Gruening Health & Wealth

06/02/2026

Many people are unsure what preventive services Medicare covers.

Medicare Part B includes coverage for many wellness visits and preventive screenings designed to help you stay ahead of potential health concerns.

Learning how these benefits work can help you make the most of your coverage.

06/02/2026

Prescription drug coverage is one of the most important — and most misunderstood — parts of Medicare.

Many people focus on medical coverage but overlook their prescription drug plan until they run into higher costs, coverage issues, or even late enrollment penalties.

In this video, we break down:
• Medicare Part D explained simply
• Standalone drug plans vs. Medicare Advantage drug coverage
• How to avoid lifetime Part D penalties
• The 63-day enrollment rule
• How prescription formularies work
• Drug tiers and coverage levels
• Changes from the Inflation Reduction Act
• Medicare's prescription drug spending limits
• Prior authorizations and formulary exceptions
• Why reviewing your drug plan every year matters

One of the biggest mistakes Medicare beneficiaries make is assuming their drug coverage stays the same year after year.

Formularies, drug tiers, costs, and covered medications can all change, making annual reviews extremely important.

Our goal is to help simplify Medicare so you can make informed decisions, avoid costly surprises, and get the coverage that best fits your needs.

Book a free one-on-one consultation with a Medicare specialist:
https://host.safemsngr.com/widget/bookings/bookaghwcall
Learn more and get your FREE copy of 64+: Your Ultimate Guide to Medicare & Retirement Planning:
https://www.grueninghealthwealth.com/



https://www.youtube.com/watch?v=0TlLPy3wrvQ&t=7s&pp=ygUaZ3J1ZW5pbmcgaGVhbHRoIGFuZCB3ZWFsdGg%3D

If you're going onto Medicare, understanding prescription drug cove...

06/01/2026

If you plan on traveling during retirement, your Medicare coverage deserves a closer look.

One of the biggest differences between Medicare options is how they work when you're away from home.

If you have Original Medicare as your primary coverage, you generally have access to providers nationwide that accept Medicare.

However, many Medicare Advantage plans use provider networks.

Depending on the type of plan, you may have network restrictions when traveling outside your local area. That could impact which doctors, hospitals, and services are covered.

Before choosing a Medicare plan, it's important to consider:

How often you travel
Whether you spend time in multiple states
Your preferred doctors and hospitals
How your coverage works away from home

The best Medicare plan is the one that fits your lifestyle.

06/01/2026

If Medicare feels confusing, you are not alone.

The good news is that Medicare becomes much easier when you focus on the fundamentals first.

Start with understanding:

Medicare Part A
Medicare Part B
What Original Medicare covers
What it does not cover

From there, you can begin learning about the two most common paths people take:

Medicare Supplement plans
Medicare Advantage plans

The right choice depends on your doctors, medications, health situation, budget, and personal preferences.

The biggest mistake people make is trying to choose a plan before they understand the basics.

Education first. Decision second.

05/30/2026

Many people approaching retirement wonder how Medicare works while traveling internationally.

Original Medicare generally does not provide routine coverage outside of the United States, although some plans may offer limited emergency benefits.

Reviewing your coverage ahead of time can help you better prepare for travel.

05/29/2026

One of the most common Medicare questions is:

Should I choose a Medicare Supplement or a Medicare Advantage plan?

The answer depends on your goals, budget, and healthcare needs.

A Medicare Supplement is typically the more comprehensive option. Many people choose it because they prefer predictable costs and want the peace of mind that comes with broader coverage.

A Medicare Advantage plan is often more budget friendly upfront, but it may include copays, deductibles, coinsurance, network restrictions, and annual out of pocket exposure.

Neither option is right for everyone.

The key is understanding how each plan works and matching the coverage to your personal situation, doctors, medications, and financial goals.

That is why Medicare planning should always be individualized.

05/29/2026

If you take prescription medications, choosing the right Medicare drug plan is extremely important.

Every prescription drug plan has what is called a formulary, which is the list of medications the plan covers.

That means:

One plan may cover your prescriptions
Another plan may not

And if your medication is not on the formulary, your costs could become very expensive.

Many people do not realize there is typically only one main opportunity each year to change prescription drug plans during Medicare’s Annual Enrollment Period from October 15 through December 7.

That is why reviewing your medications, pharmacy, and coverage options carefully is so important before enrolling.

The right drug plan can potentially save you thousands of dollars.

05/28/2026

Choosing a Medicare Advantage plan starts with understanding your specific situation.

The first thing we look at is your zip code because Medicare Advantage plans are based on your county and service area.

From there, we review:

Your doctors
Your hospitals
Your prescription medications

This helps narrow down which plans are available and which ones best fit your healthcare needs.

After that, we compare the extra benefits that may matter to you, such as:

Dental coverage
Vision coverage
Gym memberships
Over the counter benefits

Every Medicare Advantage plan is different, which is why reviewing your options carefully is so important.

05/26/2026

One of the biggest Medicare misconceptions is thinking Medicare covers long-term care and assisted living at 100%.

The reality is, many retirees are surprised to learn there are major coverage gaps when it comes to skilled nursing, custodial care, assisted living, and long-term care expenses.

In this video, we break down:
• How Medicare covers skilled nursing care
• The 3-day inpatient hospital rule
• Observation vs. inpatient stays
• Why skilled nursing coverage can be denied
• What happens after day 100
• Skilled nursing vs. assisted living
• What Medicare does NOT cover
• The real costs of long-term care
• How Medicare Supplement plans fit into the picture

This is one of the most important retirement planning topics to understand because long-term care expenses can become one of the biggest financial risks during retirement.

The goal of this video is to help you better understand where Medicare coverage begins, where it ends, and how to make more informed healthcare decisions moving forward.

Book a free one-on-one consultation with a Medicare specialist:
https://host.safemsngr.com/widget/bookings/bookaghwcall

Learn more and get your FREE copy of 64+: Your Ultimate Guide to Medicare & Retirement Planning:
https://www.grueninghealthwealth.com/

One of the biggest misconceptions about Medicare is believing it co...

05/26/2026

Prescription coverage is not always something you choose once and keep forever.

Many people review their drug coverage each year to make sure it still fits their medications and needs.

Understanding your options can help you stay informed as your healthcare needs change.