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I am a well-rounded individual who loves to work hard so that I can play hard. I love to travel the world and learn about different cultures. My husband and I have a Harley, and we ride as often as we can. When I am not working at eHealth Insurance or playing, I manage several rental properties. My husband and I have been married going on 5 years and I was blessed with two daughters that he brought to the marriage. Together we adopted two cats, Jose and Fatty.
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I am a Denver Broncos Fan. I love animals. My favorite musician is Michael Buble. In my spare time you will find me riding Harley or traveling the world with my husband.
Medicare articles by Tamera
Does Medicare Cover Fibromyalgia?
Do you find that you have painful, tender places on your body? Are you tired almost all the time? It's possible that you have fibromyalgia. What is fibromyalgia? Fibromyalgia is a health condition that may result in fatigue and pain all over your body,... Read more
Asthma in Seniors
Asthma isn't just a disease for young people. According to an article published by the National Institutes of Health, asthma affects about 10% of seniors age 65 and over, and it has the highest mortality rate in those over age 55. In fact, seniors with... Read more
Does Medicare Cover Wart Removal?
Medicare coverage is based on medical necessity. If your doctor feels that it’s medically necessary for you to receive treatment for wart removal, Medicare may cover this wart treatment. However, if the wart treatment is largely cosmetic, Medicare may not... Read more
Can Gum Disease Lead to Cancer in Senior Women?
A recent study suggests gum disease may be linked to a higher risk of cancer in older women. Possible link between gum disease and cancer A recent study published in Cancer Epidemiology, Biomarkers, & Prevention suggests that older women with gum... Read more
Does Medicare Cover Air Purifiers?
If you suffer from allergies or have severe respiratory issues, you may be wondering if using an air purifier at home might help. Air purifiers are devices that may help remove certain types of indoor air pollution. Learn more how air purifiers work and... Read more
Does Medicare cover COPD?
According to the National Heart, Lung, and Blood Institute (NHLBI), chronic obstructive pulmonary disease (COPD) is a disease that makes it harder to breathe and gets worse over time. Smoking is the number one cause of COPD. According to the Centers for... Read more
Lifelong Learning for Seniors
If you're retired, that doesn't mean you can't still exercise your mind. Lifelong learning can have great benefits for seniors, according to the National Institutes of Health (NIH). The Stanford Center on Longevity reports that seniors in the United States... Read more
How does TRICARE work with Medicare?
What is TRICARE? TRICARE is a health program for active duty and retired members of the Uniformed Services and the National Guard, their families and survivors, as well as Medal of Honor recipients and their families. TRICARE offers health coverage with... Read more
Does Medicare Cover Wigs for Cancer Patients?
If you’re diagnosed with cancer, part of your treatment may involve chemotherapy, or prescription drugs designed to kill cancer cells. According to the Mayo Clinic, chemotherapy drugs attack rapidly growing cells in the body, including both cancer cells and... Read more
Does Medicare Cover Asthma Inhalers?
If you have asthma, you have a lot of company. More than 18 million people – about 7.6% of adults – have asthma, according to the Centers for Disease Control. You may be wondering if Medicare covers asthma inhalers. Here's some information for... Read more
What Extra Benefits Can Medicare Advantage Offer?
If you're a new Medicare beneficiary, or someone considering making a switch during open enrollment, you may be considering a Medicare Advantage plan. Medicare Advantage, also known as Medicare Part C, is simply an alternate way of getting your benefits... Read more
Can I Get Medicare Supplement if I’m Under 65 and Disabled in Connecticut?
Yes, you might be able to buy a Medicare Supplement plan if you’re under 65 and disabled in Connecticut. Medicare Supplement when you’re under 65 and disabled in Connecticut Usually, both the federal Medicare program and Medicare Supplement insurance is... Read more
Does Medicare Cover Meals on Wheels?
Meals on Wheels is a nationwide meal delivery service for seniors, with more than 5,000 programs operating across the country. Learn more about how Meals on Wheels works and whether Medicare covers this program. Older adults may have trouble getting enough... Read more
Tip for Caregivers: Confusion isn’t Always Dementia
When you care for an older person, it's not always easy to differentiate between different changes in behavior and understand what they mean. This is especially true when it comes to knowing the difference between confusion and dementia. Here are some tips... Read more
How to Spot Signs of a Stroke: Tips for Caregivers
According to the Centers for Disease Control (CDC), strokes are responsible for 5% of deaths in the U.S., more than 140,000 each year. If you’re a caregiver and you know the early signs of stroke, you may be able to save your loved one's life or prevent... Read more
What Does Medicare Cover?
If you're wondering "what does Medicare cover?" we hope this article sums it up for you. We'll talk about Medicare Part A, Part B, Part C, and Part D and what each part covers. Here's a quick overview of Medicare and what it covers. Original Medicare is... Read more
Caregiving for Cancer Patients
How can I help a family member with cancer? The kind of care a cancer patient needs depends largely on the stage of cancer he has. According to the National Cancer Institute, cancer’s progress can be divided into five stages. Stage 0 cancer means abnormal... Read more
Does Medicare Cover Patient Lifts?
If you're a Medicare beneficiary who's confined to a bed because of a medical condition, such as a stroke, you may need a patient lift to help you get around your home and perform everyday tasks. Patient lifts can be expensive if you're paying out of... Read more
How to Pick the Best Medicare Advantage Plan for You
If you’ve decided that a Medicare Advantage plan is best for you, you’re one of more than 20 million who have made a similar decision, according to the Centers for Medicare and Medicaid services in 2017. With Medicare Advantage (Part C) you don’t have... Read more
Can I get an STD if I’m over 65?
What is an STD? Sexually transmitted diseases, also called STDs, sexually transmitted infections, STIs, or venereal disease, are passed from one person to another through sexual contact, according the National Institute of Health (NIH). STDs are caused by... Read more
Medicare Advantage for Disabled Individuals
Are you wondering about Medicare benefits for disabled people? Are you considering a Medicare Advantage plan? It might help to know that if you receive Social Security or Railroad Retirement Board disability benefits: You might be eligible for a Medicare... Read more
Is Medicare Supplement Plan F Going Away?
What is Medicare Supplement Plan F? After enrolling in Original Medicare (Part A and Part B) many Americans choose to also enroll in a Medicare Supplement plan (also called Medigap) to help cover Medicare's out-of-pocket costs such as coinsurance,... Read more
Will My Medicare Premium Rise If I Get Sick?
Your monthly premium for Original Medicare (Part A and Part B) is set each year by the Center for Medicare and Medicaid Services (CMS). Original Medicare premiums are standardized, and the amount you pay depends on several factors including your income, but... Read more
How much does a Medicare Supplement plan cost?
Perhaps you are considering supplementing your Medicare Part A and Part B coverage with other insurance that can help you pay out-of-pocket Medicare costs. It may be a good idea to learn about Medicare Supplement plans and how much they cost. Medicare... Read more
How do private health insurance companies price their Medicare Supplement premiums?
If you're shopping for a Medicare Supplement plan, you've probably noticed there may be significant differences in Medicare Supplement premiums. There are several factors that can affect how private health insurance companies price their policies, even for... Read more
How to Help Your Spouse Enroll in Medicare
If your spouse needs assistance with Medicare enrollment, there are different ways you may be able to help. If your spouse is disabled, you may have authorization such as power of attorney, which will give you the authority to act on his or her behalf.... Read more
Finding a Nursing Home that Accepts Medicare
Medicare.gov provides several tools and suggestions to help you find a nursing home that accepts Medicare in your area. If you are looking for a nursing home for yourself or a loved one, here are some ways to get started finding the right one for your... Read more
The Caregiving Role: A Meaningful Quality of Life
If caregiving for a chronically-ill loved one is one of your roles, it can be difficult to maintain a healthy quality of life. It's easy to become so immersed in the caregiver role that you forget to take care of yourself. Caregiving can be both... Read more
Does Medicare Cover Incontinence Supplies?
If you or a loved one suffers from urinary incontinence, you may need incontinence supplies such as pads or adult diapers to stay clean and comfortable. Unfortunately, if you are enrolled in Original Medicare (Part A and Part B), these incontinence... Read more
Does Medicare Cover Chemotherapy?
According to the National Institutes of Health's National Cancer Institute (NCI), 38.5% of all men and women in the United States will be diagnosed with cancer during their lifetimes. The median age at diagnosis is 66. Nearly 1.7 million new cases of cancer... Read more
Does Medicare Cover Reglan?
Original Medicare, which includes Part A and Part B, may only cover Reglan under very specific circumstances listed below. In general, you need to sign up for a Medicare Prescription Drug Plan that includes Reglan in its formulary in order to get this... Read more
Does Medicare Cover Lotensin?
Lotensin is used to treat high blood pressure; it is sometimes used with other prescription medications as combination therapy for certain types of hypertension (high blood pressure), according to the National Institutes of Health (NIH). Lowering blood... Read more
High Blood Pressure Overview: Symptoms, Causes, Prevention, and Treatment
What is high blood pressure? According to the National Institutes of Health (NIH), high blood pressure, or hypertension, is a common disease in which the blood flows through the arteries at a higher pressure (the force of blood pressing against blood-vessel... Read more
New to Medicare: How to plan for Medicare
If you or a loved one are new to Medicare or approaching Medicare eligibility, you may have questions about how the program works, what's covered, the costs involved, and your benefit options. Here's a look at how to plan for Medicare and your health-care... Read more
Does Medicare Cover Assisted Living?
If you or a loved one needs help managing the activities of daily life, you may be considering assisted living facilities as an option. Here's what you need to know about Medicare coverage for assisted living. What is assisted living? According to... Read more
Medicare Coverage of Stage 4 Lung Cancer
When your doctor talks about your cancer's stage, he or she is generally referring to details such as the size of the cancer and how far it has spread, according to the American Cancer Society. To a large degree, your treatment options and prognosis... Read more
The Emotional Side of Caregiving
It's easy to be overwhelmed with emotions when you are caregiving for a seriously ill or injured family member. In fact, the Office on Women's Health at the Department of Health and Human Services warns that women caregivers are at increased risk for health... Read more
Does Medicare Cover Humidifiers?
If you have problems with a dry throat or chronic congestion in your nose, your doctor may recommend you use a humidifier at home to help alleviate some of your symptoms that may be caused by dry air. Even though your doctor might recommend a home... Read more
How Do I Change My Address with Medicare?
If you're enrolled in Medicare, you need to let Medicare know if your address changes. In addition to receiving your red, white, and blue Medicare ID card in the mail, you'll also receive other important information, such as your quarterly Medicare Summary... Read more
What Are Orthotics?
If you're a Medicare beneficiary who needs support to help you stand or walk comfortably, Medicare might cover orthotic devices to help support you, such as braces or shoes, in some situations. For example, Medicare Part B may cover orthopedic shoes... Read more
Caregiving Issues for a Multi-Generational Family
Almost 49 million Americans care for adults; about two-thirds of these caregivers are women. Over a third of caregivers are caring for parents; most (86%) are caring for relatives (including parents). Almost 13 million Americans are caring for both children... Read more
Is this Dementia and What Does it Mean?
Dementia is a word that gets mentioned a lot when people discuss aging and behavioral or memory changes. According to the Alzheimer's Association, Alzheimer's disease attacks the brain and is the most common form of dementia, which is a general term for a... Read more
What Is Oxygen Therapy?
Your doctor may prescribe oxygen therapy if you have a condition that affects your body's ability to get enough oxygen from the air to function properly. Here's what you should know about oxygen therapy for yourself or a loved one. When is oxygen... Read more
What Is Rheumatoid Arthritis?
Rheumatoid arthritis (also known as RA) is an inflammatory disease that can cause pain, swelling, and stiffness of the joints. In most cases, RA is chronic and can last for a long time, even an entire lifetime. However, advances in treatment have made it... Read more
Depression Treatment Options
Clinical depression, also called major depressive disorder, is a mood disorder that causes a variety of physical and emotional problems. People who suffer from depression don't just feel sad or have "the blues," and they can't just "snap out of it."... Read more
Does Medicare Cover Bone Density Tests?
You may have heard about bone density tests, but what is a bone density test and why would you need it? A bone density test can serve as a warning that you're at risk for osteoporosis, or that you already have this disease. Osteoporosis is a disease that... Read more
Medicare Coverage of Glucose Monitors
What are glucose monitors used for? If you have been diagnosed with diabetes, a glucose monitor can help you manage your disease and prevent complications, according to the National Institutes of Health (NIH). A glucose monitor measures your blood... Read more
Does Medicare Cover Walkers?
Has your doctor or other health-care practitioner recommended you use a walker or other device to help you move around? If you are a Medicare beneficiary enrolled in Original Medicare (Part A and Part B), your Part B benefits may help with some of the costs... Read more
What Medicare Supplement Plans Does Blue Shield of California Offer?
Are you enrolled in Original Medicare, Part A and Part B? You might have noticed that the program comes with certain out-of-pocket costs for many services – deductibles, copayments, and coinsurance, for example. To help cover these costs, you may be able to... Read more
How to Appoint a Personal Representative for Your UnitedHealthcare Medicare Plan
There may be times when you or a loved one needs help managing Medicare benefits under a UnitedHealthcare Medicare health plan or Medicare Part D Prescription Drug Plan. Occasionally, you may want to request or appeal a coverage decision, or even file a... Read more
What Medicare Supplement Plans Does Anthem Offer?
If you are nearing Medicare eligibility or are currently enrolled in Original Medicare, you may have questions and concerns about the out-of-pocket expenses that Medicare Part A and Part B do not cover. These expenses, including copayments and deductibles,... Read more
How Can I Find Healthcare Providers Who Accept WellCare Medicare Plans?
Many WellCare Medicare Advantage plans and stand-alone WellCare Medicare Part D Prescription Drug plans require you to use network providers for your routine care and prescription medications (except in emergency situations), to offer you lower... Read more
What Medicare Advantage Plans Does Coventry Offer?
Medicare Advantage plans are an attractive alternative way to get Original Medicare (Part A and Part B) benefits for beneficiaries who want the convenience of getting their Medicare benefits through a single plan. Medicare Advantage plans are required by law... Read more
What Medicare Advantage Plans does Humana Offer?
Humana markets Medicare Advantage plans in many states across the country. Also, Humana offers a wide range of choices to satisfy the medical needs, preferences, and budgets of many different Medicare beneficiaries. Whether you're new to Medicare, or thinking... Read more
How Can I Find Out If My Prescription Drugs Are Covered by my Aetna Plan?
If you're enrolled in an Aetna Medicare Prescription Drug Plan or an Aetna Medicare Advantage Prescription Drug plan, this article will help you learn about the plan's formulary (list of prescription drugs the plan covers). Find out if your prescription... Read more
What Medicare Advantage Plans Does Aetna Offer?
Aetna Medicare Advantage plans offer individuals eligible for Medicare coverage an alternative way to receive their Original Medicare benefits. By law, Aetna Medicare Advantage plans must cover everything included in Original Medicare (Part A and Part... Read more
Medicare Special Election Period for Low-Income Subsidy Beneficiaries
Are you enrolled in Medicare and receiving Extra Help with prescription drug costs? Also known as the Medicare Low-Income Subsidy, this program helps low-income enrollees with Medicare Part D costs like premiums, deductibles, copayments, and coinsurance. You... Read more
Medicare Special Enrollment Period (SEP) for Part A and/or Part B
A Medicare Special Enrollment Period (SEP) can let you sign up for Original Medicare Part A and/or Part B outside of regular enrollment periods. If you’re not eligible for an SEP, you’ll have usually to wait until the next General Enrollment Period to... Read more
Understanding the differences between Medicare Advantage HMOs and PPOs
Medicare Advantage: an alternative way to receive your Medicare benefits The Medicare Advantage (Part C) program offers you a different way to receive your Original Medicare Part A (hospital insurance) and Part B (medical insurance) benefits. (However, Part... Read more
How to Make Payments for Medicare Plans
Are you thinking about managing your Medicare payments? How you make your Medicare premium payments depends on the type of Medicare coverage you have. In many cases, you can set up automatic Medicare payments out of your bank account, if you don’t want to... Read more
Does Medicare Cover Lap Band Surgery?
In some cases, Medicare Part B might cover certain bariatric surgeries, such as lap band surgery. What is lap band surgery? Lap band surgery involves placing an inflatable band around the upper area of your stomach, according to the Mayo Clinic. Saline is... Read more
Does Medicare Cover Effexor?
If you suffer from depression, your doctor might prescribe an antidepressant such as Effexor (generic name venlafaxine). What is Effexor? Effexor is part of a class of drugs called selective serotonin and norepinephrine reuptake inhibitors (SNRIs),... Read more
Reporting the Death of a Medicare Beneficiary: Social Security Death Notification
When someone dies there are many arrangements to make, including letting Social Security know to terminate the deceased person’s benefits. The Social Security death notification should be made as soon as possible after the person’s death. In most cases,... Read more
Does Medicare Cover Weight Loss Surgery?
Weight loss surgery helps people with extreme obesity lose weight, according to the U.S. National Library of Medicine. A person with a body mass index of 30 or higher is considered obese, according to the American Heart Association. More than one-third of... Read more
Does Medicare Cover Ativan?
Ativan (generic: lorazepam), according to MedlinePlus (a National Institutes of Health website), is part of a class of drugs called benzodiazepines that may be prescribed to treat anxiety. Does Medicare Part A or Part B cover Ativan? If you’re a Medicare... Read more
Does Medicare Cover Atarax?
Do you have allergies and a prescription for Atarax? If you're a Medicare beneficiary, here's some information you may find useful. What is Atarax? Atarax (generic name hydroxyzine) is a prescription antihistamine. It may be prescribed to treat itchy skin... Read more
Medicare in Kansas
As a Medicare beneficiary in Kansas, as in other states, you have choices about how to receive your Medicare benefits. You can get them through the federal arm of the program, called Original Medicare (Part A and Part B), and optionally add supplemental... Read more
Medicare in Kentucky
Medicare beneficiaries in Kentucky may choose from several Medicare coverage options, ranging from the federally run Original Medicare, Part A and Part B, to private insurance companies contracted with Medicare that offer Medicare Advantage plans, Medicare... Read more
Medicare in Pennsylvania
Are you browsing Medicare options in Pennsylvania? As a Medicare beneficiary, you may have many ways you can get your coverage. You can stay with Original Medicare, or consider Medicare plan options like Medigap, Medicare Advantage, or Medicare Prescription... Read more
Medicare in Texas
Searching for a Medicare plan in Texas? Before joining any Medicare plan, it is recommended that you explore all of your options to make the most informed decision possible surrounding plan costs and details. About Medicare in Texas Beneficiaries in Texas... Read more
Medicare Zero-Dollar ($0) Plan Premiums
Medicare Part C (Medicare Advantage) plans are required to offer at least the same amount of coverage as Original Medicare, Part A and Part B (except for hospice care, which remains covered by Medicare Part A). Medicare Advantage plans are sold by private... Read more
Medicare Annual Election Period Cheat Sheet
This cheat sheet can help clarify some of Medicare’s basic information to help you understand the options available to you. Enrollment periods for Original Medicare These enrollment periods may be used to enroll in Original Medicare, Part A and Part... Read more
Medicare Eligibility If You Are Under 65
As you might know, the Medicare eligibility age is 65, and to be eligible you have to be an American citizen or legal permanent resident of at least five continuous years. However, did you know you might be qualified for Medicare before age 65? This article... Read more
Medicare Part B – Medical Insurance
What is Medicare Part B coverage? Medicare Part B (medical insurance) helps cover medically necessary services and supplies needed for the diagnosis or treatment of your health condition. This includes outpatient services received at a hospital, doctor’s... Read more
What Medicare Supplement Insurance (Medigap) Policies Cover
A Medigap policy is supplemental medical insurance that covers some of the costs of Original Medicare, Part A and Part B. There are currently 10 standardized Medigap plans and one high-deductible plan available in most states. Each plan is named with a... Read more
Customer reviews of Tamera
She was patient, polite and friendly and even had a sense of humor.
Patricia M, Madison, AL
I had already had a real bad experience on another site. I think Tamra was the nicest person I have talked to in years. She should be an example to train others.
Anonymous, Clovis, NM
very helpful and answered all my questions. My husband is hard of hearing and she was very patient with him. Very professional
Robert P, Greenwood, CA
Tamera was such a delight. Very helpful and she was able to answer all my questions. Looking forward to talking with her again when my husband enrolls into Medicare next year. Tamera... You were such a blessing to me! Thank you for all your time and effort to get me enrolled!
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