• Ask The Advisor: June 2017 Is Congress Doing Anything At All To Address Prescription Drug Prices? Q: I was relieved when the vote to repeal and replace Obamacare failed. Could you tell me if the bill contained any provisions to lower drug costs? What does Congress plan to do now to lower drug costs? A: Although high prescription drug costs were a ...
  • Q & A: April 2017 Q: I’m still working and will turn 65 in July of this year.  I currently get my health insurance through my employer.  We have more than 20 employees and I’ve been told I can keep my employer’s health insurance instead of starting Medicare in July.  The health insurance that I have now is pretty expensive ...
  • Ask the Advisor: November 2017 My Sister Is Losing Medicare Extra Help.  What Can We Do? Q:  My sister has a low income and receives Medicare Extra Help with her drug coverage.  She started Social Security when she turned 66, but she still works part time.   We were both upset when she received notification that she is no longer qualified to ...
  • Q & A: August 2016 Do I Have To Give Up My Current Healthcare Coverage To Go On Medicare? Q:  I turn 65 next year, and have very good healthcare coverage through my husband’s employer.  I need Humira for rheumatoid arthritis.  The drug retails for more than $2,250 a dose, which I require monthly.  My husband’s plan normally has a co-pay ...
  • Ask The Advisor: December 2015 Why Did I Hit The Doughnut Hole? Q: I recently hit the Medicare Part D doughnut hole for the first time since I enrolled in Medicare in 2010, but I still take the same medications that I did when I first enrolled. My wife and I were surprised by how high the costs are because we ...
  • Social Security & Medicare Questions: November 2015 Do I Need To Keep My Obamacare Plan If I’m Starting Medicare Next Year? Q: I turn 65 in May, but haven’t started Medicare yet. I plan to continue working until 66 — my full retirement age. I currently get my health coverage through an Obamacare plan. Will I be required to keep that plan for ...
  • Social Security & Medicare Questions: March 2015 Q: My new rheumatoid arthritis prescription is on the highest tier of my drug plan. Before insurance, it costs about $3,322 for 2 injections that I take every month. I just learned that instead of a co-pay like I have with my other prescriptions, I will have to pay 45% co-insurance— more than $1,495 per ...
  • Ask The Advisor: Why Are My Out-of-Pocket Costs So High? Why Are My Out-of-Pocket Costs So High? Q:  Although my Medicare Advantage Plan did not raise premiums much over the past two years, I discovered that I had to pay considerably more out-of-pocket than I expected to this year.  I have a $1,000 deducible, but my costs are already closer to $5,000.  Why would this occur?   A:  ...
  • Social Security & Medicare Questions: Does Medicare Require Me To Get A Referral? Does Medicare Require Me To Get A Referral? Q:  Does Medicare require me to get a referral?  I recently turned 65 and enrolled in a Medicare Advantage plan.  I’m unhappy with a specialist that I’m currently seeing who is spending only a few minutes with me when I visit.  He’s ordered expensive tests and now a ...
  • Social Security & Medicare Questions: Where Can I Get Help With What Medicare Doesn’t Cover? Where Can I Get Help With What Medicare Doesn’t Cover? Q: I’m new to Medicare. I didn’t realize that Medicare doesn’t cover eye or hearing exams like my former insurance at work. My income is pretty low. Where can I go to get these services? A: Misconceptions about Medicare coverage are very widespread. New beneficiaries and their families are frequently ...
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