Ryan Kennelly
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Activity overview
Latest activity by Ryan Kennelly-
Ryan Kennelly created an article,
If I Move to Another State, Can I Enroll in a Medicare Advantage Plan and Then Switch to a Different One Within 60 Days?
Short answer: A permanent move out of your plan's service area gives you a Special Enrollment Period (SEP), but that SEP is generally a one-time election - not a window that lets you enroll in one ...
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Ryan Kennelly created an article,
What is Medigap
If you have Original Medicare (Part A and Part B), you may have noticed it doesn’t pay for everything. You’re still responsible for deductibles, copayments, and coinsurance - and unlike most employ...
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Ryan Kennelly created an article,
Are Oura Rings or Garmin Trackers HSA Eligible?
Generally, no — fitness trackers like the Oura Ring and Garmin devices are not HSA-eligible as standard purchases. The IRS considers them general health and wellness products, not qualified medical...
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Ryan Kennelly created an article,
Can I Use My HSA for Botox?
Yes, you can use your HSA for Botox — but only if it is medically necessary and prescribed by a physician. If the treatment is purely cosmetic (for example, smoothing wrinkles or fine lines), it do...
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Ryan Kennelly created an article,
Medicare Late Enrollment Penalties (2026): Part A, B & D Explained
Estimate your penaltyUse the calculator below for a quick estimate, then read on for how each penalty works.Missing a Medicare enrollment window can cost you for years — sometimes for life. This gu...
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Ryan Kennelly created an article,
What Is the Process for Canceling Medicare Part B?
Key takeaways Canceling Medicare Part B requires completing form CMS-1763 and submitting it to the Social Security Administration, including a written explanation for the cancellation and the retur...
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Ryan Kennelly created an article,
Does the Medicare Part D deductible count towards the maximum out of pocket?
Yes, the Medicare Part D deductible counts towards your annual out-of-pocket (OOP) maximum for prescription drugs. Starting in 2026, you will have a $2,100 cap on out-of-pocket costs, which includ...
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Ryan Kennelly created an article,
Is egg freezing in Illinois covered by insurance?
Yes, Illinois law mandates insurance coverage for fertility preservation (like egg freezing) when it's medically necessary due to treatments causing infertility, especially for cancer patients, bu...
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Ryan Kennelly created an article,
What's the difference between the regular Humana G vs the Humana G Achieve plan?
The Humana G Achieve plan is a specific, competitively priced version of the standard Humana Medicare Supplement Plan G. All Plan G policies, regardless of the insurer or branding, offer the exact ...
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Ryan Kennelly created an article,
Can I Pass Medigap Underwriting?
Key Points If you can answer ‘No’ to most or all the underwriting questions you encounter on a Medigap application, you should have a high chance of passing, depending on the carrier. Chronic con...