The “Sweet Spot” in Medicare

The HDG and HDF supplements offer a great balance of low monthly premium and moderate out of pocket costs.  As you know from some of my other articles sticking with traditional Medicare and a supplement can give you better control of your healthcare as you won’t...

Traditional Medicare vs Medicare Advantage?

Traditional Medicare vs Medicare Advantage plan?  Which way do I go?  Do I choose a Medicare Advantage plan that has a built in pharmacy benefit?  Or do I go with Traditional Medicare and get a separate part D plan and a separate supplement…and then which supplement? ...

When Your 80/20 Becomes 65/35

Part B of Medicare works like an 80/20 plan.  Hypothetically, if an office visit were to cost $100; Medicare would pay $80 and you would pay $20.  That’s not a bad deal at all.  Did you know that there are times when that is not the case?  Some doctors will work...

A Fundraising Website or Life Insurance?

This year I have had the misfortune to have several people I know to request money on crowdfunding sites. There are great sites that help people raise money for charities, personal projects, medical bills, etc.  The requests I have had sent to me were because someone...