Medicare Basics and Medicare Advantage
|
|
|
- Barbra Parks
- 8 years ago
- Views:
Transcription
1 Medicare Basics and Medicare Advantage
2 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 kidney failure treated with dialysis or a transplant) 2
3 Medicare has four (4) parts Parts A and B Part A Covers inpatient hospital, skilled nursing facility care, home health and hospice Part B Covers doctor, laboratory, x ray, and ambulance services Covers durable medical equipment (wheelchairs, hospital beds) and blood and medical supplies 3
4 Medicare has four (4) parts Parts C and D Part C Private Health Plans: Part D Health Maintenance Organizations (HMO s) Preferred Provider Organizations (PPO s) Covers outpatient prescription drugs available through Medicare private drug plans or Medicare private health plans 4
5 Eligibility Must be a U.S. citizen or have been a permanent legal resident for 5 continuous years and be 65 years or older: or Under 65, disabled and have been receiving Social Security Disability Insurance (SSDI) for at least 24 months 5
6 Eligibility (cont d) Receiving continuing dialysis for permanent kidney failure or need a kidney transplant; or Have Amyotrophic Lateral Sclerosis (ALS Lou Gehrig's disease). 6
7 Medicare Cost Sharing 2011 Part A Part A No premium if individual or spouse worked 10 years or more Inpatient hospital $1132 deductible per benefit period No coinsurance for days 1 60 $283 daily coinsurance for days $566 daily coinsurance for days Skilled Nursing Facility No deductible for each benefit period No coinsurance for days 1 20 $ daily coinsurance
8 Medicare Cost Sharing 2011 Part B Part B Premium $ if annual income is below $85,000 ($170,000 for couples). If income is higher, premium will be higher Annual deductible $162 20% for physician and other medical services 45% for outpatient mental health services 8
9 Medicare Cost Sharing 2011 Part C Part C May have a monthly premium/varies by plan and other cost sharing depends on plan 9
10 Medicare Cost Sharing 2011 Part D Part D May have a monthly premium/varies by plan Annual deductible $310 Initial coverage 25% cost sharing to meet limit of $2,840 Coverage Gap when total drug spend exceeds $2,840, cost sharing is 50% brand and 93% generic Catastrophic total drug spend $4,550, cost sharing is 5% or $2.50 generic and $6.30 brand 10
11 Medicare Coverage Rules Item or service must be reasonable and necessary for the diagnosis or treatment of illness or injury or to improve the functioning of a malformed body member, and Not be statutorily excluded 11
12 Medicare The Exclusions Dental care Cosmetic Surgery Personal Care Private duty nursing Long term care Chiropractic services (except a subluxation when one or more of the bones of your spine moves out of position using manipulation of the spine) Care outside of the United States Hearing aids (except certain implants for extreme hearing loss) Eyeglasses (except after cataract surgery) Custodial care (unless skilled nursing care is provided) Acupuncture 12
13 Medicare Advantage Medicare does not cover all the cost as noted above Most people on Medicare purchase supplemental insurance also know as a MediGap policy which fills in the gaps 13
14 Medicare Advantage Medicare Advantage plans are an alternative to Medicare supplements When a Medicare beneficiary selects a Medicare Advantage plan they no longer need a supplement 14
15 How Medicare Advantage Works A private health organization contracts with Medicare for a certain plan type and service area The plan types include Health Maintenance Organization, Preferred Provider Organization, Private Fee for Service, Medicare Savings Account and Special Needs Plan 15
16 How Medicare Advantage Works Plans may be local and designate certain counties in a particular state as the service area Plans may be regional but must be a PPO and cover the entire region with a uniform benefit package (There are 26 Medicare Advantage regions) 16
17 How Medicare Advantage Works Medicare Advantage plans must cover everything original Medicare covers and beginning in 2006, in general, must also offer Part D benefits as well Plans are allowed to enhance benefits above and beyond original Medicare, however, premium increases or increases in cost sharing can only occur in January after approval from CMS and advance notice to enrollees. 17
18 Enrollment and Eligibility The enrollee must: Be entitled to Medicare Part A and enrolled in Medicare Part B Live in the health plan s service area Not have ESRD (require a routine course of dialysis or kidney transplant)* Agree to follow the rules of the health plan *There are some exceptions 18
19 Enrollment and Eligibility For Special Needs Plan the enrollee must: Be dual eligible; or Have a certain specified health condition; or Be institutionalized 19
20 Enrollment and Eligibility There are specific enrollment periods for Medicare Advantage (similar to employer group) Those eligible for Special Needs Plans may elect a plan at any point in the year with an effective date the first of the following month 20
21 Other Noteworthy Issues Medicare Advantage enrollees are entitled to all of their Medicare benefits as Medicare beneficiaries Medicare Advantage plans pay all claims. Enrollees use the plan card, not the red, white, and blue Medicare card. The plan is paid each month for every enrollee and payment is based on the health status of the enrollee also referred to as risk adjustment payments. 21
22 Other Noteworthy Issues Enrollment and disenrollment is always effective the first day of each month. The health plan is regulated by the CMS regional office assigned to the health plan s state There are numerous reporting requirements There are certain important changes to Medicare Advantage under health care reform 22
23 Health Care Reform Payment to MA plans is linked to a beneficiary s experience and quality of care Higher performing plans will be paid more These quality incentives will help offset payment reductions included in the new law The end result will be that plans will see revenue decrease an estimated 12% by 2017 Starting in 2012, bonus payments are available for high performing plans 23
24 Health Care Reform Star Ratings Sources CMS data on quality and member satisfaction CAHPS Medicare HEDIS HOS Plans must have at least 4 stars to receive a bonus 24
About to Retire: Preparing for Medicare Patient Financial Services Agenda Medicare Enrollment Covered Services Medicare-covered covered Preventive Services Agenda, continued Advance Beneficiary Notice
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 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
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
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 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
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
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
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 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
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
MEDICARE. Understanding the basics of the Medicare Program.
MEDICARE 101 Understanding the basics of the Medicare Program. Table of Contents 01. 05. 13. 17. 25. 29. The History of Medicare What is Medicare? Who is Eligible? Medigap Plans Medicare Advantage (MA)
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
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
Kaiser Permanente Guide to Medicare Basics
Kaiser Permanente Guide to Medicare Basics The National Medicare program, which was created in 1965, has given people peace of mind and the security of knowing they ll have access to health coverage. Medicare
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
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 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
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
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
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
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
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?
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
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
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
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
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
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
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
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 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
Medicare, Social Security & Health Savings Accounts for Active Employees
Medicare, Social Security & Health Savings Accounts for Active Employees ORNL Benefits October 2015 ORNL is managed by UT-Battelle for the US Department of Energy Table of Contents Health Savings Accounts
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 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
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
Medicare: An Overview
Medicare: An Overview Presented by Elaine Wong Eakin Project Manager This special regional educational effort is supported by funding provided by the California HealthCare Foundation Our Focus is dedicated
MEDICARE 101. Medicare 101. presented by Fairfax County s Virginia Insurance Counseling and Assistance Program (VICAP) 2015. Medicare 101 6/9/2015 1
MEDICARE 101 presented by Fairfax County s Virginia Insurance Counseling and Assistance Program (VICAP) 2015 6/9/2015 1 What Is Medicare? A health insurance program for people 65 years of age and older
Private Fee-For-Service ----- Beneficiary Questions and Answers
Private Fee-For-Service ----- Beneficiary Questions and Answers 1. What Is a Private Fee-For-Service Plan? A Private Fee-For-Service plan is a Medicare Advantage health plan offered by a private insurance
(800) 827-9990. HealthMarkets.com
(800) 827-9990 HealthMarkets.com Contents 4 Medicare: What is it? 6 Diving into Medicare Parts 9 Medicare Supplement Insurance: Medigap 11 How to Pick a Medicare Policy 12 Enrolling in Medicare 16 Special
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,
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
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
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
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
Employer Insurance & Medicare
Employer Insurance & Rights Center The Rights Center is a national, notfor-profit consumer service organization that works to ensure access to affordable health care for older adults and people with disabilities
A Conversation About Medicare Part A, B, C and D
Please take this moment to convert the display to Full Screen A Conversation About Medicare Part A, B, C and D www..com A Conversation About Medicare Part A, B, C and D www.healthcaremedicalpharmaceuticaldirectory.com
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
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
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.
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
Harvard Pilgrim s. Medicare Supplement Plan. Simple, smart solutions to supplement your Medicare coverage. Massachusetts
Harvard Pilgrim s Medicare Supplement Plan Simple, smart solutions to supplement your Medicare coverage Massachusetts Coverage underwritten by HPHC Insurance Company, an affiliate of Harvard Pilgrim Health
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
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 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
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
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
MEDICARE Medigap-PFFS-Long-Term Care Insurance
MEDICARE Medigap-PFFS-Long-Term Care Insurance Medicare is a health insurance program for persons age 65 and older, people who have received Social Security Disability benefits for 24 consecutive months,
L.A. Care s Medicare Advantage Special Needs Plan
L.A. Care s Medicare Advantage Special Needs Plan Summary of Benefits 2008 for people with Medicare and Medi-Cal Thank you for your interest in L.A. Care Health Plan. Our plan is offered by L.A. CARE
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
Medicare. Medicare Overview. Medicare Part D Prescription Plans. Medicare
58 requires enrollment as soon as a retiree, spouse or dependent of a retiree is eligible for. Parts A & B MUST be elected. Overview There are three parts to : Hospital Insurance (also called Part A. Your
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
Bancorp Insurance Medicare Vocabulary
Bancorp Insurance Medicare Vocabulary Advance Beneficiary Notice (ABN) A notice indicating the cost of a service that Medicare might not cover. Accepting Assignment Your Doctor agrees to accept payment
Health Partners Plans Provider Manual Health Partners Plans Medicare Benefits Summary
5 Health Partners Plans Provider Manual Health Partners Plans Medicare Benefits Summary Purpose: This chapter provides a benefit summary for Health Partners Plans Medicare members, by plan. Topics: Health
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
Health Partners Plans Provider Manual Health Partners Medicare Benefits Summary
5 Health Partners Plans Provider Manual Health Partners Medicare Benefits Summary Purpose: This chapter provides a benefit summary for Health Partners Medicare members, by plan. Topics: Health Partners
MEDICARE ADVANTAGE HEALTH PLAN OPTIONS
MODULE 5: MEDICARE ADVANTAGE HEALTH PLAN OPTIONS Objectives Below are the topics covered in Module 5, Medicare Advantage (MA) Health Plan Options. This module will help to ensure that HIICAP counselors
Medicare, Social Security & Health Savings Accounts. January 30, 2014
Medicare, Social Security & Health Savings Accounts January 30, 2014 Today s Discussion Medicare Basics What is Medicare? Medicare Parts A & B Medicare Eligibility/Definitions Medicare & Health Savings
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
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
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...
[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
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
BCN65 NONGROUP COVERAGE DISCLOSURES
BCN65 NONGROUP COVERAGE DISCLOSURES BCN65 is not a supplemental product. It is not designed to fit with. It may not fit all of the gaps in and it may duplicate some benefits. If you are eligible for, review
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
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:
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
How To Get A Medicare Plan
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
Evidence of Coverage:
January 1 December 31, 2016 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Advantra Silver (HMO) This booklet gives you the details about
Health Pricing Boot Camp August 10-11, 2009 Session 1b: Medicare Coverage for the Aged and Disabled
Health Pricing Boot Camp August 10-11, 2009 Session 1b: Medicare Coverage for the Aged and Disabled Charles P. Miller, FSA, MAAA Introductions Daniel W. Bailey, FSA, MAAA Ingenix Consulting Russell D.
Celebrating 65 (SM) Your Road to Retirement
Celebrating 65 (SM) Your Road to Retirement TABLE OF CONTENTS What is........................ 2 In this Brochure................................. 3 Making Sense of Social Security....................
SUMMARY OF MEDICAL BENEFITS FOR OFFICIAL GVSU RETIREES. For Faculty and Staff Members Hired Prior to January 1, 2014
SUMMARY OF MEDICAL BENEFITS FOR OFFICIAL GVSU RETIREES For Faculty and Staff Members Hired Prior to January 1, 2014 2014 Medical Coverage Official Retirees of GVSU may purchase medical coverage in the
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
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
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
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
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
Customer Care Center Hours: October 15, 2014 - February 14, 2015 8:00 a.m. to 8:00 p.m. Monday - Sunday
ENROLLMENT APPLICATION FOR DEANCARE MEDICARE COST PLAN Customer Care Center: 1277 Deming Way, Madison, WI 53717 (888) 422-3326 TTY users dial 711 Fax (608) 836-9620 February 15, 2014 - October 14, 2014
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
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.
Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Molina Medicare Options Plus HMO SNP
January 1 December 31, 2015 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Molina Medicare Options Plus HMO SNP This booklet gives you the
Contacting Social Security Visit our website www.socialsecurity.gov Call our toll-free number 1-800-772-1213 1-800-325-0778
Medicare Contacting Social Security Visit our website Our website, www.socialsecurity.gov, is a valuable resource for information about all of Social Security s programs. At our website you also can: Apply
Health Matters. A Guide for Medicare-Eligible Health Care Options. Important health plan information enclosed.
Health Matters A Guide for Medicare-Eligible Health Care Options Important health plan information enclosed. Why am I receiving this booklet? Through Lockton Select Marketplace, we are able to offer a
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?...
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
Medicare Supplement (Medigap) Coverage for Medicare Beneficiaries
Medicare Supplement (Medigap) Coverage for Medicare Beneficiaries Brian Webb Manager, Health and Life Policy Nat l Assoc. of Insurance Commissioners February 6, 2009 Original Medicare Created in 1965,
Medicare and People with Disabilities: An Overview
FACT SHEET Medicare and People with Disabilities: An Overview (I-001) p. 1 of 5 Medicare and People with Disabilities: An Overview This fact sheet provides basic information on Medicare for people with
How To Contact Us
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
2015 Summary of Benefits
2015 Summary of Benefits Health Net Healthy Heart (HMO) Placer and Sacramento counties, CA Benefits effective January 1, 2015 H0562 Health Net of California, Inc. Material ID # H0562_2015_0273 CMS Accepted
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