Michael M Insurance Services Blog

Turning 65 and having to think about Medicare can be a daunting chore. There are many avenues to get information, in fact probably too many to the point of being really confusing. If you are nearing 65 you are receiving phone calls, email, solicitation cards for your...

Some states provide assistance for expensive Medications. An example of this is E.P.I.C the New York State Medication assistance program. It stands for Elderly Pharmaceutical Insurance Coverage. On EPIC, your most expensive...

Uncovering the Gaps: What Doesn't Medicare Cover? As we age or face disabilities, healthcare becomes an increasingly critical aspect of our lives. Medicare provides invaluable support to seniors and individuals under 65 with certain disabilities. However, while it...

This stands for the True Out Of Pocket costs of your Medications. It includes your Deductible, copays and the cost share to your Health Insurance Plan. It is used to calculate when you enter into the Coverage Gap  A.K.A. the "Doughnut Hole." In 2024 the gap is reached...

All of us know someone that has been touched by cancer. It's my opinion that the best course of action in the event that this starts to become a reality is to have a plan in place that will give you the most options while at the same time minimizing costs. This will...

Your 7 month window begins 3 months before your birthday month and runs to 3 months after your birthday month. If you were born in June it would start in March and run to September. The 3 months before turning 65 is critical because if you want coverage to start on...