Between January 1–February 14, if you’re in a Medicare Advantage Plan, you can leave your plan and switch to Original Medicare. If you switch to Original Medicare during this period, you will have until February 14 to also join a Medicare Prescription Drug Plan to add drug coverage. Your coverage will begin the first day of the month after the plan gets your enrollment form.
Video: Medicare Options – Making Sense of Them All!
Medicare Beneficiary Options
Seniors approaching Medicare eligibility are often confronted with choices and timelines that may be confusing. If you are six months away from celebrating your 65th birthday and would like to discuss your Medicare options (i.e. Original Medicare, Medicare Advantage Part C, Medicare Part D and Supplements), call me.
Jehlen: Review Your Medicare Options, Save Money
The full implementation of Obamacare over the next couple of years makes reevaluating your Medicare options even more important. You will notice many positive changes and reviewing options will maximize your savings. Most notably, Obamacare will close the Medicare Part D “donut hole.” Currently, if your yearly prescription drug costs exceed a certain amount ($2,930 in 2012), but your out-of-pocket costs have not reached the point where you qualify for “catastrophic coverage” ($4,700 in 2012), you fall into the donut hole. Starting in 2012, seniors got a 50% discount on brand-name prescription drugs and 14% discount on generic prescriptions. These discounts will increase incrementally until 2020, when 75% of prescription drug costs for people in the donut hole will be covered by Medicare.
Help with the Medicare options
The MedicareStore is holding an informational open house 9 a.m. to 5 p.m. Friday. An audiologist from hi Healthinnovations and a representative from SilverSneakers fitness program will be on hand, and there will be a SilverSneakerod demonstration at 1 p.m. The store is open 9 a.m. to 5 p.m. Mondays through Fridays, and is in the Golf Acres Shopping Center at 1412 N. Hancock Ave. For more information, call 357-1281.
The Future of Medicare: 15 Proposals You Should Know About
Here are summaries of 15 options being talked about in Washington. Each summary is accompanied by two opinions that AARP commissioned from experts whose views typically represent different sides of the issues.
Navigating Your Medicare Options
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Medicare Silver Bullets: What’s The Best Way To Control Costs?
If I could make only one change, it would be a massive reform of Medicare’s payment policies. Right now, Medicare payment policies drive overuse, waste, inappropriate and sometimes harmful use of services. There should be a number of changes, such as paying in ways that encourage the use of team-based care, telephone, group and e-visits, more flexibility to allow nurses and other health professionals to operate at “the top of their licenses” with physician oversight and in the most quality and cost-effective ways. The more we can bundle payments to reward improved health (not just health care), and allow providers to self-organize to deliver the greatest benefits for patients and value or payers, the better off we will all be. The most successful providers tend to be integrated delivery systems. Although we will never have enough such systems around the whole country, we can develop and support as many of these as possible and also have payment models that foster virtual integrated delivery systems and reward the best performers, that is, the ones that provide the safest care in the most efficient manner.
Medicare Open Enrollment: find comfort in convenience
Like most people, I take comfort in the things I’m familiar with. I choose to shop at the supermarket around the corner because I know exactly where to find the things I’m looking for. Sure, I might be able to save a little more money by shopping at a different store on the other side of town, but I choose to stick with what I’m most comfortable. We all like to get a good deal, but convenience is a big part of the value.
Newsroom – Blue Cross Blue Shield of Michigan broadens Medicare options with new Medicare Advantage PPO product
October 1 is the first day BCBSM and Medicare Advantage carriers across the nation can market their Medicare Advantage products for 2010. Beneficiaries in BCBSM Medicare Advantage products will receive letters in the next 10 days about the new product line-up. "Blue Cross remains fully committed to providing products to Medicare beneficiaries and will continue to have the broadest array of Medicare Advantage products in the state," said Mark Owen, BCBSM vice president for federal and individual business. "It’s important for Medicare beneficiaries to know that there is no immediate change to their coverage. They have until the end of the year to make their selection for 2010." In addition to the three BCBSM products for 2010, seniors also can select from three Medicare Advantage products offered by Blue Care Network, the BCBSM-affiliated HMO. "We will be working with insurance agents and other groups across the state to reach out to Medicare beneficiaries to help them navigate these product and premium changes," said Owen. Seniors who meet low income guidelines can receive subsidies from the state and/or federal government to pay for all or part of their premiums. Medicare Advantage premiums vary by product and region. The new PPO product is expected to provide beneficiaries with value for their premium. For example, the BCBSM Medicare Plus Blue PPO, which includes Part D prescription drug coverage, will cost between $61 and $141 a month (premiums vary by geographic region), while traditional BCBSM Medicare Supplemental (Medigap) Plan C plans cost $183 when combined with a stand-alone Part D BCBSM prescription drug program. Medicare Advantage plans offer Medicare benefits through private health insurance plans and most include Part D prescription drug coverage. When you purchase a Medicare Advantage plan, you do not need to also purchase a Medigap policy. Medicare Advantage plans are regulated solely by the federal government, while Medigap plans are regulated by the state. The announced product changes are only for Medicare beneficiaries who directly purchase their Medicare Advantage products, not for beneficiaries enrolled in a group plan. Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.
Illegal Immigrants Give Billions to Medicare, Social Security With No Hope of Benefit
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Liberalism: Does the fiscal
But Mr Chait goes on to make a different point: while it looks as though entitlement programmes are nearly impossible to cut, just about everything else the government does is much more vulnerable. Everything from food inspections to foreign aid to environmental regulation to legal defence for the indigent to scientific research to the national parks to education to road, rail and air infrastructure to…pretty much everything. These programmes are diverse and often have small constituencies. There is, basically, a lot of stuff that the government does. And when you ask the public, you find that they want the government to do these things. But public attention is a very limited commodity; it’s impossible to actually marshal public attention to each of the individual programmes that get cut when “government” gets cut. What’s happened over the past 30 years, and in an accelerated tempo over the past two years, is that everything the government does apart from wars and transferring money to old and poor people has gotten creamed. The savings are trivial in comparison with the overall long-term debt picture, which is almost entirely a function of Medicare and Medicaid spending. But the cuts have effectively curtailed the vision of liberals who want government to do things like invest in basic scientific research, improve infrastructure, kick-start green technology and support education. In that sense, it’s true, the ability of Republicans to block Democrats from expanding the tax base has been a conservative victory.
Be aware of all your Medicare options
Cost and coverage. Some Medicare Advantage Plans (Medicare Part D) cover much of your overall health care costs and some even have exceptional medication programs to suit your needs. If you are happy with your current Medicare coverage, make sure that the benefits for 2013 are what you need and can afford. Ask your doctor what health plans they like and how satisfied are their enrollees.
Medicare And Home Health Care: A Quick Overview
Additionally, Medicare criteria for receiving home health care are very stringent; many people who may want to use a Medicare-approved home health company will not actually receive coverage. In fact, Medicare pays only about half of all health care costs to seniors. Medicare frequently denies payment due to not meeting criteria, so it is important to know if you meet these criteria prior to limiting yourself to only Medicare-approved home health companies.