Medicare Excess Charges

June 5, 2020

Are there really Medicare excess charges? Understanding what they are and what you can do about them.

Medicare is a program run by the federal government. It provides health insurance for over 44 million Americans, many of whom might not otherwise have access to insurance and healthcare. The largest group of Medicare enrollees are people age 65 or older, followed by people with disabilities who receive Social Security Insurance, and individuals suffering from End-Stage Renal Disease who require dialysis or a kidney transplant.

Medicare is an amazing program, but it can be overwhelming and confusing, especially when it comes to the plans, the costs, and who pays for what. Instead of doing a lot of legwork yourself, we have put together Read more

Humana to Waive Medical Costs Related to Coronavirus Treatment

March 30, 2020

Costs waived whether care is virtual, in a doctor’s office or hospital
setting

LOUISVILLE, Ky.–(BUSINESS WIRE)–Humana (NYSE: HUM), a national health care company, has announced it is waiving consumer costs for treatment related to COVID-19-covered services. The company previously announced that it would cover out-of-pocket costs related to coronavirus testing. Now, costs related to subsequent treatment for COVID-19—including inpatient hospital admissions— will be waived for enrollees of Medicare Advantage plans, fully insured commercial members, Medicare Supplement and Medicaid.

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Two birthday candles that are lit surrounded by confetti and a purple balloon. The candles are in the shape of a 6 and a 5.

The Ultimate Guide to Turning 65

March 29, 2020

Happy Birthday! Turning 65 is a monumental birthday for many reasons. You can start taking advantage of the senior discount at restaurants and senior admission to museums and other venues. There are also perks like Medicare and tax breaks. If you recently turned 65 or will soon, this is the ultimate guide to get the most out of your age. 

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Photograph of an older couple in a living room. The man is coughing as the woman looks at him with concern.

Over 60? 10 Ways to Prevent Coronavirus, Prepare, and Get Treatment

March 20, 2020

The Coronavirus, more specifically named COVID-19, is an epidemic that has escalated to the status of a pandemic. As it moves through the world and has even reached the US, government mandated social distancing has become a reality, closing schools, businesses, and organizations all over the country. 

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Medicare Medicaid Difference

What Is the Difference Between Medicare vs Medicaid

March 4, 2020

Unless you know a lot about government-run programs, it is easy to conflate Medicare and Medicaid. However, the terms aren’t interchangeable and refer to completely separate things. Here is an overview of the differences between Medicare and Medicare. 

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Close-up photograph of a thick maroon pen sitting over a Medicare Enrollment form.

How to Qualify for Both Medicare and Medicaid

February 5, 2020

Medicare and Medicaid are two separate programs that provide Americans with access to health insurance through the government. Typically, Medicare provides health insurance to seniors whereas Medicaid targets low income individuals. It is possible to qualify for both programs at the same time. Read more

Image of a calculator, black pen, and stethoscope over a teal and white background.

2020 Changes to IRS FSA limits, ACA Limits, & HSA Contribution Limits

November 26, 2019

Employers – Take a moment to learn about changes to the 2020 ACA and IRS Plan Limits

This communication is not intended to be legal advice and should not be construed as legal advice. If you have any legal questions or concerns about your plan, Norgard Insurance recommends seeking counsel from an ERISA attorney.

Health Savings Account limits

The latest published Health Savings Account limits for 2020 compared to 2019

Information in red indicates a change

Chart showing HSA Limits in 2020 Read more