1 Assembling the Puzzle Welcome! Thank you for joining us. The webinar will start momentarily. If you have not yet dialed in to the audio portion of the webinar, please click on Info Tab above, and follow the instructions in the box. License No Innovative Solutions. Enduring Principles.
2 Assembling the Puzzle Medicare 101 & Kaiser Permanente Senior Advantage Karyn Goodsite, Sr. Account Manager Sylvia Weathers, Sr. Service Representative Keenan & Associates Guest Speaker: Maria Harlan, Medicare Retiree Consultant Kaiser Permanente License No Innovative Solutions. Enduring Principles.
4 License No Innovative Solutions. Enduring Principles.
5 Group Medicare Lesson One: The Basics of Medicare 5
6 What is Medicare? Federally funded national health program that pays for Seniors Disabled Individuals with end-stage renal (kidney) disease (ESRD) Part of President Lyndon Johnson s Great Society Initiative Signed into law in 1965 Administered by the Centers for Medicare & Medicaid Services (CMS) 6
7 Medicare eligibility Beneficiaries include: Seniors: Individuals 65 or older If they or their spouse are eligible for Social Security Disabled: Individuals under 65, but disabled If eligible for Social Security disability After two-year waiting period Individuals with end-stage renal disease (ESRD) After diagnosis 7
8 Closer look at Medicare Part A Purpose: Provides inpatient insurance Hospital, Skilled Nursing Facility (SNF), Hospice, Home Health Eligibility Cost First day of the month that retiree turns 65 Two years after becoming disabled Soon after renal dialysis begins No premium if beneficiary or spouse have worked 40 quarters of Medicare-covered employment If beneficiary worked less than 40 quarters, monthly premium, set by Medicare formula 8
9 Closer look at Medicare Part B Purpose: Provides outpatient insurance Physician services (inpatient and outpatient), outpatient surgery, lab, radiology, durable medical equipment (DME), dialysis, etc. Enrollment Optional plan: Individuals responsible for their own enrollment Enroll with Social Security Administration Individuals can enroll over a 7-month period that starts 3 months before their 65th birthday 9
10 Closer look at Medicare Part B Monthly premium, usually deducted from Social Security Premium goes up 10% for each 12-month period that individual declines coverage Known as Late Enrollment Penalty (LEP) Not imposed if individual continues to work for, and receives his or her health coverage from, a Group plan of 20 or more eligibles If initial enrollment is missed, they can enroll during Medicare s Open Enrollment Period (January 1 to March 31 with coverage effective July 1 In 2009, Part B premium will range from $96.40 to $308.30, depending on income Most beneficiaries will continue to pay $
11 2009 Monthly Premiums for Medicare Part B You Pay If Your Yearly Income is Single Married Couple $96.40 $85,000 or less $170,000 or less $ $85,001-$107,000 $170,001-$214,000 $ $107,001-$160,000 $214,001-$320,000 $ $160,001-$213,000 $320,001-$426,000 $ Above $213,000 Above $426,000 You Pay If You Are Married but You File a Separate Tax Return From Your Spouse and Your Yearly Income is $96.40 Under $85,000 or less $ $85,001-$128,000 $ Above $128,000 11
12 When to purchase Medicare Part B Option 1 A person over 65 actively working can postpone purchasing Part B until they decide to retire. There would be no Late Enrollment Penalty (LEP) if the member postpones enrollment in Part B due to primary coverage through an employer group. Option 2 A person, still working, can purchase Part B. This is where Medicare becomes secondary payer. This person does not assign their Medicare to Kaiser Permanente, instead uses providers that accept Medicare. This may be more expensive for the individual. Option 3 A person still working, can purchase Part B. This is where Medicare becomes secondary payer. But this time the person assigns their Medicare over to Kaiser Permanente and enrolls in the Senior Advantage plan. This person will be still be designated as "active" paying the active rates under the Working Aged contract option. This will result in richer benefits such as $0 copayments. 12
16 Medicare Advantage (aka Medicare Part C) Legislation: Balanced Budget Act (BBA) of 1997 Purpose: Expanded the role of managed care plans Created private plan options for how beneficiaries receive Medicare coverage Option One: Original Medicare Plan through the Centers for Medicare & Medicaid Services (CMS) Option Two: Original Medicare Plus Medicare Supplement Plans Medigap Option Three: Through a private insurer plan, such as an HMO These plans were first known as Medicare Risk plans Then renamed Medicare + Choice plans Today they are known as Medicare Advantage plans 16
17 65, retired, has Medicare A & B Option 1: Original Medicare: I can go to any doctor, specialist that accepts Medicare. (Deductibles and Coinsurance apply) Option 2: Original Medicare plus Medicare Supplement Plans (Medigap): I can go to any doctor, specialist that accepts Medicare and purchase Medigap Plans A-L to help pay for my deductibles and coinsurances. Option 3: Medicare Advantage (Part C) Plans: I can assign my Medicare to private companies approved by Medicare (i.e. HMO, PPO, PFFS). How am I going to use my Medicare?
18 Medicare Part C: Relationship between CMS and Medicare Advantage plans MA plans are at risk plans, as opposed to cost plans that are guaranteed to be paid their costs CMS pays the insurer a monthly capitation Based on the beneficiary s county of residence Amount is adjusted over time, based on: Fee-for-service national per capita growth rates update the county rates Payments to plans based on their bids relative to the county rates In order for the insurer to be paid capitation by CMS, the member must exclusively assign his or her benefits to the insurer Member is locked into the plan s providers. CMS will not pay any other provider for this member 18
19 Medicare Part D Legislation: Medicare Modernization Act (MMA) of 2003 Purpose: Provides outpatient prescription drug coverage This prescription drug benefit became available to eligible individuals beginning January 1, Options for enrollment in Part D: Private insurer plan, like Kaiser Permanente Prescription Drug Plan (PDP): A new plan type (created by the legislation) that offers prescription drugs only Unlike Parts A and B, members enroll in Part D directly with the plan, not CMS 19
20 Enrollment in Part D Periods when members are eligible for initial enrollment: Age-in: When member turns 65 (7-month period) Late Enrollment Penalty (LEP) Like Part B, beneficiaries must obtain Part D as soon as they are eligible or be charged a penalty LEP is 1% per month that enrollment is deferred 20
21 Low-income subsidy (LIS) - extra help For those with limited income and resources Provides help with Part D premiums and outpatient drug copayments Degree of help depends on income and resources Additional facts about LIS: Apply at Social Security or through CMS Administered by the member s plan, for CMS Beneficiaries must be enrolled in a Part D plan to receive assistance 21
22 Group Medicare Lesson Two: Kaiser Permanente Senior Advantage 22
23 Medicare Plans and Products Kaiser Permanente Senior Advantage (KPSA) KPSA for Groups KPSA for Individuals 23
24 Kaiser Permanente Senior Advantage Kaiser Permanente s offering for the Medicare Advantage (MA) program enabled by Part C May be offered with a Part D component (MA-PD) Available to both Group and Individual Plan members Individual Plan members must have Parts A and B to join Group Plan members must have Parts A and B to join. Some Group plans will accept members with Part B only entitlement Members must reside in a CMS-approved service area 24
25 Senior Advantage: CMS Reimbursement Members lock-in their benefits with KP Assign their Medicare benefits to KP KP at risk for all medical services CMS pays a monthly capitation to KP Member Carrier CMS Reimbursement Kaiser Permanente $ Monthly capitation, based on: Demographic characteristics Diagnosis history Location 25
26 Group Medicare Lesson Three: Age-in Campaign 26
27 Age-in strategy Our campaign includes a series of six mailings that are sent over the year between members 64 th and 65 th birthdays. Both individual and group plan members are targeted. 27
28 64 years old When Kaiser Permanente members turn 64, we send them a birthday card wishing them good health. We use this opportunity to introduce the Senior Advantage name and to let members know that they ll be hearing from us. 28
29 64 and 4 months At 64 and 4 months, members receive a letter and a fact sheet that introduce them to Medicare and to our Senior Advantage plan. 29
30 64 and 7 months At 64 and 7 months, members are sent a self-mailer that lists key information about Medicare, and highlights the advantages of staying with Kaiser Permanente. We also send a handy refrigerator magnet with our phone number, so details are only a phone call away. 30
31 64 and 9 months: complete enrollment packet At 64 and 9 months (the age at which most members can enroll in Medicare), members receive a complete Senior Advantage enrollment packet, specific to their service area or employer / trust fund plan benefits. Our staff of Senior Advantage Conversion Specialists follow up by phone to make sure members who want to enroll do so in time. 31
32 THANK YOU Maria Harlan Medicare Retiree Consultant Kaiser Permanente For further information, please contact your Keenan & Associates Representative 32
33 Assembling the Puzzle Kaiser Permanente Monthly Medicare Activity Report License No Innovative Solutions. Enduring Principles.
34 Assembling the Puzzle Kaiser Monthly Medicare Activity Report Examples of changes that can impact premiums are: Change From: Change To: Impact: Under age 65 Under age 65 Retired over age 65 enrolled in Senior Advantage Over age 65 retired enrolled in Senior Advantage Over age 65 retired not enrolled in Senior Advantage Retired over age 65 disenrolled from Senior Advantage Lower Senior Advantage premium Higher over age 65, non- Medicare premium Higher over age 65, non- Medicare premium **For customers who have composite premiums, the number of over 65 non-medicare retirees will affect premiums at renewal. License No Innovative Solutions. Enduring Principles.
35 MONTHLY MEDICARE ACTIVITY REPORT PID: XXXXXXXXX Enrollment Unit(s): All Section 1 SUMMARY OF MEMBER STATUS CHANGES Section 2: MEMBERS CURRENTLY IN THE SENIOR ADVANTAGE SOLICITATION PROCESS 13 Members turning age 64 years and 9 months next month 2 Members turning age 64 years and 10 months next month 2 Members turning age 64 years and 11 months next month 5 Members turning age 65 years next month 4 Section 3A: NEWLY ENROLLED MAPD SENIOR ADVANTAGE MEMBERS 11 Section 3B: NEWLY ENROLLED MAPD SENIOR ADVANTAGE MEMBERS WITH PART D LATE ENROLLMENT 0 PENALTY Section 3C: MAPD SENIOR ADVANTAGE MEMBERS NEWLY ENTITLED TO LOW INCOME SUBSIDY 0 Section 3D: NEWLY ENROLLED MA SENIOR ADVANTAGE MEMBERS 0 Section 3E: NEWLY ENROLLED DOUBLE COVERED NON PLAN OF RECORD COMMERCIAL MEMBERS ERS 0 Section 4: MEMBERS WHO HAVE NOT ENROLLED IN SENIOR ADVANTAGE 6 Section 5: SENIOR ADVANTAGE DENIALS AND SENIOR ADVANTAGE COST DISENROLLMENTS 6 Section 6: DECEASED MEMBERS 0 Section 7: MEMBERS AGE 64 YEARS AND 10 MONTHS LIVING OUTSIDE OF THE KAISER PERMANENTE CALIFORNIA 0 SERVICE AREA Section 8: MEMBERS WHO HAVE TURNED 65 LIVING OUTSIDE OF THE KAISER PERMANENTE CALIFORNIA 0 SERVICE AREA Section 9: MEMBERS OVER 65 NOT ENROLLED IN A MEDICARE PLAN 93 Section 10: PART D LATE ENROLLMENT PENALTY MEMBERS 0 Section 11: LOW INCOME SUBSIDY MEMBERS 2 Section 12: DOUBLE COVERED NON PLAN OF RECORD COMMERCIAL MEMBERS 1 License CONFIDENTIAL No Innovative Solutions. Enduring Principles. Monthly Medicare Activity Report: Page 1 of 22 Thursday, August 6, :32:22 PM
36 Assembling the Puzzle Kaiser Monthly Medicare Activity Report Section 9 MEMBERS OVER 65 NOT ENROLLED IN A MEDICARE PLAN PID: XXXXXXXXXX Enrollment Unit(s): All ACTION REQUIRED: This is a comprehensive list of all members over the age of 65 who are not enrolled in a Medicare plan (including members appearing in Sections 4, 5, 6 and 8 of this month s report). The customer will continue to incur the over 65, non-medicare premium for retired members. Retired members can enroll in a Medicare plan, or the customer can terminate their membership or pay the substantially increased premium. Please verify working status shown. If a member continues to work for the customer after age 65, there will be not impact on the customer s premium. Enrl Unit Name Date of Birth Age Street City State Zip Phone Member MRN Deceased OOA Part Working Status Empoyee SSN Employee Name License No Innovative Solutions. Enduring Principles.
37 Assembling the Puzzle Medicare 101 & Kaiser Senior Advantage Questions? License No Innovative Solutions. Enduring Principles.
38 Assembling the Puzzle Information & Resources or Medicare ( ) Health Insurance Counseling & Advocacy Program (HICAP) Kaiser Permanente Conversion Specialist Team Kaiser Permanente Senior Advantage Member Services License No Innovative Solutions. Enduring Principles.
39 Assembling the Puzzle Medicare 101 & Kaiser Senior Advantage Disclaimer ~ Keenan & Associates is an insurance brokerage and consulting firm. It is not a law firm or an accounting firm. We do not give legal advice or tax advice and neither this presentation, the answers provided during the Question and Answer period, nor the documents accompanying this presentation constitutes or should be construed as legal or tax advice. You are advised to follow up with your own legal counsel and/or tax advisor to discuss how this information affects you. License No Innovative Solutions. Enduring Principles.
40 Thank you for your participation! Innovative Solutions. Enduring Principles. License No Innovative Solutions. Enduring Principles.
MEDICARE 101 A Webinar presented by Keenan & Associates and Kaiser Permanente Sylvia Weathers Service Consultant Keenan & Associates Nancy C. Voltero Retiree Programs Consultant Kaiser Permanente License
Kaiser Permanente Guide to Medicare Basics The National Medicare program, which was created in 1965, has given people peace of mind and the security of knowing they ll have access to health coverage. Medicare
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
Overview of Health Insurance Options for Medicare-Eligible Members The following pages offer general descriptions of the types of plans offered to CTPF retirees who are eligible for and maintain active
FACT SHEET Medicare and People with End Stage Renal Disease (ESRD) (I-002) p. 1 of 7 Medicare and People with End Stage Renal Disease (ESRD) If you have end stage renal disease (ESRD) or permanent kidney
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
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
January 1 December 31, 2015 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Molina Medicare Options Plus HMO SNP This booklet gives you the
FACT SHEET Medicare Enrollment Periods (A-008) p. 1 of 5 Medicare Enrollment Periods There are certain periods when you can join, change or drop the different parts of Medicare (A, B, C, and D). In other
CALIFORNIA Medicare and Kaiser Permanente Senior Advantage (KPSA) contents Introduction...Page 3 Medicare overview...page 3 Medicare eligibility...page 4 How to enroll in Medicare...Page 4 Kaiser Permanente
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,
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
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
Learn Protect Assess Enroll Your complimentary Medicare Guidebook About this Guidebook If you or someone you care for is new to Medicare or will be soon, this Guidebook will help make Medicare easier to
Vermont Blue 65 SM Coverage for Vermonters with Medicare 2016 Medicare Supplemental Products Group Brochure An independent, local Vermont company Three smart steps to quality health care after retirement:
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
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
The Federal Employees Health Benefits Program and Medicare This booklet answers questions about how the Federal Employees Health Benefits (FEHB) Program and Medicare work together to provide health benefits
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
By Christina Crain, MSW Director of Programs What we ll cover Medicare Eligibility Medicaid Eligibility Medicare Parts A, B, C and D New Improvements to Medicare under ACA The Medicare Savings Programs
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
Medicare What is Medicare? Medicare is a National Health Insurance Program for people 65 years of age and older Certain persons with disabilities under the age of 65 People with end stage renal disease
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?...
Molina Medicare Options Plus HMO SNP Member Services Method Member Services Contact Information CALL (800) 665-1029 Calls to this number are free. 7 days a week, 8 a.m. to 8 p.m., local time. Member Services
Medigap Insurance Overview A summary of the insurance policies to supplement and fill gaps in Medicare coverage. How to be a smart shopper for Medigap insurance Medigap policies Medigap and Medicare prescription
Medicare Contact Social Security Visit our website Our website, www.socialsecurity.gov, is a valuable resource for information about all of Social Security s programs. At our website you also can: Apply
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
Prescription Drug Plan (PDP) Blue Shield of California Medicare Rx Plan (PDP) Evidence of Coverage Effective January 1, 2015 Blue Shield of California is a PDP with a Medicare contract. Enrollment in Blue
Medicare 2014 What s Important in 2014 Medicare 101 Agenda What is Medicare? How do I enroll? When can I sign up? What if I am still working? What does Medicare cost? Let s talk about Medicare Coverage
January 1 December 31, 2016 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Advantra Silver (HMO) This booklet gives you the details about
Employer Insurance & Rights Center The Rights Center is a national, notfor-profit consumer service organization that works to ensure access to affordable health care for older adults and people with disabilities
C Office of Employer and Member Health Services P.O. Box 942714 Sacramento, CA 94229-2714 (888) CalPERS 225-7377 Telecommunications Device for the Deaf - 916-795-3240 FAX 916-795-1277 September 15, 2009
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
Date: October 21, 2015 Presenter: Jim Cale and Laurie Daniels Laurie: Welcome to Medicare and Your CalPERS Health Benefits webinar. Jim: In this webinar, we ll cover information you may need to know regarding
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
FACT SHEET Supplementing Medicare: Your Rights to Purchase a Medigap Policy (B-005) p. 1 of 5 Supplementing Medicare: Your Rights to Purchase a Medigap Policy This fact sheet describes your rights to purchase
Briefing Paper for the Cape Cod Municipal Health Group Parts of Medicare Medicare Supplement Plans Medicare Advantage Plans Medicare Part D Plans, Employer Group Waiver Plans (EGWPs) Medicare Secondary
Produced by & Not affiliated with any Government Agency A Brief History of Medicare Medicare is a national social insurance program, administered by the U.S. federal government since 1965, that guarantees
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
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
2016 Evidence of Coverage For more recent information or other questions, please contact Provider Partners Health Plan at 1-800-405-9681 or, for TTY users, 711, from 8 a.m. to 8 p.m. Monday through Friday,
Information provided by NYS Civil Service Medicare for Disability Retirees - September 2007 For employees of New York State agencies who are awarded a Disability Retirement Disability Retirees Must Enroll
Molina Medicare Options Plus HMO SNP Member Services CALL (866) 440-0012 Calls to this number are free. 7 days a week, 8 a.m. to 8 p.m., local time. Member Services also has free language interpreter services
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.
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
HEALTH INSURANCE OPTIONS FOR PEOPLE ON MEDICARE DUE TO DISABILITY io n a He Pro gram Seniors SHIIP lth at Ins urance Inform North Carolina Department of Insurance Seniors Health Insurance Information Program
MEDICARE 101 presented by Fairfax County s Virginia Insurance Counseling and Assistance Program (VICAP) 2015 6/9/2015 1 What Is Medicare? A health insurance program for people 65 years of age and older
2015 MAP TO MEDICARE H2461 101314 T01 CMS Accepted 10/21/2014 S5743 101414 K01 MN CMS Accepted 10/21/2014 MAP TO MEDICARE What is Medicare?...1 Part A: Hospital coverage...2 Part B: Medical coverage....3
Piedmont WellStar Medicare Choice (HMO) offered by Piedmont WellStar HealthPlans, Inc. Annual Notice of Changes for 2015 You are currently enrolled as a member of Piedmont WellStar Medicare Choice HMO.
Taking the MYSTERY OUT OF MEDICARE Your how-to guide for finding the right plan for your needs S6506_071015_B01a CMS Accepted 08/15/2015 H0302_565_2016 CMS Accepted 08/15/2015 An independent licensee of
Medicare, Social Security & Health Savings Accounts January 30, 2014 Today s Discussion Medicare Basics What is Medicare? Medicare Parts A & B Medicare Eligibility/Definitions Medicare & Health Savings
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
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
FACT SHEET Supplementing Medicare: Your Rights to Purchase a Medigap Policy (B-005) p. 1 of 6 Supplementing Medicare: Your Rights to Purchase a Medigap Policy This fact sheet describes your rights to purchase
The A, B, C & D s of Medicare GeorgiaCares Atlanta Regional Commission, Area Agency on Aging Applying for Medicare Initial Enrollment Period Apply 3 months before age 65, the month of 65 th birthday, or
January 1 December 31, 2014 Evidence of Coverage Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Kaiser Permanente Senior Advantage (HMO) This booklet gives you
Kaiser Permanente Senior Advantage Essential Plus plan (HMO) offered by Kaiser Foundation Health Plan, Inc., Hawaii Region Annual Notice of Changes for 2015 You are currently enrolled as a member of Kaiser
DeanCare Gold Basic (Cost) offered by Dean Health Plan Annual Notice of Changes for 2016 You are currently enrolled as a member of DeanCare Gold Basic (Cost). Next year, there will be some changes to the
Medicare Advantage HMOs Medicare Advantage HMOs are managed care plans that have contracts with Medicare. These HMOs are also called MA HMOs. If you are in one, you will get your Medicare services through
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
NYS and PE Retirees May 2006 Medicare & NYSHIP Important Health Insurance Information for Retirees, Vestees, Dependent Survivors, Preferred List Enrollees and their Enrolled Dependents covered under the
Faculty Alabama State Health Insurance Assistance Program and Medicare 101 Susan Segrest Community Based Services Division Chief Central Alabama Aging Consortium A Training on Basic Medicare and the Alabama
Medicare Basics and Medicare Advantage Medicare The federal health insurance program for people age 65 and over, some disabled people under 65 years of age, and people with End-Stage Renal Disease (permanent
Retiree Considerations Medicare 101 June 26, 2012 Agenda Goal: Present information regarding Medicare and related products to assist you in evaluating options Key Topics: Eligibility Rules Enrollment Rules
Your Guide to Choosing a MEDIGAP POLICY Understanding Medigap Medigap is private health insurance designed to help pay healthcare costs that aren t covered by Medicare. Each Medigap plan covers different
2016 Evidence of Coverage for Passport Advantage EVIDENCE OF COVERAGE January 1, 2016 - December 31, 2016 Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Passport
Your UC Medical Plan Coverage Post Retirement Sue Forstat UCSF Health Care Facilitator Manager, UCSF Health Care Facilitator Program 2015 Retiree Health Care Eligibility Retiree Health Care Eligibility:
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
Medicare & Senior Advantage Guide for Retiring Physicians Medicare Basics Medicare is a federal health insurance program that pays for hospital and medical care for: Individuals who are age 65 or older
TIP SHEET Information Partners Can Use on: Medicare Basics: Frequently Asked Questions As of October 2006 What is Medicare? Medicare is health insurance for people age 65 or older, under age 65 with certain
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
Allegian Advantage (HMO) H8554_001-2015 Accepted IMPORTANT This presentation is for the exclusive use of Allegian Advantage (HMO) Allegian Health Plans is an HMO plan with a Medicare contract. Enrollment
Martin s Point Generations Advantage Frequently Asked Questions Be sure to review the Medicare & You handbook from Medicare. If you haven t received it yet, you can visit www.medicare.gov and request a
January 1 December 31, 2014 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of First Choice VIP Care (HMO-SNP) This booklet gives you the details
2015 Evidence of Coverage Akamai Advantage Complete Plus (PPO) HMSA Akamai Advantage An Independent Licensee of the Blue Cross and Blue Shield Association H3832_1127_15_AA_Complete_Plus Accepted January
Wisconsin Guide to Health Insurance for People with Medicare 2015 For more information on health insurance call: MEDIGAP HELPLINE 1-800-242-1060 This is a statewide toll-free number set up by the Wisconsin
evidence of coverage Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Blue Shield 65 Plus Choice Plan (HMO) Los Angeles (partial) and Orange counties January 1 December
info sheet Medicare is the basic federal health insurance for older persons and for younger people with disabilities. Because Medicare has gaps in coverage, many people also buy a Medigap policy to supplement
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