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So far Credille has created 64 blog entries.

“Medicare” Phone Calls

  PSA: “Medicare” Phone Calls — They’re Usually Scams Medicare does not call you out of the blue. Medicare nor Social Security will call you and  ask for your Medicare number, Social Security number, bank details, or other private information.  Legitimate calls happen only if you requested a callback or if a plan you’re already [...]

By |2025-10-07T06:49:26-05:00October 7th, 2025|Medicare, Services, Uncategorized|

Medicare HMO vs. Medicare PPO

How Do Medicare HMO and Medicare PPO Differ? If you decide to replace your Original Medicare with a Medicare Advantage (Medicare Part C) Plan, your two most common options are an HMO (Health Maintenance Organization) or a PPO (Preferred Provider Organization). Both use provider networks to help manage costs, but they balance price vs. flexibility differently. Medicare PPO [...]

By |2025-10-07T06:27:59-05:00October 6th, 2025|Medicare, Part C|

Medicare Annual Enrollment Period (AEP)

Medicare Annual Enrollment Period (AEP) When it happens: October 15 – December 7 each yearWhen changes begin: January 1 of the next year Heads-up: Medicare Supplement (Medigap) policies can be shopped and changed any time of the year. AEP doesn’t govern Medigap. Switch coverage types: Move between Original Medicare (Parts A & B) and Medicare [...]

By |2025-10-01T06:53:05-05:00October 1st, 2025|Uncategorized|

Does Medicare Cover Chiropractic Care

Medicare & Chiropractic Care Back and neck pain are common as we age. Chiropractic care can help some people move easier and feel better. Here’s what Medicare usually pays for—and what it doesn’t—so you can avoid surprise bills. 1) Quick Basics Original Medicare (Parts A & B) has limited chiropractic coverage. Medicare Advantage (Part C) [...]

By |2025-09-26T15:14:18-05:00September 27th, 2025|Uncategorized|

Still Working at Age 65

Do you need to sign up for Medicare at 65 if you have other coverage? If you turn 65 and already have comprehensive health insurance, you don’t necessarily have to enroll in Medicare. In some situations, though, enrolling at 65 is essential to avoid coverage gaps and penalties. When enrolling at 65 makes sense Potentially [...]

By |2025-09-26T14:24:24-05:00September 26th, 2025|Uncategorized|

The Basics of Medicare

Your Road Map to Medicare What is Medicare? Car Analogy: Medicare is the national interstate system for health care when you hit age 65 (earlier for some disabilities). To “get on the road” you will need Medicare Part A & Part B. Your “big” decision will be selecting how you want to travel. You will have two options. [...]

By |2025-09-26T07:25:48-05:00September 25th, 2025|Uncategorized|

Medicare Part B Late Enrollment Penalty

Avoiding the Medicare Part B Late Enrollment Penalty When it comes to Medicare, timing is everything. Unless you have qualifying (creditable) employer group coverage, you generally need to enroll in Medicare at age 65. Some people qualify earlier due to disability or certain medical conditions. Missing key enrollment windows can trigger late enrollment penalties—especially for [...]

By |2025-09-21T14:53:04-05:00September 21st, 2025|Uncategorized|

Medicare Annual Notice of Change

Understanding Your Medicare Annual Notice of Change (ANOC) Letter What it is, what to look for, and what to do next.   What is the ANOC? The ANOC is a letter from your current plan—either a Medicare Part D prescription drug plan or a Medicare Advantage (MA) plan—spelling out any updates that will take effect [...]

By |2025-09-14T20:08:26-05:00September 14th, 2025|Uncategorized|

Working Past 65

Medicare and Working Past 65 Turning 65 doesn’t always mean retiring. If you’re still working—or covered by a spouse’s employer plan—you may want to wait about beginning  Medicare. The right choice depends on your situation, and knowing the rules can save you money and help you avoid penalties later. Do I Have to Sign Up [...]

By |2025-09-03T07:44:27-05:00September 5th, 2025|General, Long Term Care, Medicare, Part A, Part B, Research, Uncategorized|

Who’s Eligible for Medicare?

 Medicare Eligibility Medicare is the federal health insurance program that helps millions of Americans get the care they need. But who qualifies? Let’s break it down in simple terms. The Basics of Medicare Eligibility You may become eligible for Medicare a few different ways: Turning 65 Most people qualify for Medicare when they turn 65 years [...]

By |2025-09-02T11:59:26-05:00September 4th, 2025|General, Medicare, Part A, Part B, Part C|
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