Diabetes screenings, supplies, and training – Medicare has you covered

Diabetes affects millions of people – are you one of them? November is American Diabetes Month and a perfect time to find out about the supplies and self-management training that Medicare covers to help you manage your diabetes. Many people with diabetes don’t know that they have it – and Medicare covers screening tests so you can find out if you do.

If you’re at high risk for developing diabetes, Medicare covers up to two fasting blood glucose (blood sugar) tests each year. If your doctor accepts assignment, you pay nothing for these tests. You may be at high risk for diabetes if you’re obese, have high blood pressure, high cholesterol, or a family history of diabetes. Talk to your doctor to find out when you should get your free screening test.

If you have diabetes, Medicare covers many of your supplies, including test strips, monitors, and control solutions. In some cases, Medicare also covers therapeutic shoes if you have diabetic foot problems. You pay 20% of the Medicare-approved amount for these supplies.

Medicare also covers diabetes self-management training to help you learn how to better manage your diabetes. You can learn how to monitor your blood sugar, control your diet, exercise, and manage your prescriptions. Talk to your doctor about how this training can help you stay healthy and avoid serious complications.

Take control of your health – talk to your doctor today about screening tests and what supplies and training you may need for your health.

Medicare Open Enrollment: more is better

Going through the process of buying a new computer or tablet takes a bit of elbow grease, but when the salesman throws in free accessories and tech support, it’s worth it. Not only are the free accessories fun, but there’s a peace of mind knowing that the support you’ll need is free.

Extra benefits and peace of mind can be a big plus in health coverage, too.

You might be hearing a lot about the Health Insurance Marketplace this fall. That’s because the Marketplace Open Enrollment period overlaps with the Medicare Open Enrollment period. The Marketplace is designed to help people who don’t have any health coverage. If you have health coverage through Medicare, the Marketplace won’t have any effect on your Medicare coverage.

If you have Medicare, you’re not affected by the Marketplace, but you still get to enjoy extra benefits thanks to the Affordable Care Act like these:

Medicare also covers a yearly wellness exam each year. This is a great chance to sit down with your doctor and take the time to talk about your needs — and address small health concerns before they become big ones. You can keep track of your preventive services and get reminders for them at MyMedicare.gov.

Also, most people with Medicare have access to Medicare Advantage Plans, and many of these plans offer extra benefits that Original Medicare doesn’t cover like vision, hearing, dental coverage, prescription drugs, or extended coverage when you travel.

Just like deciding between a desktop, laptop, or tablet computer, only you know what extra benefits and services are most important for you and your family.

During Medicare Open Enrollment, decide what benefits are most important in helping you meet your unique health care needs. Use the Medicare Plan Finder to look at all of the health and drug plan options in your area.

Medicare Open Enrollment: shop around

In today’s world, we’re all a little more conscious of costs. Maybe we clip a few more coupons, eat out less, or compare ads to find the best price on something before we buy.

Cost is an important factor in any purchase, and health care is no different. We know you want to get the best value possible from your health care coverage. But you still need to make smart choices to get good value out of your health insurance.

There may be dozens of Medicare plans in your area, all with different costs and levels of coverage.How much are each plan’s premiums and deductibles? How much will you pay for the benefits and services you’re likely to use? Is there a limit on what you’ll have to pay out-of-pocket for the year?

Prescription drug coverage is another part of the cost puzzle. How much will your prescriptions cost under each plan?  Does the plan cover the drugs you take? Remember, thanks to the Affordable Care Act, everyone who reaches the Part D coverage gap (or “donut hole”) will benefit from a discount of more than 50% on covered brand-name drugs.

Only you can determine what mix of benefits and costs will work best with your needs and budget. Shopping around can make a huge difference, and we want to help.

The Medicare Plan Finder makes it easy to compare plans so you can pick a plan that meets your needs. After you’ve narrowed your options, you can call the plans you’re interested in to get more details about their benefits and services, or check out their websites.

Whether groceries, health insurance, phone plans or anything else, you want value for your dollar.  Make sure you have the most up-to-date information out there.

Medicare Open Enrollment: time to pick a plan

It’s picking season – pumpkins, apples, Halloween candy…and a Medicare health or drug plan. Today is the start of Medicare Open Enrollment!

Picking a plan is an important and personal decision. Now’s the time to think about what matters to you, and pick the Medicare plan that meets your needs. Here are some things to think about:

Does the plan cover the services you need?

Future health care needs can be hard to predict, but changes happen. Make sure you understand what services and benefits you’re likely to use in the coming year and find coverage that meets your needs. If you have other types of health or prescription drug coverage, make sure you understand how that coverage works with Medicare. And, if you travel a lot, does your plan cover you when you’re away from home?

No matter what plan you pick, you’ll have better choices and more benefits thanks to the Affordable Care Act like these:

What’s the cost?

The lowest-cost health plan option might not be the best choice for you – consider things like the cost of premiums and deductibles, how much you pay for hospital stays and doctor visits, and whether it’s important for you to have expenses balanced throughout the year.

How about convenience?

Your time is valuable. Where are the doctors’ offices? What are their hours? Which pharmacies can you use? Can you get prescriptions by mail? Do the doctors use electronic health records or prescribe electronically? Remember that even if you’re happy with your current plan, these answers might change from year to year.

Not all health care is created equal, and the doctors, hospitals and facilities you choose can impact your health. Open Enrollment is also a good time to ask yourself whether you’re truly satisfied with your medical care. Look for plans with a 5‑star performance rating — the right expertise and care can make a difference. The Medicare Plan Finder makes it easy to compare plans so you can pick a plan that meets your needs.

Open Enrollment only comes once a year – are you ready?

As the days get shorter and the nights get cooler, you can expect to hear more about Medicare. That’s because October 15 – December 7 is Medicare Open Enrollment, and it’s your chance to review your health care coverage and see if you need to make any changes, or if you’re happy sticking with the plan you have.

This year, you may hear a lot about the Health Insurance Marketplace. The Marketplace Open Enrollment period (October 1, 2013–March 31, 2014) overlaps with the Medicare Open Enrollment period (October 15–December 7, 2013). The Marketplace is designed to help people who don’t have any health coverage. If you have health coverage through Medicare, the Marketplace won’t have any effect on your Medicare coverage.

Over the next few months, look around – you’ll find a wealth of information about your Medicare benefits, especially in these everyday places:

1. In the mail

Look through your mail carefully — you may get important notices from your current plan, Medicare, or Social Security about changes to your coverage or any extra help you may get paying for prescription drugs.

Also look for your Medicare & You handbook. Like an old friend, it shows up around the same time every year. If you decided to “go paperless,” you’ll get an email pointing you to medicare.gov where you can get all the same information.

You’ll also start to see brochures from companies that offer Medicare health and drug plans. Just remember, be smart about protecting your personal information and your identity — plans aren’t allowed to call or come to your home without an invitation from you. And, it’s against the law for someone who knows that you have Medicare to sell you a Marketplace plan.

2.     On your computer

Comparing your plan choices is important. Our Medicare Plan Finder is ready with all of the 2014 cost information to make it as easy as possible. Enter the drugs you take to find out how you can lower your costs, review the plan’s ratings to compare plan quality, and join a plan right online if you find one that meets your needs. If you haven’t used the Plan Finder before, check out our video to help you get started.

3.     In newspapers, magazines, TV and radio

Take a moment as you enjoy these crisp mornings to tune into the Medicare information that’s out there. You may find a local event — somewhere right around the corner with counselors to help you, like your State Health Insurance Assistance Program. Don’t miss the chance to get personalized help if you need it!

Now’s the time to enjoy the choice and control you have over your health care coverage. Just like fall, Medicare Open Enrollment only comes once a year.

Protect yourself and those you love – get your free flu shot

It’s that time of year again.  With the beginning of fall comes the beginning of flu season. 

Get your flu shot early and stay healthy!  It’s free for people with Medicare, once per flu season in the fall or winter, when given by doctors or other health care providers (such as senior centers and pharmacies) that take Medicare.

Schedule your flu shot today!

When was your last mammogram?

Mammograms are breast cancer screening tests that can often detect a lump before you or your doctor can feel it. This can help detect breast cancer early, when it’s the most treatable. All women over 40 should have a screening mammogram every 12 months – and Medicare covers it at no cost if your doctor accepts assignment.

Talk to your doctor about risk factors, and to schedule your next screening. Take control of your health – better health is in your hands.