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.
We are hiring.
Published by connie dello buono
Connie Dello Buono is based in Sunnyvale California. Her first ebook is about women's health, Birthing Ways Healing Ways and her recent one is about cancer prevention, Curated Healing Ways. She had helped women have holistic childbirth as childbirth educator, founded Motherhealth, to serve seniors in the bay area with holistic caregivers and blogs at www.clubalthea.com with more than 10,000 health and finance related posts.
Connie trains her own caregivers, which are the favorites of most bay area seniors who are home bound and alone.
She is active in the rehab and nursing facilities, volunteering on music and movement for seniors.
She is a member of Lion's club and offered scholarships to students in the Philippines.
She is active at churchinsunnyvale.us and has Fridays Bible home study in Sunnyvale using the recovery version of the Bible , free at biblesforamerica.us
She loves dancing and teaching and her courses can be found at
https://teachclub.com/@thriveafter60
She is California Life Insurance licensed providing life insurance for older adults with health issues and helping women retire safely with income for life.
at menloassetca.com , she helps with 401k rollover.
3 Benefit plans
- Mortgage protection using term life insurance to pay for mortgage balance in event of death
- Final Expense plan using Single Issue Whole Life Insurance, with cash back, disability benefit and guaranteed in the presence of health issues
- Fixed Index Annuity retirement plan for safe, accessibility, less fees, less taxes, avoids probate as it goes directly to beneficiaries, rate of return with no downside market participation.
She brings compassion and understanding to the needs of her clients, bringing holistic approach in health and life insurance. Her goal is to free families from worries especially during covid with caregivers and life insurance in the presence of health issues, especially for women.
She can be reached at 408-854-1883 , motherhealth@gmail.com
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