Category Archives: Uncategorized

Bits & Pieces

Information Regarding Medicare Advantage Plans Want Your HMO Insurance Plan to Pay? Are you going to see a specialist such as an orthopedic doctor?  Did you get a referral?  Health insurance is changing.  With the exception of original Medicare and many of the pre-Affordable Care Act plans (ACA – also called Obamacare), many plans require…
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Are your Pain Points Covered?

Medicare Advantage Plans Higher hospital co-pays!  High co-insurance payments!! More out of pocket expense!!!  Some people call these “pain points” as they can take a bite out of a savings account.  What can a person do to control their “pain points”? The history: let’s first address Medicare Plans then health insurance for those under age…
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Medicare Enrollment Periods—It’s Complicated!

Medicare Enrollment Period By Beth Cooper Are you over age 65 and still working or your spouse is still working and have Health Insurance through an Employer Group Health Plan (EGHP)?  If so, you may be able to delay enrollment in Medicare Part B.  Again, I said MAY.  The rules for allowing you to refuse…
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Vets – How Are You Going To Pay For Assisted Living?

Veterans Assisted Living Are you a Veteran?  Hats off to you and thank you for your service.   Some say it seems that the US government does not help its veterans to the extent they should.  Now, good news for those qualified veterans who are in great need of help with activities of daily living.…
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CMS Changes May Improve Care for Chronic Illness

Medicare Changes Doctors have complained for years that they’re not paid adequately for time-consuming work associated with managing care for chronically ill older patients: talking with families; and consulting with specialists and pharmacists. Each year Medicare policies (or regulations) are reviewed and changes may be implemented. As of 1/1/2017, under the new rules, doctors will…
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Watch for Health Plan Changes

Have you noticed there seems to be a number of changes this year with health insurance? Whether you are on Medicare or have health plans through an Obamacare Affordable Care Act plan (ACA) or group insurance, it seems deductibles are up, out of pockets are up as are premiums for many. Now: what’s important; for…
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Obamacare: It’s Crazy

Are you buying health insurance? Premiums increasing? As President Clinton said about Obamacare (ACA) (it’s) “the craziest thing in the world”. So, why are heath insurance premiums up so much? Also, why are insurance companies terminating current plans and choosing not to offer new plans. Companies state they are losing money – big money. Blue…
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Health Insurance & Medicare Bits and Pieces

Medicare open enrollment started 10/15 and continues to 12/7.  Obamacare (ACA) open enrollment starts on 11/1 until 1/31/2017.  So, both older and young people will be seeking information during the same time frame. QUESTION:  I received notice that my Medicare Advantage (MAPD)is being cancelled.  What options do I have?  You actually have many options.  The…
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On Medicare – Annual Enrollment Dos and Don’ts

Medicare’s Annual Enrollment Period (AEP) will begin 10/15 and continue through 12/7. The AEP is when most people can change their Medicare Advantage (MA) and Medicare Drug Plans (Part D). So, you will see a flood of commercials and perhaps receive phone calls.  What do you need to know? DOs: If you have an MA…
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Looking at Senior Living Communities – Where Do I Start?

  What is home?  This writer believes home is a major part of our identity. Chances are a married couple bought the home at a very exciting time of life.  Families are raised in the home.  Memories surround each room and piece of furniture. Vibrant bedroom colors may have been chosen by adult children when…
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