CAP Insurance Services

Medicare Tip: If you qualify for Extra Help or other savings programs, you could reduce your Medicare costs significantly.

Quick Reminder: IRMAA doesn't affect everyone. It only applies to Medicare beneficiaries whose income exceeds certain thresholds, so understanding how your income impacts your Medicare premiums can help you avoid surprises.

Summer Wellness 101: Check Your Medications: Some medications can make you more sensitive to heat or increase the risk of dehydration. Ask your doctor or pharmacist if you need to take extra precautions during hot weather.

Original Medicare generally pays about 80% of approved medical expenses, while a Medicare Supplement plan helps cover many of the remaining costs, reducing unexpected out-of-pocket expenses.