masthead of The Advocate online newsletter of The Benefit Advocates

Applying and Filing for the Medicare D Subsidy
icon image of woman applying for Medicare DPlanning to seek the Medicare D subsidy for your company? The deadline to submit your subsidy request application to the Centers for Medicare and Medicaid Services (CMS) is September 30. The savings can be substantial — up to 20 percent or more.
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The Value of Second Opinions
When faced with major medical decisions, it's wise to get a second opinion. They often catch inaccurate diagnoses and helps you better understand the risks and benefits of a wider range of treatment options.

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Consumer-Driven Health Saves Costs
Shifting decisions to consumers in health care reduces costs. A CIGNA study found that 42,000 first-time participants in its consumer-driven health plans not only decreased costs 8 percent but lived healthier.
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My View: Services for Individuals
Since 2001, The Benefit Advocates has established a solid track record helping corporate clients navigate the maze of the health-care system. Now we're offering the same services to individuals.
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Many Employees Worried About Finances
Personal finance worries are up and many employees are taking those concerns to work, according to ComPsych — a leading provider of employee assistance program benefits for the nation's businesses.
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Help Workers Use Tax Returns Wisely
About 74 percent of taxpayers get a refund of about $2,700 but many waste the money on one-time vacations and other expenses and costly refund-anticipation loans.
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Medicare to Cover Obesity Surgery
Medicare will pay for three forms of obesity surgery as long as the procedures are done in "high-volume enters that achieve low mortality rates."
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An online publication of The Benefit Advocates, 514 S. Stratford Road, Suite 301
Winston-Salem, N.C. 27103-1823, 1-800-344-5677.
Linda Carter, Editor, May 2006
Contact us at info@benefitadvocates.net

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