Category: Medicare rules

Can I have Medicare and an HSA ?

Medicare and an HSA

There are rules against having Medicare and an HSA (Health Savings Account). I have recently gotten calls from two people who have Health Savings Accounts through their employers. They plan to keep working and they want to keep their employer…

You might pay a higher Medicare premium

You don’t have to be rich to pay a higher Medicare premium. I’m running into more and more clients and friends who are going to be hit with the Income-Related Monthly Adjusted Amount (IRMAA) when they enroll in Medicare…. and…

Don’t Forget To Pay Your Medicare Premium !

pay your medicare premium

Don’t forget to pay your Medicare premium ! Most people are paying $134 per month for Medicare Part B in 2018. Although, some people with higher income pay more because of the Income Related Monthly Adjustment Amounts (IRMAA). If you are…

Medicare and Dental Care

medicare and dental

When clients ask me about Medicare and dental coverage, I tell them Medicare covers dental services in certain situations.  But that was probably wrong information. I got an email from the Center for Medicare Advocacy which sued CMS (Medicare) on…

Medicare Coverage for Home Infusion

medicare coverage for home infusion

Medicare coverage for home infusion services is a problem for really sick people. Why is there no Medicare coverage for home infusion? I was checking on this because a young woman called me and asked if I could find her…

Home Health Services Covered by Medicare

Home health services covered by Medicare have limitations and rules. I just learned something new from the Medicare Rights Center. Home health services covered by Medicare: Original Medicare will cover certain home health care services through the home health benefit…

Medicare Coverage for Chiropractor Services

medicare coverage for chiropractor services

Medicare coverage for chiropractor services can cause billing problems. That’s because Medicare covers certain services among the many things a chiropractor does for a patient – and the patient could end up with a very big bill she thought would be paid by Medicare.

Medicare Coordination of Benefits

Don’t get caught up in a coordination of benefits mess when you enroll in Medicare. Some people have Medicare as well as employer health insurance.  This has caused confusion for a few of my clients. If a person has two…

Medicare and Health Savings Accounts

I’ve had questions recently from clients who have Medicare and health savings accounts (HSA). They were wondering how they can use their HSA once they are on Medicare. Some highlights from a Money Magazine article I just read are: *There…

EMPLOYER HEALTH INSURANCE AND MEDICARE

If you are eligible for Medicare and still working, or if you have employer health insurance through your spouse, there are some rules you need to know. If you are 65 and still working – and your employer has fewer…

Working Past 65 and Medicare

Signing up for Part B can get complicated when a person works past 65. Jim had to make multiple trips to the Social Security office to prove he had employer coverage after he turned 65

Preventive Services and Medicare

I had a call yesterday from a client who got a bill from her gynecologist.  She has a Plan F Medicare supplement and I have told her she should never get a bill – because Plan F fills every gap…

Medicare and Same-Sex Marriage

UnitedHealthcare is the largest health insurance company in the country – – and its “customer service” people are not aware of changes in Medicare rules that affect same-sex couples with employer coverage.

No More Limits on Physical Therapy

A New York Times articles says Medicare has ended limits on how much physical therapy a person can receive. The rules used to be that if a person receiving physical therapy was not improving, Medicare would no longer pay for…

Turning 65: Do you need to enroll in Medicare?

Every day 10,000 American baby-boomers turn 65 .  Most will enroll in Medicare, but many will not. Not everyone needs to enroll in Medicare because some people continue working and are covered by their employer’s health insurance.  A person who…

Working Past 65 and Medicare Part B

In the last few months, I’ve helped four or five people who continued working after they turned 65.  Some had kept their employer health insurance while others had enrolled in Medicare. They all had questions, and the answers depended on…