Help us find Medicare beneficiaries who might qualify for extra help with their Medicare prescription drug plan costs. We are asking family members, caregivers and [...]

1. Insurance can be expensive, but not so much as not having any!
There are many ways to save money on insurance, but going without coverage isn’t one of them. Medical bills from even a minor car accident can delete your savings – a major illness can push you into bankruptcy.
2. Comparing options can be confusing!
There [...]

As of January 1, 2006, elderly and disabled people on Medicare have access to an outpatient prescription drug benefit (Medicare Part D) offered through private drug plans. The drug benefit includes substantial premium and cost-sharing subsidies for Medicare beneficiaries with low incomes and modest resources, including beneficiaries eligible for full Medicaid benefits (dual eligibles), [...]

So much attention is focused on the Annual Coordinated Election Period (AEP) for Medicare Advantage (MA) plans and prescription drug plans (PDPs) that beneficiaries and their advocates may be unaware of other Medicare enrollment periods. These enrollment periods and their acronyms are confusing and overlapping. A beneficiary who does not act [...]

Medicare Advantage Plans
Medicare Advantage Plans are health plan options that are part of the Medicare program. If you join one of these plans, you generally get all your Medicare-covered health care through that plan. This coverage can include prescription drug coverage. Medicare Advantage Plans include:

Medicare Health Maintenance Organization (HMOs)
Preferred Provider Organizations (PPO)
Private [...]

 
Individual Medical Insurance
Reliable Medical Insurance is something none of us should ever be without.
Why You need Medical Insurance
Health care, especially in emergency situations, can be very costly for most people to afford on their own. But foregoing hospital and physician care is not a reasonable risk to take on. [...]

A health maintenance organization (HMO) is a type of managed care organization (MCO) that provides a form of health care coverage in the United States that is fulfilled through hospitals, doctors, and other providers with which the HMO has a contract. The Health Maintenance Organization Act of 1973 required employers with 25 or more employees [...]