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Best Medicare plan, cost, and enrollment tools for seniors.
David Bynon is a Medicare and Information Technology (IT) expert and the founder of MedicareWire.com. He has been studying, analyzing, and writing about Medicare health insurance for more than a decade, including his latest book, "Why Medicare Advantage Plans are Bad", available on Amazon.
Since retiring from the U.S. Navy in 2007, David put himself on a new mission to make Medicare less confusing and help consumers find, understand, and choose the best coverage.
Using the IT skill he honed throughout his Naval career, David developed MedicareWire's Plan Finder software, which publishes all private Medicare insurance plans, including downloadable PDFs. The data is refreshed quarterly.
When not writing new articles to help beneficiaries understand their options and make better choices, David provides a free insurance quoting service.
You can reach David with questions or comments at David@MedicareWire.com.
by David Bynon,
Is Medicare Part C a Scam or Legitimate?
Medicare Advantage is legitimate, but it's an easy target for scammers. So, it’s important to do your research before joining a plan.
In this article, we’ll explore Medicare Advantage (Part C), the private health insurance option for people on Medicare. … [Read more...] about Is Medicare Advantage a Scam or Not?
by David Bynon,
Is Supplemental Medicare Insurance a Waste of Money?
Supplemental Medicare insurance is not a waste of money. It helps pay Part A and Part B out-of-pocket costs. Without it, you'll pay all costs yourself.
In this article, we'll discuss how Medicare Supplement insurance, also known as Medigap, … [Read more...] about Are Medicare Supplements Worth It or A Waste of Money?
by David Bynon,
Is The Medicare Grocery Allowance Real?
The Medicare Grocery Allowance is real, but not through Medicare. Also known as the Food Allowance Card for Seniors, it is a feature of certain Special Needs Plans, and a limited number of traditional Medicare Advantage plans. It can be used for most … [Read more...] about Free Groceries for Seniors on Medicare: Legit or Not?
by David Bynon,
What is the Truth About the Flex Card for Seniors?
The Flex Card is a legitimate benefit offered by some Medicare Advantage plans. It is not available everywhere or by all plans. However, many TV commercials hype Medicare Flex Card benefits for seniors without an explanation of what they are and … [Read more...] about How to Get a Flex Card for Seniors (is it legit?)
by David Bynon,
Why is My First Medicare Bill So High?
Social Security bills you for your Part B premiums quarterly. Your bill may also include premiums for past months. This happens if you’re getting your first bill, you missed a payment, or your premium changed.
So, if you are wondering, "Why is my first … [Read more...] about Why is My First Medicare Bill for 3 Months?
by David Bynon,
What is the Downside to Medigap Plans?
The downside of Medigap is the cost and the short guaranteed issue period. However, with a comprehensive policy, you will never have excessive hospital or doctor bills.
If you're trying to decide whether it is better to have Medicare Advantage or Medigap, … [Read more...] about 7 Disadvantages of Medigap Plans (plus 12 benefits)
by David Bynon,
How Much is Medicare Supplemental Insurance?
Plans vary from $40 to over $400 per month. The average cost of Plan G is $132.25 per month. Plan N is $98.85. These are the most popular plans purchased.
We evaluated over 100 Medicare Supplements to uncover the average cost of Medigap insurance in … [Read more...] about Average Cost of Supplemental Insurance for Medicare
by David Bynon,
Is Medicare Plan F Going Away?
Plan F is still available, but only if you qualified for Medicare prior to January 1, 2020. After that, the best plan you can get is Plan G.
In this article, we'll help you understand if Medicare Plan F or Plan G is the best Medicare Supplement plan for you and … [Read more...] about Is Medicare Plan F Still Available? (yes and no)
by David Bynon, — fact checked by Ethan Bynon
When is the Best Time to Sign Up for Medicare?
Most people should sign up for Medicare three months prior to their 65th birthday. You can delay enrolling if you have employer coverage.
In this article, we'll explain everything you need to know to get all your Medicare benefits on time and … [Read more...] about When To Apply for Medicare If You’re Turning 65
by David Bynon,
What is Plan N in Medicare?
Plan N is a supplement that covers all costs except the Part B deductible and excess charges. Plus, you pay a small copay for doctor's office and E.R. visits.
In this article, we'll take a look at Medicare Plan N, the newest of the 10 standardized plans, to help you … [Read more...] about 7 Top Plan N Medicare Benefits
by David Bynon,
Can You Have A Medicare Advantage Plan And A Supplemental Plan At The Same Time?
Medicare rules do not allow beneficiaries to have both a Medicare Advantage plan and Medicare Supplement Insurance. They are incompatible, and you'll need to choose one or the other.
In this article, we'll help you … [Read more...] about Medicare Advantage and Supplement Simultaneously
by David Bynon,
Can You Get On Medicare At Age 62?
As a general rule, you can't get Medicare at age 62. However, there are three situations that may allow you to have Medicare before the age of 65.
In this article, we will do a deep dive into how you can sign up for Medicare at age 62 or younger. And, we'll … [Read more...] about Medicare at Age 62: Fact or Fiction?
by David Bynon,
Compare Supplements with the Medigap Comparison Chart
You can use our Medicare Supplement Insurance plans comparison chart to compare Medigap plans side by side. Easily explore benefits, and costs, and see all plans where you live using our free service.
How to Compare Medigap Plans
Use the … [Read more...] about Medigap Comparison Chart Explained
by David Bynon,
What are the Medicare Advantage Eligibility Requirements?
Anyone enrolled in both Medicare Part A and Part B (Original Medicare) is eligible to join a Medicare Advantage plan in their area. This includes individuals who have Medicare due to a disability, regardless of their age.
In this article, … [Read more...] about Requirements for Medicare Advantage Eligibility
by David Bynon,
Comparing Medigap Insurance Companies by Rate Increases
One of the most important bits of information you need before buying a Medicare Supplement policy is its rate increase history. It tells you how much the carrier has raised its rates over the past few years. Without this information, you could … [Read more...] about Free Rate Increase History for Medigap Plans
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