The last few months have presented challenges for everyone and required much patience and flexibility. For Charlotte Kindler, staying at home during the months of COVID-19 has given her more time to paint land and seascapes, practice her ukulele and video chat with her three sons, two daughters and five grandchildren.

If you have looked into Medicare to see about getting covered, you know how complex it can be. You may be confused about late penalties, lack of coverage and which plans are best for you, for starters.

Although they sound very similar, Medicare and Medicaid are very different services.