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October 5, 2026
Stop contributing to your Health Savings Account (HSA) at least six months before you enroll in any part of Medicare — or, more practically, six months before you apply for Social Security or Railroad Retirement Board benefits or expect your…
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October 5, 2026
Yes — in many situations you can get Medigap after cancer, and in the most important ones federal law forbids insurers from even asking about your medical history. The key is timing: if you apply during your one-time Medigap Open…
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October 5, 2026
If you are retiring from the federal government, the short answer is this: in most cases you do not need to drop FEHB to buy a Medigap policy, and canceling FEHB as an annuitant is permanent — you cannot reenroll.…
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October 5, 2026
Yes — if your modified adjusted gross income is above a set threshold, Medicare adds an income-related monthly adjustment amount (IRMAA) to your Part B and Part D premiums. For 2026, that threshold starts at $109,000 for individuals filing single…
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October 5, 2026
For most TRICARE-eligible beneficiaries who have Medicare Part A and Part B, you do not need a Medicare Advantage plan to be well covered. TRICARE For Life (TFL) is wraparound coverage that pays after Medicare for services both programs cover,…
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October 5, 2026
Short answer: yes, every Medicare Advantage plan must cover emergency and urgently needed care anywhere in the United States, but routine care away from home depends entirely on your plan type and rules. An HMO member traveling routinely may pay…
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October 5, 2026
Medicare SELECT is a type of Medicare Supplement Insurance (Medigap) that may charge you a lower premium in exchange for a restriction: you generally must use hospitals in the policy’s network — and in some cases network doctors — for…
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October 5, 2026
For most Medicare-eligible military retirees, the answer is no: TRICARE For Life (TFL) is itself Medicare-wraparound coverage, and when a service is covered by both Medicare and TRICARE you generally owe nothing out of pocket. A Medigap (Medicare Supplement) policy…
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October 5, 2026
If your income and savings are limited, you may qualify for help paying Medicare costs through two federal programs: Medicare Savings Programs (MSPs), run by your state, which can pay your Part A and Part B premiums and sometimes other…
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October 5, 2026
For most people covered by CHAMPVA, another policy is not automatically worth it once Medicare is in the picture: if you are Medicare-eligible, you must have Medicare Part A and Part B to keep CHAMPVA, and CHAMPVA then pays second,…
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