BLOG

Medicare does not cover long-term care after 100 days

This article is 1st in a Series on Long Term Care.

As life expectancy continues to climb, more Americans are facing a question that few are prepared to answer: “What happens when I need long-term care?” Long-term care (LTC) is no...

Steps to Take If Your Medical Claim is Denied

You probably have heard that Medical claims sometimes get denied by insurance companies. Sometimes, the insurance company denies the claim simply because Medicare or the policy does not cover that service. Sometimes, there are coding errors. Coding errors and incomplete information...

Using an Annuity in Retirement Planning

An annuity is a contract with an insurance company designed to provide a consistent stream of income, or to protect against principal loss, and can be a valuable tool in retirement planning.

The insurance company manages both the investment and mortality risk, providing predictable, guaranteed income...

Protect Your Assets with an Irrevocable Funeral Expense Trust

The high costs associated with aging represent one of the greatest financial risks Americans face in their later years. Planning for these expenses is essential to ensure the peace of mind that comes with knowing that your financial future is secure...

It's Official! 2025 Part B will be $185/month. Part B Deductible $257.

IRMAA (Income Related Monthly Adjustment Amounts) are below.

Service members who leave active duty may qualify for health care coverage through either the Department of Veterans Affairs (VA) or TRICARE, depending on how they separated from the military. When Veterans turn 65, their options are based on if they’re VA or TRICARE for Life.

For most people who...

Each fall, the Medicare Annual Election Period runs from October 15 to December 7 and offers beneficiaries the chance to make changes to their Medicare Advantage or Part D plans. When you make changes during the Annual Election Period, your new plan becomes effective on January 1st of the new...

Your Drug Plan or Medicare Advantage Plan with Drug Coverage is Changing in 2025.

In September, you will receive your Annual Notice of Change (ANOC.) Even if you’re happy with your current plan and usually automatically renew, this is not the year to do that! All standalone Part D...

Why You Need a Cancer Policy with Medicare

A lump-sum cancer policy pays cash benefits to you, the policyholder, if you are diagnosed with cancer. You can choose how you wish to spend the money! For example, one client bought a $10K lumpsum policy for a very affordable premium. Just...

Many people are surprised to learn that Medicare does not pay for anything related to keeping your teeth healthy. It does not cover oral exams, teeth cleanings, extractions, fillings, dentures, root canals, or dental implants. Sometimes people assume root canals or dental implants will be covered since these procedures require...