Dementia and Driving

Medicare Advantage and Hospice Posted on May 7, 2024

The end-of-life care option is the only Medicare service that can't be offered in Medicare Advantage Plans, which now covers over half of enrollees. Medicare's Innovation Center began an experiment in 2021 that allowed Medicare plans to contract directly with hospice providers. The Innovation Center announced abruptly in March that it would end the program in December.

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Dementia and Driving

Dementia and Driving Posted on March 19, 2024

As dementia progresses, driving privileges are typically revoked due to safety concerns. While some may drive during early stages, advanced dementia poses grave risks, even fatal accidents. Recognizing this, it's essential for those with loved ones facing dementia to grasp the warning signs, navigate the impact on driving privileges, and offer support during this challenging transition.

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Emergency Rooms are for Emergencies!

Emergency Rooms are for Emergencies! Posted on September 15, 2023

If you’ve ever wondered whether to go to an ER or an urgent care clinic, you’re not alone. Doctors are often asked by family, friends and patients if their symptoms warrant an ER visit, a trip to an urgent care clinic, a call to their primary care doctor or simply management at home. Here's some guidance to help you understand which might best meet your needs.

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NAIC Home Inventory App

NAIC Home Inventory App Posted on July 25, 2023

Why Create a Home Inventory? Just ask yourself: If I were robbed, had a home fire, or sustained damage from a storm… “How would I prepare a claim listing all of my possessions, for an insurance adjuster?

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Vision Costs

Vision Costs Posted on April 13, 2023

I hope this document helps you better understand some of the average costs for vision and how vision insurance versus Medicare covers the procedure. One point not covered in this document is visiting an optometrist versus an ophthalmologist - how is that covered? A visit to your optometrist will either be paid out-of-pocket or through your vision plan. An ophthalmologist is a doctor and that visit will either be covered by Medicare or your health insurance plan... or out-of-pocket. Keep in mind, out-patient testing is handled separately from a doctor visit.

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Short Term or Long Term Care?

The Long-Term Care Dilemma… Posted on February 8, 2023

A frequently cited statistic on Long Term Care states that if you’re 65 years old, there’s a 70% chance you’ll need long-term-care services during your lifetime—that includes unpaid care provided by family. But, like many, you may need care for only a few weeks or months, not a long-term period.

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Short Term Care Posted on January 2, 2023

Short Term Care is Home Health Care for 1 year or less. For most, this is adequate. Almost half of long-term care insurance claims last for one year or less and many Short Term Care policies restore benefits if covered home health care services have not been received for 180 consecutive days.

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Medicare Plans and Retirement Posted on January 2, 2023

My intent with this is to only address the Medicare Retirement Plans often offered by employers.

First, most employers turn over their Medicare Retirement Plans to a third-party organization for administration. Certainly, the employer had a role in the details of the plan on an annual basis. But after that is done, the third-party handles the rest.

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The Dobbs Decision Posted on July 20, 2022

This document was written to help brokers understand how to best assist clients with the recent Supreme Court Decision on abortion. While written for insurance brokers, the document does an excellent job of helping interested persons understand their options.

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Caregiver Support Guide Posted on May 18, 2022

As a caregiver, it's good to know about the support options available to you. We've created a guide including tips and forms to help caregivers support loved ones including – Emergency Contact Information, Important Contacts, Medications, Questions to ask to help with care, Home Safety Check List, and Community Resources.

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Understand how HIPAA can prevent you from helping a hospitalized loved one. Posted on May 10, 2022

I have, unfortunately, had several recent situations where I was confronted with the Health Insurance Portability and Accountability Act (HIPAA). You've signed HIPAA forms dozens of times by now.

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Medicare Advantage Is Cheaper for a Reason Posted on October 25, 2021

The smart way to shop for any type of insurance is to steel yourself and imagine the worst. The house burns down. The car is totaled. With those “what-ifs” front and center, you’ll likely seek out the best protection.

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The all-important 3-question Medicare quiz Posted on August 30, 2021

Signing up for Medicare is simple, but not easy. And, as you will see by these questions, there can be vital importance in working with an independent, licensed agent to help you navigate the complexity of Medicare. Their unbiased services will cost you nothing.

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How to replace important documents that are lost or missing Posted on August 9, 2021

A resource guide to replacing important documets such as birth certificates, property deeds, marriage certificates and many more.

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Legacy Safeguard

Legacy Safeguard Posted on June 17, 2021

Legacy Safeguard can provide you with legacy planning, end of life planning, assistance, support, and guidance at no cost.

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