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More about Mike
I was born in Bolivia and raised in the U.S. I am a proud father and husband. I have a one-year-old and he is my life!
Three words that describe me:
Charismatic, dependable, and outgoing.
Favorite thing to do when not at work:
Hang out with family.
Favorite place to visit and why:
The Caribbean! Blue water and white beaches! It’s paradise!
What I like most about helping people find the right Medicare plan options:
That I know I am helping people get the right protection for their health care.
My favorite sport is soccer, I am a big fan of Real Madrid and Real Salt Lake. I like any sort of music and love all action movies!
Medicare articles by Mike
Medicare Supplement Plans in Washington
If you're on Medicare in Washington, you might have noticed that Medicare Part A and Part B can come with some expenses you have to pay out-of-pocket. Medicare Supplement plans in Washington (and the other states) are meant to work alongside Original Medicare... Read more
Medicare Supplement in South Carolina
Medicare Supplement plans (also called Medigap plans) are a supplemental insurance you can buy to work alongside your Medicare Part A and Part B coverage. Medicare Part A covers many healthcare costs associated with inpatient care in a hospital, and Medicare... Read more
Medicare Supplement Plans in North Carolina
North Carolina is known for the first flight of the Wright brothers in Kitty Hawk, North Carolina. North Carolina is also home to over 1.2 Original Medicare beneficiaries, according to the Centers for Medicare and Medicaid Services. If you have Original... Read more
Medicare Supplement Plans in Montana
Original Medicare is a popular option in Montana; about 80% of enrollees choose Medicare Part A and Part B over Medicare Advantage, according to the Centers for Medicare and Medicaid Services (CMS). Without Medicare Supplement in Montana, it may be hard... Read more
Medicare Supplement Plans in West Virginia
According to the Centers for Medicare and Medicaid Services (CMS) there are over 295,000 Original Medicare beneficiaries in West Virginia in 2018. If you have Original Medicare in West Virginia, you may be eligible for a Medicare Supplement plan in West... Read more
Can I Get a Medicare Supplement Plan Before Age 65? – Frequently Asked Questions
As you might know, Medicare Supplement plans can help pay some of your out-of-pocket medical costs that aren’t covered by Medicare Part A and Part B. But can you get a Medicare Supplement plan before age 65? Qualifying for a Medicare Supplement plan You... Read more
Can I Get Medicare if I Retire at 62? – Frequently Asked Questions
In most cases, you need to be age 65 or older to be eligible for Medicare. But there are some important things to know about Medicare eligibility and costs, whether you’re 62, 65, or any age. What if I retire at 62? Generally, you aren’t eligible for... Read more
Does Medicare Still Cover Me if I Move? – Frequently Asked Questions
"Does Medicare cover me if I move?" It's one of the most common questions we get – and the answer may depend on the type of coverage you have. Does Medicare cover me if I move and I have Original Medicare? If you're enrolled in Original Medicare, Part A... Read more
What if I Can’t Afford My Medicare Coverage? – Frequently Asked Questions
Medicare may cover many health-care services, but it isn’t free. Medicare coverage typically requires out-of-pocket costs – your pocket, that is - like monthly premiums, annual deductibles, coinsurance, and copayments. If you can’t afford these... Read more
Does Original Medicare Cover My Medications? – Frequently Asked Questions
One of the first questions people ask when they sign up for Medicare is, "Does Medicare pay for prescription medications?" Unfortunately, the answer isn't a simple "yes" or "no." Here are a few tips to help you understand when Original Medicare will cover... Read more
How Do I Sign Up for Medicare?
You're newly eligible for Medicare. Or, you didn't sign up when you first qualified for Medicare. Or, you think you might be eligible but you're not sure how to sign up for Medicare. Does any of these statements apply to you? If so, keep reading to find... Read more
Does Hearing Loss Lead to Dementia?
The thought of losing aspects of your mental abilities as you age may be a scarier prospect than the thought of losing some of your physical abilities. In the case of hearing loss and dementia, symptoms between the two may be correlated. Read on to find out... Read more
Does Medicare Cover Gastroesophageal Reflux Disease (GERD)?
Gastroesophageal reflux disease, or GERD, affects about 20% of the population in the United States, the National Library of Medicine reported in 2013. Medicare may cover certain services related to GERD. What is gastroesophageal reflux... Read more
Do Medicare Cost Plans Have Networks?
If you're considering enrolling in one of the Medicare Cost Plans available in your area, you may be asking, "Do Medicare Cost Plans have networks?" It's an important question, since it may affect the amount you pay out-of-pocket for your healthcare under... Read more
I’m almost 65: How do I change from health insurance marketplace to Medicare?
As you approach your 65th birthday, you have decisions to make about your health care and health insurance coverage. If you currently have coverage through the health insurance marketplace and want to enroll in Medicare, here's what you need to know about... Read more
What should I do if my prescription medications are too expensive?
Prescription drugs can cost a lot of money, especially if you need several different medications. Or, you might have a health condition that requires expensive prescription drugs to manage or treat the illness. Read some tips about getting affordable... Read more
Why does Original Medicare not include most prescription drug coverage?
People age 45 and older take an average of four prescription medications daily, according to research from AARP conducted between 1986 and 2002. If you’re new to Medicare, you might be surprised to learn that Original Medicare (Part A and Part B) doesn’t... Read more
When Can Medicare be a secondary payer?
Medicare payment usually works seamlessly. You generally pay a coinsurance amount or copayment and don't have to worry about filing a Medicare claim. But if you have other health insurance besides Medicare, then Medicare might be a secondary payer. Let's take... Read more
How Can I Get My Loved One to Wear a Hearing Aid?
More than 35 million Americans, adults and children, have hearing loss and might need hearing aids. That's what the Food & Drug Administration reported in 2018. It's a common scenario: your husband (or other loved one) can't hear you unless you stand... Read more
Medicare Advantage HMO vs PPO Plans: Which Provides Better Coverage for Doctor Visits?
HMO vs PPO…that’s what you may be wondering if you’re looking at Medicare Advantage plans. We’ll talk about these types of Medicare Advantage plans and why you might prefer one type over the other. What are Medicare Advantage HMO vs. PPO... Read more
Does Medicare Cover Kidney Stones?
According to the National Kidney Foundation, about half a million people go to the hospital each year with kidney stones. If you have Medicare and you've ever suffered with this painful condition, here's what you should know about Medicare coverage... Read more
Does Medicare Cover Farsightedness?
Definition of farsightedness The Mayo Clinic explains that farsightedness (hyperopia) is a common vision condition in which you can see distant objects clearly, but objects up close may be blurry. Your eye has two parts that help focus what you’re... Read more
Does Medicare cover a Facelift?
What is a facelift? Aging in the face can be caused by a variety of factors, including loss of facial fat, sun damage, smoking, heredity and stress, according to the American Society of Plastic Surgeons (ASPS). A facelift, also called a rhytidectomy, is a... Read more
Does Medicare cover Palliative Care?
You may have heard about palliative care as part of end-of-life care, such as a hospice provides. But palliative care is also seen as an important part of patient care in general, anytime it’s needed, according to the National Institute of Nursing... Read more
Medicare Cost Plans in Minnesota
There’s one type of Medicare health plan that you might not have heard about. Medicare Cost Plans give you another way to get your Medicare benefits. As a Minnesota resident, you might have a choice of several Medicare plan options. We’ll focus on... Read more
Safety Tips for Seniors Traveling Abroad
When you travel abroad, there a few safety considerations you might not think about when you travel in the United States. Here are some international travel tips that may help you have a safe trip. Travel abroad: diseases and vaccines According to the... Read more
Sleep Problems in Seniors
Sleep problems are common in seniors even if you are healthy, according the U.S. National Library of Medicine. However, sleep needs in seniors remain consistent with that of younger adults. All adults need about 7 to 8 hours of sleep per night. Sleep problems... Read more
Cold vs. Flu
It may be hard to tell if you have a cold vs. flu, because symptoms are similar. It can be hard to tell what you have when you're feeling under the weather, making it harder to get the treatment you need. Cold vs. flu: what's the difference? According to... 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 Recovering from Surgery
How fast you recover from surgery depends on what kind of surgery you had and your overall health, according to the American Cancer Society. Learn more about recovering from surgery. Arrange transportation for an outpatient surgery Even with a... Read more
Recovering From a Knee Replacement
Knee replacement surgery is getting more and more common, the Agency for Healthcare Research and Quality reported in 2016. The agency estimates that joint replacement surgery (such as knee replacement) will be one of the most common elective surgeries by... Read more
What are treatment options for wrinkles?
Wrinkles are a natural part of aging. As you age, your skin becomes less elastic, according to the Mayo Clinic. Fat in your deeper layers of skin decreases, which can cause loose, saggy skin. Diminished natural oils also may make the skin appear wrinkled.... Read more
Preventing Bruises in Seniors
If you're a caretaker, you might notice occasional bruises on an elderly person's skin. If you're a senior, you might find you bruise easily, according to the National Institutes of Health. What are bruises in seniors and others? Bruises form when small... Read more
Does Medicare Cover Carpal Tunnel Syndrome Surgery?
The National Institute of Neurological Disorders and Stroke (NINDS) notes that common symptoms of carpal tunnel syndrome include numbness, weakness, burning, tingling or sometimes pain in the hand and wrist. As symptoms worsen, you may have trouble grasping... Read more
How Many Hours of Sleep Do Seniors Need?
How many hours of sleep you need decreases with age but only up to 18 years, according to National Heart, Lung, and Blood Institute. Infants need up to 16 hours of sleep a day; teens need up to 10 hours of sleep a day, and adults aged 18 years and older need... Read more
Heart Disease in Women: Do Women Have a Higher Risk?
One out of every four. That's how many women are likely to die of heart disease, according to the Centers for Disease Control and Prevention (CDC). Here are some facts about heart disease in women: It's the leading cause of death for African American and... Read more
What is considered high blood pressure?
When your health care provider takes your blood pressure reading, he or she compares your blood pressure numbers with a known standard, according to the National Institutes of Health. But that standard may be changing. What is the standard range for blood... Read more
Does Medicare Cover Skin Cancer Treatment?
Statistics from the American Cancer Society show that skin cancers are by far the most commonly diagnosed types of cancer in the U.S. The Skin Cancer Foundation states that one in five Americans will develop some form of skin cancer during their lifetime.... Read more
Does Medicare Cover Yoga?
What is yoga? Yoga is a mind and body practice that combines physical postures, breathing techniques, and meditation or relaxation, according to the National Institutes of Health (NIH). Many people practice yoga to maintain their health and well-being,... Read more
How does Tricare work with Medicare Advantage?
Tricare for Life (TFL) is the health insurance program for qualified military retirees and their eligible dependents. This is different than Medicare, which is the national health care system for many people age 65 and older and for people with certain... Read more
Does Medicare Cover Cold Medicine?
The common cold is a viral infection of the upper respiratory tract, including the nose and throat, according to the Mayo Clinic. Symptoms of the common cold include: A runny or stuffy nose Sore throat Cough Congestion Sneezing Slight body... Read more
Does Medicare Cover Telemedicine?
What is telemedicine? Telemedicine is a general term that encompasses any medical activity involving an element of distance, according to the U.S. National Library of Medicine. Telemedicine includes “virtual” doctor-patient visits and physician... Read more
How Long Will Medicare Pay for a Hospital Stay?
Have you been concerned about how long Medicare will pay for a hospital stay? You might think that the Medicare Part A deductible is an annual cost, tied to the year. In fact, it's tied to the Part A "benefit period," which means it's possible to have to pay... Read more
Does Medicare Cover a Kidney Transplant?
People with kidney failure and end-stage renal disease (ESRD) often have two options: dialysis or kidney transplant. According to the National Kidney Foundation, many people feel that a kidney transplant offers more freedom and a better quality of life than... Read more
Medicare Supplement Plans in Florida
If you're new to Medicare in Florida, you may have heard of Medicare Supplement plans. Also known as Medigap, Medicare Supplement coverage fills certain "gaps" in Original Medicare and may cover some out-of-pocket costs. Here's an overview of how Medicare... Read more
What is the Lung Cancer Survival Rate?
Statistics from the American Cancer Society suggest that lung cancer is the second most common type of cancer in both men and women, after skin cancer. If you or someone you love has been diagnosed with lung cancer, it's natural to have a lot of questions... Read more
Does Medicare Cover Liver Transplants?
When the liver is severely damaged, it can result in scarring, called cirrhosis. The Mayo Clinic notes that Cirrhosis is the leading cause of liver failure, a condition in which the liver is unable to heal itself and perform its many life-preserving... Read more
Does Medicare Cover Codeine?
What is Codeine? Codeine is a narcotic pain reliever. It can also be used, in combination with other medications, to treat a cough. Narcotics like codeine treat pain by binding to receptors in the brain, blocking the sensation of pain, according to the U.S.... Read more
Does Medicare Cover Oxycontin?
What is OxyContin? OxyContin (generic name: oxycodone), is a medication that may be prescribed to relieve moderate to severe pain, such as after an injury or surgical procedure, reports the National Institutes of Health (NIH). OxyContin belongs to a class of... Read more
Does Medicare Cover Prescription Painkillers?
What are prescription painkillers? Prescription painkillers, also known as opioids or narcotics, are powerful pain-reducing medications, according to the Food and Drug and Administration (FDA). Narcotics work by binding to receptors in the brain, which... Read more
Coping with Chronic Pain
According to the National Institutes of Health's National Center for Complementary and Integrative Health (NCCIH), over 25 million adults in the U.S. had pain every day for three consecutive months or more. The most common sources of chronic pain were... Read more
Can Medicare Supplement Plans Help with Pre-existing Conditions?
If you have health problems, sometimes known as pre-existing conditions, could it help you to buy a Medicare Supplement plan? Could you even buy a Medicare Supplement plan if you have a pre-existing condition? As a Medicare beneficiary, you may be able to... Read more
How Has Cancer Treatment Improved with Technology?
Most likely, you or someone you know has been affected by cancer. According to the National Cancer Institute, nearly 40% of American adults will experience a cancer diagnosis at some point in their lives. In 2016 alone, over 1.6 million people in the U.S.... 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 Compression Socks
Benefits of compression socks Swelling of the feet and ankles is a common problem among older people, reports the U.S. National Library of Medicine. If swollen feet is a problem for you, your doctor may recommend compression socks. Compression socks, also... Read more
Skilled Nursing Care and Medicare
Medicare defines a skilled nursing facility as "a nursing facility with the staff and equipment to give skilled nursing care and, in most cases, skilled rehabilitative services and other related health services." When could I need skilled nursing care? You... Read more
Medicare Managed Care Plans vs PFFS (Private Fee for Service) Plans
If you are eligible for Medicare, or about to become eligible, you may be considering a Medicare Advantage plan over Original Medicare (Part A and Part B). Medicare Advantage plans are offered by private insurance companies approved by Medicare and provide an... Read more
What is a prescription drug plan formulary?
If you have a stand-alone Part D Prescription Drug Plan or a Medicare Advantage prescription drug plan from a private insurance company, you may assume that all your prescription drugs will be covered. One way to know in detail what prescription drugs your... Read more
Can I Keep My Doctor When I Begin Medicare?
Are you going to be eligible for Medicare soon, and you're looking for a Medicare doctor? Perhaps your Medicare coverage has just started. In any case, you may be concerned about whether you'll be able to go to the same doctor you've been seeing for... Read more
Medicare Supplement Plans and Moving Out of State
If you're currently enrolled in a Medicare Supplement (Medigap) plan and moving out of state, you may be wondering if there's anything you need to do. To avoid a lapse in coverage, read on to learn how Medicare Supplement insurance works if you're moving and... Read more
What is a Medicare Private Fee-for-Service (PFFS) Health Plan?
What is a Medicare Private Fee-for-Service (PFFS) Health Plan? Did you know that Medicare Private Fee-For-Service (PFFS) plans may give you the freedom to choose any doctor you want, as long as he or she accepts the plan's payment terms? And it gives... Read more
Medicare Coverage of Substance Abuse
According to the Substance Abuse and Mental Health Services Administration (SAMHSA), about 21.7 million people, or 8.1% of the population, needed substance abuse treatment in 2015. If you or someone you love is a Medicare beneficiary and needs substance... Read more
What Are Guaranteed-Issue Rights for the Medigap Open Enrollment Period?
If you're new to Medicare, you may have heard that you can get a Medigap (Medicare Supplement) plan with "guaranteed issue" in some situations, such as during your Medigap Open Enrollment Period. Many people with Original Medicare decide to get Medigap... Read more
Medicare Premium Payment Process
Although Medicare is partially funded by the government, you may still be responsible for Medicare payments. If you have Original Medicare or a Medicare Advantage plan, you will pay a monthly Medicare premium for Medicare Part B (medical insurance). In... Read more
How does Medicare Part D work with other insurance?
Medicare Part D Prescription Drug Plans If you are a Medicare beneficiary, or will be soon, you might be concerned about getting prescription drug coverage under Medicare Part D. Anyone who has Medicare coverage –Part A (hospital insurance) and/or Part B... Read more
Medicare Part D Deductible
Do I need a Medicare Part D plan? If you have Original Medicare (Part A and Part B) and want prescription drug coverage for prescription drugs you take at home, you will likely have to enroll in a separate prescription drug plan. Original Medicare generally... Read more
Are Medicare Advantage Premiums Tax Deductible?
What is a tax deduction? If you meet certain conditions set by the Internal Revenue Service (IRS), you may be able to get a tax deduction for your Medicare Advantage premiums. According to the IRS, you subtract your tax deductions from your income before you... Read more
How to Handle Nursing Home Complaints and Problems
Whether you're a caregiver or the one who needs care, you might have concerns about quality of care in a nursing home. You might be looking for a way to file a complaint – for example, if: You feel that care isn't as good as it should be. You or... Read more
Medicare Supplement: The Basics
What is Medicare Supplement insurance? Medicare Supplement plans are offered by private insurance companies and can help cover out-of-pocket costs not covered by Original Medicare (Part A and Part B), such as coinsurance, copayments and deductibles. Keep in... Read more
Why Might I Want to Enroll in a Medicare Supplement Plan?
Medicare Supplement plans are sold by private insurance companies to work alongside your Original Medicare (Part A and Part B) health-care coverage. (You generally cannot have Medicare Supplement insurance with a Medicare Advantage plan.) Perhaps the best... Read more
Can I have more than one Medicare Prescription Drug Plan?
Medicare Prescription Drug Plans help Medicare beneficiaries pay for medications prescribed by a doctor. This coverage is available to anyone who is eligible for Medicare, whether he or she is enrolled in Original Medicare (Part A and Part B) or in a... Read more
Can I get Medicare Coverage for My Children?
Generally, most people age 65 and over are eligible for Medicare as long as they are American citizens or legal permanent residents for at least five continuous years. There are also some situations where you might be eligible for Medicare before you turn 65.... Read more
Can my Insurance Company Cancel my Medicare Supplement (Medigap) Plan?
Usually, Medicare Supplement (also called Medigap) plans are guaranteed renewable – that is, the insurance plan can't cancel your plan, except in certain cases. Medicare Supplement plans are offered by private insurance companies and may help you pay... Read more
Can I use my Medicare Supplement to pay my Medicare Part B premium?
The simple answer is no – you cannot use a Medicare Supplement (Medigap) plan to pay your Medicare Part B premium. Medicare Supplement plans are offered by private insurance companies to pay some of the out-of-pocket costs not covered by Medicare Part A... Read more
Medicare and Employer Health Insurance
Do I need to enroll in Medicare when I turn 65 if I’m still working? If you have health care coverage through your employer, you may choose to delay enrollment in Medicare Part B when you turn 65, since Part B includes a monthly premium. You may be able... Read more
Does Medicare Cover Scooters?
If you have mobility issues and are enrolled in Original Medicare (Part A and Part B), your Part B benefits may cover 80% of allowable charges for a power scooter after your Part B deductible is met. You'll have to meet certain eligibility requirements... Read more
Can I get a Medicare Supplement plan if I have a Medicare Medical Savings Account (MSA)?
In a word: no. You can't buy a Medicare Supplement (Medigap) plan if you have a Medicare Medical Savings Account (MSA). However, if you had a Medicare Supplement plan before you signed-up for your Medicare MSA, you may keep your Medicare Supplement plan. If... Read more
When and How to Say No to Caregiving
Close family members or friends hold millions of unpaid caregiving roles in the United States, according to the Centers for Disease Control and Prevention (CDC). However, there may come a time when you will have to say “no” to caregiving and have your... Read more
Does Medicare Cover Remeron?
If you have Original Medicare (Part A and Part B), treatment with Remeron is generally not covered, unless you are also enrolled in a stand-alone Medicare Prescription Drug Plan or a Medicare Advantage Prescription Drug plan. If you are under a doctor's care... Read more
Does Medicare Cover Hospital Beds?
Has your doctor recommended that you have a hospital bed in your home to assist with your medical condition? If you are a Medicare beneficiary enrolled in Original Medicare (Part A and Part B), your Part B benefits may cover 80% of the allowable charges... Read more
Does Medicare Cover Eyeglasses?
As you get older, you may find that your eyesight isn’t what it used to be, and it’s likely you’ll need corrective lenses at some point. According to the Centers for Disease Control (CDC), 92% of adults age 70 and older wear prescription eyeglasses.... Read more
Does Medicare Cover a Colonoscopy?
According to the National Institute of Health's National Institute of Diabetes and Digestive and Kidney Diseases (NIDDK), a colonoscopy is often used as a screening tool for colon cancer and colon polyps. If you are enrolled in Original Medicare (Part A and... Read more
Does Medicare Cover Cataract Surgery?
Cataracts are strongly linked to aging, and many people develop them in one or both eyes as they get older. In fact, according to the National Eye Institute, half of all Americans will either develop a cataract or have had cataract surgery by age 80. If... Read more
Does Medicare Cover Nitrogard?
Does Medicare cover Nitrogard? Nitrogard is the brand-name of nitroglycerine, a medication used to prevent and treat chest pain, according to National Institutes of Health (NIH). Original Medicare Part A and Part B won't generally cover prescriptions like... Read more
Does Medicare Cover Neurontin?
Does Medicare cover the epilepsy medication Neurontin? Original Medicare, which consists of Medicare Part A and Part B, doesn't usually cover Neurontin (except in certain situations described below). In order to cover this prescription medication, you... 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
Alcoholism Overview: Symptoms, Prevention, and Treatment
According to a report by the National Institutes of Health (NIH), about 15 million adults in America show symptoms of alcohol use disorder and approximately 88,000 people die annually from alcohol-related causes. Perhaps the easiest way to define alcoholism... 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
Stroke Overview: Symptoms, Causes, and Treatment
According to a report that the Centers for Disease Control (CDC) released in 2015, about 795,000 people in the United States have strokes each year. Stroke kills about 130,000 people each year in the U.S.; that's one person every four minutes, reports the... Read more
Can I save money by switching Prescription Drug Plans?
Although Medicare prescription drug coverage is voluntary, the Centers for Medicare & Medicaid Services (CMS) reports that as of 2017, over 57 million Americans were enrolled in Medicare. Of those, about 27%, or about 15 million, were not enrolled in a... Read more
Medicare Pilot Program
If you or a family member are enrolled in Medicare, you may have seen a notice for a Medicare pilot program, also called research studies or demonstrations. If you are interested in becoming part of a Medicare pilot program, this is what you might want to... Read more
How Do I Find a Medicare Health Plan?
Most people are automatically enrolled in Original Medicare (Part A and Part B) when they retire and begin accessing their Social Security benefits. If this is true for you, you may not need to find a Medicare health plan as you are automatically enrolled in... Read more
Does Medicare Cover Diabetes Screening?
According to Centers for Disease Control and Prevention (CDC) statistics, the rate of new diabetes diagnoses has increased by over 100% in the last three decades. The good news is that the rate has started to dip slightly since 2008. The CDC says the slight... Read more
Does Medicare Cover Nursing Home Care?
If you or a loved one needs nursing home care, you may have questions about Medicare coverage for your expenses. This article explains what costs Medicare will cover and what options are available for additional help. What nursing home... 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
How to Find Local Services for Seniors
If you're enrolled in Medicare, many of your health-care costs are usually covered as part of your hospital and medical benefits. But sometimes, you may need help recovering from an illness or injury, or even coping with the issues of day-to-day life when you... Read more
Medicare Coverage of Diabetic Neuropathy
If you have been diagnosed with diabetic neuropathy and you are enrolled in Original Medicare (Part A and Part B) or a Medicare Advantage plan, you may have questions about Medicare coverage for your treatment and tests. What is diabetic... Read more
Caregiving and Ambiguous Loss: When Your Loved One Is Mentally Absent
Are you a caregiver for a family member who suffers from dementia or another health condition that affects memory, cognitive abilities, or personality? Along with the many challenges of caregiving, including emotional or financial factors, you and other... Read more
Do Medicare Supplement (Medigap) Plans Cover Prescription Drugs?
As you may already know, there's only limited prescription drug coverage under Original Medicare, Part A and Part B. Part A may cover medications given to you as part of your inpatient treatment in a hospital. Part B may cover some medications administered to... Read more
How does Medicare work with Obamacare?
Medicare and Obamacare: Is Medicare part of Obamacare? While the Affordable Care Act (Obamacare) brought some changes to Medicare, it doesn’t replace Medicare. Medicare isn't part of the federal Health Insurance Marketplace (sometimes called an... Read more
Does Medicare Cover Bed Sores?
Bed sores, also called pressure sores, can develop when you spend most of your time in bed or in a wheelchair, according to the National Institutes of Health's National Library of Medicine. If you have a medical condition that prevents you from changing... Read more
What Is Geriatric Care and How Do I Find a Geriatrician?
As people age and their health-care issues become more complex, they may see a number of different doctors and specialists. A doctor who specializes in treating the unique health needs of aging adults is called a geriatrician, and may be well suited to care... Read more
Five Tips for Finding a Primary Care Physician
The American Academy of Family Physicians defines a primary care physician as a doctor who specializes in being the patient's first point of contact. In addition, primary care doctors are trained in continued health maintenance, including prevention,... Read more
What is Physical Therapy for Seniors?
A licensed medical professional, called a physical therapist, uses non-invasive and drug-free techniques to treat patients with a variety of different medical conditions, according to the American Physical Therapy Association. Doctors may prescribe physical... 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
New Medicare Card Not to Contain Social Security Numbers
According to Medicare.gov, identify theft is a serious crime that occurs when someone takes your personal information without your permission, in order to commit fraud or other crimes. Personal information might include things like your name, credit card... Read more
How to File Medicare Claims
A Medicare claim is a request for payment that you submit to Medicare when you receive health-care services and items you believe to be covered. In most cases, if you're a Medicare beneficiary, you won't have to file your own Medicare claims. However, there... Read more
Senior Citizen Health: How to Prevent Falling
Falls pose a huge risk for Americans aged 65 and above. According to the Centers for Disease Control (CDC): Approximately 2.5 million elderly people are treated in emergency rooms every year because of falls. One in three people over age 65 falls... Read more
Caregiver Tips for Patients with Brain Injury
Caring for a loved one with a brain injury can change your life in ways your family might not expect. The path for both caregiver and patient may vary day by day, leading you to learn from your successes and failures as you go. If you are... Read more
Where Can I Find Medicare Forms?
If you're currently enrolled in Medicare, or about to become eligible for Medicare benefits, you may have questions about where to find important forms and publications about your coverage. Here are some tips and resources to help you get the information you... Read more
Does Medicare Cover Sleep Studies?
If you have sleep-related disorders such as sleep apnea or daytime tiredness, your doctor may recommend a sleep study to diagnose your condition. If you are enrolled in Original Medicare (Part A and Part B) and have clinical signs of obstructive sleep... Read more
Does Medicare Cover Smoking Cessation Treatments?
According to the Centers for Disease Control and Prevention (CDC), people who stop smoking greatly reduce their risk for smoking-related diseases and early death. Smoking cessation is beneficial at any age, according to the CDC. Medicare will cover up to... Read more
What Is an Aortic Aneurysm?
Has your doctor told you that you're at risk for an aortic aneurysm? Medicare Part B may cover a screening test for you. Learn about aortic aneurysms and what you can do if you are at risk. What is an aortic aneurysm? An aortic aneurysm is a bulging... 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
Psoriatic Arthritis Treatment
Psoriasis is a skin condition that produces red patchy skin with silver-colored scales. According to the National Institutes of Health (NIH), about 10 to 20 percent of people with psoriasis is at risk for developing psoriatic arthritis. Psoriatic arthritis... Read more
Can Medical Insurance Companies Drop Your Medicare Coverage?
When you are enrolled in the Medicare program, you have certain rights and protections under federal law. You may have Original Medicare (Part A and Part B) or a Medicare Advantage plan. Regardless, if you meet eligibility requirements, you have the right to... Read more
Dental Care for Patients with Dementia
Maintaining good dental hygiene for people with dementia can be difficult, but it's important to make it a part of your daily care routine. According to the Alzheimer's Association, prevention will be the goal of dental care in the early stages of dementia... 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
Does Medicare Cover Hepatitis?
If you have been diagnosed with hepatitis, you may have many questions about your disease and how your Medicare coverage pays for your treatment. There are five main types of hepatitis: A, B, C, D, and E; each has a different cause and a different course of... Read more
Does Medicare Cover Ambulance Services?
Emergency ambulance services and Medicare coverage Medicare Part B (medical insurance) typically covers ambulance transportation when you've had a sudden medical emergency and your situation is such that: You need to get to a community hospital,... Read more
What Medicare Plans Does Blue Cross ® and Blue Shield ® of Texas Offer?
Blue Cross and Blue Shield (BCBS) of Texas is a private insurance company approved by Medicare to offer Medicare Advantage plans and Medicare Part D Prescription Drug Plans in the state. Depending on where you live, you may be eligible to enroll in the... Read more
What Medicare Plans Does Blue Cross Blue Shield of Michigan Offer?
Blue Cross Blue Shield of Michigan offers several types of Medicare Advantage plans, stand-alone Medicare Part D Prescription Drug Plans, and Medicare Supplement (Medigap) plans to residents of Michigan. If you’re a Medicare beneficiary who is currently... Read more
What Types of Medicare Part D Coverage Does Anthem Offer?
Anthem is a private insurance company approved by Medicare to offer prescription drug coverage under the Medicare program. Here's an overview of how you can get Anthem Medicare plans with coverage for prescription drugs. What is Anthem Medicare Part D... Read more
What Types of Medicare Part D Coverage Does WellCare Offer?
If you're a Medicare beneficiary who takes prescription drugs, you may be wondering how Medicare prescription drug coverage (Part D) works and how you can get help with your medication costs. Wellcare offers a few Medicare plan options that include... 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
Do Coventry Medicare Plans Cover Routine Vision?
Medicare vision coverage under Original Medicare (Part A and Part B) is generally limited to only medically necessary treatment for injuries, diseases, and conditions that affect the health and integrity of the eye, such as cataract surgery. For most routine... Read more
Are My Prescription Drugs Covered by My Coventry Plan?
If you're a Medicare beneficiary who needs prescription drug coverage, it's important to make sure that the plan you enroll in covers your current medications, or your costs could be much higher. If you're currently enrolled in a Coventry Medicare Advantage... Read more
Is a Medicare Advantage Prescription Drug Plan from Humana the Same as a Standalone Medicare Prescription Drug Plan from Humana?
Understanding your coverage under the Medicare program is an important first step in understanding the benefits available through Medicare Prescription Drug Plans and Medicare Advantage plans from Humana. The Medicare program is divided into four parts:... Read more
Checklist for the Medicare Annual Election Period (Infographic)
The Medicare Annual Election Period (also called the Open Enrollment period) runs from October 15 through December 7 each year. See what you can do during the Medicare Annual Election Period, and use our checklist of things to keep in mind during this... Read more
The Medicare Initial Enrollment Period vs. the Medicare Initial Coverage Election Period
There are numerous Medicare election periods, each of them serving a different purpose when it comes to signing up for benefits. This article illustrates the difference between the two periods that sound incredibly similar. The Initial Enrollment Period (IEP)... Read more
Changes in Medicare When Moving to Another State
Are you moving to another state, or did you move recently? It's probably a busy time for you, but you may need to complete a few tasks to make sure your Medicare and Social Security benefits continue smoothly. This article shows you how to proceed when you... Read more
The Different Parts of Medicare in 2018
There are several "parts" to Medicare, as you may know. Costs and benefit details may change from one year to the next. Here's a quick summary of out-of-pocket Medicare costs in 2018. 2018 Medicare Part A costs Medicare Part A helps cover inpatient hospital... Read more
Does Medicare Cover Gastric Bypass Surgery?
If you meet certain criteria and your doctor determines the procedure is medically necessary, then Original Medicare, Part A and Part B, may cover certain types of gastric bypass surgery. Typically this surgery is only approved for beneficiaries when previous... Read more
Does Medicare Cover Lift Chairs?
Medicare may cover the seat-lift mechanism of your lift chair if you meet certain conditions. Learn how Medicare coverage of lift chairs works. What is a lift chair? A “lift chair,” also known as a seat lift chair, refers to a chair with a motorized... Read more
Does Medicare Cover Ultram?
What is Ultram? Ultram (generic tramadol) is an opiate analgesic used to relieve moderate to moderately severe pain, according to U.S. National Library of Medicine. Ultram works by changing the way the brain responds to pain. Ultram may come as an... Read more
Does Medicare Cover Shower Chairs?
Original Medicare, Part A and Part B, generally doesn’t consider a shower chair to be durable medical equipment. So even if you qualify for Medicare by age or disability, a shower chair doesn’t qualify and would not usually be covered under Original... Read more
Does Medicare Cover Avandia?
If you have type 2 diabetes, your doctor might treat you with Avandia, or rosiglitazone (the drug's generic name), along with diet and lifestyle changes and sometimes other medications. That's according to the National Institutes of Health's Medline Plus... 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
Finding a Medicare Primary Care Physician near You
Are you wondering how to find a primary care physician (PCP) near you? Whether you need a primary care doctor may depend on the type of Medicare coverage you have. If you have Original Medicare (Medicare Part A and B), then you don't need to choose a... Read more
Medicare and Viagra
Original Medicare, Part A and Part B, provides limited coverage of prescription drugs. Some drugs, like Viagra, aren't covered by Original Medicare. If you would like coverage for your medications, you can enroll in a Medicare Advantage Prescription Drug... Read more
Does Medicare Cover a Vasectomy?
If you’re a male Medicare beneficiary who wants to make sure he doesn’t cause a pregnancy, you might be wondering about Medicare coverage of a vasectomy. A vasectomy is almost 100% effective at preventing pregnancy, according to Planned Parenthood.... Read more
Medicare and LASIK Eye Surgery
If you’re a Medicare beneficiary hoping to improve your vision with Lasik eye surgery, Medicare doesn’t cover this procedure. What is LASIK eye surgery? According to the Food and Drug Administration, LASIK eye surgery changes the shape of the cornea... Read more
Does Medicare Cover Glucophage?
Original Medicare (Part A and B) typically doesn't cover prescription drugs like Glucophage. Generally, you'd need a Medicare plan that includes prescription drug coverage if you want help paying for medications that you fill at the pharmacy and take at... Read more
Does Medicare cover dermatology & how to find a dermatologist that accepts Medicare
Do you need to see a dermatologist, but you're not sure what Medicare covers? Or you might be looking for a dermatologist who takes Medicare (that is, who accepts Medicare assignment). Medicare and Dermatology Medicare Part B (medical insurance) generally... Read more
Medicare Plan Options for People with Low Incomes
Medigap plans, also called Medicare Supplement plans, can be helpful for people with lower incomes, as some Medigap plans cover many of the expenses that Original Medicare, Part A and Part B, does not cover. Such expenses can include copayments, coinsurance,... Read more
How Your Medicare Part D Late-Enrollment Penalty Is Calculated
Medicare Part D is prescription drug coverage. It's optional, but if you delay enrolling in a Medicare Part D Prescription Drug Plan, you may be charged a late-enrollment penalty if you decide to enroll later. Here is how that penalty is calculated and... Read more
Does Medicare Cover Knee Replacement Surgery Costs?
Knee replacement surgery, along with hip replacement, are the most common types of surgery for those enrolled in the Medicare program, according to the Centers for Medicare & Medicaid Services. More than 400,000 Medicare beneficiaries had knee or hip... Read more
Does Medicare Cover Cozaar?
Did your doctor prescribe Cozaar for you (or the Cozaar generic, losartan)? Let's talk about Medicare coverage of this prescription. What is Cozaar? Cozaar (generic name losartan) is a high blood pressure medication available by prescription. According... Read more
Does Medicare Cover Percocet?
What is Percocet? Percocet (generic name acetaminophen and oxycodone) is a prescription pain reliever. One ingredient in Percocet, acetaminophen, is an active ingredient in many over-the-counter medicines according to the Food and Drug Administration (FDA).... Read more
Does Medicare Cover Atrovent?
According to the National Institutes of Health's Medline Plus website, Atrovent is a brand-name formulation of the generic prescription drug ipratropium. It's used to treat symptoms of chronic obstructive pulmonary disease (COPD), which affects the lungs and... Read more
Medicare Copayments, Coinsurance, and Annual Deductibles Explained
While the Medicare program provides health-care coverage, it does not exempt you from all out-of-pocket costs. There are instances where you are responsible for paying for a share of your health coverage. Whether you’re talking about Original Medicare, Part... Read more
What “Medically Necessary” Means and How It Affects Your Medicare Coverage
Medicare normally covers services deemed medically necessary. According to Medicare.gov, “medically necessary” is defined as "health-care services or supplies needed to prevent, diagnose, or treat an illness, injury, condition, disease, or its symptoms... Read more
Medicare in Alabama
Whether you're new to Medicare or are considering other coverage options, you may have many Medicare insurance options available, depending on where you live. Learn about the different ways you can get Medicare coverage in Alabama. About Medicare in... Read more
Medicare in Arizona
While shopping for a Medicare plan in Arizona, let Medicare.com be your go-to resource. You can enjoy complimentary access to our plan comparison tool that allows you to evaluate plan options nearest you. About Medicare in Arizona Arizona beneficiaries may... Read more
Medicare in Colorado
You may want to consider all of your Medicare plan options in Colorado before choosing a plan. This page helps you review what’s available while offering Medicare.com’s plan comparison tool to examine plan pricing options and plan details. About Medicare... Read more
Medicare in Hawaii
Are you shopping for Medicare in Hawaii? You may want to consider all of the options first. Let Medicare.com be your resource for facts about Medicare coverage while offering the use of our plan comparison tool to examine plan details and pricing... Read more
Medicare in Idaho
While shopping for Medicare in Idaho, Medicare.com can be your resource for plan comparisons and other information. About Medicare in Idaho Beneficiaries in Idaho generally have two options when enrolling in a Medicare plan: You may enroll in Original... Read more
Medicare in Louisiana
Let Medicare.com be your go-to resource for shopping for a Medicare plan in Louisiana. We offer complimentary access to our plan comparison tool. With this tool, you may evaluate Medicare plan options nearest you. Our knowledgeable and licensed insurance... Read more
Medicare in Mississippi
Are you shopping for a Medicare plan in Mississippi? This may feel like a daunting task, but Medicare.com strives to be your resource for Medicare information. We offer the obligation-free use of our plan comparison tool so that you can review available... Read more
Medicare in New Jersey
plans. Medicare.com can provide resources so you can compare plans in your area and decide what works for you. About Medicare in New Jersey Eligible Medicare beneficiaries in New Jersey can enroll in Original Medicare (Part A and Part B) or join a private... Read more
Medicare in New Mexico
Beneficiaries in New Mexico generally have two main options for receiving their Medicare benefits: Original Medicare, Part A and Part B, or Medicare Advantage, also called Medicare Part C, offered by private Medicare-approved insurance companies. Original... Read more
Medicare in South Dakota
If you’re a Medicare beneficiary in South Dakota, it can be a good idea to get familiar with all the available coverage options. Keep in mind that your Medicare options will depend on where you live, but may include the options of Medicare Advantage,... 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
Understanding the differences between Medicare Advantage HMOs and PPOs
Medicare Advantage: an alternative way to receive your Medicare benefits The Medicare Advantage (Part C) program offers you a different way to receive your Original Medicare Part A (hospital insurance) and Part B (medical insurance) benefits. (However, Part... Read more
Medicare Advantage Election and Disenrollment Periods
Generally, you can only enroll in, switch, or disenroll from a Medicare Advantage plan during specific times of the year. Outside of when you first become eligible to enroll, and election periods that happen annually, your opportunities to make changes to... Read more
Medicare Part A – Hospital Insurance
What is Medicare Part A coverage? Medicare Part A is health insurance offered by the federal government to United States citizens and legal immigrants who have permanently resided in the U.S. without a break for at least five years. You’re eligible if... Read more
Medicare Supplement (Medigap) Guaranteed Issue Rights
When you apply for a Medigap policy (Medicare Supplement insurance), you have certain rights, which, by federal law, can protect you from being denied coverage. If you already have a policy, you also have rights to protect you from having to keep a plan that... 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
Customer reviews of Mike
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experienced, knowledge of available policies and was a great listener, answered every question, he spoke English, I wouldn't hesitate to contact Michael O. if I had any questions or issues
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He was very. Professional, a great listener, knowledgeable and above all a wonderful representative of your service to seniors like myself and my husband.
Anonymous, Indianapolis, IN
Michael was extremely helpful, patient and kind. He has an excellent phone manner.
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