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Information provided on this page is informational only. Nothing posted here should be considered investment advice. Please review your financial situation with a qualified financial professional before taking action. For more information please see our disclosure.

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Addressing Concerns about the Debt Ceiling

As we head into the Memorial Day weekend, Congress and President Biden have not yet reached an agreement to prevent a crisis that could occur if the debt ceiling is not raised by early June. The debt ceiling is the maximum amount of money the U.S. Treasury is permitted to borrow to pay for U.S. government obligations such as Medicare, Medicaid, Social Security, military spending, interest payments, and tax refunds. An increase of this limit is not an authorization of new spending; rather, it gives the government the ability to fulfill already existing legal obligations by issuing new debt such as Treasury bills, bonds, and notes.

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It’s Medicare Open Enrollment Time!

If you’re 65 or older, by now you should have received your annual installment of the official U.S. government Medicare handbook, Medicare & You 2023. Your mailbox is also probably full of Medicare-related flyers from insurance companies trying to win your business. The annual open enrollment period for Medicare started on October 15 and goes until December 7. It is the one time every year that Medicare beneficiaries have an opportunity to modify their Medicare coverage. During the open enrollment period, you can switch or add a Medicare Advantage plan, switch, or add a Part D prescription drug plan and, in some states, like Massachusetts, switch or add a Medigap plan. Any changes you make take effect January 1 of next year.

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