Healthcare Coverage for Rheumatoid Arthritis

Anyone with a chronic health condition knows it’s important to have healthcare coverage. For those with Rheumatoid Arthritis, healthcare coverage is vital. Rheumatoid Arthritis (RA) is an autoimmune disease affecting approximately 1.5 million people in the United States. It happens to be the most common inflammatory joint disease, affecting 1-2% of the worldwide population. The chronic inflammatory disease causes the immune system, which usually protects the body, to attack its own joints. One of the biggest concerns for most suffering from a chronic illness is health insurance coverage. The second being out of pocket costs. Medicare Coverage for Rheumatoid Arthritis

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Is Plan F a Viable Medicare Supplement Option?

Is Plan F a Viable Medicare Supplement Option?

When you look over the Medigap coverage chart, which shows the standardized Medigap plans, you may notice an asterisk beside the Plan F. Most people never pay much attention to this or read the fine print below the chart to understand exactly what this signifies. Is Plan F a Viable Medicare Supplement Option? Actually, this notation represents an entirely separate Medigap plan called the High Deductible Plan F (often referred to in shorthand as HDF). High Deductible Plan F is a unique Medigap plan that has a large deductible of $2,200 (for 2017) that must be met before any plan benefits

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Does Medicare Cover Power Mobility Scooters?

Power scooters increase mobility to make everyday tasks possible again for many individuals. They are a great choice for this, but they are quite expensive. Medicare will provide coverage for mobility scooters if you are able to meet certain requirements. Scooters and wheelchairs are considered durable medical equipment, which is covered under Medicare Part B. If you follow the steps we’ve listed below, you can increase your chance of getting Medicare to pay for your scooter. DME Guidelines from Medicare Medicare Part B covers 80% of outpatient medical expenses whenever they are deemed medically necessary.  Whenever a piece of equipment is

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How to Claim Medicare without Claiming Social Security

Can you get claim Medicare benefits without claiming Social Security? You sure can, and we’re going to outline the reasons to consider this option along with some of the pros and cons of delaying your claim to Social Security benefits. First, let’s look at some important information about Medicare and Social Security. Then, we can better understand why it makes sense to enroll in Medicare without claiming Social Security. Medicare vs Social Security Health insurance is offered through the Center for Medicare and Medicaid Services (CMS). Social Security provides people with a monthly stipend. Medicare Part A is free for

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Your Spouse Retires and Gets Medicare: Now What?

Financial problems of senior couple

When your spouse retires and gets Medicare, they (and you) will lose their work health insurance. For example, Sylvia is 63 years old. Her husband Mike is 65. Mike is about to retire and will soon receive Medicare benefits. They will lose Mike’s employment group insurance (a benefit they’ve both enjoyed for decades). Sylvia will not be eligible for Medicare coverage for another two years. For the first time, she will be without health coverage. NOTE: Medicare does not cover family members. Your spouse will apply for Medicare benefits at retirement age. Once you are eligible to receive benefits, you

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What is the Medicare Special Enrollment Period?

close up of senior man and doctor at hospital

Right now, we’re in Medicare’s Open Enrollment Period (OEP). But what happens if a major disaster strikes and you’re not able to take advantage of OEP? Don’t worry, you’ll still be able to change your plan if you need to. The Medicare Special Enrollment Period (SEP) extends the Medicare enrollment period during extenuating circumstances. For example, you might find yourself in the midst of a life-altering weather event that prevents you from selecting coverage during OEP. Or you might need to move to a new state and discover that your previously selected coverage is not offered in your new state

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Who Can You Trust to Help Make Your Medicare Decisions? 

Close up of female doctor and senior man hands holding walking cane

The many choices and options related to Medicare Advantage and/or Supplement Plans are enough to overwhelm even the most educated among us. You want to make the right selections, but without the proper guidance and direction, these decisions are dizzying. You’re aware of how easily you could get stuck with a plan you don’t need or want, but you’d probably rather endure a colonoscopy than spend countless hours researching different plans. Yes, navigating the world of Medicare Advantage and Medicare Supplement Insurance is difficult. But it doesn’t have to be. My Senior Health Plan will help you find you the

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How to Enroll in Medicare if You’re Working Past 65

Senior woman with laptop and smartphone working in home office

For decades, the gold standard for retirement age was 65. But in the last several years, we’ve seen the retirement age inch up with many folks working past 65. Now, 20 percent of Americans age 65 and older are participating in the workforce—the highest rate in nearly six decades. Some of this is due to the U.S. government formally changing the Social Security retirement age. Since 1983, the retirement age, previously set at 65 has slowly inched toward 67, with the current age set at 66 and eight months. But there’s more going on here. Not only are we living

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Do You Really Have to Wait Five Years to Access Medicaid Benefits?

Portrait of an aged woman outdoors

If you or someone you love is trying to qualify for Medicaid, you may have heard people talking about—or in most cases, complaining about—having to wait five years to access benefits. If you don’t have access to professional guidance, you could easily fall victim to this common misconception about Medicaid. When people complain about waiting for Medicaid to kick in, what are they talking about? It’s what Medicaid calls its five-year lookback period. How does this work? Let’s say you’re applying for Medicaid. As part of the application process, you may  be required to provide financial information for the previous

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