Tom Cianflone
Why my Services Don't Cost You a Dime (or, How I Get Paid)
Let's get right to the point: Using my services as an independent local agent doesn't cost you a thing. Period. Quite often when I'm...
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Tom Cianflone
- Jan 14, 2021
- 2 min
Everything is free, free, free! (But, not really...)
Just a reminder: Do not be taken in by these TV ad come-ons to get you to call a toll-free number to get "everything free" in some magic...
86 views0 comments
Tom Cianflone
- 6 days ago
- 1 min
2023 Medicare Rates Announced
On Tuesday, September 27th, 2022, CMS (Centers for Medicare & Medicaid Services) announced the Medicare rates for 2023 as follows: The...
89 views0 comments
Tom Cianflone
- Sep 16
- 5 min
All About AEP
October 1, 2022. This post is about the who, what and when of the Medicare Annual Enrollment Period, or AEP as we say in the business....
140 views
Tom Cianflone
- Aug 27
- 1 min
September is Life Insurance Awareness Month
If you didn't know it before living through a pandemic, you surely know this now: Life Happens. Life insurance is one tool available to...
6 views
Tom Cianflone
- Aug 27
- 5 min
What Does the Inflation Reduction Act of 2022 Mean to You?
In this post, I run down the major provisions of the Inflation Reduction Act of 2022 (IRA2022) and highlight how the provisions in the...
158 views
Tom Cianflone
- Jul 8
- 2 min
When to Say No to COBRA (even if it's FREE)
What's wrong with this picture? You're turning 65 next month. You want to retire and your employer is offering you an attractive...
19 views
Tom Cianflone
- Jun 20
- 1 min
Nova Southeastern Veterans Services Unit
Nova Southeastern University is offering free health services to veterans and their spouses in the areas of dental, vision and mental...
27 views
Tom Cianflone
- May 30
- 1 min
OIG Report: MA Prior Authorization Denials Raise Concerns
Some Medicare Advantage Organization (MAO) Denials of Prior Authorization Requests Raise Concerns About Beneficiary Access to Medically...
191 views
Tom Cianflone
- May 30
- 1 min
How Safe is Your Hospital?
The Leapfrog Group has released the Spring 2022 hospital safety grades. The safety grade assigns a letter grade to nearly 3,000 U.S....
271 views
Tom Cianflone
- Apr 22
- 1 min
Special Enrollment Periods
The period from April 1st to December 31st is known to Medicare insiders as the "lock-in period" for Medicare Advantage (MA, aka Part C)...
9 views
Tom Cianflone
- Apr 22
- 1 min
Client Writes Letter to the Editor -- About Me!
As many of you know, I advertise quite a bit in the New Pelican, a local interest newspaper here in Pompano Beach, Florida. Each Thursday...
48 views
Tom Cianflone
- Dec 23, 2021
- 3 min
Medicare Appeals & Grievances
If you're on Medicare, it's important to know that you have rights and that there are procedures in place for you to make your case if...
24 views
Tom Cianflone
- Dec 20, 2021
- 2 min
Getting the Most Out of Your Medicare Coverage
So, you’re on Medicare, or you’ve changed to a new Medicare plan. Now what? Here are my tips for getting the most out of your Medicare...
45 views
Tom Cianflone
- Sep 5, 2021
- 1 min
Knock, Knock: It's ANOC!
If you've been enrolled in a Medicare Advantage plan or Part D drug plan for any length of time, you know about the ANOC: Annual Notice...
33 views
Tom Cianflone
- Jul 30, 2021
- 2 min
Saving Money on Prescription Drugs
Prescription drug costs can be a challenge on Medicare, especially if you are coming off of employer group health and you require any...
49 views
Tom Cianflone
- Jul 26, 2021
- 1 min
NCOA Benefits Checkup Website
Do you know about the NCOA Benefits Checkup website? The National Council on Aging hosts an extremely valuable benefits checkup website....
31 views
Tom Cianflone
- Jul 19, 2021
- 1 min
My Interview in the New Pelican
My interview in the July 1st, 2021, edition of the New Pelican (formerly the Pompano Pelican) now has a forever home right here on my...
47 views
Tom Cianflone
- Jul 12, 2021
- 1 min
Mail you should keep. Mail you should toss.
One of the most annoying things about approaching Medicare age is the amount of mail that you get. What to do with all that mail? Here's...
14 views
Tom Cianflone
- May 3, 2021
- 1 min
CMS Releases Latest Hospital Star Ratings
May 3, 2021. You probably know that CMS (Centers for Medicare/Medicaid Services) keeps performance ratings for hospitals around the...
33 views