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, ...

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 ...

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. ...

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 ...

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 ...

My budget is getting very difficult to manage, are there any programs to help with paying for my insurance? What is that and How do I get that? Answer: A program I believe is very helpful for many seniors is called the Medicare Savings Program (MSP). This is a Medicaid benefit administered by ...