For Seniors

What is SUPER Medicare
There is a new term floating around the healthcare world. Some doctors have been telling Medicare beneficiaries about something called SUPER Medicare. This is not anything new, It’s a nickname that some doctors are giving for Medicare Supplement Plan F and Plan G. What is SUPER Medicare? SUPER Medicare is a nickname for Medicare Supplement
Do Veterans Need Medicare Insurance Benefits
It seems there is more wrong information given to our veterans as they approach 65 than any other group. This is due to a lack of understanding that people have when trying to tie the governmental VA system to Medicare. Hopefully, by the end of this article, there will be a more precise understanding of
Welcome to Medicare Visit
The Welcome to Medicare visit will likely be your first doctor visit Medicare covers. This initial visit requires no copay from you and is usually done by a primary care doctor. Your health care provider will use this visit to track and improve your health as medically necessary. A personal health plan is made for
What is Medigap Coverage Used For?
As you approach the age of 65, you become one of the most popular people in the world. It seems like overnight you start receiving mail from every insurance carrier and company under the sun, and then the phone calls start. There is truly a lot of information that you need to learn and understand.
How Price Transparency Would Impact Medicare Beneficiaries
Health care costs are a source of pain and anguish for many Americans. On January 1st. 2021, the Federal Government implemented a new law that went into effect to force hospitals to be more transparent about their charges. So far less than 20% of all hospitals are in compliance with the new rules. There are

Medicare Coverage for Blood Pressure Monitors
Medicare coverage for a blood pressure monitor is important, especially for beneficiaries with high blood pressure, heart disease, cardiovascular issues, or those on renal dialysis. If your health care provider suggests that you need regular blood pressure measurements, investing in a blood pressure monitor could be essential. Beneficiaries that need ambulatory blood pressure monitoring and
How to Get or Replace Your Medicare Card
Your medical cards are vital pieces of information to keep on you at all times. This works the same with your Medicare card. These have important information about your coverage and the data the healthcare providers need in order to get paid from your insurance company for your visit or service. Your Medicare Card Your

Medicare & Budget Sequestration: What You Need to Know
Medicare is a vital program for many Americans, but it’s also one that’s been in the news a lot lately because of budget sequestration. Here’s what you need to know about how the sequester affects Medicare. Medicare & Budget Sequestration Medicare and the federal budget are in the news lately, as Congress — made up

Medicare Program Will Now Take on Postal Service Retirees
After passing in the house in February, the Postal Service Reform Act of 2022 was passed in the Senate with bipartisan support on March 8, 2022, with a vote of 79-19. The bill will now be passed to President Biden to sign into law. Already-Stressed Medicare Program Will Now Take on Postal Service Retirees Despite

CMS Proposed Rule to Medicare Coverage Waiting Periods
The Centers for Medicare & Medicaid Services recently proposed a rule change that would affect the current Medicare coverage waiting periods. Currently, the rules are pretty reasonable, but these new changes could be a quality improvement for Medicare beneficiaries that fall into certain categories. Eligibility for the Medicare Program To be eligible for the Medicare

Medicare Advantage Plans Deny Needed Care
Although the majority of requests for services and payment are approved, the U.S. Department of Health and Human Services (HHS) has recently reported that Medicare Advantage denies millions of medically necessary care requests. About 28 million beneficiaries are enrolled in Medicare Advantage plans, which offer privatized versions of Medicare that are often cheaper and provide

What is the Difference Between HMO and PPO
One of the most confusing topics when it comes to Medicare is what’s the difference between an HMO and PPO health care plan. We’ll explain what HMO and PPO plans are and highlight the tradeoffs. Then we’ll provide you with a self checklist to help determine which plan is best for you. How Are HMO

Understanding Health Savings Accounts with Medicare
If you’re almost eligible for Medicare and you have a Health Savings Account, it’s important to understand how your coverage will work. A Health Savings Account (HSA) is an account where money is set aside to cover qualifying medical costs. When it comes to any insurance there are guidelines you’ll need to follow, keep reading

Will Medicare Pay for Physical Therapy
Losing your mobility can be devastating. It reduces your independence and compromises your quality of life. Unfortunately, most physical therapy isn’t cheap. But how much will it cost you as a Medicare beneficiary? It’s a tough thing to estimate. But the good news is that Medicare will pay for some of those costs. Let’s break

Preparing for a Medicare Home Safety Assessment
The older you get, the more important it is that you make sure your home is a safe and secure place for spending your golden years. Statistically speaking, one in four older citizens will suffer a catastrophic fall this year — and it’s not uncommon for such falls to cause serious injury or death. Thankfully,

Does Medicare Pay for Nursing Homes
Many beneficiaries make the mistake of assuming that Medicare pays for nursing homes. Unfortunately, this isn’t true. But Medicare will pay for nearly identical care on a short-term basis. If you need help paying for a nursing home, keep reading. There are cost-saving alternatives other than Medicare. Types of Nursing Home Care Covered by Medicare

Does Medicare Cover Speech-Language Pathology
If you are having any physical issues where your speech is impacted, it’s difficult to know without prior experience if Medicare will pay for those associated costs. Speech-language pathology (also known as speech therapy) issues at this age can be a symptom of other medical issues, so keep reading to see how Medicare will cover

Does Medicare Cover Prosthetics
If you’ve recently enrolled in Medicare, you may be wondering: do my benefits include prosthetics? Right now, over 2 million U.S. citizens rely on prosthetics to live their happiest, healthiest lives. The good news is yes, Medicare does cover prosthetics. But it doesn’t cover everything. Let’s take a look at what Medicare does and does

Understanding Your Medicare Explanation of Benefits
The Medicare Explanation of Benefits outlines the health care services and products received by the policyholder. The Explanation of Benefits can be used by policyholders to understand how their health insurance plan works and verify whether they have been overcharged for services. Understanding Explanation of Benefits An Explanation of Benefits can be confusing to read,

Does Medicare Pay for Pregnancy
Medicare is a government-run health insurance program that provides coverage for Americans over the age of 65. It also covers some younger people with disabilities. Does Medicare pay for pregnancy? The answer to that question is a little complicated, but we’ll break it down for you in this article. It would seem like this would

What is a Medicare Expansion
You may have been hearing a lot on the news lately about Medicare expansion states and might have a lot of questions about it, like which states are expanding Medicare? When is it happening? And how will it affect you? It’s a bit of a confusing subject, but it’s not all that complicated once you

Setting Appointment of Representative for Medicare
Medicare beneficiaries have the right to appoint a representative of their choice to help them with their Medicare. This can be a loved one, friend, or family member. This article will discuss how to set up an authorized representative and what they can do on your behalf. Having assistance from a trustworthy representative to help

Medicare Coverage for Occupational Therapy
Once you’re enrolled in Medicare, there may come a time in your life when you need occupational therapy. But will Medicare help you pay for it? And what out-of-pocket costs should you anticipate before you start getting treatment? We can help you answer all of these questions and more. Occupational Therapy Services Covered By Medicare

Medicare Medical Transportation Services
It’s almost inevitable that you will require medical transportation at some point as you age. But did you know some of that is easily covered by Medicare? It’s true! But it’s not the default, and you may not be eligible under certain circumstances. Below, we’ll go into more detail about which medical transportation services are

Types of Biopsies Covered By Medicare
If you’re Medicare-eligible and need a biopsy, it’s essential to understand your Medicare coverage. A biopsy is a procedure in which cells or tissues are removed from the body for examination. Medicare may cover some or all the costs associated with this procedure. Still, the coverage will vary depending on your Medicare plan. We’ll discuss

Does Medicare Cover Allergy Shots and Testing
If you’re affected by allergies, Medicare coverage could help cover the cost of doctor and laboratory services necessary to make you feel better. When your doctor prescribes allergy testing, it’s important to understand how your Medicare insurance works for those and allergy shots. The information below will tell you everything you need to know about

How To File A Medicare Appeal
If Medicare denies you coverage on a service and you disagree with their decision, you can file a Medicare appeal. Depending on your circumstances, the appeals process may be slightly different. When you decide to file an appeal, ask your health care provider to provide you with any details that will help you present your

Medicare at 60 – Here’s What You Need to Know
During the last half of 2021, while legislators were trying to put together the finer parts of the Biden administration’s Build Back Better plan, there was talk of lowering the qualifying age for Medicare from 65 years of age to 60. It was a very popular measure that many retirees supported; unfortunately, it was removed

How To Fight A Hospital Discharge with Medicare
If you’re on Medicare and you believe your services are ending too soon or you’re receiving discharge orders prematurely, you can ask for a fast appeal to fight the hospital discharge. With a fast appeal, the independent reviewer can determine if your services should continue. You may decide to file a fast appeal if you

Is Medicare Mandatory
Medicare is a huge benefit for those who’ve earned access to it. However, there could be situations where it might be more beneficial for you to delay or eschew Medicare altogether. But you want to be sure it’s the best move, so read this comprehensive breakdown. Is Medicare Mandatory For Eligible People? Medicare is not
How to Move to Another State with Medicare
Suppose you’re on Medicare and considering moving to another state. In that case, it’s advisable to learn more about how Medicare works in the new state before you move. You may also need to adjust your expectations for premium or coverage choices. How Does Moving Affect Medicare? Suppose you’re planning to move from one state

Does Medicare Cover Inpatient Rehab Care
Sometimes an illness or major surgery can lead you with a road to recovery that can’t start at home. That might require the use of inpatient rehabilitation (or rehab) care to return you to full health. But you might be wondering if Medicare will absorb the costs of inpatient rehab care. Read more to find

Does Medicare Cover Funeral Expenses
Funeral expenses are not covered by Medicare. The fact is that Medicare coverage ends when your life comes to an end, in a manner of speaking. According to USA Life Insurance Services, the typical cost of a funeral in 2021 was $9,135.2. However, that number can vary greatly depending on the chosen funeral home, the

Does Medicare Pay For Organ Transplants
Medicare coverage for organ transplants can be a little confusing. We’ll discuss how Medicare covers organ transplants and the requirements for a procedure to receive coverage. We’ll also discuss how Medigap and Medicare Advantage plans cover transplants. Generally, Medicare covers organ transplants if they are “life-saving”. For Medicare to cover a transplant, the procedure must

How Does Medicare Cover Medical Nutrition Therapy
Medicare will cover Medical Nutrition Therapy services for those with a qualifying disease. There is a limit to the number of visits you get each year for nutrition services. In this context, we’ll discuss helpful information about Medical Nutrition Therapy (MNT), dietician services, nutrition counseling, and more. Does Medicare Cover Medical Nutrition Therapy? Medicare will

Does Medicare Cover Home Health Care
In some Medicare recipients’ lives, there could come a time when home health care is a necessity to continue living a quality life. But those same beneficiaries may be wondering if Medicare covers home health care? The simple answer is that Medicare covers some home health care services. Continue reading to learn more about this

Does Medicare Cover Hip and Knee Replacement Surgery
Medicare will help cover hip and knee replacement surgery that is medically necessary. If your primary care provider is suggesting knee or hip surgery, it’s likely necessary. With Medicare, you may still be responsible for copays or deductibles, a Medigap plan can help cover some of those costs. Continue reading to better understand Medicare coverage

Medicare Coverage for Lift Chairs
If you have trouble getting out of a chair or sitting down in a chair, you probably questioned whether Medicare will cover a lift chair. This device is one that you may need for safety or comfort reasons to help get from the sitting position to the standing position and vice versa. In this context,

Does Medicare Cover Heart Bypass Surgery
If you need heart bypass surgery, you may be curious to know if Medicare will cover the procedure. You may need a double, triple, or quadruple bypass surgery in some instances. All these surgeries are lifesaving procedures, so it makes sense that Medicare coverage is available. Keep reading to better understand how Medicare covers heart

Does Medicare Cover Liposuction
While Medicare doesn’t generally cover liposuction, the program will cover the procedure if it’s medically necessary to restore function after an illness or injury. There are many reasons a person may want liposuction, but cosmetic reasons won’t get you coverage with Medicare. Keep reading to discover if Medicare will cover a portion of your liposuction

Does Medicare Cover Mental Health
Medicare covers mental health treatment and will also cover procedures for early detection and therapy. You may obtain psychotherapy, counseling, psychiatric care, and other services as a beneficiary under Medicare. We’ll look at how Medicare covers mental health in this section. How Does Medicare Cover Mental Health Services? Mental health care is covered by either

Does Medicare Cover Dermatology
Those that have skin issues or specific health conditions that require dermatology care, will have coverage through Medicare Part B. Whatever the reason, your visit must be medically necessary. If you have any additional Medicare insurance, that could affect your coverage or costs, so keep that in mind while reading. Now, let’s get into the

Does Medicare Cover Medical Alert Systems
While Medicare doesn’t cover medical alert systems, you may find a Medicare Advantage plan that does provide coverage. There are various types of medical alert systems on the market, depending on your needs one may be better than another. A medical alert system is beneficial, especially for those that are often alone. In the event

What Disabilities Qualify for Medicare Under 65
The thought surrounding Medicare is that it’s only for those aged 65 or older. However, that’s not always the case. In fact, Medicare Under 65 exists for those who have qualifying medical conditions. But how do you know what those conditions are, or if you can start Medicare before age 65? Keep reading for all

The Medicare Annual Wellness Visit
Those with Medicare Part B for longer than 12 months can get a Medicare Annual Wellness Visit to update a personal disease prevention plan. The prevention plan is based on your current health risk factors. For the most part, this visit is a conversation with your doctor about health risk prevention and routine measurements. What

How Medicare All-in-One Plans Work
Medicare is a true benefit for those who need it. But it is not fully comprehensive. That’s why a Medicare all-in-one Plan (also known as a Medicare Advantage plan or Medicare Part C) can take over administering your Original Medicare benefits and sometimes even add coverage for items that Medicare doesn’t extend. But how do

Does Medicare Cover Surgery
For many people, having a surgical procedure for any number of reasons is a common occurrence. But for older Americans, it’s a valid question to ask if Medicare covers surgery. Then, if so, what exactly does the program deem worthy of coverage? Besides Original Medicare, there are also Medicare Advantage and Medicare Supplemental plans that

Does Medicare Pay for Assisted Living
Getting older sometimes means you require more help than in your younger days. So it’s important for those thinking they might need assistance to know if Medicare pays for assisted living. Read more to find out what assisted living options there are and what — if anything — that Medicare provides coverage for. Medicare Coverage

Does Medicare Cover Plastic Surgery
For one reason or another, Medicare recipients may feel they need — or even want — plastic surgery. But the big question is if Medicare covers plastic surgery? The answer to that is not straightforward. In fact, it’s really on a situation-specific basis. Keep reading to find out more about how Medicare and its various

Does Medicare Cover Bariatric Surgery
Medicare does cover some bariatric surgery procedures like gastric bypass surgery and lap band surgery when you meet specific requirements. Generally, the Centers for Medicare and Medicaid Services (CMS) requires you to meet health conditions relating to morbid obesity. Keep reading to learn more about Medicare coverage for bariatric surgery procedures. Does Medicare Cover Bariatric

Medicare Coverage for Orthotic Braces
If you have problems with your neck, shoulder, back, knees, or ankles, chances are you’ll need an orthotic brace. But will your Medicare cover this for you? Orthotic devices are devices applied to the body to support align, or improve the movement of joints, spine, or limbs. The good thing is that Medicare covers them

How To Apply For A Medigap Plan
Original Medicare is a great benefit for older Americans to receive. But as good as it is, Medicare won’t cover everything. That’s why it’s important to know how to apply for a Medigap plan if you decide you need one. While it’s not an overly complicated process, increasing your knowledge about how Medigap works and

Does Medicare Provide Coverage for Dementia
Medicare covers many services you’ll need if you have dementia, but not all. From testing to skilled nursing facilities, it’s important to understand how your coverage works. Some costs you should anticipate having to pay for include long-term care and custodial care. You may even decide to choose additional Medicare coverage to help cover the

Medicare Coverage for Chiropractic Services
As alternative therapies grow in popularity, you may wonder if Medicare would cover chiropractic care. Well, in certain situations, Medicare will cover chiropractic care. To learn more on when and how Medicare covers chiropractic care, keep reading. Does Medicare Cover Chiropractic Care Services? Medicare will cover manual manipulation of the spine done by a chiropractor

What’s the Medicare Trust Fund & How Is It Funded
How is Medicare funded is a funny question because there are so many answers depending on who answers your question. Some will say it’s primarily funded through general revenue, payroll taxes, and beneficiary premiums. The Center for Medicare and Medicaid Services (CMS) says Medicare gets its funding from the Medicare Trust Fund. Well, there are

Medicare Coverage for Grocery Store Delivery
Those on Medicare know grocery shopping isn’t easy when you have chronic pain or health issues. For many people, it’s a hassle to get to the grocery store let alone pay for groceries. Would Medicare be able to help with the cost of grocery delivery? The short answer is no. But there are additional Medicare

Medicare Low-Income Subsidy Programs
Understanding Medicare and Low-Income Subsidy programs can seem overwhelming at first. But the best thing to do is to apply for the subsidy. Those programs will sometimes approve you when your income is slightly higher than the maximum, in some cases. There are times when you must submit several applications for Extra Help before any

8 Factors That Can Impact Your Medigap Rates
Medicare Supplement rates vary dramatically on several factors, including where you live and how old you are. Still, there are other items taken into consideration when trying to get a Medigap rate. Most companies that promise online quotes will not actually provide this information to you. Mainly because they can’t provide you with an accurate

Coordinating Medicare and COBRA Coverage
Medicare and COBRA can work together in certain situations, but does it make sense to have both? COBRA is the Consolidated Omnibus Budget Reconciliation Act; this legislation helps provide medical insurance to employees that would otherwise lose health coverage during an employment loss. Medicare is insurance designed for those aged 65 and over or for
Does Medicare Cover Acupuncture
Many people on Medicare wonder if the federal health program covers alternative therapies like acupuncture. While there is one instance where Medicare will cover acupuncture, under any other circumstances there isn’t any coverage. Let’s discover how to get Medicare coverage for acupuncture. Does Medicare Cover Acupuncture in 2022? Medicare will cover acupuncture if you have

Can an Employer Reimburse an Employee for Medicare Premiums
Employer Reimbursement on Medicare costs can save you from choosing between employer group coverage and Medicare. When this program is available to you, there are many options but before you choose it’s important to verify the terms of coverage with your Human Resources department. If you’re eligible, you must have so many questions about how

What’s the Current Medicare Tax Rate
Part of the reason the government has enough money to offer Medicare in the first place is that working adults have their Medicare taxes withheld from their paychecks throughout their working years. It may be annoying not to have control over that money in the present, but being eligible to enroll in a fairly comprehensive

How Medicare Star Ratings Work
The Medicare star rating system measures how well Part C and Part D plans perform in several categories. The highest rating a plan can get is 5 stars and 1 star is the lowest rating. Medicare will review plan performances every year and assign new star ratings in the fall. But what is the determination

Are Medicare Premiums Tax-Deductible
Even though Medicare is fairly comprehensive and subsidized by the federal government, you could still end up paying hundreds if not thousands of dollars in out-of-pocket expenses every year. So you may be wondering if Medicare premiums are tax-deductible. Can I Claim Medicare Premiums As A Tax Deduction? The good news is you can deduct

When Can I Change Medicare Plans
When you want to change your Medicare plan, there are eligibility guidelines and enrollment periods you’ll need to follow. Switching your insurance plan is simple and can be done over the phone, but there may only be certain times of the year you’re eligible for a change. Below we’ll discuss everything you need to know

Does Medicare Cover Hearing Aids
Nearly everyone with working ears will experience hearing loss at some point in their lives. Hearing loss is especially common in older folks over the age of 65. So you’d think that such a common medical problem would naturally be a part of your Medicare benefits; sadly, though, hearing aids are rarely covered by Medicare.

Medicare and FEHB
Active or retired federal employees can have Federal Employee Health Benefits (FEHB) and Medicare. If you have or plan to have both, you may be wondering how your coverage works. FEHB plans coordinate benefits in the form of a Health Maintenance Organization (HMO) or Fee-for-Service (PPO). There are several health insurances routes you can take

Is Medicare Really Free
The American Medicare health insurance program covers many of the most necessary medical benefits for recipients at a greatly reduced cost. Unfortunately, Medicare is not really free. There are certain costs that you must share with the government in order to get the health care you need. Below, we’re going to go over those costs

What Does Medically Necessary Mean to Medicare
You might think that any treatment, drug, or medical device that your doctor recommends for you would be deemed a medical necessity to Medicare — but you may be surprised to learn how often that isn’t actually the case. There’s a lot that goes into determining what is and isn’t medically necessary. But it’s an

Medicare’s Coverage of End Stage Renal Disease
As you get older, there are a handful of serious diseases that can make it expensive for you to get medical coverage. End-Stage Renal Disease (ESRD) is one of those. But as long as you manage the disease properly, you can live a long and relatively high quality of life even with less than optimal

Medicare Coverage for Telemedicine & Telehealth
These days, many Medicare beneficiaries are curious about telemedicine and telehealth. The good news is that yes, Medicare covers certain types of telemedicine and telehealth care. But not everything receives coverage. Depending on the type of care you need, certain telemedicine services might not be available (or be prohibitively expensive). Keep reading to learn more.

Breaking Down Medicare Fraud, Waste & Abuse
Medicare fraud, waste, and abuse aren’t new issues in the healthcare industry. In fact, Medicare loses billions of dollars annually because of these issues. When you report, there is an option to remain anonymous so that all information is confidential. But fraud, waste, and abuse can take many forms, and sometimes it’s harder to spot

What Is A Medicare Benefit Period and Calendar Year
Some Medicare deductibles are based on the calendar year, and one is based on a benefit period. Understanding the difference between a benefit period deductible and a calendar year deductible is important for you to better plan your healthcare budget. Now that you got the basics, let’s dive deeper into the details of a calendar

What Is Medicare Extra Help
Medicare beneficiaries with a lower income may qualify for Extra Help paying monthly premiums, yearly deductibles, and copays relating to Part D prescription drug coverage. Assistance could be available to you. Keep reading to learn more about Extra Help eligibility, applications, appeals, and more. What Does Extra Help From Medicare Mean? Extra Help is a

Original Medicare vs. Medicare Advantage
Once your Initial Enrollment Period comes around, you will have a very important decision to make: will you go with Original Medicare or Medicare Advantage? The answer isn’t cut and dry. Depending on factors like where you live, your specific medical needs, and what you can afford, one of these plans may be much better

Differences Between Medicare And Marketplace Insurance
Medicare — the federally funded health insurance program for those 65 years and older — is very different from health insurance which is available through the Health Insurance Marketplace. Also known as “Obamacare”, nearly one-fourth of all Americans who currently have Marketplace coverage will become eligible to enroll in Medicare this year. But should retirees

Top 10 Part D Prescription Drug Plans for 2022
Finding the greatest Medicare Part D prescription drug plan (PDP) can be a challenge, especially when you want something with high star ratings, a lower premium, and great coverage. Well, we’re here to help you compare your options. You probably want to know, which PDP is best? What is the lowest monthly Part D plan

Top 5 Medicare Advantage Plans for 2022
The top Medicare Advantage Part C plan for beneficiaries is the policy that provides each person with the most value. Every man or woman wants their insurance to cover their doctors, have affordable costs, and provide quality benefits. Generally, the more you pay in premiums, the less you pay when you use the insurance. Medicare

Top 12 Medicare Carriers for 2022
There are so many top-rated Medicare insurance companies, finding the best one for you can seem like a never-ending process. But we’re here to help you narrow your search and make your choice. Once you choose the Medigap policy you want, you need to choose the company that will give you that coverage. In the

Medicare For All: How It Will Change The Current Medicare Program
There’s been a lot of talk about Medicare for All and how it might change health coverage in America. But what is it, specifically? Is it a law yet? Will it become law soon? And what does it mean for you and your family? Get the facts about Medicare for All, the pros and the

How Does Medicare Easy Pay Work
If you’re a Medicare beneficiary, you may have heard about Medicare Easy Pay. But do you know how it works? Here, we’ll give you an overview of Easy Pay and explain how you can use it to pay your premiums. We’ll also tell you what to do if you experience problems with the system. So

Medicare Coverage for a Mobility Scooter
As Medicare beneficiaries get older, they may find they need help getting around. A mobility scooter can be a great way to make moving around easier, but you may be wondering how Medicare covers the cost of one. Keep reading to learn more about how Medicare can help pay for your mobility scooter. Does Medicare

What You Need to Know About Your Medicare Costs in 2022
Medicare program costs go up almost every year. And 2022 is no exception. There are important cost changes to both your Original Medicare Part A (hospital insurance) and Medicare Part B (outpatient insurance) benefits that you need to know about. How Much will Medicare Cost in 2022 What is the Medicare Part A Premium for

Medicare and Employer Insurance Coverage
It is possible to carry some Medicare coverage as well as employer coverage if you decide to work past the age of 65. But the rules aren’t the same for everybody. There are many factors involved in whether or not you decide to go one way or the other. And what’s good for you might

Does Urgent Care Take Medicare
When you get sick or hurt suddenly and unexpectedly, it can be difficult to know whether or not your health problem needs emergency treatment. For people who are unsure, urgent care centers exist. Best of all, they’re usually much, much cheaper than actually visiting an emergency room. But most beneficiaries wonder: are they covered by

The Top 3 Medigap Plans for 2022
The top 3 Medigap plans for 2022 are the same options from years before. Since Medigap benefits don’t change each year, the best plans stay the same. Plus, it’s hard to have better coverage than Medigap Plan F, but we’ll get to that in a bit. What are the Top 3 Medigap Plans? Medigap Plans

A Brief History of Medicare
While many people of their generation might take for granted their access to Medicare, it hasn’t been around forever. In fact, it’s younger than those currently on it! Implemented in the latter part of the 20th century, Medicare has a rather brief history. Still, it’s important to know how Medicare has evolved over time since

What is Medicare’s Annual Notice of Change Letter
The Medicare Annual Notice of Change is a letter that beneficiares who are on Medicare receive each year in September. It is often referred to in writing as the ANoC for short. It provides a clear explanation about changes to Medicare which will be happening in the upcoming new calendar year. This letter is important

What Are Medicare Part B Excess Charges
Some doctors accept Medicare, but they don’t take Medicare assignment with Medicare. In those cases, they can bill the patient more than the Medicare-approved amount, called an excess charge. It is not likely that you would see excess charges. Less than 5% of healthcare providers are not-participating providers for Medicare. An excess charge is capped

When to Sign Up for Medicare When Still Working
Many beneficiaries have spent years pursuing a career they love and just aren’t ready to let it go. These beneficiaries may want to continue working and postpone their retirement past 65. However, healthcare options can tend to get a bit confusing if you don’t retire at the age of 65. This is the age when

How to File a Medicare Reimbursement Claim
If you received care that was not automatically covered by Medicare, you may need to file a Medicare reimbursement claim. A beneficiary rarely has to file a reimbursement claim with Medicare, but it can occur. This typically occurs when a Medicare beneficiary sees a medical provider that accepts Medicare but does not accept Medicare assignment.

How to File a Complaint with Medicare
Medicare handles more than 100,000 complaints each year. You aren’t alone if you’re unhappy with an aspect of the federal government’s health care program. If solace isn’t enough, though, you may be wondering about the best way to voice your displeasure. First, you’ll need to determine that your complaint is actually a complaint and not

How Does Medicare Work With Dual Residency
Many Medicare beneficiaries decide to have residences in more than one place. They could be “snowbirds” fleeing south in the winter to avoid the cold and traveling north in the summer to avoid the heat. Some just want residences close to their kids or grandkids, while others live the RV life. Whatever the reason, some

Will Medicare Cover an Adjustable Bed
You may be eligible for Medicare coverage on an adjustable bed if your doctor orders it. There are stipulations for coverage, and coverage may only extend to a rental or loan of an adjustable bed. Keep reading to see how Medicare coverage works for adjustable beds. Does Medicare Cover Adjustable Beds? Medicare Part B does

Medicare Coverage for Stairlifts
If you’re a senior with stairs in your home, you may be wondering if Medicare can help pay for the cost of a stairlift. Generally, no Medicare won’t cover a stairlift even if a doctor orders it. But there may be times when Medicare does pay for a small portion. Also, one type of Medicare

Medicare Coverage for Dental Care Services & Treatments
One of the most common questions asked for insurance agents specializing in Medicare is, “Does Medicare cover dental services?” It’s one of those questions that need more context or information to answer accurately. The answer is mostly no — but yes under some very specific scenarios. We will elaborate further so you know why. Is

Medicare Coverage for Skilled Nursing Facilities
As you get older, you might suffer an ailment requiring time in a skilled nursing facility (SNF). Skilled nursing facilities are any medical facility where doctors, pathologists, physical therapists, and medically trained nurses are all required in order to give you the care you need to get better. But you have to coordinate with medical

How TRICARE and Medicare Work Together
TRICARE is fantastic coverage for retired military veterans. With all the parts of Medicare and TRICARE, it’s essential to understand how they work together and the available options. It’s also easy to wonder if supplemental insurance will get the most out of a person’s health care coverage. TRICARE and Medicare are different. Medicare is a

What is the 8-Minute Rule?
When a person starts Medicare, it can be pretty confusing. Knowing what all of the terms mean will help during each beneficiary’s journey under Medicare insurance. The 8-Minute Rule is one to know and understand. Some providers also have a limited understanding of these rules, leading to underbilling or delayed reimbursement errors. Service-based healthcare providers,

Medicare Coverage for Cardiovascular Conditions
It’s no secret that keeping your heart healthy is essential in living a quality life. Yet, heart disease is the leading cause of death for Americans. It affects nearly half of Americans and kills about 647,000 every year. So while it’s up to you to help keep that blood-pumping organ in tip-top shape, it’s also

What is Creditable Coverage for Medicare?
When you prepare for Medicare coverage, you start hearing lots of terminologies that you may not be familiar with. Creditable coverage is one of these. We’ll explain creditable coverage in a way that will leave you confident that you understand what it is and how it applies to your Medicare coverage. What is Considered Creditable
What is The Birthday Rule for Medicare?
Enrolling in a Medicare Supplement requires medical underwriting unless you’re in a guaranteed issue situation or open enrollment. There are 7 guaranteed issue situations, and open enrollment is when you start your Medicare Part B. Some states have additional rules that allow you to change your Medigap plans annually. The Medicare Birthday Rule is one

Medicare Cover for Medical Marijuana
If you’ve recently become a medical marijuana patient, you may be wondering if Medicare will help cover some of your dispensary costs. Unfortunately, Medicare won’t cover a marijuana prescription. But there may be instances when Part C or Part D could help with cannabinoid-based medications. While Medicare won’t cover your medical marijuana prescription, there may

Do You Need a Supplemental for Medicare if You’re Healthy?
When approaching Medicare, many soon-to-be Medicare beneficiaries are surprised to find out that Medicare has a cost. For many, they have worked all their lives and paid into the system for 30 or more years. Once they get close to Medicare, they find it costly. The costs of Medicare are usually considerably less than group

Medigap Plan F vs. Plan G vs. Plan N
Comparing Medigap Plan F vs. Plan G vs. Plan N is common for most people on Medicare. The debate of paying higher premiums for lower out-of-pocket costs vs. paying lower premiums for higher out-of-pocket costs is a matter of preference. Your preference could determine the plan that is most suitable for you. Let’s compare Plan

Medicare vs. Medicaid
You may have Medicare, Medicaid, or in some cases both. These programs are different in several ways. Let’s compare Medicaid vs. Medicare to give you a better understanding of these two government-funded programs. What are the Differences Between Medicare vs. Medicaid? Medicare is a federally funded program and Medicaid is a state-funded program. These programs

Does Medicare Cover Hospice?
Hospice care isn’t something people like thinking about, but the focus of hospice is a patient’s quality of living at the end of life. Medicare hospice includes a core team that provides medical, psychological, and spiritual support for terminally ill patients. The Medicare hospice team can include nurses, doctors, volunteers, home healthcare aides, and counselors.

Will Medicare Pay for a Wheelchair
Medicare beneficiaries with limited mobility may qualify for help paying for a wheelchair. Under Medicare, a wheelchair is considered Durable Medical Equipment (DME) and similar rules for coverage apply. Let’s learn more about how to get Medicare to cover your wheelchair, the documents you’ll need for coverage, your costs, and how Medicare insurance can help

Medicare Vision Coverage for Routine Care & Diseases
Medicare covers vision services if it’s deemed medically necessary. For many beneficiaries, their vision is medically essential to them, but Medicare doesn’t see it that way. Does Medicare Cover Vision? Original Medicare won’t cover routine eye examinations, treatments, or glasses unless tied to a medical condition. Medicare Part B will cover routine preventative and diagnostic

Does Medicare Cover My Care When I Travel?
In most cases, Medicare doesn’t cover medical care outside of the United States or its territories. But there may be situations where some coverage is available. Keep reading to learn more about how Medicare works when traveling, understand when you need travel insurance, and which plans can provide international medical coverage. Does Medicare Cover You

Medicare Coverage for the Shingles Vaccine
Traditional Medicare doesn’t cover the shingles vaccine, but a Part D plan could provide you with benefits. While Medicare doesn’t cover the vaccine, Part B will cover the doctor’s visit that gets you a prescription for Shingrix. Those of us that had chickenpox know how awful it felt and want to be sure we get

Does Medicare Cover a Colonoscopy?
Medicare covers colonoscopies differently depending on two factors — if a person is at risk and where the procedure is completed. If someone is classified as high risk for colorectal cancer, screenings are available every 2 years. Otherwise, beneficiaries can expect screening coverage every 10 years. How Does Medicare Cover a Colonoscopy? Colonoscopy can be

Why You Need A Medicare Agent
As you are ramping up to start Medicare and Social Security, you realize that there is a ton of information on Medicare, plans, options, and how they work. Unfortunately, there is a lot of misinformation, and people looking to take advantage of soon-to-be Medicare beneficiaries that are not educated on how Medicare works yet. Insurance

Medicare Flex Cards: What You Need to Know
A new benefit getting a lot of attention is Medicare Flex cards. These cards allow you to buy specific items instead of using money out of your pocket. The products and services you can use the flex card on will vary according to the plan you select. These cards are debit cards typically linked to

Explaining Medicare Assignment
Medicare assignment is a term used to describe how a healthcare provider agrees to accept the Medicare-approved amount. Depending on how you get your Medicare coverage, it could be essential to understand what it means and how it can affect you. Understanding the Medicare-approved Amount Medicare sets a fixed cost to pay for every benefit

Does Medicare Cover Cancer Treatment
Cancer is one of the most invasive and deadly conditions of all time. One of every two men and one of every three women will get cancer in their lifetime. The American Cancer Society reports over 4,500 people receive a cancer diagnosis daily. Fortunately, more people are living through and beating cancer. Medicare covers cancer

Medicare Coverage for Durable Medical Equipment
Many Medicare beneficiaries use equipment to treat or maintain their health. This equipment comes in many shapes and sizes. Medicare Part B covers medical equipment as Durable Medical Equipment, sometimes referred to as DME. What is Durable Medical Equipment? To be classified as Durable Medical Equipment, the device must meet specific criteria. The equipment must

Medicare Coverage for COVID-19 Vaccines, Tests, & Treatments
Those on Medicare are the most vulnerable to COVID, coverage for this group of people is perhaps the most important. Whether it’s COVID testing, treatment, or vaccines we have the information on Medicare you need to get through this pandemic. Does Medicare Cover Testing for COVID-19? Medicare Part B will cover COVID-19 testing ordered by

Will Medicare Beneficiaries See a Reduction in their Part B Premium?
On May 27, 2022, the Centers for Medicare & Medicaid Services (CMS) published a report that said projected 2023 cost savings for Medicare Part B should be passed on to the program’s beneficiaries. In turn, this should mean a reduction in the premium in 2023. The final determination will take place in the Fall of

Income Related Monthly Adjusted Amount (IRMAA)
Most people on Medicare pay the standard Part B and Part D premiums. However, some pay more. An income-based sliding scale is used to determine your Medicare Part B and Part D adjustments. What is Income Related Monthly Adjusted Amount? IRMAA stands for Income Related Monthly Adjusted amount. A surcharge is added to your Medicare

Guide to the Medicare Program
Medicare is a federal healthcare program designed to serve people over the age of 65, or those on SSDI. A Brief Look at the Federal Medicare Program The federal Medicare program has been around since the summer of 1965 when then President Lyndon B Johnson signed the bill into law. The original bill that is

Will Medicare Pay for a Walk-in Tub
Medicare does cover Durable Medical Equipment (DME), but do walk-in tubs fall under the DME umbrella? In this article, we’ll talk about Medicare coverage and how to get help paying for your walk-in tub or bathtub conversion. Does Medicare Cover Walk-In Tubs? The short answer, Medicare won’t cover your walk-in tub or help with the
Medigap vs Medicare Advantage
Medigap and Medicare Advantage are the two main plan options available to you when you become eligible for Medicare. Depending on your situation and healthcare preferences, one plan is likely going to provide you with more value. We’re going to compare Medigap vs Medicare Advantage this way you can make the most informed decision when

Medigap Guaranteed Issue Rights
Guaranteed Issue (GI) rights, also known as “Medigap Protections”, are your right to have guaranteed access to certain Medicare Supplement policies when specific situations occur. Generally, you qualify for a Guaranteed Issue right if your current coverage changes or if your service area changes. But there are still other ways to qualify for a Guaranteed

What is the Medicare Coverage Gap
The coverage gap is also known as the donut hole for Part D prescriptions. Most Medicare plans have a coverage gap, but sometimes in select areas, there are plans available that cover more than the standard amount. If you find a plan that includes gap coverage, it’s likely to have a higher monthly premium. What

What the Build Back Better Plan Means for Medicare
Anytime the government starts talking about bills that affect Medicare, we all get a little nervous. Inflation this year has not only caused many Medicare beneficiaries to be a little lighter in their pocket. From gas to food and everything in between, we are all paying more. The Build Back Better plan may put some

Does Owning a Home Affect Medicare?
Many beneficiaries wonder if owning their home will affect their Medicare benefits. Medicare doesn’t limit enrollment based on resources or income. Unless the sale of your home is taxable income, your Medicare won’t be affected. If you sell your home for taxable income and make a hefty profit, there may be an increase in your

What is Medigap, Actually?
Medigap is actually a Medicare Supplement policy. These plans cover the gaps of Medicare, which is why they are called “Medigap.” With Traditional Medicare, you’ll pay 20% of the cost of your medical bills, with no Maximum Out-of-Pocket. Plus, there are deductibles and other gaps in coverage. The perk of Original Medicare is that you

What Does Zip Code Have To Do with Medicare?
It may come as a surprise the difference in Medicare options by zip code or state. Medicare programs vary depending on where you live. Medicare is a federal program so benefits are country-wide. But, when it comes to planning options, some areas may offer a plethora of coverage options while other, usually more rural areas,

Do I Really Need Supplemental Insurance With Medicare?
Have you ever considered obtaining supplemental insurance? If so, did you also have an Original Medicare plan? Deciding whether or not to purchase a supplemental insurance plan can be a difficult decision. Although it may be a dubious choice at first, you may stand to benefit by purchasing a plan to supplement your Original Medicare.

Medicare Savings Programs (MSP)
The Medicare Savings Program (MSP) helps low-income Medicare beneficiaries with some Medicare costs. There are several types of Medicare Savings Programs depending on income, and they assist with Part B premiums, coinsurance, deductibles, and other costs associated with Medicare. Medicare Savings Programs There are several categories of MSPs. Each type of MSP is dependent on

Medicare Penalties for Late Enrollment (LEP)
When you’re first eligible for Medicare, it’s crucial to verify and do a few things to ensure you don’t receive a penalty for late enrollment into different parts of Medicare. How Medicare Late Enrollment Penalties Work Different parts of Medicare come with late enrollment penalties. These penalties fall under Part A & Part B. There’s

Conditions that May Cause a Medigap Denial in Coverage
Medicare Supplement plans require medical underwriting in most cases. Insurers have different guidelines their underwriting departments use. Just because you cannot get coverage with one carrier does not mean another won’t accept you. To be medically underwritten means that you must answer medical questions and allow the company to look into your health history. As
Does Medicare Cover Viagra
The short answer is no, Medicare does not cover viagra. Yet, truth be told, it is a little more complicated than it seems. As of now, 15-25% of men 65 years and older currently struggle with symptoms of erectile dysfunction. Unfortunately, Original Medicare coverage does not include prescription drug coverage. But that’s just for Original

What Can Cause You to Lose Your Medicare Benefits
Medicare is a very stable form of health insurance. It’s meant for beneficiaries 65 or older as well as people with disabilities to use indefinitely. Yet there are several circumstances, both within your control and out, that can cause you to lose all or part of your Medicare coverage. The good news is even if

Medicare For Dummies
If you want all the details on Medicare for Dummies without reading a whole book, you came to the right place. We’re going to skip the introduction and get right to the point. In this text, we’ll discuss how to get started with Medicare, costs, coverage, eligibility, and enrollment. Medicare for Dummies If you’re 65

Can Medicare or Medicaid Take Your Home
As we move into our golden years, our income usually gets lower, and sometimes we get in a situation where health care bills add up. It could be a situation where we are moving into an assisted living facility and want to keep our home to pass on to our children. When this happens, we

Does Medicare Cover Pre-Existing Conditions
Pre-Existing conditions won’t prevent you from getting Original Medicare, but they can have an impact on Medigap eligibility. If you have Medicare or an Advantage plan, you have coverage for Medicare benefits no matter your pre-existing conditions. Here are the details on how Medicare and Medicare programs work with pre-existing conditions. Does Original Medicare Cover

Which Medicare Plans Include SilverSneakers
Fitness is an essential part of staying healthy. Staying fit as you age will help ensure you are healthier longer and live a vibrant life. When retiring, we transition to a paycheck to live off social security. Cutting costs become necessary, and gym memberships are one of the first things to go. Thankfully some options

How to Avoid Medicare Scams
Oh, the joy of spam calls. We all get them constantly, it seems. They call about everything, and it seems impossible to get the calls to stop. Unfortunately, there are people out there who prey on the unsuspecting, especially our Medicare beneficiaries. Avoiding Medicare scams can be easy, but you need to know what to

How to Cancel or Terminate Your Medicare Coverage
Are you looking to cancel your Medicare benefits? There are certainly reasons to end coverage. You may have a better insurance plan through work or a union. However, canceling Medicare benefits can have some serious repercussions. It’s very important to understand how canceling now will affect you in both the short and long term. Canceling

How Can Medicare Advantage Plans Be Free
Nowadays, we here free thrown out and used all the time. It’s hard to turn on the TV and not hear people arguing about free healthcare, free college, etc. The more you educate yourself on a topic, the more you learn that “free” isn’t truly free. This also applies to Medicare Advantage plans, they are

Average Cost of Medigap Insurance Plans
The average cost of Medigap insurance depends greatly on several factors such as gender, location, and age. The plan you choose will impact the price; a policy that provides more coverage will have a higher premium than a plan that provides less coverage. Let’s look at how variables can affect the average Medigap cost. What’s

Why Medicare Advantage Plans are Good
Medicare Advantage plans are another way to receive your Medicare benefits. They come in many types and options. I’m sure you have seen a million commercials about zero-dollar premiums, all-in-one plans that include dental, vision, and hearing, and see if you qualify for a reduction of your Medicare Part B premium. A rational person thinks,