customer rating (227 votes) ?
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
How do I Choose a Medicare Part D Plan That is Best for Me
Medicare Part D is prescription drug coverage offered by private insurance companies. You can get Medicare Part D coverage through a stand-alone plan that works together with Original Medicare (Part A and Part B) or through a Medicare Advantage plan. This... Read more
Comparing Medicare Advantage Plans
If you’re like many Medicare beneficiaries, you could have options for Medicare Advantage plans available in your area. Choosing the right Medicare Advantage plan could have a significant impact on your health care coverage and your finances. You will... Read more
Medicare Supplement Plans in South Dakota
What is Medicare Supplement in South Dakota? A Medicare Supplement plan (also known as Medigap) in South Dakota is insurance sold through a private insurance company licensed in South Dakota to help fill the gaps in Medicare Part A and Part B coverage. These... Read more
Medicare Supplement Plans in North Dakota
According to the Centers for Medicare and Medicaid Services (CMS), North Dakota is the home to almost 103,000 Original Medicare beneficiaries. If you’re enrolled in Original Medicare, you may be eligible for a Medicare Supplement plan in North... Read more
Medicare Supplement Plans in Nebraska
If you're like most Nebraskans, you're choosing Original Medicare (Part A and Part B) for your Medicare coverage. According to the Centers for Medicare and Medicaid Services (CMS), around 87% of all Medicare enrollees in the state chose Part A and Part B over... Read more
Medicare Supplement Plans in Washington DC
There are over 75,000 beneficiaries of Original Medicare in Washington DC in 2018, according to the Centers for Medicare and Medicaid Services (CMS). If you’re one of these Medicare beneficiaries you may be eligible for a Medicare Supplement plan to help... Read more
Medicare Supplement Plans in Maine
Health-care costs are on many people's minds these days. If you're on Medicare in Maine, it may be worth your while to learn about Medicare Supplement plans. From Portland to Penobscot Bay to Presque Isle, Medicare Supplement plans in Maine might pay some of... Read more
Medicare Supplement Plans in Illinois
Medicare Supplement plans in Illinois are sold by private insurance companies. Although they are not part of the federal Medicare program, Medicare Supplement plans in Illinois can help to pay some of your out-of-pocket costs if you have Medicare Part A... Read more
Medicare Supplement Plans in Connecticut
Medicare Supplement (Medigap) plans in Connecticut are offered by private insurance companies and can insure you alongside Original Medicare (Part A and Part B). Medicare Supplement plans in Connecticut provide coverage for out-of-pocket costs such as... Read more
Medicare Supplement plans in Alaska
About 34% of seniors enrolled in Original Medicare had purchased a Medicare Supplement Insurance Plan at the end of 2016, the most recent period data is available from American’s Health Insurance Plans (AHIP). If you're interested in additional coverage... Read more
Do I Need to Be Healthy to Qualify for Medicare Coverage? – Frequently Asked Questions
If you have health issues and you're new to the Medicare program, you could wonder whether this may affect your Medicare coverage. Learn how Medicare works when it comes to health status. Medicare coverage of pre-existing conditions In general, Original... Read more
Does Medicare Cover Preventive Health Care? – Frequently Asked Questions
Medicare Part B’s benefits include many preventive health-care services. To name just a few, these may include: Flu shots Colorectal cancer screenings Diabetes screenings Pneumococcal (pneumonia) shots Part B is the medical insurance arm of... Read more
Can I Enroll in a Medicare Prescription Drug Plan if My Initial Enrollment Period is Over? – Frequently Asked Questions
If you missed your Medicare Initial Enrollment Period but you want to sign up for a Medicare Prescription Drug Plan, it’s not too late. There are several time periods when you may be able to enroll. Here’s a brief rundown of these opportunities to... Read more
Can I Combine Other Insurance with Medicare? – Frequently Asked Questions
If you have Medicare and other insurance, the good news is you can generally use both types of insurance to cover your health care costs. Each type of coverage is called a payer. When there is more than one payer, coordination of benefits rules decides which... Read more
Will Medicare Costs Go up in 2018? – Frequently Asked Questions
Medicare costs like premiums, copayments, coinsurance, and deductibles may change from year to year. Here's what to expect when it comes to Medicare costs in 2018. 2018 Medicare costs for Part A Medicare Part A covers inpatient hospital and skilled nursing... Read more
How do I get Medicare Prescription Drug Coverage? – Frequently Asked Questions
Unfortunately, under Original Medicare, Part A and Part B, there is very limited prescription drug coverage. In general, Medicare doesn't cover medications you take at home on your own. There are a few exceptions, such as prescription drugs you use in... Read more
How do I sign up for Medicare? – Frequently Asked Questions
As you enter or approach retirement age, it's natural to wonder when and how to sign up for Medicare. Signing up for Medicare is easier than you might imagine; read this guide to find out what you need to do to get covered. When can I first sign up for... Read more
Medicare.gov: Getting to Know the U.S. Government Site for Medicare
Medicare.gov is the official U.S. government site for Medicare. You will find a wealth of Medicare information on this site, including how to sign up for Medicare, what Medicare covers, and what Medicare costs. If you educate yourself about Medicare at... Read more
Living with Arthritis in Your Hands
Arthritis in the hands or wrists can really limit what you do. Even everyday tasks like tying your shoes can be difficult. This article explores what causes arthritis in hands and how you might be able to get relief. The most common types of arthritis are... Read more
Seniors and Cruise Ship Travel: Staying Safe and Healthy
Cruise ships are a popular form of senior travel. A little planning ahead and smart habits can go a long way toward cruise ship safety. Senior travel on a cruise ship – start by getting shots The Centers for Disease Control (CDC) advises that you make... Read more
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’s new with Medicare Part D in 2018?
If you have Medicare Part D (prescription drug coverage) or plan to enroll in a stand-alone Medicare Part D Prescription Drug Plan, you may be interested in several cost-related trends in 2018. Medicare Part D premium may decline In its August 2017 news... Read more
Does Medicare cover sleeping pills?
The National Institutes of Health suggests that about half of all seniors have trouble falling or staying asleep. If you've talked to your doctor about insomnia, and he or she has ruled out an underlying medical cause, you may be a candidate for over the... 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
Does Medicare Cover a Hysterectomy?
The uterus, also called womb, is where a baby grows when a woman is pregnant. A hysterectomy is a surgery to remove a woman’s uterus, according to the U.S. Department of Health & Human Services. The fallopian tubes and ovaries may also be removed. A... 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
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
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
What Type of Medicare Plan Might Be a Good Fit for You?
Are you new to Medicare? Choosing Medicare coverage can be a challenge. There may be several Medicare coverage choices in your vicinity. But how do you know which Medicare coverage choice might work for you? Medicare coverage choices: what are they? When... 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
Leg cramps: causes, diagnosis & treatment, and prevention
What causes leg cramps? Pain from leg cramps can wake you up in the middle of the night, reports a Harvard Medical School newsletter. Leg cramps happen when your muscles (usually calf muscles) contract on their own, according to the National Institutes of... 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
Nutrition for Seniors: Tips for a Healthy Diet
Eating a well-balanced diet is an important part of staying healthy as you age, according to the National Institute on Aging. When it comes to nutrition for seniors, it's important to understand that a healthy diet: May help you stay energized and... 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
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
Does Medicare Cover Nail Fungus?
If you have nail fungus, you’re not alone. According to the Mayo Clinic, nail fungus is common, especially in older adults. Nail fungus results in nails that are thickened, discolored, brittle and ragged, and slightly foul smelling. Nail fungus can affect... 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
Medicare Supplement in Texas
If you’re a Texas resident who’s new to Medicare, you may have heard that Medicare Supplement plans can help with certain out-of-pocket costs. Here’s an overview of how Medicare Supplement plans in Texas work, including eligibility, when you might want... 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
How Can a Medicare Supplement Plan Help You Manage Hospital Costs?
If you have a medical condition that has you in and out of the hospital frequently, you might worry about how you'll manage hospital costs. Even though Medicare generally covers some hospital costs, your out-of-pocket costs might get high. A Medicare... 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
Medicare Supplement Insurance for Those Under 65 in Florida
Are you under 65 with a disability and looking for help with Original Medicare out-of-pocket costs? A Medicare Supplement (also known as Medigap) plan might help with some of these costs, like copayments and deductibles. Some Medicare Supplement plans might... Read more
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
Early Signs of Dementia
Some people worry that they might have early signs of dementia. If you forget a name now and then, or where you put your car keys, you might not have to worry that you have dementia. According to the Centers for Disease Control, Alzheimer's disease is the... 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
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
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
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
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
Will Medicare Cover Vitamins and Supplements?
Some people value vitamins and supplements. Health-care providers may recommend certain vitamins and supplements, such as vitamin D and calcium, the National Institutes of Health reports. Medicare doesn't generally cover vitamins and supplements. There may... Read more
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
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
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
Does My Pre-Existing Condition Increase My Medicare Costs?
As you get older, your chances of having a medical condition of some kind increases: according to the Centers for Medicare & Medicaid Services (CMS), up to 86% of older Americans between age 55 and 64 have a pre-existing medical condition. You usually... Read more
What You Should Know about Hiring a Caregiver for the Elderly
If your aging loved one is coping with Alzheimer’s and dementia, cancer, stroke, or another disabling condition, you may find that she can no longer live safely or easily on her own. She may need help with the most basic tasks of life, from going to the... Read more
What 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
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
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’s the difference between Medicare Supplement plans and Medigap plans?
If you're wondering "What's the difference between Medicare Supplement and Medigap? Is a Medigap policy the same thing as a Medicare Supplement plan? What do these plans offer me in coverage?" then here is some information for you. Medicare Supplement plans... 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
Understanding Medicare’s Out-of-Pocket Expenses
When people talk about Medicare costs, you may hear the phrase “out-of-pocket” used frequently. But what does it mean? “Out-of-pocket” medical expenses refer to any health-care expenses you have to pay yourself. With Medicare, these expenses may... 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
How to Prevent Diabetes
Diabetes occurs when your body has trouble metabolizing insulin or can't produce enough. Roughly 90 to 95% of people with diabetes have type 2 diabetes, according to the Centers for Disease Control and Prevention; this form occurs when your body can't use... 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
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
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
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
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
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
Advanced Illness: Feeding Tubes and Ventilators
Families caring for chronically or seriously ill loved ones are ultimately faced with very difficult decisions as the end of life approaches. An acute event such as a stroke or heart attack, or the natural progression of neurological diseases such as... Read more
Does Medicare Cover Zyprexa?
Oral Zyprexa can be used to treat schizophrenia and bipolar I disorder, according to the National Institute of Health (NIH). Do you wonder if Medicare covers your Zyprexa? The answer is that Medicare generally does not cover Zyprexa, or the generic... 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 Blue Shield of Arizona Offer?
If you live in Arizona and would like to learn about the different options you have for your Medicare coverage, you may want to read this article to learn what Blue Cross Blue Shield of Arizona (BCBSAZ) and Blue Cross Blue Shield of Arizona Advantage may have... Read more
What Medicare Plans Does Premera Blue Cross of Washington Offer?
If you're a resident of Washington enrolled in the Medicare program, or about to be eligible for Medicare benefits, you may be interested in the plans offered by Premera Blue Cross. Here's a brief rundown on the Medicare Advantage and Medicare Supplement... Read more
Does Medicare Cover Lopressor?
Medicare Part A and Part B doesn't cover Lopressor (metoprolol tartate) in most situations. According to the National Institutes of Health, Lopressor is sometimes used to treat conditions such as: High blood pressure Chest pain Heart attack (to... Read more
Does Medicare Cover Weight-loss Surgery?
If you are covered under Original Medicare (Part A and Part B), and your doctor has diagnosed you with "morbid obesity," Medicare might cover your weight-loss surgery (also called bariatric surgery). Here's what you may want to know. What's "morbid... 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
Seniors and Insomnia
If you have trouble falling or staying asleep, you may have insomnia. According to National Institute of Health (NIH), insomnia affects almost half of adults age 60 and older. Insomnia can result in serious health concerns. Specifically, the NIH study showed... Read more
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
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
Caregiving with Your Siblings
As you may know from experience, caregiving for elderly and infirm parents is not always simple. Having siblings around to share the responsibility may ease the burden. Very often it also makes caregiving more complex, according to the Family Caregiver... 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 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 Knee Replacement and Knee Replacement Surgery?
According to the National Institutes of Health, or NIH, doctors most commonly suggest knee replacement because of damage and pain caused by conditions such as osteoarthritis. When patients suffer from osteoarthritis, cartilage breaks down. This allows the... Read more
What is a Conservatorship in California?
In California, if a family member is no longer able to make decisions about his or her personal or financial affairs, a judge may be able to appoint someone to care for this person. If the person is an adult, the process is called "conservatorship;" in the... 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
The Challenges of Living with Incontinence
What is incontinence? According to the National Institutes of Health (NIH), the definition of incontinence is the accidental leakage of urine or losing bladder control. Incontinence is a common problem, especially as people age. Knowing that, however,... 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
Is My Doctor Covered by Medicare?
You may have concerns about finding a Medicare-approved doctor so you can maximize coverage, get help filing claims, and reduce your out-of-pocket expenses. Medicare Part B (medical insurance) covers medically-necessary services or covered preventive tests... 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
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
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
What is an Annual Notice of Change?
If you're currently enrolled in a Medicare Advantage plan, your plan will send you a "Plan Annual Notice of Change" (ANOC) each fall. The Annual Notice of Change is a booklet that explains any changes in your plan’s benefit coverage, costs, or service area... 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
What Is Psoriatic Arthritis?
If you or a loved one suffer from psoriatic arthritis, you may have many questions about the condition. Psoriatic arthritis is a chronic inflammatory condition characterized by painful, scaly, red or white skin patches that break out over the body. Here is... 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
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
What Medicare Plans Does UnitedHealthcare Offer?
Are you new to Medicare or interested in exploring some of your Medicare coverage choices beyond Original Medicare? UnitedHealthcare offers a variety of Medicare plans, including Medicare Advantage plans, Medicare Part D prescription drug coverage, and... 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 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 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 to Appoint a Personal Representative for Your Anthem Medicare Plan
From time to time, you may want someone to help you manage your Anthem Medicare plan benefits, or help you file an appeal, grievance, or complaint. Fortunately, there is a process you can follow to appoint a personal representative who can act on your... 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 Types of Medicare Part D Coverage Does Humana Offer?
Medicare Part D prescription drug coverage is available through Medicare-contracted private insurance companies such as Humana. How you can get it depends on whether you're enrolled in Original Medicare or Medicare Part C (Medicare Advantage). Whether... Read more
Do Medicare Advantage Plans Offered by Humana Cover Routine Dental Services?
If you are enrolled in Original Medicare (Part A and Part B), you may already know that it doesn't cover routine dental care. However, if you choose to get your Medicare benefits through a Medicare Advantage plan offered by Humana, you may be able to get... Read more
Does Medicare Cover Flomax?
If your doctor has prescribed Flomax, or the Flomax generic equivalent, tamsulosin, you might wonder whether Medicare covers it. According to the Food and Drug Administration, Flomax is used to treat enlarged prostates in men. Flomax is in a class of... 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
The Many Features of the Medicare Blue Button
Medicare's Blue Button is an online tool you can use to access your health information securely. You can decide to share that information with your doctors, loved ones, or anyone else of your choosing. It's available on the MyMedicare.gov site, which helps... Read more
How to Complete Medicare Enrollment Forms
As you approach the age of 65, you’ll want to make sure you enroll in the Medicare insurance plan that may suit your needs. To do so, you need to know how to sign up for Medicare and which Medicare application forms to complete. Do I need Medicare... 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 Gynecology?
Gynecology, often grouped with obstetrics, is a branch of medicine that specializes in the diagnosis and treatment of diseases of the female reproductive organs, according to the National Cancer Institute. Gynecology also specializes in other women’s health... Read more
Does Medicare Cover Xanax?
If your doctor prescribes Xanax for you, you might have questions about Medicare coverage of this prescription drug. What is Xanax? Xanax (generic name: alprazolam) is a prescription medication that your doctor may prescribe to treat anxiety, according to... 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 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 Dental Implants?
Does your dentist say you need dental implants? If you're not sure about the details of Medicare dental coverage, we hope you find this overview about Medicare and dental implants useful. If you're like many Medicare beneficiaries, you might already be... 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
Does Medicare Cover Hip Replacements?
Original Medicare, Part A and Part B, may cover medically necessary surgery and related doctor’s services, and this may include hip replacements. Medicare Advantage and Medicare Supplement may also cover some costs associated with a hip replacement. What... 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 Sterapred?
Sterapred is a brand-name preparation of prednisone. According to the National Institutes of Health's Medline Plus website, prednisone is a corticosteroid used to treat a wide variety of conditions, including arthritis, multiple sclerosis, lupus, certain... 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 Cover Vicodin?
Vicodin, or its generic form Hydrocodone bitartrate/acetaminophen, may be prescribed by your doctor to reduce pain. Vicodin combines a narcotic (hydrocodone) and a non-narcotic (acetaminophen) pain reliever, according to the FDA. Both the hydrocodone and the... 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 Oklahoma
Let Medicare.com be your resource when shopping for a Medicare plan in Oklahoma. We offer our plan comparison tool to help you evaluate Medicare Advantage, Medicare Part D (prescription drug coverage), and Medicare Supplement plans in your area. About... Read more
Medicare in Rhode Island
When you’re choosing a Medicare plan in Rhode Island, you may want to consider all of the options. Let Medicare.com be your resource for coverage facts while offering the use of our plan comparison tool to examine Medicare pricing options and plan... Read more
Medicare in Virginia
While shopping for Medicare plans in Virginia, Medicare.com can be your resource. Our site offers a plan comparison tool that makes it easy to browse plan options in your area. When it comes to finding the right Medicare plan for you, we can help. About... 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
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
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
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
Customer reviews of Pamela
If I could write a scenario of a wonderful experience with a representative from any company...the experience with Pamela would be at the top of my list. I wish I could have recorded our conversation so I could play it back in my not so good times...It would put a smile on my face. A BIG Thanks
Anonymous, Spirit Lake, ID
Pam was very helpful,she has a special way of dealing with people who call that are upset about the new coverage, and are confused Pam has a calming affect,she makes people understand what they are doing easy. I hope in the near future if I have to call again to talk to someone I get Pam,because she was so helpful. So thank you Pam .
Anonymous, Philadelphia, PA
Pam Kennedy was extremely helpful and courteous. She let me know she was not swayed in any way by any carrier in order to promote a specific insurance. Her interest was solely to direct me to the insurance that would best suit my specific needs. I am very please with the results and have already recommended your site to other people even the HR department at my present employed so they might direct future retirees.
George S, Crown Point, NY
Female, 65, Abingdon, MD
I appreciated the very informed agent who called me; very knowledgeable about multiple Medicare Advantage Plans and was quite professional.
Female, 66, Boca Raton, FL