Getting Started with Medicare
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1 Getting Started with Medicare Advanced Medicare Training Medicare Made Clear Brought to you by UnitedHealthcare
2 This Medicare Counselor Training program was developed under a grant from UnitedHealthcare through a joint project with the National Association of Area Agencies on Aging (n4a). However, nothing in these educational materials shall imply an n4a endorsement of any kind regarding UnitedHealthcare or its products and services or those of any v Medicare Advantage, Medicare Prescription Drug or Medicare Supplement insurance plan. As a matter of practice, n4a does not endorse any insurance products or services.
3 Learning Objectives 1. Determine a person's current Medicare coverage 2. Learn about Medicaid and the qualifications to get assistance 3. Educate about additional benefits that Medicare covers 4. Answer common Medicare Part D questions 5. Understand the filing, appeal and grievance process
4 Medicare Questions 1. How can an individual determine what type of Medicare coverage they have? 2. How does age and retirement affect a person's Medicare choices? 3. What is the difference between Medicare and Medicaid? 4. How do I know if a consumer qualifies for assistance? 5. What are some additional benefits Medicare covers? 6. What are common Medicare Part D questions? 7. What is the process if someone needs to file an appeal and grievance?
5 QUESTION 1 How can an individual determine what type of Medicare coverage they have?
6 How can an individual determine what type of Medicare coverage they have? Original Medicare (Parts A & B) If an individual only uses their Medicare card issued by the federal government. Original Medicare + Medicare Supplement If an individual uses their Medicare card along with a card for Medicare supplement insurance that helps pay some of the expenses that Medicare doesn t. Original Medicare + Part D Plan If an individual has a Medicare card plus a separate drug plan card. A discount card for drugs does not mean they have a Part D plan. Original Medicare + Medicare Supplement + Part D Plan If an individual has three cards that include a Medicare card, a Part D drug plan card as well as a Medicare Supplement card that covers expenses Medicare doesn't cover. 1 COVERAGE
7 How can an individual determine what type of Medicare coverage they have? Medicare Advantage (Part C) Medical Only + Part D (included) If a member only uses a health plan card instead of their Medicare card from the federal government for medical and drug coverage. Medicare Advantage (Part C) Medical Only + Part D (separate) If a member uses a health plan card for their medical coverage and a second health plan card for their drug coverage expenses. 1 COVERAGE
8 True or False: Once you enroll in Medicare, you must give up any other health care coverage you have. 1 COVERAGE
9 True or False: Consumers can have a Medicare Advantage plan and a Medicare Supplement insurance plan. 1 COVERAGE
10 True or False: You can change your Medicare Advantage or prescription drug plan once a year during Medicare Open Enrollment, October 15 through December 7. 1 COVERAGE
11 QUESTION 2 How does age and retirement affect a person s Medicare choices?
12 How does age and retirement affect a person s Medicare choices? Retiring before 65: Retiree coverage Individual health insurance COBRA Retiring at 65: Medicare coverage Possible employer-sponsored coverage 2 CHOICES
13 True or False: When a person first enrolls in Medicare, it s a good idea for them to speak with their current health plan benefits administrator to see how their coverage may work with Medicare. 2 CHOICES
14 How does age and retirement affect a person s Medicare choices? Continuing to work after 65 Retiree plans may coordinate with Medicare Coverage if consumers keep working Retiring after 65 Eligible for a Special Enrollment Period (SEP) Coverage if consumers keep working Note: If consumers do not sign up during their Initial Enrollment Period (IEP), they may have to pay a penalty fee for as long as they are in Medicare if they do not have creditable coverage. 2 CHOICES
15 QUESTION 3 What is the difference between Medicare and Medicaid?
16 What is the difference between Medicare and Medicaid? Medicare A federal health insurance program for people who are: 65 or older Under 65 with certain disabilities Of any age and have End Stage Renal Disease (ESRD) Medicaid A joint federal and state program that helps pay health care costs for certain people and families with limited income and resources. Note: A person can be eligible for both Medicare and Medicaid. 3 PLANS
17 What is a Dual Special Needs Plan (DSNP)? Dual Special Needs Plan are a type of Medicare Advantage (Part C) plan designed for people with special needs. These plans combine hospital care and doctor s visits and other outpatient care in a single plan DSNPs provide focused and specialized health care for people who are eligible for both Medicaid and the Medicaid assistance program, sometimes called dual eligibles. Dual eligible individuals have the option to enroll or switch plans at any time of the year. DSNPs are run by private insurance companies. 3 PLANS
18 QUESTION 4 How do I know if a consumer qualifies for assistance programs?
19 How do I know if a consumer qualifies for assistance programs? Medicare Savings Program Helps people pay their Part A and Part B premiums, deductibles and co-insurance amounts Program of All-Inclusive Care for the Elderly (PACE) Combines medical, social and long-term care services for the frail elderly who live in and get their health care services in the community, not in a nursing home Prescription Drug Premium Assistance Programs Help people pay some or all of their Medicare Part D premiums and cost sharing, incudes the Extra Help or Low-Income Subsidy program 4 QUALIFICATION
20 How do I know if a consumer qualifies for assistance programs? Note: States set their own income eligibility levels, but the average is close to <XX>. Medicare Savings Programs Types of programs that help pay Parts A and B premiums, Who is eligible? States set their own income eligibility levels, but the average is close to $17,820 per year for an individual, or $24,030 for a married couple. Resources that count toward assets: Funds in a checking or savings account Stocks Bonds Resources that do NOT count toward assets: Their home A car Furniture and other household and personal items Burial plot Up to $1,500 in burial expenses Collectibles 4 QUALIFICATION
21 How do I know if a consumer qualifies for assistance programs? Medicare Savings Program Individual / Couple Monthly Income Limits* Individual / Couple Resources Limits* Qualified Medicare Beneficiary (QMB) Specified Low-Income Medicare Beneficiary (SLMB) Qualified Individual (QI) Qualified Disabled and Working Individual (QDWI) $1,010 / $1,355 $1,208 / $1,622 $1,357 / $1,823 $4,045 / $5,425 $7,280 / $10,930 $7,280 / $10,930 $7,280 / $10,930 $4,000 / $6,000 States set their own income eligibility levels. *Numbers are from QUALIFICATION
22 How do I know if a consumer qualifies for assistance programs? Qualified Medicare Beneficiary (QMB) QMB Only Requirements: Income and resources are within limits listed in chart Does not qualify for any additional Medicaid benefits QMB Plus Requirements: Income and resources are within limits listed in chart Qualifies for additional Medicaid benefits QMB Only pays for: Medicare premiums, deductibles, co-pays and co-insurance (not including Part D) QMB Plus pays for: Medicare premiums, deductibles, co-pays and co-insurance as well as benefits under the State Medicaid plan (not including Part D) 4 QUALIFICATION
23 How do I know if a consumer qualifies for assistance programs? Specified Low-Income Medicare Beneficiary (SLMB) SLMB Only Requirements: Income and resources are within limits listed in chart Does not qualify for any additional Medicaid benefits SLMB Plus Requirements: Income and resources are within limits listed in chart Qualifies for full Medicaid benefits SLMB Only pays for: Medicare Part B premium SLMB Plus pays for: Medicare Part B premium and qualifies for full Medicaid benefits 4 QUALIFICATION
24 How do I know if a consumer qualifies for assistance programs? Qualified Individual (QI) Requirements: Income and resources are within limits listed in chart QI Pays for: Medicare Part B premium. 4 QUALIFICATION
25 How do I know if a consumer qualifies for assistance programs? Qualified Disabled and Working Individual (QDWI) Requirements: Income and resources are within limits listed in chart QI Helps pay for: Medicare Part A premium for certain working disabled Medicare beneficiaries who have exhausted their entitlement to a premium-free Part A benefit. 4 QUALIFICATION
26 How do I know if a consumer qualifies for assistance programs? Extra Help or Low Income Subsidy (LIS) Full Subsidy Requirements: Individual / couple monthly income $1,357/$1,823 Individual / couple resources $8,780/$13,930 Partial Subsidy Requirements: Individual / couple monthly income $1,505/$2,023 Individual / couple resources $13,640/$27,250 LIS helps pay for: Some or all of a person s Medicare Part D premiums, deductibles and co-pays or co-insurance. 4 QUALIFICATION
27 True or False: Extra Help or Low Income Subsidy (LIS) helps pay for some or all of a person s Medicare Part B premiums, deductibles and co-pays or co-insurance. 4 QUALIFICATION
28 How do I know if a consumer qualifies for assistance programs? Other Full Benefit Dual Eligible (FBDE): Requirements: Meet State Medicaid/MSP financial eligibility Eligible for Medicaid either categorically or through optional coverage groups based on medically needy status, special income levels for institutionalized individuals or home and community-based waiver. States set their own income eligibility levels. FBDE may cover: The Part B premium, deductibles, co-pays and co-insurance (varies by state) and qualifies for full Medicaid benefits 4 QUALIFICATION
29 How do I know if a consumer qualifies for assistance programs? Program of All-Inclusive Care for the Elderly (PACE) PACE combines: Medical, social and long-term care services for frail elderly people who live in the community, not a nursing home States set their own income eligibility levels. 4 QUALIFICATION
30 QUESTION 5 What are some additional benefits of Medicare coverage? QUESTION 5 What are some additional benefits that Medicare covers?
31 What other benefits does Medicare covers? Durable Medical Equipment Medicare Part B covers doctor prescribed durable medical equipment for use at home, including: Braces (arm, leg, back and neck) Crutches Oxygen supplies and therapy Some diabetic supplies Therapeutic shoes or inserts Walkers Wheelchairs And more In order to qualify, medical equipment must be: Used for a medical reason Used in their home Durable (or long-lasting) Not useful for someone who isn t sick or injured The doctor or supplier needs to be enrolled in Medicare and accept the assignment. Note: Consumers will be responsible for the 20% co-insurance of the Medicare-approved amount. 5 BENEFITS
32 What other benefits does Medicare covers? Covered Original Medicare (Parts A and B) covers skilled nursing care and therapy, such as speech therapy or physical therapy, for the homebound Part B covers emergency transportation to a hospital, critical access hospital or skilled nursing facility when it is absolutely needed Not covered Dental, optical and hearing is not covered under Original Medicare (Parts A and B) For services that aren t covered, consumers need to get separate insurance from an insurance company or pay the full cost for the services. 5 BENEFITS
33 QUESTION 6 What are common questions about Medicare Part D?
34 What are common questions about Medicare Part D? What vaccines does Medicare cover? What drugs are covered under Part B versus Part D? How is the coverage gap changing? Flu: Part B covers a shot once per flu season in the fall and winter Shingles: Not covered under Parts A or B, but generally covered under Part D Pneumonia: Part B covers a shot once Hepatitis B: Covered by Part B Diphtheria, tetanus and whooping cough: Covered by Part B Part B covers some prescription drugs Examples include: Infused drugs Antigens Osteoporosis drugs Erythropoiesis (stimulating agents) Blood clotting factors Injectable drugs Oral ESRD Immunosuppressive drugs Oral anti-cancer and anti-nausea drugs Self-administered drugs in outpatient settings Patient Protection and Affordable Care Act (PPACA) is gradually reducing the coverage gap More than 1 million seniors and people with disabilities saved $687 million on prescription drugs in the donut hole It is expected that discounts will increase each year until the coverage gap closes. (Projected for 2020) 6 PART D
35 True or False: Medicare Part B covers flu, diphtheria, tetanus and whooping cough vaccines. 6 PART D
36 What are common questions about Medicare Part D? If a drug isn t covered, there are options: Change to Another Drug Transition Supply Step Therapy Prior Authorization Exception Member can ask their doctor or pharmacist if another drug on the formulary will work Member may be able to request a temporary supply of the drug Member may be required to try one or more similar drugs before the plan will cover the medication Approval from the health plan before the drug will be covered Member and doctor can ask the plan for an exception 6 PART D
37 QUESTION 7 What is the process if a person wants to file an appeal and grievance?
38 Tips on filing an appeal What's an appeal? An appeal is the action you can take if you disagree with a coverage or payment decision made by Medicare, your Medicare health plan, or your Medicare Prescription Drug Plan. Five Tips from Medicare on filing an appeal: 1. Gather information 2. Ask the plan for a fast decision 3. The plan will review its decision 4. Right to a immediate review 5. Right to a fast-track appeals process 7 APPEALS
39 What is the difference between hospital inpatient status and observation status? Hospital Inpatient Status: When a patient is formally admitted to a hospital with a doctor s order Covered under Medicare Part A and B Hospital Observation Status: When doctors don t know what care a patient may need but the patient is too sick to get care in the doctor s office Covered under Medicare Part B Viewed as outpatient care 7 APPEALS
40 Medicare with other health insurance: Who Pays First? Medicare is the primary payer if: The consumer is at least 65 years old, is still working, and is covered by a group health plan through an employer with less than 20 employees. The consumer is at least 65 and covered by a retiree health plan through a former employer (of any size). Payer: The party responsible for paying health care bills. 7 APPEALS
41 What are the differences between Medicare supplement plans? Benefits Covered Part A hospital coinsurance and 365 extra hospital days Plan A Plan B 10 Standard Medicare Supplement Plans Plan C Plan D Plan F* Plan G Plan K Plan L Plan M Plan N 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Part A deductible 100% 100% 100% 100% 100% 50%** 75%** 50% 100% Part B coinsurance or copays 100% 100% 100% 100% 100% 100% 50%** 75%** 100% 100% except certain co-pays*** Part B annual deductible 100% 100% Part B excess charges 100% 100% Note: *Plan F also comes in high-deductible version, under which you must pay for Medicare-covered costs Note: up * Plan to the F also deductible comes amount in a high-deductible of $2,180 in 2016 version, before under your which Medigap you must plan pay pays for anything. Medicare-covered **100% costs after you up to reach the deductible your yearly amount out-of-pocket of $2,180 limit in 2015 before your Medigap plan pays anything. ***$20 **100% copay for after doctor you visit reach and your $50 yearly copay out-of-pocket for ER visit. limit. ***$20 copay for doctor visit and $50 copay for ER visit. 7 APPEALS
42 What are the differences between Medicare supplement plans? (continued) Benefits Covered Cost of blood transfusion Plan A Plan B 10 Standard Medicare Supplement Plans Plan C Plan D Plan F* Plan G Plan K Plan L Plan M Plan N 100% 100% 100% 100% 100% 100% 50%** 75%** 100% 100% Cost of foreign travel emergency (up to the 80% 80% 80% 80% 80% 80% Hospice care Part B preventive care coinsurance Skilled nursing facility 100% 100% 100% 100% 100% 100% 50%** 75%** 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 50%** 75%** 100% 100% Yearly out-of-pocket limit (<2016>) No limit No limit No limit No limit No limit No limit $4,960 $2,480 No limit No limit Note: * Plan F also comes in a high-deductible version, under which you must pay for Medicare-covered Note: *Plan costs F also up to comes the deductible in high-deductible amount of version, $2,180 in under <2016> which before you must your pay Medigap for Medicare-covered plan pays anything. costs up **100% to the deductible after you reach amount your of yearly $2,180 out-of-pocket in 2016 before limit. your Medigap plan pays anything. **100%***$20 after you copay reach for doctor your yearly visit and out-of-pocket $50 copay limit for ER visit. ***$20 copay for doctor visit and $50 copay for ER visit. 7 APPEALS
43 QUESTIONS?
44 Thank You This Medicare Counselor Training program was developed under a grant from UnitedHealthcare through a joint project with the National Association of Area Agencies on Aging (n4a). However, nothing in these educational materials shall imply an n4a endorsement of any kind regarding UnitedHealthcare or its products and services or those of any Medicare Advantage, Medicare Prescription Drug or Medicare Supplement insurance plan. As a matter of practice, n4a does not endorse any insurance products or services. Copyright 2016 United Health Care Service, Inc. All rights reserved. No portion of this work may be reproduced or used without express written permission of United HealthCare Services, Inc., regardless of commercial or non commercial nature of the use. Not for distribution to retirees or beneficiaries. SPRJ22770 IR_160329_162019
This Medicare Counselor Training program was developed under a grant from UnitedHealthcare through a joint project with the National Association of
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