Warning: trim() expects parameter 1 to be string, array given in /home/nvsenior/public_html/wp-content/plugins/custom-post-order-category/wp-customcategorypostorder.php on line 492
eligible individuals | Nevada Senior Guide

Medicare Annual Open Enrollment Changes Are Expected, Allsup Explains

September 14, 2013 by · Leave a Comment
Filed under: Press-Media Releases 

Medicare Annual Open Enrollment Changes Are Expected, Allsup Explains

New Medicare plan options for 2014 will be available Oct. 15, but Health Insurance Marketplace enrollment could confuse beneficiaries 

There are only a few weeks before the Medicare annual open enrollment period begins Oct. 15. This year’s Medicare season crosses calendars with the rollout of the Health Insurance Marketplace, so it’s important Medicare-eligible beneficiaries understand the differences between the two government programs, according to Allsup, a nationwide provider of Medicare plan selection services.

During the Medicare annual enrollment period, Oct. 15 to Dec. 7, all Medicare beneficiaries have the option to change their Medicare plans for the coming year to better match their needs. This includes anyone using original Medicare, Medicare Advantage or Part D prescription drug plans.

“Because the federal and state-run health insurance exchanges open for business just two weeks prior to Medicare enrollment, some people may be confused,” said Paula Muschler, manager of the Allsup Medicare Advisor®, a Medicare plan selection service offering personalized help that includes customized research and enrollment assistance.

“Medicare beneficiaries may falsely think they need to enroll in an exchange plan to avoid penalties. Or, they may be so flustered that they don’t carefully evaluate their Medicare plan options for 2014, which could be detrimental if their plan or their needs have changed,” Muschler said.

Another potential area of confusion is for those individuals turning 65 during Medicare annual enrollment. “Because some seniors become Medicare eligible during this time period, they need to look at their Medicare selections for coverage that takes them through year-end 2013, as well as coverage that will begin Jan. 1, 2014,” Muschler said. “These first-time enrollees can benefit from the help of a Medicare specialist like Allsup when it comes to navigating their Medicare plan decisions.”

What to Expect: Medicare Coverage 2014

Nearly 50 million people are enrolled in Medicare. Each year, annual open enrollment brings with it changes that can affect their Medicare plan selections.

Following are factors to keep in mind for 2014 coverage:

Medicare is not part of the Health Insurance Marketplace. Anyone with Medicare is considered covered and won’t face penalties for being uninsured under provisions of the Affordable Care Act (ACA). Medicare annual open enrollment runs Oct. 15 to Dec. 7. (Note: Health Insurance Marketplace enrollment is from Oct. 1, 2013, through March 31, 2014, according to the U.S. Department of Health & Human Services (HHS).)

Medicare recipients reaching the drug donut hole will benefit from lower costs. The gap in prescription drug coverage starts when someone reaches the initial coverage limit, estimated at $2,850 in 2014. It ends when they have spent $4,550, when catastrophic coverage begins. (These are reductions of $120 and $200, respectively, from 2013.) During the donut hole, all costs are covered by individuals out of their own pocket. In 2014, those who reach the donut hole can receive a 52.5 percent discount on brand-name drugs and 28 percent discount on generic drugs (an increase from 21 percent in 2013).

Under catastrophic coverage, they are responsible for a co-pay of $2.55 for generic or preferred multisource drugs (down from $2.65 in 2013) with a retail price up to $51 and $6.35 for all other drugs (down from $6.60 in 2013) with a retail price up to $127. For 2014, however, beneficiaries are responsible for a 5 percent cost-sharing fee for drugs over those retail prices.

Medicare Part B premium changes are expected. In each of the past three years, Part B premiums have increased. The 2013 monthly premium for Medicare Part B (medical insurance) was $104.90, an increase from $99.90 in 2012. In addition, because Part B premiums are based on the beneficiary’s income and those income levels are frozen at 2010 levels, more individuals could see their premiums change. Information on the standard Part B premium for 2014 should be available by the time Medicare annual open enrollment begins Oct. 15.

Prescription drug Part D plans will see slight changes in deductible and premiums. The Part D initial deductible decreases by $15 to $310. HHS also recently reported the Part D monthly premiums will remain relatively stable, at $31 for a basic prescription drug plan in 2014. This is close to the reported average premium of $30 for the past three years (2011-13). Part D premiums are subject to the same income-based thresholds as Part B.

Changes anticipated for Medicare Advantage plans. Not all plans change every year, but common changes include costs, such as premiums, deductibles and co-pays, and changes to covered procedures, tests, medical facilities and other provisions. Some plans may be eliminated, which means beneficiaries will need to select a new plan or default to original Medicare Part B. Enrollment in Medicare Advantage plans continues to grow with 14.4 million people enrolled, an increase of more than 1 million from 2012, according to the Kaiser Family Foundation.

Most Medicare participants will receive their Annual Notice of Change (ANOC) and Evidence of Coverage (EO) from their current Medicare Advantage and Part D providers by Sept. 30, according to Muschler. “It’s crucial people review materials as soon as they receive them and asses their current healthcare needs,” she said.

“Healthcare costs are a critical line item in most people’s budget, and especially so for seniors and people with disabilities,” Muschler added. “Believing your current plan will continue to cover your needs in the same way can lead to unexpected and costly surprises.”

Medicare specialists such as Allsup are available to help consumers and their family members review Medicare plans and choices for 2014 coverage, Muschler added.

“For many people, this can be a time-consuming, confusing and complex evaluation process, especially when comparing Part D plans or Medicare Advantage plans,” Muschler said. “Many Medicare beneficiaries are pleased to find out there are Medicare specialists like Allsup who look at the comparative details of the plans, and then provide them the assistance they need to make choices that suit their needs and budget in the coming year.”

The Allsup Medicare Advisor is an affordable, flat-fee based service for Medicare-eligible individuals.

For an evaluation of Medicare options, call an Allsup Medicare Advisor specialist at (866) 521-7655 or visit Medicare.Allsup.com to learn more about the service.

The Allsup Medicare Advisor also has features that help financial advisors guide their clients to the Medicare plans that match their specific lifestyles and healthcare needs. Employers also use Allsup Medicare Advisor for their employees who are retiring and transitioning to Medicare. For more information, go to FinancialAdvisor.Allsup.com, or call (888) 220-9678.
ABOUT ALLSUP

Allsup is a nationwide provider of Social Security disability, veterans disability appeal, Medicare and Medicare Secondary Payer compliance services for individuals, employers and insurance carriers. Allsup professionals deliver specialized services supporting people with disabilities and seniors so they may lead lives that are as financially secure and as healthy as possible. Founded in 1984, the company is based in Belleville, Ill., near St. Louis. For more information, go to http://www.Allsup.com or visit Allsup on Facebook at http://www.facebook.com/Allsupinc.

The information provided is not intended as a substitute for legal or other professional services. Legal or other expert assistance should be sought before making any decision that may affect your situation.

# # #

Contact:
Rebecca Ray, (800) 854-1418, ext. 65065, r.ray@allsupinc.com
Mary Jung, (773) 429-0940, mtjung@msn.com

Nevada-Senior-Guide Nevada Aging and Disability Services Division

August 10, 2011 by · Leave a Comment
Filed under: Support Services 

http://www.nvaging.net/

The Aging and Disability Services Division (ADSD) in the State of Nevada, Department of Health and Human Services, represents Nevadans aged 60 years and older and those with disabilities.

Mission Statement The Aging and Disability Services Division provides leadership and advocacy in the planning, development and delivery of a high quality, comprehensive support service system across the lifespan. This allows all of Nevada’s elders, adults and children with disabilities or special health care needs to live independent, meaningful, and dignified lives in the most integrated setting appropriate to their needs. Developmental Services

State of Nevada Aging and Disability Services Division (ADSD)

Programs/Services

 

Advocate for Elders

Advocacy, assistance, information and referral to frail seniors, who are 60 years of age or older, primarily homebound and living in the community, and their caregivers.

Aging and Disability Resource Centers (ADRCs)

Provides citizen-centered “one-stop” entry points into the long-term support system. Serves individuals in need of long-term support, caregivers, and those planning for future long-term support needs.

Assisted Living (AL) Waiver

Assisted living supportive services to eligible individuals in a residential facility as an alternative to nursing home placement.

 

Community Options Program for the Elderly (COPE)

Non-medical services to older persons to help them maintain independence in their own homes as an alternative to nursing home placement. Similar to the HCBW Program.

 

Disability Rx (External link) Assistance with the cost of prescription medicines to qualified individuals with disabilities.

 

Disability Services (External link)The Office of Disability Services provides resources at the community level which promote equal opportunity and life choices for people with disabilities through which they may positively contribute to Nevada.

Elder Protective Services (EPS)

For persons 60 years old and older who may experience abuse, neglect, exploitation, or isolation.

 

Grants

Information for current and/or prospective grantees.

 

Home and Community Based Waiver (HCBW formerly CHIP)

Non-medical services to older persons to help them maintain independence in their own homes as an alternative to nursing home placement.

 

Homemaker Program

General housekeeping, limited meal preparation, shopping, laundering, errands, standby assistance with bathing, and home management services.

 

IDEA Part C Office

Provides oversight of Part C (early intervention services) of the Individuals with Disabilities Education Act (IDEA).

 

Long Term Care Ombudsman

Addresses issues and problems faced by residents in long term care facilities, which includes residential facilities for groups.

 

Senior Medicare Patrol (SMP)

The goal of the SMP program is to empower seniors to prevent Medicare/health care fraud through outreach and education.

 

Senior Rx

Nevada’s plan to provide Nevada seniors relief from the high cost of prescription medicine.

 

Senior Tax Assistance/Rent Rebate Program

This program is no longer available.

 

State Health Insurance Assistance Program (SHIP)

Medicare Counseling Information

Counseling and assistance to Medicare Beneficiaries in Nevada, utilizing a statewide network of volunteers.

 

Taxi Assistance Program (TAP)

Discounted taxicab fares to seniors and persons with disabilities in Clark County. (Washoe County also has a program of this type.

 

 

Waiver for the Elderly in Adult Residential Care (WEARC)

Non-medical services in a group care setting to offer individuals a less expensive alternative of supervised care in a residential setting.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

  • Senior Industry Network Group Events

    Monthly SING Meetings are held the first Thursday of every month at our NEW location below:

    Desert Canyon - HealthSouth
    9175 W. Oquendo Rd.
    Las Vegas, NV 89148

    S.I.N.G. Agenda:
    - Coffee and bagels will be served
    - A time to show gratitude by thanking those who have sent you referrals
    - Announcements around the room
    - One minute commercials
    - Open Discussion on topics of Self Empowerment

    * When? The 1st Thursday of every month. Networking starts at: 8:00am | Meeting starts at: 8:30am

    * How Much? It’s free!