customer rating (148 votes) ?
Steve could not have been more courteous, friendly and most helpful. I did not feel rushed and he answered all my questions and provided information I did not know--that did not know to ask. I will definitely contact him again if or when I have further questions or need to re-enroll in the fall. Anonymous, Atlanta, GA Read more reviews
More about Steven
I will provide integrity in all that I do. If it is not right for someone, I’ll tell that person not to do it.
Three words that describe me:
Integrity, loyalty, and patriotic.
Favorite thing to do when not at work:
Play with my kids.
Favorite place to visit and why:
My favorite place to visit that I have been to in my life was the Amazon jungle in Peru. The beauty of the Amazon jungle and the rain that came each day was amazing.
What I like most about helping people find the right Medicare plan options:
The thing I like most about helping people find a Medicare plan that would fit their needs is that I can help people save money and can do what is right for the customer.
Sports Team: Arizona Wildcats.
Medicare articles by Steven
Top 5 common causes of elderly hospitalization
According to the Healthcare Cost and Utilization Project (HCUP) five conditions causing senior hospitalization are: Congestive heart failure Pneumonia Coronary atherosclerosis Cardiac dysrhythmias Heart attack Most of these conditions... Read more
Should I get a Medicare Plan with a Low Premium and High Deductible?
Various Medicare options, including Medicare Advantage, Medicare Part D, and Medicare Supplement are offered by private insurance companies contracted with Medicare. These companies are free to set varying rates for the plans they offer within... Read more
Will Medicare Advantage Cover Dental Care?
According to the Centers for Disease Control and Prevention (CDC), seniors have special dental needs as they age. Nearly one third of Americans 65 and older have untreated dental cavities. Over 70 % of adults ages 65 and older have s periodontal disease,... Read more
Do I save more on prescription drugs with a Medicare Advantage plan or a stand-alone Medicare Prescription Drug Plan?
If you're enrolled in Original Medicare and need prescription drug coverage, you may be trying to decide whether to get your benefits through Medicare Advantage (also known as Medicare Part C) or a stand-alone Medicare Prescription Drug Plan (also known as... Read more
Does Medicare Cover Pancreatic Cancer?
The American Cancer Society estimates that: More than 55,000 Americans will be diagnosed with pancreatic cancer in 2018. More than 44,000 Americans will die of pancreatic cancer in 2018. About 3% of the cancers in the U.S. is pancreatic cancer.... Read more
Does Medicare cover Irritable Bowel Syndrome?
In the United States, there are between 25 and 45 million people who have irritable bowel syndrome, or IBS, according to the International Foundation for Functional Gastrointestinal Disorders, most of whom are women. If you have irritable bowel... Read more
Does Medicare Cover Oral Cancer?
About 50,000 Americans are diagnosed with oral cancer every year, reports the Oral Cancer Foundation. Around half of them survive for five years or longer. Because people might not have regular oral cancer screenings, this cancer is often detected late and at... Read more
Medicare Cost Plans Being Phased Out in Minnesota
Minnesotans on Medicare, you might want to know about a change affecting Medicare Cost Plans in your state. Medicare Cost Plans might not be available in Minnesota in 2019. Medicare Cost Plans in Minnesota: Why might they be discontinued? A Medicare Cost... Read more
Marijuana effects on your health
Marijuana refers to the dried leaves, flowers, stems and seeds of the Cannabis sativa or Cannabis indica plant, according to the National Institute on Drug Abuse. People consume marijuana through smoking it in cigarettes (joints) or water pipes (bongs),... Read more
6 Tips for Recovering from Surgery
How fast you recover from surgery depends on what kind of surgery you had and your overall health, according to the American Cancer Society. Learn more about recovering from surgery. Arrange transportation for an outpatient surgery Even with a... Read more
Preventing Bruises in Seniors
If you're a caretaker, you might notice occasional bruises on an elderly person's skin. If you're a senior, you might find you bruise easily, according to the National Institutes of Health. What are bruises in seniors and others? Bruises form when small... Read more
Does Medicare cover urinary catheters?
A urinary catheter is a tube that drains urine from the bladder, according to the U.S. National Library of Medicine. There are three types of urinary catheters for men and two types of urinary catheters for women. Both men and women may use an indwelling... 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
Understanding a Silent Heart Attack
What is a silent heart attack? A heart attack occurs when blood flow carrying oxygen to the heart is severely reduced or cut off completely, according to the American Heart Association (AHA). Every 40 seconds someone in the U.S. has a heart attack. A... Read more
Heart Disease in Women: Do Women Have a Higher Risk?
One out of every four. That's how many women are likely to die of heart disease, according to the Centers for Disease Control and Prevention (CDC). Here are some facts about heart disease in women: It's the leading cause of death for African American and... Read more
Does Medicare Cover Broken Heart Syndrome?
Broken heart syndrome might sound like an emotional condition, not a medical condition – but it's real, according to the National Institutes of Health (NIH). Let's explore Medicare coverage and broken heart syndrome. What is broken heart... Read more
How will Obamacare Repeal Affect Medicare?
With talk in the news about an Obamacare repeal, you may be wondering how that would affect Medicare. We don't have a crystal ball, but let's explore what news reports are saying about whether and how Medicare may be affected by a possible Obamacare... Read more
What is the Colon Cancer Survival Rate?
Colon cancer is often grouped with rectal cancer and referred to as colorectal cancer. Excluding skin cancers, colorectal cancer is the fourth most common cancer diagnosed in the United States, after breast, lung, and prostate cancer, according to the... Read more
What Is a Home Safety Assessment for the Elderly?
Particularly if you're an older adult who lives alone, a home safety assessment is an important way to identify potential hazards in your home. How a home safety assessment prevents injuries A home safety assessment is an evaluation of your home to identify... Read more
Does Medicare Cover Migraines?
What is a migraine? A migraine headache is a reoccurring attack of moderate to severe pain according to the U.S. National Library of Medicine (NLM). More than 1 in 10 Americans get migraines and women are more than three times more likely to get migraines... Read more
Does Medicare Cover Neuropathy?
If you've been diagnosed with neuropathy, learn more about this condition, including causes, risk factors, and how Medicare coverage works. What is neuropathy? According to the National Institutes of Health (NIH), "neuropathy" refers generally to damage to... Read more
Adjusting to Life after the Death of a Spouse
If you are a senior and mourning the death of a spouse, you're not alone. According to the U.S. Census Bureau, 48% of women age 65 and older and 14% of men are widows. But knowing the statistics doesn't make it any easier to figure out how to cope with... 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
Guide to Cancer Diagnosis: What to do Next
If you’ve just received a cancer diagnosis, you’re not alone. According to the National Cancer Institute (NIH), in 2016 an estimated 1.7 million new cases of cancer were diagnosed in the United States. More than 1/3 of men and women will receive a cancer... Read more
Does Medicare Cover Fertility Treatments
Approximately 10% of couples in the United States are defined as infertile based on the inability to conceive after 12 months of unprotected intercourse, according to U.S. National Library of Medicine. These couples may seek fertility treatments to help them... Read more
Does Medicare Cover Living Organ Donors?
Have you ever thought about becoming a living organ donor? Maybe a relative or friend needs a kidney or bone marrow, for example. Or perhaps you just want to "give back" to your community, or the world at large, by making your organs available for... Read more
How Does Obamacare Affect Medicare Supplement Insurance?
If you are a Medicare beneficiary or will be eligible for Medicare benefits soon, you may be wondering how a Medicare Supplement plan works in relation to Obamacare. Obamacare has little, if any, direct impact on Medicare Supplement plans. Do Obamacare... Read more
Caregiving Tips on Cultural Diversity: How to Care for Seniors with Different Cultures
If you are caring for a senior from a different culture, here are some caregiving tips to help you bridge the cultural gap. How can I adapt my caregiving role for seniors of different cultures? An article titled "21st Century Caregivers: Diversity in... Read more
Does Medicare Cover Falls?
When you're 65 or older, falls are something you might be concerned about. Did you know (according to the Centers for Disease Control and Prevention): More than one in four people over 65 fall every year? Once you fall, your chances of falling again... Read more
Does Medicare Cover Laxatives?
Generally Medicare does not cover over-the-counter medications, including laxatives that do not require a prescription. However, a Medicare Part D Prescription Drug Plan may cover laxatives prescribed by a doctor or other authorized health professional. What... Read more
Does Medicare Cover Chronic Granulomatous Disease?
Chronic granulomatous disease is a rare genetic disorder that affects roughly one in 200,000 to 250,000 individuals worldwide, according to data published in the U.S. National Library of Medicine Genetics Home Reference. If you are enrolled in Medicare and... 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
Does Medicare Cover Hormone Therapy for Menopause?
Menopause (also called “change of life”) is when a woman has her last menstrual period. According to the U.S. National Library of Medicine (NLM), the average age of menopause is 51. Menopause changes the balance of hormones in a woman’s body, which can... Read more
Can I Get Medicare Supplement if I’m Under 65 and Disabled in Colorado?
Are you a Coloradan hoping to get a Medicare Supplement plan if you’re under 65 years old and disabled? Although this isn’t possible in many states, it might be possible in Colorado if you meet certain requirements. Medicare Supplement if you’re under... 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
Does Mental Illness In Seniors Have a Cure?
Are you worried that an elderly loved one may be mentally ill? There may not always be a cure, but you might be able to find ways to manage mental illness in the elderly. Mental illness in seniors According to the Centers for Disease Control (CDC), about... Read more
Does Medicare Cover Gender Reassignment Surgery?
Individuals suffering from gender dysphoria may desire gender reassignment surgery. According to the American Psychiatric Association, gender dysphoria involves a conflict between a person’s physical or assigned gender and the gender he or she identifies... Read more
Does Medicare cover Fentanyl?
What is Fentanyl? Fentanyl is in a class of medications called narcotic (opiate) analgesics. It works by changing the way the brain and nervous system respond to pain, according to the U.S. National Library of Medicine. When is Fentanyl used? Doctors who... Read more
Does Medicare Cover Oxycontin?
What is OxyContin? OxyContin (generic name: oxycodone), is a medication that may be prescribed to relieve moderate to severe pain, such as after an injury or surgical procedure, reports the National Institutes of Health (NIH). OxyContin belongs to a class of... Read more
Steps That Might Lower the Risk of Dementia
According to the Alzheimer’s Association, dementia is a general term for a decline in mental ability severe enough to interfere with daily life. The Mayo Clinic reports symptoms of dementia including memory loss, difficulty communicating, confusion and... Read more
Obamacare vs. Medicare for People with Disabilities
You might be eligible for Medicare in some cases if you have a disability. But just because you can get Medicare coverage, does that mean you have to take it instead of a major medical health plan under Obamacare? That's what this article is all... Read more
Could You Lose Your Medicare Coverage If You Recover from End-Stage Renal Disease?
Medicare coverage may be available to people with end-stage renal disease even before they reach their 65th birthday. But what happens if you recover? Do you lose your Medicare coverage? According to the Centers for Medicare and Medicaid Services... Read more
Does Medicare Advantage Cover Overseas Travel?
Some people choose to get their Medicare Part A and Part B benefits through a Medicare Advantage plan. If that's you, and you love overseas travel, learn about your health benefits when you're abroad. The Medicare Advantage program (also known as Medicare... Read more
When Can I Cancel My Medicare Supplement plan?
You may have purchased a Medicare Supplement plan when you were first eligible because you know that Original Medicare has no out-of-pocket maximum and you were concerned about your out-of-pocket spending under Medicare. A Medicare Supplement (Medigap) plan... Read more
Survival Tips for Sandwich Generation Caregivers
If you're in your forties or fifties and caring for, or financially providing for, both children and an aging parent or parents, you could be called a member of the "sandwich generation." It can feel like a lonely place, but according to a study by the Pew... Read more
Does Medicare Pay for Durable Medical Equipment Repairs?
If you use durable medical equipment (DME) such as walkers, hospital beds and oxygen units, you might be wondering who's responsible for repairs and maintenance. The answer depends on the situation. But first, let's start with a little background about what... Read more
How Do I Qualify for Medicare?
If you're new to the health-care program, you may have questions about how to qualify for Medicare and when to sign up. There may be certain citizenship, residency, or age requirements that affect whether you qualify for Medicare. Here's how it works. How to... Read more
Does Medicare Cover the Cost of Elastic Bandages?
If you have a minor sprain or strain, elastic bandages may help in the recovery process by providing support for the injury and minimizing swelling. Elastic bandages can also be used to treat and prevent more serious conditions, such as venous leg... Read more
Tips for Lowering Your Out-of-Pocket Drug Costs
The first way to lower your out-of-pocket prescription drug costs may be to get a Medicare prescription drug plan. If you don’t have a prescription drug plan you may be paying 100% of your prescription drug costs out-of-pocket, as Medicare Part A and Part B... Read more
Do I Need a Medicare Advantage Plan?
Do I Need a Medicare Advantage Plan? By the end of 2016, according to a report from the Centers for Medicare & Medicaid Services (CMS), around 33% (or nearly 19 million) of Medicare beneficiaries were enrolled in Medicare Advantage plans or other... Read more
What if I Decide Not to Sign Up for a Medicare Prescription Drug Plan?
Since Medicare prescription drug coverage is optional, some people may decide not to sign up for a Medicare Prescription Drug Plan. But what happens if you need more prescription drugs as time goes on? Is it true that Original Medicare has no prescription... Read more
Under 65 with ALS: What Are Your Medicare Coverage Options
Amyotrophic Lateral Sclerosis (ALS) is also called Lou Gehrig’s disease after the baseball player who died of the condition in 1941. This 100% fatal disease can cause a person to lose the ability to eat, speak, move and breathe, according to the ALS... Read more
Medicare Late-Enrollment Penalties
Certain parts of Medicare may have late-enrollment penalties if you don’t sign up when you’re first eligible. These Medicare late-enrollment penalties may apply if you delay enrollment for Medicare Part A, Part B, and/or Part D. Usually, you’re... 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
How does Medicare work with other insurance?
Can you have both private insurance and Medicare? With more and more Americans over age 65 still working, coordination of benefits between Medicare and private insurance companies is fairly common. Over 9 million Americans over 65 were working as of January... Read more
Does Medicare Cover Chlamydia?
What is Chlamydia? Chlamydia is a common sexually transmitted disease, according to the Centers for Disease Control and Prevention (CDC). Chlamydia is often called an “STD” for “sexually transmitted disease,” or “STI” for “sexually transmitted... Read more
Medicare Supplement: The Basics
What is Medicare Supplement insurance? Medicare Supplement plans are offered by private insurance companies and can help cover out-of-pocket costs not covered by Original Medicare (Part A and Part B), such as coinsurance, copayments and deductibles. Keep in... Read more
What is Medicare Supplement Plan G?
Medicare Supplement Plan G, also called Medigap Plan G, is one of 10 standardized Medicare Supplement plans that may be available in most states. Medigap is optional insurance (available from private insurance companies) that works alongside Medicare Part A... Read more
What Can I do If My Medicare Plan Doesn’t Cover My Prescription Drug?
If you have Medicare Part D coverage for prescription drugs, either as a stand-alone Medicare Part D Prescription Drug Plan or through a Medicare Advantage plan with Part D prescription drug coverage, your plan might cover medications your doctor... Read more
How Much Money Could a Medicare Supplement Plan Save Me?
Figuring out how much money a Medicare Supplement plan might save you might take some work on your part, but in some cases you may find it makes economic sense for you to buy one. What is a Medicare Supplement plan? Medicare Supplement (also known as... Read more
Do I have to be enrolled in Original Medicare, Part A and Part B, to enroll in a Medicare Supplement Plan?
You must be enrolled in both Medicare Part A and Part B to enroll in a Medicare Supplement plan. According to the Kaiser Family Foundation, roughly 1 in 5 Medicare beneficiaries are enrolled in a Medicare Supplement plan. These plans, also known as... Read more
Medicare Advantage Special Needs Plans (SNPs)
A Medicare Advantage Special Needs Plan, also known as a SNP, is a Medicare Advantage plan that is exclusively designed for individuals with specialized health needs. Some of those needs include: A chronic or disabling health condition (e.g.,... Read more
Does Medicare Pay for Adult Day Care for Dementia Patients?
What is dementia? According to the Alzheimer’s Association, dementia is a general term for severe mental decline which interferes with daily life. Alzheimer’s is the most common type of dementia. Signs of Alzheimer’s and dementia could include poor... Read more
Can I get a Medicare Supplement plan if I have a Medicare Medical Savings Account (MSA)?
In a word: no. You can't buy a Medicare Supplement (Medigap) plan if you have a Medicare Medical Savings Account (MSA). However, if you had a Medicare Supplement plan before you signed-up for your Medicare MSA, you may keep your Medicare Supplement plan. If... Read more
Insomnia: The Caregiver’s Role
According to the American Psychological Association, almost half of all older adults suffer from insomnia. Whether insomnia manifests as trouble falling asleep or difficulty staying asleep through the night, the health effects are the same. According to... Read more
Does Medicare Cover Sinemet?
The brand-name prescription Sinemet also may get prescribed as a generic medicine called carbidopa and levodopa and is used to treat Parkinson’s disease. Original Medicare Part A and Part B only covers prescriptions in specific instances. You may need a... Read more
Does Medicare cover Mammograms?
Mammograms are specialized x-rays of the breast tissue that detect breast cancer in women who may not have any other signs or symptoms of the disease according to the National Institute of Health (NIH) Library of Medicine. There are two types of mammograms... Read more
Does Medicare Cover Dialysis?
If you are enrolled in Original Medicare (Part A and Part B) and have end-stage renal disease (ESRD), Medicare may cover dialysis treatment you get as an inpatient in the hospital. Medicare may also cover routine, outpatient dialysis treatment at a... Read more
Does Medicare Cover Counseling?
According to the National Institute of Health's National Institute of Mental Health, almost 18% of all adults in the United States suffer from some type of mental or emotional disorder such as depression or anxiety. If you are enrolled in Original Medicare... Read more
Does Medicare Cover Cataract Surgery?
Cataracts are strongly linked to aging, and many people develop them in one or both eyes as they get older. In fact, according to the National Eye Institute, half of all Americans will either develop a cataract or have had cataract surgery by age 80. If... Read more
Alzheimer’s Disease – Dementia and Medicare Coverage
Alzheimer's disease is the most common form of dementia, involving the parts of the brain that control thought, memory, and language, according to the Centers for Disease Control and Prevention (CDC). If you've come across this article, you may be... 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 Horizon Blue Cross Blue Shield of New Jersey Offer?
Horizon Blue Cross Blue Shield of New Jersey offers Medicare Advantage plans, Medicare Supplement (Medigap) plans, Medicare + Medicaid (HMO SNP) and stand-alone Medicare Part D Prescription Drug Plans to eligible Medicare beneficiaries in New Jersey.... Read more
Does Medicare Cover Pravachol?
You might receive a prescription for a medicine called Pravachol from your doctor. This is the brand name for a generic prescription drug pravastatin, used to reduce to the risk of heart attack and stroke, according to the National Institute of Health (NIH)... Read more
Does Medicare Cover Hyzaar?
Hyzaar is used to treat high blood pressure (hypertension) and reduce the risk of stroke, according to the U.S. National Library of Medicine. In most cases, Medicare does not cover Hyzaar, unless you have stand-alone Medicare Part D prescription drug coverage... Read more
What Is Obesity?
According to the Centers for Disease Control (CDC), over one-third of all adults in America are obese; obesity is a major contributor to the leading causes of preventable death. Obesity is most prevalent among those ages 40 and older, and of those ages... Read more
How Can I Find a Doctor That Takes My Medicare Advantage Plan?
If you've chosen to get your Original Medicare (Part A and Part B) benefits through a Medicare Advantage plan, you may want to find a doctor who accepts your Medicare Advantage plan. To get the most of your plan benefits and to keep your costs low, you might... Read more
What is a Medicare Cost Plan?
Medicare Cost Plans are not available in all parts of the country, but if you live in one of the areas where these plans are offered, here's what you might want to know. Medicare Cost Plans are similar to Medicare Advantage plans in some ways, but are... Read more
What’s not covered under Medicare Part A and Part B?
If you're a new Medicare enrollee or about to become eligible, you may have questions about what's included in your benefits—and more importantly, what's not. Here's a look at your coverage under the Medicare program. What do I get with Original... Read more
How to file for Medicare appeals
If you’re a Medicare beneficiary, you have the right to file a Medicare appeal of a decision made about your coverage. You also have other rights under the program, which include the right to file a grievance. Here’s what you need to know about the... Read more
How do I file an appeal if my prescription medication isn’t covered by my Medicare health plan?
Under the Medicare program, you may purchase coverage for prescription medications in one of two ways: through a Medicare Advantage Prescription Drug plan, or through a stand-alone Medicare Part D Prescription Drug Plan to go alongside your Original Medicare... Read more
What Is Diabetic Neuropathy?
If you have diabetes, you may be at risk for developing diabetic neuropathy, according to the National Institutes of Health (NIH). Diabetic neuropathy is a type of nerve damage that most often affects the legs and feet, although it can occur anywhere in the... Read more
How to Find Local Services for Seniors
If you're enrolled in Medicare, many of your health-care costs are usually covered as part of your hospital and medical benefits. But sometimes, you may need help recovering from an illness or injury, or even coping with the issues of day-to-day life when you... Read more
Caring for Someone with Incontinence: Emotional and Social Issues
Let's start with a definition of incontinence. According to the National Institute on Aging, incontinence is the condition of being unable to control one's bladder and/or bowels. If you're a caregiver, read on to learn more about incontinence and some... Read more
Downsizing a Home: A Checklist for Caregivers
Moving is often stressful, no matter your age or the reason for relocating. When it comes to senior downsizing, however, the job may be more challenging, especially if downsizing is due to death, illness, or loss of independence. First, it's important... Read more
Do Medicare Supplement (Medigap) plans cover foreign travel?
Does Medicare offer international coverage? If you're looking forward to traveling abroad in your retirement, you may be wondering if your Medicare coverage will take care of health-care needs you may have while in a foreign country. Original Medicare... Read more
Does Medicare Cover Home Health Aides?
Are you enrolled in the Medicare program? In some cases, Medicare may help you pay for the services of home health aides. Typically this coverage is limited, part-time, and short-term. Whether you get your Medicare benefits directly through the federal... Read more
Does Medicare Cover Hospital Visits?
Original Medicare is a federal health insurance program managed by the Centers for Medicare & Medicaid Services (CMS). It provides health-care benefits for American citizens and permanent legal residents (of at least five years in a row) aged 65 or older.... Read more
What Are Diabetic Shoes?
People with diabetes sometimes develop problems with their feet, according to the Centers for Disease Control (CDC). Medicare may cover therapeutic shoes for diabetics (sometimes called diabetic shoes) with severe diabetic foot disease. Why are diabetic... Read more
What is Physical Therapy for Seniors?
A licensed medical professional, called a physical therapist, uses non-invasive and drug-free techniques to treat patients with a variety of different medical conditions, according to the American Physical Therapy Association. Doctors may prescribe physical... Read more
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
Mild Cognitive Impairment (MCI)
Many people may feel that forgetfulness is just a normal part of getting older—misplacing keys or forgetting a name or an appointment can happen to anyone. Sometimes, however, memory loss becomes more frequent or troublesome, possibly even causing concern... 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
Money Management: What Caregivers Should Know
If you are caring for an elderly parent or family member—or expect to assume caregiver responsibility in the near future—money management is one of those topics that invariably comes up. Unfortunately, it's also invariably fraught with stress, whether... Read more
Caregiver Support: Benefits Counseling for Seniors
If you're like many people, you may not be aware of all the federal, state, and local government benefits and community support services that are available, especially to seniors and those with disabilities or low incomes. You or your loved one can get... Read more
Safely Keeping Track of Medications for the Elderly
The elderly population often take many medications (typically prescription drugs, but also over-the-counter medications and supplements) as a part of their overall health care. According to the Centers for Disease Control and Prevention (CDC), people who are... Read more
What is Sleep Apnea: Overview, Symptoms, and Medicare Coverage
According to the National Heart, Lung, and Blood Institute (NHLBI), sleep apnea is a common disorder that affects about 12 to 18 million Americans. According to the NHLBI, about half of all sleep apnea sufferers are overweight, and more men than women... Read more
Does Medicare Cover Diabetic Foot Exams or Podiatry Services?
If you have been diagnosed with diabetes and are enrolled in Original Medicare (Part A and Part B), you may be eligible for coverage of regular foot exams and diabetic foot care, subject to certain requirements. Read on to learn more about your benefits. Why... Read more
What Is End-Stage Chronic Obstructive Pulmonary Disease (COPD)?
According to the National Institutes of Health (NIH), about 12 million adults in the United States are diagnosed with chronic obstructive pulmonary disease (COPD), and severe COPD can limit a person's ability to do routine activities. The Centers for... Read more
Does Medicare Cover Smoking Cessation Treatments?
According to the Centers for Disease Control and Prevention (CDC), people who stop smoking greatly reduce their risk for smoking-related diseases and early death. Smoking cessation is beneficial at any age, according to the CDC. Medicare will cover up to... Read more
What Medical Supplies Does Medicare Cover?
If you live at home and need medical equipment and supplies, Original Medicare (Part A and Part B) may cover some of your costs. Under Medicare, some home-care items fall under the category of Durable Medical Equipment, or DME. To qualify for coverage, your... Read more
Does Medicare Cover Prosthetic Devices?
There are many types of prosthetic devices and supplies your doctor may prescribe for you depending on your medical condition. The good news, if you are enrolled in Medicare Part B, is that allowable charges for many prosthetic devices are covered -... Read more
What Is Zostavax?
Zostavax is the brand name of a vaccine used to prevent herpes zoster, also called shingles, in adults ages 50 and older, according to the U.S. Food and Drug Administration (FDA). The National Institutes of Health (NIH) states that this single-dose Zostavax... 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
Ovarian Cancer: Signs, Symptoms, Risk Factors, and Treatment
Ovarian cancer starts in the ovaries, the female reproductive glands that produce eggs and the hormones estrogen and progesterone. This type of cancer is frequently not detected until it has spread, or metastasized, to other organs in the abdomen and pelvis;... Read more
Assistive Technology: An Overview for Caregivers
If you're caring for a loved one, you may have heard a doctor or therapist recommend assistive technology for day-to-day activities. Assistive technology devices, also called adaptive devices, can make a world of difference for both you as a caregiver and... Read more
Does Medicare Cover Glaucoma?
Medicare covers treatment of glaucoma as well as a glaucoma test to screen for the condition. According to the National Institute of Health's National Eye Institute (NEI), glaucoma is a type of eye disease that may damage the optic nerve and cause vision... Read more
What Is Hepatitis B?
According to the Centers for Disease Control, the word "hepatitis" means "inflammation of the liver.” Hepatitis can be caused by many things, including alcohol abuse, drug toxicity, and certain viral infections. Hepatitis B--along with hepatitis A... Read more
What Medicare Supplement Plans Does UnitedHealthcare Offer?
What is a Medicare Supplement plan? As the name suggests, Medicare Supplement insurance, also known as Medigap, supplements your Original Medicare benefits by paying for all or part of your share of certain Part A and Part B health-care expenses. Depending... Read more
What Types of Medicare Part D Coverage Does UnitedHealthcare Offer?
If you’re a Medicare beneficiary who currently takes prescription medications, you may be wondering if Medicare helps with your prescription drug costs. Prescription drug coverage is available under the Medicare Part D program, and depending on how you get... Read more
Is a UnitedHealthcare Medicare Advantage Prescription Drug Plan the Same as a Standalone Medicare Prescription Drug Plan?
If you are comparing UnitedHealthcare Medicare Advantage plans and you want Part D prescription drug coverage, you may have questions about the difference between a UnitedHealthcare Medicare Advantage plan with prescription drug coverage, also called... Read more
Is a WellCare Medicare Advantage Prescription Drug Plan the Same as a Standalone Medicare Prescription Drug Plan?
If you're just starting to learn more about Medicare prescription drug coverage (Part D), you may be wondering what your options are and what the difference is between a Medicare Advantage Prescription Drug plan and a stand-alone Medicare Prescription Drug... Read more
How to Appoint a Personal Representative for Your WellCare Medicare Plan
You have rights about the care and treatment you receive under the Medicare program. If you are enrolled in a WellCare Medicare Advantage plan or a stand-alone WellCare Medicare Part D Prescription Drug Plan, your rights include (but aren't limited... Read more
What Medicare Plans Does Coventry Offer?
Whether you're new to Medicare or have had Medicare coverage for awhile, you may have questions about Coventry Medicare plans and what your options are as a beneficiary. Most people first enroll in Original Medicare, Part A and Part B, when they first... Read more
New to Coventry Medicare? Here’s What You Need to Know
If you've recently enrolled in a Coventry Medicare Advantage plan or Coventry Medicare Part D Prescription Drug Plan, you may have questions about what happens next and where to go to find information about your coverage. Here are some useful tips to help... Read more
How Can I Find Healthcare Providers That Accept Coventry Medicare Plans?
If you are enrolled in certain types of Coventry Medicare plans -- such as Coventry Medicare Advantage Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), or Coventry Medicare Part D Prescription Drug Plans, you may need... Read more
New to Medicare with Humana? Here’s What You Need to Know
If you've recently applied for a Medicare Advantage or a stand-alone Medicare Prescription Drug Plan from Humana, you may have questions about the enrollment process and what you can expect going forward. This article will tell you what happens next and... Read more
Is an Aetna Medicare Advantage Prescription Drug Plan the Same as a Medicare Prescription Drug Plan?
The Medicare program has several components: Part A (hospital insurance), Part B (medical insurance), Part C (Medicare Advantage) and Part D (prescription drug coverage). Original Medicare includes Part A and Part B, while Aetna Medicare Advantage plans... Read more
Review Your Medicare Coverage Each Year (Infographic)
For many beneficiaries, after you first enroll in a private Medicare insurance plan such as a Medicare Advantage plan or a stand-alone Medicare Prescription Drug Plan, you may not think about it again. If you're happy with the benefits, you might ignore the... Read more
Medicare Medication Therapy Management Programs
Many Medicare beneficiaries take more than one medication to treat several health conditions. It can get understandably confusing and difficult to keep track of all your prescription drugs. If you have more than one chronic condition and take multiple... 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 Premiums and Deductibles for 2018
As a Medicare beneficiary, you may need to pay certain out-of-pocket costs, such as premiums, deductibles, copayments and/or coinsurance. These costs are generally standardized for covered services under Original Medicare, Part A and Part B. If you’re... Read more
Medicare Part D (Prescription Drug Plan) Benefits Overview for 2018
The Medicare Part D program authorizes Medicare-approved private insurance companies to provide prescription drug coverage. You must have Part A or Part B to join a Medicare Prescription Drug Plan. You can get this coverage in the form of a Medicare Advantage... Read more
Vision Care for Seniors: What’s Covered
According to the Centers for Disease Control and Prevention (CDC), the prevalence of blindness and vision impairment increases rapidly with age among all racial and ethnic groups. The problems are the worst among people older than 75. Vision impairment could... Read more
Can I Laminate My Medicare Card?
It’s very important to keep your Medicare card safe and in good condition. Your wallet may be a good place to keep it because you can then have it with you at doctor visits. But do safeguard it, as you would an identity document or credit card. The... Read more
Medicare and Funeral Expenses
Are you planning ahead and need to know if you can deduct funeral expenses from your taxes? Funeral expenses, burial expenses, and death benefits aren’t typically part of Medicare coverage. However, there’s a type of Medicare Advantage plan called a... Read more
Does Medicare Cover Ultram?
What is Ultram? Ultram (generic tramadol) is an opiate analgesic used to relieve moderate to moderately severe pain, according to U.S. National Library of Medicine. Ultram works by changing the way the brain responds to pain. Ultram may come as an... Read more
Does Medicare Cover Urology?
Are you wondering what urology is and whether urologic services are covered by Medicare? By definition, urology involves conditions of the urinary and male reproductive systems. If you're a Medicare beneficiary with a urologic condition and need to see a... Read more
Medicare Card Replacement
Your Medicare card is one of the most important documents you own because it can help confirm that you have Medicare coverage. If your Medicare card is lost or stolen, you can request a replacement card through Social Security Administration (SSA) or, if... Read more
Does Medicare Cover Toprol-XL?
According to the Centers for Disease Control and Prevention (CDC) about 1 in 3 U.S. adults have high blood pressure. This common condition can increase the risk of heart attack and stroke, which are two leading causes of death in the United States. To control... Read more
Does Medicare Cover Amaryl?
If you have type 2 diabetes, your doctor may prescribe Amaryl (generic name glimepiride) to help you control your blood sugar, according to the National Institutes of Health's Medline Plus website. Glimepiride is usually used in combination with diet,... Read more
Does Medicare Cover Apresoline?
Apresoline (the generic form is called hydralazine) is a vasodilator, a class of drug often used to treat high blood pressure and occasionally heart failure, according to the National Institutes of Health's Medline Plus website. Apresoline works by relaxing... Read more
Medicare Power of Attorney for a Friend or Family Member
If you think it's time to set up power of attorney for yourself or a loved one, here's some background information that you may find useful. If you’re a caregiver for a Medicare beneficiary, you may not realize that you can’t make health-care decisions... Read more
Medicare and Viagra
Original Medicare, Part A and Part B, provides limited coverage of prescription drugs. Some drugs, like Viagra, aren't covered by Original Medicare. If you would like coverage for your medications, you can enroll in a Medicare Advantage Prescription Drug... Read more
How Medicare Benefits Are Activated
You may qualify to be automatically enrolled for your Medicare benefits at age 65 if you meet certain requirements. For example, if you're receiving Social Security or Railroad Retirement Board retirement benefits before you turn 65, you'll be automatically... Read more
How Do I Report Original Medicare Fraud?
The Centers for Medicare & Medicaid Services (CMS) reports that Medicare fraud and abuse can cost taxpayers billions of dollars and put the health of Medicare beneficiaries at risk. What is Medicare fraud? According to CMS, there are different types of... Read more
Does Medicare Cover Geodon?
Generally, Geodon, the brand-name formulation of the generic drug ziprasidone, is not covered by Medicare, unless you are enrolled in a Medicare plan that includes prescription drug coverage. Geodon is used to treat schizophrenia and certain other... Read more
I’m Turning 65, What Do I Need to Do?
For most people, turning 65 means you're eligible for Original Medicare, Part A and Part B. This federal program provides hospital insurance and some medical insurance to older Americans and those under 65 with certain disabilities. At this time, you may... Read more
Does Medicare Cover Cordarone?
Cordarone is the brand name for the prescription drug amiodarone, which is used to treat certain types of potentially life-threatening irregular heart rates (ventricular arrhythmias), according to the National Institutes of Health's Medline Plus website. ... Read more
Medicare Coverage and Basics Overview
If you’re just about to become eligible for Medicare, you may be wondering how your Medicare coverage works and what benefits are included. Medicare is a federal health insurance program, managed by the Centers for Medicare & Medicaid Services, for... Read more
Medicare and the Affordable Care Act
The Affordable Care Act (ACA), also known as Obamacare, has had an impact on the Medicare program. Early-detection cancer screenings, such as mammograms and colonoscopies, are now covered under Medicare Part B with no out-of-pocket charges if your doctor... Read more
Pros and Cons of Delaying Medicare Part B Enrollment
Medicare-eligible individuals should be aware of both the potential penalties and lower savings from delaying enrollment in Medicare Part B (medical insurance). Many individuals qualify for premium-free Medicare Part A (hospital insurance), provided that... Read more
What “Medically Necessary” Means and How It Affects Your Medicare Coverage
Medicare normally covers services deemed medically necessary. According to Medicare.gov, “medically necessary” is defined as "health-care services or supplies needed to prevent, diagnose, or treat an illness, injury, condition, disease, or its symptoms... Read more
Medicare in Iowa
Are you shopping for Medicare in Iowa? As a Medicare beneficiary, you may have many Medicare plan options available in your state, depending on where you live. Learn about the different types of Medicare coverage, including Original Medicare, Medicare... Read more
Medicare in Minnesota
Medicare beneficiaries in Minnesota may have access to several Medicare choices, from Original Medicare, Part A and Part B, to plans such as Medicare Advantage, Medicare Part D, and Medicare Supplement insurance, offered by private insurance companies that... Read more
Medicare in Montana
If you’re a Medicare beneficiary in Montana, you may not realize you have multiple options when it comes to how you get your Medicare benefits. Some people choose to get their coverage through the federally run program, Original Medicare, Part A and Part B,... 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 Tennessee
When looking to join a Medicare plan in Tennessee, you may want to explore every possible option. Let Medicare.com be your resource for plan comparisons. With us, you can browse Medicare Advantage, Medicare Part D, and Medicare Supplement insurance plans in... 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 Washington
When shopping for a Medicare plan in Washington, Medicare.com can assist you with finding the plan that best suits your needs. About Medicare in Washington Medicare is a federal program that provides health insurance for United States citizens and permanent... Read more
Medicare in Wyoming
Looking for Medicare coverage in Wyoming? As a Medicare beneficiary, you may have several options when it comes to your Medicare coverage. Your choices may include the government-run program and Medicare plans, including prescription drug coverage and... Read more
Qualifying for Extra Help with Medicare Part D Costs
If you’re one of many beneficiaries who takes prescription drugs, you know that even if you have Medicare Part D prescription drug coverage, there are usually still out-of-pocket costs you’re responsible for. Prescription costs like copayments,... Read more
Eligibility for Medicare Supplement (Medigap) Plans
Are you thinking about getting a Medicare Supplement plan, also known as Medigap? You might already be aware that this insurance can pay for some of your Original Medicare (Part A and Part B) costs, but may be wondering when you’re eligible for this... Read more
Putting Medigap on Hold When You’re Under 65
If you’re not yet 65 but are enrolled in Medicare, and you have a Medicare Supplement (Medigap) plan, you may be able to temporarily leave your Medigap plan. Some people may qualify for Medicare before 65 if they get disability benefits for 24 months or... Read more
Drugs Covered by Medicare Part D Prescription Drug Plans
In general, Medicare Part D prescription drug plans cover many drugs that are: Available only by prescription Used for a medically accepted condition Approved by the FDA Sold and used in the United States Not covered under Original Medicare, Part... Read more
Customer reviews of Steven
Wide comprehension of all medical insurance issues and grasp of my personal needs. Thank you, Steve
Anonymous, Allegan, MI
It was a pleasant telephone experience I had with Steven., He answered all my questions in a friendly professional manner.He answered all the answers to many questions.
Anonymous, Saint Augustine, FL
Steven was very polite and helpful even when I interrupted him various times to ask questions. He took the time to answer and was never rude or frustrated with me.
Anonymous, Moundsville, WV
Inniss G, Margape, FL
I had spoken with other companies' representatives who did not take the time to explain the different plans as Stephen did to me. He explained a selection of plans and let me select what plan I thought was best for me. He made me feel comfortable asking questions and explained things so I could understand them.
Anne B, Cordova, TN
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