Caroline RosenzweigThere are several types of Medicare Advantage plans, and not all are available in all areas. Many are health maintenance organizations, but there are also preferred provider organizations and special needs plans, among others. Under traditional Medicare with a Medigap plan, you may go to any doctor who accepts Medicare. But in a Medicare Advantage HMO plan you need to use network healthcare providers in order to get coverage. If you are treated by non-network providers, you would be responsible for 100% of the out-of-pocket costs, and Medicare would not cover the cost of the claim. If the plan is a PPO, however, you would have greater flexibility to go out of network, but you would pay higher co-pays or co-insurance. Before selecting any Medicare Advantage plan, check the lists of network doctors, hospitals and other providers! It is not unheard of for Medicare Advantage plans to market to people who live a good distance from the nearest in network health care provider..While you can count medical bills for you, your spouse and dependents listed on your tax return, you may also be able to count some medical expenses that you paid for a family member who's not considered a dependent for tax purposes. This is the sort of question you should discuss with a tax professional..Editor's Note: Please DO NOT postpone getting care in emergencies. Do not delay care for chest pain, stroke symptoms or the onset of a diabetic reaction. Seek immediate treatment! … Continued
Sweta HaldarIf signed into law, the Social Security Preservation Act would require that all annual surpluses of the Social Security Trust Funds be invested in marketable interest-bearing obligations of the United States or obligations guaranteed by the United States. It also outlines certain requirements for determining the annual surplus of the Trust Funds. With the Social Security Trust Funds set to expire in 2033, TSCL believes that it is now more important than ever for Congress to protect and secure the program's monies. Rep. Paul's bill would do just that, and we were pleased to see support grow for it this week..TSCL does not give money to campaigns for political office and in one way that puts us at a disadvantage as compared with the big corporations. But we have something they do not have: YOU..New legislation passed in the House to repeal and replace Obamacare puts access to health care for the sickest, poorest, and even older Americans on Medicare at risk, warns The Senior Citizens League. Says TSCL's Medicare and Social Security policy analyst, Mary Johnson, "The GOP's American Health Care Act: … Continued