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You can add additional coverage to government-sponsored Original MedicareIf you choose Original Medicare, you can add ad...
11/27/2025

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.

Enroll on time to avoid late enrollment penaltiesMedicare Part B and Part D may add penalties to your premium payments i...
11/14/2025

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.

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...
10/28/2025

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.

Consider delaying Medicare Part BYou may be able to postpone Part B  and delay paying the premium  if you have other cre...
10/13/2025

Consider delaying Medicare Part B
You may be able to postpone Part B and delay paying the premium if you have other creditable coverage. You might be working past 65 and have employer-sponsored health insurance with an employer that has 20 or more employees, for example. Or maybe you have employer-coverage from a spouse’s employer, and that employer has 20 or more employees and allows covered-dependents to delay Medicare enrollment.
Check with the plan benefits administrator before deciding to postpone your Part B enrollment. You need to confirm that you have creditable coverage, ask for written proof (especially for your drug coverage) to ensure you can qualify for a Special Enrollment Period.

☀️ The Healing Power of Morning SunlightA few minutes of morning sunlight is one of the simplest yet most powerful healt...
10/02/2025

☀️ 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.

Find out if you’ll be enrolled in Medicare automaticallyIf you currently receive Social Security or Railroad Retirement ...
09/17/2025

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.

You can sign up for Medicare as early as 3 months before you turn 65Medicare eligibility begins at age 65, but you can s...
09/07/2025

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.

💧 Hydration: The Silent Key to EnergyYour body is more than half water, yet most people walk around quietly dehydrated e...
08/20/2025

💧 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.

Avoid restrictive dietsDiets are generally ineffective and rarely work well long term. In fact, past dieting is one of t...
08/04/2025

Avoid restrictive diets
Diets are generally ineffective and rarely work well long term. In fact, past dieting is one of the strongest predictors for future weight gain.
This is because overly restrictive diets actually lower your metabolic rate, or the amount of calories you burn, making it more difficult to lose weight. At the same time, they also cause alterations to your hunger and satiety hormones, which make you hungrier and may cause strong food cravings for foods high in fat, calories, and suga.
All of this is a recipe for rebound weight gain, or “yoyo” dieting.
Instead of dieting, try adopting a healthier lifestyle. Focus on nourishing your body instead of depriving it.
Weight loss should follow as you transition to whole, nutritious foods — which are naturally more filling while containing fewer calories than processed foods .

Get rid of excess belly fatExcessive abdominal fat, or visceral fat, is a uniquely harmful type of fat distribution that...
07/27/2025

Get rid of excess belly fat
Excessive abdominal fat, or visceral fat, is a uniquely harmful type of fat distribution that is linked to an increased risk of cardiometabolic diseases like type 2 diabetes and heart disease .
For this reason, your waist size and waist-to-hip ratio may be much stronger markers of health than your weight.
Reducing refined carbs, eating more protein and fiber, and reducing stress (which can reduce cortisol, a stress hormone that triggers abdominal fat deposition) are all strategies that may help you get rid of belly fat .

Occasionally track your food intakeSome people may benefit from working out how many calories they eat is by weighing th...
07/18/2025

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.

Nurture your social relationshipsSocial relationships  with friends, family, and loved ones you care about  are importan...
06/30/2025

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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