The Medicaid Look-Back Period Can Delay Nursing Home Coverage What it means, how it works, and what to avoid to keep your benefits on track. When an aging loved one suddenly needs long-term care in a nursing home, families often turn to Medicaid for help. But what many people don’t realize is that qualifying for … Read more
What Is Medical Underwriting? A clear, simple guide to what it is, how it works, and why it matters. If you’ve ever applied for health insurance or life insurance—especially outside of an open enrollment period—you’ve probably come across the term medical underwriting. It might sound complicated or even intimidating, but it’s actually a straightforward concept … Read more
What Is the Compassionate Allowances Program? When someone is facing a life-threatening illness or a severely debilitating condition, waiting months—or even years—for a disability claim to be processed can feel unbearable. The Social Security Administration (SSA) recognized this, and that’s where the Compassionate Allowances (CAL) program comes in. The Compassionate Allowances program is a fast-track … Read more
Understanding the Declaration of Helsinki and Its Role in Ethical Medical Research The Declaration of Helsinki is a key ethical framework for medical research involving human participants. Adopted by the World Medical Association in 1964, it outlines the principles and guidelines to ensure that research is conducted in a way that protects the rights, well-being, … Read more
What Is a 504 Plan? A 504 plan is a tool designed to help students with physical or mental health disabilities that impact their ability to carry out daily activities at school. This plan, which falls under a civil rights law called the Rehabilitation Act of 1973, provides accommodations to ensure that children with disabilities … Read more
What Is Medical Malpractice? Medical malpractice happens when a healthcare provider, like a doctor, nurse, or hospital, makes a mistake or neglects their duties, leading to harm to a patient. It’s a form of professional negligence, and it can result in significant injury, or in severe cases, death. For example, if a doctor gives you … Read more
Understanding Medical Underwriting in Insurance Medical underwriting is a process used by life, disability, and health insurers to determine whether an applicant qualifies for coverage, and what that coverage will look like in terms of premiums, exclusions, and conditions. This process involves using the applicant’s medical history to assess risk and ensure that the insurer … Read more
Understanding Medicare Prescription Coverage: Part B and Part D If you’re on Medicare, chances are you’re using a Part D plan for your prescription drug coverage. But did you know that some of your medications might actually be covered by Part B? In fact, Medicare Part B covers a variety of important medications, like certain … Read more
Abdominal CT Scans: A Simple Guide to What They Are and How They Work Abdominal CT scans are powerful diagnostic tools that help doctors detect a variety of health issues like cancer, blood clots, kidney or bladder stones, infections, and much more. These scans are especially useful when there’s a need to examine organs in … Read more
What Are Compassionate Allowances and How Do They Help with Social Security Disability Benefits? If you’re waiting for Social Security disability benefits like SSDI (Social Security Disability Insurance) or SSI (Supplemental Security Income), you know that the process can take a long time—sometimes up to a year or more. For people who are already dealing … Read more