Medicare Maze Sarah M Taylor, CEA FCS

Objectives What is Medicare? What is Medicare? Enrollment Enrollment Medicare Part A Medicare Part A Medicare Part B Medicare Part B Questions??? Questions???

What is Medicare? Health insurance program for Health insurance program for People 65 years of age and older People 65 years of age and older Some people with disabilities Some people with disabilities People with End-stage Renal Disease People with End-stage Renal Disease Administered by Centers for Medicare & Medicaid Services (CMS) Administered by Centers for Medicare & Medicaid Services (CMS) Enrollment handled by the Social Security Administration or Railroad Retirement Board Enrollment handled by the Social Security Administration or Railroad Retirement Board

Initial Enrollment 7 month window 7 month window When does Medicare start? When does Medicare start? Birthday on 1 st of the month Birthday on 1 st of the month Automatic if already receiving SS or RR benefits Automatic if already receiving SS or RR benefits

Delayed Enrollment What if I continue to work? What if I continue to work? Employer group policy. Employer group policy. Part A at 65 Part A at 65 Enroll in Part B when quit working or employer coverage ends Enroll in Part B when quit working or employer coverage ends 8 month window to enroll 8 month window to enroll

Medicare Part A- Hospital Coverage Coverage Days 1-60 Days 1-60 $1132deductible $1132deductible Days Days $283 per day coinsurance $283 per day coinsurance Lifetime Reserve Days Lifetime Reserve Days $566 per day coinsurance $566 per day coinsurance Also covers Home Health & Hospice Also covers Home Health & Hospice

Medicare Part B- Medical $ Premuim for those new in 2011 $ Premuim for those new in 2011 $162 deductible in 2011 $162 deductible in 2011 Medicare pays 80% coinsurance Medicare pays 80% coinsurance Beneficiary pays 20% coinsurance Beneficiary pays 20% coinsurance 15% excess charge 15% excess charge

Medicare Part B- Services Physician Physician Durable Medical Equipment Durable Medical Equipment Ambulance Ambulance Outpatient Hospital Charges Outpatient Hospital Charges Blood– Deductible First 3 Pints Blood– Deductible First 3 Pints Lab Services Lab Services Mental Health Services Mental Health Services

Part B- Preventative Services “Welcome to Medicare” Physical Exam “Welcome to Medicare” Physical Exam Cardiovascular Screening Cardiovascular Screening Breast Cancer Screening Breast Cancer Screening Cervical & Vaginal Cancer Cervical & Vaginal Cancer Colorectal Cancer Screening Colorectal Cancer Screening Prostate Cancer Screening Prostate Cancer Screening Smoking Cessation Smoking Cessation

Part B- Preventative Services Shots Shots Flu Flu Pneumonia Pneumonia Hepatitis B Hepatitis B Bone Mass Measurements Bone Mass Measurements Diabetes Screening Diabetes Screening Medical Nutrition Therapy Medical Nutrition Therapy Glaucoma Tests Glaucoma Tests

How Do I Fill The Gaps? Employer Employer Tri-Care Tri-Care State or Federal Government Employees State or Federal Government Employees Standardized Supplemental Insurance Standardized Supplemental Insurance Medicare Advantage Plans Medicare Advantage Plans

Medicare Part D Initial Enrollment Period Initial Enrollment Period 7 months 7 months Annual Coordinated Election Period Annual Coordinated Election Period October 15 to December 7 October 15 to December 7 Special Enrollment Period Special Enrollment Period Anytime lose creditable coverage (employer coverage) Anytime lose creditable coverage (employer coverage)

Choosing a Plan Cost Cost Deductible Deductible Premium Premium Copays Copays Coverage Coverage Convenience Convenience

Upcoming Medicare Classes Medicare Options Medicare Options December 5:30 p.m. Haysville Senior Center December 5:30 p.m. Haysville Senior Center February 5:30 p.m. Sedgwick County Extension 4-H Hall February 5:30 p.m. Sedgwick County Extension 4-H Hall Please call to register

Contact Information Sarah Taylor Sarah Taylor Sedgwick County Extension ext Sedgwick.ksu.eduShickinajiff.wordpress.com

Acknowledgments Medicare & You 2011 Medicare & You 2011 medicare.gov medicare.gov cms.hhs.gov cms.hhs.gov