By Jim Miller

Dear Savvy Senior,

I will be retiring in a few months and need to get some health insurance for my wife and me until we can enroll in Medicare. What are my options?

About to Retire

Dear About,

There are several places early retirees can find health insurance coverage before Medicare kicks in, but the best option for you and your wife will depend on your income level and your health care needs. Here’s where to look.

Government Marketplace

If your yearly income falls below the 400 percent poverty level after you retire, the Affordable Care Act (ACA aka Obamacare) marketplace is probably your best option for getting health coverage because of the premium subsidies they offer, which will reduce the amount you’ll have to pay for a policy.

ACA health insurance is major medical insurance that covers essential health benefits with no annual or lifetime coverage maximums. And they can’t charge you more or deny you coverage because of a pre-existing health condition.

By Jim MillerS

Dear Savvy Senior,

What can you tell me about three-wheeled bicycles? I’m 65 years old and would like to start cycling again but I have some occasional balance problems and don’t trust myself on a two-wheeler. What can you recommend?

Ready to Ride

Dear Ready,

Three-wheeled bikes – also known as adult trikes – are a great cycling option for older adults, especially those who have concerns with their balance or stamina. Here’s what you should know, along with some tips to help you shop for one.

By Jim Miller

Dear Savvy Senior,

What can you tell me about the Supplemental Security Income program and what are the eligibility requirements? My father is very low-income, so I’m wondering if this is something he may qualify for.

Searching Daughter                                                                    

Dear Searching,

Supplemental Security Income (or SSI) is a program administered by the Social Security Administration that provides monthly cash benefits to people that are disabled or over 65 based on financial need. Currently, more than 8 million people are receiving SSI benefits. Here’s what you should know.

By Jim Miller

Dear Savvy Senior,

I will be retiring in a few months and need to get some health insurance for my wife and me until we can enroll in Medicare. What are my options?

About to Retire

Dear About,

There are several places early retirees can find health insurance coverage before Medicare kicks in, but the best option for you and your wife will depend on your income level and your health care needs. Here’s where to look.

Government Marketplace

If your yearly income falls below the 400 percent poverty level after you retire, the Affordable Care Act (ACA aka Obamacare) marketplace is probably your best option for getting health coverage because of the premium subsidies they offer, which will reduce the amount you’ll have to pay for a policy.

ACA health insurance is major medical insurance that covers essential health benefits with no annual or lifetime coverage maximums. And they can’t charge you more or deny you coverage because of a pre-existing health condition.

By Jim Miller

Dear Savvy Senior, What’s the difference between Alzheimer’s disease and dementia? My aunt has dementia, but they don’t know if she has Alzheimer’s disease, which is very confusing to me.

Trying To Understand

Dear Trying,

Many people use the words “Alzheimer’s disease” and “dementia” interchangeably, but they are not the same thing. In fact, you can have a form of dementia that is completely unrelated to Alzheimer’s disease. Here’s what you should know.

By Jim Miller

Dear Savvy Senior,

Are there any specific auto gadgets you can recommend that can help senior drivers? Both of my parents are in there eighties and still pretty good drivers, but due to arthritis and age they’re very stiff, which causes them some driving problems.

Researching Daughter

Dear Researching,

To help keep senior drivers safe and prolong their driving years, there’s a plethora of inexpensive, aftermarket vehicle adaptions you can purchase that can easily be added to your parent’s vehicles to help with many different needs. Here are some good options.

By Jim Miller

Dear Savvy Senior,

What resources can you recommend to help seniors with vision loss? My husband, who’s 76, has macular degeneration that has progressed to the point that he can’t do a lot of his routine activities anymore, and has become very discouraged.

Looking for Help 

Dear Looking,

Unfortunately, there are around 15 million Americans, like your husband, living with macular degeneration today. Over time, this progressive disease can rob people of their central vision, making everyday tasks like driving a car, reading the newspaper or watching television extremely challenging. Here are some resources that can help.

By Jim Miller

Dear Savvy Senior

What are the cheapest cell phone plans available to seniors today? I’m 78-years-old and want it primarily for emergency purposes.

Infrequent Caller

Dear Infrequent,

While unlimited high-speed data, video streaming and mobile hot spot are now standard for most cell phone plans today, there are still a number of low-cost wireless plans designed with seniors in mind.

The Savvy Senior
By Jim Miller

Dear Savvy Senior,

What’s the best way to go about making a living will? I recently retired and would like to start getting my affairs in order, just in case.

Approaching 70

Dear Approaching,

Preparing a living will now is a smart decision that gives you say in how you want to be treated at the end of your life. Here’s what you should know, along with some resources to help you create one.

By Jim Miller

Dear Savvy Senior,

What types of travel discounts are available to older travelers? I just retired and am interested in learning about travel deals for people over 60.

Ready To Go

Dear Ready,

There are literally thousands of different travel-related discounts available to retirees that usually start anywhere between the ages 50 and 65. These discounts – typically ranging between 5 and 25 percent off – can add up to save you hundreds of dollars on your next trip. Here’s how you can find them.

By Jim Miller

Dear Savvy Senior,

Can you provide some tips on how to choose a good estate sale company who can sell all the leftover items in my mother’s house?

Inquiring Daughter

Dear Inquiring,

The estate sale business has become a huge industry over the past decade. There are roughly 22,000 estate sale companies that currently operate in the U.S., up nearly 60 percent from just 10 years ago. But not all estate sale companies are alike.

By Jim Miller

Dear Savvy Senior,

Are there any special Medicare programs that help seniors with their medication costs? My 74-year-old mother, who lives primarily on her Social Security, takes several high-priced drugs that sap her income even with her Medicare drug plan. 

Looking for Assistance

Dear Looking,

Yes, there’s a low-income subsidy program called Extra Help that can assist seniors on a tight budget with paying for their premiums, deductible and co-payments in their Medicare (Part D) prescription drug plan.