Blog

Man on couch, talking on phone, looking at tablet, documents on table, indoor setting.
By Pilichowski Insurance March 26, 2026
Learn how Medicare’s WISeR Model pilot may affect prior authorization and coverage in six states, and what it means for Original Medicare beneficiaries.
Person offering medication to someone sitting in bed. Nightstand with cup, blanket, and pillows visible.
By Pilichowski Insurance March 19, 2026
Medicare extended Hospital-at-Home through Sept. 30, 2030 and telehealth flexibilities through Dec. 31, 2027. See what it means for patients.
Tax forms with a sticky note that reads
By Pilichowski Insurance March 12, 2026
Learn how IRMAA affects your 2026 Medicare Part B and Part D premiums, 2024 income thresholds, tax strategies to reduce surcharges, and how to file an appeal if your income drops.
Woman in denim jacket looks at papers, laptop visible, wooden backdrop.
By Pilichowski Insurance March 6, 2026
Have an ACA Marketplace plan? Learn how Form 1095-A, premium tax credit reconciliation, and life changes affect your tax return, and how to avoid costly repayment surprises.
Man in hospital gown sits on bed, looking somber in a hospital room.
By Tonya Pilichowski February 23, 2026
See how a High Deductible Health Plan works during a real medical crisis—and what one cancer scare cost out of pocket.
Couple reviewing financial documents and tablet at a table in a home setting.
By Tonya Pilichowski February 16, 2026
Learn the most common retirement planning mistakes—from starting too late to underestimating healthcare costs—and how to avoid them.
Doctors reviewing medical chart with patient in hospital bed.
By Tonya Pilichowski February 9, 2026
Medicare hospital coverage has limits. Learn how Medigap plans help cover extended hospital stays and reduce out-of-pocket costs.
Doctor holding a red heart, smiling. Stethoscope around neck, wearing a lab coat.
By Tonya Pilichowski February 2, 2026
February is American Heart Month. Learn simple, preventive steps to support heart health and understand how insurance benefits can help.
Graduation celebration: Students in black gowns toss caps into the air. Orange and black tassels are visible.
By Tonya Pilichowski January 30, 2026
Discover how permanent life insurance builds cash value you can use for emergencies, retirement income, long-term care, and legacy planning—while providing lifelong protection.
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