Understanding Medicare

Medicare is a federal health insurance program primarily for people over the age of 65 who contributed to the Social Security retirement system. It is also possible for certain people with disabilities and end stage renal disease who are under 65 to qualify as well. This type of insurance is designed to provide health coverage like a typical major medical insurance policy. However, it is important to understand the eligibility requirements, application procedure and the limits of the scope of coverage. It is also very important to understand how a Medicare supplement insurance policy should be combined with the primary coverage under Medicare.


For more information about Medicaid click on Resources/Publications above

Understanding Medicaid


When people experience a catastrophic long term illness it can be very expensive. Most major medical insurance policies do not cover long-term care for an extended period of time. Consequently people need to explore the option of long-term care Medicaid or home care Medicaid. There are specific guidelines that individuals must meet in order to qualify for long-term care Medicaid and/or home care Medicaid. It is very important that all Medicaid planning is done with a knowledgeable Medicaid expert. With careful and knowledgeable planning most middle-class individuals can qualify for Medicaid and protect many of their personal assets including the home, savings, investments as well as a substantial amount of income.


For more information about Medicaid click on Resources/Publications above