What Goes into Assisted Living Costs?
You may be wondering why the cost of an assisted living facility for your elderly loved one seems to vary greatly from one place to another. There are several factors that go into determining the costs associated with assisted living. Here are a few of the factors that can affect [...]
Negotiate for Better Rates
We are used to haggling over the price of a car or a home. It is part of the buying process. What about doing the same with an assisted living facility? While you might not think of it at first, negotiating a price for assisted living care happens all the [...]
Gap Insurance Under Age 65
Gap insurance is there to cover the difference between what Medicare covers and what you, the patient are responsible for paying. For seniors over the age of 65 who fully qualify for Medicare there are quite a few different gap insurance programs for you to choose from. What about those [...]
Enrolling in Medicare while still employed by a Small Company
Many people over the age of 65 are choosing to remain in the workforce. As Americans we are living and working much longer than previous generations. While this is a good thing, you may be faced with a decision of staying on your small company’s insurance plan or enrolling for [...]
Medicare and Dental Coverage
You may be wondering about what kinds of dental benefits Medicare offers. Unfortunately, there are no built in dental benefits for Medicare. This means that if you are relying solely on Medicare for all of your health benefits you may be stuck with a hefty dental bill should you need [...]
Medicare Benefits Have no Pre-Existing Condition Exclusions
Many insurance providers have what is called pre-existing condition exclusion. This means that the level of service that is provided to you from that insurance company can change based upon your health. This is not the case with Medicare. […]
The Benefits of Medicare
There are a lot of horror stories about how awful Medicare can be. As with any program there are issues with Medicare. In general the system works very well and provides excellent care for millions of seniors. If you are worried about going onto Medicare, then here are some things [...]
Medicare Part D Low Income Subsidy
Health insurance is expensive. This doesn’t change the older that you get. However there are some government programs that can help. One that is available is a low income subsidy that can help to cover Medicare Part D. […]