As you get close to your 65th birthday, you will be bombarded with Medicare solicitations in the mail. These advertisements are usually for Private Medicare Plans. Before you enroll in a Private Medicare Plan, you must qualify for Original Medicare. Original Medicare is comprised of both Part A and Part B coverage. The first step… Read More

The Medicare Annual Enrollment Period in Nevada starts on October 15th and ends on December 7th every year. If you apply for coverage during this time period, your Medicare policy should start on January 1st. There are certain Special Enrollment Periods which may allow you to get Medicare coverage before January 1st. To learn more… Read More

Does Medicare Cover Osteoarthritis? There are dozens of different types of degenerative joint diseases which most people know as arthritis. The most common type of arthritis is Osteoarthritis. It happens when the cartilage cushioning a joint wears out resulting in bone grinding against bone. This painful condition causes stiffness in the joints, usually accompanied by… Read More

Do you have an insurance policy through Prominence Health Plan? Are you also looking to reduce your wait time at the doctor’s office? Fortunately, Prominence Health Plan has a solution for you. Prominence Health Plan, a local insurance company in Northern Nevada, built two new medical facilities that can be exclusively used by their insured… Read More

To qualify for a Medigap Plan or Medicare Advantage plan, you must be enrolled in both Part A and Part B of Medicare. If you are receiving Social Security benefits, you are usually automatically enrolled in Part A and Part B in Nevada. It is important you enroll in both Parts A and B prior… Read More

Medicare Does Not Cover Acupuncture Original Medicare (Parts A & B) does not cover Acupuncture. Medicare generally only covers services that considered medically necessary. As of the date of this article, acupuncture is not a necessary service under Medicare. Medicare defines medical necessity as “Services or supplies that are needed for the diagnosis or treatment… Read More

I regularly get questions from high-income earners and older workers when they’re comparing Medicare and Continuing Employer Coverage. There’s a great opportunity to have some good coverage here for a low price, however, there are pitfalls. When you elect Medicare and Continuing Employer Coverage you now have double coverage. The federal government has decided, in… Read More

2020 Prescription Drug Plans Since 2016 the Standard Medicare Prescription Drug Plan has changed a lot. The Deductible has gone up from $360 to $435 in 2020. Likewise, the Initial Coverage Limit has changed from $3310 to $4020 and the Out-of-Pocket limit (Coverage Gap) or TrOOP (True Out-of-Pocket) has risen from $4850 to $6350 in… Read More

Medicare and Long Term Care As we age and medical advances extend our lives, the odds of having a medical need increase every year. In particular, women are at higher risk as they live longer. Many clients ask about Medicare and Long Term Care and whether or not it is covered. In short, Medicare does… Read More

What Original Medicare Doesn’t Cover When composing this article, I didn’t know which way to go. Such as writing an article about items covered or what original Medicare doesn’t cover. Medicare’s website lists the majority of covered services. To see them, go to There you can browse through over 100 topics. Many services and… Read More