ᖽ Types of text Get What's Yours for Medicare: Maximize Your Coverage, Minimize Your Costs ᛯ Kindle By Philip Moeller 퍏

ᖽ Types of text Get What's Yours for Medicare: Maximize Your Coverage, Minimize Your Costs ᛯ Kindle By Philip Moeller 퍏 ᖽ Types of text Get What's Yours for Medicare: Maximize Your Coverage, Minimize Your Costs ᛯ Kindle By Philip Moeller 퍏 Get Whats Yours for Medicare 1 NO ONE TOLD ME Glen didnt retire until he turned 70 in 2010 He and his wife, Margie, were covered until then by his employers health plan Glen read the annual Medicare You guide put out by the Centers for Medicare Medicaid Services CMS His clear understanding from the guide was that he had been automatically enrolled in Medicare since he turned 65 This was not true Glen made a big Medicare mistake by not asking anyone to confirm his understanding In fact, Glen had no Medicare coverage as of 2010 Neither did Margie But they didnt know this No one told me is a scary cautionary Medicare tale that could be the subtitle of this book It is repeated in countless calls for help from people like Glen and Margie not their real names to Medicare consumer counselors and call center staffers around the country And it is voiced even by people who consider themselves otherwise smart and well informed As it turns out, there can be little about Medicare that is automatic or clear or, especially in the midst of a medical emergency, logical or perhaps even fair Despite widespread contrary beliefs, people are free never to get Medicare and can simply pay their own health bills without insurance However, if you forgo Medicare and later change your mind, there can be steep late enrollment penalties and many months may pass before Medicare insurance takes effect Even for people who want health insurance, Medicare usually isnt even required at age 65 or, indeed, at any later age, so long as a personor their spouseis still working and has group health insurance coverage from a current employer Social Security is supposed to send out Medicare cards to some people when they turn 65 Maybe it did send out a card to Glen Maybe he thought this meant he was covered But this doesnt always happen, especially when a person has not yet started taking their Social Security retirement benefit There are three really big deals about getting Medicare right 1 Enroll at the right time Medicare has a bewildering mix of enrollment periods You need to use the right one 2 Choose the right mix of Medicare coverage There are only two main paths here One is Original Medicare Parts A and B , perhaps with a Medigap supplemental policy, plus a Part D prescription drug plan The other is a Medicare Advantage plan, usually including a Part D plan 3 Understand what these various parts of Medicare cover and how to use them For nearly four years, Glen and Margie had no health problems serious enough to have caused them to file a claim with Medicare and learn about their earlier mistake But then, in 2014, Margie got sick and was diagnosed with terminal cancer They then began trying to file claims for what eventually would be enormous medical expenses Thats when they found out that neither of them had Medicare coverage Glen called the nonprofit Center for Medicare Advocacy seeking help Glen had missed his original window to sign up for Medicare after he retired in 2010 Margie may have assumed she was automatically covered by Medicare as well The details arent clear, although it became clear in hindsight that they never really understood that there is no family coverage under Medicare, as is routinely the case with employer health insurance Glen and Margie needed to file individually for Medicare When they realized their error in 2014, they had missed one of the many enrollment periods available during the year, and were told they had to wait until the beginning of 2015 to file for Medicare Under its rules, their coverage would not become effective until July 2015 Glen and Margie had to face her cancer with no insurance whatsoever Instead of being able to focus on Margies care and spending as much quality time with her as possible, Glens life instead included the prospect of crushing medical bills and the need to worry about how he would pay for his wifes care Medical expenses are, sadly, a leading cause of personal bankruptcy After the center said it had no immediate solution to their problem, Glen broke off contact More than a year later, the center reached him again He is a defeated man, a staffer recalled Things had turned out terribly He did, indeed, lose his wife And he still didnt know if he had Medicare CAROL The Medicare rules say that private Medicare Advantage insurance plans must cover at least the same things that Original Medicare Parts A and B covers Many people naturally assume this means the two approaches to Medicare are the same Big mistake Carols husband, Ernesto, had a Medicare Advantage plan in Texas, when he was diagnosed in June 2014 with pancreatic cancer Little than six months later, Ernesto would be dead following complications from surgery During this time, when Carol wanted to spend as much time as possible with her partner, she instead had to fight insurance company rules and respond to unexpected surprises about what his Medicare Advantage plan did not cover Her problems stemmed from the fact that Medicare Advantage plans restrict coverage to those doctors, hospitals, and other caregivers who are in the plans provider network Original Medicare, by contrast, insures covered medical services from any provider who accepts Medicare When Carol was forced to take over as the main caregiver for her husband, she didnt know about these restrictions Even after she learned about some limitations, new ones kept cropping up The gastroenterologist who diagnosed my husband met with us, explained the diagnosis, and called MD Anderson the University of Texas MD Anderson Cancer Center to refer him to a specialist He was told that neither the doctor nor the facility accepted Medicare Advantage Medicare, yes Medicare Advantage no, she recalls His insurer said it could not help her find a center with pancreatic cancer expertise, and that Carol would have to make these calls herself, which she did All the time I took to figure out how to track down information, and to do it, took time away from being with my husband We even found that the local oncologist we chose told us that he would accept the plan and was in network, she adds, but for the entire six months he saw my husband for chemotherapy and related studies, the benefit statements from the insurer showed he was not Inaccurate billing statements flew back and forth, making it impossible for Carol to keep up with expenses and payment schedules In the meantime we paid bills, got refunds, and completely lost trackif there really was a trackof where we were on the maximum out of pocket payments, she says Incidentally, this was not how I wanted to spend my time, and was not what either my husband or I needed in order for him to continue to live well and enjoy life as long as he possibly could Carol, not surprisingly, thinks that no one should ever get a Medicare Advantage plan But millions of people do and find no problems with their coverage and service However, if a serious medical issue arose, they may be no equipped to deal with possible shortcomings in their plans provider network than was she It can be difficult in the midst of a crisis to figure out what you can control and what you cannot, she cautions My husband and I shared a great life, Carol now says He lived well up until the moment he died, and even his manner of dying was a gift to me Mostly what I relive are warm and appreciative memories Occasionally, of course, the bad stuff surfaces PHYLLIS Let this story be your cautionary guide for the practical roadblocks that Medicare may erect Phyllis is pretty much always the sharpest tack in the box While she loved being a partner in a big corporate law firm, she finally retired from the firm when she turned 75 Like many sharp tacks, however, Phyllis was no match for Medicare And when she explained her problems to me, she repeatedly used the phrase No one told me Fortunately, Phylliss efforts to properly enroll in and use Medicare have not had disastrous consequencesno financial or health care catastrophes She got covered in time, seems to have avoided late enrollment penalties, and or less got the coverage she wanted But as she makes clear, these results are due primarily to her remaining healthy and needing to take a grand total of one prescription medicationan inexpensive blood pressure pill Phylliss employer did provide her notice of the impending end of her employer health coverage But its statement did not explain the specifics of her existing coverage and the things she would need to replace with Medicare Phyllis never would assume what a legal client needed or how opposing lawyers might behave But she, like too many other Medicare newcomers, did assume that Medicare was a relatively straightforward process I absolutely did make that assumption, she recalls My assumption was that thirty days or so before I needed Medicare, I could go and apply and everything would be taken care of At the outset, she didnt know she needed to contact Social Security and not Medicare to enroll in Medicare She didnt know about prescription drug coverage or that it was called Part D of Medicare She didnt even know that Medicare Advantage plans existed And she didnt know that her cell phone needed to have a full charge before calling Medicare for help, because her wait times often would be so long that her phone would run out of juice while she was still on hold No one told her I had Part A, because she already was receiving Social Security retirement benefits I thought all I needed was Part A I thought I could get Part B automatically I didnt know I needed to apply to Social Security for Part B Phylliss first phone call with the Social Security Administration SSA began to make her see that thirty days was a laughably short time frame, even for someone as skilled as she in figuring out how things worked Social Security, it turns out, does a lot of Medicare enrollment work and is the official Medicare traffic cop when it comes to determining if people have enrolled for various parts of Medicare on a timely basis Adding Part B, which covers doctors, outpatient and medical equipment expenses, along with Part A hospital insurance, would provide her with whats called Original Medicare coverage It also would qualify her to purchase other types of Medicare insurance, including a Part D drug plan and either a Medigap policy or a Medicare Advantage plan After waiting on hold for than an hour, Phyllis was told by the SSA representative that she could apply for Part B online She was uncomfortable with that, so the rep provided her detailed instructions about how to download and complete a Part B application form This guidance included how she should address and mark the envelope to make sure it went to the right place She did this weeks in advance of her employer coverage ending After waiting and waiting for a response, she finally called the local office again, waited on hold for than an hour a second time, and was told no one at that office had ever seen her application form During the first of what became three trips to a Social Security office, Phyllis tried to sign up for Medicare The office was located in a congested area, with street parking whose meters permitted no than two hours of parking time So, Phyllis thought it would be prudent if she scheduled an appointment The Social Security website provides information on how to do this, but she was told by someone in the local office that it did not do visits by appointment Being a walk in, as she later learned, guaranteed long delays And when she wanted to go refill her parking meter and avoid a possible parking ticket, she was told she would lose her place in line if she left the office Phyllis found another Social Security office farther away, where parking was not a problem While she was signing up for Part B, no one told Phyllis about the need for Part D prescription drug coverage or even about the existence of Medicare Advantage plans, which are formally designated as Part C of Medicare They have become an increasingly popular alternative to Original Medicare, and now are the choice of than 30 percent of Medicare users More than 40 million people have Part D drug plans But the first that Phyllis learned about signing up for a Part D plan was shortly before being dinged with a late enrollment penalty Four months after signing up, she had still not seen any evidence that she actually had a Part D plan, and acknowledged that penalties might still be possible Phyllis wound up with Original Medicare, the hoped for Part D plan, and a Medigap policy This is one of two classic paths into Medicare The other involves a Medicare Advantage plan, usually bundled with Part D drug coverage She later admitted she chose her Medigap insurer because it was the only company that answered the phone when she called All my assumptions were wrong, she says Although her coverage didnt begin until August 2015, Phyllis quickly realized she might have made key mistakes, and began a new round of research to get ready for Medicares annual open enrollment period, which runs each year from October 15 to December 7 Open enrollment is the annual equivalent of a Medicare do over It permits people to choose new plans, usually with no adverse coverage or pricing consequences Its a great deal, but like much else about Medicare, people often dont understand how it works No one told them Read on, and consider yourself told.The indispensable guide to Medicare that does for this essential program what Get Whats Yoursdoes for Social Security Jane Bryant Quinn, author of How to Make Your Money Last and Making the Most of Your Money Now Medicare, like Social Security, has become ridiculously complicated Which makes a new book about the health insurance program all the valuable Get Whats Yours for Medicare should be required reading for everyone approaching age 65 Glenn Ruffenach The Wall Street Journal Phil Moeller is my pick as travel guide for smarties who had no idea how many potholes we could encounter in the back roads and highways of elder care Ellen Goodman Get What s Yours Read More About This Book Name Generator and Avatar Creator The Sexy Name Decoder Select an to Get Your Decoder is online quiz with just one question what your name Our Madden NFL Wishlist on Yours Operation top of my list a involved, organic, enjoyable career mode There so much potential Monaco Is Mine Steam Monaco single player or co op heist game Assemble crack team thieves, case the joint, pull off perfect Main My Big Idea Idea was nationwide ideas competition focused creating positive change for Australia We re asking Australians submit ways improve aspects our country from how boost economic growth, care disadvantaged, reduce damage natural 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    • Get What's Yours for Medicare: Maximize Your Coverage, Minimize Your Costs
    • 2.2
    • 126
    • Format Kindle
    • 1501124005
    • Philip Moeller
    • Anglais
    • 08 November 2017

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