Thursday, August 15, 2013

Medicare Changes Diabetic Supplies Program

In recent weeks, Medicare introduced a new national program that changes who and how much they will pay toward your diabetic supplies. It may mean changes for you the next time you go to replenish your testing supplies and equipment.

Beginning July 1, 2013 Medicare will pay the same amount for supplies, whether you buy them at a store or have them delivered to your home. Mail-order suppliers will need to be purchased from Medicare contracted mail-order suppliers.

If You Buy Diabetes Supplies from a Mail-Order Supplier

It’s important to find out whether your current mail-order supplier is a Medicare contract supplier. If it is, then that’s great. You can just keep on as usual. If your mail-order supplier is not contracted with Medicare, then Medicare will not cover what you buy. You need to find a contracted mail-order supplier that sells the strips you use.

Contracted suppliers must accept Medicare’s approved amount as payment in full for diabetes supplies. They can charge you only the 20% coinsurance, once you meet your deductible.

If You Buy Diabetes Supplies Locally

Some pharmacies and stores stock and sell diabetes test strips and other supplies. In this area, CVS and Sam’s Club accept the Medicare approved amount and can only bill you for the Medicare deductible or 20% co-insurance.  Other stores may charge you more than what Medicare will cover if they do not accept what Medicare pays as payment in full.

Be sure to ask the store or pharmacy you use how much you will be charged for diabetes testing supplies. If it is more than a 20% coinsurance, you may want to look for another place to buy supplies.

Want to know if your current provider is a Medicare contract provider?  You can check by visiting the Medicare.gov online Supplier Directory at http://www.medicare.gov/supplierdirectory/search.html or call the Medicare helpline 24 hours a day, seven days a week at 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048.

The program is in effect in all 50 states, the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Guam and American Samoa. It applies only to people who have Original Medicare. If you have a Medicare Advantage plan, you need to contact your plan for more information.

Tuesday, August 13, 2013

Three Major Medicare Myths


Myth #1: Medicare is free.
If only this were true! Medicare is not free. Just like other health insurance plans, people on Medicare may pay premiums, deductibles, co pays and coinsurance out of pocket. What each person pays will vary, depending on their specific Medicare plan, coverage and how it’s used.

Myth #2: Medicare covers everything.

Medicare covers a lot, but not everything. For example, Medicare does not cover:
-         Long-term care
-         Home health care, unless you meet very specific requirements.
-         Regular dental, vision or hearing care
       
In addition, Medicare will not help with the cost of personal care such as help bathing, dressing, eating or using the bathroom.

It’s also important to know that most prescription drugs are not covered under Medicare Part A or Part B. If you want drug coverage, you need to buy a Medicare prescription drug plan (Part D) or a Medicare Advantage plan (Part C) that includes drug coverage. These plans are offered by private companies that are approved by Medicare.

Myth #3: Medicare and Medicaid are the same.
 
While both Medicare and Medicaid are government programs and both programs help people pay for health care, that’s where the similarities end.

Medicaid is for people with limited income and resources and is governed by the states.
For more information or a refresher to bring you up to date on the latest Medicare information, please join me for one of my upcoming “Getting Started with Medicare” classes.  I’ll cover all the basics. These classes are educational only and no plan specific benefits or details will be shared.

Call to register for one of these upcoming classes:
Tuesday, September 10, 2013
Andover Library
2:00 pm – 4:00 pm
142 W. Main St.
Andover, OH 44003
440-293-6792

Monday, September 23, 2013
Willoughby Library
7:00 pm – 8:30 pm
30 Public Square
Willoughby, OH 44094
440-942-3200 x3

Tuesday, September 24, 2013
Concord Community Center
6:30 pm – 8:00 pm
7671 Auburn Road
Concord, OH 44077
440-6394650 – contact location for fee information

Wednesday, September 25, 2013
Chagrin Falls Community Education
Class Location:  Chagrin Falls Middle School Library
7:00 pm – 8:30 pm
342 E. Washington
Chagrin Falls, OH 44022
440-274-5375 – contact location for fee information

Wednesday, October 2, 2013
Mentor Senior Center
10:00 am – 12:00 pm
8484 Munson Rd.
Mentor, OH 44060
440-255-5700

Wednesday, July 31, 2013

The survey results are in. Some may surprise you.

The second annual United States of Aging Survey results are in. UnitedHealthcare, USA TODAY, and the National Council on Aging (NCOA) interviewed 4,000 U.S. adults for their views on and experiences with health preparedness, financial security, community support and technology use.

“The United States of Aging Survey has shown us for two years now that seniors are an optimistic group,” said Rhonda Randall, D.O., chief medical officer, UnitedHealthcare Medicare & Retirement. “By studying seniors’ priorities, successes and unmet needs, we hope to identify the services, programs and infrastructure that best support older adults so that future generations of seniors can have this same sense of optimism as they age.”

In general, seniors are optimistic, but it seems the optimism differs based on a person’s health and financial situation. Below are a few highlights from the survey.
The survey found most seniors express little concern about the status of their health today. At the same time, many are not investing in activities that are important to help manage their health for the long-term. The survey also found:
  • Although 6 in 10 seniors describe their health in the past year as “normal,” 65 percent of seniors report at least two chronic health conditions.
  • A majority (84 percent) say it is not very or not at all difficult to perform regular activities independently.
The survey found the opportunities for health improvement are even greater among low income seniors and those with chronic health conditions. The survey also found:
  • Low income seniors, in particular, report challenges in managing their health. Seventy-five percent of low income seniors with one or more chronic health condition face at least one barrier, such as lack of energy or money versus 53 percent of seniors overall.
The survey found that although most seniors are comfortable with their current financial situation, a majority of seniors express concerns about their long-term financial security. The survey also found:
  • More than half (53 percent) of seniors are concerned that their savings and income will be sufficient to last the rest of their life.
  • Forty-one percent of working seniors indicate Social Security will be their primary source of retirement income (compared with 23 percent of adults aged 18-59).
The survey found that while the majority of seniors agree that their community is responsive to their needs, many lack confidence that their community is prepared to the meet the needs of a growing senior population. The survey also found:
  • Nearly three-fourths (71 percent) of seniors say their community is responsive to their needs versus 61 percent of adults aged 18-59.
  • Only 1 in 2 (49 percent) seniors believe their community is doing enough to prepare for the future needs of the growing senior population (versus 45 percent of adults aged 18-59).
Naturally, people experience aging in different ways. To learn more on how other seniors experience aging or to get complete United States of Aging Survey results, visit http://www.NCOA.org/UnitedStatesofAging.
For more information, contact the Medicare helpline 24 hours a day, seven days a week at 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048. If you have questions about Medicare Made Clear, call 1-877-619-5582, TTY 711, 8 a.m. – 8 p.m. local time, seven days a week.

Resources

Medicare Made Clear talks about 2012 US of Aging results: Medicaremadeclear.com
United States of Aging Survey: National Council on Aging (ncoa.org)
Eldercare Locator: Resources and topics for healthy aging – Eldercar.gov

Saturday, July 27, 2013

1200 Lake County residents to turn 65 before the end of 2013.

More than 1200 people in Lake County, Ohio will be turning age 65 and going on Medicare before the end of 2013. To help bridge any Medicare information gaps, I will be presenting 90 minute informational sessions called,  "Getting Started with Medicare,"  at the following locations:
 
Thursday, August 8, 2013
Morley Library
6:30 pm – 8:00 pm
814 Phelps St.
Painesville, OH 44077
440-255-5700
 
Tuesday, August 13, 2013
Fairport Harbor Library
6:00 pm – 7:30 pm
335 Vine Street
Fairport Harbor, OH 44077
440-354-8191
 
For a complete list of other class dates and times, visit www.mutskoinsurance.com/seminars or call Mutsko Insurance Services at 440-255-5700.
 
Sessions are educational only: no specific insurance products or prices will be discussed.  Some fee may be required by individual locations. Pre-registration is required.
 
Don't guess about your health insurance. Get the facts. Plan to attend one of my classes before you need to make important decisions about Medicare. 

Wednesday, July 24, 2013

Health care insurance issues will dominate this fall.


Even though it’s only July, I'm preparing for a very busy fall and winter. Consumers are likely to be inundated with confusing information on Healthcare Reform Exchanges and Medicare Open Enrollment as soon as all the issues are finalized.

That's where I can help you.

I will be selling both Private and Federal Health Care Reform Exchanges once they become available later this year. I have been trained and am prepared to counsel individuals and businesses on upcoming required options for health plans.

Whether you are looking for health care information for yourself, your family or your business, I can help. Please refer your friends or family who are looking for a reliable agent to help them navigate the maze of information on Health Care Reform and/or Medicare changes for 2014.  I’ll help them purchase the Health Care Exchange or the Medicare Advantage Plan that will best suit their needs.

 Call me at 440-255-5700 with your concerns and we'll arrange a time to talk.

Thursday, July 18, 2013

There's No Family Plan with Medicare


The transition to Medicare often presents a dilemma for married couples who get their health insurance through the older spouse’s employer. When that spouse transitions to Medicare, the younger spouse, domestic partner and any dependents may be left without medical coverage.

If you and your spouse are in this situation, you have some considerations:
-          How many years will it be before the younger person becomes eligible for Medicare?

-          Does the younger spouse have access to a health plan through their employer?

-          Are there retiree health benefits from the spouse’s former employer that will cover the younger spouse? 

-          Does the younger spouse have a pre-existing condition that may be an obstacle to getting medical coverage.  (Beginning in 2014, an insurer can no longer discriminate on the basis of pre-existing conditions as part of the Affordable Care Act.)

Alternative health insurance options for younger spouses do exist.  Click here to learn some of your options: http://mutskoinsurance.com/news