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Healthcare Options

What Are Your Healthcare Options?

If you are over or close to the age of 65, Medicare is something that you might be utilizing or thinking about using. If you are in that boat, then it is essential to know your open enrollment times. If you are looking to go with the Medicare Advantage Plan, open enrollment is upon us.

Recipients of Medicare have a choice between the Medicare Advantage Plan or the Medicare Supplement Plan which is like a PPO plan. The difference between the two is that in the Advantage plan you will pick a primary care physician who will direct your care. They are known as the gatekeeper. If you need to see any specialist, they will provide a referral for that. Under a PPO contract, you have the flexibility to direct your care. You do not have a primary care physician, and you have a choice of any doctor in your provider network. This option does have a higher cost in comparison to the Medicare Advantage Plan so we often see people in this area choose the Advantage Plan and it works well for them. Many doctors prefer this plan over the PPO option, as well, because there are Medicare Reporting standards that they are held to and it is easier to capture that data on this particular plan.

The Medicare Advantage plans and Part D have open enrollment starting on October 15 and ending on December 7. So if someone has original Medicare and purchases a drug plan without any other supplemental coverage that is the time that they can change their drug plan because Medicare by itself does not cover medication.

At Bernardini & Donovan, we work very closely with a majority of our clients who utilize the Medicare Advantage Plan. If that is something that you know that you want to look into, there is no one better for you talk to than us. Our years of experience allow us to help you plan and see how you can have the low cost of the Advantage Plan while having the best possible health care available to you. Please feel free to call us today to set up an appointment if you have questions.

The Power of Giving

The Power of Giving

One can find many quotes about giving:
“The best way to find yourself is to lose yourself in the service of other.” – Mahatma Gandhi

 

Or maybe you’ve heard this one:
“We make a living by what we get; we make a life by what we give.” – Winston Churchill

 

The fact of the matter is that giving changes something inside of us and changes the world around us. But how can this one simple act create that much change?

 

Scientists have started to study the biological changes in humans through the act of giving. Darwin’s survival of the fittest would initially lead one to believe that as humans we are not intrinsically designed to give or nurture. But that is not the case. Studies have shown that when a person gives their money willingly that the prefrontal cortex of the brain lights up. It is the same region that is engaged when we experience pleasure from food or relationship. Their studies showed that our brains are hardwired to respond to this very basic concept.

 

There are also examples and bountiful testimonies of people who experIenced emotional changes in their lives when they started giving financially. They describe it as before they started giving they were reinforcing the idea that they never had enough, that they must continue to strive for more. But in the act of giving they not only found peace in their circumstances, but they also had a better view of money and were able to grow their wealth as well as their physical health.

 

At Bernardini & Donovan, we are always looking for ways to grow in our appreciation of all that we have been given. We know that looking beyond ourselves is vital to be a greater service to others. We hope to help our community not only through our service but by giving back to the countless others who have helped us and giving to those who are in need.