Newsletters

Readmission into a Nursing Home Facility

A nursing home resident may need to leave the facility for any number of reasons such as hospitalization, family visits, or other types of therapeutic leave. Nursing homes have policies governing bed reservations or "bed holds" in the event that a resident has to leave the facility.

Secondary Payer Program

There are times when a person's health services may be covered both by Medicare and by another type of insurance, such as group health insurance, workers' compensation, or automobile insurance. In these cases, Medicare provides only secondary coverage, meaning that the other insurance is primarily liable on the claim.

Housing - Residential Facilities and Voting Rights

Although the right to vote is fundamental in the United States, state law governs the manner in which this right is exercised. Although almost one-half of the states have passed laws addressing the voting rights of those living in residential facilities, these laws differ significantly.

Housing - Reverse Mortgages - HECM

In an ordinary home equity loan, a homeowner borrows money against the equity in his or her home, making payments to reduce the loan balance after the funds are received. As payments are made, the principal balance of the loan decreases.

Medicare - Supplemental Health Insurance - Changing Medigap Policies and Losing Medigap Coverage

Sometimes, elderly Americans who have Medigap insurance to supplement their Medicare coverage wish to switch to a different policy. Other times, they must select a new policy if they wish to continue coverage because their insurance company goes bankrupt or because they move out of the policy's service area, for instance. This article discusses the typical circumstance in which an insured wishes to change policies to obtain additional covered services or to find lower premiums.