RZM Insurance Advisory

10/15/2026

The Medicare Annual Enrollment Period (AEP) begins today October 15 and ends on December 7th. If you are enrolled in a Medicare Advantage plan, this is your opportunity to make a change. If you are enrolled in a prescription drug plan (PDP), this is also your opportunity to make a change. There's volatility in the Medicare market so it's important to:

1) Check your medications to ensure they are still on your carrier's formulary. If not, you may want to consider other plans.

2) If your Medicare Advantage plan is being terminated by your carrier in your county (there are some in PA-Washington County), you qualify for a Special Enrollment Period (SEP) allowing you to make changes to another plan: Medicare Advantage or Medicare Supplement.

10/08/2026

Today those enrolled in Original Medicare should have received a one-time $90 government authorized payment to offset Medicare premium costs.

09/30/2026

Your AEP Game Plan!
October 15 - December 7

Do you know what the Annual Enrollment Period is for?

During this window, if you're already inn Medicare, you can:

Change your Medicare Part D prescription drug plan

Change your Medicare Advantage plan

Drop your Medicare Advantage plan and return to Original medicare with a Medigap plan

09/28/2026

If you are covered under Original Medicare:

As you’re reviewing your Medicare coverage and options for 2027, you may want to ask your primary care office if they offer Advanced Primary Care Management (APCM) services.
APCM services under Original Medicare are similar to some of the care coordination features offered under Medicare Advantage plans.

05/03/2026

The Centers for Medicare and Medicaid Services (CMS) unintentionally published Social Security data for at least 100 health providers, according to multiple outlets.  The department took down …

08/04/2025

Dr. Anna Toker.

05/14/2025

On May 12, 2025 President Trump signed an executive order setting a 30-day deadline for drugmakers to lower prescription drug costs.

Link to summary:

By the authority vested in me as President by the Constitution and the laws of the United States of America, it is hereby ordered: Section 1. Purpose.

01/25/2025

January is the month that folks are usually hit hard with new prescription drug deductibles; particularly if you have a chronic condition and are taking expensive medications.

If you are on a Medicare Part D Prescription Drug Plan or covered under a Medicare Advantage Plan with Part D benefits, you may want to consider signing up for the new payment program signed into law effective January 1, 2025.

Check out the Medicare.gov website for details. You'll need to contact your Medicare Advantage or Part D insurance company. They can enroll you by phone and set up monthly "installments" by spreading out the cost of your medications over 12 months. They then bill you versus paying for your prescription at the drug store. Your insurer will provide more details.

01/06/2025

Happy New Year!

Did you know that Medicare coverage for telehealth services have changed effective January 1, 2025? They have... Prior to January 1st, you could get telehealth services at any location in the U.S. including your home. Starting January 1, 2025, you must be in an office or medical facility located in a rural area (in the U.S.) for most telehealth services. But you can still get certain Medicare telehealth services without being in a rural health care setting, including:

Monthly end stage renal disease (ESRD) visits for dialysis

Services for diagnosis, evaluation, or treatment of symptoms of an acute stroke wherever you are, including a mobile stroke unit

Services for the diagnosis, evaluation, or treatment of a mental and/or behavioral health disorder (including substance use disorder) in your home.

Be sure to check your specific coverage as some Medicare Advantage plans and certain providers in Original Medicare may offer "more" telehealth benefits than the basic coverage in Original Medicare.

Call now to connect with business.

11/13/2024

Excellent read regarding Medicare Advantage plans and why they’re not for everyone. My recommendation is to make sure you’re working with someone who’ll treat your needs as the number 1 priority.

Medicare Advantage patients in the last year of life were far more likely to switch to traditional Medicare, shifting costs from insurers.