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Death has No Age - Young. Old.

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It is more costly to die than to be born. Insurance ensures the risk of cost. Final expense  insurance typically comes in two varieties . Immediate full benefit policies , which pay the full face value upon your death, are generally available to people with no serious health concerns.  ​ Graded benefit policies  provide limited benefits during the first few years and are available to people with serious health concerns. These policies can provide the  peace of mind  of knowing that  your survivors  won’t struggle to pay for your funeral or be saddled with outstanding medical bills and other debts. With the average cost of a funeral exceeding $10,000 and approaching $15,000, ​this typically represents the third largest expense in a person's lifetime. Ranking just behind home and automobile ownership. Social Security only pays a lump final expenses sum of $255 for those who qualify. If you have ever experienced the passing of a loved one, ​you k...

Medicare - Parts

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Medicare is a Federal Health Insurance Program or a Health Insurance sponsored and regulated by the Federal Government.  It is designed to cover health care for seniors over 65 years old, or the disabled under 65 years of age. There is a lot to say about Medicare and I can answer questions and clarify confusions and inform you about the value, rules, benefits, limitations of Medicare.  Today, I want to focus on the Parts of Medicare because I was just asked about it. So here is the simple answer: Medicare Part A - hospital insurance coverage for: hospital care    skilled nursing home rehabilitation      hospice care   home health services Medicare Part B - outpatient care coverage for:  doctor's visits & urgent care       drugs prescribed at doctor's office  DME - durable medical equipment, as wheelchair, oxygen tank Medicare Part C - aka Medicare Advantage  It combines both Part A + Part B. And often Part D. ...