Friday, 5 December, 2025
Open enrollment (Oct 15–Dec 7) is when most retirees can change coverage for the year ahead: move between Original Medicare and Medicare Advantage, add or swap a Part D drug plan, or—if eligible—buy a Medigap supplement. There’s also a Medicare Advantage Open Enrollment (Jan 1–Mar 31) for people already in […]
Every year from October 15 through December 7, people already enrolled in Medicare can review, change, or renew their coverage for the upcoming year. The choices you make during this window will take effect on January 1, 2026. This is the only time of year most beneficiaries can make changes […]
Based on readers’ interest, huutri.org has decided to provide a detailed cost breakdown to help retirees clearly understand the potential financial differences between Medicare Advantage and Original Medicare with Medigap. By comparing a typical “normal year” and a “high-cost year,” this breakdown aims to guide retirees in choosing the plan […]
Choosing the right Medicare coverage is one of the most important decisions retirees will make. Should you stick with Original Medicare (Parts A & B) and add a Medigap policy, or join Medicare Part C (Medicare Advantage)? For some, Medicare Advantage offers cost savings and convenience. For others — especially […]
As we step into retirement, health becomes a top priority. Medicare provides a solid foundation, but it doesn’t cover everything. Deductibles, copayments, and coinsurance can quickly add up — especially if you need hospitalization or long-term treatment. This is where Medigap — also called Medicare Supplement Insurance — comes in. […]
Smart Tips to Prepare for Unexpected Medical Costs After Age 62: Many people assume that once they turn 65 and enroll in traditional Medicare, most of their healthcare costs will be fully covered. The truth is: Medicare covers a lot—but not everything. Retirees are still responsible for premiums, deductibles, copayments, […]
Medicare Part B Premium and Deductible Increases Standard Monthly Premium Increase: For 2025, Centers for Medicare & Medicaid Services (CMS) projections suggest that the standard monthly premium for Medicare Part B will rise by roughly $15 per month – moving from about $174.70 in 2024 to around $190.50. (Keep in […]
Retirees often make mistakes when first qualifying for Medicare because of confusion and lack of understanding about the enrollment process, coverage options, and timelines. Below are detailed reasons for common mistakes and suggestions for avoiding them: 1. Not Signing Up During the Initial Enrollment Period (IEP) Why It Happens: Many […]
In 2025, several important changes to Medicare will take effect, significantly affecting retirees. These changes include modifications to Medicare Part D, the introduction of out-of-pocket spending caps, new rules regarding weight loss drugs, updates to Medicare Advantage, and new benefits for family caregiver services and mental health providers. Here’s a […]
Medigap is a supplemental insurance policy that helps cover some of the healthcare costs not covered by Medicare, such as deductibles, copayments, and coinsurance. These policies are sold by private insurance companies and are meant to complement your Medicare Part A (hospital insurance) and Part B (medical insurance). Here’s a […]