MEDICARE 101. Medicare 101. presented by Fairfax County s Virginia Insurance Counseling and Assistance Program (VICAP) Medicare 101 6/9/2015 1

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "MEDICARE 101. Medicare 101. presented by Fairfax County s Virginia Insurance Counseling and Assistance Program (VICAP) 2015. Medicare 101 6/9/2015 1"

Transcription

1 MEDICARE 101 presented by Fairfax County s Virginia Insurance Counseling and Assistance Program (VICAP) /9/2015 1

2 What Is Medicare? A health insurance program for people 65 years of age and older Under age 65 with certain disabilities With End-Stage Renal Disease (ESRD) Lou Gehrig s Disease (ALS- Amyotrophic lateral sclerosis ) Administered by the Centers for Medicare & Medicaid Services (CMS) 6/9/2015 2

3 Medicare Coverage Choices Original Medicare Part A, Part B, Part D and a Supplement, such as an employee retiree plan, a military retiree plan or an individual Medigap plan. OR Medicare Advantage a/k/a Medicare Part C Combines Part A, Part B and usually Part D No supplement plan allowed for uncovered costs! 6/9/2015 3

4 Medicare Coverage Basics 6/9/2015 4

5 Medicare Part A Most people receive Part A premium free due to working for ten years and contributed to system. People with less than 10 years of Medicare- covered employment Can still get Part A but will pay a premium! Less than 30 quarters = $407 monthly Between quarters = $224 monthly More information about Part A entitlement Call SSA at TTY users call Railroad Retirement Board (RRB) 6/9/2015 5

6 Part A Helps Pay for Hospital inpatient care Skilled nursing facility (SNF) care Home health care Hospice care Blood Be Aware of Observation Care Issue! Are you an inpatient or an outpatient? It matters, if you are discharged to a skilled nursing facility (SNF) for post-hospital rehabilitation or if you need any self-administered drugs during your stay. Alert your friends/family now to contact your doctor. 6/9/2015 6

7 Enrolling in Medicare Part B Automatic Enrollment if you receive early SS retirement or Social Security Disability! BUT, you must opt out of Part B if not wanted. Initial Enrollment Period (IEP) 7 months starting 3 months before month of eligibility Special Enrollment Period (SEP) May delay enrolling in Part B with no penalty if: Covered under employer or union group health plan Based on current/active employment Of beneficiary or spouse Sign up within 8 months after coverage ends 6/9/2015 7

8 Enrolling in Medicare Part B General Enrollment Period (GEP) January 1 through March 31 each year Coverage effective July 1 Premium penalty 10% for each 12-month period eligible but not enrolled in Part B. Paid for as long as the person has Part B Limited exceptions to penalty. If uncertain about which enrollment period is best review the rules on the SSA POMS page at: 6/9/2015 8

9 COBRA COVERAGE (Consolidated Omnibus Budget Reconciliation Act) If your employer had 20 or more employees, you may qualify to receive COBRA coverage, which essentially continues your recent employer health insurance for 18 months maybe longer. You pay your portion of the group health plan premium and the employer share, plus a 2% administrative fee. COBRA coverage will end once you become eligible for Medicare, but if you have Medicare prior to COBRA then you can keep your COBRA coverage until it expires. BUT, be aware that if you reach Medicare eligibility while on COBRA you must strongly consider enrolling in Part B when initially eligible or face a late enrollment penalty. COBRA is NOT considered group health insurance based on current employment allowing you to delay Part B without the associated late penalty. 6/9/2015 9

10 Part B Coverage Doctors services Outpatient medical/surgical services Diagnostic tests Outpatient therapy Outpatient mental health services Ambulance Services Getting a second opinion before surgery No cost sharing for most Medicare covered preventative health care services began Durable Medical Equipment: Changed effective July 2013!! 6/9/

11 Paying the Part B Premium Pay monthly Part B premium Most pay $ in 2015 Persons with higher income pay a higher premium You Pay If Your Yearly Income is Part B Single Married Couple $ Under $85,000 Under $170,000 $ $85,001-$107,000 $170,001-$214,000 $ $107,001-$160,000 $214,001-$320,000 $ $160,001-$214,000 $320,001-$428,000 $ Above $214,000 Above $428,000 6/9/

12 Paying the Part B Premium continued 6/9/

13 Preventive Benefits As of 2011 you can obtain an annual Wellness Exam and most other Part B preventive services free. Review the Medicare handbook for full details. Read the rules very carefully, especially about annual wellness visits it is not an annual physical!! Most preventive services no longer require payment of the Medicare deductible or 20% coinsurance. New in 2014: Abdominal Aortic Aneurysm Screening 6/9/

14 Durable Medical Equipment New competitive bidding program started in 2011 in nine areas of country, saving 42% in 1 st year! Round 2 of program started July 1, 2013 in 91 new areas, including the DC Metro area. Suppliers will submit bids for various equipment that must be lower than current costs. Beneficiaries must generally use such contracted suppliers. Items included in Round 2 include oxygen; walkers; wheelchairs; CPAP devices; hospital beds; support surfaces; enteral nutrients; negative pressure wound therapy pumps; and mail order diabetic supplies. 6/9/

15 Original Medicare Go to any provider that accepts Medicare People are responsible for Part A in 2015 $1,260 deductible for hospital stays up to 60 days Additional costs per day after 60 days: $315/$630 Different costs for other Part A services Part B in 2015 $147 annual deductible 20% coinsurance for most Part B services Works best with a Medicare supplement plan. Some subsidy programs may help with costs. 6/9/

16 Supplemental Insurance Health insurance policy Sold by private insurance companies Costs vary by plan, company and location Must say Medicare Supplement Insurance Covers gaps in Original Medicare It is sometimes called Medigap coverage Covers deductibles, coinsurance & copayments Does not work with Medicare Advantage Plans Up to 10 standardized plans A N Except in Massachusetts, Minnesota, Wisconsin Plan F is best and costs about $135+ month at age 65 in /9/

17 People can buy any Medigap policy Supplemental Insurance Within 6 months of enrolling in Part B, though very costly for those under age 65 and on Medicare due to a disability. It is very expensive if under age 65, but you get a new set of options when you reach age 65 with much lower costs. If they lose certain kinds of health coverage through no fault of their own ie the plan goes bankrupt. If they leave a MA Plan under certain circumstances: For example, you move from their service area. Two 12 Month Trial Periods: One at age 65 and one by dropping Medigap to test drive Medicare Advantage for the 1 st time at any age. 6/9/

18 Supplemental Insurance Other Supplemental Insurance Types Retiree Coverage from a former employer. Government retirees, federal, state or county. Military Coverage, such as Tricare for Life. 6/9/

19 Federal Retiree Options Federal workers and retirees have many good plan options: Can switch plans every open season without underwriting. Retirees with Medicare can change plans once in their lifetime outside of open season per OPM regulations use it wisely! Blue Cross/Blue Shield offers limited 10 day SNF care other plans offer no SNF coverage. SNF = Skilled Nursing Facility. See Checkbook Guide to Health Plans for Federal Employees. The guide costs $9.95 and can be found at most book stores or at Compare federal health plans at 6/9/

20 Federal Retiree Options Part B or Not Part B, That is the Question! Our experience is that 75% of retirees still enroll in Part B. When enrolled in Part B the PPO plans, and a few HMO plans, waive all deductibles and coinsurance or copay amounts. The annual base Medicare premium is about $1,260. Medicare Part B usually does not save you as much money as you may spend on your Part B premiums, per Checkbook, but are you rolling dice in Vegas or planning for health care? Do you have fire insurance and/or LTC insurance? Why? Consider all options and late enrollment costs before deciding. If there were an easy answer the question would not be asked! 6/9/

21 Medicare Advantage (MA) Plans Health Maintenance Organization (HMO) Plans Some have Point-of-Service option Preferred Provider Organization (PPO) Plans Private Fee-for-Service (PFFS) Plans Special Needs Plans (see Medicare handbook) Cost Plans (Kaiser Permanente) Allowed to still use Medicare coverage under Kaiser! Only 5 Star Plan in our locality Can no longer use Inova hospitals except emergencies. 6/9/

22 Eligibility for MA Plans Live in plan s service area Enrolled in Medicare Parts A & B Continue to pay Part B premium May also pay monthly premium to plan, as required Cannot have ESRD at enrollment, but can still remain in such a plan if diagnosed after joining or if your current MA plan ends their participation. 6/9/

23 How MA Plans Work Get all Part A and B services through plan Use providers in plan s network Benefits and cost sharing may differ from Original Medicare Must still pay Part B premium **May get extra benefits Maybe not! Vision, hearing, dental services Prescription drug coverage Does not cover the 20% for some Part B services. Still in Medicare program Get all Part A and Part B services Have Medicare rights and protections 6/9/

24 MA Disenrollment Beginning in 2011 there is a new Medicare Advantage Disenrollment Period (MADP). This period of time, from January 1st to February 14 th, allows a person who is unsatisfied with their Medicare Advantage plan to switch back to Original Medicare. They can also add a Medicare Part D plan at that time, even if their MA plan did not cover medications. The effective date is the 1 st of the following month. 6/9/

25 Medicare Prescription Drug Coverage Medicare Part D Available to all people with Medicare Provided through Medicare Prescription Drug Plans Medicare Advantage Cost Plans, such as Kaiser Special Needs Plans Some employers and unions now switching to MA plans. 6/9/

26 Enrollment Periods Initial Enrollment Period (IEP) 7 months Starts 3 months before month of eligibility Annual Coordinated Election Period (AEP) October 15th through December 7th Can drop or switch coverage Effective January 1 of following year Special Enrollment Period (SEP) When you lose your employer-based coverage (63 days) 6/9/

27 Late Enrollment People who wait to enroll may pay penalty Add 1% of national base premium ($33.15 in 2015) for each month eligible but not enrolled The 1% penalty will equal 33 cents for each month Must pay the penalty as long as enrolled in a Medicare drug plan Unless they have other coverage at least as good as Medicare drug coverage Creditable coverage Penalty is held in suspense if receiving any subsidies 6/9/

28 Prescription Drug Plan Costs Costs vary by plan In 2015 members may pay Monthly premiums averaging $49.60 Annual deductible, no more than $320 Copayments or coinsurance Very little after $4,700 out-of-pocket Plan information and costs available MEDICARE ( ) 6/9/

29 Extra Help With Drug Costs: SSA Low Income Subsidy Program Available for many people with limited income and resources Income limit in 2015 $1,471/month (one person) $1,991/month (married couple) Resource limit in 2015 $13,640 (one person) $27,250 (married couple) Apply at 6/9/

30 Extra Help With Drug Costs People with lowest income and resources Pay no premiums or deductibles Have small or no copayments Those with slightly higher income and resources Pay no or a reduced premium Have a reduced deductible Pay a little more out of pocket 6/9/

31 Eligibility for Extra Help Who may automatically qualify People with Medicare who get Full Medicaid benefits (Duals) Supplemental Security Income (SSI) Help from Medicaid paying Medicare premiums (Medicare Savings Program: QMB, SLMB & QI-1) Others must apply and qualify See Web page. 6/9/

32 Medicaid Joint Federal and state program For some people with limited income and resources If eligible, most health care costs covered Eligibility determined by state Application processes vary Office names vary Social Services Family Services Human Services 6/9/

33 Other Savings Programs Medicare Savings Programs (MSP) Help from Medicaid paying Medicare expenses QMB, SLMB, and QI-1 For people with limited income and resources May also pay deductibles and coinsurance All three help lower out-of-pocket drug costs State-specific programs PACE (Program of All-Inclusive Care for the Elderly) must meet nursing home level of care and are already a dual eligible client. In Fairfax County, only at Olley Glen. 6/9/

34 MSP Programs Qualified Medicare Beneficiary (QMB): Maximum monthly income of $1,001 (1) or $1,348 (2),with assets of no more than $8,660 or $13,750. If eligible, Medicaid pays your secondary Medicare costs such as deductibles and coinsurance. You will likely need to be treated by physicians who accept both Medicare and Medicaid to avoid the 20% coinsurance. QMB may also pay the Medicare A & B premiums. It also provides a drug plan subsidy. 6/9/

35 MSP Programs Specified Low-Income Medicare Beneficiary (SLMB): Pays only Medicare Part B premium. Maximum monthly income of $1,197 (1) or $1,1613 (2). Maximum assets of $8,660 or $13,750. Qualified Individual 1 (QI-1): Pays only Medicare Part B premium. Maximum monthly income of $1,345 (1) or $1,813 (2). Maximum assets of $8,660 or $13,750. Both programs also provide a drug plan subsidy. 6/9/

36 Health Insurance Marketplace Part of the Affordable Care Act (ACA), it provides a one-stop shopping center to explore insurance options. You can compare insurance options based on price, benefits, quality and other features. The initial open season began on November 15, 2014, with plans effective on January 1, Open Enrollment Period is November 15, 2014 February 15, There will be online navigation sites and in-person assisters to help you make an informed decision. Visit or call to learn more about this program. Locally, call or If eligible for Medicare then excluded from ACA plans. 6/9/

37 6/9/

38 MEDICARE APPEALS The following are the five steps of an Original Medicare appeal process: 1. Redetermination.120 days to file the appeal. 2. Reconsideration 180 days to file the appeal. 3. Administrative Law Judge Review 60 days to file the appeal. 4. Medicare Appeals Council 60 days to file the appeal. 5. Judicial Review 60 days to file the appeal. For More Info: 6/9/

39 Senior Medicare Patrol~ FRAUD! Educates persons with Medicare to take an active role in detecting & preventing health care fraud & abuse. In Virginia, contact in Richmond. If you suspect fraud, first contact the medical provider to determine if a mistake was made. You might qualify for a reward if you meet certain conditions. For additional information please go to: 6/9/

40 For More Information MEDICARE ( ) TTY = VA Medigap Premium Charts Medicare & You Handbook or Social Security: or SSA POMS Fairfax County SHIP~VICAP: Medicare For Dummies by Patricia Barry 6/9/

Welcome to Medicare! Module 1A

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

More information

Medicare 2014. Medicare 101 Agenda

Medicare 2014. Medicare 101 Agenda 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

More information

Employer Insurance & Medicare

Employer Insurance & Medicare 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

More information

I wanted to understand the Medicare program basics. This presentation really helped.

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?

More information

MEDICARE BASICS WHAT TO KNOW AND WHAT TO EXPECT WITH MEDICARE

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

More information

Making the most of Medicare

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

More information

(800) 827-9990. HealthMarkets.com

(800) 827-9990. HealthMarkets.com (800) 827-9990 HealthMarkets.com Contents 4 Medicare: What is it? 6 Diving into Medicare Parts 9 Medicare Supplement Insurance: Medigap 11 How to Pick a Medicare Policy 12 Enrolling in Medicare 16 Special

More information

Michigan Medicare/Medicaid Assistance Program (MMAP) MPCA - October 2015

Michigan Medicare/Medicaid Assistance Program (MMAP) MPCA - October 2015 Michigan Medicare/Medicaid Assistance Program (MMAP) MPCA - October 2015 MMAP The Michigan Medicare/Medicaid Assistance Program (MMAP) is a free service that helps Medicare beneficiaries make informed

More information

Medicare and Employer-Based Coverage T he Basics

Medicare and Employer-Based Coverage T he Basics Medicare and Employer-Based Coverage T he Basics What is Medicare? A federal health insurance program Run by the Centers for Medicare and Medicaid Services (CMS) Benefit decisions controlled by the U.S.

More information

Faculty Alabama State Health Insurance Assistance Program and Medicare 101

Faculty Alabama State Health Insurance Assistance Program and Medicare 101 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

More information

Health Insurance Options for Immigrants to USA. February 8, 2015 By Fairfax County VICAP Program

Health Insurance Options for Immigrants to USA. February 8, 2015 By Fairfax County VICAP Program Health Insurance Options for Immigrants to USA February 8, 2015 By Fairfax County VICAP Program 1 OVERVIEW There are options for health care for new immigrants to the USA. We will discuss each option in

More information

What You Need to Know About SSDI and Medicare

What You Need to Know About SSDI and Medicare 1 What You Need to Know About SSDI and Medicare Tai Venuti, MPH Adrienne Muralidharan April 18, 2012 Welcome 2 Today we ll cover: History of SSDI SSDI process Evaluating spinal/musculoskeletal claims Awards

More information

The Federal Employees Health Benefits Program and Medicare

The Federal Employees Health Benefits Program and Medicare 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

More information

HEALTH INSURANCE OPTIONS FOR PEOPLE ON MEDICARE DUE TO DISABILITY

HEALTH INSURANCE OPTIONS FOR PEOPLE ON MEDICARE DUE TO DISABILITY 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

More information

Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare

Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare CENTERS FOR MEDICARE & MEDICAID SERVICES 2009 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare This official government guide has important information about the following:

More information

Chapter 5. Medicare Parts A, B, C, and D

Chapter 5. Medicare Parts A, B, C, and D INTRODUCTION In this chapter we will discuss the federal Medicare program. Enacted in 1965, the Medicare program is Title XVIII of the Social Security Act. Medicare is a federal health program that provides

More information

Medicare, VA Health Benefits and TRICARE: What You Need to Know

Medicare, VA Health Benefits and TRICARE: What You Need to Know Medicare, VA Health Benefits and TRICARE: What You Need to Know MMW Coalition Webinar July 31, 2015 AgeOptions 2015. All rights reserved. Who We Are: MMW Leadership AgeOptions Area Agency on Aging (AAA)

More information

What s Medicare? What are the different parts of Medicare?

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

More information

Medicare Benefits. As of 2012, approximately 50 million people were Medicare beneficiaries.

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

More information

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. 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,

More information

Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare

Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare CENTERS FOR MEDICARE & MEDICAID SERVICES 2014 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare This official government guide has important information about: Medicare Supplement

More information

Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare

Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare CENTERS FOR MEDICARE & MEDICAID SERVICES 2011 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare This official government guide has important information about the following:

More information

The Pennsylvania Insurance Department s. Your Guide to Choosing a MEDIGAP POLICY. Understanding Medigap

The Pennsylvania Insurance Department s. Your Guide to Choosing a MEDIGAP POLICY. Understanding Medigap 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

More information

Choosing a Medigap Policy:

Choosing a Medigap Policy: CENTERS FOR MEDICARE & MEDICAID SERVICES 2010 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare This official government guide has important information about the following:

More information

MEDICARE PARTS A, B, AND C

MEDICARE PARTS A, B, AND C MEDICARE PARTS A, B, AND C B A S I C B E N E F I T S T R A I N I N G E L D E R B E N E F I T S P R O G R A M S F E B R U A R Y 2 5, 2 0 1 5 D O N N A M C C O R M I C K M E D I C A R E A D V O C A C Y P

More information

Choosing a Medigap Policy:

Choosing a Medigap Policy: CENTERS FOR MEDICARE & MEDICAID SERVICES 2015 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare This official government guide has important information about: Medicare Supplement

More information

MEDICARE. Understanding the basics of the Medicare Program.

MEDICARE. Understanding the basics of the Medicare Program. MEDICARE 101 Understanding the basics of the Medicare Program. Table of Contents 01. 05. 13. 17. 25. 29. The History of Medicare What is Medicare? Who is Eligible? Medigap Plans Medicare Advantage (MA)

More information

Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare

Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare CENTERS FOR MEDICARE & MEDICAID SERVICES 2013 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare This official government guide has important information about: What is a Medicare

More information

By Christina Crain, MSW. Director of Programs

By Christina Crain, MSW. Director of Programs 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

More information

Health insurance is often confusing. Medicare Part A, Part B,

Health insurance is often confusing. Medicare Part A, Part B, Medicare WHAT YOU NEED TO KNOW 2015 A publication of the Senior Health Insurance Information Program Contents 2 What is Medicare? Part A and Part B 3 2015 Medicare Benefit Chart What is covered and what

More information

What is a Medicare Advantage Plan?

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

More information

Overview of Health Insurance Options for Medicare-Eligible Members

Overview of Health Insurance Options for Medicare-Eligible Members 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

More information

Choosing A Medigap Policy

Choosing A Medigap Policy Choosing A Medigap Policy 2002 Guide To Health Insurance For People With Medicare For People in the Original Medicare Plan This Guide has easy steps to help you buy Medicare Supplement Insurance. Developed

More information

Medigap (Medicare Supplement Insurance)

Medigap (Medicare Supplement Insurance) Medigap (Medicare Supplement Insurance) Lessons Original Medicare Coverage (gaps) Medigap Basics Buying a Medigap Policy 2010 What is New Medigap Plans Medigap Rights and Protections Information Sources

More information

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? 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

More information

This Medicare Counselor Training program was developed under a grant from UnitedHealthcare through a joint project with the National Association of

This Medicare Counselor Training program was developed under a grant from UnitedHealthcare through a joint project with the National Association of 1 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

More information

Guide to Medicare. Supplement Insurance. Medicare Options and Part D. This guide: John Kasich Governor

Guide to Medicare. Supplement Insurance. Medicare Options and Part D. This guide: John Kasich Governor Guide to Medicare Supplement Insurance Medicare Options and Part D This guide: Describes when and how to apply for Medicare Describes the prescription drug benefit Explains options for health plans used

More information

Choosing a Medigap Policy:

Choosing a Medigap Policy: CENTERS FOR MEDICARE & MEDICAID SERVICES 2015 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare This official government guide has important information about: Medicare Supplement

More information

Medicare At A Glance. State Health Insurance Assistance Program (SHIP)

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

More information

Understanding Medicare Enrollment Periods

Understanding Medicare Enrollment Periods TIP SHEET Understanding Medicare Enrollment Periods Revised November 2011 Knowing when you can get Medicare can sometimes be confusing. This tip sheet is designed to help you learn more about enrollment

More information

Medicare Basics and Medicare Advantage

Medicare Basics and Medicare Advantage 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

More information

Understanding Medicare Enrollment Periods

Understanding Medicare Enrollment Periods TIP SHEET Understanding Medicare Enrollment Periods Revised September 2009 Medicare can sometimes seem like a confusing maze of requirements and deadlines. This tip sheet is designed to help you navigate

More information

Medigap Insurance 54110-0306

Medigap Insurance 54110-0306 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

More information

Medicare Explained (For the rest of us!) A plain English version

Medicare Explained (For the rest of us!) A plain English version 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

More information

A Guide to Understanding Medicare Benefits

A Guide to Understanding Medicare Benefits Private Wealth Management Products & Services A Guide to Understanding Medicare Benefits Medicare is a social insurance program created under the Social Security Act of 1965 as signed by President Lyndon

More information

Module: 3 Medigap (Medicare Supplement Insurance)

Module: 3 Medigap (Medicare Supplement Insurance) Module: 3 Medigap (Medicare Supplement Insurance) Inside front cover. Module 3: Medigap (Medicare Supplement Insurance) Policies Contents Contents Introduction... 1 Session Objectives... 2 Lesson 1: What

More information

Contact Social Security

Contact Social Security 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

More information

Your complimentary Medicare Guidebook

Your complimentary Medicare Guidebook 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

More information

Understanding Medicare Module 1

Understanding Medicare Module 1 DEPARTMENT OF HEALTH & HUMAN SERVICES CENTERS FOR MEDICARE & MEDICAID SERVICES Understanding Medicare Module 1 helping people with Medicare make informed health care decisions 2011 Workbook THIS PAGE INTENTIONALLY

More information

Medicare Made Clear. Helping your employees and volunteers understand Medicare.

Medicare Made Clear. Helping your employees and volunteers understand Medicare. Medicare Made Clear Quick Reference Guide Helping your employees and volunteers understand Medicare. Medicare helps nearly 50 million older and disabled Americans save on their health care expenses. But

More information

Medicare 101 Massachusetts Health Care Training Forum

Medicare 101 Massachusetts Health Care Training Forum Medicare 101 Massachusetts Health Care Training Forum What is Medicare? Health insurance for three groups of people 65 and older Under 65 with certain disabilities Any age with End-Stage Renal Disease

More information

2006 Choosing a Medigap Policy:

2006 Choosing a Medigap Policy: CENTERS FOR MEDICARE & MEDICAID SERVICES 2006 Choosing a Medigap Policy: A Guide to Health Insurance for People With Medicare This official government guide can help you Learn what a Medigap (Medicare

More information

Understanding Medicare Enrollment Periods

Understanding Medicare Enrollment Periods TIP SHEET Understanding Medicare Enrollment Periods Revised February 2011 Knowing when you can get Medicare can sometimes be confusing. This tip sheet is designed to help you learn more about enrollment

More information

Medicare: An Overview

Medicare: An Overview Medicare: An Overview Presented by Elaine Wong Eakin Project Manager This special regional educational effort is supported by funding provided by the California HealthCare Foundation Our Focus is dedicated

More information

2014 National Training Program. Wo r k b o o k. Module: 3 Medigap (Medicare Supplement Insurance)

2014 National Training Program. Wo r k b o o k. Module: 3 Medigap (Medicare Supplement Insurance) 2014 National Training Program Wo r k b o o k Module: 3 Medigap (Medicare Supplement Insurance) Module Description Centers for Medicare & Medicaid Services National Training Program Instructor Information

More information

Your complimentary Medicare Guidebook

Your complimentary Medicare Guidebook Learn Protect Assess Enroll Your complimentary Medicare Guidebook Learn Original Medicare... 4 Medicare Prescription Drug Coverage.............. 6 Medicare Supplement Insurance... 8 Medicare Advantage...

More information

How to be a smart shopper for Medigap Insurance

How to be a smart shopper for Medigap Insurance 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

More information

Medicare, Medicaid, and CHIP

Medicare, Medicaid, and CHIP Medicare, Medicaid, and CHIP CMS National Training Program April 2013 Session Topics 1. Introduction to Medicare 2. Medicaid and new eligibility group 3. Children s Health Insurance Program (CHIP) 2 What

More information

Napa County. Medicare Advantage Plans. (Medicare Part C Plans) Compliments of HICAP. (Health Insurance Counseling and Advocacy Program)

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

More information

Answer: A description of the Medicare parts includes the following:

Answer: A description of the Medicare parts includes the following: Question: Who is covered by Medicare? Answer: All people age 65 and older, regardless of their income or medical history are eligible for Medicare. In 1972 the Medicare program was expanded to include

More information

The A, B, C & D s of Medicare GeorgiaCares

The A, B, C & D s of Medicare GeorgiaCares 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

More information

Understanding your. Medicare options. Medicare Made Clear TM. Get Answers Series. Y0066_120629_084915 CMS Accepted

Understanding your. Medicare options. Medicare Made Clear TM. Get Answers Series. Y0066_120629_084915 CMS Accepted Understanding your Medicare options. Medicare Made Clear TM Get Answers Series Y0066_120629_084915 CMS Accepted learning about Medicare Choices. Eligibility Coverage options When to enroll Next steps and

More information

Celebrating 65 (SM) Your Road to Retirement

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....................

More information

Medicare and People with End Stage Renal Disease (ESRD)

Medicare and People with End Stage Renal Disease (ESRD) 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

More information

Information for Individuals who Qualify for. Medicare Only

Information for Individuals who Qualify for. Medicare Only Information for Individuals who Qualify for Medicare Only How to enroll in Medicare An individual can only enroll into Medicare Parts A and B during certain times: Initial Enrollment Period (3-1-3): o

More information

Overview Medicare Program Basics. Part 1

Overview Medicare Program Basics. Part 1 Overview Medicare Program Basics Part 1 Version 9.0 June 22, 2015 Terms and Conditions This training program is protected under United States Copyright laws, 17 U.S.C.A. 101, et seq. and international

More information

Medicare has four components, Part A, Part B Part C and Part D:

Medicare has four components, Part A, Part B Part C and Part D: 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

More information

SHICK Senior Health Insurance Counseling For Kansas. Medicare Options

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

More information

Health Insurance Beyond Medicare

Health Insurance Beyond Medicare Chapter 3 Health Insurance Beyond Medicare John J. Campbell, Esq. Law Offices of John J. Campbell, P.C. Michele M. Lawonn, Esq., P.T., C.A.P.S. Medical-Legal Advocates, LLC 3-1. Know Medicare Gaps SYNOPSIS

More information

Medicare Part D Prescription Drug Coverage

Medicare Part D Prescription Drug Coverage Medicare Part D Prescription Drug Coverage GENERAL INFORMATION Coverage Medicare Part D coverage is available to everyone enrolled in Medicare Drug plans are offered by insurance companies and other private

More information

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 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

More information

Health insurance options for people with disabilities

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

More information

Medicare and Medicaid: What You Need to Know

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

More information

08/19/2015. Understanding Medicare Enrollment Periods. Session Objectives. Lesson 1 Medicare Enrollment Overview

08/19/2015. Understanding Medicare Enrollment Periods. Session Objectives. Lesson 1 Medicare Enrollment Overview Understanding Medicare Enrollment Periods Information for those who counsel people with Medicare August 2015 Session Objectives This session will help you explain enrollment periods for Medicare Parts

More information

Assembling the Puzzle. Welcome!

Assembling the Puzzle. Welcome! 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

More information

MEDICARE 101 A Webinar presented by Keenan & Associates and Kaiser Permanente

MEDICARE 101 A Webinar presented by Keenan & Associates and Kaiser Permanente 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

More information

Understanding 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

More information

Medicare Enrollment Periods

Medicare Enrollment Periods 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

More information

*Fairfax County s *Virginia Insurance Counseling and Assistance Program (VICAP) 2015

*Fairfax County s *Virginia Insurance Counseling and Assistance Program (VICAP) 2015 *Fairfax County s *Virginia Insurance Counseling and Assistance Program (VICAP) 2015 1 Virginia Insurance Counseling and Assistance Program (VICAP) o In Fairfax County government: Pennino Bldg., Suite

More information

2016 Evidence of Coverage for Passport Advantage

2016 Evidence of Coverage for Passport Advantage 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

More information

U.S. Railroad Retirement Board www.rrb.gov MEDICARE. For Railroad Workers and Their Families

U.S. Railroad Retirement Board www.rrb.gov MEDICARE. For Railroad Workers and Their Families U.S. Railroad Retirement Board www.rrb.gov MEDICARE For Railroad Workers and Their Families U.S. Railroad Retirement Board Mission Statement The Railroad Retirement Board s mission is to administer retirement/survivor

More information

Massachusetts Bulletin for People with Medicare

Massachusetts Bulletin for People with Medicare DEVAL L. PATRICK Governor Tel: (617) 727-7750 Fax: (617) 727-9368 TIMOTHY P. MURRAY TTY/TTD 1-800-872-0166 Lieutenant Governor www.mass.gov/elder JENNIFER DAVIS CAREY Secretary Massachusetts Bulletin for

More information

Medicare. What you need to know. Choose the plan that s right for you GNHH2ZTHH_15

Medicare. What you need to know. Choose the plan that s right for you GNHH2ZTHH_15 Medicare What you need to know Choose the plan that s right for you GNHH2ZTHH_15 Choosing a Medicare plan is a lot like buying a car. There are lots of options to consider. And what s right for you may

More information

Understanding Medicare Part C & D Enrollment Periods Revised October 2012

Understanding Medicare Part C & D Enrollment Periods Revised October 2012 TIP SHEET Understanding Medicare Part C & D Enrollment Periods Revised October 2012 It s important to know when you can enroll in the different parts of Medicare. This tip sheet is designed to help you

More information

Medicare Part D: 2010. Presented by: Howard Houghton Virginia Insurance Counseling & Assistance Program (VICAP)

Medicare Part D: 2010. Presented by: Howard Houghton Virginia Insurance Counseling & Assistance Program (VICAP) Medicare Part D: 2010 Presented by: Howard Houghton Virginia Insurance Counseling & Assistance Program (VICAP) 1 The Basics Medicare Part D is available to all Medicare beneficiaries regardless of their

More information

Retiree Considerations Medicare 101. June 26, 2012

Retiree Considerations Medicare 101. June 26, 2012 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

More information

Understanding Medicare Part C & D Enrollment Periods

Understanding Medicare Part C & D Enrollment Periods TIP SHEET Understanding Medicare Part C & D Enrollment Periods Revised August 2014 Enrollment in Medicare is limited to certain times. You can t always sign up when you want, so it s important to know

More information

Solutions for Today Flexibility for Tomorrow.

Solutions for Today Flexibility for Tomorrow. Solutions for Today Flexibility for Tomorrow. Medicare Products and Services For More Information call our Senior Care Specialist, Raun Lynch at 856.380.5079 Or visit us on the web at www.cbdi-inc.com

More information

2015 Evidence of Coverage

2015 Evidence of Coverage 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

More information

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? 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)

More information

Contacting Social Security Visit our website www.socialsecurity.gov Call our toll-free number 1-800-772-1213 1-800-325-0778

Contacting Social Security Visit our website www.socialsecurity.gov Call our toll-free number 1-800-772-1213 1-800-325-0778 Medicare Contacting 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

More information

Medicare and Other Health Benefits: Your Guide to

Medicare and Other Health Benefits: Your Guide to CENTERS FOR MEDICARE & MEDICAID SERVICES Medicare and Other Health Benefits: Your Guide to Who Pays First This official government booklet tells you How Medicare works with other types of insurance or

More information

MEDICARE MYSTERY. Taking the OUT OF. Your how-to guide for finding the right plan for your needs

MEDICARE MYSTERY. Taking the OUT OF. Your how-to guide for finding the right plan for your needs 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

More information

HARBOR ADVANTAGE (HMO) H7960-002-2015 Accepted

HARBOR ADVANTAGE (HMO) H7960-002-2015 Accepted HARBOR ADVANTAGE (HMO) H7960-002-2015 Accepted IMPORTANT This presentation is for the exclusive use of Authorized Plan Representatives of Harbor Advantage (HMO). Harbor Health Plan is an HMO plan with

More information

Health insurance options for people with disabilities

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

More information

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 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

More information

Cabrillo College Retiree Benefits and Medicare Frequently Asked Questions

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?...

More information

Medicare 101 Guide Your Guide to Medicare Basics

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

More information

Presented by: Teresa R. Banda Benefits Counselor Lead Specialist Health Information, Counseling and Advocacy Program Bexar Area Agency on Aging Alamo

Presented by: Teresa R. Banda Benefits Counselor Lead Specialist Health Information, Counseling and Advocacy Program Bexar Area Agency on Aging Alamo Presented by: Teresa R. Banda Benefits Counselor Lead Specialist Health Information, Counseling and Advocacy Program Bexar Area Agency on Aging Alamo Area Council of Governments San Antonio, Texas Types

More information

Welcome to Kaiser Permanente

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

More information