Author name: Senior Help and You

Market volatility is one of the biggest risks to retirement savings, especially as you near or enter retirement. A sudden downturn in the market can diminish years of hard-earned investments. To avoid this, it’s essential to implement strategies that protect your retirement funds from fluctuations, ensuring financial stability through retirement. Key points: Retirement Savings can […]

CMS and WPS have notified nearly 947,000 Medicare beneficiaries of a data breach caused by a vulnerability in MOVEit software. Affected individuals are offered free credit monitoring and new Medicare ID cards.   Key Points Nearly 947,000 Medicare beneficiaries affected: CMS and Wisconsin Physicians Service Insurance (WPS) report potential exposure of sensitive personal information due

In a Medicare Advantage Health Maintenance Organization (HMO) plan, referrals are a key part of accessing specialized care. This referral process is designed to keep healthcare affordable and well-coordinated, ensuring that all care you receive aligns with your primary healthcare needs. Let’s dive into how referrals work in an HMO plan and how to make

When enrolled in a Medicare Advantage Plan, using the right pharmacy network is essential to getting the most out of your plan benefits. Pharmacy networks are established to help Medicare Advantage enrollees save on prescription costs, access reliable services, and streamline medication management. Let’s look at how you can use these networks effectively and ensure

Over the past decade, we’ve observed a trend in billing issues among Medicare beneficiaries, whether they have Medicare Supplement or Medicare Advantage plans.   Key Points: Understand the importance of medical necessity in claims approval. Learn the significance of obtaining prior authorization. Avoid common administrative errors that lead to denials.   These issues often lead

Acupuncture, an ancient practice with roots in traditional Chinese medicine, has been gaining popularity in the Western world, especially among seniors seeking alternative treatments for chronic pain. But what exactly is acupuncture, how does it work, and how can you get it covered under Medicare? Let’s dive in! A Brief History of Acupuncture Acupuncture dates

Medicare Advantage (MA) plans have gained popularity among seniors, largely due to the additional benefits they offer. These plans bundle Medicare Part A (hospital insurance) and Part B (medical insurance) services into a single plan, often including Part D (prescription drug coverage) as well. On top of that, many MA plans provide extras like dental,

Understanding Medicare and taxes can be a bit overwhelming, but we’re here to make it simpler for you. If you’re 65 or older, knowing how to deduct your Medicare premiums can help you save money. Let’s break it down together, step by step, so you can make the most of your benefits.   Key Points:

Key Points: Understand Your Plan’s Coverage and Costs: Knowing what your plan covers—whether it’s Original Medicare, a Supplement, or an Advantage plan—can help you avoid unexpected expenses at every stage of care, from the ER to home health care. Optimize Your Medicare Benefits: By understanding and coordinating your benefits, you can minimize out-of-pocket costs and

As we look ahead to 2025, Social Security recipients are keenly awaiting the announcement of the new Cost-of-Living Adjustment (COLA). Here’s what you need to know: Key Points COLA Determination Process: The Cost-of-Living Adjustment (COLA) for Social Security benefits is calculated based on the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W)