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One thing about Medicare is that without coverage for the so called gaps, a prolonged hospitalization, for instance, can end up costing you thousands of dollars out of your own pocket. There is a plethora of Medigap insurance plans addressing this issue. Their costs, however, vary widely. So, it's advisable to shop around to find premium savings, especially if you're on a limited budget. Here's an article that offers some tips on sifting through the various options. Read on for more details. Continue Reading »

President Obama insists that those who wish to retain their present health insurance coverage will be able to do so without interference from the Government under any forthcoming Health Care Reform.

He can insist all he wants, but that's not really true in one major aspect. On July 28, 2009 Obama told the AARP that he wants to eliminate $177 billion in subsidies to Medicare Advantage programs which are very popular with seniors because they offer benefits and care coordination which basic Medicare plans do not provide. This means, basically, that he wishes to see Medicare Advantage repealed. However, he smoothes that over with assertions that there will be no change in Medicare benefits to seniors. Continue Reading »

Time for Medicare Enrollment grows short. Each year you are required to make a choice for supplemental coverage. Those choices are terribly varied, and it requires a good deal of scrutiny to determine which one is best suited to your situation. Continue Reading »

While I'm taking note of the fact that I'll be receiving a 5.8% cost of living increase in my Social Security payments come January 2009, I have to laugh. This is touted as the largest increase in 25 years, but falls well short of real inflation. No one seems to know exactly what the "real inflation" rate is. But you can be certain it isn't nearly as low as 5.8%. Continue Reading »

Arriving at the realization that you can no longer live without a mobility electric scooter can be difficult. As a culture, we Americans pride ourselves on being strong and independent. Both aging and medical conditions are seen as "bad" and "weak." Many seem to view aging as a disease process, in and of itself. Admitting that you need an electric motor scooter may be psychologically difficult, as it means coming to terms with your own limitations. Continue Reading »