RZM Insurance Advisory
Medicare Certified Broker My business is focused on serving the senior community to educate and guide individuals with Medicare options.
My professional career as an employee benefits consultant and having worked for major insurance companies and global consulting firms has provided me with the insurance expertise to educate and advise in this area.
05/03/2026
Medicare portal database exposed Social Security numbers: Reports The Centers for Medicare and Medicaid Services (CMS) unintentionally published Social Security data for at least 100 health providers, according to multiple outlets. The department took down …
08/04/2025
05/14/2025
On May 12, 2025 President Trump signed an executive order setting a 30-day deadline for drugmakers to lower prescription drug costs.
Link to summary:
Delivering Most-Favored-Nation Prescription Drug Pricing to American Patients By the authority vested in me as President by the Constitution and the laws of the United States of America, it is hereby ordered: Section 1. Purpose.
January is the month that folks are usually hit hard with new prescription drug deductibles; particularly if you have a chronic condition and are taking expensive medications.
If you are on a Medicare Part D Prescription Drug Plan or covered under a Medicare Advantage Plan with Part D benefits, you may want to consider signing up for the new payment program signed into law effective January 1, 2025.
Check out the Medicare.gov website for details. You'll need to contact your Medicare Advantage or Part D insurance company. They can enroll you by phone and set up monthly "installments" by spreading out the cost of your medications over 12 months. They then bill you versus paying for your prescription at the drug store. Your insurer will provide more details.
Happy New Year!
Did you know that Medicare coverage for telehealth services have changed effective January 1, 2025? They have... Prior to January 1st, you could get telehealth services at any location in the U.S. including your home. Starting January 1, 2025, you must be in an office or medical facility located in a rural area (in the U.S.) for most telehealth services. But you can still get certain Medicare telehealth services without being in a rural health care setting, including:
Monthly end stage renal disease (ESRD) visits for dialysis
Services for diagnosis, evaluation, or treatment of symptoms of an acute stroke wherever you are, including a mobile stroke unit
Services for the diagnosis, evaluation, or treatment of a mental and/or behavioral health disorder (including substance use disorder) in your home.
Be sure to check your specific coverage as some Medicare Advantage plans and certain providers in Original Medicare may offer "more" telehealth benefits than the basic coverage in Original Medicare.
11/13/2024
Excellent read regarding Medicare Advantage plans and why they’re not for everyone. My recommendation is to make sure you’re working with someone who’ll treat your needs as the number 1 priority.
The Sickest Patients Are Fleeing Private Medicare Plans—Costing Taxpayers Billions Medicare Advantage patients in the last year of life were far more likely to switch to traditional Medicare, shifting costs from insurers.
11/12/2024
https://www.cbsnews.com/news/medicare-part-b-premium-2025-social-security/
Seniors will pay more for Medicare in 2025. Here's what to know. Medicare's Part B monthly premium is outpacing both inflation and Social Security's cost-of-living adjustment.
If you are on Medicare or approaching Medicare eligibility, you probably know this is the annual election period (AEP) that runs to December 7th. And the time where Medicare sales callers are never ending.
Before you make your decisions, make sure you are educated on both Medicare Advantage and Medicare Supplement plans. Some of your decisions may be lifetime ones and you don't want to make a mistake.
10/17/2024
Be prepared for 2025
5 Big Changes to Medicare Part D for 2025 (And What to Do About Them)
5 Big Changes to Medicare Part D for 2025 (And What to Do About Them) If you have Medicare, you know that the Annual Notice of Change (ANOC) you receive every fall describing upcoming changes to your Part D prescription drug plan isn’t usually scintillating reading. But this year’s ANOC might be more action packed than most — there could be big coverage changes ...
10/15/2024
Excellent article regarding Medicare changes.
Medicare Plans Are Making Big Changes for 2025. Here’s How to Navigate Them. An estimated five million people will either have to get a new Medicare health plan or Part D drug plan as a result of the shifts.
What can you do during the Annual Election Period (AEP) for Medicare?
The AEP pertains to Medicare beneficiaries looking to change their current coverage. It takes place every year from October 15th to December 7th. AEP allows you to make the following changes to the way you receive your Medicare benefits:
1. Change from a Medicare Advantage plan back to Original Medicare.
2. Change from Original Medicare to a Medicare Advantage plan.
3. Switch from one Medicare Advantage plan to another Medicare Advantage plan.
4. Join, drop or switch a Medicare Part D (prescription drug) plan.
Each option should be carefully evaluated before making a change. Contact me if you have questions.
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