Medicare premiums can add up quickly, especially if you’re enrolled in multiple plans. The good news? There are smart ways to lower your costs. Below are five practical tips to help you save on Medicare premiums, and with the help of Medicare Info, you can connect with a licensed insurance professional who can guide you through your options and make the Medicare buying process easier.

1. Request a premium review from Social Security.
If you’ve experienced a life-changing event such as retirement, reduced work hours, or the loss of a spouse and your income is now lower than it was in the past two years, you may qualify for a reduced Medicare premium. It never hurts to ask for a re-evaluation.

2. Consider a Medicare Advantage plan.
If you’re enrolled in Medicare Part B, switching to a Medicare Advantage plan may help lower your overall costs. Some Advantage plans even include a built-in premium reduction, which can add up to meaningful savings over time.

3. See if you qualify for a low-income subsidy.
Low-income subsidies can significantly reduce Part D premiums and out-of-pocket prescription drug costs. If you have Medicaid, you automatically qualify, but even without Medicaid, you may still be eligible based on your income level.

4. Deduct eligible medical expenses on your taxes.
Certain medical expenses may be tax-deductible if they exceed 10% of your adjusted gross income. Keep in mind that you’ll need enough deductions to itemize rather than take the standard deduction, but this strategy can help offset healthcare costs.

5. Use your Health Savings Account (HSA).
HSA funds can be used tax-free to pay for Medicare Part D and Medicare Advantage premiums. While HSAs can’t be used for Medigap premiums, they’re still a powerful tool for covering many qualified medical expenses.

Still not sure which Medicare plan is right for you? Connect with a licensed insurance professional from Medicare Info and get personalized help finding coverage that fits your needs and your budget.

Did you know that many people don’t have a clear understanding of how Medicare works? At Medicare Info, we believe that having accurate information is the first step toward choosing the right coverage. Let’s clear up some of the most common myths about Medicare.

Myth #1: Medicare Part B Is Free

A common misconception is that Medicare Part B comes at no cost. In reality, Part B requires a monthly premium and also includes a deductible, copayments, and coinsurance just like other parts of Medicare.

Myth #2: You Can Enroll in Medicare Anytime

Medicare enrollment is limited to specific time periods. While there are certain qualifying situations that allow for Special Enrollment Periods, most people must enroll during designated enrollment windows. Open Enrollment is a great time to review your options and sign up if you’re eligible.

Myth #3: Medicare Costs the Same for Everyone

Medicare costs can vary from person to person. Premiums, out-of-pocket expenses, and coverage differ depending on the Medicare plan you choose and the healthcare services you use.

Myth #4: Medicare Covers Everything

Unfortunately, Medicare does not cover all healthcare needs. Medicare Part A primarily covers hospital stays and inpatient care, while Part B covers doctor visits and outpatient services. Prescription drugs, dental, vision, hearing care, and fitness programs are typically not covered under Original Medicare.

Myth #5: Medicare and Medicaid Are the Same

While both are government-sponsored programs, Medicare and Medicaid serve different populations. Medicare is primarily for individuals age 65 and older or those with certain disabilities, while Medicaid assists people with limited income and resources. Medicare is federally administered, whereas Medicaid programs are run by individual states. Some individuals qualify for both programs, and this is known as being dual eligible.

Ready to Learn More?

Choosing the right Medicare plan doesn’t have to be confusing. Now is the perfect time to connect with an insurance professional at Medicare Info. We make it easy by connecting you with a licensed insurance agent who can help you find the plan that best fits your needs.

Contact us today to get started!

Did you know that many people don’t fully understand how Medicare works? With so many parts, rules, and enrollment periods, it’s easy for misinformation to spread. At Medicare Info, we’re here to clear up some of the most common Medicare myths so you can make confident, informed decisions about your healthcare coverage.

Myth #1: Medicare Part B Is Free

One of the most common misconceptions is that Medicare Part B comes at no cost. Unfortunately, that’s not true. Like Medicare Parts A and C, Part B includes monthly premiums, deductibles, copays, and coinsurance. Understanding these costs ahead of time can help you avoid surprises.

Myth #2: You Can Enroll in Medicare Anytime

Medicare enrollment isn’t open year-round. While there are certain situations that allow for Special Enrollment Periods, most people must enroll during designated windows. With Open Enrollment, it’s a great time to review your options and sign up or make changes.

Myth #3: Medicare Costs the Same for Everyone

Medicare costs can vary depending on the coverage you choose. Different plans cover different services, which means out-of-pocket costs may differ from one person to another. Your healthcare needs and plan selection play a big role in what you’ll pay.

Myth #4: Medicare Covers Everything

It would be nice if Medicare covered all healthcare expenses, but that’s not the case.

• Medicare Part A covers hospital stays and inpatient services.
• Medicare Part B covers doctor visits and outpatient care.

Services like prescription drugs, dental, vision, hearing care, and fitness programs typically aren’t covered unless you enroll in additional coverage, such as a Medicare Advantage or Part D plan.

Myth #5: Medicare and Medicaid Are the Same

While both are government-sponsored programs, Medicare and Medicaid serve different purposes. Medicare primarily covers seniors and individuals with certain disabilities, while Medicaid helps people with limited income and resources. Another key difference is how they’re administered: Medicare is federally run, while Medicaid programs are managed by individual states. Some people qualify for both programs, and this is known as being dual eligible.

Want to learn more or find the Medicare plan that’s right for you?
Now is the perfect time to connect with a licensed insurance professional at Medicare Info. We make it easy to understand your options and find coverage that fits your needs. Contact us today to get started!

Ever wonder which Medicare plan is the right fit for you? Choosing coverage can feel overwhelming, especially with all the options and terminology involved. At Medicare Info, we’ve broken the process down into four key tips to help you feel confident as you compare plans and make the choice that works best for your health and your wallet.

Tip 1: Don’t Focus Only on the Premium

It’s common for people to zero in on a plan’s monthly premium, but that number only tells part of the story. A plan with a low premium may come with higher out-of-pocket costs throughout the year, while a slightly higher premium might offer lower copays, deductibles, or coinsurance.

When comparing plans, be sure to look at the total cost of care, including:

• Monthly premium
• Annual deductible
• Doctor and specialist copays
• Hospital coinsurance
• Prescription costs

Evaluating the big picture can save you money in the long run and help you avoid surprises once you begin using your coverage.

Tip 2: Review the Drug Formulary Carefully

Prescription drug coverage can differ dramatically from one plan to another. Each Medicare plan maintains its own formulary, or a list of the medications it covers. These lists aren’t permanent; they can change every year, sometimes even mid-year.

Before enrolling, take a moment to:

• Confirm that your prescriptions are included
• Check which tier your drugs fall under (tiers affect cost)
• Look for any restrictions like prior authorization or step therapy

A little research upfront ensures that you won’t pay more than expected for the medications you rely on.

Tip 3: Consider Which Benefits Matter Most to You

Original Medicare (Parts A and B) provides essential coverage for hospital and medical services, but it doesn’t include benefits like:

• Prescription drug coverage
• Dental
• Vision
• Hearing
• Wellness extras like gym memberships

If those services are important to you, you may want to explore Medicare Advantage plans or stand-alone Part D and supplemental options. Choosing a plan that aligns with your personal health needs and lifestyle can make a big difference in both cost and convenience.

Tip 4: Take Your Time—There’s a Lot to Consider

There’s no one-size-fits-all Medicare plan. Your health needs, budget, prescriptions, and preferred doctors all play a part in determining the right option.

Take the time to:

• Compare plans side by side
• Make a list of “must-have” benefits
• Think about any upcoming medical needs
• Ask questions if something isn’t clear

A thoughtful approach will help you feel confident that you’re selecting the plan that fits you best—not just for today, but for the year ahead.

Tip 4: Take Your Time — There’s a Lot to Consider

There’s no one-size-fits-all Medicare plan. Your health needs, budget, prescriptions, and preferred doctors all play a part in determining the right option.

Take the time to:

• Compare plans side by side
• Make a list of “must-have” benefits
• Think about any upcoming medical needs
• Ask questions if something isn’t clear

A thoughtful approach will help you feel confident that you’re selecting the plan that fits you best, not just for today, but for the year ahead.

Let Medicare Info Help You Choose With Confidence

You don’t have to sort through Medicare on your own. Medicare Info makes the process simple by connecting you with a licensed insurance agent who can walk you through your options, answer your questions, and help you enroll in a plan that truly meets your needs.

Reach out today and get the Medicare coverage you deserve designed for your health, your budget, and your peace of mind.

Did you know that many people misunderstand how Medicare actually works? At Medicare Info, we’re here to set the record straight by breaking down some of the most common Medicare myths, and giving you the facts you need to make confident healthcare decisions.

Myth #1: Medicare Part B is Free

Fact: While many assume Medicare Part B comes at no cost, that’s not the case. Like other parts of Medicare (A and C), Part B includes a monthly premium, as well as potential deductibles, copays, and coinsurance. It’s important to understand these costs so you can plan your healthcare budget accordingly.

Myth #2: You Can Enroll in Medicare Anytime

Fact: Unfortunately, enrollment isn’t open year-round. Unless you qualify for a Special Enrollment Period, you can only sign up during designated enrollment windows. The good news? Open Enrollment is happening now, making it the perfect time to review your options and ensure you’re covered.

Myth #3: Medicare Costs the Same for Everyone

Fact: Medicare costs can vary based on your income, coverage choices, and the specific plan you select. Premiums, deductibles, and copays may differ, so it’s essential to compare your options carefully to find a plan that fits both your healthcare needs and your budget.

Myth #4: Medicare Covers Everything

Fact: We wish this one were true! Original Medicare covers a lot—but not everything.

• Part A helps with hospital stays and inpatient services.
• Part B covers outpatient care, doctor visits, and some preventive services.
  However, Medicare doesn’t cover most prescription drugs, dental, vision, hearing, or fitness services. You may need to explore additional coverage, like Part D or Medicare Advantage (Part C), to fill those gaps.

Myth #5: Medicare and Medicaid Are the Same

Fact: While both are government programs, they serve different populations.

• Medicare primarily covers people age 65+ or those with qualifying disabilities.
• Medicaid helps individuals and families with limited income and resources.
  Some people qualify for both, known as “dual eligibility”, and can receive benefits from both programs simultaneously.

Get Expert Help Choosing the Right Medicare Plan

Understanding Medicare can be tricky, but you don’t have to figure it out alone. Medicare Info connects you with licensed insurance professionals who can help you explore your options, compare plans, and make sure you get the coverage that’s right for you.

Ready to get started? Fill out our form and get connected to a licensed insurance agent today and take the guesswork out of Medicare.

Navigating Medicare can feel overwhelming, especially with so many options and coverage levels to consider. You might be wondering: Where do I even start? The best place is with your personal health needs and goals—because the right Medicare plan should support your lifestyle, not complicate it.

Whether you’re approaching eligibility for the first time or considering a switch during Open Enrollment, here’s what to keep in mind to make the best choice for your situation:

1. Evaluate Your Personal Health Needs

Think about how often you visit the doctor, whether you have any ongoing conditions, and what your health goals are. Do you want access to specialists? Are you managing a chronic illness? Your answers will help determine which type of plan fits you best—Original Medicare, Medicare Advantage, or a Medicare Supplement plan.

2. Look for Extra Benefits That Matter to You

Original Medicare (Parts A and B) offers essential coverage for hospital and outpatient care—but it doesn’t include things like vision, dental, or hearing. If those services are important to you:

• Medicare Advantage (Part C) plans often include those extra benefits.
• Medicare Supplement (Medigap) plans may help fill in gaps not covered by Original Medicare, including international travel and out-of-pocket expenses.

Since Advantage plans are offered by private insurers, costs and coverage can vary, so it’s worth comparing carefully.

3. Make Sure You Can See the Doctors You Trust

Is staying with your current doctor a must? If so, you’ll want to pay close attention to provider networks:

• Many Medicare Advantage plans require you to choose doctors and specialists within their network.
• With Original Medicare, you can typically see any provider that accepts Medicare.

If flexibility is a priority for you, this could be a major deciding factor.

4. Consider Prescription Drug Coverage (Even If You’re Healthy Now)

It’s easy to think you don’t need prescription drug coverage if you’re not taking any medications—but that can change quickly. Medicare Part D (standalone) or Medicare Advantage plans with drug coverage can help you avoid high out-of-pocket costs in the event you need medications unexpectedly.

Skipping drug coverage now could lead to late enrollment penalties later—so it’s smart to plan ahead.

5. Do You Travel Frequently or Live Part of the Year Elsewhere?

Original Medicare offers limited international coverage, and most Medicare Advantage plans may only cover care within your plan’s service area. If you travel abroad or spend months in another state:

• Look into Medicare Supplement plans that offer foreign emergency coverage.
• Always check with your plan representative to confirm what’s covered before you travel.

Final Thoughts: The Right Plan Should Support the Life You Want

Choosing a Medicare plan isn’t just about checking boxes—it’s about making sure your healthcare coverage fits your lifestyle and long-term needs.

That’s where Medicare Info can help. Our platform offers easy-to-understand information and connects you with licensed insurance insurance professionals who can walk you through your options.

Ready to Find the Right Medicare Plan for You?

Whether you’re new to Medicare or thinking about switching plans, now’s a great time to speak with a licensed agent from Medicare Info. They’ll help you compare plans, understand your benefits, and make the best choice for your health and budget.

Contact a Medicare professional today and get personalized help—at no cost to you!

If you’re exploring Medicare Advantage plans with dental benefits, it’s important to understand what’s covered—and what’s not—before you book that next cleaning.

Most Medicare Advantage plans that include dental coverage offer full benefits for preventive care, including:

• Routine cleanings
• Oral exams
• X-rays

These services are often covered at 100%, especially if you visit a provider within your plan’s network. While some PPO and HMO plans allow you to see any licensed dentist, you’ll typically pay less out-of-pocket by choosing an in-network provider.

What About More Extensive Dental Work?

Coverage for restorative procedures—like fillings, extractions, or crowns—varies significantly by plan. Some may cover a portion of the cost, while others might require higher copays or coinsurance. Always review your plan’s summary of benefits to know exactly what to expect.

Coverage Limits You Should Know

Keep in mind, dental coverage through Medicare Advantage may come with:

• Annual limits on preventive services
• Caps on coverage for major procedures
• Benefit maximums (i.e., the total your plan will pay for dental care each year)

These maximums can range widely, from as little as $10 to as much as $6,000, depending on the plan. It’s crucial to check with your provider so you’re not caught off guard.

Need Help Choosing the Right Dental Plan?

You don’t have to navigate this alone. Medicare Info connects you with licensed Medicare specialists who can walk you through your options and help you find coverage that fits your needs and budget.

Get started today and take the guesswork out of dental coverage.