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Updated - You may have heard friends or colleagues discussing the "donut hole", but what is it? Medicare prescription drug plans have a coverage gap, commonly referred to as the “donut hole”. This coverage gap begins after you and your drug plan together have spent a certain amount for covered drugs. Here's what's covered, and what it means for your premiums.

If you’re a snowbird on Medicare, there are a few things you need to know about how Medicare, Medigap plans, and Medicare Advantage work.

If you’re new to Medicare, you may want to check that your local family doctor accepts Medicare assignment. We have a complete list of Decatur, IL doctors that accept Medicare.

Unfortunately, Medicare does not cover hearing aids, hearing exams, or exams for fitting hearing aids. You do pay 100% for hearing exams and hearing aids, and this is where the real expenses come in.

If you’ve retired from Ameren, you may have been notified that your retiree benefits will be changing, effective January 1, 2019. While it may seem like you are required to purchase everything through Aon, we’re happy to tell you that you have options. If you would prefer to work with a local, family-owned company with a hands-on and personalized approach, you can do that.