Have you ever been surprised to discover an abnormal test result? Surprised because the result either had not been communicated to you or communicated in an untimely manner? The Department of Health and Human Services (HHS) has instituted a new federal rule which requires lab results be released directly to patients. This rule supersedes the Health Insurance Portability and Accountability Act (HIPAA) and the Clinical Laboratory Improvement Amendments (CLIA). In the United States, CLIA … [Read more...] about Your Rights To Lab Results
The thought of sudden incapacitation or death and estate planning can be a very difficult topic for many individuals and families. Each person has a unique timetable as to when an estate is planned legally versus verbally expressing desires or wishes to loved ones or trusted advisors. However, just a digital footprint is created for internet users, the question arises as to what happens to the digital afterlife? However as we continue to use the internet for everything it seems imaginable, a … [Read more...] about How to Protect Your Digital Afterlife
Three buckets you say? Three buckets of ... ? Three bucket retirement strategy. We've all heard of the four percent rule and the buy less stocks, more bonds as one ages. The traditional four percent rule recommends that retirees liquidate no more than 4 % of their retirement portfolio per year; four percent is considered the "safe" rate. However as the population ages and life expectancies increase, a retirement portfolio remains under pressure to fund a retirement which could easily last … [Read more...] about The Three Bucket Retirement Strategy
I have been a connoisseur of sorts of healthcare.gov since its' launch on October 1st. In the interim, the President has issued an apology due to the lack of functionality, the glitches and down time of the website. In mid November the President stated that those with a cancelled insurance policy could indeed keep their policy. As one of the cancelled January lst group I can state that I cannot keep my policy. Blue Cross will not allow their members to keep the policies as they do not conform … [Read more...] about Healthcare.gov Progress?
One benefit of the Affordable Health Care Act is the inclusion of preventive care regardless if one is receiving Medicare. Patients are not charged a copayment or coinsurance to access preventive services including blood pressure screening, cholesterol screening, abdominal aortic aneurysm screening, diabetes screening plus an extensive list of other services. Vaccinations are amongst the services covered. The annual deductible does not have to be met to access these services. The … [Read more...] about Affordable Care Act Benefits Seniors