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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
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
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
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
Does Medicare Cover Scoliosis Treatment?
If your spine is curved sideways - for example, in an S or a C shape -you could have a condition called scoliosis. People of all ages can have scoliosis, notes the National Institute of Arthritis and Musculoskeletal and Skin Diseases. If your scoliosis is... Read more
Urinary Tract Infections: Causes and Prevention
Urinary tract infections (UTIs) are the second most common type of infection in the body, according to the U.S. National Library of Medicine. Women get urinary tract infections about four times as often as men. Up to 60% of women will develop urinary tract... 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
What Seniors Should Know about Alcohol Consumption
Even a little bit of alcohol can lead to serious problems, according to the National Institutes of Health National Institute on Aging. Alcohol consumption is a factor in 60% of falls, 50% of drownings, and 40% of car crashes. Its effects in seniors can be... 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 Restless Leg Syndrome?
If you have an uncomfortable feeling in your legs that is only relieved by moving them around, your doctor may want to evaluate you for restless leg syndrome. If you are covered under Medicare, here is what you should know about restless leg syndrome... 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
Types of Exercise for Seniors
Exercise for seniors: why should you exercise? As we get older, our strength and endurance often decline, according to the Center for Disease Control and Prevention (CDC). This may make seniors more likely to be tired and get hurt. So, let's look at how... Read more
What Should You Do If You Have a Complaint About Hospice Care?
Hospice care is focused on helping a patient stay comfortable during his or her final days, according to eldercare.gov. It's for terminally ill patients, but also helps comfort the patient's family. Hospice care aims to treat the symptoms, but not the illness... 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
Should I go to an Urgent Care Clinic or the Emergency Room?
Should I go to an Urgent Care Clinic or the Emergency Room? Emergency room or urgent care? Choosing the best place to go when you have a sudden illness or injury "after hours" -- when your doctor’s practice is closed -- can be challenging. Do you go to... 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 in Ohio
Medicare Supplement (Medigap) plans help with certain costs that Original Medicare doesn't cover, such as copayments, coinsurance, and deductibles. If you're just starting your search for Medicare Supplement plans in Ohio, this article will take you through a... 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 difference between Dementia and Alzheimer’s?
What is the difference between Dementia and Alzheimer’s? You might think that Alzheimer's and dementia are simply different words for the same condition, but they aren't. Alzheimer's is a disease which accounts for up to 80 percent of dementia cases.... Read more
Does Medicare Cover Speech Generating Devices?
If you have a severe speech impairment, your doctor or speech therapist may recommend speech generating devices to treat your condition. If you are covered by Medicare, the device may be covered if you meet certain conditions. Read on to learn more about... Read more
Medicare Yearly Wellness Visits
If you're new to Medicare, you might be surprised to know just how many wellness and preventive care benefits are available, often at no cost to you. The Medicare yearly wellness visits are different from the other Medicare yearly exams, because it focuses... Read more
Does Original Medicare Cover Overseas Travel?
Are you retired, on Medicare, and finally have time for some overseas travel? Here we'll explore the benefits that Original Medicare (Medicare Part A and Part B) may provide when you're traveling. Original Medicare generally delivers the same medical... Read more
How Do You Access Medicare Benefits When There’s a Disaster?
We hope you'll never have to worry about getting Medicare benefits when there's an emergency. If there's a hurricane, earthquake, tornado, terrorist attack, or other disaster, Medicare coverage might extend beyond usual restrictions in certain cases. Are... 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
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
What Is Colorectal Cancer?
Colon and rectal cancer are often grouped together because they have many features in common, but are distinguished based on where they start, according to the American Cancer Society. According to the National Cancer Institute, colorectal cancer is the... 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
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
Under 65 with Pre-existing Condition: What are your Medicare coverage options
What is pre-existing condition? According to the U.S. Department of Health & Human Services, a pre-existing condition is a health problem you had before the date that your new health coverage starts. Many conditions might be considered a pre-existing... Read more
Medicare Supplement Plans and Hospice Care
Medicare's hospice care benefit is for beneficiaries with terminal illness whose doctors have certified that they have six months or less to live. Whether you're considering hospice care for yourself or for a loved one, the decision to enter hospice care is a... Read more
What STD Treatments and Services does Medicare Cover?
STD treatments aren't just for people in their teens or 20s. Sexually transmitted diseases, or STDs, can affect the elderly as well as the young. STDs are also referred to as STIs (sexually transmitted infections).Anybody who is sexually active, regardless of... 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
What is a Medicare Advantage Medical Savings Account (MSA) plan?
Medicare Advantage plans are another way to get your Original Medicare (Part A and Part B) benefits from a private insurance company. Medicare Advantage MSA, or Medical Savings Account plans are a special type of Medicare Advantage plan that you may qualify... 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
Four Steps to Buying Medicare Supplement Plans
You may have heard that Medicare Supplement (Medigap) policy can help you save on out-of-pocket costs from Medicare. If you want to buy a Medicare Supplement policy, here are the steps: 1. Before buying, be sure that you are eligible for a Medicare... 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 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
What Vaccines are Covered under Medicare Part D?
While no one enjoys getting shots, staying up to date on your vaccines could have important health benefits; they could help you avoid disease, hospitalization, and even death. According to U.S. Department of Health & Human Services, a vaccine is a... 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
Does Medicare Cover Rehabilitation for Stroke Survivors?
What are the effects of a stroke? According to the Centers for Disease Control and Prevention (CDC), a stroke occurs when something blocks the blood supply to a part of brain or when a blood vessel in the brain bursts. The CDC states that someone in the... Read more
Does Medicare Cover Pre-Existing Conditions?
In general, Medicare covers pre-existing conditions. You won't be denied coverage by Original Medicare, Part A and Part B, the federal health-care program. In fact, in some cases, you may be eligible for Medicare before you turn 65 due to health... Read more
Medicare Billing: What to Expect and Helpful Tips
Whether you receive your Medicare benefits straight from the government, or through a Medicare health plan offered by a private Medicare-approved insurance company, you may be wondering how Medicare billing works. Read on to learn about Medicare billing and... 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
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 Seroquel?
If you have Original Medicare (Part A and Part B), there is generally no coverage for prescription medications such as Seroquel, unless you are also enrolled in a stand-alone Medicare Prescription Drug Plan or a Medicare Advantage Prescription Drug plan.... Read more
Does Medicare Cover Septra or Bactrim?
Prescription drugs such as Septra or Bactrim are not generally covered under Original Medicare (Part A and Part B), unless you are also enrolled in a stand-alone Medicare Prescription Drug Plan or a Medicare Advantage Prescription Drug plan. If you take... 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 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 Mevacor?
If you take the prescription medication Mevacor and are enrolled in Original Medicare (Part A and Part B), there is generally no Medicare coverage for it, unless you are enrolled in a stand-alone Medicare Part D Prescription Drug Plan or a Medicare Advantage... Read more
Does Medicare Cover Ismo?
If you have angina, or chest pain, your doctor may recommend treatment with Ismo, or its generic equivalent, isosorbide mononitrate, according to the National Institutes for Health. There is generally no Medicare coverage for Ismo, unless you are enrolled in... 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
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 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
Medicare Coverage of Cardiovascular Disease
If you are enrolled in Original Medicare (Part A and Part B), you may know that each part covers different portions of your health care. Part A, or hospital insurance, may cover inpatient hospital stays, care in a skilled nursing facility or hospice, and some... 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
Caring for Adults with Cognitive and Memory Impairment
Caring for a loved one can be challenging under the best of circumstances, but caring for someone with cognitive impairment can be especially challenging. People with cognitive impairment may have certain conditions or injuries that have affected their... 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 Implantable Defibrillators?
If you have certain heart conditions, your doctor may recommend you have an implantable cardiac defibrillator, or ICD. Your Original Medicare (Part A and Part B) may cover an implantable defibrillator if your doctor believes it is medically necessary to... 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
Are you the caregiver for someone with frontotemporal dementia? The National Institutes of Health (NIH) estimates that FTD accounts for about 10% of all cases of dementia. It affects men and women almost equally, usually on the younger end of the dementia... Read more
What Are the Risk Factors for Cardiovascular Disease?
Risk Factors for Cardiovascular Disease Cardiovascular disease is the number one cause of death among both men and women around the world, according to the American Heart Association. Here in the United States: Nearly 86 million people have some... 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
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
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 Pelvic Exam?
If you’re a woman enrolled in Medicare Part B, a pelvic exam may be covered. Here’s what you should know about pelvic exam and your Medicare benefits. Does Medicare Cover Pelvic Exam? If your doctor's office has scheduled you for a pelvic exam, learn... Read more
Does Medicare Cover My Back Brace?
Your doctor may prescribe a back brace for various conditions that might cause lower back pain. If your doctor considers a back brace medically necessary to manage or treat your condition, and you're enrolled in Medicare Part B, allowable charges for... Read more
Guide to Caregiver Well-Being
In 2015, the American Association of Retired Persons (AARP) Public Policy Institute and the National Alliance for Caregiving released a major report on caregiving and caregiver stress in the United States. For those providing care to a loved one, these... Read more
Osteoarthritis Treatment Options
According to the Arthritis Foundation, osteoarthritis affects about 27 million Americans and is the most common joint condition. Also known as degenerative arthritis or degenerative joint disease, osteoarthritis most often affects the knees, hips, neck, back,... 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
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
What Is Hepatitis C?
You might have heard of hepatitis, but what is hepatitis C (sometimes called "hep C")? What is hepatitis C? Some quick facts Hepatitis C is a virus that affects the liver. The Centers for Disease Control (CDC) estimates that 2.7 to 3.9 million people in the... Read more
COBRA Insurance and Medicare
What is COBRA insurance? COBRA refers to the Consolidated Omnibus Budget Reconciliation Act, a federal law that may let you keep your employer group health plan coverage for a limited time after your employment ends or after you would otherwise lose... 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
How Can I Find Healthcare Providers Who Accept UnitedHealthcare Medicare Plans?
You may be familiar with Medicare Health Maintenance Organization (HMO) plans; they usually require you to get your care from a network provider or fill your prescriptions within the plan's pharmacy network. UnitedHealthcare offers a variety of Medicare... 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
Is an Anthem Medicare Advantage Prescription Drug Plan the Same as a Standalone Medicare Prescription Drug Plan?
If you are new to Medicare, you may not know that there are four components to the Medicare program: Part A (hospital insurance) Part B (medical insurance) Part C (Medicare Advantage) Part D (prescription drug coverage) Original Medicare is... Read more
What Medicare Plans Does Humana Offer?
The federal government provides Original Medicare, Part A and Part B, but private companies like Humana contract with the Medicare program to offer additional coverage or an alternative way to get your Original Medicare benefits. Medicare plans offered... 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
How Can I Find Healthcare Providers Who Accept Medicare Advantage Plans Offered by Humana?
Some Medicare Advantage plans available from Humana require you to use providers in the Humana plan's network to access your plan benefits and minimize your out-of-pocket costs. Here's how to find Humana providers in your area. Why do I need to use... Read more
How to Appoint a Personal Representative for Your Aetna Medicare Plan
Whether you have a Medicare Advantage plan or a Medicare Prescription Drug Plan from Aetna, or from any insurance company that contracts with Medicare, you have certain rights guaranteed to everyone who participates in the Medicare program. For example, you... Read more
What Types of Medicare Part D Coverage Does Aetna Offer?
What is Aetna Medicare Part D? Congress authorized Medicare Part D Prescription Drug Plans under the Medicare Prescription Drug, Improvement, and Modernization Act of 2003, making Medicare prescription drug coverage available to beneficiaries for the first... Read more
What Medicare Plans Does Aetna Offer?
As a Medicare beneficiary, you may have many coverage options available to you through Aetna, including Medicare Advantage plans for those who want an alternative way to receive their benefits under Original Medicare (Part A and Part B) and stand-alone... 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
Getting Medicare When You’re Married
You're generally eligible for Original Medicare (Part A and Part B) when you turn 65 or receive disability benefits, whether or not you're married. If you're married and haven't worked in a paying job or didn't work enough quarters, you may still qualify for... 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 Coumadin?
Did your doctor prescribe Coumadin for you? If you're on Medicare, you may be wondering whether Medicare covers Coumadin. Here's some information for you. What is Coumadin? Coumadin, or its generic form warfarin, is in a class of drugs known as... Read more
Does Medicare Cover Protonix?
What is Protonix? Protonix or its generic form Pantoprazole may be prescribed to treat acid reflux or other stomach or esophagus problems. According to the FDA, Protonix is part of a class of drugs called proton pump inhibitors. Does Medicare Part A cover... 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 DiaBeta?
Medicare Part A and Part B, which make up Original Medicare, generally don't cover the prescription medication DiaBeta or its generic form, glyburide. The National Institutes of Health's Medline Plus website says DiaBeta might be part of a treatment program... 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 Plavix?
Plavix (Plavix generic:Clopidogrel) is used in the treatment of heart health. Plavix may be prescribed by your doctor or health-care provider to prevent a heart attack or stroke, according to the FDA. Plavix is in a class of medications called antiplatelet... Read more
Do I Need Part A and Part B if I’m Still Working?
Many people may qualify for Medicare while still working. The Pew Research Center reported in 2016 more Americans aged 65 and over are still working now compared to in 2000, and the trend is rising. Do I qualify for Medicare while still working? Most people... 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 Lipitor?
What is Lipitor? Lipitor, or generic for Lipitor, Atorvastatin, is in a group of drugs known as statins. According to the FDA, this prescription drug may be used to control your LDL cholesterol and triglyceride levels. Lipitor works by slowing the... 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 Lomotil?
If you suffer from diarrhea, your doctor might prescribe Lomotil. According to the National Institutes of Health's Medline Plus website, Lomotil is a prescription drug combining the anti-diarrheal medication diphenoxylate with atropine, a medication that can... 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 Lexapro?
Did your doctor prescribe Lexapro for you? If you're on Medicare, you might be wondering about the benefits of Lexapro and how much it costs. What are the benefits of Lexapro? If you have depression or anxiety, your doctor may prescribe Lexapro, or its... Read more
Medicare Made Easy
Most people who are applying for Original Medicare (Part A and Part B) are learning about their Medicare coverage options for the first time. This includes individuals who are age 65 and older, as well as those under 65 who qualify due certain disabilities or... Read more
Does Medicare Cover Depakote?
Has your doctor prescribed Depakote (or its generic equivalent, divalproex sodium) for you? It's possible that Medicare Part A could cover this prescription drug if administered in a hospital setting as part of your inpatient stay. For most prescription... Read more
Does Medicare Cover Ambien?
What is Ambien? Ambien is a prescription drug. The generic form of this medication is zolpidem. What is Ambien used for? Ambien is a prescription medication that is sometimes used to treat insomnia, according to the National Institutes of Health's... 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 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 Missouri
If you’re a Missouri resident with Medicare, you may have many Medicare plan options, depending on where you live. Learn about the different ways you can receive your Medicare benefits, including Original Medicare, Medicare Advantage, Medicare Part D, and... Read more
Medicare in Nebraska
Nebraska residents have two main choices when deciding how to receive their Medicare benefits. You may opt for the federal arm of the program, called Original Medicare, Part A and Part B, or you may choose to enroll in a Medicare Advantage (Medicare Part C)... 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 Advantage vs. Medicare Supplement: How to Choose
After enrolling in the Medicare program, beneficiaries must decide how they want to receive their Original Medicare, Part A and Part B, benefits and whether they need additional coverage. This means that they will have to decide if a Medicare Advantage plan... 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
The Different Types of Medicare Advantage Plans
There are many types of Medicare Advantage (also known as Medicare Part C) plans. Medicare Advantage plans provide an alternative way to receive your Original Medicare, Part A and Part B, benefits. With Medicare Part C, you get the same coverage as Original... 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
Customer reviews of Mike
Michael was very knowledgeable and courteous. My wife and I actually enjoyed the experience and that is very rare these days when dealing with customer service representatives. Thank you for the time spent with us.
Anonymous, Murphy, TX
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
Anonymous, Newport, TN
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.
Leighrey T, Spring Hill, FL
Mike was great very helpful!
Robert R, Minneapolis, MN