Understanding Medicare Enrollment Periods: MAOEP vs. GEP & Why it’s Important to Work with a Broker, Your Advocate!
As a Medicare beneficiary, it’s important to understand when and how you can make changes to your Medicare coverage. Two key enrollment periods are the Medicare Advantage Open Enrollment Period (OEP) and the General Enrollment Period (GEP). These periods occur from January 1 to March 31 each year, but they serve different purposes and apply […]
Understanding the New Medicare Prescription Payment Plan for 2025
Managing your Medicare prescription drug costs is about to get easier with the Medicare Prescription Payment Plan, starting in 2025. This program offers a new way to handle out-of-pocket expenses for your prescriptions, spreading costs evenly across the year to help with budgeting. Here’s what you need to know: What is the Medicare Prescription Payment […]
Understanding Seasonal Depression (S.A.D) & How your Medicare Coverage Benefits Can Support You
As the days get shorter and the weather grows colder, many people notice changes in their mood and energy levels. For some, these changes may develop into a condition known as seasonal affective disorder (SAD), a type of depression that typically occurs during the fall and winter months. If you’re a Medicare beneficiary, it’s important […]
Understanding Medicare’s Support for Diabetes: Benefits, Supplies, and Healthy Living Tips
Over 37 million Americans are living with diabetes, and nearly half of them are over the age of 65. For seniors, managing diabetes is crucial, and Medicare plays a key role in providing access to life-saving supplies and treatments. November is American Diabetes Month, a time to raise awareness about diabetes, its risk factors, and […]
CMS Releases 2025 Medicare Parts A & B Premiums and Deductibles
On November 8, 2024, the Centers for Medicare & Medicaid Services (CMS) released the 2025 premiums, deductibles, and coinsurance amounts for the Medicare Part A and Part B programs, and the 2025 Medicare Part D income-related monthly adjustment amounts. CMS Full Press Release HERE 2025 At A Glance: The standard monthly premium for Medicare Part […]
November is Home Care, Hospice, and Palliative Care Awareness Month: Understanding Your Options When Planning for In-Home Care
November is Home Care, Hospice, and Palliative Care Month, making it a great time to educate our readers on the various options available to help individuals remain in their homes as they age, while receiving quality care when needed. Whether it’s assistance with daily tasks or specialized medical care, there are several services available that […]
Understanding Your Options for Ancillary Dental Coverage During National Dental Hygiene Month
October marks National Dental Hygiene Month—a perfect time to focus on maintaining your oral health. For Medicare beneficiaries, understanding which dental services are covered by Medicare and where additional coverage might be necessary is key to overall well-being. This blog will explain what Medicare does and doesn’t cover for dental care and explore your options […]
Discover How Our Executive Benefit Review Can Help You
Ensuring comprehensive executive benefits is crucial for attracting and retaining top talent. However, many businesses overlook key areas, leading to gaps in coverage that can leave executives financially vulnerable. At Ornellas and Associates, we specialize in helping companies identify these gaps and provide tailored solutions, including life insurance, long-term disability (LTD), and long-term care (LTC) coverage. By offering robust benefits packages, businesses can safeguard their executives’ financial well-being while enhancing job satisfaction and loyalty. Learn how to strengthen your executive benefits program and protect your team from unforeseen risks.
Life Insurance: A Crucial Tool for Protecting Your Business and Ensuring Continuity
In the complex world of business, maintaining financial stability and safeguarding assets is essential for long-term success. Yet, many business owners overlook one key element of financial planning—life insurance. While often thought of as a personal safety net, life insurance is a powerful tool for protecting your business and ensuring continuity in the face of […]
What to Expect in Your Medicare Annual Notice of Change (ANOC) for 2025
As we head into the 2025 Medicare season, you’ll be receiving your Medicare Annual Notice of Change (ANOC). This letter brings important updates about your plan, including changes to coverage, costs, and provider networks. Let’s walk through what to look out for and how to make sure your plan continues to fit your healthcare needs. […]