Turning 65 this year? There are some things you need to know.

If you're turning 65 or going on Medicare for the first time this year, there are some things you need to know before you sign up. Please join me for Getting Started with Medicare, an informational seminar that covers all the basics. We'll  answer all your questions so you'll be ready when the time comes to go on Medicare. 

Preregistration is required. Please register by calling the phone number listed for the class you wish to attend. These events are only for educational purposes and no plan specific benefits or details will be shared. Some venues charge a nominal fee.

Wednesday, February 19, 2014

Willoughby Senior Center

1:00 pm – 2:30 pm

38032 Brown Avenue, Willoughby, OH 44094

440-951-2832

Wednesday, February 26, 2014

Chagrin Falls Community Education

7:00 pm –  8:30 pm

342 E. Washington St, Chagrin Falls, OH 44022

440-247-5375

Tuesday, March 4, 2014

Lakeland Community College

6:30 pm – 8:30 pm

7700 Clock Tower Drive, Kirtland, OH 44094

440-525-7116

Please visit my website at www.mutskoinsurance.com 

for additional class dates and times.

If you have health insurance, you're covered for these 10 essential services

      You no longer have to guess whether you’re covered for many important services. 

The Affordable Care Act requires that all health insurance plans cover the following ten essential health benefits:

     Emergency services

     Hospitalization

     Laboratory tests

     Maternity and newborn care

     Mental health and substance-abuse treatment

   Outpatient care

   Pediatric services including dental and vision care

   Prescription drugs

   Preventive services and management of chronic disease

   Rehabilitation services

Affordable Care Fact: What will happen if I don't get insurance?

The deadline to sign up for a healthcare is March 31. Anyone who has not signed up for health coverage by then will be charged a penalty. The penalty in 2014 will be calculated one of two ways . . . either 1 percent of the annual household income or $95 per person for the year, whichever is higher. If there is a child in the home under the age of 18 the penalty will be $47.50 for that child.

The penalties increase next year to 2 percent of the yearly household income or $325 per person. The penalty for children will be $162.50.

Choosing to pay the penalty may not save you as much as you think. Many consumers are  eligible for insurance plans at surprisingly low rates. Those who choose to pay the penalty will receive nothing for it, and will still be responsible for the full bill for any of their routine or emergency medical expenses. A one-time trip to the emergency room can run into thousands of dollars making insurance the smarter choice.

Open Enrollment for the Affordable Care Act ends March 31^st so time is running out for you to get signed up. To learn more, call me at Mutsko Insurance Services, LLC at 440-255-5700 to discuss your options. Let me help you choose the coverage that makes the most sense for you, your family and your budget.

 

The positive side of the Affordable Care Act

Let's face it. The Affordable Care Act (Health Care Reform) got off to a rocky start.  For months, we have been hearing all the negative about the program. But in spite of all the bad publicity, there are a lot of good things about the Affordable Care Act that will be life changing for you and your family.  Let’s take a few moments to put aside everything we have been hearing and take a look at some of the positive aspects of it.

Coverage for Pre-Existing Conditions

Health insurers can no longer raise your premiums, refuse to cover you or drop you from your plan because you have cancer, asthma, diabetes, arthritis - - - or any other medical condition.  You will be able to get health insurance coverage regardless of any pre-existing conditions.

Coverage will Include Preventive Care

Diabetes and cholesterol screenings, mammograms and immunizations are all covered. This means you can catch the little things before they turn into bigger problems. Your coverage will also include services like flu shots, and smoking cessation and diet counseling to make staying healthy a lot easier.

Under the law, children under age 19 will be able to get their teeth cleaned twice a year, as well as receive X-rays, fillings and medically necessary orthodontia. In addition, children under age 19 will be entitled to an eye exam and one pair of glasses or set of contact lenses a year.

Lifetime Dollar Limits are Gone
In the past, health insurers could set a limit on how much your plan would pay over a specified period of time. If you had a bad year or an expensive illness, your coverage might run out. This dollar limit will be fully phased out.

Financial Help with Tax Credit or a Subsidy

Many people will qualify for a tax credit or a subsidy if they purchase coverage through the Federal Health Insurance Marketplace. Not everyone will qualify for this help, but if your earnings are below a certain level and you don’t have access to other affordable coverage through an employer-sponsored plan or state assisted plan like Medicaid, you may qualify for this financial assistance.

The plan you select will determine your premiums, deductibles and co-pays. Call me at 440-255-5700 to learn more. I’ll help you choose the coverage that makes the most sense for you, your family and your budget. Let’s get started today. I can be reached at 440-255-5700 or email at lmutsko@mutskoinsurance.com. For more information, visit her website at www.mutskoinsurance.com

Introducing our new website!

I'm pleased to introduce Mutsko Insurance Services's brand new website. Click here to check it out at http://mutskoinsurance.com

Our newest feature gives you the ability to get online insurance quotes from me. Just click on the Online Quote link and fill in your information. I'll shop around and present you with up to three different choices of the best insurance plans to fit your needs. It can be a great time and money-saver for you.

While you're visiting the site, please sign up for our free quarterly newsletter. It's quick and easy to do. If you want to see a sample of the information that is contained in the newsletters, you can read some of the previous issues on the website.

Let me know how you like our new website. And, if you have any suggestions on improvements we can make, please let me know.

Get all your Medicare questions answered.

To help bridge any Medicare information gaps, I will be presenting 90 minute informational sessions called,  "Getting Started with Medicare."  Please register for one of the following classes:

 

Tuesday, October 29, 2013

Mentor Library – Garfield Room

 6:30 pm – 8:30 pm

8215 Mentor Ave.

Mentor, OH 44060

440-255-5700

 

Friday, November 1, 2013

Andover Library

1:00 pm - 3:00 pm

142 W. Main St.

Andover, OH 44003

440-293-6792

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

How Can I Get Vision and Dental Coverage Under Medicare?

Dental and routine eye exams for eyeglasses or contact lenses are not covered by Original Medicare.

Some Medicare Advantage Plans Offer Vision and Dental Coverage.         

Medicare Advantage Plans (Medicare Part C) offer the same coverage as Original Medicare Parts A and B, plus a number of additional benefits that Original Medicare does not offer. Dental and vision care is often included in Medicare Advantage plans.

Medicare Supplements May Have Vision and Dental Coverage Options.

Medicare Supplement Insurance Plans (Medigap) are insurance plans that can help pay for costs that Original Medicare doesn’t cover. Some Medicare Supplement Insurance plans offer discounts or additional dental and vision benefits.

Considering Your Choices. It’s important to research the Medicare options that are available to you. Call me to set up an appointment today and I’ll help you find the plan that’s most suitable for you. Call 440-255-5700 or email me at lmutsko@mutskoinsurance.com