Seniors Are Afraid to Bathe… For Good Reason!

Contributed by: George Bentley

Owner, Bentley Baths In 2002, my Mother fell in the bathroom and broke her hip. I was not prepared for the downward spiral her health went through following that fall. The hip injury set in motion what I now know to be a very common pattern of health problems that directly led to her dying in a nursing home in 2004. My 87 year old Dad made it clear, “I will never go into a nursing home!” Read More…

The Medicare COBRA Trap

Contributed by: Paul V. LoNigro

President, Group Insurance Analysts, Inc. When an employee age 65 or older retires, he/she is faced with a number of choices. One of them is whether to elect COBRA for their health care coverage for the next 18 months, or elect Medicare Part B and choose an supplement or go into Medicare Part C (Medicare Advantage). For those who choose COBRA and do NOT elect Medicare Part B, pay close attention to this below. Read More…

Medicare Enrollment Periods

Contributed by: Paul V. LoNigro

President, Group Insurance Analysts, Inc. So much attention is focused on the Annual Coordinated Election Period (AEP) for Medicare Advantage (MA) plans and prescription drug plans (PDPs) that beneficiaries and their advocates may be unaware of other Medicare enrollment periods. These enrollment periods and their acronyms are confusing and overlapping. A beneficiary who does not act carefully may lose needed Part B or Part D coverage or may affect the way Medicare services are received. In some situations beneficiaries have only two weeks left, until the end of March, to effectuate a change. Read More…

Medicare, Medicare Advantage and Medicare Rx

Contributed by: Paul V. LoNigro

President, Group Insurance Analysts, Inc. Medicare Part C, also known as Medicare Advantage, is an option that allows Medicare members to choose to get their Medicare benefits through a private insurance company. There are several reasons why a member may choose this option including physician networks, integrated prescription benefits, additional benefits not offered through original Medicare, and lower premiums than buying a Medicare supplement and stand alone Part D plan. Members can enroll in these plans during the Annual Enrollment Period (AEP), the Open Enrollment Period (OEP), their Initial Enrollment Period (ICEP) and during Special Enrollment Periods (SEP). Medicare Advantage Plans can be offered as a Health Maintenance Organization (HMO), a Preferred Provider Organization (PPO), a Private Fee for Service Plan (PFFS), or a Medical Savings Account (MSA). Read More…