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Request An Affordable Care Act Quote!
Call today for quotes on health insurance for
or any other type of health or life insurance!

877-734-3884 (TTY: 711)

All Other:
786-970-0740 (CELL)


Medicare - March 2024




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News & Updates For Medicare Beneficiaries

Drug prices from discount plans like GoodRx can often be lower than the cost of these drugs purchased through your insurance plan. ALWAYS ask for the Good Rx (or other discount) price when you pick up your medications from the pharmacy and request the pharmacy to charge you the lower of the two prices.

Medicare Advantage insurer profits have been squeezed by the increased utilization of services, and carriers indicate this trend will continue into 2024. Medicare has also proposed a .16% decrease in the benchmark rate paid to Medicare Advantage plan insurers. Both developments could have an adverse effect on Medicare Advantage plan designs for 2025, although it is far too early to know how 2025 Medicare Advantage plans will look.

Although healthcare staffing levels have increased to pre-pandemic trend lines, demand for healthcare services has far outpaced the ability of providers to increase staffing levels to meet the demand.


It’s a good practice always to ask for the Good Rx (or other discount) price of your medications when you order medications from the pharmacy. 

Most pharmacies do not automatically check the discount price of medications before filling orders for prescription medications from your insurance plan.

I ALWAYS ask the pharmacy to check the Good Rx price before I pay for my medications. Just today I saved $20 (about 25%) over the drug plan price of a new medication my doctor prescribed for me.


Large insurers UnitedHealthcareHumana and Aetna have warned investors and regulators that higher-than-anticipated utilization in Medicare Advantage will cause them to miss their financial targets for 2023 and that profitability may be squeezed this year as well, according to an article in Modern Healthcare.

Health insurers first called out the unexpected spike in Medicare Advantage enrollees scheduling orthopedic, cardiac and other outpatient procedures in June. Carriers and providers attribute the trend to pent-up demand from earlier in the COVID-19 pandemic and anticipate medical expenses will remain above pre-pandemic levels through 2024, although uncertainty abides regarding how long costs will grow, to what degree and for what services.

CMS (Medicare) issued a proposed rule on January 31 to decrease the Medicare Advantage benchmark rate .16% in calendar year 2025, excluding risk adjustment. The agency plans to finalize the rule by April 1. If the benchmark rate is lowered as proposed this, coupled with the increased benefits utilization that has occurred in Medicare Advantage plans, could lead to lower overall Medicare Advantage plan benefits for 2025 plans. However, on February 26 a number of carriers reported improved investment performance in 2023; this should be a factor carriers will consider when designing 2025 plans and negotiating their 2025 plans with Medicare.

Medicare Supplement carriers have begun to announce their premium increases for 2024. One major Medicare Supplement carrier has announced significantly higher increases than their 10 year-average rate increases and attribute this to policyholders obtaining services in 2023 that they postponed due to the pandemic.

We’ve notified clients who have been affected by this increase. We expect larger than expected increases to be announced by other Medicare supplement carriers within the next two months.

We’ll keep you posted.


A February 1 article in Modern Healthcare says the industry has significantly increased staffing over the past few years, returning overall employment levels to pre-pandemic trend lines and leading other sectors in job growth. It’s a monumental accomplishment, but experts say these gains aren’t nearly enough to offset healthcare’s understaffing woes. 

With employee turnover, clinician retirement and health systems building more facilities to meet the service demands of an aging patient population, industry job openings still vastly outnumber the staff available to fill them.

While healthcare employment has increased by around 4.6%, or nearly 800,000 jobs, since February 2020, the demand for services based on spending in the industry has increased by 20%. 

About Paul Cholak

Paul is a licensed, independent health and life insurance agent and has over forty years of benefits experience and specializes in helping Medicare beneficiaries obtain health insurance. However, he offers a complete array of life and health insurance products to individuals of all ages.

He guides Medicare beneficiaries through the steps of getting insurance and is available to help clients both BEFORE and AFTER they've made their purchase decision.

Disclaimer for Part C and D plans: "We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact or 1-800-MEDICARE (TTY: 1-877-2048) to get information on all your options."

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Schedule For 2024
Affordable Care Act Enrollment

Affordable Care Act open enrollment for 2024 plans began November 1, 2023 and ended January 16, 2024 on the Federal Facilitated Marketplace (

You’re eligible to enroll ONLY if you have a Qualifying Life Event.
There are no pre-existing condition limitations.

Call Us At 786-970-0740 (Cell)
to determine what kind of plan you may be eligible for.

2024 Annual Enrollment Period For Medicare Eligibles

The Annual Enrollment Period for Medicare-eligibles that ran from October 15 through December 7, 2023 for a January 1, 2024 effective date has ended.

You’re eligible to enroll now ONLY if you’re first becoming eligible for Medicare or are eligible for another type of enrollment period. Enrollment rules differ between Medicare Supplement plans and Medicare Advantage, Medicare Advantage Prescription Drug, and separate Medicare drug coverage (Part D).

Call us at 877-734-3884 (TTY: 711) for details.

family consulting

We offer a comprehensive set of Affordable Care Act (“Obamacare”) plans

to individuals and families qualified to buy health (tax- and non-tax subsidized) insurance and dental/vision and/or hearing plans through the Federal marketplace (this is called buying “on-exchange” or “on-marketplace”) or directly from insurance carriers (this is referred to as buying “off-exchange or -marketplace”). Our Affordable Care Act policies comply with the Affordable Care Act and contain all of the “essential health benefits” required by that law.

The dental/vision and/or hearing insurance

products are available both on an insured or discount basis

We offer short-term health insurance policies

for those who are looking for more inexpensive coverage and shorter term alternatives.

We offer Medicare Supplement, Medicare Advantage, and Part D Drug plans

to Medicare-eligibles. Our site is compliant with federal, state, and carrier guidelines in selling these policies. See the Medicare-eligibles section of this site for details.

We represent many carriers that offer supplemental benefits

to both individuals and families and Medicare beneficiaries, and the site contains information about hospital indemnity, cancer, critical illness, gap, accident, and international medical insurance offered by many different carriers. This section of the site also contains valuable information and tools about lowering the cost of prescription medications. Call us if you want more information about or would like to enroll in one of these products.

We also offer Short- and Long-Term Disability products

and can also help you meet the costs of long-term care, nursing home, or short-term (recovery) care needs.

Finally, we have a complete array of Life, Final Expense, and Annuity products

and offer pre-need services in Florida, as we have both life insurance and pre-need licenses in that state.

You pay nothing for our services:

we’re paid directly from the carriers we represent, Premiums are NEVER EVER marked up to include paying us for our services: you pay the same whether you order directly from the carrier or the marketplace on your own or directly through us or from our site.

We ONLY offer alternatives that are suitable for you and for which we feel meet YOUR needs.
When or if we feel a product or service is not appropriate for you from either a cost or benefit point of view we will tell you so.

We’re fully compliant with privacy and security guidelines, have signed all required privacy and security agreements, have developed a privacy and security policy, and take extraordinary steps to safeguard your protected health and personal information.
In short, we’re experts in all aspects of health and life insurance and also have relationships with professionals who can help you with very specialized situations.

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