IRMAA stands for Income Related Monthly Adjustment Amount and is applied to higher income earners who’s AGI is over $85,000, or over (for a single person or married couples filing separately), and $170,000 for married couples who file taxes jointly. If you or your family meet these guidelines your Medicare Part B and Part D will be adjusted accordingly on a sliding scale. One thing to consider is that you have the right to request a reduction of IRMAA if you no longer mee

Something to be aware of is that not all insurances are created equal. Although Medigap insurance provides the flexibility you may need in order to see a wide array of doctors, there may be limits to what’s covered on your supplemental Medigap plan. The main thing to remember with Medigap insurance is that all claims must be considered “medically necessary” AND must meet the guidelines for Medicare coverage. In other words, if Medicare covers your claim then your Medigap

I recently had a customer call me to ask why Medicare covered her yearly wellness visit but denied the lipid panel that she got after the appointment. Of course she was not happy about this. I don’t want any of you to experience a bill that you did not expect to see because you didn’t understand the rules of Medicare. Here is a link to help you understand just what Medicare does and does not cover when it comes to your Wellness Exam. https://blog.medicaremadeclear.com/physica