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Original Medicare (Part A and Part B) covers most, but not all, of the health care costs you may face. Medicare Supplement Insurance, also called “Medigap”, helps fill the “gaps” in coverage to mitigate costs and offers Medicare beneficiaries peace of mind. What Medicare Supplement Plans cover Medicare Supplement plans…
Medicare is confusing! Every now and then, it’s good to revisit the basics so you stay informed about your health care insurance. This Medicare glossary includes the most common Medicare terms that you should know as you research Medicare 1. Ancillary Services A supplemental or supportive healthcare service provided in…
If you’re new to the world of Medicare, you probably have a lot of questions. It’s easy to feel overwhelmed by your options. United Medicare Advisors is here to give you the answers you need to inform your Medicare decisions. One question we get a lot concerns our client’s location:…
The law that led to Medicare and Medicaid was signed by President Lyndon B. Johnson on July 30, 1965. At that time, the program included Part A (Hospital Insurance) and Part B (Medical Insurance). This is now known as “Original Medicare” or “Traditional Medicare”, and approximately 44 million people are…
Medicare Part A and Part B provide the exact same benefits for all Medicare beneficiaries throughout the country no matter their age or location. Why is it, then, that premiums for that coverage can vary greatly? High-Income Levels Mean Higher Premiums Higher premium rates apply to individuals who have incomes…
After all your years of hard work, you deserve to enjoy your retirement. No more worrying about deadlines and deliverables — now is the time to make the most of your free time and do things just for you. This is why so many retirees take up traveling as a…
Living with and caring for an aging loved one can be difficult, time-consuming, and stressful. But, at the same time, it is an honor to be there to provide care to someone you care about. Over time, you may discover that supporting aging seniors or those with disabilities can involve…
As you get older or your healthcare needs evolve, you need insurance that will give you the best coverage possible. Medicare offers great hospital, medical, and prescription coverage for adults over 65 and those with disabilities. However, out-of-pocket costs can add up quickly, leaving you to find extra money to…
Today, the American Diabetes Association estimates that nearly 40 million people in the United States have diabetes. Specifically for older adults, around 30% of seniors (or about 16.5 million people) have diabetes, according to the Centers for Disease Control. The World Health Organization expects diabetes to be the seventh leading…
Medicare Part D is designed to help you afford the prescription medications you need — and it can make a big difference in managing your healthcare costs. Understanding the rules, regulations, and coverage details of Part D can help you take advantage of your plan as much as possible. Here’s…