Posts Tagged ‘MEDICARE HELP’
Question: My current Medicare does not provide good dental benefits, and I am looking for an overall good plan but one that is still low in cost since I am on a low-income budget. I don’t know what to look for to get better dental insurance.
Reply: Many wonder whether Medicare covers dental care services; the answer is complicated. In short, Original Medicare typically does not cover most dental care, including routine dental services like teeth cleanings and X-rays and more specialized treatments like fillings, extractions, and dentures.
However, some ways exist to obtain dental coverage under specific Medicare plans. For example, some Medicare Advantage plans may offer dental coverage as an optional benefit, and some Medicare Supplement plans may provide limited coverage for specific dental services.
It’s important to note that even if you have dental coverage through Medicare, there may still be out-of-pocket costs associated with your care. These can include deductibles, copayments, and coinsurance. Additionally, some plans may have restrictions on which dentists you can see or what types of services are covered, so it’s important to carefully review the details of your plan before seeking dental care. While Medicare does not typically offer comprehensive dental coverage, options are available for supplementing their care.
Affordable Dental Insurance Plans for Your Overall Health and Well-being – Medicarecard.com
At Medicarecard.com, we understand that dental care is essential for maintaining overall health and well-being. That’s why we offer individuals a broad range of dental insurance plans. These plans are separate from Medicare and may work better for your dental care needs. Everyone should have access to quality dental care, regardless of income level.
If you’re looking for budget-friendly dental insurance options, we can help. Our team at Medicarecard.com has put together some helpful information to guide you in selecting a dental insurance plan that meets your needs and budget. We will address various options that provide a range of coverage and benefits.
To learn more about our dental insurance plans or to speak with one of our representatives, please call us at 310-534-3444. We are ready to help you find the right plan to meet your needs and budget.
Affordable HMO Dental Insurance Plans – Comprehensive Coverage and Lower Costs at MedicareCard.com
At MedicareCard.com, we want to provide you with all the options available to help you make the best decision for your needs. While we do offer PPOs and Indemnity plans, we understand that budget-friendly options are more sought after. That’s why we want to focus on HMO dental insurance plans, which are usually the most affordable option.
Our HMO dental insurance plans offer comprehensive benefits, including routine check-ups, cleanings, X-rays, and specialized services like fillings, root canals, and extractions. With an HMO plan, you’ll have access to a network of dentists who have agreed to provide services at a lower cost, helping you save money on dental care.
Of course, we understand that everyone’s dental needs are different, and an HMO plan may not be the best fit for everyone. If you want to learn more about our dental insurance plan options, including PPOs and Indemnity plans, we encourage you to call us at 310-534-3444. Our friendly and knowledgeable representatives will happily answer any questions and help you find the right plan.
What are HMO Dental Insurance Plans, and How Do They Work?
HMO dental insurance plans operate on a network-based system. When you enroll in an HMO dental plan, you are assigned to a primary care dentist who will be your point of contact for all dental care needs. The primary care dentist acts as a gatekeeper, provides preventive care, diagnoses dental problems, and refers you to specialists if needed.
For example, if you have an HMO dental plan and need a root canal, you would schedule an appointment with your assigned primary care dentist. The dentist would examine your teeth, diagnose the problem, and recommend a treatment plan. If the dentist determines that you need a root canal, they will perform the procedure themselves or refer you to a specialist within the plan’s network.
In an HMO dental plan, you typically have a set co-pay for each visit or procedure, and the plan covers the rest of the cost. However, you must receive all your dental care from providers within the plan’s network to receive the plan’s full benefits.
One benefit of an HMO dental plan is that it often has lower premiums and out-of-pocket costs than other dental insurance plans. However, you may need more flexibility in choosing your dentist or specialist, and a referral from your primary care dentist is required to see a specialist.
Overall, HMO dental insurance plans can be a good choice for individuals and families who want affordable dental coverage and are comfortable receiving care within a network-based system.
Factors Affecting the Cost of Dental HMO Plans in California
When choosing a dental HMO plan in California, it’s essential to understand that the cost can differ depending on several factors. Your location, specific dental needs, plan, and provider choice are the main factors influencing the price of a dental HMO plan in California.
On average, dental HMO plans in California can range from $10 to $50 per month. However, our company offers HMO plans for individuals at a much more affordable cost. Our plans range from as low as $7.95 to a maximum of $18.95 monthly. This makes our HMO plans budget-friendly for most people, and you can choose the plan that best suits your needs and budget.
Moreover, with our HMO plans, you can enjoy several benefits, such as lower costs for regular check-ups, cleanings, and other dental services. You can also choose from a wide range of dental providers and specialists in our network to receive the best care for your oral health.
In summary, although the cost of a dental HMO plan in California can vary, our company provides affordable options to help you save money while receiving quality dental care.
Tips on Choosing a Dental Office Within an HMO Network
Choosing a dental office within an HMO network can be daunting, but finding the right provider for your oral health needs is essential. Here are several tips that you can use to help you choose a dental office within an HMO network:
1. Check the HMO Network’s Provider List: The first step in choosing a dental office within an HMO network is to check the provider list of the HMO network you are interested in joining. The list should contain all the dental offices in the HMO network. You can use this list to narrow down your search.
2. Look for Reviews and Ratings: Once you have a list of potential dental offices, you can look for reviews and ratings. You can use various online resources, such as Yelp, Google, or Facebook, to find reviews and ratings for each dental office on your list. This way, you can get an idea of the quality of care provided by each office and the experiences of other patients.
3. Check the Dental Office’s Credentials: Before choosing a dental office, it is essential to check its credentials. You can look up its qualifications, certifications, and licenses. You can also check if the dentist is a member of professional organizations or associations. This will help you ensure that the dental office provides high-quality care.
4. Inquire about Services Offered: Dental offices within an HMO network may offer different services. It is essential to inquire about the services offered by the dental office you are interested in to ensure they provide the services you need. Some dental offices may not offer certain specialized services, such as orthodontics or oral surgery, so it’s essential to ask if they provide the services required.
5. Consider the Location and Hours of Operation: The location and hours of operation of a dental office can also be a crucial factor in your decision. You want to ensure that the office is conveniently located and that the hours of operation are compatible with your schedule. This will make it easier for you to keep your appointments and receive regular dental care.
Additional Tips to Consider When Choosing a Network Dentist
When selecting an HMO dentist, it’s essential to consider any special requirements you may have, such as mobility issues or disabilities. If you use a wheelchair or have any other mobility limitations, it’s essential to confirm that the dental office is handicap accessible and can accommodate your needs.
Here are some tips to help you find an HMO dentist that can meet your specific needs:
1. Check the accessibility of the dental office: Before making an appointment, confirm that the dental office is accessible to you. This includes not only wheelchair accessibility but also the availability of ramps, elevators, and other necessary equipment.
2. Look for dentists with experience treating patients with disabilities: Some dentists have specialized training and experience in treating patients with disabilities. Look for dentists with experience working with patients with similar needs to yours.
3. Consider the location and travel time: When choosing an HMO dentist, consider the location of the dental office and the travel time required to get there. If you have mobility issues, a dental office that is too far away or difficult to get to may not be practical.
4. Ask about accommodations: Be bold and ask the dental office staff about accommodations they can make to ensure your visit is comfortable and safe. For example, they can arrange a wheelchair-accessible exam room or provide additional assistance during your visit.
Dental care is essential for maintaining overall health and well-being, and everyone should have access to quality dental care. When selecting an HMO dentist, finding a provider who can meet your needs and ensure you receive the care you deserve is necessary. Following these tips, you can choose a dental office within an HMO network that meets your oral health needs and provides high-quality care.
Comparing HMO Plan Benefits
When comparing the benefits of HMO plans, it’s essential to research and ensure that the plan you choose provides the dental services you need at a cost that fits your budget. One of the benefits of HMO plans is that they typically offer a complete fee schedule of the dental services they cover and the cost for each service. This makes it easy to compare plans and choose the one that best meets your needs.
To get started, compare a few plans against your current one and find an option that provides better benefits. Specific HMO plans may offer more comprehensive coverage for the dental services you need, such as routine cleanings, fillings, and extractions. Some HMO plans may also cover specialized services like orthodontics or periodontics.
When comparing HMO plans, it’s also essential to consider the cost. You want to ensure you are getting the most bang for your buck. Some HMO plans may have lower premiums but higher co-pays for certain services, while others may have higher premiums but low or no co-pays for routine care.
The key to finding the best HMO plan for your needs is to research, compare the benefits and costs of different plans, and choose the one that provides the most comprehensive coverage at a price that fits your budget. By exploring your options and making an informed decision, you can ensure that you have the dental coverage you need to maintain good oral health and overall well-being.
In conclusion, dental care is essential for maintaining overall health and well-being. While Medicare typically does not offer comprehensive dental coverage, options are available for supplementing your care. At Medicarecard.com, we offer a broad range of dental insurance plans that are separate from Medicare and may work better for your dental care needs. Our team can help you find an affordable plan that meets your needs and budget.
Comprehensive and Budget-Friendly HMO Dental Insurance Plans – Save Money on Dental Care Today!
We specialize in offering comprehensive, budget-friendly HMO dental insurance plans that provide a range of coverage and benefits. With an HMO plan, you’ll have access to a network of dentists who have agreed to provide services at a lower cost, helping you save money on dental care. Everyone should have access to quality dental care, regardless of income level.
To learn more about our dental insurance plans or to speak with one of our representatives, please call us at 310-534-3444. Our friendly and knowledgeable representatives are available Monday through Friday from 8 a.m. to 4 p.m. to answer any questions and help you find the right plan. Don’t delay your dental care any longer. Contact us today to get started.
At MedicareCard.com, we aim to simplify the complex process of signing up for Medicare. We understand that the process can be overwhelming, especially for those new to the system. That’s why we have created a platform that provides you with all the information you need to make informed decisions about your healthcare coverage.
Our team of experts is dedicated to creating blogs that are easy to understand and provide valuable insights into the world of Medicare. Whether you seek information on eligibility requirements, enrollment deadlines, or coverage options, we have you covered.
In addition to Medicare, we offer dental and vision insurance plans that can provide extra coverage. Our plans are designed to meet the specific needs of our customers and provide various options.
If you have any questions or concerns about Medicare or our insurance plans, our friendly and knowledgeable customer service team is here to help. We are committed to providing you with the support you need to make the best decisions for your healthcare needs.
If you have any questions regarding dental and vision plans, please don’t hesitate to call our office at 310-534-3444. Our team of experts will be more than happy to assist you and address any concerns.
Question: I am almost 65 and wondering how I sign up for Medicare.
Tips for a Smooth Medicare Enrollment Process
When it comes to signing up for Medicare, there are a few things that you can do to improve the process and make it as smooth as possible. First and foremost, it’s essential to understand that you have several application options. You can apply online at the Social Security website, visit a Social Security office in person, or call Social Security at 1-800-772-1213. Whichever option you choose, be sure to have your personal information and relevant documents on hand to make the process quicker and easier.
One helpful tip is to apply for Medicare three months before your 65th birthday, even if you’re not ready to retire. This will help ensure that your coverage starts on time and you avoid late enrollment penalties. Additionally, if you’re still working and have health insurance through your employer, you may be able to delay your Medicare enrollment without penalty. However, it’s important to understand the rules and requirements around this option to avoid any complications down the line.
Another tip is to carefully review the different Medicare plans available and choose the one that best fits your needs and budget. There are various types of Medicare plans, including Original Medicare (Parts A and B), Medicare Advantage (Part C), and Medicare Supplement (Medigap) plans. Each plan has its benefits, costs, and restrictions, so be sure to research and compare the options before deciding.
Finally, don’t hesitate to ask for help if you need it. Many resources, including Social Security representatives, Medicare counselors, and online resources, are available to help you navigate the Medicare enrollment process. By educating yourself and making informed decisions, you can ensure that you get the coverage you need and avoid any potential issues or penalties.
What are the specific eligibility requirements for Medicare enrollment?
Medicare is a federal health insurance program that covers people who meet specific eligibility requirements. You are generally eligible for Medicare if you are 65 or older and a U.S. citizen or permanent legal resident who has lived in the United States for at least five consecutive years.
However, there are some exceptions to the age requirement. You may also be eligible if you are under 65 and have a qualifying disability or end-stage renal disease. This means that if you have a severe health condition that prevents you from working, you may qualify for Medicare benefits before age 65.
In addition to meeting the age or disability requirements, you or your spouse must have paid Medicare taxes for at least ten years to be eligible for premium-free Medicare Part A. If you or your spouse have worked and paid Medicare taxes for at least ten years, you will not have to pay a premium for Medicare Part A coverage.
It is important to note that while Medicare provides coverage for many healthcare services, it does not cover all costs. There may be deductibles, copayments, and other out-of-pocket expenses that you will need to pay. However, Medicare coverage can help you save money on medical bills and ensure access to necessary healthcare services.
Is there a penalty for not enrolling in Medicare Part A at age 65?
It’s crucial to remember that if you’re not eligible for premium-free Medicare Part A and don’t enroll during your initial enrollment period, you’ll be subject to a penalty. The penalty can be a 10% increase in your premium for twice the years you were eligible for Part A but did not enroll. For instance, if you were eligible for Part A for two years but failed to enroll, you would have to pay the 10% penalty for four years. So, enrolling in Medicare on time is essential to avoid any penalties that could cost you more money in the long run. Don’t hesitate to contact a Medicare representative if you have questions about your eligibility or enrollment period.
Medicare Prescription Drug Coverage, Co-pays, and Eligibility Rules
Medicare prescription drug coverage, also known as Medicare Part D, is an optional benefit available to Medicare beneficiaries to help pay for prescription drugs. Private insurance companies approved by Medicare offer this coverage, which can be added to Original Medicare (Parts A and B) or a Medicare Advantage plan (Part C) that doesn’t already include prescription drug coverage.
To be eligible for Medicare Part D, you must be enrolled in either Medicare Part A or Part B. You can enroll in Part D during your initial enrollment period when you first become eligible for Medicare, during the annual open enrollment period from October 15 to December 7, or a particular enrollment period if you experience a qualifying life event.
When you enroll in a Medicare Part D plan, you usually pay a monthly premium, an annual deductible, and co-pays or coinsurance for each prescription drug you receive. The co-pays or coinsurance amounts can vary depending on the specific plan and the drug you need. However, programs are also available to help lower the costs of prescription drugs for those who qualify based on their income.
It’s important to review your Medicare Part D plan each year during the open enrollment period to ensure it still meets your needs and covers the prescription drugs you need. You can also switch to a different plan during this time if you find one that better meets your needs.
In summary, Medicare Part D is an optional benefit that can help you pay for prescription drugs if enrolled in Medicare Part A or B. You will usually pay a monthly premium, an annual deductible, and co-pays or coinsurance for each prescription drug you receive. To be eligible for Part D, you must be enrolled in either Part A or Part B and meet other specific requirements.
Understanding Medicare Enrollment: Simplifying the Process and Making Informed Decisions with Medicarecard.com
At Medicarecard.com, we understand that the Medicare enrollment process can be overwhelming, especially for newcomers. Our goal is to provide you with all the information you need to make informed decisions about your healthcare coverage and simplify signing up for Medicare.
We hope that this article has answered some of your questions and provided you with valuable insights into the world of Medicare. Our team of experts is dedicated to creating accessible and easy-to-understand blogs covering a wide range of Medicare enrollment, eligibility, and coverage options.
We aim to ensure you have all the necessary information to make informed decisions about your healthcare coverage. We are committed to providing you with the support you need to navigate the complex world of Medicare and ensure you get the coverage you need.
If you have any further questions or concerns about Medicare enrollment or our dental and vision insurance plans, please don’t hesitate to contact us. Our friendly and knowledgeable customer service team is here to help, and we look forward to assisting you.
Welcome to Medicarecard.com, your trusted partner for comprehensive dental coverage and freedom to choose your dental provider. We understand that Medicare is a widely used healthcare program that provides coverage for various medical services. However, it has certain limitations regarding dental services, leaving many beneficiaries with limited options for dental care. That’s where we come in to help.
At Medicarecard.com, we offer several dental insurance options, including PPO and HMO plans and lower-cost dental discount plans that can help you save money on dental care. Our plans provide access to a broader range of dental providers and offer more comprehensive coverage for dental services, including routine cleanings, fillings, tooth extractions, and more. We also provide additional benefits, including coverage for orthodontic services and limited cosmetic procedures.
We understand that dental care can be expensive, so we offer a range of affordable dental insurance plans to fit your budget. By choosing your dental provider, you can ensure that you receive the quality care you deserve without feeling limited by the providers offered by Medicare or Medi-Cal.
Are you someone who values the ability to choose your dental provider but feels limited by the dental services provided by Medi-Cal? Do you want a dental insurance plan that offers more comprehensive coverage and allows you to keep your current provider? If so, Medicarecard.com has you covered.
Don’t let limited coverage or high costs prevent you from getting dental care. Contact us today at 310-534-3444 to explore our dental insurance plans and take the first step towards a healthier smile.
Understanding Medicare’s Limitations on Dental Services and When They May be Covered
Medicare is a widely used healthcare program that provides coverage for various medical services. However, Medicare has certain limitations regarding dental services. In most cases, Medicare does not cover routine dental services such as cleanings, fillings, tooth extractions, or dentures, which can leave many Medicare beneficiaries with limited options for dental care.
That said, there are certain instances where Medicare may cover dental services. For example, suppose you are admitted as a hospital inpatient for a dental procedure due to your underlying medical condition or the severity of the procedure. In that case, Medicare may cover certain dental services. Additionally, Medicare may cover specific inpatient or outpatient dental services directly related to certain covered medical treatments.
It’s important to note that dental service is necessary in these cases for the success of the medical treatment you need. For instance, if you need a heart valve replacement or a bone marrow, organ, or kidney transplant, you may be eligible for an oral exam and dental treatment before the procedure. If you need cancer treatment services like chemotherapy, Medicare may cover a tooth extraction to treat a mouth infection before you receive treatment. Finally, if you experience complications while receiving head and neck cancer treatment services, Medicare may cover treatment for dental complications.
Although Medicare does not cover routine dental services, knowing that certain circumstances may allow coverage is reassuring. It’s important to discuss your dental needs with your healthcare provider and explore your options for dental care.
Medi-Cal Dental Benefits: Comprehensive Coverage for Dental Services
Medi-Cal is a healthcare program that offers dental benefits to eligible people. Medi-Cal dental providers administer these dental benefits and cover various dental services.
One of the best things about Medi-Cal dental benefits is that there is no limit for covered, medically necessary dental services. This means that if a dental service is necessary for your overall health, Medi-Cal will cover it. However, there is a limit of $1,800 per year for covered dental services. It’s important to note that if other insurers also cover any of these benefits, those insurers must be billed before Medi-Cal.
So, what dental services are covered by Medi-Cal? The range of dental services covered by Medi-Cal includes but is not limited to:
- Diagnostic and preventive dental hygiene, including examinations (every 12 months), x-rays, teeth cleanings (every 12 months), and fluoride varnish (every 12 months)
- Fillings
- Root canal treatments
- Scaling and root planning
- Crowns
- Emergency services for pain control
- Tooth extractions
- Periodontal maintenance
- Complete and partial dentures, including dentures, relines
You can access these services through a Medi-Cal dental provider if you are a dual-eligible patient. Most Medi-Cal patients receive dental services through Medi-Cal Dental Fee-For-Service; however, Medi-Cal Dental Managed Care is available in Los Angeles and Sacramento counties.
Don’t let the cost of dental services hold you back from taking care of your teeth. Medi-Cal has some dental benefits that cover a variety of services.
MedicareCard.com: Samantha’s Story of Finding Comprehensive Dental Insurance Coverage
Samantha had always been diligent about her dental health, but as she aged, she realized the importance of having comprehensive dental insurance coverage. She was a Medi-Cal beneficiary, but she was unhappy with the limited dental services provided through the program. To explore her options, Samantha turned to MedicareCard.com.
After browsing their website and speaking with one of their agents, Samantha learned that MedicareCard.com offers dental insurance plans that provide more comprehensive coverage than Medi-Cal. She was impressed by the variety of plans available, including PPO and HMO plans and lower-cost dental discount plans, all of which could help her save money on dental care.
Samantha was particularly drawn to MedicareCard.com’s freedom to choose her dental provider, which was not possible with Medi-Cal. She had been seeing the same dentist for years and didn’t want to switch to a new provider just because Medi-Cal didn’t cover her preferred dentist.
Ultimately, Samantha decided to purchase an individual dental insurance plan through MedicareCard.com. She chose a PPO plan that offered a wide range of dental services and allowed her to keep seeing her current dentist. The plan was affordable, and she was pleased with the additional benefits, such as coverage for orthodontic services and limited cosmetic procedures.
Samantha felt more confident about her health with her new dental insurance plan. She could schedule routine cleanings and checkups with her preferred dentist, and she didn’t have to worry about unexpected dental expenses. She was grateful to have found MedicareCard.com and their helpful agents who guided her through selecting the right plan for her needs.
As time passed, Samantha’s decision to purchase individual dental insurance instead of relying solely on Medi-Cal proved to be the right choice. She had several dental issues that needed attention, including a root canal and a crown, which were covered by her plan. She was relieved she didn’t have to pay the full cost for these expensive procedures, which would have been difficult on her fixed income.
Samantha also appreciated the flexibility of her dental insurance plan. She could switch to a different dentist when her preferred provider retired, and she continued receiving the same quality care she had expected. She also recommended MedicareCard.com to her friends and family who were looking for more comprehensive dental coverage.
In conclusion, buying individual dental insurance from MedicareCard.com was the right choice for Samantha. The comprehensive coverage, freedom to choose her dental provider, and affordable prices significantly impacted her dental health and overall quality of life. If you, like Samantha, are a Medi-Cal beneficiary looking for more comprehensive dental coverage, visit MedicareCard.com or call 310-534-3444 to explore your options and find the right dental insurance plan.
Medicare is set to begin negotiating lower prices with drug companies in the fall as a part of President Biden’s Inflation Reduction Act signed in 2022. However, some key players are hoping to avoid these negotiations altogether. The leading industry groups filed a lawsuit against the administration in June, claiming that the program violates the First and Fifth Amendments. Who will emerge victorious in this legal battle over drug prices remains to be seen.
January’s unemployment rate was 9%, and that means that there are a lot of Americans who still need jobs. The local paper is a good way to find jobs close to home, and these days many jobs are posted online. Don’t forget that there are lots of government jobs out there too. If you’re looking for a job or an internship with the federal government, you’ll find all federal job openings announced to the public at USAJOBS. Check out your state job bank for even more job opportunities in your area. If you need a job-seeking advice, look up your local Department of Labor office and see what services they offer to job seekers in your area.
And if the job sounds too good to be true, it probably is. Be aware of job scams.
During Women’s History Month, learn about influential women in American history, including military veterans, musicians, and a former First Lady.
Valentine’s Day is just around the corner. For me, that means I’ll be receiving a prank Valentine card in the mail from my mom, which was supposedly sent by one of the guys that I knew in my teen years. Despite her attempts to disguise her handwriting, I always know they are from her. As usual, I laugh at the card and she denies any wrongdoing. What a fraud.
Unfortunately, there are more serious frauds that are no laughing matter. Have you heard of the term “sweetheart scam ”? It’s a term that refers to a situation where a scammer acts as if they are interested in developing a romantic relationship with you. They spend time with you (generally on online dating sites) and develop an emotional connection; however, their only intention is to take your money. Some signs to watch out for include:
- Quick declarations of love
- Insistence that you move your communication off of the dating site and use personal email
- Requests that you send money to pay for travel or emergency expenses
- Plans to visit you are prevented due to a traumatic event
Younger adults are not the only ones victimized by this type of scam. Seniors are particularly vulnerable to sweetheart scams. In such cases, the scammer may be trying to get more than fast cash. They may also have long-term hopes of getting access to the senior’s financial assets and maybe even gain power of attorney. Isn’t that horrible?
You can report a sweetheart scam to the Federal Trade Commission for investigation. And if you choose to date online, use the same privacy tips that you would use on other social networking sites.
Do you have other tips to share about how to prevent this type of scam?
Just a few weeks ago, I wrote a post about not being caught off-guard in summer storms. Sometimes I need to learn to take my own advice.
This past Sunday a wicked thunderstorm tore through the Maryland, DC and Virginia area. There were tornado warnings in some areas and, though I don’t think any funnel clouds were actually spotted, the storm left quite a mess to clean up.
I wasn’t the least bit prepared for it. I had no idea storms were in the forecast. I was busy helping a friend move.
By the time I got back home, I found out my house had been without electricity for eight hours. Traffic lights were out everywhere, creating back-ups while police tried to direct traffic at some of the busiest intersections.
As I stumbled up the stairs by the glow from my cell phone screen, I tried to remember where I’d stashed my flashlight. I knew I had one somewhere, but of course when I found it the batteries were almost dead so the light flickered a lot.
Luckily, my power came back on about a half hour later. Being able to run the fans and the air conditioner helped cool the stuffiness and I was lucky that none of the food in my fridge had gone bad.
Several of my friends and coworkers aren’t expecting to get their power back until the end of the week. They’re getting by on candlelight and flashlights and eating most of their meals at restaurants since all the food in their fridges has gone bad.
It’s a crappy situation all around, but stuff like this always reminds me of the importance of being prepared in an emergency. FEMA has a great list of things to keep on hand, just in case, as well as advice on how to put a disaster kit together.
I know I need to find some new batteries for my flashlight. What’s one thing you need to do to be prepared for the next big storm?
Airline travel has gotten so complicated. Security lines are long; there are extra fees for baggage; adults need to keep out their federal or state-issued ID through the checkpoint; and there are restrictions on what can be carried onto the flight. The Transportation Security Administration’s (TSA) website is the first place to go to find out the truth about these restrictions.
Here are three things you can’t carry on to your flight:
- Liquids over 3.4 ounces (including toothpaste)
- Scissors (blades larger than 4 inches)
- Knives with sharp blades, including pocketknives
Check the full list of prohibited items at the TSA website.
By the way, you can carry-on nail clippers, lighters, medications and knitting needles.
Are you curious about what happens to all the items that don’t make it through the security checkpoint? Check out Blogger Bob’s answer on the TSA Blog.
If you have questions or comments on your security experience, you can send TSA an email via Talk to TSA. It will be answered by the person in charge of security at the airport for which you’re commenting. Happy traveling!
Arlene Hernandez is the manager of Kids.gov, the government’s official source for kids to find all kinds of government information.
When I was a teenager and hanging out at the mall, I used to see young kids whaling and crying and throwing a fit at the toy store. I would think “Geez, what’s up with that kid?” and I probably rolled my eyes.
Now that I’m a mother of a 3-year-old, when I see that situation all I think is “Oh that poor parent… I feel your pain.”
The other night, my son had a big meltdown. He refused to put his pajamas on. First it was a whimper, but within a few minutes it was a full-blown tantrum, complete with yelling, tears, stomping and throwing his body on the floor. My husband and I were just looking at each other like “I have no idea what to do… Can someone please call Super Nanny?”
I wish that I would’ve known about the Child Welfare Information Gateway. They have a whole section on dealing with temper tantrums (also available in Spanish). Some tips to remember:
1. Redirect your child’s attention to something else, like a favorite toy or a trip to the library.
2. Remain calm and don’t lose control.
3. Hug or hold your child until the tantrum subsides.
4. Put your child in a quiet place where he or she can calm down.
So for all the parents out there – how do you deal with tantrums? Do time outs work for you? Has anyone tried using positive discipline? Any suggestions for me and our readers?
National Institutes of Health scientists have discovered that the activation of immune cells called basophils causes kidney damage in a mouse model of lupus nephritis. These findings and the team’s associated research in humans may lead to new treatments for this serious disease, a severe form of systemic lupus erythematosus (SLE) that affects the kidneys and is difficult to treat.
When I was a little kid I can remember my mom warning me not to swim too close to the drains in pools and not to put my head under the water in hot tubs. She was concerned that my ponytail would get caught and I would drown.
I always thought that was a little morbid. I was just a kid and wanted to have fun.
But my mom had reason to be concerned. The Consumer Product Safety Commission launched the Pool Safely campaign earlier this week in response to the number of injuries and deaths from submersions and entrapments in pools and spas.
The commission released some scary statistics:
From 2005-2007, for children younger than 15, there was an average of 385 drownings in pools and spas each year.
74 percent of those fatalities happened at a home and not in a public pool.
The new campaign will help educate people about the simple steps they can take to make sure their kids stay safe around the water.
Tips include:
- Make sure drain covers meet compliance standards
- Install fences with self-latching gates around pools to keep children from falling in
- Don’t let kids swim unsupervised.
- Learn CPR to be prepared
What tips do you have for keeping you and your kids safe in the pool?
Once you decide that you want prescription drug coverage, think about what matters most to you. There are a range of plan options available, so you can focus on the kind of coverage you prefer. There are two ways you can get your Medicare drug coverage.You can add drug coverage to the traditional Medicare plan through a “stand alone” prescription drug plan.
Or you can get drug coverage and the rest of your Medicare coverage through a Medicare Advantage plan, like an HMO or PPO, that typically provides more benefits at a significantly lower cost through a network of doctors and hospitals. No matter what type of plan you choose, you can choose a plan that reflects what you want in terms of cost, coverage and convenience.
- Cost: What you pay for the coverage, including premiums, deductible, and payments for your drugs.
- Coverage: What benefits are provided (like coverage in the “coverage gap” and other coverage enhancements), which drugs are covered and the rules (like prior authorization) for getting those drugs.
- Convenience: Which pharmacies are part of the plan and whether the plan has a mail-order option.
The Centers for Medicare & Medicaid Services has created an online resource, Landscape of Local Plans . This resource helps you find Medicare prescription drug plans by state or Medicare Advantage plans with prescription drug coverage by county. It lets you see the plans in your area that offer drug coverage, including basic information to help you find ones that meet your needs based on cost, coverage, and convenience.
This is the first week that you can see drug plan data. Some of the features of the Medicare Prescription Drug Plan Finder are not yet available. These features will allow you to further personalize your search for a drug plan that meets your needs. These features will be available well before you can choose to enroll in a plan on November 15.
Right now, it is important to get ready to choose a plan by making a note of the drugs you take, the coverage features most important to you, and any specific pharmacies you prefer to use. The Landscape of Local Plans is a good resource for finding out about the plans in your area to get ready to make a choice.
Reference: http://www.medicare.gov/MedicareReform/drugbenefit.asp
The best individual dental insurance on the internet: http://www.insurancecompany.com
Now, you can help someone you care about apply for Extra Help with their Medicare prescription drug plan costs. Anyone who has Medicare can get Medicare prescription drug coverage. Some people with limited resources and income also are eligible for Extra Help to pay for the costs—monthly premiums, annual deductibles, and prescription co-payments—related to a Medicare prescription drug plan. The Extra Help is estimated to be worth an average of $3,900 per year.
Many people qualify for these big savings and don’t even know it. To find out if someone is eligible, Social Security will need to know the value of their savings, investments and real estate (other than their home), and their income. If they are married and living with their spouse, we will need this information for both of them.
To qualify for Extra Help, they must:
- Reside in one of the 50 states or the District of Columbia
- Have resources limited to $12,510 for an individual or $25,010 for a married couple living together. Resources include such things as bank accounts, stocks and bonds. We do not count their home and car as resources; and
- Have income limited to $16,245 for an individual or $21,855 for a married couple living together.
Even if their annual income is higher, the ones you care about still may be able to get some help with their monthly premiums, annual deductibles and prescription co-payments. Some examples where income may be higher include if they or their spouse:
—Support other family members who live with them;
—Have earnings from work; or
—Live in Alaska or Hawaii.
Note: Beginning January 1, 2010, more Medicare beneficiaries may qualify for Extra Help because some things no longer count as resources and income. We will no longer count as a resource any life insurance policy; and we will no longer count as income the help they receive regularly from someone else to pay their household expenses—food, mortgage, rent, heating fuel or gas, electricity, water, and property taxes.
How will Electronic Records Express affect my work routines?
The fax and secure website options should integrate easily with existing work processes. If your records are already electronic, you will be able to upload files directly instead of printing. If your records are on paper, you can use the website by scanning, instead of photocopying your records or you can fax your records.
Why is the letter with the barcode so important?
The letter with the barcode is important because it helps us link the records or information you send to the applicant’s unique disability folder and make any appropriate payment to you. If you do not include the letter with the barcode as the first page, there may be significant delays associating the information with the applicant’s electronic disability folder and making payment to you.
How will I know whether my electronic record transmission was successfully received?
When using the secure website, you’ll receive an immediate tracking information page which you can print or store electronically for your records. When sending by fax, your fax machine should indicate a successful transmission including the number of pages that were sent.
Can I amend my reports?
You may choose to amend your reports by sending new information; however, the original reports you sent will remain part of the electronic file.
Will this change the amount that I am paid for my reports?
No, the compensation will remain the same. However, you may notice resource savings when you send records electronically to Social Security.
How will I know the applicant is giving informed consent to have their records sent electronically?
Social Security complies with all laws and regulations regarding release of medical and school records. Form SSA-827, “Authorization to Disclose Information to the Social Security Administration,” which accompanies every request for health and school records from Social Security, contains language that specifically permits electronic processing.
Are the Electronic Records Express options compliant with the Health Insurance Portability and Accountability Act?
Yes, both the online and fax options comply with the goals of the Health Insurance Portability and Accountability Act of 1996 (HIPAA). If used in conjunction with a properly designed and implemented HIPAA plan, these options can add significant value to safeguarding the security of your patient data.
Are the Electronic Records Express options compliant with the Family Educational Rights and Privacy Act?
Yes, both the online and fax options comply with the goals of the Family Educational Rights and Privacy Act of 1974 (FERPA). These options can add significant value to safeguarding the security of your student data.
How can I send in evidence when my client’s case is an electronic case?
You can submit evidence directly to your client’s case file by using your office fax or through the Social Security secure Electronic Records Express website. Both of these methods require that you use the specific barcode provided for your client by the state Disability Determination Services (DDS) or the Social Security hearing office that is handling your client’s disability claim. For example, if your client’s case is at the hearing level, you would contact that hearing office to obtain a barcode for your client.
What hardware or software will I need to use the secure website?
Most common Internet browsers will support the secure website. If you experience issues or difficulties, call the Social Security Electronic Records Express Help Desk at 1-866-691-3061 or send them an email at electronic-records-express@ssa.gov for assistance.
Are there costs to use the secure website?
No. The government provides this service free of charge.
SSA needs information about work that exists throughout the nation to determine whether claimants’ impairments prevent them from doing not only their past work, but any other work in the U.S. economy. SSA uses the DOT and its companion volume, the Selected Characteristics of Occupations (SCO), as the primary sources of information about jobs and job requirements. However, the Department of Labor last updated the DOT in 1991 and has no plans to conduct further updates. As a result, OPDR is developing short and long term strategies to obtain updated occupational information used in disability evaluation.
The short-term project consists of two parts: 1) Acquire existing, updated occupational information in a format consistent with the Dictionary of Occupational Titles (DOT), and 2) Obtain the services of an Independent Evaluator who will assess the accuracy and reliability of this occupational information. The goal of the short-term project is to provide SSA with updated occupational information that will be formatted in a manner consistent with the format and definitions found in the Dictionary of Occupational Titles (DOT). This updated occupational information will provide disability adjudicators with updated occupational information that can be seamlessly incorporated into SSA’s disability adjudication process while long-term solutions are developed.
The long term project goal is to develop an occupational information system designed specifically for SSA’s disability process. We will conduct research to obtain and classify current occupational information critical for evaluating disability. We will also conduct investigations to test policy options and to improve SSA’s medical-vocational assessment of disability claimants in light of the new occupational information we obtain. These activities will involve the collaboration of internal SSA components, already convened as the Occupational Information System Development Workgroup, that will provide guidance on policy and operational issues and end-user needs.
One important element to our long-term research is the development of the Occupational Information Development Advisory Panel established under the Federal Advisory Committee Act. The Panel will consist of occupational analysts, vocational rehabilitation experts and other relevant professionals and medical practitioners who will guide and oversee SSA’s long-term research efforts, including recommendations at each stage of research and investigation. For additional information on this effort, please visit www.ssa.gov/oidap.
The ADA specifically permits testing for illegal drug use. Drug tests are not regarded as medical examinations for employment purposes. Companies may elect to apply these tests to applicants or employees. The ADA specifically acknowledges that certain occupations, such as those in the transportation industry, may require such testing to ensure the welfare of the public. The ADA does not recognize a person who actively abuses illegal substances as having a disability. Applicants or employees abusing illegal drugs are not protected by the ADA on the basis of the drug use. A company may impose penalties on these employees and not be charged with discrimination.