Blog Posts
Can your own Social Security benefit grow while collecting a survivor benefit?
“Yes, your own benefit can continue to grow while you collect a survivor benefit. However, we need to clarify how that happens…” "Your own Social Security retirement benefit can potentially grow even if you are already receiving a survivor benefit. This is because...
THE DISEASE FUND (TAF) – providing financial assistance
The Assistance Fund is an independent 501(c)(3) organization that helps patients and families facing high medical out-of-pocket costs by providing financial assistance for their copayments, coinsurance, deductibles, and other health-related expenses. Millions of...
Medicaid cuts in the “One Big Beautiful Bill Act”
Today’s newsletter examines the changes to Medicaid, their potential impact, and the political and legal challenges to the new bill. The majority of these changes will affect non-disabled adults age 18-64, so those age 65 and over don’t need to panic, but some of the...
PROTECT YOUR MEDICARE ID # – Medicare Scams Identified & How to Report Fraud
You might have heard me explain to protect your Medicare ID# on your Medicare cards. Your Medicare ID# is like your Social Security ID#. The same importance. Scammers will randomly make phone calls to sell you something. These items could be durable medical equipment,...
Medicaid and Medicare cover hospice care for people who qualify.
The insured person has been given a life expectancy of six months or less by a physician. The care the person is receiving is comfort care only. The person has Part A in place. The person is enrolled in a Medicare-approved program. There’s no limit to how long you can...
Hospital Observation versus Admitted – What’s Covered?
If you’re staying overnight in the hospital, you’re an inpatient. If you’re at the hospital receiving care for the day, you’re an outpatient. Right? .... Wrong. According to Medicare.gov, “You're an inpatient starting when you're formally admitted to the hospital...
NEEDY MEDS – Find Help with Rx costs (based on income)
Use the Federal Poverty Level (FPL) Calculator to determine your eligibility for Prescription Assistance Programs found on NeedyMeds.org to receive free or discounted medications. Other ways to save on your healthcare cost on NeedyMeds: Use the NeedyMeds Drug Discount...
NEED MORE COVERAGE FOR DENTAL? It’s here!
Check out GUARDIAN DENTAL ..... Dental Insurance, Vision Insurance, Identity Theft/Identity Guard, and Telemedicine Coverages 1. Careington Discount Dental and Vision Plan with EyeMed Vision2. Delta Dental3. Renaissance Dental4. Guardian Dental (age 50 + only) ... you...
Turning Living Rooms Into Senior Centers
“Highly interactive in-home technology brings the (senior) center to you–possibly for free.” “Exercise classes, art therapy, tech education, good conversation. Senior centers provide a lot of value to people who might otherwise be spending most of their time alone....
Inflation Reduction Act for 2025 – Why the Reduced Benefits?
GOOD NEWS! …. The “Donut Hole” is going away – The new Rx total annual out-of-pocket is $2,000 There will be a lot of changes for 2025 and some changes you may not like. It is due to the Inflation Reduction Act. As I understand it, this new Act is a progressive 3...