Find out what types of assets make the best planned gifts. Learn about gifts of cash, securities and property.
Bob and Mary Are Giving Smarter and Achieving Their Dreams...Find Out How You Can Too!
Bob and Mary first met at Two-Bit Flicks, a 25-cent movie night held on Fridays in Brighton Lecture Hall. When the spring formal hosted by the women's dorm came around, Mary asked Bob to go with her. It was their first "official" date.
The rest, as the saying goes, is history. Or in Bob and Mary's case, it is natural history. That's because Emporia State also introduced them to a lifelong passion for the natural sciences.
Bob and Mary feel Emporia State was the catalyst for the life they've built together. Mary became a science educator for 6th, 7th, 8th and 9th grade students. Bob founded and served as director of the Great Plains Nature Center and became a renowned nature photographer.
Now they want others to have the same opportunity they did. They want to help students come to ESU and discover a passion they can follow for the rest of their lives.
Bob and Mary found a simple and easy way to achieve this dream. When they set up their trust, they named Emporia State as a beneficiary.
What's your dream?
Learn how easy it is to make your dream a reality by naming Emporia State University in your will or trust. Contact Angela Fullen, Director of Planned Giving at the Emporia State University Foundation. She can answer your questions or help you get started. If you have already named Emporia State in your will or trust, let us know. We will make sure your gift does everything you want it to do.
"I would encourage anyone, if they are thinking about doing something like this, to contact the Foundation. For us, it has been a great experience." - Mary Butel
Getting Started is Easy
Not sure how to take the first step? We've got just the thing you need. Download your free Will and Estate Planning Guide. This guide is an easy way to get started on, or update, your estate plan. It will help you explore your options at your own pace. It's free, easy and yours to keep.
Download your copy today or contact Angela Fullen to request a printed copy.
Does Medicare Cover Preventive Health Services?
Medicare covers a wide array of preventive and screening services to help individuals stay healthy, but not all services are completely covered. Here is what you should know.
Free Preventive Benefits
Medicare's preventive services are available to beneficiaries through Part B completely free without copays or deductibles, as long basic eligibility standards are met. Some of Medicare's covered services include: mammograms, colonoscopies, certain vaccines and screenings for diabetes, depression, osteoporosis, various cancers and cardiovascular disease. Medicare also covers counseling to combat obesity, alcohol abuse and smoking. To obtain these services for free, however, see a doctor who accepts Medicare "on assignment," which means he or she has agreed to accept the Medicare approved rate as full payment.
Additionally, the tests are free only if they are used at specified intervals. For example, cardiovascular screening blood tests are covered once every five years and colonoscopies, once every ten years. If you are at high risk for colorectal cancer, more frequent intervals may be covered, such as screenings every two years.
Medicare also offers a free "Welcome to Medicare" exam with your doctor in your first year, along with annual "Wellness" visits thereafter. These visits should not be confused with full physical examinations as they are prevention-focused visits that provide only an overview of your health and medical risk factors to establish a baseline for future care.
Cost Sharing Services
There are a few Medicare preventive services that require some out-of-pocket cost sharing. With these tests, you will pay 20% of the cost of the service after you have met your $226 Part B yearly deductible. The services include glaucoma tests, diabetes self-management training and prostate cancer detection. For a complete list of services along with their eligibility requirements, visit Medicare.gov/coverage/preventive-screening-services.
If you are enrolled in a Medicare Advantage (Part C) plan, your plan is required to cover the same preventive services as original Medicare, but each plan's rules can vary and the availability of some services and supplies will depend on where you live.
While most of the previously listed Medicare services are free, you can be charged for certain diagnostic services or additional tests or procedures related to the preventive service. For example, if your doctor finds and removes a polyp during your preventive care colonoscopy screening, you will pay 15% of the doctor's service fee. You may also be charged if during your annual wellness visit, your doctor needs to investigate or treat a new or existing problem.
In some cases, you will be charged for a doctor's visit if you meet with them before or after receiving services. Moreover, the location where you obtain these services could also entail a facility fee. Certain hospitals, for example, will often charge separate facilities fees for preventive services. To eliminate any unforeseen billing fees, talk to your provider before any preventive service procedure to find out if you are subject to a charge and what it would be.
If you receive an unexpected medical bill, you can always call the billing department and see if there is a way to negotiate a payment plan that fits your budget. In some cases, providers and facilities may be willing to provide credits or reductions based on your income.
Savvy Living is written by Jim Miller, a regular contributor to the NBC Today Show and author of "The Savvy Living" book. Any links in this article are offered as a service and there is no endorsement of any product. These articles are offered as a helpful and informative service to our friends and may not always reflect this organization's official position on some topics. Jim invites you to send your senior questions to: Savvy Living, P.O. Box 5443, Norman, OK 73070.