Hitcho Insurance Agency Logo
Connect With a Medicare Expert
Allentown:(610) 694-9435 | Kingston:(570) 851-7676
Facebook Youtube Instagram
Medicare Part A Deductibles and Coinsurance

Medicare Part A Deductibles and Coinsurance: What Hospital Patients Should Understand

Medicare Part A /

A hospital stay can be stressful enough without worrying about unexpected medical expenses. If you have Medicare, understanding your hospital coverage and potential out-of-pocket costs before you need care can help you prepare. Although Medicare Part A helps cover eligible inpatient hospital services, it doesn’t pay for every expense. The Medicare Part A deductible, coinsurance,

Medicare Part A Deductibles and Coinsurance: What Hospital Patients Should Understand Read More »

Medicare Eligibility

Three Doors to Medicare: Your Own Work, Your Spouse or Government Work, and Buying In

Medicare /

Turning 65 is the milestone most people associate with Medicare, but reaching that birthday doesn’t automatically mean every requirement has been met. How you qualify depends on your work history, your spouse’s work history, and in some cases whether you’ve paid into the system in a particular way. If you’re unsure which category you fall

Three Doors to Medicare: Your Own Work, Your Spouse or Government Work, and Buying In Read More »

Two adults seeing is Medicare Advantage PPO Right for them.

Is a Medicare Advantage PPO Right for You? Four Everyday Situations

Uncategorized /

Most explanations of Medicare Advantage plans start with definitions. This one starts with real-life situations instead. A Medicare Advantage PPO (Preferred Provider Organization) isn’t better or worse than other plans. It simply fits some lives more naturally than others. Below are four everyday examples, followed by a quick comparison and a few honest trade-offs. These

Is a Medicare Advantage PPO Right for You? Four Everyday Situations Read More »

A person at a table reading a letter or paperwork with a pen in hand

How Referrals and Prior Authorization Work in a Medicare Advantage HMO

Medicare /

One of the most common worries we hear about Medicare Advantage is simple: “What if I need care and the plan won’t pay for it?” It’s a fair question. A Medicare Advantage HMO (Health Maintenance Organization) works differently from Original Medicare, and two of the biggest differences are referrals and prior authorization. Understanding how they

How Referrals and Prior Authorization Work in a Medicare Advantage HMO Read More »

A retired couple smiles together while reviewing paperwork at home

Retiring Before 65: What to Do About Health Coverage Until Medicare Starts

Uncategorized /

Retiring earlier than planned can feel like a relief — more time, less stress, a chance to finally slow down. But if you’re stepping away from work before age 65, there’s one practical question that needs an answer before you hand in your notice: what happens to your health coverage in the meantime? Medicare doesn’t

Retiring Before 65: What to Do About Health Coverage Until Medicare Starts Read More »

A caregiver sits with an older woman outdoors, reading together and smiling

A Family Caregiver’s Guide to Helping a Parent Navigate Medicare Decisions

Medicare /

If you’ve started helping a parent figure out their Medicare coverage, you’re not alone. More and more adult children are stepping in to research plans, sit in on doctor visits, or simply make sense of a confusing pile of mail — especially when a parent lives alone or a decision needs to be made quickly.

A Family Caregiver’s Guide to Helping a Parent Navigate Medicare Decisions Read More »

A woman sits across a desk from an advisor, hands clasped, discussing paperwork during a Medicare consultation

Medicare Options for Surviving Spouses of Veterans

Medicare Advantage for Veterans /

Losing a spouse is one of the hardest transitions anyone can go through, and for spouses of veterans, it often comes with an unexpected question: what happens to my healthcare coverage now? Many spouses of veterans have relied, directly or indirectly, on their husband’s or wife’s military-connected benefits for years. When that spouse passes away,

Medicare Options for Surviving Spouses of Veterans Read More »

A close-up of hands reviewing a Medicare card and paperwork

AEP 2026: What Medicare Enrollees Need to Know Before October 15

Medicare Enrollment /

If you have Medicare coverage, you’ve probably already started seeing the mailers, TV ads, and phone calls pile up. That’s a sure sign that AEP — the Annual Enrollment Period — is right around the corner. This year, AEP runs from October 15 through December 7, and it’s one of the most important windows on

AEP 2026: What Medicare Enrollees Need to Know Before October 15 Read More »

begin medicare with personalized plans

One of our Medicare advisors will contact you soon.