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How Is Coverage Impacted As Husband Turns 65?

Question: I am currently working with a High Deductible Health Plan that includes an HSA and my husband is turning 65. How does his Medicare benefit impact the coverage my employer provides us? Answer: Turning 65 and becoming eligible for Medicare is an important threshold for your husband and your health insurance coverage could be impacted. The first issue I want to address is your HSA (Health Savings Account) contribution. These contributions are pre-tax dollars which can be used to pay medical expenses and premiums at a later date. When you have a High Deductible Health Plan ...

Immersive Experience

POMPANO BEACH, Fla. — Retired Army Col. Farrell Patrick taught computer science at West Point during the 1970s and then at two private universities through the 1990s, so he isn’t surprised by the progress technology has made over the decades. But when the 91-year-old got his first ...

20 Years Of Dedication; CADCC Celebrates The Employee Who Almost Wasn’t

Lisa Sheldon laughed as she recalled “I had been working for my mom at her home-based daycare and I decided to look for something else. I saw an advertisement in the Penny Saver for a part time Program Assistant at the Chautauqua Adult Day Care, Centers Inc. Dunkirk location. I went for an interview, where I only remember two men talking about sports.” She shrugged and smiled. A week later she received the dreaded “Dear John,” letter notifying her that she had not been selected for the job. Sheldon said that she didn’t think much of it at the time and “I didn’t even know ...

Do You Have Questions About Medicare Or Your Health Insurance? There Is Help Available

The Health Insurance Information, Counseling and Assistance Program (HIICAP) provides you and your loved ones with information and counseling about Medicare and other health insurance. Trained staff and volunteers will answer your questions. The services provided by HIICAP counselors are free and objective. To obtain assistance just call NYConnects at (716) 753-4582. It can be difficult to understand all of the Medicare rules and your medical bills. These HIICAP Counselors are here to assist you in choosing between original Medicare and Medicare Advantage plans including health ...

Hochul Releases Proposed Budget That Is Insulting To Elderly New Yorkers

New York state Gov. Kathy Hochul recently released a proposed budget that is frankly a slap in the face to Older New Yorkers. Despite headlines claiming New York as the first “Age Friendly State” in the nation and initiatives like Age-Friendly Health Systems and a Master Plan on Aging for NY, the governor is cutting funding to aging programs that currently can’t meet the needs of Older New Yorkers. It seems that the governor has forgotten about millions of older adults living in the state and the caregivers that provide essential services to them. Here are some statistics you ...

What To Know About Your Explanation Of Benefits

Question; I got a hospital bill from my admission & the Rehab stay after. I didn’t think it would cost that much? How do I know what to pay? Answer; This is the second half of a two week answer. The answer is different depending on your insurance. The key to maximizing your medical insurance coverage is first being sure the providers (Doctor, Hospital, Pharmacy, & Lab, etc.) have your correct insurance on file. Last week I covered how to read and understand a Medicare Summary Notice (MSN). This week I will cover the Explanation of Benefits (EOB) from your Secondary Insurance ...