JLSMITH EDUCATION CENTER

Taking the guesswork out of your plan!

TURNING 65 GUIDE

Understanding Your Situation
Oftentimes clients tell us that they just get inundated with information from all over the place about their senior benefits and what they have coverage for. However, what most of our clients tell us that they were really concerned about what is NOT covered by their benefits.

June 11, 2017

What’s the Part D late enrollment penalty? The late enrollment penalty is an amount that may be added to a person’s monthly Part D premium.

A person enrolled in a Medicare drug plan may owe a late enrollment penalty if he or she goes without Part D or creditable prescri...

June 11, 2017

Higher-income Medicare beneficiaries enrolled in Part D prescription drug plans are also required to pay higher Part D premiums as a result of changes made in the 2010 Affordable Care Act. 

In the years after the Medicare Part D benefit was implemented in 2006, but prio...

June 11, 2017

Trying to understanding Medicare Part D plans can be confusing.


If the plan has a deductible, the Medicare beneficiary must pay full price for their drugs until the deductible amount is met and coverage kicks in. “Full price” means the price their plan has negotiated w...

June 11, 2017

Here is how a Medicare beneficiary can get prescription drug coverage. Medicare offers prescription drug coverage to everyone with Medicare. If they decide not to get Medicare drug coverage when they are first eligible, they will likely pay a late enrollment penalty un...

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Participating and Non-Participating Medical Providers

June 11, 2017

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This website is a private website and is not associated, endorsed or authorized by the Center for Medicare and Medicaid Services, nor do we claim to be. This site contains basic information about Medicare Supplement insurance for people with Medicare. If you would like to find more information about the Medigap program, please visit the Official US Government Site located at www.medicare.gov.