Since the 2027 plans went live on October 1, our team has pulled every plan in Scottsdale and Las Vegas to get ready for next week's client workshops. More deductibles, higher out-of-pocket limits, a $700 drug deductible cap, and what Medicare.gov cannot show yet.
Eighteen tricky Medicare situations on one page, sorted by what is going on in your life: still working, served, a letter in the mail, a clock running, a surprise bill, two addresses, AI, and the phone. Find yours, then send the right one to someone who needs it.
Your plan's Annual Notice of Change arrives by September 30, and an AI assistant is good at reading it with you. Here are five prompts to type in order, the privacy rule that comes first, and the three places no assistant can judge.
Open Enrollment runs October 15 to December 7, and the calls come with it. Medicare says it will never call to sell you anything, and federal rules bar cold calls from plans and agents. Who is really allowed to call, what the common scams sound like, and the two sentences I say before I hang up.
At a company with fewer than 20 employees, Medicare pays first and the work plan pays second. That flips the Part B decision: skipping it risks bills the plan might not pay, not a penalty. How Medicare counts to 20, the association-plan trap, the paperwork, and the arithmetic.
A federal pilot called WISeR now reviews requests for a short list of services in Original Medicare in six states, Arizona among them, through 2031. The rules say a human clinician must review every denial. Early records show one request waited 83 days. What to do if yours stalls.