ATLANTA — Seniors and other Medicare beneficiaries can watch black movie classics and get lots of information about their health care coverage on Sept. Attendees can get their Medicare questions answered before the Medicare Open Enrollment Period begins on Oct. A local UnitedHealthcare representative will offer information about Medicare basics (Parts A-D), eligibility requirements and enrollment periods. LIFE's Medicare Assistance Program provides services to seniors in a 13-county region of northeastern Oklahoma.
Personalized counseling to help Medicare beneficiaries compare, select and enroll in the Medicare prescription drug plan (Part D) that best fits their individual needs.
Assistance in applying for the Extra Help which can virtually eliminate all prescription drug costs for those who qualify. You have 2 2016 Medicare Advantage Plans to choose from in Mariposa County, California that offer full-coverage healthcare benefits.
Find a Mariposa County Medicare Insurance Agent!We maintain an exclusive list of Medicare insurance agents and agencies licensed to sell Medicare insurance in California. Medical Daily explores the psychological and biological reasons why we find celebrity gossip so enticing.
A new analysis shows that psychedelic drugs are re-emerging in the medical world as potential therapies for mental health disorders, including anxiety and PTSD.
No changes need be made — as in the past, Medicare beneficiaries will go to Medicare.gov to sign up for plans when open enrollment starts Oct. Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with end-stage renal disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD).
Medicare Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care. Medicare Part C, also known as the Medicare Advantage Plan, is a more extensive plan that is offered by a private company to provide all Part A and Part B benefits. Federal health officials plan to send a handbook next month to the almost 50 million Medicare beneficiaries to answer any questions they may have in light of the Affordable Care Act. Medical Daily is for informational purposes and should not be considered medical advice, diagnosis or treatment recommendation.
Once you turn age 65 you will be eligible for Medicare.  Medicare takes care of a lot of your medical expenses, but usually not everything.


Medicare Part A provides inpatient coverage if you’re in a hospital, skilled nursing facility, hospice or home health care facility.  This coverage is “free,” meaning you pay no premiums if you paid into the Social Security pool for at least 10 years.
Medicare Part B provides coverage for medically necessary doctor visits, outpatient care, medical equipment, home health care and physical therapy. If you join a Medicare  Advantage Plan, the plan will provide all of your Part A (hospital insurance)  and Part B (medical insurance) coverage.
Medicare  pays a fixed amount for your care every month to the companies offering  Medicare Advantage Plans. Each private insurer has its own plan, but in general, it works like this: You pay a monthly premium for Part D coverage and may also have an annual deductible of no more than a few hundred dollars a year, if there is any deductible at all.
While the portion of our FICA taxes that cover payments into the Social Security system are levied only on a part of  your earnings, the Medicare tax is levied on everything you earn. Medicare provides a good deal of coverage, but it doesn’t cover everything.  As a result, many people choose to buy a separate policy to provide coverage to fill in the gaps. You can also use your Medigap policy to cover expenses you have under Medicare, such as annual co-pays and deductibles. Important note: If you opt for a Medicare Advantage Plan (Medicare Part C), any Medigap policy you have won’t pay. Your ChoicesYou have two choices when it comes to ways to get your Medicare coverage— Original Medicare or a Medicare Advantage Plan (Part C). First, you should decide if you want Original Medicare or a Medicare Advantage Plan, like an HMO or a PPO plan.
LIFE's Medicare Assistance Program provides accurate and objective information and assistance relating to Medicare, Medicare supplements, Medicare Advantage and other related health coverage options for Medicare beneficiaries, their representatives or persons soon to be eligible for Medicare.
This program educates and empowers Medicare beneficiaries to protect, detect and report health care fraud. Our goal is to help seniors save money on their out-of-pocket healthcare costs by showing them all of their options. No worries: the Marketplace is only for people who don’t have any health coverage, so anyone who is already covered by Medicare will not be affected.
Medicare Part B covers certain doctors' services, outpatient care, medical supplies, and preventive services. Those enrolled in a Medicare Advantage Plan have services covered through the plan that would not be under Original Medicare.


Bottom line: individuals who currently receive Medicare through Original Medicare or a Medicare health plan will be unaffected by Obamacare and receive the exact same benefits they currently have now. You will be required to pay a premium for some of your Medicare coverage, and you will probably want to purchase a private Medigap policy to cover any of the costs that Medicare doesn’t pay.  According to a Fidelity Investments analysis,  a 65-year old couple who retired in 2009 will need $240,000 of their own savings to handle 20 years of out-of-pocket retirement health costs.
These are private plans run through Medicare that, by law, must at least be “equivalent” to regular Part A and B coverage.
These companies must follow rules set by Medicare.  However, each Medicare Advantage Plan can charge different out-of-pocket costs  and have different rules for how you get services (like whether you need a referral to  see a specialist or if you have to go to only doctors, facilities,  or suppliers that belong to the plan for non?emergency or non-urgent  care). Once you cover the deductible, your plan will then pay some – or all – of your drug costs, but only for the first $2,830 in total drug costs per year. Although you’ll only pay 50% of the price for that brand-name drug, the  entire price will count as out-of-pocket spending, which will help you get out  of the coverage gap.  You’ll also pay only 86% of the plan’s cost for covered generic drugs until you reach the end of the coverage gap.
If you take a Medicare Advantage Plan and you already have a Medigap policy, you should eliminate the Medigap plan.
Medicare Advantage Plans include Preferred Provider Organizations, Health Maintenance Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans.
Those who will be renewing their enrollment or signing up for Medicare for the first time can access Medicare.gov as usual here. For example, Medigap E will offer something that is not included in Medigap D, but will lack a coverage provided in Medicare F. The coverage gap begins after you and your drug plan have spent a certain amount  for covered drugs. Also, people with Medicare who get extra help paying Part D costs won’t enter the coverage gap.
If you earn more than $85,000 per year (over $170.000 for married couples), you pay a slightly higher rate on your Part B premium than those earning less. Medicare Part D adds prescription drug coverage to Original Medicare and requires annual enrollment. Remember, only a licensed health insurance agent can provide a binding quote for Medicare insurance.



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