customer rating (309 votes) ?
She was more thorough than I expected. Going in, I thought I would be treated as just another client, but Victoria was pleasant and very knowledgeable Richard M, Winter Garden, FL Read more reviews
More about Victoria
I enjoy helping people. I am committed to excellence. I will go above and beyond to help someone find a Medicare plan, so when we are finished with the conversation you will have piece of mind.
Three words that describe me:
Kind, humorous, and intelligent.
Favorite thing to do when not at work:
Play with my grandson.
Favorite place to visit and why:
Disneyland because it is the happiest place on earth.
What I like most about helping people find the right Medicare plan options:
I enjoy saving people money and making that right fit for their needs and budget.
Love Drew Tetrick Electric, who is a world famous violin player, and a personal friend of mine. Love Robert Downey Jr as an actor.
Medicare articles by Victoria
Comparing Medicare Part D Plans
Every Medicare beneficiary has access to at least one stand-alone Medicare Part D Prescription Drug Plan in 2018, according to the Centers for Medicare and Medicaid Services (CMS). This means that you, like most other Medicare beneficiaries, will have dozens... Read more
Seven Medicare Advantage Benefits To Consider
If you get a Medicare Advantage plan, you may get extra Medicare Advantage benefits not typically provided by Original Medicare (Part A and Part B). Not all benefits are covered in the same way by all plans. Here are seven benefits to consider. 1. Medicare... Read more
Medicare Supplement Plans in Vermont
Medicare Supplement (Medigap) plans in Vermont may cover some of your Original Medicare (Part A and Part B) out-of-pocket costs. Some people like the "portability" of these plans, because you don't have to get medical care close to home – in most cases,... Read more
Medicare Supplement Plans in Pennsylvania
What are Medicare Supplement plans in Pennsylvania? Medicare Supplement (Medigap) plans in Pennsylvania and throughout the United States help pay some of the out-of-pocket health-care costs that Medicare Part A and Part B don’t pay. Medicare Supplement... Read more
Medicare Supplement Plans in New Jersey
A Medicare Supplement plan can help cover Medicare out-of-pocket costs such as copayments, coinsurance and deductibles. Medicare Supplement plans in New Jersey are offered by private insurance companies. You may be aware that Original Medicare (Part A and... Read more
Medicare Supplement Plans in Massachusetts
When you're on Medicare in Massachusetts, you might be eligible for a Medicare Supplement plan in Massachusetts. This might help your peace of mind if you have high out-of-pocket costs Medicare doesn't cover. Medicare Part A and Part B deductibles,... Read more
Medicare Supplement Plans in Michigan
When it's time to decide on your Medicare coverage, you generally have two main "paths" to choose from: Original Medicare (Part A and Part B) with or without a Medicare Supplement plan in Michigan Medicare Advantage (Medicare Part C). Under this... Read more
Medicare Supplement Plans in Kansas
If you're on Medicare in Kansas, do you ever wish you didn't have to pay Medicare Part A or Part B copayments or coinsurance? It may be worthwhile to look into Medicare Supplement plans in Kansas, particularly if you have high health-care costs. What are... Read more
Medicare Supplement Plans in Georgia
If you like having the freedom to choose your own doctors and hospitals in Georgia, you might want to learn about Medicare Supplement plans in Georgia. Medicare Supplement plans in Georgia (as in other states) work alongside your Medicare Part A and Part B... Read more
Medicare Supplement Plans in California
If you’re one the over 6 million Medicare beneficiaries in California according to the Centers for Medicare and Medicaid Services, you may be interested in a Medicare Supplement plan in California. Medicare Supplement plans are offered by private insurance... Read more
Medicare Supplement Plans in Mississippi
If you're on Medicare and trying to hold down your health-care costs, a Medicare Supplement plan in Mississippi could be the solution you're looking for. Whether a Medicare Supplement plan in Mississippi is right for you depends on several factors. We'll take... Read more
How Much Do Medicare Advantage Plans Cost? – Frequently Asked Questions
One of the Medicare plan options you might consider is Medicare Advantage (Medicare Part C). Medicare Advantage gives you the opportunity to get your Medicare Part A and Part B benefits from a private insurance company that contracts with Medicare. One... Read more
Can I Get Vaccines Covered by Medicare? – Frequently Asked Questions
According to the U.S. Department of Health and Human Services, a vaccine prepares your body to fight a disease by giving you a very small amount of a weak or dead germ that causes the disease. Vaccines are especially important for older adults since your... Read more
Does Medicare Have an Out-of-Pocket Spending Limit? – Frequently Asked Questions
Out-of-pocket limits and Original Medicare insurance Original Medicare, Part A (hospital insurance) and Part B (medical insurance), generally covers most out-of-pocket medical expenses. However, Part A and Part B do not have out-of-pocket limits on the... Read more
How Can I Get Dental Coverage with Medicare? – Frequently Asked Questions
According to the U.S. National Library of Medicine, oral health starts at home with brushing your teeth twice a day and using floss. Your teeth and mouth are also healthier when you limit sugary snacks and don’t smoke or chew tobacco. However, you should... Read more
How Much Do I Pay for Inpatient Surgery with Medicare? – Frequently Asked Questions
The cost of hospital care can be daunting. Fortunately, if you have Medicare, Part A (hospital insurance) and Part B (medical insurance) may cover many inpatient health-care services, including most inpatient surgery. What is an inpatient surgery?... Read more
What is Medicare?
The federal government defines Medicare as a federal health insurance program designed for those age 65 and older. Since its inception in 1965, Medicare has expanded to provide coverage for some younger people with disabilities, and for people with end-stage... Read more
Medicare Advantage as a Secondary Payer
If you're eligible for Medicare, but you have already have health coverage – for example, through an employer plan – you might want to know which type of insurance is the "secondary payer." For example, if you want to sign up for a Medicare Advantage... Read more
Seniors and Adventure Travel
If you’re retired, maybe now you finally have the time and money for some adventure travel. Whether it’s hiking in the Himalayas, whitewater rafting in Colorado, cycling in the countryside, going on an African safari, or another adventure, you may be able... Read more
Getting a Second Opinion for a Medical Decision
What is a second medical opinion? If you are facing an important medical decision, such as a limb amputation or cancer treatment, you may want to seek out a second medical opinion for your treatment options. According to the Harvard Medical School, doctors... Read more
What is My Target Heart Rate During Exercise?
According to the Mayo Clinic, exercise heart rate offers an objective look at exercise intensity, more than just how you feel. Heart rate and pulse are the same thing and are the number of times your heart beats in one minute. Achieving your target heart rate... Read more
Medicare tips: 6 Medicare Mistakes to Avoid
You were probably very particular about your kids' well-being, right? You didn't want them to go to just any doctor or have just any teacher at school. Don't you deserve the same kind of thoughtfulness about your own health? Don't fall prey to common... Read more
What kinds of out of pocket costs do Medicare Part D plans have?
If you’re like many Americans, you depend on prescription drugs to manage a physical or mental condition. Medicare Part D, available since 2006, is Medicare’s solution to prescription drug coverage. Medicare Part D is available through private insurance... Read more
How Will Medicare Part C and Part D Change in 2019?
Did you know Medicare is making some changes for 2019? Goals of these Medicare changes include better serving beneficiaries and reducing the administrative burden on Medicare health and prescription drug plans. The Centers for Medicare & Medicaid Services... Read more
Facing New Health Problems? How to Make Sure You Have the Right Medicare Coverage
When your health is good, you might not have to worry about the details of your Medicare coverage. But if you start developing health problems, that's a different story. You might want to take a close look at your Medicare coverage and make sure you have the... Read more
Can I Get Medicare in the Gig Economy?
Not everyone retires and signs up for Medicare as soon as they turn 65. Some people want or need to stay in the workforce. In the gig economy, you may be able to accept work when you want it, without having to make a full-time commitment. But you might need... Read more
How Do I Find a Long-Term Care Facility?
At some point in your life, you might need long-term care – or you might have to find a long-term care facility for your parent, spouse, or other loved one. You'll want to make sure the facility provides the best possible care. Read about how to find a... Read more
Is My Specialist in my Medicare Plan’s Network?
If you have a favorite medical specialist and you qualify for Medicare, can you keep that specialist? Some health plans restrict you to doctors and specialists in the plan’s network. But you still might be able to keep your specialist when you’re enrolled... Read more
Will Medicare Cover A Second Opinion before Surgery?
What is a second opinion? When you’re making a critical health decision, you may want a second opinion. A second opinion is where a doctor other than your regular doctor gives her view on your health problem and how to treat it. A second opinion helps you... Read more
Does Medicare Cover Gout?
You may be surprised to learn that gout is actually a form of arthritis, although it's a very complex type, according to the Mayo Clinic. If you have gout and are covered under Medicare, here's what you need to know. What is gout? Unlike many types of... Read more
Does Medicare Cover Music Therapy?
Research has shown that music therapy may have some value in treating certain health conditions. For example, it might help reduce agitation and depression, and help with motor skills (movement), according to the National Institutes of Health (NIH). What is... Read more
Medicare Advantage Plans vs Medicare Cost Plans for Minnesota Residents
Medicare Advantage plans and Medicare Cost Plans are both types of Medicare health plans. If you’re looking at Medicare health plans in Minnesota, here’s what you need to know. Comparing Medicare Advantage and Medicare Cost Plans in Minnesota This table... Read more
What Causes Diarrhea and How to Treat It
Many people have experienced diarrhea. Usually it's just a short-term affliction, but if it lasts for a period of days or weeks, it could indicate a serious underlying problem, according to the Mayo Clinic. Diarrhea can be life-threatening if it causes... Read more
Skin Care Tips for Seniors
Your skin changes as you age. According to the Mayo Clinic, the natural process of aging combined with sun exposure and even genetics can contribute to thinning skin. The National Institute on Aging (NIA) says fragile skin needs special attention to prevent... Read more
Fevers in Seniors: What Caregivers Should Know
If you provide care for a senior citizen, you may be concerned if the senior appears feverish. Fevers are usually signs of infection, according to the Mayo Clinic. Learn more about what causes fevers in seniors in when you should seek medical attention for... Read more
What Are the Benefits of Tai Chi for Seniors?
If you're an older adult looking for a low impact way to stay active, you might consider tai chi. Learn more about tai chi and how it can be a beneficial for people of all ages. What is tai chi? Tai chi is an ancient form of Chinese exercise characterized... Read more
Does Medicare Cover Anemia?
When you have anemia, your blood doesn't carry enough oxygen to the rest of your body because you don't have enough red blood cells. According to the National Heart, Lung, and Blood Institute, the most common type of anemia is caused by an iron... Read more
Hard to Treat High Blood Pressure: What You Can Do
According to the Centers for Disease Control and Prevention (CDC), about one out of three people in America have been diagnosed with high blood pressure. Although about 50% of the population can control high blood pressure through standard medical treatment,... Read more
Funeral Planning Guide
If you've recently experienced the loss of a loved one, funeral planning may feel overwhelming. Here's a funeral planning overview to help ease the burden during this difficult time. Funeral planning: getting started Knowing how to plan a funeral, or even... Read more
Does Medicare Cover UTI treatment?
What is a UTI? According to the Centers for Disease Control and Prevention (CDC) a urinary tract infection (also called UTI) is an infection involving any part of the urinary tract including: Bladder Kidneys (two bean-shaped organs that filter blood... Read more
Does Medicare Cover a Biopsy?
If your doctor has identified an area of concern that may be cancer, you may have to have a biopsy. Your first question is probably, "What is a biopsy?" and your second may be, "Will Medicare cover a biopsy?" Here's some information to help answer those... 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
Does Medicare cover a personal trainer?
If you’re struggling to stay motivated in a fitness routine on your own, you may desire the services of a personal trainer. What is a personal trainer? A personal trainer can help you achieve your personal health and fitness goals by overseeing your... Read more
Does Medicare Cover Zostavax
Shingles is a common viral infection that causes a painful rash, according to the Mayo Clinic. The Centers for Disease Control and Prevention (CDC) reports that 1 out of every 3 people in the United States will develop shingles (herpes zoster) in their... Read more
Types of Exercise for Seniors
Exercise for seniors: why should you exercise? As we get older, our strength and endurance often decline, according to the Center for Disease Control and Prevention (CDC). This may make seniors more likely to be tired and get hurt. So, let's look at how... Read more
Best Senior-Friendly Travel Destinations
Now that you’re retired, you may have more time than ever to enjoy the best travel destinations on your bucket list. All your new-found flexibility means you can take advantage of last-minute deals to the best travel destinations for... Read more
What Should You Do If You Have a Complaint About Hospice Care?
Hospice care is focused on helping a patient stay comfortable during his or her final days, according to eldercare.gov. It's for terminally ill patients, but also helps comfort the patient's family. Hospice care aims to treat the symptoms, but not the illness... Read more
Does Medicare Cover 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 Plastic Surgery?
Plastic vs Cosmetic surgery Plastic surgery is not the same as cosmetic surgery, according to the American Board of Cosmetic Surgery. Plastic surgery reconstructs facial and body defects due to birth disorders, trauma, burns and disease. Cosmetic surgery... 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
What’s the Breast Cancer Survival Rate?
You might be interested in learning about breast cancer survival rates – especially if this disease affects you or a loved one. The National Institutes of Health estimates that, in 2017: 252,710 women have been diagnosed with breast cancer.... Read more
Does Medicare Cover Varicose Veins Treatment?
Varicose veins occur when veins become enlarged, dark purple or blue, and twisted and bulging. This commonly occur in the legs, although they can appear in other body parts. As the Mayo Clinic explains, under normal circumstances the veins act as one-way... Read more
Does Medicare Cover Radicava for ALS Treatment?
Amyotrophic lateral sclerosis (ALS) or Lou Gehrig's disease is a progressive condition where the motor neurons that control voluntary muscle movement slowly die. As their muscles weaken and eventually become paralyzed, ALS patients may lose the ability to... Read more
What is the Hepatitis B Vaccine?
The hepatitis B vaccine is a shot that can help prevent you from getting the hepatitis B virus. According to the World Health Organization (WHO), the hepatitis B vaccine is about 95% effective. The National Institutes of Health defines hepatitis B as "a... Read more
Medicare Supplement for people under 65 and disabled in Georgia
According to the Kaiser Family Foundation (KFF) Georgia has over 1.5 million Medicare beneficiaries. If you’re under 65 in Georgia you may have qualified for Medicare through a disability. Once you realized that Original Medicare (Part A and Part B) has no... Read more
What is the difference between Dementia and Alzheimer’s?
What is the difference between Dementia and Alzheimer’s? You might think that Alzheimer's and dementia are simply different words for the same condition, but they aren't. Alzheimer's is a disease which accounts for up to 80 percent of dementia cases.... Read more
Could you lose your Medicare coverage if you recover from your disability?
Do you have Medicare coverage because of a medical disability? If you recover from the health condition that qualified you for Medicare, you might lose your Medicare coverage. However, you will not necessarily lose your Medicare coverage simply because you... Read more
Does Medicare Cover Morphine
What is Morphine? Morphine is a prescription drug used to relieve moderate to severe pain, according to the U.S. National Library of Medicine. Morphine is narcotic (opiate) that works by changing the way the brain and the nervous system respond to pain.... Read more
Does Medicare Cover Speech Pathology?
The National Institute on Deafness and Other Communication Disorders estimates that between 6 million and 8 million people in the U.S. suffer from some form of language impairment. Among adults, many of these language disorders are caused by dementia, head... Read more
What Are the Rules for Agents Who Sell Medicare Health Plans?
The Centers for Medicare & Medicaid Services (CMS), which administers the Medicare program, has strict guidelines that private insurance companies must follow when marketing and selling Medicare plans. Familiarizing yourself with these rules may help you... Read more
Does Medicare Cover Podiatry?
Medicare Part B may cover podiatry. Visits to a foot doctor (podiatrist) may be covered, but not for routine foot care. Generally, Medicare Part B covers podiatry when: Your doctor determines that this care is medically necessary – for example, you have... Read more
How Can a Health Insurance Broker Help Me Find a Medicare Plan?
If you've just started researching and comparing Medicare plans offered by private companies, you may be trying to decide whether to use a health insurance broker or go directly to an insurance company. Learn more about the advantages of finding health... Read more
How Can I Watch for Signs of Elder Abuse?
As people age and become more physically and mentally vulnerable, they may become victims of elder abuse. According to the National Council on Aging (NCOA) about one in 10 Americans over age 60 have experienced some form of elder abuse. According to the U.S.... Read more
How Can I Stay Independent as Long as Possible?
According to a report by the Department of Housing and Urban Development (HUD) Office of Policy Development and Research, the overwhelming majority of seniors want to live independently in their homes as they age and 93% Medicare enrollees over age 65 are... Read more
How to Plan for Aging without a Family Caregiver
The number of seniors without family is on the rise, a trend that shows no signs of slowing down in the coming decades. According to an Oxford Academic study published in The Gerontologist, over one third of American adults ages 45 to 63 are unmarried, a... Read more
Tips for Caregivers for the Elderly: How to Prepare for Disasters
Disasters often strike without warning, and may mean evacuating your home or being confined to your residence without utilities or access to necessary services. Preparing for disasters such as hurricanes, earthquakes, fires and floods can be challenging even... Read more
Steps for Choosing a Nursing Home
It's never easy to move into a nursing home, or help a loved one make the transition, but sometimes it may be the best option for getting the care and support you need. Here are some tips and useful resources to help you get started on how to choose a nursing... Read more
Is Your Medicare Advantage Plan Still Right for You?
Medicare Advantage, also known as Medicare Part C, is a popular alternative way to get your Original Medicare (Part A and Part B) health-care benefits. Medicare Advantage plans must cover everything Original Medicare covers, except hospice care, which is... Read more
Does Medicare Cover Gastric Suction Pump Canisters?
If you are a Medicare beneficiary and your doctor believes that a gastric suction pump is medically necessary to treat your condition, Medicare will usually cover allowable charges for the device and associated supplies. What is gastric suction used... Read more
Four Tips for Healthy Blood Pressure Levels
According to the Centers for Disease Control and Prevention (CDC), about 1 in 3 adults in the U.S. have high blood pressure and only about half have their high blood pressure under control. Also called hypertension, high blood pressure can increase the risk... Read more
Prescription drug abuse among older adults
Prescription drug abuse means using prescription medications in a way that's not in line with your doctor's instructions, according to the Mayo Clinic. It could also involve taking someone else's medications that were not prescribed for you. Seniors can be... Read more
Does Medicare Cover Gonorrhea?
What is gonorrhea? Gonorrhea is a sexual transmitted infection (STI) caused by bacteria. You can get it through contact with the mouth, vagina, penis, or anus of an infected person, according to the National Institute of Health (NIH). Gonorrhea is very... Read more
Medicare Supplement Plans and Hospice Care
Medicare's hospice care benefit is for beneficiaries with terminal illness whose doctors have certified that they have six months or less to live. Whether you're considering hospice care for yourself or for a loved one, the decision to enter hospice care is a... Read more
Medicare Supplement Plans and Out-of-Pocket Costs
Medicare Supplement, or Medigap, insurance may help cover certain out-of-pocket costs that come with Original Medicare, Part A and Part B. Original Medicare covers a wide range of hospital and medical services, but it doesn’t cover all costs, and you’re... Read more
Under 65 with ESRD: What are your Medicare coverage options?
Do you have end-stage renal disease (ESRD)? That’s kidney failure where you need regular dialysis or a kidney transplant. Did you know you might qualify for Medicare, even if you’re younger than 65? You might have a few different Medicare plan options if... Read more
Drugs, Supplies, and Services that Medicare Doesn’t Cover
In general, Medicare doesn’t cover supplies, services, and drugs that are not “medically necessary and reasonable.” Medicare considers services needed for the diagnosis, care, and treatment of a patient’s condition to be medically necessary. These... Read more
How is Medicare Advantage plan funded?
Medicare Advantage (Medicare Part C) is an alternative way to get your benefits under Original Medicare (Part A and Part B). By law, Medicare Advantage plans must cover everything that is covered under Original Medicare, except for hospice care, which is... Read more
Does Medicare Cover the Pneumonia (Pneumococcal) Vaccine?
The pneumonia shot (also called pneumococcal vaccine) is a standard recommendation for anybody who is 65 or older, according to the U.S. Centers for Disease Control and Prevention, or CDC. Incidentally, it's also recommended for children who are under five... Read more
Can I get Medicare Supplement Coverage if I Have End-Stage Renal Disease (ESRD)?
Medicare is a government health insurance program. Original Medicare is made up of Part A (hospital insurance) and Part B (medical insurance). To be eligible for Medicare, you must be a U.S. Citizen or permanent resident for at least five continuous years.... Read more
What Vaccines are Covered under Medicare Part D?
While no one enjoys getting shots, staying up to date on your vaccines could have important health benefits; they could help you avoid disease, hospitalization, and even death. According to U.S. Department of Health & Human Services, a vaccine is a... Read more
A Beginner’s Guide to Medicare
As someone new to Medicare, you may be a little confused about your Medicare coverage options. You might have many choices, often with different rules, coverage limits, doctors, and costs. You worked hard to get Medicare. Now it’s time to make sure Medicare... Read more
How do Medicare Supplement plans work with other Medicare insurance?
A Medicare Supplement plan can help pay Medicare's out-of-pocket costs. It's useful to know how Medicare Supplement insurance might work with other Medicare health coverage. Is Medicare coverage enough insurance to protect you from unexpected medical... Read more
What Medicare Plans Does Blue Cross Blue Shield of Nebraska Offer?
Are you a Nebraska beneficiary interested in exploring your Medicare coverage options? Blue Cross Blue Shield Nebraska offers Medicare Advantage plans, Medicare Part D Prescription Drug Plans, and Medicare Supplement (Medigap) plans in the state of Nebraska.... Read more
Transition to Assisted Living: A Caregiver’s Guide
If you're caring for an older adult or aging parent, there may come a time when you're no longer able to provide the support your loved one needs to live independently. The transition to assisted living can be difficult for everyone involved, even if there... Read more
Elderly Care Tips Every Caregiver Should Know
Even if caregiving isn't something you've thought about yet, chances are likely that you may find yourself in that role at some point. According to a survey by the National Caregiver Alliance and the AARP Public Policy Institute, roughly 34 million adults... Read more
Medicare SELECT: A Type of Medicare Supplement plan
Are you looking to see if you can save money with a Medicare Supplement plan? There's a type of plan called a Medicare SELECT plan that may have a lower premium than most Medicare Supplement plans. What is Medicare SELECT? If you have Medicare Part A... Read more
Medicare Billing Errors
If you or a loved one are covered by Medicare, you can find a lot of information on Medicare.gov about how much you can expect to pay for various medical services. For example, if Medicare covers 80% for an item of durable medical equipment, you can generally... Read more
Medicare and Flu Shots
According to the National Institutes of Health (NIH), the influenza virus infects up to 20% of the population each year, sending more than 200,000 people to the hospital. Roughly 36,000 will die from the flu each flu season, with the most severe outcomes... Read more
Medicare and Divorce
Most people become eligible for premium-free Part A Medicare coverage through their own work history or their spouse’s work history. Generally you are eligible for premium-free Part A coverage if you or your spouse worked and paid Medicare taxes for at... Read more
Medicare and Vasotec
Do you take the high blood pressure medication Vasotec and wonder if Medicare covers it or the generic, enalapril? Learn whether Medicare covers Vasotec or your other prescription medications. Understand your Medicare benefits and Vasotec... Read more
Medicare and Darvocet-N 100
Darvocet-N is a strong opioid prescription pain medication, according to the FDA. Do you take the prescription medication Darvocet-N 100 or the generic equivalent, propoxyphene napsylate and acetaminophen, and wonder whether Medicare covers your prescription?... Read more
Does Medicare Cover Xalatan?
Xalatan is an ophthalmic solution approved by the United Stated Food and Drug Administration to treat certain types of eye conditions including open-angle glaucoma or ocular hypertension. Xalatan and its generic, latanoprost, may be covered by a stand-alone... Read more
Does Medicare Cover Tenormin?
The brand-name medication Tenormin, also known by the generic name of atenolol, may not be covered by your Medicare benefits. Part A and Part B of Original Medicare cover prescription medication in very limited circumstances. For this reason, Medicare... Read more
Does Medicare Cover Septra or Bactrim?
Prescription drugs such as Septra or Bactrim are not generally covered under Original Medicare (Part A and Part B), unless you are also enrolled in a stand-alone Medicare Prescription Drug Plan or a Medicare Advantage Prescription Drug plan. If you take... Read more
Does Medicare cover Risperdal?
Risperdal, the brand name formulation of the generic drug risperidone used to treat symptoms of schizophrenia and bipolar disorder, is generally not covered under Original Medicare (Part A and Part B), unless you have Medicare Part D prescription drug... Read more
Does Medicare Cover Adult Diapers or Other Incontinence Supplies?
Incontinence is a common problem for older adults. According to the Centers for Disease Control and Prevention (CDC), of those age 65 and older and living independently, more than half of women and 25% of men are affected by urinary leakage. Fortunately,... Read more
Does Medicare Cover Razadyne?
Razadyne helps treat symptoms of Alzheimer's disease, according to the National Institutes of Health (NIH) Library of Medicine. Doctors may also prescribe this medicine as a generic drug called galantamine. Part A and B of Original Medicare don't typically... Read more
Does Medicare Cover Proventil?
Doctors might prescribe Proventil or the generic equivalent, albuterol, to treat wheezing, difficulty breathing, tightness in the chest, or certain other symptoms, according to the National Institutes of Health (NIH) National Library of Medicine. Original... Read more
Does Medicare Cover Prinivil?
Did your doctor prescribe the brand-name prescription called Prinivil or its generic equivalent, lisinopril? In most cases, Original Medicare Part A or Part B won't cover this oral medication. For coverage of Prinivil or lisinopril, as a Medicare... Read more
Does Medicare Cover Isordil?
Isordil belongs to a class of drugs known as vasodilators, which work by relaxing the blood vessels, making it easier for the heart to pump blood throughout the body, according to the Food and Drug Administration (FDA) Isordil (generic name: isosorbide... Read more
Original Medicare vs. Medicare Advantage
Medicare Advantage, also known as the Medicare Part C program, officially launched in 2003, according the Centers for Medicare & Medicaid Services (CMS). In 2017, about one-third of all Medicare beneficiaries are enrolled in Medicare Advantage plans... Read more
Prescription Drug Coverage – Step Limits, Quantity Limits, and Prior Authorization
If you're covered under a Medicare Advantage plan with prescription drug coverage or a stand-alone Medicare Part D Prescription Drug Plan, you may have to follow certain guidelines when you access your benefits. For example, you may be required to use a... Read more
Does Medicare Cover Diabetes Supplies
Are you looking for ways to manage your costs for diabetes supplies? In addition to any medications your doctor prescribes, like insulin, you also could have costs related to daily blood glucose monitoring. Fortunately, if you are enrolled in Original... Read more
Can I Apply for Medicare Online?
If you are approaching Medicare eligibility, you may have questions about how to sign up to receive your benefits. Fortunately, you have more convenient options than making an appointment with a representative and driving to your local Social Security... Read more
What is Respite Care? Tips for Caregivers
If you're a caregiver – whether it's for your husband, wife, Mom, Dad, or another loved one – there may be times when the stress may start to get to you. You may be able to take a break now and then. Read on to find out about respite care. What is... Read more
What is Type 1 Diabetes?
Diabetes is a health disorder involving a high amount of glucose, or blood sugar, in your blood, says the Centers for Disease Control and Prevention (CDC). There are several types of diabetes, but the most common are known as type 1 and type 2... Read more
Does Medicare Cover Lung Cancer Treatment?
If you've been diagnosed with lung cancer, your doctor and treatment team will work together with you to develop a lung cancer treatment plan. According the American Cancer Society, treatment will be based on the type and stage of your cancer and on your... 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
Do Medicare Supplement plans differ for each state?
If you're thinking of adding a Medicare Supplement plan to your Original Medicare coverage, you may be wondering how it works and whether benefits vary depending on the state you live in. The short answer is, generally no. Most states offer up to 10 Medicare... Read more
How Do I Sign Up for Medicare Easy Pay?
If you get Social Security benefits, Civil Service retirement benefits, or Railroad Retirement Board benefits, you might not have to worry about writing a check to pay your Medicare Part B premium, because in most cases they are automatically deducted from... Read more
Kidney Stones: Symptoms and Causes
According to the National Institute of Health (NIH), about 11% of men and 6% of women in the United States will get kidney stones during their lifetimes. The pain or bleeding associated with this fairly common condition sends many people to emergency rooms... Read more
Hypoxic-Anoxic Brain Injury
According to the Family Caregiver Alliance, hypoxic-anoxic brain injury occurs when there is not enough oxygen available to the brain for it to function normally and perform the vital processes that support life. Hypoxic brain injury refers to a reduced... 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
Caring for Elderly Parents
When a parent reaches the point where living alone is no longer a safe option, one out of a group of siblings might step up to become the caregiver for aging parents. If that's your role in the family, you may have questions and concerns about what to... Read more
What to do if Your Parents Refuse to Wear Medical Alert Devices
Wearing a medical alert device might help your parents stay safe. You might be concerned about your parents’ safety at home if they are 65 and older. According to the Centers for Disease Control and Prevention (CDC), one out of three people (who are 65 and... Read more
Chronic Obstructive Pulmonary Disease (COPD): Symptoms, Causes, and Treatment
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. If you’ve been diagnosed with COPD, or are at increased risk for... Read more
What is Amyotrophic Lateral Sclerosis (ALS), also called Lou Gehrig’s Disease?
Amyotrophic lateral sclerosis (ALS), sometimes called Lou Gehrig's disease, received a lot of media attention during the ALS Ice Bucket Challenge. According to the ALS Association, the donations helped lead to an important genetic discovery. Read more in... Read more
Does Medicare Cover Colorectal Cancer Treatments?
Colorectal cancer is a cancer that begins in the colon or the rectum. If you or a loved are diagnosed with colorectal cancer, the good news is that colorectal cancer treatment may have a good probability of extending your life. According to American Cancer... Read more
Does Medicare Cover Commodes?
Sometimes, an illness or injury may cause you to have limited mobility, or even confine you to a bedroom for a period of time. Your health-care provider may recommend that you use a portable commode (toilet) or commode chair to minimize your risk of fall... Read more
Guide to Caregiver Well-Being
In 2015, the American Association of Retired Persons (AARP) Public Policy Institute and the National Alliance for Caregiving released a major report on caregiving and caregiver stress in the United States. For those providing care to a loved one, these... Read more
Dementia Care Tips: Caring for Someone with Dementia or Alzheimer’s Disease
If someone you love has Alzheimer's disease or dementia, you may face a difficult set of challenges. People with these conditions suffer from a progressive brain disorder that makes it difficult for them to think clearly, take care of themselves, or even... Read more
Does Medicare Cover Digital Rectal Exams?
If you have health-care coverage through the Original Medicare (Part A and Part B) program, and your doctor or other provider has recommended you have a digital rectal exam, or DRE, your test may be covered under Part B, subject to your deductible and... Read more
Medicare Coverage of Nebulizer Machines
What is a nebulizer? A nebulizer is a machine that delivers liquid prescription medications in a fine mist you can inhale. Your doctor might prescribe medication to use with a nebulizer to help open your airways if you have certain health problems that... Read more
Does Medicare Cover Anesthesia?
If you receive anesthetics for a covered medical procedure, whether as an inpatient at a hospital or as an outpatient at an ambulatory surgical center, Original Medicare (Part A and Part B) may cover these services. To qualify for Medicare coverage,... Read more
Can I Delay Medicare Part D Enrollment?
If you’re approaching Medicare eligibility, especially if you’re in good health, you probably have questions about just how much health-care coverage you really need. For many people, enrollment in Original Medicare (Part A and Part B) happens... Read more
Medicare Star Ratings and the 5-Star Special Election Period
Are you unhappy with your current plan or need a change? The Medicare 5-Star Special Election Period (SEP) may be a good time to switch to a 5-star rated Medicare Advantage plan, Medicare Prescription Drug Plan, or Medicare Cost Plan. Medicare plans are... Read more
What if the Pharmacy Doesn’t Fill Medicare-Covered Prescription Drugs?
You may have a Medicare plan that includes prescription drug coverage. However, there may be times when a pharmacy can't fill your prescription drugs. Here are some reasons why pharmacies won't fill Medicare-covered prescription drugs and your options for... Read more
Medicare Coverage of Electrocardiograms (EKGs)
According to the Centers for Disease Control and Prevention, or CDC, Americans suffer from coronary artery disease more than any other kind of heart disease. Tragically, the first time that many people realize they have this disease is after they suffer from... Read more
Does Medicare Cover the Hepatitis B Vaccine?
Does your doctor say you should get the hepatitis B vaccine? If you have Medicare Part B, this "hep B shot" might be covered. Here’s what you need to know about the hepatitis B vaccine and Medicare coverage for it. Does Original Medicare cover hepatitis B... Read more
Does Medicare cover hospice care?
If you’re considering Medicare hospice care for yourself or a loved one, you may be comforted to know that the Medicare hospice benefit is available to help eligible terminally ill beneficiaries and their families with end-of-life issues such as pain... Read more
What Medicare Plans Does Blue Cross Blue Shield of Georgia Offer?
If you are already enrolled in Medicare or approaching eligibility, you may be interested in learning about some of your coverage options beyond Original Medicare, Part A and Part B. Blue Cross Blue Shield of Georgia has a variety of offerings, including... Read more
Do UnitedHealthcare Medicare Plans Cover Routine Vision Services?
Whether you're enrolled in Medicare, or about to be eligible, you may have questions about Medicare vision coverage. UnitedHealthcare (UHC) is one of the private insurance companies contracted with Medicare to provide benefits under the Medicare Advantage... Read more
Do UnitedHealthcare Medicare Plans Include Routine Dental Coverage?
UnitedHealthcare Medicare Advantage plans offer you an alternative way to get your Original Medicare (Part A and Part B) benefits. By law, all Medicare Advantage plans must cover, at a minimum, everything Original Medicare covers (except hospice benefits,... Read more
What Medicare Plans Does Anthem Offer?
If you are looking for Medicare Advantage plans or ways to supplement your Original Medicare (Part A and Part B) coverage with a Medicare stand-alone Part D Prescription Drug Plan or Medicare Supplement insurance (Medigap), you may be interested in Anthem... Read more
Do WellCare Medicare Plans Cover Routine Vision Services?
If you're new to WellCare Medicare Advantage plans, or are comparing plans before deciding which one is right for you, you may have questions about Medicare vision coverage and managing your costs for routine vision care. Here's some information to help... Read more
How to Appoint a Personal Representative for Your Coventry Medicare Plan
Occasionally, you or a loved one may need help managing coverage and benefits under a Coventry Medicare Advantage plan or Coventry Medicare Part D Prescription Drug Plan. Fortunately, federal Medicare guidelines allow you to officially appoint a personal... Read more
What Medicare Supplement Plans Does Humana Offer?
Many Original Medicare beneficiaries enroll in Medicare Supplement policies, also called Medigap plans, to help cover certain medical expenses not covered by Original Medicare. Depending on the specific policy, these plans can offer more predictability in... Read more
What Medicare Plans Does Humana Offer?
The federal government provides Original Medicare, Part A and Part B, but private companies like Humana contract with the Medicare program to offer additional coverage or an alternative way to get your Original Medicare benefits. Medicare plans offered... Read more
How Can I Find Healthcare Providers that Accept Aetna’s Medicare Plans?
How Can I Find Health-Care Providers that Accept Aetna's Medicare Plans? Aetna is a private company contracted with Medicare to provide benefits to beneficiaries under the Medicare Advantage program. Like many companies that offer Medicare plans, Aetna... Read more
Do Aetna Medicare Plans Cover Routine Vision Services?
If you're enrolled in Medicare or approaching Medicare eligibility, you may have alternative options for receiving your Original Medicare (Part A and Part B) benefits. Aetna is one of the private health insurance companies that contracts with Medicare to... Read more
Medigap Coverage of Pre-Existing Conditions
People often ask me when the best time is to enroll in a Medicare Supplement (Medigap) policy. My answer is always the same: If you want the most plans available to you and especially if you have health issues, you should join a plan when you're first... Read more
Does Medicare Cover Namenda?
A prescription for Namenda might have you wondering about Medicare coverage for this medication. Here's some information for you. What is Namenda? One medication that doctors sometimes use to treat symptoms of Alzheimer's disease is Namenda (or the Namenda... Read more
Will My Spouse and Dependent Children Be Covered Under Medicare?
If you’re familiar with employer-sponsored health-care plans, you may expect your whole family to be covered under one health insurance plan. Medicare, however, covers beneficiaries only on an individual basis. The Medicare beneficiary’s benefits... Read more
How Can a Medicare Advantage Plan Have a Zero Dollar ($0) Premium?
If you're doing some research about Medicare Advantage plans, you might have discovered some $0-premium Medicare Advantage plans. But just because a Medicare Advantage plan has a zero premium doesn't mean the plan covers all your health-care costs. What are... Read more
Does Medicare Cover Emergency Room Visit Costs?
Anyone might need to go to the emergency room someday. If you have Medicare Part A and Part B, do you know what share of emergency room costs Medicare may cover? As you may know, emergency room (ER) visits can be expensive. Almost 22% of Americans aged 65... Read more
Does Medicare Cover Dilantin?
If you take Dilantin (the generic name is phenytoin) and are a Medicare beneficiary, please know that Original Medicare offers limited coverage of prescription drugs. According to the U.S. National Library of Medicine, Dilantin or phenytoin is used to control... Read more
Medical Alert Systems and Medicare
If you're living alone, a medical alert system might give you and your loved ones a little peace of mind. Read about medical alert systems for seniors and if Medicare covers them. What are medical alert systems? Medical alert systems for seniors are... Read more
Getting Medicare When You’re Married
You're generally eligible for Original Medicare (Part A and Part B) when you turn 65 or receive disability benefits, whether or not you're married. If you're married and haven't worked in a paying job or didn't work enough quarters, you may still qualify for... Read more
Does Medicare Cover Desyrel?
The National Institutes of Health's Medline Plus website notes that trazodone, the generic equivalent of Desyrel, is used to treat conditions such as depression, insomnia and schizophrenia. It falls into the category of serotonin modulators, which boost... Read more
Does Medicare Cover Protonix?
What is Protonix? Protonix or its generic form Pantoprazole may be prescribed to treat acid reflux or other stomach or esophagus problems. According to the FDA, Protonix is part of a class of drugs called proton pump inhibitors. Does Medicare Part A cover... Read more
Does Medicare Cover DiaBeta?
Medicare Part A and Part B, which make up Original Medicare, generally don't cover the prescription medication DiaBeta or its generic form, glyburide. The National Institutes of Health's Medline Plus website says DiaBeta might be part of a treatment program... Read more
Does Medicare Cover Massage Therapy?
Original Medicare does not cover massage therapy. Services that are not covered by Medicare are the sole responsibility of the patient. Medicare Part B does pay for medically necessary forms of therapy, including physical therapy, occupational therapy, and... Read more
Do I Need Part A and Part B if I’m Still Working?
Many people may qualify for Medicare while still working. The Pew Research Center reported in 2016 more Americans aged 65 and over are still working now compared to in 2000, and the trend is rising. Do I qualify for Medicare while still working? Most people... Read more
Does Medicare Cover the Shingles Vaccine?
Original Medicare, Part A and Part B, don't cover the shingles vaccine. Medicare Part D (optional prescription drug coverage), on the other hand, may cover the shingles vaccine, as well as other commercially available vaccines. Shingles is a painful rash... Read more
Does Medicare Cover Premarin?
Menopause can result in hormone fluctuations that cause symptoms such as hot flashes or vaginal dryness. To help with the symptoms of menopause and to help protect against osteoporosis, your doctor may prescribe hormone replacement therapy such as... Read more
I Need to Change Doctors, What Do I Do?
Depending on what type of coverage you have, changing doctors under Medicare will require different steps: If you have Original Medicare, Part A and Part B: With this coverage, you can go to any doctor who accepts Medicare patients. You can use the... Read more
I’m a U.S. Citizen Living Abroad and Need Medicare
If you live abroad and are eligible for Medicare coverage within the United States, you may wonder if your Medicare policy still covers your needs. It's important to know that Medicare generally does not cover medical expenses incurred while outside the... Read more
Does Medicare cover Lomotil?
If you suffer from diarrhea, your doctor might prescribe Lomotil. According to the National Institutes of Health's Medline Plus website, Lomotil is a prescription drug combining the anti-diarrheal medication diphenoxylate with atropine, a medication that can... Read more
Does Medicare Cover Dentures?
If you're a Medicare beneficiary who wears dentures or needs them, you might be wondering if Medicare pays for dentures. Original Medicare, Part A and Part B, doesn’t generally cover the cost of dentures or getting fitted for them. Generally, Original... Read more
Medicare Coverage of Physical Therapy
One of the questions beneficiaries ask is whether Medicare covers physical therapy. You may have heard about the Medicare physical therapy "cap." Medicare Part B helps pay for medically necessary services, generally up to a certain limit or cap as described... Read more
Does Medicare Cover Zoloft?
Doctors sometimes prescribe Zoloft to treat symptoms like anxiety and depression. A Medicare Part D Prescription Drug Plan might cover Zoloft. What is Zoloft? Zoloft is a prescription drug classified as an antidepressant. The Zoloft generic equivalent is... 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
Public Benefits for Medicare Beneficiaries
Seniors on a fixed income may sometimes have trouble paying for health-care coverage and related medical costs. If you have a chronic health condition that requires ongoing treatment or frequent doctor visits, you know that copayment and coinsurance costs can... Read more
About Medicare Supplement (Medigap) Plans F, G, and N
Are you considering Medicare Supplement insurance? Medicare Supplement plans, also called Medigap plans, can help pay for out-of-pocket costs for services covered by Original Medicare (Part A and B). It's important to select a Medigap plan option that fits... Read more
Medicare and Dual Residency
Are you a Medicare beneficiary who lives in two states? Original Medicare, Part A and Part B, is not restricted by a service network. If you’re a dual resident of two states, this type of Medicare insurance will provide coverage wherever you choose to live... Read more
Medicare in Alaska
Medicare.com can be your resource while you shop for a Medicare plan in Alaska. Our site includes a plan comparison tool that lets you browse plans in your area. If you’re looking for a Medicare plan that best suits your needs, we’re here to help. About... Read more
Medicare in Florida
Medicare.com can be your resource for Medicare in Florida. If you would like to compare the various types of Medicare insurance offered throughout your county, including plan details and pricing, we can help. About Medicare in Florida Medicare beneficiaries... Read more
Medicare in Wisconsin
Searching for a Medicare plan in Wisconsin? Then let Medicare.com be your resource while you shop. We provide an obligation-free plan comparison tool so anyone can review private Medicare plan options and pricing detail in their area. About Medicare in... Read more
Medicare in Maryland
Medicare beneficiaries in Maryland may enroll in Original Medicare, Part A and Part B, as in other states. In fact, most Maryland residents are automatically enrolled in Original Medicare when they turn 65 if they’re already receiving retirement benefits.... Read more
Medicare in Nebraska
Nebraska residents have two main choices when deciding how to receive their Medicare benefits. You may opt for the federal arm of the program, called Original Medicare, Part A and Part B, or you may choose to enroll in a Medicare Advantage (Medicare Part C)... Read more
Medicare in New York
When shopping for Medicare coverage in the state of New York, it is a good idea for you to consider every available option. Because of this, Medicare.com provides a complimentary plan comparison tool so that you can review Medicare plan selections, details,... Read more
Medicare in Oregon
Looking for a Medicare plan in Oregon? Our plan comparison tool can help you browse available options and locate one that works best for you. Before joining any Medicare plan, you should carefully explore all of the options in your area. About Medicare in... Read more
Affordable Medicare Coverage by State
While Original Medicare, Part A and Part B, is the same throughout the country, certain types of Medicare insurance may vary by insurance company and location. This includes Medicare Advantage (Part C), Medicare prescription drug coverage (Part D), and... Read more
What If My Medicare Doctor “Opts Out”?
Finding a doctor you like and trust can be a long process, so I understand that it can be frustrating when your doctor no longer accepts Medicare. If your doctor has “opted out” of Medicare, this means that he or she no longer accepts Medicare assignment... Read more
Medicare Advantage Plans Explained
Did you know that there are different ways to get your Medicare coverage? When they think of Medicare, many people think of the government program known as Original Medicare, which includes Part A (hospital insurance) and Part B (medical insurance). But you... Read more
How to Determine if Your Medicare Advantage Plan Is Right for You
Your Medicare Advantage plan, also known as Medicare Part C, coverage details could potentially change each year. That's why it's important for you to review your Part C plan options each year to ensure that you continue to be enrolled in the right plan for... Read more
When You Can Buy a Medicare Supplement (Medigap) Insurance Policy
The best time to purchase Medicare Supplement insurance, also known as Medigap, is during your Medigap Open Enrollment Period. This period lasts six months and begins the first day of the month in which you are 65 or older and enrolled in Medicare Part B. So... Read more
Medicare Supplement Insurance and Prescription Drug Coverage
There are currently two ways to get prescription drug coverage through Medicare. The first is through a stand-alone Medicare Part D Prescription Drug Plan. The second option is to choose a Medicare Advantage plan (Part C) that provides prescription drug... Read more
About the Medicare Part D Prescription Drug Coverage Gap (“Donut Hole”)
The Medicare coverage gap is the phase of your Medicare Part D benefit when there is a gap in prescription drug coverage. You might not reach this stage at all; it starts if you and your plan spend a certain amount of money within a year, as described below.... Read more
Customer reviews of Victoria
She did not rush me and allowed me to ask any questions as necessary and allowed me to feel like I was a person not just number and that I was not stupid because of having to navigate the computer and all of the questions
Anonymous, Lascassas, TN
Very patient went in my opinion far and beyond in helping me answering all my questions and evaluating the plans great experience with this representative
Ryan S, Easton, PA
Victoria was very helpful, very friendly and concerned that I received the best coverage and the right price for what I needed and gave a choice between a HMO or a PPO. I thank her for all she did for me.
Anonymous, Conroe, TX
Need more precise information
Male, 78, Ingleside, IL
She talked way too fast and kept butting in when I tried to talk
Female, 55, Lodi, OH