Category Archives: Uncategorized

Look who’s turning 65 in 2017

April 10 – Steven Seagal, actor

May 2 – Christine Baranski, actress

May 15 – Chazz Palminteri, actor

May 18 – George Strait, country music singer

May 21 – Mr. T, actor and professional wrestler

June 7 – Liam Neeson, actor

June 18 – Isabella Rossellini, actress, and Carol Kane, actress and comedian

June 20 – John Goodman, actor

July 1 – Dan Aykroyd, comedian and actor

July 17 – David Hasselhoff, Baywatch actor

Sept. 9 – Angela Cartwright, The Sound of Music actress

Oct. 22 – Jeff Goldblum, actor

Nov. 3 – Roseanne Barr, comedian and actress

Nov. 8 – Alfre Woodard, actress

Nov. 30 – Mandy Patinkin, actor, Homeland star

Are you insured through a Union or Former Employer?

If you are insured through a former employer or union please read all mail concerning your insurance coverage as soon as you receive it. Your dates for making changes may not be the same as Medicare’s open enrollment. Always talk to your benefits administrator before making changes because it can be difficult to get this type of coverage back once it is dropped.

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.

Coming down the home stretch for Affordable Care

We’re in the home stretch to sign up for insurance under the Affordable Care Act for this year. Open enrollment ends March 31 for most people.

Since young adults are notorious for waiting until the last minute, it should be no surprise that many have postponed signing up for health insurance. If you or someone you care about has not signed up yet, it’s time to get moving. Health Insurance can be one of the most important financial decisions a young person can make.

Young adults need to consider that all Affordable Care Plans provide coverage for the following ten essential health benefits, including:

  • Emergency services
  • Hospitalization
  • Laboratory tests
  • Maternity and newborn care
  • Mental health and substance-abuse treatment
  • Outpatient care
  • Pediatric services including dental and vision care
  • Prescription drugs
  • Preventive services and management of chronic diseases
  • Rehabilitation services

Without insurance, any of these medical needs can cause serious financial setbacks.

Young people need to know that the new Affordable Care Plans provide valuable, preventive care.

Screenings, mammograms and immunizations along with flu shots, smoking cessation programs, diet counseling, children’s’ services and much more are all covered.

Those who don’t sign up risk having to pay a penalty.

Those who choose to pay the penalty will receive nothing for it and will still be responsible for the full bill for any of their routine or emergency medical expenses. For the 2014 tax year, the penalty will be $95 per person or 1 percent of a household’s taxable income, whichever is greater, with the amount decreased by one-half for dependents under the age of 18.

Open Enrollment for the Affordable Care Act ends March 31st so time is running out to sign up. Call me at 440-255-5700 to discuss your options. Let me help you choose the coverage that makes the most sense for you.