Medicare Writing for Denver and the Front Range

• Enrollment6 min read

  Your December 7 to-do list before Open Enrollment closes

  Open Enrollment ends December 7. Here's the fast review that catches the real money: your Annual Notice of Change, your drug list, and next year's network.

• Plan types7 min read

  HMO vs. PPO: what it actually means at Presbyterian/St. Luke's and Rose

  Whether your specialist visit gets covered comes down to network rules. Here's how HMO and PPO Advantage plans play out against Denver's two biggest hospital systems.

• Prescriptions5 min read

  The lowest-premium Part D plan is often the costliest one

  Premium tells you almost nothing about a drug plan's real price. Tiers, formularies and preferred pharmacies drive what you pay all year.

• Medigap6 min read

  Plan G or Plan N: where the real savings show up

  Medigap benefits are standardized by law, so it comes down to premium versus copays. We break down the math the same way we do for clients.

• Turning 658 min read

  The 65th birthday timeline most people never get explained

  Seven months, one Medigap window, and one mistake that gets expensive fast if you're still on the job. A month-by-month walkthrough.

• Costly errors7 min read

  Seven Medicare mistakes we clean up every year

  Blown deadlines, TV-ad sign-ups, and plans nobody's reviewed in years. Most of these stick for good, and every one is avoidable.

Looking for something specific? Check the Medicare FAQs or the enrollment checklist.