Reviewed October 13, 2026. An OTC card is a prepaid benefit card that some Medicare Advantage plans (and some Medicaid plans) load with an allowance for over-the-counter health items, such as pain relievers, vitamins and first aid supplies. You can’t apply for one on its own: you get it by enrolling in a plan that
What Is an OTC Card? Medicare OTC Cards Explained for 2027 Read More »
Reviewed October 4, 2026. To switch from Medicare Advantage to Medigap, you first leave your Medicare Advantage plan during an allowed enrollment period, such as Open Enrollment (October 15 to December 7, 2026, for coverage starting January 1, 2027), and return to Original Medicare. Buying a Medigap policy is a separate step: unless you have
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Reviewed September 17, 2026. Working after age 65 can change when you should enroll in Medicare. The answer depends on whose employment provides the coverage, whether that employment is current, the employer’s size, HSA contributions, and the date work or coverage ends. Use Medicare’s official questionnaire for an individualized starting point. Check when you can
Working Past 65: Medicare, Employer Coverage, COBRA and HSA Rules Read More »
Reviewed September 16, 2026. Use this checklist to prepare for Medicare from six months before your 65th birthday through the first month of coverage. Enrollment timing depends on whether you receive Social Security benefits, keep active-employment coverage, contribute to a Health Savings Account, or retire. Start with your exact situation. Medicare provides an official questionnaire
Turning 65 Medicare Checklist: A Month-by-Month Timeline Read More »
Reviewed October 4, 2026. Medicare Open Enrollment for 2027 coverage runs from October 15 through December 7, 2026. During this window you can join, switch or drop a Medicare Advantage plan or a Part D drug plan, or move between Original Medicare and Medicare Advantage. Any change you make takes effect on January 1, 2027,
Medicare Open Enrollment 2026: Dates, Rules and What to Review Read More »
Reviewed October 19, 2026. Fidelis Care Medicaid generally doesn’t cover chiropractic care, because New York Medicaid doesn’t include chiropractic as a covered benefit. New York asked CMS in December 2020 to add chiropractic for chronic lower back pain, but a 2026 New York Department of Health report says “the SPA process was not finalized.” If
Does Fidelis Cover Chiropractic? Medicaid and Medicare Rules Read More »
Reviewed October 3, 2026. When you become eligible for Medicare, TRICARE For Life (TFL) becomes your TRICARE coverage, but only if you have both Medicare Part A and Part B. Medicare pays first for services both programs cover, and TFL pays second, so most people owe little or nothing out of pocket for covered care.
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Reviewed October 7, 2026. Medicare Part C is the same thing as Medicare Advantage. It’s a Medicare-approved health plan from a private insurance company that you can choose instead of Original Medicare (Parts A and B) (Medicare.gov). The plan must cover everything Original Medicare covers, usually bundles in Part D drug coverage, and often adds
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Reviewed October 15, 2026. You can use your UnitedHealthcare OTC card, the UCard, at participating stores and online through the UCard Hub. UnitedHealthcare says the card works at “more than 70,000 participating retail locations nationwide,” including Walmart, Walgreens, Dollar General and Target, and you can also order eligible items on your member site or in
Where Can I Use My UnitedHealthcare OTC Card? Stores and Online (2027) Read More »
Updated October 20, 2026. Cigna no longer sells Medicare Advantage plans under its own name. The Cigna Group sold its Medicare Advantage, Medicare Part D, supplemental benefits and CareAllies businesses to Health Care Service Corporation (HCSC), and the sale closed on March 19, 2025. Those plans are now sold as HealthSpring, and for 2027 HealthSpring
Cigna Medicare Advantage Plans 2027: Now HealthSpring Read More »
