Everything Senior Insurance

09/04/2026

Medicare scams are getting harder to spot. Do you know the warning signs?

In this video, Kari from Everything Senior Insurance breaks down 5 common Medicare scams to watch for during Open Enrollment and the tactics scammers may use to get your personal information.

From fake Medicare calls and “free” medical equipment to promises of extra benefits, knowing what to look for can help you protect yourself and the people you care about.

Remember three simple words:

Stop. Verify. Decide.

If something feels suspicious, don't let someone pressure you into making a quick decision.

Have you received a suspicious Medicare call, text, or offer? Leave a comment below and tell us what happened.

And please share this video with a parent, grandparent, friend, or neighbor who could benefit from knowing these warning signs.

If you’d like to work with us on your Medicare health plan, we’re l...

09/03/2026

Medicare Open Enrollment is coming. Unfortunately, so are the scams.

During this time of year, Medicare beneficiaries often see more phone calls, texts, emails, and advertisements about their coverage.

Most may simply be marketing.

But some could be people trying to get your personal information or convince you to make a change you don't fully understand.

A few warning signs should make you slow down.

Someone calls unexpectedly and asks for your Medicare number, Social Security number, or banking information.

They tell you that you have to act “right now” or you'll lose your Medicare benefits.

They claim they're calling “from Medicare” and need personal information to issue you a new card.

Or they promise benefits that sound too good to be true without clearly explaining the plan, costs, or restrictions.

Here's the important part:

You do not have to make a Medicare decision because someone on the phone is pressuring you.

Take your time.

Don't give personal information to an unexpected caller.

And before changing your coverage, make sure you understand exactly what you're enrolling in and how it could affect your doctors, prescriptions, and costs.

Open Enrollment should be an opportunity to review your coverage, not a reason to feel pressured into changing it.

Not sure whether a Medicare call, letter, or offer you've received is legitimate? Leave your questions in the comments. We'll help you understand what to look for.

09/01/2026

Think Medicare covers a free physical every year? You might be surprised by what it actually covers.

One of the easiest Medicare benefits to misunderstand is the Annual Wellness Visit.

It sounds like an annual physical, but they're not necessarily the same thing.

A Medicare Annual Wellness Visit is mainly about prevention and planning. Your provider may review your medications, health history, potential health risks, and preventive services you may need.

A traditional physical can include additional exams or services that may not be included in your Medicare wellness visit.

That difference matters because you don't want to walk into an appointment expecting everything to be covered and walk out with an unexpected bill.

Before your appointment, ask:

“Is this my Medicare Annual Wellness Visit, and will anything you're doing today cost me extra?”

It's a simple question, but it can save you from a lot of confusion.

Have a Medicare question you've been afraid to ask because it seems too basic? Leave it in the comments. There are no bad Medicare questions, and chances are someone else is wondering the exact same thing.

08/31/2026

🚨 Think you know Medicare? Some of the most common things people believe about it simply aren’t true.

In this video, Ina discusses 7 common Medicare myths, including whether Medicare is really free, what it does and doesn’t cover, when you need to enroll, how Medicare works for spouses, and why your coverage should be based on your individual needs, not someone else’s plan.

💬 Have a Medicare question or something you’ve heard that you’re not sure is true? Drop it in the comments below 👇 and we may answer it in an upcoming video!

If you’d like to work with us on your Medicare health plan, we’re l...

08/28/2026

Medicare Advantage sounds like an upgrade on Original Medicare. In some cases, it genuinely is. But the name does a lot of heavy lifting that the plan itself doesn't always deliver.

Here's what often gets left out of the conversation: Medicare Advantage plans are run by private insurance companies, and those companies build networks. That means your access to doctors, specialists, and hospitals depends on who's in that network, and that network can change from one year to the next. A specialist who was covered when you enrolled may not be covered twelve months later. The plan doesn't call you when that happens.

There's also the structure of costs to understand. Most Advantage plans advertise low or zero monthly premiums, which is genuinely appealing. What they don't lead with is that you'll typically pay co-pays and co-insurance each time you use care, and there's usually a maximum out-of-pocket limit that can run into the thousands before the plan picks up 100%.

That's not a knock on Medicare Advantage. For people who don't use a lot of medical care and want to keep their monthly costs predictable, it can be a solid fit. But it's a different model than Original Medicare paired with a Supplement plan, and the differences matter depending on how you use your coverage.

The question worth sitting with before you pick a plan: are you choosing based on what the plan costs per month, or based on what it would actually cost you in a year you need care?

Drop your answer in the comments. It's a useful thing to think through out loud.

08/27/2026

What happens when your Medicare Advantage plan covers the medical care, but you're still left with unexpected costs?

In this video, Ericka from Everything Senior Insurance explains how hospital indemnity and short-term care coverage may help with some of the financial gaps that can come with a hospital stay and recovery.

From hospital copays to needing extra help while you recover, understanding these costs ahead of time can help you be better prepared.

Have questions about what your Medicare Advantage plan may leave you responsible for?

Leave your questions in the comments below, and let's talk about it.

If you’d like to work with us on your Medicare health plan, we’re l...

08/26/2026

Medicare Advantage Is Changing A Lot! Here Is Why (The Everything Medicare Podcast EP 340)

08/25/2026

And if you’re in Medicare, these changes aren’t something you want to ignore.

In the newest episode of The Everything Medicare Podcast, we break down what’s happening with Medicare Advantage, why the market is shifting, and most importantly, what it could mean for YOU.

No confusing insurance jargon. No fear tactics. Just straight talk and clear answers so you can make better Medicare decisions.

🎙️ New Episode: Medicare Advantage Is Changing A Lot! Here Is Why

👉 Watch the newest episode and make sure you’re prepared for what’s coming.

08/25/2026

Turning 65 doesn't automatically enroll everyone in Medicare, and getting the timing wrong can cost you.

That's one thing many people don't realize until their 65th birthday is already getting close.

Instead of clear instructions, you're suddenly getting Medicare mail, insurance advertisements, and advice from friends and family telling you what you “should” do.

Then comes the question we hear all the time:

“Wait…there's actually a deadline to enroll?”

For most people, your Initial Enrollment Period lasts seven months.

It begins three months before the month you turn 65, includes your birthday month, and continues for three months afterward.

But here's where it gets important.

You shouldn't assume that simply because the enrollment window lasts seven months, it doesn't matter when you sign up.

Your enrollment timing can affect when your Medicare coverage begins, and your individual situation can affect whether you should enroll at 65 at all.

For example, some people who are still working and have qualifying employer coverage may be able to delay Medicare without facing the same consequences.

That's why the best time to start understanding Medicare isn't your 65th birthday.

It's before you get there.

Give yourself enough time to understand your enrollment window, current insurance, and the decisions you'll need to make.

You don't need to become a Medicare expert.

You just need to know the right questions to ask before the deadlines start approaching.

If you're turning 65 soon, tell us in the comments: What's the ONE Medicare question you can't seem to get a straight answer to?

Drop it below 👇👇. We'll help make it easier to understand

08/24/2026

Turning 65 and wondering if Medicare will automatically start for you?

For some people, it does. For others, you’ll need to sign up yourself.

If you’re already receiving Social Security benefits, you may be automatically enrolled in Medicare Parts A and B. If you’re not, you may need to take action to make sure you’re covered when you need to be.

The good news is enrolling online can be easier than you think.

In this video, Kari shows you how to enroll in Medicare online, step by step, so you can feel confident about what to do next.

If you’d like to work with us on your Medicare health plan, we’re l...