Medicare At A Glance. State Health Insurance Assistance Program (SHIP)
|
|
|
- Amy Craig
- 8 years ago
- Views:
Transcription
1 2015 Medicare At A Glance Indiana 2015 State Health Insurance Assistance Program (SHIP)
2 Who runs the Medicare Program? The Centers for Medicare & Medicaid Services (CMS) is the Federal agency that runs Medicare. CMS is part of the US Department of Health and Human Services. What is Medicare? Medicare is health insurance for people age 65 or older, under age 65 with certain disabilities, and any age with End- Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant). Medicare has the following parts: Part A (Hospital Insurance) Part B (Medical Insurance) Part C (Medicare Insurance) Part D (Medicare Prescription Drug Coverage) What is Medicare Part A? Medicare Part A helps cover inpatient care in hospitals. This includes critical access hospitals and inpatient rehabilitation facilities. Is also helps cover hospice care, home health care, and skilled nursing facilities (not custodial or long- term care). You must, however, meet certain conditions to get these benefits. Cost: You usually don t pay a monthly premium for Part A coverage if you or your spouse have paid Medicare taxes while working. If you aren t eligible for premium- free Part A, you may be able to buy Part A if you meet the citizenship of residency requirements and you are age 65 or older. You may also be able to buy Part A if you are under age 65, disabled, and your premium- free Part A coverage ended because you returned to work. Paying for Hospital Stays Inpatient Hospital Stays Skilled Nursing Facilities Days 1-60 $1,260 total deductible Days 1 20 $0 Days $315 co- pay per day Days $ per day Days $630 co- pay per day Days All costs Days All costs Page 2
3 What is Medicare Part B? Medicare Part B helps cover medically- necessary services like doctors services, outpatient care, and other medical services. Part B also covers some preventive services with a zero dollar copay and a zero dollar deductible. These include a Welcome to Medicare physical exam, abdominal aortic aneurysm screening, annual wellness exam, bone mass measurements, cardiovascular disease screening, colorectal cancer screening, diabetes screening, mammogram screening, pap test/pelvic exam/clinical breast exam, and vaccines (N1H1 flu, hepatitis B, pneumonia). A copay and deductible may apply to glaucoma tests, HIV screening, Medicare nutrition therapy services, prostate cancer screening, and smoking cessation counseling. Cost: Most people pay the standard Part B Premium each month as well as a $147 annual deductible, although some people may pay a higher premium based on their income. Your monthly premium will be higher than the standard premium if you are single (file an individual tax return) and your yearly modified adjusted gross income is more than $85,000, or if you are married (file a joint tax return) and your yearly modified adjusted gross income is more than $170,000. Your modified adjusted gross income is your adjusted gross (taxable) income plus your tax- exempt interest income. However, the majority of Medicare beneficiaries will pay $ monthly premium. Yearly Income Filed Individual Tax Return File Joint Tax Return Premium $85,000 or less $170,000 or less $ Above $85,000 up to $107,000 Above $107,000 up to $160,000 Above $160,000 up to $214,000 Above $170,000 up to $214,000 Above $214,000 up to $320,000 Above $320,000 up to $428,000 $ $ $ Above $214,000 Above $428,000 $ What is NOT covered by Medicare Part A and Part B? Medicare does not cover all of your medical needs. For example, Medicare does not cover cosmetic surgery, healthcare you get while traveling outside of the United States (except in limited cases), hearing aids, most hearing exams, long- term care (like care in a nursing home), most eyeglasses, most dental care and dentures, and more. Although some of these services may be covered by a Medicare Advantage Plan (like an HMO or PPO). Page 3
4 What is Medicare prescription drug coverage? Medicare offers prescription drug coverage (Part D) for everyone with Medicare. This coverage may help you lower your prescription drug costs and help you protect against higher costs in the future. It can give you greater access to drugs that you can use to prevent complications of diseases and stay well. The initial coverage limit is $2960 with 30 Medicare Prescription Drug Plans (PDPs) available with $15.70 as the lowest monthly premium for a PDP and $22.60 as the lowest monthly premium for a PDP with no deductable in the state of Indiana. To get Medicare drug coverage, you must join a plan run by an insurance company or other private company approved by Medicare. Cost: Each plan can vary in cost and drugs covered. If you join a Medicare drug plan, you usually pay a monthly premium as well as a $320 deductible. If you decide not to join a Medicare drug plan when you are first eligible, you may pay a penalty if you choose to join later. Plan costs and coverage change each year, so all people with Medicare should check to make sure their plan still meets their medical and financial needs. Beginning in 2011, the Affordable Care Act requires Part D enrollees whose income exceeds the same thresholds that apply to higher income Part B enrollees to pay a monthly adjustment amount. Standard Coverage and Cost of Drug Benefits 2015 Stage 1: (Annual Deductible) Stage 2: (Initial Coverage) Stage 3: (Coverage Gap) Stage 4: (Catastrophic Coverage) Coverage Range Medicare Pays Beneficiary Pays $0- $320 0% $0 100% $320 $ $ % $ % $558 55% - Brand Name 35% - Generic $ and Up 95% No Max 45% - Brand Name 65% - Generic 5% or $2.65/ $6.60 No Max Extra Help: Anyone who has Medicare can get extra help with his or her Medicare Part D prescription drug coverage. Some people with limited income and resources are eligible for the Extra Help program to pay for the costs monthly premiums, annual deductibles, and prescription co- payments related to a Medicare prescription drug plan. To qualify, your monthly income must also be limited to $1,478 for an individual or $1,986 for a married couple living together (although in some cases even if your annual income is higher you still may be eligible for Extra Help). Your resources must be limited to $13,440 for an individual or $26,860 for a married couple living together. Resources include such things as bank accounts, stocks, and bonds. Page 4
5 Hoosier Rx: Hoosier Rx is Indiana's prescription drug plan for low- income seniors. If you are an Indiana resident, age 65 or over, receive a low monthly income, and are without insurance that has a prescription drug benefit, you may qualify. Hoosier Rx does not consider your assets, it only considers your income. So if your yearly net income is $17,745 or less for an individual or $23,835 or less for a couple, you could receive help paying for your Medicare prescription drug costs. To apply, call free of charge When can I make changes to my coverage? You can make changes to your Medicare health or prescription drug coverage during the Annual Election Period, between October 15 th to December 7 th, Depending on your situation, there may be other times when you can change your Medicare health or prescription drug coverage. You can make also make changes to your Medicare Advantage Plan during Annual Disenrollment Period, between January 1 to February 14 every year. Coverage begins the first of the month after you switch. You may also elect to join a Medicare Part D plan during this change. What are my Medicare health plan choices? You can choose different ways to get your Medicare benefits delivered. Most people get their health care coverage through Original Medicare or a Medicare Advantage Plan (similar to a HMO or PPO). Your costs vary depending on your coverage and the services you use. Original Medicare, which provides Medicare Part A and Part B coverage, is a fee- for- service plan managed by the Federal government. This means you are usually charged for each health care service or supply you get. For some services, you will pay an amount called a deductible before Medicare pays its part. Then, when you get a Medicare- covered medical supply or service, Medicare pays its share of the cost of the supply or service, and you pay your share, called the coinsurance or a copayment. You can also join a Medicare Prescription Drug Plan to get prescription drug coverage. Medicare Advantage Plans are health plan options that are approved by Medicare and run by private companies. These plans are part of Medicare, and are sometimes called Part C Plans. They provide all your Part A and Part B covered services. Medicare Advantage Plans may offer extra coverage and most include Medicare prescription drug coverage (usually for an extra cost). You may need a referral to see a specialist. In some plans, you can only see doctors who belong to the plan or go to certain hospitals to get covered services. In addition to Original Medicare or a Medicare Advantage Plan, you may be able to join other types of Medicare health plans. Page 5
6 Can I have other types of health insurance? Yes. You may already have health coverage such as employer or retiree coverage or another type of health insurance. There are times when your other coverage or health insurance must pay before Medicare pays. Talk to your benefits administrator to see how your other coverage or health insurance works with Medicare. If you have Original Medicare, you might also want to buy a Medigap (sometimes called Medicare Supplement Insurance ) policy. A Medigap policy, sold by private insurance companies, can help pay some of the health care costs ( gaps ) that Original Medicare doesn t cover, like copayments, coinsurance, and deductibles. How can I get help to pay Medicare costs? There are programs that help millions of people with Medicare save money each year. If you have limited income and resources, your states may help pay Medicare premiums and, in some cases, may also pay Medicare deductibles and coinsurance. To find out if you qualify call Indiana s Area Agency on Aging (AAA) toll free at Medicaid Income $993 (single) $1,331 Assets $2,000 (single) $3,000 (married) Qualified Medicare Beneficiary Specified Low Income Beneficiary Qualified Individual $1,480 (single) $7,160 (single) $1,987 (married) $10,750 (married) $1,674 (single) $7,160 (single) $2,249 (married) $10,750 (married) $1,820 (single) $7,160 (single) $2,445 (married) $10,750 (married) Page 6
7 Where can I get more information? For more information about getting Extra Help with your Medicare prescription drug plan costs, visit or call Social Security at (TTY ) to speak with a representative. Social Security representatives are available to help you complete your application. If you need information about Medicare Savings Programs, Medicare prescription drug plans, how to enroll in a plan, or to request a copy of the Medicare & You 2012 handbook, please visit or call MEDICARE ( (TTY, ) to speak with a Medicare counselor. You also can request information from the State Health Insurance Assistance Program (SHIP) at or TDD line for the hearing impaired at to speak with a SHIP counselor or visit In addition, you can find your local SHIP contact information on the back of your Medicare handbook or obtain the information online at Page 7 CS 11/2014
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
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,
Medicare Benefit Review
Medicare Benefit Review What is Medicare? Medicare is Health Insurance For people 65 or older For people under 65 with certain disabilities For people at any age with End-Stage Renal Disease (permanent
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
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
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
About to Retire: Preparing for Medicare Patient Financial Services Agenda Medicare Enrollment Covered Services Medicare-covered covered Preventive Services Agenda, continued Advance Beneficiary Notice
2015 Plan Guide ALLEGIAN ADVANTAGE (HMO) H8554_013-2015 Accepted
2015 Plan Guide ALLEGIAN ADVANTAGE (HMO) H8554_013-2015 Accepted Allegian Advantage is an HMO plan. We proudly serve Texas residents in Cameron, Hidalgo and Willacy counties, offering doctor, hospital
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
Oklahoma Higher Education Employee Insurance Group Educational Meeting Welcome!
Oklahoma Higher Education Employee Insurance Group Educational Meeting Welcome! The benefit information provided herein is a brief summary, but not a comprehensive description of available benefits. Additional
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
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
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
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?
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
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
Medicare, Medicaid, and CHIP
Medicare, Medicaid, and CHIP CMS National Training Program April 2013 Session Topics 1. Introduction to Medicare 2. Medicaid and new eligibility group 3. Children s Health Insurance Program (CHIP) 2 What
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
Essentials Choice Rx 25 (HMO-POS) offered by PacificSource Medicare
Essentials Choice Rx 25 (HMO-POS) offered by PacificSource Medicare Annual Notice of Changes for 2016 You are currently enrolled as a member of Essentials Choice Rx 25 (HMO-POS). Next year, there will
Health insurance is often confusing. Medicare Part A, Part B,
Medicare WHAT YOU NEED TO KNOW 2015 A publication of the Senior Health Insurance Information Program Contents 2 What is Medicare? Part A and Part B 3 2015 Medicare Benefit Chart What is covered and what
Essentials Choice Rx 24 (HMO-POS) offered by PacificSource Medicare
Essentials Choice Rx 24 (HMO-POS) offered by PacificSource Medicare Annual Notice of Changes for 2016 You are currently enrolled as a member of Essentials Choice Rx 24 (HMO-POS). Next year, there will
Overview Medicare Program Basics. Part 1
Overview Medicare Program Basics Part 1 Version 9.0 June 22, 2015 Terms and Conditions This training program is protected under United States Copyright laws, 17 U.S.C.A. 101, et seq. and international
Medicare. Chapter. In This Chapter
Medicare Medicare is a federal health insurance program for people age 65 and over, for some disabled people under age 65, and for people with end stage renal failure. This chapter does not discus Medicaid,
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
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
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
Tribute. 2015 Summary of Benefits. Health Plan of Oklahoma. Tribute Health Plan of Oklahoma HMO SNP
Tribute Health Plan of Oklahoma Tribute Health Plan of Oklahoma HMO SNP 2015 Summary of Benefits This booklet gives you a summary of what we cover and what you pay. It doesn t list every service that we
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
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
Medicare Medical Savings Account Plans
CENTERS FOR MEDICARE & MEDICAID SERVICES Your Guide to Medicare Medical Savings Account Plans This official government booklet has important information about Medicare Medical Savings Account Plans: How
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
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
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
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
Your Guide to Medicare Medical Savings Account (MSA) Plans
Your Guide to Medicare Medical Savings Account (MSA) Plans This official government booklet has important information about Medicare Medical Savings Account (MSA) Plans: How plans work How to decide if
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
Summary of Benefits Community Advantage (HMO)
Summary of Benefits Community Advantage (HMO) January 1, 2015 - December 31, 2015 This booklet gives you a summary of what we cover and what you pay. It doesn't list every service that we cover or list
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
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
Am I eligible to join Martin s Point Generations Advantage? When can I sign up for Martin s Point Generations Advantage?
Martin s Point Generations Advantage Frequently Asked Questions Be sure to review the Medicare & You handbook from Medicare. If you haven t received it yet, you can visit www.medicare.gov and request a
[2015] SUMMARY OF BENEFITS H1189_2015SB
![[2015] SUMMARY OF BENEFITS H1189_2015SB](/thumbs/32/15705129.jpg "[2015] SUMMARY OF BENEFITS H1189_2015SB")
[2015] SUMMARY OF BENEFITS H1189_2015SB Section I You have choices in your health care One choice is to get your Medicare benefits through Original Medicare (fee-for-service Medicare). Original Medicare
2016 Summary of Benefits
2016 Summary of Benefits Health Net Violet Option 3 (PPO) Douglas and Josephine counties, OR Benefits effective January 1, 2016 H5520 Health Net Life Insurance Company H5520_2016_0202 CMS Accepted 09162015
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
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
Medicare. Orientation Guide
Medicare Orientation Guide Your Medicare Orientation Guide At MCS Classicare (HMO), we take care of you so you feel better every day. That s why we want to get you familiar and provide you with the tools
Independent Health s Medicare Passport Advantage (PPO)
Independent Health s Medicare Passport Advantage (PPO) (a Medicare Advantage Preferred Provider Organization Option (PPO) offered by INDEPENDENT HEALTH BENEFITS CORPORATION with a Medicare contract) Summary
Summary of Benefits January 1, 2016 December 31, 2016. FirstMedicare Direct PPO Plus (PPO)
Summary of Benefits January 1, 2016 December 31, 2016 FIRSTCAROLINACARE INSURANCE COMPANY FirstMedicare Direct PPO Plus (PPO) Chatham, Hoke, Lee, Montgomery, Moore, Richmond, Scotland Counties This booklet
MEDICARE PARTS A, B, AND C
MEDICARE PARTS A, B, AND C B A S I C B E N E F I T S T R A I N I N G E L D E R B E N E F I T S P R O G R A M S F E B R U A R Y 2 5, 2 0 1 5 D O N N A M C C O R M I C K M E D I C A R E A D V O C A C Y P
2015 Summary of Benefits
2015 Summary of Benefits Value (HMO-POS) Essentials Rx (HMO-POS) (H4270) January 1, 2015 - December 31, 2015 Western Wisconsin (26 Counties) H4270_082914_1 CMS Accepted (09032014) SECTION I INTRODUCTION
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
Coverage Basics. Your Guide to Understanding Medicare and Medicaid
Coverage Basics Your Guide to Understanding Medicare and Medicaid Understanding your Medicare or Medicaid coverage can be one of the most challenging and sometimes confusing aspects of planning your stay
2015 Summary of Benefits
2015 Summary of Benefits Effective January 1, 2015, through December 31, 2015 H3952 Y0041_H3952_KS_15_18734 Accepted 09/01/2014 Section I: Introduction to Summary of Benefits You have choices about how
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
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
FIRSTCAROLINACARE INSURANCE COMPANY 2015 Summary of Benefits. FirstMedicare Direct PPO Plus (PPO)
FIRSTCAROLINACARE INSURANCE COMPANY 2015 Summary of Benefits FirstMedicare Direct PPO Plus (PPO) Chatham, Hoke, Lee, Montgomery, Moore, Richmond, Scotland Counties 1 P age SECTION I - INTRODUCTION TO SUMMARY
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,
2015 Summary of Benefits
2015 Summary of Benefits Effective January 1, 2015, through December 31, 2015 H3909 Y0041_H3909_PC_15_18889 Accepted 09/01/2014 Section I: Introduction to Summary of Benefits You have choices about how
Contact Social Security
Medicare Contact Social Security Visit our website Our website, www.socialsecurity.gov, is a valuable resource for information about all of Social Security s programs. At our website you also can: Apply
Summary of Benefits JANUARY 1 THROUGH DECEMBER 31, 2015. HealthPlus MedicarePlus Essential HealthPlus MedicarePlus Classic CMS Contract #H1595
Summary of Benefits JANUARY 1 THROUGH DECEMBER 31, 2015 HealthPlus MedicarePlus Essential HealthPlus MedicarePlus Classic CMS Contract #H1595 For Medicare-eligible beneficiaries residing in Arenac, Bay,
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...
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
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
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
January 1, 2015 December 31, 2015 Summary of Benefits. Advantra (HMO) H3928-001 80.06.360.1-LA1
January, 205 December 3, 205 Summary of Benefits H3928-00 80.06.360.-LA Y0022_205_H3928_00_LA Accepted 9/204 Summary of Benefits January, 205 December 3, 205 This booklet gives you a summary of what we
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
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
January 1, 2016 December 31, 2016. Summary of Benefits. Aetna Medicare Value Plan (HMO) H3312-060 H3312.060.1
January 1, 2016 December 31, 2016 Summary of Benefits H3312-060 H3312.060.1 Y0001_2016_H3312_060 Accepted 9/2015 Summary of Benefits January 1, 2016 December 31, 2016 This booklet gives you a summary 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
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
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
2015 Medicare Advantage Summary of Benefits
2015 Medicare Advantage Summary of Benefits HNE Medicare Premium No Rx and HNE Medicare Basic No Rx January 1, 2015 - December 31, 2015 H8578_2015_034 Accepted HNE MEDICARE ADVANTAGE ENROLLMENT KIT 2015
2015 Summary of Benefits
2015 Summary of Benefits January 1, 2015 December 31, 2015 Houston/Beaumont Area Y0067_PRE_H4506_SETX_SB41_0814 CMS Accepted 09/13/2014 HMO-SETX-SB K41 2015 Section I Introduction to Summary of Benefits
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:
Summary of Benefits. Prime (HMO-POS) and Value (HMO) January 1, 2015 December 31, 2015 G ENERATIONS A DVANTAGE 1-888-408-8285 (TTY: 711)
Summary of s and January 1, 2015 December 31, 2015 G ENERATIONS A DVANTAGE For more information about benefits or enrollment, call us or visit our website at www.martinspoint.org/medicare. 1-888-408-8285
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
CENTERS FOR MEDICARE & MEDICAID SERVICES. & Medicare. You
CENTERS FOR MEDICARE & MEDICAID SERVICES & Medicare You 2012 This is the official U.S. government Medicare handbook: Open Enrollment now begins October 15 and ends December 7 to give you more time to choose
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
How To Get A Health Insurance Plan From Ctf
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
Wisconsin Guide to Health Insurance for People with Medicare
Wisconsin Guide to Health Insurance for People with Medicare 2011 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
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:
HNE Premier 1 (HMO) and HNE Premier 2 (HMO)
2016 Medicare Advantage Summary of Benefits HNE Premier 1 (HMO) and HNE Premier 2 (HMO) January 1, 2016 - December 31, 2016 H8578_2016_429 Accepted HNE MEDICARE ADVANTAGE ENROLLMENT KIT 2016 SECTION I
January 1, 2015 December 31, 2015
BLUESHIELD FOREVER BLUE MEDICARE PPO VALUE AND BLUESHIELD MEDICARE PPO 750 (PPO) (a Medicare Advantage Preferred Provider Organization (PPO) offered by HEALTHNOW NEW YORK INC. with a Medicare contract)
Introduction to the Summary of Benefits for Traditional Blue Medicare PPO 701 Plus, 751 Part D and 752 Part D
Introduction to the Summary of Benefits for, 751 Part D and 752 Part D January 1, 2007 - December 31, 2007 BlueCross BlueShield of Western New York CMS Contract #H5526 Thank you for your interest in PPO.
CENTERS FOR MEDICARE & MEDICAID SERVICES. Enrolling in Medicare Part A & Part B
CENTERS FOR MEDICARE & MEDICAID SERVICES Enrolling in Medicare Part A & Part B The information in this booklet was correct when it was printed. Changes may occur after printing. Visit www.medicare.gov
PLAN DESIGN AND BENEFITS PROVIDED BY AETNA HEALTH INC
PLAN FEATURES Deductible (per calendar year) $0 Deductible Unless otherwise indicated, the Deductible must be met prior to benefits being payable. Deductible is NOT applicable to Hearing Aid Reimbursement,
2015 Summary of Benefits
2015 Summary of Benefits Plans 003 and 004 H6298_14_027 accepted Summary of Benefits January 1, 2015 - December 31, 2015 This booklet gives you a summary of what we cover and what you pay. It doesn t list
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
Choosing a Medicare Advantage plan you ll be confident in.
Choosing a Medicare Advantage plan you ll be confident in. Indiana University Health Plans is a Medicare Advantage organization with a Medicare contract. Continued enrollment depends on the contract between
Annual Notice of Changes for 2015
Cigna HealthSpring Premier (HMO POS) offered by Cigna HealthSpring Annual Notice of Changes for 2015 You are currently enrolled as a member of Cigna HealthSpring Premier (HMO POS). Next year, there will
Medicare has four components, Part A, Part B Part C and Part D:
Medicare What is Medicare? Medicare is a National Health Insurance Program for people 65 years of age and older Certain persons with disabilities under the age of 65 People with end stage renal disease
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
SHIIP Combo Form. 1-855-408-1212 www.ncshiip.com. North Carolina Department of Insurance Wayne Goodwin, Commissioner
SHIIP Combo Form Seniors Health Insurance Information Program North Carolina Department of Insurance Wayne Goodwin, Commissioner 1-855-408-1212 www.ncshiip.com What is SHIIP? Seniors Health Insurance Information
2016 Guide to Understanding Your Benefits
2016 Guide to Understanding Your Benefits Additional information about covered benefits available from Health Net Healthy Heart (HMO) Plan Alameda, Stanislaus counties, CA Lisa Pasillas-Le, Health Net
Annual Notice of Changes for 2015
Coventry Advantage (no drug) (HMO) offered by Coventry Health Care of Missouri, Inc. Annual Notice of Changes for 2015 You are currently enrolled as a member of Coventry Advantage (no drug) (HMO). Next
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
CDPHP CLASSIC (PPO) CDPHP CORE RX (PPO) CDPHP CLASSIC RX (PPO) CDPHP PRIME RX (PPO)
Introduction to the Summary of Benefits Report for CDPHP CLASSIC (PPO) CDPHP CORE RX (PPO) CDPHP CLASSIC RX (PPO) CDPHP PRIME RX (PPO) January 1, 2015 December 31, 2015 CAPITAL, CENTRAL, SOUTHERN TIER,
How To Compare Your Medicare Benefits To Health Net Ruby Select (Hmo)
2015 Summary of Benefits Health Net Ruby Select (HMO) Maricopa and Pinal counties Benefits effective January 1, 2015 H0351 Health Net of Arizona, Inc. Material ID # H0351_2015_0258 CMS Accepted 08302014
How To Buy A Medigap Policy
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:
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.
Medicare: Who, What, When, Where
Medicare: Who, What, When, Where 1. Who administers Medicare? The Centers for Medicare and Medicaid Services (CMS), a part of the Department of Health and Human Services (HHS), administers the Federal