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While their names may sound alike, Medicare and Medicaid are two different programs. Both are government programs that can help you pay for healthcare and medical expenses, but that’s about all they have in common. Medicare is a federal insurance program for people who are 65 years or older, and for some people with disabilities. Medicaid, on the other hand, is a joint federal and state program that helps people with limited resources pay for […]

Unfortunately, when it comes to vision, dental and hearing care, traditional Medicare doesn’t offer much coverage for older adults. If you have supplemental insurance, however, it may pay for some or all of these services, depending on your plan. Original Medicare and Hearing Aids Medicare Part B doesn’t cover the cost of hearing aids or the exams needed for fitting one. However, Medicare Part B does cover diagnostic hearing exams if your doctor orders them […]

Each year, Medicare changes the premiums and cost-sharing (deductibles, copays, and coinsurance) you pay for Medicare Part A and Part B. In most years, the changes are not drastic, and the changes for 2021 are relatively moderate. The chart below shows the changes for 2021. 2020 & 2021 Part A & Part B costs at a glance   2020 2021 Part A premium – Most people don’t pay a monthly premium for Part A If […]

If you don’t know about Medicare Advantage plans, it would be in your best interest to look into them as an option for your coverage. There’s a reason 34% of all Medicare beneficiaries are enrolled in one of these plans. Medicare Advantage plans, also known as Part C plans, is an alternative way for beneficiaries to receive their Medicare benefits. Rather than staying on Original Medicare, a Part C plan is offered by private insurance […]

We understand how confusing Medicare can be, that’s why we want to make everything as clear for you. A Medicare Advantage Plan is a type of Medicare health plan that is offered through private carriers. This plan covers all the benefits that are covered under Medicare Parts A and B (Original Medicare) plus extra benefits. You can select from HMOs, PPOs, Private Fee-for-Service, and Medicare Medical Savings Account Plans. Who qualifies for Medicare Advantage? You […]

What is Hospice Care Hospice care is a part of your Medicare coverage that provides patients comfort and familiarity while nearing the end of life. Fortunately for most people, the answer to “does Medicare pay for hospice,” is yes. Original Medicare will pay for hospice once you meet certain criteria. Your hospice doctor and your regular doctor certify that you are terminally ill (life expectancy of six months or less).You accept palliative care (comfort) instead […]

Being familiar with all the different kinds of Medicare programs is crucial to making an informed decision. Everyone’s situation is different, so it is important to study your budget and health to gauge what Medicare program fits you best. One way to start is by reading this informative article that will explain the ins and outs of every kind of Medicare program. If you feel overwhelmed by some of the complexities of certain Medicare programs, […]

Does Medicare cover Naturopathic treatment or Naturopathy As you age, invasive surgeries and expensive treatments may seem like the only option. However, naturopathy, or naturopathic medicine, is increasing in popularity, especially in seniors.  What is Naturopathy? Naturopathy is known as a form of alternative medicine that is based on vitalism and folk medicine. However, Naturopathic Doctors (ND) are licensed and learn the same basic sciences as Medical Doctors (MD). Naturopathic doctors also learn nutrition, psychology, […]

We understand how overwhelming Medicare can be at times. However, no matter which Medicare plan you have you are eligible for certain rights and protections designed for you. These rights are made to protect you when you get health care, ensure you have the services allowed, protect privacy, and against any dishonest practices. These resources include: The Medicare Beneficiary Ombudsman complimentary-consultation/Helps you with grievances, complaints, and any information requests you might have regarding your Medicare. […]

Imagine this. You have just found out that you need a hip replacement. They tell you that you will need to spend three days post-surgery to ensure no infections surface and pain management is controllable. They then explain to you that you will need to go to a rehabilitation center for a month to strengthen your hip muscles. Right about now you must be thinking, ‘who covers what and how much is all this going […]