MEDICARE: You ve earned It. Make the most of it.

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "MEDICARE: You ve earned It. Make the most of it."

Transcription

1 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 2 NOT A MEDICARE EXPERT? NO PROBLEM a UWB 09/13 S5617_14_9883 CMS Accepted

2 SECTION 1 MEDICARE. PLAIN AND SIMPLE. Each person s health is as individual and unique as they are. At Cigna, we get that. That s why we created this handy guide. In it, you ll find answers to all your Medicare questions from understanding the differences between the plans themselves to knowing what to ask yourself when shopping for a plan, when to enroll and where to go for extra financial help. It s all here in plain and simple language so you can easily find the Medicare plan that best fits your unique health care needs. Do you qualify for Medicare? Generally, you re eligible if:* You or your spouse worked for at least 10 years in Medicare-covered employment You re 65 years or older If you re under 65, you can get Part A without having to pay premiums if you have: Received Social Security or Railroad Retirement Board disability benefits for 24 months End-stage renal disease and meet certain requirements * Other eligibility limitations may apply depending on certain situations. For more information, visit medicare.gov. 2 of 11

3 Enrollment There are three types of enrollment periods: 1. Initial Coverage Enrollment Period (ICEP) The initial enrollment period occurs when you turn 65 years of age. Enrollment for the initial period, is from three months before to three months after your 65th birthday. If you are younger and qualify for Medicare due to a disability or other special circumstances, Medicare may work differently for you. Check with your local Social Security Administration offce, or call to confirm your initial enrollment with Medicare. Learn more at 2. Special Enrollment Period (SEP) Due to special situations, you may be able to enroll, switch, or drop out year-round if you: Lose insurance through an employer Move into or out of a plan service area Gain or lose eligibility for Medicaid Qualify for or have a change to, Low Income Subsidy (LIS) Live in a long-term care facility Qualify for a Special Needs Plan (SNP) Are on Medicare Disability and turning 65 Are on a plan that is being removed. 3. Annual Enrollment Period (AEP) ALL Medicare beneficiaries can enroll, switch, or drop out during this time: October 15 December 7. Coverage begins January 1 and will continue for the calendar year. Open enrollment: Tuesday, October 15, 2013 Saturday, December 7, of 11

4 The A, B, C, Ds of Medicare. Original Medicare (Medicare pays 80% and you pay 20%) Part A: Hospital Insurance Hospital stays Skilled nursing facility Hospice care Some home health care Once you turn 65, you re automatically enrolled in Medicare Part A. Most people don t have to pay a premium for Part A because they, or their spouse, paid Medicare taxes while working. Part B: Medical Insurance Medical services Outpatient care Medical items Covered preventive services Medicare pays: 80% of approved charges Beneficiary Pays: 20% of approved charges Part B is optional because you have to pay a monthly premium and satisfy a deductible before Medicare will pay benefits. Part C: Medicare Advantage Plans Combine Part A and Part B in one plan Often also include Part D (prescription drug coverage) These plans are part of the government s Medicare program, but are offered and managed through private insurers and may offer plan extras not found in Original Medicare. You must be enrolled in Medicare Parts A and B to join. Part D: Prescription Drug Coverage Help lower prescription drug costs All plans must offer at least a standard level of coverage set by Medicare Some Medicare Advantage plans offer built-in prescription drug coverage Part D plans are part of the government s Medicare program, but they re offered and managed through approved private insurers. Medigap or Medicare Supplement Insurance A Medigap policy is private health insurance that supplements Original Medicare. It helps pay for the 20% of health care costs (gaps) that Original Medicare doesn t cover. Helps pay some costs (copays, coinsurance and deductibles) that Original Medicare doesn t cover Only works with Original Medicare Medicare Supplement insurance cannot be used with Medicare Advantage plans, but can be used with Prescription Drug plans 4 of 11 To learn more about Medicare, visit medicare.gov.

5 Donut hole coverage The Medicare Part D Prescription Drug Plan Coverage Gap In 2014, if you have a stand-alone Medicare Part D plan, and you and your plan pay more than $2,850 in total prescription drug costs in one year, you fall into the coverage gap, or donut hole. Once you reach this level, you begin paying a larger part of your prescription drug costs until total costs reach $4,550 for the year. After that, the plan pays most of the cost. Over time, the Patient Protection and Affordable Care Act health care reform legislation changes what you pay in the donut hole, and requires drug manufacturers to provide discounts by 2020 Brand-name Generic Brand-name Generic medications medications medications medications you ll pay 47.5% you ll pay 72% you ll pay 25% you ll pay 25% You ll pay only 47.5% of the You ll pay only 25% cost of your brand-name drugs for brand-name and (improved from paying 50% generic drugs. in 2012), while the amount you ll pay for generic medications will also be reduced to 72% of the cost of these drugs. Typically, generic drugs are less expensive than brand-name drugs even after discounts. The amount you pay for brand-name and generic drugs in the coverage gap will be based on your plan. Those who receive Extra Help from the government already have coverage through the coverage gap. $ Why generic drugs make cents. When it comes to your health, only the best will do. Generic drugs are safe and effective alternatives to brand-name drugs. In fact, they have the same active ingredients, dosage and quality as their brand-name counterparts. But, there is one big difference between the two: cost. Typically, generics are less expensive than brand-name drugs; sometimes, much less. According to the U.S. Federal Drug Administration (FDA), generics can be 30% to 80% less expensive than their brand-name versions. The FDA approves new generic drugs each month. For details, go to fda.gov and search for new generic drug approvals. And talk with your doctor to see if there are generic alternatives to the brand-name drugs you currently take. 5 of 11 Source: Krames Staywell, 2012

6 Medicare and staying well. Welcome to Medicare preventive visit Once you enroll in Medicare Part B, you can get this free introductory Welcome to Medicare preventive visit. This visit includes a medical and social history review, routine measurements, vision testing and a plan to help inform you on which screenings, shots and other preventative services you may need. This visit is only available to new Medicare Part B participants and is covered one time (within the first 12 months of signing up for Medicare Part B). You don t need to have this visit to be covered for your annual Wellness visits. Free annual wellness visit and prevention plan If you ve had Medicare Part B for longer than 12 months, you can get a free annual Wellness visit to develop or update your personalized prevention plan to help you stay healthy. This visit includes: a medical and family history review, provider and prescription update, routine measurements, cancer and diabetes screenings and more. This visit is covered once every 12 months (11 full months must have passed since the last visit). Who s eligible? Anyone enrolled in Original Medicare is eligible for the one-time Welcome to Medicare visit and the annual Wellness visits. What s the cost? If you re currently enrolled in Original Medicare, you pay nothing for these visits if your doctor or other qualified health care provider accept assignment.* However, if your doctor or health care provider performs additional tests or services during the same visit that aren t covered under these preventive benefits, you may have to pay coinsurance and your Part B deductible may apply. *Assignment is an agreement by your doctor, health provider, or supplier to be paid directly by Medicare, or accept the amount Medicare approves for the service and not bill you for any more than the Medicare deductibles and coinsurance. For an additional resource to learn more about Medicare, visit ncoa.org, the National Council on Aging website. Located in Washington, D.C., this nonprofit service and advocacy agency has a focused mission to improve the lives of all older Americans. 6 of 11

7 SECTION 2 NOT A MEDICARE EXPERT? NOT A PROBLEM. Just because you re almost 65 or older doesn t mean you re suddenly an expert on Medicare. The fact is, Medicare is complicated. But don t let not knowing every detail stop you from making smart decisions about your future care. Know yourself. Know your options. When comparing the different plans available, be sure to consider what s important to you. There s a lot to think about, so ask yourself the following questions. The answers may help point you in the right direction: How s your health? Are you in good health or do you have chronic conditions? Do you take prescription drugs regularly and if so, which ones? Are they brand name or generic? How much are you spending for them? How does health care fit into your budget? Will you qualify for financial help? How much are you able to spend each year on premiums or copays? What s your level of patience for paperwork? What doctors do you visit? How often do you see them? Would you be willing to see a new doctor, if necessary? Do you travel? Inside the U.S. or internationally? How much did you spend on medical care last year? This can help provide an estimate for what next year s costs might be. 7 of 11

8 Explore your options It s never too early to start shopping for your plan. If you have coverage through your employer, talk with your benefits or human resources manager about your options. There are many other resources available including the Medicare website medicare.gov, the annual Medicare & You handbook, your State Health Insurance Assistance Program (SHIP), the Social Security Administration and more. Nine out of 10 seniors are satisfied with their Medicare prescription 90 % drug coverage (Part D). And 84% report their out-of-pocket drug costs would be much higher without it.* * HRC Research and Medicare Today, October Know where to go for financial help When it comes to choosing the right plan, help is available. But did you know you can also get financial help, if you qualify? Extra financial assistance to help cover the costs of Medicare is available for individuals with lower incomes. If you think you might qualify, apply as soon as possible. It can take several months to process your application. You ll want to find out quickly if you re eligible, and how much help you could receive. Original Medicare (Parts A and B) or Medicare Advantage Plan (Part C) financial help Medicare may help pay Original Medicare (Parts A and B) or Medicare Advantage Plans (Part C): Premium Deductibles Coinsurance Copays Part D Prescription Drug Plan Extra Financial Help Income levels to qualify: Up to <amount> in yearly income (<amount> for a married couple) Up to <amount> in assets (<amount> for a married couple) Medicare Extra Help will help pay for: Premium Deductibles Coinsurance Copays To find out how to apply for financial help, call: MEDICARE ( ), 24 hours a day/7 days a week. TTY users call The Social Security offce at , 7 am to 7 pm, weekdays. TTY users call Your state Medicaid offce. 8 of 11

9 Choosing the right plan for you Medicare offers many choices. You ll need to compare your needs to what s available. The following three scenarios offer examples of the types of plans available and the reasons why they may be a good fit. Remember: costs may vary. Meet John John just turned 65 and retired. He s in good shape, but takes a daily prescription drug to keep his high blood pressure under control. John takes good care of himself and is careful to live within his budget. John s wish list Access to a full range of health care services, including preventive care Coverage that provides a safety net in case of a serious illness Access to specialists if he needs them; he s comfortable with sticking to choices in a plan s network Access to prescription drug coverage, in case he needs to take more drugs later John s choice Medicare Advantage Plan (an HMO type). To qualify for this plan, John must also have Medicare Part A and Part B Features One ID card that covers hospital stays, doctor visits, medications, urgent care clinics and emergency room visits Less paperwork Potential extras, such as a free fitness program Built-in prescription drug benefit Network of local doctors and hospitals No need for a Medigap plan 9 of 11

10 Meet Anne Anne is turning 65 in three months and has started researching Medicare plans. Since she spends a lot of time out of state visiting children and grandchildren, she needs a plan that can travel with her. Anne is fairly healthy, although she takes a drug to keep her bones strong and another drug to keep her cholesterol down. Anne s wish list Access to doctors and hospitals when she s out of state visiting her children Help with paying for her prescription drugs Peace of mind knowing that she ll have significant help paying for her drug costs if they re large Anne s choice Medicare Part A and Part B (Original Medicare) Stand-alone Medicare Part D Prescription Drug Plan Medigap plan (Medicare supplement insurance) through a private insurance company Features Access to doctors and hospitals throughout the United States Medicare Part D coverage for the drugs she takes Help with her Part A and Part B costs through her Medigap plan Meet Rita Rita will be 65 next month. She s been working part-time since her husband passed away several years ago, but her income is limited. Rita has heart disease, so she sees a heart specialist regularly and takes a blood-thinning medicine every day. She does not feel she can afford the premiums for a Medigap (Medicare Supplement insurance) policy. Rita s wish list Health care at an affordable price Access to her trusted doctors Coverage for her prescription drugs Rita s choice Medicare Part A and Part B (Original Medicare) Stand-alone Medicare Part D Prescription Drug Plan Features Access to the doctors and hospitals she uses now The possibility of help with her Part D Prescription Drug Plan premiums and cost sharing if she qualifies for low-income assistance 10 of 11

11 Don t delay. Apply for Medicare as soon as you become eligible. You can enroll in a Medicare plan from three months before to three months after your 65th birthday or Special Enrollment Period, if you qualify. After you enroll, you ll have an opportunity to switch plans once a year during the Annual Enrollment period without penalty. Cigna, Cigna Medicare Services, Cigna Medicare Rx (PDP), the Tree of Life logo and GO YOU are registered service marks of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its operating subsidiaries. All products and services are provided by or through such operating subsidiaries, including Cigna Health and Life Insurance Company (CHLIC), and not by Cigna Corporation. Cigna Medicare Rx is a PDP plan with a Medicare contract. Enrollment in Cigna Medicare Rx depends on contract renewal. All models are used for illustrative purposes only. 11 of a UWB 09/ Cigna. Some content provided under license.

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

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

It s Time for Medicare

It s Time for Medicare It s Time for Medicare med-waageinbook-1214 Medicare What you need to know. You re turning 65. Or you re already 65 and getting ready to retire and lose your healthcare coverage. You re almost ready for

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

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

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

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

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

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

Medicare Made Clear Answer Guide

Medicare Made Clear Answer Guide Medicare Made Clear Answer Guide Y0066_100820_113217 File & Use 08252010 Medicare can be confusing. How do you find the best options to fit your needs? This guide has some answers that may be helpful.

More information

Getting started with Medicare.

Getting started with Medicare. Getting started with Medicare. Medicare Made Clear TM Get Answers: Medicare Education Look inside to: Understand the difference between Medicare plans Compare plans and choose the right one for you See

More information

MAP TO MEDICARE. H2461 101314 T01 CMS Accepted 10/21/2014 S5743 101414 K01 MN CMS Accepted 10/21/2014

MAP TO MEDICARE. H2461 101314 T01 CMS Accepted 10/21/2014 S5743 101414 K01 MN CMS Accepted 10/21/2014 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

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

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

Before we discuss the differences between Part A and Part B, there are two terms that are important to understand: deductible and benefit period.

Before we discuss the differences between Part A and Part B, there are two terms that are important to understand: deductible and benefit period. SLIDE 1 The ABCD s of Medicare Welcome to Health First s presentation of The ABCDs of Medicare. This is not a sales presentation it s for educational purposes and no plan specific benefits or details will

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

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

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

Getting started with Medicare.

Getting started with Medicare. Getting started with Medicare. Medicare Made Clear TM Get Answers: Medicare Education Look inside to: Understand the difference between Medicare plans Compare plans and choose the right one for you See

More information

Medicare doesn t have to be complicated. This guide is provided to help you better understand Medicare and how a Medicare Advantage plan may offer

Medicare doesn t have to be complicated. This guide is provided to help you better understand Medicare and how a Medicare Advantage plan may offer clarity YOUR GUIDE TO MEDicare AdvantaGE Medicare doesn t have to be complicated. This guide is provided to help you better understand Medicare and how a Medicare Advantage plan may offer the coverage

More information

Helping you make the right Medicare decisions. Use. Choose. your benefits effectively. your health. care plan. Improve. and manage.

Helping you make the right Medicare decisions. Use. Choose. your benefits effectively. your health. care plan. Improve. and manage. Helping you make the right Medicare decisions Choose your health care plan Use your benefits effectively Improve and manage your health Your Guide to Selecting Medicare Coverage for 2015 What s Inside

More information

Understanding Medicare Fundamentals

Understanding Medicare Fundamentals Understanding Medicare Fundamentals A Healthcare Cost Planning Overview By Mark J. Snodgrass & Pamela K. Edinger JD July 7, 2012 Money Tree Software, Ltd. 2430 NW Professional Dr. Corvallis, OR 98330 2012

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

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

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 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

Thank you... 1 www.bcbsga.com WPADVBR005M(11)-GA 20550WPSENMUB_004_G 9/11

Thank you... 1 www.bcbsga.com WPADVBR005M(11)-GA 20550WPSENMUB_004_G 9/11 Thank you... for your interest in our Medicare Supplement plans. We designed them to help you stay healthy and keep your medical costs down. It s why they are so popular. You get an added layer of security,

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 Basics: Frequently Asked Questions

Medicare Basics: Frequently Asked Questions 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

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

On the next page are answers to some important questions that can help you during the Annual Open Enrollment.

On the next page are answers to some important questions that can help you during the Annual Open Enrollment. QA 2015 Medicare Prescription Drug Annual Open Enrollment The Annual Open Enrollment for Medicare prescription drug coverage (Part D) is October 15, 2014 December 7, 2014. Certain people with Medicare

More information

1Will my Medicare Part D plan be

1Will my Medicare Part D plan be 2014 Medicare Prescription Drug Annual Open Enrollment Questions & Answers The Annual Open Enrollment for Medicare prescription drug (Part D) is October 15, 2013 December 7, 2013. Certain people with Medicare

More information

Medicare. Prescription Drug Plan Guide. Simple steps to help you choose the right prescription drug coverage

Medicare. Prescription Drug Plan Guide. Simple steps to help you choose the right prescription drug coverage Medicare Prescription Drug Plan Guide An educational resource developed by Simple steps to help you choose the right prescription drug coverage and published by Rite Aid Corporation. Rite Aid pharmacists

More information

Humana Medicare Advantage and Prescription Drug Plans

Humana Medicare Advantage and Prescription Drug Plans 2015 Presentation Humana Medicare Advantage and Prescription Drug Plans Y0040_SPM_SPRE_MAPD_15 Approved GNHH31KHH_15 Let s talk about... Are you eligible? Choosing the right Humana plan for you Your Medicare

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

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

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

What s a Medicare Advantage Plan?

What s a Medicare Advantage Plan? Revised April 2015 What s a Medicare Advantage Plan? You can get your Medicare benefits through Original Medicare, or a Medicare Advantage Plan (like an HMO or PPO). If you have Original Medicare, the

More information

Making Sense of Medicare

Making Sense of Medicare Making Sense of Medicare Stephanie M. Turnbull Manager, Member Benefits 1 Highlights Medicare Eligibility Types of Medicare Coverage Medicare Part A Medicare Part B Medicare Part C Medicare Part D Medicare

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

CENTERS FOR MEDICARE & MEDICAID SERVICES. Cost

CENTERS FOR MEDICARE & MEDICAID SERVICES. Cost CENTERS FOR MEDICARE & MEDICAID SERVICES Things to Think about when You Compare Medicare Drug Coverage You have two options to get Medicare coverage for your prescription drugs. If you have Original Medicare,

More information

About to Retire: Preparing for Medicare Patient Financial Services Agenda Medicare Enrollment Covered Services Medicare-covered covered Preventive Services Agenda, continued Advance Beneficiary Notice

More information

2015 National Training Program. Session Objectives. Lesson 1 Introduction to Medigap. Medicare Program Overview Medigap Overview

2015 National Training Program. Session Objectives. Lesson 1 Introduction to Medigap. Medicare Program Overview Medigap Overview 2015 National Training Program Module 3 Medigap (Medicare Supplement Insurance) Policies Session Objectives This session should help you Explain what Medigap policies are Recognize key Medigap terms Relate

More information

Finding Your Way With Medicare. Investor Guide

Finding Your Way With Medicare. Investor Guide Finding Your Way With Investor Guide Health Care Costs on the Rise Do you know how much health care will cost during retirement? Health care can be one of the biggest expenses in retirement and one you

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

Do more of what you love. HealthPartners Wisconsin Freedom (Cost) 2016 Plan Comparison Guide

Do more of what you love. HealthPartners Wisconsin Freedom (Cost) 2016 Plan Comparison Guide Do more of what you love. HealthPartners Wisconsin Freedom (Cost) 2016 Plan Comparison Guide H2462_ 82767 Accepted 9/14/2014 H2462_91699_01 Accepted 8/30/2015 WIPlanComp Table of contents Introducing HealthPartners...................................

More information

Making the Most. Medicare. An Easy Guide to Getting More from Your Benefits

Making the Most. Medicare. An Easy Guide to Getting More from Your Benefits Making the Most of Medicare An Easy Guide to Getting More from Your Benefits Making the Most of Medicare Those who have Medicare or are aging into the program have many choices in today s health care environment.

More information

MEDICARE PLANS. from Blue Cross and Blue Shield of Minnesota. H2461_082715_T01 CMS Accepted 09/09/2015 S5743_082715_B04_MN CMS Accepted 09/09/2015

MEDICARE PLANS. from Blue Cross and Blue Shield of Minnesota. H2461_082715_T01 CMS Accepted 09/09/2015 S5743_082715_B04_MN CMS Accepted 09/09/2015 2016 MEDICARE PLANS from Blue Cross and Blue Shield of Minnesota H2461_082715_T01 CMS Accepted 09/09/2015 S5743_082715_B04_MN CMS Accepted 09/09/2015 CHOOSING YOUR MEDICARE PLAN Medicare options designed

More information

Planning for Medicare An Educational Resource from Blue Cross Blue Shield of Massachusetts

Planning for Medicare An Educational Resource from Blue Cross Blue Shield of Massachusetts Planning for Medicare An Educational Resource from Blue Cross Blue Shield of Massachusetts Blue Cross Blue Shield of Massachusetts is an Independent Licensee of the Blue Cross and Blue Shield Association.

More information

MEDICARE BASICS. Eligibility: Disabled, or Age 65

MEDICARE BASICS. Eligibility: Disabled, or Age 65 MEDICARE BASICS Eligibility: Disabled, or Age 65 Coverage: Part A Hospital Insurance o Hospital stays o Skilled Nursing Facility stays (limited coverage) Part B Medical Insurance o Outpatient and diagnostic

More information

Roadmap for Medicare Navigating Medicare Part D. A guide for seniors and caregivers

Roadmap for Medicare Navigating Medicare Part D. A guide for seniors and caregivers Roadmap for Medicare Navigating Medicare Part D A guide for seniors and caregivers Roadmap for Medicare: Getting Oriented This Guide offers information and advice for choosing a Medicare Part D prescription

More information

Managing Your Health Care Costs in Retirement. Plain Talk Library

Managing Your Health Care Costs in Retirement. Plain Talk Library Managing Your Health Care Costs in Retirement Plain Talk Library If you re approaching retirement or you re already retired, you probably have many questions about the financial issues the years to come

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

CENTERS FOR MEDICARE & MEDICAID SERVICES

CENTERS FOR MEDICARE & MEDICAID SERVICES CENTERS FOR MEDICARE & MEDICAID SERVICES 2016 Welcome to Medicare! Medicare is health insurance for people 65 or older, under 65 with certain disabilities, and any age with End-Stage Renal Disease (ESRD)

More information

2015 Optimum Healthcare Sales Presentation Video Transcript-

2015 Optimum Healthcare Sales Presentation Video Transcript- 2015 Optimum Healthcare Sales Presentation Video Transcript- H5594_15SalesPresVidv2_CMS_Approved Welcome to this presentation on Optimum HealthCare s Medicare Advantage Plans. Today you will learn about

More information

2015 Freedom Health Sales Presentation Video Transcript- (Host) (Member Testimony) H5427_15FHSalesPresVidv2_CMS Approved

2015 Freedom Health Sales Presentation Video Transcript- (Host) (Member Testimony) H5427_15FHSalesPresVidv2_CMS Approved 2015 Freedom Health Sales Presentation Video Transcript- H5427_15FHSalesPresVidv2_CMS Approved Welcome to this presentation on Freedom Health s Medicare Advantage Plans. Today you will learn about the

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 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

Your Guide to Medicare Special Needs Plans (SNPs)

Your Guide to Medicare Special Needs Plans (SNPs) CENTERS FOR MEDICARE & MEDICAID SERVICES Your Guide to Medicare Special Needs Plans (SNPs) This official government booklet has important information about Medicare Special Needs Plans, including the following:

More information

Evidence of Coverage. H8067_C_EOC_0915 CMS Accepted/File & Use 9/28/2015

Evidence of Coverage. H8067_C_EOC_0915 CMS Accepted/File & Use 9/28/2015 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,

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 Open Enrollment: What Steps Do Employers Need to Take? Presented by: Donna Dever and Greg Puig August 27, 2015

Medicare Open Enrollment: What Steps Do Employers Need to Take? Presented by: Donna Dever and Greg Puig August 27, 2015 Medicare Open Enrollment: What Steps Do Employers Need to Take? Presented by: Donna Dever and Greg Puig August 27, 2015 Introduction In this client clinic we will review: What is creditable coverage? What

More information

Medicare Quick Reference

Medicare Quick Reference Medicare Quick Reference 2016 Income Investment Estate Retirement Social Security NOT FDIC INSURED NO BANK GUARANTEE MAY LOSE VALUE This guide provides general Medicare information. Part A Part C (Medicare

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 Changes 2012: Five Things You Need to Know

Medicare Changes 2012: Five Things You Need to Know Medicare Changes 2012: Five Things You Need to Know In 2010, ju st 1 in 5 Medicare bene f iciar ies over the age of 65 planned to review their Medicare coverage options for 2011. 1 Why is this statistic

More information

Medicare Factsheet. September 2, 2015 Page 1 of 6

Medicare Factsheet. September 2, 2015 Page 1 of 6 Medicare Factsheet If you are enrolled in Medicare, you do not need to do anything with Covered California. If you have Medicare you are covered. No matter how you receive your Medicare benefits, whether

More information

Your. Enrollment Kit. Information to help you make the best choices for health insurance at 65 and beyond with BlueCare Security a Medigap Plan

Your. Enrollment Kit. Information to help you make the best choices for health insurance at 65 and beyond with BlueCare Security a Medigap Plan Your Enrollment Kit Information to help you make the best choices for health insurance at 65 and beyond with BlueCare Security a Medigap Plan Timing is everything with Medicare Turning 65? Making plans

More information

Guide to Medicare MEDICARE BASICS. Presented by

Guide to Medicare MEDICARE BASICS. Presented by Guide to Medicare MEDICARE BASICS Presented by 14 Medicare Basics What Is Medicare? Medicare is health insurance for the following: People 65 or older People under 65 with certain disabilities People of

More information

Medicare Resource Guide

Medicare Resource Guide Medicare Resource Guide Patient Name Dear Patient, Please take the time to read the following sections of this brochure as noted by your healthcare provider. These different components of Medicare deal

More information

Choosing a Medicare prescription drug plan.

Choosing a Medicare prescription drug plan. Choosing a Medicare prescription drug plan. Medicare Made Clear TM Get Answers Series Look inside to: Learn about Part D prescription drug coverage options Find out what you need to know about the Part

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

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

Optimum HealthCare Sales Video Script - H5594_14SalesVideo_CMS Approved

Optimum HealthCare Sales Video Script - H5594_14SalesVideo_CMS Approved Optimum HealthCare Sales Video Script - H5594_14SalesVideo_CMS Approved Thank you for joining us for this special presentation on Optimum HealthCare s Medicare Advantage Plans. Today we will explain the

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

Closing the Coverage Gap Medicare Prescription Drugs Are Becoming More Affordable

Closing the Coverage Gap Medicare Prescription Drugs Are Becoming More Affordable MEDICARE PRESCRIPTION DRUG COVERAGE Closing the Coverage Gap Medicare Prescription Drugs Are Becoming More Affordable The Affordable Care Act includes benefits to make your Medicare prescription drug coverage

More information

Kaiser Permanente Guide to Medicare Basics

Kaiser Permanente Guide to Medicare Basics 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

More information

Piedmont WellStar Medicare Choice (HMO) offered by Piedmont WellStar HealthPlans, Inc.

Piedmont WellStar Medicare Choice (HMO) offered by Piedmont WellStar HealthPlans, Inc. 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.

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

(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

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

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

Affordable Coverage for People Turning 65 and New Retirees. 2015 Medicare Supplemental Products. An independent, local Vermont company

Affordable Coverage for People Turning 65 and New Retirees. 2015 Medicare Supplemental Products. An independent, local Vermont company Affordable Coverage for People Turning 65 and New Retirees 2015 Medicare Supplemental Products An independent, local Vermont company Three smart steps to quality health care after retirement: peace of

More information

Your Questions Answered

Your Questions Answered Your Questions Answered 1. GENERAL 1.1 What is happening to my retiree medical and prescription drug benefits for Medicare-eligible participants as of January 1, 2015? Effective December 31, 2014, CIGNA

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

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

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

Your Medicare Options Guide Book

Your Medicare Options Guide Book Your Medicare Options Guide Book H4152_ageinoptionsbook123 Accepted Turning 65? Time to get informed. Maybe you re not thinking about retirement yet. These days people are working and enjoying life longer

More information

SMART Humana Group Medicare

SMART Humana Group Medicare SMART Humana Group Medicare Group Medicare GHHHNYFEN 0813 Overview of Humana Medicare Medicare is the largest government-sponsored health insurance program in the United States, serving more than 49 million

More information

Medicare Enrollment: What You Need to Know

Medicare Enrollment: What You Need to Know Medicare Enrollment: What You Need to Know September 18, 2014 Brandy Bauer National Council on Aging 1 National Council on Aging (NCOA) Who We Are: NCOA is the nation s leading nonprofit service and advocacy

More information

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

What s Medicare? What are the different parts of Medicare? Revised June 2014 What s Medicare? Medicare is health insurance for: People 65 or older People under 65 with certain disabilities People of any age with End-Stage Renal Disease (ESRD) (permanent kidney

More information

Understanding Medicare Part D & the Affordable Care Act. Bryan Padget Outreach Coordinator Senior Health Insurance Program (SHIP) 800-548-9034

Understanding Medicare Part D & the Affordable Care Act. Bryan Padget Outreach Coordinator Senior Health Insurance Program (SHIP) 800-548-9034 Understanding Medicare Part D & the Affordable Care Act Bryan Padget Outreach Coordinator Senior Health Insurance Program (SHIP) 800-548-9034 Topics What is SHIP? Medicare Part D Affordable Care Act Resource

More information

Medicare Factsheet What is Medicare? Original Medicare (Part A and Part B) Medicare Advantage Plan (Part C) Prescription Drug Plans (Part D),

Medicare Factsheet What is Medicare? Original Medicare (Part A and Part B) Medicare Advantage Plan (Part C) Prescription Drug Plans (Part D), Medicare Factsheet If you are enrolled in Medicare, you do not need to do anything with Covered California. If you have Medicare you are covered. No matter how you receive your Medicare benefits, whether

More information

Vermont Blue 65. Coverage for Vermonters with Medicare. 2016 Medicare Supplemental Products. Group Brochure. An independent, local Vermont company

Vermont Blue 65. Coverage for Vermonters with Medicare. 2016 Medicare Supplemental Products. Group Brochure. An independent, local Vermont company 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:

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

Evidence of Coverage:

Evidence of 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

More information

Insurance Trust for Delta Retirees 2013 Prescription Drug Plan (PDP)

Insurance Trust for Delta Retirees 2013 Prescription Drug Plan (PDP) Your Plan Explained Insurance Trust for Delta Retirees 2013 Prescription Drug Plan (PDP) UnitedHealthcare MedicareRx for Groups (PDP) Y0066_PDP_896487_000 What is Medicare Part D? Medicare Part D is a

More information

Your Medicare Options Guide Book

Your Medicare Options Guide Book Your Medicare Options Guide Book bcbsri.com/medicare H4152_ageinoptionsbook502 Accepted Turning 65? Time to get informed. The A-B-Cs (and D) of Medicare. Maybe you re not thinking about retirement yet.

More information

Allegian Advantage (HMO) H8554_001-2015 Accepted

Allegian Advantage (HMO) H8554_001-2015 Accepted 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

More information

Medicare Made Simple

Medicare Made Simple Medicare Made Simple 1 CONTENTS 4 WHAT DO YOU NEED? Just starting Medicare, or are you already enrolled? 8 A COVERAGE OVERVIEW Understanding what each part of Medicare does for you 10 COST COMPARISON LET

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