Medicare & Other Health Insurance

  • VA’s New Final Rule Affects Several of its Needs-Based Programs

    By on October 30, 2018

    Earlier this month, the Department of Veteran Affairs’ new final rule went into affect, which significantly impacts the VA Pension, the Aid & Attendance Benefit and some other needs-based benefit programs. Those who work with Veterans should be aware of these changes when advising clients. Many of the changes affect certain eligibility requirements, including:...

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  • Be Informed with the Medicare Fully Informed Project

    By on October 17, 2018

    Each year during Medicare’s Open Enrollment (Oct 15- Dec 7), beneficiaries are inundated with marketing materials from growing numbers of Medicare Advantage and Part D prescription drug plans, and materials from the Centers for Medicare and Medicaid Services (CMS). While these materials are supposed to help beneficiaries review current plan changes and make informed choices for...

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  • Administration Imposes Deep Cuts to Grants Helping Americans Buy ACA Plans…Again

    By on July 30, 2018

    Earlier this month the Trump Administration took more actions towards sabotaging the Affordable Care Act (ACA) and people’s access to quality health care suitable for their needs. The Administration is eliminating almost all the funding for “navigators”, the grass roots groups that help Americans “navigate” the health insurance marketplace to buy coverage, and, at...

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  • Newly Introduced Bill Would Strengthen Medigaps & Consumer Protections

    By on July 24, 2018

    Earlier this month, Representative Sandy Levin (D-MI), Ranking Member of the Ways and Means Health Subcommittee, introduced the Medigap Consumer Protection Act of 2018. This legislation would provide a long overdue overhaul on Medigap’s consumer protections, ensuring that all beneficiaries, regardless of their age, disability, or any other pre-existing condition, have ease in accessing...

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  • Report Exposes Major Shortcomings in Medicare Plan Finder

    By on May 16, 2018

    Medicare beneficiaries and those becoming newly eligible for Medicare are repeatedly told to turn to the federal government’s Medicare Plan Finder (MPF) for unbiased, accurate information on Medicare coverage options. They are advised to go to this comparison tool to find their best coverage choices regarding Medicare fee-for-service, Medicare Advantage plans (Part C) and...

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  • How Does Medicare Work with Federal & Military Benefits?

    By on April 5, 2018

    Medicare coverage works differently with other kinds of insurance. Below is an explanation on how Medicare works with federal and military benefits. Point 1: Understand how Medicare works with Federal Employee Health Benefits. Non-military federal employees are often eligible for health insurance from Federal Employee Health Benefits (FEHB). If you continue to work as...

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  • Equitable Relief Waiver of Part B Penalties Ends Sept 30 ~ Apply Now

    By on September 1, 2017

    Note: The Centers for Medicare & Medicaid Services (CMS) has extended the deadline through Sept 30, 2018. See our blog with these updates: Extension of Equitable Relief for Beneficiaries Dually Enrolled in Medicare and Marketplace.   If you received your health insurance through the individual Marketplace (Covered California in our state) and didn’t enroll in Medicare...

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  • Navigating Medicare & the Health Insurance Marketplace

    By on July 7, 2017

    Many people purchase their health insurance through the Health Insurance Marketplaces established by the Affordable Care Act in 2010. Yet when people become eligible for Medicare, there is little notification and thus much confusion on how and when to make the transition to this federal health care program. Below is some information with 3...

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  • How Does Medicare Work with Current Employee Insurance?

    By on April 20, 2017

    When you have Medicare and other insurance, Medicare either pays first (primary) or second (secondary) for your health care. This article shares how Medicare works with insurance based on current employment. This is called current employee insurance (as opposed to retiree and other types of insurance). Examples of current employee insurance include health plans sponsored...

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  • Do You Know Your Medigap Guaranteed Issue Rights?

    By on December 27, 2016

    Medigap policies are a form of private supplemental insurance that pay for part or all of Medicare’s coinsurance and deductibles. Certain policies also cover health care costs that Medicare doesn’t cover, such as emergency medical care in foreign countries, and excess charges from a provider who does not accept assignment. Medigap policies do not restrict you to a network...

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