You're getting ready to turn 65, and are set to apply for Medicare. But wait—is that the only insurance you need? Medigap is a supplemental policy that covers some of the costs that Medicare Part A and Part B don't. It may pay for (or help you to pay for) deductibles, copays, and coinsurance. Before you buy a policy, take a look at what you need to know about this supplemental insurance.
Though autumn brings gorgeous leaves, fun events, and great times with friends, it also ushers in cold and flu season. If you are feeling under the weather, it can be tricky trying to figure out if you need to see a doctor. You don't want to waste your time or the doctor's time, and it is frustrating having to pay a co-pay for a visit that wasn't necessary. Understand what signs and symptoms warrant an immediate visit or call to the doctor's office.