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SAVE MONEY

Medicare QMB Savings: How To Cut Your Expenses In Half

Medicare QMB Savings

Medicare And Medicaid Savings For Qualified Beneficiaries (QMB) If you are entitled to receive Medicare and have a low income, your State may pay some or all of your Medicare QMB savings expenses. State Medicaid programs pay Medicare costs for certain elderly and disabled persons with low incomes and very limited assets. What this means is that, depending on your income and the value of things you own, you will not have to pay some or all of your out-of-pocket expenses for hospital, physician, and other services covered by Medicare. You could save hundreds if not thousands of dollars each year. Several Programs Offer Medicare Help There are several programs to help people pay their Medicare expenses: The Qualified Medicare Beneficiary or QMB program The Specified Low-income Medicare Beneficiary or SLMB program The Qualifying Individual or QI program. The QMB program is for persons with limited resources whose incomes are…

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PERSONAL FINANCE

How To Use Bankruptcy To Rebuild Your Financial Health

Bankruptcy To Rebuild Your Financial Health

Rural/Suburban America Must Deal With Bankruptcy BEFORE The Next Financial Crisis In 2017 alone there were 765,863 non-business bankruptcy filings, which used bankruptcy to rebuild your financial health. According to the Administrative Office of the U.S Courts, many people all across the country are finding it harder and harder to manage their finances and stay on top of debt. Bankruptcy Is A Means of Relief Before the Next Crash Why It Matters:  People living in rural communities have it even tougher with a lack of access to proper jobs and assistance. If you feel like you have exhausted all of your other options, filing bankruptcy will not only relieve you of certain debt, it can prevent unfortunate events such as foreclosures, repossessions and wage garnishments.   Making the Decision to File for Bankruptcy If you’re thinking of filing Chapter 7 bankruptcy, one team of expert Scottsdale bankruptcy lawyers recommends that you first complete all of…

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