RETIRING WITH MEDICARE
|
|
|
- Jacob Knight
- 8 years ago
- Views:
Transcription
1 MEDICARE! RETIRING WITH MEDICARE Helping You Make a Confident Decision To be used through employers only DoctorsChoiceUSA.com
2 WHAT S ON THE AGENDA! What is Medicare?! What are my options?! When and how do I sign up?! Why Doctor s Choice?
3 WHAT IS MEDICARE?! Health insurance for individuals 65 and older or those who are disabled! Subsidized by the Federal Government! Many parts: A B C D Medigap 3
4 ORIGINAL MEDICARE! Part A! Covers hospitalizations! No monthly charge for most! $1260 co-pay for each benefit period! Part B! Covers out-patient! Starts at $ per month! $147 deductible + 20% co-insurance 4
5 GET COMPLETE COVERAGE TWO MAIN OPTIONS! SUPPLEMENTAL + PART D MEDICARE ADVANTAGE (PART C) Prepay with higher monthly premiums, minimal co-pays, and a broad national provider network Pay when you need it with lower monthly premiums, higher co-pays, and typically a limited local provider network 5
6 ORIGINAL MEDICARE! Enroll in Part A (hospital) and B (outpatient)! Enroll in a Medicare Supplemental Plan! Covers some or all of the Part A ($1260 co-pay) and Part B ($147 deductible + 20% coinsurance) expenses! Supplemental Plans are offered by private insurance companies and range between $100-$300 depending on the plan 6
7 SUPPLEMENTAL PLANS! No Drug Coverage! You may be denied for pre-existing conditions if you don t sign up when you re first eligible! Standardized based on state and federal law 7
8 PART D! Prescription coverage! Deductibles and Co-pays based on tier! From private insurance companies! Mix and match with supplemental plans! Coverage gap Donut hole 8
9 HOW THE DONUT HOLE WORKS Your plan covers you with co- pays up to $2960 in total drug costs Stage 1 (inidal) Stage 2 (Coverage gap/donut hole) AGer $2960, you pay 45% cost of brand name 65% cost of generic drugs AGer you pay $4,700 for the calendar year, you pay 5% for the rest of the year (resets Jan 1) Stage 3 (Catastrophic) 9
10 ADVANTAGE PLANS (PART C)! Private insurance company combines A (hospital) + B (outpatient) + D (drug)! Usually HMO/PPO (network restrictions) with Co-pays/ deductibles! Lower monthly premium versus supplemental plans! Cannot be denied for medical reasons! Still have to pay for Part B 10
11 YOUR BIG DECISION! Supplemental (Medigap) + D! Higher monthly premiums! Lower out of pocket expenses! More choices of doctors and hospitals nationally! Part C (Advantage)! Lower monthly premiums! Higher out of pocket expenses! Restrictions on doctors and hospitals 11
12 MEDICARE DOESN T COVER! Dental! Vision hardware! Spouses or dependents! Long term care 12
13 CASE STUDY: SUPPLEMENTAL + PART D CAROL! 66 years old! Prefers to see specialists out of state (Boston)! Concerned about big medical bills Chose a Supplemental Plan with a Standalone Part D Prescription Plan 13
14 CAROL S WORKSHEET Part A Premium: $0 Part B Premium: $ Supplemental Plan Premium: $150 (est.) Part D Premium: $50 (est.) Total Monthly Premium: $ Figures are hypothetical and do no represent any particular plan 14
15 CAROL NEEDS CARE! Sick visit to the primary care: $0 co-pay! Sees a dermatologist: $0 co-pay! Has a lab test: $0 co-pay! Gets her HCTZ (generic) filled at her local pharmacy: $2 co-pay! Gets pneumonia and stays for 3 days in the hospital: $0 co-pay Figures are hypothetical and do no represent any particular plan 15
16 CASE STUDY: PART C ADVANTAGE ANN! 67 years young! Uses Local Doctors and hospitals! Good health Chose an Advantage Plan with prescription drug coverage 16
17 ANN S WORKSHEET! Part A Premium: $0! Part B Premium: $104.90! Part C Premium: $0! Part D Premium: $0 (included in Part C)! Total Monthly Premium:$ Figures are hypothetical and do no represent any particular plan 17
18 ANN NEEDS CARE! Sick visit to the primary care: $25 co-pay! Sees a dermatologist: $45 co-pay! Has a lab test: $15 co-pay! Gets her HCTZ (generic) filled at her local pharmacy: $2 co-pay! Gets pneumonia and stays for 3 days in the hospital: $345/day co-pay for a total of $1,035 Figures are hypothetical and do no represent any particular plan 18
19 DO I QUALIFY?! Age based (65/+)! Can continue to work! Individual only (no family plan) 19
20 PENALTIES AND SURCHARGES! Part B (outpatient) and Part D (prescription) premiums based on income.! Higher premiums for individuals earning over $85,000 single or $170,000 joint! Part B Penalty: 10% for each year not on B starting age 65! Part D Penalty: 1% per month for each month not on D starting age 65! No penalty if covered by employer plan (credible coverage) 20
21 WHEN TO ENROLL! Leaving work! More coverage: no deductibles, little or no co-pays, no network restrictions! Less expensive: Part C starts at $104.90/ month, Supplemental + D options are around $300-$400/month 21
22 WHEN SHOULD I ENROLL?! Turning 65! 7 month window (3 months before 65 to 3 months after)! Earliest coverage can start is the 1 st of the month you turn 65! Leaving work! Enroll 3 months before you need coverage to start! Can enroll up to 8 months after leaving work! COBRA does not count as credible coverage 22
23 HOW SHOULD I ENROLL! Sign up for Parts A + B with social security! Sign up for a Supplemental Plan + Part D plan or a Part C (Advantage) Plan with a licensed Doctor s Choice agent! Review your options each year with Doctor s Choice to go over changes 23
24 FREQUENTLY ASKED QUESTIONS! Q: Can I switch plans?! A: Each year during the annual enrollment period 10/15 12/7, you can switch your drug plan or Part C (advantage) plan! Q: Can I get a Part C (advantage) plan when I m healthy and go on a supplemental plan when I m sick?! A: Aside from special circumstances, supplemental plans can ask you medical questions after 6 months of your initial enrollment and you could be denied coverage. FAQ!! Q: Should I sign up for A + B when I turn 65! A: Only if you re leaving your work plan. If choose to stay on your work plan, make sure to decline Part B until you re ready to have Medicare as your primary coverage 24
25 OUR STORY Founded by Dr. Johnny Luo with a vision to help retirees get better access to care through creating a one stop resource for Medicare 25
26 WHY DOCTOR S CHOICE?! WE COMPARE MANY OPTIONS We work with numerous local and national insurance companies! NO COST CONSULTATION We are paid a fee by the insurance company when we help you enroll! DIRECT PRICING Same premiums as going direct to the insurance company 26
27 FROM OUR VALUED CLIENTS We feel we have been able to make appropriate, informed decisions about Medicare based on the professional services of Doctor's Choice. Linda H. Wakefield RI CONTACT US: Phone: Online: CONTACT US! 27
New Coverage New Choices 10/31/2011
New Coverage New Choices 10/31/2011 What We Will Cover Today What is changing and why. How this affects you. Get to know Extend Health and the services available to you. A look at the Medicare marketplace.
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
Medicare Made Simple
Medicare Made Simple 877-413-1556 Who are we? MedicareMall is the nation s premier enrollment center for Medicare Supplement Plans, Medicare Part D (prescription drug plans,) and Vision & Hearing Insurance
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
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
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
Understanding Medicare Benefits. Brian Ellenbecker, CFP, CPWA, CIMA Vice President Senior Financial Planner Robert W. Baird & Co.
Understanding Medicare Benefits Brian Ellenbecker, CFP, CPWA, CIMA Vice President Senior Financial Planner Robert W. Baird & Co. November, 2015 Agenda Medicare Plan Details Parts Enrollment Costs Medicare
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
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
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
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
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
CHOOSING A PURDUE RETIREE. Health Care Plan. That s Right for You
CHOOSING A PURDUE RETIREE Health Care Plan That s Right for You Agenda 2016 Health Care Options Medicare Advantage PPO Prescription Drug Benefits PURcare Prescription Drug Benefits Other benefits Future
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
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
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.
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
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
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
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
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
Hari Arora hsarora@verizon.net (813) 962-8395. Jim Hughes j.r.hughes45@gmail.com (727) 937-2429
IBM Retiree Medicare Coverage 2015 Medicare Eligible Retiree Single Medicare Eligible Retiree with Medicare Eligible or Non-Medicare Eligible Spouse November 11 & 12, 2014 Hari Arora hsarora@verizon.net
About to Retire: Preparing for Medicare Patient Financial Services Agenda Medicare Enrollment Covered Services Medicare-covered covered Preventive Services Agenda, continued Advance Beneficiary Notice
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
Understanding Health Insurance Options in Retirement
Understanding Health Insurance Options in Retirement A White Paper by Manning & Napier www.manning-napier.com 1 Over the past several years, the spike in the cost of health care and insurance premiums
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,
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
SERIP & Medicare. What are your options if you drop your State of Iowa Retiree Insurance?
SERIP & Medicare What are your options if you drop your State of Iowa Retiree Insurance? Presented by Senior Health Insurance Information Program Iowa Insurance Division 1-800-351-4664 What is SHIIP? Objective
Medicare Supplement Policies
Private Wealth Management Products & Services Medicare Supplement Policies A critical component of coverage for those with Parts A & B Medicare Supplement Policies, often referred to as Medigap plans,
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
5 Mistakes to Avoid MAKE NO MISTAKES MEDICARE WEBINAR: Thinking that Medicare has four parts. www.65incorporated.com
MAKE NO MISTAKES MEDICARE WEBINAR: 5 Mistakes to Avoid MISTAKE #1: Thinking that Medicare has four parts. Medicare has three parts that go together into two paths. 1. The three parts of Medicare:» Part
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
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
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,
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
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
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
Things to think about when you compare Medicare drug coverage
Things to think about when you compare Medicare drug coverage Revised September 2015 There are 2 ways to get Medicare prescription drug coverage. You can join a Medicare Prescription Drug Plan and keep
Oak Ridge National Laboratory. New Coverage New Choices
Oak Ridge National Laboratory New Coverage New Choices What we ll cover today What is changing and why? How this affects you Introducing Extend Health Medicare marketplace Going forward Questions & answers
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
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?
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
Planning for Health Care in Retirement
Planning for Health Care in Retirement 1 Agenda The Retirement Income Challenge Understanding Health Care Creating a Plan to Address Health Care Costs 3 The Retirement Income Challenge 4 The Retirement
PERS Health Insurance Program. 2015 Fall Plan Change Meetings
PERS Health Insurance Program 2015 Fall Plan Change Meetings Agenda What is the PERS Health Insurance Program (PHIP)? Health Plans (Medicare / Non-Medicare) Providence Health Plans Kaiser Permanente PacificSource
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
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
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
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
After SERIP Health Insurance Options
After SERIP Health Insurance Options 03/2015 SERIP The SERIP contribution continues for five years through the end of the month in which you retired in 2010 Example You retired on May 7, 2010. The state
SAMPLE. How to Choose a Medicare Plan
LE P SA M How to Choose a Medicare Plan There are two different paths you can take to get your Medicare benefits: You can choose Original Medicare (Parts A and B). Most people who choose Original Medicare
Express Scripts Medicare TM (PDP) through State of Delaware Medicare Retiree Prescription Plan Frequently Asked Questions
Express Scripts Medicare TM (PDP) through State of Delaware Medicare Retiree Prescription Plan Frequently Asked Questions Section 1 General Information (Questions 1-5) Section 2 Enrollment Information
CENTERS FOR MEDICARE & MEDICAID SERVICES
CENTERS FOR MEDICARE & MEDICAID SERVICES Things to think about when you compare Medicare drug coverage There are 2 ways to get Medicare prescription drug coverage. You can join a Medicare Prescription
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
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
Health Insurance Information for Retirees 2012
Health Insurance Information for Retirees 2012 GROUP MEDICAL INSURANCE AFTER RETIREMENT Continuation Eligibility If you qualify under the State of Tennessee s Insurance Committee rules, you may continue
Make sure you re covered for your biologic medicine!
It s open enrollment time Make sure you re covered for your biologic medicine! Joint Decisions is brought to you by Janssen Biotech, Inc., in partnership with CreakyJoints CreakyJoints Bringing arthritis
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
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)
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
Teachers Retirement Insurance Program
Comparison of Illinois State Retiree Health Insurance Options with Traditional Medicare and Medicare Supplement (Medigap) Insurance Teachers Retirement Insurance Program Insuraprise, Inc. (C) Copyright
Supplemental Medical, Dental, and Life Insurance 2014. Retiree Definition for Health Insurance Continuation
Supplemental Medical, Dental, and Life Insurance 2014 Retiree Definition for Health Insurance Continuation You are age 55 or older with five years of service You are age 50 to 55 with 15 years of service
Frequently Asked Questions: DuPont Retiree Health Plan Changes
New questions and answers added after September 6th, 2012 are shown in blue. The following questions and answers are general in nature. Medicare eligible retirees with specific questions regarding the
Health Coverage with More Choices
Health Coverage with More Choices Get ready for a different approach to health coverage with flexibility to choose a plan that fits your needs. This brochure explains the health coverage for Medicare-eligible
Your Retiree Medical Transition Guide
Your Retiree Medical Transition Guide What you need to know. Prepare for your enrollment. Partner with your own dedicated Benefits Advisor. Get help paying for your coverage. A New Way to Find the Right
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
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
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?...
New Health Coverage with More Choices
New Health Coverage with More Choices Get ready for a new approach to health coverage with more flexibility to choose a plan that fits your needs. Effective January 1, 2015, health care benefits offered
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
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
Planning for health care in retirement
FOR INVESTORS Planning for health care in retirement A guide to covering your medical expenses 1 Not FDIC Insured May Lose Value No Bank Guarantee You can stay on top of health care expenses The confidence
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
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
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
New Coverage & New Choices for Medicare-eligible Retirees
New Coverage & New Choices for Medicare-eligible Retirees What We Will Cover Today What is changing. How this affects Medicare eligible retirees. Extend Health and the services and health plans available
Essentials Rx 15 (HMO) Plan offered by PacificSource Medicare. Annual Notice of Changes for 2014
Essentials Rx 15 (HMO) Plan offered by PacificSource Medicare Annual Notice of Changes for 2014 You are currently enrolled as a member of Essentials Rx 15 (HMO) Plan. Next year, there will be some changes
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...
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 +
welcome to 2016 Annual Enrollment! OCTOBER 15 NOVEMBER 18, 2015
welcome to 2016 Annual Enrollment! OCTOBER 15 NOVEMBER 18, 2015 The purpose of this guide is to help you take a closer look at the five health plan options available to you and show you what s changing,
November 11, 2013 through November 22, 2013
Dear Georgia Tech Retiree, Open enrollment is the one opportunity provided each year to make changes to your existing benefit coverage. The 2014 benefit open enrollment period will be held November 11,
Fee-for-Service. Medicare Supplemental Retiree Health Plans
Sheet Metal Workers Health Plan of Southern California, Arizona & Nevada April 2011 Summary Comparison Of Benefits Available under the Fee-for-Service and Medicare Supplemental Retiree Health Plans Important:
Securing Health Insurance for the Retirement Journey MANAGING RETIREMENT DECISIONS SERIES
Securing Health Insurance for the Retirement Journey MANAGING RETIREMENT DECISIONS SERIES PEOPLE ARE LIVING LONGER in retirement than ever. Maintaining good health will help make those years vibrant. So
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
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
PLANNING FOR RETIREMENT: THE HEALTHCARE WILDCARD. Understanding healthcare costs in retirement // Misconceptions about Medicare // Taking action
PLANNING FOR RETIREMENT: THE HEALTHCARE WILDCARD Understanding healthcare costs in retirement // Misconceptions about Medicare // Taking action KEY TAKEAWAYS Even with supplemental insurance and Medicare,
Answers to Key Medicare Questions Get answers to questions about eligibility, choices, costs, and when and how to sign up.
Answers to Key Medicare Questions Get answers to questions about eligibility, choices, costs, and when and how to sign up. FIDELITY VIEWPOINTS 7/9/15 As the first among her group of close knit friends
University of Southern California USC. USC Senior Care. A Supplemental Plan to Medicare
Senior Care A Supplemental Plan to Medicare What is Senior Care and Who is Eligible? A sponsored supplemental plan to Medicare for former employees of the University of Southern California, their spouses,
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
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
GET READY TO TAKE ACTION!
NEW CHOICES IT S TIME TO CHOOSE THE SUPPLEMENTAL MEDICARE COVERAGE THAT WORKS BEST FOR YOU. ENROLL BY Dec. 31, 2012. ANNOUNCING CHANGES TO YOUR RETIREE HEALTH CARE COVERAGE FOR 2013 GET READY TO TAKE ACTION!
SUMMARY OF BENEFITS. Plan 80 - PGB S5755_16SBL_FDH
2016 SUMMARY OF BENEFITS Plan 80 - PGB JANUARY 1, 2016 DECEMBER 31, 2016 S5755_16SBL_FDH FE270 UA Medicare Group Part D Prescription Drug Program (PDP) (a Medicare Prescription Drug plan (PDP) offered
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
Medicare Advantage Plans. On the Medicare.gov Plan Finder
Medicare Advantage Plans On the Medicare.gov Plan Finder Important Considerations: 2 Before you enroll, REVIEW YOUR MEDICARE CHOICES!! (If you are certain you want a Medicare Advantage Plan, skip to page
FREQUENTLY ASKED QUESTIONS REGARDING CHANGE TO MEDICARE ADVANTAGE PLAN
FREQUENTLY ASKED QUESTIONS REGARDING CHANGE TO MEDICARE ADVANTAGE PLAN Q: What company administers the Medicare Advantage plan? A: The Medicare Advantage plan for the year of 2016 will be administered
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
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
www.booneinsuranceassociates.com Copyright by BIA 1 MEDICARE MADE SIMPLE BIA 1/14/2016 Boone Insurance Associates Education Guide: New
www.booneinsuranceassociates.com Copyright by 1 MEDICARE MADE SIMPLE Boone Insurance Associates Education Guide: New Today s Agenda 2 About Introduction & History of Medicare Medicare Parts A, B, C, D
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
Harvard University 2015 Medical Benefits. High Deductible Health Plan with Health Savings Account Introduction
Harvard University 2015 Medical Benefits High Deductible Health Plan with Health Savings Account Introduction Topics for Discussion High Deductible Health Plan (HDHP) Why Consider? High Deductible Health
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