What Is Depression? Depression is a medical condition characterized by feeling sad, feeling of hopelessness; low self-esteem; and loss of interest in things they normally enjoy. Senior citizens are prone to changes in life that can lead them to feel depressed. Life throws us many curve balls, life changes,...
Continue readingIf you’re going to turn age 65 you must make choices about your healthcare and finances. Three months before – or in the three months following, your 65th birthday, you must do the Following: Healthcare Choices:
Continue readingA form of life insurance with a long term care rider. Qualified long-term care benefits include: Many benefits including: Long Term Care, Return Of Premium Rider and a Death Benefit: Home healthcare, assisted living, nursing home, adult daycare, personal care services, hospice services, alternative care services. Benefits may vary...
Continue readingApplying for QMB, SLMB, or QI, (the what?) QMB- The qualified Medicare Beneficiary program SLMB- Specified Low-Income Medicare Beneficiary program QI- Qualified Individual program These programs help Medicare beneficiaries of modest means pay all or some of Medicare’s cost sharing amounts (ie. premiums, deductibles and copayments). Before you...
Continue readingWhat is Medicaid and How Can You Qualify Part # 2 Many people who are elderly or have disabilities have trouble paying the portion of medical bills left unpaid by Medicare and cannot afford private supplement insurance or a Medicare Advantage plan, but do not qualify for Medicaid. If...
Continue readingApplying for QMB, SLMB, or QI, (the what?) QMB- The qualified Medicare Beneficiary program SLMB- Specified Low-Income Medicare Beneficiary program QI- Qualified Individual program These programs help Medicare beneficiaries of modest means pay all or some of Medicare’s cost sharing amounts (ie. premiums, deductibles and copayments). Before you can...
Continue readingAnyone aged 50 and above should take 2 baby aspirins a day. Two Aspirins a day can prevent a third of colon, throat and stomach cancers and can reduce the risk of death in some cases. Hundreds of thousands of lives would be saved as reported by the largest...
Continue readingNo cooking is involved in this recipe! A Kefir milk shake has over 30 micro-floras due to the fermentation probiotic action of its bacteria and yeast culture clusters. Commercial Yogurt has few Probiotics and is expensive.
Continue readingForget about expensive commercial Yogurt that you buy in the supermarket, and comes with only a few probiotics. As you age you need all the microorganism help you can get to stay healthy. A Kefir milk shake, has over 30 micro-floras, due to the fermentation action of it’s bacteria...
Continue readingHealth Care Proxy is a legal document in which a person can appoint someone to make decisions about medical treatment in the event that he or she is no longer mentally competent or able to communicate. The New York Health Care Proxy Law lets you select someone you have...
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Medicare Updates
