From Dave Silver Insurance Blog

When you have either a Medicare Advantage Plan or a Stand-Alone Part D prescription drug plan,  you need to know that these plans can and do change year to year. Each year, around September, you will receive a Annual Notice of Change (ANOC) and Evidence of Coverage...

When  it comes for you to determine you coverage under Medicare you should speak to an adviser that represents many plans, especially when it comes to selecting a Medicare Advantage Plan. Objectivity is key.  You want someone who is familiar with the plans in your...

Did you know the Medicare Supplements, also known as a Medigap policy, have been standardized from company to company. What this basically means is a Plan F with one company offers the same exacts benefits as a Plan F from another company. Most people I speak with are...

I get asked about this all the time.  Many people think that their Medicare Advantage plan is a Medicare supplement. There are major differences between the 2 programs. A  Medicare supplement (Medigap) picks up the 20% that original Medicare does not cover you for. ...

You will get more preventative services under now, than you did before. Now Medicare will cover preventive services like mammograms ands colonoscopies. These preventive services will not apply towards the Part B deductible. you will also be able to have a free annual...

When I first met many of my clients, they often tell me they are  spending alot of money on prescriptions and their Part D drug plans are worthless. Often times that is not the case.  All Part D prescription drug plans cover you for the first $2970 (2013) dollars.  So...

I have been doing some extensive research on the effects of Obama-care on Medicare. Although Obama-care has stripped away $716 billion from Medicare to finance the PPACA, the net change to Medicare Advantage Plans does not seem to be anything severe. Medicare...

I run into this a lot. Many people, especially Veterans, do not have Part B of Medicare. They feel that they since they go to the VA for all of their care, that Part B is not necessary.  This can be a HUGE mistake. First of all, you can’t just start Part B whenever...

You have between January 1st and February 14th to go back to original Medicare. This enrollment period is called ADP or Annual Disenrollment Period. During these 6 weeks you can go back to original Medicare (1-800-633-4227) but you will have to pick up a Part D...

Most folk that have Medicare Advantage plans in this country have HMO type plans. Often with HMO Medicare Advantage plans the networks are smaller. This means that your pool of doctor’s to choose from often can be quite small, depending on where you live.  You will...

Hi Dave. I had to write to say ‘Thank You’ You have a lot of people who you meet and speak to. You came to speak at my groups in Lakewood Ranch and R-9 for my Senior Lunch Club. You spoke on the difference between advantage plans and supplemental plans for Medicare....

Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare. If you join a Medicare Advantage Plan, you still have Medicare. You will get your Part A (Hospital Insurance) and Part B (Medical Insurance)...

Many of the Veterans I work with go the VA for all of their care and really don’t understand how Medicare works with the VA. Often times the advice they receive from the VA about Medicare is inaccurate. It’s important to know that the VA and Medicare are completely...