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ACA saves Medicare beneficiaries billions in drug costs

Millions of Medicare beneficiaries have saved money on prescription drugs due to the Affordable Care Act (ACA), according to recent data from the Department of Health and Human Services (HHS). From 2010 to 2014, the ACA’s Medicare Part D changes helped 7.9 million Medicare beneficiaries save approximately $9.9 billion on prescription drugs, according to HHS data.

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International Medicare and Medigap coverage

Clothing — check. Passport — check. Medical coverage? If you are enrolled in Medicare and planning a vacation abroad, you should review what international medical services are covered under Medicare and Medigap. Original Medicare health insurance provides limited international medical coverage. If you need health care coverage outside of the United States, you may want […]

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What is long-term care insurance?

Long-term care insurance* is an optional form of insurance that provides extended coverage for health care services and support systems you may need after reaching a point when you can no longer care for yourself. Long-term care can be provided in your home, a community organization, or other facility. Long-term care is a general term […]

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Pre-standardized Medigap plans

Pre-standardized Medigap plans are plans sold before July 1992. Before 1980, Medigap plans (also called Medicare Supplement Insurance) were regulated solely by individual states, according to a report by the Office of Inspector General for the U.S. Department of Health and Human Services (HHS). The report states that lack of federal oversight in the Medigap industry […]

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Does Medicare cover sleep apnea equipment?

Medicare does cover CPAP machine therapy if you are diagnosed with sleep apnea. According to, you are eligible for sleep apnea treatment options, but only if you are enrolled in Medicare Part B and have been diagnosed with obstructive sleep apnea. If you have been formally diagnosed with sleep apnea, you are likely eligible for […]

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Does Medicare cover dialysis and kidney transplants?

Medicare and Medicare Supplement insurance provide expansive coverage for dialysis and kidney transplants, two common treatments for End Stage Renal Disease (ESRD). ESRD is a condition where your kidneys lose most of their function or stop working completely. When functioning properly, kidneys help filter the body’s blood, prevent the buildup of body waste, keep electrolytes […]

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What if I cannot afford Medicare?

Medicare was developed to expand medical care and health insurance affordability for citizens who are disabled or 65 and older. Original Medicare (Medicare Parts A and B) provides many benefits, but you may have to pay out-of-pocket costs to use those benefits. Medicare coverage comes with monthly premiums, deductibles, co-payments, co-insurance, and other out-of-pocket costs. […]

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What are Medicare Part B excess charges?

A Medicare Part B excess charges are the cost difference between the Medicare-approved insurance payment amount for a medical service and the amount your health care provider typically charges for that service. Medicare Part B excess charges only occur if your doctor does not accept Medicare assignment. If your physician accepts Medicare assignment, he or she must […]

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10 facts about Medicare

Medicare can be overwhelming, so it is important to start with the basics. Listed below are 10 Medicare facts you should know. Fact 1: Medicare is for seniors and the disabled Medicare is a federally-funded health insurance program for people age 65 or older and some younger people who have qualifying disabilities or who have […]

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What is Medicare SELECT?

Medicare SELECT is a form of Medicare Supplement insurance that requires you to use specific medical facilities and doctors that are within the plan’s network. Unlike regular Medigap plans that provide coverage for approved services performed anywhere that accepts Medicare, Medicare SELECT plans are more restrictive. Your insurance provider pre-determines a network of hospitals, medical […]

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