5 Important Tips How to Save Money on Health Care Costs
August 30th, 2010 -- Posted in Insurance | No Comments »
The way the market is right now you have to take advantage of creative ways to take out healthcare expenditures instead of waiting for healthcare costs to be cut by the government. According to the National Coalition On Health Care, employee donations have increased more than 120% since 2000, while out of pocket expenses rose 115%. Here are some crucial information how to save money on healthcare costs:
- Use a Flexible Spending Account. It’s an employee benefits plan that allows employees to set aside a portion of their pretax earnings to pay for qualified expenses such as a doctor co-pays and prescriptions. This account provides a substantial tax advantage since contributions are made prior to your paycheck is taxed. One valuable disadvantage of having a Flexible Spending Account is if you don’t take advantage of all the money in your account within the year, you lost it.
- You should do your homework throughout open enrollment. Conducting the proper research before selecting reimbursement not only saves money, but ensures your family’s needs are met. Ask providers if they offer preventive care with no co-pays, reduce deductions or various credits. Investigate or compare the premium, co-pays, out-of-pocket expenses, deductibles, and lifetime or once a year caps.
- Take advantage of a Health Saving Account. It’s like a private saving account with investment options for healthcare, except for it’s all tax free. Participation through payroll deductions allows employee contributions to be pretaxed. It also allows consumers to save for upcoming medical and retiree health expenses. It rolls over each year.
- Ask about the tax breaks because you can write off, as an itemized deduction, all health costs after they arrive at 7.5% of their adjusted gross income. For little businesses, all health insurance premiums are deductible. If your business is a S corporation, your medical premiums are 100% deductible but they will be added to your W-2 as wages. Itemized deductions can include medical and dental care, prescriptions, and weight loss programs.
- Carefully read your bill. Check to ensure that the services attributed to you were really received by you. Go over the bill to check for errors and duplications. Save all receipts from the doctor’s office, canceled checks, receipts, and billing statements. Once the insurance source has paid and you have established your final bill, call the insurance company to go over the statement if you have concerns.
By healthcare being so expensive it’s best to join with the millions of citizens who are taking advantage of creative ways to cut healthcare costs. So stay healthy and wealthy by using these cost cutting moves to provide relief for your healthcare expenses.
By: Colon Bolden
Be Your Own Health Care Advocate in 5 Simple Steps
August 28th, 2010 -- Posted in Insurance | No Comments »
The American Journal of Medicine reports that 60 percent of bankruptcies in the United States are due to medical bills accrued by middle class, well-educated homeowners. With the cost of health care continuing to rise, understanding how to be your own health care advocate is essential in order to survive in today’s economy.
1. Understand what your insurance does and does not cover
Utilize the help of an expert. Health insurance brokers know and understand the fine print of health insurance plans. With their expertise, you can be confident in knowing what your premium covers and what goes towards your deductible.
2. Discuss potential costs before proceeding
If a doctor suggests a procedure, test, or surgery, ask for the total cost before scheduling it. Speak with someone in the billing office to get an itemized bill with all costs, and then go over the list with your insurance carrier so you know exactly what you’ll be required to pay.
3. Document everything
Whenever you speak with anyone-insurer, doctor, etc.-regarding your health care needs, make sure to document the date of contact, date of service, name and phone number of the person contacted. Also notate the results of the conversations and any necessary follow up. Keep a copy of all bills, explanations of benefits and services together in one place. Finally, keep records of all your non-reimbursable medical expenses, including car mileage, parking fees, telephone bills and lodging. These costs may be covered through Medicare or be used as an itemized deduction when you file your income tax return.
4. Question doctor recommendations
Respectfully inquiring why a doctor recommends one specific drug or treatment over another can provide information concerning both your health care needs and potential health care costs. On occasion, an alternative treatment or generic drug can be utilized to the same benefit at a lower cost.
5. Check local pricing resources and negotiate before procedures, if in a non-emergency situation
The Healthcare Blue Book allows you to determine fair pricing for procedures in your area. If a non-emergency situation requires extensive care that may not be fully covered under your current health insurance plan, negotiate with doctors and hospitals for the best price before scheduling the procedure in question.
In the current state of our nation, being proactive about our health care is becoming a requirement, rather than an option, as we attempt to stave off increasing medical bankruptcies. Be your own health care advocate; it’s good for your health, and it just might save you some money.
By: Richard Monello
Understand Health Care Plans to Choose an Affordable Individual Health Insurance Plan
August 25th, 2010 -- Posted in Insurance | No Comments »
It is a matter of great concern if you do not have an individual health insurance policy. You never know when you might need to incur heavy medical expenses in case of accidents or sudden ailments. If you are employed, your company must be providing some insurance cover to you. But, again, companies opt for cheaper options for their employees that do not offer proper medical coverage. And, in case you run your own business, you will have to buy yourself an affordable individual health insurance policy.
There are mainly two types of individual health care plans. They are managed-care plans and indemnity plans.
In managed care programs, you need to make a choice between HMO (Health Maintenance Organizations), PPO (Preferred Provider Organizations) and POS (Point of Service). POS combines the characteristics of HMO and PPO.
If you choose HMO, then you are allowed to take treatment from a particular set of doctors only under your insurance policy. This is a cheap option and suitable for people who pay routine visits to a doctor and are flexible in taking treatment from the given list of doctors.
In PPO, you can visit the set of doctors listed in the policy as well as some out of the list doctors. In PPO, you have to incur more expenses out of your pocket as compared to HMO. If you do not make regular visits to a doctor, then this option is good for you as you can have some choice of your doctor.
In Indemnity plans, the options are far more extensive. You choose the doctors and hospitals you wish to be treated from. These plans are preferred by people who wish to be treated only by the doctors they trust and can easily incur out of the pocket expenses. It is more suitable for people who face the risk of serious ailments in future.
By: Alan Lim
Affordable Health Care Insurance – Inexpensive Health Care Insurance Plans
August 23rd, 2010 -- Posted in Insurance | No Comments »
Affordable Health Care Insurance! As the words show themselves that a medical health insurance policy that helps an ordinary person to keep up his leverage of medical checkups and costs. The usual medical costs without an insurance plan have become obsolete nowadays due to mainly the touching sky high medical costs. Due to this reason, many self-employed and other people having no medical insurance offered are looking for an affordable health care insurance which helps them keep up their medical needs in case of emergencies.
Getting an affordable health care insurance may not be as simple. It requires extensive background research to look and find the best possible insurance plan for you. So, to find the best one, use the best searching tool, the internet. With the internet, you can find different insurance policies and compare their quotes.
Contact your State Health Department for better insurance policies. One which not only cost much less but also helped to take care of all your necessary needs. Always go for the policy which doesn’t ask you for much money deductions first before going on with the insurance.
Try and get a few days insurance package from the companies to make sure that the insurance policy suits you. If it does suit you, then go ahead and buy the Health Insurance. Search for the policies that guarantee renewal of your policies and do not return them back. Check for the best policy ratings and even contact different people who have had those insurance policies to get a better idea of what you are going to have to deal with.
Affordable health care insurance may not even be as less expensive too but they certainly lower some fiscal burden from your shoulders. Obviously, it is better to pay less then to pay too high for health care. You know of your situation better, so whatever policies you select, just make sure it is in the best of your interest and that it will have long lasting fruitful effects on your health.
By: Alan Lim
Cut Down Your Expenses by Finding Affordable Health Care Insurance
August 22nd, 2010 -- Posted in Insurance | No Comments »
Are you planning to leave your current insurance policy due to its higher premium rates? If yes, then don’t get dishearten. With the exponentially growing competition among several insurers, some affordable health care insurance plans are available in the market. However, you must bear in mind that nothing comes for free. The same applies for these insurance plans. Here, you are not required to invest ample of money at all. But, obviously you need to devote some time in order to find out these plans. Apart from this, there are several factors to be considered upon, while going for these policies.
So, first of all, try to know the rules of your state regarding insurance policies. It is so because whether you can acquire an individual insurance and at which interest are largely depended upon the laws of your state government. In some states, insurers are provided the rights to cancel the policy of the people who are suffering from illness etc. Therefore, make sure that whether you will be able to get your medical expenses reimbursed or not. Now, the problem emerges how to find this information? Just contact the insurance commissioner of your native state and you will be able to acquire the information that you are craving for.
Once you have determined the laws, you should start making a thorough research over the market. In this concern, you can undoubtedly seek for the assistance of Internet too. In addition, you can contact several insurance agents of your city in order to determine which policy will be most suitable for you.
After selecting the type of policy, it’s time to evaluate its cost. For this purpose, you can seek for the quotes from various insurers and compare them as well. However, always bear in mind that cheapest is not the best. So, try to make further research about the company you are going to deal with by the means of visiting its website. Make sure that the company is a legitimate one and that too affordable health care insurance plan offered by it, is not going to be a headache for you.
By: Alan Lim
3 Tips For Finding the Best Health Care Insurance Provider
August 20th, 2010 -- Posted in Insurance | No Comments »
Needless to say, how important is health insurance to human life. You never know what might occur to you the very next moment. The concept of health care insurance can be best applicable for those who are the sole bread earner for the family. If they meet with some hazard unfortunately, they might suffer heavily and sometimes it might result in loss of income. In these cases, the health care insurance providers prove a lot handy as they can not only provide financial assistance, they can also provide for a compensation for the loss.
However, it is a common scenario that any person tends to get confused with the numerous options available in open market. With so many complicated business strategies, policies and offers, it is quite possible that you might get perplexed as to which is the best of them and eventually you might ignore this. So it is important that you must have some basic knowledge so as to be able to have an analysis on choosing good health care insurance provider. Here are some recommended tips that can help you:
a) Be careful when going through their terms and conditions, especially for long term plans, there are chances that they have some hidden costs and fee associated which might result in a big hole in your wallet. Don’t get mesmerized by the short term gains, rather have a good look at the long term profits and benefits. There are usually lot of terms and conditions that these health care insurance providers tend to skip while explaining the whole plan, so make sure that you cover each and every details of it.
b) Get a clean idea of which diseases and health related problems will be accountable for health care insurance provider. This is perhaps the most important fact to know about, as this entirely depends on the individual. If you have certain disease or tendency, you should make sure that the disease is included in the list of conditions. This ensures that you can get the expenditure back without any problem. Don’t ever ignore this fact and give a deep look into this. Always prefer those health care insurance providers that allow for wider range of diseases and gives easy compensation.
c) Consider the tax element in each service plan. A lot of health care insurance providers have good plans to save tax and plan them properly, so make proper use of them. Before you end up with a contact against any insurance company, make sure what tax relaxation you would be offered. Apart from that, some other important facts like the list of hospitals are again very important. All the private hospitals are not recognized by the insurance companies and hence medical expenses incurred in those hospitals are not compensable. Make sure that you know the hospitals that have collaboration with the health care insurance providers so that you do not have any difficulty during treatment.
Realizing the importance of health in life, do not ignore this and make sure that you have something to safe guard your future. Follow the above guidelines as tips and select the best health care insurance provider for you.
By: John Brookman
Medicare Coverage For Mental Health and Alzheimer’s Care
August 19th, 2010 -- Posted in Insurance | No Comments »
Modern medicine recognizes that many mental and emotional problems are in fact physical illnesses or related to them. So, with either Medicare Part A hospital insurance plus Medicare Part B medical insurance, or with a Part C Medicare Advantage managed care plan, participants have extensive coverage for treatment of mental or emotional illness, including depression, Alzheimer’s disease, and other forms of dementia. This includes both inpatient and outpatient care, and treatment not only by doctors but also by other Medicare-certified healthcare providers. The amount of coverage Medicare provides depends on the kind of hospital where the person receives care.
Care in a general hospital.If the inpatient care she receives is in a general, nonpsychiatric hospital that treats patients for all types of illness, the rules of coverage are the same as for any other hospital stay. That is, under Medicare Part A, she must pay a deductible, plus daily co-payments for a stay of more than 60 days within any one benefit period. If she’s in the hospital for more than 90 days in any one benefit period, Medicare Part A pays part of the cost of up to 60 more once-in-a-lifetime “reserve days”. However, there’s no lifetime limit on the number of hospitalizations that Medicare Part A will pay for. If she has a Part C Medicare Advantage managed care plan, it pays for at least this same amount of inpatient care, and some plans pay more of the cost. Care in a psychiatric hospital.If she’s an inpatient in a psychiatric hospital — meaning one that accepts patients only for mental health care — the rules of payment are the same as for a general hospital but the total amount of coverage is different. Medicare Part A covers only a total of 190 days in a patient’s lifetime for inpatient care in a psychiatric hospital.
Nursing facility care. The single most important thing to understand about Medicare and nursing facilities is that Medicare does not pay for long-term care. However, under limited circumstances and for a short time, Medicare Part Aor a Medicare Advantage managed care plan can cover a stay in a skilled nursing facility while the person is recovering from a severe mental health episode that landed her in the hospital. The nursing facility stay must follow, within 30 days, a hospital stay of at least three days. And the nursing facility stay must be medically required and prescribed by her doctor to provide her with daily skilled nursing or rehabilitation services while she’s recovering from the medical event that put her in the hospital. The coverage can last for up to 100 days, with Medicare paying the full amount for the first 20 days and your family member having to make a co-payment of $133.50 (in 2009) per day for days 21 through 100. For more details about Medicare Part A nursing facility coverage, see our article Understanding Medicare Part A (Hospital Insurance). Home care. Home care is available under Medicare Part A, Part B, or Part C (managed care) if it’s medically necessary for any illness or condition, including mental illness, Alzheimer’s, and other forms of dementia. But the rules under which Medicare coverage is available for home care are quite strict, and coverage usually lasts only a short time. The key thing about Medicare coverage for home care is that it applies only to home healthcare. That means your family member must need skilled nursing care or rehabilitation therapy while she’s confined to home because of an injury or illness. It doesn’t cover assistance with the activities of daily living such as dressing, bathing, walking, or eating unless these are provided incidentally, alongside required skilled medical care. A doctor must prescribe the home care and it must be provided by a Medicare-certified home healthcare agency. If the person in your care qualifies, Medicare pays 100 percent of the agency’s costs. But the care can continue only as long as the skilled nursing or therapy is required, while she’s actually recovering. Home healthcare is covered by Medicare Part A following a hospital stay, or by Medicare Part Bif there has been no prior three-day hospital stay. If she’s enrolled in a Part C Medicare Advantage managed care plan, that plan provides home care under the same rules, except that the home care agency must be associated with the specific managed care plan.
Psychological care. Psychological counseling is not technically medical care. But under some circumstances, Medicare Part B or Medicare Part C managed care will cover counseling by a clinical psychologist. The person’s doctor must prescribe the treatment. The psychologist must be certified by Medicare. And the psychological care must relate to a problem — such as depression or anxiety — arising out of a medical condition for which the doctor is treating her. If she’s suffering emotionally from the strain of a physical illness, suggest that she discuss the problem with her doctor. If she and the doctor believe she might benefit from psychological counseling, Medicare Part B or her Medicare Advantage managed care plan might cover the care. The office of the psychologist she’s referred to can find out in advance from Medicare whether it would cover her treatment there. Adult daycare. In general, adult daycare provides personal monitoring and attention with structured activity in a secure environment. Medicare usually considers this type of care “custodial” rather than medical and so usually doesn’t cover it. Medicare can cover services from an adult daycare center only in very limited circumstances. Medicare might cover actual mental health treatment, prescribed by a physician, provided at an outpatient mental health clinic. If this clinic is also an adult daycare center, the patient can get the benefit of the center’s other care services while receiving treatment there. Medicare will cover this kind of care only if, and for as long as, it involves actual medical treatment — administration and monitoring of medication, for example, or help with recovery from a medical crisis. Also, some Part C Medicare Advantage managed care plans offer limited adult daycare coverage as part of their comprehensive home care services. Medicare doesn’t require that these plans offer this, so the nature and extent of what they cover depends entirely on the plans themselves. Finally, Medicare partners with Medicaid to sponsor what’s called the Program of All-Inclusive Care for the Elderly (PACE). This provides comprehensive home and community care, including adult daycare, for frail elders who would otherwise require nursing home care. PACE is only available in certain states, however. And in those states, it may be available only to those who are eligible for both Medicare and Medicaid. See Medicare’s official website at medicare.gov for a list of PACE programs.
Therapeutic services for Alzheimer’s patients. For a long while, Medicare didn’t consider various therapies for people who had been formally diagnosed with Alzheimer’s disease medically necessary, and so did not cover them. This policy has changed. If the person in your care has been diagnosed with Alzheimer’s, Medicare Part B can now cover physical, occupational, and speech therapy for her, as well as psychological counseling and other mental health services. Her doctor must prescribe the treatment, however, and it must be provided by a Medicare-certified therapist or mental health provider. Medications for mental health conditions.Any medication administered to someone when she’s a hospital or nursing facility inpatient, whether or not she’s an Alzheimer’s patient, is covered by Medicare Part A. Any medication given to her at her doctor’s office or at any outpatient health facility is covered by Medicare Part B. Things get much trickier with prescription drugs taken at home. The only coverage Medicare provides for at-home medications is through a Medicare Part D prescription drug plan. Coverage for specific drugs the doctor may prescribe for mental health issues depends on the formulary — the covered list of drugs — that her plan maintains. There’s a special prohibition, however, on certain drugs that are often prescribed to cope with mental health issues. Medicare doesn’t permit a Part D prescription drug plan to cover any medication within the categories of barbiturates (certain sedatives) and benzodiazepines (certain tranquilizers), even if a physician has prescribed it. So if she’s taking one of these drugs, and she’d like to have coverage from her Part D drug plan, ask her doctor whether a similarly effective drug might be available that does not technically fall into either of these categories.
By: Joseph L. Matthews
The Importance of Health Care Coverage in America Today
August 17th, 2010 -- Posted in Insurance | No Comments »
One of the most crucial issues facing American today is importance of health insurance for the American citizens. Yet there are currently 47 million Americans who are under-insured or who do not have any health insurance coverage at all. The American public is aging, the baby boomers are reaching their senior years and according to actuarial insurance statistics most individuals begin to contract major illnesses or disabilities from the age of 50 onward. These individuals cannot afford to be without health insurance. As a matter of fact, Americans of any age, social status, or walk of life cannot afford to jeopardize their health care because they are without insurance.
Medical heath care coverage is to protect Americans from the event that a medical illnesses or situation should occur and there is no money to pay for the cost of treatment. Older baby boomers understand fully well how much the cost of medical coverage is in America. A major operation, and treatment can cost thousands of dollars and sometimes reaching over 100,000 dollars. Unless the individual is fairly wealthy there is no way to be able to pay these rising health care costs.
Fortunately some working Americans do have medical health care coverage through their employers. Group insurance coverage is the most economical way of making sure your health care needs are met.
Unfortunately not all employers offer any group insurance coverage and this leaves many American families uninsured. With the rising costs of health care in America, no family can really afford to go without insurance coverage. There are just too many things that can happen. A young couple planning a family will need medical health care coverage for prenatal care, hospital stays for once the babies are born, and then doctor visits for immunizations and regular routine checkups for their children afterward. Even if a couple is young and childless there is no guarantee in life that they will always remain healthy. Doctor visits for the most innocuous things such as getting a flu shot, or going to the doctor for allergy shots will become very pricey without proper medical healthcare coverage.
Self-employed individuals must maintain a self-employed health insurance plan to protect their business. Health insurance is just as important as any other business expense. If the self-employed person can no longer work due to a temporary disability, time away from work due to an operation, or even a car accident, then that self-employed person will lose the income from their business. Besides loss of income they may actually loose their entire business if they are incapable of working for a long period of time.
American expatriots may find themselves in a country where they cannot readily get the health care that they need. The facilities may be inferior to American standards, or the services may not be available at all. Expatriot medical health insurance can provide needed money to pay for the costs of health care in the foreign country or provide coverage if the ex patriot must return to America for treatment.
All Americans need proper coverage. When it is not provided through an employer private medical healthcare coverage as well as state run health insurance plans are available. Do not go without proper health care find an affordable health insurance plan that meets your individual needs and the needs of your family.
By: Simon Bukai
Blue Cross Blue Shield Foundation on Health Care Services
August 16th, 2010 -- Posted in Insurance | No Comments »
The Blue Cross and Blue Shield Association (BCBSA) is a corporation of 39 community-based Blue Cross and Blue Shield companies. They have an enviable track record of having served millions of families with high class and yet affordable health care insurance. BCBS Brands are renowned and one of the leaders in the health insurance industry. They are the pioneers and largest family of health benefits companies with more than 800 employees. Their healthcare coverage is widespread and available in all the 50 states, the District of Columbia and in Puerto Rico. In view of their large-scale operations, almost all hospitals and nearly 80% of the physicians are contracted by BCBS.
BCBS provides a assortment of healthcare insurance to cater a large corporations, medium and small business houses and even individuals. BCBS has grown rapidly and are today registered in about 175 countries. Based in Chicago, Illinois, BCBS was the result of merger between Blue Cross Association and the National Association of Blue Shield in 1982. Prior to the historic merger, the two companies that were created around the same time in two different parts of the U.S were leaders in healthcare insurance. The evolution and growth of the concept of managed healthcare system in the United States is largely, if not solely, due to Blue Cross-Blue Shield plans.
In 1939, the Chicago-based American Hospital Association (AHA) was the first one to use the Blue Cross as a symbol to signify that health plans across the country met certain prescribed norms. The AHA continued to use of this now renowned symbol until the Blue Cross Association was founded in 1960. Meantime, the
first official Blue Shield plan was founded in California in 1939. It was in 1948 the symbol was informally adopted by the Associated Medical Care Plans, which was later renamed the National Association of Blue Shield Plans.
Blue Cross Blue Shield insurance companies offer insurance plans under either or both the brands. Blue Cross-Blue Shield insurers offer some form of health insurance coverage in practically every state in USA. They are providing group coverage to state government employees, as well as the U.S. Federal government employees under a nationwide program of the Federal Employees Health Benefit Plan (FEHBP) established by the association on their behalf.
Traditionally the Blue Cross symbol was used for hospital treatment while the Blue Shield for medical coverage. But today the two organizations have become homogeneous and the dichotomy exists in only in eastern Pennsylvania. Otherwise in throughout the country only one insurer operates under both
brands in all places… Both brand names are used by both the associations and its member insurers, though some members prefer one form or the other.
The 14-state WellPoint is the largest Blue Cross-Blue Shield member, and it is a public limited company. Other notable multi-state organizations are CareFirst in the Mid-Atlantic and The Regence Group in the Pacific Northwest.
There is the Blue Cross Blue Shield Foundation on Health Care which is a non-profit making association. The Foundation is a centralized body that coordinates national multi-site health services research.
The Foundation is rendering affordable service and contributing to the public good by focusing on population-based studies as an effective way to influence health outcomes, health policy and the quality of health services and delivery. Working in tandem with many academic institutions and government agencies, the Foundation facilitates national research that provides solutions to relevant health care issues.
By: Peterr Nike
10 Things Pre-Boomers Need From Health Care Reform
August 15th, 2010 -- Posted in Insurance | No Comments »
With several bills coming out of both houses of congress, the health care discussion appears to be far from over even though the administration wants legislation signed this year. The politics of reform are intensifying each passing day. Therefore, without regard to party affiliation, I’ve tried to identify key points for pre-boomers to consider when it comes to health care reform.
The following 10 points are in no particular order. And, I purposely do not take into consideration what other age or demographic groups may want or need. As a pre-boomer, I believe the items listed below are, or should be, the deal breakers in any health care bill offered to my generation (those born between 1930 and 1945).
1. Ability to keep current doctor(s) and be able to visit them as needed.
2. Assurance of complete and consistent health care until death.
3. Portability of insurance, because seniors do move.
4. Coverage will not be given other groups at the expense of seniors.
5. Allow competition among insurance companies so premium costs can be lower.
6. Insurance companies cannot cancel secondary coverage no matter what.
7. No extra premiums or denials for pre-existing conditions.
8. Any reform must be deficit neutral to keep taxes from going up.
9. Test proposed plan elements rather than initiate immediate, sweeping changes.
10. Eliminate Medicare and Medicaid waste, fraud and abuse, as promised.
Reducing Medicare and Medicaid funding by over $600 billion in order to provide insurance for those currently not covered is not going to fly with most new seniors, certainly not this one. Don’t you wonder how many people are truly uninsured because they can’t afford the premiums or have pre-existing conditions versus those who, for whatever reason, choose not to buy insurance or are here illegally?
The notion that more than a half a trillion dollars in saving can be achieved by reducing waste, fraud and abuse is highly questionable. And if it were true, why didn’t the government take steps to realize these savings before the current debate heated up? So someone needs to identify the problems and fix them now.
There have been many implied promises but no guarantees that seniors will not be placed on some kind of rationing or other changes which result in reducing the quality of our health care in the years ahead. So we must be skeptical until the details are revealed.
In the meantime, keep the pressure on our representatives in Washington. Ask how they intend to deal with the above 10 points, plus any others you can think of. If we are respectfully persistent with questions, maybe the politicians will get the idea that pre-boomers are serious about our health care coverage. However, should they not be responsive to our needs, then we don’t need them any more. And we’ll vote for someone who is willing to listen to the generation of new seniors.
By: Don Potter