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Though typical health insurance and Medicare provide some long-term care coverage, many of the costs are left for the beneficiary to cover. — AARP reports that approximately half of all Americans aged 65 and up will need some form of long-term care in their lifetimes. Though typical health insurance and Medicare provide some long-term care coverage, many of the costs are left for the beneficiary to cover. Long-term care insurance helps protect an […]

What is Long-Term Care Coverage

November 21, 2020 in Health / life / Medicare tagged aging statistics / alzheimer's disease / finances / long term care insurance / medicare by Macee Hall

What is Final Expense — What Is Final Expense Insurance and Do I Need It? Final expense insurance, a.k.a burial insurance or funeral insurance, is a type of permanent life insurance that provides coverage to pay for end-of-life expenses and funeral costs. It ensures those left behind have financial support through a challenging time. Facing […]

What Is Final Expense Insurance and Do I Need It?

November 19, 2020 in life / Medicare tagged final expense / finances / Funeral Costs / Funeral Planning / Life Insurance by Jenny McCann

Special Enrollment Period from FEMA — Special Enrollment Period from FEMA Great News. The Centers for Medicare & Medicaid Services (CMS) granted a Special Enrollment Period (SEP) for beneficiaries impacted by FEMA Disaster Declarations. This SEP is for Medicare beneficiaries who could not submit a Medicare Advantage or Prescription Drug Plan enrollment request due to the […]

Special Enrollment Period from FEMA

November 16, 2020 in Medicare tagged current events / Medicare Advantage / prescription drug coverage / Special Enrollment Period by Jenny McCann

When enrolling in or reviewing an existing Medicare policy, make sure to be aware of the rising 2021 Medicare premiums and deductibles. — Medicare’s Annual Enrollment Period is officially underway, and beneficiaries can expect a few changes for the coming year including Medicare rate increases. Beneficiaries can expect to see increases in 2021 Medicare premiums and deductibles. Medicare Part A Medicare Part A covers inpatient services like inpatient hospital, skilled nursing facility (SNF), […]

2021 Medicare Premiums and Deductibles

November 14, 2020 in Medicare tagged Annual Enrollment Period / medicare / Medicare Costs / Part A / Part B by Macee Hall

Those on Medicare who also live on a low-income may qualify for dual eligibility, which could help them cover or significantly lower their health care costs. — Government programs Medicare and Medicaid provide health care cost assistance for tens of millions of Americans each year, but there are sometimes gaps that the programs do not cover. Those on Medicare who also live on a low-income may qualify for dual eligibility, which could help them cover or significantly […]

Dual Eligibility: What You Need to Know

November 12, 2020 in Medicare tagged mediare supplement / medicare / Medicare changes / Medicare Costs by Macee Hall

The American government is currently covering COVID-19-related treatment for those without health insurance. — The current coronavirus pandemic has caused worldwide stress and anxiety, especially for older individuals, individuals with pre-existing health conditions, and those without health insurance. There are options for these groups, however, few Americans are aware that the federal government is currently covering COVID-19-related treatment costs for uninsured populations. Uninsured individuals […]

Federal Government Covering COVID-19-Related Treatment for Uninsured

November 6, 2020 in Health / Medicare tagged COVID-19 / government acts & responses / media / vaccinations by Macee Hall

Although many people know the terms Medicare and Medicaid, it may be easy to confuse the two. — Many Americans are acquainted with the terms Medicare and Medicaid, but few are familiar with the policies each provides. Fortunately, there are many resources available to help you and your family understand your insurance options. Here are some basics to help you navigate Medicare and Medicaid. Medicare Medicare programs are […]

Navigating Medicare and Medicaid

November 5, 2020 in Health / Medicare tagged medicare / Medicare Advantage / Medicare Costs / Medicare Supplement by Macee Hall

With AEP in full swing, take a look at the top 5 CMS changes for 2021. People with End-Stage Renal Disease are eligible to enroll in a Medicare Advantage Plan. At the beginning of 2021, people with ESRD are allowed to enroll in a Medicare Advantage plan. That is also […]

Top 5 CMS changes for 2021

November 3, 2020 in Medicare tagged medicare / Medicare Advantage / Medicare changes / Medicare Costs by Jeffrey Cooperstein

Because of the pandemic’s magnitude, several major health care headlines have gone largely unnoticed. — Over the past nine months, the novel COVID-19 has swept international news headlines. News of the coronavirus continues to emerge as we enter the fall and winter months, but because of the pandemic’s magnitude, several major health care headlines have gone largely unnoticed. Below are three health headlines you might […]

Health Care Headlines You May Have Missed in the Pandemic

October 30, 2020 in Health / Medicare tagged COVID-19 / telehealth / vaccinations / wellness by Macee Hall

Medicaid Spend down — How Medicaid Spend-Down Works Many people mistakenly believe that they can count on Medicare to pay for long-term care services, such as in-home care or an assisted living residence. However, this is not the case. Medicare pays for doctors, hospitals, drugs, and short-term rehab after hospitalization. It does not pay […]

How Medicaid Spend-Down Works

October 28, 2020 in Medicare tagged long term care insurance / Medicaid / medicare benefits by Jenny McCann