Medigap4u by Hardin Insurance

06/27/2025

12/15/2023

I am not a fan of Medicare advantage plans for many reasons. Two things that should be understood. They were supposed to save Medicare Money but they have been in exitance since 2007 and they cost 6% more than traditional Medicare. Because they deny so many claims the small rural hospitals are losing money to the point of shutting down.

Medicare Advantage plans "are taking over Medicare and they are taking advantage of elderly patients," said the CEO of one Mississippi facility.

09/18/2023

📣 Important News: 2024 Medicare Changes 🏥

Here's a quick overview of some of the upcoming changes to in 2024. If you or someone you know could benefit, please share!

1️⃣ Medicare Advantage:

✅ Enhanced provider directories, now including cultural and linguistic capabilities.
✅ More access to telehealth and digital health education.
✅ Culturally competent care guidelines to better meet needs of non-English speakers and those who are hearing impaired.

2️⃣ Medicare Part D:

✅ Coinsurance eliminated! This could save thousands for those with high-cost meds.
✅ More people now eligible for full benefits under the Part D Low-Income Subsidy Program.
✅ Base beneficiary premium increase capped at 6%.

Have questions or need assistance understanding these changes? Don't hesitate to reach out! We're here to help you navigate and ensure you get the best possible care at the most affordable cost. 💡

02/15/2023

It can be difficult to keep up with all the Medicare changes, so we thought we’d share a few of the most important ones to know in 2023:

✔️ Part D’s deductible and catastrophic coverage phase threshold are both increasing by 5% (a $25 increase and a $350 increase, respectively)
✔️ If you have drug coverage with a Part C or D plan, your insulin costs will be capped at $35 a month. Those on Original Medicare will get the same cost cap starting July 1.
✔️ There’s a new Part B plan that extends immunosuppressive drug coverage for those who have a kidney transplant.
✔️ For those with drug coverage with a Part C or D plan, vaccines recommended by the ACIP are free starting January 2023.

Have questions about these changes or your benefits? Feel free to reach out! We’re always happy to help you understand your coverage.

📖: Medicare Changes for 2023, ValuePenguin

01/06/2022

It may be enticing, but if you choose a Medicare Advantage plan the the devil is in the details. Many of these plans are too good to be true and unexpectedly won't cover certain expenses when you get sick. We advise our customers against them.

A Medicare Advantage plan may help you lower non-covered health costs, but there are definite tradeoffs compared to classic Medicare/Medigap.

01/03/2022

It is no surprise to Hardin Insurance customers that there is a troubled insurance sales firm behind all of those Joe Namath ads. We have been advising against these plans for quite some time now.

Benefytt Technologies has been shaking off lawsuits and regulators for years. It’s now peddling Medicare Advantage plans to seniors—where if someone picks a subpar plan, the results can be disastrous.

12/30/2021

Thanks largely to the internet, managing your own investment portfolio has become more accessible in the last decade.

Whether you're thinking about managing your own investments or you already oversee your portfolio, money expert Clark Howard's advice can help.

12/27/2021

In order to help you save the most money in every way possible, Clark Howard combined his years of experience at Clark.com and ClarkDeals.com to bring you some of his favorite money-saving tips.

Reducing monthly expenses now can lead to big savings over time. Learn how to save the most money on everything from groceries to bills with these tips!

12/23/2021

When you retire, you’ll likely rely on your retirement accounts to provide income to supplement Social Security. To ensure your money lasts, you’ll need to decide on a retirement withdrawal strategy.

There are many ways to withdraw from your retirement savings, so make sure you pick the right strategy for your needs. Explore strategies' tax advantages and more.

12/20/2021

The best online banks charge you fewer fees and pay you more interest. If you don’t mind doing your banking digitally rather than in person, they’re an excellent option.

Some online banks offer free checking, no overdraft fees, ATM fee rebates and savings accounts that actually pay interest!