Stay Informed
What's New
Insurance rules change. Medicare updates every year. New plans come in; old ones shift. This is where Harry shares what's actually affecting clients right now — Medicare Annual Notice of Change summaries, regulatory updates, coverage tips, and plain-English breakdowns of the things that matter to your health and your wallet. No fluff, no sales pitch — just the updates worth knowing.
Insurance Updates & Tips
Articles on Medicare changes, coverage decisions, and what's worth knowing — from Harry, straight to you.
Medicare
Medicare Annual Notice of Change: What to Watch For Every Fall
October 2024
Every fall, Medicare plan holders receive an Annual Notice of Change. This article explains what the ANOC is, which plan changes matter most, and what to do if your costs or coverage have shifted for the coming year.
Medicare
Medicare Advantage vs. Medicare Supplement: Which Is Right for You?
September 2024
Most people approaching Medicare eligibility face the same big question: Advantage or Supplement? This plain-English side-by-side comparison breaks down the costs, flexibility, and tradeoffs of each path so you can decide what fits your life.
Medicare
Turning 65? Here's Your Medicare Timeline
August 2024
Medicare enrollment has strict windows — miss them and you could face lifelong penalties. This month-by-month checklist walks you through exactly what to do and when, starting six months before your 65th birthday.
Medicare
What Part D Actually Covers (And What It Doesn't)
July 2024
Medicare Part D pays for prescription drugs — but the coverage gaps, formularies, and cost tiers trip up a lot of people. Here's a plain-English breakdown of what Part D actually covers, what falls through the cracks, and how to compare plans before you enroll.
Supplemental
Do You Need Supplemental Insurance? An Honest Look
June 2024
Cancer, critical illness, accident — supplemental policies fill gaps your primary coverage doesn't. But not everyone needs them. This honest look explains who actually benefits from supplemental insurance and how to decide if it belongs in your plan.
Individual Health
Individual Health Insurance: What Changed for Open Enrollment
May 2024
ACA marketplace plans update every year — and the changes can affect your premiums, your subsidies, and which networks are available to you. Here's what's different this open enrollment and what to check before you sign up or renew.
Read Something That Applies to You?
Every update Harry posts here is meant to help real people make better decisions. If something you read connects to your situation — whether it's a Medicare change, a plan you're reconsidering, or a question you've had for a while — reach out. A free conversation with Harry costs nothing and almost always saves you something.
No cost. No obligation. Just honest answers.