Medicare Launches A New “App” To Help Seniors Figure Out What’s Covered

Q. I hear that Medicare has developed an “App” to help beneficiaries determine what benefits may be covered. Do you have any information on this? A. Yes. Recently, as part of its initiative focused on modernizing Medicare and empowering beneficiaries, the Center for Medicare and Medicaid Services (“CMS”) has developed and launched a new “App”… Read More »

Planning an Inheritance for A Child or Grandchild on Public Benefits: The Special Needs Trust?

Q.  One of my grandchildren has a disability and receives SSI and Medi-Cal. I would like to leave him a bequest from my estate when I pass. But won’t doing so cause him to lose his public benefits? A.  Not if you plan correctly. As you probably know, your grandson cannot have more than $2,000… Read More »

Proposed New Medicare Payment System May Affect Beneficiaries

Q.  I hear that Medicare is proposing a new payment arrangement for doctors that may dramatically impact access to care by seniors and other beneficiaries. Do you know anything about that? A.  You heard correctly. Medicare is proposing a new flat rate reimbursement system for doctors who treat Medicare patients. Some worry that the plan… Read More »

How to Reduce Medicare Surcharges When Your Income Changes

Q.  My wife and I are being charged extra for Medicare Part B and prescription drug coverage premiums, apparently based upon our higher income in years past. Beginning last year, our income dropped significantly. Is there way to get the surcharges removed? A.  Yes, if you can link the reduction in income to a “life… Read More »

Debt Relief For Low Income Seniors

Q.  My wife and I have about $10,000 in credit card debt that we struggle to pay each month. Our incomes are very modest and all from Social Security and my work Pension. Is there any way that we can legally avoid paying this debt without dire consequences? A.  Very likely, yes. Generally speaking, income… Read More »