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Stress Can Effect The Mind: Stress is one of the brain’s worst enemies. Over time, chronic stress destroys brain cells and damages the hippocampus, the region of the brain involved in the formation of new memories and the retrieval of old ones. Studies have also linked stress to memory loss.

Hospital indemnity insurance is a type of plan that pays a set amount – per day, per week, per month, or per visit – if you’re confined in a hospital. The Hospital Plan is a hospital indemnity insurance plan.

Fast Fact: Part B covers certain doctors' services, outpatient care, medical supplies, and preventive services.

The Income Related Monthly Adjustment Amount (IRMAA) is an additional monthly charge that people with certain high-income levels must pay on top of their Medicare Part B and D premiums.

Let us educate you on your options: Independent agents can also provide personalized guidance by explaining complex insurance options in simple terms and helping you avoid gaps in coverage.

Medicare Supplements only pay after Medicare pays its share first. If Medicare approves a claim and pays the part that Medicare owes, it will forward the remainder of the bill to your Medicare Supplement.

At age 65, you are eligible for Medicare, regardless of whether you are already taking Social Security income benefits. Some people also qualify for Medicare earlier than 65 due to a disability or illness.

Also known as Medicare Advantage, the Part C program is a form of managed care that allows Medicare beneficiaries to get their Parts A and B benefits through a private insurance plan and its network of providers. Many Part C plans offer a built-in Part D drug plan.

If you’re getting close to 65, you’ve probably heard Medicare is right around the corner. Most people become eligible to enroll in Medicare when they turn 65, and this window is referred to as your Initial Enrollment Period (IEP).

To cover all your bases, if a doctor or specialist says they accept Medicare, go a step further and confirm whether or not they accept Medicare Assignment. This confirmation can provide you with some peace of mind and ensure there will be no hiccups when needing services or treatments in the future.