Page 11 - Jupiter Spotlight - November '21

Jupiter Spotlight, Page 11
Medicare Corner With Kathy O

It’s Time For Medicare Think about your healthcare needs when you read this • hearing aids, hearing exams, and hearing tests that
Annual Enrollment Period surprising list of other common services that are not included haven’t been ordered by a doctor
• long-term care, such as that delivered in most nursing
in Original Medicare.
(AEP) Oct. 15 Through Dec. 7 What Medicare Does Not Cover: homes (custodial care)
Health care costs that are not covered include, but are not • orthopedic shoes (with only a few exceptions)
Is It Time For Hearing limited to: • outpatient prescription drugs (with only a few
Aids? • acupuncture exceptions)
Need New Glasses? • ambulance services (except in emergencies or when the • routine foot care (with only a few exceptions)
Traveling Outside The individual’s health would be in danger if other transportation • routine physical exams (beyond the annual wellness
United States? was used) visits)
Need Dental Cleanings Or • chiropractic services, except for some limitations • screening tests (with some exceptions)
More? • dental care and dentures (with only a few exceptions) • shots (vaccinations – except those approved)
Original Medicare does • cosmetic surgery • some diabetic supplies (like syringes or insulin unless
not include coverage for • custodial care (help with bathing, dressing, using the it is used with an external insulin pump)
these potentially high- bathroom, and eating) at home or in a nursing home • first three pints of blood
cost health care expenses. • health care while traveling outside of the United States • additional charges for a private hospital room
Medicare Advantage Plans (except in limited cases) • private nursing care
may fill in the gaps for items Original Medicare does not • eye care – routine exams, eye refractions, and most • skilled nursing care costs beyond 100 days a year
cover. eyeglasses • meals delivered to the home
• medical charges billed by relatives
• personal comfort items
• intermediate care
• custodial care
• Services not considered reasonable or medically
necessary by Medicare (In 2014, due to a federal court
case, Medicare must now cover “sexual reassignment”
if it is deemed “medically necessary” by a physician.)
Medicare Advantage Plans can fill in the gaps that
Medicare does not cover in most instances. Call today
for your free, no hassle consultation. I can meet with you
one on one or virtually. I am here to help find the best
plan for your needs today!
I speak Medicare: Supplement, Drug Plan and
Advantage Plan.
For your free Medicare plan review please call me,
Kathy Olejniczak, agent (561) 212-7640.

It’s The Law!

Did You Know That, In

Florida…

By Adam S. Gumson,
Esq.
Whether or not probate
will be necessary, Florida
law requires that anyone
who has possession of
a will must file it with
the local Circuit Court
where the decedent last
resided within 10 days of
learning of the decedent’s
death. If a probate court
proceeding is necessary, the court will determine the
validity of the will.
There really is no such thing as a standard real
estate contract. Each contract should be tailored to a
client’s specific needs. Even with standardized forms
such as FARBAR contracts, there may be details not
covered in the forms, or portions that aren’t clear. If
you don’t understand a contract, or don’t agree with
one of its terms, don’t sign it!
Common-law marriage refers to those couples
who have lived together for a long time as if married,
but who never formally obtained a marriage license.
Florida does not recognize common-law marriages
entered into after January 1, 1968. But, if the couple
was recognized as having been common-law married
in one of the few states that still recognize a common-
law marriage, then it is possible that Florida would
recognize such a marriage. Currently, 10 states and
the District of Columbia legally recognize common
law marriage.
Jupiter Law Center is a private neighborhood law
firm located in the RiverPlace Professional Center,
1003 W. Indiantown Road, Suite 210, Jupiter, FL, (561)
744 - 4600, jupiterlawcenter.com. The firm provides
peace of mind by solving problems with integrity
and compassion in the areas of estate planning
(wills and trusts, powers of attorney, health care
surrogates, living wills, probate estates, succession
planning, contracts and purchase/sale agreements),
family law (divorce, paternity, child support and time
sharing, alimony, property distribution, modifications,
collaborative law, pre/post nuptial agreements) and
real estate (community association law, residential
and commercial transactions, deeds, closings).