Medicare Explained
Medicare has a reputation for being confusing. We think that's a design flaw, not a feature. These guides answer the questions beneficiaries actually ask — in plain language, with no agenda.
The $2,000 Out-of-Pocket Cap: What It Is and When It Started
Medicare's $2,000 annual out-of-pocket drug cap is already in effect — it started January 1, 2025, not 2026. Here's exactly how it works and what it means for you.
5 min readWorking Past 65: Do You Need Medicare?
Whether you need Medicare at 65 depends on how many employees your employer has. Here's the rule, what happens if you get it wrong, and how to decide.
6 min readCan You Have Both Medicare Advantage and Medigap?
You cannot have Medicare Advantage and Medigap at the same time. It's not just impractical — it's prohibited by federal law. Here's exactly why, and what your actual options are.
5 min readRetiree Coverage and Medicare: What You Actually Need to Know
If you have retiree health benefits, you probably still need Medicare. Here's how the two work together, which pays first, and what happens if you opt out.
5 min readCan You Switch from Medicare Advantage to Medigap?
You can switch from Medicare Advantage to Medigap — but outside of guaranteed issue periods, insurers can reject you based on your health. Here's when you're protected and when you're not.
6 min readPart D Changes in 2026: Three Things That Changed
Three major Medicare Part D changes are in effect for 2026: the Medicare Prescription Payment Plan, updated formulary rules, and new negotiated drug prices. Here's what you need to know.
5 min readThe QMB Program: Free Medicare for People Who Qualify
The Qualified Medicare Beneficiary (QMB) program covers your Medicare premiums, deductibles, and copays if your income qualifies. Here's who qualifies and how to apply.
5 min readNot sure where to start?
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