When I meet with people turning 65, one of the biggest decisions they have to make is whether to enroll in a Medicare Advantage plan or pair Original Medicare with a Medicare Supplement. There isn’t a “one-size-fits-all” answer. In fact, many Utah residents choose Medicare Advantage for very practical reasons. Here are the five most […]
Turning 65 is an exciting milestone—but it’s also one of the most important times to make informed decisions about your healthcare coverage. Every year, I meet hundreds of people who unknowingly make Medicare mistakes that cost them money, limit their coverage, or create unnecessary stress. The good news is that most of these mistakes are […]
This is a question that get a lot. What Is Utah’s Medicare Birthday Rule? If you have a Medicare Supplement (Medigap) plan in Utah, you may have a valuable consumer protection that many people don’t even know exists. It’s called the Utah Medicare Birthday Rule, and it can give you the opportunity to change Medicare […]
One of the biggest frustrations I hear from people enrolled in Medicare Advantage plans is this: “My doctor recommended the procedure, but the insurance company says I need prior authorization.” If you’ve ever wondered why some Medicare plans require prior authorization while Original Medicare generally does not, you’re not alone. Understanding this difference can help […]
Don’t Let a Simple Medicare Mistake Create an Expensive Tax Problem Health Savings Accounts (HSAs) are one of the best tax-advantaged tools available. They offer tax-deductible contributions, tax-free growth, and tax-free withdrawals for qualified medical expenses. Unfortunately, many people approaching age 65 make costly mistakes when Medicare enters the picture. I’ve worked with many clients […]
One of the most frustrating conversations I have with retirees in Utah goes something like this: “Tyler…why did Medicare suddenly raise my premium?” Or: “I thought Medicare Part B was one price for everybody?” If your Medicare premium unexpectedly increased, there is a good chance something called IRMAA is the reason. The good news? IRMAA […]
One of the biggest misconceptions I hear from people turning 65 in Utah is this: “Once I have Medicare, I’m covered for everything… right?” I wish that were true. After helping hundreds of retirees navigate Medicare in Utah, I can tell you this: Medicare is excellent coverage—but it does not cover everything. In fact, many […]
If you’re preparing to serve a senior mission for The Church of Jesus Christ of Latter-day Saints, first of all—that’s amazing! For many couples in retirement, serving a mission is one of the most meaningful experiences of their lives. But before you pack your bags and receive your assignment, there is one major planning issue […]
One of the most confusing parts of Medicare for people turning 65 in Utah is prescription drug coverage, also known as Medicare Part D. Most people assume: “A drug plan is a drug plan.” Unfortunately, that’s not true. And honestly, I’ve seen one wrong Part D plan cost people thousands of dollars more than they […]
Turning 65 and going onto Medicare can feel overwhelming. Between the nonstop mailers, television commercials, phone calls, and internet ads, many people feel confused before they even begin the process. One company says one thing, another company says something completely different, and before long, most people feel like they’re afraid of making the wrong decision. […]
