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Preventive Health Care on Medicare Part 2: For Men

Written by Business Insurance on . Posted in Uncategorized

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Preventative Health Care is one of the most important services for people over 65, and one of the best tools offered by Medicare. This is, at least in part, to help offset the extreme frequency with which Americans suffer from chronic conditions: According to the Commonwealth Fund, 87% of older Americans live with a chronic health condition, with 68% reporting at least two or more.

Preventative Health Services and Screening help to catch these ailments in their infancy in order to reduce their effect and eventual cost, both to the person suffering from the disease and on the Medicare system at large, and ease the burden of managing health care expenses.

In the first post in this four-part series, we discussed how Medicare Plan B health insurance covers all the costs associated with most of the more common preventative screenings and services, from diabetes to depression. In this second installment, we will be talking specifically about the types of preventative services that are recommended for men over 65.

Colorectal Exam

Most men should be well verse with colonoscopy exams and other colorectal screening exams by the time they enroll in Medicare, as the starting age should be at the latest 50, these tests become increasingly important as you age. That is because a 70-year-old is almost three times as likely to be diagnosed with colorectal cancer than a 50-year-old. While these exams have been the subject of sitcom jokes for decades, they remain the best way to identify precancerous polyps or early stages of cancer.

Prostate Exam

Like colorectal exams, the prostate exams should begin well before you have reach Medicare aid, but here, the increased risk as you age is even greater. Between age 50 and 70, the chance of getting prostate cancer in the next ten years more than triples! There are a number of different ways to check for prostate cancer, including prostate specific antigen blood tests and digital rectal exams. Depending on the result of the first two tests, there may need to be a follow up screening.

While these two screening services are specifically more applicable for men, they should also engage in the more general types of screening. In our next installment we will discuss the tests specifically relevant for women.

Part 3: What You Need to Know about Medicare and Cancer

Written by Business Insurance on . Posted in Cancer Care Insurance

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No matter who you are, cancer is a difficult experience. Whether you are struggling with it yourself, or a loved one has recently been diagnosed, it is easy to become overwhelmed by the deluge of information and advice that will come at you from all sides.

 

If you or your loved one is also reliant on Medicare, the process can be even more complicated. In the first two posts in this series, we talked about using Medicare to help finance you or your loved one’s fight against cancer (post one talked about original Medicare, post two focused on parts C and D).

 

In this final installment, we will discuss how both cancer care insurance and Medicare supplement insurance plans might help you.

Supplimental Insurance Plans (or Medigap)

Medigap can be a life saver for anyone living on a budget when diagnosed with cancer. While the premiums can be high, ranging from $100-$200, they offer you a lot more flexibility and tools to fight off your cancer.

 

Typically, they allow a much broader selection of medical facilities, instead of the small net that a Medicare Advance plan will offer. They also allow you to remain on your original Medicare A and B plan which can offer perks like better-regulated coverage.

 

Plan F is the most all-encompassing program currently offered. Even if the cost of the medicine is not covered by Part A or Part B, Plan F will cover them so long as they are Medicare approved.

 

It is important to note that Medigap policies will only cover one person. If you and your spouse want the same benefits, then you must enroll twice according to the Centers for Medicare and Medicaid Services.

Cancer Care Insurance

While cancer car insurance is a newer form of insurance, it is specifically targeted to help reduce the astronomical costs associated with cancer treatment. These programs are slowly growing more and more popular as new statistics emerge that show as many as one-in-four men and one-in-five women die from cancer in the United States.

 

Unlike Medicare options, cancer care insurance also provides assistance with non-medical financial needs while you are undergoing treatment. These can range from child care to dietary support, and even assist you with housing and travel if you live far enough from your treatment center.

 

The main drawback to this type of insurance is that you would typically need to be enrolled before your diagnosis.

 

Cancer is by far the worst plague for the modern American. If you or a loved one suffer from this disease, it is important that you know your options. As we come to the close of this three-part series, hopefully, you are a little better equipped to handle your ailment.

Part 1: What You Need to Know about Medicare and Cancer

Written by Business Insurance on . Posted in Insurance

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Navigating Medicare can be notoriously difficult. Even learning what Medicare does and doesn’t cover can be difficult. But, unfortunately, this process is even more difficult when you or someone you love is dealing with something as serious as cancer.

In this three-part blog post, we will explore some of the best ways to make sure you and your loved ones will receive the care they need during this trying time.

Cancer Treatments and Original Medicare (Medicare A and B)

The most basic form of Medicare, comprised of parts A and B, will offer some support for the most basic needs of you or your loved one. Common treatments such as chemotherapy and radiation therapy will be partially covered, although the amount you are expected to pay will vary depending on whether the procedure is performed inpatient or outpatient.

Medicare A

If you are undergoing radiation or chemotherapy as an inpatient procedure, then you will be covered by Medicare A once you have reached your deductible, although radiation might include a co-pay.

Medicare A is an excellent choice for many Americans, but it is not enough to cover a thorough cancer treatment on its own, as medicare A does not cover outpatient procedures or prescription drugs.

That is why many people pair it with Medicare B.

Medicare B

Medicare B is designed to help with the costs of outpatient procedures performed in a hospital, clinic, or doctor’s office. Not only does this program cover outpatient chemotherapy and radiation therapy, it also covers a limited number of self-administered prescriptions, such as anti-nausea pills. Medicare Part B even covers certain types of cancer screening, like breast and prostate exams. This fact is particularly important given that a biennial breast exam has been shown to reduce the number of breast cancer-related deaths for women between ages 65 and 74, according to a 2013 study by The State of Aging and Health in America.

The downside with Medicare B is that it is more expensive than having only medicare A. In addition to a monthly fee, Medicare B also requires a deductible and a typical copayment of 20% the Medicare approved cost for a procedure or medicine. Like most Medicare supplement insurance plans, the so-called Medigap plans, the improved coverage will cost you.

Why Original Medicare May Not be Enough.

An effective cancer treatment requires a well-rounded approach involving a number of treatments and medicines. While Medicare A and B can help with a number of your healthcare costs, many of the prescription drugs that you will need may not be covered, leaving you responsible for the total cost.

In part two of this three part series, we will examine your options for Medicare supplement insurance, as well as cancer care insurance policies to help you decide what is the best insurance option to help you or your loved one’s fight against cancer.

Choosing the Right Car Insurance Policy for Your Needs

Written by Business Insurance on . Posted in Auto insurance, Insurance companies birmingham

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In life, there are many things that can be considered sensible and smart, and can constitute important methods to live a life with more peace of mind. Getting insurance is one such thing in life, and if you are thinking about getting any kind of insurance in the near future, it can definitely be a decision that can change your life in the most positive of ways and make things much better in many aspects. The most basic concept of getting insurance is that you spend literally every month to make sure that there is sound financial coverage for important requirements later on in time, and this can apply towards any kind of requirement that might need a significant financial coverage. Popular kinds of insurance include health insurance, life insurance, car insurance and home insurance, and just taki

Understanding Four Different Types of Insurance Coverage

Written by Business Insurance on . Posted in Motorcycle insurance panama city beach fl, Renters insurance panama city beach fl, Rv insurance panama city beach

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When you think about insurance and insurance coverages, sometimes things can seem so complicated that you don’t even want to think about all that insurance entails. The truth is, things are really not that complicated at all. The four big insurance types that you want to learn about are the three that can be the broadest and, at the same time, be adapted to fit you and your situation. Those four types of insurances are home insurance, health insurance, life insurance, and auto insurance. Home insurance is meant to protect your home and your personal belongings from any kind of theft or destruction of the property. Getting home insurance is usually a must if you have a mortgage. The question is, do you have the right kind? One of the good things about homeowners insurance is that you will need to

What Is Your Post-Retirement Health Care Coverage Plan?

Written by Business Insurance on . Posted in Life insurance in georgia, Medigap plans nj, Short term health insurance in iowa

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If you’re in the process of preparing for retirement, you’ve most likely been thinking about your potential health care needs and options. Some of the options you may be considering include the following products and services:
    Affordable term life insurance
    Cancer insurance policy
    Medicare supplement insurance
    Short term health coverage

Regardless of whether or not you plan to retire early or not at al, it’s important to consider the potential need for additional health care coverage. When you contact a life insurance company, they can provide an overview of their available plans and assist you with choosing the right one for you.
According to The State of Aging and Health in America’s 2013 report, by 2030, there will be approximately 72 mi

How to Make Your Insurance Company Happy

Written by Business Insurance on . Posted in Commercial insurance panama city fl, Insurance companies in panama city florida, Panama city insurance

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Do you like paying for insurance? It can be mildly annoying to make a payment each month (or bi-annually, depending) and not see anything in return. Of course comprehensive auto insurance and homeowner insurance are needed, although it is probably for the best if they are never actually needed, as in a claim never needs to be submitted due to a crash or water damage. It is worth knowing a few tips that can make the process go more smoothly, should you ever need to submit a claim.
Speeding Tickets Can Make You Pay Twice.
Everyone speeds at some point, some people everywhere they go. But getting pulled over and written a ticket is bad news on several counts. One, speeding tickets can get pricey depending on the location of the transgression. Secondly, when the dri

The Best Insurance Business News Is Online

Written by Business Insurance on . Posted in Homepage

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Whether you are concerned about securing car insurance for business use, you are looking for the best home insurance rates, or you need more information about available health insurance for business owners, television may no longer be the best way to get your news. With the rise of online news media, TV news has steadily dropped off each quarter. As a result, the majority of traditional news stations now provide coverage online as well in order to continue to reach a substantial audience. Emerging statistics would indicate that this is a wise business decision. Most Americans, 78 percent in fact, use either a desktop computer or a laptop to get the news they need. Five percent of the population utilize mobile devices like smartphones or tablets in addition to desktops. When it comes to recognizing the growing

How to Get the Best Price on Life Insurance

Written by Business Insurance on . Posted in Best life insurance companies, Life insurance companies, Senior life insurance

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Did you know that 95 million adults in America–41% of the population–don’t have any life insurance at all? Yet, the overwhelming majority (93%) say that it’s something everybody needs. After recognizing your own need, you’ve called around to some life insurers, and gotten a pretty decent list of life insurance quotes to compare and contrast. Though this only the beginning of your hunt for an affordable policy, you’re starting to wonder whether you’ll ever be able to find an economical solution. Don’t give up, though! Getting affordable life insurance quotes might not be as easy as we’d all like it to be, but it’s definitely possible. Here are a few tips to help. Determine the Type of Policy Y

The Benefits of Obtaining Vehicle and Home Insurance

Written by Business Insurance on . Posted in Auto insurance quote new jersey, Nj workers compensation, Property insurance policy

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Did you know that the average first-time homeowner in the United States is 34 years old? In addition, according to the U.S. Department of Transportation, there were 210 million licensed drivers in the United States in 2009. It is common to own both a home and a car in the United States, so it is important to obtain insurance to protect these investments. Insurance provides financial compensation when accidents or other unwanted events occur, so there are several benefits of obtaining insurance. 1. Vehicle insurance. Although there are many different types of car insurance available, most basic policies cover the cost of damage to property and other people in the event of an accident. However, Continue Reading No Comments