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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A Valentine’s Gift Lasting a Lifetime
Roses and a nice dinner out is great way of showing your love for your spouse this Valentine’s Day. If you want to give a lasting gift of love for your spouse and family use this day to set up a time with an expert to review and make legal your future plans. Why? Last…
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Who is IRMAA and why do I need to know about Her?
Do you pay more than $134 per month for Medicare Part B? This may be the reason! The “Big Day” is fast approaching! You will be age 65 soon. You’ve done everything you need to begin this new life; notified your employer you’re retiring, contacted Social Security and filed for Social Security benefits and Medicare,…
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Medicare Enrollment Periods—It’s Complicated!
Medicare Enrollment Period By Beth Cooper 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…
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Vets – How Are You Going To Pay For Assisted Living?
Veterans Assisted Living Are you a Veteran? Hats off to you and thank you for your service. Some say it seems that the US government does not help its veterans to the extent they should. Now, good news for those qualified veterans who are in great need of help with activities of daily living.…
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Looking at Senior Living Communities – Where Do I Start?
What is home? This writer believes home is a major part of our identity. Chances are a married couple bought the home at a very exciting time of life. Families are raised in the home. Memories surround each room and piece of furniture. Vibrant bedroom colors may have been chosen by adult children when…
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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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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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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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