JUST US INSURANCE – MEDICARE TIP OF THE DAY – Get help with Medicare costs Heather and Jay Gray – The Father Daughter Team of San Marcos, Escondido, Vista, Ca. Last day in Cabo and Heather and I had a blast…. Here is a picture on a dinner cruise we took that included whale watching!
A Policy for Life’s Many Changes Life brings changes — like new kids, a marriage, college, you are now self employed, you are now financially supporting aging parents, or you just got a promotion ! You need life insurance that keeps up with you. As one year ends and another begins, it’s a great time
Why are Drug Costs Are So Difficult To Bring Down ? AARP launched its “Stop Rx Greed ” campaign to lower drug prices. The message is that Americans are spending an excessive amount on prescription drugs, the cost of which likely topped $330 billion in 2018. By comparison, the highly lucrative NFL generated less
What happens when life throws you a curve ball? Would you know what to do to keep your health insurance? Outside of the open enrollment period each fall when we’re allowed to sign up for a health insurance plan, you generally can’t buy new coverage. But there are a few exceptions. After what’s known as
How to Try to Avoid the Donut Hole Did you or someone you know fall into the Medicare Part D “donut hole” this year? The donut hole, or Part D coverage gap, occurs when a person reaches a certain spending limit for their medications ($3,820 in 2019), and must pay more of the costs after crossing that threshold
1. Discounts When Eating Out If you don’t feel like cooking be sure to turn to these places for good senior dining deals. Keep in mind that deals may vary at participating locations and can change without notice. McDonald’s: discounts on coffee and beverages (55+) Wendy’s: get free coffee or other discounts depending on location
Naming primary and contingent beneficiaries is an easy way to help ensure a smooth transfer of assets down the road. Assets with named beneficiaries skip probate, the court-supervised process of settling an estate’s debts and making distributions. This process can be cumbersome and puts private affairs in the public record, so many people plan to
Here are a few considerations! If you’ve been getting health-care insurance through an employer-sponsored plan, make sure you know your coverage options — and the cost — after you leave full-time work. Part-time work can affect your Social Security benefits if you start claiming them, depending on your age. You should evaluate the potential tax
It can. If you are what Social Security considers a “higher-income beneficiary,” you pay more for Medicare Part B, the health-insurance portion of Medicare. (Most enrollees don’t pay for Medicare Part A, which covers hospitalization.) Medicare premiums are based on your modified adjusted gross income, or MAGI. That’s your total adjusted gross income plus tax-exempt interest, as
Whether you already have a will or have yet to begin creating one, it’s important to be proactive about estate planning by covering a few basics in writing. To get started, resolve to tackle the following tasks this year. Step 1: Assign a health care power of attorney. Anyone can suddenly have an accident or
3 Things Medicare May Pay For What is most surprising about Medicare in today’s world is that there are actually a number of underutilized benefits that come with this health insurance coverage. Senior care can be rather complex and include medications, procedures, hospital stays and therapies, just to name a few. Yet, many worry about
If you are not automatically enrolled in Medicare at age 65, you should be aware there are certain deadlines you’ll have to meet in order to enroll without paying a penalty. Original Medicare has two main parts. Part A provides hospital coverage and is available to everyone even if you’re still employed or have
Medicare Advantage Plans have added some attractive perks to keep you in good health and save you time. These include services such as transportation to and from doctor appointments and even free gym memberships. The health care landscape is changing in the United States. Instead of the “anything from the neck down” Medicare plans of
When you’re applying for an individual life insurance policy, you’ll usually need to complete a simple medical exam administered by a paramedical professional. Follow these steps to prepare for your exam so you can minimize your chances of inaccurate test results and set yourself up to receive a fair rate on your policy. When to
Medicare Open Enrollment October 15th through December 7th The numbers are out and the 2019 Part B premium went from $134 per month to $135.50 starting January 2019. • New to Medicare? • Turning 65? • Are you retiring soon? • Are you moving soon? • Confused about your options? Heather and Justus
Preventive Services Now Provided by Medicare From time to time, Medicare revises the list of services that they provide. Here is a current list. 1- Abdominal aortic aneurysm screening 2- Bone mass measurement 3- Cardiovascular screening 4- Colo-rectal cancer test 5- Fecal occult blood test 6- Colonoscopy 7- Barium enema 8- Diabetes tests & training
Starting in April and through out 2018, Medicare is preparing to stop using Social Security numbers for identification and will send new cards to patients with random Medicare ID numbers. Medicare cards use your Social Security number followed by a letter to identify you. This presents a real threat to your identity if the card
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