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Medicare Supplement insurance helps you pay for costs that Medicare Part A and Part B don’t pay, like copays, deductibles, and coinsurance. However, while Medicare Supplement plans do cover out-of-pocket expenses, you will still be responsible for some deductibles and premiums, depending on the plan you choose. Here’s a look…
Medicare Part D is a drug plan that can help make your prescription drugs more affordable if you are age 65 and older. With low premiums and copays, Medicare drug plans are a reasonably priced addition to your Original Medicare policy. Enrolling in a Part D plan is a relatively…
If the thought of aging in place is daunting — whether it’s for yourself or a loved one — then you’re not alone. Living at home when you age comes with many challenges, one of which is the increasing need for healthcare services. Staying at home is typically much less…
If you think it may be time to look into long-term or nursing home care, a major consideration will be cost. According to a 2025 report from Genworth, the median fee for a semi-private room in a nursing home in the United States is more than $9,000 a month. A…
Over 50% of seniors rank vacation and travel as a top priority for disposable income. Seniors comprised close to 40% of last year’s travelers, proving that retirement is the perfect time to travel. The best part is that travel doesn’t have to cost the big bucks. Of course, you can use…
Pre-authorization, sometimes referred to as prior authorization, is the approval healthcare providers require from insurance carriers before delivering certain services or prescriptions to patients. While you can still get the service without pre-authorization, you’ll be responsible for the full cost. Also, prior authorization approval doesn’t guarantee coverage. The waiting and…
As your loved one ages, you may find they need more assistance than you can provide. You may be considering an assisted living facility for their care, which can provide supportive care to give them as independent a life as possible. There are approximately 2.2 million people living in long-term…
When it comes to Medicare Part B, knowing when to sign up is only half the battle — the other half is knowing how. Whether you’re approaching your 65th birthday or finally retiring after years of working past 65, the enrollment process can feel like a maze of government forms…
If you’re enrolled in Medicare and make above a certain amount of money each year, you’ll pay higher Part B (medical insurance) and Part D (prescription drug) premiums. This surcharge,known as the income-related monthly adjusted amount, or IRMAA, is based on your modified adjusted gross income (MAGI) from your tax…
To thrive on a fixed income, it’s important to make smart financial decisions — and the end of the year is a perfect time to prepare your finances for the future. While healthcare and health insurance are key, they’re parts of a larger financial picture. Taxes, investments, and required minimum…
