CMS Approves Medicare Coverage of ‘Breakthrough’ Medical Devices

The Centers for Medicare and Medicaid Services has issued new rules that require Medicare to cover medical devices that the Food and Drug Administration designates as "breakthrough" technology.  The rule paves the way for giving Medicare recipients access to the latest technologies four years after they receive market approval by the FDA. The move should greatly speed up the time by which these new devices are covered by Medicare, the approval process of which can be extremely slow. Under the final rule, the CMS will use the data for these devices during the four years after the FDA approves them,…

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Medical Marijuana, Recreational Pot Laws and Driving

With more states moving to legalize marijuana through ballot measures, and even more having medicinal marijuana laws on the books, many people may be confused about the legality of driving after using pot. While all states have laws prohibiting driving under the influence of alcohol or drugs, many people who live in states with medicinal marijuana laws think it's okay to get behind the wheel after using the substance.  But the truth is that no state that has legalized recreational marijuana use or medical marijuana permits people to drive under the influence. Just as alcohol is legal but driving drunk…

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Homeowner’s Five Coverages You May Not Know You Need

When you own a home, you may have extenuating circumstances and/or own property that your insurance may not cover. There are a number of extra coverage options you can add on to your policy, which are known as endorsements. They are essentially riders that you purchase separately but tack on to your homeowner's coverage as a policy extension. In fact, there may be risks in your home that you never thought of and that won't be covered by your homeowner's policy.  Here are five endorsements that you should be aware of, according to the insurance trade publication National Underwriter. 'Additional…

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Are You Covered for Invasion of Privacy by Drone?

If you or one of your kids has a new drone and are excited about flying it, one issue that you need to be aware of is invading another person's privacy, particularly if you are flying it around your neighborhood and capture images of your neighbors and their backyards. Because many drones are also equipped with cameras, and with the continuing proliferation of social media, chances are high that someone will be posting images or video captured in their neighborhood by a drone they are flying.  In other words, drones present a new form of privacy invasion that can land…

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Five Tips for a Safer New Year for Your Family

As we ring in the New Year, one of your resolutions for the year should be to improve safety for you and your family.  There are many things we can all do better in terms of ensuring that we are safe and that our home and valuables are protected.  This year we offer up these five actions you can take to reduce the chances of one of your family members or a house guest getting hurt, and to see your possessions are well protected. Remember too that after the New Year, robbers are on the prowl, looking for opportunities to…

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