Medicare and Its Gaps: Rights and Options You Simply MUST Know
|
|
|
- Dwain Morrison
- 6 years ago
- Views:
Transcription
1 Medicare and Its Gaps: Rights and Options You Simply MUST Know THINKING RETIREMENT 1 Agenda Medicare ABCs When to apply Part A Part B Three Pathways to fill the gaps in Medicare Medigap plans Advantage plans Part D plans LTC plans Resources. THINKING RETIREMENT 2 1
2 Medicare ABCs THINKING RETIREMENT 3 When to enroll Medicare age is 65 Avoid late fees! Apply at later of: Age 65, or End of employer health insurance from current active work (yours or spouse s) Inquire promptly! Call Social Security 3 months before age 65 Be sure to supplement Medicare. THINKING RETIREMENT 4 2
3 Medicare Coverage: Two Parts of Original Medicare Part A: Hospital Insurance Inpatient hospital care plus follow-up care No premium for most Part B: Medical Insurance Doctor, outpatient, and certain other services 2017 monthly base premium: $109-$134 per person, for most. Source: THINKING RETIREMENT Medicare Part B Variable premiums 2015 Income, Individual filing 2015 Income, Joint filing 2017 Part B premium <= $85,000 <= $170,000 $109-$134 $85k - $107k $170k - $214k $ $107k - $160k $214k - $320k $ $160k - $214k $320k - $428k $ >$214,000 >$428,000 $ Source: THINKING RETIREMENT 6 3
4 Your Medicare card THINKING RETIREMENT 7 Gaps in Medicare THINKING RETIREMENT 8 4
5 Identifying gaps in Medicare Before 65: No Medicare Need to reach age 65 After 65: Medicare OK, but... Gaps in Parts A & B Long-Term Care gap Age 65 THINKING RETIREMENT 9 Before Medicare 3 Paths to age 65 & Medicare Retiree Medical Employer Individual Employer Union COBRA Own work Spouse s work Traditional Fee-For-Service, or HMO/Managed Care Medicaid Uninsured? THINKING RETIREMENT
6 While on Medicare Filling the Gaps in Medicare Retiree Medical Employer Individual Medicare Eligibility? THINKING RETIREMENT 11 While on Medicare Identifying gaps in Medicare Part A Deductibles ($1,316/benefit period of 60 days) Long hospital stays ( days) Part B Deductible ($183/year) Dental, eyeglasses, hearing aids, Rx Doctor bill coinsurance & excess fees Long-Term Care gap. THINKING RETIREMENT
7 Example 1: Part B gap Doctor bills Doctor Bill: $115 Medicare Allowable Charge: $100 You Pay $35 80% of Medicare Allowable : $80 Medicare Pays $80 THINKING RETIREMENT 13 So What? THINKING RETIREMENT
8 Example 2: Part B gap Doctor bills Doctor Bill: $230,000 Medicare Allowable Charge: $200,000 You Pay $70,000 80% of Medicare Allowable : $160,000 Medicare Pays $160,000 Medicare has NO Out-Of-Pocket Maximum! THINKING RETIREMENT 15 How to fill the gaps THINKING RETIREMENT
9 While on Medicare 3 Paths to fill the gaps Retiree Medical Medigap Advantage Medicaid THINKING RETIREMENT 17 While on Medicare Focus: Retiree medical Retiree Medical Medigap Advantage THINKING RETIREMENT
10 Focus: Retiree medical plans Retiree Medical Private insurance from employer or union Medicare is primary insurance; retiree medical is secondary Cost and coverage vary widely Generally cover prescription drugs If not, you also need Medicare Part D Contact your benefits office. THINKING RETIREMENT 19 While on Medicare Focus: Medigap plans Retiree Medical Medigap Advantage THINKING RETIREMENT
11 Focus: Medigap plans AKA Medicare Supplement plans Medigap Private insurance to supplement Medicare 10 different plans, standardized nationally Lettered A, B, C, D, F, G, K, L, M, N Coverage from basic to comprehensive Prices: about $60/mo. - $300/mo. Purchase within 6 months of Part B Also consider Medicare Part D Available from major insurance companies. Source: THINKING RETIREMENT 21 Chart: Medigap plan options 2017 $5,120 $2,560 Source: THINKING RETIREMENT
12 While on Medicare Focus: Medigap plans Retiree Medical Medigap Advantage THINKING RETIREMENT 23 Focus: Medicare Advantage AKA Medicare Part C/Health s Advantage Private insurance to replace Medicare Covers Parts A & B, plus additional benefits Typical additional benefits: Many include Rx Wellness care, Dental, Vision, and/or Hearing May be HMO, PPO, or other arrangement Moderate costs ($0 - $270 per month) Chosen by 30% of Medicare beneficiaries Available from insurance companies in select locations. Source: THINKING RETIREMENT
13 Prescription Drug Coverage THINKING RETIREMENT 25 While on Medicare 3 ways to get Rx coverage 1. Employer/Union retiree plan with creditable Rx coverage 2. Advantage plan including Part D coverage 3. Standalone Medicare Part D plan PDP = Prescription Drug Source: THINKING RETIREMENT
14 Focus: Medicare Part D Part D Private insurance to cover prescription drugs s not created equal: Varying formularies Varying pharmacy convenience Standard or Enhanced plan designs Costs: $15 - $160 per month Available from insurance companies Chosen by 70% of Medicare beneficiaries Often included in Advantage plan. Source: THINKING RETIREMENT 27 Variable Part D premiums 2015 Income, Individual filing 2015 Income, Joint filing 2017 Part D premium <= $85,000 <= $170,000 Base Premium (BP) $85k - $107k $170k - $214k BP + $13.30 $107k - $160k $214k - $320k BP + $34.20 $160k - $214k $320k - $428k BP + $55.20 >$214,000 >$428,000 BP + $76.20 Source: THINKING RETIREMENT
15 Part D coverage 2017 Deductible Period First $400 Initial Coverage Period $400-$3700 Coverage Gap ( Donut Hole ) $3700-$4950 Catastrophic Period Over $4950 You pay 100% You pay 25% You pay 40%-51% You pay ~5% THINKING RETIREMENT 29 While on Medicare 3 Paths with Rx coverage 1 2 Retiree Medical Medigap Including Rx Coverage Part D 3 Advantage Including Part D THINKING RETIREMENT
16 While on Medicare Cost Summary 1 Retiree Medical Including Rx Coverage $109 + $?? 2 Medigap Part D $109 + $60 - $300 $15-$160 3 Advantage Including Part D $109 + $0 - $270 THINKING RETIREMENT 31 Example: Couple with different ages Paul older than Ruth Both under 65 Paul turns 65 Ruth Turns 65 Paul Individual Medicare + Medigap + Part D Medicare + Medigap + Part D Ruth Individual Individual Medicare + Advantage (Includes Part D) Medicare has no family plans, only individual plans. THINKING RETIREMENT
17 Long-Term Care Coverage THINKING RETIREMENT 33 Before Medicare or while on Medicare: Long-Term Care gap (Parts A, B, C, D) Self-Pay Medicaid Long-Term- Care Insurance THINKING RETIREMENT
18 Long Term Care Resources A Shopper's Guide to Long-Term Care Insurance Free PDF at prod_serv_consumer_ltc_lp.pdf Also contact your state SHIP: THINKING RETIREMENT 35 While on Medicare 3 Paths with Rx & LTC Retiree Medical Medigap Advantage Including Rx Coverage Part D Including Part D AND LTC Insurance (Optional) THINKING RETIREMENT
19 Medicare Resources THINKING RETIREMENT 37 Medicare Resources Information Publications Medicare & You Finders Medigaps, Advantage & Part D s Also contact your state s Senior Health Insurance Program (SHIP) THINKING RETIREMENT
20 98125 THINKING RETIREMENT 39 Your questions? THINKING RETIREMENT
21 Thank you! Andy Landis THINKING RETIREMENT THINKING RETIREMENT
AC: MEDICARE CHOICES HOW TO NAVIGATE
AC: 26997-0516-8318 MEDICARE CHOICES HOW TO NAVIGATE MEDICARE HEALTH INSURANCE AT A GLANCE AGE 65 ELIGIBILITY Part A Part B Part D Medigap Part C WHAT IT COVERS Hospital Insurance (Inpatient services)
2015 Medicare Advantage Plans That Offer a $0 Drug Premium with Full Low-Income Subsidy (LIS)
2015 Medicare Advantage Plans That Offer a $0 with Full Low-Income Subsidy (LIS) ( County and Northeastern Illinois) County Name Plan Name Plan s Health and Part B premium Aetna Medicare Value Aetna Medicare
Make the most of your Medicare choices
Health Care Medicare overview NATIONWIDE RETIREMENT INSTITUTE The Nationwide Retirement Institute provides practical thought leadership through timely insights and education, client-ready tools and consultative
Planning for Health Care in Retirement NFM-10373AO.10 (01/14) 1
Planning for Health Care in Retirement 1 NFM-10373AO.10 (01/14) 1 Agenda The Health Care Dilemma Understanding Health Care Creating a Plan to Address Health Care Costs 2 The Health Care Dilemma 3 NFM-10373AO.10
Medicare 101. Decluttering the Medicare Confusion. Richard W. Feder
Medicare 101 Decluttering the Medicare Confusion Richard W. Feder May 3, 2018 Today s Presentation What is Medicare Enrollment timing Medicare Insurance Medicare vs. Group/Employer Healthcare Coverage
Your Guide to Medicare Insurance
Presented by: 3609 Lake Avenue Fort Wayne, IN 46805 Phone: (260) 484-7010 Fax: (260) 484-7204 www.buyhealthinsurancehere.com Medicare is health insurance for individuals age 65 or older; certain individuals
MEDICARE 101 PRESENTED BY WESTERN MARKETING
MEDICARE 101 PRESENTED BY WESTERN MARKETING WHAT IS MEDICARE? A health insurance program for: People 65 years of age and older People under age 65 with certain disabilities People with End-State Renal
Health Care and Long-Term Care Study, a consumer study of U.S. adults ages 50 and up, Nationwide/Harris Poll Survey (November 2016).
1 Health Care and Long-Term Care Study, a consumer study of U.S. adults ages 50 and up, Nationwide/Harris Poll Survey (November 2016). 1 Agenda The retirement income challenge Understanding the health
summary of benefits Blue Shield of California Medicare Rx Plan (PDP)
summary of benefits Blue Shield of California Medicare Rx Plan (PDP) An employer-sponsored Medicare Prescription Drug Plan for City and County of San Francisco retirees, spouses and eligible dependents
Getting Started with Medicare
Getting Started with Medicare TABLE OF CONTENTS 2 What is Medicare? 3 Original Medicare Parts A and B 5 Medicare Part C Medicare Advantage Plans 6 Medicare Part D Prescription Drug Coverage 8 How to Enroll
(PDP) 2015 Summary of benefits for our Medicare prescription drug plans (Enhanced and Standard)
(PDP) 2015 Summary of benefits for our Medicare prescription drug plans (Enhanced and Standard) Contract S5540, Plans 004 and 002 January 1, 2015 December 31, 2015 Y0079_6779 CMS Accepted 08312014 U5073b,
Getting Started with Medicare
Getting Started with Medicare TABLE OF CONTENTS 2 What is Medicare? 3 Original Medicare Parts A and B 5 Medicare Part C Medicare Advantage Plans 6 Medicare Part D Prescription Drug Coverage 8 How to Enroll
Medicare. has 4 Parts. Medicare is Health Insurance. Medigap. Part A Hospital Insurance. Part D Prescription Drug Plan. Part B Medical Insurance
Basics is Health Insurance Parts A and B is called Original administered by the federal government Part A Hospital Insurance Medigap Parts C and D can be individual plans purchased through private insurance
Brought to you by the Missouri Association of Area Agencies on Aging (ma4).
Brought to you by the Missouri Association of Area Agencies on Aging (ma4). www.ma4web.org July/August 2014 1 The Missouri Association of Area Agencies on Aging (ma4) was founded in 1973 to serve as a
A Basic Understanding of Medicare and Medicare Plans in 12 Questions. Understanding the Basics to Make the Best Choices
A Basic Understanding of Medicare and Medicare Plans in 12 Questions Understanding the Basics to Make the Best Choices Objective Medicare can be a Mystery. Following a Heuristic approach, the Objective
Hawaii SHIP (State Health Insurance Assistance Program)/Sage PLUS Program
Hawaii SHIP (State Health Insurance Assistance Program)/Sage PLUS Program Federally funded program to assist individuals with questions regarding Medicare benefits Administered by the Department of Health
Medicare Overview. It s as easy as A, B, C, D!
1 Medicare Overview It s as easy as A, B, C, D! Original Medicare does not cover care outside the U.S. 2 3 Medicare Eligibility Generally, you are eligible for Medicare coverage at age 65 if you receive
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
Medicare is Health Insurance
Basics is Health Insurance Part A Hospital Insurance Medigap Parts A and B is called Original administered by the federal government Part D Prescriptio n Drug Plan has 4 Parts Part B Medical Insurance
Understanding Medicare and Coverage Expansion Options. Rick Seely Account Executive MDA Insurance
Understanding Medicare and Coverage Expansion Options Rick Seely Account Executive MDA Insurance 1 Rick s Goals Today Help you determine if and when you should enroll in Medicare Parts A & B ---------------------------------------------RECOMMEND
Medicare Made Simple
Medicare Made Simple TABLE OF CONTENTS 2 What is Medicare? 3 Original Medicare Parts A and B 5 Medicare Part C Medicare Advantage Plans 6 Medicare Part D Prescription Drug Coverage 8 How to Enroll 10 Medicare
Medicare Made Simple
Medicare Made Simple TABLE OF CONTENTS 2 What is Medicare? 3 Original Medicare Parts A and B 5 Medicare Part C Medicare Advantage Plans 6 Medicare Part D Prescription Drug Coverage 8 How to Enroll 10 Medicare
Choosing Between Traditional Medicare and Medicare Advantage
Choosing Between Traditional Medicare and Medicare Advantage If you are eligible for Medicare you can chose between getting Medicare benefits through traditional Medicare (also known as original Medicare
Medicare: The Basics
Medicare: The Basics Presented by Tricia Neuman, Sc.D. Vice President, Kaiser Family Foundation Director, Medicare Policy Project for Alliance for Health Reform May 16, 2005 Exhibit 1 Medicare Overview
Medicare & Your UA Medical Benefits
Medicare & Your UA Medical Benefits University of Arkansas Office of Human Resources ( 501) 671-2219 yourbenefits@uaex.edu This information is provided to assist you in making decisions about your medical
SDMC RETIREE HEALTH INSURANCE OPTIONS. Pre and Post Age 65
SDMC RETIREE HEALTH INSURANCE OPTIONS Pre and Post Age 65 This information has been provided to you to help you understand your retirement benefit options prior to meeting with the Benefits Staff. At your
Considering Retirement in 2018? Your Retiree Health Care Options
Considering Retirement in 2018? Your Retiree Health Care Options An important part of retirement planning is understanding your health care options after you retire and what action you need to take before
MANAGING YOUR COSTS IN RETIREMENT
MANAGING YOUR COSTS IN RETIREMENT Issued by Pruco Life Insurance Company and by Pruco Life Insurance Company of New Jersey. 0267259-00004-00 Ed. 04/2017 have you accounted for healthcare in your retirement
North Texas Specialty Physicians
A Guide to Medicare North Texas Specialty Physicians Known as NTSP is an Independent Physician Association comprised of more than 1,000 family and specialty doctors dedicated to delivering the best care
Planning for Health Care in Retirement
NATIONW IDE RETIREMENT INSTITUTE Planning for Health Care in Retirement NFM-10373AO.10 (01/14) 1 Important things to keep in mind Not a deposit Not FDIC or NCUSIF insured Not guaranteed by the institution
(PDP) 2016 Summary of benefits for our Medicare prescription drug plans (Standard and Enhanced)
(PDP) 2016 Summary of benefits for our Medicare prescription drug plans (Standard and Enhanced) Contract S5540, Plans 002 and 004 January 1, 2016 December 31, 2016 Y0079_7238 CMS Accepted 08312015 U5073g,
Medicare 101. Understanding your Medicare options. Brought to you by Wemasol
Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Medicare 101 Understanding your Medicare options Brought to you by Wemasol 1. Medicare Parts A - D Medicare
UNDERSTANDING YOUR HEALTH INSURANCE CHOICES
UNDERSTANDING YOUR HEALTH INSURANCE CHOICES This booklet will provide you with a general overview of health insurance plan types, common terminology and factors to consider when choosing health insurance.
Medical and prescription drug options
Post-65 Retiree Medical coverage Your OneExchange benefit advisor will help you understand all of your options for selecting an individual supplement plan from the marketplace. While you will have a choice
Medicare. Where do I find information on Medicare Benefits?
Medicare Where do I find information on Medicare Benefits? Although Social Security determines entitlement to Medicare benefits, the Medicare program is administered by a different agency, the Centers
MEDICARE MADE SIMPLE. It s as easy as A, B, C, D
MEDICARE MADE SIMPLE It s as easy as A, B, C, D PINNACLE FINANCIAL SERVICES 65 W STREET RD, SUITE A-101 WARMINSTER, PA 18974 1-(800)-772-6881 WWW.PFSINSURANCE.COM LAST UPDATED JANUARY 2, 2019 WHAT IS MEDICARE?
Retiree Medicare Solutions With a Personal Touch. Ted O Connor Borislow Insurance (781)
Retiree Medicare Solutions With a Personal Touch Ted O Connor Borislow Insurance ted@borislow.com (781) 879-8434 Various Parts of Medicare Which Parts work together? Part A Inpatient Hospital Care Part
Tribal Basic Training. March 2, 2016
Tribal Basic Training March 2, 2016 Welcome to Basic Medicare introduction: Part A Part B Part D Medigaps Part C Help paying Medicare costs: Medicare Savings Program Extra Help / Low Income Subsidy (LIS)
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...
ARE & MEDIC AID SERVICES
& Medicare You 2018 This is the official U.S. government Medicare handbook. Learn about your new Medicare card (inside front cover) What Medicare covers (page 29) CENTERS for MEDICARE & MEDICAID SERVICES
Medicare Basics. Presentation by Melissa Linde and Gayle Salsman with Regions Insurance
Medicare Basics Presentation by Melissa Linde and Gayle Salsman with Regions Insurance Aging into Medicare When you turn 65, you will have the opportunity to sign up for Medicare A and/or B during what
It s Time for Medicare
It s Time for Medicare med-ageinbook-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
Planning for Health Care in Retirement
Planning for Health Care in Retirement 1 Agenda The Retirement Income Challenge The Health Care Opportunity Understanding Health Care Creating a Plan to Address Health Care Costs 2 Important things to
YOUR. Medicare OPTIONS. What you need to know as a NEW Medicare Beneficiary. Y0020_18_3777BKLT_Accepted_
YOUR Medicare OPTIONS What you need to know as a NEW Medicare Beneficiary Y0020_18_3777BKLT_Accepted_10232017 Important choices can be simple choices. Let us help. This guide will give you a solid foundation
Farm Bureau Essential Rx 2018 Summary of Benefits January 1, December 31, 2018
Farm Bureau Health Plans P.O. Box 266380 Weston, FL 33326 Farm Bureau Essential Rx 2018 Summary of Benefits January 1, 2018 - December 31, 2018 Thank you for your interest in Farm Bureau Essential Rx.
Medicare, Medigap, and Long Term Care Insurance
Medicare, Medigap, and Long Term Care Insurance NYSBA Basics of Elder Law CLE Today s Objectives Medicare eligibility 2015 premiums Deductibles and coinsurance Limitations on coverage Appeals Medigap policies
Investor Guide. Finding Your Way with Medicare
Investor Guide Finding Your Way with 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
2019 MEDICARE. summary of benefits. advantage plan. Serving Members in Klamath County
2019 MEDICARE advantage plan summary of benefits Serving Members in Klamath County Table of Contents About the Summary of Benefits and Who Can Join... 1 Which doctors, hospitals and pharmacies can I use?...
Welcomes Electric Boat Employees & Spouses to our Medicare SOS Workshop
Welcomes Electric Boat Employees & Spouses to our Medicare SOS Workshop History of the Electric Boat Retiree Medical and Prescription Drug Plan Beacon Retiree Benefits Group Services Medicare Eligibility
SYMPHONIX RITE AID VALUE RX (PDP)
SYMPHONIX RITE AID VALUE RX (PDP) and SYMPHONIX RITE AID PREMIER RX (PDP) (a Medicare Prescription Drug plan (PDP) offered by SYMPHONIX HEALTH INSURANCE, INC. with a Medicare contract) Summary of Benefits
Understanding Medicare Fundamentals
Understanding Medicare Fundamentals A Healthcare Cost Planning Overview By Mark J. Snodgrass & Pamela K. Edinger JD September 1, 2016 Money Tree Software, Ltd. 2430 NW Professional Dr. Corvallis, OR 98330
Your Guide To Understanding Medicare. Finding The Plan That s Best Suited To Your Specific Needs
Your Guide To Understanding Medicare Finding The Plan That s Best Suited To Your Specific Needs PIH HEALTH Do You Know When You Are Eligible For Medicare? You are eligible for Original Medicare (Parts
Closing the Coverage Gap Medicare Prescription Drugs Are Becoming More Affordable
MEDICARE PRESCRIPTION DRUG COVERAGE JANUARY 2012 Closing the Coverage Gap Medicare Prescription Drugs Are Becoming More Affordable The Affordable Care Act includes benefits to make your Medicare prescription
Reflecting changes from 2010 health reform law. Medicare Resource Guide Six Steps to Choosing Your Medicare Coverage
Reflecting changes from 2010 health reform law Medicare Resource Guide Six Steps to Choosing Your Medicare Coverage Seniors, Baby Boomers and Caregivers Introduction - Seniors, Baby Boomers and Caregivers
Summary of Benefits. January 1 December 31, 2011
Summary of Benefits January 1 December 31, 2011 Section 1: Introduction to the Summary of Benefits Report for Medco Medicare Prescription Plan (PDP) January 1, 2011 December 31, 2011 Thank you for your
INSURANCE OPTIONS IN RETIREMENT. Presented By Kurt Swardenski, RHU, REBC Advantage Benefits Group
INSURANCE OPTIONS IN RETIREMENT Presented By Kurt Swardenski, RHU, REBC Advantage Benefits Group AGENDA Under Age 65 Options (Pre-65) Age 65 and Older Options (Post-65) Party Time! Q&A, Examples throughout
2018 National Training Program. Understanding Medicare
2018 National Training Program Understanding Medicare New Medicare Card! New Medicare Number! 2 What is Medicare? Health insurance for three groups of people 65 and older Under 65 with certain disabilities
An Overview of Medicare
An Overview of Medicare March 27, 2015 Alliance for Health Reform Medicare 101 Juliette Cubanski, Ph.D. Associate Director, Program on Medicare Policy Kaiser Family Foundation Exhibit 1 Medicare Past and
For Alabamians who want an affordable, stand-alone Medicare Part D Prescription Drug Plan Plan Highlights. S1030_MKT3_BRO_17 Accepted
For Alabamians who want an affordable, stand-alone Medicare Part D Prescription Drug Plan. 2017 Plan Highlights S1030_MKT3_BRO_17 Accepted Medicare Part D is a government benefit that helps cover your
Farm Bureau Select Rx 2017 Summary of Benefits January 1, December 31, 2017
P.O. Box 266380 Weston, FL 33326 Farm Bureau Select Rx 2017 Summary of Benefits January 1, 2017 - December 31, 2017 Thank you for your interest in Farm Bureau Select Rx, Our plan is offered by Members
Medicare P art Part D nd and You for 2013 (Individuals and Families) Families)
Medicare Part Dand You for 2013 (Individuals and Families) What is Medicare Part D? Drug coverage which helps you pay for the medicines you need dif you do not thave other prescription drug coverage Voluntary
The 5 Biggest Mistakes Made by Most Medicare Beneficiaries. (and how YOU can avoid them)
The 5 Biggest Mistakes Made by Most Medicare Beneficiaries (and how YOU can avoid them) 1 Not enrolling in Part B when you are supposed to. 1. You need to enroll in Medicare Part A and Part B during the
Getting started with Medicare
Getting started with Medicare Look inside to: Learn about Medicare Find out about coverage and costs Discover when to enroll Medicare Made Clear Learning about Medicare can be like learning a new language.
Savvy Medicare Planning for Boomers Presented by Lee Claymore, CFP
May 22-25, 2016 Los Angeles Convention Center Los Angeles, California Savvy Medicare Planning for Boomers Presented by Lee Claymore, CFP FM14 5/23/2016 1:45 PM - 3:15 PM The handouts and presentations
Overview of Plans for Medicare Eligible Members
Overview of Plans 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 enrollment in Medicare
Medicare for the Wise
Medicare for the Wise 2018 Harold Herzog Counselor Naperville Township 630-355-2786 Holly Reuter - Coordinator Illinois Department on Aging Senior Health Insurance Program (SHIP) 800-252-8966 Aging.SHIP@illinois.gov
Understanding Medicare Advantage Plans
Understanding Medicare Advantage Plans Overview Overview of Medicare Advantage Plans Types of Medicare Advantage Plans Eligibility Requirements How Medicare Advantage Plans Work Enrollment Estimating the
Medicare Supplement What is Med Supp?
Medicare Supplement What is Med Supp? Med Supp is sometimes referred to as Medigap Coverage It is an insurance plan sold by private companies which can help pay some of the health care costs that Original
Summary of Benefits. My RxBLUE (PDP). Medicare prescription drug plan from the Cross and Shield 10MX0010 R1/11 S5937_091010AMFU
2011 Summary of Benefits 2011 My RxBLUE (PDP). Medicare prescription drug plan from the Cross and Shield 10MX0010 R1/11 S5937_091010AMFU Summary of Benefits for RxBLUE (PDP) January 1, 2011 December 31,
RETIREE MEDICAL BENEFITS Presented By Kurt Swardenski, RHU, REBC Advantage Benefits Group
RETIREE MEDICAL BENEFITS 2018 Presented By Kurt Swardenski, RHU, REBC Advantage Benefits Group AGENDA Under Age 65 Options (Pre-65) Age 65 and Older Options (Post-65) Party Time! Q&A, Examples throughout
Health Care. and Your Retirement. Member SIPC MKD-7893C-A-SL EXP 31 JUL EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED.
Health Care and Your Retirement www.edwardjones.com Member SIPC Health Care during Retirement $ Traditional medical expenses Doctor care Prescription Dental care Long-term medical care Assisted living
Preparing for Retirement. Healthy Directions for Medicare Retirees
Preparing for Retirement Healthy Directions for Medicare Retirees Introduction Eligibility Healthy Directions for Medicare Retirees is designed for John Deere U.S. Flex retirees* who: Are eligible for
2019 Summary of Benefits
2019 Summary of Benefits Jan. 1, 2019 Dec. 31, 2019 888-645-6025 TTY 711 Seven Days a Week, 8 A.M. to 8 P.M.(Oct. 1, 2018, to Mar. 31, 2019) Monday-Friday, 8 A.M. to 8 P.M. (All Other Times) (PDP) (PDP)
John R. Kasich, Governor Jillian Froment, Director. Welcome to Medicare
John R. Kasich, Governor Jillian Froment, Director Welcome to Medicare Premier, federally funded program for Medicare education in Ohio Provides free, unbiased, objective Medicare information and counseling
(PDP) 2014 Summary of benefits for our Medicare prescription drug plans (Enhanced and Standard)
(PDP) 2014 Summary of benefits for our prescription drug plans (Enhanced and Standard) Contract S5540, Plans 004 and 002 January 1, 2014 December 31, 2014 U5073c, 8/13 Y0079_6249 CMS Accepted 09112013
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
Get started with the basics of Medicare
Get started with the basics of Medicare 72.02.354.1 (1/18) aetnamedicare.com You have a lot of choices for Medicare coverage. And you probably have a lot of questions, too. A C B D So let s get started
Deciphering the Alphabet Soup of Medicare
WHITE PAPER Deciphering the Alphabet Soup of Medicare Medicare s purpose is to provide health insurance for all Americans age 65 and older regardless of their net worth. All Americans are eligible to begin
Making the Most of your Medicare Benefits. Are you asking the Right Questions
Making the Most of your Medicare Benefits Are you asking the Right Questions Hello and Welcome! Michael Jakubic Director of Medicare & Individual Sales Our goals today Learning Asking Questions Building
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.
Letter from the Director
Guide to Medicare Letter from the Director Congratulations! You have arrived at an exciting milestone in your life as you begin to evaluate your medical insurance options, most specifically, Medicare coverage.
2018 healthcare benefits for retirees age 65 and older Welcome!
2018 healthcare benefits for retirees age 65 and older who retired under the 2005 or later agreements between Caterpillar and the UAW (and/or eligible spouses/partners) Welcome! In the event that the content
TAKING THE MYSTERY OUT OF MEDICARE
TAKING THE MYSTERY OUT OF MEDICARE Your how-to guide for finding the right plan for your needs H0302_1466_2019_V2_M S6506_061418FF01_M CMS Accepted 08/24/2018 An independent licensee of the Blue Cross
An Introduction to Medicare
An Introduction to Medicare Medicare can be confusing, but we re here to help you and your employees make sense of it all. This Medicare overview is a great place to start. It goes over the Medicare basics
Medicare 101: Understanding How Medicare Works and Your Coverage Options
Medicare 101: Understanding How Medicare Works and Your Coverage Options 1 Topics Covered: What Medicare is and how it works The different parts of Medicare How and when to sign up for Medicare The additional
Medicare Enrollment and Coverage Decisions. Transitioning from Employer-Sponsored Group Health Plans to Medicare
Medicare Enrollment and Coverage Decisions Transitioning from Employer-Sponsored Group Health Plans to Medicare City of Roswell July 9, 2014 Introduction Kris Alderman Lewis Brisbois Bisgaard & Smith ERISA
You have from October 15 until December 7 to make changes to your Medicare coverage for next year.
Farm Bureau Essential Rx (PDP) offered by Farm Bureau Health Plans Annual Notice of Changes for 2019 You are currently enrolled as a member of Farm Bureau Essential Rx. Next year, there will be some changes
Melissa Scarborough, MPH, CHES Centers for Medicare & Medicaid Services Dallas Regional Office
Welcome to Medicare! Melissa Scarborough, MPH, CHES Centers for Medicare & Medicaid Services Dallas Regional Office The Affordable Care Act Patient Protection and Affordable Care Act (PPACA) Signed into
Summary of Benefits for Blue MedicareRx Standard SM (PDP), Blue MedicareRx Plus SM (PDP) and Blue MedicareRx Premier SM (PDP)
Summary of Benefits for Standard SM (PDP), Plus SM (PDP) and Premier SM (PDP) Available in Colorado A -approved Part D sponsor. Anthem Insurance Companies, Inc. (AICI) has contracted with the Centers for
2012 Medi-Pak Rx (PDP) Prescription Drug Plans. S5795_REV_RX_FF_KIT_10_11 CMS Approved This is an advertisement.
2012 Medi-Pak Rx (PDP) Prescription Drug Plans S5795_REV_RX_FF_KIT_10_11 CMS Approved 07222011 This is an advertisement. Rx AG BK Choose a Medi-Pak Rx (PDP) prescription drug Blue Shield for savings, convenience
Annual Notice of Changes for 2018
Aetna Medicare SM Plan (PPO) Annual Notice of Changes for 2018 1 Aetna Medicare SM Plan (PPO) Offered by Aetna Life Insurance Company Annual Notice of Changes for 2018 November 2017 What to do now 1. ASK:
2011 Summary of Benefits
2011 Summary of Benefits (PDP) and January 1, 2011 December 31, 2011 BlueCross BlueShield of South Carolina contracts with the federal government. Contract # s5953 (PDP) s5953_pdp2011sb cms approved 08312010
2009 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare
CENTERS FOR MEDICARE & MEDICAID SER VICES 2009 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare cial government guide has important information about the following: What
Social Security and Medicare Action Timeline
Social Security and Medicare Action Timeline NCRO INSURANCE COMMITTEE PAUL GRITT May 18 th 2017 1 1943 1954 1960 Social Security Milestones & Actions Milestones No increase In benefits After 70 At 62 Earliest
New coverage with new choices
New coverage with new choices Effective January 1, 2018, eligible retirees who retire(d) under the Central Labor Agreement on or after Jan. 10, 2005, their eligible spouses and surviving spouses who are
Summary of Benefits. Regence Medicare Script TM. Enhanced (PDP) Basic (PDP) Medicare Prescription Drug Plan for Utah
2013 Summary of Benefits Medicare Prescription Drug Plan for Utah Regence Medicare Script TM Enhanced (PDP) Regence Medicare Script TM Basic (PDP) Regence BlueCross BlueShield of Utah is an Independent
Geisinger Gold Secure Rx (HMO SNP) offered by Geisinger Health Plan
Geisinger Gold Secure Rx (HMO SNP) offered by Geisinger Health Plan Annual Notice of Changes for 2015 You are currently enrolled as a member of Geisinger Gold Secure 1 (HMO SNP). Next year, there will
Medicare Part D. Prescription Drug Insurance Coverage
Medicare Part D Prescription Drug Insurance Coverage You Need To Know This outline shares the basics of Medicare Part D only. Other important information you will need to make decisions about your Medicare
The A,B,C, & Ds of Medicare & Medicare Supplement Plans
The A,B,C, & Ds of Medicare & Medicare Supplement Plans WMI Mutual Insurance Company 1 Question: How many baby boomers turn 65 everyday? 2 As the year 2011 began on Jan. 1, the oldest members of the Baby
Things You Need to Know About Medicare
Things You Need to Know About Medicare Turning 65? We re here to help. Approaching 65 is an important milestone in life and becoming eligible for Medicare is part of that. Whether you re seeking information