Ask Phil

Working after 65? What you need to know about employer insurance and Medicare

By Philip Moeller

It is illegal for big employers to try to get you on Medicare by sweetening the deal, but you might consider signing up for Medicare for your own financial benefit.

Why you should consider switching your Medicare coverage during open enrollment

By Philip Moeller

Medicare's open enrollment period could be especially complicated this year, in part because if you have a Medicare Advantage plan, you also will have the entire first quarter of next year to change your plan.

Threats to Medicare, Social Security in the spotlight ahead of midterm elections

By Philip Moeller

Advocacy groups are making a push to inform voters about what they see as risks to Medicare and Social Security ahead of the 2018 midterm elections.

Report: 4 out of 5 Americans have less than a year’s income saved for retirement

By Philip Moeller

A report released this week by the National Institute on Retirement Security found four out of five working Americans have less than one year's income saved for retirement.

What to do if you have been wrongly charged for Medicare

By Philip Moeller

Social Security is a huge bureaucracy, and people often feel like bugs trapped in flypaper. But there are some steps you can take.

The Social Security myths you should know before the midterms

By Philip Moeller

Claiming that Social Security adds to the federal deficit or that Washington somehow has squandered Social Security funds has long been part of the political rhetoric about the program.

What vital questions should seniors consider before November?

By Philip Moeller

As Medicare’s annual open enrollment season and the nation’s midterm congressional elections approach, what would you like to know more about to help you make informed decisions?…

Why does my Medicare plan charge me more for my medication?

By Philip Moeller

It’s often possible to find individual drugs that cost less than what you’d pay in a Part D plan.

What to ask about your employer health coverage after age 65

By Philip Moeller

In too many cases, it’s clear that people didn’t seek help from their employer plans or even think to ask how they worked with Medicare.

Column: This plan to add broad non-medical benefits to Medicare Advantage is a big deal. Here’s why

By Philip Moeller

Beginning next year, Medicare Advantage plans will be permitted for the first time to broadly cover non-medical expenses that can help Medicare enrollees improve their health.