Medicare Open Enrollment: 4 ways to protect your identity and information

  1. Guard your information.
  2. Be wary of giveaways.
  3. Don’t lend your identity.
  4. If you spot something, say something.

These are 4 simple ways to protect your identity and personal information from Medicare fraud, but they can be difficult to do if you’re caught off guard.

During Medicare Open Enrollment – between now and December 7 – you can expect to hear a lot about Medicare. 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. In fact, it’s against the law for someone who knows that you have Medicare to sell you a Marketplace plan.

Open Enrollment is a great time for you to review and compare your Medicare choices and make sure you have the coverage that fits your needs. Unfortunately, it’s also a popular time for Medicare fraud schemes.

Here are a few reminders to keep you safe from those who might not have your best interests in mind:

1.     Guard your Medicare and Social Security numbers – treat them like you’d treat your credit cards.

You’ll be hearing so much about Medicare during Open Enrollment, that it may not surprise you to get phone calls or visits to your house from people selling Medicare plans.

It’s illegal for someone to call and ask for your Medicare number, Social Security number, or bank or credit card information.  A Medicare representative or a private insurance plan working with Medicare will never call and ask for this information, and we will never call you or come to your home uninvited to sell Medicare products.   And remember, it’s against the law for someone who knows that you have Medicare to sell you a Marketplace plan.

2. Be suspicious of people offering free medical equipment or services.

Anyone who offers you free medical equipment or services and then requests your Medicare number is tricking you – if it’s really free, they don’t need your Medicare number. It’s illegal, and it’s not worth it!

3.     Don’t let anyone borrow or pay you to use your Medicare card or your personal information.

If someone asks you for your Medicare number, stop and think. If you wouldn’t feel comfortable giving that person your credit card number, don’t give them your Medicare number.

4. Most importantly, if you suspect Medicare fraud, let us know! Call 1-800-MEDICARE (1-800-633-4227).

Learn more at stopmedicarefraud.gov. Remember, a little preparation goes a long way. If you experience a Medicare fraud scheme – walk away, hang up, close the door, or say “no thanks.”

Caring for someone with Medicare? Get some help.

Did you know that  over 66 million Americans care for loved ones who have chronic illnesses, disabilities, or frailties that come naturally with old age?

November is National Family Caregiver Month – a perfect opportunity to reach out for help if you’re caring for someone with Medicare. If you’re a caregiver, here are 4 things you can do this month to help you help your loved one:

  1. Check out our caregiver resources, including our caregiver resource kit  and tips on how to take care of yourself.
  2. Make sure your loved one’s Medicare coverage still meets their needs. Medicare Open Enrollment is from now until December 7, and it’s important to take a few minutes to review coverage and pick a plan that works for your loved one.
  1. Learn how to reach out for help with AARP’s article on “Creating Your Caregiving Team” – a great reminder that caregiving is a big responsibility that no one should take on alone.
  2. Find resources near you by visiting the Administration on Aging’s Eldercare Locator.

BELIEVE in yourself… PROTECT your health… REACH OUT for help.

Medicare Open Enrollment: convenience matters

Have you ever pumped gas into your car from a station just around the corner from home even though it’s a bit more expensive than the one in town? Most of us have made decisions to do or not do something based on convenience.

The same is true when it comes to choosing a health plan: convenience matters. So in addition to cost, coverage, and benefits, here are some other things you may want to consider as you compare Medicare options this year:

Doctor and hospital choice

You want to be comfortable with the people you’re working with, especially when it comes to something as private as your health. Do the doctors you know accept your coverage? Where are the doctors’ offices? What are their hours? Do they often keep you waiting?

Pharmacy access

Is the pharmacy you use included in your drug plan’s network?  Do they use e-prescribing? Can you get refills by mail? Remember that plan networks can change from year to year. If it’s important to you to stay with the same pharmacy, it’s worth checking to make sure they’ll still be in your plan’s network.

Travel

Maybe you travel a lot, or spend part of the year in a different state. If you do, make sure you know whether your coverage will travel with you.

Quality

Ask yourself whether you’re truly satisfied with your medical care. Not all health care is created equal, and the doctors, hospitals and facilities you choose can impact your health. Look for plans with a 5‑star performance rating — the right expertise and care may help speed your recovery and improve your outcomes.

Your time is valuable — and so is your health. Only you know what mix of coverage and convenience is most important to you and your family.

We’re working hard to make sure you have choices in the way you get the Medicare benefits you’ve earned – and we want you to be comfortable. Use the Medicare Plan Finder to look at all of the health and drug plan options in your area.

Celebrating 30 years of Hospice care

November 2013 marks the 30th anniversary of Medicare coverage for Hospice care. That’s right, for 30 years Medicare has covered hospice care, so that those who are terminally ill can spend the last moments of their lives with dignity and comfort, among their loved ones.

Hospice is a program of care and support for people who are terminally ill. The focus is on comfort and support, not on curing an illness. Hospice care is generally provided in the home, by a specially trained team of professionals and caregivers. Services may include physical care, counseling, drugs, equipment, and supplies for the terminal illness and related condition(s).

For more information about hospice, you can visit Medicare.gov. To find a hospice program, talk to your doctor or call your state hospice organization.

Here’s to 30 more years of providing the comfort, care, and support that you and your family deserve during this difficult time.

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.