The Enrollment Store- Harrington Insurance LLC

On Medicare? 👓, Listen Up 👂, and Smile 😷

Did you know original Medicare doesn't cover routine dental, vision, or hearing care? It’s important to know your options! If you have a Medicare Plan find out about standalone dental/vision/hearing policies to get the coverage you need. If you have questions, we can help!

Planning an international trip? Don’t forget to check your health insurance coverage. ✈️

Many domestic health insurance plans provide limited or no coverage outside the United States. That means a medical emergency overseas could result in significant out-of-pocket costs. Travel medical insurance can help fill that gap.

🌍 Depending on the plan, it may cover:
• Emergency medical treatment
• Hospital stays and physician visits
• Urgent care services
• Prescription medications
• Emergency medical evacuation

Many plans also include 24/7 global assistance, helping travelers locate medical facilities and coordinate care in unfamiliar countries. Don’t get stuck on your own out there! Travel coverage can be the difference between a major trip disaster and a good story you can tell when you get back home.

Talk to us to learn about your options.

Are you shopping for long-term care insurance for yourself or a loved one? Be sure to look beyond the basics! These lesser-known features could make a big difference:
✔️ Shared benefits for couples
✔️ Premium waiver for surviving spouses
✔️ Coverage for new care options like memory care or adult day care
✔️ Shorter pay periods with no premiums in retirement
We can help you compare your options. Call us for a personalized review!

Does Medicare cover assisted living or long-term care?

Many people are surprised to learn that Medicare’s coverage is very limited.

👉 What Medicare Covers (short-term, medical):
> Skilled Nursing Facility care (up to 100 days with hospital stay & doctor’s order)
> Home health services (if homebound, ordered by a physician, and needed in addition to skilled services)
> Medical services while in assisted living (doctor visits, tests, equipment)
> Hospice care (if terminally ill)

👉 What Medicare Does NOT Cover:
> Custodial care (help with daily activities like bathing, dressing, eating, etc.)
> Room & board in assisted living or memory care
> Long-term nursing home stays for daily living needs only
> Assisted living as a skilled care setting

✅ Planning Ahead
Medicare is health insurance—not long-term care insurance. Options like private long-term care insurance, hybrid life policies, annuities, Medicaid, or personal savings can help cover costs. Planning early means more options and peace of mind.

The best time to plan is NOW—and we’re here to guide you every step of the way.

📢 Had an ACA Marketplace plan this year? Here’s what to know before filing your taxes.

If you purchased health insurance through the Affordable Care Act (ACA) Marketplace, tax season includes a few extra steps — even if you didn’t receive financial help.

Here’s what to remember:

📄 Look for Form 1095-A
If you had Marketplace coverage at any point during the year, you should receive Form 1095-A. This form shows:
• Months you had coverage
• Monthly premium amounts
• Any advance premium tax credits (if applicable)

You’ll need this form to complete your federal return accurately. Don’t file without it.

🔁 If You Received Financial Help, You Must Reconcile It
If you received advance premium tax credits (APTC), you’re required to reconcile them using Form 8962 (filed with Form 1040). Most tax software will guide you through this.

This compares:
• The income you estimated
• Your actual income for the year

If you earned less, you may qualify for additional credit.
If you earned more, you may need to repay some.

💍 Filing Status Matters
Married couples generally must file Married Filing Jointly to qualify for premium tax credits.

📈 Income & Life Changes Count
Raises, job changes, marriage, divorce, or adding a dependent can impact your tax outcome.

⚠ Important:
Even if you don’t normally file taxes, you must file if you received advance premium tax credits — or future subsidies could be affected.

This post is for informational purposes only and is not tax advice. Consult a qualified tax professional regarding your situation.

💊 Medicare drug cost rules changed in 2026. To recap:

✔️ Part D now has a $2,100 annual out-of-pocket cap.
✔️ The maximum deductible is $615 (many plans charge less).
✔️ Insulin costs are capped at $35 or less per month for covered products.
✔️ Medicare negotiated lower prices on 10 high-cost drugs, including Eliquis, Jardiance, Xarelto, Januvia, Farxiga, Entresto, Enbrel, Stelara, Imbruvica, and certain insulin products.
✔️ Many adult vaccines remain $0 under Part D.

Your actual cost still depends on your plan’s structure, pharmacy network, and drug tier placement. If you’re taking prescriptions, especially any one of the negotiated drugs, it’s worth reviewing your coverage. That's what we're here for!