Daily Reading

Medicare Mental Health Benefits Are More Than Most Patients Realise For decades, Medicare’s coverage of mental health care was treated as the weakest link in an otherwise comprehensive program. Patients covered everything else through Medicare and bought private supplemental coverage for the parts that mattered. That picture is finally outdated. Recent expansions have transformed Medicare into a … Read more

When Marcella, a 34-year-old Diné mother of three living on the Navajo Nation outside Shiprock, New Mexico, started waking up at 3 a.m. with chest-crushing panic attacks, she did what her grandmother told her to do. She drove the 41 miles to the nearest IHS facility. The intake clerk was kind. The waiting room was … Read more

When Marcella, a 34-year-old Diné mother of three living on the Navajo Nation outside Shiprock, New Mexico, started waking up at 3 a.m. with chest-crushing panic attacks, she did what her grandmother told her to do. She drove the 41 miles to the nearest IHS facility. The intake clerk was kind. The waiting room was … Read more

Frank, a 78-year-old retired teacher in Sarasota, bought a long-term care insurance policy from Genworth in 2003 when he was 57. He had watched his mother’s Alzheimer’s progress through eight years and a $340,000 nursing home bill. The policy promised $200 daily benefit, 5% compound inflation rider, lifetime benefit period, 90-day elimination. Premiums were $2,800 … Read more

Frank, a 78-year-old retired teacher in Sarasota, bought a long-term care insurance policy from Genworth in 2003 when he was 57. He had watched his mother’s Alzheimer’s progress through eight years and a $340,000 nursing home bill. The policy promised $200 daily benefit, 5% compound inflation rider, lifetime benefit period, 90-day elimination. Premiums were $2,800 … Read more