Blog

Simple Talk on Medicare Plans

Are you turning 65 and going on to Medicare? Or have you been on Medicare, had a Medicare Plan and really do not know how the plan would work for you?  You aren’t alone. Often people do not understand how Medicare and how the coverage they have works.  Most often you hear this when someone…
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7 Mistakes to Avoid When Looking at Senior Living Communities

If you’re looking for assisted living and you know that you can’t afford to make a poor decision when the stakes are so high.  This is often a very stressful time for all family members and too often, just finding a place to start is tough. Selecting a senior living community can be made easier…
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Need Extra Help Paying for Prescriptions?

Have you ever heard “I cannot pay for my prescriptions”?  Or, “my husband died and my income has been cut dramatically”. Statements like these are common, especially for people who have been retired for 20 years.  Prescription drugs are the tool for physicians to help people manage chronic conditions.  When prescription costs are too much…
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Could This Happen to You?

It’s late at night, you’re alone and driving home.  You’re tired, but still have a couple miles to go.   At last, you’re about a half mile from home.  You relax and fall asleep at the wheel.  You go off the road waking up when you’re going over some big bumps.  You’re off the road…
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Is a Life Settlement in your future?

What can a person, or business, do if they own a life insurance policy and no longer need or cannot pay for the policy?   Did you know: approximately 90% of all life insurance policies issued lapse before paying a claim.  A policy can lapse because premiums are not paid or term life insurance ends…
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So, You Received a Letter About Your ACA Health Insurance

ACA Compliance Is the letter received from The Healthcare Marketplace important?  It seems complicated and unnecessary that ACA would ask for income verification when the IRS should already have that information.  So, many people ignore this letter.  How will that work out for them? Last month, this article coordinated with two radio programs on “Healthy…
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Small Insurance Premiums; Big Results

Higher insurance deductibles!  Higher co-insurance!! More out of pocket expense!!!  What can a person do to control their out of pocket expense? To be clear, first, a person is best served by having a good medical or Medicare health plan.  In addition, some people purchase supplemental policies to pay “extra benefits” to help cover deductibles…
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Controlling Out of Pocket Expenses

Higher insurance deductibles!  Higher co-insurance!! More out of pocket expense!!!  What can a person do to control their out of pocket expense? To be clear, first, a person is best served by having a good medical or Medicare health plan.  In addition, some people purchase supplemental policies to pay “extra benefits” to help cover deductibles…
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Need Help? Be Prepared…

Plan Ahead for Aging By Mary Casterline, Senior Community Advisor, Living By Your Design, Inc. Holidays are a wonderful time to enjoy the company of family and to also look back on the year and reflect.   What do you notice?   Are older family members having less interest or greater difficulty in taking care of their…
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Could You or Someone You Love Be a Fall Risk?

By Mary Casterline, Senior Community Advisor, Living By Your Design, Inc. Who is at risk for falling? Do you think it couldn’t happen to you or your loved one?   Think again.  Every year one out of three older Americans over 65 fall.  You may think falling is inevitable for all of us at one…
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