In recent years there have been more talk of genetic testing, but can that test affect your ability to buy insurance? The unfortunate answer is “yes”. Insurance companies, other than Health Insurance Companies - Obamacare (ACA) can use this information to charge higher premiums or decline your coverage altogether. As of today insurance companies continue…
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Medicare Enrollment Periods—It’s Complicated!
Are you over age 65 and still working or your spouse is still working and have Health Insurance through an Employer Group Health Plan (EGHP)? If so, you may be able to delay enrollment in Medicare Part B. Again, I said MAY. The rules for allowing you to refuse Medicare Part B during your Initial…
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No One Says These Words: “I’m Looking Forward to Moving into a Nursing Home”
It will never happen to me. Well, it could be an accident like a fall, an illness or issues of aging. It happens to more people than you would think. About 70% of people 65+ will need long term care assistance. If this would happen to you or a loved one, how would you pay…
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Give A Caregiver A Break
We are headed into the Holiday Season; children are thinking of Christmas presents, parents of family gatherings. Even with the joy of the season, we are also a year older and in some cases a little less “festive” as we were last year. The stress of Christmas shopping and get togethers may be more intense…
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