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Comparing Medicare vs Employer Insurance: What’s the Better Option? For years, your employer’s health plan has been a given. You’ve paid your premiums, chosen from the network, and handled co-pays without a second thought. However, as your 65th birthday approaches, a new question takes center stage: Should you stick with employer coverage or switch to … Read more

Understanding the Different Types of Medicare Advantage Plans If you’re just getting started with Medicare, you might feel a little (or very) overwhelmed by the number of plans available. This is particularly true when it comes to Medicare Advantage plans, which are administered by private insurers rather than the federal government. Don’t worry: we understand. … Read more

Calendar Year Deductible vs. Plan Year Deductible If you’ve ever looked at your Medicare or health insurance plan and wondered, “When does my deductible reset?”, we don’t blame you! These dates can be confusing. First of all, a deductible is the amount you pay out of pocket for covered health care services before your plan … Read more

What Happens If You Miss Your Medicare Open Enrollment Deadline? It’s easy to miss a Medicare deadline, but what matters most is knowing what to do next. The Medicare Open Enrollment period (also called the Annual Enrollment Period) runs each year from October 15 to December 7. During this time, you can review your Medicare … Read more

Is Dental Insurance Worth It? Pros, Cons, and What to Know Is dental insurance worth it, or are you paying for coverage you may not fully use? Many seniors are surprised to learn that Medicare does not typically include routine dental coverage. In fact, a recent study from the NADP Foundation found that about 31 … Read more

Medicare and Employer Group Coverage What Nevada Workers Need to Know When you turn 65 and still have employer health insurance, understanding how group Medicare fits into your coverage becomes a big part of planning ahead.  At Senior Insurance Agency, we guide Nevada residents through Medicare and employer group coverage every day. Whether you work … Read more

Why the Scope of Appointment Form Is Required for Medicare Appointments Have you been in this situation before? You call to review your Medicare options, and you’re ready to talk through your coverage. Maybe you’ll compare some different plans in an effort to gain more clarity.   Then, the agent says, “Before we begin, I’ll need … Read more

Medicare Advantage Special Needs Plans (SNPs)  Some Medicare members need coverage that goes beyond the basics. Medicare Advantage Special Needs Plans do exactly that by offering added support for people with certain health conditions, financial limitations, or care needs.  If you qualify, you may find these plans easier to manage and more helpful than a … Read more

Medicare Changes Coming in 2026: Costs, Coverage, and Enrollment If you’re enrolled in Medicare or planning to enroll soon, 2026 is bringing a new round of updates that could affect what you pay, what’s covered, and how you choose your plan. But don’t worry! This guide is designed to help you understand what’s changing.  For … Read more

When Should I Apply for Medicare in Nevada? Knowing when to apply for Medicare can make the transition into retirement feel much smoother. Appropriate timing helps you sidestep late fees, skip coverage delays, and avoid the stress that comes from guessing your next move.  If you’re turning 65 or planning ahead in Nevada, you’re probably … Read more