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COBRA does not stop the Medicare clock. Here is the math, and the trap of trying to keep both.
Medicare & Healthcare

COBRA does not stop the Medicare clock. Here is the math, and the trap of trying to keep both.

The company hands you 18 months of COBRA on the way out and it feels generous. Medicare's 8-month clock started the month you left, COBRA usually costs more than Medicare would, and no, you do not get to keep both. An engineer shows his work.

Sep 8, 2026
Three plans at work. What feels like three hundred at 65. Happy Labor Day.
Medicare & Healthcare

Three plans at work. What feels like three hundred at 65. Happy Labor Day.

My wife just started a new nursing job and picked her health plan in one evening from a list of three. At 65 it feels like three hundred, and the person down the hall who used to vet it for you is gone.

Sep 7, 2026
More than 2,000 of you have already checked in for enrollment season. Thank you.
Medicare & Healthcare

More than 2,000 of you have already checked in for enrollment season. Thank you.

Our client care team has walked more than 2,000 clients through this year's enrollment check-in. Here is what happens to your answers next, and why the early birds sleep better in October.

Sep 6, 2026
What to bring to the library on October 2nd, and what you'll walk out knowing.
Medicare & Healthcare

What to bring to the library on October 2nd, and what you'll walk out knowing.

If you're coming to sit with us Friday, here's how to get the most out of the hour, what we'll actually cover, and what we won't do.

Sep 4, 2026
Why we show up for plans we don't get paid on.
Medicare & Healthcare

Why we show up for plans we don't get paid on.

There are Medicare plans we help people with that pay us nothing, and the list gets longer every year. Here's why we've never been able to make ourselves stop.

Sep 3, 2026
"Humana is cutting plans" is a headline. Here is what it actually means for you.
Medicare & Healthcare

"Humana is cutting plans" is a headline. Here is what it actually means for you.

600,000 members sounds enormous until you read the rest of it. Here's what the Humana Medicare Advantage reporting actually says, and what a calm person does with the letter.

Sep 2, 2026
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Published by American Retirement Advisors in Scottsdale, Arizona.

Helping families navigate Medicare, retirement income, and inheritance planning since 2001.

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Medicare Disclosure

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (1-800-633-4227) to get information on all of your options. TTY users should call 1-877-486-2048. AmericanRetirementAdvisors.com LLC is not connected with or endorsed by the U.S. government or the federal Medicare program. Hours of operation: Monday through Friday, 8:00 AM to 5:00 PM MST.

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