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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,
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,
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
by David Bynon,
What Does Medicare Part B Excess Charges Mean?
Healthcare providers that don't accept Medicare's standard rates as full payment are allowed to add up to an additional 15% to your bill. This additional amount is a Part B excess charge.
In this article, we'll explain what Part B excess charges … [Read more...] about Medicare Part B Excess Charges Explained
by David Bynon,
What is Medigap vs Medicare Advantage?
While they are both private insurance, Medigap and Medicare Advantage are very different. Medigap works in lockstep with Original Medicare to help pay deductibles and copays. Medicare Advantage replaces Original Medicare with a private HMO or PPO-type health … [Read more...] about Medigap vs Medicare Advantage in 3 Minutes!
by David Bynon,
Can I Switch from Medicare Advantage to Medigap without Underwriting?
If you are new to Medicare, and you joined a Medicare Advantage plan, you have a 1-year trial right. During this period you can switch back to Original Medicare and buy a Medigap policy. There's a second situation that gives you … [Read more...] about When Can I Switch from Medicare Advantage to Medigap?
by David Bynon,
What Zip Codes Have The Medicare Give Back Program?
The Medicare Part B premium reduction benefit pays all or some of your Part B monthly premium. However, the benefit is not available from all Medicare Advantage plans. That said, in just a couple of years, the number of plans offering a Medicare … [Read more...] about Medicare Give Back Program (by zip code)
by David Bynon,
Medicare, the federal health insurance program for seniors and certain individuals with disabilities, plays a crucial role in ensuring access to affordable healthcare. However, the cost of Medicare coverage varies depending on several factors, including income.
In this blog post, we will explore … [Read more...] about Understanding How Income Determines Medicare Premiums
by David Bynon,
Does Medicare Cover Dexcom G6 or G7?
Yes. Medicare will cover the cost of a Dexcom G6 or Dexcom G7 if you meet their criteria. In fact, Dexcom ships Dexcom G6 and Dexcom G7 units to Medicare beneficiaries with traditional fee-for-service coverage.
In this blog post, we will explore Medicare's … [Read more...] about Understanding Medicare Coverage of the Dexcom G6 and G7
by David Bynon,
Caring for loved ones who are aging, disabled, or have chronic illnesses can be challenging, both emotionally and financially. Thankfully, Medicare offers various support programs to alleviate the burden on caregivers.
It's essential to understand who qualifies as a caregiver under Medicare rules … [Read more...] about Understanding Medicare Rules: Who Qualifies as a Caregiver?
by David Bynon,
Medicare without Social Security
Medicare and Social Security benefits are no longer linked. In the past, both benefits were automatic at age 65. This is no longer the case.
Today, most people are eligible for their Medicare benefits at age 65. Some people qualify earlier than age 65 due to … [Read more...] about Can You Get Medicare without Social Security?
by David Bynon,
Can You Cancel Medicare Part B?
Yes, you can cancel Medicare Part B coverage. Part B, your medical coverage, is an option, not a requirement. However, Medicare can charge you an additional 10% for each 12-month period you could have been enrolled in Part B.
There are two instances that allow you … [Read more...] about What is the Penalty for Canceling Medicare Part B?
by David Bynon,
When Does Medicare Supplement Open Enrollment Take Place?
The Medicare Supplement Open Enrollment period is not a set time of the year. It is unique to you and is the only time when carriers cannot deny coverage.
In this article, we'll answer the 5 most common questions we get about the Medigap … [Read more...] about What is the Medigap Open Enrollment Period?
by David Bynon,
If you are about to make plan election choices for yourself or a loved one, you might find yourself wondering about the advantages and disadvantages of Medicare Advantage plans. In this MedicareWire article, we'll answer this important question for you.
Spoiler Alert: It's different for … [Read more...] about Top 5 Advantages and Disadvantages of Medicare Advantage Plans
by David Bynon,
Where to Compare Medicare Advantage Plans
MedicareWire is the only website that lets you quickly and easily see all Medicare Advantage plans in your area and download plan benefits and costs. Use our MA Plan Finder to compare plans.
In this article, well answer these important questions about … [Read more...] about How to Compare Medicare Advantage Plans
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Medicare prescription drug plans are more complicated than ever. That’s why MedicareWire has teamed up with the Medicare Part D experts at HealthCompare. Their licensed Medicare insurance agents will ask you about your medications and preferred pharmacy. Using their state-of-the-art tools, they will find your best plan options. Just like magic!
HOURS: Mon-Sun 8am-11pm EST
HealthCompare, an Allstate company, is a nationwide health insurance agency. They do not offer every plan available in your area. Any information they provide is limited to those plans they do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options.
Medicare prescription drug plans are more complicated than ever. That’s why MedicareWire has partnered with the experts at HealthCompare. Their licensed Medicare insurance agents will listen to your needs and walk you through your plan options and benefits. There’s no obligation!
HOURS: Mon-Sun 8am-11pm EST
HealthCompare, an Allstate company, is a nationwide health insurance agency. They do not offer every plan available in your area. Any information they provide is limited to those plans they do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options.
Medicare health insurance is more complicated than ever. That’s why MedicareWire has partnered with the experts at HealthCompare. Their licensed Medicare insurance agents will listen to your needs and walk you through your plan options and benefits. There’s no obligation!
HOURS: Mon-Sun 8am-11pm EST
HealthCompare, an Allstate company, is a nationwide health insurance agency. They do not offer every plan available in your area. Any information they provide is limited to those plans they do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options.
MedicareWire has partnered with the licensed Medicare insurance agents at HealthCompare to help answer your toughest questions. They will take the time to walk you through your plan options and benefits. There’s no obligation!
OPEN ENROLLMENT HOURS: Mon-Sun 8am-11pm EST
HealthCompare, an Allstate company, is a nationwide health insurance agency. They do not offer every plan available in your area. Any information they provide is limited to those plans they do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options.
Medicare health insurance is more complicated than ever. That’s why MedicareWire has teamed up with the Medicare Advantage experts at HealthCompare. Their licensed Medicare insurance agents will ask you about your medications, preferred pharmacy, and the healthcare benefits you need most. Using their state-of-the-art tools, they will find your best plan options. Just like magic!
HOURS: Mon-Sun 8am-11pm EST
HealthCompare, an Allstate company, is a nationwide health insurance agency. They do not offer every plan available in your area. Any information they provide is limited to those plans they do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options.
The only way to know if you are getting the best deal on your Medicare Supplement Insurance is to see all rates from all insurance carriers. That's what we'll send you when you fill out the form below. We won't spam you or sell your information. That's a promise!
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