JustForSeniors Newletter

Dear Clients - it is with great sadness that we announce the passing of my father and Patty’s grandfather, Dan Dougherty. Dad was the founder of our agency (est. in 1980), and we have done our best to continue his legacy and focus on service and education. His wisdom,...

With the addition of new Medicare programs and products over the years CMS has created specific enrollment periods for people to make plan changes. The most notable is the AEP (Annual Enrollment Period and it runs from October 15 through December 7. What you can do...

The Annual Open Enrollment Period is fast approaching (Oct 15- Dec 7) and new rule changes from the 2022 Inflation Reduction Act will kick in which will dramatically affect how much participants pay for their medications.  (Note: It is still unclear how some of these...

I’m back from my service trip to rural Mexico with Rotary! It was a productive trip and thankfully uneventful from a medical emergency and evacuation perspective. But if something had come up, my GeoBlue Trekker insurance policy would've covered it. And that's why we...

Hi friends and clients! I hope your summer is going well. I wanted to share some information about a subject that has come up a number of times in the last few weeks. I thought you might find it useful. The Income Related Monthly Adjustment Amount known as IRMAA was...

Medicare Part B and Part D cover most vaccines and immunizations. It’s important to understand which part of Medicare covers which vaccines. Vaccines covered by Medicare Part B Part B covers specific vaccinations including the seasonal flu shot, pneumonia, and...

One of the most common questions we get regarding Medicare Supplements (MediGap) is what providers can be accessed for care. Many assume that a Medicare Supplement from Blue Shield or Anthem Blue Cross requires using their respective doctor networks. In fact, Medicare...

The Inflation Reduction Act is bringing a series of revisions to the Medicare Part D Prescription Drug Program that will be phased in over the next six years. The immediate modifications beginning January 1, 2023, include: Insulin copays will be limited to $35/month...

Most of you reading this have Medicare as your primary insurance with a Medicare Supplement to fill in gaps. We have been advocates for this type of arrangement for nearly 30 years for its high level of insurance and the extensive provider access it provides. As we...

Let the adventures begin! Travel is back to pre-pandemic levels according to several travel related sources. While you make your international travel arrangements, don’t forget to include travel medical insurance in your planning. Alert! Original Medicare (Part A +...