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The Rep, Pam C, was great---easy to understand, concise in information & very helpful. I put off calling for a long time as did not want to get a pushy sales rep & someone from a foreign country speaking! It was refreshing speacking to her & really felt I got the plan I need. Linda S, Spokane, WA Read more reviews
More about Pamela
My goal in life has always been to work to live rather than live to work. I enjoy the profession I have chosen because it allows me to work hard and make an honest living without sacrificing what is most important to me, which is my family. I have a wonderful husband and six amazing kids. We love to spend time in the evenings together, watching movies, or going for a hike. We look forward to our family vacations together, and, as our children get older, it has been really fun planning family vacations to new and distant locations. We have two dogs, a mixed breed (part Rottweiler and part Shar-Pei) that we have had for the last 14 years, and a 2 year old puggle. Both dogs love to go camping with us.
Three words that describe me:
Intelligent, friendly, and honest.
Favorite thing to do when not at work:
Spend time with family.
Favorite place to visit and why:
So far, my travels have been limited, however I hope to change that as my children get older. My favorite place I’ve been so far is Cozumel, Mexico. I love the ocean, and I really enjoyed the culture of this small island community.
What I like most about helping people find the right Medicare plan options:
I have always loved helping people. It makes my day if I can help customers find a Medicare plan that truly fits their needs.
I’ve always enjoyed going to see new movies with my husband, but my favorite genre is romantic comedy. Any movie starring Meg Ryan and Tom Hanks is on my list of favorite movies.
Medicare articles by Pamela
Can You Get Medicare in Puerto Rico?
Do you live in Puerto Rico? You may be a United States citizen, but are you eligible for Medicare? Here's a quick overview of Medicare in Puerto Rico and some possible coverage options. Medicare in Puerto Rico: eligibility You're generally eligible for... Read more
How Do I Choose a Health Insurance Provider for my Medicare Supplement Insurance Plan?
When you have several Medicare Supplement insurance plans to choose from, how do you know which plan to choose? Here's some information that you might find useful. Medicare Supplement: a quick overview Medicare Supplement (Medigap) insurance is designed to... Read more
Medicare Cost Plans versus Medicare Supplement Insurance Plans
There are many different ways to get your Medicare benefits. Depending on where you live, your choices could include Original Medicare, Medicare Supplement Insurance Plans, Medicare Advantage, and Medicare Cost Plans. This article will compare two plan... Read more
Can I know the cost of a medical service in advance?
The cost of medical care can have a significant—and unwelcomed—impact on your budget. While managing your health and the cost of care can be challenging, the good news is that Medicare will help pay some of the cost for covered medical care. In addition,... Read more
What Kind of Out of Pocket Costs do Medicare Advantage Plans Have?
Medicare Advantage plans are another way to get your Medicare Part A and Part B benefits from a private insurance company contracted with Medicare. Medicare Advantage plans must cover everything that Original Medicare (Part A and Part B) cover with the... Read more
Do I need to be getting Social Security to enroll in Medicare?
The simple answer is no, getting Social Security is not a requirement to enroll in Medicare. However, if you are receiving Social Security, you may be enrolled in Medicare automatically. How do I get Social Security? Social Security gives monthly payments... Read more
Does Medicare Advantage or Medicare Supplement Save Me More Money?
If you're approaching Medicare eligibility, now's the time to look into your options to find the right coverage for you. There are basically two Medicare paths: Original Medicare (Part A and Part B) which can go alongside a Medicare Supplement Insurance... Read more
What Does Dental Insurance Cover?
Statistics published by the Johns Hopkins School of Public Health (in 2016) show that only about 12% of seniors have dental insurance. The lack of dental insurance may partially explain why only half of all seniors have seen a dentist in the past 12... Read more
Will Medicare cover the costs of my doctor visits?
If you’re on Medicare, you might expect that the program would cover doctor visit costs. Medicare may cover doctor visits if certain conditions are met, but in many cases you’ll have out-of-pocket costs, like deductibles and coinsurance amounts. Doctor... Read more
Does Medicare Advantage Cover Dentures?
If you have missing teeth, you probably want to get them replaced as quickly as possible. Your dentist may recommend some type of dentures to restore normal oral function. If you have Medicare Advantage, your plan may cover some of the expenses associated... Read more
Does Medicare cover a laparoscopy?
Laparoscopy is also called minimally invasive surgery, according to the American College of Obstetricians and Gynecologists. Laparoscopic surgery can result in faster recovery times. Read about some of the benefits and risks of laparoscopy, and whether... Read more
Can I Get Medicare if I’m Still Working?
If you haven’t yet retired, can you still sign up for Medicare? You might be eligible for Medicare even if you’re still working. You might be interested in Medicare coverage if you have no health insurance, or feel your current insurance is inadequate –... Read more
Does Medicare Cover Narcolepsy?
If you've been diagnosed with narcolepsy, you probably know firsthand that this chronic sleep condition can disrupt your life and well-being. Learn more about narcolepsy and whether Medicare covers this condition. What is narcolepsy? According to the... Read more
Alternatives to Medicare Cost Plans
A Medicare Cost Plan is a Medicare health plan available in certain areas of the country. Medicare Cost Plans are offered by private insurance companies contracted with Medicare and may provide medical, hospital and prescription drug coverage. If your... Read more
Medicare Advantage plans vs Medicare Cost plans
If you’re receiving Social Security benefits you may be automatically enrolled in Medicare Part A (hospital coverage) and Part B (medical coverage). Medicare Part A and Part B are also called Original Medicare. However, Original Medicare is not the only way... Read more
Constipation: Prevention and Treatment
Constipation is a common digestive condition. According to the National Institute of Diabetes and Digestive and Kidney Diseases (NIDDK), constipation occurs when you have fewer than three bowel movements in a week. Constipation is often characterized by bowel... Read more
Flu Treatment and Prevention
What is the flu? Influenza, commonly called the “flu” is a viral infection that affects the nose, throat, and lungs, according to the Mayo Clinic. Influenza is not the same as the stomach “flu” which causes diarrhea and vomiting. Symptoms of the flu... Read more
Is a Vegetarian Diet Healthy for Seniors?
Whether it's for health, the environment, or a love of animals, there are many reasons to consider a vegetarian diet. If you're an older adult, a vegetarian diet can be a heart-healthy way to get the nutrition you need according to the U.S. National Library... Read more
Skin Cancer: Symptoms, Causes and Treatment
Skin cancer is by far the most common type of cancer, according to the American Cancer Society. Up to 50 percent of Americans who live to age 65 will develop one of the most common types of skin cancer at least once according to the Skin Cancer Foundation.... Read more
What Are the Benefits of Tai Chi for Seniors?
If you're an older adult looking for a low impact way to stay active, you might consider tai chi. Learn more about tai chi and how it can be a beneficial for people of all ages. What is tai chi? Tai chi is an ancient form of Chinese exercise characterized... Read more
What Are the Symptoms of Dehydration in Seniors?
Some seniors might not drink enough fluids, but that’s not the only thing that can cause dehydration. Whether you’re a senior or a caregiver, learn the symptoms and causes of dehydration so you can help prevent this dangerous condition. What is... Read more
Does Medicare cover penile implants?
A study published by the U.S. National Library of Medicine suggested that 67% of men age 65 and over had some level of erectile dysfunction (ED), and in nearly half (48%) the condition was severe. If your doctor has ruled out other treatments for ED such as... Read more
Does Medicare Cover a Chronic Cough?
Do you have a chronic cough? It's not always easy to identify the cause, according to the Mayo Clinic, and it can disrupt your sleep and your life in general. Chronic cough is one of the most common reasons people go to the doctor, reports a Harvard Medical... Read more
What are the Benefits of Yoga for Seniors?
What is yoga for seniors? Yoga is a mind/body practice with historical origins in ancient Indian philosophy, according to the National Center for Complementary and Integrative Health (NCCIH). Yoga may combine physical postures, breathing exercises, and... Read more
Common Health Concerns for Seniors
As people age, their health concerns change. According to the Office of Disease Prevention and Health Promotion, 60% of seniors live with two or more chronic conditions such as heart disease, cancer, emphysema, diabetes, and Alzheimer's. If managing... Read more
Is Your Loved One Taking Too Many Prescription Drugs
A study published by Harvard Medical School showed that one-third of older adults take at least five or more prescription medications, over-the-counter medications, or dietary supplements. The study also suggest prescription drug use is on the rise. About one... Read more
Seniors: How Much Do You Need to Retire Comfortably?
How much money you need to retire depends on many factors, according to CNN Money, part of the Cable News Network. Some of these factors are hard to predict, such as guessing how long you'll live. Others are easier, such as how much money you have already... 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 Treatment to Help You Stop Snoring?
Snoring is the hoarse sound that occurs when air flows past relaxed tissues in your throat, causing the tissues to vibrate as you breathe while you’re sleeping according to the Mayo Clinic. You may want to stop snoring because it can be a nuisance to your... Read more
Five Tips on How to Improve Your Memory
According to the National Institute on Aging, forgetfulness can be a normal part of aging. The brain changes with age. While some memory problems may be a sign of a serious condition like Alzheimer’s disease, other types of memory problems may be improved... Read more
Can Alcohol Use Cause Dementia?
While evidence of alcohol's negative impact on cognitive function remains clear, the medical and research community remains divided over whether excessive alcohol use may lead to the development of dementia. Alcohol use and dementia According to the Centers... Read more
How to Get the Most out of a Doctor Visit
Has this ever happened to you? You have a mental list in your head of all the things you want to ask your health care provider at your next doctor visit, but when you get there, you forget them—and go home with many unanswered questions. This type... Read more
Does Medicare Cover Allergies?
If you have allergies, you're not alone. The Centers for Disease Control and Prevention (CDC) notes that more than 50 million Americans suffer from allergies. An estimated 30% of adults and 40% of children are affected, estimates the American College... Read more
What is a Medicare Part D Preferred Pharmacy?
You can enroll in a Medicare plan that offers Part D prescription drug benefits in order to receive prescription drug coverage. There are two types of plans offered by Medicare-approved private insurance companies that provide Medicare Part D prescription... Read more
5 Ways to Feel Beautiful While Fighting Breast Cancer
Breast cancer is the most common cancer in American women after skin cancer, according to breastcancer.org. About 1 in 8 American women will develop invasive breast cancer in her lifetime. Breast cancer treatment can affect your appearance. How will breast... Read more
Durable Medical Equipment: Do You Need Pre-authorization?
As a Medicare beneficiary, your Medicare Part B coverage may help to pay for covered durable medical equipment. However, you may have to meet certain requirements, such as pre-authorization, before your benefits kick in. Here's what you need to know... Read more
Medicare Supplement Plans for People Under 65 and Disabled in Texas
Medicare Supplement (Medigap) plans help pay your out-of-pocket costs under Original Medicare (Part A and Part B). According to data collected by America's Health Insurance Plans Center for Policy and Research, over 11 million people are enrolled in a... Read more
Can a Senior be an Organ Donor?
According to the Mayo Clinic, there is no defined cutoff age for organ donors. The Mayo Clinic also advises to not “prematurely disqualify yourself” as an organ donor based on your age. In a story told on organdonor.gov, a 92-year old man named Carlton... Read more
Does Medicare Cover a Lung Transplant?
Lung transplant surgery replaces a diseased lung with a healthy lung from a deceased donor. Some people get one lung during a lung transplant and some people get two. According to the National Institute of Health, you may be eligible for a lung transplant if... 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
What Does Medicare Pay for Blood?
Does Medicare cover blood transfusions and related services? Yes, Medicare generally covers blood transfusions as well as blood processing and handling services. These are the main coverage requirements: The blood transfusion is medically necessary.... Read more
Emergency Preparedness: Caregiver Tips for the Elderly
An emergency, according to the Merriam-Webster dictionary, is an “unforeseen combination of circumstances…that calls for immediate action.” Emergency preparedness for caregivers can save you from not knowing what to do when your elderly loved one is... Read more
What Is the Brain Cancer Survival Rate?
Brain cancer, and other tumors of the spine and central nervous system (CNS), is one of the least common types of cancer. According to the National Cancer Institute, just 1.4% of all new cancers are brain and CNS tumors. Of course, if you are one of those... Read more
Does Medicare Cover Hair Loss Treatment
Generally, Medicare does not cover treatment for hair loss (also called alopecia) unless the treatment is medically necessary to treat a disease that has caused the baldness. Hair loss can result from many causes. According to the American Academy of... Read more
Does Medicare Cover Cholesterol Prescription Medications?
Cholesterol medications may help lower the risk of heart disease or stroke, according to the Food and Drug Administration. But the National Institutes of Health (NIH) points out that not everyone who has high cholesterol should necessarily take cholesterol... Read more
Does Medicare Cover Chronic Diseases?
Chances are high that you know someone with a chronic disease—or may have one yourself. Persistent, long-term conditions like diabetes, hypertension, and heart disease often require ongoing treatment and leave a significant impact on people's everyday... Read more
Medicare Supplement for people under 65 and disabled in Georgia
According to the Kaiser Family Foundation (KFF) Georgia has over 1.5 million Medicare beneficiaries. If you’re under 65 in Georgia you may have qualified for Medicare through a disability. Once you realized that Original Medicare (Part A and Part B) has no... Read more
Medicare Supplement for Those Under 65 and Disabled in Delaware
Are you an under 65 Medicare beneficiary looking for help with out-of-pocket costs? You might be able to buy a Medicare Supplement plan for people under age 65 and disabled. Medicare Supplement (Medigap) plans may help with certain out-of-pocket expenses... Read more
How can Medicare Supplement help with ALS?
ALS, or amyotrophic lateral sclerosis, is a progressive neurogenerative disease, according to the ALS Association. ALS attacks motor neurons and results in progressive muscle weakness and eventually leads to ventilator support for breathing. There is no cure... 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
How to Get Your Prescription Drugs in a Nursing Home
The transition to a nursing home or other long-term care facility brings lots of questions and changes in how you get the prescription drugs you need. Fortunately, Medicare makes provisions for your prescription drug coverage when you are in a nursing... Read more
Does Medicare Cover Atrial Fibrillation (AFib)?
If you have atrial fibrillation, you may be wondering how Medicare coverage works. Learn more about atrial fibrillation, including risk factors, prevention, and treatment options. What is "AFib," or Atrial Fibrillation? According to the American Heart... Read more
Managing Costs for Doctor Visits Using a Medicare Supplement Plan
If you're on Medicare and have a lot of doctor visits, Medicare Supplement insurance might be worth considering. Read on to see if Medicare Supplement sounds like it might fit your needs. What's Medicare Supplement insurance? Here's some quick information... Read more
Senior Weight Loss: How to Reach Your Ideal Weight
As you age, you may find your weight changing. Some weight loss for seniors is concerning and some is desirable. Read on to learn more about weight loss for seniors and reaching your ideal weight. What is my ideal weight? The first step to reaching your... Read more
The Welcome to Medicare Visit
If you are new to Medicare, you are entitled to one "Welcome to Medicare" visit within the first 12 months of enrolling in Medicare Part B. This welcome to Medicare exam, also called an initial preventive physical examination, is an opportunity for you and... Read more
Does Medicare Cover Breast Implants After a Mastectomy?
What is a mastectomy? According to the Mayo Clinic, a mastectomy may be a treatment option for those with early-stage breast cancer or those who wish to prevent breast cancer. A simple mastectomy removes the breast tissue, nipple, areola and skin but not... Read more
Medicare Supplement Plans for Disabled and Under 65 Individuals in California
Medicare Supplement (Medigap) plans help with out-of-pocket costs you may have in Original Medicare (Part A and Part B) such as copayments, coinsurance, and deductibles. Offered through private insurance companies, these plans may also cover costs not... Read more
What Causes Hearing Loss in the Elderly?
Hearing loss becomes more common as people age. According to the National Institute on Deafness and Other Communication Disorders (NIDCD), about one in three individuals ages 65 to 74 have some degree of hearing loss, a figure that jumps to nearly half for... Read more
Steps for Choosing a Nursing Home
It's never easy to move into a nursing home, or help a loved one make the transition, but sometimes it may be the best option for getting the care and support you need. Here are some tips and useful resources to help you get started on how to choose a nursing... Read more
Does Medicare Cover Speech Therapy
Speech therapy involves a wider scope of treatment than you might think - it can help with social communication skills, thinking and understanding, and even swallowing. If you have a stroke, your doctor might prescribe speech therapy. Speech therapy: when... Read more
What If I have Medicare and No Prescription Drug Coverage?
Do you have Medicare coverage, but no prescription drug coverage? You may be able to add prescription drug coverage through Medicare. This coverage is optional, but if you ever need it, it might save you money to sign up when you first get Medicare. Original... Read more
Different Types of Nursing Care and Your Medicare Coverage
Nursing care is an important part of your medical care, whether you are seen in a doctor's office, urgent care or outpatient center, hospital, skilled nursing facility, or even your home. Here's a look at the different types of nursing care and how... Read more
Does Medicare cover hearing tests?
Hearing problems are very common as people age. In fact, one in three people ages 65 to 74 has some degree of hearing loss. That figure jumps to almost half for those 75 and over, according to the National Institute of Health (NIH). If you or someone you love... Read more
What’s the Medicare Supplement Free Look Period?
What if you want to switch to a different Medicare Supplement plan, but you're a little concerned that you might be stuck with the new plan and you might not like it as much as your old one? That's where the Medicare Supplement free look period comes... Read more
PFFS vs PPO: What’s the difference
Medicare Advantage, also known as Medicare Part C, is an alternate way to get your health care benefits under Original Medicare (Part A and Part B). Here's a look at the difference between a Medicare Advantage PFFS vs PPO plan. What is a Medicare... 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
Comparing Medicare Advantage Plans vs. Medicare Supplement Plans
Perhaps you've heard about Medicare Advantage plans and Medicare Supplement plans, and you're wondering how they're different. Both types of plans are available from private insurance companies. With most Medicare Supplement plans, you can see any... Read more
Does Medicare Cover Pregnancy and Child Delivery?
Yes, Medicare does cover certain services related to pregnancy and delivery in some situations. This isn't too surprising when you consider that Medicare beneficiaries include those younger than age 65 who qualify because of disability. According to a... Read more
Are Medicare Advantage Plans Subsidized?
If you are looking for a Medicare subsidy, you might be happy to find out that there may be ways to get financial help paying for Medicare and Medicare Advantage. Healthcare.gov defines subsidized coverage as health coverage available at reduced or no cost... Read more
Are Medicare Advantage Plans Being Phased Out?
If you're currently enrolled in a Medicare Advantage plan, you may have heard that these plans may no longer be offered. Since it can be difficult to parse fact from fiction, here's an overview on the future of Medicare Advantage – and what to do if your... Read more
Dental Hygiene for Seniors
According to the Centers for Disease Control and Prevention (CDC), water fluoridation and fluoride in toothpaste have recently led to people keeping their natural teeth over their entire lifetime. However, as you get older, you may have to take extra care to... Read more
I’m retired – do I need Medicare Supplement insurance?
I am retired, do I qualify for Medicare? Are you retired and looking for health-care coverage? You may have various Medicare plan options available to you, including a Medicare Supplement plan. Keep in mind that Medicare eligibility is not tied to... Read more
Can I Go Without Medicare and Get Private Health Insurance Instead?
There are complex rules that govern your health care coverage under Medicare and private insurance, so it's important to know your rights and responsibilities, as well as applicable laws, before you decide whether to drop Medicare and sign up for private... Read more
Can I Get Medicare Coverage for In-Home Caregivers?
As people age, many choose to stay in their homes rather than move to an assisted living community or other facility. According to a 2012 survey by AARP, about 90% of people 60 or older plan to live in their current homes for the next five to ten years. This... Read more
Can you enroll in a Medicare Supplement plan after the Open Enrollment Period?
When can I enroll in a Medicare Supplement plan? Medicare Supplement (Medigap) plans, sold by private insurance companies, may help pay some of the out-of-pocket costs that Medicare Part A and Part B do not pay, such as deductibles, coinsurance and... Read more
Medicare and Prescription Drug Coverage from an Employer
When they turn 65, many people are automatically enrolled in Original Medicare, Part A and Part B, which generally doesn't include prescription drug coverage. If you're covered by an employer or union plan that includes prescription drug coverage, you may be... Read more
Medicare and Divorce
Most people become eligible for premium-free Part A Medicare coverage through their own work history or their spouse’s work history. Generally you are eligible for premium-free Part A coverage if you or your spouse worked and paid Medicare taxes for at... Read more
Does Medicare Cover Oxygen Equipment?
If your doctor believes that home oxygen therapy is medically necessary to treat your condition and you are enrolled in Original Medicare (Part A and Part B), Medicare generally covers 80% of the allowable charges after you've met your Part B deductible.... Read more
How do I pay for my Medicare Supplement (Medigap) plan?
Medicare Supplement (also referred to as Medigap) insurance may be an option for you if you're enrolled in Medicare Part A and Part B. Read on to learn about how to pay for a Medicare Supplement plan and about the possible costs. Medicare Supplement plans... Read more
Caregiver Duties: How Medicare can Help
According to the Centers for Disease Control and Prevention (CDC) more than 34 million people provide unpaid care to someone 18 and older who is ill or has a disability. Typically, close family members or friends of aged, infirm, or very ill people serve as... Read more
Does Medicare Cover Vytorin?
Vytorin is a combination medication people may take to lower cholesterol levels, according to the United States Food and Drug Administration. In order for you to receive Medicare coverage for Vytorin or the generic combination of simvastatin and ezetimibe,... Read more
Does Medicare Cover Tylenol?
The manufacturer brands a generic medication acetaminophen as Tylenol, a pain-reliever and fever-reducer sometimes used to treat arthritis. Part A and B of Original Medicare may not cover Tylenol in either an over-the-counter or prescription strength form. To... Read more
Does Medicare Cover Cholesterol Testing?
According to the National Institute of Health's National Heart, Lung, and Blood Institute, heart disease is the leading cause of death in the United States. In fact, in 2010, heart disease was responsible for 32% of all deaths in the U.S. If you are... Read more
What Medicare Plans Does Blue Cross ® and Blue Shield ® of Oklahoma Offer?
Blue Cross and Blue Shield of Oklahoma offers Medicare Advantage plans and stand-alone Medicare Part D prescription drug coverage to beneficiaries in the state. Whether you're new to Medicare or exploring your different coverage options, here's a look at the... Read more
Does Medicare Cover Razadyne?
Razadyne helps treat symptoms of Alzheimer's disease, according to the National Institutes of Health (NIH) Library of Medicine. Doctors may also prescribe this medicine as a generic drug called galantamine. Part A and B of Original Medicare don't typically... Read more
Does Medicare Cover Proventil?
Doctors might prescribe Proventil or the generic equivalent, albuterol, to treat wheezing, difficulty breathing, tightness in the chest, or certain other symptoms, according to the National Institutes of Health (NIH) National Library of Medicine. Original... Read more
Does Medicare Cover Prevacid?
Doctors may prescribe Prevacid, or the equivalent generic lansoprazole, to treat gastroesophageal reflux disease (GERD) and help prevent ulcers, according to the National Institutes of Health (NIH) National Library of Medicine. You can also buy an... Read more
Does Medicare Cover Microzide?
Generally, if your doctor prescribes Microzide to treat your high blood pressure (also called hypertension), Medicare won't cover your medication outside of certain situations (described below). However, if you have a stand-alone Medicare Part D Prescription... Read more
What are Medicare Part D-IRMAA and Part B-IRMAA?
If you’re covered by the Medicare program or about to be eligible for Medicare benefits, you may have heard about the Income-Related Monthly Adjustment Amount, or IRMAA. These new premium adjustments were created under the Affordable Care Act and first went... Read more
Does Medicare Cover Diabetes Supplies
Are you looking for ways to manage your costs for diabetes supplies? In addition to any medications your doctor prescribes, like insulin, you also could have costs related to daily blood glucose monitoring. Fortunately, if you are enrolled in Original... Read more
Can I Apply for Medicare Online?
If you are approaching Medicare eligibility, you may have questions about how to sign up to receive your benefits. Fortunately, you have more convenient options than making an appointment with a representative and driving to your local Social Security... Read more
What Are the Common Causes and Symptoms of Diabetes?
When you eat, your body turns most of your food into sugar, or more specifically, glucose, according to the Centers for Disease Control and Prevention (CDC). In turn, your body uses glucose as fuel. A healthy pancreas secretes insulin, and this hormone sends... Read more
Medicare Advantage and End Stage Renal Disease
When your kidneys are no longer able to function at a level that supports daily living, you might have end-stage renal disease (ESRD). In most cases you can't enroll in a Medicare Advantage plan when you have ESRD. The Center for Medicare & Medicaid... Read more
What is type 2 diabetes?
The National Institutes of Health (NIH) defines diabetes as a condition where your body doesn't make enough of the hormone insulin, or doesn't use insulin properly. Insulin is a hormone produced by the pancreas that helps control the amount of blood sugar, or... Read more
Lung Cancer Overview: Risk Factors, Symptoms, and Prevention
According to the American Cancer Society, lung cancer is the second most common type of cancer among both men and women. Lung cancer is by far the leading cause of cancer death each year, ending more lives than prostate, breast, and colon cancer combined.... Read more
Managing Caregiver Stress
According to the Centers for Disease Control and Prevention (CDC), more than 34 million people in the United States are unpaid caregivers to adults who are ill or have a disability. Over half of these caregivers believe their own health has suffered as a... Read more
Alzheimer’s Disease and Caregiving
Alzheimer's disease is a form of dementia (a type of brain disorder), according to the National Library of Medicine. Alzheimer's disease is the most common kind of dementia. Alzheimer's disease can affect memory, thought, and language. When... 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
Does Medicare Cover Crutches?
If your doctor has recently prescribed crutches to help you walk after an illness, injury, or disability, you may have questions about your Medicare coverage and how much you will have to pay. Fortunately, Medicare Part B (the medical insurance part of... Read more
Estate Planning: Finding an Attorney
Families often don't consider the implications of important tasks like estate planning until a family member is facing cognitive decline, a debilitating illness, or the prospect of long-term care, according to the National Institute on Aging (part of the... 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
What is the Treatment for Cardiovascular Disease?
Cardiovascular disease, also called heart disease, describes a number of conditions that affect your heart, according to the Centers for Disease Control (CDC). These conditions may include atherosclerosis (a build-up of plaque in the arteries), arrhythmia... Read more
Kidney Disease Overview
According to the National Institute of Diabetes and Digestive and Kidney Diseases (NIDDK), your kidneys are fist-sized organs located in the middle of your back, one on each side of your spine. They have a bean-like shape (think "kidney" beans) and play an... Read more
Logging In to MyMedicare.gov
As a Medicare beneficiary, you are welcome to use MyMedicare.gov to do such tasks as: Track your personal health information View and print a list of your current prescription medications Take advantage of the Blue Button's useful features... Read more
Health Tips for Caregivers
According to a 2015 caregiver survey by the AARP Public Policy Institute and the National Alliance for Caregiving (NAC), 22% of caregivers reported declining health as a result of caring for a loved one, and nearly half reported high levels of emotional... Read more
After Caregiving Ends: Life after Caregiving
When your caregiver duties come to a close after the death of a loved one, there's often a double sense of loss, observes the Hospice Foundation of America. In addition to grieving for your loved one, you also might feel the loss of your caregiving role... Read more
Preparing for End-of-Life Care and Meeting Final Wishes
The National Institute on Aging (NIA) says that end-of-life care is the support and medical care given during the time a loved one is nearing death. According to NIA, when you are providing end-of-life care and comfort for someone you love, there are... Read more
How Do I Find Hospitals Near Me That Accept Medicare?
If you are a current Medicare beneficiary, or soon to be eligible, you may have questions about how and where you can use your Medicare coverage and which hospitals near you accept Medicare. You may also want to compare hospitals based on certain quality... Read more
Rheumatoid Arthritis Treatment and Medicare Coverage
According to the National Institute of Arthritis and Musculoskeletal and Skin Diseases, about 1.5 million Americans have rheumatoid arthritis (RA). Rheumatoid arthritis is a chronic autoimmune disease that causes pain, stiffness, swelling, and loss of... Read more
Osteoarthritis: Definition, Symptoms, and Risk Factors
Do you or a loved one suffer from osteoarthritis? Here’s an overview of the condition. What is osteoarthritis? According to the Arthritis Foundation, osteoarthritis is an inflammatory process that causes the cartilage covering the bones to wear down,... Read more
Depression Overview: Symptoms, Risk Factors, Causes, and Prevention
If you’re concerned that you or a loved one may be struggling with depression, it can be helpful to understand the signs of depression. The National Institutes of Health (NIH) defines depression as a serious mood disorder that severely affects the way... Read more
Does Medicare Cover the PSA Test?
As a Medicare beneficiary, you may be eligible to receive one PSA test, also known as the prostate-specific antigen blood test, which screens for prostate cancer. You can get this test at no cost to you once each year, as long as your doctor accepts Medicare... Read more
Medicare Coverage of Nebulizer Machines
What is a nebulizer? A nebulizer is a machine that delivers liquid prescription medications in a fine mist you can inhale. Your doctor might prescribe medication to use with a nebulizer to help open your airways if you have certain health problems that... Read more
Does Medicare Cover Anesthesia?
If you receive anesthetics for a covered medical procedure, whether as an inpatient at a hospital or as an outpatient at an ambulatory surgical center, Original Medicare (Part A and Part B) may cover these services. To qualify for Medicare coverage,... Read more
How Do Medicare Contractors Help with Appeals?
Medicare may use contractors to help process appeals. You have the right to file a Medicare appeal if you feel that Medicare (or a Medicare health plan or prescription drug plan) has denied you coverage of an item or service, or covered less of the cost than... Read more
Can I Delay Medicare Part D Enrollment?
If you’re approaching Medicare eligibility, especially if you’re in good health, you probably have questions about just how much health-care coverage you really need. For many people, enrollment in Original Medicare (Part A and Part B) happens... 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
About Blue Cross Blue Shield
You may find Blue Cross Blue Shield to be a familiar name in the Medicare health plan market. If you're thinking about enrolling in a Medicare Advantage plan, Medicare Part D Prescription Drug Plan, or Medicare Supplement plan, here are some facts about Blue... Read more
New to UnitedHealthcare Medicare? Here’s What You Need to Know
As a new member of a UnitedHealthcare Medicare Advantage plan or Medicare Part D Prescription Drug Plan, you may have questions about how your plan works and where to go if you need help. This guide will help you get the most of your benefits and find... Read more
How Can I Find Out if My Prescription Drugs Are Covered by My UnitedHealthcare Plan?
UnitedHealthcare (UHC) is a private insurance company contracted with Medicare to provide prescription drug coverage in certain UnitedHealthcare Medicare Advantage plans and UnitedHealthcare Medicare Part D Prescription Drug Plans. If you are enrolled in a... Read more
What Medicare Advantage Plans Does Anthem Blue Cross Have in California?
If you're looking for an alternative way to receive your Original Medicare (Part A and Part B) benefits, you might want to look at Medicare Advantage plans offered by Anthem Blue Cross of California. Anthem Medicare Advantage plans offer all the same... Read more
How Can I Find Out if My Prescription Drugs Are Covered by My Anthem Medicare Plan?
If you're a Medicare beneficiary, there are a couple of ways you can get coverage for your prescription medications – through a Medicare Advantage Prescription Drug plan, or a stand-alone Medicare Part D Prescription Drug Plan. Anthem is a private insurance... Read more
Do Anthem Medicare Plans Cover Routine Dental Services?
If you're a Medicare beneficiary looking for dental coverage, you may be interested in Anthem Medicare Advantage plans or Anthem Extras plans. Here's what you need to know about these plans. Does Medicare dental coverage apply to routine care? Under... Read more
What Medicare Advantage Plans Does WellCare Have?
If you are currently enrolled in Medicare, or approaching Medicare eligibility, you may have questions about the different coverage options under the Medicare program. WellCare, a Medicare-approved private insurance company, offers several Medicare Advantage... Read more
New to WellCare Medicare? Here’s What You Need to Know
If you've recently enrolled in a Wellcare Medicare Advantage or Wellcare Medicare stand-alone Part D Prescription Drug Plan, you may have questions about how to use your plan benefits and what you can expect. Here are some tips and answers to frequently... Read more
What Types of Medicare Part D Coverage Does Coventry Offer?
As a Medicare beneficiary, you may be interested in Medicare Part D prescription drug coverage. Coventry, a private insurance company contracted by Medicare to provide health-care benefits, offers two ways to get your Medicare Part D coverage for... Read more
Do Coventry Medicare Plans Cover Routine Dental?
Under Original Medicare (Part A and Part B), there is no coverage for routine or preventive dental care services, such as routine exams, cleanings, extractions, or dental appliances. In some situations, Medicare may cover certain dental services if they are... Read more
What Medicare Supplement Plans Does Humana Offer?
Many Original Medicare beneficiaries enroll in Medicare Supplement policies, also called Medigap plans, to help cover certain medical expenses not covered by Original Medicare. Depending on the specific policy, these plans can offer more predictability in... Read more
Do Medicare Advantage Plans from Aetna Cover Routine Dental Services?
There is no coverage for routine dental services under Original Medicare (Part A and Part B); however, if you choose to receive your Part A and Part B benefits through the Medicare Part C program -- through an Aetna Medicare Advantage plan, for example --... Read more
Medigap Coverage of Pre-Existing Conditions
People often ask me when the best time is to enroll in a Medicare Supplement (Medigap) policy. My answer is always the same: If you want the most plans available to you and especially if you have health issues, you should join a plan when you're first... Read more
Medicare Eligibility for Permanent Residents
If you're a green card holder, you may be wondering if you're eligible for Medicare. United States permanent residents may qualify for Medicare if they've lived here at least five continuous years. You may be a green card holder for several reasons, such... Read more
Qualifying for Medicare Through Disability or Illness
Most people think of Medicare as a health-care program for older adults. However, if you have a disability or certain health conditions, you may be eligible for Medicare before you turn 65. You may qualify for Medicare before age 65 if: You're... 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
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
Medicare Doctors When You Live in Multiple States
Medicare doctors in multiple states and Medicare Part A and Part B When you’re enrolled in Original Medicare, Part A and Part B, you can generally see any Medicare doctors in the country that takes Medicare assignment (a payment agreement with Medicare).... Read more
Does Medicare Cover Coreg?
If you have heart failure or have suffered a heart attack, your doctor may prescribe Coreg, or its generic equivalent carvedilol, according to the National Institutes of Health's Medline Plus website. Coreg may also be prescribed to treat high blood pressure.... Read more
Does Medicare Cover Walk-In Bathtubs?
Some seniors and disabled people get walk-in bathtubs installed in their homes. Walk-in bathtubs may make access to the tub or shower easier, and may prevent falls, notes the Consumer Affairs website. What is a walk-in bathtub? A walk-in bathtub has a door... 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
Does Medicare Cover Combivent?
If you have asthma, your doctor might prescribe a Combivent inhaler for you. Learn whether Medicare covers Combivent. What is Combivent? Combivent (a combination of generic drugs albuterol and ipratropium) may be prescribed to treat and prevent asthma and... Read more
Comparing Medicare Advantage Plans to Medicare Supplement Plans
People might have a difficult time deciding whether to enroll in a Medicare Advantage plan (Medicare Part C) or a Medicare Supplement plan (also known as Medigap). With a Medicare Advantage plan, the beneficiary receives all of their services through the... Read more
Does Medicare Cover the Shingles Vaccine?
Original Medicare, Part A and Part B, don't cover the shingles vaccine. Medicare Part D (optional prescription drug coverage), on the other hand, may cover the shingles vaccine, as well as other commercially available vaccines. Shingles is a painful rash... Read more
What is the Donut Hole?
Medicare beneficiaries can get Medicare Part D prescription drug coverage through either a stand-alone Part D Prescription Drug Plan or a Medicare Advantage Prescription Drug plan. In either scenario, Medicare Part D coverage of prescription drugs follows... Read more
Does Medicare Cover Diovan?
If your doctor prescribes Diovan or Valsartan, the generic for Diovan, you may be wondering if Medicare covers this prescription drug. What is Diovan? According to the National Institutes of Health (NIH) publication Medline Plus, Diovan is in a class of... 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
Does Medicare Cover Celebrex?
Original Medicare, Part A and Part B, doesn’t pay for Celebrex, Celebrex generic, or most other medications. Part A and Part B only cover medical care that hospitals and physicians provide. To gain prescription drug insurance, you will need to purchase a... Read more
Does Medicare Cover Aldactone?
What is Aldactone? Doctors may prescribe Aldactone to help treat people with hyperaldosteronism, reports the National Institutes of Health’s Medline Plus website. This is the name for a condition where the body produces too much of a hormone called... Read more
Does Medicare pay for Chiropractic Exams?
Original Medicare offers limited coverage for chiropractic services, such as chiropractic exams. You may need to pay the full cost of any X-rays, lab tests, or other services ordered by a chiropractor. Does Medicare pay for chiropractic exams Medicare... 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 in Maine
Shopping for a Medicare plan in Maine? Medicare.com may be able to help you locate a Medicare plan option that works for you. It may be a good idea for you to explore all available choices before enrolling in a plan, and that’s where I come in. Here’s... Read more
About Medicare Supplement (Medigap) Plans F, G, and N
Are you considering Medicare Supplement insurance? Medicare Supplement plans, also called Medigap plans, can help pay for out-of-pocket costs for services covered by Original Medicare (Part A and B). It's important to select a Medigap plan option that fits... Read more
Medicare in Arkansas
In Arkansas, as in other states, Medicare beneficiaries may have several choices when it comes to their Medicare coverage. For example, you can hold onto Original Medicare, Part A and Part B and add certain other coverage to Original Medicare (such as a... Read more
Medicare in California
If you’re shopping for Medicare in California, Medicare.com offers complimentary use of our plan comparison tool. With this tool, you can browse a list of Medicare plan options available in your county, compare prices, and review coverage in greater... Read more
Medicare in the District of Columbia
District of Columbia residents may have several choices when it comes to their Medicare coverage. You may opt to get your Medicare benefits through the federal arm of the program, called Original Medicare, Part A and Part B, or you may enroll in a Medicare... Read more
Medicare in Indiana
While shopping for Medicare plans in Indiana, let Medicare.com be your resource. About Medicare in Indiana Medicare beneficiaries in Indiana can choose to receive their health care through the federal government with Original Medicare, Part A and Part B or... Read more
Medicare in Utah
Shopping for a Medicare plan in Utah? It doesn’t have to feel like a daunting task with Medicare.com as your resource. We can help you find a Medicare option that best suits your needs. About Medicare in Utah Medicare beneficiaries in Utah can get their... Read more
Medicare in North Dakota
Before you enroll in a Medicare plan in North Dakota, it is recommended that you consider all available options. As such, Medicare.com offers the use of our plan comparison tool for specific plan data and pricing. About Medicare in North Dakota Medicare is... Read more
Medicare in Vermont
Medicare beneficiaries in Vermont may have many options when it comes to Medicare. Whether you get your coverage through Original Medicare or a Medicare Advantage plan, it’s important to consider all of your choices carefully so that you find coverage that... Read more
Medicare in Ohio
Eligible Medicare beneficiaries in Ohio may have several Medicare coverage options. You can receive your coverage through Original Medicare, Part A and Part B. If you sign up for Original Medicare, you can decide to add a stand-alone Medicare Part D... Read more
Guide to Medicare Preventive Services and Screenings
As a result of the Affordable Care Act, also known as health reform, the government now covers a variety of Medicare preventive services and screenings for individuals enrolled in Medicare Part B. Often, these benefits are covered at no cost to the... Read more
Top 10 Reasons to Get a Medicare Supplement Plan
Medicare Supplement (Medigap) plans are sold privately to give you a range of choices for your health coverage needs. Medicare Supplement plans help pay Medicare Part A and Part B costs Original Medicare, the health coverage you can get when you turn 65 or... Read more
How to Avoid the Medicare Prescription Drug Coverage Gap, or “Donut Hole”
Most Medicare Part D stand-alone and Medicare Advantage prescription drug plans include a coverage gap in Part D benefits, also known as the Medicare “donut hole.” During this gap in prescription drug coverage, beneficiaries may have to pay a larger... Read more
How to Determine if Your Medicare Advantage Plan Is Right for You
Your Medicare Advantage plan, also known as Medicare Part C, coverage details could potentially change each year. That's why it's important for you to review your Part C plan options each year to ensure that you continue to be enrolled in the right plan for... Read more
About the Medicare Fee Schedule
If you review your Medicare Summary Notices, you may see that the "Amount Charged" by your Medicare provider may not be the same amount as the "Medicare Approved" charge. This is because Medicare only approves the amount listed in the Medicare fee schedule... Read more
When You Can Buy a Medicare Supplement (Medigap) Insurance Policy
The best time to purchase Medicare Supplement insurance, also known as Medigap, is during your Medigap Open Enrollment Period. This period lasts six months and begins the first day of the month in which you are 65 or older and enrolled in Medicare Part B. So... Read more
How Medicare Supplement (Medigap) Premiums Are Calculated
One of the main factors in determining which Medicare Supplement (Medigap) policy is right for you is the monthly premium amount, especially if you are on a budget. The monthly premium will depend on the type of Medigap plan you choose (Plan A, B, C, etc.)... Read more
About the Medicare Part D Prescription Drug Coverage Gap (“Donut Hole”)
The Medicare coverage gap is the phase of your Medicare Part D benefit when there is a gap in prescription drug coverage. You might not reach this stage at all; it starts if you and your plan spend a certain amount of money within a year, as described below.... Read more
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