Despite their similar names, Medicare and Medicaid serve completely different groups of people and operate under vastly different rules. If you're approaching 65 or trying to help an aging parent navigate healthcare coverage, understanding these two programs can save you thousands of dollars and ensure you get the coverage you need. Here's what every American…

Many folks find themselves wondering what mental health support Medicare actually provides. The simple truth is, mental health care through Medicare has never been more comprehensive than it is in 2025. Whether you're dealing with anxiety, depression, or simply need someone to talk to during challenging times, here's what works when it comes to getting…

Managing prescription costs can feel overwhelming, but 2025 brings some exciting changes to Medicare Part D that'll put more money back in your pocket. The biggest change is a new $2,000 cap on annual out-of-pocket prescription drug expenses, which will help an estimated 3.2 million people save money on their covered medications this year. Here's…

When I turned 65 last spring, I thought I understood Medicare pretty well. After all, I'd been hearing about it for years. But when I sat down with all the paperwork and started researching my options, I realized I was more confused than informed. Part A, Part B, Part C, Part D – it felt…

When you turn 65 and become eligible for Medicare, you'll quickly discover that Original Medicare (Parts A and B) leaves some gaps in coverage. Between the 20% coinsurance, deductibles, and no out-of-pocket spending limit, those medical bills can really add up. That's where your two main options come in: Medicare Supplement Insurance (also called Medigap)…

Telehealth has transformed healthcare access for Medicare beneficiaries, making it easier to receive care from home. However, Medicare telehealth coverage involves complex rules that are changing significantly in 2025. Understanding what's covered and how to access services helps you make informed healthcare decisions. Current Coverage Through September 2025 Expanded Home Access: Through September 30, 2025,…

Medicare decisions can feel overwhelming, but you don't have to figure them out alone. Every state offers free, unbiased help through State Health Insurance Assistance Programs, known as SHIP. These programs connect you with trained volunteers who understand Medicare inside and out, and they're not trying to sell you anything. What SHIP Counselors Actually Do…

Medicare covers far more than most people realize. Many of us discover that we've been missing out on valuable benefits simply because we didn't know they existed. The reassuring news is that these overlooked services can improve your health while saving money, and most require nothing more than asking your doctor about them. Preventive Services…