What If You Can’t Afford Medicare Or Medicaid? Part # 3

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Applying 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 get coverage by the QMB, SLMB, or QI plans, you must file  a written claim separate from your Medicare claim. If you are found ineligible for one plan, you may still be found eligible for one of the others.

Where to File:

To qualify for the QMB, SLMB, or Q I plans, you must file a written claim with the agency that handles Medicaid in your state-usually your county’s Department of Social Services or Social Welfare Department. (more…)

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Why Seniors Should Be Taking A Baby Aspirin Twice A day

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Anyone 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 and most comprehensive analysis of the use of aspirin.

It can happen at any time at any age: (more…)

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How Kefir Milk Shakes Can Provide Health Benefits For Seniors

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Forget 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 and yeast culture clusters. (more…)

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What Is And Why You Need A Health Care Proxy?

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Health 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 confidence in, for instance, a relative or intimate acquaintance – to make well-being choices for you if you lose the capacity to make evaluations on your own. (more…)

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How Seniors Can Benefit From AHCC, But What Is It?

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What Is AHCC And How Can It Benefit You?

AHCC stands for (Active Hexose Correlated Compound) it is found in mushrooms that are specially cultured to produce a fungus that strengthens the body’s immune system.

Supplement companies combine several types of mushrooms and extract the healing powers of each to create AHCC. (more…)

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NO! Medicare Does NOT Cover Everything!

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NO! Medicare Does NOT Cover Everything!

One of the most frequently asked questions by Medicare beneficiaries is “is this service or treatment covered by Medicare?”

The Medicare program and associated Medicare health plans are extremely complex and most mature adults have difficulty understanding and remembering all of the rules, regulations and coverage.

NO! Medicare does not cover everything!

Health care services or supplies need to be medically necessary according to accepted standards of medicine to prevent, diagnose or treat an illness, injury, condition, disease or its symptoms; therefore, if they are deemed “medically unnecessary” by health care officials, they will not be covered.

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How Water Can Prevent HEART ATTACKS

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Most people do not want to drink water before they go to bed, because they know they will have to get up during the night.

Gravity retains water in the lower part of your body when you are standing. When you lie down and the lower body is level with the kidneys, it is then that the kidneys remove the water because it is easier. You need a minimum of water to help flush toxins from your body.

When You Drink The Water Is Also Important:

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Turning 65 This Year? Come Party With Us!

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Turning 65 This Year? Come Party With Us!

Turning 65 means it’s time to enroll in Original Medicare and choose either a Medicare Advantage or a Medicare Supplement Plan.

Insureds.com offers a monthly “Turning 65 Birthday Cake & Learn Too Party ” held at our offices at 1145 Route 55, Suite # 3, Omni Financial Offices, Lagrangeville, N.Y. 12540 – Tel 845-452-4311 Located in front of Arlington H.S.—-

Turning 65 Birthday-Come Party With Us!

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