Get Medicare Advice From State Counseling Programs

get help with medicare questions

Get Medicare advice from free state counseling programs When it’s time to choose Medicare health care or prescription drug plans, you might be wishing for some expert advice. Fortunately, state-run counseling programs are available so you can get one-on-one help with Medicare questions for free. These government programs are generally called SHIP, which stands for State Health Insurance and Assistance Programs.  Anyone…

Medicare Open Enrollment 2025: Maximize Coverage, Minimize Costs

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Medicare Open Enrollment is Oct 15 to Dec 7 Medicare open enrollment or annual election period (AEP) is an enrollment period that happens every year in the fall. During this time, Medicare plan enrollees can reevaluate their existing Medicare coverage and make changes if they choose to do so. For 2025 healthcare coverage, Medicare’s annual Open Enrollment period runs from October 15…

Get the Truth Behind 5 Common Medicare Myths

Avoid costly health insurance mistakes for older adults by knowing the truth behind 5 common Medicare myths

Medicare myths cause costly mistakes for seniors Medicare is used by nearly 66 million Americans, but there’s still a lot of confusion about how the program works. Commonly repeated myths and misconceptions can lead to costly mistakes for older adults. To help your older adult get their essential health benefits, we share the truth behind 5 common myths about Medicare. Myth #1:…

Medicare Hospital Coverage: Inpatient vs Observation Status

Hospital inpatient vs. observation status determines the Medicare coverage for hospital stays, nursing home rehab, and how much is paid out-of-pocket

Hospital status determines out-of-pocket medical costs When they’re in the hospital, it’s essential to know your older adult’s hospital status.  That’s because hospital status affects their out-of-pocket medical costs and eligibility for Medicare coverage of post-hospital nursing home stays. By law, hospitals are required to notify patients that they might have to pay huge out-of-pocket costs if they stay more than 24…

Medicare vs. Medicaid: What You Need to Know

Medicare vs. Medicaid - they’re two separate healthcare programs. Find out about key differences.

Understand Medicare vs. Medicaid to get maximum benefits Medicare and Medicaid can be confusing, partly because the names sound so similar. But they’re two very different government healthcare programs. Medicare focuses on adults age 65 and older and Medicaid focuses on low-income individuals and families. The benefits, costs, and eligibility requirements are different for each program. Neither program has automatic enrollment so…

Seniors Forced to Pay More for Prescription Drugs with Copay Accumulators – 6 Ways to Lower Costs

copay accumulator

Insurance plans are complex and confusing. Because of this, it can be hard to understand how changes will affect our wallets. But a recent change is likely to skyrocket prescription drug costs for seniors. FamilyWize explains what copay accumulators are, why they increase prescription drug costs, and how seniors can combat those rising costs.   U.S. insurance companies are adding copay accumulators…

10 Steps to Managing Medical Bills for Seniors

tips for managing medical bills

Managing medical bills is a necessary part of caregiving Managing medical bills is part of the job when you’re caring for an older adult. Unfortunately, those bills are often complicated, filled with errors, and sometimes beyond your older adult’s budget. We found a helpful image that breaks down medical bill management into 10 clear steps. This organized list makes the job much easier…

What is Medi-Cal Health Insurance?

medi-cal

What is Medi-Cal? Medi-Cal is California’s Medicaid program. It serves seniors, persons with disabilities, and other low-income individuals. The program offers free or low-cost health coverage for California residents who meet certain requirements. How much does it cost? For many people enrolled in Medi-Cal, there are no premiums, no co-payments, and no out of pocket costs. Some will have a low monthly premium.…

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