Kelly Insurance Services

Long Term Care are services that include medical and non-medical care provided to people who are unable to perform basic activities of daily living such as dressing or bathing. Long-term supports and services can be provided at home, in the community, in assisted living or in nursing homes. Individuals may need long-term supports and services at any age. Medicare and most health insurance plans don’t pay for long-term care.

Healthy eating is an important part of healthy aging. As with exercise, eating well is not just about weight. Having a healthy diet can help support muscles and strengthen bones, which can help with balance and independence.

Lost in the Medicare plan maze? Let us educate you on your options. Request a no cost consultation today!

Part A (Hospital Insurance): Helps cover inpatient care in hospitals, skilled nursing facility care, hospice care, and home health care.

To cover all your bases, if a doctor or specialist says they accept Medicare, go a step further and confirm whether or not they accept Medicare Assignment. This confirmation can provide you with some peace of mind and ensure there will be no hiccups when needing services or treatments in the future.

Medicare Part B premiums are set each year by the federal government and most people pay the same standard rate. Some high earners (fewer than 5%) pay an income-related adjustment in addition to the standard Part B premium.

Medicare Supplement plans do not require referrals, allow you to see any provider that accepts Medicare, require separate Part D plans, and only have a one-time Medigap Open Enrollment window.

If you’re getting close to 65, you’ve probably heard Medicare is right around the corner. Most people become eligible to enroll in Medicare when they turn 65, and this window is referred to as your Initial Enrollment Period (IEP).