So many people having different health care needs, it’s important to make sure your prescription drug plan offers the coverage you are looking for. Understanding the Basics Medicare beneficiaries who need insurance for prescription drugs can receive that coverage through Medicare Part D. These prescription drug plans (PDPs) are stand-alone policies that help to cover…
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Limiting charges and excess charges are connected concepts with Medicare, but the link can be confusing. What are they and how do they affect your costs in Medicare? One of the benefits of being enrolled in Medicare is that most costs are set by the Centers for Medicare & Medicaid Services (CMS) for anyone that…
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There are a number of factors that designate what Medicare Part D plans can offer beneficiaries. While defined standard benefits set the bar, the other factors of Part D coverage can influence what you pay out of pocket. Purchasing Medicare Part D is something that’s important to consider for anyone who is enrolled in Original Medicare. These…
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Medicare offers comprehensive coverage for many of the important health care services you may need, but there are waiting periods before your coverage kicks in. How long are they, and can you avoid them? All About Medicare Waiting Periods. For most of us, the only waiting we have to do when it comes to getting…
Read articleWhether Medicare considers something medically necessary or not can define your coverage and what you’ll be paying out-of-pocket. Here’s what you need to know! When you visit the doctor or receive medical services, it’s often covered by your Medicare plan, at least partially. This is because much of the medical care you receive is considered…
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Knowing what to do if your Medicare card is lost or stolen is important. Luckily, getting a replacement Medicare card is easy. Here’s how to get a new Medicare card!
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We talk a lot about what Medicare costs to use, but not how the benefits are financed. Here’s how Medicare is funded, and how we each help ensure enrollees receive affordable health care. There are 61 million people in the United States that are enrolled in Medicare and rely on its coverage to afford vital health care.…
Read articleWhere 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…
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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…
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