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Threatening A Loss Of Coverage

GoMedicare Benefits HelpCenter TV Commercial: ‘You May Qualify’

This scam usually begins with a senior receiving a call that says they must have a prescription drug coverage plan or they will lose their other Medicare benefits. If the senior doesnt purchase a plan during enrollment time, then their Medicare benefits will be terminated. Of course, this caller claims to offer just the right Rx plan for the senior to increase their coverage and safeguard their benefits.

Sound a little too good to be true? Thats because it is. If someone says you must join a plan or buy some sort of coverage to avoid losing your other Medicare benefits, its a scam. The Medicare prescription drug benefit is an entirely optional addition to your coverage under Original Medicare . The same goes for Medigap policies.

Covered California And Medicare

Transitioning from Covered California to Medicare is an important step. Make sure you take action and keep track of important dates and deadlines to avoid unwanted consequences.

In general, people who are eligible for Medicare even if they do not enroll in it arent eligible to receive financial help to lower the cost of a Covered California health plan.

People who are eligible for Medicare must report their Medicare eligibility to Covered California within 30 days and will usually need to cancel their Covered California. Your Covered California plan wont be automatically canceled when you become eligible for Medicare, even if you enroll in a Medicare plan with the same insurance company. You must cancel your plan yourself at least 14 days before you want your coverage to end by contacting Covered California.

If you are eligible for Medicare and you keep your Covered California plan, you may face serious consequences. For example:

  • You may have to pay back all or some of your premium tax credits to the Internal Revenue Service .
  • Or, there could be a delay in your Medicare coverage start date. If you dont sign up for Medicare Part B during your initial enrollment period, you will have to wait for the general open enrollment period , and then your coverage wouldnt begin until July of that year.
  • In addition, you may have to pay lifetime penalties for late enrollment in Medicare and your premiums may increase by 10 percent or more.

Facts About The Medicare Give Back Benefit

If you’re looking to maximize your savings while on Medicare, you may be wondering, what is the Medicare give back benefit? This benefit is not an official Medicare program, but rather a colloquial name for a Medicare Part B premium reduction included in some Medicare Advantage plans. Whether you receive this reduction depends on the conditions of the plan that you choose and a few other factors. Read on for three facts about this benefit.

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Can I Enroll In Gomedicare Benefits Whenever I Want

Most people can enroll in Medicare Part A, Part B, Part C, or Part D for seven months, starting three months before their 65th birthday, the month of their 65th birthday, and nine months after their 65th birthday.

Particular Enrollment Period

A number of life events, including B, could qualify you for benefits. An increase or decrease of current coverage. You usually have two months in which to register.

GoMedicare Part C & D Annual Enrollment Period

The first week of October through the seventh week of December. The current Medicare population can take this opportunity to review their Medicare Advantage and Prescription Drug policies. First-time Part A or Part B registration cannot be done through the AEP. Upon registration, insurance coverage begins on January 1.

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Medicare General Enrollment Period

Each year, from January 1 to March 31. Medicare Part B is usually provided when one applies for Medicare at Go Medicare, but this time is provided to those who did not request Part B when they first qualified for Medicare. Coverage begins on July 1 following application.

Medicare Advantage Open Enrollment Period

Pros Of Gomedicare Benefits

Medicare.gov on Twitter: " With your #mySocialSecurity account, you can ...

The only good thing about GoMedicare Benefits is comparing pricing and coverage on plans from multiple companies. This allows shoppers to work with a licensed insurance agent to compare quotes and plans. The problem is the insurance agent might only represent one carrier and will not be getting you the best deal tailored for you.

When comparing plans, pay special attention to the premium rates, of course. Still, the projected out-of-pocket expenses are where you can paint a complete picture of what that plans actual cost entails, such as coinsurance and copayments.

However, this information is entirely useless without knowing the ins and outs and whats best at the best price, and if its available in your state.

You may already know that Original Medicare is hospital insurance and medical insurance that our federal government manages and regulates.

Original Medicare will compare Medicare supplement plans and the prescription drug coverages . These Medicare supplement insurance plans or Medigap plans help to control your out-of-pocket costs provided by private insurers for Medicare beneficiaries and are called Medicare Advantage Plans .

Medicare Advantage plans cover the same services as your Original Medicare and offer qualifying Medigap insurance plans and prescription drug coverage plans.

The purpose of these GoMedicare Benefits TV commercials is to get you to act fast, so buyer beware.

The Best Advice is to

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We Find Medicare Supplement Plans That Are Right For You

We DO NOT go for the quick sale because we are too busy educating and servicing our participants regarding their Medicare supplement plans. As a result, most of our participants have been referred to us by our existing clients. Therefore, our participants remain in their Medicare Supplement plans, or Medicare Advantage coverage with us far longer than average. Our participants trust our guidance because we take the time to explain ALL of your options and whether your physicians participate with your plan.

Who Is Eligible For Medigap

A person is eligible if they are:

  • covered under Medicare Parts A & B
  • within 6 months of turning 65
  • within 6 months of receiving Part B coverage
  • about to lose your group health insurance plan

For more information, or if you have any questions, feel free to call Larry Belt at 248-741-7126 or 1-877-777-5260.

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Before You Call The Medicare Phone Number

Before calling 1-800-MEDICARE, have your Medicare card ready in case the representative needs to know your Medicare number. If you are calling with a question about a claim or a bill, have the bill or the Explanation of Benefits handy for reference.

It can also be helpful to keep a pen and paper ready to write down any important information your Medicare representative may share, such as additional phone numbers, dollar amounts, dates and more.

Already Enrolled In Medicare

Medicare & You: Medicare’s Preventive Benefits

If you have Medicare, you can get information and services online. Find out how to .

If you are enrolled in Medicare Part A and you want to sign up for Part B, please complete form CMS-40B, Application for Enrollment in Medicare Part B . If you are applying for Medicare Part B due to a loss of employment or group health coverage, you will also need to complete form CMS-L564, Request for Employment Information.

You can use one of the following options to submit your enrollment request under the Special Enrollment Period:

  • Fax or mail your CMS-40B, CMS-L564, and secondary evidence to your local Social Security office .
  • Note: When completing the forms CMS-40B and CMS-L564:

    • State I want Part B coverage to begin in the remarks section of the CMS-40B form or online application.
    • If possible, your employer should complete Section B.
    • If your employer is unable to complete Section B, please complete that portion as best as you can on their behalf and submit one of the following forms of secondary evidence:
      • Income tax form that shows health insurance premiums paid.
      • W-2s reflecting pre-tax medical contributions.
      • Pay stubs that reflect health insurance premium deductions.
      • Health insurance cards with a policy effective date.
      • Explanations of benefits paid by the GHP or LGHP.
      • Statements or receipts that reflect payment of health insurance premiums.

    Some people with limited resources and income may also be able to get .

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    Cant I Find All This Information Through Government Websites

    Learning the ins and outs of Medicare is no easy task. While Medicare.gov provides an extensive reference book, there is no real how-to when it comes to what is best for you and your lifestyle.

    Thats where we come in to simplify Medicare! We use our 20+ years of industry knowledge and offer you the confidence of knowing youre getting everything youre entitled to, without the headache.

    Medicare And What It Covers

    Medicare shouldnt be thought of as a single program its made up of several parts that provide coverage for different types of services.

    Medicare Part A, also known as hospital insurance, covers inpatient hospital stays, care in a skilled nursing facility, hospice care and some home health services. Medicare Part A is usually free if you or your spouse paid Medicare payroll taxes for approximately ten years while working . If you dont qualify for premium-free Part A, you may have the option to pay for hospital insurance, also called premium Part A.

    Medicare Part B, also known as medical insurance, covers certain doctors services, outpatient care, medical supplies and preventive services. Medicare Parts A and B combined is also known as Original Medicare.

    Medicare Part D, also known as prescription drug coverage, can be added to Original Medicare.

    Instead of purchasing Original Medicare, some people choose to buy a Medicare Advantage plan, which is Medicare Part C. Medicare Advantage covers hospital and medical insurance, and usually also covers prescription drugs.

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    Unitedhealthcare Senior Care Options Plan

    UnitedHealthcare SCO is a Coordinated Care plan with a Medicare contract and a contract with the Commonwealth of Massachusetts Medicaid program. Enrollment in the plan depends on the plans contract renewal with Medicare. This plan is a voluntary program that is available to anyone 65 and older who qualifies for MassHealth Standard and Original Medicare. If you have MassHealth Standard, but you do not qualify for Original Medicare, you may still be eligible to enroll in our MassHealth Senior Care Option plan and receive all of your MassHealth benefits through our SCO program.

    The State Health Insurance Assistance Program

    Medicare Choices: End Your Confusion Here

    The State Health Insurance Assistance Program is a free health benefits counseling service for Medicare beneficiaries. Our mission is to empower, educate, and assist Medicare-eligible individuals, their families, and caregivers through objective outreach, counseling and training, to help individuals make informed health insurance decisions that optimize access to care and benefits. SHIP is an independent program federally funded by the Administration for Community Living and is not affiliated with the insurance industry.

    If you have Medicare and have limited income and resources, you may be able to get help paying for your Medicare monthly payment. You may also qualify for assistance with Medicare prescription drug costs, doctor and hospital visits.

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    Questions & Answers About Smp

    What do I do if I have been scammed?If you have detected suspicious or erroneous activity on your Medicare Summary Notice or Part D Explanation of Benefits, you should contact your provider or plan. If you are not comfortable calling your provider or plan or you are not satisfied with the response you get, call your local Arizona SMP Helpline at 1-800-432-4040.

    How do SMPs prevent health care fraud?SMPs conduct outreach in their communities by presenting to groups, hosting exhibits and community events, providing one-on-one counseling, and answering calls to the SMP help lines. SMP volunteers also help Medicare and Medicaid beneficiaries who are unable to address fraud by themselves, and, if necessary, SMPs will refer beneficiaries to outside organizations that can investigate.

    How can I protect myself against Medicare fraud?Protect your personal information. Dont give sensitive information to someone you dont know. Your Social Security, Medicare, and bank account numbers can be used to defraud you. You also should avoid sending personal information on the phone or over an unsecure Internet connection. Never purchase items from a website that youve found from and e-mail link. If you know the name of an organization you want to do business with, go to the website on your own.

    How can I detect fraud and identify errors?Here are a few simple steps you can take to detect possible fraud.

  • Look for three things on your billing statement:
  • Charges for something you didnt get,
  • How To Apply Online For Just Medicare

    Are you within three months of turning age 65 or older and not ready to start your monthly Social Security benefits yet? You can use our online retirement application to sign up just for Medicare and wait to apply for your retirement or spouses benefits later. It takes less than 10 minutes, and there are no forms to sign and usually no documentation is required.

    To find out what documents and information you need to apply, go to the .

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    Whos Eligible For Gomedicare

    Medicare eligibility is determined by whether you meet one of the conditions listed below:

    • It is not enough to be a US citizen or a permanent resident of the United States. You must also have lived in the United States continuously for at least five consecutive years.
    • You are 65 years old and have worked long enough to qualify for Social Security or railroad retirement benefits, typically earning 40 credits over about ten years of work, even if you are not yet receiving those benefits Where.
    • As a government employee or retired person who did not pay Social Security taxes but paid Medicare payroll taxes, you are not responsible for paying Social Security.

    Find A $0 Premium Medicare Advantage Plan Today

    Medicare in 2022: What to know before you enroll

    For California residents, CA-Do Not Sell My Personal Info, .

    MedicareAdvantage.com is a website owned and operated by TZ Insurance Solutions LLC. TZ Insurance Solutions LLC and TruBridge, Inc. represent Medicare Advantage Organizations and Prescription Drug Plans having Medicare contracts enrollment in any plan depends upon contract renewal.

    The purpose of this communication is the solicitation of insurance. Callers will be directed to a licensed insurance agent with TZ Insurance Solutions LLC, TruBridge, Inc. and/or a third-party partner who can provide more information about Medicare Advantage Plans offered by one or several Medicare-contracted carrier. TZ Insurance Solutions LLC, TruBridge, Inc., and the licensed sales agents that may call you are not connected with or endorsed by the U.S. Government or the federal Medicare program.

    Plan availability varies by region and state. For a complete list of available plans, please contact 1-800-MEDICARE , 24 hours a day/7 days a week or consult www.medicare.gov.

    Medicare has neither reviewed nor endorsed this information.

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    Your Plan Could Change Its Premiums

    The official U.S. government website for Medicare reports that, even though private insurers must follow Medicare’s rules for coverage in their Medicare Advantage plans, they each individually set the fees they charge for premiums, deductibles, and services.

    Each private insurer offering Medicare Advantage plans can alter the fees associated with their plans once a year. This means that your plan could offer a reduction in your Part B costs one year, and then change it the next.

    These changes can only take place once a year, on January 1. Be sure to review any alterations to your plan after this date.

    Unitedhealthcare Connected General Benefit Disclaimer

    This is not a complete list. The benefit information is a brief summary, not a complete description of benefits. For more information contact the plan or read the Member Handbook. Limitations, copays and restrictions may apply. For more information, call UnitedHealthcare Connected® Member Services or read the UnitedHealthcare Connected® Member Handbook. Benefits, List of Covered Drugs, pharmacy and provider networks and/or copayments may change from time to time throughout the year and on January 1 of each year.

    You can get this document for free in other formats, such as large print, braille, or audio. Call Member Services, 8 a.m. – 8 p.m., local time, Monday – Friday . The call is free.

    You can call Member Services and ask us to make a note in our system that you would like materials in Spanish, large print, braille, or audio now and in the future.

    Language Line is available for all in-network providers.

    Puede obtener este documento de forma gratuita en otros formatos, como letra de imprenta grande, braille o audio. Llame al Servicios para los miembros, de 08:00 a. m. a 08:00 p. m., hora local, de lunes a viernes correo de voz disponible las 24 horas del día,/los 7 días de la semana). La llamada es gratuita.

    Puede llamar a Servicios para Miembros y pedirnos que registremos en nuestro sistema que le gustaría recibir documentos en español, en letra de imprenta grande, braille o audio, ahora y en el futuro.

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    Choosing Plans To Benefit You The Most

    Many Decisions to make for Expanded Coverage in your Medicare Advantage Plan. Recommend that you consider talking to a broker or consultant to go through every detail with you before you commit to enabling the best coverage for the money and peace of mind for you and your family.

    Important Considerations

    Find a list of Medicare Advantage Plans that are in your coverage area.

    Choosing the Best Type of Plan

    • Special Needs Plans

    Unitedhealthcare Connected For Mycare Ohio

    Drug Cost

    UnitedHealthcare Connected® for MyCare Ohio is a health plan that contracts with both Medicare and Ohio Medicaid to provide benefits of both programs to enrollees. If you have any problem reading or understanding this or any other UnitedHealthcare Connected® for MyCare Ohio information, please contact our Member Services at from 7 a.m. to 8 p.m. Monday through Friday for help at no cost to you.

    Si tiene problemas para leer o comprender esta o cualquier otra documentación de UnitedHealthcare Connected® de MyCare Ohio , comuníquese con nuestro Departamento de Servicio al Cliente para obtener información adicional sin costo para usted al de lunes a viernes de 7 a.m. a 8 p.m. .

    This is not a complete list. The benefit information is a brief summary, not a complete description of benefits. For more information contact the plan or read the Member Handbook. Limitations, copays, and restrictions may apply. For more information, call UnitedHealthcare Connected Member Services or read the UnitedHealthcare Connected Member Handbook. Benefits, List of Covered Drugs, pharmacy and provider networks and/or copayments may change from time to time throughout the year and on January 1 of each year.

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