Breast cancer is one of the top killers of women in America. A mammography is the most common method of detecting early stage cancer, using an X-ray to examine for any irregularities. In women between 65 and 74 years old, these tests have been shown to reduce the number of cancer-related deaths.
Cervical Cancer Screening
The most common test associated with cervical cancer is known as the Pap test, which is performed on a sample of cells from the cervix to test for abnormalities. While it is optional to stop Pap tests after the age of 65 if you have no history cervical dysplasia or cancer and have consistently tested negative in your previous tests, it is always a good idea to discuss your decision with a doctor as some surveys indicate that they are still beneficial.
Human Papillomavirus Testing
Human Papillomavirus is one of the leading causes of cervical cancer. It is so common that almost everyone who is sexually active will become infected with one of the more than a hundred types of HPV known today. Testing for HPV even among senior women with no history of cervical issues has proven to be a lifesaver, as Pap tests alone miss up to 40% of precancerous lesions.
How Does Part B Cover Preventive Health Services?
While Medicare Part A does not cover preventative care, Part B covers a large number of preventative procedures that are especially of concern to seniors.
What Kinds of Services Are Covered?
The number of services and screenings offered by Part B are actually fairly extensive. They range from screenings for life threatening ailments like HIV and Cancer, to more long-term ailments like Chronic Obtrusive Pulmonary Disease, Diabetes, and Glaucoma; some programs are even geared towards mental illnesses like depression.
Over the next few decades, there's going to be a significant increase in the amount of elderly people living in the United States. Eventually, that group will include you. That's why you should find quality insurance policies well before it's too late. Here are some important insurance policies that are often recommended:
If you want to learn more about health and life insurance policies and Medicare Supplement insurance, contact Bankers Fidelity today.
Reality: This one's incorrect for two reasons. One, Medicare Supplement insurance plans cover only a single person. If both you and your spouse want to obtain more coverage through a Medigap plan, each of you will have to buy your own policy. Two, Medigap plans do not provide coverage for prescription drugs. Even if you have Medicare Part A (hospital coverage), Part B (medical coverage), and a supplemental plan, you will not be covered for these prescriptions. To get that coverage, you'll need to sign up for yet another policy --Medicare Part D (or, alternatively, a Medicare Advantage plan to replace parts A, B, and D).
If you're feeling confused, that's pretty normal when trying to learn the Medicare ABCs.
MYTH: There are only certain times of the year when you can change Medigap plans.
Reality: You actually have the ability to change your Medigap plan at any time of the year. However, it's possible for an insurance carrier to medically underwrite you, which could potentially cause you to be declined for coverage if you have certain conditions. However, if you're in overall good health and don't have any preexisting conditions, you probably won't have any problems changing plans.
MYTH: Purchasing a Medigap policy from an agency is an unnecessary expense.
Reality: Using an agent to purchase a plan will probably end up saving you money because you'll actually find the plan that works best for your medical needs and your budget. Rather than paying for services you don't need and being stuck with out-of-pocket expenses, an agent can help match you with the right Medigap plan. Because this process can be so overwhelming, that peace of mind can go a long way.
Still have questions about Medigap plans? If you're a senior in need of better Medicare coverage or Medicare Supplement insurance, Bankers Fidelity is here for you. To find out more, contact us today.
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Understanding Medicare Supplement
Neither Bankers Fidelity Life Insurance Company® nor its Medicare Supplement policies are affiliated with or endorsed by the U.S. Government, the federal Medicare program, or the Centers for Medicare and Medicaid Services. This is a solicitation of Medicare Supplement insurance and an independent agent may call on you. The Medicare Supplement products issued by the Company are insurance policies. Policy form series B 21092 is issued by Bankers Fidelity Life Insurance Company®, Atlanta, GA; policy form series B 21492 is issued by Bankers Fidelity Assurance CompanyTM, Atlanta, GA. Limitations and exclusions apply; actual policy provisions control. Rates subject to change on a class basis. Individually underwritten; application to determine eligibility required.
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