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Enroll on time to avoid late enrollment penaltiesMedicare Part B and Part D may add penalties to your premium payments i...
01/15/2026

Enroll on time to avoid late enrollment penalties
Medicare Part B and Part D may add penalties to your premium payments if you enroll after your IEP ends and don’t qualify for a Special Enrollment Period. If you don’t qualify for premium-free Part A, you’ll also face late penalties for Part A if you miss your IEP. Each part has its own rules for timing and for calculating the penalty.
The Part B penalty is an additional 10% of the premium amount for each full 12-month period you could have had Part B and didn’t. The penalty is charged every month for as long as you have Part B.
The Part D penalty is an additional 1% of the average Part D premium for each month you delay enrollment. The penalty amount may change each year along with annual Part D premiums. It’s charged every month for as long as you’re enrolled in Part D.
The Part A penalty is an additional 10% of the premium amount and is charged every month for twice the number of years enrollment was delayed.

Some Evenings Feel Heavier Than OthersAfter a long day, it’s not always your body that’s tired — sometimes it’s your min...
12/31/2025

Some Evenings Feel Heavier Than Others

After a long day, it’s not always your body that’s tired — sometimes it’s your mind carrying everything it didn’t get a chance to release. Work pressure, family responsibilities, unanswered messages, unfinished plans… it all piles up quietly.

You don’t need a perfect routine to feel better. Some evenings just need slower moments — a short walk outside, sitting quietly without your phone, or breathing in fresh air as the day ends. Those small pauses help your body let go of what it’s been holding all day.

If today felt heavy, that’s okay. Take a moment for yourself. You’ve earned it.

You can add additional coverage to government-sponsored Original MedicareIf you choose Original Medicare, you can add ad...
12/21/2025

You can add additional coverage to government-sponsored Original Medicare
If you choose Original Medicare, you can add additional coverage. For example, many people add a Medicare Part D plan to help with prescription drug costs. These plans are offered by private insurance companies.

🔥 Movement: The Medicine Your Body Was Built ForYour body is designed to move — not just during workouts, but throughout...
12/05/2025

🔥 Movement: The Medicine Your Body Was Built For

Your body is designed to move — not just during workouts, but throughout the day. Even a few minutes of light movement every hour can wake up your muscles, boost your circulation, and clear your mind. Sitting for long stretches slows everything down: your metabolism, your focus, your energy, even your mood.

You don’t need a gym to stay healthy. Stretch while working, take short walks, stand up and breathe deeply, or do a few body-weight moves at home. Consistent daily movement keeps your body young, your joints flexible, and your mind refreshed.

Choose a Medicare plan with benefits you needOnce you sign up for both Part A and Part B, you have to consider if you ne...
11/19/2025

Choose a Medicare plan with benefits you need
Once you sign up for both Part A and Part B, you have to consider if you need further coverage. Parts A and B only cover hospital and medical coverage, respectively. This means things like drugs and dental are not provided for.
Part D plans can provide prescription drug coverage.
Medicare Advantage plans can provide prescription drug coverage & additional benefits such as dental, vision or hearing coverage.
Identify what you need and want covered before selecting the kind of Medicare coverage you end up with.

🍎 Small Habits, Big Health ChangesGood health isn’t built in a day — it’s built in moments. The little things you do dai...
11/04/2025

🍎 Small Habits, Big Health Changes

Good health isn’t built in a day — it’s built in moments. The little things you do daily add up far more than any big effort done once in a while. A 10-minute walk after meals, choosing fruit instead of sugary snacks, drinking water before coffee, or stretching before bed — these tiny actions slowly rewire your body and mind toward wellness.

You don’t have to overhaul your lifestyle overnight. Just stay consistent with one small, healthy choice each day. Over time, those choices become your routine, and your routine becomes your health.

Find out if you’ll be enrolled in Medicare automaticallyIf you currently receive Social Security or Railroad Retirement ...
10/20/2025

Find out if you’ll be enrolled in Medicare automatically
If you currently receive Social Security or Railroad Retirement Board benefits, you’ll be automatically enrolled in Original Medicare (Parts A & B). Medicare will mail your Medicare card to you. This applies if you are eligible for Medicare due to age or disability Your coverage will go into effect on the first day of your 65th birthday month or the month of your 25th disability check.
NOTE: You will still have your IEP during which you may make other coverage choices such as getting a Part D prescription drug plan or Medicare Advantage plan.

☀️ The Healing Power of Morning SunlightA few minutes of morning sunlight is one of the simplest yet most powerful healt...
10/04/2025

☀️ The Healing Power of Morning Sunlight

A few minutes of morning sunlight is one of the simplest yet most powerful health boosters. That warm glow on your skin helps regulate your body’s internal clock, improving your sleep at night and your energy during the day. Sunlight also triggers your body to produce vitamin D — a nutrient essential for strong bones, immunity, and mood regulation.

Instead of immediately reaching for your phone, try stepping outside for 10 minutes after waking. Let your body soak in natural light, breathe deeply, and start your day grounded. Your mind, mood, and health will thank you.

You can sign up for Medicare as early as 3 months before you turn 65Medicare eligibility begins at age 65, but you can s...
09/20/2025

You can sign up for Medicare as early as 3 months before you turn 65
Medicare eligibility begins at age 65, but you can sign up earlier to make sure your coverage starts as soon as possible. You will have a 7-month Initial Enrollment Period (IEP) that starts 3 months before the month of your 65th birthday. If you sign up during the first three months of your IEP, your Medicare coverage will kick in on the first day of your 65th birthday month. If you sign up later on in your IEP your coverage could be delayed.

Occasionally track your food intakeSome people may benefit from working out how many calories they eat is by weighing th...
08/27/2025

Occasionally track your food intake
Some people may benefit from working out how many calories they eat is by weighing their food and using a nutrition tracker . Tracking can also provide insights into your protein, fiber, and micronutrient intake.
However, while tracking, may help some people manage their weight, there is also evidence it can lead to disordered eating tendencies.
Always speak with a doctor before using this strategy.

💧 Hydration: The Silent Key to EnergyYour body is more than half water, yet most people walk around quietly dehydrated e...
08/16/2025

💧 Hydration: The Silent Key to Energy

Your body is more than half water, yet most people walk around quietly dehydrated every day. Even mild dehydration can cause headaches, fatigue, dizziness, and trouble focusing — making you think you’re tired or sick when your body is simply thirsty.

Water fuels every cell, helps regulate temperature, cushions your joints, and keeps your skin glowing. Forgetting to drink is like asking your body to run on half power. Keep a bottle nearby, sip throughout the day, and listen when your body whispers for water — before it has to shout.

Nurture your social relationshipsSocial relationships — with friends, family, and loved ones you care about — are import...
07/30/2025

Nurture your social relationships
Social relationships — with friends, family, and loved ones you care about — are important not only for your mental well-being but also your physical health.

Studies show that people who have close friends and family are healthier and live much longer than those who do not.

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