Today's Report
A new AARP report reveals that older adults with lower incomes are struggling to afford basic necessities like housing, food, and healthcare. Their expenses are growing faster than their incomes, leading many to dip into savings or incur debt.
Read the full report →Primer
Part C plans replace Original Medicare with a private, network-based bundle. Often $0 premium; trade-off is prior authorization and narrower networks.
Enrollment share: 54%
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Supplemental policies that pay Original Medicare's cost-sharing. Plan G and Plan N dominate new enrollment; underwriting rules vary by state.
Plan G avg. premium: $155/mo
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Prescription drug coverage sold through standalone PDPs or bundled into MA plans. 2025 introduced a $2,000 out-of-pocket cap.
OOP cap 2025: $2,000
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Initial Enrollment Period, Annual Election Period, MA Open Enrollment, Special Election Periods — miss a window and penalties follow you for life.
Part B late fee: 10% / yr
Navigating Medicare can feel complex, but understanding the basic structure of its different parts is a powerful tool for managing your healthcare costs effectively. Knowing how Part A, B, and D interact can help you make informed decisions.
The choices we make at the dinner table profoundly influence our journey through life. Simple, consistent efforts in nutrition can support vitality, brain health, and overall well-being as we age.
A yearly visit to your doctor is a cornerstone of good health, even when you feel well. It's a proactive step that can keep you healthy for years to come by addressing concerns before they become problems.
In Depth · Carrier Reviews
Scored on CMS Star Rating, prior-authorization denial rate, in-network provider breadth, drug formulary generosity, and appeal-overturn rates reported to CMS.
| Rank | Carrier | Star Rating | PA Denial | Overturn on Appeal | Grade |
|---|---|---|---|---|---|
| 1 | Kaiser Permanente | 4.5 | 4.8% | 82% | A |
| 2 | Humana | 4.0 | 6.9% | 78% | A− |
| 3 | UnitedHealthcare | 4.0 | 9.1% | 76% | B+ |
| 4 | Aetna (CVS Health) | 3.5 | 8.6% | 72% | B |
| 5 | Cigna Healthcare | 3.5 | 7.4% | 74% | B |
| 6 | Blue Cross Blue Shield | 3.5 | 8.2% | 70% | B |
| 7 | Elevance (Anthem) | 3.5 | 10.4% | 68% | B− |
| 8 | Centene (WellCare) | 3.0 | 12.6% | 64% | C+ |
| 9 | Molina Healthcare | 3.0 | 13.1% | 61% | C |
| 10 | Devoted Health | 3.5 | 9.8% | 69% | B− |