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…

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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…

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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…

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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…

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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…

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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…

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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…

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January begins the annual General Enrollment Period for Medicare Parts A and B. If you have to buy Part A and didn’t take it when eligible, or didn’t take Part B medical coverage when first eligible, or if you cancelled your Medicare and you now want it back, you may sign up between January 1-March…

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Watch your mail for your New Part D insurance cards. December 7, 2020, is the final day of 2021 Open Enrollment for Medicare Prescription Drug Part D and Medicare Advantage with Part D. Changes made will be effective beginning January 1, 2021.   Persons who enrolled or made changes to their plan choices during the October…

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Medicare Part D and Medicare Advantage Plan Open Enrollment phone appointments are available at local MMAP Offices: CareWell Services SW at 800-803-7174, for Battle Creek area Calhoun County Office of Senior Services at 269-781-0846 for Marshall area Forks Senior Center at 517-629-3842 for Albion and surrounding area Albion Healthcare Alliance at 517-629-5080 in Albion Barry…

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If you are a Caregiver or next-of-kin, it is important to file proper forms with government agencies in advance of health emergencies.  For Medicare, you need legal authorization anytime you’re acting on behalf of a beneficiary. You can’t enroll another person in Medicare, a Prescription Drug Plan, or a Medicare Advantage Plan–even your spouse–unless you…

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In May, the Center for Medicare and Medicaid Services announced a new nationwide Medicare prescription $35 cap on insulin co-pays, even during “the donut hole.” This is good news for many insulin-using Medicare beneficiaries, but there are some things to know about this new cap. The insulin savings does not take effect until 2021.  Not…

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On November 8, 2019, the Centers for Medicare & Medicaid Services (CMS) released the 2020 premiums, deductibles, and coinsurance amounts for the Medicare Part A and Part B programs. Annual Medicare rates are adjusted according to the Social Security Act. The standard Medicare Part B monthly premium will be $144.60 for 2020, up $9.10 from…

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Do you make insurance decisions for a Medicare or Medicaid beneficiary? Filing proper forms with government agencies will save you lots of frustration!  For Medicare, you need legal authorization anytime you’re acting on behalf of a beneficiary. You can’t enroll another person in Medicare, a Prescription Drug Plan, or a Medicare Advantage Plan–even your spouse–unless…

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  Michigan MMAP clients seen starting March of 2019 may be subject to a quality improvement survey call. This is not a Medicare scam call! These surveys are funded by our national funder, the Administration for Community Living (ACL), and the surveys rotate through different states each year.  This year it is Michigan’s turn. Each…

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If you are nearing 65 and may be eligible for Medicare, you likely have questions about the coverage and benefits. MMAP has some answers for you! If you are still working and have insurance through your workplace, talk to your HR director at work first about how their plan works with Medicare. If you have…

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