Medicare Enrollment Guide Employer group Medicare Advantage plans: the hidden trap that can lock you out of Medigap By Cindy Kowalski, Licensed Independent Medicare Advisor ā¢ Updated for 2026 Some employers offer retiree or late-career health plans that are quietly structured as Medicare Advantage. If you don’t know the difference between that and traditional employer … Read more
Medicare Plan Selection · Updated May 2026 · 10 min read C Cindy Kowalski Licensed Independent Medicare Advisor · Eligry LLC · NPN 21601670 Many people enroll in a Medicare Advantage plan when they first become eligible for Medicare. It makes sense at the time — the monthly premium may be low or even $0, … Read more
Michigan Medicare Guide Michigan Medicare Supplement underwriting rules: no birthday rule, no safety net, and what that means for you By Cindy Kowalski, Licensed Independent Medicare Advisor ā¢ Updated for 2026 ā¢ Part of our state-by-state Medicare Supplement guide Michigan has no birthday rule. No annual Medigap open enrollment. No state-mandated carrier that must accept … Read more
Illinois Medicare Guide Illinois Medicare Supplement underwriting rules: birthday rule, Blue Cross guaranteed issue, and everything in between By Cindy Kowalski, Licensed Independent Medicare Advisor ā¢ Updated for 2026 ā¢ Part of our state-by-state Medicare Supplement guide Illinois gives Medigap enrollees more flexibility than most states ā but less than you might think. The Illinois … Read more
Georgia Medicare Guide Georgia Medicare Supplement underwriting rules: what happens after your enrollment window closes By Cindy Kowalski, Licensed Independent Medicare Advisor ā¢ Updated for 2026 ā¢ Part of our state-by-state Medicare Supplement guide Georgia does not have a birthday rule. Georgia does not have an annual Medigap open enrollment period. Once your initial six-month … Read more
Connecticut Medicare Guide Connecticut Medicare Supplement underwriting rules: year-round open enrollment and what it means for you By Cindy Kowalski, Licensed Independent Medicare Advisor ā¢ Updated for 2026 ā¢ Part of our state-by-state Medicare Supplement guide If you’re 65 or older and live in Connecticut, you can apply for any Medicare Supplement plan, from any … Read more
New York Medicare Guide New York Medicare Supplement rules: the strongest protections in the country By Cindy Kowalski, Licensed Independent Medicare Advisor ā¢ Updated for 2026 ā¢ Part of our state-by-state Medicare Supplement guide If you have a Medicare Supplement plan in New York, you have stronger consumer protections than 95% of Medicare beneficiaries in … Read more
Indiana Medicare Guide Indiana Medicare Supplement birthday rule: what it means for Hoosiers in 2026 By Cindy Kowalski, Licensed Independent Medicare Advisor ā¢ Updated for 2026 ā¢ Part of our state-by-state Medicare Supplement guide The Indiana Medicare Supplement birthday rule is new as of January 1, 2026 ā and most Hoosiers with a Medigap plan … Read more
Florida Medicare Guide Florida Medicare Supplement birthday rule: what actually applies (and what doesn’t) By Cindy Kowalski, Licensed Independent Medicare Advisor ā¢ Updated for 2026 The Florida Medicare Supplement birthday rule is something people search for constantly ā and the honest answer, which most insurance companies won’t tell you plainly, is that Florida doesn’t have … Read more