7 Things You
Should Know About Health Savings Account
Plans
By Steve Long
 Health
savings accounts (HSAs) are wildly popular.
Since their introduction in 2004,
approximately 2.5 million Americans have
enrolled in these so-called consumer-driven
health plans. But, alas, HSA plans are not
for everyone. Here are some pointers to help
you consider whether an HSA will benefit you
and your family.
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How to
Buy a Medicare Plan
By Penny Courtney
 Did you ever think turning 65 would be
such a difficult thing when it came to
your health care needs?
Well, I am here to tell you that it
doesn't have to be stressful at all.
Here are a few simple steps to get you
through the process with minimal angst.
First off, do not think you can decipher
the Medicare process by searching on the
internet, you will only become more
confused. You really need to sit down
with a Senior Market Specialist who has
been trained in this field and guide you
along the way. All insurance agents can
"sell" Medicare plans, only a Senior
Market Specialist has had additional
training in the market for which you are
shopping.
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 The
Medicare Part D Drug Program: Making the
Most of the Benefit By
Jack E. Fincham
Purchase For:
$19.95
What is the Medicare Part D Drug
Benefit? How does it work? Am I
eligible? How can I apply? The only book
of its kind, this practical guidebook
offers the answers to these questions
and much more! Whether you're a senior,
caregiver, or practicing healthcare
professional, The Medicare Part D Drug
Program: Making the Most of the Benefit
clearly and concisely explains how the
Medicare Part D Drug Benefit works,
where to obtain clarification and
further information about the Program,
how and when to apply, and how to use
the Benefit to help seniors.
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Medicare Overview
By The US Department of Health & Human
Services
 Medicare
covers many of your health care needs.
Today’s Medicare is working with private
companies approved by Medicare that
provide different ways to get your
health care and prescription drug
coverage in the Medicare Program. The
Medicare plan that you choose affects
many things like cost, benefits, doctor
choice, convenience, and quality. Your
Medicare plan choices include:
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Americans
Shocked to Learn that Medicare Does Not Pay
for All Healthcare Expenses
By Pamela Dombrowski-Wilson
Forty percent of Americans believe that
Medicare pays for all healthcare needs after
age 65. The majority of older adults are
unprepared and shocked to learn they have to
pay out of pocket for expenses they believed
to be reimbursed by Medicare insurance.
Getting older and having healthcare issues
can be financially and personally disastrous
especially for those who are unprepared.
What happens when your expenses for
maintaining your home and your healthcare
expenses exceed your income? What happens
when you require a lengthy stay in a skilled
nursing facility and have to pay $128 per
day out of pocket? Just when you thought
things could not possibly get worse, the
costs start adding up quickly. If you have
not saved properly you may have to
re-mortgage or sell your home to pay
healthcare bills. If you are single or
widowed and lack a support system, the
stress of the situation can wreak havoc with
your life and your health.
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Insurance
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Buying Long
Term Care Insurance
By Peter Kenny
There was a time when buying long term care
insurance was fairly easy and pretty cut and
dry. Times have changed for this particular
type of insurance and anyone considering
buying it would do well to spend some time
investigating carriers and coverage levels
as well as premiums.
Generally speaking, the cost for a nursing
home resident today is about $71,000
annually, which works out to around $200 a
day. The cost for non-resident, assisted
living comes in at around $32,000 a year, or
$88 dollars a day. In both cases, that is a
lot of money over the course of time.
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 J.K.
Lasser's Choosing the Right Long-Term Care
Insurance
By Ben Lipson
Purchase For: $24.95
Review
" Ben Lipson's extremely readable new book
is the best I've seen in many years on
long-term care insurance. He has the inside
knowledge of a salesman and the no-nonsense
style of a journalist. The real point Lipson
stressed is "to live out your life
independently and with dignity. Never buy a
policy out of fear driven by emotional
blackmail. Just do your homework and learn
the true facts."--Judy Foreman, The
Boston Globe |
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