Help for Part D drug costs is a different program from the Medicare Savings Program that helps people with Medicare costs. Help for drug costs can be applied for at SSA.gov, while the Medicare Savings Program must be applied for through a state Medicaid office or website.
People on Medicare with low income can get help paying their Medicare Part B premium and possibly their Medicare co-pays and deductibles. It all depends on how low their income is.
More than 14 million Medicare beneficiaries are now enrolled in private Medicare Advantage plans, up 30 percent since 2010 in spite of concerns about payment changes enacted in the Affordable Care Act.
Smaller provider networks could be in the cards for Medicare Advantage plans due to payment reductions from Medicare. Smaller networks are usually lower-cost and this may be a necessity in the future.
The Obama administration has proposed payment cuts for Medicare Advantage plans in 2015. This could mean big changes for $0 premium plans in Arizona and around the country – or maybe not.
People who take only a few generic drugs will probably choose the lowest-cost Part D plan. But people who take brand drugs, especially expensive ones, need to do some research using the Medicare.gov Plan Finder.
Low-Income seniors will lose Medicare help they receive due to an error of omission in Washington – even though both political parties think the financial assistance program should continue.
Cold calling Medicare beneficiaries is against Medicare rules, but this being a slow time of year for insurance agents, seniors are getting calls that might disturb and/or confuse them.
For four years I wrote about Medicare in a blog that was part of Tucsoncitizen.com. Unfortunately, Gannett, the owner of the Tucsoncitizen.com, decided to shut down that site. I was able to move my 500 blog posts to this site.
Tucson is among the lowest-cost health insurance markets in the country. Health insurance is affordable in Tucson even without a subsidy. Tucson has seven companies offering over 100 different plans.
Part D is voluntary, but a penalty is assessed if a person does not enroll when they first get their Medicare. If a person turns 65 and waits five years to enroll in a Part D plan, she will pay a 50% premium penalty.
I read an interesting article by a woman living in Paris. This American in Paris compares her experience having a baby in the French health care system to what she knows about the American system.
Medicaid is being expanded for people with incomes up to 133% of the federal poverty level. But this expansion does not apply to people who have Medicare.
I checked the Medicare Advantage enrollment numbers for Pima County after the most recent Open Enrollment Period (October 15 – December 7, 2013) to see how each of the plans did with their enrollments. Did some companies lose members? Did some companies gain? Were there any big winners and losers?
Obamacare rules and issues: Once a person picks a plan through healthcare.gov, it cannot be changed – except in a case where the plan network is a problem. Adding or deleting a family member from an account was not possible until last week. Quite a few people have chosen plans without checking the doctor network.
Until January 1st of this year, enrollment in AHCCCS was limited to women with children whose income was below the federal poverty level. There have also been some health conditions that qualify people for AHCCCS. But as of January 1st, AHCCCS is accepting anyone with income up to 133% of the federal poverty level as part of Obamacare.
Generally, people enrolled in a Medicare Advantage plan are “locked into” that plan for all of 2013. But Medicare came up with the Medicare Advantage Disenrollment Period (MADP) to give people an escape route if they realize (early in the new year) that they made a mistake by enrolling in Medicare Advantage. Medicare allows people […]
Some people will not face a penalty if they don’t get some type of health insurance in 2014. From healthcare.gov Exemptions from the payment Under certain circumstances, you won’t have to make the individual responsibility payment. This is called an “exemption.” You may qualify for an exemption if: You’re uninsured for less than 3 months […]
Nearly 2.2 million people selected health insurance plans through the state and federal marketplaces as of Dec. 28, 2013. o 54 percent are female and 46 percent are male; o 30 percent are age 34 and under; o 24 percent are between the ages of 18 and 34, and; o 60 percent selected a Silver plan, while 20 percent […]
Some people who enrolled in a new health insurance plan are finding they are not yet “in the system” when they have tried to fill prescriptions after January 1st. Is this another sign that Obamacare doesn’t work? Not at all. You see, this is how insurance works when the system gets overloaded and there isn’t […]