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can a person aged 60-85 that has had various medical problems ranging from high blood pressure heart disease osteo-arthritis diabetes and even cancer still obtain life insurance or long term care care insurance?
The answer is yes depending on which insurance company an application is turned into.

Often times I hear the following questions from the 30-40% of the into one of the following 2 categories:

THOSE THAT HAVE ALREADY APPLIED FOR COVERAGE  AND BEEN TURNED DOWN

Medicare is an age based health plan that is provided to individuals that reach age 65. It is partially funded by the Federal as well as State Government.   Medicare will pay for 80% of ones health care costs up to various guidelines and then it stops paying all together. It was never intended to pay for all of ones costs .   In order to cover the 20% that medicare will Not pay for people purchase  A Medicare  Supplement plan. these types of plans will not only pay for the 20% Not covered by Medicare but  will also pay for the various deductibles and co pays that are  the patients responsibilities.
 
Medicare and Medicare Supplement plans are very confusing issues that most individuals that become  

Sam wants to work but he is worried that he would lose his Social Security Disability Income Benefits (SSDI) which provide him with money each month to live on as well as allowing him to receive Medicare benefits for his health care.

Like many others, when Sam applied for SSDI he was denied benefits but was successful in the appeal process to obtain benefits retroactively.  Sam has been doing pretty good and would love to get back into  

What does health reform mean to you?

With President Obama and Congress looking to make major changes to the health care system, most people are wondering if and how these changes will affect them.

Given that approximately 60% of all personal bankruptcies are due to medical bills, it makes sense to be  

With the recession in full gear, and people concerned about their employment, it seems that the last thing that anyone has time to worry about is their health.  Yet if you ask anyone one their number one concern is in losing their job, it ends up being their employee health insurance plan and benefits, for themselves and their families.  Yet with unemployment up to 8.5%, and the number of uninsured predicted to be 45 million, it’s important even more now than ever to plan for your healthcare costs.

First things first:  Go see your doctor. Now.

Whether you know your current medical condition or not, if you have not seen a physician in the last year,  

Recently in the LA Times, columnist David Lazarus writes in “Health Savings Accounts are Ill-advised” multiple reasons why Health Savings Accounts (HSA’s) may not be helpful, and concludes that as an alternative, Medicare should be extended to everyone, using tax dollars to pay for care instead of premiums, deductibles and co-pays.