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Medicare History, Part I: How Costs and Benefits Have Changed

I am fascinated with Medicare, especially in today’s charged political climate with health insurance. But health insurance has always been a charged debate.

Medicare News from NAHU - Responding to the Egg Whip Cuts

Last month, the Centers for Medicare and Medicaid Services (CMS) released proposed guidance regarding Medicare Advantage (MA) rates for the 2017 plan year. The guidance proposed an average rate increase of 1.35%, a slight drop from the previously proposed increase of 3.07% that was announced in December.

Medicare News from NAHU - Will Part B and Part D Premiums Increase in 2016?

We will know in November, but it is “sort of” an election year!

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Medicare News from NAHU - When a Doctor Opts Out of Medicare

Did you know that doctors are required to tell a patient up-front that they have opted out of Medicare?

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Medicare News from NAHU - Observation Status

Your hospital status (whether the hospital considers you an “inpatient” or “outpatient”) affects how much you pay for hospital services (such as X-rays, drugs and lab tests) and may also affect whether Medicare will cover the care you get in a skilled nursing facility following your hospital stay.

Medicare News from NAHU - What Human Resources Need To Know about Medicare

The human resources departments of many companies work hard to provide support and service to their employees regarding their health benefits. The one area where knowledge has been lacking is the understanding of Medicare eligibility and coverage for both active Medicare-age employees and spouses and former employees continuing on the employer’s plan or enrolling in COBRA.

Retirement Income Planning Requires Realistic Spending Assumptions

If you have read any literature on retirement planning or have received advice from a financial professional, chances are you were presented with the 70% rule, the one that suggests that retirees will need between 70 and 80% of their pre-retirement income in order to maintain their standard of living.

Understanding Your True Risk Tolerance is Vital to Portfolio Performance

As anyone would have expected, the extraordinary convergence of extreme stock market volatility, low interest rates, declining home values, diminished retirement savings accounts, and chronic economic sluggishness has taken a severe toll on the American psyche. For many investors, it may have forever altered the way in which risk is perceived and managed.

Should You Have a Living Trust?

A will is the foundation of your estate plan and it is essential if your financial affairs are to be settled in accordance with your wishes. If you die without a will, or “intestate” as the law refers to it, essentially the state becomes your executor and your property will be distributed according to its laws.

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