Rss Feed
Tweeter button
Facebook button
Technorati button
Reddit button
Myspace button
Linkedin button
Delicious button

Individual & Family Health Insurance
Medicare Supplements
Dental Insurance
Small Business Health Insurance
Welcome to

Medicare is a national social insurance program, administered by federal government in since 1965, that guarantees access to health insurance for people ages 65 and older and younger people with disabilities as well as people with end stage renal disease. As a social insurance program, Medicare spreads the financialrisk associated with illness across society to protect everyone, and thus has a somewhat different social role from for-profit private insurers, which manage their risk portfolio by adjusting their pricing according to perceived risk.

Medicare offers all enrollees a defined benefit. Hospital care is covered under Part A and outpatient medical services are covered under Part B. To cover the Part A and Part B benefits, Medicare offers a choice between an open-network single payer health care plan (traditional Medicare) and a network plan (Medicare Advantage, or Medicare Part C), where the federal government pays for private health coverage. A A majority of Medicare enrollees have traditional Medicare (76 percent) over a Medicare Advantage plan (24 percent) (, 2012). Medicare Part D covers outpatient prescription drugs exclusively through private plans or through Medicare Advantage plans that offer prescription drugs.

In 2010, Medicare provided health insurance to 48 million people age 65 and older and eight million younger people with disabilities.
Medicare serves a large population of old and disabled individuals. On average, Medicare covers about half (48 percent) of health care costs for enrollees.

Medicare enrollees must cover the rest of the cost. These out-of-pocket costs vary depending on the amount of health care a Medicare enrollee needs.

They might include uncovered services—such as long-term, dental, hearing, and vision care—and supplemental insurance.



The world’s poorest people are climbing out of poverty by gaining legal control of their land.

For more than four decades, Landesa has championed the power of land ownership and secure land rights as the key to a better, safer future for the world’s poorest people.

Most of the poor share three traits: they live in rural areas, rely on agricultural labor to survive, but don’t own the land they till.

Structural problems deserve structural solutions

Landlessness is one of the best predictors of extreme poverty around the world. For more than 40 years, Landesa has partnered with governments  to create laws, policies, and programs that provide secure land rights for the poorest.We’ve learned that when a family has land of their own, they have opportunity and the means to improve nutrition, income, shelter. We’ve seen that when land rights are secure, the cycle of poverty is broken – for an individual, a family, a village, a community and entire countries.

This shift is already happening on a grand scale. With the help of Landesa’s global team of land tenure experts, and in partnership with governments around the world, more than 100 million families in 40 countries have obtained secure land rights.

Broadly distributed land rights provide structural change that is enduring and multi-generational, which leads to long-term systemic change, not short-term relief. Secure land rights foster the tangible benefits of ownership that are necessary for sustainable poverty alleviation.

Founded in 1967 by former University of Washington Law Professor Roy Prosterman, and originally named the Rural Development Institute, we continue to be guided by the radically simple notion that secure property rights bring opportunity. While we recognize that land rights are not a panacea to poverty, we believe that they provide quite possibly the best first step. They are the foundation required for other development tools – education, public health, microfinance, sanitation, nutrition, among others to take root.

We envision a world free of extreme poverty. We see a future in which all who depend on land for their well-being have secure land rights – one of the most basic and powerful tools for lifting themselves and their families out of poverty.