Medicare Advantage plans can take the place of Medicare Part A, Part B and Part D. What are Medicare Advantage Plans? Medicare Advantage (MA) plans are a kind of Medicare health plan offered by a private company in contract with the federal Medicare program. Also known as ‘Part C,’ the MA plan provides you with...
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Your Guide to Understanding Critical Illness Insurance
Critical illness insurance provides coverage over and beyond what your health insurance policy covers. Do you need it? Critical illnesses can strike anyone, at any time. Critical illness insurance helps you deal with the unexpected costs of these health problems. According to estimates by the American Heart Association, this year alone 600,000 Americans will experience...
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Who Needs Life Insurance?
You might wonder whether to buy life insurance or not. Do you need death coverage, or is it just an additional expense? You might think you don’t need life insurance if you do not have children. But that is not always the case. If someone depends on you financially, then you definitely need life insurance....
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The Costs of Not Having Health Insurance
It’s open enrollment: time to select your health insurance plan for the coming year. If you were thinking about skipping it this time around, get ready to pay regardless. Fines for not having coverage are increasing. For 2016, they will be $695 for each adult and $347.50 for each child, up to $2,085 for a...
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Your Guide to Long-Term Care Insurance
Long-term care is quite different than traditional medical care. It is a skilled care/personal care service that people may need if they are unable to take care of themselves due to disability, illness or cognitive impairment such as Alzheimer’s disease. Traditional medical care is aimed at trying to treat or cure illnesses. On the other...
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Understanding Medigap: The Supplemental Insurance
Medigap insurance is sold by private firms and helps individuals pay for any costs that their Medicare does not cover, such as deductibles and copayments. This type of supplemental insurance is only available to those people who already have both Parts A and B of Original Medicare. If you settled for a Medicare Advantage health...
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Top 7 Myths of Life Insurance
Life insurance can be confusing, particularly with so many options to choose from. Understanding the top seven myths about life insurance can help you make a sound decision. Life insurance is by no means a simple product. Even the relatively basic term life policies have numerous provisions and features that you should carefully consider to...
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When Social Security Won’t Help
Relying on Social Security Disability Insurance (SSDI) to cover you if you become disabled could mean financial ruin. Here’s why. You must meet all the following criteria to receive SSDI benefits: You earn more than $1,090 a month. Your condition must be so severe that it interferes with your work. Your disability must be included...
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See Everything – Considerations When Purchasing Vision Insurance
Vision insurance may seem expensive at first glance. However, doctors advise eye exams at least once every year. Secondly, you might need glasses — prescription and sunglasses — every year, and maybe contact lenses. Vision insurance covers all these items and services. Points to Consider If you are thinking of purchasing vision insurance, then there...
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Implants and Bridges — and How Dental Insurance Can Help
Dental implants and bridges both replace missing teeth. These devices will likely become more common as the baby boomers age. What are they, and will your insurance cover them? Dental Restoration Bridges A bridge is a dental restoration that “bridges” the gap left behind by missing teeth. Fixed bridges are those that have been cemented...
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