Critical Illness Insurance: Who Needs It?

Critical Illness Insurance

If you’re lucky, you’ve probably never had to use critical illness insurance. You’ve likely never even heard of it.

But in the event of one of the big three health emergencies — cancer, heart attack or stroke — critical illness insurance could be the only thing protecting you from financial ruin. Many people assume they’re fully protected with a standard health insurance plan, but the exorbitant costs of treating life-threatening illnesses are usually more than any plan will cover.

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Is it Dementia or Alzheimer’s Disease? Know the Signs

Dementia or Alzheimer’s Disease

Anyone with aging parents will tell you they experience a moment of panic every time a parent forgets where they left their phone, or misses an appointment.  It seems today that dementia and Alzheimer’s disease are almost inevitable as we live much later in life than generations before.

According to the Alzheimer’s Association, of the top 10 leading causes of death in the United States, Alzheimer’s disease is the only one that cannot be prevented, slowed or cured.  It’s the same disease that affects 1 in 10 people over the age of 65.

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The Top 5 Costliest Chronic Conditions

Top 5 Costliest Chronic Conditions

While most health issues can be costly, today there are some that stand above the rest in terms of the expense that they incur both physically, as well as financially, on the patient and on those who care for the individual.  Below are the top 5 costliest chronic conditions in the U.S. today, as well as some suggestions on what you can do to help manage or control that condition for yourself or the one you care about who may be suffering from it.

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New Medicare Card Scams take advantage of Medicare card change

New Medicare Card Scams

Periodically, I plan to remind my clients, community partners, and neighbors that Medicare cards are undergoing a big change to make them more secure.  Medicare is rolling out new cards starting this month and continuing through April 2019.   This change has brought on New Medicare Card Scams focusing on how to get the new card.  These new cards are more secure.  They do this as they use a “Medicare Beneficiary Identifier” instead of a Social Security number.

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