Category: Latest Posts

One question I often hear from my Medicare members is about hearing aid coverage. Original Medicare doesn’t cover hearing aids or the exams needed to fit them—so those costs, unfortunately, fall entirely on the beneficiary. However, doctor-ordered diagnostic hearing or balance tests for specific medical concerns can be covered under your medical plan, though you’ll still need to meet deductibles, pay around 20% coinsurance, and may see outpatient copays. Many private Medicare plans do offer added hearing benefits, such as yearly exams, fitting appointments, and device allowances. Just remember, these benefits come with their own caps, copays, provider networks, and preapproval requirements. Hearing aids themselves can be a big investment, with traditional options ranging from about $1,000 to $4,000 per ear, while over-the-counter devices for mild to moderate loss are typically $100-$700 per pair. For severe hearing loss, some may qualify for surgically implanted devices covered as prosthetics, but even then, deductibles, coinsurance, and follow-up care add up. I’m always here to help you navigate these details and find the right path for your hearing health.

Indigenous Peoples’ Day celebrates, recognizes, and honors the beautiful traditions and cultures of the Indigenous People
We take a stand for and support the indigenous people on this day.
We should also offer our support to those who invest and uplift the indigenous communities.

Big changes are coming for about 600,000 Medicare Advantage members in 2027, as one of the major insurers plans targeted exits from certain plans. For those impacted, it’s important to remember: your Medicare eligibility remains secure. If your Medicare Advantage plan isn’t renewed and you don’t select a new one, you’ll generally transition back to Original Medicare. There’s a specific enrollment window—starting in early Q4 and running into mid-Q4—with plan changes going into effect in early Q1. If you choose to switch to Original Medicare, you’ll have a special Medigap window that opens 60 days before your coverage ends and closes no more than 63 days after. When reviewing your options, pay close attention to whether your doctors and hospitals are included, as well as formularies, copays, deductibles, and your maximum out-of-pocket costs. Sometimes a $0 premium brings hidden tradeoffs. Free and unbiased guidance is available through state programs, and checking your choices with Medicare or a trusted adviser can help prevent gaps in your coverage. My commitment has always been to make a meaningful difference in the lives of my Medicare members—I’m here to help you navigate these changes with care and clarity.

As someone who cares deeply about making a difference for my Medicare members, I want to remind you that the annual Medicare Fall Enrollment period is right around the corner—October 15 through December 7. This is your window to review your current coverage, make changes, or tailor your plan for the year ahead.

Looking ahead, out-of-pocket costs for Part D will be capped at $2,100 in 2026, with an estimated cap of $2,400 for 2027. For those with Medicare Advantage, annual maximums can reach $9,250. Be sure to keep an eye out for the annual notice arriving late in the third quarter—it will highlight any changes in cost, benefits, networks, or plan availability. This information is key as you make your decisions for next year.

It’s important not to assume all plans are alike. Compare your options carefully—ensure your preferred doctors, prescriptions, pharmacies, and even your travel or relocation plans are included. Your care needs are unique, and your coverage should reflect that.

If you’re already enrolled in a Medicare Advantage plan, there’s also another window from January 1 through March 31 to switch plans or return to Original Medicare. And remember, free counseling is available if you need guidance. I’m here to help you make the most informed choices for your health and peace of mind.

One of the most rewarding parts of working with Medicare members is uncovering resources that truly improve your quality of life. Many retirees don’t realize that a yearly wellness visit under a federal health plan is often free—when your provider accepts assignment. Just remember, if extra tests are suggested, double-check what’s covered to avoid unexpected charges. There’s also a free state counseling program designed to help you compare coverage options, understand your medical bills, appeal decisions, and discover programs to lower healthcare costs. On top of that, you may be eligible for free tax assistance, no-cost recommended vaccines, and fitness programs through certain private health plans—small things that can add up to meaningful savings over time. For those with lower incomes, there are additional supports available in many communities, such as senior meals, food packages, produce benefits, energy upgrades, and discounted phone or internet service. Don’t forget to look into lifetime park passes, legal aid, classes, or senior center services—often available at low or no cost, but you do need to ask and apply. My goal is always to help you navigate these opportunities so you can focus on enjoying retirement and staying well.