Medicare Experts

08/31/2026

Paying more for Medicare because of your income? Here's something a lot of people never hear: you can ask them to look again.

That surcharge is based on a tax return from TWO years ago — maybe a year you were still working. If your income has dropped since (retirement, loss of a spouse, divorce), Social Security has a form to request a fresh look. It doesn't always work. It costs nothing to try. Think it applies to you? We'll point you to the form.

Learn more at https://yourmedicareexperts.com

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Not affiliated with or endorsed by the government or the federal Medicare program. We are licensed insurance brokers. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your

08/27/2026

Snowbirds: does your Medicare travel as far as you do?

Original Medicare works with any provider nationwide that takes Medicare — and a Supplement rides along with it. Most Advantage plans are built around a local network, so care away from home is often limited to emergencies and urgent care. Neither is wrong — it depends how much of the year you're somewhere else. Split your time between two states? Let's look at how your coverage handles it.

Learn more at https://yourmedicareexperts.com

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Not affiliated with or endorsed by the government or the federal Medicare program. We are licensed insurance brokers. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your

08/26/2026

Walkers. Wheelchairs. CPAP machines. Oxygen. Did you know Medicare helps pay for equipment you use at home?

It's called durable medical equipment. Two things to know: your doctor generally has to order it, and the supplier must be enrolled with Medicare — otherwise the whole bill can land on you. Thinking about buying something? Ask us first.

Learn more at https://yourmedicareexperts.com

08/24/2026

One 10-second question can save you a surprise bill: "Do you accept Medicare assignment?"

Yes = they take Medicare's approved amount as full payment, and your share stays predictable. No = they can bill above it, and the difference is yours. Most providers accept it — but ask before the appointment, not after. Want help checking a practice? Send us the name.

Learn more at https://yourmedicareexperts.com

08/20/2026

Quick question: what's the most you could pay out of pocket this year?

If you're on Original Medicare alone, there's no yearly cap — most people don't find out until a hard year. It's why Supplements exist, and why Advantage plans come with a yearly maximum. Whichever way you go, know where your ceiling is. Want help finding yours?

Learn more at https://yourmedicareexperts.com

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Not affiliated with or endorsed by the government or the federal Medicare program. We are licensed insurance brokers. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

08/19/2026

Does Medicare cover C*D or cannabis? We get this question a lot — and the answer surprises most people.

The short version: there's one FDA-approved exception, and one classification rule that blocks everything else. The plain-English breakdown is on the blog:

As C*D and cannabis products become more popular, find out where Medicare stands on coverage, why it won't pay for it right now, and what might change in the future.

08/17/2026

Turning 65 but still working? Don't sign up for anything yet — read this first.

If your employer has 20 or more employees and you're on their health plan, you can usually delay Part B without a late penalty — and when the job coverage ends, a special window opens for you. Under 20 employees? The rules flip, and Medicare often needs to come first. Don't guess based on what a coworker did. Ask us — it's a two-minute answer.

Learn more at https://yourmedicareexperts.com

08/13/2026

Do you know which one you're actually signed up for — Medicare, Social Security, or both?

They're two different programs, but they talk to each other. Drawing Social Security at 65? You're usually enrolled in Parts A and B automatically. Not drawing yet? You likely have to sign yourself up. And your Part B premium usually comes right out of your Social Security payment. Not sure where you stand? Ask — it's a quick answer.

Learn more at https://yourmedicareexperts.com

08/12/2026

Did you know you can spend two nights in a hospital bed without ever being "admitted"?

It's called observation status — on paper you're an outpatient, and that one word changes what Medicare pays and what you owe. It can even affect whether rehab afterward is covered. If you're ever in that bed, ask out loud: "Am I admitted, or under observation?" And write down the answer.

Learn more at https://yourmedicareexperts.com

08/10/2026

Quick question: who pays for the nursing home?

Most people answer "Medicare." Most people are surprised. Medicare can help with short-term SKILLED care after a hospital stay — nursing, therapy, for a limited number of days. What it generally does not pay for is long-term custodial care — the ongoing help with bathing, dressing, and daily living that most nursing home stays actually are. That gap catches families at the worst possible moment, and the time to understand it is before you need it. Not sure where you stand? Ask us — we'll walk through it plainly.

Learn more at https://yourmedicareexperts.com