Understanding the Medicare Prescription Drug Coverage Gap

The Medicare Coverage Gap or the “donut hole” is an important and often confusing term that you need to understand if you have a Medicare Prescription Drug Plan (PDP). If a person enters the Coverage Gap, the cost of their medications may increase. We have listed some important points to help you understand the Medicare… Read more »

Blue Cross Blue Shield Rate Changes for Medicare Supplements

You have probably received a letter from Blue Cross Blue Shield of North Carolina notifying you of your new Medicare supplement rate beginning June 1.  Here are a few things to look for when you receive this letter. Your rate adjustment is your yearly change due to overall claims activity within your group, or inflation If… Read more »

What is Cobra?

COBRA stands for Consolidated Omnibus Reconciliation Act. Basically, COBRA allows you and/or your family to continue receiving your employer health coverage should you lose your job. But, understanding your COBRA eligibility can be difficult. Here are a few things to keep in mind: You will have to pay the entire premium, plus an additional 2%… Read more »

What is an Explanation of Benefits (EOB)?

Medicare Supplements and EOBs If you receive a healthcare service, your provider will have to file a claim with your insurance carrier. For individuals on a Medicare supplement, your provider will file the claim with Medicare, who will then approve or deny the charges. If Medicare approves this claim, the remaining balance will be forwarded… Read more »

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