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 those costs. […]
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 time. Prices are more flexible [...]
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 under the age of 65? [...]
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. Here is how this [...]
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 work done. There are some [...]
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. […]
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 that should provide you with [...]
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. […]
Many seniors today are planning on working much later into their lives than previous generations have. Because of this many of the rules regarding Social Security and Medicare benefits are a bit confusing. For example, what happens with a senior who continues using their work’s high deductible health care plan past the age when enrollment [...]
Do you or your spouse have a health savings account or an HSA? They are a great benefit that can be coupled with a high deductible insurance plan that is offered by many companies. You may be wondering how your HSA might interact with Medicare or Medicare benefits. Let’s take a look. […]