Cabrillo College Retiree Benefits and Medicare Frequently Asked Questions

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Cabrillo College Retiree Benefits and Medicare Frequently Asked Questions"

Transcription

1 Cabrillo College Retiree Benefits and Medicare Frequently Asked Questions

2 Table of Contents What is Medicare?... 3 What are the different parts of Medicare?... 4 What does Medicare help cover Part A?... 5 What does Medicare help cover Part B? What does Medicare not cover?. 7 Original Medicare enrollment period. 8 Medicare Part C (Medicare Advantage).. 9 Medicare Part D (Prescription drug coverage) Medicare Supplement plans (Medigap) Medicare and group health plans.. 15 Do working seniors still need Medicare>.. 16 Make a financial comparison Cabrillo College Plan-Specific Options. 18 Cabrillo College Specific Q&A. 24 page 2

3 Medicare What is Medicare? Fee-for-service health insurance Medicare helps cover your expenses on certain services You can use any doctor/hospital (provider) that accepts Medicare Who is eligible? People ages 65 or older People under ages 65 with certain disabilities People of any age with end-stage renal disease (ESRD) page 3

4 Filling in the gaps Making coverage complete There are two main ways to get your Medicare coverage: through Original Medicare, which can be supplemented by a Medicare Supplement plan, or with a Medicare Advantage Plan. Original Medicare Part A Hospital insurance Part B Medical Insurance Medicare Advantage Plan (like an HMO or PPO plan) Combines Part A, Part B, and usually Part D Part D Prescription drug coverage Decide if you need to add drug coverage. Decide if you need to add supplemental coverage. Medigap (Medicare Supplement insurance policy) Part D Prescription drug coverage (Most Medicare Advantage Plans cover prescription drugs. Part D drug coverage can only be added to Medicare Advantage Plans that do not have prescription drug coverage.) page 4

5 Medicare Part A Hospital coverage Helps cover: 1. Inpatient hospital care in hospitals Hospital deductible: $1, Copayment for days 61-90: $304/day Copayment for days : $608/day After day 150: NO COVERAGE! 2. Skilled nursing facility stays You pay nothing for the first 20 days each benefit period. Days : - $152/day 3. Hospice care 4. Home health services Part A premium - no cost for beneficiaries who meet certain criteria (who work for 40 quarters or 10 years) Part-time or intermittent care. You pay nothing for covered home healthcare services. page 5

6 Medicare Part B Medical coverage Helps cover: 1. Doctor and other healthcare providers visits 2. Outpatient hospital care 3. Durable medical equipment 4. Home health care 5. Many preventive services offered 6. No cost for most preventive services 2014 beneficiary cost-sharing amounts for Part B $ standard monthly premium Fast facts $ annual deductible. Medicare pays 80% of approved charges You pay 20% of approved charges Physicians can t charge more than 15% on top of approved charges You might be eligible to defer Part B without incurring penalties if you have group health coverage through an employer or union. Part B is available to all Medicare beneficiaries. If you do not sign up when you are eligible, you may have to pay a late enrollment penalty for as long as you have Medicare. Monthly premiums are deducted directly from the beneficiary s Social Security check, or billed quarterly. page 6

7 Medicare Parts A and B do not cover: Most prescription drugs Routine vision, foot, or dental care Routine hearing exams and hearing aids Acupuncture Custodial care at home or in a nursing home Health care outside of the U.S. Part A and Part B deductibles and coinsurance Hospital care after 150 days Medicare does not have a out-of-pocket maximum. page 7

8 Original Medicare Enrollment periods 1. Initial Enrollment Period When you first become eligible for Medicare. Begins 3 months before the month of your 65th birthday. Ends 3 months after the month of your 65th birthday. 2. Special Enrollment Period Anytime you re still covered by the group health plan. During the 8-month period that begins the month after the employment ends or the coverage ends, whichever happens first. 3. General Enrollment Period January 1 through March 31 of each year. Part B coverage starts on July 1 of the year you sign up. Part B premium penalty of 10% for each 12-month period you could have had Part B but did not. Penalty is waived if you were covered by a group health plan and enroll during a Special Enrollment Period. page 8

9 Medicare Part C Medicare Advantage Plans Fast facts You must have both Medicare Parts A and B Offered by private health plans Designed to cover the gaps of Original Medicare Copays are varied Medicare Advantage Prescription Drug Plans include prescription drug coverage Must use the plan s network doctors and facilities In most cases, referrals are necessary Some plans include routine vision, hearing and dental benefits, and gym membership page 9

10 Medicare Part D Prescription drug coverage Medicare Part D covers prescription drugs only A beneficiary can add Part D to: 1. Original Medicare 2. Medicare Supplement plans 3. Medicare Advantage Plans without prescription drug coverage What types of Part D plans are offered? 1. Prescription Drug Plan (PDP) A PDP plan is sold as a standalone plan by Medicare-approved companies. It can complement a Medicare Supplement (Medigap) plan. 2. Medicare Advantage Prescription Drug Plan (MA-PD) Prescription drug coverage is offered as part of an MA-PD plan. page 10

11 Medicare Part D Fast facts 1. Part D is not offered by Medicare. A beneficiary needs to pick a private health plan, which is then subsidized by the government. 2. Don t go 63 days or more in a row without a Medicare drug plan or other creditable coverage. 3. Tell your plan about any drug coverage you had if they ask about it. 4. Coverage in Part D is optional. However, if beneficiaries don t enroll when first eligible, they could be subject to a late enrollment penalty (higher monthly plan premiums) unless they are enrolled in a plan with drug coverage that is creditable. page 11

12 Medicare Part D 2014 Costs for Covered Drugs Plan premiums may vary Phase 1 Annual deductible This is the amount you must pay before your drug plan begins to pay its share of your covered drugs. Some drug plans don t have a deductible. Phase 2 Initial coverage You pay a copayment, and your plan pays its share for each covered drug until your combined amount (plus the deductible) reaches $2,850. Phase 3 Coverage gap You pay 47.5% of covered brand-name drug costs and 72% of covered generic drug costs until your out-of-pocket costs reach $4,550. Some plans will offer coverage of some drugs through the gap. Phase 4 Catastrophic coverage Once you ve spent $4,550 for the year, you will pay only a small copayment or coinsurance for each covered drug until the end of the year. page 12

13 Medicare Part D Enrollment periods 1. Initial Enrollment Period Initial Enrollment Period (3 months before 65 birthday, month of birthday and 3 months after) Newly eligible for Medicare 2. Annual Election Period Open Enrollment Period(Oct. 15 December 7) 3. Special Election Period Special Enrollment Period (you move, lose insurance coverage, qualify for Extra Help). 4. Extra Help paying for prescription drugs (for those who qualify) page 13

14 Medicare Supplement plans (Medigap) Fast facts Medicare Supplement plans are also known as Medigap plans. You must have both Medicare Parts A and B. Offered by private health plans. 10 standardized plans with varying benefits, plus a high-deductible option for Plan F. Designed to cover the gaps of Original Medicare including some deductibles and coinsurance of Medicare-allowed amounts for covered healthcare expenses. Freedom to choose any doctor, specialist, and hospital in the U.S. that accepts Medicare. Must pay monthly plan premiums in addition to Medicare Part B premium Medicare Supplement does not cover long-term care, pharmacy, dental, routine vision, hearing aid, and private-duty nurse. Guaranteed renewable. page 14

15 Medicare and group health plans Generally, employers with 20 or more employees must offer current employees or spouses 65 and older the same health benefits that they offer younger employees. If you have Medicare and you re offered coverage under a group health plan, you can choose to accept or reject the plan. If you or your spouse are still working and you have health coverage through that employer or union, contact your employer or union benefits administrator to find out how your coverage works with Medicare. It may be to your advantage to delay Part B enrollment. When you have health coverage based on current employment, you can sign up for Part B at any time, without penalty. Once the employment ends, you have 8 months to sign up for Part B without a penalty. This period will run whether or not you choose COBRA. If you choose COBRA, don t wait for COBRA to end to enroll in Part B if you don t enroll in Part B during the 8 months, you may have to pay a penalty, and you won t be able to enroll until the next General Enrollment Period. page 15

16 Do working seniors still need Medicare? Questions you may want to ask when you speak to your benefits administrator Employee is turning 65 Am I just covering myself? No Yes Younger spouse/ adult child Is employer plan cheaper than $104.90? Both stay on employer plan or just cover the younger spouse No Get Part B Yes Stay on employer plan Retiree 65+ defer Part B or elect an individual plan for yourself Look into Medicare Individual options page 16 Defer Part B

17 Make a financial comparison Monthly payroll deductions Group plan $ Part B Premium + Medicare Part D $ Plan cost for Medicare option Non-group plan Max out-of-pocket $ Max out-of-pocket $ Plan deductible $ Plan deductible $ Hospital deductible $ Hospital deductible $ Doctor visits $ Doctor visits $ Specialist visits $ Specialist visits $ Prescription cost $ Prescription cost $ X-rays and lab work $ X-rays and lab work $ Vision coverage $ Vision coverage $ Dental coverage $ Dental coverage $ Gym membership $ Gym membership $ $ $ page 17

18 Cabrillo College Specific Plan Options 2014/2015 HMO Plan Options These plan design options are also provided for Active employees. Option 1 HMO $10-0 This plan offers: No deductible $1000 ind/$2000 family out-ofpocket maximum $10 office visit $671 Single w/medicare A & B $975 Single w/out Medicare $ person w/medicare A & B Generic/Brand Rx $5/$10 through Navitus/COSTCO (mail order) $ person w/out Medicare A & B Medicare is Primary Must select Blue Shield HMO provider Option 2 HMO $ This plan offers: No deductible $2000 ind/$4000 family out-ofpocket maximum $459 Single w/medicare A & B $771 Single w/out Medicare $918 2-person w/medicare A & B $25 office visit Generic/Brand Rx $9/$35 through Navitus/COSTCO (mail order) $ person w/out Medicare A & B Medicare is Primary Must select Blue Shield HMO provider page 18

19 Cabrillo College Specific Plan Options 2014/2015 HMO Plan Options These plan design options are also provided for Active employees. Option 3 HMO $30-20% This plan offers: No deductible $1500 per member out-of-pocket maximum $30 office visit $457 Single w/medicare A & B $724 Single w/out Medicare $914 2-person w/medicare A & B $ person w/out Medicare A & B Generic/Brand Rx $9/$35 through Navitus/COSTCO (mail order) Medicare is Primary Must select Blue Shield HMO provider page 19

20 Cabrillo College Specific Plan Options 2014/2015 PPO Plan Options These plan design options are also provided for Active employees. Option 4 PPO 80-E This plan offers: $300 ind/$600 family deductible $1000 ind/$3000 family out-of pocket maximum $20 office visit $520 Single w/medicare A & B $956 Single w/out Medicare $ person w/medicare A & B $ person w/out Medicare A & B Generic/Brand Rx $7/$25 through Navitus/COSTCO (mail order) Medicare is Primary May see any Blue Shield PPO Provider (CA & Non-CA) Option 5 PPO 80-J This plan offers: $750 ind/$1500 family deductible $3000 ind/$6000 family out-of pocket maximum $30 office visit $474 Single w/medicare A & B $848 Single w/out Medicare $948 2-person w/medicare A & B $ person w/out Medicare A & B Generic/Brand Rx $9/$35 through Navitus/COSTCO (mail order) Medicare is Primary May see any Blue Shield PPO Provider (CA & Non-CA) page 20

21 Cabrillo College Specific Plan Options 2014/2015 PPO Plan Options These plan design options are also provided for Active employees. Option 6 PPO HDHP B (Deductible must be met before plan pays any cost sharing) This plan offers: $2,500 ind/$5,000 family deductible $5,000 ind/$10,000 family out-of pocket maximum 10% office visit (after deductible) Generic/Brand Rx $7/$25 (after deductible) Medicare is Primary $483 Single w/medicare A & B $681 Single w/out Medicare $966 2-person w/medicare A & B $ person w/out Medicare A & B May see any Blue Shield PPO Provider (CA & Non-CA) Rx is through Blue Shield page 21

22 Cabrillo College Specific Plan Options 2014/2015 Individual Retiree Medical Plan Options These plan options are only available for Retirees over 65. Option 7 Option 8 Companion Care Blue Shield Medicare Advantage This plan is a Medicare Supplement Plan that pays the difference of what Medicare does not pay such as deductibles, in-patient per day costs, Skilled Nursing, etc. Note that this plan only pays on Medicare allowable expenses. Must be enrolled in Medicare Part A & B May see ANY Medicare provider Anthem Blue Cross is the claims processor not network Members are enrolled in Part D The Rx plan on CompanionCare included an enhanced Rx drug plan with no coverage gaps ($9/$35 copays through any pharmacy that takes Navitus retail or COSTCO mail order) CMS approved formulary The $0 generic copay & diabetic supplies for generic at COSTCO is not applicable to this plan This plan assigns the Medicare benefits to Blue Shield. Copays apply, most benefits covered at 100% Must be enrolled in Medicare Part A & B Must select Blue Shield HMO Medicare provider in approved zip code/service area Not all HMO Primary Care Physicians (PCP) are available in this plan Physicians Medical Group of Santa Cruz provider network only Member are enrolled on Part-D and provided Blue Shield CMS approved formulary page 22 $370 per person $740 (2-person) $406 per person $812 (2-person) (NorCal Region)

23 Cabrillo College Specific Plan Options 2014/2015 Individual Retiree Medical Plan Options These plan options are only available for Retirees over 65. Option 9 Kaiser This plan assigns the Medicare benefits to Kaiser. Copays apply, most benefits have $10 copay Must be enrolled in Medicare Part A & B Must select Kaiser provider in approved service area/zip code Rx Included w/kaiser facility $329 per person $658 (2-person) page 23

24 Cabrillo College Specific Q&A s Q: What is the benefit period for Medicare benefits? A: January 1 December 31 Q: Is the Medicare Advantage plan an HMO or a PPO? A: For Cabrillo College, the plan is an HMO Q: Is CompanionCare different than a PPO? A: Yes. On this plan, you may visit any provider that accepts Medicare. The provider will bill Medicare first. The balance of the claim is sent to Anthem Blue Cross for processing. It s important to note that the Rx formulary will be slightly different than the traditional Active plans. Q: What happens to my Rx benefits if I move out of state? A: Please refer to pages of this document. Most retail Rx plans are through Navitus. COSTCO walk-in pharmacies may not be available but you may still participate in the mail order program. page 24

25 Cabrillo College Specific Q&A s Q: What if I am enrolled in the traditional Active plan and I want to switch to one of the Individual Retiree plans? A: You may enroll in an Individual Retiree Medical plan at any time. You do not have to wait for an open enrollment period. However, you must submit a completed enrollment form to your District's Benefit representative 45-days prior to the effective date. The effective date of coverage will be the first of the month following the 45-day notice. Once you are enrolled, you may NOT go back to the group "Active" plan (e.g. PPO or HMO). Q: If I enrolled in the CompanionCare and my doctor does not accept Medicare, what will happen. A: There is a great possibility that you may be billed for the balance for whatever Medicare does not pay. CompanionCare requires that you receive services from a participating Medicare provider. Q: I am 65 but my spouse is younger. Can I split us up on different plans? A: Yes. You may enroll in an individual plan while your spouse remains on a District Active plan with under age 65 rates. Q: May I receive Homeopathic care? A: Generally the Individual Retiree Plans will not cover Homeopathic care. However, please consult your benefits booklet or contact the customer service department for specific benefits. page 25

26 Cabrillo College Specific Q&A s Q: Does Medicare provide subsidy assistance for low income households? A: Medicare does have a program called LTS Low income Subsidy Q: Do I qualify for low income subsidy? A: You may contact CMS (Center for Medicare/Medicaid Services) at or MEDICARE ( ) page 26

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

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

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

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

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

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

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

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 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

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

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

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

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

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

Getting Started with Medicare Beginning Medicare Training

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

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

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

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

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

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

What is Medicare? The Different Parts of Medicare

What is Medicare? The Different Parts of Medicare Medicare and You The Different Parts of Medicare A Medicare Part A Hospital Insurance Inpatient care at hospitals, skilled nursing facility*, hospice and home health care. What is Medicare? Medicare is

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

THE A,B,C,D S OF MEDICARE

THE A,B,C,D S OF MEDICARE THE A,B,C,D S OF MEDICARE An important resource for understanding your healthcare in retirement What you need to know for 2014 How Medicare works What Medicare covers How much Medicare costs INTRODUCTION

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

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

Choosing Healthcare Coverage at Retirement

Choosing Healthcare Coverage at Retirement Choosing Healthcare Coverage at Retirement An introduction to Medicare and the different ways to supplement Medicare coverage in retirement Important: 2016 Deductible, Copayment, and Premium Updates To

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

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

Once you have an understanding of your health needs, you need to understand your Medicare options so you can decide which one best suits your needs.

Once you have an understanding of your health needs, you need to understand your Medicare options so you can decide which one best suits your needs. Medicare Options It is important for you to think about your particular health care needs. Do you have a doctor you prefer to see? Do you have a condition that requires frequent doctor visits? How many

More information

Introducing OneExchange.

Introducing OneExchange. RETIREE BENEFITS Introducing OneExchange. OneExchange provides you with plan advice and enrollment assistance to choose Medicare supplemental healthcare and prescription drug coverage that s right for

More information

RETIREE OPEN ENROLLMENT 2014

RETIREE OPEN ENROLLMENT 2014 RETIREE OPEN ENROLLMENT 2014 The month of August 2014 is open enrollment for eligible retirees to switch from one retiree health plan to another. Open enrollment is also the time when you are allowed to

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

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

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

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

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

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

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

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

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

Everyone needs to plan ahead for Medicare

Everyone needs to plan ahead for Medicare Your financial well-being Everyone needs to plan ahead for Medicare Having a thorough understanding of how Medicare works and the choices you need to make about its coverage is an essential part of retirement

More information

Frequently Asked Questions: Medicare Supplement & Medicare Advantage

Frequently Asked Questions: Medicare Supplement & Medicare Advantage Frequently Asked Questions: Medicare Supplement & Medicare Advantage Who is eligible for CBIA s Medicare program? A CBIA Health Connections participant is eligible for either plan if they are qualified

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

City of Arlington Open Enrollment Meeting. November, 2015

City of Arlington Open Enrollment Meeting. November, 2015 City of Arlington Open Enrollment Meeting November, 2015 WELCOME Why We re Here Step 1: Learn about your options Step 2: Consider your choices Step 3: Enroll in a plan Already enrolled? What do I need

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

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

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

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

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

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

Medicare Advantage Outreach and Education Bulletin

Medicare Advantage Outreach and Education Bulletin Medicare Advantage Outreach and Education Bulletin 2012 California Medicare Advantage Update Dear Healthcare Provider, Annual benefits changes for Medicare Advantage plan members will be effective January

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

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 Fact Sheet. Fact Sheet: Medicare

Medicare Fact Sheet. Fact Sheet: Medicare Medicare Fact Sheet Fact Sheet: Medicare 2 If you re 65 or older and not working, chances are your primary health insurance will come through Medicare the popular federal program begun in the 1960s to

More information

Wisconsin Guide to Health Insurance for People with Medicare

Wisconsin Guide to Health Insurance for People with Medicare Wisconsin Guide to Health Insurance for People with Medicare 2015 For more information on health insurance call: MEDIGAP HELPLINE 1-800-242-1060 This is a statewide toll-free number set up by the Wisconsin

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

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

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

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

What Federal Employees Need to Know About Their Health Insurance and Medicare

What Federal Employees Need to Know About Their Health Insurance and Medicare What Federal Employees Need to Know About Their Health Insurance and Medicare Federal employees have been paying the Medicare Part A (hospital insurance) payroll tax since Jan. 1, 1983. That means all

More information

Wisconsin Guide to Health Insurance for People with Medicare

Wisconsin Guide to Health Insurance for People with Medicare Wisconsin Guide to Health Insurance for People with Medicare 2015 For more information on health insurance call: MEDIGAP HELPLINE 1-800-242-1060 This is a statewide toll-free number set up by the Wisconsin

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

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

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

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

Health Matters. A Guide for Medicare-Eligible Healthcare Options. Important health plan information enclosed.

Health Matters. A Guide for Medicare-Eligible Healthcare Options. Important health plan information enclosed. Health Matters A Guide for Medicare-Eligible Healthcare Options Important health plan information enclosed. Why am I receiving this booklet? Brookhaven Science Associates (BSA) has decided to offer SelectQuote

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

Health Matters. A Guide for Medicare-Eligible Retirees

Health Matters. A Guide for Medicare-Eligible Retirees Health Matters A Guide for Medicare-Eligible Retirees Why am I receiving this booklet? We have decided to offer SelectQuote Senior s insurance exchange. We are committed to helping you make smart choices.

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

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

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

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

BAKERSFIELD CITY SCHOOL DISTRICT

BAKERSFIELD CITY SCHOOL DISTRICT BAKERSFIELD CITY SCHOOL DISTRICT INSURANCE PLANS for RETIREES 2015-2016 GENERAL INFORMATION About DISTRICT Plans for Retirees And INDIVIDUAL Retiree Plans, SISC Sponsored Retirees of the Bakersfield City

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

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

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

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

Aon Retiree Health ExchangeTM

Aon Retiree Health ExchangeTM Recommended by 2015 2016 Medicare Insurance Guide Aon Retiree Health ExchangeTM help you can count on It s Time to Make an Important Decision Why? Medicare Parts A and B won t cover all your health care

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

UPMC for Life HMO Deductible with Rx (HMO) offered by UPMC Health Plan

UPMC for Life HMO Deductible with Rx (HMO) offered by UPMC Health Plan UPMC for Life HMO Deductible with Rx (HMO) offered by UPMC Health Plan Annual Notice of Changes for 2016 You are currently enrolled as a member of UPMC for Life HMO Deductible with Rx. Next year, there

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 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

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

Health Insurance After Age 65

Health Insurance After Age 65 1 GUIDE TO MEDICARE PLANNING Health Insurance After Age 65 Whether you are retired or still working, Medicare will likely become part of your life after you turn 65. In the United States today, most health

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

BayCrest Insurance Services, 1275 S. Winchester Blvd., B, San Jose, CA 95128 Allan S. Eckmann. Medicare 2014

BayCrest Insurance Services, 1275 S. Winchester Blvd., B, San Jose, CA 95128 Allan S. Eckmann. Medicare 2014 BayCrest Insurance Services, 1275 S. Winchester Blvd., B, San Jose, CA 95128 Allan S. Eckmann What is Medicare? Medicare 2014 Medicare is a Health Insurance Program for: * People age 65 or older * People

More information

Medicare Description:

Medicare Description: Medicare Description: Medicare is a national health insurance program for persons age 65 or older and for certain persons with disabilities. Medicare has two parts, A and B. Connecticut beneficiaries have

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

Summary of Benefits. Blue Shield of California Medicare Rx Plan (PDP)

Summary of Benefits. Blue Shield of California Medicare Rx Plan (PDP) Summary of Benefits Blue Shield of California Medicare Rx Plan (PDP) An employer-sponsored Medicare Prescription Drug Plan for University of California (UC) retirees January 1, 2015 December 31, 2015 State

More information

What you need to know about Medicare. What You Need to Know About MEDICARE. Page 1

What you need to know about Medicare. What You Need to Know About MEDICARE. Page 1 What You Need to Know About MEDICARE Page 1 Index 2 3 5 5 6 7 Introduction Know when to enroll What s medigap? Choosing prescription drug coverage Medicare won t cover certain things Shopping for coverage

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

Prescription Drug Plan (PDP)

Prescription Drug Plan (PDP) Prescription Drug Plan (PDP) Blue Shield of California Medicare Rx Plan (PDP) Evidence of Coverage Effective January 1, 2015 Blue Shield of California is a PDP with a Medicare contract. Enrollment in Blue

More information

Virginia Medigap Policies Premium Comparison Guide

Virginia Medigap Policies Premium Comparison Guide Virginia Medigap Policies Premium Comparison Guide Prepared by Commonwealth of Virginia State Corporation Commission This consumer s Guide should be used for educational purposes only. Nothing in this

More information

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

MEDICARE: You ve earned It. Make the most of it. Cigna Medicare Services MEDICARE: You ve earned It. Make the most of it. A simple guide filled with useful information on Medicare, health and wellness and more. Section 1 MEDICARE. PLAIN AND SIMPLE. Section

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

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

John R. Kasich, Governor Mary Taylor, Lt. Governor/Director. Medicare Supplement Vs. Medicare Advantage

John R. Kasich, Governor Mary Taylor, Lt. Governor/Director. Medicare Supplement Vs. Medicare Advantage John R. Kasich, Governor Mary Taylor, Lt. Governor/Director Medicare Supplement Vs. Medicare Advantage Medicare Supplement vs Medicare Advantage? Option 1 Option 2 Original Medicare Part A and Part B +

More information

Choose the Medicare Advantage Plan That s Right for You

Choose the Medicare Advantage Plan That s Right for You Choose the Medicare Advantage Plan That s Right for You Indiana University Health Plans is a Medicare Advantage organization with a Medicare contract. Other pharmacies/physicians/providers are available

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

Things you need to know about Medicare.

Things you need to know about Medicare. Things you need to know about Medicare. 1 2 3 1OPTION Original Medicare We re here to help. Approaching 65 is an important milestone in life, and becoming eligible for Medicare is part of that. Whether

More information