By Shantanu Agrawal, M.D., Deputy Administrator and Director, Center for Program Integrity
Fight health care fraud: guard your Medicare number!
The next Medicare Open Enrollment season (October 15 to December 7) is almost here, which means fraudsters and identity thieves will increase their efforts to get and abuse Medicare numbers from people like you.
Fortunately, there are many measures you can take to fight health care fraud:
- Guard your Medicare number. Protect it the same way you do for your credit card numbers. Medicare will never contact you for your Medicare number or other personal information. Don’t share your Medicare number or other personal information with anyone who contacts you by phone, email or by approaching you in person, unless you’ve given them permission in advance.
- Don’t ever let anyone borrow or pay to use your Medicare number.
- If you’re looking to enroll in a Medicare plan, be suspicious of anyone who pressures you to act now for the best deal. There are no “early bird discounts” or “limited time offers”. Any offer that sounds too good to be true probably is.
- Be skeptical of free gifts and free medical services. A common ploy of identity thieves is to say they can send you your free gift right away—they just need your Medicare number to confirm. Decline politely but firmly. Remember, it’s not rude to be shrewd!
- Do your part to protect your friends and neighbors: remind them to guard their Medicare numbers, too.
- Check your Medicare Summary Notice (MSN) to make sure you and Medicare are only being charged for services you actually had. Instead of waiting for the MSN, which comes in the mail every 3 months, you can access your Original Medicare claims at MyMedicare.gov. You’ll usually be able to see a claim within 24 hours after Medicare processes it.
You can report suspected fraud by calling 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048. To learn more about how to protect yourself from health care fraud, visit Medicare.gov or contact your local Senior Medicare Patrol (SMP). To find the SMP in your state, go to the SMP Locator at Smpresource.org.
Women have unique health concerns, including certain types of cancers and high rates of chronic disease. Medicare covers many services to address these concerns, like a yearly wellness visit, bone mass measurement, cervical cancer screenings, mammograms, and cardiovascular screenings. Medicare also covers other preventive services, so talk to your doctor about risk factors and to schedule your next screening.
Did you know ovarian cancer accounts for about 3% of cancers among women, but it causes more deaths than any other cancer of the female reproductive system? Early diagnosis is the key to survival, and the key to early diagnosis is recognizing the symptoms of ovarian cancer:
- Pelvic or abdominal pain
- Trouble eating or feeling full quickly
- Urgency or frequency of urination
Currently there’s no effective screening test for ovarian cancer, and it can be very hard to identify ovarian cancer early. The signs and symptoms of ovarian cancer aren’t always clear and may be hard to recognize. It’s important to pay attention to your body and know what’s normal for you. If you notice any changes in your body that last for 2 weeks or longer and may be a sign or symptom of ovarian cancer, talk to your doctor and ask about possible causes. Symptoms may be caused by something other than cancer, but the only way to know is to see your doctor, nurse, or other health care professional.
Make sure to ask your doctor about your level of risk for ovarian cancer at your “Welcome to Medicare” visit or your next Yearly “Wellness” visit.
September is National Ovarian Cancer Awareness Month, a perfect time for you to learn more about this disease and know the symptoms. Visit the Centers for Disease Control for more information on ovarian cancer.
Did you know you can read the red, white and blue “Medicare & You handbook” right on your smart phone, computer or tablet?
Visit Medicare.gov to find all of the same information online you’re used to seeing in your printed handbook. Learn what’s new, get Medicare costs, and find out what Medicare covers. Even better, we update the handbook information on the web regularly, so you can instantly find the latest Medicare information.
You can also do a lot of things on your own at Medicare.gov—like replace your Medicare card, change your address, sign up or make changes to your Medicare coverage, and find out important dates—all before October 15, the start of Medicare Open Enrollment.
Take advantage of some other great features to get just what you need:
Want to trade in your printed copy for a paperless version? Choose to get your next “Medicare & You” handbook electronically by using the “go paperless” option. In a few simple steps, you’ll be all set. Sign up today, and we’ll send you an email including a link to the new online Medicare & You. It’s instant, current, and convenient.
Also, check out our video for a brief look at some of the features you’ll find at Medicare & You on the web.
If you’re enrolled in Medicaid and will soon have Medicare eligibility, it’s not too soon to start planning ahead. Once Medicare eligibility begins, you’ll have a 7 month Initial Enrollment Period to sign up. For most people, this is 3 months before, the month of, and 3 months after their 65th birthday.
Once you have Medicare and Medicaid coverage, Medicare will cover your Part D prescription drugs and you’ll automatically qualify to get Extra Help paying for your drug costs. If you have limited income and resources, you may also qualify for help paying for your Medicare Part B premium and other Medicare costs, like deductibles and coinsurance. Medicare and your state Medicaid program work together to provide you with this help, called the Medicare Savings Programs.
The 4 Medicare Savings Programs (MSPs)
If you have income from working, you may qualify for these 4 MSPs, even if your income is higher than the income limits listed below. Each program has a different income and resource eligibility limit. Even if you don’t qualify for Medicaid, you may qualify for one of these programs to help you cover your Medicare costs.
How do I apply for Medicare Savings Programs?
If you answer yes to these 3 questions, call your State Medicaid Program to see if you qualify for a Medicare Savings Program in your state:
- Do you have, or are you eligible for, Part A?
- Is your monthly income for 2015 at, or below, $1,333 (single) or $1,790 (married or living together)?
- Do you have limited resources, less than $7,160 (single) or $10,750 (married or living together
It’s important to call or fill out an application if you think you could qualify for savings—even if your income or resources are higher than the amounts listed here.
What items are included in the Medicare Savings Program resource limits?
Countable resources include:
- Money in a checking or savings account
Countable resources don’t include:
- Your home
- One car
- Burial plot
- Up to $1,500 for burial expenses if you have put that money aside
- Other household and personal items
How can I keep my costs down?
Did you know that 900,000 Americans get pneumonia every year? Pneumonia is a lung infection caused by pneumococcal disease, which can also cause blood infections and meningitis. The bacteria that causes pneumococcal disease is spread by direct person-to-person contact.
Medicare can help protect you from pneumococcal infections. The best way to prevent these infections is by getting the pneumococcal shot. Medicare Part B covers the shot and a second one 11 months after you got the first shot for anyone with Part B.
You may be at a higher risk for these infections if you:
- Are 65 or older
- Have a chronic illness (like asthma, diabetes, or lung, heart, liver, or kidney disease)
- Have a condition that weakens your immune system (like HIV, AIDS, or cancer)
- Live in a nursing home or other long-term care facility
- Have cochlear implants or cerebrospinal fluid (CSF) leaks
- Smoke tobacco
You can learn more about Medicare-covered vaccines by watching our video. Take an easy step towards prevention, and get your pneumococcal shot today.
Hepatitis – “inflammation of the liver” – is often caused by viruses which affect millions of people worldwide and kill close to 1.4 million people every year.
Hepatitis is contagious. For example, the Hepatitis B virus spreads through contact with the blood or other body fluids of an infected person. People can also get infected by coming in contact with a contaminated object, where the virus can live for up to 7 days. Hepatitis B can range from being a mild illness, lasting a few weeks (acute), to a serious long-term illness (chronic) that can lead to liver disease or liver cancer.
Fortunately, Medicare can help keep you protected from the most common types of viral hepatitis strains—Hepatitis A, Hepatitis B and Hepatitis C.
Generally, Medicare Part D (prescription drug coverage) covers Hepatitis A shots when medically necessary.
Medicare Part B (Medical Insurance) covers Hepatitis B shots, which usually are given as a series of 3 shots over a 6-month period (you need all 3 shots for complete protection).
Medicare covers a one-time Hepatitis C screening test if your primary care doctor or practitioner orders it and you meet one of these conditions:
- You’re at high risk because you have a current or past history of illicit injection drug use
- You had a blood transfusion before 1992, or
- You were born between 1945 and 1965
July 28 is World Hepatitis Day. Worldwide 400 million people are living with Hepatitis B or Hepatitis C. Find out how you can prevent hepatitis and save 4,000 lives a day by visiting the World Health Alliance’s World Hepatitis Day web page.
Did you know Medicare and Medicaid turn 50 this week? The landscape of health care in America changed forever on July 30, 1965, when President Lyndon B. Johnson signed the landmark amendment to the Social Security Act, giving life to the Medicare and Medicaid programs. Medicare and Medicaid save lives. They help people live longer and provide the peace of mind that comes with affordable health care that’s there when you need it.
It’s easy to forget that before 1966, roughly half of all seniors were uninsured and many disabled people, families with children, pregnant women and low-income working Americans were unable to afford the medical care they needed to stay healthy and productive.
Today, Medicare and Medicaid cover nearly 1 out of every 3 Americans—that’s well over 100 million people. It’s highly likely that you, someone in your family or someone you know has Medicare, Medicaid or both. Celebrating the 50th anniversary of these lifesaving programs lets us reflect on how they transformed the delivery of health care in the United States.
More than 55 million Americans depend on Medicare to cover hospital stays, lab tests and critical supplies like wheelchairs, as well as prescription drugs. Medicare also covers 23 types of preventive services, including flu shots and diabetes screenings. Some of these services are free, and for others you only have a small copayment or pay the deductible.Medicaid provides comprehensive coverage to more than 70 million eligible children, pregnant women, low-income adults and people living with disabilities. It covers essential services like annual check-ups, care for new and expecting mothers, and dental care for kids from low-income families.
How has Medicare or Medicaid (or both) helped your life or the life of someone you care about? Whether you’ve just enrolled or have been covered for decades, we’d love to hear from you. You can share your Medicare or Medicaid story through our Medicare.gov website, or connect with us on Twitter or our newly-launched Facebook page.