Monthly Archives

January 2015

Does Health Insurance make you feel like Gary Busey?

By Making the Most of your Medicare No Comments

Now that we’re all being required to buy health insurance thanks to the Patient Protection and Affordable Care Act, it would be nice if we understood what we’re getting, right? Below are the most common health insurance terms that confuse you and…everybody else. Coinsurance: Your share of the costs of a covered health care service, calculated as a percent (for example, 20%) of the eligible expense for the service. You pay coinsurance after you pay your deductible. Copay/copayment: A fixed amount (for example, $35) you pay for a covered health care service, usually when you receive the service. The amount can vary by the type of covered health care service. Deductible: The amount of money you owe for health care services your health insurance covers before your health insurance or plan begins to pay. Minimal essential coverage: The type of coverage an individual needs to have to meet the individual responsibility requirement under…

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“Dallas Buyers Club” Missouri’s “Right to Try” law

By Making the Most of your Medicare, Uncategorized, Understanding Health Care Reform, Wellness Wednesday No Comments

Whether it’s colon cancer, pancreatic cancer or other variation of terminal illness many clients who exhaust their treatment options now have a beacon of hope thanks to a new law that went into effect last year. Missouri became the second state after Colorado to put a “Right to Try” law into effect. The Right to Try “RTT” bill (HB 1685) empowers terminally ill patients the right to try medications that have not been approved by the FDA. The RTT bill aims to hasten access to unapproved drugs by eliminating the FDA’s role in the process. Since the 1960s, FDA has mandated  that medications go through a rigorous three-stage investigation before doctors can prescribe them.  RTT laws will help patients running out of time to expedite this process to obtain medication that may otherwise take as long as a decade to receive FDA approval. Read more on experimental therapy and how other…

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The Liberation of Growing Old

By Making the Most of your Medicare, Understanding Health Care Reform No Comments

  Great read on Ageism! If we make the world better for old people, we make it better for everyone! The best part of my job is working side by side with people 65 and older: parents, grandparents…even great grandparents. A few weeks back one of my clients, an astute 95 yr old, told me stories of what it was like to grow up in the 30’s and 40’s. He was born in Italy and came over to the States upon which he met his wife and started his own business. He had extensive travel experience with plenty of ups and downs in his business affairs. All of which, he shared. Since it was nearly lunch I decided to change the subject to something a bit more saucy. Italian Food. I wanted his take on the Italian food scene in Saint Louis. Specifically, who has the best lasagne. His answer:…

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