provided by Published 9:00 am, Monday, March 5, 2018 MoneyTips Millions of Americans choose to supplement their Original Medicare benefits with additional coverage that helps to cover the gaps. Medigap plans in America are standardized, and for decades, Medigap Plan F has been a top seller. This is largely because it covers all of the deductibles, coinsurance, and copays that would normally be your responsibility after Original Medicare pays its share. Beneficiaries insured with a Plan F policy pay nothing for doctor visits, lab work, surgeries, hospital stays, and much more. This type of first-dollar coverage provides huge peace of mind to Medicare recipients as they age because their costs are predictable. If there is an illness that requires extensive treatment, they don't need to worry about what kind of bills will be showing up in their mailbox. However, in 2020, this will be changing because Plan F and Plan C are being discontinued. Why Plans Are Being Discontinued … [Read more...] about Medicare Plan F Going Away In 2020
Mack Banner’s commentary on "Why conservatives should back Medicare-for-All" in The Roanoke Times January 30, deserves our attention and our support.Americans have learned that “Our Representatives” in the White House and in Congress and at the state level, completely ignore public opinion. Their ratings are the lowest ever recorded.If Mack Banner expects the “Conservatives” in government to respond, he is living in a dream world. Long ago they sold their souls to the One Percent.Most of us are disgusted with our representative’s failure to deliver. When Obama was elected, he was unable to deliver Medicare-for-All. The Republicans required that Obama Care keep rewarding the insurance companies, the Banks, and the Pharmaceuticals. Yes, Obama Care is better than anything Trump, the Tea Party, and the One Percent will propose; but it has its own problems. We need to replace it with Medicare-for-All.Mack Banner’s article lists a number of steps … [Read more...] about Letter: Vote for Medicare for all
At 87, Maxine Stanich cared more about improving the quality of her life than prolonging it.She suffered from a long list of health problems, including heart failure and chronic lung disease that could leave her gasping for breath.When her time came, she wanted to die a natural death, Stanich told her daughter, and signed a "do not resuscitate" directive, or DNR, ordering doctors not to revive her should her heart stop.Yet a trip to a San Francisco emergency room for shortness of breath in 2008 led Stanich to get a defibrillator implanted in her chest — a medical device to keep her alive by delivering a powerful shock. At the time, Stanich didn’t fully grasp what she had agreed to, even though she signed a document granting permission for the procedure, said her daughter, Susan Giaquinto.ABOUT THIS SERIES: Kaiser Health News investigates the causes and consequences of medical overtreatment in "Treatment Overkill," an ongoing series of reports./b>That clarity came only … [Read more...] about Nearly 1 in 3 Medicare patients undergo surgery in their final year of life. When do we stop operating?
More and more Americans every year rely on Medicare for health insurance after they retire. Yet it can be difficult to get the answers you need in order to understand this complicated federal program fully. Below, we've compiled some of the most common questions that people have about Medicare, and provided simple answers that will help you get started on integrating the program into your broader financial plan for retirement.1. How does Medicare eligibility work?Most workers can claim Medicare when they turn 65, though people with end-stage renal disease, Lou Gehrig's disease, or certain disabilities can sign up earlier. U.S. citizens and those who've lived legally in the U.S. for the past five years can generally get benefits; the amount you'll pay for them depends on how long you or your spouse worked and contributed payroll taxes into the Medicare system.Image source: Getty Images.2. What are the differences between Medicare Parts A, B, C, and D?Medicare coverage gets broken up … [Read more...] about 9 Frequently Asked Medicare Questions
Colin Campbell needs help dressing, bathing and moving between his bed and his wheelchair. He has a feeding tube because his partially paralyzed tongue makes swallowing “almost impossible,” he said. Campbell, 58, spends $4,000 a month on home health care services so he can continue to live in his home just outside Los Angeles. Eight years ago, he was diagnosed with amyotrophic lateral sclerosis, or “Lou Gehrig’s disease,” which relentlessly attacks the nerve cells in his brain and spinal cord and has no cure. The former computer systems manager has Medicare coverage because of his disability, but no fewer than 14 home health care providers have told him he can’t use it to pay for their services. That’s an incorrect but common belief. Medicare does cover home care services for patients who qualify, but incentives intended to combat fraud and reward high quality care are driving some home health agencies to avoid taking on long-term patients … [Read more...] about Home care agencies often wrongly deny Medicare help to the chronically ill