What is the Medigap High F Plan? This plan provides the same benefits as standard Plan F after a $2,300 (2019) deductible has been met. The standard Plan F is a Medigap policy that pays the Medicare hospital and medical Parts A and B deductible and co-insurance – the dollars not paid by Original Medicare. Plan F […]
Fidelis Legacy Plan has informed thousands of Eastern New York State Medicare beneficiaries that their Medicare Advantage Flex HMO plan won’t be offered in 2019. Click Here for Copy of Notice in PDF Format. So what happens next? Individuals who don’t take action before December 31, 2018 will lose their prescription drug coverage and […]
In this nearly 16 minute conversation Greensboro North Carolina residents, Bob and Signe Foxworth, talk about their frustration and anxiety of trying, unsuccesfully, to obtain HMO approval for Bob’s preferred out of network prostate cancer treatment. Listen as Bob and Signe explain how peace of mind came when Dan counseled them to revert to Original […]
My thoughts on some of the six excellent questions Elizabeth Rosenthal, author of “An American Sickness,” suggests you should ask at every doctor’s appointment to make sure your medical bills are what you expect. Question #1. How much will this cost? Your provider’s office staff will know the fee a procedure, or series of procedures are billed […]
When you’re first eligible for Medicare, usually when you turn 65, you have an Initial Enrollment Period to sign up for Part A. You usually don’t pay a monthly premium for Medicare Part A (Hospital Coverage) if you or your spouse paid Medicare taxes for 40 quarters, or ten years, while working. This is sometimes […]
Reasons Why New Yorkers Switch Their Medigap Policies: You’re paying for benefits you don’t need. You need more benefits than you needed before. Your current Medigap policy has the right benefits, but you want to change your insurance company. Your current Medigap policy has the right benefits, but you want to find a policy that’s less […]
What is Long Term Care? Almost 70% of people turning 65 will need long term care at some point in their lives. Long term care is when we need help with two or more daily activities such as bathing, dressing, eating or using the bathroom. (i) Care can be provided in a nursing home, assisted care facility or at […]
Annuities, long-term care insurance or a hybrid life insurance / LTC rider are better options than trying to go-it-alone.
39% of U.S. adults care for someone with significant health issues, up from 30% in 2010.