Ryan Kennelly
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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...
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...
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...
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...
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...
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...
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 ...
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...
What is the cost of Fosamax with Medicare?
Fosamax is a brand name of the generic drug alendronate. It helps treat osteoporosis due to menopause or steroid use. It works by altering bone formation and the breakdown of the bones in the body....
Why are 2026 Gold ACA plans cheaper than Silver ACA plans?
Gold ACA plans can be cheaper than Silver plans because of how subsidies and cost-sharing reductions (CSRs) are built into Silver pricing. 1️⃣ Silver plans carry the cost of CSRs Cost-Sharing Reduc...