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Will Medicare Pay For Pre-Existing Medical Problems?

Question: I am turning 65 later this year, how will Medicare handle the coverage of my already existing medical problems? Answer: Congratulations on reaching Medicare eligibility! Your coverage with Medicare is very comprehensive. When you become Medicare eligible, Medicare covers all your pre-existing medical conditions with very few exceptions. If you have Diabetes, Cancer, High Blood Pressure any medical conditions, Medicare will cover you starting your first day of eligibility. Medicare always starts the first of the month, usually the month of your 65th birthday. There are ...

Insurance Options When You Work Longer Than Planned

Question: I was planning on retiring, so I signed up for Medicare Part A & B. Now I have decided to keep working. Since I don’t need Medicare anymore, can I cancel it? What about the premiums I’ve already paid? Answer: We all look forward to retirement, and then when it gets close, we sometimes have a difficult time deciding on the right time to retire. Changing your mind about the timing is common. The answer is different when we talk about the different parts of Medicare: Parts A, B, and D. For Medicare Part A, if you choose to end your coverage you must repay any benefits ...

Understanding Medicare’s Parts, Rules

Question: I’m 54 years old and I’ve been disabled for almost two years so I think I’m eligible for Medicare. Do I need to sign up for any parts of Medicare, including drug coverage? Answer: I am thrilled that you qualify for Medicare! You will now have comprehensive insurance to help cover your medical costs. It’s important to understand that there are many rules regarding Medicare and all its parts, and those rules apply when you qualify due to disability or age, though they differ slightly. Anyone who has been approved to receive Social Security Disability (SSD) qualifies ...

Explaining How CHAMPVA, Medicare Work Together

Question: I have Medicare Part A & B and I was just notified I qualify for CHAMPVA. My husband was a veteran and is 100% disabled. What should I do now? Answer: Thank Your husband for his service! His military service gives him the title of veteran and that is something to be proud of. His service also means you can now get your health insurance from Medicare and CHAMPVA. Not all veterans sign up for additional benefits upon discharge. When you are a veteran, you could be eligible for medical care through the VA clinics and hospitals or eligible for a veteran pension. As the spouse ...

Long Term Care Insurance Prompts Questions

Question: We have been considering Long Term Care Insurance (LTCI), and would like to know what you recommend? Answer: Long Term Care Insurance (LTCI) can be a useful tool to help pay for healthcare services you or your spouse may need in the future. LTCI has changed significantly in recent years and offers many more options and alternative types of policies. I have talked with individuals who already have LTCI and want to begin using it to help pay for their care, and also helped evaluate whether or not LTCI is a useful purchase. It is important to understand how LTCI protects you ...

Take Note Of All The Options Medicare Offers

Question: I am turning 65 later this year and I am nervous about getting Medicare. Is Medicare good insurance? Will I be happy with it? Answer: I LOVE Medicare! For anyone who knows me, that comes as no surprise. I have been working with seniors and their insurance for 30 years, and I find that the vast majority of individuals are very happy with their Medicare insurance and the accompanying products that go along with it. I can also confidently say that the transition can be stressful and something that most individuals worry about before it happens. Much of that worry and stress ...