February 11, 2017 Leave a comment
…. it’s great to hear results. Read more of this post
Life, Medicare & Long Term Care Insurance Specialist
May 6, 2015 Leave a comment
What is Long Term Care? Almost 70% of people turning 65 will need long term care at some point in their lives. Long term care is when we need help with two or more daily activities such as bathing, dressing, eating or using the bathroom. (i) Care can be provided in a nursing home, assisted care facility or at home.
Costs vary depending on whether the care is provided in our home, in an assisted living facility or nursing home. (Here is a helpful link to look up the cost of care in your area.) You’ll see nursing home costs are about double that of home care.
Doesn’t Medicare Pay These Costs? Don’t count on it. Part A covers skilled nursing care in a skilled nursing facility (not home care) under certain conditions for a limited time; and even then it’s usually related to a hospital stay and discharge. (ii) And, no, Medicare does not cover long term or custodial care. (iii)
So, How Would I Pay for This?
In the U.S., 10,000 people turn 65 daily. Most do not have the financial reserves or long term care insurance protection against what could wipe out your lifetime of savings and accumulated assets. Why not? Well,the three reasons why people defer obtaining a long term care policy are:
And So How Does Short Term Compare to Long Term Care Protection?
| Short Term Care
|| Long Term Care
Call me at (518) 346-2115 and we can review the 10 Yes /No eligibility questions and create your customized premium quote.
|Please visit and follow our Facebook Page.||Daniel G. Alcorn, a licensed and independent agent, represents licensed insurance companies in Massachusetts and New York. Dan may receive compensation for individual enrollments in Medicare Advantage, Medicare Supplemental Insurance , Medicare Prescription Drug or Long Term Care /Short Term Care plans.|
February 6, 2015 2 Comments
Who Is Eligible to Enroll?
What Does EPIC Cost?
EPIC has two plans based on your income.
What Are The Benefits?
For Existing EPIC Members – Annual Renewal Process
And, of course, if you have any questions about your Part D prescription drug coverage please don’t hesitate to call me at (518) 346-2115.
February 1, 2015 1 Comment
Most Medicare beneficiaries pay $0 for the Part A hospitalization benefits if they or their spouse paid Medicare taxes while they worked.
For Part B medical insurance, most people pay the standard $104.90 monthly premium.
Together with the EPIC Prescription Drug Program, this New York State Medicare Assistance program can help seniors with the cost of healthcare. I am available to assist with education and enrollment (518) 346-2115.
Download 2014 NY State Medicare Part B assistance Form
June 21, 2014 Leave a comment
The Family Caregivers Kit is a collection of publications that help you understand your duties as an agent under a power of attorney, keep track of medications, protect your loved ones from scams, and more.
PUBLICATIONS FEATURED IN THE FREE FAMILY CAREGIVERS KIT
( Download Adobe Reader to view these publications.)
As an independent licensed Life, Accident and Health Insurance professional, I represent several insurance companies authorized to conduct business in New York. For more information about how affordable insurance can protect your assets and provide you greater control over your financial planning, please contact me at (518) 346-2115 for a confidential and complimentary consultation.
"This service is provided by the Consumer Financial Protection Bureau, Food and Drug Administration's Office of Women's Health and the Federal Citizen Information Center at the General Services Administration."