Preparing to Meet with an Insurance Agent

If you’re about to turn 65, or if it’s time for the Annual Enrollment Period, you’ve probably been inundated with marketing materials from insurance agents. You may wonder why all these people want to talk to you, or why you need them in the first place. Simply put, Medicare is confusing. There are thousands of options to choose from depending on your location, and enlisting the help of a licensed agent can help ensure that you have the best plan to fit your needs.

Why Licensed Agents who sell Medicare Plans Aren’t Door-to-Door Salespeople

Licensed insurance agents who sell Medicare cannot legally show up at your door or contact you unexpectedly. Medicare guidelines state that you, the client, has to know everything that’s going to happen ahead of time. Agents must schedule appointments with you in advance and clarify exactly what they will talk about with you in the meeting.

Licensed agents will not ask you for money. Rather, the insurance carrier you enroll with pays the agent a commission. You get the same insurance benefits at the same price whether you use a broker or not. However, using a broker comes with a host of benefits you won’t get if you enroll on your own.

Contact Us | Medicare Plan Finder
Contact Us | Medicare Plan Finder

Benefits of Using a Broker for Medicare

Even if you already know what plan you want to sign up for, or even if you’ve already enrolled in a plan, it’s wise to talk to an insurance agent who knows what else may be out there for you. The world of Medicare is saturated with plans and policies, and you might be missing out! Your agent might be able to find a plan that covers a service you didn’t even consider such as fitness classes.

Not only will you see more plan options, you get a qualified professional who is an expert in Medicare. Your agent will only talk to you about plans that will work for you, so you’ll only get the coverage you need at a price you can afford. The broker will show up at your house already having vast knowledge about the plans that you can enroll in, saving you lots of time.

Should I use a Broker to get Health Insurance?

Agents legally need to be qualified to sell insurance before they can take action, which means they will have gone through months of training to know all there is to know about Medicare. Their job is to talk about several different options for you based on what kind of coverage you need, then help you select the best one.

All senior citizens must enroll in Medicare within their Initial Enrollment Period (IEP), which is the seven-month period surrounding their 65th birthday. If you miss that window, you may be charged a 10 percent penalty fee when you eventually do enroll. If you don’t enroll at all, you could spend hundreds of thousands of dollars more than you should on healthcare.

After your Initial Enrollment Period, you can make changes during the Annual Enrollment Period (AEP), which is every year from October 15 through December 7. If you haven’t met with a broker yet, this is a good time to do so. If you already have a broker, this is a good time to meet and discuss whether or not there is a better plan for you for the following year.

What Can I Expect to Happen During the First Meeting?

The agent will come prepared with materials that are loaded with information on different carriers and their policies. He or she will go over that information with you, and let you make a decision. He or she may also bring an enrollment form for your convenience in case you decide on a plan that day, but you are under no obligation to enroll.

The agent is not allowed to discuss plan options that you didn’t previously agree to discuss in the meeting. For instance, if you agree to speak about Medicare Advantage plans only, the agent will not try to sell you a vision plan. You will need to sign a “scope of appointment” form prior to the meeting that outlines what the agent can speak to you about.

How can I Prepare for the Meeting?

First, compile a list of your healthcare costs and needs, like what prescriptions you take and which doctors you like to see. Do you need coverage for specific medical conditions such as heart disease or have a family history of stroke or heart attack? Write that down. Also, think about your monthly budget. How much can you afford to spend on premiums? How much do your medical bills typically cost? Your meeting will run as quickly and smoothly as possible if you go in prepared.

Why You  Should Choose Medicare Plan Finder

Everything we do at Medicare Plan Finder is geared toward our mission to serve the underserved. We want you to understand your coverage, so we provide you with valuable information on our social media pages and on this website. We put our agents through extensive training so they can better serve you. We work with a wide variety of Medicare insurance carriers so our agents can give you multiple quotes to choose from. We take the guesswork out of finding Medicare coverage so you can receive the best possible care.

Contact Us Today

It can be nervewracking to have someone come into your home and talk to you about your healthcare, but it really is the right decision. A licensed agent will take you through the enrollment process step by step and help make sure you have the right plan for you. Call 844-431-1832 or fill out this form to set up a no-obligation appointment today.

Contact Us | Medicare Plan Finder
Contact Us | Medicare Plan Finder

This post was originally published on April 20, 2017, by Anastasia Iliou and was updated by Troy Frink on May 09, 2019, by Troy Frink.

Medicare Late Enrollment Penalty Exceptions

There are more than 10,000 Baby Boomers aging into Medicare each and every day. If you’re nearing your 65th birthday, you may have started researching what the world of Medicare is all about. There’s a lot of information out there, and it’s easy to get overwhelmed with all of the different parts and plans.

Have you heard of the Medicare late enrollment penalty? It’s crucial you enroll during your Initial Enrollment Period (IEP) to avoid this fee down the road. Fortunately, there are Medicare late enrollment penalty exceptions.

Part A Late Enrollment Penalty

If you have worked and paid Medicare taxes for 10 years, you will be automatically enrolled in Part A and will not have to pay a monthly premium.

If you aren’t eligible for premium-free Part A, and you don’t enroll during your IEP, your monthly premium will have an added penalty of 10 percent. This applies regardless of how long your delay was.

You will continue to pay the additional 10 percent for twice the amount of time you postponed enrollment. For example, if you deferred enrollment for two years, you will be required to pay the penalty for four years.

Part A Late Enrollment Penalty Exceptions

The only exceptions to the Part A late-enrollment penalty are if you have qualifying coverage through your employer or your spouse’s employer or if you qualify for a Special Enrollment Period. If you received a Part A penalty when you believe you had a qualified exception, read how to file an appeal here.

Medicare Part B Late Enrollment Penalty

Like Part A, many beneficiaries are automatically enrolled in Part B. If you are not automatically enrolled and do not enroll during your IEP, you will have a late enrollment penalty that is added to your monthly Part B premium.

The penalty can reach 10 percent or each year you were eligible for Medicare but did not enroll. For example, if you were eligible for three years before you finally enrolled, you will pay your monthly Part B premium plus an additional 30 percent of that amount.

This penalty is not temporary like Part A. You will continue to pay this additional fee every month until you are no longer enrolled in Medicare.

Medicare Part B Late Enrollment Penalty Exceptions

If you have qualifying coverage through your employer or spouse’s employer, you can postpone Part B enrollment without being penalized. In these scenarios, the employer plan is primary and Medicare is secondary. Many people will delay Part B while they are working so they don’t have to pay a monthly premium.

Be aware that smaller employers (less than 20 employees) act secondary and Medicare is primary. This means for those scenarios, you still need to enroll in Part B or be subject to a penalty down the road.

The last exception to the late enrollment penalty is if you are eligible for a Medicare Savings Program (MSP). MSPs are regulated by each individual state, and help low-income beneficiaries pay for some or all of their Medicare premiums, deductible, copayments, and coinsurance.

Medicare Part A and Medicare Part B Penalty Waivers

If you feel that you were improperly charged a late enrollment penalty fee for either Medicare Part A or Part B, you can file a waiver.

Begin by gathering proof of your Part B enrollment in the form of a copy of your application and your Medicare card.

Then, call the Social Security Administration (SSA) at 800-772-1213 (you can also visit the SSA website or visit your local SSA office).

Then, ask to use the “time-limited equitable relief” to eliminate your Part B penalty fee. You may or may not be granted this waiver based on your enrollment status.

How to File a Medicare Part B Late Enrollment Penalty Appeal

If you disagree with a Medicare decision regarding your Part B coverage, you can appeal. If you decide to appeal Medicare’s decision, first ask your healthcare provider or insurance carrier for any information that can help your case.

Look at your Medicare Summary Notice (MSN). It will list all of your billed services and supplies for a 90-day period. Your MSN will show you what Medicare paid and what you still owe.

Circle any items you disagree with on your MSN. Then write down why you disagree with the items.

Fill out Medicare Redetermination Request Form and mail it to the address listed on your MSN. Be sure to include your MSN with your Medicare Redetermination Request Form.

Medicare Part D Late Enrollment Penalty

If you sign up for Original Medicare (Part A and B) but do not purchase an additional prescription drug plan for 63 days, you will be charged a late enrollment fee. You can enroll in a Part D plan or Medicare Advantage plan with drug coverage to avoid the fee.

The Part D penalty is calculated by multiplying one percent of the national base premium by the number of uncovered months. The base premium for 2019 is $33.19. That means that if you are uncovered for 20 months your additional fee will be 20 percent of $33.19, or $6.64 per month. Your full monthly premium will then cost you $39.83 for prescription drug coverage.

Rx Discount Card | Medicare Plan Finder

Medicare Part D Late Enrollment Exceptions

If you qualify for the Medicare Extra Help program, you will not have a late enrollment penalty. Extra Help helps pay the cost of prescription coverage for low-income beneficiaries. This means you cannot be penalized even if you haven’t had coverage for more than than 63 days.

If you have creditable prescription drug coverage through an employer or union, you are not subject to a late fee unless you lose this coverage and continue to postpone enrollment.

However, keep in mind that you are responsible for providing proof of your creditable coverage. You should receive a letter from your employer or union after you quit your job or lose coverage.

Get Prescription Drug Coverage

If you’re looking to avoid late enrollment penalties, Medicare Plan Finder can help. Our licensed agents can show you which Medicare Advantage and Part D plans are available in your area.

Plus, they can answer any questions regarding pricing and which drugs are covered under which plan. Our agents work with all of the major carriers in your state so they can show you all of the available plans in your area with an unbiased approach. To schedule a no-cost, obligation-free appointment, fill out this form or give us a call at 844-431-1832.

Contact Us | Medicare Plan Finder

This blog was originally published on July 06, 2017, by Anastasia Iliou and was updated on July 23, 2019, by Troy Frink.

Understanding Medicare and Employer Coverage/COBRA

In 2019, there are more older people continuing their career after age 65 than ever before. In 1985, senior Americans made up 11% of the workforce, but today that number is as high as 20%. If you are nearing 65 and wondering how your job impacts your Medicare options, look no further! Here is everything you need to know about Medicare and employer coverage.

Active Employer Coverage

If you are 65 (or soon-to-be 65)  and have employer health coverage, you’ll have the option to keep your current coverage or enroll in a Medicare plan. It’s important that you understand the different coverage options available to you so you can compare and find the most cost-effective alternative.

Can I keep my employer health insurance with Medicare?

Yes. If you are actively working, you have the right to remain on your employer’s coverage plan even if you are eligible for Medicare. If you choose to keep your employer plan, your Medicare benefits can coordinate with your current coverage.

If your company has more than twenty employees, Medicare is secondary. This means that your group plan will pay first, and then Medicare. Part A can coordinate with your employer plan to lower your costs regarding a hospital stay. Most working seniors should enroll in Part A regardless of other coverage because it will be premium-free if you have worked for at least 10 years. Part B is not premium-free, and you will pay a monthly premium based on your income. You can choose to delay enrolling in Part B if you prefer. You can avoid Part B (or Part D, prescription drug plan) late penalties by showing a creditable coverage letter (proof of last coverage) when you enroll at a later date.

If your company has less than twenty employees, Medicare is primary. This means that Medicare will pay first, then your group plan. When Medicare is primary, you need to enroll in Medicare Part A and B. You can delay enrolling in a Part D plan (prescription drug plan) and avoid a late penalty fee if your group plan has prescription coverage. However, it is important to compare costs because it can be cheaper to leave your group plan and enroll in a Medicare Supplement plan as your secondary coverage instead. These plans are a great way to help pay for your copayments, coinsurance, and deductibles.

Can an employer pay for Medicare supplemental insurance?

Your employer generally does not pay for any of your Medicare premiums. However, your employer can set funds aside for you to use towards health coverage. This is done through a form called “Section 105 Medical Reimbursement Plan” and is a tax-free reimbursement of your medical and other health expenses.

Some employers may prefer to pay for a Medicare Supplement plan for you because carrying an employee over the age of 65 on a group health plan can be expensive. Plus, you may be able to get more comprehensive coverage through a Medigap plan, like the popular Plan G, instead of your employer or union plan.

Do I need Medicare if I have employer insurance?

The short answer is “maybe.” If you are about to turn 65 and have health coverage through your employer (or your spouse’s employer), you should talk with your benefits administrator and find out if you’re required to enroll. If your employer doesn’t require you to sign up for Medicare, you don’t have to. Instead, you can sign up when you retire or otherwise lose your employer’s coverage during a temporary Special Enrollment Period (SEP). As long as you enroll during your temporary SEP, you can avoid any late-enrollment penalties. These penalties typically result in a higher monthly premium as a result of postponing enrollment.

Can I work full time while on Medicare?

Yes, you can work full time while on Medicare. As we mentioned above, your Medicare and employer coverage will differ depending on your company size. If you have specific questions for your unique situation, click here.

What benefits are not included in employer coverage?

Your employer coverage can differ depending on your group plan. Some employer group plans may cover dental, vision, and hearing coverage, but these benefits can also be found in a Medicare Advantage plan. MA plans also offer benefits like group fitness classes, meal delivery, and transportation. If you’re interested in learning more about an MA plan or looking to enroll, click here.

Employer Union Coverage

Employer union coverage is a bit different than employer coverage. Your employer or union should let you know if your coverage will continue once you turn 65. You should contact your group coverage provider to get more detailed information.

Medicare COBRA Qualifying Events

COBRA is a continuation of coverage for someone who is no longer part of a company or union. Under COBRA, an employee has the option to continue group coverage for a limited amount of time, however, it is generally at your own expense.

If you enroll in Medicare BEFORE you become eligible for COBRA, you can keep your COBRA coverage. If you are not yet eligible for Medicare when you get COBRA, your COBRA coverage will end on the day that you become eligible for Medicare.

*Additionally, gaining or losing a job with health coverage is considered a qualifying event for you to have a Special Enrollment Period (SEP), but you do not have a SEP once your COBRA coverage ends.

Can you have both Medicare and COBRA?

It is possible to have both Medicare and COBRA if you already had Medicare when you became eligible for COBRA. In that case, Medicare will pay first, but you can use COBRA for additional costs.

If you are under 65 and on COBRA, you must enroll in parts A and B as soon as you become eligible. Failure to do so can result in a late enrollment penalty fee.

Find Your Best Coverage Option

If you are nearing 65 and still have health coverage through an employer, we want to help! Medicare and employer coverage can be confusing, and we understand that all situations are unique. Our licensed agents want to make sure you’re enrolled in the best coverage for your needs and budget. Plus, they are contracted with all the major carriers so they can help you enroll with an unbiased approach. They can help answer any questions about employer coverage, Medicare Advantage plans, Medigap, prescription drug coverage, and so much more! Click here to get in contact with a licensed agent or give us a call at 844-431-1832.

This blog was originally published on 11/30/17, but was updated on 4/2/19 and again on 7/11/19.

Take Advantage of Medicare Wellness Exams and Preventative Benefits

Medicare offers many benefits at zero cost to recipients, but many of the 59 million Americans enrolled are either not aware of all the Medicare wellness benefits or are simply not taking full advantage of all of these offered services.

For example, in 2014 only around 14% of Medicare recipients received the free Medicare wellness exam covered under Medicare Part B.  This exam, known as the Annual Wellness Visit, or sometimes known as the acronym AWV, is covered at zero cost to recipients.

What is Included in Medicare Wellness Exams?

Once you’ve had Medicare Part B for at least 12 months, you are eligible for a zero cost yearly* Medicare wellness exam. The purpose of this wellness visit is to work with your doctor to identify any risk factors to watch, as well as to develop a plan for staying healthy.

*Keep in mind that the AWV is available every twelve months. For example, if your first AWV is June 2, you cannot recieve your next one until June 2 of the following year. If you make your appointment for June 1, you may not be covered.

During the wellness visit, your doctor, nurse practitioner, or another health care professional will review things like your health history, take measurements such as weight and body mass index (BMI), and will help develop a preventative care plan tailored for you.

Some items that may be reviewed during your Medicare Wellness Visit include:

  • A Health Risk Assessment (HRA) questionnaire
  • Review of personal medical history and family medical history
  • Measurements including height, weight, BMI, and blood pressure
  • Assessment for any cognitive impairment and mood disorders
  • Review of any difficulty you may be having in performing day-to-day tasks

Your health care provider may also help you establish a plan for potential risk areas including fall prevention, nutrition, weight loss, and tobacco cessation.

What is not Included in your Medicare Annual Wellness Visit (AWV)?

It is important to know that the Medicare Annual Wellness Visit covers a specific set of wellness services and is different than an annual physical, which is not covered by Medicare. It is also important to note that any additional services performed during your Medicare exam may result in an additional copay or deductible cost.

For example, Mary is 68 years old and visits her doctor a few days after her birthday, as she does every year for her free Medicare wellness exam. During the visit, Mary mentions that her right foot has been bothering her, and after further examination, her doctor orders a blood test to check for gout.

In this scenario, Mary’s wellness visit is still free, but she may pay a copay for the additional foot examination as well as the blood test.

Medicare Wellness Exam vs. Annual Physical

The annual wellness visit is not the same as the yearly physical you may be familiar with. For a typical physical, your healthcare provider will perform a hands-on, head to toes exam including lung, abdominal, and neurological exams. Medicare exams are different.

The Medicare annual wellness visit includes similar assessments but does not include any exams that require the healthcare provider to physically examine you. During your wellness visit, your provider may schedule additional preventative screenings, or may further examine any issues you are having.  

What to Bring to Your Medicare Annual Wellness Visit

One of the main purposes of the annual wellness exam is to identify any potential health risks and develop a plan to manage them. So, you will want to share your family and personal health history with your provider in as much detail as possible.

Some things to bring include:

  • Medical and immunization/vaccination records
  • Detailed personal and family health history
  • Detailed list of medications and supplements including dosage and frequency
  • Full list of health care providers you are currently seeing

Other Medicare Wellness Benefits

In addition to the annual wellness exam, there are a number of additional services, screenings, and vaccinations covered at no cost including:

  • Alcohol screening
  • Bone mass measurements
  • Cardio screening
  • Colorectal screening
  • Diabetes screening
  • Hepatitis screening
  • HIV screening
  • Lung, prostate, and cervical cancer screenings

Medicare Vaccine Coverage and the Medicare Flu Shot

Medicare Part B also covers some other Medicare wellness benefits like preventative vaccines, including yearly flu shots. Ask your doctor about getting your flu shot during your Medicare exam.

However, Medicare does not provide maintenance coverage for other vaccines including Shingles, Tetanus (Tdap), and Meningococcal. These vaccines and additional immunizations are typically covered under Part D prescription drug plans.

To ensure you are covered for these vaccines and other prescription medication, you can add a Part D plan to Medicare Parts A and B, or choose a Medicare Advantage plan that includes Part D coverage.

Other Ways to Make the Most of Your Medicare Plan

Find Doctors in Your Plan Network

Some carriers have doctor and hospital search engines so you can see which doctors are covered under your plan. ZocDoc is a great non-affiliated doctor search website as well. If you continue to use a doctor that is outside of your plan, you’re wasting potential savings that you’ll receive if you visit a doctor who is within your plan’s network.

Use Generic Drugs

The same goes for pharmacies and drugs. Your coverage is likely much higher for generic brand prescription drugs, so ask your doctor for a generic version when he gives you a prescription. Your coverage includes mail-order prescriptions as well. Mail-order is often cheaper because there are fewer labor costs! Plus, you can buy bigger supplies.

Know Your Additional Benefits

Some Medicare plans include discounts and freebies like gym memberships, massages, nutrition classes, support groups, and even LASIK surgery. Some even provide “rewards” in the form of discounts if you stay healthy.

Get More Benefits with Medicare Advantage

There are many Medicare preventative services that Original Medicare covers, but do you need more?

A Medicare Advantage plan is a private Medicare plan that includes your Part A and Part B benefits and can extend your coverage to include more things like:

A Medicare Advantage Plan and Part D prescription drug coverage can help cover you for these additional costs and help you live the healthiest life possible. Our agents can help you understand all of your plan options and enroll you in a plan that fits your specific needs and budget. If you interested in arranging a no-cost, no-obligation appointment, fill out this form or call at us 844-431-1832.

Understanding Medicare Enrollment Periods

Did you know that most people can only enroll in Medicare during a few months out of the year? Read through to figure out what medicare enrollment periods you are eligible to enroll during. If you still need help, one of your licensed agents can answer your questions!

IEP (Initial Enrollment Period)

Most seniors and Medicare eligibles will begin with an IEP. Your IEP begins three months before your 65 birthday and ends three months after, for a total of a seven-month timeframe. Some seniors and Medicare eligibles will be automatically enrolled in Part A and Part B and will receive a Medicare card three months before their 65 birthday. Others will need to elect to enroll and will start to receive coverage within a few months.

If you have an IEP but choose not to enroll, you may be faced with a higher premium because you enrolled late. You will be able to complete your late enrollment during the General Enrollment Period.

(GEP) General Enrollment Period

The GEP is exclusively for those who are enrolling in Medicare for the first time and missed their IEP. It runs from January 1 through May 31 of each year for Original Medicare and April 1 through June 30 for prescription drug plans and Medicare Advantage. If you enroll during the GEP, your coverage will begin in July.

General Enrollment Period | MedicarePlanFinder

(AEP) Annual Enrollment Period

AEP starts on October 15 of each year and runs through December 7. This is when every Medicare beneficiary can change plans or enroll in new plans. It’s a good chance for you to look at your current coverage, compare it to your healthcare and financial needs, and make adjustments if necessary. If you wait too long, you’ll have to wait a whole year before you can make changes again.

Annual Enrollment Period | MedicarePlanFinder

(SEP) Special Enrollment Period

If you qualify for Medicaid, Social Security, or another financial assistance program, you may be eligible for a Special Enrollment Period. If you have an SEP, you do not have to wait until AEP to make changes to your Medicare. Some people will have a continuous SEP, meaning they can make changes at any time. Those who have special circumstances such as moving, losing a job, or moving into a facility will have a 60-day SEP.

Special Enrollment Period | MedicarePlanFinder

Get Help Understanding Your Enrollment Period

Still not sure when you can enroll? That’s ok, it can be confusing. Call us at Medicare Plan Finder and we can help you figure out whether or not you can get into a better plan. Just click here to request a call or call us at 1-844-431-1832.

Health Benefits of Pets for Seniors

Health Benefits of Pets for Seniors

Most people can’t help but smile when a fluffy dog comes running over. Did you know that pets (especially dogs and cats) have been proven to provide both mental and physical health benefits? Your health and well-being may just be the best excuse yet for you to adopt a furry friend.

Health Benefits of Pets:

They boost your immune system.

Pets who live outdoors or are frequently outside can easily bring bacteria into your home. In most cases, that bacteria won’t be enough to get you sick, but it will expose your body to the specific bacteria and prepare your immune system.

Pets reduce stress

There’s a reason why so many people have registered Emotional Support Animals. They can help prevent breakdowns and emotional outbursts in stressful situations just by their adorable presence. Pets for seniors also notoriously provide unconditional love, giving their owners confidence and helping to reduce feelings of loneliness and self-doubt. Whether they are registered as Emotional Support Animals or not, pets are great for those with high levels of stress, anxiety, and depression as well as those who just need a friend.

They get you outside and moving.

All animals (but especially dogs) will force you to get outside and moving. Even just taking a walk around the block with your dog is enough to lift your spirit. Plus, the extra exercise and vitamin D is great for your body.

Companion Dogs

By definition, a companion dog is not actually a working dog. You can register a companion dog as an emotional support animal, but it would still technically not be a a service animal. Companion dogs can become certified companions by passing a series of basic obedience tests. All that a companion certification does for you is that when you list your dog’s name on a document, you can follow it with “CD,” for “companion dog.” This tells whoever is reading your paperwork that your dog is certifiably obedient.

While companion dog certification is great for those who are in great health but are looking for a companion, seniors with disabilities may want to look into their service dog eligibility.

Companion Cats for Seniors

Technically, any cat can be a companion cat in the same way that any dog can be a companion dog. However, you can not train and register your companion cat in the same way that you can a dog. If you truly need your cat for emotional support, you can register it as an emotional support animal instead.

There is no question that cats can be just as beneficial as dogs for emotional support. More specifically, Persian, Ragdoll, Abyssinian, Burmese, Maine Coon, and Exotic Shorthair cats have a tendency to be very loving and social cats (but other breeds can be emotional support animals as well). To officially certify your cat, you’ll need to see a licensed specialist. Most online emotional service animal registrations are scams, so please see a real specialist.

Assistance Dogs of America

ADAI, or Assistance Dogs of America, Inc. helps disabled people of all ages find a trained service dog to assist with their daily needs. Even if you yourself can’t have a service animal for any reason, ADAI places therapy dogs in nursing homes, hospice facilities, and even jails.

Assistance dogs can be trained as guide dogs, hearing aid dogs, service dogs, and for help controlling conditions like seizures, PTSD, and severe stress. They can provide tasks even as detailed as opening doors/refrigerators/washing machines, flipping switches, dressing assistance, carrying items, picking up dropped items, helping you stand up from a fall, helping you climb stairs, etc.

If you do not adopt your service dog from Assistance Dogs of America or another certified service dog adoption service, you will need to register your service dog yourself. Dogs can be registered for seizure response, medication reminders, psychiatric disabilities, and seeing eye services. Registering your service dog means that you will be legally allowed to bring your dog anywhere (including rental housing). We recommend that you adopt your service dog from a certified provider (like Assistance Dogs of America) for the most legitimate certification that should not give you any sort of problem at any public facility.

America’s VetDogs

Based out of Smithtown, NY, America’s VetDogs trains service dogs specifically for veterans who suffer from physical injuries, hearing and vision loss, seizures, and PTSD. America’s VetDogs requires that you have served in the U.S. Armed Forces or are a first responder who has become disabled. You must participate in a two-week training program to learn how to care for and work with your service dog, and you must be able to afford at least $100 per month (for food, vet bills, etc.) and be able to care for your dog. Your transportation to the facility is free and there are no adoption fees!

Seniors for Seniors pet Adoption

Seniors for Seniors pet adoption programs are becoming more and more common. There just may be one in a shelter near you! Seniors for Seniors means that a shelter can help senior humans find a senior pet to care for! Puppies are a lot more work and have a lot more energy than senior dogs and cats, and you may find comfort in helping another living thing live his best senior life.

Whether you want to adopt an older pet or not, hundreds of shelters around the world have programs for seniors that include waived adoption fees! One foundation, Pets For The Elderly, can even pay adoption fees for you – just check out their list of participating shelters and see if there’s one near you. However, remember that even if your adoption fee is waived, you’ll still have other pet costs to consider (food, toys, vet bills, etc.).

Pet Therapy for the Elderly

Pet Therapy can mean a lot of different things. Most people first think of emotional therapy and emotional support animals, but pet therapy can provide physical benefits as well! Pet therapy for the elderly is designed to allow seniors to feel less lonely, use less medication, recover more quickly, have lower blood pressure and cholesterol, handle stress better, and even visit the doctor less often.

Seniors have been proven to have better communication, improved memory, and even improved motor skills thanks to pet therapy. Some of this is due to occasional visits from therapy dogs, but a lot of it is due to dog or cat ownership. Seniors who have dogs or cats at home generally get more exercise from walking and playing, work their muscles more from petting, walking, bathing, and brushing, and reduce their stress and depression from the love that pets for seniors provide! Plus, the mental stimulation from the love of a pet can improve memory and social skills!

If you can’t afford a pet or are unable to care for an animal for any reason, check out your local senior center or ask if your health plan knows of a pet therapy center in your area. You can also try volunteering at a local animal shelter!

Dogs in Nursing Homes

Some shelters and pet therapy centers work with nursing homes and other care facilities to bring in dogs to play with seniors! The animals could use the love and affection as much as the seniors can, so everyone wins! Sometimes these will be adoptable shelter dogs, and other times nursing homes may work with actual pet therapy centers that have trained companion dogs for you to spend time with.

Affordable Pet Insurance

If you haven’t adopted a pet yet because you’re worried about vet bills, did you know you can buy health insurance for your pet? While there isn’t really a Medicare for dogs, there are good coverage options out there for animals. You can choose an affordable pet insurance plan based on how much coverage you want and how much you want to pay each month. In most cases, you can use any licensed vet and then get reimbursed by your plan later (unlike health insurance, where you have a distinct doctor network).

Pet insurance generally covers expenses for illnesses and accidents that your furry friends get into. It can really come in handy if your curious kitty eats something she shouldn’t have or if your dog develops a hereditary tumor.

Service Dog Financial Assistance

If you have a qualifying disability and have a service dog helping you around, you may qualify for service dog financial assistance! This will help tremendously with your vet bills, pet food costs, and training expenses. Some veterinarians (but not all) will even provide discounted services for service animals, so make sure your vet is aware if your animal is a registered service animal. Additionally, landlords are required to waive any pet fees for you and your service animal as long as you meet their conditions.

A few examples of organizations that provide other service dog financial assistance are:

  • The Assistance Dog Special Allowance (ADSA) Program (monthly payments of $50)
  • PETCO Foundation (mainly donation-based)
  • The Seeing Eye (low-cost seeing eye dog program)
  • Planet Dog Foundation (provides service dog grants)
  • Assistance Dog United Campaign (grants, donations, and vouchers)

Medicare for Dogs

We wish we could provide Medicare for your dog, but that doesn’t exist (yet). The least we can do is help you find a plan that will help you afford to take care of your pets! Click here to request a call and find out if you can save more money on healthcare.

*This post was originally published on 3/29/18, updated on 9/18/18.

Original Medicare vs Medicare Advantage

The Annual Enrollment Period is quickly approaching and starting October 15, you are able to switch your Medicare coverage. Which do you favor in the battle of Original Medicare vs Medicare Advantage? If you’re not quite sure, we’re here to help! By understanding the basic principles of each option you will be better prepared to make that decision.

What is Original Medicare?

Created in 1965, Original Medicare is a federally-regulated healthcare program designed largely for senior citizens. Original Medicare includes Part A (hospital coverage) and Part B (medical coverage). Part A covers inpatient and outpatient care at hospitals, nursing homes, hospice care, and home health services. Part B covers doctor visits and ambulance rides. Most beneficiaries receive Part A for free. Most people pay the same rate for Part B coverage, but a small number of beneficiaries may have income-adjusted premiums.

Original Medicare allows beneficiaries to go to any provider that accepts Medicare, which is over 900,000 physicians nationwide! This means that no matter which Medicare provider you visit, the costs will stay the same. This is ideal for beneficiaries who travel often or want doctors in different locations.

If you are enrolled in Original Medicare, you are able to enroll in a Medigap plan. Medigap plans provide financial benefits for an extra monthly premium. This can include help paying your copayments, coinsurance, and deductibles. Additionally, some of these Medigap plans cover prescriptions drugs. However, if your plan does cover prescription drugs, you cannot purchase a separate drug plan.

What is Medicare Advantage?

Medicare Advantage plans were not offered until 2003. Since then, enrollment has tripled to 19 million beneficiaries according to the Henry J Kaiser Family Foundation. Medicare Advantage plans are available through private insurance companies and must cover the same benefits as Original Medicare. However, many MA plans offer extra benefits like vision and dental coverage and even SilverSneakers®. These plans have a set network of providers you must choose from, but don’t worry! There are many different networks and plans available.

Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs) are the most popular plans among Medicare Advantage.

HMOs:

An HMO is a closed provider network. Your primary care provider must fall into this network. Additionally, you must use this network in the event of an emergency. HMOs may require you to get a referral for more severe injuries or illnesses.

PPOs:

PPOs allow you to see any doctor, but staying in your network you will save you money. Additionally, they don’t require referrals and like HMOs, they often cover Part D supplements.

Medicare Advantage plans have one monthly premium. There is no hassle with sending payments for multiple plans. Some MA plans may offer a lower deductible in exchange for a higher monthly premium. This is a great option for healthy seniors. With MA plans, you only pay for the services you use rather than paying a higher upfront cost.

Differences between Original Medicare and Medicare Advantage

It is easy to confuse Original Medicare and Medicare Advantage. By understanding a few key differences you will be able to better evaluate which option is best for you.

Out of Pocket Costs

Original Medicare has no set limit for how much you will spend out-of-pocket. This means that if you need more medical attention for any given reason, you may exceed what you budgeted. However, Medicare Advantage plans have a maximum out-of-pocket limit. Once you reach this limit on out-of-pocket costs for covered services, your costs will be covered for the remaining calendar year. It is important to note that some Medicare Advantage offers lower limits- that means more money saved for you!

Health Questions

Original Medicare plans require you to answer numerous health questions. However, Medicare Advantage plans do not require any health questions. The only question they can ask you is if you have end-stage renal disease. Medicare Advantage plans will not cover this disease because the Center for Medicare and Medicaid Services (CMS) defines end-stage renal disease as “permanent kidney failure that requires a regular course of dialysis or a kidney transplant.”

Supplemental Insurance

You can not purchase a Medigap plan and a Medicare Advantage plan. You must choose one or the other. Medigap coverage helps fill in the gaps that Original Medicare doesn’t fill. However, Medicare Advantage plans allow you to get a more customized plan that gives you the benefits you need for your budget.

Extra Services

With Original Medicare, you get what you get. With Medicare Advantage plans, you get what you want. Original Medicare does not cover extra services, however, MA plans may allow you to get additional vision and dental coverage and group fitness classes.

Providers

As previously mentioned, there are over 900,000 physicians nationwide that accept Medicare coverage.  Medicare Advantage plans require you to stay within the plan’s network. If you go out of your network there may be a significant price increase. If you traveling and are rarely in the same area, this may not be the best option for you.

Part D Coverage

Original Medicare is only Part A and B. If you want prescription drug coverage, you must purchase Plan D through a private provider or a Medicare Advantage plan.

Pros of Medicare Advantage

Throughout this article, there may have been a few pros of Medicare Advantage plans that caught your attention. In case you missed anything, we’ve compiled a list of the top reasons you should consider purchasing a Medicare Advantage plan.

Potential Lower Costs

Although you pay a premium with both Original Medicare and Medicare Advantage, MA plans may offer a lower deductible in exchange for a higher monthly premium. Also, MA plans have the maximum-out-of-pocket limit, saving you even more in the long run!

Prescription Drugs

Drug coverage is often included in Medicare Advantage plans. This allows you to bundle your coverage – saving you money and creating more convenience for you!

Additional Coverage

Medicare Advantage plans offer extra coverage that Original Medicare cannot. If you’re looking for vision, hearing, or dental coverage – an MA plan may be right for you!

Maximum Flexibility

Medicare Advantage plans include the benefits you want and need. The plans are flexible and ensure you get the coverage and the cost that fits your budget.  

Get covered today!

Does a Medicare Advantage plan look attractive to you? Did we grab your attention? AEP is coming soon! From October 15 to December 7 you are able to make changes to your Medicare coverage. If you’re interested in purchasing a Medicare Advantage plan or hearing more about coverage options available to you, complete this form or call us at 844-431-1832 to arrange a no-obligation appointment with an agent.

NEW! Flexible Medicare Supplement Health Insurance

Early this year, CMS (Centers for Medicare and Medicaid Services) released new changes regarding Medicare and Medicaid benefits. One of the biggest and newest changes is increased flexibility in what plans are allowed to offer as “supplemental” Medicare benefits.

The Introduction of “Daily Maintenance”

Traditionally, health plans have not been allowed to include supplemental benefits that were considered “daily maintenance.” In other words, items and services that are intended for daily use were not covered. Now, however, plans are allowed to cover “daily maintenance” items that diminish the impact of injuries, physical impairments, or health conditions or help avoid emergency room utilization.

What does this mean for you? Essentially, you may now be able to find a plan that covers items such as wheelchair ramps and other home modifications. Anything that can reasonably improve your life can be included in a plan. However, realize that this does not mean that every Medicare plan will cover these items. Rather, it means that plans are now allowed to cover these items.

Transportation and Medicare Advantage

Do you have trouble getting yourself to the doctor? Thanks to modern technology and these new CMS rules, that may not be a problem for you anymore. Medicare Advantage plans are now allowed to include transportation benefits to help you get to your doctors and pharmacies. Additionally, for those who have a hard time leaving the house altogether, plans can now include meal delivery services.

Durable Medical Equipment and Medicare Advantage

Previously, it was hard to get coverage for home modifications and daily equipment. Now, items such as wheelchair ramps and medically necessary air conditioners can be included in Medicare Advantage plans. Plans can also cover more home health care to help with dressing, eating, and telehealth.

Medicare Advantage Opioid Control

Opioid misuse grows every year. CMS is now asking Medicare plans to help control the issue. That means that you will likely not be able to buy more than a seven-day supply of opioids. They are also cracking down on people who try to “cheat the system” by going to multiple pharmacies and doctors to get multiple doses. With new technology and new laws, pharmacists and doctors will be alerted when you people try to buy too many opioids.

Take Advantage of New Medicare Benefits

Now that plans are allowed to cover all these new items, it only makes sense that you take advantage of this year’s AEP, or Annual Enrollment Period. From October 15 through December 7, you’ll be allowed to switch plans or enroll in Medicare Advantage for the first time. Our agents may be able to help you find a plan with added transportation benefits, telehealth, and equipment coverage. To set up your free appointment, click here or call 844-431-1832.

Safe Driving for Seniors

Did you know that approximately one in four drivers is a senior? As we age, our reaction times get slower, we naturally lose some mobility, and our senses weaken, making driving more dangerous. Safe driving for seniors is not much different from safe driving for younger adults. You should always wear your seatbelt, look over your shoulder when merging, and never use your phone or another distracting device while behind the wheel. However, there are senior-specific programs and ideas in place that can help you stay safe on the roads.

CarFit

CarFit is a program for seniors developed by AAA, AARP, and the American Occupational Therapy Association. They’re concerned with how much a senior’s driving ability is related to their car’s physical fit. Seniors are usually less detail-oriented and more forgetful, and they may miss things like being too far from the steering wheel, properly adjusting mirrors, etc. Even just being comfortable sitting in the driver’s seat can make or break a person’s driving ability. CarFit representatives take 20 minutes to check out your car and the way you drive and provide recommendations for adjustments and adaptations.

If a CarFit representative thinks that your car is not a perfect fit for you, that does not necessarily mean you need a new car. You can invest in items like a seatbelt extender, sun visor extenders, steering wheel covers for comfort, pedal extenders, larger mirrors, support cushions, etc. Your CarFit representative can help you find the items you need.

AAA Safety Recommendations

The AAA Foundation for Traffic Safety recommends that senior drivers have special features installed in their cars. Some include power-operated seats, larger knobs and buttons, tilt steering that keeps you farther from the airbag, adjustable pedals, and head restraints that provide cushion if you are hit from behind. They also recommend that if you or your senior friend is in the market for a new vehicle, you should choose one with keyless entry and four doors for easier and safer transportation.

Senior Insurance Discounts

Seniors can usually find car insurance deals based on mileage. For example, if you’re retired, you probably don’t drive as often as you used to. By reporting your decrease in daily mileage, you can save on auto insurance. You can also take defensive driving courses or specific senior driving courses to help lower your rates. If you’re a senior in Tennessee, our friends at InsureTN can help you find great coverage at a great rate. Just give them a call at 615-964-5250.

Stay safe on the road!

What is a Medicare Advantage Special Needs Plan?

A Medicare Advantage Special Needs Plan, or SNP, is a Medicare Advantage plan that is designed to provide coordinated care for Medicare beneficiaries with special needs. These plans have specific qualifications but offer expanded and specialized coverage.

Medicare Advantage SNPs are specific to your needs whether that be diabetes, Alzheimer’s, heart disease, or another chronic illness. Plus, all SNPs must include hospital coverage (Part A), medical coverage (Part B), and prescription drug coverage (Part D). Other benefits include $0 or lower beneficiary cost sharing, extended benefits coverage for inpatient care, and longer coverage periods for specialty medical services.

Like all healthcare plans, SNPs have provider networks. In most cases, you will need to select a primary care physician or health coordinator to be your main source of healthcare.

Medicare Advantage Special Needs Plan Eligibility

To start, you’ll need to be enrolled in Original Medicare. You also must live in an area that supports a SNP plan as they are not available everywhere. Then, to be eligible, you must have a special need. In the case of SNPs, special needs can mean Medicaid-eligible/low-income (D-SNP), institutionalized (I-SNP), or diagnosed with a severe or disabling chronic condition (C-SNP).

What is a dual eligible special needs plan (DSNP)?

The “dual” in Dual Special Needs Plan indicates that you are eligible for both Medicare and Medicaid. If you are over the age of 65 and have low income, there is a good chance that you fall into the D-SNP category! If you are eligible, most of your costs will be covered for you. To learn more about the Medicaid eligibility categories that could place you in a DSNP plan, click here.

What is an Institutional Special Needs Plan (ISNP)?

To be eligible for an I-SNP, you must live in or be moving into a long-term care skilled nursing facility, inpatient psychiatric facility, or another care facility. You must require the facility’s services for at least 90 days to qualify for an I-SNP.

What is a Chronic Condition Special Needs Plan (CSNP)?

CSNPs are generally designed for specific types of illnesses and disabilities. For example, a Chronic Condition Special Needs Plan for someone with chronic heart failure may provide additional coverage for heart treatments, while a CSNP for someone with chronic substance abuse may offer extra coverage for therapy and rehabilitation. Qualifying conditions can include chronic alcohol or other substance abuse, neurological disorders, heart failure, and more.

How to Enroll in a Medicare Advantage Special Needs Plan

If you are eligible for a Medicare Advantage special needs plan, you are eligible for a Special Enrollment Period. This is great because you can enroll any time of year and don’t need to wait for a specific enrollment period! If you are looking to enroll in a Medicare Advantage Special Needs Plan in your area, a licensed agent can guide you through the process. In fact, our agents at Medicare Plan Finder can answer any questions about SNPs and eligibility. There is no cost to you and never an obligation to enroll. To get in contact, fill out this form or call us at 844-431-1832.

This blog was originally published on 6/14/18, but was updated on 3/22/19.

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