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Medicare & You 2026 – Significant Changes on the Way

Posted on Friday, 31st October 2025 by Dennis Damp

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This guide is worth the time and effort to review and learn about your exceptional Medicare benefits. From signing up, what Medicare covers, the various plan options to consider, and how to get help paying for your healthcare drug costs, to your rights and protections. Every year, Medicare sends out its “Medicare & You” pamphlet […]

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Prescription Drug Costs – Major Price Cuts Coming

Posted on Friday, 17th October 2025 by Dennis Damp

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The President recently announced three agreements with Pfizer, AstraZeneca, and EMD Serono to reduce American drug prices dramatically. These prices are in line with the lowest prescription drug prices in other developed nations (known as the most-favored-nation, or MFN, price). EMD Serono’s cost reductions for its fertility drugs will result in substantial savings on fertility […]

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FEHB & PSHB Open Season – Higher Premiums Heading Our Way!

Posted on Friday, 29th August 2025 by Dennis Damp

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Over the past three years our health care premiums have increased an average of 29.9%! If this trend continues, many will be seeking lower cost coverage among the FEHB/PSHB providers. The 2025 Open Season runs from November 10, 2025, through December 8, 2025. Federal and Postal employees are able to evaluate their health, dental or […]

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Social Security Tax Relief for Millions of Senior Citizens

Posted on Friday, 4th July 2025 by Dennis Damp

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The reconciliation bill HR-1, passed by Congress and signed by the President on Independence Day, ensures that nearly 90% of Social Security beneficiaries will no longer pay federal income taxes on their benefits. This bill provides meaningful and immediate relief to millions of seniors. Social Security Commissioner Frank Bisignano recently stated, “This is a historic […]

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FEHB / PSHB Open Season Online – Access & What it Offers

Posted on Friday, 22nd November 2024 by Dennis Damp

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The healthcare open season can be overwhelming. There are many choices to consider, and you must use Login.gov to sign in to OPM’s Open Season Online. Once you enter the site, retirees and survivors can change plans, print out a copy of your Open Season Health Care Guide, or request hard copies of plan brochures […]

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IRMAAs and the Open Season Connection – Proceed with Caution

Posted on Friday, 15th November 2024 by Dennis Damp

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If your income has or will increase due to Required Minimum Distributions (RMDs) or accrued interest, dividends, and capital gains from your cash and investments, review the Part B and D IRMAA premiums listed below. Income-Required Monthly Adjustment Amounts (IRMAAs) make Medicare Advantage Plans less attractive, even though they provide Part B subsidies. The Centers […]

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2025 FEHB & PSHB Healthcare Plan Selection Guide

Posted on Friday, 8th November 2024 by Dennis Damp

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Please forward this article to others who can use this “Open Season” information. Open season starts on the 11th of November, this coming Monday. Tools are available to evaluate provider options, select your 2025 plan, and submit changes to OPM. Use this guide to walk you through the process and follow the links for additional […]

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Medicare Advantage Plan Primer – What You Need to Know

Posted on Saturday, 2nd November 2024 by Dennis Damp

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I receive many questions about MA options; few know what to expect or who pays for what. Hopefully, this article will answer many of your questions and provide insight into coverage issues that may arise in certain areas. Follow the links to learn more about subjects of interest. This article covers both the Federal Employee’s […]

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