TABLE OF CONTENTS TIME ON CLOCK(HR/MIN/SEC) YOUR MEDICARE CHOICES
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2 TABLE OF CONTENTS SUBJECT TIME ON CLOCK(HR/MIN/SEC) INTRODUCTION 00:00:00 YOUR MEDICARE CHOICES 00:03:31 ENROLLMENT PERIODS 00:05:17 PENALTIES FOR LATE ENROLLMENT 00:15:26 DECISION MAKING AT 65 00:19:30 MORE ABOUT YOUR OPTIONS AND EMPLOYER PLANS 00:20:21 PART A DETAILS 00:34:28 PART B DETAILS AND MEANS TESTING 00:38:48 SUPPLEMENT PLAN DETAILS (MEDIGAP) 00:42:53 PRESCRIPTION DRUG PLAN DETAILS (PART D) 00:51:37 MEDICARE ADVANTAGE PLAN DETAILS (PART C) 01:03:44 IMPACT OF HEATHCARE REFORM ON ADVANTAGE PLANS 01:08:20 MEDICARE COSTS 01:11:36 CHANGES AFTER YOU ARE ON MEDICARE 01:14:30 HOW DO MOST INDIVIDUALS MAKE THEIR DECISIONS 01:18:08 MEDICARE SIMPLIFIED PERSONAL CONSULTING SERVICES 01:20:22 (THE VIDEO IS ABOUT 1 HOUR AND 25 MINUTES)
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7 Medicare Supplement (Medigap) Plans Open Enrollment Period - This period lasts for 6 months and begins on the first day of the month in which you are both age 65 or older and enrolled in Part B (some states have additional open enrollment periods). There may be some exceptions if you miss the open enrollment period.
8 Medicare Prescription Drug Plan Part D When you first become eligible for Medicare Initial Enrollment Period as described earlier. Within 63 days of not having creditable drug coverage. Between October 15 December 7 (dates may change each year). Your coverage will begin January 1st of the following year. Note: May have penalties.
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13 Option 1 Part A and B (Original Medicare + Medicare Supplement (Medigap) Option 2 Medicare Advantage Plan Other Coverage (PPO, HMO, PFFS or MSA) (Must have Part A and Part B) Cannot buy a Supplement Plan + Medicare Prescription Drug Plan Part D Option 3 Drug coverage is Normally included Current or previous Employer of yours or your spouse, a Pension Plan, a Union or the Military
14 Option 1 Original Medicare Part A Hospital and Part B Medical Through the government Out of pocket exposure Supplement Plans Offered by private insurance companies Helps pay some (or most) of costs of Medicare covered services not paid by Part A and Part B Prescription Drug Coverage Offered by private insurance companies Helps pay for some of the cost of prescription medications
15 Option 2 Medicare Advantage Plans Offered by private insurance companies Must have Part A and Part B Many include prescription drug coverage HMO, PPO, PFFS, MSA, SNP Cannot have Advantage Plan and Supplement Plan
16 Option 3 Other coverage Current / previous employer (you or spouse), a Pension Plan, a Union or the Military Full coverage Drug Coverage Creditable May need nothing Through Medicare Supplement and Drug Coverage Drug Coverage Creditable Need Part A and B Drug Coverage Drug Coverage Creditable Need Part A and B + Supplement/Drugs or + Advantage Plan
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39 Premiums for Medicare (All premiums are per month and per person) Option 1 ORIGINAL MEDICARE Part A FREE Part B $ (or more) SUPPLEMENT PLANS National Range Normal Range $25 - $1,200 $50 - $200 DRUG PLANS National Range $15 - $125 National Average $30 Social Security :
40 Premiums for Medicare (All premiums are per month and per person) Option 1 Option 2 ORIGINAL MEDICARE Part A FREE Part B $ (or more) ADVANTAGE PLAN Part A FREE Part B $ (or more) SUPPLEMENT PLANS National Range Normal Range $25 - $1200 $50 - $200 ADVANTAGE PLAN ADDITIONAL PREMIUM RANGE National Range Normal Range $25 - $1200 $50 - $200 DRUG PLANS National Range National Average $15 - $125 $30
41 Making Changes
42 Changes you want to make
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46 Factors for Decisions Our Health Our Doctors Our Travel Habits Our Finances Our Medications Where We Live Our Risk Tolerance
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48 Personalized Medicare Study with One on One Consulting through Medicare Simplified Cost All pricing is subject to change. $225 This covers all written reports and phone calls for an individual. $50 additional charge If you are married and we review both spouses at the same time. If we review a spouse s situation in a different year, the cost for the spouse will be half of the current price. The pricing varies for any future services through Medicare Simplified based on the service. We are up front before any services are performed.
49 How to sign up for the Personalized Medicare Study with One on One Consulting Go to Contact Us on our website: Call Note: Please provide your name and phone number. Copyright 2013 Medicare Simplified. All rights reserved.
50 Produced by Medicare Simplified Copyright 2013 Medicare Simplified. All rights reserved.
Medicare Educational Video. Presented by: Medicare Simplified Medicare Simplified. All rights reserved.
Medicare Educational Video Presented by: Medicare Simplified Copyright 2014 Medicare Simplified. All rights reserved. TABLE OF CONTENTS SUBJECT TIME ON CLOCK(HR/MIN/SEC) INTRODUCTION 00:00:00 YOUR MEDICARE
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