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This year many agents are wondering what to do about lost PDP commissions. We are offering a few solutions to help supplement the loss of commissions. Please note there are still many opportunities to earn income in the field of Medicare sales.

The first thing you need to remember is that clients rely on your assistance to find the best plan options each year. Stay with us for a few suggestions to help raise your income.

Look at your client’s current PDP plan

Although your client’s current PDP plan may not be commissionable, it may still be the best option for them. Remember they have other plans with you, and you must make sure they know they can rely on your guidance. When clients see that you are willing to help them without a commission, it may lead to increased trust and a boost to your reputation. This can even lead to more client referrals in the long run.

Although we understand this will not pay your bills, if you do not want to provide assistance, someone else might. A smart agent knows, there are plenty of opportunities to assist clients with other commissionable products.

Watch a quick video on the prescription payment program

It is also important to know; some carriers are still paying commissions on PDP sales. Be sure you are contracted with a variety of carriers and plans in your service area. The best choice for the client may be a commissionable plan and, in that case, it’s a win for you both.

Click here to add carriers to your current Crowe contract or start a new contract request

Look at making a Medicare Supplement plan change

As you know, clients who are enrolled in a standalone PDP plan are usually enrolled in a Medicare Supplement plan. Many clients do not think about changing their Medicare Supplement coverage. The plan just renews each year and goes unnoticed.

In some instances, the Medicare Supplement plan carrier may have raised the plan cost over the year, and clients may not realize it. This provides an opportunity to find them a savings opportunity with the same coverage at a better rate from a competitive carrier. Keep in mind, some states may require underwriting to make a Medicare Supplement change. If you are lucky enough to be selling in a GI state, changing plans is as easy as writing an app.

A MAPD plan could be an option

Clients may want to give a Medicare Advantage plan a try. For some enrollees, this a great way to save money and still receive the protection of comprehensive medical coverage. MAPD plans are a very popular choice and can add to your bottom line. MAPD plans pay a generous commission rate for both new and renewal business.

Click here to learn about 2025 Medicare commissions

If you offer PDP plans, you already need to complete your AHIP, so there’s no reason not to add MAPD plans to your business.

Having a variety of product offerings help protect your income stream and gives clients a greater choice of coverage options.

Offer other needs-based products

Before you meet with each client, you should conduct a thorough needs-based assessment. This often leads to cross-selling opportunities. Clients may want to purchase insurance that fills a specific coverage gap. If you plan to discuss these coverage options, be sure your SOA includes ancillary products. In some cases, you may need to collect an additional SOA and make a subsequent appointment.

Ancillary products such as dental, vision, hospital indemnity, critical illness, cancer, heart attack and stroke or even long- and short-term care or life insurance are a few options. These products can provide necessary coverage for your clients and a supplement to your income as well. These products can more than make up for lost PDP commissions.

Learn more about why you should add ancillary products

For many agents, this year has been a bit frustrating and that is putting it mildly. The 2025 Medicare commissions have been the topic of many conversations. The commission amounts were up in the air for several months before the lawsuits that caused a federal judge to put a stay on a portion of the Medicare Final Rule that directly affects agent commission. As a result of the lawsuits, CMS issued some updates to 2025 Medicare Advantage and Part D broker commissions on July 18, 2024. The new amounts supersede those originally reported by CMS for 2025.

Medicare commission final update – YouTube Video

Important:

The additional administrative fee amounts of $100 for initial enrollments and $50 for renewals of both PDP and MA/MAPD Plans is no longer applicable. In other words, the additional money will not be added to commissions for 2025.

If the judge approves CMS Final rule at some point, the commission rates may increase by $100 for initial enrollments and $50 for renewals. This will be used as a one-time administrative fee to offset the loss of carrier marketing funds.

Although the increase we talked about in the previous paragraph will not be put in place, CMS has approved commission increases for both MA and PDP plan sales. This is due to a FMV (Fair Market Value) increase.

2025 Medicare Advantage commissions

Please keep in mind; the commission rates are not all the same and vary state to state.

In the states of CA and NJ, there will be an increase for initial commissions from $762 per member to $780 per member for 2025.  Renewal commissions for CA and NJ are going from $381 per member to $390 per member for 2025. 

For CT, DC and PA initial commissions will go from $689 per member for the first year to $705 per member.  Renewal commissions for CT, DC and PA will increase from $345 per member annually to $353 per member in 2025.

Puerto Rico as well as the U.S. Virgin Islands initial MA commissions will go from $418 per member annually to $428 per member for 2025.  The renewal commissions have increased from $209 a member for the year to $214 per member for the year.

For any state not listed above, initial MA commission amounts have increased from $611 per member annually to $626 per member for 2025. The commission rates for renewals have increased from $306 per member annually to $313 per member for 2025.

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PDP commissions for 2025:

In the case of PDP commissions, commission rates are the same in all states.

Initial commission rates for PDP plans have risen from $100 per member per year to $109 per member per year.  Commissions for PDP plan renewals have also increased from $50 per member each year to $55 per member each year.

Medicare Advantage Commissions 2025

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Medicare scope of appointment rules

The Medicare SOA rules 2025 are put in place by CMS.  The SOA (scope of appointment) is a form clients/potential clients as well as agents must complete before meeting to discuss Medicare plans. The SOA is mandatory when discussing either Medicare Advantage or PDP plans. It is always a good idea to collect a SOA before client meetings to protect both agents and clients.

Watch a quick video on the scope of appointment rules for 2024

Verbal scope of appointment

During the pandemic, agents did not host in-person meetings to discuss coverage options.  At that time, many appointments took place over the phone.  That led to the use of recorded, verbal SOAs. 

Watch a video on Connecture & Sunfire updates for 2025

Both Connecture and Sunfire offer easy ways to collect client intake forms and include SOAs.

View the RetireFlo intake demo for Connecture 

Take a look at the BlazeSync intake form on Sunfire

SOA information

• If the client calls the agent (inbound call), the 48-hour rule does not apply.
• The scope is good for 12 months from the date it is signed.  You must complete the appointment within that time or obtain a new scope. The scope is still good if the call drops and the same agent calls the client back.
• If additional benefits are added to the discussion, a new scope is necessary.

How long is an SOA good

A scope of appointment is good for 12 months from the signature date. During the appointment, it is important to discuss only products that were agreed to and included in the scope.  If additional products are added, the beneficiary needs to sign a new scope.

If the client needs to sign a new SOA,  this restarts the 48-hour waiting period and may move your meeting date further out.  This rule applies to any product regulated by CMS.

Click here for a generic SOA

CMS guidelines

In order to be complaint with CMS, agents need to have their clients complete a SOA form. The CMS final rule went into effect September 30. 2023 and added changes to how agents collect an SOA.

The SOA rules apply to agents and brokers who discuss Medicare coverage options and plans.  The 48-hour rule was put in place so beneficiaries could avoid the high-pressure sales tactics some agents use.  The 48-hour period provides beneficiaries time to consult friends, relatives or anyone they like to research their options. This time also provides agents time to prepare for the discussion.

Agents are able to contact the beneficiary once the SOA is completed for up to 12 months. It is essentially permission to contact until the meeting takes place.  The beneficiary has the option to opt out annually.

Please note, if the beneficiary does not select a coverage option on the SOA, Medicare requires the agent to avoid discussing that option without a new SOA where the option is clearly selected.

Exceptions to the 48-hour rule

If the beneficiary is in the last four days of a valid election period, agents may collect a same-day SOA.

When the beneficiary walks into your office and initiates a conversation about coverage options, agents can take a same-day SOA.  This same rule applies to inbound call initiated by the beneficiary to the agent requesting advice.

How long do you need to keep a SOA

Agents must be able to access the SOA form for ten years. Clients have the right to request a copy anytime within that time frame without any issues.  The SOA can provide help in the event that an issue or dispute occurs.  The Scope is in place to protect the consumer, but it can also protect the agent.

The new SEPs for DNPs and LIS 2025 change when a dual eligible can leave or switch Medicare Advantage Plans. The Final Rule changed existing SEPs and put a new SEP for D-SNPs in place. Starting in 2025, dual eligible and LIS (Low-Income Subsidy) recipients can change their Medicare Advantage plan enrollment once per month. The rules vary according to the beneficiary’s level of help and include full-benefit dual eligibles, partial-benefit dual eligibles, and individuals enrolled in the LIS program but are not also enrolled in Medicaid (LIS-only).

Watch our recorded webinar on the changes to SEPs for DSNPS

SEP changes starting Jan 1, 2025:

1. The current SEP for Dual eligibles and LIS only individuals is available once per quarter. It lets individuals switch or disenroll from a Medicare Advantage plan. This SEP will be end as of Jan 1, 2025.
2. A new monthly SEP for all dual eligibles and LIS only individuals to disenroll from a MAPD plan and go back to Original Medicare and a stand-alone PDP plan.
3. There will be a new SEP for all Dual eligibles and LIS only individuals to switch PDP plan enrollment.
4. A new monthly SEP for full duals to enroll in an integrated and aligned D-SNP plan.

Monthly SEP for Dual Eligibles and LIS recipients

As of 2018, CMS put a quarterly SEP in place. This SEP allowed duals & LIS recipients to either enroll or disenroll in a MAPD or PDP plan. The enrollment or disenrollment goes into effect the first day of the following month after the enrollee makes a plan change during the first three quarters. If the change is made in the last quarter AEP from Oct 15 – Dec 7, the plan goes into effect as of January 1st of the following year.

CMS created a new SEP to replace the quarterly SEP. In 2025, dual eligible individuals and LIS-only individuals can change their MAPD and PDP enrollment one a month.  Those who qualify can switch to another standalone PDP plan or disenroll from a Medicare Advantage plan and go back to Original Medicare and a standalone PDP plan. Individuals cannot use this SEP to enroll in another Medicare Advantage plan.

Integrated SEP

The CMS Final Rule created an SEP that will help facilitate enrollment for Dual eligibles into integrated Medicare Advantage plans. Each month, Full-benefit dual eligibles have the option to enroll in, or switch between, integrated D-SNPs. This SEP is only available to full-benefit dual eligible individuals who wish to enroll in integrated plans. Doing this will align enrollment between their Medicare and Medicaid coverage.

Those eligible can use this SEP to enroll in either a FIDE SNP (Fully Integrated Dual Eligible Special Needs Plan); or a HIDE SNP (Highly Integrated Dually Eligible Special Needs Plan); or a D-SNP that is an AIP (Applicable Integrated Plan).

What you can’t do with the SEP

Individuals cannot use the SEP to enroll in a Coordination only D SNP that is not an AIP, or a standard Medicare Advantage plan. The goal CMS has with this AEP is to have dual eligible individuals enroll in aligned plans if they are available in their home state.

Who can use this SEP

This SEP is only available to full-benefit dual eligible individuals who have access to an integrated, aligned plan. The following individuals cannot use this SEP: partial-benefit dual eligible individuals, and Medicare-only individuals cannot use this SEP. Presently, partial-benefit dual eligible individuals and LIS-only individuals have a quarterly SEP they can use to switch Medicare Advantage Plans. Keep in mind, this SEP will end as of Jan 1. 2025.

What happens if a person uses both the monthly and integrated SEP in the same month?

If an individual attempts to use the monthly SEP and the integrated SEP the same month, the SEP used last in will be effective. For example, Ms. Smith uses the monthly SEP to go back to Original Medicare on March 10th and on March 16th, she uses the integrated SEP to enroll in an Integrated Plan A, the integrated SEP is last used, and Ms. Smith will be enrolled into Integrated Plan A on April 1st.

SEP Changes for DSNPS & LIS 2025

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When it comes to helping clients choose a Medicare plan, there are many types of plans to consider. Those clients leaning towards a Medicare Advantage plan need to understand Medicare PPO vs. Medicare HMO plans. Although both plan types provide comprehensive coverage, they differ in many ways including how the enrollee’s healthcare is managed, costs for care flexibility of providers used. In this blog, we’ll go over some benefits of PPO and HMO plans to help determine which option may suit your client’s needs best.

Medicare PPO Plans

Provider choice flexibility

Although Medicare PPO plans have a network of preferred providers, plan enrollees may opt to receive care from an out of network provider for a higher fee. PPOs give the enrollee the freedom to see any doctor or specialist they choose, without the need for a referral.

Costs

In general, PPO plans may have similar cost share amounts compared to HMO plans. These amounts vary by plan type, carrier and service area. However, PPO plans offer lower out-of-pocket costs if enrollees stay within the network. The flexibility to see out-of-network providers comes with the potential to pay higher out-of-pocket amounts for those services.

PCP (Primary Care Physician) requirement

Unlike HMO plans, PPO plan enrollees are not usually required to choose a primary care physician (PCP). They do not need to get a referral from a PCP before seeing a specialists or other healthcare provider.

Medicare HMO Plans

Restrictions

In general, the choice of providers in a Medicare HMO plan is more restrictive. Enrollees are required to use healthcare providers and facilities within the plan’s network, unless it is emergency situation. Those who opt to receive care from an out-of-network provider, may have to pay out-of-pocket for the full cost of services.

Lower Costs

HMO plans often have lower out-of-pocket costs compared to PPO plans. Although, the network of providers is limited, and enrollees must stay within the network to keep low costs.

PCP (Primary Care Physician) Requirement

HMO plans require enrollees to choose a primary care physician. Their PCP will manage their healthcare needs. If the enrollee wants to see a specialist, they must first obtain a referral from their PCP. This helps manage and coordinate care effectively but may be inconvenient for some people.

Agents watch a quick YouTube video on strategies to manage the 2025 AEP

How to choose

The best choice differs from one person to the next and is based on individual healthcare needs and preferences. Both plan types have advantages and disadvantages.

Consider a PPO Plan if:

1. The enrollee wants the flexibility to see any doctor or specialist without a referral.
2. Higher costs are less important than the ability to choose any provider
3. There may be a desire for out of network services, even at a higher rate.

Consider an HMO Plan if:

1. Enrollees are willing to use a specific network of providers.
2. They like the idea of a PCP managing and coordinating their healthcare needs.
3. The enrollee does not see the need to use out-of-network providers and does not mind network restrictions.

Agents must consider the clients’ needs, budget and service area in order to find the best fit for their client.

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This year has been very confusing to say the least; as far as Medicare commisions 2025 go. As a result of recent lawsuits regarding the 2025 Medicare Final Rule, CMS issued updates to 2025 Medicare Advantage and Part D broker commissions on July 18, 2024. The newest amounts supersede those originally reported by CMS for CY 2025.

What you need to know

Please note; additional amounts previously stated have been removed. The one-time administrative increases of $100 to initial enrollments and $50 to renewals no longer apply.

This means, the additional money will not be added into the commission amounts anytime in the near future. If the judge approves CMS Final rule at some point in 2025, the commission rates will increase by $100 for initial enrollments and $50 for renewals.

Even without the increases listed above, CMS has increased commissions for both MA and PDP plans. This is due to an increase in the Fair Market Value (FMV). The maximum broker compensation below reflects the increase.

Maximum commissions 2025

It is important to note: commission rates vary by state.

In both CA and NJ, initial commission rates have increased from $762 per member for 2025 to $780 per member for the year.  The renewal commissions for CA and NJ have gone up from $381 per member for the year to $390 per member for the year. 

The states of CT, DC and PA have had an increase in initial MA commissions from $689 per member for the first year to $705 per member for the first year.  Renewal commissions for CT, DC and PA have increased from $345 per member per year to $353 per member per year.

Both Puerto Rico and the U.S. Virgin Islands initial MA commissions have gone up from $418 per member for the year to $428 per member for the year.  The renewal commissions have increased from $209 a member for the year to $214 per member for the year.

In all states not listed above, the initial MA commission amounts have increased from $611 per member per year to $626 per member per year. Renewal commissions have increased from $306 per member for the year to $313 per member for the year.

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Maximum commissions for PDP plans 2024:

The commission rates for PDP plans are the same in all states.

Initial commission rates for PDP plans have risen from $100 per member per year to $109 per member per year.  Commissions for PDP plan renewals have also increased from $50 per member each year to $55 per member each year.

Medicare Advantage Commissions 2025

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When it comes to Medicare, most people have an understanding of the traditional options like Original Medicare and Medicare Advantage plans. However, individuals with certain chronic conditions, may want a specialized Medicare Advantage plan called a what is a Chronic Secial needs plan, or C-SNP. In this post, we answer the questions; what are Medicare C-SNP plans, who is eligible to enroll in them, and what they provide.an medicare

What Are Medicare C-SNP Plans

Medicare C-SNPs are a type of Medicare Advantage plan that serves individuals with specific chronic health conditions. Unlike typical Medicare Advantage plans, C-SNPs provide tailored coverage and care coordination to address the unique needs of individuals with specific health conditions. Just like regular Medicare Advantage plans, these plans are offered by private insurance companies and include all the benefits of Original Medicare. In addition, they cover the necessary services to managing chronic conditions.

Who Qualifies for a C-SNP

To enroll in a Medicare C-SNP, you must meet specific eligibility criteria:

Chronic Condition Diagnosis

You must have one or more chronic conditions that the C-SNP is designed to manage. Common conditions that C-SNPs cover include diabetes, chronic heart failure, cardiovascular disorders, chronic lung disorders (like COPD), and end-stage renal disease (ESRD).

Medicare Eligibility

You must be eligible for Medicare Part A and enrolled in Part B.

Living in the Service Area

Enrollees must reside in the service area of the C-SNP plan in order to join. Not all plans are available in every location.

Key Features of Medicare C-SNP Plans

Targeted Care Coordination

One of the primary benefits of C-SNPs is the focused care coordination tailored to the chronic condition. These plans offer a network of healthcare providers who specialize in managing specific illnesses. Additionally, C-SNPs may offer case managers who help navigate healthcare needs, ensure enrollees follow treatment plans, and connect with resources and support.

Customized Benefits

C-SNPs may offer additional benefits beyond what is covered by Original Medicare. These could include: specialized treatment plans, rides to appointments, a care coordinato, nutrition plans and much more.

Specialized drug formularies

C-SNPs often include a list of covered prescription drugs specifically tailored to manage your chronic condition.

Access to specialists

Enrollees have access to specialists and healthcare providers who have expertise in treating a specific condition.

Wellness programs

In some cases, these plans offer services designed to help manage the condition, such as nutrition counseling, exercise programs, or disease management education.

Lower Out-of-Pocket Costs

Because C-SNPs manage chronic conditions more effectively, they may offer lower out-of-pocket costs for common services and medications associated with treatments. This can be a significant financial benefit for those managing costly, ongoing medical care.

Why choose a Medicare C-SNP Plan

Personalized Care: The primary advantage of a C-SNP is the personalized care that aligns with your specific health needs. This targeted approach ensures that treatment is optimized for your condition and can lead to better health outcomes.

Comprehensive Coverage: C-SNPs provide all the benefits of Original Medicare and often include Part D prescription drug coverage, along with additional services tailored to your condition.

C-SNPs emphasize care coordination. This ensurs that all aspects of your healthcare are managed effectively. This can reduce the likelihood of hospitalizations and improve your overall quality of life.

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what to consider before choosing a C-SNP

While C-SNPs offer significant advantages for those with chronic conditions, there are some considerations to keep in mind:

Network Restrictions: Like other Medicare Advantage plans, C-SNPs typically require you to use a network of providers. Ensure that your preferred doctors and specialists are within the plan’s network.

Plan Availability: Not all C-SNPs are available in every area, and the specific chronic conditions covered can vary by plan. Be sure to check if a C-SNP that fits your needs is available in your region.

Eligibility Requirements: You must have a qualifying chronic condition to enroll in a C-SNP. If your health needs change, you may need to switch plans, which could affect coverage.

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How to Enroll in a Medicare C-SNP Plan

If you think a C-SNP might be the right choice for you, follow these steps:

1. Find a licensed Medicare agent to help show you plan options and explain differences in coverage. This will help you make a well-informed decision.
2. See what’s available in our area. Consider the specific chronic conditions covered, the provider network, and the additional benefits offered.
3. Look at the costs including; premiums, deductibles, and out-of-pocket costs associated with each plan.
4. Ensure you meet the eligibility criteria for the C-SNP, including the diagnosis of a qualifying chronic condition.
5. You can enroll in a C-SNP during your Initial Enrollment Period, the Annual Election Period (October 15 to December 7), or a Special Enrollment Period if you qualify.

Learn about enrollment periods for Dual and Partial Dual & LIS enrollees

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Medicare C-SNP plans offer a valuable option for individuals with chronic health conditions who need specialized care. By providing tailored coverage, enhanced care coordination, and access to specialized providers, C-SNPs help better manage some chronic conditions and improve overall quality of life.

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SEPs are important for both agents and beneficiaries to understand. Missing an SEP can cause a beneficiary to pay more for their medical care then necessary. We will discuss the disaster/emergency SEP requirements to make sure your plan is approved without delays.

It is important to note; disasters or emergency SEPs that are declared by a government entity are only applicable to beneficiaries who were unable to complete an enrollment during a valid election period that took place during the emergency or disaster. CMS has clear guidelines when beneficiaries can use this SEP.

How to qualify for this SEP

The beneficiary has to have missed a valid election period when the declared disaster or emergency occurred. They have to have been unable to make the desired plan change during the specified time period. SEPs for disasters or emergencies are only applicable to those who live in the affected area during the emergency.

CMS also states; beneficiaries who rely on the help of individuals who reside in an area where the disaster or emergency occurs for health care decisions, may also be eligible for the SEP

Some reasons for not using this SEP

This SEP is not valid in cases when the beneficiary has already used another valid election period during the time the SEP begins. This is the case when the disaster SEP occurs during another valid election period. For instance, if the disaster SEP begins at some point during the AEP and the beneficiary uses the AEP election period, they are not eligible to use the SEP. This is because they have already used an election period. Thye are now ineligible to switch plans again.

Watch a quick YouTube video on SEP Changes for Dual, Partial Dual and LIS members in 2025

Learn more about SEPs – click here to watch a video

How long does the SEP last 

SEPs last for either at least 2 months after the end of the emergency or disaster or when the end of the incident is stated, the rules follow whatever date is later.

Here’s an example:

On August 8th through August 15th there is a wildfire that causes FEMA to declare a disaster/emergency in two counties. FEMA declares the SEP on August 20th; this means the start of the SEP is August 8th. This SEP would end two full months after the SEP is announced on August 20th. In other words, the end of the SEP would be October 20th because this is the later date.

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Managing healthcare online is not only easy but in some cases, a necessity. In this post we answer the question: why create an online Medicare account. We discuss some of the ways this makes accessing information easier.

The online Medicare account is tailored to each individual and provides personal information about benefits and coverage. This ensures beneficiaries receive updates and reminders in a timely manner.

Create an Online Medicare Account

It is not difficult to set up an online Medicare account.

1. Go to the Medicare website; Medicare.gov
2. Scroll down until you see the linbk to log in or create an account.
3. Once you are in there, follow the prompts and enter your personal information. such as (Medicare number & birthdate).
4. Once the account is set up, you can access all the tools and inforamtion you need.

Why create an online Medicare account:

Save current prescriptions and pharmacies to help keep track of your medications as well as easily compare health and drug plans in your service area.

Click here to watch a YouTube video on the new prescription payment program

1. Enroll in digital information. This provides a quick and easy way to access materials without waiting for the mail to arrive.
2. The site uses encryption and other security measures to ensure the safety of personal data. This proivides peace of mind to Medicare beneficiaries.
3. In the event you can’t find your Medicare card, you can use this site to print out a copy of your card.
4. Access all your Medicare information in minutes.

Fast and Easy

An online Medicare account provides easy access to important information. It also allows Medicare beneficiaries a way to manage health information from home anytime they like. They can check coverage, review claims, or update personal information with just a few clicks. There is no need to waste time on hold or fill out paperwork. All the Medicare information is accessible whenever it’s needed.

Medicare Coverage

The online account provides an up-to-date look at Medicare benefits. Beneficiaries can find out what their plan covers and keep track of deductible payments. It is easy to check on recent cliams without waiting for mail to arrive.

Claims and Payments

Online Medicare accounts are an easy way to track claims and payments. In addition, this can help beneficiaries spot discrepancies or billing errors. Finding mistakes early is a great way to correct them quickly and avoid delays in payments and aggrevation.

Replace a lost Medicare card

Losing your Medicare card can be stressful, but with an online account, requesting a replacement is simple and straightforward. You can order a new card online and have it sent to you without the hassle of phone calls or office visits.

Tools and Resources

Medicare’s online portal provides many tools and resources to help beneficiaries make informed decisions about healthcare. By entering an updated list of medications, beneficiaries can compare drug prices. They can view Medicare plan information or estimate out-of-pocket costs for specific services. These tools help beneficiaries understand what’s available and lets them look at plans that best suit their needs.

Please note: It is always a good idea to enlist the help of a licensed insurance agent to discuss coverage need and sort out all the options.

Paperless

When an individual sets up an online Medicare account, they can choose to recieve paperless communications. In other words, they can avoid some of the paper mail cluttering their counter tops. This provides a way to view important documents in a timely manor and eliminates the need to file them and search for them later.

Additionally; an online Medicare account is useful for Medicare beneficiaries. It is an easy and secure way to access important health coverage information.

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