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Cheaper Health Insurance — Maybe You Can Afford to Retire Before 65

Retirements under Social Security spike at age 65.

“One reason might be the availability of Medicare at 65, particularly for workers who have employer coverage while working but not after they retire,” says a study by the Center for Retirement Research at Boston College.

Let’s say you are 63 or 64 and you could afford to retire, with the savings you have and your pension in hand. But you don’t dare because you have a heart condition, or high blood pressure, or some other ailments making you a very undesirable prospect for an insurance company. If you leave now and go into the market for insurance, you may not get any offers at all, or you may get an offer at a price you can’t afford.

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Long-Term Care Insurance: What You Need to Know

The biggest surprise for many people when they turn 65 and enroll in Medicare is that it won’t cover custodial care in a nursing home. Medicare is for acute illnesses that can be treated and fixed. For example, if you break a hip, get it repaired in a hospital and need rehabilitation in a skilled…

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Don’t Confuse Obamacare with Medicare

Open enrollment in October is the only thing they have in common, but it can lead to mistakes, errors and confusion. If you are in Medicare, you DON’T have to register on any of the Obamacare exchanges, and you DON’T have to make any alterations in your coverage. You can’t go on the special Affordable…

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3 Costly Medicare Mistakes and How to Avoid Them

You shouldn’t pay a penny more than you need to when you enroll in Medicare coverage. Here are some common blunders by folks on Medicare. 1-You are still working when you turn 65 and become eligible for Medicare. You automatically sign up for Part A by calling Social Security. Part B is optional and depends…

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Sign Up for Medicare: What You Must Know

Get ready for Medicare. Learn how it works and consider the choices you should make before it’s time to enroll. Otherwise, you get confused and the mistakes can give you unexpected expenses.
You can sign up for Medicare for the first time during a 7-month period. This covers three months before you turn 65, the month in which you become 65, and the following three months.

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When Medicare Won’t Pay Your Nursing Home Bills

The biggest surprise for people enrolling in Medicare is that the program won’t pay for custodial care in a nursing home. If you break a hip, and need rehabiliation, and then a long-term stay somewhere, Medicare will pick up the tab. If you become forgetful, let the papers and the mail pile up, almost set…

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A Veterans Home Care Benefit You Never Heard Of

This is an important, but obscure benefit. And bureaucratic obstacles often are frustrating for those who apply and their family members. We are quoting in detail here from a website created by a family member of a veteran who sought this benefit and can help you navigate successfully. The site is veteranaid.org, which helps 40,000…

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When Will Medicare Pay for Your Home Care?

Medicare is an acute care system of insurance; you need a condition that is being treated by medical professions to get coverage. For home care, you need certification by a doctor that you require care by a professional. Medicare says: “Examples of skilled nursing care include: giving IV drugs, shots, or tube feedings; changing dressings;…

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Saving Money on Your Medical Bills

The cost of care just keeps on rising. Higher deductibles, bigger co-payments, more expensive premiums. And all that is if you already have insurance. If you lost coverage because you lost your job, and ran out of the extended coverage under the COBRA law, you will be facing a very tough market.  Insurance companies cut…

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Where You Can Get Free Health Care Even if You Don’t Have Insurance

More than 22  million Americans get their health care at local community health centers, sponsored  by the federal government, in partnership with various groups.  More than 1,200 organizations operate 9,000 sites where people get care These  “health centers care for you, even if you have no health insurance,” according to the Health Resources and Services…

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