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Medicare provides vital health insurance for 50 million seniors and people with disabilities. But even when you have Medicare, health care is not free. People with Medicare pay premiums and have other costs that they pay out of pocket, like deductibles and co-insurance. For lower-income people, these costs can be overwhelming. There are several programs that help low-income people with Medicare pay their health care costs – but many Medicare beneficiaries don’t know about these programs. Let’s see if we can shed some light on them. Why might...
Hepatitis C is a disease that is caused by a virus that affects the liver. Even though the disease often doesn’t produce symptoms, it can seriously damage the liver and can be fatal. An estimated 3.2 million Americans have Hepatitis C. Older people are more likely to have been exposed to Hepatitis C, but many older Americans are not aware that they need to be tested for it. A December 2013 report found that Hepatitis C infections are concentrated in the Baby Boomers generation. In one major study of people with the virus, 75 percent of the p...
If someone in your family needs hospice care, this column explains what it is and what Medicare covers. What is hospice care? Hospice care is a program of care and support for patients who are terminally ill. These patients may no longer want to try to cure a terminal illness, or their doctor may have determined that efforts to cure an illness are not working. To qualify for hospice care, the patient’s regular doctor and a hospice medical director must certify that the patient is terminally ill and has six months or less to live. A decision a...
Health care experts are rediscovering an old-fashioned concept that may help lower health care costs and improve the quality of health care: shared decision making. What is shared decision making? It is when you and your doctor work together as co-pilots as you travel through the health care system. And you have the right to ask your doctor to use shared decision making whenever you need to decide among several treatment options. What does shared decision making mean? Shared decision making can mean different things depending on the situation....
It’s the start of a new year, which is a time of review and reflection for many people. Now is also a good time to look at the Medicare changes that will happen this year, and a good time to talk about Medicare as an important source of health coverage for readers who’ll be turning 65. Q. What will 2014 bring for Medicare beneficiaries in terms of changes in out-of-pocket costs? While prices for everything seem to go up every year, the good news for Medicare beneficiaries is that premiums for Medicare Part B will remain the same for 2014, holdi...
Since Medicare Part D went into effect in 2006, prescription drugs have been an integral part of the Medicare benefit package. So, the question of how seniors can save additional money on medications often comes up, but so does the question of how the entire Medicare Part D program can be more cost-effective and save taxpayers money without jeopardizing enrollee benefits. Q: Will closing the Part D “doughnut hole” really save beneficiaries money? A: Many seniors may not be aware that the infamous “doughnut hole,” or gap in coverage, is closing...
Tax time has just passed. For many people, that’s a time to take stock of finances and to start planning for the future. That should include plans in case you or a family member need long-term care. It’s a tough topic. But if you plan ahead, you’re more likely to get the kind of care you want. Here are some questions and answers to help you jump-start the process. If you need long-term care, what are your preferences? Once, long-term care meant staying in a nursing home. Not anymore. Today, there are assisted living facilities, retir...
