Genetic Testing Scam Alert

By Kim Hill, Economic Security Client Services Manager at Elder Law of Michigan The U.S. Department of Health and Human Services Office of Inspector General has issued a Medicare fraud alert involving genetic testing kits. Fraudulent companies are offering Medicare beneficiaries access to a free screening for cancer, Parkinson’s or other conditions, claiming that Medicare will cover the cost. These companies find their victims through phone calls, … Continue reading Genetic Testing Scam Alert

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Do I Really Need Insurance?

Ron Tatro, Vice President at Elder Law of Michigan Recently, I was watching the evening news and viewing all the devastation across the country. Wildfires, flooding, blizzards, and tornadoes have resulted in the deaths of people and the loss of billions of dollars in damage to homeowners and commercial property. These tragic occurrences got me thinking about the role insurance plays in seniors’ lives. For many … Continue reading Do I Really Need Insurance?

Do you think your income-related Medicare premium is incorrect?

By Vonda Vantil, Social Security Public Affairs Specialist Medicare is our country’s health insurance program for people age 65 or older. Certain people younger than age 65 can qualify for Medicare, too, including those with disabilities and those who have permanent kidney failure. If you’re a Medicare beneficiary who has been informed that you must pay more for your Medicare Part B or Medicare prescription … Continue reading Do you think your income-related Medicare premium is incorrect?

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Social Security and Medicare, Working Side by Side

By Vonda Vantil, Social Security Public Affairs Specialist Medicare is the federal health insurance program for people who are 65 or older and certain younger people with disabilities. It is also for people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD). The different parts of Medicare help cover specific services. Medicare Part A (hospital insurance) helps pay for … Continue reading Social Security and Medicare, Working Side by Side

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Medicare Explained

By Vonda Vantil, Social Security Public Affairs Specialist Social Security and Medicare have a few things in common. Both programs help safeguard millions of Americans as well as improve the quality of life for our family and friends. Although both programs are household names, many people may not be familiar with the details of Medicare. Medicare is our country’s health insurance program for people age … Continue reading Medicare Explained

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Facts You Should Know About Enrolling In Medicare Part A & B

By: Vonda VanTil, Social Security Public Affairs Specialist Understanding Medicare isn’t as difficult as you might think. It’s a benefit most working Americans can count on. Here are some facts you might not know about the program. Can I still get Medicare at 65? Yes, you’re eligible for Medicare starting at 65, no matter what year you were born. If you or your spouse worked … Continue reading Facts You Should Know About Enrolling In Medicare Part A & B

Helpful Facts About Social Security Disability Benefits

By: Vonda VanTil, Social Security Public Affairs Specialist When the unexpected happens and you can no longer work due to a serious medical condition, Social Security is there with a lifeline to help you and your family. Most American workers contribute to Social Security through federal payroll taxes and benefit through monthly retirement payments later in life. For others whose working years are cut short … Continue reading Helpful Facts About Social Security Disability Benefits

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Advanced Directives and How They Affect Life Insurance

By Danielle Takacs, 2017 Summer Intern End-of-life planning is not an easy topic to address. It can be emotional and confusing at times. An advanced directive, one kind of end of life planning document, states what type of medical care you wish to receive in the future and allows you to choose who can make medical decisions for you if you cannot to do so. A … Continue reading Advanced Directives and How They Affect Life Insurance

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Changes in Medicare Supplemental Policies (Medigap)

by David Jones, J.D., Hotline Attorney A Medicare Supplement insurance policy (commonly called a Medigap policy) helps to pay medical costs not covered by Medicare for covered services: e.g., deductibles and co-insurance. Currently, the most popular Medigap policy in Michigan is the Blue Cross-Blue Shield (BCBS) Legacy Plan C. It has a little under 50 % of the total enrollees. It uniformly costs $122.86 per month, which … Continue reading Changes in Medicare Supplemental Policies (Medigap)

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An Unknowing Trap for Sellers of Motor Vehicles

by David Jones, J.D., Hotline Attorney It is all too common for sellers of used motor vehicles to simply sign the title over to the buyer, and assume the buyer will register it with the Secretary of State. However, if the buyer does not register the title, the seller can face some real legal problems because the seller is still the owner of title. I … Continue reading An Unknowing Trap for Sellers of Motor Vehicles