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

Moving to Nevada It can be difficult to know how your health insurance needs will be met when moving to a new state. More than likely your plan will either not continue once you move out of the service area or not cover you properly. There are also many variables to consider when moving such… Read More

Cobra and Part B As you approach age 65, you should start thinking about COBRA and Part B for Medicare Nevada Plans. Each of them may have a serious effect on your medical coverage and cost. There is an interplay between them, and you want to get it right. Looking to Retire? Unless you plan… Read More

Nevada Medicare Supplement A Medicare supplement plan can save you a significant amount of money in the long run. Supplements, also known as Med Supps or Medigap plans, provide you with the most freedom and lowest cost sharing for a Medicare plan. Although these plans have a monthly premium, you will pay very little or… Read More

Many people enrolled in Medicare are receiving IRMAA in Nevada. IRMAA, which stands for Income Related Monthly Adjustment Amount, applies to people in higher income brackets. Also these income brackets for IRMAA in Nevada are not the same as your standard tax brackets with the IRS. Depending on your situation, you may be able to… Read More

Part B of Medicare does not cover Shingles shots. Part D of Medicare Part D of Medicare usually does cover Shingles Shots and other available vaccines via Prescription Drug Plans or PDPs. But remember, “cover” and “pay for” do not mean the same thing. Cover means the drug plan includes coverage for the vaccine. Pay… Read More