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10/02/2026

Hundreds of Thousands of Medicare Members Face Major Insurance Change
If you or someone you know is currently enrolled in a Humana Medicare Advantage plan, it’s important to be aware that Humana is discontinuing certain plans, impacting 600,000 members nationwide. For those affected, Open Enrollment from October 15 to December 7 is the window to explore new coverage options or return to original Medicare. As someone who focuses on helping neighbors in Milford find Medicare plans that truly fit their needs, I know how overwhelming these sudden changes can feel. If you have questions about which path makes the most sense for your coverage, now is the time to review your choices and ensure your healthcare needs are confidently met.

https://www.vusocial.com/agent-news/keith-mcliverty/1996768-Hundreds-of-Thousands-of-Medicare-Members-Face-Major-Insuran

10/01/2026

How Medicare Careers Evolve Over Time
Over the years, I've seen first-hand how a Medicare career evolves—from those early days immersed in the details of Parts A through D and supplemental options, to more advanced roles that focus on compliance, policy, or business development. Staying current, adapting to new digital tools, and committing to continuous learning are all essential in this field. With our aging population, the stability of this profession remains strong. As someone dedicated to guiding Milford-area residents through their Medicare choices, I know how important it is to keep growing alongside this ever-changing landscape.

https://www.vusocial.com/agent-news/keith-mcliverty/1376306-How-Medicare-Careers-Evolve-Over-Time

09/30/2026

USA Medicare Advantage Plan Switching
As someone who guides Milford-area residents through their Medicare choices every day, I pay close attention to how plan switching trends affect those I serve. Between 2016 and 2022, voluntary plan switching within Medicare Advantage increased notably, especially for dual-eligible enrollees—fully dual-eligible individuals saw their switching rates rise from around 12% to 22%, and partial dual-eligible from 17% to 30%. For other Medicare Advantage beneficiaries, the rate moved from about 10% to 13%. What's interesting is that by 2022, shifting from Medicare Advantage back to traditional Medicare remained uncommon (about 4% for fully dual-eligible, 2% for partial dual-eligible, and under 1% for everyone else). Switching patterns also reflected differences in age, risk, and race or ethnicity: older adults typically switched less, while those at higher health risk were more likely to return to traditional Medicare. All of this underscores how changing plans often means reevaluating provider networks and plan features—a key part of the support I provide for clients looking for the right fit.

09/29/2026

Why Medicare Is Not a Quick-Learning Line
When it comes to Medicare, there’s no shortcut to mastery. With complex regulations, evolving plans, and frequent updates at both state and federal levels, it’s essential to stay well-versed in the details. As a local Medicare insurance broker here in Milford, I focus on guiding clients through these intricacies—making sure you not only understand your options, but also feel confident in your choices. Clear communication and ongoing training are key, and I believe that’s what sets apart a truly supportive Medicare advisor.

09/28/2026

US Retirement Withdrawals Shape Future Taxes
When I work with clients navigating retirement, I often see how early decisions on withdrawals can shape your future tax landscape—and even affect your Medicare premiums. Take, for example, two retirees each with a $2.1M portfolio. Their annual income might look similar, around $117,400, but how their assets are allocated between taxable accounts and traditional IRAs can mean very different tax bills down the road. For joint filers in 2026, keeping your MAGI at or below $218,000 means standard Medicare premiums. But even a single dollar above that can trigger higher Part B costs—nearly $284 more—and additional Part D surcharges. Choosing to withdraw from taxable accounts first might allow IRA balances to grow, but that can lead to larger required minimum distributions (RMDs) later on. On the other hand, carefully planned IRA withdrawals or conversions before RMD age could help reduce this future pressure. As year-end approaches, it’s smart to model your RMD path, ensure conversions don’t push you over an IRMAA threshold, and regularly review your IRA for risks like floating-rate, leverage, or concentration. These strategies are central to how I help Milford-area residents find Medicare plans that fit their entire retirement picture.

09/26/2026

Why Medicare Rewards Knowledge and Patience
Navigating Medicare isn’t just about checking boxes—it’s about truly understanding the ins and outs, staying current with evolving policies, and guiding clients through every detail. In my work here in Milford, I’ve seen how patience and up-to-date knowledge are key to comparing plans thoroughly and ensuring compliance with every rule and deadline. For those looking to make the most informed Medicare choices, it’s this dedicated approach that leads to better results and peace of mind.

https://www.vusocial.com/agent-news/keith-mcliverty/1402940-Why-Medicare-Rewards-Knowledge-and-Patience

09/25/2026

Why Medicare Is a High-Responsibility Insurance Line
Working as a Medicare insurance broker in Milford, I see firsthand how much responsibility comes with guiding clients through this critical coverage. Navigating Medicare isn’t just about knowing the plans—it’s about upholding strict federal guidelines, providing straightforward guidance, and always putting professionalism and ethics at the center. Staying current with policy changes is part of what I do, so clients can count on clear, reliable advice as they choose the plan that fits them best.

https://www.vusocial.com/agent-news/keith-mcliverty/1376302-Why-Medicare-Is-a-High-Responsibility-Insurance-Line

09/24/2026

Why Medicare Is a People-First Insurance Field
One of the reasons I’m passionate about working in Medicare insurance is that it truly puts people first. Medicare is designed to provide comprehensive support for older adults and those with disabilities—covering hospital care, outpatient services, and prescription needs. In my role as a local broker here in Milford, I prioritize ethical guidance and client advocacy, making sure my clients not only understand their options, but also feel empowered to make decisions that best support their health and independence.

https://www.vusocial.com/agent-news/keith-mcliverty/1402942-Why-Medicare-Is-a-People-First-Insurance-Field

09/23/2026

Medicare Advantage Plan Switching Is Rising
Lately, I’ve noticed a real uptick in Medicare Advantage plan switching, especially among those with dual eligibility. From 2016 to 2022, the voluntary switch rates within Medicare Advantage jumped from about 12% to 22% for fully dual-eligible clients and from around 17% to 30% for those partially dual-eligible. For other beneficiaries, the increase was steadier—from 10% to 13%. Even with these rises, switching from Medicare Advantage back to traditional Medicare remained rare by 2022: about 4% for fully dual-eligible, 2% for partial, and less than 1% for other groups. Age, risk level, and race or ethnicity played a part—older beneficiaries tended to switch less, while those with higher health risks were more likely to choose traditional Medicare. This all means more people are navigating new plan features and provider networks. In my work here in Milford, I see how choosing the right Medicare plan is deeply personal, and these trends highlight just how important it is to match your coverage to your evolving needs.

09/22/2026

Medicare Update: How Advantage Plans Impact Health Outcomes—New Study
A recent study found that Medicare Advantage plans, even with their extra benefits, don't lead to better health outcomes for seniors with Type 2 diabetes compared to traditional Medicare. In fact, nearly 45% saw no improvement, and many folks aren't able to use those supplemental benefits because of access challenges. As someone who guides Milford-area clients through their Medicare options, I know how important it is to look beyond just the advertised perks and consider how a plan truly fits your needs.

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479 New Haven Avenue
Milford, CT
06460

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