Medicare Part D – Creditable Coverage Disclosure Notice to Individuals Must Be Provided By October 14

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All employers that provide prescription drug coverage to individuals who are eligible for Medicare Part D are required to notify those individuals whether or not the coverage that is provided is creditable, as part of the Medicare Part D creditable coverage requirements. Notices must be provided to Medicare-eligible active working individuals and their dependents, Medicare-eligible COBRA individuals and their dependents, Medicare-eligible disabled individuals covered under the prescription drug plan, and any retirees and their dependents who are covered under the plan. Employer groups required to supply the notices to their participants include, but are not limited to, private employers, federal, state, county, and local governments, collectively bargained plans, and church plans.

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Why Should I Review my Medicare and Prescription Drug Plans Before the Annual Enrollment Period Deadline of December 7th?

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So you have a prescription drug plan and it’s working wonderfully. You pick up all of your medications each month from your favorite local pharmacy, the pharmacists is always helpful and you really trust her. You stop in to pick up your last prescriptions for the year and wish your pharmacist a Happy New Year and out the door you go to continue your Christmas shopping. The plan worked so well you figured, why check on it? What could have possibly changed? Then January rolls around and as you stand at the counter waiting for your three medications, your favorite pharmacist comes out with a much different look on her face than normal…something is not right. She proceeds to tell you that they no longer accept this insurance program and your $200 eye drops that used to be a modest $40 co pay are not even covered by this plan this year. What’s worst she goes on to tell you is that you are locked into this plan for the rest of the year and cannot change it until next year. Read more


Solar Eclipse Safety Check: 3 Things To Know

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Here comes the sun…

On Monday, Aug. 21, 2017, North America will get a rare glimpse of a total solar eclipse. According to NASA, a total eclipse happens only once every hundred years or so – so it’s safe to say this is a once-in-a-lifetime event for many folks.

While a solar eclipse doesn’t bring the type of immediate destruction you’d see from other natural disasters like hurricanes, tornadoes or floods… it does present some unique risks.

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Medicare Part D Creditable Coverage Disclosure Reminder

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This communication discusses the requirement for employers to file a Creditable Coverage Disclosure Notice with the Department of Health and Human Services within 60 days of the start of the plan year. Read more


The Good, the Bad and the Ugly of Direct Gas Grill Lines

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When my husband and I first decided to go with a natural gas grill that hooked up directly to our home gas system, we were thrilled to say farewell to propane canisters and the hassle of refilling them. But a 600° overnight mistake has me wondering if it was such a great idea. Read more


Top 10 Springtime Pet Dangers

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From flowers to warm weather, spring ushers in all kinds of changes.

Yet not all of these are welcome changes when it comes to your pet. But knowing what dangers they should avoid can go a long way toward keeping your furry friend safe. Here are the top 10 springtime pet dangers worth being aware of. Read more


Why is my Hospital bill so High?

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maxresdefaultUnderstanding the difference between “observation” & “in-patient” for Medicare members.  Read more


What Can Go Wrong with an Older Car?

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476224223_brakepade1420040524970Today’s vehicles are built better than ever, redefining what it means to be a high-mileage car. An odometer that reads 100,000 miles is no longer the maximum life expectancy for a vehicle; in fact, with a little maintenance, you can push your vehicle to 200,000 or even 300,000 miles.

Knowing what problems commonly arise in older cars is key to keeping your vehicle running.

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How Cold Weather Affects Tire Pressure

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tirepressure_lgFrom corrosive road salt to slick roads, winter creates many challenges for drivers. Another one to add to the list? Tire pressure tips caused by lower temperatures. Read more


14 Hacks to Deal with Snow and Ice on Your Car

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SnowCarLargeEven people who love winter do not enjoy one of the season’s most unpopular jobs: clearing snow and ice off their cars. Read more


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