Insurance

More than 3.7 million people in New York are signed up for Medicare, making it the fourth-largest U.S. state for Medicare beneficiaries. Medicare is the government health care program for people age 65 and older. Medicare Advantage is a bundled alternative to Medicare that offers all the same benefits and usually some extras, such as…

Mutual of Omaha is an insurance and financial services company. It offers Medicare Supplement Insurance, or Medigap, in 49 states and Washington, D.C. Unlike many Medigap insurers, Mutual of Omaha doesn’t sell Medicare Advantage or other health insurance plans. The company specializes in insurance meant to complement your main health insurance, such as Medicare Supplement…

The best Medicare dental plans will depend on your needs. Original Medicare doesn’t cover routine dental services, such as cleanings, fillings and extractions. For dental coverage, Medicare-eligible people can buy a separate policy or turn to Medicare Advantage plans, most of which offer some form of cost help for dental care. Medicare Advantage plans are…

Medigap Plan M is a Medicare Supplement Insurance plan that covers some out-of-pocket expenses for Medicare members, including copays, coinsurance and deductibles. Plan M is nearly identical to Medigap Plan D, which is one of the more comprehensive plans. Here’s the difference: While Plan D covers 100% of the Medicare Part A deductible, Plan M…

Medigap Plan L is a Medicare Supplement Insurance plan that helps pay for some out-of-pocket expenses related to Medicare Part A and Part B coverage. Unlike most Medigap plans, Plan L pays for only part of the cost of covered services. As a result, you’ll still have to pay some out-of-pocket costs, but the plan’s…

Medicare and Medicare Advantage members will soon be able to get eight over-the-counter at-home COVID-19 tests per month directly from eligible pharmacies, according to an announcement Thursday by the Centers for Medicare & Medicaid Services, or CMS. Private and group health insurance plans have been required to cover free over-the-counter COVID-19 tests since mid-January. While the…

Extra Help is a federal program that helps Medicare beneficiaries with low income and limited resources pay for prescription drugs with Medicare Part D. “These programs are really important and can save people thousands of dollars per year,” says Erin Guay, paralegal and compliance officer at the Pennsylvania Health Law Project. If you qualify, the…