| Prepaid Legal Service Plans |
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| More and more, prepaid legal service plans are offered to help consumers access legal services at a reduced cost. These plans are often described as a form of insurance because a monthly premium is typically paid in exchange for the right to receive some forms of legal services free and others at a reduced fee. More... |
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| Medicare - Supplemental Health Insurance - Need and Eligibility |
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| There are many items that Original Medicare will not cover under either Part A hospitalization coverage or Part B medical insurance. These include routine care, such as annual medical checkups, eye examinations and corrective wear, dental work, and most immunizations. Items that are not medically reasonable or necessary are also excluded. Examples of these items include cosmetic surgery, private nurses, and personal conveniences. In addition to items that are not covered, Medicare beneficiaries must pay coinsurance, copayments, and deductibles, all of which increase their out-of-pocket costs and create a market for supplemental health insurance. More... |
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| Asset Management - Viatical and Senior Settlements |
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| In a viatical or senior settlement, a person who owns a life insurance policy sells the policy for a lump sum payment, usually a percentage of the policy's face value, to a buyer. The buyer of the policy then becomes the beneficiary, pays the premiums, and receives the full amount of the insurance when the original owner dies. Viatical settlements can be risky for both the sellers and the buyers and should be evaluated carefully. More... |
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| Housing -Home Care Services Overview, Medicare Certification, And Licensure |
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| Many different services are provided in the homes of elderly Americans to enable them to live independently as long as possible before entering nursing care. These resources include home health services, hospice care, homemaker services, private staff, therapy companies, and dealers of medical equipment and supplies. More... |
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| Readmission into a Nursing Home Facility |
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| A nursing home resident may need to leave the facility for any number of reasons such as hospitalization, family visits, or other types of therapeutic leave. Nursing homes have policies governing bed reservations or "bed holds" in the event that a resident has to leave the facility. More... |
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