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Medical Insurance

Affordable care act

With the Affordable Care Act (popularly known as Obamacare) in effect, it seems provisions and requirements are changing on a daily basis. It is important that you are aware of these changes and how they affect you. Review your benefits and how they have been impacted by legislation at least once a year. You can do this through the National Council of Aging’s free Benefits Checkup service. Below are some resources to help you better understand your medical insurance and the options available to you.


Medicare is a federally sponsored healthcare program designed especially for seniors. Those covered by Medicare have paid into a trust fund set up by the government, which pays the medical bills of those enrolled in the program. Overall, Medicare doesn't cover every part of the bill -- the patient is still responsible for deductibles and monthly premiums, and Medicare can refuse to cover certain treatments. Any U.S. citizen over the age of 65 who has paid into the Social Security system is eligible for Medicare, regardless of income, as well as any U.S. citizen with end stage renal disease or disabilities. Because the program is federally run, coverage is uniform throughout the country.

Medicare is not to be confused with Medicaid, which is a state and federal assistance program designed for low-income families. 

American Consumer Credit Counseling is a non-profit credit counseling and debt management center for individuals and families who want to settle credit card debt and learn to live life debt free. In our free counseling sessions, our certified credit counselors help consumers make a debt reduction plan for eliminating credit card debt over a period of time – usually five years or less. After reviewing a client’s financial situation, counselors work with consumers to find the best path to credit card debt elimination. This may involve providing education about credit card debt and bankruptcy, comparing debt consolidation vs chapter 13 bankruptcy or debt settlement services, and answering basic debt reduction and debt consolidation questions, such as “what is credit counseling?” and “how can I protect my credit score?”

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