Medicare Part D Drug Penalty

The late enrollment penalty is an amount that may be added to a person’s monthly Part D premium. A person enrolled in a Medicare drug plan may owe a late enrollment penalty if he or she goes without Part D or other creditable prescription drug coverage after the end of his or her Initial Enrollment Period for Part D coverage.

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Can I get a Medigap plan if I am under 65?

It is not required by federal law for insurance companies to sell Medigap policies to people under 65 years of age. Many states, however, have separate laws that require a Medigap option for Medicare-eligible individuals who are under 65. That means that under 65 individuals may or not be able to purchase a Medigap plan depending on which state you live in.

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How to avoid Medicare Excess Charges

Part B Excess charges occur when a doctor overcharges Medicare more than the Medicare-approved amount, up to a maximum of 15%. This happens when the healthcare provider does not accept Medicare assignment and decides to charge on top of that.

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Washington allows enrollees to switch Medigap plans

Most states allow seniors to switch Medigap plans at anytime of the year by answering health questions. Washington State, on the other hand, allows you to switch your Medigap to another Medigap without going through medical underwriting. This can also be done all year long and the only exception is Medigap Plan A, which does not offer this chance.

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How to switch from Medigap Plan F to Plan G

Many of our clients ask us to help them switch from Medigap Plan F to Medigap Plan G. We can do this and have done this hundreds of times. The reason is simple: Plan G is less expensive than G and there is speculation that because of the…

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