Debbie Perlman Blog

The fast paced way of life has put our health on the back burner, leading to an increased risk of illnesses. While the healthcare industry is getting better in terms of quality of care available, the cost the treatments have also increased significantly. Even a small illness can lead to huge spending on your part. A good way to be prepared for any such medical emergency is to get a health insurance plan.  A good health insurance plan in USA will usually include a host of benefits, covering expenses such as the doctor’s fee, ambulance charges, pre- and post-hospitalization charges, cashless service among others. For making the right selection, it is highly advisable that you compare the health insurance plans available in USA, and choose the one that suits your needs and requirements the best. The best health insurance plan for you will depend on various factors, like the kind of coverage you want, and how much premium you can afford to pay. Types of Health Insurance Pla

Medicare is vital to the health of nearly 60 million Americans. Yet many of its benefits are overlooked, underused or misunderstood. Consider the annual "wellness" visit, during which a doctor will assess your health risks, take your blood pressure and other routine measurements, check for cognitive impairment, and offer personalized health advice. It's free. Yet less than 11% of Medicare beneficiaries took advantage of the benefit in 2012, according to the Dartmouth Institute for Health Policy and Clinical Practice. Recent research suggests that number hasn't budged much since then. That's not the only Medicare benefit left lying on the examining table. Many healthy seniors pass up a host of free preventive services, ranging from bone mass measurement to cancer screening–"the kinds of things that people don't generally think of if they're not sick," says Bonnie Burns, a consultant at California Health Advocates. Other benefits, such as

According to the U.S. Department of Health and Human Services, today's average 65-year-old has a 70 percent chance of needing some kind of long-term care as they age. They also report that although one-third of today's 65-year-olds may not ever require long-term care or assistance living, that one out of five will need it  for more than five years , that's 20 percent. If we use this information, paying for five years of assisted living or long-term care services or housing can be extremely expensive. One more statistic which is surprising is: 8 percent of people between 40 and 50 years old, have a disability that could require long-term care services At a time when many hardly have their retirement fully funded, it pays to look into the options for long-term care and what kind of costs are involved with a Long-Term Care Insurance Plan, regardless of your age. Having the facts can save you money long-term, and help