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He Turned 65, Kept the Company Plan, and Medicare Was Already First in Line
Medicare & Healthcare

He Turned 65, Kept the Company Plan, and Medicare Was Already First in Line

There is a line in the Medicare rules drawn at twenty employees. On one side, your group plan pays your bills first. On the other side, Medicare does, whether or not you ever signed up for it. Most business owners find out which side they are on the hard way.

Aug 3, 2026
A man in his late sixties at a sunlit table sorting through a stack of insurance mail
Medicare & Healthcare

I Have Been Reading the Mail the Carriers Send Us. You Should See It Too.

Four things happened in the last ten days that change what your 2027 Medicare decision looks like. All of them are public. None of them were announced to you. Here is what came into our advisors' inboxes this summer, and what it means for your family.

Aug 2, 2026
Widowed at 75: How to Appeal a Medicare IRMAA Surcharge After the Death of a Spouse
Medicare & Healthcare

Widowed at 75: How to Appeal a Medicare IRMAA Surcharge After the Death of a Spouse

Two years after a loss, a letter from Social Security can raise a widow's Medicare premium based on income from a life that no longer exists. There is a one-page form built for exactly this moment, and most people have never heard its name. Part three of The Widow's Penalty: the surcharge with a two

Jul 8, 2026
An illustrative infographic showing prescription bottles, a calculator, and a notebook with a pen, symbolizing smart healthca
Medicare & Healthcare

Here's How to Save on Prescriptions This Year

The Medicare Annual Enrollment Period may be over, but you still have legitimate, safe alternatives to lower your medication costs without changing your Medicare plan.

Jul 8, 2026
A clean illustration of a clear glass of water and fresh fruit on a sunlit kitchen counter, representing hydration and health
Medicare & Healthcare

Low Water? High Blood Sugar! How Dehydration Affects Glucose

When you're dehydrated, your blood sugar levels may rise because the sugar in your bloodstream becomes more concentrated—like the difference between water and syrup.

Jul 3, 2026
Illustrated Medicare cards, paperwork, glasses, and calendar on a desk.
Medicare & Healthcare

Your Medicare Options After Annual Enrollment Period Ends

Missed Medicare's December 7th deadline? There's good news: additional opportunities exist depending on your coverage type.

Jun 29, 2026
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Published by American Retirement Advisors in Scottsdale, Arizona.

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Medicare Disclosure

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