Category Archives: Healthy Cells Magazine

Retiring? And/or Going on to Medicare—It’s Complicated!

Retiring? And/or Going on to Medicare—It’s Complicated!
By Beth Cooper Ingle, CSA and Steven A. Buttice This is complicated and you cannot afford to make a mistake.  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…
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Who is IRMAA and why do I need to know about Her?

Who is IRMAA and why do I need to know about Her?
Do you pay more than $144.60 per month for Medicare Part B?  This may be the reason! By Beth Cooper Ingle 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…
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Wrapping up 2020 and Planning for 2021

Wrapping up 2020 and Planning for 2021
As we enter this holiday season, life is clearly different.  Hopefully, this article will inform and clarify some of the issues many people face at this time.  Depression:  The Covid 19 pandemic has put us in a time period that we hope never to see again.  Businesses closed or at a minimum have altered procedures. …
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Test Your Medicare Knowledge For AEP

Test Your Medicare Knowledge For AEP
By Steven Buttice, Founder and President Living By Your Design, Inc. If you wonder if there is a Medicare Plan that better fits your needs and wants; next month begins Medicare’s “Annual Enrollment Period” (AEP) and is the time to make changes.  Here are a couple of questions for you.  Check your basic knowledge: Medicare…
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When Does Helping a Parent Best Begin?

When Does Helping a Parent Best Begin?
The month of love is here. Valentine’s Day changes for us over the years. Today it may be the celebration of a spouse who is now an angel. Everything changes and that’s where it’s important for family-parents, adult children, etc. to watch over their loved ones. As one changes physically and mentally they may withdraw…
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Oh No! I Don’t Even Have Medicare?

Oh No! I Don’t Even Have Medicare?
The following situations are real and very sad.  As everyone knows Medicare can be quite confusing especially for people working past age 65.  Imagine a 67 year old following exactly the correct process by gathering Social Security, Medicare and insurance information 2 1/2 months prior to retirement. Then at two months before retirement getting proper…
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Test Your Medicare Knowledge for AEP

Here are a couple of questions for you to check your basic knowledge: Medicare is free?  Yes  / No ? One is automatically enrolled in Medicare when they become eligible? Yes / No Disability - Some medical conditions allow for “Compassionate Allowance” to make application for Social Security Disability easier?  Yes / No Is the…
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A Medical Office on Every Corner

A Medical Office on Every Corner
In the near future, will your next visit to the doctor be as close as your pharmacy?  This is the new model CVS, Walgreens and other pharmacies are implementing in areas such as metro Detroit.  The concept is to offer more than prescriptions and in fact, one of the pharmacy chains has a trial to…
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About to have a genetic test? Think Twice and Consider…

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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