Andy Stroman IRMAA: What It Is, Who Pays It, and How to Get It Lowered IRMAA is an extra amount added to your Medicare Part B and Part D premiums if your income is over certain thresholds. Social Security uses your tax return from two years ago to decide. If you’ve had a life-changing event that lowered … Read more
I’m going to show you how to get Medicare supplement (Medigap) quotes without putting your personal information in anywhere, so you won’t get a bunch of sales calls. Step 1: Go to Medicare.gov Head to medicare.gov. Click the link that says something like “Find Health and Drug Plans” or “Find Plans Now.” They change the … Read more
Approaching age 65 in Georgia? Enrolling in Medicare can seem complicated, but this clear guide is tailored specifically to Georgians, showing you exactly what to do next. Step 1: Confirm Your Eligibility Most Georgians become eligible for Medicare at age 65. If you’re already receiving Social Security or Railroad Retirement benefits, you’ll be enrolled automatically. … Read more
If you’re shopping for a Medicare Part D plan, it probably seems straightforward. You sign up for a plan that covers your prescriptions, pay a monthly premium, and head to the pharmacy when you need something. Simple enough, right? Not really. Every fall, I review countless drug plans for my clients. And every year, I … Read more
Medicare Advantage plans are heavily advertised. You’ve probably seen the TV commercials or gotten the oversized postcards in your mailbox. On the surface, they sound great: $0 premiums, extra benefits, one card for everything. But what most people don’t realize is these plans are built very differently from Original Medicare. And while the pitch is … Read more
If you’re researching Medicare options, there’s a good chance you’ve been told that a Medicare Supplement plan (also called Medigap) is the “best” you can get. I understand why. These plans are popular, especially among higher income retirees who don’t want the restrictions of Medicare Advantage. On paper, Medigap looks like the safer choice: no … Read more
Short Answer: My Top Health Insurance Picks for 2025 If you’re looking for the best ACA health insurance plans in Georgia for 2025, here are the companies I recommend: These are the carriers I trust most right now. I’ve narrowed the field based on cost, network quality, reliability, and real-world performance. But keep in mind—each … Read more
As you plan for your retirement years, one concern you probably have is how you’ll pay for long term care if you ever need it. Medicare, as great as it is, has one major drawback—it barely covers long term care. Even with the best Medicare plans, after just a few months, you’re typically on your … Read more
If you’re nearing retirement or already retired, one thing you’ve probably started to worry about is the high cost of long term care. Medicare covers many things, but one of its biggest gaps is skilled nursing and long term care coverage. Even if you have top-tier Medicare coverage, you’re on your own once Medicare’s limited … Read more
If you’re getting close to age 65 or you’re already enrolled in Medicare in Georgia, you might be worried about healthcare costs. Medicare Supplement plans are popular because they help pay for things Original Medicare doesn’t cover. But there’s a problem: figuring out exactly how much these plans cost isn’t easy. You’ve probably heard stories … Read more