What is Creditable Prescription Coverage?
Beginning January 1, 2006, Medicare beneficiaries will have the opportunity to receive subsidized prescription drug coverage through the new Medicare Part D program. Beneficiaries who choose not to sign up…
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When is Life insurance taxable to the beneficiary?
When beneficiaries receive a payout from a life insurance policy, they typically don’t have to pay taxes. However, there are a few situations where a portion of the life insurance…
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Do I have to pay my husbands debt after he dies?
Losing your spouse is a painful, confusing time, but add to that repeated calls from an aggressive debt collector and a bad situation suddenly can get even worse. Click here for…
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Will You Be Ready For Long Term Care?
For some, retirement means "where will we play today's round of golf?" For others, it could mean, "do I pay for my meds or my rent?" In either case, a…
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How does Medicare work with my job-based health insurance when I stop working?
Once you stop working, Medicare will pay first and any retiree coverage or supplemental coverage that works with Medicare will pay second. You may be able to get COBRA coverage to continue…
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Medicare Open Enrollment Information
Call us today and compare your choices! This is the time to review your Medicare Advantage or stand alone prescription coverage choices. Think about your Medicare coverage needs for 2022. Carefully review your…
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The Cost of Part B Medicare
Some people automatically get Medicare Part B (Medical Insurance), and some people need to sign up for Part B. Learn how and when you can sign up for Part B. If you…
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Medicare Coverage for Home Health Aide Care
Medicare coverage can help older adults and people with disabilities obtain necessary home care. When individuals meet the home health benefit criteria, Medicare-covered care can include home health aide services.…
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How to spot Medicare fraud
Review your Medicare Summary Notices for errors and report anything suspicious to Medicare. Compare the dates and services on your calendar with the statements you get from Medicare to make…
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Concerns over eldercare beginning to show up in workplace
Without adequate caregiving support for employees, companies incur millions of dollars of hidden costs. More than half of survey respondents say their supervisors were not as supportive as they needed…
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What is Medicare and what does it cover?
Medicare pays for health care for: People age 65 years and olderPeople under age 65 with receiving Social Security Disability benefitsPeople of all ages diagnosed with Amyotrophic Lateral Sclerosis (ALS…
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Ask Your Legislators to Put an End to the Observation-Status Loophole
Currently, Medicare beneficiaries who are not officially admitted to a hospital may be classified under “observation status,” which is treated as an outpatient procedure for billing purposes. Unfortunately, the common…
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World Elder Abuse Awareness Day
June 15th is World Elder Abuse Awareness Day (WEAAD). This day provides an opportunity for communities around the world to promote a better understanding of abuse and neglect of older…
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How do Medicare Advantage Plans work?
Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are an “all in one” alternative to Original Medicare. They are offered by private companies approved by Medicare. If you…
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Center for Medicare & Medicaid – CMS Fraud Prevention Initiative
The federal government has made important strides in reducing fraud, waste and improper payments across the government. The Affordable Care Act provided additional resources and tools to enable the Centers…
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Extra Help with Part D
What is Extra Help with Medicare prescription drug plan costs? Anyone who has Medicare can get Medicare prescription drug coverage. Some people with limited resources and income also may be…
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Are COVID-19 vaccines covered by Medicare?
Vaccines are getting increasingly more available. Are you wondering how it will be coverage if you have Medicare? Administration and vaccine cost are covered by Part B of Medicare. For…
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Women Worry More Than Men About Senior Healthcare Costs, Data Shows
Medical care is a significant retirement expense. Here's how to plan for it It's no secret that healthcare is a huge expense for seniors. But new data from MedicareGuide.com reveals that women…
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Long Term Care Insurance
Last Updated 10/5/2020 Issue: The long-term care insurance (LTCI) market has evolved significantly since the introduction of LTCI in the 1960s. In the past decade, the market has grown from covering…
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Life insurance is for those who stay behind, it is for those to continue to live
Understand What Life Insurance Is - Life insurance pays a death benefit if you die while the policy is in effect, in exchange for premiums you pay before your death.…
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What Is A Serious Illness?
It is never easy for a patient to receive a diagnosis with a serious illness. Patients and their loved ones must navigate treatments, planning, setbacks, and numerous challenges while dealing…
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Federal Issue Coverage Plan for COVID-19 Vaccine & Treatments
WASHINGTON (AP) — Federal health officials Wednesday issued insurance coverage rules designed to deliver on the promise that every American will have access to free COVID-19 vaccines when they are…
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Premiums for Part B & Part D for 2021
Part B - Premium and IRMAA* (*Income-related monthly adjustment amount) Part B covers 2 types of services Medically necessary services: Services or supplies that are needed to diagnose or treat…
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Deloitte: Medicare Advantage plans that don’t embrace telehealth ‘will get left behind’
COVID-19 has dramatically accelerated the adoption of digital health, and a new analysis from Deloitte finds that trend extends similarly to Medicare Advantage (MA) beneficiaries. Deloitte researchers surveyed executives at…
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Assisted Living for Veterans: Benefits You Didn’t Know Existed
Veterans give their all in the service, yet may find it challenging to resume their civilian lives, especially if they suffer from post-traumatic stress disorder (PTSD). Reintegrating into the community…
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Medicare Annual Open Enrollment
Medicare annual open enrollment has begun. This is the time to review all your options, for the choice that best meets your current need. Reviewing items like your out of…
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The Value of Long Term Care Coverage
If a picture is worth a thousand words, imagine what a concept video about Long Term Care Insurance is worth. This video demonstrates the value of LTC coverage and its…
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At-Home Services that Can help Senior Veterans
Original Post By Home Advisor As a senior veteran, you’ve served your country and your loved ones well. Once you enter your golden years, you’ve more than earned the right to enjoy…
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What is Medicare?
Medicare is a federal program that offers health insurance to American citizens and other eligible individuals. The program is often called Original Medicare. It has two parts — Part A…
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Thinking of Opening?
Thinking of opening? See a few guidelines that may help. MONITORING EMPLOYEE HEALTH How to stay safe and monitor employee health while also abiding by: EEOC/ADA regulations (equal employment opportunity/American…
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COVID-19 Change In Status
During the COVID-19 crisis, many people may have to change their status. Different events can trigger a Special Enrollment Period (SEP) for individual coverage. While much of the current attention is focused…
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Protect Yourself From COVID-19 Scams
You may already be taking steps to protect your health during the COVID-19 emergency. Be sure to also protect your identity from scammers by guarding your Medicare Number. It's easy…
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COVID-19 Updates Regarding Insurance
If benefits are needed. See the reference below. Under the guidance, federal law permits significant flexibility for states to amend their laws to provide unemployment insurance benefits in multiple scenarios…
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Leave Of Absence Due To Pregnancy
For more information, visit https://myleavebenefits.nj.gov/worker/maternity/
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What you need to know about Corona Virus – Fact Sheet + Q&A
Below, you can find a Q & A from the Centers for Disease Control & Prevention. Find out more at https://www.cdc.gov/coronavirus/2019-ncov/index.html
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Five Unexpected Ways Life Insurance Can Help Protect Your Family’s Future
A home is a pretty special place. Purchasing a house, is also likely to be one of your largest financial obligations. What would happen to your mortgage if you were…
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Does Medicare Pay For Long-Term Care? Don’t Make A Big Mistake!
Original Article Found Here Rusty had paid for a long-term care policy for many years. Then, one day, his daughter found a cancelation notice for nonpayment of premiums sitting on…
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Dental Information For Those On Medicare
Oral Health The House of Representatives passed H.R. 3, a bill that would lower prescription drug prices and use the savings to add an oral health benefit to Medicare. If…
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The 10 Absolutes for Caregivers
Never ague, instead agree Never reason, instead divert Never shame, instead distract Never lecture, instead reassure Never say remember, instead reminisce Never say 'I told you so', instead repeat/ regroup…
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Medicare 101 Made Easy
Learn About Medicare If you will be entering the Medicare program or have been on Medicare already and would like to use your benefits, it can be over whelming. Deciding…
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Fraud Alert – Genetic Testing Medicare Scam
Have you heard about the latest scam? Scammers are offering “free” genetic tests and claiming Medicare will cover it — so they can get your Medicare Number and use it…
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Re-admissions penalty doing little to slow the spinning of hospitals’ revolving doors
Author of original content: Jeff Lagasse Original article found here. Every American hospital has two front doors: The real one, and an imaginary revolving door. Any patient who winds up…
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When Should You Buy Life Insurance?
Author of original content: Megan Leonhardt Original article found here. Let’s set the record straight: Not everyone needs life insurance. It’s more than likely that you’ll start thinking about needing…
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10 Reasons You May Want Long Term Insurance
Carrera Brokerage is here to help with your concerns and options. Resources from the National Association of Insurance Commission (NAID) Long Term Care can be confusing. Here is some information…
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How Medicare Works With Other Types Of Coverage
The PDF attached below shows some great examples of how Medicare works with other types of coverage, who should pay your bills first, and where to get more help. Click…
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Medicare Part B Fairness Act Introduced
Representatives Katie Hill (D-CA-25) and Brian Babin (R-TX-36) recently introduced The Medicare Part B Fairness Act (H.R. 1788). The bill would limit the amount and duration of the Part B…
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Bills Introduced to Protect Medicare Beneficiaries from Observation Status Coverage Gap
Last week, bipartisan, bicameral legislation was introduced to ensure all Medicare beneficiaries who spend three days or more in a hospital can access post-acute care in a Skilled Nursing Facility…
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How to find and compare hospitals
When you’re comparing hospitals, look for one that: Has the best experience with your condition. Participates in Medicare and is covered by your health plan. Checks and improves the quality…
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Learn About Medicare Parts A, B, C & D
Join us at Louis Bay public library in Hawthorne, NJ. Bring your questions and thoughts. Free event Saturday, March 23rd, starts @ 11 AM. If you will be entering the…
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Confused About Medicare?
Call us , we will be able to help you learn & understand the basics of Medicare, compare Medicare plans, and how it coordinates with other coverage. New to Medicare If…
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Ten Things to Know About Your New Medicare Card
10 things to know about your new Medicare card Medicare is mailing new Medicare cards started in April 2018. Here are 10 things to know about your new Medicare card:…
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Ways to Avoid Part D Late Enrollment Penalty
Join a Medicare drug plan when you're first eligible.You won't have to pay a penalty, even if you've never had prescription drug coverage before. Don't go 63 days or more…
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Transition to Medicare
by Cheryl McCarthy The transition from group health benefits to Medicare is important but confusing. Currently, Medicare and Social Security are involved in determining what individuals will pay toward the…
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Medicare 101 Seminar – Hawthorne, NJ
Come learn a little bit more of your ABCDs of Medicare. Meeting at the Hawthorne Library Sept. 29, 2018 @ 2 pm Is this a topic that gets confusing? Come…
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Final Expense
LUNCH & LEARN Will your current health insurance pay all your final bills? What are my final bills? Who will pay all my final bills? Will my final expenses affect…
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