Short-Term Care Policies on the Rise

United National Life


*Re-post*
Check out this Forbes article regarding Short Term Care policies ...  Medicare only covers nursing home stays under very specific circumstances... 

2016 Best List Of Senior Discounts

FEBRUARY 28, 2016 BY THE SENIOR LIST 27 COMMENTS

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The Best List of Senior Discounts on the web.  Feel free to share it with friends and family!

© The Senior List, 2016. If you plan on recommending any of our discount lists, please do so with appropriate attribution to The Senior List® and a link back to our website. Thanks!  If you’re looking for a printable version of our list you’ll find it in our community library (members only area) located —> HERE.

*Please note: Many of the discounts you’ll see below are offered by franchise owners in local markets.  This means that discounts will vary from location to location.

We had an incredible response to our 2015 senior discount lists published last year.  Many of the service providers on our 2016 senior discounts list have been verified and those that have with be noted with a “verified” flag.  We reached out to all the businesses on our list, but some were unresponsive.  As usual, we’ll  rely on our community (you) to provide updates as you uncover them.  Use the comments section to help verify discount policies and/or note the specific senior discounts in your local area.Be the first to hear about new Discount Lists by joining us on Facebook.  We’re building an online community where people can engage with each other, provide advice, discuss products, and more.

Please understand that discount policies do change.  They change at the national level, and they change at the local level.  Sometimes these changes are published, and sometimes they’re not.  Our best advice for discount shoppers is to ask ahead of time so there are no surprises.

2016 Best List Of Senior Discounts

This master list of senior discounts is meant to be a guide, and with your help we’ll keep it updated throughout the year.  If you’re looking for short versions or printable versions of the individual categories, just navigate to the category “header”, and it will link you to that specific discount list.  You can also click the printer icon below for a printable list.

Senior Discounts at Grocery Stores

ALSO READ: Senior Discounts to Add to Your Repertoire in 2016

Albertsons: 10% off first Wednesday of each month ( 55 +)
American Discount Stores: 10% off every Monday (50 +)
Compare Foods Supermarket: 10% off every Wednesday (60+)
DeCicco Family Markets: 5% off every Wednesday (60+) verified
Fred Meyer senior discount: 10% first Tuesday of each month (55+) verified
Fry’s Food Stores: 10% off on the first Wednesday of every month (55 +) verified
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Great Valu Food Store: 5% off every Tuesday (60+)

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Gristedes Supermarket: 10% off every Tuesday (60+)
Harris Teeter: 5% off every Thursday (60+) verified
Hy-Vee: Says “Yes” (but discount policy varies by locale) verified
Kroger: 10% off (date varies by location) verified
Morton Williams Supermarket: 5% off every Tuesday (60+)
New Seasons: 10% off every Wednesday most items (65+), 10% off every Tuesday for militaryverified
Publix: 5% off every Wednesday ONLY in Tennessee, North Carolina and the northern portions of Alabama, South Carolina and Georgia (60 +) verified
Rogers Marketplace: 5% off every Thursday (60+)
Uncle Guiseppe’s Marketplace: 5% off (62+ on Wednesdays)

ALSO READ: Senior Discounts And Customer Loyalty

Senior Discounts On Prescriptions

AARP:  With the AARP Prescription Discount Card (provided by Catamaran an OptumRx company), AARP members and their families can access an average savings of 38% off prescription drugs (regardless of age or health status).  Must be a member of AARP to access benefits.  AARP boasts acceptance by 64,000 pharmacies nationwide. verified

Rite Aid:  Sign up for the Rite Aid Rx Savings Program.  Save 15% or more on thousands of brand name and generic prescription drugs by signing up for the Rite Aid Rx Savings Program. When you sign up, you’ll receive Rx Savings Card that gives you access to special discounts at Rite Aid pharmacy. verified

Costco Member Prescription Program:  The Costco Member Prescription Program is a prescription savings program for you and your family. It allows Members who have no prescription drug insurance or whose insurance does not cover all of their prescription medications. Save 2% – 40% at time of sale. verified

CVS Pharmacy:  Enroll in the CVS ExtraCare Savings and Rewards program.  You’ll receive “ExtraSavings” through personalized coupons delivered on receipts, and online via theExtraCare Coupon Center. ExtraBucks Rewards are earned by shopping and filling prescriptions.  You can earn up to 2% back in ExtraBucks Rewards from your everyday purchases.  Also, if you fill 10 prescriptions, your can earn $5 ExtraBucks Rewards through the ExtraCare Pharmacy & Health Rewards program.  verified

RELATED READ: PRESCRIPTION DRUG PRICES ON THE RISE

Kmart:  The Prescription Savings Club at Kmart (Pharmacy Savings Plus) is annually $15 per household or $10 per person.  You and the family are then covered  for certain generic drugs (starting at $5 for a 30-day supply and starting at $10 for a 90-day supply). The Drug Price lookup tool is an easy way to see if and how much you can save.   You can even get discounts on pet medications with a prescription from your vet. verified

Target: Target pharmacies are being rebranded to CVS Pharmacy brand.  This change is underway now.  Your Target (CVS) Pharmacy will already have your prescription records on file. You’ll be able to access your records and refill your prescriptions at CVS.com/Target or by visiting CVS Pharmacy inside Target stores.  Target says “As of December 16, 2015, Target Pharmacy guests have automatically moved to CVS Health’s network. Guests are encouraged to call their health-plan provider with any questions. For general pharmacy questions, you can contact your local pharmacy or CVS Customer Relations: 1-800-SHOP-CVS (1-800-746-7287).  The Target Prescription Savings Plan is no longer being offered.  It will be replaced with the CVS pharmacy and CVS rewards plan (which you can review above). verified

Walgreens Prescription Savings Club:  Membership fee required ($20 individual or $35 family per year). Walgreens Prescription Savings Club members get special discounts off the cash price of thousands of brand-name and generic medications as well as other benefits when they use their Prescription Savings Club Card. Additionally, if you don’t save at least the cost of your membership fee in one year, Walgreens will give you the difference. verified

Walmart Pharmacy Services: Walmart pharmacies offer low-cost generic prescription medications that can save you money. Walmart carries both generics (where they boast $4 refills) and branded drugs.  Check out the Walmart drug list to see if you can save on your medications. verified

Narcup.com: Start saving money today with Narcup.com’s prescription discount card for credit union members age 50 plus. However, it is also open to the general public. The program is for families, children and grand children who have no prescription drug insurance or whose insurance does not cover all their medications.

By using their prescription discount card, a person can save up to 50% on FDA approved drugs. In addition to 18,000 independent pharmacies, large chains including Walgreens, Kmart, Target, CVS, Rite Aid, Publix, Winn-Dixie and Safeway also participate in the network.Narcup.com does not charge any membership dues or fees. You can print off a prescription card and use it immediately. You can request a durable card by mail. A nice feature of the program is that you can look up your medication price based on your zip code. You can also compare prices at other pharmacies. verified

Click to read more: https://www.theseniorlist.com/2016/02/2016-best-list-senior-discounts/ 

Medicare 101: What is Medicare Part B?

TransAmerica Page: Medicare 101: What is Medicare Part B?

Now that you’ve learned about Medicare Part A, you may also be wondering what Part B can do for you. While Part A will help you with things like hospital stays and skilled nursing facility care, Medicare Part B helps with other areas in which you may need coverage. Find out what Medicare Part B covers and if it’s for you.

What does Medicare Part B cover?

You may remember that in Part A, we explained Original Medicare is the term used when a plan combines Part A with Part B. That’s because in addition to the benefits Part A will give you, Part Bcovers clinical research, ambulance services, durable medical equipment, mental health (inpatient, outpatient, and partial hospitalization), the ability to get a pre-surgery second opinion, and limited outpatient prescription drugs.

Who qualifies?

If you aren’t eligible for premium-free Medicare Part A, not to worry; you can buy Part B without having to buy Part A. Here are the qualifications you need to meet:
• 65 years or over
• A U.S. Citizen or permanent resident who has legally been in the country for five consecutive years

When should I enroll?

Much like with Medicare Part A, Part B’s has a seven-month Initial Enrollment Period. This means anywhere between the three months prior to month you turn 65, and the three months after that. For example, if your birthday is in April, you are eligible from January through July.

However, if you don’t sign up within that time, you may have to pay a late enrollment penalty for the entire time you have Part B. According to Medicare.gov, “Your monthly premium for Part B may go up 10% for each full 12-month period that you could have had Part B, but didn’t sign up for it. Also, you may have to wait until the General Enrollment Period (from January 1 to March 31) to enroll in Part B, and coverage will start July 1 of that year.”

How much does it cost?

If you signed up for Part B when you became eligible, then you’ll likely pay a $104.90 premium each month, according to Medicare.gov. Though, this premium can change based on your income, and recent reports indicate it will cost more for a few select groups in the future.

There are some people who automatically get Part B. If you receive Social Security benefits, Railroad Retirement Board (RBB) benefits, are under 65 years old with a disability, have ALS, or live in Puerto Rico and receive Social Security or RBB benefits, then you are eligible for automatic enrollment.

With these benefits, it’s possible that you still don’t feel like you’re getting the coverage that you need. In that case, you can get supplemental Medicare insurance plans.

For more information on Medicare, check out Transamerica Center for Health Studies^®‘s handy guide.

About Transamerica Center for Health Studies^®.
The Transamerica Center for Health Studies^® (TCHS) is a division of the Transamerica Institute^®, a nonprofit, private foundation. TI is funded by contributions from Transamerica Life Insurance Company and its affiliates and may receive funds from unaffiliated third parties. TCHS is dedicated to identifying, researching and analyzing the most relevant health care issues facing consumers and employers nationwide. For more information about TCHS, please visit www.TransamericaCenterforHealthStudies.org.

Medicare 101: What is Medicare Part A?

Medicare 101: What is Medicare Part A?

TransAmerica Page: Medicare 101: What is Medicare Part A?

Medicare can be confusing, but don’t worry. You aren’t the only one feeling that way. Although there are many benefits to Medicare, with its different components and enrollment periods, it can get a little confusing. In this three-part series, we’ll break down Parts A, B, C and D of Medicare down to their essentials. Here are simple answers to the most-asked questions about Part A:

What does Medicare Part A cover?

Medicare Part A combined with Part B, make up what is known as Original Medicare. Part A covers emergency care, hospital stays, some nursing home care, and other long-term visits such as home health services and hospice care.

Who qualifies?

• Seniors (age 65 and above) who are U.S. citizens and permanent residents.
• Individuals with qualified disabilities (age 64 and below).

When should I enroll?

You can enroll during your Initial Enrollment Period (IEP), which usually lasts 7 months:

• Three months before your 65th birthday or 25th disability check.
• Month of your 65th birthday or 25th disability check.
• Three months after your 65th birthday or 25th disability check.

If you miss your Initial Enrollment Period, you can sign up during the General Enrollment Period, which is from January 1 to March 31. If you sign up during this time, your coverage will start July 1. Please note that if you enroll during the General Enrollment Period you may have to pay a higher premium for late enrollment.

Fall Open Enrollment occurs every year between October 15th and December 7th and allows those who already have Medicare to change their coverage. We recommend you review your coverage every year, as this is the one time when all people with Medicare can make changes to their plans for the next year.

How much does it cost?

Part A plans are provided to you at no cost if you or your spouse have worked and paid taxes for at least 40 quarters (or 10 years).

If this isn’t the case, you will pay a monthly premium of up to $407. The exact amount you’ll pay is determined by different factors such as your income and assets.

If you’re concerned about the costs involved that aren’t covered by Medicare, Medicare Supplement Insurance can help cover expenses that you’ll have to pay out of pocket.

For more info, check out Medicare.gov and this chart published by the Transamerica Center for Health Studies®.

The Transamerica Center for Health Studies® (TCHS) is a division of the Transamerica Institute®, a nonprofit, private foundation. TI is funded by contributions from Transamerica Life Insurance Company and its affiliates and may receive funds from unaffiliated third parties. TCHS is dedicated to identifying, researching and analyzing the most relevant health care issues facing consumers and employers nationwide. For more information about TCHS, please visit www.TransamericaCenterforHealthStudies.org.

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