The State of Coverage to Supplement Medicare in Massachusetts
|
|
- Kristopher Armstrong
- 2 years ago
- Views:
Transcription
1 The State of Coverage to Supplement Medicare in Massachusetts Nancy Turnbull SEPTEMBER 24, 2015
2 Medicare covers nearly 1.2 million residents of Massachusetts. ~900,000 people age 65 or older ~300,000 people under age 65 with disabilities 2
3 Medicare has many gaps. Premium Deductible Copayments/ Coinsurance Benefit Limits Other gaps PART A PART B PART D For some, up to $407/month $1,260 per benefit period (can have >1 per year) $315-$630 per day for hospital 100 days/snf 190 psychiatric hospital days /lifetime $105/month (and more for those with higher income) $147 per year $320/year 20% for physician and other medical (including diagnostic) Dental, vision, long-term care services Depends on plan selected 25% up to $2,960 in total drug costs 45% / 65% between $2,960 and $6,680 3
4 Coverage to supplement Medicare is an important source of financial protection. Number of Medicare Beneficiaries in Massachusetts, , , , ,000? Medigap Plans Medicare Advantage Plans MassHealth GIC/Federal Retirees Other or None TYPE OF SUPPLEMENTAL COVERAGE 4
5 Prescription drug coverage is vital, too. Number of Medicare Beneficiaries in Massachusetts, , , ,000 Stand-alone PDP Medicare Advantage with Rx 7,000 Medigap with Rx 111,000 GIC/Federal Retirees TYPE OF SUPPLEMENTAL COVERAGE MassHealth? 0 Other or None 5
6 Lots of Private Plan Choices Medigap Products Medicare Advantage Products Stand-alone Prescription Drug Plans 6
7 A variety of other public programs provide additional coverage and financial protection. MEDICARE SAVINGS PROGRAMS EXTRA HELP HEALTH SAFETY NET 7
8 Issue #1: Lack of Health Insurance ~50,000+ elders each year have a period without coverage 45,000 have a spell without coverage 6,000 had no coverage for the entire year Some ineligible for premium-free Medicare Part A Medicare Part A premium can be $400/month Workers more likely to be ineligible for Medicare: Domestic workers, seasonal workers, and migrant workers, some federal, state, and local government retirees 8
9 Issue #2: Supplemental coverage is expensive, particularly relative to average income. Distribution of Members by Monthly Premium: Medicare Advantage Direct Pay Members with Prescription Drug Coverage (n=175,000 people) December 2014 February % 47% 10% 28% 27% 22% 12% 13% $0 $1 to $69 $70 to 139 $140+ MONTHLY PREMIUM 9
10 Issue #2: Supplemental coverage is expensive, particularly relative to average income. Premiums and Out-of-Pocket Spending Limit Annual Amount Medicare Part B Premium $1,259 As a percent of Average Social Security Benefit in Massachusetts ($16,000) Medicare Advantage Premium (most popular product) $2,546 Total Premiums $3,808 24% Plus: Total out-of-pocket spending limit (for covered services) $3,400 Total Premiums and Out-of-pocket $7,208 45% 10
11 Issue #3: Premiums for the most popular private plans are increasing rapidly and much faster than Social Security benefits. Type of Plan Range of Premium Increase: 2009 to 2015 Medigap Plans -1% to +47% Medicare Advantage Plans -27% to +214% Prescription Drug Plans -7% to +36% Social Security Benefits COLA increase +8.7% 11
12 Issue #4: Private coverage and public programs are complicated and fragmented, making them hard to understand and navigate. Lots of different private plans choices Different rules for different public programs Income and asset amounts vary Application process can be complex Different agencies responsible for different programs Many people eligible but not enrolled Less than one-third of eligibles in U.S. enrolled in the Medicare Savings Programs 12
13 Issue #5: Elders may have less access to affordable health coverage than non-elders with the same income. MassHealth (for community-residing individuals) Connector Care (for those without access to affordable ESI) PEOPLE AGE 65 OR OLDER ADULTS UNDER AGE % FPL plus asset test Not eligible People with disabilities (ages 0-64) Former foster care children up to age 26 Individuals with breast or cervical cancer Pregnant women and persons with HIV Adults without one of the above conditions No income limit; those with higher incomes pay premiums No income limit 250% FPL 200% FPL 133% FPL Up to 300% FPL; sliding scale premiums based on income. (Up to 400% FPL for federal tax credits) 13
14 Issue #6: Little ongoing publicly available analysis and synthesis about this important part of the health insurance market Dozens (hundreds?) of reports on costs, coverage, access, satisfaction with health coverage for people under age 65 in last decade 14
15 IN CONTRAST, Major public reports on coverage to supplement Medicare, affordability, access to services and care among Medicare beneficiaries in Massachusetts 15
16 Questions? 16
Medicare Open Enrollment
Medicare Open Enrollment SHINE Overview SHINE= Serving the Health Insurance Needs of Everyone on Medicare Mission: To provide free and unbiased health insurance Information, counseling and assistance to
What is a Medicare Advantage Plan?
CENTERS FOR MEDICARE & MEDICAID SERVICES What is a Medicare Advantage Plan? A Medicare Advantage Plan (like an HMO or PPO) is a way to get your Medicare benefits. Unlike Original Medicare, in which the
Introducing OneExchange.
RETIREE BENEFITS Introducing OneExchange. OneExchange provides you with plan advice and enrollment assistance to choose Medicare supplemental healthcare and prescription drug coverage that s right for
Massachusetts State Health Programs Eligibility and Coverage
Massachusetts State Health Programs Eligibility and Coverage MassHealth Programs MassHealth Standard Children 1-18 w/ income 150% FPL* Pregnant women and their children
It s Time for Medicare
It s Time for Medicare med-waageinbook-1214 Medicare What you need to know. You re turning 65. Or you re already 65 and getting ready to retire and lose your healthcare coverage. You re almost ready for
John R. Kasich, Governor Mary Taylor, Lt. Governor/Director. Medicare Supplement Vs. Medicare Advantage
John R. Kasich, Governor Mary Taylor, Lt. Governor/Director Medicare Supplement Vs. Medicare Advantage Medicare Supplement vs Medicare Advantage? Option 1 Option 2 Original Medicare Part A and Part B +
Things you need to know about Medicare.
Things you need to know about Medicare. 1 2 3 1OPTION Original Medicare We re here to help. Approaching 65 is an important milestone in life, and becoming eligible for Medicare is part of that. Whether
Medicare At A Glance. State Health Insurance Assistance Program (SHIP)
2015 Medicare At A Glance Indiana 2015 State Health Insurance Assistance Program (SHIP) Who runs the Medicare Program? The Centers for Medicare & Medicaid Services (CMS) is the Federal agency that runs
Oak Ridge National Laboratory. New Coverage New Choices
Oak Ridge National Laboratory New Coverage New Choices What we ll cover today What is changing and why? How this affects you Introducing Extend Health Medicare marketplace Going forward Questions & answers
Medicare Advantage Plans. On the Medicare.gov Plan Finder
Medicare Advantage Plans On the Medicare.gov Plan Finder Important Considerations: 2 Before you enroll, REVIEW YOUR MEDICARE CHOICES!! (If you are certain you want a Medicare Advantage Plan, skip to page
Medicare Supplement Insurance
Helping Older Persons With Legal & Long-Term Care Problems Medicare Supplement Insurance 1. What Is Medicare Supplement Insurance? Medicare Supplement Insurance, also known as MedSupp or MediGap is designed
Health Benefits Frequently Asked Questions
Health Benefits Frequently Asked Questions The General Board of Pension and Health Benefits (General Board) is partnering with Towers Watson s OneExchange to offer Medicare-eligible participants and Medicare-eligible
Medicare 101 What is the difference between Medicare and Medicaid? What is Medicare Part A? What is Medicare Part B? What is Medicare Part C?
Medicare 101 What is the difference between Medicare and Medicaid? Medicare is a national health insurance program administered by the federal government that provides health insurance coverage to most
Medicare Advantage Plans
Searching for Medicare Advantage Plans On the Medicare.gov Plan Finder 300 S. Adams Street, Green Bay, WI 920 448 4300 TTY: 920 448 4335 www.adrcofbrowncounty.org Page 2 of 9 Important Considerations:
New Coverage New Choices 10/31/2011
New Coverage New Choices 10/31/2011 What We Will Cover Today What is changing and why. How this affects you. Get to know Extend Health and the services available to you. A look at the Medicare marketplace.
Agenda. Medicare Basics Parts of Medicare What is a Medicare Advantage Plan? How do Medicare Advantage Plans work?
Agenda Medicare Basics Parts of Medicare What is a Medicare Advantage Plan? How do Medicare Advantage Plans work? Cost sharing, networks and eligibility MCHCP and Medicare Advantage Advantage? What is
welcome to 2016 Annual Enrollment! OCTOBER 15 NOVEMBER 18, 2015
welcome to 2016 Annual Enrollment! OCTOBER 15 NOVEMBER 18, 2015 The purpose of this guide is to help you take a closer look at the five health plan options available to you and show you what s changing,
Dual Eligibility in Pennsylvania: What Happens When I Am Newly Eligible for Medicare and Medicaid?
Dual Eligibility in Pennsylvania: What Happens When I Am Newly Eligible for Medicare and Medicaid? Each month through our Helpline, PHLP talks to individuals (or to their family members, advocates or providers)
Medicare Supplement Plan
MedigapBlue MedigapBlue SM Medicare Supplement Plan The plan that covers what Medicare leaves out Look Inside! You have good reasons to choose a Highmark MedigapBlue Medicare Supplement plan. Decades of
Making the most of Medicare
Making the most of Medicare S5743_102714_K04_RE Internal Approval 10/27/2014 Today s Topics What is Medicare Who s eligible Medicare coverage Options to fill coverage gaps When you can enroll Finding the
Health Insurance After Age 65
1 GUIDE TO MEDICARE PLANNING Health Insurance After Age 65 Whether you are retired or still working, Medicare will likely become part of your life after you turn 65. In the United States today, most health
What s Medicare? What are the different parts of Medicare?
Revised June 2015 What s Medicare? Medicare is health insurance for: People 65 or older People under 65 with certain disabilities People of any age with End-Stage Renal Disease (ESRD) (permanent kidney
If you are thinking about retirement...
RETIREE HEALTHCARE AND YOUR HEALTH REIMBURSEMENT ARRANGEMENT (HRA) This brochure describes certain retiree healthcare benefits under the Caterpillar Inc. Group Insurance Plan (Part 2). If you participate
Teachers Retirement Insurance Program
Comparison of Illinois State Retiree Health Insurance Options with Traditional Medicare and Medicare Supplement (Medigap) Insurance Teachers Retirement Insurance Program Insuraprise, Inc. (C) Copyright
Programs. Summary of State Programs and Laws Highlighted in Faces of Maryland s Newly Insured. Medical Assistance for Families (SB 6)
Programs Summary of State Programs and Laws Highlighted in Faces of Maryland s Newly Insured Medical Assistance for Families (SB 6) Medical Assistance for Families provides full health care insurance to
I wanted to understand the Medicare program basics. This presentation really helped.
Welcome to Medicare 101! I wanted to understand the Medicare program basics. This presentation really helped. What is Medicare? What benefits does Medicare cover? What benefits doesn t Medicare cover?
HELPING SOMEONE CHOOSE A MEDICARE PLAN? MVP IS HERE TO HELP YOU!
HELPING SOMEONE CHOOSE A MEDICARE PLAN? MVP IS HERE TO HELP YOU! Y0051_2387 Accepted WHAT YOU NEED TO KNOW ABOUT MEDICARE When you re helping a friend or family member choose a Medicare plan, be sure you
Medicare Factsheet What is Medicare? Original Medicare (Part A and Part B) Medicare Advantage Plan (Part C) Prescription Drug Plans (Part D),
Medicare Factsheet If you are enrolled in Medicare, you do not need to do anything with Covered California. If you have Medicare you are covered. No matter how you receive your Medicare benefits, whether
SMART Humana Group Medicare
SMART Humana Group Medicare Group Medicare GHHHNYFEN 0813 Overview of Humana Medicare Medicare is the largest government-sponsored health insurance program in the United States, serving more than 49 million
Helping You Prepare For Your Upcoming Health Insurance Enrollment
Helping You Prepare For Your Upcoming Health Insurance Enrollment Who We Are Transitions Can Be A Good Thing! OneExchange For Your Benefit A Deeper Dive Benefit Advisors, Private Exchange, Optimize Savings,
Insurance Rights of Cancer Survivors. Bobbi Christensen-Meins Program Director Cancer Lifeline
Insurance Rights of Cancer Survivors Bobbi Christensen-Meins Program Director Cancer Lifeline The goal of this presentation is to give you some options on how you make sure you have the resources you need
Health Coverage and Concerns Facing Older Women
Health Coverage and Concerns Facing Older Women Alina Salganicoff, Ph.D. Vice President and Director Women s Health Policy Kaiser Family Foundation Figure 1 Women comprise the majority of Medicare enrollment
Everyone needs to plan ahead for Medicare
Your financial well-being Everyone needs to plan ahead for Medicare Having a thorough understanding of how Medicare works and the choices you need to make about its coverage is an essential part of retirement
THE A,B,C,D S OF MEDICARE
THE A,B,C,D S OF MEDICARE An important resource for understanding your healthcare in retirement What you need to know for 2014 How Medicare works What Medicare covers How much Medicare costs INTRODUCTION
Medicare Factsheet. September 2, 2015 Page 1 of 6
Medicare Factsheet If you are enrolled in Medicare, you do not need to do anything with Covered California. If you have Medicare you are covered. No matter how you receive your Medicare benefits, whether
Make sure you re covered for your biologic medicine!
It s open enrollment time Make sure you re covered for your biologic medicine! Joint Decisions is brought to you by Janssen Biotech, Inc., in partnership with CreakyJoints CreakyJoints Bringing arthritis
Medicare Supplemental Insurance (Medigap)
Medicare Supplemental Insurance (Medigap) All Medigap s A through N The available supplemental insurance plans that are offered are lettered plans A-N. Each plan offers a different benefits package and
Medicare Quick Reference
Medicare Quick Reference 2016 Income Investment Estate Retirement Social Security NOT FDIC INSURED NO BANK GUARANTEE MAY LOSE VALUE This guide provides general Medicare information. Part A Part C (Medicare
Understanding Medicare
Understanding Medicare When you think about income streams in retirement, Medicare may not initially come to mind. But it is an important part of most retirees "golden years." Medicare covers many health
Fee-for-Service. Medicare Supplemental Retiree Health Plans
Sheet Metal Workers Health Plan of Southern California, Arizona & Nevada April 2011 Summary Comparison Of Benefits Available under the Fee-for-Service and Medicare Supplemental Retiree Health Plans Important:
What s Medicare? What are the different parts of Medicare?
Revised June 2014 What s Medicare? Medicare is health insurance for: People 65 or older People under 65 with certain disabilities People of any age with End-Stage Renal Disease (ESRD) (permanent kidney
Medicare Prescription Drug Benefit
Medicare Prescription Drug Benefit Karen Tritz Overview Overview of new Medicare Prescription Drug Benefit The Timing and Process Implications for Working People with Disabilities Overview of Medicare
Health Matters. A Guide for Medicare-Eligible Retirees
Health Matters A Guide for Medicare-Eligible Retirees Why am I receiving this booklet? We have decided to offer SelectQuote Senior s insurance exchange. We are committed to helping you make smart choices.
MEDICARE BASICS. Eligibility: Disabled, or Age 65
MEDICARE BASICS Eligibility: Disabled, or Age 65 Coverage: Part A Hospital Insurance o Hospital stays o Skilled Nursing Facility stays (limited coverage) Part B Medical Insurance o Outpatient and diagnostic
Medicare and Medicaid: What You Need to Know
Medicare and Medicaid: What You Need to Know This program is sponsored by the Nevada Aging and Disability Services Division and is presented by the Access to Healthcare Network and Nevada Geriatric Education
Massachusetts Health Connector logo. What Does National Health Care Reform Mean for You?
Massachusetts Health Connector logo What Does National Health Care Reform Mean for You? 1 National health care reform offers more opportunities for individuals, families, and small businesses to save on
Retirement. State of Tennessee Retirement Programs
Retirement State of Tennessee Retirement Programs Retirement The State of Tennessee Currently offers two retirement options: State of Tennessee web page http://www.treasury.state.tn.us/ Tennessee Consolidated
Once you have an understanding of your health needs, you need to understand your Medicare options so you can decide which one best suits your needs.
Medicare Options It is important for you to think about your particular health care needs. Do you have a doctor you prefer to see? Do you have a condition that requires frequent doctor visits? How many
Medicare Made Simple
Medicare Made Simple 877-413-1556 Who are we? MedicareMall is the nation s premier enrollment center for Medicare Supplement Plans, Medicare Part D (prescription drug plans,) and Vision & Hearing Insurance
What is Medicare? The Different Parts of Medicare
Medicare and You The Different Parts of Medicare A Medicare Part A Hospital Insurance Inpatient care at hospitals, skilled nursing facility*, hospice and home health care. What is Medicare? Medicare is
Medicare Updates Massachusetts Health Care Training Forum. October 2012
Medicare Updates Massachusetts Health Care Training Forum October 2012 1 Topics Covered Overview of Medicare A, B & C Newest Preventive Services Medicare Part D 2013 Standard Benefit Impact of ACA on the
Medicare 101 Guide Your Guide to Medicare Basics
Medicare 101 Guide Your Guide to Medicare Basics Y0013_16_MEDGUI Accepted 11232015 bcbstmedicare.com Get More from Your Medicare This guide helps you understand how Medicare s different parts work and
Understanding Medicare Fundamentals
Understanding Medicare Fundamentals A Healthcare Cost Planning Overview By Mark J. Snodgrass & Pamela K. Edinger JD July 7, 2012 Money Tree Software, Ltd. 2430 NW Professional Dr. Corvallis, OR 98330 2012
Planning for Medicare An Educational Resource from Blue Cross Blue Shield of Massachusetts
Planning for Medicare An Educational Resource from Blue Cross Blue Shield of Massachusetts Blue Cross Blue Shield of Massachusetts is an Independent Licensee of the Blue Cross and Blue Shield Association.
Securing Health Insurance for the Retirement Journey MANAGING RETIREMENT DECISIONS SERIES
Securing Health Insurance for the Retirement Journey MANAGING RETIREMENT DECISIONS SERIES PEOPLE ARE LIVING LONGER in retirement than ever. Maintaining good health will help make those years vibrant. So
Before we discuss the differences between Part A and Part B, there are two terms that are important to understand: deductible and benefit period.
SLIDE 1 The ABCD s of Medicare Welcome to Health First s presentation of The ABCDs of Medicare. This is not a sales presentation it s for educational purposes and no plan specific benefits or details will
STEPPING INTO MEDICARE. Invaluable help from the name you know and trust Blue Cross and Blue Shield of Illinois
STEPPING INTO MEDICARE Invaluable help from the name you know and trust Blue Cross and Blue Shield of Illinois Blue Cross and Blue Shield of Illinois offers a great array of plans that pick up where Medicare
Group Medicare Plans Underwriting Guidelines
Group Medicare Plans Underwriting Guidelines Independence Blue Cross Underwriting Department This document is for informational purposes only and is not intended to be comprehensive. Independence Blue
Oklahoma Higher Education Employee Insurance Group Educational Meeting Welcome!
Oklahoma Higher Education Employee Insurance Group Educational Meeting Welcome! The benefit information provided herein is a brief summary, but not a comprehensive description of available benefits. Additional
MEDICARE: You ve earned It. Make the most of it.
Cigna Medicare Services MEDICARE: You ve earned It. Make the most of it. A simple guide filled with useful information on Medicare, health and wellness and more. Section 1 MEDICARE. PLAIN AND SIMPLE. Section
Celebrating 65 (SM) Your Road to Retirement
Celebrating 65 (SM) Your Road to Retirement TABLE OF CONTENTS What is........................ 2 In this Brochure................................. 3 Making Sense of Social Security....................
Health Matters. A Guide for Medicare-Eligible Healthcare Options. Important health plan information enclosed.
Health Matters A Guide for Medicare-Eligible Healthcare Options Important health plan information enclosed. Why am I receiving this booklet? Brookhaven Science Associates (BSA) has decided to offer SelectQuote
Health insurance options for people with disabilities
Health insurance options for people with disabilities Brought to you by: Washington State Office of the Insurance Commissioner Table of Contents Introduction Consumers with disabilities who are NOT eligible
Getting started with Medicare.
Getting started with Medicare. Medicare Made Clear TM Get Answers: Medicare Education Look inside to: Understand the difference between Medicare plans Compare plans and choose the right one for you See
Medicare Made Clear Answer Guide
Medicare Made Clear Answer Guide Y0066_100820_113217 File & Use 08252010 Medicare can be confusing. How do you find the best options to fit your needs? This guide has some answers that may be helpful.
Health insurance options for people with disabilities
Health insurance options for people with disabilities Table of Contents Introduction 1 Consumers with disabilities who are NOT eligible for Medicare 3 Buying health insurance 3 Disability-related programs
Medicare Supplement (Medigap) Coverage for Medicare Beneficiaries
Medicare Supplement (Medigap) Coverage for Medicare Beneficiaries Brian Webb Manager, Health and Life Policy Nat l Assoc. of Insurance Commissioners February 6, 2009 Original Medicare Created in 1965,
Medicare 101. Marketplace & Medicaid Transitions. Janice Meinert Kyle Fisher kfisher@phlp.org March 2016
Medicare 101 Marketplace & Medicaid Transitions Janice Meinert Kyle Fisher kfisher@phlp.org March 2016 Medicare Basics Topics Eligibility and Enrollment Original Medicare vs Medicare Advantage Transitions
Managing Your Health Care Costs in Retirement. Plain Talk Library
Managing Your Health Care Costs in Retirement Plain Talk Library If you re approaching retirement or you re already retired, you probably have many questions about the financial issues the years to come
Extra Help. Do you have Medicare? Do you live on a limited income? Do you need help to pay for your prescriptions? 1-855-937-2372
Extra Help Do you have Medicare? Do you live on a limited income? Do you need help to pay for your prescriptions? Extra Help If so you may qualify for the Medicare Low Income Subsidy (LIS) Program also
Helping you choose the Medicare coverage that best meets your healthcare needs.
Plan Selection Service Allsup Experts are Ready to Help The process of finding the Medicare plan that works best for you can be time-consuming and overwhelming without sufficient guidance. As trusted experts
Medicare Benefits. As of 2012, approximately 50 million people were Medicare beneficiaries.
Medicare Benefits Medicare is the federal health insurance program for people age 65 and older, and those of all ages with certain disabilities, End-Stage Renal Disease (ESRD), or Lou Gehrig s disease
Medicare Open Enrollment
Medicare Open Enrollment For Coverage in 2015 1-800-MEDICARE www.medicare.gov Module Summary This module will provide the following information: Medicare Part A and B basic costs Medicare Advantage Plan
Making Sense of Medicare
Making Sense of Medicare Stephanie M. Turnbull Manager, Member Benefits 1 Highlights Medicare Eligibility Types of Medicare Coverage Medicare Part A Medicare Part B Medicare Part C Medicare Part D Medicare
RETIRING WITH MEDICARE
MEDICARE! RETIRING WITH MEDICARE Helping You Make a Confident Decision To be used through employers only DoctorsChoiceUSA.com WHAT S ON THE AGENDA! What is Medicare?! What are my options?! When and how
Welcome to Medicare! Module 1A
Welcome to Medicare! Module 1A Welcome to Medicare Introduction to Medicare Original Medicare Plan Medicare Supplement Insurance (Medigap) Medicare Advantage and other Medicare plans Medicare prescription
Help Paying for Your Medicare Costs
Help Paying for Your Medicare Costs A quick guide to assistance programs for people with Medicare This booklet was last revised June 2013. For updates, please call Community Health Advocates at 1-888-614-5400.
FINDINGS FROM THE 2014 MASSACHUSETTS HEALTH INSURANCE SURVEY
CENTER FOR HEALTH INFORMATION AND ANALYSIS FINDINGS FROM THE MASSACHUSETTS HEALTH INSURANCE SURVEY MAY 2015 Prepared by: Laura Skopec and Sharon K. Long, Urban Institute Susan Sherr, David Dutwin, and
Guide to Medicare MEDICARE BASICS. Presented by
Guide to Medicare MEDICARE BASICS Presented by 14 Medicare Basics What Is Medicare? Medicare is health insurance for the following: People 65 or older People under 65 with certain disabilities People of
5 Mistakes to Avoid MAKE NO MISTAKES MEDICARE WEBINAR: Thinking that Medicare has four parts. www.65incorporated.com
MAKE NO MISTAKES MEDICARE WEBINAR: 5 Mistakes to Avoid MISTAKE #1: Thinking that Medicare has four parts. Medicare has three parts that go together into two paths. 1. The three parts of Medicare:» Part
Cabrillo College Retiree Benefits and Medicare Frequently Asked Questions
Cabrillo College Retiree Benefits and Medicare Frequently Asked Questions Table of Contents What is Medicare?... 3 What are the different parts of Medicare?... 4 What does Medicare help cover Part A?...
Medigap or Medicare Advantage: Comparing coverages
Medigap or Medicare Advantage: Comparing coverages Medicare Advantage and Medicare Supplement (also called Medigap) are two entirely different things but many people confuse the two of them. Choosing which
What s a Medicare Advantage Plan?
Revised April 2015 What s a Medicare Advantage Plan? You can get your Medicare benefits through Original Medicare, or a Medicare Advantage Plan (like an HMO or PPO). If you have Original Medicare, the
Health Coverage with More Choices
Health Coverage with More Choices Get ready for a different approach to health coverage with flexibility to choose a plan that fits your needs. This brochure explains the health coverage for Medicare-eligible
SHICK Senior Health Insurance Counseling For Kansas. Medicare Options
SHICK Senior Health Insurance Counseling For Kansas Medicare Options What is Medicare? Federal health insurance that covers some medical costs if you: Are age 65 or over Are under age 65 with some disabilities
MINDING THE GAPS: THE STATE OF COVERAGE TO SUPPLEMENT MEDICARE IN MASSACHUSETTS
MINDING THE GAPS: THE STATE OF COVERAGE TO SUPPLEMENT MEDICARE IN MASSACHUSETTS SEPTEMBER 2015 Nancy Turnbull Katherine Heflin Thanks to Kate Nordahl of the Blue Cross Blue Shield of Massachusetts Foundation
MENDOCINO COUNTY 2010 HEALTH CARE BENEFITS FOR MEDICARE-ELIGIBLE RETIREES AND DEPENDENTS Questions and Answers
MENDOCINO COUNTY 2010 HEALTH CARE BENEFITS FOR MEDICARE-ELIGIBLE RETIREES AND DEPENDENTS Questions and Answers Q. Why the change? A. Anticipated exhaustion of the retiree health reserves by the end of
Getting started with Medicare.
Getting started with Medicare. Medicare Made Clear TM Get Answers: Medicare Education Look inside to: Understand the difference between Medicare plans Compare plans and choose the right one for you See
New Health Coverage with More Choices
New Health Coverage with More Choices Get ready for a new approach to health coverage with more flexibility to choose a plan that fits your needs. Effective January 1, 2015, health care benefits offered
Office of the Actuary
DEPARTMENT OF HEALTH & HUMAN SERVICES Centers for Medicare & Medicaid Services 7500 Security Boulevard, Mail Stop N3-01-21 Baltimore, Maryland 21244-1850 Office of the Actuary DATE: March 25, 2008 FROM:
Napa County. Medicare Advantage Plans. (Medicare Part C Plans) Compliments of HICAP. (Health Insurance Counseling and Advocacy Program)
2015 Napa County Medicare Advantage Plans (Medicare Part C Plans) HICAP Volunteer Counselors are available to help compare health plans in an objective and unbiased manner. They can help consumers understand
MEDICARE BASICS WHAT TO KNOW AND WHAT TO EXPECT WITH MEDICARE
MEDICARE BASICS WHAT TO KNOW AND WHAT TO EXPECT WITH MEDICARE AGENDA What is original Medicare? The A, B, C, and D s of Medicare Enrollment periods Medicare Advantage star rating system Where you can find
IMRF-endorsed health insurance programs
IMRF-endorsed health insurance programs Read this booklet for information on choosing a health care plan endorsed by the IMRF Board of Trustees. This booklet also includes information about: Medicare Part
How Medicare Works. Helping you make the most of Medicare. MedicareBlue SM Rx (PDP) S5743_101415_B02_RE Internal Approval 11/12/2015
How Medicare Works Helping you make the most of Medicare 2016 MedicareBlue SM Rx (PDP) S5743_101415_B02_RE Internal Approval 11/12/2015 About Medicare Whether you re new to Medicare or want a refresher,
I welcome discussion and input from anyone else
Peter Hirsch 1 How many have looked at the new IBM ExtendHealth plans? Have you had an appointment and discussion with ExtendHealth? Have you decided on which plans to use for you and your family? The
Welcome to: Medicare and Social Security 101. Presented by: WGA s Retiree Solutions Team and WGA s Compliance Practice
Welcome to: Medicare and Social Security 101 Presented by: WGA s Retiree Solutions Team and WGA s Compliance Practice Introducing the webcast presenters: Alyssa Martin, Speaker Vice President Member of
Welcome to Kaiser Permanente
Welcome to Kaiser Permanente Presenting Medicare 101 and Kaiser Permanente Senior Advantage (HMO) Fresno Unified School District Yolanda Smith Retiree Consultant September 2014 Basics of Medicare What
Medicare Part D and You for 2013. (Individuals and Families)
Medicare Part D and You for 2013 (Individuals and Families) What is Medicare Part D? Drug coverage which helps you pay for the medicines you need if you do not have other prescription drug coverage Voluntary
Click this button to place your order.
Medicare 33rd Edition 2016 What you need to know about Medicare in simple, practical terms. Click this button to place your order. 2016 MEDICARE CONTENTS 1 2 3 4 5 6 Published By PAGE INTRODUCTION Are
for Health and Dental Coverage and Help Paying Costs
Member Booklet for Health and Dental Coverage and Help Paying Costs This is your member booklet for MassHealth, the Children s Medical Security Plan (CMSP), ConnectorCare Plans and Premium Tax Credits,