You’ve likely heard about the Coronavirus (officially called “2019-Novel Coronavirus” or “COVID-19”) in the news. While there isn’t a vaccine yet and the immediate health risk remains low, Medicare is still here to help.
Make sure you answer these questions correctly:
“Do you want Part B of Medicare?” Answer YES (unless I have told you that you only want Part A)
“Do you have group coverage”? Answer NO (unless I have told you otherwise and you are staying on your employer group health insurance plan)
Once you have completed the online enrollment for Medicare, you will receive an E-mail confirmation that your application is being processed.
Here are step by step instructions to make it easier for you to receive your full Medicare benefits. The following are steps you should take leading up to turning age 65. Some steps are required while others are suggested to make the transition easier.
Four Months Before You Turn 65
Confirm that you are eligible to receive Medicare benefits by calling the Social Security Administration at (800) 772-1213. Some individuals may or may not qualify for certain benefits ...
In this video you will listen to Suzanne explain how different Medicare plans work when you travel outside your state of residence.
Here are the questions that Suzanne answers in this video.
“If I have a Medicare Supplement and I am traveling on vacation (outside of my state), I come down with a cold, and I am worried about it turning into strep throat, I want to get it checked out by a doctor, how would that work with my Medicare supplement?”
In this video, Suzanne explains how a drug tier change can cause a co-pay to increase.
The example in this video shows how one client had a tier change on their formulary that caused their co-pay to increase from $8 to $48.
Suzanne emphasizes the importance of checking your prescription drug formulary during Medicare Annual Enrollment to make sure your drug tiers have not changed.
Hi, Suzanne McClain here. Today we’re going to talk about one of the biggest mistakes people make when choosing a Medicare Part D plan, the prescription drug plan.
One of the mistakes that I have seen is, clients are already on a part D plan, and they’d really don’t like change. So they may or may not check to see if their prescription drugs are still on the formulary or are covered ...
In this short video, Suzanne McClain explains the three most important dates to remember during AEP.
“If you’re in a Medicare plan, your plan will send you a “Plan Annual Notice of Change” (ANOC) each fall. The ANOC includes any changes in coverage, costs, or service area that will be effective in January” according to Medicare.gov this ANOC will be sent to you by October 1st, so you can start evaluating your plan before AEP begins.
Finally! I found a dental plan that I feel great about recommending to my Medicare clients. The one benefit that I am most excited about is that you can enroll today and go the the dentist tomorrow and start ...
Suzanne K. McClain of National United Medicare Advisors, explains what Medicare Part C is and how it works. Part C is also known as the advantage plan.
Part C combines Medicare A, B and D into one plan, when you visit your doctor, go to the hospital or pick up your prescription drugs you will only show your advantage plan card.
Medicare Part Bcovers many outpatient services. Medicare put these covered services into two categories, Medically necessary and preventative. According to Medicare.gov, Medically necessary services or supplies are those needed to treat or diagnose a medical condition.
Preventative services are considered Health care to prevent illness such as the flu, or detect early onset of disease.
Medicare supplement policy versus Medicare Advantage. Medicare part A which is your hospitalization. Medicare Part B is outpatient, so your doctor visit, blood work, CAT scan, x-rays anything outpatient. Your premium for the part B is $134 in 2017, sometimes those numbers are different based on what your taxable income is for the previous year.
Your part A and part B of Medicare it’s kind of like a piece of Swiss cheese, you have a lot of coverage, but there still ...
Thanks to everyone that stopped by my table at the Ameriprise tent at Muirfield. We had a great time meeting new people and reconnecting with others. If you have any questions regarding Medicare please feel free to reach out to me. If you are not signed up for my weekly Q&A video then be sure to add your email so you never miss a video.
Suzanne McClain explains what the IRMAA (Income Related Monthly Adjustment Amount) is and how it affects your Medicare Part B premium. In this video, she shows where to go online to view the sliding scale that calculates the premium. You will also hear her explain how to appeal the IRMAA (Income Related Monthly Adjustment Amount), if you have had a life event that triggered it.