Our bodies need about 40 different kinds of nutrients in order to function properly. The most needed are amino acids, vitamins, minerals, and essential fatty acids. As we need energy to function, which we get from our food, it makes sense that our eating habits have an impact on our well being.Habits, traditions, taste, cultural and social circumstances fundamentally … [Read more...]
Optimizing Your Medicare Prescription Drug Plan
If you take regular prescriptions, you already know how expensive it can be. The older we get, the more chronic conditions set in, and our medications get even more expensive. That's why having a prescription drug plan is so important.For people with Medicare health insurance benefits, there are two ways to get drug coverage. You can enroll in Original Medicare and opt … [Read more...]
Are You Eligible for Medicare Yet Still Working? How Does This Affect Your Medicare Coverage?
Great news - whether or not you retire at age 65, you are still eligible for Medicare!If you, or your spouse, are still employed you may have health insurance through that employer. The first step you should take, before you enroll in Medicare, is to talk with your human resources department. You will need to know which kind of health plan you are currently … [Read more...]
Review Your Coverage: Take Advantage of Medicare’s Open Enrollment Period
Things happen and things change including your health and sometimes your health plan as well. Take advantage of Medicare Open Enrollment Period (OEP) to review your current coverage and make sure it is still what you need from your health insurance plan.Open Enrollment Period is October 15 to December 7. So right now is your opportunity to choose the best coverage for … [Read more...]
WellCare Value Script PDP: Best or Worst 2019 Part D Plan?
Possibly nothing gives seniors a bigger headache than their prescription drug plan and drug costs. So, after dozens of emails asking about the 2019 WellCare Value Script Medicare Part D plan (PDP), we decided to take a closer look.Is it the best or worst Part D plan for 2019?The first thing to understand about the low-cost WellCare PDP is that it has a low cost … [Read more...]
My Medicare Advantage Plan Is Not Offered In 2019. What do I Do?
I received a notice that my Medicare Advantage plan won't be available in 2019. What do I need to do?This year, thousands of seniors received a notice from their Medicare Advantage (MA) plan telling them that the insurance carrier will no longer be offering coverage in their area. If you received this notice, you have two options. You can join a different MA plan that's … [Read more...]
2019 Medicare Part D Changes
Our initial analysis of the 2019 Medicare Part D Plan (PDP) data for prescription drug coverage, released by the Centers for Medicare and Medicaid Services (CMS) on the 29th of September, concludes that:Medicare beneficiaries in most states have more PDP options, and; Many beneficiaries will experience an overall cost increase unless they choose a 2019 plan with a … [Read more...]
Medicare Plan F: What Does this Medicare Supplement Offer?
What is Medicare Plan F? Here's a quick overview of Medicare Supplement Plan F:Works in lock-step with Medicare Part A and B (does not replace it). About 56% of seniors with a Medigap policy choose Plan F. Covers Medicare Part A Deductible. Covers Medicare Part A Coinsurance and an additional 365 days of hospitalization. Covers Medicare Part B Deductible. … [Read more...]
Medicare Advantage vs. Medigap: Which Is Best?
Comparing Medicare Advantage and Medigap (Medicare Supplements)Medicare Advantage replaces your Original Medicare benefits with managed care. Medicare Supplement insurance fills gaps in your Original Medicare benefits. Choosing the best option is easy if you follow the simple steps outlined below.Medicare Advantage enrollment has increased significantly over the … [Read more...]
Petplan Pet Insurance Review
Overall Rating (4.5 Stars) Petplan ranked the second highest across all of our ranking factors. They offer comprehensive coverage, with your choice of a capped or unlimited plan. Petplan reimburse you based on your actual vet bill, not a rate schedule, and you can choose your reimbursement level (70%, 80% or 90%) and your annual deductible ($250 to $1,000). Petplan customers … [Read more...]
