Medicare Savings Programs (MSPs) help pay your Medicare costs if you have limited income and savings. Additional benefits of enrolling in an MSP include:Allowing you to enroll in Medicare Part B outside of usual enrollment periodsEliminating your Part B...

If you qualify for one of the three main Medicare Savings Programs (MSPs), your Medicare Part B monthly premium will no longer be deducted from your Social Security check. Additionally, you will automatically get Extra Help, the federal program that helps...

Each state has different eligibility requirements for the Medicare Savings Programs (MSPs). For instance, while all states require that applicants meet monthly income limits, those limits may vary from state to state. It is important to know that many...

Medicare Savings Programs (MSPs), also known as Medicare Buy-In programs or Medicare Premium Payment Programs, help pay your Medicare costs if you have limited income and savings. There are three main programs, each with different benefits and eligibility...

If you are enrolled in a Part D plan but cannot afford your prescriptions—whether or not you have Extra Help or get help from a State Pharmaceutical Assistance Program (SPAP)—there are a few additional strategies that may help lower your drug costs.Ask...

Some retiree insurance plans offer prescription drug coverage. If your retiree insurance offers creditable drug coverage and you prefer it to Part D, you can delay Part D enrollment without penalty.Even if your retiree drug coverage is not creditable, you...

Retiree insurance is a form of health coverage an employer may provide to former employees. Retiree insurance is almost always secondary to Medicare, meaning it pays after Medicare and may provide coverage for Medicare cost-sharing, like deductibles, copayments, and...

Some job-based insurance plans offer creditable drug coverage. If you are eligible for Medicare and enrolled in creditable coverage from your current employer, you can delay Part D enrollment without incurring a late enrollment penalty (LEP). When you...

Job-based insurance is insurance offered by an employer or union for current employees and family members. Job-based insurance allows you to delay Medicare enrollment without negative consequences in some situations. However, you may want to enroll in Medicare...

Special Enrollment Periods (SEPs) are periods of time outside normal enrollment periods where you can enroll in health insurance. They are typically triggered by specific circumstances. The Part B SEP is a period of time when you can enroll in Medicare Part B after...

Job-based insurance is insurance offered by an employer or union for current employees and family members. Job-based insurance allows you to delay Medicare enrollment. However, you may want to enroll in Medicare depending on whether your job-based...

Job-based insurance is insurance offered by an employer or union for current employees and family members. Job-based insurance allows you to delay Medicare enrollment. However, you may want to enroll in Medicare depending on whether your job-based...

When you have Medicare and another type of insurance, Medicare will either pay primary or secondary for your medical costs.Primary insurance pays first for your medical bills.Secondary insurance pays after your primary insurance.Usually, secondary...

  There are several different kinds of health insurance. If you’re becoming eligible for Medicare but you already have insurance, learn whether/how your current plan coordinates with Medicare and whether/how you can delay Medicare enrollment....

Each state has different rules regarding who becomes the default decision-maker if you do not have a health care proxy or some other means of expressing your treatment wishes. If you become unable to make medical decisions because you are incapacitated by a temporary...