September 23, 2026 | Read online

Are You Leaving Benefits on the Table?

You pay for Medicare. Are you using all of it?

Hi—Kwame here.

Every month, money comes out of your Social Security check for Medicare. You've paid into this system your whole working life.

So let me ask you something. Are you getting everything you're paying for?

For most people, the honest answer is no. Not because anyone's hiding it. Because nobody ever sat down with you and walked through all of it. You got a card, a thick packet, and a phone number that puts you on hold for forty minutes. And then you were on your own.

Where the money slips through the cracks

Medicare is full of benefits that go unused, simply because people don't know they're there or don't know how to ask.

A bill gets paid that should have been covered. A prescription costs more than it needs to. A denial letter gets filed in a drawer instead of appealed. And if you're on a Medicare Advantage plan, the extras — dental, vision, rides to the doctor, an allowance for everyday health items — often go untouched all year.

That's money and care you've earned, just sitting there.

Meet the person whose job is to fix that

Our partner Baba pairs you with a dedicated healthcare advocate. A real person, usually a nurse or a social worker, who learns your situation and then does the legwork for you.

Your advocate can help you:

Understand what your coverage actually includes — in plain English, including extras you may not be using
Review your medical bills — and fight the ones that shouldn't have come to you at all
Handle denials and appeals — so a "no" from your plan isn't the end of the road
Look at your prescription costs — and find cheaper ways to get the same medications
Coordinate your doctors, appointments, and records — so nothing gets dropped between offices

Your Baba advocate. One person who knows your whole story.

And here’s the part I love

Your advocate doesn't just help you use what you have. They can also help you find other programs you might qualify for — and then help you apply.

Think about what that means. The forms you've been meaning to fill out. The program your neighbor mentioned that you never looked into. The help you assumed wasn't for you.

Someone looks at your whole situation, tells you what's worth pursuing, and helps you get it done.

That's not just help with healthcare. That's making sure you get every dollar of support you're entitled to.

What does it cost?

Baba's advocates are covered by Medicare. Most people pay nothing out of pocket.

Baba checks your coverage before anything starts. If there's ever a cost, they tell you up front — never on a surprise bill later.

For comparison, hiring a private advocate on your own usually runs $250 an hour or more.

How to get started

Getting started only takes about fifteen minutes.

MATCH ME WITH MY ADVOCATE

Prefer to talk to somebody? Call 917-456-9002.

You've been paying for these benefits for years. Now let someone help you get the full value of them.

— Kwame

P.S. Helping a parent with their Medicare? You can start this on their behalf. Caregivers sign up the same way, and the advocate works with both of you. Bookmark their site: callbaba.com/benefitsinsider

_{Benefits Insider has an advertising partnership with Baba. Baba and Benefits Insider are not affiliated with or endorsed by Medicare or any government agency. Baba is a private advocacy service, not a government program and not an insurance company.}

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