Elder Abuse remains a serious public health problem in the United States. Per a recent MDHHS MiHealthLink newsletter, 1 in 10 Americans age 60+ have experienced some form of abuse. For every 1 case of Elder Abuse reported, 44 go unreported. The annual loss by survivors of Financial Abuse is estimated to be between $2.6…

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Did you know you are able to receive many FREE preventive services through your Medicare? Preventive services are provided without charging your annual part B deductible or the typical 20% coinsurance.  Medicare preventive services and screenings are tools you can use to help self-manage your health. Getting health screenings on a regular schedule helps find…

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Medicare Supplement Insurance (Medigap) is extra insurance you can buy from a private company that helps pay your share of costs in Original Medicare. You need both Part A and Part B to buy a Medigap policy. Some Medigap policies offer coverage when you travel outside the U.S. Generally, Medigap policies don’t cover long-term care…

Read more

You may have heard that Medigap companies are raising their premium rates.   Most plans use “attained age” pricing tiers–as you age, your premium prices increase. This is because the odds of developing chronic health issues, needing health maintenance tune-up surgery, or supporting long-term health conditions with monitoring or rehab increases as you age.  You can…

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Do you know the differences between a Medigap Medicare Supplemental Insurance and Medicare Advantage Insurance?  Page 5 of your annual Medicare and You Handbook has a graphic showing the differences in the two “paths” of Medicare…pay up front or pay as you go. Those who choose Original Medicare with a Medigap policy as secondary insurance…

Read more

If you have BOTH Medicare and full Medicaid with no spend down, you are considered a “dual eligible” beneficiary.  Dual Eligible beneficiaries in several Michigan counties have the option to receive coverage from a MiHealth Link health insurance program. These programs are similar to Medicare Advantage plans. They include hospital, medical, and prescription benefits, plus…

Read more

The annual Part D Deductible for 2022 may be as high as $480 for some Medicare Part D or Medicare Advantage with Part D drug plans. In 2021, the highest deductible was $445. A deductible, in simplest form, is the amount you must pay out of your pocket before the insurance will kick in and…

Read more

Even if you have insurance coverage through current employment, you may still need to make some important Medicare enrollment decisions about Part A (Hospital Insurance) and Part B (Medical Insurance) when you are turning 65. It’s important to understand how your current coverage works with Medicare before making any enrollment decisions. If your workplace offers…

Read more

Medicare Part A covers inpatient hospital, limited skilled nursing facility, and some home health care services.  The Medicare Part A inpatient hospital deductible is $1,484 in 2021. It covers beneficiaries’ share of costs for the first 60 days of Medicare-covered inpatient hospital care in a benefit period. In 2021, beneficiaries must pay a coinsurance of…

Read more

You may be eligible to save on your Medicare costs!  The Extra Help Program is a Low-Income Subsidy (LIS) which helps some Medicare beneficiaries get reduced monthly prescription premiums, co-pays and/or annual deductibles related to their Medicare Prescription Drugs. The 2021 eligibility limits are below. Income limit is $1,630 or less for an individual or…

Read more

Elder Abuse remains a serious public health problem in the United States. Per a recent MDHHS MiHealthLink newsletter, 1 in 10 Americans age 60+ have experienced some form of abuse. For every 1 case of Elder Abuse reported, 44 go unreported. The annual loss by survivors of Financial Abuse is estimated to be between $2.6…

Read more

Did you know you are able to receive many FREE preventive services through your Medicare? Preventive services are provided without charging your annual part B deductible or the typical 20% coinsurance.  Medicare preventive services and screenings are tools you can use to help self-manage your health. Getting health screenings on a regular schedule helps find…

Read more

Medicare Supplement Insurance (Medigap) is extra insurance you can buy from a private company that helps pay your share of costs in Original Medicare. You need both Part A and Part B to buy a Medigap policy. Some Medigap policies offer coverage when you travel outside the U.S. Generally, Medigap policies don’t cover long-term care…

Read more

You may have heard that Medigap companies are raising their premium rates.   Most plans use “attained age” pricing tiers–as you age, your premium prices increase. This is because the odds of developing chronic health issues, needing health maintenance tune-up surgery, or supporting long-term health conditions with monitoring or rehab increases as you age.  You can…

Read more

Do you know the differences between a Medigap Medicare Supplemental Insurance and Medicare Advantage Insurance?  Page 5 of your annual Medicare and You Handbook has a graphic showing the differences in the two “paths” of Medicare…pay up front or pay as you go. Those who choose Original Medicare with a Medigap policy as secondary insurance…

Read more

If you have BOTH Medicare and full Medicaid with no spend down, you are considered a “dual eligible” beneficiary.  Dual Eligible beneficiaries in several Michigan counties have the option to receive coverage from a MiHealth Link health insurance program. These programs are similar to Medicare Advantage plans. They include hospital, medical, and prescription benefits, plus…

Read more

The annual Part D Deductible for 2022 may be as high as $480 for some Medicare Part D or Medicare Advantage with Part D drug plans. In 2021, the highest deductible was $445. A deductible, in simplest form, is the amount you must pay out of your pocket before the insurance will kick in and…

Read more

Even if you have insurance coverage through current employment, you may still need to make some important Medicare enrollment decisions about Part A (Hospital Insurance) and Part B (Medical Insurance) when you are turning 65. It’s important to understand how your current coverage works with Medicare before making any enrollment decisions. If your workplace offers…

Read more

Medicare Part A covers inpatient hospital, limited skilled nursing facility, and some home health care services.  The Medicare Part A inpatient hospital deductible is $1,484 in 2021. It covers beneficiaries’ share of costs for the first 60 days of Medicare-covered inpatient hospital care in a benefit period. In 2021, beneficiaries must pay a coinsurance of…

Read more

You may be eligible to save on your Medicare costs!  The Extra Help Program is a Low-Income Subsidy (LIS) which helps some Medicare beneficiaries get reduced monthly prescription premiums, co-pays and/or annual deductibles related to their Medicare Prescription Drugs. The 2021 eligibility limits are below. Income limit is $1,630 or less for an individual or…

Read more