I've been told I should make out a 'living will' before I do. A living will is a document that provides your loved ones with directions on what they should do if you are unable to communicate your wishes for medical treatment. As with any financial decision, it's prudent to take a serious look at your needs. I'm sorting through my Medicare options, but I'm confused by what exactly Medigap policies are. Supplemental insurance policies like Medigap can help bridge the gap between what hospitals and doctors actually charge and what Medicare will pay.
Many large employers offer their employees several health plans.
But making sense of the differences and deciding which one is right for you and your family can be difficult. You have to understand the plans you're being offered and decide what kind of insurance you really need. I've heard stories about hospitals with poor health and safety records. Not all hospitals have good safety records or deliver quality health care. Physicians choose which medications to prescribe for you based on their experience and judgment in treating similar conditions, and frequently base their choice in part on the list of medications your health plan includes in its coverage.