Medicare is a critical program that provides health insurance to millions of Americans aged 65 and older, as well as to younger individuals with certain disabilities. Medicare Part B is a key component of this program, offering coverage for essential medical services...

1.  How your Initial Deductible affects what you pay for formulary drugs.2.  Reminder:  What to do if your prescription is not covered by your 2024 Medicare drug plan. 1.  How your Initial Deductible affects what you pay for formulary drugs. Question:  How does the...

Navigating the intricacies of Medicare plans is a crucial decision for seniors, and choosing the right coverage requires careful consideration. At Hilgerman Insurance Solutions, we understand the challenges that come with the abundance of policies and information...

The standard monthly premium for Medicare is set to see an increase. As we approach the upcoming year, it's crucial to stay informed about changes in healthcare costs, particularly regarding Medicare. At Hilgerman Insurance Solutions, we recognize the significance of...

Medicare Open Enrollment (also known as Open Election) is an important period for individuals eligible for Medicare, as it offers the opportunity to review and make changes to your existing coverage. Medicare Open Enrollment for 2024 will begain October 15th, 2023 and...

Medicare is a vital healthcare program that provides coverage for millions of Americans, particularly those aged 65 and older. However, understanding the extent of Medicare coverage, especially when it comes to prescription drugs, can be complex. At Hilgerman...

The answer to this question depends on your unique situation. Generally, if you are employed and actively working, you may not be required to enroll in Medicare Part A or Part B when you turn 65. However, certain employment situations may still require you to enroll...

Medicare is a federal health insurance program that is available to certain individuals in the United States who meet specific eligibility requirements. If you're approaching age 65, have a disability, or have certain medical conditions, you may be eligible for...

Medicare and Medicaid are both government-sponsored health insurance programs, but they are not the same thing. While they share some similarities, there are also some key differences between the two programs. Let’s explore those differences and help you understand...