What isn’t covered by Original Medicare:

  • Deductibles
  • Co-payments
  • Long-term care outside of a nursing home, or care at home, unless it’s provided by a professional nurse or therapist
  • Care for daily living such as walking, dressing, bathing, shopping, eating and taking medicine
  • More than 100 days of Skilled Nursing Facility (SNF) care following a hospital stay
  • Cooking and cleaning services
  • Private-duty nurse
  • Dental care and dentures
  • Health expenses outside U.S., except for some occurrences
  • Emergency care outside U.S.
  • Cosmetic surgery
  • Routine foot care
  • Eyeglasses (except after cataract removal)
  • Hearing aids

I have an IUL policy that is all in one for it also includes a retirement savings plan that grows up to 13.5%, tax free with zero market risk, asset protection/life insurance to leave an estate to my children and health benefits, access to 70-90% of the face value when I need long term care or have chronic illness, terminal or critical illness.

In care homes 24/7, with assistance to daily living, the cost starts from $3,500 per month. You live with 6 more clients in a home with 2 caregivers.

We need 24/7 care when we need assistance in daily living (ADL): bathing, feeding, transferring, toileting, total of 6 ADL and long term care is 2 out of 6 ADL that you cannot perform alone.

Deep breathing, exercise, healthy diet and de-stressing routines, helped me when I know that my heart is palpating from excess weight and lack of exercise.

Keep a healthy lifestyle and if you need a health policy in one with retirement savings and asset protection, contact Connie Dello Buono 408-854-1883 ; motherhealth@gmail.com CA Life Lic 0G60621 in the bay area.

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