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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
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
How to Prevent Skin Cancer
Staying out of the sun will do more than simply prevent premature aging and wrinkles: protecting yourself from ultraviolet (UV) radiation may lower your risk of skin cancer. Learn how to prevent skin cancer with these simple tips. Skin cancer statistics The... Read more
What are treatment options for wrinkles?
Wrinkles are a natural part of aging. As you age, your skin becomes less elastic, according to the Mayo Clinic. Fat in your deeper layers of skin decreases, which can cause loose, saggy skin. Diminished natural oils also may make the skin appear wrinkled.... Read more
What’s new with Medicare Part D in 2018?
If you have Medicare Part D (prescription drug coverage) or plan to enroll in a stand-alone Medicare Part D Prescription Drug Plan, you may be interested in several cost-related trends in 2018. Medicare Part D premium may decline In its August 2017 news... Read more
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
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
What Type of Medicare Plan Might Be a Good Fit for You?
Are you new to Medicare? Choosing Medicare coverage can be a challenge. There may be several Medicare coverage choices in your vicinity. But how do you know which Medicare coverage choice might work for you? Medicare coverage choices: what are they? When... Read more
Coping with Parkinson’s Disease
What is Parkinson’s disease? Parkinson’s disease is a neurodegenerative (degeneration of the nervous system) disorder according to the Parkinson’s Foundation. The U.S. National Library of Medicine calls Parkinson’s disease a “movement disorder.”... Read more
Back Pain Relief and Remedies
Back pain is common -- nearly everyone has it at some time in life, according to the National Institutes of Health (NIH). The possible causes for back pain are many and here are just a few examples: Tense muscles Stress Ruptured disks resulting... Read more
Does Medicare Cover Botox?
What is Botox used for? According to Botox.com and the U.S. National Library of Medicine (NIH), Botox, also called Botulinum toxin type A, can treat a variety of cosmetic and medical problems including: Facial wrinkles Severe underarm sweating when... 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
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
Does Medicare Cover Sexual Dysfunction?
The Cleveland Clinic defines sexual dysfunction as a problem occurring during any phase of the sexual response cycle that prevents the individual or couple from experiencing satisfaction with sexual activity. Certain health phenomenon more common for older... 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 Nail Fungus?
If you have nail fungus, you’re not alone. According to the Mayo Clinic, nail fungus is common, especially in older adults. Nail fungus results in nails that are thickened, discolored, brittle and ragged, and slightly foul smelling. Nail fungus can affect... Read more
Does Medicare Cover Antidepressants?
Your doctor might prescribe an antidepressant medication for you if you show certain symptoms, like loss of interest in your favorite activities. That's according to the National Library of Medicine, which reports that depression affects about 19 million... 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 Pacemakers?
Perhaps you're one of many people who need pacemakers, according to their doctors. But does Medicare cover pacemakers? What is a pacemaker? A pacemaker is a small device placed in your chest to help your heart maintain its proper rhythm, or pace, according... 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
What is the Prostate Cancer Survival Rate?
If you've been diagnosed with prostate cancer, it's natural to have questions about the disease, treatments, and especially the prostate cancer survival rate. Although it's always best to talk to your health care provider about your specific concerns, the... Read more
What are the Risks of Cancer Surgery?
Cancer surgery is a standard treatment for many different types of masses and tumors. It's understandable to have questions about the risks involved if your doctor has recommended cancer surgery as part of your treatment. Although the risks and potential... 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 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
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 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
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
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
Can I get Medicare Coverage After Being Exposed to an Environmental Health Hazard?
Do you know that if you have a disability related to an environmental health hazard you might be eligible for Medicare coverage? The great majority of Medicare beneficiaries, about 82% in 2013, are age 65 and older, according to the Medicare Payment Advisory... 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
Does My Pre-Existing Condition Increase My Medicare Costs?
As you get older, your chances of having a medical condition of some kind increases: according to the Centers for Medicare & Medicaid Services (CMS), up to 86% of older Americans between age 55 and 64 have a pre-existing medical condition. You usually... Read more
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
Assisted Living Facility Options for Seniors
Many older adults may decide to make the transition from independent living to assisted living when they find it is no longer safe for them to live alone or the tasks of daily life become too difficult to do alone. Assisted living differs from a nursing home... Read more
In-Home Health Care under Medicare
Have you just come home from the hospital and need some help at home? In-home health care assistance may be covered for you if you have Medicare. In 2013, about 4.9 million people received home health care assistance, according to a 2014 study published by... 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
Medicare Managed Care Plans vs PFFS (Private Fee for Service) Plans
If you are eligible for Medicare, or about to become eligible, you may be considering a Medicare Advantage plan over Original Medicare (Part A and Part B). Medicare Advantage plans are offered by private insurance companies approved by Medicare and provide an... 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
What’s the difference between Medicare Supplement plans and Medigap plans?
If you're wondering "What's the difference between Medicare Supplement and Medigap? Is a Medigap policy the same thing as a Medicare Supplement plan? What do these plans offer me in coverage?" then here is some information for you. Medicare Supplement plans... Read more
Medicare Coverage of Substance Abuse
According to the Substance Abuse and Mental Health Services Administration (SAMHSA), about 21.7 million people, or 8.1% of the population, needed substance abuse treatment in 2015. If you or someone you love is a Medicare beneficiary and needs substance... 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
Medicare Dental Coverage for Seniors
When shopping for the best dental plans for seniors, you should consider what services and treatments you might need, the costs of the plan, and what the plan covers. The dental needs of seniors could depend on the condition of their current teeth and their... 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
Medicare Supplement Plan F
If you're enrolled in Original Medicare (Part A and Part B) and would like to have most of the federal program's out-of-pocket costs covered, Medicare Supplement Plan F may be a good option. Medicare Supplement (Medigap) plans may help with certain... 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
Can I have more than one Medicare Prescription Drug Plan?
Medicare Prescription Drug Plans help Medicare beneficiaries pay for medications prescribed by a doctor. This coverage is available to anyone who is eligible for Medicare, whether he or she is enrolled in Original Medicare (Part A and Part B) or in 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
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
Will my Medicare Supplement (Medigap) plan cover my spouse?
As a Medicare beneficiary, you can't add a spouse to your Medicare benefits or Medicare Supplement plan. Medicare benefits are only for eligible individuals. Medicare Supplement (also known as Medigap) plans are offered by private insurance companies and... Read more
Advanced Illness: Feeding Tubes and Ventilators
Families caring for chronically or seriously ill loved ones are ultimately faced with very difficult decisions as the end of life approaches. An acute event such as a stroke or heart attack, or the natural progression of neurological diseases such as... Read more
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
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 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 Remeron?
If you have Original Medicare (Part A and Part B), treatment with Remeron is generally not covered, unless you are also enrolled in a stand-alone Medicare Prescription Drug Plan or a Medicare Advantage Prescription Drug plan. If you are under a doctor's care... Read more
Depression Screenings and Medicare
One of the preventive care services covered by Medicare is an annual depression screening. According to the Centers for Medicaid and Medicare Services (CMS), one in six people over the age of 65 suffers from depression. As a Medicare beneficiary, remember... 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 Nitrogard?
Does Medicare cover Nitrogard? Nitrogard is the brand-name of nitroglycerine, a medication used to prevent and treat chest pain, according to National Institutes of Health (NIH). Original Medicare Part A and Part B won't generally cover prescriptions like... Read more
Does Medicare Cover My Prescription Medication?
If you are enrolled in Original Medicare (Part A and Part B), you generally do not have coverage for prescription medication you take at home, unless you are also enrolled in a stand-alone Medicare Part D Prescription Drug Plan or a Medicare Advantage... Read more
Does Medicare Cover Lopressor?
Medicare Part A and Part B doesn't cover Lopressor (metoprolol tartate) in most situations. According to the National Institutes of Health, Lopressor is sometimes used to treat conditions such as: High blood pressure Chest pain Heart attack (to... Read more
Does Medicare Cover 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
HIV and AIDS Basics: Symptoms, Causes, and Prevention
According to a 2016 report by the Centers for Disease Control (CDC), approximately 1.2 million adults in America live with HIV, or human immunodeficiency virus; roughly one in eight don't know they are infected. In some cases, HIV progresses into full-blown... 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
What are Medicare 5-Star Plans?
Did you know that the government rates Medicare Advantage and Medicare Prescription Drug Plans? Based on patient feedback, doctor feedback, and other criteria, Medicare assigns one through five stars (unless a plan gets consistently poor ratings, which may... 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
Risks of Combining Medications and Alcohol
According to the National Institute on Drug Abuse, seniors (persons age 65 or older) make up only 13 percent of the population but consume over 33% of the prescription medications in the United States. If you or someone you love takes prescription drugs,... Read more
Will Medicare Part D Plans Cover the Cost of Claritin?
Claritin belongs to a class of drugs known as antihistamines which are used to treat symptoms associated with allergies, including sneezing, watery eyes, runny nose, and hives, according to the National Institute of Health (NIH). It is available over the... 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
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
Finding CPAP Masks that Work for You
Has your doctor diagnosed you with sleep apnea? Continuous positive airway pressure, or CPAP, may be prescribed in some situations to treat obstructive sleep apnea, a condition where throat muscles relax during sleep and cause the person to pause breathing.... 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
Hospital Discharge Planning: A Guide for Families and Caregivers
When a loved one has been hospitalized for illness or serious injury, it's normal to have questions about what happens next. Whether the plan is to return home or be transferred to rehab or other care center, a hospital discharge often comes with lots of... Read more
Pathways to Effective Communication for Health-Care Providers and Caregivers
As a caregiver, effective communication between you and your loved one's health care team is essential. Doctors rely on you to give them important clues and information about their patient's status and home situation, and you rely on them for the... Read more
Senior Citizen Health: How to Prevent Falling
Falls pose a huge risk for Americans aged 65 and above. According to the Centers for Disease Control (CDC): Approximately 2.5 million elderly people are treated in emergency rooms every year because of falls. One in three people over age 65 falls... Read more
Caregiver Resource: Holding a Family Meeting
As a caregiver for an ill or aging parent or family member, you know that family cooperation can be extremely valuable in helping you provide good care and minimize stress. A family meeting is often recommended by counselors and social workers as a great... 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
Does Medicare Cover Ostomy Supplies?
An ostomy is a surgical procedure that creates an opening (stoma) to the outside of the body from an organ or system inside the body, according to the National Institutes of Health (NIH). These openings may be temporary or permanent, depending on your... 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
Arthritis Overview: Types, Symptoms, and Treatment
According to the Arthritis Foundation, over 50 million Americans have some form of arthritis, and one in five adults suffers from this painful joint disease, making it the leading cause of disability in the United States. If you or someone you love has been... 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 Prostate Exams?
Prostate cancer is the second most common cancer in men and the third leading source of cancer deaths among men in America according to the American Cancer Society. Fortunately, if you are a Medicare beneficiary, Medicare covers prostate exams and... 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
Dental Care for Patients with Dementia
Maintaining good dental hygiene for people with dementia can be difficult, but it's important to make it a part of your daily care routine. According to the Alzheimer's Association, prevention will be the goal of dental care in the early stages of dementia... 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
What Does Inpatient Versus Outpatient Mean for Medicare?
From your perspective as a patient, the terms "inpatient" versus "outpatient," or even "under observation," may not matter very much regarding your care. But if you're covered by Medicare, the terms matter a lot. Under Original Medicare (Part A and Part... 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 Tetanus (TDAP) Shots?
If your doctor has recommended that you receive a tetanus, diphtheria, and pertussis (TDAP) shot and you are a Medicare beneficiary, your vaccination may be covered if you are enrolled in a Medicare plan with prescription drug benefits. The Part B program... 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 UnitedHealthcare Offer?
Are you new to Medicare or interested in exploring some of your Medicare coverage choices beyond Original Medicare? UnitedHealthcare offers a variety of Medicare plans, including Medicare Advantage plans, Medicare Part D prescription drug coverage, and... Read more
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
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 Anthem Medicare Plans Cover Routine Vision Services?
If you're shopping for Medicare vision coverage, you may be interested in Anthem Medicare Advantage or Anthem Extras plans to help you manage your out-of-pocket costs for routine vision care. Learn more about Anthem Medicare vision coverage and... 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
What Types of Medicare Part D Coverage Does Humana Offer?
Medicare Part D prescription drug coverage is available through Medicare-contracted private insurance companies such as Humana. How you can get it depends on whether you're enrolled in Original Medicare or Medicare Part C (Medicare Advantage). Whether... Read more
How Can I Find Out if My Prescription Drugs Are Covered by My Humana Plan?
Do you have Medicare prescription drug coverage through a Medicare plan from Humana? You can get this coverage through a Medicare Advantage Prescription Drug plan, or a stand-alone Medicare Part D Prescription Drug Plan. Both types of plans are available... 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
Does Medicare Cover Flomax?
If your doctor has prescribed Flomax, or the Flomax generic equivalent, tamsulosin, you might wonder whether Medicare covers it. According to the Food and Drug Administration, Flomax is used to treat enlarged prostates in men. Flomax is in a class of... Read more
Know Your Medicare Rights if You’re Denied Coverage
What if you have Medicare and you need an item or service, but you find it isn't covered? You have certain appeal rights if coverage is denied, including coverage of a prescription drug you need. If Original Medicare, or your Medicare Advantage plan or... Read more
Changes in Medicare When Moving to Another State
Are you moving to another state, or did you move recently? It's probably a busy time for you, but you may need to complete a few tasks to make sure your Medicare and Social Security benefits continue smoothly. This article shows you how to proceed when you... Read more
The Medicare Part D Coverage Gap (“Donut Hole”) Made Simple
When it comes to Medicare prescription drug coverage, you might have questions surrounding the Medicare Part D coverage gap, also known as the “donut hole.” The coverage gap is a temporary limit on what most Medicare Part D Prescription Drug Plans or... Read more
2018 Medicare Prices and Out-of-Pocket Costs
Your out-of-pocket Medicare costs may change from one year to the next. Stay up to date on Medicare premiums, deductibles, copayments, and coinsurance costs in 2018. Medicare Part A, hospital coverage Medicare Part A helps cover inpatient hospital care,... 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
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 Lift Chairs?
Medicare may cover the seat-lift mechanism of your lift chair if you meet certain conditions. Learn how Medicare coverage of lift chairs works. What is a lift chair? A “lift chair,” also known as a seat lift chair, refers to a chair with a motorized... Read more
Does Medicare Cover Gynecology?
Gynecology, often grouped with obstetrics, is a branch of medicine that specializes in the diagnosis and treatment of diseases of the female reproductive organs, according to the National Cancer Institute. Gynecology also specializes in other women’s health... Read more
Does Medicare Cover Xanax?
If your doctor prescribes Xanax for you, you might have questions about Medicare coverage of this prescription drug. What is Xanax? Xanax (generic name: alprazolam) is a prescription medication that your doctor may prescribe to treat anxiety, according to... Read more
Does Medicare Cover Levaquin?
If Levaquin is what your doctor prescribed, you may be curious whether Medicare covers it. Medicare coverage of prescription drugs like Levaquin is discussed below. What is Levaquin? Levaquin (generic name levofloxacin) belongs to a class of antibiotics... Read more
Does Medicare Cover Dental Implants?
Does your dentist say you need dental implants? If you're not sure about the details of Medicare dental coverage, we hope you find this overview about Medicare and dental implants useful. If you're like many Medicare beneficiaries, you might already be... Read more
Does Medicare Cover 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
Does Medicare Cover Orthotics?
Your doctor may prescribe orthotic devices, or braces, to support weak joints or muscles. If you have foot pain or other health conditions involving your feet, your podiatrist or other provider might prescribe custom orthotics for your feet. Medicare Part B... 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
Does Medicare Cover Hip Replacements?
Original Medicare, Part A and Part B, may cover medically necessary surgery and related doctor’s services, and this may include hip replacements. Medicare Advantage and Medicare Supplement may also cover some costs associated with a hip replacement. What... Read more
Does Medicare cover Sterapred?
Sterapred is a brand-name preparation of prednisone. According to the National Institutes of Health's Medline Plus website, prednisone is a corticosteroid used to treat a wide variety of conditions, including arthritis, multiple sclerosis, lupus, certain... Read more
Does Medicare Cover 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
Does Medicare Cover Cozaar?
Did your doctor prescribe Cozaar for you (or the Cozaar generic, losartan)? Let's talk about Medicare coverage of this prescription. What is Cozaar? Cozaar (generic name losartan) is a high blood pressure medication available by prescription. According... 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
Medicare Copayments, Coinsurance, and Annual Deductibles Explained
While the Medicare program provides health-care coverage, it does not exempt you from all out-of-pocket costs. There are instances where you are responsible for paying for a share of your health coverage. Whether you’re talking about Original Medicare, Part... Read more
Medicare Supplement Plans and Medical Underwriting
Medical underwriting is a practice employed by private health insurers when determining if they will provide coverage to a prospective beneficiary. During the underwriting process, an applicant may be required to undergo a physical examination, and the... 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 Colorado
You may want to consider all of your Medicare plan options in Colorado before choosing a plan. This page helps you review what’s available while offering Medicare.com’s plan comparison tool to examine plan pricing options and plan details. About Medicare... 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 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 North Carolina
In addition to Original Medicare, Part A and Part B, beneficiaries in North Carolina may be able to choose from a range of Medicare plan offerings. Options may include Medicare Advantage, Medicare Part D prescription drug coverage, and Medicare Supplement... 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
Medicare in West Virginia
If you're new to Medicare in West Virginia, you may be wondering how the health insurance program works. As a Medicare beneficiary, you may have many choices available to you, and it's important to carefully compare and consider all options. Here's an... 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
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
Switching Medicare Supplement (Medigap) Policies
If you have Medicare Supplement (Medigap) insurance, you may be wondering if you should consider changing plans. if you're satisfied with your current Medigap plan, a good option is usually to stay with your plan for as long as the coverage and... Read more
Medicare Part D — Prescription Drug Coverage
What is Medicare Part D prescription drug coverage? As a Medicare beneficiary, you don’t automatically get Medicare Part D prescription drug coverage. This Medicare Part D coverage is optional, but can be valuable if you take medications. If you don’t... 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