We’ve probably all heard the expression, “If you don’t use it, you will lose it.” There is a lot of truth in that, so staying physically and mentally active and exercising regularly is important. But what about after retirement? Continue reading
Whether you are turning 65 or are already on Medicare, it’s important to be aware of the different Medicare enrollment periods. That’s right, Medicare enrollment is not a one size fits all solution. Different Medicare enrollment periods affect people in different circumstances. Let’s take a closer look at the different types of enrollment: Continue reading
Kids are back in school, leaves are dazzling us with colorful new hues, and fresh baked pecan pies are sweetening homes all across Alabama. That can only mean one thing: it’s football season! Oh, and Medicare Advantage plans are beginning to send out their Annual Notice of Change (ANOC) documents. As the name implies, the ANOC highlights the changes made to your current Medicare Advantage plan for the upcoming year. As a Medicare Advantage beneficiary, it’s important to keep an eye out on your mailbox for this information, because it typically gets mailed in September. Continue reading
Health care has been a pretty big story in the news for quite a while, and it’s easy to feel confused about what‘s new with Medicare. The truth is, for most people on Medicare, not much changed under the Affordable Care Act (ACA or “ObamaCare”). Most of the changes are aimed at the commercial insurance industry. One of the only ACA changes that affects Medicare is that many Medicare Part A benefits that were previously subject to out-of-pocket costs are now “free”. Whether you have Original Medicare or a Medicare Advantage plan, you’ll still have the same benefits and security you have now. Continue reading
Social Security effects virtually everyone. You’re either old enough to collect it or you’ve been paying for it your entire working life. But how much do you know about Social Security and how it effects you? Understanding Social Security becomes even more important as you approach retirement age – even if you don’t plan on retiring. Continue reading
Depression is one of the largest health concerns facing the medical community today. It affects hundreds of millions of people worldwide and the number of diagnosed patients is increasing twenty percent each year. Depression takes its toll not only on the mind but on the body as well. Sadly, only a small fraction of those who show signs of clinical depression are receiving treatment for the disease. This is an increasing concern because depression is most prevalent in people ages 45-68. Continue reading
In psychology, stress is the feeling of strain or pressure. In biology, stress is the body’s method of reacting to a challenge. In everyday life, however, stress is simply anything that saps you of your energy, mood or just plain makes life hard. Stress is linked to a myriad of health concerns and causes everyone, at one point or another, to feel some sort of inner struggle. Stress is natural and manageable, but needs to be properly understood in order to deal with. So how does stress affect your life?
One of the greatest misconceptions about Medicare is that everything is covered through Medicare Part A and Part B alone. However, that is not the case, which is why some private health insurance companies offer Medicare Advantage plans – aka Medicare Part C. Continue reading
One thing about Medicare that seems to confuse a lot of people is the different parts. Medicare is divided into four parts known as Part A, Part B, Part C, and Part D.
Medicare Part A is similar to normal health insurance that covers you in the hospital when you get hurt or sick. Medicare Part A can also help cover a stay in a skilled nursing facility while you recover or hospice care for the terminally ill. Continue reading
Since you’re limited as to when you can leave your current plan or change to a new plan, the importance of your decision regarding the coverage you choose when you do have an enrollment period can’t be understated.