Blog: Medicare Tips, Made Simple

From coverage updates to bite-sized Medicare explainers, Desirèe shares monthly insights to help you stay informed—without the overwhelm.

These posts are adapted from her newsletter, so you can read them anytime (even if your inbox is already full).

The 5 Most Common Medicare Mistakes to Avoid During Enrollment

The 5 Most Common Medicare Mistakes to Avoid During Enrollment

5 Common Medicare Mistakes to Avoid Enrolling in Medicare can be confusing, and simple mistakes can cost you. Missing deadlines may lead to lifelong penalties, Medicare doesn’t cover everything like dental, vision, or most prescriptions, and plans change every year—so reviewing your coverage is essential. Choosing a plan without checking provider networks can mean higher costs, and trying to figure it all out alone often leads to costly missteps. The bottom line: review your options carefully and seek guidance to get the right coverage for your needs.
Desirée DelFrari
Special Election Period (SEP)

Special Election Period (SEP)

A Special Enrollment Period (SEP) is a limited time outside of the regular Medicare enrollment dates when you can sign up for, change, or drop coverage due to certain life events, such as losing other insurance, moving, or qualifying for extra help. The length of the SEP depends on the situation.
Desirée DelFrari
Medicare Advantage at a Glance (HMO & PPO)

Medicare Advantage at a Glance (HMO & PPO)

Is a Medicare Advantage Plan Right for You? Medicare Advantage plans (HMO or PPO) often offer low or $0 premiums, built-in drug coverage, and extra benefits like dental and vision. HMO plans typically require in-network providers and may need referrals or pre-authorizations, which can delay care. PPO plans offer more flexibility with both in- and out-of-network options and no referrals, though out-of-network care comes at a higher cost. These plans usually have no medical deductible, copays only when you receive care, and an annual out-of-pocket limit.
Desirée DelFrari
Understanding Medicare Supplement Plans (aka Medigap)

Understanding Medicare Supplement Plans (aka Medigap)

Thinking About a Medicare Supplement (Medigap) Plan? Medigap offers freedom to see any doctor who accepts Medicare, low, predictable costs (especially with Plan G), and nationwide coverage. It helps cover what Medicare doesn’t — like deductibles and copays — but you’ll need a separate Part D plan for prescriptions. No networks, but premiums vary by age and it doesn’t include dental, vision, or hearing.
Desirée DelFrari
Creative Ways to Pay for Assisted Living (Even Without a Long-Term Plan)

Creative Ways to Pay for Assisted Living (Even Without a Long-Term Plan)

Assisted living costs can feel overwhelming—but there are still options. This post explores creative ways Colorado families cover care expenses, even without years of planning.
Desirèe DelFrari
How Much Does Assisted Living Cost?

How Much Does Assisted Living Cost?

Wondering how much assisted living actually costs? This post breaks down the numbers, compares options, and explains what Medicare really covers (and what it doesn’t).
Desirèe DelFrari