Rabu, 18 Agustus 2010

Date of Birth: 7/8/1940
Marital Status: Married
Tax Filing Status: Joint
Type of Medicare Coverage: Part A
Do you have Medicaid: Yes
Are you living outside of the U.S.: No
Household Income Range: $170,001 - $214,000
Are you receiving health benefits from employer: No
Retirement type: Retired with Health Benefits

There are two parts to Medicare: Part A and Part B. Medicare Part A helps cover your inpatient care in hospitals, critical access hospitals and skilled nursing facilities. It also covers hospice care and some home health care. Medicare Part B helps cover your doctors’ services, outpatient hospital care, and some other medical services that Medicare Part A doesn’t cover, such as some of the services of physical and occupational therapists, and some home health care. Medicare Part B helps pay for these covered services and supplies when they are medically necessary. For more coverage information, please visit the Your Medicare Coverage section of our website.
If you qualify for Medicaid, you may be eligible for help in paying for medical expenses under your state Medicaid program. Medicaid may help pay out of pocket Medicare expenses such as premiums, deductibles and coinsurance. For more information please call 1-800-Medicare (1-800-633-4227).

Based on the information you provided, your Initial Enrollment Period ended on October 31, 2005 and you may have to wait until the next General Enrollment Period to enroll. The General Enrollment Period is January 1 through March 31 each year. When March 31 falls on a non-business day, the General Enrollment Period is extended to the next business day. If you sign up for Medicare Part B during a General Enrollment Period, your coverage starts on July 1 of that year.
Most people pay monthly for Medicare Part B. The premium for Medicare Part B is $154.70 in 2010. Your Medicare Part B premium may go up 10 percent for each 12 month period that you could have had Medicare Part B, but didn't take it. This monthly premium is deducted from your Social Security, Railroad Retirement, or Office of Personnel Management annuity check. If you don't get any of these payments, Medicare will send you a bill for your Part B premium every 3 months. Go to the Part B Late Enrollment Penalty Calculator to calculate your Medicare Part B premium. For more information and to enroll in Part B, call Social Security at 1-800-772-1213 or visit or call your local Social Security office.
Although you don't have to take Part B, you must be enrolled in Parts A and B to join a Medicare Advantage plan

Generally, if you have supplemental insurance through your former employer or union, it is considered a secondary payer and pays after Medicare. Your retiree benefits often covers the deductible and/or co-payments required by Medicare. Retiree coverage (not a Medigap policy) might not fill the gaps in Medicare coverage, but might offer other benefits such as prescription drug coverage and routine dental care. Retiree coverage might not pay your medical costs during any period in which you were eligible for Medicare but didn't sign up for it. If you are not sure how your plan works with Medicare, get a copy of your plan’s benefits booklet or look at the summary plan description provided by your former employer or union. You can also call your benefits administrator and ask how the plan pays when you have Medicare. Note: When you have retiree coverage from an employer or union, they have control over this insurance. They may change the benefits or the premiums and can also cancel the insurance if they choose
*Classy Sassy*

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