Beavers Insurance Group

Prescription Drug Formularies Change: Medicare drug plans can change their covered medications and costs each year. Reviewing your plan during the Annual Enrollment Period can help ensure your prescriptions remain affordable.

Medicare and Travel: If you travel frequently, it's important to understand how your Medicare coverage works away from home. Some plans may offer more flexibility and broader access to care than others.

Medicare Is Not One-Size-Fits-All: The best Medicare plan for one person may not be the best plan for another. Your doctors, prescriptions, budget, and lifestyle all play a role in choosing the right coverage.

“Summer means happy times and good sunshine.”

In-network Coinsurance is your share (for example, 20%) of the allowed amount for covered health care services. Your share is usually lower for in-network covered services.

Medigap Fast Fact: It’s Medicare Supplement Insurance sold by private insurance companies to fill “gaps” in Original Medicare coverage.

Fast fact: When they say your formulary they mean a list of prescription drugs covered by a prescription drug plan or another insurance plan offering prescription drug benefits. Also called a drug list.

COBRA stand for Consolidated Omnibus Budget Reconciliation Act. It's a law that protects you and your family if you lose your employer-sponsored health benefits. If you qualify for COBRA coverage, then you have the option of continuing your employer-sponsored health plan for a limited period of time.

Tips For Better Sleep: Avoid all screens for at least an hour before bed. The blue light emitted by TVs, tablets, phones, and computers trigger wakefulness and suppress hormones such as melatonin that make you sleepy.