Blog
A Message to Baby Boomers
(Sorry, I can’t think of any other way to say it) ------------------ 70% of people over 65 are going to need some type of Home Care. YES -- 70% !!! -- (Google it) I’m not referring to medical care – your Medicare covers that. I’m referring to things like: Bathing *...
Affordable Home Care Plans
NO AGE LIMITS! NO MEDICAL QUESTIONS! AFFORDABLE PLANS TO CHOOSE FROM! RATES ARE NOT BASED ON AGE! Click here for video #1 * Click here for video #2 Contact us now for a simple overview and quote. This is a very easy program to understand… and it’s even easier to use!...
American Rescue Plan
You may now be eligible for a significant subsidy (a reduction in the cost of your health insurance) even if you were not previously eligible. Why? Due to the passing of the “American Rescue Plan”. Here’s how you can find out if you’re eligible: Click here....
Long-Term Care Simplified
WHAT IS LONG TERM CARE (LTC)? It is NOT medical insurance. So what does it cover? It covers "Activities of Daily Living" which include eating, bathing, getting dressed, toileting, transferring, continence and dementia. Note: care does not have to occur in a...
Employer Coverage vs Medicare
Some people equate Medicare to an HMO. However, you can choose a "Medicare Supplement Plan" in which you can go to any provider that accepts Medicare - no referral needed! MEDICARE SUPPLEMENT PLAN BASICS: You can go to ANY provider in the U.S.A. as long as they...
Medicare Part B Costs and IRMAA
,For 2020, the base cost of Part B is $144.60 - but it can be more based on your income. The acronym for this cost adjustment is IRMAA (Income-related Monthly Adjustment Amount). To see a chart of IRMAA charges, click here. Note #1 - If you are in one of the higher...
Medicare Part B – What if you lose it?
Short answer: If you lose Medicare Part B it can be a major catastrophe. So if you’re not already set up on auto-pay, you might want to consider it – click here. Note: If you’re drawing Social Security, your Part B is probably being auto-deducted from there. WHAT CAN...
How to Pick a Medicare Advantage Plan
Every year when the new plans come out, I make a spreadsheet of all the benefits - across all the plans. It's amazing to see how similar all the plans are to each other. The biggest differences between the plans (generally speaking) are not even the medical benefits....
What is the Coverage Gap (Donut Hole)?
The cost of the average drug plan is under $30/mo, which barely pays for 1 prescription. The Coverage Gap (donut hole) was meant to control drug costs and keep the program sustainable. Here's how it works: THERE ARE 4 "STAGES" IN A DRUG PLAN (based on a calendar...
Medicare Prescription Drug Coverage
IF YOU HAVE A MEDICARE ADVANTAGE PLAN: Drug coverage is already included in the plan. IF YOU GET A MEDICARE SUPPLEMENT: Drug coverage is not included. You should buy a separate drug plan. GET THE RIGHT PLAN: All drug plans are not created equal. If you're taking...