Medicare Parts A and B do cover preexisting conditions, but some Medigap policies may have restrictions.

Preexisting conditions are chronic medical concerns that a person may have prior to taking out health insurance.

Examples of preexisting conditions include:

• cancer
• congestive heart failure
• diabetes

Although Medicare is a health program for those aged 65 and older, some people may qualify for Medicare at an earlier age if they have a disability or qualifying condition.

Preexisting conditions may affect a person’s ability to get a supplementary Medicare policy (Medigap). This article will cover how preexisting conditions may affect Medicare coverage.

3 Steps to Planning for Steady Retirement Income

The first step in creating retirement income is to picture how you’d like to spend those years. This way you can understand how much money you’ll need and prioritize what’s most important.

1. Prioritize It
The first step is to picture what you’d like to do in retirement. This way you
can understand how much money you’ll need and prioritize what’s most
important.

Start by asking yourself questions about:

• Logistics – Where will I live? Do I need/want a new car? What’s my
• retirement date?
• Lifestyle – Will I travel, volunteer or get a part-time job?
• Legacy – What will I leave to family, friends or philanthropic projects?

We understand that choosing the right Medicare plan can be a confusing task, with so many options to consider. You may be familiar with Original Medicare, which includes Medicare Part A (hospital coverage) and Part B (medical coverage). But there's an option that goes beyond what Original Medicare has to offer - a Medicare Advantage plan.

During the Medicare Annual Enrollment Period, also known as the Annual Election Period, you can make changes to your current Medicare coverage. The Medicare Annual Enrollment Period, or AEP, runs from October 15th to December 7th every year.

If you are enrolled in a Part D plan but cannot afford your prescriptions—whether or not you have Extra Help or get help from a State Pharmaceutical Assistance Program (SPAP)—there are a few additional strategies that may help lower your drug costs.

​Doctors are supposed to heal, not harm their patients. But sometimes doctors inadvertently cause harm by prescribing drugs, which can have dangerous side effects, be addictive, or even be lethal. This article details five of the most dangerous prescription drugs, which outrank the death toll of even the most deadly recreational drugs, such as heroin and cocaine.

​First aid is immediate attention to a medical problem. It can be as simple as removing a splinter in a finger. Or it can be a life saving procedure, such as administering CPR.

More than 44 million Americans 65 and older have gotten at least one dose of the COVID-19 vaccine, and over 36 million are fully vaccinated, according to recent data from the Centers for Disease Control and Prevention. And with that protection in hand, many are finding that the open road is again calling.

​EPIC (Elderly Pharmaceutical Insurance Coverage) is the New York State Pharmaceutical Assistance Program (SPAP) that helps older adults with Medicare pay for prescription drug costs. EPIC is available to New York State residents who: