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More about Jory
I have spent the last 10 years of my life focused on helping others through challenging times in their life, whether it be marriage issues, financial issues, or just simply helping to provide directions. In that same vein, I love what I am doing with eHealth: Providing Medicare beneficiaries a safe place to turn to get honest feedback, with unbiased recommendations, in a relaxed, no-pressure environment. I love taking something that can be incredibly overwhelming and making it relatively effortless. I walk people through the decision-making process so that they are confident in the plan they ultimately choose.
Three words that describe me:
Patient, understanding, and honest.
Favorite thing to do when not at work:
Work with families in planning their future.
Favorite place to visit and why:
Panama. I had an amazing time there, from snorkeling in the Atlantic Ocean to cruising through dirt roads in the jungle. Most amazing place there is an old pirate fort called Fort San Lorenzo. Amazing history in Panama.
What I like most about helping people find the right Medicare plan options:
Typically, when people call me, they are at the breaking point with their plan options. They have talked to several insurance companies and hear one thing, their friends are telling them another, and Internet blogs are saying something different. At this point, anyone would be confused and frustrated. What I find is most of these sources of information are all FEAR-based decision making. They are trying to scare you into a plan or scare you away from other plans. What I enjoy doing is explaining the options from a factual perspective. I explain how the plans work with Medicare, what the benefits are, and simply educate the beneficiary so he or she can make an educated decision. Because let’s face it: Every individual is different, and the plan that is working great for your friend might not be the right plan for you.
Sports team: the Seattle Seahawks
Movie: Seven Brides for Seven Brothers
Author: John Maxwell
Quote: E + R = O (Event + Response = Outcome) I believe if we decide what the outcome is what we desire, it won’t matter what life events get thrown at us. We just need to learn to respond to the event to get the outcome we want.
Medicare articles by Jory
Medicare and Hypoglycemia
Hypoglycemia, or low blood sugar, can sometimes result from trying to manage diabetes, according to the Mayo Clinic. Medicare may cover some services or supplies related to diabetic hypoglycemia. What is hypoglycemia? Hypoglycemia is low blood sugar... Read more
How much does surgery cost?
If you have a condition that requires surgery, you may be worried about the surgery cost. Factors that can affect surgery cost for you are: The type of surgery whether you are an inpatient or outpatient how anesthesia is used the specific health... Read more
How do I choose a health insurance provider for my Medicare Advantage plan?
Today, over one-third of all Medicare beneficiaries are in Medicare Advantage plans, according to the Centers for Medicare and Medicaid Services (CMS). Depending on where you live, you may have several options for health insurance providers of Medicare... Read more
How Much of All My Health-Care Costs Does Medicare Cover?
Medicare covers a wide range of health-care services. But does Medicare cover all your medical expenses? Be aware of the limits of Medicare coverage so you will know how much you can expect to pay. Medicare coverage: what costs does Original Medicare... Read more
Am I eligible for Medicare if I am 60 and unemployed?
Some companies or unions might offer early retirement packages. This can be tempting, but you may want to make sure you can still get health insurance through the company or union after you retire. You are probably not eligible for Medicare if you retire at... Read more
How Do I Pay for Long-Term Care?
If you’re wondering if you may need long-term care in your later years, there is a probability that you will. According to the U.S. Department of Health and Human services, someone turning 65 today has almost a 70% chance of needing some type of long-term... Read more
Will my younger spouse be eligible for Medicare coverage once I turn 65?
If you’re planning ahead for Medicare for yourself and your spouse, it’s helpful to know some of the basics about Medicare eligibility. You might qualify for Medicare when you turn 65, but your younger spouse might have to wait. Will I get Medicare... Read more
Does Medicare Cover X-Rays?
It could be anything from viewing a broken bone to screening for pneumonia or certain types of cancer. There are many reasons your doctor might order an x-ray, according to the National Institutes of Health. Here are just a few other examples of what doctors... Read more
Does Medicare Cover Hyperglycemia?
If you're one of many Americans with diabetes, you may be familiar with hyperglycemia and its health dangers. Learn more about hyperglycemia, including diabetes management tips and how Medicare covers hyperglycemia and other complications from diabetes. What... Read more
Does Medicare cover Orthopedic Shoes?
Why wear orthopedic shoes? According to the Cleveland Clinic, the average person will walk the equivalent of four times around the earth in his lifetime. The circumference of the earth is 24,901 miles, so that’s almost 100,000 miles of walking. It may then... Read more
Aspirin for Heart Attack Prevention: Understanding Aspirin Therapy
Aspirin, the drug many people take for headaches or other pains, is a familiar fixture in many medicine cabinets. Some seniors take a daily low-dose aspirin for heart attack prevention. But aspirin therapy isn’t right for everyone, according to the Mayo... Read more
Anemia: causes, prevention and treatment
What is anemia? Anemia is a blood disorder where you don't have enough red blood cells or your blood doesn't have enough iron, according to the National Heart, Lung, and Blood Institute. Since red blood cells deliver oxygen to your cells, having anemia means... Read more
What Do the Letters Mean in Medicare Supplement Plan Names?
If you've just started researching Medicare Supplement plans, you may have noticed that each plan is labeled with a different letter. Here's a quick overview of what those letters mean, the differences between the Medicare Supplement plan types, and how to... Read more
Alzheimer’s Disease and Alzheimer’s Care Facilities
If you or a loved one has recently been diagnosed with Alzheimer’s disease, it is important to start planning early for suitable housing to meet care needs as the disease and its symptoms progress. According to the Alzheimer’s Association, everyone... Read more
E-Prescribing: What Is It and How Can It Help You?
So many aspects of our daily life can now be done online. For example, many health-care providers can order your prescriptions online for you. Find out what health professionals and researchers are saying about e-prescribing. In 2009, the Centers for... Read more
6 Tips for Preparing for Surgery
Americans undergo an average of 9.2 surgical procedures per lifetime, according to the American College of Surgeons. The chances you’ll have surgery increase with age. If you’re facing your first surgery, you may be nervous. Here are 6 tips to help you in... Read more
How to Do a Skin Self-Exam
Learning how to do a skin self-exam could help you detect cancer early and even save your life. If you've never done a self-exam before, here's how. How a regular skin self-exam may prevent cancer According to the American Cancer Society, skin cancer is by... Read more
Recovering From a Hip Replacement
The first hip replacement surgery was in 1960, and it has become commonplace. The right kind of exercise might help you recover faster from your hip surgery, according to the American Academy of Orthopaedic Surgeons (AAOS). Are you about to have hip... Read more
What’s New about the Medicare Card in 2018?
If you have Medicare, you can expect to receive a new Medicare card. Between April 2018 and April 2019, the Centers for Medicare & Medicaid (CMS) will mail new Medicare cards to more than 60 million Medicare beneficiaries. Because this mailing is... Read more
Does Medicare Cover Arthritis Treatment?
Arthritis is a common concern of seniors. The Centers for Disease Control and Prevention (CDC) estimates that over 54 million American adults have arthritis. There are over 100 types. Here's a quick overview of the most common types, and information about... Read more
Does Medicare Cover Anemia?
When you have anemia, your blood doesn't carry enough oxygen to the rest of your body because you don't have enough red blood cells. According to the National Heart, Lung, and Blood Institute, the most common type of anemia is caused by an iron... Read more
Heart Disease: Risk Factors and Symptoms
According to the Centers for Disease Control and Prevention (CDC), heart disease is the leading cause of death in the U.S. About a quarter of all deaths are due to heart disease, so it's important to recognize the symptoms of heart disease and know... Read more
Men and Hair Loss
Learn about the causes of male hair loss, how to prevent it, and what your treatment options are. Hair loss in men vs. women Both men and women can experience hair loss, but it may look different. According to the National Institutes of Health (NIH), the... Read more
Funeral Planning Guide
If you've recently experienced the loss of a loved one, funeral planning may feel overwhelming. Here's a funeral planning overview to help ease the burden during this difficult time. Funeral planning: getting started Knowing how to plan a funeral, or even... Read more
Does Medicare Cover UTI treatment?
What is a UTI? According to the Centers for Disease Control and Prevention (CDC) a urinary tract infection (also called UTI) is an infection involving any part of the urinary tract including: Bladder Kidneys (two bean-shaped organs that filter blood... Read more
Does Medicare Cover Sepsis?
Sepsis, which is potentially fatal, is the body's extreme response to infection. Sepsis causes system-wide inflammation injuring tissues and organs, according to the Centers for Disease Control and Prevention (CDC). Sepsis may progress to septic shock,... Read more
Should I Take Vitamins for Seniors?
You might see ads for vitamins for seniors. Most of us know that good nutrition and a balanced diet are important for good health. We also may hear a lot of talk praising various vitamins for seniors for a myriad of benefits they might provide —restoring... Read more
Is Alzheimer’s Disease Hereditary?
If someone in your family has Alzheimer's disease, it's normal to wonder if your chances of developing the disease are increased. According to the National Institute of Health, many human diseases have a genetic, or hereditary component. According to the... Read more
Does Medicare Cover Vertigo?
Have you ever felt like everything around you was spinning? A common cause of this dizziness is vertigo, a balance disorder. Learn more about this condition and how Medicare covers vertigo treatment. What is vertigo? According to the National Institutes of... Read more
Does Medicare Cover Antibiotics?
What are antibiotics? Antibiotics are medications that kill bacteria in the body. Doctors may prescribe antibiotics to treat bacterial infections, according to the National Institutes of Health. Antibiotics: what kinds of infections are they used to... Read more
20 Healthy Activities to Try with Your Grandchildren
Some seniors find that caring for their grandchildren is both pleasant and rewarding. In fact, caring for your grandchildren may also be healthy. Research suggests that seniors who babysit grandchildren may lower their risk of developing Alzheimer’s disease... Read more
Volunteer Opportunities for Seniors
Volunteer opportunities for seniors may be plentiful in your community. According to the National Institutes of Health, volunteering can Keep you active and engaged Help you make new friends Make you feel good to be helping out How can volunteer... Read more
Does Medicare Cover Care in Religious, Nonmedical Health-Care Institutions?
What is a religious nonmedical health-care institution? A religious nonmedical health-care institution is a facility that provides nonmedical nursing items and services to people who need hospital or skilled nursing facility care but who choose to rely... Read more
Does Medicare Cover an Advice Nurse
As a Medicare enrollee, you may have access to an advice nurse, depending on the type of plan you choose. Here's what you need to know about Medicare and advice nurse services. What is an advice nurse? According to the U.S. Library of Medicine,... Read more
The Opioid Epidemic: Protecting Your Loved One
According to the U.S. Department of Health and Human Services (HHS), 91 Americans die every day from an opioid overdose, meaning there are about 33,000 opioid deaths a year. According to HHS, drug overdose deaths are the leading cause of injury deaths in the... Read more
Does Medicare Cover Bathroom Safety Devices?
The bathroom can be a dangerous place for an older person. The bathroom is filled with hard surfaces, such as tile and porcelain that can get wet and slippery. According to the Centers for Disease Control and Prevention (CDC), nonfatal bathroom injuries... Read more
Does Medicare Cover a Heart Transplant?
Has a doctor recommend heart transplant surgery for you or someone you love? A heart transplant is a complicated procedure, but the good news is that your chances of survival are good, according to the Mayo Clinic. Knowing what to expect before and after... Read more
Does Medicare Cover Electrolysis?
Medicare typically does not provide coverage for electrolysis, a procedure that removes unwanted hair. Hair removal procedures, including electrolysis, are generally considered cosmetic procedures. Medicare excludes cosmetic treatment from coverage unless it... Read more
Does Medicare Cover a Pancreas Transplant?
The pancreas is a gland that produces insulin, according to the Mayo Clinic. Insufficient insulin can result in type 1 diabetes. Although not common, a pancreas transplant is sometimes performed as a treatment for people with severe type 1 diabetes, according... Read more
Does Medicare cover chronic liver disease?
Statistics from the Centers for Disease Control and Prevention (CDC) suggest that nearly 4 million Americans suffer from chronic liver disease, or about 1.6% of all adults. If you or someone you love has chronic liver disease and are enrolled in Medicare,... Read more
Will Medicare Help Pay for My Medical Expenses in a Car Accident?
According to the Centers for Disease Control and Prevention (CDC), over 2 million people are injured in car accidents each year. If you are one of those people, it's normal to wonder how you will pay your medical expenses if you are injured. The good news... Read more
Does Medicare Cover a Dental Abscess
A dental abscess is caused by a bacterial infection in a tooth and, if untreated, can spiral from a painful toothache to potentially fatal septic shock. Learn how to identify and prevent a dental abscess and whether Medicare covers dental treatment for a... Read more
What to Do if Your Medicare Supplement Plan is Discontinued
If your Medicare Supplement plan has been discontinued, you may want to understand how this could happen and what you can do. Here's some information for you. Usually, Medicare Supplement (Medigap) plans are "guaranteed renewable." That means that even if... Read more
Medicare Supplement Insurance for Those Under 65 in Florida
Are you under 65 with a disability and looking for help with Original Medicare out-of-pocket costs? A Medicare Supplement (also known as Medigap) plan might help with some of these costs, like copayments and deductibles. Some Medicare Supplement plans might... Read more
Are Generic Prescription Drugs as Effective as Brand Name Drugs?
Almost 90% of prescriptions filled in the United States are for generic drugs according to the Food and Drug Administration (FDA). Brand name drugs are released first and generic drugs are copies of them. For example, the generic version of the erectile... Read more
Does Medicare Cover Methadone?
What is Methadone? Methadone is an opioid (narcotic) used to relieve moderate to severe around-the-clock pain, according to the National Institutes of Health (NIH). It's also used to treat addiction to opioid drugs such as heroin and prescription narcotic... Read more
Does Medicare Cover Morphine
What is Morphine? Morphine is a prescription drug used to relieve moderate to severe pain, according to the U.S. National Library of Medicine. Morphine is narcotic (opiate) that works by changing the way the brain and the nervous system respond to pain.... Read more
Managing Health-Care Costs with a Medicare Supplement Plan
Managing health-care costs can be a huge source of stress for many Medicare beneficiaries. Learn how a Medicare Supplement plan may help with out-of-pocket costs so you can get the care you need while keeping medical expenses in check. Why managing... Read more
How Can I Stay Independent as Long as Possible?
According to a report by the Department of Housing and Urban Development (HUD) Office of Policy Development and Research, the overwhelming majority of seniors want to live independently in their homes as they age and 93% Medicare enrollees over age 65 are... Read more
Will Medicare Cover Vitamins and Supplements?
Some people value vitamins and supplements. Health-care providers may recommend certain vitamins and supplements, such as vitamin D and calcium, the National Institutes of Health reports. Medicare doesn't generally cover vitamins and supplements. There may... Read more
Does Medicare Cover Exercise Programs?
Original Medicare, Part A and Part B, doesn't generally cover gym memberships or exercise programs. However, there are a few exceptions, and you may also be able to get coverage through a Medicare Advantage plan or Medicare Supplement plan. Medicare coverage... Read more
Can I Use Any Doctor with a Medicare Supplement Plan?
Some people worry about whether they'll be able to use the doctor of their choice, or any doctor they want, when they start getting Medicare benefits. If you buy a Medicare Supplement plan to work alongside your Medicare coverage, you may generally have a... Read more
What is Long Term Care?
It can be difficult and a bit frightening to learn that you or someone you love needs long term care. You may have questions about the type of care available, how to choose long term care facilities, and where to get help with costs. If you are facing the... Read more
Does Medicare Cover the Ensure Drink?
The Ensure drink is a brand-name for a nutrition shake which can be used as meal replacement or a meal supplement. According to ensure.com, some Ensure drinks “are designed to provide complete, balanced nutrition to help people maintain or gain a healthy... Read more
What You Should Know about Hiring a Caregiver for the Elderly
If your aging loved one is coping with Alzheimer’s and dementia, cancer, stroke, or another disabling condition, you may find that she can no longer live safely or easily on her own. She may need help with the most basic tasks of life, from going to the... Read more
What is Hospice Care?
It might comfort you to know that Medicare may cover hospice care if you or a loved one has a terminal illness – that is, if your doctor has determined that your condition won't improve and that your life expectancy is six months or less. Hospice care is... Read more
Tips for Lowering Out-of-Pocket Medicare Expenses
Out-of-pocket Medicare expenses include all medical expenses that you have to pay out of your own pocket, such as deductibles, copayments, and coinsurance. If you are familiar with an employer-sponsored health-care plan, you may expect an out-of-pocket... Read more
Taking Care of Medicare Billing When I’m Sick in the Hospital
It could be one of your worst nightmares: you're involved in a major car crash that lands you in the hospital for an extended period – perhaps in a coma connected to a respirator. Thinking about Medicare billing may be the last thing on your mind, but if... Read more
Will My Specialist’s Services be Covered under My Medicare Plan?
Whether you're switching from one type of Medicare coverage to another, or you're new to Medicare, you might be concerned about being able to continue seeing your health-care specialist. Will your specialist’s services be covered by Medicare? That may... Read more
Smart Watch Features That May Help Improve Seniors Health
If you’re a senior considering buying a smart watch, you might be interested in the health and safety benefits it might provide. According to the NPD Group, a market research company, only about 5% of smart watch owners are 55+ but this doesn’t mean that... Read more
Coinsurance vs Copay
Medicare usually involves various cost-sharing mechanisms, such as coinsurance or copayments, that you generally pay every time you use your benefits to get health care. Keep in mind there is no out-of-pocket maximum with Original Medicare (Part A and Part... Read more
Medicare Coverage of Syphilis Treatment
Syphilis is a sexual transmitted disease (STD) that you can get from direct contact with a syphilis sore during vaginal, anal, or oral sex, reports the Centers for Disease Control and Prevention (CDC). An untreated syphilis infection can span decades and... Read more
Medicare Part D: How Is It Funded?
The Medicare Part D prescription drug program is available to all 58 million Americans currently on Medicare, including seniors 65 and over as well as those under age 65 with disabilities or certain conditions that qualify them for Medicare coverage.... Read more
How is Medicare Advantage plan funded?
Medicare Advantage (Medicare Part C) is an alternative way to get your benefits under Original Medicare (Part A and Part B). By law, Medicare Advantage plans must cover everything that is covered under Original Medicare, except for hospice care, which is... Read more
Do Medicare Advantage Plans Have Guaranteed-Issue Rights?
If you're interested in Medicare Advantage (Medicare Part C) but have pre-existing health conditions, you may be wondering whether your medical history may make it harder to find a plan – or whether you may have to pay more for coverage. Medicare Advantage,... Read more
Can I Be Turned Down for Medicare Supplement Insurance?
Medicare Supplement plans are sold by private insurance companies to work alongside your Original Medicare (Part A and Part B) coverage and help cover out-of-pocket costs such as copayments, coinsurance and deductibles. These plans could help you save on... Read more
Medicare Supplement Plans and Medicare Prescription Drug Coverage
The need for prescription drug coverage According to the National Institutes of Health, people aged 65 and older make up only 13% of the population, but make up for more than 33% of outpatient spending on prescription medications in the United States. This... Read more
What are the benefits of Medicare Advantage over Original Medicare?
According to the Center for Medicare and Medicaid Services (CMS), as of 2017, roughly a third of all Medicare beneficiaries were enrolled in Medicare Advantage plans. What is the difference between Original Medicare and Medicare Advantage? Medicare... Read more
Can I Stay in the Hospital Without Paying My Medicare Deductible?
If you are a Medicare beneficiary and you go to the hospital, the hospital cannot refuse to admit or treat you based on lack of payment of your Medicare Part A deductible. In 2018, this amount is $1,340. Additionally, if you seek emergency treatment, you will... Read more
Will Medicare Cover a Ramp to My Front Door?
If you or someone you love has mobility issues, you may want to install a wheelchair ramp to the front door to make it possible to avoid stairs. Unfortunately, if you are enrolled in Original Medicare (Part A and Part B), there is generally no coverage for a... Read more
Complete Guide to Medicare: Understanding When You Can Enroll in Medicare
This article outlines when you can enroll in Medicare Part A, Medicare Part B, Medicare Supplement insurance a stand-alone Medicare Prescription Drug Plan (Part D), or a Medicare Advantage plan. Assuming you meet residency requirements, you generally first... Read more
Tips for the Long Distance Caregiver
According to the National Institute on Aging (NIA), if you live more than an hour from a person who needs care, you are engaged in long distance caregiving. Long distance caregiving takes many forms. Some caregivers simply manage their loved one's personal... Read more
A Caregiver’s Guide to Choosing Medicare Plans with Part D Coverage
Roughly 44 million caregivers in America provide unpaid care for an adult or child, according to the National Alliance for Caregiving. As a caregiver (whether you're a son, daughter, friend, or professional caregiver), it's important to find appropriate... Read more
Medicare Basics Every Caregiver Should Know
If you’re a caregiver for someone enrolled in or about to be eligible for Medicare, you may not know much about the program and what it offers. This article provides an overview of Medicare and information to keep in mind so your loved one can make the most... Read more
Does Medicare Cover Mental Health?
According to the National Alliance on Mental Illness (NAMI) about one in five adults, or around 20%, experience mental illness in a given year. Mental health diagnoses include schizophrenia, bipolar disorder, major depression, and anxiety disorders such as... Read more
Protecting Yourself from Medicare Fraud
There are numerous types of Medicare fraud that can target you, the Medicare beneficiary, directly. But there are some general rules of thumb that you can use to protect yourself from unscrupulous individuals looking to either steal your identity or scam you,... Read more
Can You Get Medicare If You Have Disability Entitlement?
You can still get some types of Medicare coverage if you are entitled to disability benefits and under 65. The process of enrolling in Original Medicare Part A and Part B is virtually the same as for individuals who do not have disability entitlement.... Read more
Can I have a Medicare Advantage and Medicare Supplement plan at the same time?
You won’t need a Medicare Supplement (also known as Medigap) plan if you decide to enroll in a Medicare Advantage plan. It wouldn't do you any good, since a Medicare Supplement plan wouldn't cover your Medicare Advantage out-of-pocket costs (such as... Read more
How do I find the best Medicare Supplement (Medigap) plan?
Are you considering getting a Medicare Supplement plan? Maybe you want to find out more about Medicare Supplement insurance. Make sure you understand what different plans cover so you can find a plan that may best meet your needs. What is a Medicare... Read more
Medicare and Wheelchair Coverage
If you have mobility problems and your doctor recommends a wheelchair or other device to help you get around, Medicare Part B may cover 80% of the allowable charges after you've met your deductible as long as you meet certain eligibility requirements. How... Read more
Medicare and Darvocet-N 100
Darvocet-N is a strong opioid prescription pain medication, according to the FDA. Do you take the prescription medication Darvocet-N 100 or the generic equivalent, propoxyphene napsylate and acetaminophen, and wonder whether Medicare covers your prescription?... Read more
Does Medicare Cover Zocor?
Zocor is a medication called a “statin” that some patients use to lower their levels of certain kinds of cholesterol, per the United States Food and Drug Administration. If you are enrolled in Medicare, you may have coverage for Zocor and its generic,... Read more
Does Medicare Cover Bariatric Surgery?
Bariatric surgery is a type of weight loss surgery that may be recommended in some situations to treat obesity. Although there are different types, the procedure may involve surgically reducing the size of your stomach, so you will eat less food but feel full... Read more
Does Medicare Cover Paxil?
According to the National Institutes of Health (NIH), Paxil is one brand name for a generic medication called paroxetine, which may be used to treat conditions such as: Depression Panic disorder Social anxiety disorder Obsessive-compulsive... Read more
Does Medicare Cover Norvasc?
Does Medicare cover Norvasc? Doctors may prescribe a brand-name prescription called Norvasc or a generic prescription called amlodipine for some patients experiencing high blood pressure and chest pain (angina), according to the National Institutes of Health.... Read more
Does Medicare Cover Mobic?
Medicare generally doesn't cover the prescription drug Mobic, or other medications taken at home, unless you are enrolled in a stand-alone Medicare Part D Prescription Drug Plan or a Medicare Advantage Prescription Drug plan. Will Medicare cover... Read more
Does Medicare Cover Lanoxin?
If your doctor prescribes treatment with Lanoxin, Medicare generally will not cover your medication, unless you are enrolled in stand-alone Medicare Part D prescription drug coverage or a Medicare Advantage Prescription Drug plan. Here's what you should know... Read more
High Cholesterol Overview: Signs, Symptoms, Prevention, and Treatment
Cholesterol is a wax-like substance found in fats, that your body needs, says the Center for Disease Control (CDC) website. However, if you have high cholesterol (also called hyperlipidemia), you may be at risk for serious health complications such as heart... Read more
Medical Marijuana and Medicare Coverage
Marijuana is the dried stems, flowers and leaves of the hemp plant Cannabis sativa which people smoke or consume, according to the National Institute of Health (NIH). Under the U.S. Controlled Substances Act, marijuana is categorized as a Schedule 1... Read more
What Is Post-Traumatic Stress Disorder?
While Post-Traumatic Stress Disorder (PTSD) is something usually associated with military veterans, it can develop in anyone who experiences a shocking or dangerous event, according to the U.S. Department of Veterans Affairs (VA). In fact, according to the... Read more
HIV and AIDS Treatment Options
Although people sometimes use HIV and AIDS interchangeably, the two terms refer to different things. According to the government website aids.gov, HIV (which stands for human immunodeficiency virus) is a virus that can cause the disease AIDS (which stands... Read more
Does Medicare Cover Hearing Aids?
Hearing aids can be expensive. The National Institutes of Health (NIH) found that the average price of a digital hearing aid that requires fitting procedures was about $1,500 and that some hearing aids cost up to $5,000 (as of 2013). It's no wonder you may... Read more
What does a formulary in a Medicare Part D Prescription Drug Plan mean?
Medicare requires that every private insurance company approved to offer Medicare Part D Prescription Drug Plans provide a certain minimum level of coverage. However, the individual companies have some flexibility in deciding which prescription drugs they... Read more
Seniors and Insomnia
If you have trouble falling or staying asleep, you may have insomnia. According to National Institute of Health (NIH), insomnia affects almost half of adults age 60 and older. Insomnia can result in serious health concerns. Specifically, the NIH study showed... Read more
Does Medicare Cover Medical Transportation?
Many aging adults and people with disabilities occasionally have trouble getting to and from the doctor or hospital for their medical care. They may no longer drive or are too ill to drive safely. If you're a Medicare beneficiary here's what you should know... Read more
Balance Exercises for Seniors
Falls are a serious issue for older people. According to the Centers for Disease Control and Prevention (CDC), one-fourth of all aging adults fall each year, and falling once increases your chance of falling again by 200%. How serious are falls? Over... Read more
Depression and Caregiving
About 43 million Americans act as unpaid caregivers, the National Institutes of Health (NIH) reported in 2015. Women make up the majority of caregivers (about two-thirds). About three in five caregivers have a full-time job in addition to... Read more
A Caregiver’s Guide to Understanding Dementia
Are you a caregiver for a loved one with dementia? It may help to gain an understanding of this condition and learn how dementia is defined. What is dementia? The National Institute on Aging (NIA) defines dementia as "the loss of cognitive functioning –... Read more
How to Evaluate Medical Research Studies and Clinical Trials
If you're caring for someone you love who has a chronic disease or illness, you may want to know about new medical research studies and clinical trials of promising drugs. On one hand, medical research studies frequently provide new information for possible... Read more
Caregiver Tips for Traveling
As a caregiver, traveling with your loved one can present a challenge – for example, if he or she has Alzheimer's disease. In addition to all the detailed planning for medications, therapies, and any other special care your loved one needs once you arrive... Read more
What is the Treatment for Diabetes?
Diabetes is a disease where your body doesn't adequately control blood sugar (glucose) levels, because it doesn't produce enough of the insulin hormone or doesn't use the hormone efficiently, according to the National Library of Medicine. The National... Read more
Medicare Coverage of Diabetes
According to the Centers for Disease Control and Prevention (CDC), about 29 million Americans suffer from diabetes, or approximately 9.3% of the population (all ages in 2012). The Centers for Medicare & Medicaid Services (CMS) says that diabetes is a... Read more
Does Medicare Cover Glucotrol XL?
Original Medicare (Part A and B) doesn't typically cover prescription drugs like Glucotrol XL. This is the brand name for the generic drug called glipizide. Doctors sometimes prescribe Glucotrol XL to help patients treat type 2 diabetes, according to the... Read more
Do I Need an Advance Directive?
Have you been thinking about filling out an advance directive? According to the National Institute on Aging (NIA), advance-care planning, or making plans about your health care in the event of a medical crisis, is an important step at any age. Advance-care... Read more
Caring for Someone with Huntington’s Disease
According to the National Institute of Neurological Disorders and Stroke (NINDS), Huntington's disease (HD) is an inherited disorder that causes brain cells (neurons) to progressively break down. This means that the symptoms of Huntington's disease (HD) get... Read more
Caring for Elderly Parents
When a parent reaches the point where living alone is no longer a safe option, one out of a group of siblings might step up to become the caregiver for aging parents. If that's your role in the family, you may have questions and concerns about what to... Read more
What to do if Your Parents Refuse to Wear Medical Alert Devices
Wearing a medical alert device might help your parents stay safe. You might be concerned about your parents’ safety at home if they are 65 and older. According to the Centers for Disease Control and Prevention (CDC), one out of three people (who are 65 and... Read more
What are the Treatment Options for Amyotrophic Lateral Sclerosis (ALS)?
According to the National Institute of Neurological Disorders and Stroke (NINDS), amyotrophic lateral sclerosis (ALS), also known as Lou Gehrig's disease, is a progressive motor neuron disease that causes nerve cells to break down and die over time. These... Read more
Does Medicare Cover Hyperbaric Oxygen Therapy?
For certain medical conditions, health-care providers may recommend hyperbaric oxygen therapy, which is when you breathe oxygen in a special pressurized chamber. Please note that hyperbaric oxygen therapy has not been clinically proven for the treatment of... Read more
What is the Medicare Beneficiary Ombudsman?
Have you ever wanted to: File a complaint or grievance with Medicare Get help figuring out how your Medicare coverage will help pay for your medical costs Or get answers to other questions about the program? You're not alone. As a Medicare... Read more
Does Medicare Cover Walking Canes?
Your doctor may prescribe a walking cane or a walker to give you the support you need if you have mobility or balance issues. In most cases, if you’re enrolled in Medicare Part B, walking canes and walkers your doctor orders for you are covered as part... Read more
What Are My Rights to a Fast Appeal?
If you are enrolled in a Medicare Advantage plan or Medicare health plan, you can ask for a fast appeal if you’re receiving Medicare services from a facility or health-care agency and you think your Medicare-covered services are ending too soon. Your right... Read more
Medicare Coverage of Colon Cancer
According to the Centers for Disease Control and Prevention (CDC), the risk of developing colon cancer increases dramatically as people age. More than ninety percent of patients were 50 years of age or older when they were first diagnosed. Besides age,... Read more
Does Medicare Cover Medical Nutrition Therapy?
If you are covered under Original Medicare (Part A and Part B) or enrolled in a Medicare Advantage plan, you may be eligible for medical nutrition therapy services at no cost to you if you meet certain requirements. Here's what you should know. What... Read more
How Do I Choose Between Medicare and Employer Coverage?
Nearly 20% of Americans age 65 and over are still working (whether or not they have retired from their careers), according to a 2013 study by the Associated Press. If you're one of them, you may have questions about whether to enroll in Original Medicare... Read more
Comparing Medicare Supplement (Medigap) Plan F and High-Deductible Plan F
As you may know, Original Medicare (Part A and Part B) may leave you with out-of-pocket hospital and medical costs, like copayments, coinsurance, and deductibles. To help cover these "gaps," you can consider purchasing one of the 10 standardized Medicare... Read more
Does Medicare Cover Pap Smears?
According to the American Cancer Society, women age 21 to 29 should have a Pap smear test to screen for cervical cancer every three years. Women age 30 to age 65 should have a Pap smear test combined with an HPV test every five years. Women over 65 and women... Read more
Does Medicare Cover Macular Degeneration?
If you are a Medicare beneficiary and have been diagnosed with macular degeneration, you will be relieved to know that Medicare may cover certain diagnostic tests and treatments for age-related macular degeneration. The drugs and services Medicare may cover... Read more
Does Medicare Cover Kidney Failure?
The kidneys perform the essential function of removing waste and excess water from the body, according to the National Institutes of Health (NIH). Kidney failure, also called end-stage renal disease (ESRD), is the final stage of chronic kidney disease. When... Read more
What Medicare Advantage Plans Does UnitedHealthcare Have?
If you are currently enrolled in Original Medicare (Part A and Part B), you may be interested in learning more about Medicare Advantage plans, which may cover Medicare benefits beyond the federal program. Unlike Original Medicare, Medicare Advantage plans... Read more
Do UnitedHealthcare Medicare Plans Include Routine Dental Coverage?
UnitedHealthcare Medicare Advantage plans offer you an alternative way to get your Original Medicare (Part A and Part B) benefits. By law, all Medicare Advantage plans must cover, at a minimum, everything Original Medicare covers (except hospice benefits,... Read more
New to Anthem Medicare? Here’s What You Need to Know
Whether you are looking for Anthem Medicare Advantage plans, Anthem Medicare Part D Prescription Drug Plans, or Anthem Medicare Supplement (Medigap) plans, or if you've recently enrolled in an Anthem Medicare plan, here are some tips to help you... Read more
How Can I Find Healthcare Providers Who Accept Anthem Medicare Plans?
Are you enrolled in an Anthem Medicare Advantage plan or Anthem Medicare Part D Prescription Drug plan? You may be required to use providers and pharmacies who participate in Anthem's network in order to access plan benefits and minimize your... Read more
What Medicare Plans Does WellCare Offer?
Whether you're new to Medicare or exploring your coverage options, Wellcare offers a variety of Medicare plans to suit your needs. To start, it may be helpful to understand the different "parts" of Medicare and how they work together. The Medicare program... Read more
How Can I Find Out if My Prescription Drugs are Covered by My WellCare Medicare Advantage or WellCare Standalone Prescription Drug Plan?
If you have a WellCare Medicare Advantage plan or a stand-alone WellCare Medicare Prescription Drug Plan, and take prescription medications on a regular basis, you may want to know what coverage is available to help you lower your out-of-pocket costs. This... Read more
Do WellCare Medicare Plans Cover Routine Dental Services?
If you're like many people, you may have concerns about managing your dental care costs, and perhaps your search for dental coverage through a Medicare health plan brought you here. If you're enrolled in a WellCare Medicare Advantage plan, or you're looking... Read more
Is a Coventry Medicare Advantage Prescription Plan the Same as a Standalone Medicare Prescription Drug Plan?
If you're unsure about how Medicare Part D prescription drug coverage works with Coventry Medicare Advantage plans and other Coventry Medicare plans, you're not alone. Medicare prescription drug coverage is available under the Medicare program in two... Read more
How to Appoint a Personal Representative to Help File Your Appeals and Grievances
As a Medicare beneficiary, you have the right to request an appeal of decisions made by your Medicare health plan, or to file a grievance about the care or treatment you received from a Humana provider or other provider while you are enrolled in a... Read more
Do Medicare Plans from Humana Cover Routine Vision Services?
Original Medicare, Part A and Part B, doesn't generally cover routine vision services. If you have an injury or a medical condition that affects your eyes or vision, you may be covered for medically necessary care to diagnose and treat your condition, but... Read more
Do Medicare Advantage Plans Offered by Humana Cover Routine Dental Services?
If you are enrolled in Original Medicare (Part A and Part B), you may already know that it doesn't cover routine dental care. However, if you choose to get your Medicare benefits through a Medicare Advantage plan offered by Humana, you may be able to get... Read more
New to Aetna? Here’s What You Need to Know
If you've recently enrolled in an Aetna Medicare plan, this information will help you understand the enrollment process and how to get the most out of your new plan. When will I get information about my Aetna Medicare plan? After you enroll in a... Read more
What Medicare Supplement Plans Does Aetna Offer?
If you are a current Original Medicare beneficiary or about to become eligible for Medicare coverage, you know that there are some health-care costs that Original Medicare does not cover, such as copayments and deductibles. These out-of-pocket expenses can... Read more
Medicare Enrollment Periods (Infographic)
You can only enroll, disenroll, or make changes to your Medicare coverage during certain times, so it's important to know when those periods occur. Some Medicare enrollment periods take place when you're first eligible for Medicare. There are also periods... Read more
The Many Features of the Medicare Blue Button
Medicare's Blue Button is an online tool you can use to access your health information securely. You can decide to share that information with your doctors, loved ones, or anyone else of your choosing. It's available on the MyMedicare.gov site, which helps... Read more
Does Medicare Cover MRI Scans?
If you're wondering how much an MRI costs for you as a Medicare beneficiary, the answer is that it depends on your situation. However, Medicare may cover your MRI scan; read below to learn about these scans and what portion of the costs you can expect to... Read more
Does Medicare Cover Celexa?
Celexa (generic name: citalopram) is a type of antidepressant medication known as a selective serotonin reuptake inhibitor (SSRI), according to the National Institutes of Health's Medline Plus website. Generally, Original Medicare (Part A and Part B) include... Read more
Does Medicare Cover Hepatitis C Treatment?
If you have hepatitis C and you're on Medicare, you may be wondering if Medicare covers hepatitis c treatment. Medicare may cover a variety of diagnostic services and preventive care for beneficiaries with hepatitis C. Treatment for hepatitis C generally... Read more
Does Medicare Cover Knee Braces?
Patients with osteoarthritis may need to wear a knee brace. Osteoarthritis is caused by wear and tear inside the knee joints, according to the U.S. National Library of Medicine. A knee brace shifts weight off the most damaged part of the knee, reports the... Read more
Does Medicare Cover Adult Diapers?
Original Medicare, Part A and B, doesn't consider adult diapers or other incontinence supplies, such as adult briefs, pads, or liners, to be Durable Medical Equipment (DME) or supplies, and therefore doesn't cover these items. Original Medicare only covers... Read more
Medicare and Dental Coverage Explained
Does Medicare cover dental services? If you’re wondering whether Medicare offers dental coverage, the answer is, “It depends.” Dental coverage is limited under Original Medicare, and you won’t be covered for most routine dental services. However,... Read more
Does Medicare Cover Klor-Con?
Medicare prescription drug coverage might cover Klor-Con, also known by its generic name, potassium chloride. Klor-Con is available by prescription only and comes in extended release tablets for oral administration. Why is Klor-Con prescribed? Doctors... Read more
Does Medicare Cover Stair Lifts for the Home?
Various types of durable medical equipment are covered under Medicare Part B. However, equipment and services primarily used for self-help, convenience, or personal comfort don’t fit into Medicare’s definition of medically necessary durable medical... Read more
What Is SilverSneakers?
SilverSneakers is an exercise program specifically designed for older adults with the goal of keeping you engaged and interested through fun and social activities. Enjoyable fitness activities may encourage older adults to stay healthier in the long... Read more
Does Medicare Cover HCTZ/Triametrene?
Original Medicare (Part A and B) typically doesn't cover prescription drugs that you take at home. Most of the time, you'd need a Medicare plan that includes prescription drug coverage to help you cover the costs of prescription drugs like triamterene and... Read more
Does Medicare Cover Elavil?
Original Medicare (Part A and B) does not typically cover prescription drugs like Elavil that you normally would take at home. However, you may be able to get your prescriptions covered if you enroll in a Medicare plan that includes prescription drug... Read more
Does Medicare Cover Voltaren?
If you have Medicare prescription drug coverage, your Medicare plan might cover Voltaren (also known by its generic name, diclofenac). What is Voltaren? According to the Food and Drug Administration (FDA), Voltaren is a nonsteroidal anti-inflammatory... Read more
Does Medicare Cover Aricept?
Aricept, or its generic form donepezil, is a type of prescription drug. According to Medline Plus, a National Institutes of Health website, this drug may be prescribed to treat confusion and other symptoms in Alzheimer’s patients. Aricept uses might include... Read more
What’s the Difference between Medicare and Medicaid?
It might be easy to confuse Medicare and Medicaid. Both are government-administered health-care programs. Both program names begin with the same six letters. It’s worthwhile to know the difference so you can know which program (or both) you may be eligible... Read more
Medigap Rights and Medicare Advantage Plans
In some situations, you may have certain rights to enroll in a Medicare Supplement (Medigap) plan. Typically, outside of your Medigap Open Enrollment Period, insurance companies can deny you coverage or charge you higher premiums if you have health... Read more
What to Do If You’re New to Medicare
I get a lot of calls from people who are close to turning 65 (or are already 65), asking what they need to do to get set up with Medicare. With so many options available to Medicare beneficiaries, it can be overwhelming but once you understand your basic... Read more
Medicare and Veterans Affairs (VA) Benefits
If you have Veterans Affairs (VA) health coverage, you are not required to enroll in Medicare–but it may be a good idea to do so. Signing up for Original Medicare, Part A and Part B, will give you broader coverage when it comes to the doctors, hospitals,... Read more
Do I Need to Renew My Medicare Plan?
If you have Original Medicare, Part A and Part B, you don't need to reapply every year. However, each year during the Annual Election Period (October 15 through December 7) you might want to consider whether you would benefit from enrolling in or changing a... Read more
Does Medicare Cover Acupuncture?
Are you interested in acupuncture as a complementary health treatment? Studies suggest it may help with pain and various health conditions, though we are only beginning to understand how acupuncture affects the body. Original Medicare, Part A and Part B,... Read more
Does Medicare Cover Cancer Treatment?
Medicare coverage of cancer treatment Medicare Part A and Part B may cover certain cancer treatments for beneficiaries with cancer, including (but not limited to) chemotherapy and radiation therapy. Your Medicare costs will depend on whether you receive... Read more
Does Medicare Cover Zoloft?
Doctors sometimes prescribe Zoloft to treat symptoms like anxiety and depression. A Medicare Part D Prescription Drug Plan might cover Zoloft. What is Zoloft? Zoloft is a prescription drug classified as an antidepressant. The Zoloft generic equivalent is... Read more
Public Benefits for Medicare Beneficiaries
Seniors on a fixed income may sometimes have trouble paying for health-care coverage and related medical costs. If you have a chronic health condition that requires ongoing treatment or frequent doctor visits, you know that copayment and coinsurance costs can... Read more
Plan Your Medicare Health Costs for Retirement
It’s smart to plan ahead for your retirement. Planning health-care costs in particular is important, since those costs may be among the biggest expenses you will have to face after retirement. Learn how to plan for health costs by understanding how much you... Read more
Medicare and Dual Residency
Are you a Medicare beneficiary who lives in two states? Original Medicare, Part A and Part B, is not restricted by a service network. If you’re a dual resident of two states, this type of Medicare insurance will provide coverage wherever you choose to live... Read more
Medicare in Connecticut
While browsing Medicare plan options in Connecticut, you may wish to examine all of your coverage possibilities. Let Medicare.com be your resource as you shop for a plan that suits all your needs. About Medicare in Connecticut Medicare beneficiaries in... Read more
Medicare in Georgia
While shopping for Medicare in Georgia, Medicare.com can assist you with finding a plan that best suits your needs. First, you may want to learn what may be available in your state (however, availability of some Medicare plan options can vary from county to... Read more
Medicare in Illinois
Looking for Medicare insurance in Illinois can be easy with Medicare.com. Let us be your resource for all things Medicare. First, take a look at this overview of Medicare options for people living in Illinois. About Medicare in Illinois Medicare... Read more
Medicare in Michigan
It’s a good idea to consider all of your Medicare plan options in Michigan before choosing a plan. Medicare.com can be your resource throughout your search for a plan that covers all of your needs, offering use of our plan comparison tool to help you... Read more
Medicare in New Hampshire
Are you shopping for a Medicare plan in New Hampshire? Medicare.com can be your resource. We offer the complimentary use of our plan comparison tool that can help you find Medicare options that may work best for you. About Medicare in New Hampshire New... Read more
Affordable Medicare Coverage by State
While Original Medicare, Part A and Part B, is the same throughout the country, certain types of Medicare insurance may vary by insurance company and location. This includes Medicare Advantage (Part C), Medicare prescription drug coverage (Part D), and... Read more
Medicare in Nevada
Medicare beneficiaries in Nevada can choose to enroll in Original Medicare, Part A and Part B, for their coverage or join a private insurance plan called Medicare Advantage (also called Medicare Part C). If you choose Original Medicare, you may also add... Read more
Medicare Enrollment Periods
If you’re new to Medicare, you may have a lot of questions about Medicare enrollment and when you can make changes to your Medicare coverage. The answer depends in part on the type of Medicare coverage you’re enrolling in: Original Medicare (Part A... Read more
Medicare Supplement (Medigap) Plans
Original Medicare, Part A and B, pays for many of your health-care services and supplies, but it doesn’t pay for everything. That’s why you may want to consider getting a Medicare Supplement plan, also called Medigap. Unlike Original Medicare, a Medicare... Read more
Medicare Supplement (Medigap) Plan Comparison Chart
The 10 different Medicare Supplement (Medigap) plans available in most states have standardized benefits across each plan letter. For example, Medigap Plan A will have the same benefits regardless of which state you live in or which insurance company you buy... Read more
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