What Is Medicare Supplement Plan N?
Medicare Supplement Plan N helps cover out-of-pocket costs from Medicare Part A and B, including hospital stays, skilled nursing, and blood transfusions, but excludes the Part B deductible and excess charges. Monthly premiums range from $109 to $183 for a 65-year-old non-smoker in California. Enrollment is best during the six-month Medigap open enrollment to avoid […]
Living Wills: Why Every Adult Should Have One
A living will is a legal document outlining your medical treatment preferences if you're unable to communicate. It specifies which treatments you want or don't want during emergencies or serious illness.
Top Tips for Finding Affordable Health Insurance Plans
Understanding healthcare needs and budget is key to navigating health insurance. Evaluate personal and family health status, preferred providers, and all costs, including premiums and out-of-pocket expenses. Use resources like the Health Insurance Marketplace and employer plans, look for ACA subsidies, and consider high-deductible plans for low usage. Ensure the plan's network and benefits fit […]
What Is Medicare, and What Does It Cover?
Medicare is a federal health insurance program for those 65+ or with certain disabilities, consisting of Parts A (hospital care), B (doctor visits), C (Medicare Advantage), and D (prescription drugs). Original Medicare includes Parts A and B, with separate Part D and Medigap options. Medicare Advantage combines A, B, and usually D with extra benefits. […]
If your policy has lapsed. Act fast.
Why Health Insurance in California Stays Affordable
California’s avg employee premium is $1,356, with a family deductible of $3,167 and a single-payer deductible of $1,490. The state launched the Office of Health Care Affordability in 2022 to slow spending growth and improve efficiency. California also enforces an individual mandate requiring residents to have coverage or pay a penalty. Its uninsured rate dropped […]
How many in California and the Bay Area could be affected by Affordable Care Act changes?
Nearly 2 million Californians are enrolled in Covered California, with over 360,000 in the Bay Area. From 2021 to 2025, statewide enrollment grew from 1.63 million to 1.98 million, driven by a 39% rise in new enrollments and 19% in renewals. Bay Area enrollment increased 5.9%, led by Alameda and Santa Clara counties. Most counties […]
What are ‘Partnership for Long-Term Care’ programs?
Medicaid covers long-term care for low-income individuals, but requires spending down assets to qualify. In California, Connecticut, Indiana, and New York, the Partnership for Long-Term Care program allows participants to keep assets equal to insurance benefits paid before qualifying for Medicaid. Policies must meet state requirements, offering benefits like inflation protection and care coordination. Connecticut […]
Is Medicare Part C Worth It? Here’s the Catch.
Medicare Part C, or Medicare Advantage, combines Parts A and B and often includes Part D prescription drug coverage.
What Does Dental Insurance Cover?
