Solutions for Seniors

Medicare Information:

Medicare is health insurance for people age 65 or older, under age 65 with certain disabilities, and any age with permanent kidney failure (also known as End-Stage Renal Disease or ESRD). Medicare covers many health care services and supplies, but there are many costs (gaps) it does not cover.

Medicare has:

- Part A (hospital insurance) - which covers inpatient care in hospital, skilled nursing facilities some home health, and hospice care.
- Part B (Medical Insurance) - which covers doctor’s services and outpatient care, other medical services that Par A does not cover (like physical and occupational therapists), and some home health care.
- Part C (Medicare Advantage Plans) – Private insurers (like PPOs and HMOs) provide both Part A and Part B benefits to people who enroll.
- Part D (Medicare prescription drug coverage) – which covers prescription drugs was instituted in January 2006.

We know that Medicare, with all its “parts” can get somewhat confusing. On top of that, when it comes time to choose a Medicare Advantage or Supplement plan that is right for you, the possibilities can seem endless. It is important to review your health care needs every year. If you are dissatisfied with your current plan’s cost and coverage or customer services you have options for change.

If you are just starting to investigate Medicare plans or have questions about your current coverage please call us or Contact Us if you would like to discuss your options.

Eligibility:

Enrolled in Medicare A & B
Guaranteed issue rights

Enrollment Periods:

Annual Election Period: November 15 to December 31
Open Enrollment Period: January 1 to March 31
Within 60 days of losing your group health coverage

Within 3 months of your 65th birthday, and 3 months after your birthday month
Special Election Periods – when circumstances apply

Resources:

Medicare 1-800-MEDICARE or TTY users call 1-877-487-2048

Websites:

www.medicare.gov
www.blueshieldca.com
www.anthem.com/ca
www.aetna.com