Caress Insurance Agency, LLC

06/03/2026

The Income Related Monthly Adjustment Amount (IRMAA) is an additional monthly charge that people with certain high-income levels must pay on top of their Medicare Part B and D premiums.

06/02/2026

Let us educate you on your options: Independent agents can also provide personalized guidance by explaining complex insurance options in simple terms and helping you avoid gaps in coverage.

06/01/2026

Medicare Supplements only pay after Medicare pays its share first. If Medicare approves a claim and pays the part that Medicare owes, it will forward the remainder of the bill to your Medicare Supplement.

05/29/2026

Medicare Part B premiums are set each year by the federal government and most people pay the same standard rate. Some high earners (fewer than 5%) pay an income-related adjustment in addition to the standard Part B premium.

05/28/2026

Your Initial Enrollment Period is a seven-month window when you can first become eligible for Medicare. It includes the three months before your 65th birthday, the month of your birthday, and the three months after. This is your first chance to enroll in Medicare Part A and Part B (unless you qualify for Medicare under 65).

05/27/2026

Reminder To Be Careful: Scammers use several different tactics to try and scam Medicare beneficiaries and make attempts by phone or email.

05/26/2026

05/25/2026

To cover all your bases, if a doctor or specialist says they accept Medicare, go a step further and confirm whether or not they accept Medicare Assignment. This confirmation can provide you with some peace of mind and ensure there will be no hiccups when needing services or treatments in the future.

05/22/2026

Wellness 101: Small lifestyle changes, such as daily walks and healthier food choices, can have a meaningful impact on your long-term health and quality of life.

05/21/2026

Medicare can feel overwhelming at first, but once you understand the different parts, the process becomes much easier to navigate.