Category Archives: News

Please explain more about the Medicare Current Beneficiary Survey (MCBS).

The Medicare Current Beneficiary Survey (MCBS) is a survey of people who currently have Medicare. It is used to provide feedback to the Centers for Medicare and Medicaid Services on how people get their health care, the rising cost of health care, and how satisfied people are with their care. The information is used to help CMS better understand the needs of Americans on Medicare.
You may be selected to be a part of the sample group of 16,000 individuals who are asked to participate in this survey each year. Letters from Medicare go out to potential participants in late summer explaining that someone from NORC at the University of Chicago will be in touch to set up an interview.
A professional interviewer will contact you in person or by phone to setup a visit. If you agree to participate in the study, the interview will take about one hour. Your participation in the survey is strictly voluntary.
Those selected to participate represent thousands of other people similar to them. If you are selected, literally no one else can take your place in the study. All of your information will be strictly confidential as prescribed by The Federal Privacy Act of 1974. Your participation is voluntary and your Medicare benefits cannot be affected in any way by the answers that you provide, or by whether or not you choose to participate.
If you are invited to participate and would like to verify your selection in this study, please contact NORC toll free at 1-877-389-3429. You can also visit the respondent website at www.mcbs.norc.org for more detailed information.
The Medicare Current Beneficiary Survey is important to the future of Medicare. Please consider helping in this national effort to improve your Medicare program.

New Medicare Cards to be Issued

Medicare will mail new Medicare cards to all Medicare beneficiaries between April 2018 and April 2019. Your new card will have a new number that’s unique to you using a combination of eleven letters and numbers, replacing your Social Security number. The new card will not change your coverage or benefits.
This change in ID numbers is required by a law enacted two years ago and will help to reduce identity theft. You do not need to take any action to get your new Medicare card. Until you receive a new card in the mail, you should take steps to protect your current card. Do not carry your Medicare card unless you are on your way to a health care appointment. Instead, make a copy and black out all but the last four digits.
Be wary that scammers may devise ways to take advantage of you during the transition to the new cards. Do not be fooled if someone calls or visits you demanding you allow them to switch out your card. Medicare will not send someone to your home or phone you asking for personal information such as your Medicare number. Other points to remember:
• Medicare does not email or visit homes unannounced to “update’ or “verify” data that it already has.
• Medicare will never threaten you with a loss of your benefits for not making an immediate change.
• If you receive a phone call about this, ignore that your caller-id may show that the call is from Medicare or CMS. This is likely a phony caller-id that helps the scammers look more believable.
• When in doubt, contact the Medicare helpline, available 24 hours a day, 7 days a week at 1-800-633-4227.

If you would like to learn more about Medicare, please join me for my class, Getting Started with Medicare. You will find a list of upcoming classes at www.mutskoinsurance.com/seminars. For all other questions on insurance, including life, health, dental, vision and Medicare Advantage plans, contact me at 440-255-5700. I look forward to helping you.

Getting the best buy on prescription drugs

Don’t automatically use your insurance for prescription drugs.  

Hundreds of commonly used generic medications can be purchased for as little as $10 for a three-month supply at grocery stores, major drugstores and club stores like Costco and Sam’s Club. You may find some drugs usually covered by your insurance might be less expensive if you pay cash instead using your insurance.

 

 

Oops! Did you miss the deadline?

I bet you have a hundred good reasons for missing the deadline to sign up for health insurance. But, regardless of why you did not sign up, if you are without health insurance after March 31st, you missed the deadline. You will likely be facing a fine for not having coverage and, you have missed your chance to purchase an Affordable Care Plan until the next open enrollment period begins in November.

Are there any exceptions?

In order to get Affordable Care coverage or make a change in your existing coverage outside the open enrollment period, you must have a qualifying life event. Qualifying life events include:

  • Getting married
  • Having, adopting, or placement of a child
  • Permanently moving to a new area that offers different health plan options.
  • For people already enrolled in Affordable Care coverage, having a change in income or household status that affects eligibility for tax credits or cost-sharing reductions.
  • Losing other health coverage due to a job loss, divorce, loss of eligibility for Medicaid or CHIP, expiration of COBRA coverage, or a health plan being decertified. Voluntarily quitting other health coverage or being terminated for not paying your premiums are not considered loss of coverage. Losing coverage that is not minimum essential coverage is also not considered loss of coverage.

Most special enrollment periods last 60 days from the date of the qualifying life event.

Enrollment for small businesses

Employers generally can start offering health insurance coverage to their employees at any time during the year.

Medicaid and CHIP: Enroll any time

You can enroll in Medicaid or the Children’s Health Insurance Program (CHIP) in your state at any time You can find out if you qualify for Medicaid or CHIP by filling out an Affordable Care application or going directly to your state Medicaid agency.

If you have a qualifying life event or are shopping for coverage for your small business, call me at 440-255-5700 to discuss your options. Let me help you choose the coverage that’s right for you.