If a new employer offers insurance that meets the Medicare-specific rules, the employee can unenroll from Medicare Part A and Part B. In this case, there’s no issue with going in-and-out of Medicare. Without re-enrolling in Medicare, an employee can end up paying for both plans.

If you are over 65 and losing your job, when you leave the company, your employer is required to fill out a form confirming you have been on that plan since you were at least 65. That form is helpful for enrolling in Medicare; they will give you a period where you are eligible to join Medicare after reaching 65.

Under the Consolidated Omnibus Budget Reconciliation Act (COBRA), workers and their families who lose health benefits have the right to choose to continue group health benefits provided by their group health plan. For limited periods and with specific limitations (job loss, reduction in work hours, job transition, death, divorce, etc.), qualified individuals might be required to pay the entire premium for coverage up to 100 percent of the cost of the plan.

COBRA might be beneficial in a pinch, but overall, it could be a more expensive proposition. Typically, employers foot some or much of the monthly premiums; without an employer, you’ll be paying in full. Also, COBRA coverage doesn’t count as qualifying insurance instead of Medicare.

The different parts of Medicare play a critical role in creating the most tailored plan to suit your needs. Have a backup plan to pay for the things that won’t be covered under Medicare, such as dental work and routine hearing or vision care, long-term care, cosmetic procedures, or medical care overseas.

Medigap – a supplemental policy – is typically paired with Medicare to help cover out-of-pocket costs like deductibles and coinsurance. These are standardized regardless of which insurance company sells them. Depending on where you live, the premiums can vary among locations.

To learn more or consult with a representative about Medicare, contact the experts at Senior Health Medicare today.

Senior Health Medicare is a superior resource for Medicare guidance, information, and ongoing client support. Selecting a Medicare plan is not a flippant decision. It requires annual revisiting and re-evaluating in order for the member to retain the most cost-effective plan. Senior Health Medicare is here to serve as your resource through all the years to come. Contact us today at 888-404-5049 or visit us on the web at www.seniorhealthmedicare.com.

Written by the digital marketing staff at Creative Programs & Systems: www.cpsmi.com.

• Switch to a different Medicare Advantage Plan with or without drug coverage
• Revert to Original Medicare and join a Medicare Prescription Drug Plan if needed

If you choose either of the above options, your new coverage will begin the first day of the month after your new plan gets your request for coverage. Keep in mind, if you revert to Original Medicare, you might not be able to purchase a Medicare Supplement Insurance (Medigap) policy.

Those who already have Original Medicare do not qualify for the Medicare Advantage Open Enrollment Period.

To understand and be confident in your Medicare coverage choices, contact the experts at Senior Health Medicare today. We can help you select the right Medicare Advantage Plan and explore options.

Senior Health Medicare is a superior resource for Medicare guidance, information, and ongoing client support. Selecting a Medicare plan is not a flippant decision. It requires annual revisiting and re-evaluating in order for the member to retain the most cost-effective plan. Senior Health Medicare is here to serve as your resource through all the years to come. Contact us today at 888-404-5049 or visit us on the web at www.seniorhealthmedicare.com.

Written by the digital marketing staff at Creative Programs & Systems: www.cpsmi.com.

Rehabilitation Services
Medicare will cover hospital, rehabilitation center, or skilled nursing facility care for those who have suffered from a stroke.

Medicare Part A will cover any inpatient rehabilitation necessary, as long as the patient’s doctor deemed it necessary. Stroke recovery care is factored into the requirements and costs associated with a typical skilled-nursing-facility. 

Medicare Part B will cover any needed outpatient rehabilitation such as physical therapy as long as the patient’s doctor noted it is necessary.

Medical Equipment
Medicare Part B will cover durable medical equipment as long as it is medically necessary for stroke survivors. Items on this list include wheelchairs, walkers, lifts, canes, etc.

If you have high risk factors for stroke, be vigilant and discuss your Medicare coverage with your provider. It is crucial to understand your costs fully, should you suffer from a stroke in the future. Take note of equipment, charges, services, and more in the event you will need to utilize your coverage.

To speak with one of our expert representatives regarding Medicare and coverage for stroke victims, contact Senior Health Medicare today.

Senior Health Medicare is a superior resource for Medicare guidance, information, and ongoing client support. Selecting a Medicare plan is not a flippant decision. It requires annual revisiting and evaluation in order for the member to retain the most cost-effective plan. Senior Health Medicare is here to serve as your resource through all the years to come. Contact us today at 888-404-5049 or visit us on the web at www.seniorhealthmedicare.com.

Written by the digital marketing staff at Creative Programs & Systems: www.cpsmi.com.

Medicare will cover the coronavirus vaccine, thanks to the CARES Act, which was passed by Congress in March 2020. Medicare Part B is required by the CARES Act to 100 percent cover FDA-Approved COVID-19 vaccines. This means if you are a Medicare beneficiary, you will have no out-of-pocket costs for the COVID-19 vaccine.

The COVID-19 vaccine was developed with $10 billion in funding from the federal government. Under the CARES Act, the vaccine is free to all. The Medicare Trust Fund covers 100 percent of the vaccine’s cost for those Medicare and/or Medicaid beneficiaries. Private insurers are required to offer the vaccine for free to plan members. No money is allowed to be collected from vaccine patients by providers who administer the vaccine. Even if the insurance company (or Medicare) doesn’t reimburse the provider, they still are banned from billing the patient for the balance.

Those without insurance can get the vaccine for free under the CARES Act. Providers who administer the vaccine to people who do not have health insurance can submit a reimbursement request.

If you get the COVID-19 vaccine and receive a bill, it might have been for other services not related to the shot. If your only reason for an office/doctor visit is due to COVID-19, you should not receive a bill. If you received other services in the same visit, your regular Medicare cost-sharing would apply.

Currently, the CARES Act specifies only two Federal Drug Administration (FDA)-approved vaccines for COVID-19: the Pfizer/BioNTech vaccine and the Moderna vaccine. Several other vaccines are in development and testing stages; if they are approved for use by the FDA, Medicare will cover those also. Both approved vaccines require two doses (or shots) for complete immunity. Depending on the shot you obtained, you should receive a second dose three or four weeks later.

The chances of getting COVID-19 from the vaccine are impossible. Most vaccines introduce a live virus into the body to provoke an immune response. The Pfizer/BioNTech and Moderna vaccines do not include any actual coronavirus. Instead, they use messenger RNA (mRNA) technology. This process provides genetic coded cells needed to produce proteins that stimulate the immune system. It is a novel implication in vaccines; however, this has been used in cancer immunotherapy for years and is rigorously tested.

For more information about the COVID-19 vaccine related to Medicare, contact the experts at Senior Health Medicare today.

Senior Health Medicare is a superior resource for Medicare guidance, information, and ongoing client support. Selecting a Medicare plan is not a flippant decision. It requires annual revisiting and re-evaluating in order for the client to stay in the most cost-effective coverage. Senior Health Medicare is here to serve as your resource through all the years to come. Contact us today at 888-404-5049 or visit us on the web at www.seniorhealthmedicare.com.

Written by the digital marketing staff at Creative Programs & Systems: www.cpsmi.com.

Medicare Advantage Plan (Part C) might offer eyeglass, contact, and prescription sunglass vision coverage. Vision benefits such as routine eye exams might also be covered. Each plan is different, so make sure to talk to your provider regarding eye health items offered within your plan and how they are covered.

Medicare Part B will help pay for corrective lenses following cataract (implanting an intraocular lens) surgery. One pair of standard-frame eyeglasses or a single set of contact lenses, along with 20 percent of the Medicare-approved amount for the lenses after each surgery, will be covered. In these cases, the Part B deductible will apply, and you will also pay 20 percent of the Medicare-approved amount. Any additional costs for upgraded frames will also be your responsibility.

Talk to your healthcare provider to determine the price of your item, service, or test. The exact amount you will owe depends on factors such as other insurance you have, how much your doctor charges, whether your doctor accepts assignment, the type of facility, and the location of your test, item, or service.

Oftentimes, your doctor or medical provider might recommend you receive services more often than what Medicare covers. They might also suggest services that Medicare doesn’t cover. In this case, you might have to pay some (or all) of the expenses. To understand why your doctor recommends certain services and whether Medicare will pay for them, ask questions and gather information.

Contact lens and glasses coverage is limited outside of a Medicare Advantage plan. Make sure you consider your eye health needs when you select the Medicare coverage for you.

For more information, refer to the full article on Medicare.gov.

Senior Health Medicare is a superior resource for Medicare guidance, information, and ongoing client support. Selecting a Medicare plan is not a flippant decision. It requires annual revisiting and re-evaluating in order for the client to stay in the most cost-effective coverage. Senior Health Medicare is here to serve as your resource through all the years to come. Contact us today at 888-404-5049 or visit us on the web at www.seniorhealthmedicare.com.

Written by the digital marketing staff at Creative Programs & Systems: www.cpsmi.com.

Medicare can assist you in taking better care of yourself this year through preventative services such as yearly wellness visits and screenings for breast cancer, diabetes, and heart disease. Most of these services are free for beneficiaries and are vital to maintaining your overall health. By targeting issues early, these programs help keep you from getting sick and slow disease progression.

To discuss preventative services, contact your doctor, who will also tell you the best time to schedule them. Understanding your coverage and taking advantage of these preventive services is an excellent way to jump-start 2021. Before you leap, be confident in your plan choice. If you have questions, contact your Medicare provider, who can help answer questions and ensure that you are getting the most out of your benefits.  

For more information about Medicare or to schedule an appointment with a specialist who can guide you through the process, contact Senior Health Medicare today.

Senior Health Medicare is a superior resource for Medicare guidance, information, and ongoing client support. Selecting a Medicare plan is not a flippant decision. It requires annual revisiting and re-evaluating in order for the client to stay in the most cost-effective coverage. Senior Health Medicare is here to serve as your resource through all the years to come. Contact us today at 888-404-5049 or visit us on the web at www.seniorhealthmedicare.com.

Written by the digital marketing staff at Creative Programs & Systems: www.cpsmi.com.

Medicare Savings Programs: There are four savings programs run by every state. They can help you pay for your premiums and other expenses. To see whether you qualify, contact your state Medicaid program.

Extra Help: Those with limited revenue or resources can qualify for Extra Help for Part D drug costs. If you have applied for Medicaid or one of the Medicare Savings Programs, Extra Help will automatically be enacted for drug costs. You can apply for free online through the US Social Security Administration.

Medicaid: A joint federal and state program that is tailored to help those with limited income and resources, aiding with medical costs. Medicaid offers benefits not typically covered by Medicare, such as nursing home and personal care services. Every state has its own guidelines.

The most efficient way to save money is to choose the right health and drug coverage. The Medicare Plan Finder compares Medicare coverage options. You can also reduce your Medicare premiums by enrolling on time, reporting changes in income, and shopping around for plans.

To learn more about Medicare costs and lower them with help from professionals, contact Senior Health Medicare today. Our experts are ready to assist you with all your Medicare questions, concerns, and needs.

Senior Health Medicare is a superior resource for Medicare guidance, information, and ongoing client support. Selecting a Medicare plan is not a flippant decision. It requires annual revisiting and re-evaluating in order for the client to stay in the most cost-effective coverage. Senior Health Medicare is here to serve as your resource through all the years to come. Contact us today at 888-404-5049 or visit us on the web at www.seniorhealthmedicare.com.

Written by the digital marketing staff at Creative Programs & Systems: www.cpsmi.com.

Medicare Advantage plans are cheap, but they automatically un-enroll you from original Medicare.

Pros:

• Monthly premiums are relatively inexpensive, with some costing $0 per month.
• Part D drug plans are usually included (for convenience, not efficiency.)
• Fitness memberships or other incentives are sometimes included.

Cons:

• Small and intricate medical networks determine your available medical providers. You most likely will have to change your doctor to become “in-network” before claims are covered.
• Extremely high out-of-pocket costs (OPCs) if you aren’t in perfect health.
• If OPCs rise due to illness or injury, you cannot revert to original Medicare, thereby paying the high OPCs eternally.
• Network restrictions equal limited nationwide coverage. Insurance is usually not applicable in remote medical facilities, so traveling is an issue. For example, The Mayo Clinic will not take Medicare Advantage plans.

Medicare Supplement (Medigap) plans cost more, but the coverage they provide is exemplary.

Pros:

• Almost everything is covered, depending on your plan. OPCs are relatively low/non-existent.
• Eligibility allows you to enroll in a supplement plan, not only during the Annual Election Period.
• Coverage is easier to comprehend and predictable.
• Doctors usually accept original Medicare and your corresponding supplement plan.
• Is almost always accepted nationwide.

Cons:

• Medicare supplement plans are more expensive than Medicare Advantage plans.

With either choice, you can continue to pay a monthly Part B premium to Medicare. The main things to consider are:

1. Do you want the choice of any provider or are you willing to choose a provider from within a network?
2. Would you rather buy a separate prescription drug plan or get drug coverage included in one plan?
3. Would you rather pay higher monthly premiums and have lower out-of-pocket costs for services or pay a low monthly premium and co-pays for services as you use them?

Your Medicare needs are personal. Navigating through the options can be confusing and misleading. To talk to a professional and learn more about Medicare, contact the experts at Senior Health Medicare today. Our agents are ready and available to help you make the best decision possible…for your health and wellbeing.

Senior Health Medicare is a superior resource for Medicare guidance, information, and ongoing client support. Selecting a Medicare plan is not a flippant decision. It requires annual revisiting and re-evaluating in order for the client to stay in the most cost-effective coverage. Senior Health Medicare is here to serve as your resource through all the years to come. Contact us today at 888-404-5049 or visit us on the web at www.seniorhealthmedicare.com.

Written by the digital marketing staff at Creative Programs & Systems: www.cpsmi.com.

Safeguard your card by taking the following steps:

• Keep your Medicare number private. If anyone calls asking for your number, don’t give it. This is a common Medicare scam.
• Money or gifts for free medical care should be refused. It’s a common ploy by identity thieves who say they need your number to verify certain things.
• Keep track of your doctor’s appointments and upcoming tests, and use a calendar to record appropriately. Look for items and services listed on your Medicare statements, along with other details that might be incorrect. If you see a suspicious charge or service and you know the provider, call the office directly to inquire.
• Stay alert during the coronavirus pandemic since con artists take advantage of people who are highly distracted or disoriented.

If you suspect Medicare fraud, call 1-800-Medicare or call the Medicare Drug Integrity Contractor at 1-877-7SAFERX. To speak with a professional regarding your Medicare plan, contact Senior Health Medicare today.

Senior Health Medicare is a superior resource for Medicare guidance, information, and ongoing client support. Selecting a Medicare plan is not a frivolous decision. It requires annual revisiting and re-evaluating in order for the client to stay in the most cost-effective coverage. Senior Health Medicare is here to serve as your resource through all the years to come. Contact us today at 888-404-5049 or visit us on the web at www.seniorhealthmedicare.com. Written by the digital marketing staff at Creative Programs & Systems: www.cpsmi.com

1. Following your retirement, will your employer coverage continue? When you have retiree coverage from an employer or union, they generally control it. Employers are not required to provide retiree coverage; they can modify benefits, premiums, or cancel coverage.
2. Do you know the cost and specific coverage? Employers or unions might offer retiree coverage for you and/or your spouse but under certain limits and restrictions. It might only provide “stop loss” coverage, which begins paying your out-of-pocket costs once they reach a certain amount.
3. When you are eligible for Medicare, what happens to your retiree coverage? If you were eligible for Medicare but didn’t sign up for it during any period of time, retiree coverage might not pay your medical costs. When you become eligible for Medicare, it is imperative that you enroll in both Part A and Part B to get full benefits from your retiree coverage.
4. How does your retiree coverage work with Medicare? Obtain a copy of your plan’s benefit booklet and check out the summary plan description. Your employer or union usually provides this. You can also call your employer’s benefits administrator if unable to locate this information in the booklet.

If your former employer goes bankrupt or closes the business, Federal COBRA rules might protect you if any other company within the same corporate organization continues to offer a group health plan to its employees. That specific plan is required to provide you with COBRA continuation coverage. If COBRA continuation coverage is unavailable to you, purchasing a Medigap policy is possible, even if you are no longer in your Medigap open enrollment period. 

Your State Health Insurance Assistance Program (SHIP) can advise whether to purchase a Medicare Supplement Insurance (Medigap) policy. Your retiree coverage is probably similar to coverage under Medicare Supplement Insurance (Medigap) since Medicare pays first after you retire. Retiree coverage isn’t the same thing as a Medigap policy, however, they both usually offer benefits that fill in some of Medicare’s gaps in coverage (coinsurance and deductibles.)  Sometimes retiree coverage provides extra benefits such as coverage for additional hospitalizations.

For more information regarding Medicare or retiree coverage, contact the experts at Senior Health Medicare today. We strive to provide answers with quality customer service, satisfaction, and care.

Senior Health Medicare is a superior resource for Medicare guidance, information, and ongoing client support. Selecting a Medicare plan is not a decision to take carelessly. It requires annual revisiting and re-evaluating in order for the client to stay in the most cost-effective coverage. Senior Health Medicare is here to serve as your resource through all the years to come. Contact us today at 888-404-5049 or visit us on the web at www.seniorhealthmedicare.com.

Written by the digital marketing staff at Creative Programs & Systems: www.cpsmi.com.