Where to Find Housing and Utility Assistance During COVID-19

Where to find housing and utility assistance during covid-19. As the COVID-19 pandemic carries on. Many older Americans are finding their budgets stretched to the limit. The high cost of housing and utilities can be especially burdensome. Here are several places to find help if you’re struggling to pay your rent, mortgage, or home energy […]

Dental Insurance in Layman’s Terms

Types of Dental Plans Dental Insurance in Layman’s Terms. two main types of dental plans are DMOs, or Dental Maintenance Organizations, and Passive PPOs. A DMO is sort of like an HMO. Typically, you must choose a dentist from the plan’s provider network and then get referrals if you need to see a specialist. Payment […]

Open Enrollment includes new coverage option for people with End-Stage Renal Disease (ESRD)

Open Enrollment includes new coverage option for people with End-Stage Renal Disease (ESRD). With Open Enrollment approaching, knowing your options for Medicare coverage is important, especially if you want to change your plan. Starting this Open Enrollment, if you have ESRD, you can enroll in a Medicare Advantage Plan during Open Enrollment (October 15 – December 7, 2020) […]

What is TrOOP or True Out-Of-Pocket Costs

TrOOP is the annual “Total out-of-pocket costs” and was also known before as “True out-pf-pocket costs”. In general, TrOOP includes all payments for Medications listed on your plan’s formulary and purchased at a Network or participating Pharmacy. This includes payments that you made and payments that were made by others on your behalf. If you […]

Health savings account (HSA)

A health savings account (HSA) can provide a triple tax break: your contributions are tax-deductible (or pre-tax if through your employer). The money grows tax-deferred, and you can withdraw it tax-free for eligible medical expenses at any time. And when you turn age 65. You can withdraw the money tax-free for even more expenses. You have to […]