Medicare

Mindfulness

Medicare Eligibility and Health Savings Accounts

A Health Savings Account can be an important and effective tool to help navigate the increasing costs of medical care. Designed to help incentivize individuals toward high-deductible health plans (HDHPs), Health Savings Accounts (HSAs) provide tax-free incentives for costs related to qualified medical expenses. There are approximately 31 million open HSAs in the United States, covering more than 60 million Americans. While Americans...
An overview of Medicare periods of enrollment

When you become eligible for Medicare healthcare coverage, you only have a small timeframe to enroll. Using the time allotted to consider and subsequently enroll in coverage is imperative. The Centers for Medicare & Medicaid Services (CMS) have strict guidelines for enrollment, so if you miss the time to enroll, you may face a delay of coverage or be assessed...
Legislation targets Medicare savings and enhancements

While navigating Medicare rules and regulations can be challenging and, in some instances, costly, recently enacted legislation offers important enhancements and potential cost savings for Medicare beneficiaries starting this year. Both the Inflation Reduction Act, which was signed into law last summer, and the Beneficiary Enrollment Notification and Eligibility Simplification (BENES) Act, which became law in 2020, have provisions taking effect...
Medicare & Medicaid – 2023 premium announcement

Decreasing expenses provide financial relief needed to millions of Medicare beneficiaries Ahead of Medicare’s Annual Election Period (AEP), the Centers for Medicare & Medicaid Services (CMS) last month announced the 2023 Medicare Part A and Part B premiums, deductibles, and coinsurance amounts, as well as the income-related monthly adjustment amounts of Medicare Part D. Each year Medicare premiums are adjusted in...
Understanding the Medicare Part D Donut Hole

Nearly 50 million individuals receive prescription drug coverage through a Medicare Part D plan. As with other Medicare options, Part D plans range in cost and coverage. This means choosing the plan that best fits your unique needs may be difficult but is incredibly important. When determining which plan to enroll in, beneficiaries should not only consider what coverage the...
Disabled and Unable to Work – Two Potential Paths

Individuals who find themselves unable to work due to a disabling condition will likely find there are several important decisions to make to protect their financial future. For those disabled individuals who are over age 62 but have not yet retained “full retirement age” according to the Social Security Administration (SSA), an additional choice may exist between which Social Security...
Proposed legislation could drastically cut the cost of Insulin

Late last month, the United States House of Representatives approved a bill capping the cost of insulin at $35 per month for insured Americans. The Affordable Insulin Now Act has moved to the Senate for a decision with the hope of approval to then be signed into law by President Joe Biden. The Act was originally a part of a...
Biden issues executive order to improve customer service

Last month, President Joe Biden signed Executive Order 14058, “Transforming Federal Customer Experience and Service Delivery To Rebuild Trust in Government.” The order directs government agencies to put the American people at the center of their work and to identify, address, and resolve current issues in the interactions between their departments and the American people. By updating old business models, streamlining...
A look back at our first year as Brown & Brown Absence

In February of 2021, we launched the Brown & Brown Absence Services Group brand. In choosing to identify ourselves as Brown & Brown Absence Services Group, we made the commitment to continue to deliver solutions and services to customers, clients, and teammates across the absence continuum. We have had an exciting first 11 months as Brown & Brown Absence Services...
Medicare & Medicaid – 2022 premium increase

The Centers for Medicare and Medicaid Services (CMS) have announced the 2022 increases in premiums, deductibles, and coinsurance amounts for the Medicare Part A and Part B programs. Each year, the rates are adjusted according to the Social Security Act. The historic Cost-of-Living Adjustment announced by the Social Security Administration last month is the basis for this year’s increase. In 2022,...

Medicare can be complicated,
but we are here to help.

We’ll call you to discuss your options.

Medicare Eligibility and Health Savings Accounts

A Health Savings Account can be an important and effective tool to help navigate the increasing costs of medical care. Designed to help incentivize individuals toward high-deductible health plans (HDHPs), Health Savings Accounts (HSAs) provide tax-free incentives for costs related to qualified medical expenses. There are approximately 31 million open HSAs in the United States, covering more than 60 million Americans. While Americans...
An overview of Medicare periods of enrollment

When you become eligible for Medicare healthcare coverage, you only have a small timeframe to enroll. Using the time allotted to consider and subsequently enroll in coverage is imperative. The Centers for Medicare & Medicaid Services (CMS) have strict guidelines for enrollment, so if you miss the time to enroll, you may face a delay of coverage or be assessed...
Legislation targets Medicare savings and enhancements

While navigating Medicare rules and regulations can be challenging and, in some instances, costly, recently enacted legislation offers important enhancements and potential cost savings for Medicare beneficiaries starting this year. Both the Inflation Reduction Act, which was signed into law last summer, and the Beneficiary Enrollment Notification and Eligibility Simplification (BENES) Act, which became law in 2020, have provisions taking effect...
Medicare & Medicaid – 2023 premium announcement

Decreasing expenses provide financial relief needed to millions of Medicare beneficiaries Ahead of Medicare’s Annual Election Period (AEP), the Centers for Medicare & Medicaid Services (CMS) last month announced the 2023 Medicare Part A and Part B premiums, deductibles, and coinsurance amounts, as well as the income-related monthly adjustment amounts of Medicare Part D. Each year Medicare premiums are adjusted in...
Understanding the Medicare Part D Donut Hole

Nearly 50 million individuals receive prescription drug coverage through a Medicare Part D plan. As with other Medicare options, Part D plans range in cost and coverage. This means choosing the plan that best fits your unique needs may be difficult but is incredibly important. When determining which plan to enroll in, beneficiaries should not only consider what coverage the...
Disabled and Unable to Work – Two Potential Paths

Individuals who find themselves unable to work due to a disabling condition will likely find there are several important decisions to make to protect their financial future. For those disabled individuals who are over age 62 but have not yet retained “full retirement age” according to the Social Security Administration (SSA), an additional choice may exist between which Social Security...
Proposed legislation could drastically cut the cost of Insulin

Late last month, the United States House of Representatives approved a bill capping the cost of insulin at $35 per month for insured Americans. The Affordable Insulin Now Act has moved to the Senate for a decision with the hope of approval to then be signed into law by President Joe Biden. The Act was originally a part of a...
Biden issues executive order to improve customer service

Last month, President Joe Biden signed Executive Order 14058, “Transforming Federal Customer Experience and Service Delivery To Rebuild Trust in Government.” The order directs government agencies to put the American people at the center of their work and to identify, address, and resolve current issues in the interactions between their departments and the American people. By updating old business models, streamlining...
A look back at our first year as Brown & Brown Absence

In February of 2021, we launched the Brown & Brown Absence Services Group brand. In choosing to identify ourselves as Brown & Brown Absence Services Group, we made the commitment to continue to deliver solutions and services to customers, clients, and teammates across the absence continuum. We have had an exciting first 11 months as Brown & Brown Absence Services...
Medicare & Medicaid – 2022 premium increase

The Centers for Medicare and Medicaid Services (CMS) have announced the 2022 increases in premiums, deductibles, and coinsurance amounts for the Medicare Part A and Part B programs. Each year, the rates are adjusted according to the Social Security Act. The historic Cost-of-Living Adjustment announced by the Social Security Administration last month is the basis for this year’s increase. In 2022,...

Medicare can be complicated,
but we are here to help.

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Medicare

Mindfulness

Medicare can be complicated,but we are here to help.

We’ll call you to discuss your options.

Medicare can be complicated,but we are here to help.

We’ll call you to discuss your options.

Medicare can be complicated,
but we are here to help.

Medicare can be complicated,
but we are here to help.