Janet Reynolds

Janet writes Policy65's coverage and plan-letter explainers. She spent over a decade translating insurance and Medicare rules into plain English for consumers, with a focus on the gap between what the official language says and what actually happens at the pharmacy counter or the agent's desk. She holds a degree in journalism and has written about Medicare, Medigap, and senior insurance products since 2010.

How we work

Every page on Policy65 is researched from primary sources — Medicare.gov, CMS program guidance, FDA prescribing information, and NAIC rate filings — then reviewed for accuracy by a licensed insurance professional before it's published. We re-check each coverage page at least once a year, and sooner whenever CMS changes its guidance. Read our full editorial process for details on sourcing, review, and corrections.