Question: The holidays are here and I can’t imagine what to get my parents. They are starting to downsize and keep saying they don’t want anything. I don’t know what they need. What ideas do you have? Answer: Christmas time and the holiday season can be stressful. We want to be sure we ...

Question: I did not switch my insurance by the December 7 deadline and that may have been a mistake. What chance for change do I have? Answer: The Annual Open Enrollment has ended. There are 20 Special Enrollment Periods (SEP) that are available to individuals that meet those different SEP ...

Question: I researched my options for insurance for 2026 and have enrolled. What do I do about my own plan? Answer: It depends. That is almost always my answer. But I also want to remind everyone; That there are many of you who have extra time this year to change your coverage, because ...

Question: When do we find out what the 2026 Medicare rates will be? Answer: It is that time of year when lots of new information is announced. I am very pleased to say that we finally have the answers to these questions. It is useful to know what your premiums and other cost shares for ...

Question: I just got a letter from my Medicare Supplement plan and the letter says the monthly premium rates are going up? Should I change my insurance? Answer: I have heard this question a lot this week. Almost all the Medigap plans raised their rates for the coming 2026 calendar year. So ...

Question: This is the second year in a row that my insurance plan has been discontinued. Now I have to find new insurance again! Is this going to happen every year? I am really frustrated. Answer: Medicare Insurance options have had a rough couple of years. The industry calls that ...