Medicare Planning Group - Michael Lamb, CFP

09/10/2026

ATTENTION: It is that time of year again. If you have a Medicare Part D drug plan or a Medicare Advantage plan, you should receive your ANOC - Annual Notice of Change by the end of this month. PLEASE DO NOT toss this ANOC out without carefully reviewing it. If you need help, just let me know.

08/30/2026

📢 Working Past 65? Here’s What You NEED to Know About Medicare.

Thinking about staying on your employer’s health insurance past age 65? It might seem simple, but making a mistake can lead to denied claims and permanent lifetime penalties on your Medicare Part B premium.

Here are the key rules you need to know before turning 65:

🏢 1. The Employer Size Rule: 20 is the Magic Number

19 or fewer employees: Medicare becomes your primary coverage at age 65. You must enroll in Medicare; if you don't, your employer's group plan can deny your claims, leaving you unprotected.

20 or more employees: Your employer group coverage remains primary. You have the choice to keep your work insurance and delay enrolling in Medicare.

🛑 2. Staying on Employer Coverage? Be Careful What You Enroll In…

Hold off on Part B: If your group plan is primary, signing up for Part B means paying an unnecessary monthly premium. Delaying it also protects your future open enrollment rights when you eventually retire.

Beware of Part A if you have an HSA: Even though Part A is premium-free for most, enrolling in it disqualifies you from contributing to a Health Savings Account (HSA). In fact, HSA contributions must stop 6 months prior to enrolling in Medicare to avoid tax penalties.

⚠️ 3. The COBRA & Retiree Insurance Trap

Many people assume COBRA or retiree health plans count as active employer coverage—they do not. If you rely on COBRA instead of enrolling in Medicare at 65, Medicare will assess a 10% penalty for each year you delayed Part B, added to your premium for the rest of your life.

📄 4. Proving Creditable Coverage Later

When you do eventually retire (whether at 68 or 78), Social Security will require an employer coverage form (Form L564) signed by HR to prove you had continuous creditable coverage and waive late enrollment penalties.

👉 Don't let unexpected rules catch you off guard—double-check with your HR department about your plan size and coverage status before your 65th birthday!

08/19/2026

Medicare can feel confusing at first, especially when you’re comparing choices. This article is a helpful place to start if you’re approaching 65 or helping a loved one. If you want to talk through the basics, feel free to reach out.

If you have just turned 65, then you might be eligible to enroll in Medicare. Medicare is a health insurance program offered by the federal government to retirees and others Read More The post Medicare Questions to Ask first appeared on SafeMoney.com.

07/09/2026

Welcome to TNDentalPlans—your trusted online resource for finding affordable, private dental coverage designed specifically for Tennessee residents.

We understand that a healthy smile is essential for your entire family, from grandchildren to grandparents. Our mission is to simplify the dental insurance process by connecting Tennesseans with a trusted network of providers, easy digital enrollment, and flexible plan options tailored to fit any budget.

Whether you are looking for individual coverage or a comprehensive plan for your whole household, we are here to help you smile with confidence.

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07/09/2026

🦷 Ouch! Dealing with a toothache? Knowing what to expect and how to find relief can make all the difference.

A toothache can range from minor sensitivity to severe pain, and it’s always best to consult your dentist to get to the root of the problem. Here is a quick guide on how toothaches are diagnosed, treated, and managed:

🔍 How Dentists Diagnose the Cause
Your dentist will typically perform a standard dental exam to inspect your mouth for signs of oral health problems. This may include X-rays to get a closer look at what’s happening beneath the surface.

🛠️ Common Treatment Options
Depending on the cause, your dentist might recommend:

Fillings for small cavities.

Dental crowns to repair larger cavities or fractures.

Root canals if the toothache is caused by an infection.

Tooth extraction as a last resort for severely damaged teeth.

Medication like prescribed pain relievers or antibiotics.

🏡 At-Home Relief (While You Wait for Your Appointment)
If you can't see your dentist immediately, try these temporary comfort measures:

Over-the-counter pain relievers or topical gels.

An ice pack applied to your cheek to reduce swelling.

Rinsing with warm saltwater.

Sticking to soft foods (like yogurt or oatmeal) and avoiding extremely hot, cold, sugary, or acidic items.

⚠️ Can they go away on their own?
If it's just minor, temporary gum irritation, it might subside. However, issues like cavities or abscesses will not go away on their own and require professional care. If your pain lasts more than two days or is severe, don't wait!

Visit the links below for instant, free Dental Plan quotes.

👉 Delta Dental - https://ddtn.dentalforeveryone.com/?share=true&Portal=DDTN-7282448

👉 Ameritas - https://myplan.ameritas.com/id/010B5626

👉 NCD - https://enrollment.ncd.com/977531

07/08/2026

📊 Understanding Your Dental Benefits: What is an Annual Maximum?

Ever wondered exactly how your dental insurance plan pays for your care? One of the most important concepts to understand is your annual maximum. Here is a quick breakdown of how it works and what it means for your smile!

💡 What is an Annual Maximum?
It is the maximum dollar amount your dental insurance will pay toward the cost of your dental services within a benefit plan year (typically a 12-month period).

Every time a dental claim is submitted, that paid amount is subtracted from your maximum.

Once you hit this limit, any additional dental services are 100% your responsibility to pay out-of-pocket until your plan resets.

Most annual maximums range between $1,000 and $2,000, though some plans could be higher.

🛡️ What Counts Toward Your Maximum?

Typically counts: Restorative and major services like cavity fillings, root canals, crowns, extractions, and oral surgeries.

Might NOT count: Routine diagnostic and preventive procedures (like standard exams and regular cleanings) often do not count against your limit, though this depends entirely on your specific plan.

Deductibles & Co-pays: Any portion you pay out of pocket for deductibles or co-pays does not count toward this maximum limit.

🦷 What About Orthodontic Care (Braces)?
Unlike general dental coverage which resets every year, orthodontic benefits usually come with a lifetime maximum. Once you reach your plan's total orthodontic limit, no further orthodontic benefits will be paid for the life of that dental plan.

💻 How to Check Your Remaining Balance
Don't wait until you're at the dentist's office to find out where you stand! You can easily check your remaining maximum balance by:

Calling your provider's customer service line.

Logging into your provider's online member dashboard. (Delta Dental subscribers can log in online anytime to check their exact remaining benefits!)

Visit the links below for instant, free Dental Plan quotes.

👉 Ameritas - https://myplan.ameritas.com/id/010B5626

👉 Delta Dental - https://ddtn.dentalforeveryone.com/?share=true&Portal=DDTN-7282448

👉 NCD - https://enrollment.ncd.com/977531

07/06/2026

The easy way to compare Medicare plans (No high-pressure phone calls). 🔍

Navigating Medicare doesn’t have to be a guessing game. If you are approaching 65, you've likely been flooded with mail, advertisements, and confusing information.

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Plans

07/05/2026

06/13/2026

Are your Medicare Supplement premiums constantly going up? You aren’t locked into paying more for the exact same coverage.

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If you are paying too much for your current plan, it’s time to see what you could be saving.

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