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National Senior Services

Medicare News

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July 19, 2021

One of your largest retirement expenses is your health care. When you reach the age of 65, you will be eligible for Medicare and will be able to choose a health plan depending on your medical needs.

Read : Medicare Benefits Policy Manual

The 4 types of Medicare coverage are as follows:

1. Medicare Part A: Hospital insurance

Medicare Part A is hospital insurance and is one-half of Original Medicare, the federally regulated health insurance program. The following are covered in Part A:

  • Inpatient hospital treatment for injuries or diseases
  • Following a qualified hospital stay, short-term qualifying nursing facility care is available.
  • Nursing home care (if professional nursing care is considered medically required for you)
  • Short-term respite care and hospice care
  • Home health services that are eligible, such as physical therapy or occupational therapy

You don’t have to pay a Medicare Part A premium if you or your spouse paid Medicare taxes while working for a particular period of time. Most people are qualified for premium-free Part A coverage, but if you aren’t, you can purchase it. You could pay up to $471 per month, depending on how much you paid in Medicare taxes over your lifetime.

2. Medicare Part B: Medical insurance

Medicare Part B a is medical insurance, and it is the other half of Original Medicare. It covers medically necessary services that satisfy accepted standards of care and are required to diagnose or treat your illness. Preventative care, such as most vaccines and early-detection screenings, is also covered.

Medicare Part B coverage includes the following:

  • Flu shots
  • Mammograms
  • Yearly wellness doctor visits
  • Diabetes screenings
  • Ground ambulance transportation
  • Cardiovascular disease screenings
  • Durable medical equipment, including wheelchairs and blood sugar monitors

Unlike Medicare Part A, which usually does not require payment of a monthly premium, Medicare Part B requires payment of a monthly premium. The Part B premium in 2021 will be $148.50 per month, according to the US Centers for Medicare & Medicaid Services.

3. Medicare Part C: Medicare Advantage plans

Rather than Original Medicare, many people choose Medicare Part C, generally known as a Medicare Advantage plan.

Medicare Advantage plans, unlike Original Medicare, are issued by private health insurance providers and are not funded by the federal government. Part C plans combine the advantages of Parts A and B, and they frequently include things that Original Medicare doesn’t, such as hearing, dental, and vision care. Many plans also include coverage for prescription drugs.

In some circumstances, the out-of-pocket payments of a Medicare Advantage plan are less than those of Original Medicare, making them a more affordable option. In fact, in 2021, the average monthly payment, in addition to your Medicare Part B premium, is just $21.

4. Medicare Part D: Prescription drug plans

Many people are astonished to learn that Parts A and B of Original Medicare do not cover prescription drugs. You can enroll in a Medicare Part D plan if you want coverage for your prescriptions. This is a supplemental benefit that covers prescription drugs. You can acquire a prescription drug plan (PDP) that meets your needs through Medicare Part D.

According to the Kaiser Family Foundation, the national average prescription drug plan premium in 2021 is $30.50. The cost of your particular plan is determined by its coverage, deductible, and coinsurance or coayment amount.

When selecting a Medicare Part D plan, look over the plan’s formulary, which is a list of drugs that the plan covers. Formularies differ per plan, and they may or may not cover all of your required prescriptions. As a result, while comparing Medicare Part D plans, it’s critical to look at the different coverage options.

Choosing the right health plan

It’s crucial to remember the different aspects of each type of Medicare while enrolling in Medicare and choosing the right health plan for you. The National Senior Services can help you locate available plans in your area, compare rates, and check that your drugs are covered.

chris dsouaz

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February 1, 2017

Although popular love songs might tell you otherwise, a broken heart can’t kill you—but heart disease can. Heart disease is the leading cause of death in the United States for both men and women, taking about 610,000 lives each year—that’s 1 in every 4 deaths.

You might not be able to avoid Cupid’s arrow, but you can take steps to lower your risks and help prevent heart disease. Start by scheduling an appointment with your doctor to discuss whether you’re at risk for heart disease.

Medicare covers a cardiovascular disease screening at no cost to you every 5 years. The screening includes tests to help detect heart disease early and measures cholesterol, blood fat (lipids), and triglyceride levels.

If you and your doctor discover that you’re at risk for a heart attack or stroke, there are steps you can take to help prevent these conditions. You might be able to make lifestyle changes (like changing your diet and increasing your activity level or exercising more often) to lower your cholesterol and stay healthy.

February is American Heart month, so start showing your heart love by visiting the Million Hearts® Healthy Eating & Lifestyle Resource Center. Million Hearts is a national initiative to prevent 1 million heart attacks and strokes by the end of this year. The resource center was developed in partnership with EatingWell magazine, and features lower sodium, heart-healthy recipes and family-friendly meal plans to help manage sodium intake, a major contributor to high blood pressure and heart disease. All the recipes include nutritional facts and average cost per serving information. Use the search and filter options to quickly find the right meal for yourself and your family.

While you’re celebrating family and friends this Valentine’s Day, don’t forget to show your heart some love, too.

Filed under: Medicare coverage, Uncategorized

R Fisher

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January 18, 2017

If you’re among the 7 million Americans enrolled in the Qualified Medicare Beneficiary (QMB) Program, providers aren’t allowed to bill you for medical services and items that Medicare covers. This means you can’t be billed for Medicare deductibles, coinsurance, and copayments.

Here are 3 tips if you get a bill for these charges:

  1. Tell the provider or debt collector that you have QMB and can’t be charged for Medicare deductibles, coinsurance, and copayments. Show your provider your Medicaid or QMB card every time you get medical services or items. If you already made payments on a bill for services and items Medicare covers, you have the right to a refund.
  2. If the medical provider won’t stop billing you, call 1-800-MEDICARE (1-800-633-4227). TTY users can call 1-877-486-2048. The agent can confirm that you have QMB. Medicare can also ask the provider to stop improper billing, and refund any incorrect payments you made.
  3. If you have a problem with debt collection, you can send a complaint to the Consumer Financial Protection Bureau (CFPB) online or call the CFPB toll-free at (855) 411-2372. TTY users can call (855) 729-2372. CFPB will forward your complaint to the company and work to get you a response from them. Find out about your rights when responding to a debt collector or learn how to dispute an error on your credit report.

Remember, being in QMB means that you don’t pay Medicare deductibles, coinsurance, and copayments. If a provider asks you to pay, that’s illegal. We’re here to help.

Filed under: Uncategorized

R Fisher

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January 15, 2017

Are you at a high risk of getting glaucoma? Glaucoma is an eye disease that causes loss of vision—usually side vision—by damaging the optic nerve, which sends information from your eyes to your brain.

Fortunately, you can help prevent vision loss by finding and treating problems early—and Medicare can help. We cover a glaucoma screening once every 12 months for people at high risk for glaucoma. You’re considered at high risk if you answer “yes” to one or more of these questions:

  • Do you have diabetes or a family history of glaucoma?
  • Are you African American and 50 or older?
  • Are you Hispanic American and 65 or older?

January is National Glaucoma Awareness Month—the perfect time to check on your eye health.

Watch our glaucoma awareness video to learn more.

Filed under: Medicare coverage, Uncategorized

R Fisher

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January 1, 2017

About 12,000 women in the United States are diagnosed with cervical cancer every year. All women are at risk, but it occurs most often in women over 30. Fortunately, it’s one of the easiest female cancers to prevent. There are 2 screening tests to find cervical cancer early.

Medicare covers the HPV test and Pap tests every 24 months for all women and every 12 months if you’re at high risk. The CDC recommends getting regular pap tests starting at 21.

January is Cervical Health Awareness Month. Watch our Cervical Health Awareness Month video and visit our cervical & vaginal cancer screenings page to learn more about these tests.

 

Filed under: Medicare coverage, Uncategorized

R Fisher

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National Senior Services is not connected with or endorsed by the US government or the federal Medicare program; Medicare has neither reviewed nor endorsed this information. We are a licensed and approved Medicare Service Provider.

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RT : The links between heart disease and stress are clear so have a good laugh today.

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