If you’ve ever insured a home or vehicle, you’re probably familiar with an insurance deductible. Typically, you pay your deductible once at the beginning of your plan year. With health insurance, for example, you pay for your health care costs until you reach the deductible, and then your health insurance provider pays for any additional […]

In addition to Medicare coverage, many seniors carry group insurance through an employer or a spouse’s employer. If you need medical services, which insurance pays first? Basically, different health care plans are called “payers”. You will have a primary payer (the one who pays first) and a secondary payer (the one who pays second). Who […]

A healthy lifestyle is the key to staying vibrant and strong into your golden years. But eating right, getting plenty of exercise and avoiding bad habits is only part of the solution. Seniors need to be proactive when it comes to maintaining health and well-being. Luckily, Medicare offers a variety of preventive care and screening […]

Most people are enrolled automatically in Original Medicare (Part A and Part B) as they approach the age of 65 with coverage start dates based on birthday month. For those who need to enroll manually, effective coverage dates could be earlier or later, depending on the situation. Knowing exactly when your coverage starts can help […]

Here’s some good news: if you’re turning 65 soon, you’ll also be eligible to join Medicare—a federally funded program that provides hospital and medical insurance to older Americans. Transitioning to Medicare for the first time can be confusing and you’re not alone if you have a few questions. Here’s a great resource to get you […]