“Tips to Remember When Selecting a Long-Term Care Insurance Plan”

English Before you choose a specific policy, check out the company. Be sure that the company you choose is likely to be around and solvent for a long time. Pick a company with a financial rating of B+ or better from financial-ratings services such as A.M. Best, Moody’s, Standard & Poor’s, and Weiss.. Make sure […]

“Reviewing Your Advance Directive”

In the words of former Supreme Court Justice Benjamin Cardozo, “Every human being of adult years and sound mind has a right to determine what shall be done with his own body.” Health-care advance directives are legal tools that enable you to choose one or more people to make health-care decisions on your behalf when […]

“Crossing State Lines: Is My Advance Directive Still Good?”

Health-care providers normally try to respect your wishes, regardless of the form you use to indicate those wishes or the state in which you executed the form. Only if you spend significant amounts of time in more than one state do you seriously need to consider executing an advance directive for each state. In such […]

“The New Medicare: Part D”

As most people know, the federal government provides a program of basic health care insurance for older and disabled persons called Medicare. Practically everyone age 65 and older is eligible for Medicare, which consists of three main parts. Medicare Part A covers medically necessary care in hospitals and other facilities, such as skilled nursing facilities […]

“Standard Benefits Under Medicare Part D”

The table below shows the standard benefits provided under Medicare Part D. As explained in “The New Medicare: Part D,” plans may differ. AMOUNT OF DRUG COSTS (per year) WHO PAYS WHAT? $250 or less Plan pays zero Beneficiary pays initial deductible of $250 $251 – $2,250 Plan pays 75 percent Beneficiary pays 25 percent […]