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Happy Holidays!
As a thank you to our clients We would like to give on their behalf the gift of HOPE. Please help us decide. Vote for your charity of choice.

Leave your Advantage Plan (Medicare Part C) and switch to original Medicare
Did you know between January 1st and February 14th you can leave your Advantage Plan (Medicare Part C) and switch to original Medicare. Remember you will only have until February 14 to join a Medicare prescription Drug Plan. You cannot switch to another Advantage Plan and if you switch to original Medicare you may want…

Medicare Loophole Hurts Those on Medicare
Patient status (in-patient vs. out-patient) impacts how Medicare pays. Beware what billing status a hospital classifies an incoming patient because if it is as “outpatient”, which it often is, Medicare will not pay any follow-up nursing home costs, which can have a financial impact that can be devasting. For example, a Medicare recipient recently was…
WHO NEEDS CRITICAL CARE INSURANCE? YOU!
Americans are surviving major illnesses in record numbers; 75% of people who suffer a heart attack or stroke survive at least three years and many heart attack victims regain 100% of their health whereas between 50-70% of stroke victims regain functional independence Those under 65 are 50% more likely to survive than those 65 and…

Your Advantage Insurance Card Is Your Medicare Card
As we prepare for the upcoming 2016 Medicare season, I noticed that the most misunderstood fact of last year continues to be that a Medicare Advantage Plan is actually a synonym for Medicare Part C. You can no longer use your traditional Medicare card issued by the government when you first went on Medicare (usually…

Funds Veterans Use for Long-Term Care Being Curtailed in 2017
Many Veterans and spouses of veterans receive a special monthly check if they need the “aid & attendance” of another person to live safely and/or need assistance with their personal care activities. Many Senior Communities help Veterans get these funds to help them pay their monthly rental fees which can be substantial. However the VA…