What to Do When Medicare Denies Coverage

         When Medicare declines to cover your medical needs, the denial can leave you with an expensive medical bill. If Medicare refuses to cover your care, do not assume this means you will have to take on the financial burden. As a beneficiary of Medicare, you have the right to appeal the denial. There are […]

Understanding Medicaid: What Does Medicaid Cover?

In the complex and frequently changing landscape of health care in the United States, Medicaid stands out as a vital program. Since 1965, it has provided essential coverage to millions of low-income individuals and families. Alongside Medicare, Medicaid serves as a lifeline for those who may otherwise struggle to afford health care services. Though Medicaid […]

Bill Advocates for Seniors Who Seek At-Home Medicaid Care

         Seniors who need assistance with everyday activities such as dressing, bathing, and eating are eligible for Medicaid Long-Term Services and Supports (LTSS). Unfortunately, hundreds of thousands of people who qualify for these services – but wish to receive them in their homes or a community setting – end up on extended waiting lists. In […]

When Should You Purchase Long-Term Care Insurance?

         Long-term care insurance can cover nursing home bills, assisted living fees, and in-home care, providing financial support if you require assistance with daily living when you get older. However, it can also be expensive. Determining the best time to buy long-term care insurance can help you manage your finances effectively as you prepare for […]

Long-Term Care Insurance: An Introduction

With nursing home care in some parts of the country costing as much as $10,000 a month, a long-term need for care can deplete even the best-planned estate. As a result, many seniors buy long-term care insurance to cover this risk. One great advantage of this insurance is that most policies now cover home care, […]

Medicaid Redetermination: In One State, Many Didn’t Renew

Results of a recent survey led by the Department of Health and Human Services in Utah reveal that more than half of the state’s residents who lost their coverage during Medicaid’s “unwinding” process in 2023 did not attempt to resecure their benefits. What Is Medicaid? Medicaid is a federal program that serves Americans with limited income, providing health […]

Retirees: Deduct Your Long-Term Care Insurance Premium

Even if you have a long-term care insurance policy, you may likely be hoping that you won’t ever have reason to use it. Regardless of what the future holds, there’s one silver lining of which you may not be aware. That is, premiums on many long-term care insurance policies are, in fact, tax-deductible. What Is […]

Medicare Part B Premiums, Deductibles Going Back Up in 2024

         In 2023, seniors were happy to see their Medicare Part B standard monthly premiums and annual deductibles go down for the first time in more than a decade. Unfortunately, that’s not the case for 2024, when these charges will be back on the rise. In the fact sheet it released about the updated numbers, the Centers for Medicare […]

Dual Eligible Special Needs Plans – Are They Right For You?

         As of 2020, approximately 12.5 million people have Medicare and Medicaid coverage. Medicare is a federal health insurance program for people over 65 and specific disabled individuals. Medicaid is a joint federal and state program that helps provide medical care for those with limited income and resources. Medicaid recipients include children, pregnant women, and individuals who are blind or […]

Why Georgia’s New Medicaid Program May Impact You

In June 2023, Georgia announced the implementation of the Pathways to Coverage program, effective July 1, 2023. If successful, it could allow able-bodied adults who have not previously qualified for Medicaid to join the program and have access to health coverage if they meet certain conditions.  What Is Medicaid? Medicaid is a public assistance program that […]