Medicare and an HSA

Can I have 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 [...]
pay your medicare premium

Don’t Forget To 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

Medicare and Dental Care

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) [...]
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 a Medicare Advantage [...]

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 [...]
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 [...]

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 major medical [...]

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 [...]


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 than 20 employees, you [...]

Working Past 65 and Medicare

Jim is in his mid-70’s and is still working. His current employer offers health insurance, but it’s not that good so he decided it was time to sign up for Medicare Part B. I sent him the form his employer needed to fill in and sign to show [...]

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 in Medicare.  If Medicare pays the bill, [...]

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. I googled [...]

Do I Need Medicare Part B?

I have talked to people who did not want to spend $104.90 on the Medicare Part B premium.  They said they could not afford it, or did not need or want it. I have talked to veterans who have only used the VA system and so did not sign up for [...]

Turning 65 and Medicare

If you’re turning 65 and Medicare is on your to-do list, here is what you need to know: How you enroll in Medicare depends on your current situation related to Social Security. 1) If you are receiving Social Security payments, you will [...]

Applying for Medicare: Did you change your name?

Have you changed your name after a divorce or for some other reason?  That could cause some complications when you go to sign up for Medicare. Wendy is turning 65 in September and went online to sign up for Medicare.  She put in her name [...]

Working Overseas: Do you need to enroll in Medicare?

Here is a re-post of an article from three years ago.  I received an email from an American who was working in France for Airbus, a French company.  He was turning 65 and wanted to know if he needed to enroll in Medicare – even though he [...]

Is your doctor a Medicare participating provider?

The Kaiser Family Foundation has a report on doctors who accept, or do not accept, Medicare patients. 96% of eligible physicians and practitioners are “participating providers” in Medicare. They agree to charge Medicare’s standard fees [...]

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 Physical Therapy [...]

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 [...]
senior health insurance plan funding cut

Help For Low-Income Medicare Beneficiaries

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. The income limits provided below apply to most states, but not [...]

Obamacare: Medicaid Expansion does not apply to people on Medicare.

Under Obamacare 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. There has been a lot of talk in the last few months about how Medicaid [...]

Did you change your Part D plan for 2014?

Anyone who changed their Part D dug plan or their Medicare Advantage plan for 2014 needs to pay attention to a few things. 1)  Did you get your new id card for your plan?  If not, you need to call your broker or the insurance company to find [...]

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 [...]

Who gets help with Medicare premium and drug costs?

Low-income Medicare beneficiaries get help with their Medicare Part B premium and their prescription drug costs.  Income levels that qualify for help have been raised for 2013. Anyone on Medicare with monthly income below $1,313 (individual) [...]