Medicare Coverage of Home Health Care #skaket #beach #motel

#medicare home health care

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Medicare Coverage of Home Health Care

Progressive health care professionals often encourage people to get out of hospitals and nursing facilities and into their own or family members’ homes while recovering from injury or illness. With less honorable motives, insurance companies also pressure hospitals to release patients earlier so that if they continue to receive care, it will be a less costly variety at home.

In response to both these movements, many new home health care agencies have sprung up. You’re increasingly likely to find such an agency in your local area. Most are able to provide care for patients who no longer need high-level care in a hospital but who still require part-time nursing or rehabilitative therapy.

When Medicare Will Cover Home Health Care

For your home heath care to be covered by Medicare, your situation must meet this list of requirements.

  • Your doctor must have prescribed home health care for you.
  • You must require part-time skilled nursing care or physical, speech, or occupational therapy.
  • The home health care must be provided by a Medicare-approved agency.
  • You must be confined to your home by an injury, illness, or other medical condition. (If you need nursing care or other medical services but you are physically able to leave home to receive it, you might not be eligible for Medicare home health care coverage.)
  • Your doctor must help set up a care plan in cooperation with the home health care agency.

Medicare sometimes used to also require that your condition be expected to improve with home health care, but a recent change allows you to qualify for home health care just to maintain your condition or to slow deterioration of your condition.

If you require full-time nursing care, Medicare will not approve home health care, but it could cover a skilled nursing facility. For more information, see our article on Medicare coverage for skilled nursing care .

What Medicare Will Pay For

Medicare Part A pays 100% of the cost of your covered home health care, and there is no limit on the number of visits to your home for which Medicare will pay. Medicare will also pay for the initial evaluation by a home care agency, if prescribed by your physician, to determine whether you are a good candidate for home care. (Note that Medicare Part A only pas for home health care that follows a prior three-day hospital stay. Otherwise Medicare Part B (medical insurance) pays for home health services.)

Medicare will pay for 100% of the following services related to home health care:

  • part-time skilled nursing care—usually two to three visits per week in a plan certified by a physician
  • physical therapy
  • speech therapy, and/or
  • occupational therapy.

If you are receiving home health care for one of the above, Medicare can also pay for:

  • personal care by part-time home health aides
  • medical social services, and
  • medical supplies and equipment provided by the agency, such as a hospital bed, a walker, or respiratory equipment.

What Medicare Will Not Cover

Medicare will not pay for a number of services sometimes provided as part of home health care, including:

  • drugs and biologicals administered at home
  • personal care by part-time home health aides if this is the only care you need
  • meals delivered to your home
  • housekeeping services, or
  • full-time nursing care.

If you require durable medical equipment, such as a special bed or wheelchair, as part of your home care, Medicare will pay only 80% of the costs.

For more information on Medicare coverage of home health care, read Medicare’s online publication Medicare and Home Health Care at http://www.medicare.gov/Pubs/pdf/10969.pdf.

Pros and Cons of Home Health Care

The benefits of properly administered home health care can be enormous. The fact that Medicare will pay for an unlimited number of home health care visits — with no copayments — makes home care a very good financial value compared to recovery in a hospital or nursing facility—in addition to the recuperative benefits of being at home.

Being in your own home or even that of a friend or relative is often more conducive to a speedy recovery than the impersonal and sometimes frightening environment of a hospital. You have familiar things around you, your friends and family can come and go without worrying about “visiting hours,” and they can lend a hand with your care. You have greater privacy and are free from dreadful hospital routines and late-night noise and lights.

On the other hand, home health care is not always the best solution. Hospitals sometimes push people out the door before they are well or strong enough, and as a result the people may take longer to recover at home, or suffer more pain and discomfort at home, than they would have if they had remained in the hospital just a few days more. This is particularly true when a patient does not have family or friends available to supplement the care provided by a home care agency.

Finding a Home Health Care Agency

If you are interested in home health care after a stay in the hospital, or as an alternative to a stay in a hospital or nursing facility, contact a home health care agency recommended by your doctor or the hospital discharge planner. The discharge planner can even contact an agency for you. You may also get help in locating home health care agencies from a community health organization, visiting nurses association, United Way, Red Cross, or neighborhood senior center. Medicare.gov lists home health care agencies in your area and allows you to compare the quality of their service depending on past performance.

How to Start Home Health Care

If your doctor has not mentioned home care to you but you feel it would be a good idea, make your wishes known. If you are looking at a long period of convalescence, home health care can be a better alternative to a long siege in the hospital or nursing facility. Most doctors will prescribe home care, can give you a referral to a Medicare-approved agency, and will cooperate with the home health care agency.

by: Attorney Joseph Matthews





Collision Insurance and Comprehensive Insurance Explained #collision #insurance, #comprehensive #insurance, #comprehensive #coverage,


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Optional Automobile Insurance

Collision Insurance

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident, when you are at fault . A standard collision automobile insurance policy will pay for any repairs up to the fair market value of your car.

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It is important to remember that this value can be significantly lower than the cost of replacing your vehicle (or your loan balance.) If your car is financed or leased, you will need gap insurance to reimburse you for the difference between what you owe and what the car is worth.

Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision policy will cost .

Collision insurance coverage is not required by law in any state. However, if you’re driving a car purchased from a dealership or financed through a lender, you may be required by the dealership or lender to carry collision insurance. (And just to be sure, you should get gap insurance. )

Comprehensive Automobile Insurance

Comprehensive is very similar to collision insurance, the main difference being that comprehensive covers damage caused to your vehicle caused by any unknown party or act of God .

Vandalism, flood, hurricane, theft, and fire are all events usually covered by comprehensive automobile insurance. (But make sure to read your comprehensive insurance policy for exact coverage details.)

Like collision automobile insurance, comprehensive coverage will pay up to the fair market value of your car (less your insurance deductible.) And although it’s not legally required by any state, you will probably need it if your car is financed.

Hot tip: Your collision and comprehensive automobile insurance policies are two places where it can be pretty easy to cut costs. Read our guide to choosing car insurance for money saving strategies!

Get up to ten fast free quotes from ComparisonMarket or try Netquote for local agents.

Automobile Insurance Endorsements

Automobile insurance endorsement is just a fancy term for any of those policy extras like towing insurance, auto glass insurance, daily rental insurance, and emergency roadside insurance.

These policies are never required by any state, but many drivers value the security and convenience they provide.

Here’s what you get for your money:

auto towing insurance pays for (you guessed it) towing your car anytime you need it

auto glass insurance gives you a lower deductible (or no deductible) when it comes to repairing any broken window on your car.

daily rental insurance covers the cost of a rental car while your car is being repaired because of a covered event. (So you’ll usually need both comprehensive and collision insurance to qualify.)

emergency roadside assistance covers repairs done on the spot. Changing a flat roadside may be covered, but you’ll have to pay for any repairs at the garage. This policy is often combined with auto towing coverage, and called roadside emergency towing insurance .

In some states, medical payments coverage and uninsured/ underinsured motorists coverages are voluntary coverages. In others, they’re mandatory. Find your state requirements here .

Want to learn even more?

Take our quick auto insurance course. and learn the step-by-step to get the most out of your auto insurance policy for the least amount money.


DCU Insurance #dcu #insurance, #renters, #insurance, #auto #insurance, #home #insurance, #liability, #coverage,


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Insurance the DCU Way

It was an easy process, great friendly service, knowledgeable and did save me quite a bit of money.

rt, Hudson, MA

Insurers We Represent

Encompass Insurance Owned by Allstate; rated A+ by AM Best

Foremost Insurance Over 50 years experience, rated A by AM Best

  • MAPFRE Insurance With more than eight hundred independent agents and two thousand local employees, MAPFRE Insurance is the number one auto and home insurer in Massachusetts. Rated A (Excellent) by AM Best.

    Main Street America Group Insurance Member of the Main Street America Group with seven operating companies; rated A by AM Best

    Safety Insurance Auto, home and business insurance, the third largest private passenger automobile carrier, the third largest commercial automobile carrier and the seventh largest homeowner carrier in MA, rated A by AM Best

    Travelers Insurance Part of the St. Paul Travelers Group; rated A+ by AM Best. Travelers also offers special personal lines insurance products on a direct basis for DCU members in states not currently serviced by DCU Insurance.

    TruStage TM Auto and Home Insurance Offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.

    We also represent the Massachusetts Property Insurance Underwriting Association for MA properties that don’t qualify for our primary carriers, and Travelers and The Hartford for flood policies.

    DCU Insurance is rated 4.4 out of 5 by 60.

    Rated 5 out of 5 by Anonymous from great rates thank you for your assistance best rates around.

    Date published: 2017-03-03

    Rated 5 out of 5 by Anonymous from Yes I want to learn more about this insurance. For me is the best bank to work with That I know so far

    Date published: 2016-10-13

    Rated 5 out of 5 by Anonymous from Auto Insurance It was a great walk through, especially katie helped me a lot and saved me more than $25 in a month. Katie promptly answered my questions and even cleared all my doubts, i really appreciate her patience, though i made multiple calls in day to understand the process and quote. I trust this is the right banking way..and right set of people to make us more comfortable, thanks katie and thanks

    Date published: 2016-01-07

    Rated 5 out of 5 by Anonymous from Tremendous Savings over current insurer. Excellent customer service and communication! Product from a known National Company.

    Date published: 2015-12-10

    Rated 5 out of 5 by Anonymous from Excellent service and prices We just purchased both homeowners and automobile insurance from Liberty Mutual via an offer from DCU that came in the mail. The savings on both policies are remarkable, and the service from Liberty Mutual’s TruStage program was excellent. Thank you, DCU!

    Date published: 2015-07-15

    Rated 5 out of 5 by Anonymous from Combine Home and Auto DCU Insurance was able to save me a small bundle by combining my Home and Auto insurance policies with the same carrier.

    Date published: 2015-05-13

    Rated 5 out of 5 by Anonymous from The best insurance i have got after comparing to a wide range of other insurance providers Frank Howe, helped me a lot and provided me every detail and also made it so easy and simple to purchase my insurance. Thanks to DCU and Frank in person.

    Date published: 2014-12-05

    Rated 5 out of 5 by Anonymous from Great rates and benefits. The majority of the deals and rates DCU offers always outshine the deals from other banks. I wish DCU had other options for car insurance.

    Date published: 2014-10-01

    • DCU Insurance Reviews – page 2
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    What states does DCU offer insurance in?

    Asked by: Anonymous

    DCU Insurance offers insurance in Massachusetts, New Hampshire, Maine, Connecticut, Georgia and Colorado. However, if you re a DCU member located in a state that DCU Insurance is not licensed in you can obtain insurance through Travelers Insurance Company and Liberty Mutual.

    Answered by: Anonymous

    Date published: 2016-06-18

    pay online

    Any way to pay your bill online? I have travelers ins and would like to pay my bill online. I don t want EFT. Thank you.

    Asked by: Anonymous

    You should also be able to make a payment online by visiting Traveler s website.

    Answered by: Anonymous

    Date published: 2015-12-19

    I already have commerce insurance. Can I still qualify for the many discounts available?

    Asked by: Anonymous

    To determine your eligibility for any discounts as a DCU member through DCU Insurance, please call DCU Insurance at 800/328-8797, option 1, extension 6978 weekdays 8am to 5pm EST.

    Answered by: Anonymous

    Date published: 2013-10-23

    wthat is the insurance coverage when traveling out of MA?

    Asked by: Anonymous

    Coverage depends on your particular policy with DCU Insurance. For specific policy questions, please contact DCU Insurance at 800.328.8797, ext. 6978.

    Answered by: Anonymous

    Date published: 2013-10-23

    Do you provide business insurance?

    I need to get pricing for commercial renters insurance.

    Asked by: Anonymous

    At this time, we do not offer commercial or business insurance.

    Answered by: Anonymous

    Date published: 2013-10-23

    • DCU Insurance Questions – page 2
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    DCU Financial Insurance Services, LLC.

    220 Donald Lynch Boulevard

    Marlborough, MA 01752-9130

    800.328.8797, ext. 6978

    2017 DCU Financial Insurance Services, LLC.

    Massachusetts Branches
    New Hampshire Branches

    DCU Insurance (DCU Financial Insurance Services, LLC) is an affiliate of Digital Federal Credit Union (DCU). Business conducted with DCU Insurance is separate and distinct from any business conducted with the credit union.

    Remember that any insurance required as a condition of the extension of credit by DCU need not be purchased from DCU Insurance but may, without affecting the approval of the application for credit, be purchased from an agent or insurance company of the member’s choice.

    Insurance products are not deposits of DCU and are not protected by the NCUA. They are not an obligation of or guaranteed by the credit union and may be subject to risk.

    If you have any concerns or complaints regarding this relationship, you may contact the MA Office of Consumer Affairs, or the insurance department of your state. For information on how to contact them, you may call us.


  • Homeowners – Insurance: Got Enough Coverage? #replacement #coverage #on #homeowners #insurance


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    Homeowners Insurance: Got Enough Coverage?

    Many homeowners are shocked, after major damage, to find that their insurance policy doesn’t pay for all or even most of their loss — or in the worst case, that the type of damage they suffered falls under an exclusion to their coverage. To prevent this from happening to you, review your homeowners’ insurance policy and check that the types of losses covered and the amounts of coverage meet your needs.

    A standard homeowners’ insurance policy includes:

    • Hazard insurance. This covers physical damage or loss involving your property and possessions (as required by mortgage lenders).
    • Liability insurance. This covers injuries either to people on your property or caused by members of your household (including pets), whether or not they were on your property at the time (excluding car accidents).

    Review the details and amounts of both hazard and liability coverage in your homeowners’ insurance policy using the guidance below. Then, make any necessary adjustments by contacting your insurance representative or shopping around for a better or cheaper deal. (For an overview of homeowners’ insurance, see Nolo’s article Homeowners’ Insurance: What You Need to Know .)

    Hazard Insurance

    The list of damage and disasters commonly covered by hazard insurance is surprisingly long: physical damage to your property and its contents caused by fire and smoke, wind, hail, lightning, explosions, volcanoes, riots and vandalism, theft, water damage, and similar events.

    Nevertheless, that list doesn’t cover everything that could happen to your home or involving its inhabitants. Check the boilerplate section of your policy called “exclusions.” Flooding and earthquakes are commonly excluded from coverage even though many homeowners assume otherwise. It’s also typical for policies to exclude damage caused by mudslides, police activity, power outages, sewer backups, dry rot, or vermin, among other things.

    If Necessary, Add Coverage

    Insurance companies often don’t want to include coverage for high-risk, high-expense types of damage as part of their standard policy. However, you may be able to buy extra coverage from your insurance company or from another source (as is common with flood and earthquake insurance). The key is to buy added coverage for hazards that can cause huge damage (like sewer backups) or that are big risks in the area where you live like earthquakes in parts of California, hurricanes along the Gulf Coast and Eastern Seaboard, or sinkholes in parts of Florida.

    How Much Money Will You Get to Rebuild With?

    Let’s take the most unlikely (but scary) scenario: A fire or other hazard destroys your house or makes it unlivable. You might expect your insurance company to pay for it to be rebuilt, or restored to just what it was before, but what will actually happen depends on the terms of your policy.

    The norm: replacement cost coverage. If your house is destroyed, the amount you receive to rebuild under a standard policy with “replacement cost” coverage will be a set dollar figure, which you’ll see in the policy. That figure was calculated in advance, using the information you provided to the insurance company about the house’s size, location, number and type of rooms, building materials, amenities, and more, when you first got the policy.

    However, when disaster strikes, this figure could be way off the mark, particularly if building costs have gone up, a widespread natural disaster increases demand for contractors, you have remodeled and not updated your insurance, or your house has historical features that will be hard to recreate.

    The ideal: guaranteed replacement coverage. If you look very hard (and pay more), you may just find a policy that guarantees payment of 100% of your repair or rebuilding costs, without limits. This rare and wonderful creature is called a “guaranteed replacement cost” policy. If your house has historical features that are hard to reproduce, finding such a policy will be especially difficult.

    To be avoided: actual cash value coverage. If your insurance policy pays the “actual cash value” of your house, you should start looking for new coverage. Cash value policies are sometimes pushed on people with older houses or ones with an inadequate water supply (a fire danger). You’ll get the house’s replacement cost minus any depreciation or wear and tear that it’s suffered since being built — for example, they might deduct for a roof that needed to be replaced — which means you are almost guaranteed not to have enough with which to rebuild.

    Check Coverage for Living Costs and Personal Possessions Coverage

    In addition to checking your policy for how much you’ll get to rebuild your home with, check the fine print for these items:

    • Living costs while your home is being rebuilt. This is called a “loss of use” provision and often includes hotel bills and restaurant meals for a certain period of time. One year is a standard provision, but if you can get coverage for two, that would be better. Some policies place a dollar limit (instead of a time limit) on your living expenses, often 20% of the total insurance on your house.
    • Replacement costs for personal possessions. Much like the different amounts of money you can get for the house itself, there are different levels of coverage for the stuff inside. Some policies offer “replacement value,” meaning the actual cost of buying a new item. Others offer “actual cash value,” which is the amount you could get by selling your possessions after taking depreciation into account (think “how much can I get for it on eBay?”).
    • Coverage for expensive items. Your policy will probably apply separate limits (usually between $1,000 and $2,000) for big-ticket items such as jewelry, cameras, sports equipment, musical instruments, electronics, furs, firearms, coins, or silver that are damaged or stolen. If you want more coverage, pay for endorsements insuring each big-ticket item for its appraised value. These extra endorsements will also cover your items in the case of “accidental disappearance” (insurance-ese for “you lost track of it”).

    Liability Insurance

    Liability insurance compensates for two things:

    • Medical payments to others. This pays the medical bills of people from outside your household who are accidentally injured while on your property or by you or a household member, including a pet, whether on your property or elsewhere.
    • Personal liability. If you’re sued, this covers both your legal fees and any amounts a court orders you to pay to someone who was injured or whose property was damaged by someone in your household (human or animal). (For more information on your liability for injuries caused by your pets, see Nolo’s article Dog Bites: When Is an Owner Liable? )

    Standard homeowners’ policies traditionally provide around $100,000 in liability coverage. You can easily imagine how someone’s medical bills could top that amount, and if you’re sued you could end up paying even more. Rather than putting your house at risk of being sold to pay a court judgment. make sure your liability coverage is at a realistic level — between $500,000 and $1 million.

    Check Your Deductible

    A deductible is the amount you must pay after a loss before your insurance company steps in. Most homeowners agree to a $500 deductible (for the hazard portion; liability insurance doesn’t normally carry a deductible).

    However, raising your deductible can be a great financial move. It not only allows you to significantly reduce your premium costs, but also prevents you from being too quick to call your insurer for coverage. The more claims you make, the more likely the insurer is to raise your premiums or cancel your policy.

    To learn more about buying and insuring a home, see Nolo’s Essential Guide to Buying Your First Home . by Alayna Schroeder, Ilona Bray, and Marcia Stewart.

    Talk to a Real Estate attorney.


    How Much is Car Insurance: Farmers Insurance #auto #insurance, #farmers #agent, #liability


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    How Much Auto Insurance Do I Need?

    Four things to consider when selecting the amount of coverage for your needs:

    • The value of your assets
    • What you drive
    • How much you drive
    • Who’s in the car with you

    In most states, you’re required to carry a minimum amount of liability insurance and also provide proof of insurance before you can register your vehicle or renew your driver’s license. Consider that the state required minimum coverage may not be enough to pay for all the damages that result from an accident. If that is the case, the legally responsible driver will have to pay the additional expenses out of pocket.

    Consider the following when selecting Car insurance coverage:

    The value of your assets

    Could you potentially leave yourself financially exposed if you are sued because of a car accident? Ideally, your Liability insurance coverage should be enough to protect the value of your assets.

    What you drive

    What is the value of your car? Could you afford to replace it if it were totaled? If you lease or finance your vehicle, Comprehensive and Collision coverage is a requirement. Whereas if you own an older vehicle, you could save money by reducing these coverages.

    How and when you drive

    The time you spend on the road may increase your risk of involvement in an auto accident. Even if you are a good driver, there are many uninsured or underinsured motorists on the road. And, of course, there are many bad drivers.

    Who’s in the car with you

    Do you carpool, drive the soccer team to games, or take the kids on field trips? If yes, make sure you are taking that liability impact into consideration.

    Stay in the know

    Explore the Farmers Inner Circle and let’s get smarter about insurance. With industry insight and information on determining how much coverage to buy, along with insurance shopping tips for new drivers and parents, the Inner Circle is a hub of useful information and experience from the halls of Farmers.

    Choose a Farmers agent to tailor the package that you want for your specific situation and budget or get a car insurance quote online.

    This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions, and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.


    Arizona Personal Injury Attorneys #personal #injury #lawyer, #injury #lawyer, #accident #lawyer, #accident


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    Zanes Law

    Tucson Phoenix Personal Injury Lawyers

    The Zanes Law injury lawyers have helped clients recover tens of millions of dollars on their personal injury claims. Over the years, we have helped thousands of clients on everything from normal everyday car accident claims to extremely complex wrongful death claims. We take an aggressive approach to how we represent our clients because we care deeply about them and understand that we are here to fight for them. Our personal injury lawyers are some of the best in Arizona and have helped clients on a variety of injury cases, which include car accidents, truck accidents, bicycle accidents, motorcycle accidents, wrongful death claims, and more. We are personal injury attorneys and car accident lawyers with years of experience.

    SERVING TUCSON, PHOENIX MORE

    We are an Arizona personal injury law firm with offices in Tucson and Phoenix, but we help clients nationally. So regardless of your location, we can help you on your personal injury or car accident case. Our Tucson and Phoenix personal injury lawyers are here to help you, regardless of where you live.

    TUCSON PHOENIX CAR ACCIDENT LAWYERS

    If you drive a car, unfortunately sooner or later you will be involved in a car accident. At least that is what the statistics show. If and when that happens, Please call a Zanes Law Phoenix car accident lawyer or Tucson personal injury attorney so that we can help you. This is important. It is important that you have a Phoenix personal injury attorney or a Tucson car accident lawyer who has the experience to get you the compensation that you deserve. Hiring the right personal injury lawyer will help to ensure that you get the highest compensation possible. Although there are many car accident law firms and personal injury lawyers to choose from, it is the Arizona car accident lawyers at Zanes Law who have a proven track record of success. Our personal injury lawyers strive to provide our clients with the best possible representation and our car accident lawyers have successfully helped thousands of clients.

    4 WAYS WE CAN HELP YOU AFTER YOUR ACCIDENT

    The attorneys at Zanes Law have helped thousands of injured people make smarter, more confident legal decisions so that they are made whole after an accident. Today it’s your turn.

    Do you have questions or concerns about health insruance, providers, and covering medical costs?

    Medical Bills

    Medical bills caused by an auto accident are a cost that should be covered by your injury settlement. If you have health insurance, you should present your insurance card to all medical providers so they will bill your health insurance. If you do not have health insurance, you will need to find a medical provider that will treat you on a lien. This is something that Zanes Law can help you with.

    *Treating on a lien: This means that you will not be charged any up-front costs for treatment and the provider will be compensated upon your settlement. This provider would require payment for their services before you receive your proceeds from the claim.

    Property Damage Insurance

    Car rentals: If you have rental car coverage through your insurance carrier, you should request your car rental through them. It’s usually an easy process and your insurance will be reimbursed if liability is accepted by the adverse party. When you do not have rental coverage, you will have to wait until liability is established with the other driver’s insurance.

    Property damage: Open a property damage claim with your insurance company (even if the accident is not your fault). If you have collision coverage on your insurance, your insurance company will fix your car and will work with the other car’s insurance to ensure they cover the costs. Please note, you may be required to pay your deductible up-front if liability has not yet been established. Once it is, your insurance company will be able to get your deductible back and reimburse you. Click here for information about property damage after a car accident.

    Bodily injury: Injury claims are completely different than property damage claims. If you are injured due to a car accident, we recommend you consult with a personal injury lawyer or accident lawyer to open your bodily injury claim for you. If you were injured in the accident, you need to seek medical care immediately and you need to speak with a personal injury attorney as soon as possible. If you are injured and choose to speak with the insurance adjuster on your own, you must make it clear to the adjuster that you are in fact injured. However, our advice is that you seek the assistance of a personal injury attorney and that you limit the conversations that you have with the insurance adjuster. Let your personal injury attorney handle all of these conversations on your behalf.

    Lost Wages Compensation

    Lost wages: If your accident has caused you to miss time from work, you are entitled to some type of compensation through your injury claim. You should document all time you took off and keep all doctor’s notes that justify your time off.

    Pain and Suffering: This is a term used in the legal industry that refers to emotional and physical stress, as well as the actual physical pain, caused by a car accident. Injury victims are entitled to compensation for pain and suffering.

    Overall compensation: Settlement amounts are directly correlated to the facts of a particular case. Some factors that determine a settlement amount are: types of injuries sustained, how long the individual sought medical treatment, total amount of medical bills, future medical bills, and many other factors. We recommend that you contact the personal injury attorneys at Zanes Law in order to find out what the actual value of your claim is.

    Everything

    Bills, property damage, medical treatment, insurance, lost wages, and compensation.

    If all of the above are concerning you right now, we recommend you speak to a personal injury attorney to answer your specific questions. Yes, a personal injury attorney. Not a general attorney who practices all case types. A personal injury attorney works on these cases all day, everyday and is more experienced when it comes to injury claims. An accident attorney can assist with motorcycle accidents, trucking accidents, construction accidents, premise accidents, bicycle accidents, mass torts, burn injury and class action lawsuits to name a few.

    Arizona Law Offices

    4222 E. Thomas Rd. #230
    Phoenix, Arizona 85018
    United States
    Phone: 602.999.9999
    Google Plus


    When Can You Claim a Tax Deduction for Health Insurance? #tax, #taxes,


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    When Can You Claim a Tax Deduction for Health Insurance?

    Each year, June 28 marks National Insurance Awareness Day, serving as a reminder that it’s a good time to review your insurance coverage and ensure that it still fits your needs.

    This is particularly true for health insurance and making sure you have the right amount of coverage at an affordable cost.

    Health insurance can be expensive, so being able to claim a tax deduction for some of your insurance costs can help you save come tax time.

    Since there are specific rules and qualifications you must follow, here’s an overview of when you can and cannot claim a tax deduction on your health insurance.

    When health insurance is not tax-deductible

    If you didn’t pay for health insurance, you can’t take a tax deduction for it. If your employer pays your health insurance premiums, you can’t deduct those costs. However, if an employer only pays for part of your premiums, you still may be able to claim a tax deduction for the portion you paid.

    If you received a subsidy or premium tax credit to purchase an insurance plan in the Health Insurance Marketplace through the Affordable Care Act, any advanced-payment subsidy that lowered the cost of your health insurance premiums cannot be claimed as a tax deduction. However, the money you paid out of your own pocket for your premiums might be tax deductible.

    You can’t take a deduction for health insurance you paid for with pre-tax money. If you have insurance through your employer, the premiums you pay are usually taken out of your paycheck before your income taxes are calculated. Since these premiums are paid with pre-tax dollars, they’re already income-tax-free, meaning you can’t claim them as a tax deduction.

    Also note, you can not deduct health insurance unless you itemize your tax deductions or you are self-employed. You don t need to know if you qualify for itemized tax deductions, TurboTax will figure it out for you.

    When health insurance is tax-deductible

    If you’re self-employed, your health insurance premiums may be tax deductible. If you’re self-employed and not eligible for an employer-sponsored health plan through a spouse’s job, you may be eligible to write-off your health insurance premiums on your taxes. However, you can’t write off more in health insurance premiums than you earned.

    Health insurance premiums paid with your own after-tax dollars are tax deductible. For example, if you purchased health insurance on your own through a health insurance exchange or directly from an insurance company, the money you paid toward your monthly premiums can be taken as a tax deduction.

    Some Medicare plans are tax deductible. This includes Medicare Part B and Part D prescription coverage.

    There are limits to the amount of your health insurance you can deduct. If you are able to write-off your health insurance, there are limits to how much of your premiums you can write off.

    If you’re able to claim your health insurance as a medical expense deduction. you can only deduct medical expenses that exceed 10% of your adjusted gross income (7.5% if you’re 65 or older). If you’re self-employed and claimed the self-employed health insurance deduction, you don’t have to exceed the 10% threshold because you’re writing the premiums off as an adjustment to your self-employment income rather than as a tax deduction deduction.

    As with all tax laws, TurboTax is up-to-date with the latest tax law changes. If you have more questions about the Affordable Care Act and how it impacts you and your taxes, you can get answers from TurboTax Health .

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    Insurers pushing bill cutting required auto glass coverage – ABC15 Arizona #arizona


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    Fire Weather Warning issued June 10 at 8:07PM MST expiring June 12 at 7:00PM MST in effect for: Apache, Coconino, Navajo

    Fire Weather Warning issued June 10 at 8:07PM MST expiring June 11 at 7:00PM MST in effect for: Apache, Coconino, Navajo

    Wind Advisory issued June 10 at 7:01PM MST expiring June 11 at 7:00PM MST in effect for: Apache, Coconino, Navajo, Yavapai

    Wind Advisory issued June 10 at 7:01PM MST expiring June 11 at 7:00PM MST in effect for: Coconino

    Fire Weather Warning issued June 10 at 7:00PM MST expiring June 11 at 7:00PM MST in effect for: Coconino

    Fire Weather Warning issued June 10 at 7:00PM MST expiring June 12 at 7:00PM MST in effect for: Apache, Coconino, Navajo

    Fire Weather Warning issued June 10 at 7:00PM MST expiring June 12 at 7:00PM MST in effect for: Apache, Coconino, Navajo

    Fire Weather Warning issued June 10 at 2:42PM MST expiring June 10 at 10:45PM MST in effect for: Apache, Coconino, Navajo

    Fire Weather Warning issued June 10 at 2:42PM MST expiring June 10 at 10:45PM MST in effect for: Coconino

    Wind Advisory issued June 10 at 2:36PM MST expiring June 10 at 10:45PM MST in effect for: Coconino

    Wind Advisory issued June 10 at 2:36PM MST expiring June 11 at 7:00PM MST in effect for: Apache, Navajo, Yavapai

    Wind Advisory issued June 10 at 2:36PM MST expiring June 11 at 7:00PM MST in effect for: Apache, Coconino, Navajo

    Fire Weather Warning issued June 9 at 3:00PM MST expiring June 11 at 7:00PM MST in effect for: Apache, Coconino, Navajo

    Fire Weather Warning issued June 9 at 3:00PM MST expiring June 11 at 7:00PM MST in effect for: Apache, Coconino, Navajo

    Wind Advisory issued June 9 at 2:36PM MST expiring June 11 at 7:00PM MST in effect for: Apache, Coconino, Navajo

    Insurers pushing bill cutting required auto glass coverage


    Pennsylvania Auto Insurance Coverage #pennsylvania #auto #insurance #coverage, #pennsylvania #car #insurance #coverage,


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    Find the Right Pennsylvania Auto Insurance Coverage for Your Needs

    Feel secure knowing you have an insurance provider you can rely on. With Nationwide, it’s easy to customize your policy with affordable options for Pennsylvania auto insurance .

    Pennsylvania car insurance coverage your policy must have

    Liability coverage

    As a Pennsylvania driver, there are two types of liability coverage your insurance policy must include: property damage and bodily injury.

    • Bodily injury safeguards your assets if you’re found legally accountable for a covered accident, including certain expenses associated with bodily harm sustained by the other party.
    • Property damage safeguards your assets if you are found legally accountable for a covered accident, including property damage sustained by the other party.

    Limited or full tort coverage

    Choose from limited for full tort coverage.

    • Limited Tort limits the right for the insured to seek financial compensation for pain and suffering due to injury in an accident.
    • Full Tort allows the insured to seek financial compensation for pain and suffering due to injury from an auto accident when you are not at-fault.

    When you buy Pennsylvania auto insurance coverage, you’ll need at least the required state minimum amount: $15,000/$30,000/$5,000. This means that in the event of an accident, if you are at fault, you are covered up to $15,000 for bodily injury for each person involved in an incident, with a total maximum of $30,000 per incident. It also covers up to $5,000 for damage to another person’s property.

    Liability coverage also provides for your legal defense if a suit is brought against you as a result of a covered accident.

    Medical benefits

    Pays for necessary medical expenses for you or others covered under the policy, no matter who is at fault.

    Pennsylvania auto insurance coverage that’s smart to have

    It’s often a good idea to add the following coverages to your policy so you can enjoy the security of being protected on the road:

    Comprehensive

    This type of Pennsylvania auto insurance coverage is used to repair your vehicle when physical damage occurs from non-collision related incidents (subject to deductible). Such incidents include theft, fire, vandalism, glass breakage, and contact with animals.

    Collision

    Collision coverage is used to repair your vehicle when physical damage occurs from collision with another vehicle or object (subject to deductible).

    Uninsured/underinsured motorist

    Protects you in the event of an accident where the other party is at-fault and either doesn’t carry insurance or is underinsured.

    • Bodily injury may protect you if you’re involved in an accident and the other party is at-fault and either is uninsured or doesn’t carry enough insurance to cover costs related to your bodily injury damages.
    • Property damage may protect you if you’re involved in an accident where the other party is at-fault and uninsured/underinsured for damages sustained to your vehicle and other covered property (subject to deductible). You do not need Uninsured/Underinsured property damage coverage if you have collision coverage.

    Tailor your policy with these options

    Accident Forgiveness

    With this optional coverage, Nationwide will not raise your auto insurance rates following your first at-fault automobile accident. Learn more about Accident Forgiveness .

    Roadside Assistance

    Nationwide Roadside Assistance coverage is available in two different levels, Basic and Plus, so you can choose the one that works best with your budget. Get covered for fuel delivery, lockout service, jump-starts and more.

    Loss of use

    If you can’t drive your car due to a covered loss, this coverage helps pay for a rental car or other transportation expenses so you can get back on the road.

    Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply.

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    Conditions for Coverage (CfCs) & Conditions of Participations (CoPs) – Centers for

    #hospice conditions of participation

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    Conditions for Coverage (CfCs) & Conditions of Participations (CoPs)

    CMS develops Conditions of Participation (CoPs) and Conditions for Coverage (CfCs) that health care organizations must meet in order to begin and continue participating in the Medicare and Medicaid programs. These health and safety standards are the foundation for improving quality and protecting the health and safety of beneficiaries. CMS also ensures that the standards of accrediting organizations recognized by CMS (through a process called “deeming”) meet or exceed the Medicare standards set forth in the CoPs / CfCs.

    CoPs and CfCs apply to the following health care organizations:

    • Ambulatory Surgical Centers (ASCs)
    • Community Mental Health Centers (CMHCs)
    • Comprehensive Outpatient Rehabilitation Facilities (CORFs)
    • Critical Access Hospitals (CAHs)
    • End-Stage Renal Disease Facilities
    • Federally Qualified Health Centers
    • Home Health Agencies
    • Hospices
    • Hospitals
    • Hospital Swing Beds
    • Intermediate Care Facilities for Individuals with Intellectual Disabilities (ICF/IID)
    • Organ Procurement Organizations (OPOs)
    • Portable X-Ray Suppliers
    • Programs for All-Inclusive Care for the Elderly Organizations (PACE)
    • Clinics, Rehabilitation Agencies, and Public Health Agencies as Providers of Outpatient Physical Therapy and Speech-Language Pathology Services
    • Psychiatric Hospitals
    • Religious Nonmedical Health Care Institutions
    • Rural Health Clinics
    • Long Term Care Facilities
    • Transplant Centers

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    Baltimore. MD 21244





    Medicare Hospice and Respite Coverage #faith #hospice

    #hospice care medicare

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    Medicare Hospice Care Coverage

    When you or a loved one becomes a hospice patient, the last thing you want to worry about is insurance coverage. The final stages of a fatal disease can be mentally, emotionally, physically, and financially devastating for patients and their families. Hospice care is available under Medicare Part A to help ease the burden in all four of the above areas.

    Hospice coverage is critical when a person reaches the final stages of cancer, kidney disease, or similar life-threatening diseases. The patient may need around-the-clock care during this time, and a hospice team can provide necessary medical care, while also relieving some of the caregiving burden.

    What is hospice care?

    Hospice care provides medical services for people with terminal conditions, usually in the patient’s home. A Medicare-approved hospice team administers non-curative medical services and support for patients with a terminal illness. This hospice team may include doctors, nurses, and other health professionals who work with you to create a plan of care.

    To be covered by Medicare, a hospice patient can only receive palliative treatment. This is treatment to control symptoms and manage pain, not to cure the illness. Hospice care is meant to keep the patient as comfortable as possible. The focus is on maximizing the quality of life for each day the patient has left.

    As a Medicare beneficiary, you have the right to stop hospice care at any time if you want to begin curative treatments.

    Hospice-care eligibility

    Not everyone is eligible for hospice care. Patients must meet the following requirements to be covered by Medicare:

    • You must be eligible for Medicare Part A .
    • You must sign a statement agreeing to hospice care instead of standard Medicare-covered medical care to treat the terminal illness and related health conditions.
    • You must agree to receive palliative care for your condition instead of curative treatment.
    • A hospice physician, along with your regular doctor (if you have one) must determine that you are terminally ill with a life expectancy of six months or less.
    • The hospice care must be received through a Medicare-approved hospice program.

    Length of hospice care

    Although hospice care is intended for patients who have six months or less to live, you can get hospice care for longer than this if a hospice doctor continues to certify that you’re terminally ill and you still meet eligibility requirements. You need to be recertified by your doctor at the beginning of each benefit period.

    Hospice-care benefit periods are for 90- or 60-day periods. If you’re just starting hospice care, you can receive hospice services for two 90-day benefit periods, followed by unlimited 60-day periods. Your benefit period starts on the first day you begin hospice care and ends after 90 or 60 days.

    Benefit periods don’t have to be consecutive. Hospice care may be cancelled at any time, and the patient may return to the standard Medicare benefits. For example, if your illness goes into remission or your condition improves, you may not need to continue you hospice care. If you’re eligible again, you may return to hospice care at any time.

    What Medicare hospice care covers

    Medicare hospice care covers medically necessary services and supplies to care for your terminal condition. As mentioned, any care you receive must be through a Medicare-approved hospice program.

    • A one-time hospice consultation with a physician or medical director to discuss your treatment options. You’re covered even if you end up deciding not to get hospice care.
    • Physician services
    • Nursing care
    • Home health and hospice-aide services
    • Homemaker services
    • Medical equipment and supplies
    • Prescription medications for pain and symptom management
    • Physical and occupational therapy
    • Speech-language pathology services
    • Medical social worker services
    • Nutrition counseling
    • Grief counseling for the patient and family
    • Limited respite care for caregivers
    • Limited inpatient care to manage pain and symptoms related to the condition

    A hospice doctor and nurse are on call 24 hours a day, seven days a week. Remember that you’re still covered for health care that isn’t related to your terminal illness.

    What Medicare hospice care doesn’t cover

    There are some limits to hospice coverage. Medicare will not pay for any treatment or medications meant to cure your illness. You’re also not covered for any care that wasn’t set up through your Medicare-approved hospice program. If you aren’t sure whether a service may be covered, check with your hospice team first.

    Medicare doesn’t cover housing if you live in an institution, such as a hospice facility or nursing home.

    Medicare does cover limited inpatient facility care if it’s for respite care and is arranged through your hospice team.

    Costs for hospice care

    Hospice patients pay the following costs:

    • Prescription drugs: Maximum of $5 copayment per outpatient prescription medication to manage pain and symptoms.
    • Respite care (inpatient): You ll pay 5% of the Medicare-approved amount for a maximum five-day stay. Note that you can get respite services more than once as long as it is on an infrequent basis.
    • Room and board: Medicare doesn’t cover costs if you’re staying in a nursing home or hospice facility, unless it’s for short-term respite care.

    Medicare covers all other hospice care costs. There’s no deductible for Medicare-covered hospice care.

    Hospice care may be worth looking into if you or a family member has been diagnosed with a terminal illness. Understanding all of your treatment options, including hospice, will help you decide the best course of action for you and your family.

    To learn about Medicare plans you may be eligible for, you can:

    • Contact the Medicare plan directly.
    • Call 1-800-MEDICARE (1-800-633-4227), TTY users 1-877-486-2048; 24 hours a day, 7 days a week.
    • Contact a licensed insurance agency such as Medicare Consumer Guide s parent company, eHealth.
      • Call eHealth s licensed insurance agents at 888-391-2659, TTY users 711. We are available Mon – Fri, 8am – 8pm ET. You may receive a messaging service on weekends and holidays from February 15 through September 30. Please leave a message and your call will be returned the next business day.
      • Or enter your zip code where requested on this page to see quote.