Coinsurance
Vision Insurance

Vision Insurance

Vision Insurance: How Does It Work? Vision insurance is a type of insurance that covers the cost of eye exams, glasses, and contact lenses. It is often offered as an optional benefit by employers or as a standalone policy that individuals can purchase. Here's how it...

First Things First

Sacre Bleu

Today:COBRA is Usually No, But Never Say NeverThe Closest to Ukraine? Europe, ObviouslyCOBRA Is Usually A No, But…If your ex-employer has greater than 20 full-time employees, then you have the right to COBRA. That period lasts, in most situations, for eighteen...

Meh

Meh

MehThis appeared in the NY Times (link).Observation status update: you can appeal your status now. Basically, when you go to a hospital, you could be admitted or not. If not, then you are covered by Part B (subject to deductible and 20% coinsurance after the...

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Prescription Drug Discount Cards

In This Edition:History Rhymes? Unclear.NY Times Reports “Progress,” Meh.Prescription Drug Cards: How To Use.Retirement planning: some old books are now obsolete, why?Ukraine / Russia: Back to the Future?I was on the “ground floor” for this, and while history may not...

Health Insurance Terminology

Health Insurance Terminology

Health Insurance TerminologyThis is a good explanation of premium, deductible, copay and coinsurance, the language of health insurance (link).…Until the end, this is a very regrettable paragraph.Talk with your insurance providerIf you’re trying to pick the right...

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Woo Hoo! It’s Game Time

Find Someone Else To BlameSurprise: it’s not the NFL (SF and Cincinnati lose today, both by a lot, those are my unsolicited hot-takes). Our tried and true, favorite pastime is “Find Someone Else To Blame.” When there’s no easy fix, and you want to avoid looking bad?...

It’s Really 2 Raises in 1

It’s Really 2 Raises in 1

It’s Really 2 Raises in 12022 Part B Premium = $170.10 / month, from $148.502022 Part B Deductible = $233.00 / year, from $203.002022 Part A Inpatient Hospitalization Deductible = $1,556 per benefit period2022 Skilled Nursing Facility Coinsurance = $194.50 (days...

First Things First

Medicare 2022 Details Released

It’s Really 2 Raises in 12022 Part B Premium = $170.10 / month, from $148.502022 Part B Deductible = $233.00 / year, from $203.002022 Part A Inpatient Hospitalization Deductible = $1,556 per benefit period2022 Skilled Nursing Facility Coinsurance = $194.50 (days...

First Things First

Federal Employee Health Benefit (FEHB): How-To

The Federal Employees Health Benefits Program (FEHB) is a comprehensive benefits program for both active employees and retirees. There are a lot of important details to keep in mind. a. The Part B Late Enrollment Penalty is not waived if you decide to enroll in...