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How Much is Medicare part B

When you are getting close to the age of 65, you might get a little anxious thinking about what steps you need to take to get you Medicare benefits.  One of the questions you probably have is How Much is Medicare part B. .   If you are retired and living on a fixed income this is an important question to ask.  Medicare Part B covers your necessary medical services and supplies.  In 2018 the standard cost for Medicare Part B is $134.00 a month for an individual.

According to federal law, some higher-income beneficiaries will have to pay a higher premium for their part B coverage.  This law also applies to your Medicare prescription drug coverage.  Less than 5% of people will be affected by this law.  Therefore, the majority of people will not have to pay the additional premium.

The document in the link below is for 2018; but the IRMAA limits are set to be the same for 2019.  They will most likely go up substantially in 2020.

CLICK HERE FOR MORE INFORMATION AND INCOME/PAYMENT AMOUNTS

How Much is Medicare part B – Social Security will use your most recent tax return

Your most recent tax return will be used to decide if you need to pay the higher premium.  The amount is based on your (MAGI) modified adjusted gross income.  Your MAGI is your total adjusted gross income along with your tax-exempt interest income.  If you are filing as single and your MAGI is more than $85,000,you will pay a higher Part B premium.  In the event that you are married, filing jointly and your MAGI is greater than $170,000 you will pay a higher Part B premium.  If you will have to pay a higher premium, you will receive a letter from Social Security with the reason for the higher cost as well as the amount you will have to pay.

When you have income that is not over the set income limits you will not have to pay any additional premium.

If your income has gone down, due to a change in your life, you can contact Social Security and explain it to them.  They will need proof/documentation of the new information and may adjust your payment amount accordingly. We list some examples of life changes below:

You or your spouse stops working or has reduced hours.

An unforeseen event causes you to lose an income-producing property.

Recently you were either married, divorced or widowed.

You have lost income from a pension plan.

In the event that your income has gone down, you can use  Form SSA-44 to ask for an adjustment.  You can find the form on line at www.socialsecurity.gov/forms/ssa-44.pdf.w.

If you would like more information or help with signing up for Medicare, please contact the office.  You can reach us either by phone at (203)796-5403 or by email at teal@croweandassociates.com

New Medicare Card Scams

Unfortunately, there have been reports of some New Medicare Card Scams.

Be aware that  Medicare is in the process of sending out the new Medicare cards.

 Therefore, if you receive a call and someone says you need to give them your personal information or payment of any sort to get the new card, hang up! It’s a scam. Medicare will never call uninvited and ask for personal information or money the cards are free and Medciare already has all the information they need to get the card to you.  Click this link to check the status of your new card.

If you have not received your new Medicare card yet, don’t worry. Sending cards out to each state takes some time.  You and your friends will probably get your cards at different times.  If you do not have your new card yet, you can keep using your current Medicare card.

Additionally, you are able to log in to your MyMedicare.gov account to see when your new card was mailed. To sign up for a free Medicare account you can go to Medicare.gov  and in a short amount of time you can create an account.

IMPORTANT: If you have received your new card, start using it right away!

YOUR NEW CARD WILL LOOK LIKE THIS:

PLEASE REMEMBER:

1. Your new card will automatically be mailed to you. There is nothing for you to do.  Just wait for the card to arrive, as long as your address is up to date. If you need to update your address, visit your My Social Security account.
2. Once you get your new Medicare card, you should destroy your old Medicare card and start using your new card.
3. Medicare uses a unique combination of numbers and letters on the new cards. They use numbers 0 thru 9.  They do not use the letters S, L, O, I, B, or Z on the cards.

Call Crowe and Associates with any questions at 203-796-5403

Medicare Employment Verification form

You might wonder why you would need a Medicare employment Verification form?  If you are going to apply for Medicare in a special enrollment period you need to have had group plan coverage within the last 8 months through either yours or your spouse’s employer.

If you have a disability you must also have had large group health plan coverage through either your own or your spouse’s employment. The Medicare verification form is used to prove that you have had or have this coverage.  It is needed to process your Medicare enrollment application.  The employer that provides you with health coverage will complete some sections of this form for you.  The form includes information about your health care coverage as well as the dates of employment.

Click here for Employment verification form

HOW DO I FILL OUT THIS FORM?

You will fill out the first part of the form(section A).  Have your or your spouse’s employer(whichever provides insurance coverage to you)fill in the second part of the form(Section B) and sign it.

WHAT TO DO WITH THE COMPLETED FORM:

Once both sections are complete, you need to include the form with your Medicare enrollment application.  You send both forms to your local Social Security office.
If you need to find your local Social Security office click here, after you get to the page you click on the menu.  Then click on contact us, and finally click on find an office.

If you have any questions or need help with this, please contact our office.  You can reach us either by phone (203)796-5403 or by email at admin@croweandassociates.com

If you are a Medicare agent and need a scope of appointment form Click Here.

Have you thought about Medicare sales:

We have a great lead program for agents that are part of our team.  Click here for more information.

Click here for paper agent contracting kit

For online contracting, Click here

Preventive care definition

This post will help you to better understand what the Preventive care definition is.  This will give you an idea of what your health care coverage is providing to you and sometimes what it is not.

The care that you receive to prevent illness or disease is referred to as preventive care.  This can also include counseling you receive in an effort to prevent health problems. The reason insurance companies provide these services at no cost to you is because; if you are healthy it costs them less to provide insurance coverage for you in the long run. The basic idea is that getting preventive care, such as screenings and immunizations,  helps keep you and your family healthy.  All Marketplace health plans as well as many other health plans are required to cover preventive services without charging you either a copay or coinsurance. This applies even if you have not met your yearly deductible yet.

The Preventive care list includes different services if you are an adult than the services that qualify as preventive if you are a child.  The insurance industry also bases preventive care on the risk factors for each individual.  These factors vary according to both your family history as well as your personal history.

CLICK THIS LINK TO VIEW THE ACA LIST OF PREVENTIVE CARE SERVICES

If you need assistance with obtaining insurance, please contact us.  You can reach us either by phone at (203)796-5403 or by email at edward@croweandassociates.com.  We are always happy to assist clients in finding the best coverage options available to them.

Medicare forms online

Medicare forms online can help you search for a Medicare form to file a claim, request an appeal, or for Medicare to give someone access to your personal health information?

To get the Medicare form you need, visit Medicare.gov and find the situation that applies to you.

Maybe you’ve been working past the age of 65, have had health coverage through your (or your spouse’s) employer, and are now ready to enroll in Medicare Part B. If so, you’ll most likely need to fill out CMS forms 40B and L564 and take those to your local Social Security office to start Part B coverage. You can find those particular forms on Medicare.gov, too, under “Enrollment Forms.”

To get the Medicare form you need, find the situation that applies to you. Get forms in alternate formats.

Medicare forms online – Enrollment forms

Medicare forms online – Appeals forms

Crowe and Associates is open from 8:00 am to 5:00 pm M-F.  If you have questions, please contact us either buy phone at 203-796-5403 or email teal@croweandassocaites.com.

Extended Medicare Open Enrollment Period 2019

This year you have more chances to make sure you chose the best health care coverage available for your needs. There will be an Extended Medicare Open Enrollment Period 2019.  The extended period is called the Medicare Open Enrollment Period (OEP) and will run from January 1 through March 31st.

The Medicare Annual Election Period (AEP) is from October 15 until December 7 each year. The dates changed in 2011, but have been the same ever since.  For 2018 Medicare coverage, open enrollment ended on December 7, 2017. For 2019 coverage, open enrollment will run from October 15, 2018, until December 7, 2018.

During the annual enrollment period (AEP)  you can make changes to various aspects of your coverage.

• You can switch from Original Medicare to Medicare Advantage, or vice versa.
• You can also switch from one Medicare Advantage plan to another, or from one Medicare Part D (prescription drug) plan to another.
• And if you didn’t enroll in a Medicare Part D plan when you were first eligible, you can do so during the general open enrollment, although a late enrollment penalty may apply.

If you want to enroll in a Medicare Advantage plan, you must meet some basic criteria.

• You must be enrolled in Medicare Part A and B.
• You must live in the plan’s service area.
• In most cases, you cannot have End-Stage Renal Disease (some exceptions apply).

Extended Medicare Open Enrollment Period 2019 –  More about OEP

During the Medicare OEP from January 1 to March 31st you will have one more chance to make a plan change.  If you have a Medicare Advantage plan, you will be able to drop the advantage plan and go back to Original Medicare.  You can also add a drug plan at that time if you choose.  If you have a current Medicare Advantage plan or a PDP plan, you will be able to change to a different Medicare Advantage or PDP.  This is a one time election.

Extended Medicare Open Enrollment Period 2019 – Information about auto renewals on Advantage, Part D and Medicare Supplements

If you are enrolled in a Medicare Part D prescription plan or  Medicare Advantage Plan and you are happy with your coverage, you don’t need to do anything during open enrollment.  You should just confirm your current plan will continue to be available. If your plan is going to be discontinued and isn’t eligible for renewal, you will receive a notice from your carrier before open enrollment. If you don’t, it means you can keep your plan and don’t need to do anything during open enrollment.

Keep in mind, every year your benefits and premium could change.  Although you want to keep your current coverage for the following year, it’s important to check for and understand any changes that may apply. You should always check to make sure that your current plan is still the best choice available to you. The coverage of the available plans can changes from one year to the next. Although the plan you have now was the best option last year, you should make sure that is still the case for next year.

Following AEP is the Medicare Advantage Disenrollment Period that runs from January 1st through February 14th.  During this time, a Medicare Advantage plan member is able to disenroll from their current Medicare Advantage Plan. They can then go back to original Medicare and purchase a Medicare supplement plan if they choose.  They can purchase a new Part D Prescription drug plan ony if they disenrolled from an MAPD.

In 2019, the new enrollment period will be from January 1st through March 31st.

This enrollment period will allow Medicare Advantage Plan members to disenroll from their current plan and switch to a different Medicare Advantage plan.  They can only do this one time within this period.  They can also return to original Medicare and purchase a Medicare supplement if they choose. This is not Guaranteed Issue business.   Similar to the dis-enrollment period, members can only enroll in a new Part D plan if they have disenrolled from an MAPD.

Crowe and Associates is open from 8:00 am to 5:00 to answer any questions.  Call us at 203-796-5403

How to Sign up for Medicare on line

This post will give you instructions on how to sign up for Medicare on line.  Please keep in mind, the only people who are eligible to use this tool are people who are turning 65.  If you have already turned 65 more than 2 months ago you will have to sign up for Medicare at your local Social Security office.

If you are not ready to retire yet, you can still apply for Medicare on line. The online application usually only takes a few minutes.  Just select submit your electronic application and you are done. You do not need documentation and will not have to sign any forms.   Social Security will process your application and contact you if they need any more information.  You will receive your Medicare card in the mail.

Social Security works with CMS by enrolling people into the Medicare program.

How to sign up for Medicare on line – There are several good reasons to use the online Medicare application:

• Avoid the trip and the waiting in your local Social Security Office.
• Start and stop your application when you need to without losing your information.
• Correct your application before you submit it.
• When you are finished, just select “Submit Now” to send your application to Social Security no need to wait for the mailman.
• Receive a printable receipt of your application for your records.
• Receive a confirmation number after you submit your application that you can use to check the status of your application.

How to sign up for Medicare on line – If you are not planning to receive retirement benefits yet:

you should still sign up for Medicare three months before reaching age 65.  Once you are in the online application, you will be able to opt out of receiving cash retirement benefits now. You will be able to apply online for retirement benefits later. With the online application, you can sign up for both Medicare Part A (Hospital Insurance) and Part B (Medical Insurance).  There is a cost for Medicare Part B coverage, therefore you may decide not to accept it. Although, if choose not to enroll in Medicare Part B and then decide you want it later,  you will pay a higher Part B premium. Your monthly cost will go up 10 percent for every 12-month period you were eligible for Part B, but didn’t sign up for it, unless you qualify for a “Special Enrollment Period.”

How to sign up for Medicare on line – Special Enrollment Period (SEP)

If you are age 65 and have Medical coverage through a spouse’s current employment, you might not need to apply for Medicare Part B yet. If this is the case, you may be eligible for a “Special Enrollment Period” (SEP).

• You qualify if you or your spouse is currently employed and receive benefits from employer based health coverage.
• Anytime during the 8-month period that begins the month after your group health plan coverage or the employment it is based on ends, whichever comes first.

How to sign up for Medicare on line – What to do if your Medicare card is lost, stolen, or destroyed;

You can ask for a replacement card by using your online my Social Security account.  If don’t already have a Social Security on-line account, you can easily create one online.   Create your account by clicking on this link: Sign In or Create an Account.

Once you log in to your account, choose the “Replacement Documents” tab.  Then choose “Mail my replacement Medicare Card.”  You will receive your new Medicare card in about 30 days.

If you decide not to use the online service, you can contact Social Security either by phone or in person at your local Social Security office.

• Call 1-800-772-1213 (TTY 1-800-325-0778), Monday through Friday, from 7 a.m. to 7 p.m.
• Click the following link to contact your local Social Security office.

If you have further questions, please contact our office.  You can reach us either by phone at (203)796-5403 or by email at edward@croweandassociates.com.  To learn more about us, please go to www.crowenadassociates.com

resources https://www.medicare.gov/

Medicare Savings Program Connecticut 2018

About the Medicare Savings Program Connecticut 2018

Medicare Savings Program Connecticut 2018 (MSP) is available those below certain income levels. As a result, the program does not take assets into consideration for eligibility.  There are three levels of the program you may qualify for if your income is below the guidelines.

• QMB (Qualified Medicare Beneficiary):  Pays for your Medicare Part B premiums, as well as Medicare deductibles and/or coinsurance.  Most people do not pay a premium for Medicare Part A, although the QMB program will pay part A premium for those with a Medicare Part A premium.
  • the income limits for 2018 either single $2,135.32 a month or couple $2,894.92 a month.
• SLMB (Specified Low-Income Medicare Beneficiary): Will pay for your Medicare Part B premium
  • the income limits for 2018 either single $2,337.72 a month or for a couple $3,169.32 a month.
• ALMB (Additional Low-Income Medicare Beneficiary): Will pay for your part B premium;  You may not have any other type of Medicaid program while enrolled in the ALMB program
  • income limits for 2018 either single $2,489.52 a month or couple $3,375.12 a month

This program is subject to changes during the 2018 year. Click here for an update

Medicare Savings Program Connecticut 2018 Application

It’s easy to apply for the Connecticut Medicare Savings Programs. Simply complete an application and mail it in. The application is“Medicare Savings Programs Application/Redetermination,”.  There is no cost to apply for the program as well as no penalty for applying if you are not accepted.

Medicare Savings Program Application 

Formulario de Renovación de programas de ahorro de Medicare 

Please mail the completed application to:

DSS ConneCT Scanning Center

PO Box 1320

Manchester, CT 06045-1320

If you are having trouble printing the application; please call Crowe and Associates at 203-796-5403

MSP Connecticut – Apply through CHOICES

All three MSP programs are administered by the Connecticut DDS . To apply, you can complete the paper application (In the link above). You may also call CHOICES at 1-800-994-9422,

Medicare Savings Program  FAQ  CLICK HERE FOR MORE INFORMATION

Link to the DORS website

More basic information on MSP

DORS BENEFITS QUICK GUIDE

If you need help choosing a Medicare plan, feel free to contact us either by email teal@croweandasspociates.com or phone 203-796-5403.

To learn more about what we offer; click here.

Minimum Coverage Health Insurance for Individuals

The following post contains information about Minimum Coverage Health Insurance for Individuals.  If this is the type of insurance you would like to purchase, please use the information below to help you make an informed decision.

Medicare Savings Program Changes CT 2018

In this post we give you some valuable information about the Medicare Savings Program Changes CT 2018.  We realize many of you may be confused about all the recent news of changes in eligibility and income limits.  Please note: the effective date of any changes in this program has been extended until July 1, 2018 in the state of Connecticut.

Medicare Savings Programs (MSPs) are put in place to help the Medicare beneficiary pay their Part B premium.  In some instances, MSPs help beneficiaries pay for Part A premiums.  Usually, Part A is free, although if either the beneficiary or their spouse has not worked enough, he or she will need to pay the Part A premium.

Just to recap:

The program is not going to change until July 1, 2018. In the event that the income limits are lowered and that results in the loss of your QMB status, DSNP members will still have 90 days before you are dropped from the program. If you are being dropped you will receive a letter that explains this to you.  If yo do lose your QMB Status you will no longer qualify for protection of balance bills.  This means that you will be responsible for these bills as of the date that you lose your QMB coverage.

Each year in March the income limits for the MSP Program are reviewed, and usually raised.  This will not change the fact that the state is going to fund the program until at least July 1.

Click here to learn more about the different levels of help and Husky vs Medicaid

These following income limits are effective in March 2018:

QMB (Qualified Medicare Beneficiary):
Pays both Medicare Part A and Part B premiums, deductibles and co-insurances.
QMB income limits (211% FPL):
Single person – $2,135.32/month (previously $2120.55)
Married couple – $2,894.92/month (previously $2854.83)

There is no asset limit for people who receive benefits from this program.

To Apply: You can download an application form in either English or Spanish, CLICK HERE FOR APPLICATION.

Applicants may also apply by going to the Connecticut Department of Social Services office for their town.

National General Short Term Health Plans

If you find yourself in need of a short-term health care plan you should look into National General Short Term Health Plans.  Short term health insurance is major medical insurance that you purchase for a defined period of time.  In most cases the monthly premium is lower than other major medical health insurance coverage.  There are other advantages to purchasing short-term health insurance beside the price.  There are also no open enrollment restrictions on these plans, that means you can apply for coverage anytime. You will receive notification within minutes if your application is approved. You can use your coverage the day after you are approved.

Life can sometimes throw you a curve ball, if this happens you don’t want to be caught without insurance coverage. Spending any time without insurance coverage can be a little risky.  National General’s Short Term Health Plans give you the safety net you need for those unpredictable times.  These plans give you protection from unexpected medical bills and health care expenses for things such as:

• Doctor visits and some preventive care
• Emergency room and ambulance coverage
• Urgent care benefits, and more

You can click on this link  for the Aetna PPO Network Provider Lookup for Short Term Medical: (search using the Open Choice PPO Network)

This coverage is great for people who:

• need to bridge the open enrollment gap
• have recently graduated from college
• Are either part-time or temporary employees
• Do not have adequate health insurance coverage
• May be between jobs or have been laid-off
• Are waiting for employer benefits to start

National General Short Term Health Plans Offer:

• Coverage Period Maximum of $250,000 and $1,500,000
• Deductible options from $1,000, $2,500, or up to $5,000
• Coinsurance Percentage of In-Network plan 100/0, 80/20, 70/30, and 50/50
• Both Doctor Office Visit as well as an Urgent Care Co-pay of $50

Why should you join a National General Short Term Health Plan?

1. These plans are generally far more affordable than an ACA plan,  even after you consider the tax penalty.
   In the event that you do not qualify  for Obamacare plan subsidies, you will be stuck paying very high premiums.  For instance, A 29-year-old woman making $33,000 annually in South Florida will pay about $2,200 each year for a bronze-level Obamacare plan.   On the other hand,  she could purchase four short-term plans back-to-back for less than $500 a year.  Even after you add in tax penalty of $695, she will still save over $1,000 per year. The plans have a comparable deductible.
2.  You will still be eligible to join an ACA plan in the event that you develop a condition that prevents you from reapplying for a Short Term Health Insurance plan.
   Affordable Care Act health plans cannot deny coverage for pre-existing conditions therefore, you will be eligible to join an ACA plan during open enrollment.
3.  Short Term Health Insurance is Flexible.   Did you know that the ACA requires every plan to cover 10 essential health benefits.  These benefits include maternity services.  This means that a  single male with an ACA plan will have maternity coverage that he can never use.  Short-term health insurance covers services that a healthy member is more likely to actually use.
4.  There is No Annual Open Enrollment Period for these plans.  In fact, you can enroll in a plan anytime you need one.  In contrast, you cannot purchase an Obamacare plan if you do not sign up during the short, six-week Open Enrollment Period.  Unless you meet certain criteria for a special enrollment period.

If you have any questions, please contact us either by phone at (203)796-5403 or by email at edward@croweandassociates.com.  We will be happy to go over your options for insurance coverage.

link to resources

MetLife Dental Plans

MetLife dental plans are available through MetLife TakeAlong Dental.  TakeAlong dental is a PPO dental program that offers coverage to both you and your family.  Three PPO plan designs are currently available to choose from.  All three plans have affordable monthly premiums and a large network of participating providers.  The MetLife dental plans offer you a number of benefits…

CLICK HERE TO QUOTE PLANS

Having the right Dental insurance can protect you and your family from unexpected dental expenses! MetLife TakeAlong Dental offers comprehensive coverage today and in the future, even through different stages of your life.

CLICK HERE TO QUOTE AND ENROLL

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