Topic: medical
A “screening” is a general test to look for signs of a problem. Because early detection makes a huge difference in your ability to recover from any disease or condition, Medicare and Medicare Advantage plans use screening tests for many health issues. Often these tests are 100% covered—no copayments. But you must fit eligibility criteria. The criteria usually involve age, symptoms, and/or a family history that puts you at risk. …
If you are used to having an “annual physical” and ask for that, original Medicare won’t pay for it. That is, original Medicare won’t pay doctors to do a general physical exam “to see what turns up”; you’ll pay out of pocket. (Medicare Advantage might have this as an “extra.” Check with your plan.) …
When Medicare first began in 1965, the idea was that it was for everyone over age 65, not just those who were poor. There would be no stigma.
Things are different now. We live longer. Medical costs are rising. In 2003, Congress decided that those with higher incomes should chip in extra to share the load. This extra is called the “income-related monthly adjustment amount” (IRMAA). …
“It’s always smart to have an emergency plan, spelling out what you would do and who you would turn to for help when that inevitable crisis happens,” says Herb ConsumerMan Weisbaum.
In his many years of consumer journalism, Herb has learned a thing or two about being proactive, making smart decisions, and being prepared ahead of an emergency. “This is especially important for older adults who are living alone, caring for a spouse or partner, or without family nearby.” …
How to prepare for a medical emergency in your homeRead More »
Planning a trip?
Your health insurance might not come with you!
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October 15–December 7 is Medicare’s annual “open enrollment” period. This is when you can switch plans. Are you getting a lot of mail about the cost savings of Medicare Advantage (MA)? The initial outlay may seem less than your current plan. And if you have “original Medicare,” plus a supplemental plan for the 20% Medicare doesn’t cover, andprescription coverage, bundling it all together is tempting. …
From October 15 to December 7 each year, Medicare enrollees have the option to change their insurance plans. For prescription drug coverage, which is only offered by private insurance companies, it pays to shop around. Even if you have been happy with your current plan, drug prices and premiums change from one year to the next. It’s a good idea to compare. There could be hundreds of dollars at stake. …
Shopping tips for Medicare prescription insurance (Part D)Read More »
Judy fell and broke her hip. She calls 911. She lacks a medication list. As a result, the hospital team is unaware of her chronic conditions. Her daughter lives far away and doesn’t know if she should fly in.
Accidents by their very nature are unplanned. That doesn’t mean you need to be unprepared for a fall or a serious incident (e.g., a heart attack or stroke).
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Much as we would like to imagine an elderhood free from troubles, the truth is, we are all likely to need help eventually. And on several levels. …