Every year, between October 15 and December 7, Medicare gives you a chance to review your coverage and make changes if needed. This time frame is called the Annual Election Period (AEP), and the choices you make will take effect on January 1.

For many people, this season feels overwhelming. You receive a lot of mailers, TV commercials, and phone calls. But here's the truth, AEP doesn't have to be stressful. With a little preparation (and some local guidance), you can walk into the new year confident that your coverage still fits your needs.

Medicare can feel like a puzzle, and one of the most confusing pieces for many people is the idea of Part B Excess Charges. These charges don't come up often, but when they do, they can leave you with an unexpected bill. The good news is with the right understanding and planning, you can avoid them altogether. Let's break down what Part B Excess Charges are, when they apply, and how you can protect yourself.

Medicare and Long-Term Care: Home Health Care, Skilled Nursing, and Assisted Living Explained
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When health needs change, one of the biggest questions Medicare beneficiaries and their families face is: “What kind of care will Medicare cover, and what will I have to pay for myself?”
It’s a complicated question—especially when trying to understand the differences between home health care, skilled nursing facilities, and assisted living. These three types of care are often grouped together, but Medicare treats them very differently.
Understanding what is and isn’t covered can help you prepare, avoid surprises, and make the best choices for your health and finances.