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The One Big Beautiful Bill Act

OBBBA has passed. What’s in it?

It’s difficult to find non-partisan interpretations of what’s in this bill. It’s difficult to see the misinformation that has been floating around that Medicare and Social Security are ending. Medicare and Social Security are NOT ending. However, Medicaid...

This Article is the 5^th and Final in a Series on “Medicare Does Not Cover Long-Term Care after 100 Days”

The last article focused on ways to qualify for Medicaid to pay for Long Term Care (LTC).

At the opposite end of the spectrum are those who can afford to...

This Article is 4^th in a Series on “Medicare does not cover Long-Term Care after 100 Days”

Medicaid is the nation’s largest public payer of long-term care.

Eligibility for Medicaid Long-Term Care

Medicaid requirements are established by each state. Most recipients of Medicaid long-term care assistance come from the low-income...

Medicare Does Not Cover Long Term Care After 100 Days Part 3

Understanding the Truth About Medicare and Long-Term Care

Many people mistakenly believe that Medicare covers long-term care — but that’s not the case. Medicare is designed to cover medical expenses for acute conditions, such as a stroke or...

“Medicare does not cover long-term care after 100 days

This article is 2^nd in a Series on Long Term Care

Have you ever asked yourself: “What are the chances that I’ll need long-term care?” As people age, their risk of needing long-term care services rises. According to the U.S. Department...

Medicare does not cover long-term care after 100 days

This article is 1st in a Series on Long Term Care.

As life expectancy continues to climb, more Americans are facing a question that few are prepared to answer: “What happens when I need long-term care?” Long-term care (LTC) is no...

Steps to Take If Your Medical Claim is Denied

You probably have heard that Medical claims sometimes get denied by insurance companies. Sometimes, the insurance company denies the claim simply because Medicare or the policy does not cover that service. Sometimes, there are coding errors. Coding errors and incomplete information...

Using an Annuity in Retirement Planning

An annuity is a contract with an insurance company designed to provide a consistent stream of income, or to protect against principal loss, and can be a valuable tool in retirement planning.

The insurance company manages both the investment and mortality risk, providing predictable, guaranteed income...

Protect Your Assets with an Irrevocable Funeral Expense Trust

The high costs associated with aging represent one of the greatest financial risks Americans face in their later years. Planning for these expenses is essential to ensure the peace of mind that comes with knowing that your financial future is secure...

It's Official! 2025 Part B will be $185/month. Part B Deductible $257.

IRMAA (Income Related Monthly Adjustment Amounts) are below.