Can You Be Turned Down for a Medicare Supplement Plan?
The short answer is yes, except during your Medicare Supplement Open Enrollment period, which starts the first day you are enrolled in both Parts A and B of Original Medicare and ends six months later. Outside of this period, Medigap plans are allowed to use medical underwriting and deny you coverage or increase your premium if you have pre-existing health conditions.
Do I Have to Wait for Coverage?
Even if you enrolled during the open enrollment period, you can be denied coverage for pre-existing conditions for up to six months.
If you are on Medicare, you probably spend an average of $581 per year, out-of-pocket on your prescription drugs, over and above your Part B premiums and any Medicare Advantage, Medigap, or prescription drug plan premiums that you pay. For some, it can be much more.
87% of adults aged 65-79 use prescription drugs, and the average number prescribed per person is 20.
How can you save? Medicare Advantage and Medicare Part D plans are required to provide a mail-order pharmacy option. When you use mail order, you are avoiding a retail pharmacy, prices are generally somewhat lower than in-person pharmacy service, but not always: it depends on the plan and the drug in question.
If you compare the full retail pharmacy price, using a discount card like GoodRx versus the mail-order cost, you may occasionally find that using the discount card is cheaper.
Another option has recently become available…
Billionaire Mark Cuban has started a mail-order pharmacy called CostPlusDrugs.com. Around 100 generic medications are available from this site, all at cost plus a 15% markup. You may find that the price from this site, assuming your drug is available, is far less than the mail-order price with your Medicare Advantage or prescription drug plan. New drugs will be added each month. At present, the plan is to offer only generics, but this may change. You can check if a generic is available for your prescription drug by asking your doctor’s office or googling “generic for name-of-prescription drug.” Currently, CostPlusDrugs.com does not accept insurance to keep administrative costs down. This may change in the future.
If you are considering ordering from other mail-order pharmacies, Blink Health has been rated best, it accepts most insurances and is available 24/7. Blink has most drugs available in addition to generics.
More than ever now, it pays to shop around for your prescriptions, as it true with so much else.
Medicare covers almost no dental services. Not exams. Not cleaning. Not dentures. Not drilling. Not filling. Zip. Zero. Nada. The exceedingly rare situations in which Medicare covers dental services are those in which dental services are an integral part of care for a non-dental problem, such as a jaw injury or bone cancer.
That being said, the only way that you will obtain dental services under Medicare is to enroll in a Medicare Advance Plan that offers dental services as an extra benefit or enroll in a dental plan for seniors on Medicare. With Medicare Advantage Plans, precisely because they are an extra benefit, they tend to be limited, but some coverage is certainly better than none. Coverage in separate dental plans may be more generous.
Because both Medicare Advantage Plans and dental plans for seniors on Medicare are both private businesses not affiliated with the federal government, you must deal with a Medicare agent in order to get them. The Social Security office or Medicare can only refer you to an agent if you have questions about these plans.
When Can I Enroll?
For Medicare Advantage Plans that offer dental services as an extra benefit, your Original Enrollment period starts the third month before your 65th birthday and runs for seven months. There is also an open enrollment period from January 1 to March 31 of each year. You also have a special enrollment period if you lose coverage because your plan shut down, or stopped offering services in your area, you lost employer-provided insurance that you were using as evidence of creditable coverage, you were given wrong information about enrollment by a Federal employee, and a few other situations.
Open enrollment for stand-alone dental plans for seniors is usually year-round, but this may vary in some states and localities. Again, your Medicare insurance agent is your best source here; Medicare cannot help you.
How Much Does It Cost?
As with American health care in general, prices vary widely and wildly. Premiums for Medicare Advantage Plans with dental services range from $0 per month to around $100 per month; premiums for stand-alone dental plans range from $0 to $100 per month. That being said, why, you may ask, does not everyone pick the zero-premium plans? The answer is coverage. You get what you pay for, and higher-cost plans generally, but not always, offer lower deductibles and copayments and a wider range of services.
About half of adults on Medicare do not have dental coverage. It is not advisable to be one of them.
The short answer is yes. If ground or air ambulance transport is medically necessary, Medicare will pay to transport you to the nearest facility that can provide the needed services. Services are provided under Part B. If you do not have Part B, Medicare will not pay.
The Part B deductible, which is $233 in 2022, applies. After that, you pay 20% of the Medicare-approved charges.
Most of the time when ambulance transport is necessary, it is obvious. In cases where it is not, your doctor can provide a certification that it is needed. For example, a dialysis patient may need ambulance transport to a dialysis center.
What If There’s a Question?
If the ambulance service doubts that you meet the definition of medical necessity, they are required to give you a notice that Medicare may not pay. This is called an Advanced Beneficiary Notice of Non-coverage. It is given if you requested an ambulance in a clearly non-emergency situation or the company believes Medicare will not pay. (The fact that you received such a notice, alone, does not mean that Medicare will not pay; this is determined later.)
Are There Special Situations?
Yes. If you live in the states of Delaware, the District of Columbia, Maryland, New Jersey, North Carolina, South Carolina, Virginia, or West Virginia, and you use non-emergency ambulance services more than three times in a ten-day period or once a week for three weeks or more, the company may request a pre-authorization before providing services. If the pre-authorization request is not approved, Medicare will not pay for the services.
One of the greatest things about reaching retirement is having the time, freedom, and flexibility to do what you want, or what you always dreamed of. For a lot of today’s seniors, that includes traveling – both around the country and around the world.
But while jet setting around the globe can bring a sense of adventure and perspective that few other experiences can match, it’s not always as simple as going to your favorite travel website and picking a package that looks great. To truly get the most out of the experience, and your money, takes a little bit of planning and preparation.
Luckily, we have taken tips and advice from seniors, travel writers, and other experts who want to see you hit the road in style. And so, we offer you great travel tips, suggestions and advice that can help you enjoy every phase of your vacation, whether you’re headed just across the border or halfway around the world.
21 Expert Travel Tips
Each travel tip is practical and easy to use, and they are all designed specifically for seniors and retirees just like you, so use them to plan your next trip… and don’t forget to enjoy the journey!
1. Shop Around…Seniors should always be able to get Discounts
No matter where you want to go, there are going to be dozens, if not hundreds, of options for you to choose from when it comes to booking your trip. Although many of us have a favorite travel site, airline, or other vendor, it pays to look around and be sure you’re getting the best deal possible.
As you do, be sure to study the details. Does one package have longer flights or a better room? What do the layovers look like, and what sort of points or rewards can you earn from your travel? Are there places where you can find the same hotel for a lower price?
These are good questions for any traveler to ask, but especially important for seniors, who may be eligible for certain types of discounts, either through the travel companies themselves or other organizations (like the AARP) that have standing agreements with a lot of groups.
2. Make sure you get Travel Insurance
Usually, when you book your trip you’ll be given the option to purchase travel insurance that covers baggage loss, medical expenses while you’re out of the country, and even the price of your flight and hotel if you are forced to cancel your vacation or come back early. Given that these are usually inexpensive, it’s a good idea to take the insurance unless you’re absolutely certain you’re covered in some other way.
The reason is simple: Like the other forms of insurance that seniors rely on, travel insurance turns out to be an incredibly good value at the moment you realize you need it.
If things go perfectly on your trip, and you never need your travel insurance, then that’s a great thing. But having it in place keeps you protected, and can help you enjoy your trip even more by giving you the peace of mind that comes with having it.
3. Avoid Hidden Travel Fees
Many seniors assume that their cell phones, credit cards, and other personal items won’t work when they’re out of the country. Rest assured that most of them will… just at a massively inflated fee. To avoid paying them, you need to find out what services are available, and at what costs, before you leave home.
Take the time to investigate things like international calling plans and currency exchange fees with your wireless carrier and bank a few weeks ahead of your trip. If you explain where you’re going, and for how long, the companies you already work with can probably set you up on something that will meet your needs for a modest fee. Wait until you’ve already left, however, and you might be in for a nasty surprise.
If you’ve never had the joy of finding out that a quick phone call made to relatives back home cost you $40 on your international roaming plan, then you probably can’t truly appreciate the wisdom of this suggestion. Take our word for it and avoid hidden travel fees before your trip, because it’s going to save you a lot of stress and money later.
4. Write down your Travel Plans
Once you have chosen a vacation package, decided where to go and what to see, and so on, then it’s time to put it all into writing. As much fun as it might be to simply book a ticket and take to the skies, smart travelers know that the more you have written down, the fewer problems you’re likely to have later.
What sort of things need to go on your travel itinerary? You should start with basics, like a calendar, copies of your airline and hotel reservations (with confirmation numbers), addresses, emergency contact telephone numbers, and other critical details. Having them all in one place makes things more convenient and you’ll want them in case of an emergency.
Don’t stop with just making just one. Give a copy to every person in your group, and one or two contacts back at home. If you really want to be prepared, laminate them or cover them in a plastic coating to be sure that you’ll still be able to read and use them in bad weather.
5. Get Your Shots
Even with the advancements of modern medicine, it’s an unfortunate fact that there are many parts of the world that still harbor nasty bugs and illnesses. If you can help it, you really don’t want one of them to ruin your trip, and the easiest way to protect yourself is by getting a few shots well in advance of your travel date.
In many cases, you can get these from your regular doctor, or very affordably at a local travel clinic. All you have to do is let them know what region of the world you’ll be visiting, and for how long. For a few dollars, they can normally give you all the shots you need and send you right on your way.
Nobody looks forward to getting stuck by a needle, but believe us when we tell you that it’s a much better option than contracting an avoidable virus.
6. Bring the Right Medicines
Speaking of your health, don’t neglect it while you’re away. It’s a good idea to have any prescription medications with you when you travel, of course, but also a week or two’s worth of extra supplies just in case you are delayed.
In addition to existing prescriptions, you might talk to your doctor about prescribing a few other medications that you can bring in case you want them later. For instance, having a mild antibiotic on hand can be particularly helpful, especially if you’re visiting a part of the world you haven’t been to before. The same goes for medicine to help with a sour stomach, and possibly a sleep aid.
In most cases, you won’t have a need for these extra medicines, but taking them with you and having them at the ready can help you save the time you would have spent at a health clinic explaining your problems and needs, especially if foreign languages are spoken in your destination.
7. Have an Emergency Medical Plan
One last note about medical care: If you or someone in your group has a serious condition that could require immediate attention, then it’s not a bad idea to bring the names, addresses, and map locations of some area hospitals at your destination with you.
Additionally, you might bring some information about your medical history and/or condition printed in the local language, as this could drastically cut down the time needed for physicians to help you. This is especially important if you could require the services of a specialist, or if the condition is rare.
Obviously, it’s a personal decision to decide whether or not to undergo long-distance travel with a serious medical condition, and there certainly are risks to factor in. If you do decide to head overseas, however, then make it as easy as possible to get help at your destination if you should need it.
8. Get the Best Kind of Advice
Two big advantages that seniors have over younger travelers are that they know the value of experience, and that they often have friends, colleagues, and relatives who travel around the world. To make the most of your international trip, make use of both.
Often, the best travel advice for a specific destination – not to mention the best restaurants, hotels, and other hotspots – isn’t found in a guidebook, but from a personal recommendation. If you know someone who has already spent a lot of time in the area you want to visit, see if they are willing to share some of their insights over dinner or a cup of coffee.
Or, if you don’t know anyone personally who has lived, worked, or traveled frequently to the place you want to vacation, ask around. There’s a very good chance that someone in your circle of contacts knows someone else who can give you the kind of pointers you’re looking for.
9. Pack Less for Longer Trips
As a rule of thumb, you should pack more for a longer trip, right? Actually, you might want to do just the opposite. Here’s why: The longer time you’ll be spending away from your home, the more things you can affordably buy at your destination.
As an example, you might want to pack five sets of clothes for a journey that will take up most of the week. But what if you are leaving the country for a month? In that case, you’re probably better off packing two or three good outfits and finding a local Laundromat.
The same goes for things like food and toiletries. Why spend a lot of time packing soap and shaving cream, when you could just buy it at your destination? Think very carefully about the length of your trip and the costs associated with buying what you need after you have landed. You’ll find that more often than not, longer trips require you to pack less, not more.
10. Think Convenience, Not High Fashion
We all like to look good, but when it comes to being a good traveler, comfort and utility beats being fashionable every time. Packing items like synthetic underwear, breathable, rain-resistant jackets, and shoes that can work as well on a walking tour as they can a night on the town probably isn’t going to make you feel stylish. What it will do, though, is keep you warm, dry, and comfortable while taking up very little space in your luggage.
If you don’t already own these items, then consider purchasing some of them if you’re going to be doing a lot of travel, now or in the future. You only need a few things to last you through even the longest trip, and so quality travel clothing can actually pay for itself pretty quickly.
11. Document Your Own Belongings
The only thing worse than losing items like luggage, credit cards, or a smart phone while you’re out of the country is losing them and having no way to replace them. Besides the aforementioned insurance, your best protection against this type of situation is to make a quick inventory of everything that’s going with you. Note things like model numbers, serial numbers, colors, and sizes. In fact, you might even want to take pictures of your luggage and belongings that can be kept with you on a thumb drive.
While this is undoubtedly a lot of cautionary work, in reality it shouldn’t take you more than an hour, and the inventory can be reused for successive trips. And like many of the other tips in this guide, you won’t think about it again unless you have a need… but if you do, you’ll be very glad that you took the time to do it.
12. Give Yourself All the Time You Need… And Maybe a Little More
We’ve all seen the men and women sprinting their way through the airport from one gate to another. Some of us may have even been that person a time or two. But when it comes time to depart for your trip, make things easy on yourself and leave extra time in your schedule to get to the airport, find your gate, and do things like go through security.
This is one of those life lessons that could probably apply to just about anyone, but for seniors traveling in airports they don’t know – especially ones that are overseas – it’s important to leave enough room on the clock. That’s because a number of foreign airports require trains, buses, and even long walks to get from one terminal to another. Although you will almost always see signs in English, they may not indicate how far it is from one area to another, so try not to push tight connections more often than you have to.
13. Speak the language
It’s hard to enjoy yourself in a foreign country when you can’t understand what anyone is saying, or vice versa. Besides, knowing at least a handful of words in the local language won’t just make things easier, but can earn you better service and save you some money. From cab drivers to market hagglers, a large number of men and women who regularly work with tourists gauge your ability and willingness to pay higher prices on your command of their native tongue.
So, if you have some time to prepare for your trip, brush up on the language you’ll be speaking. There are all kinds of books, evening courses, and software packages that can help you learn the basics of a new language quickly. If you are a senior who wants to get the most out of your overseas travel, then any of these options is worth investing a little bit of time and money into.
14. Beware the Food and Water
It’s almost cliché to warn retirees about the various illnesses and stomach ailments that you can get from water, ice cubes, and street food in other countries, but the fact remains that these are probably your biggest health concerns. For all the attention paid to things like crime and terrorism, you are far more likely to pick up a stomach bug in another country than you are to be mugged or ripped off.
Aside from drinking water from bottles and avoiding meals from suspicious-looking carts on street, your best defense against indigestion and food poisoning is to read a few reviews of the eatery you are considering beforehand. Even if it’s not in an area frequented by tourists, you’ll probably find that others have tried it and can share their impressions. So long as no one reports having gotten violently ill, there’s probably nothing to worry about.
15. Don’t Stick Out
Hotels, airlines, and tour companies aren’t the only ones who make big money off tourists. In most parts of the world, and not just the poorest countries, there are small but significant industries that spring up around petty crimes like pick pocketing and credit card theft.
The easiest way not to be a victim is to simply not look like a victim. Thieves and con artists don’t go after just anyone; they will typically look for seniors who are wearing expensive jewelry, carrying around large cameras, and squinting at oversized street maps.
Obviously, there may be times when you’ll want to have and use all of these items. Nonetheless, if you can avoid looking like you just stepped off the plane to snap a few pictures, then you are going to seem like a much harder target to the people who would like to steal your things. Keep your eyes open, blend in at least a little bit, and they’ll devote their attention to someone else.
16. Use Your Head
While this goes hand in hand with the last piece of advice, beware of anything that looks or sounds too good to be true. If you find yourself being offered a “free tour” of a landmark you’ve never heard of, catching the aggressive affections of a very attractive person who’s half your age, or getting an unheard-of price on a luxury good, then investigate the situation very, very carefully before moving forward.
Just as low-level thieves look for obvious tourists, most of the worst kinds of crimes that happen to seniors overseas are as much the result of bad decisions as they are complicated deceptions. The people who want to rob you will rarely ever come right out and say so (at least at first), so it’s up to you to keep yourself out of situations that are going to seem like obvious scams when you look back on them later.
17. Be Smart With Currencies
A lot of seniors, when headed overseas, like to just pack a combination of cash, credit cards, and travelers’ checks. While this isn’t a bad strategy, generally speaking, it’s not the best for every circumstance. In some parts of the world, credit cards still aren’t widely accepted, for example, and in others it can be very difficult (or expensive) to cash travelers checks.
Further adding to the problem is that in some regions – and especially in developing countries – U.S. dollars may be preferred to the local currency. All of this can quickly add up to an enormous headache if you have brought the wrong kind of money, or find that you need to make a purchase for something you forgot (like an umbrella, or dinner) quickly without visiting a bank.
The solution? Ask pointed questions about currencies beforehand, and visit a couple of travel forums online. It shouldn’t take you more than a few minutes to find out what the locals prefer and what the least expensive options for handling currencies are.
18. Make Your Rest Time Count
Usually, when seniors think of international travel, they imagine seeing ancient wonders, trying new foods, and experiencing the best of the world firsthand. What they often forget, however, is that all of that excitement can really take it out of you.
All the wonderful activities you have planned for your trip won’t feel so great if you’re constantly yawning, dragging your feet, and waiting to crawl back into bed. For that reason, it’s important that you don’t just make the most of the activities on your vacation, but also the rest time that you have.
From long flights to evenings spent in the hotel, make sure to take advantage of things like travel pillows, earplugs, and sleep masks that make it easy to ignore the outside world and get some sleep. If you’re the kind of person who is easily woken, you might also consider getting a prescription for a light sleep medication.
It can be harder than you would think to rest when you’re excited and in a new environment, but tossing and turning all night isn’t going to help you enjoy your travel.
19. Find the Right Tour Group
If it’s your first time visiting a particular city, attraction, or part of the world, then you might want to sign up for a tour group to make the most of your visit. These can be a lot of fun, and a great value, but make sure that you don’t just sign up for any tour.
Although some locations may regularly feature tours for everyone, most will offer guided visits specifically for seniors. These typically move at a slower pace and have longer question-and-answer periods, so you won’t be rushed along by groups of students or those who just want to take a few pictures and move on. Additionally, some senior tours will offer access for those in wheelchairs, or shorter walking distances if you prefer to walk instead.
Remember, your vacation is all about seeing what you want in comfort, so don’t be shy about asking for the tour group that’s right for you.
20. Be Flexible With Your Itinerary
Although we advised you to create a written itinerary and calendar before you leave home, make sure that it has a little bit of wiggle room so that you can change things on the fly when you need to. One of the most fun parts about traveling overseas is experiencing the unexpected – you never know when you’ll come across a person or place you’re going to want to spend more time with.
Having an extra day or two at the beginning of your trip, to recover from jet lag, or at the end of each section, makes the whole experience a lot more relaxing. And, if you find that you’d rather move on to the next part of your trip, changing a flight or train reservation usually doesn’t take much more than a phone call.
21. Have a Great Time, and Take Lots of Pictures!
Ultimately, the point of each of these tips is to help you enjoy your travel more. And no matter what, remember that having a good time is the point of all of this. For most seniors, international travel is something that they’ve worked hard for and dreamed of their entire lives. It’s only right that you take advantage and make the most of every second.
While you’re away, also remember to keep something to take snapshots with handy. Regardless of whether you are a camera buff or the kind of person who snaps photos with their cell phone, you are undoubtedly going to come across some settings and experiences you’ll want to share with your friends and family later. With good pictures, you get to enjoy the best vacations twice, so be sure to use up lots of film.
One last thing: After your trip is over, be sure to tell us and other seniors how it went. Who knows? Maybe you’ll have such a great time that you will be planning another international trip again soon!
Does My Medicare Plan Provide Coverage for My Spouse?
When people say “my Medicare Plan” it is often hard to tell if they mean Original Medicare, a Medicare Advantage Plan, or a Medigap plan. In what follows, we are referred to Part A, hospital insurance, only.
Who Gets Covered on Whose Plan?
The answer to “does my Medicare cover my spouse” is always “no” because Medicare was designed from the very beginning as coverage for each individual, not couples. The real question is, “can my spouse be covered based on my Social Security earning record?”, and the answer there, as with so much else in Medicare, is “it depends.”
The Role of Work
To be eligible for Social Security, and therefore for Medicare, one normally must have worked in covered employment for 40 quarters, or ten years. The variations come in when one spouse meets the 40-quarter requirement and the other doesn’t.
If one spouse meets the 40-quarter requirement and the other doesn’t, the nonworking spouse is covered based on the earnings record of the working spouse when both turn 65. No premium is charged. Part A is free.
If the working spouse is at least 62 and the non-working spouse is over 65, the non-working spouse is eligible for Medicare as soon as the working spouse turns 62. No premium is charged. If the working spouse is younger than 62, the spouse over 65 can get Medicare Part A by paying a premium until the working spouse attains 62. The premium for Part A is $471 per month in 2021 if you spouse worked less than 30 quarters and $259 if your spouse worked between 20 and 39 quarters.
The Effects of Divorce and Marriage
A divorced spouse may be eligible for Medicare at 65 based on a spouse’s earnings record if they were married to the former spouse for at least ten years. To qualify based on your spouse’s earnings record, you must have been married at least a year.
If you’re widowed or a widower and were married for at least nine months, you can qualify on your deceased spouse’s earnings record.
If there were multiple marriages and divorces, you can qualify for Medicare based on the earnings record of only one spouse.
The Effect of Disability
Those who receive Social Security disability are eligible for premium-free Medicare after two years from the date they were found disabled. Because of the way Social Security treats disability earnings, you may qualify based on your own earnings record even if you do not have 40 quarters (ten years) of covered employment.
If all the foregoing is less than clear to you, you’re not alone. If you have questions, contact your local Social Security office, which also handles Medicare issues. You can also call 1-800-MEDICARE to contact Medicare directly.
Medicare provides a huge amount of benefits for free, but this, sadly, does not mean that there is no cost. Since the dawn of the concept of insurance, insurers have felt that there has to be some cost-sharing to ensure that the beneficiaries of insurance have “skin in the game” and do not simply waste benefits. Medicare, in both its original and more modern forms, is squarely in that tradition.
And of course, if you add supplemental benefits such as a Medigap or Prescription Drug plan, there will usually be a premium for those too. Because Medicare Advantage Plans have been generously funded by the government, some of them charge no premiums and even offer to refund all or part of your Part B premium. All one can say here is that your net cost for your particular Medicare Advantage Plan is whatever the plan chooses to charge you for the benefits you actually use.
Where Is the Out-of-Pocket Limit?
It is vitally important that you understand that while most commercial insurance today has an out-of-pocket limit beyond which all expenses are covered and you pay nothing, this is not true of Original Medicare and most Medigap plans. Medigap Plans G and L have out-of-pocket limits; all Medicare Advantage Plans have out-of-pocket limits; no other plans do.
Medicare Premiums
For 2022, the vast majority of Medicare beneficiaries will pay nothing for Part A and $170.10 per month for Part B. Some with higher incomes will have higher Part B premiums, and those with fewer than 40 quarters of work who purchase part A will have a 2022 premium of $499 or $274 per month, depending on the number of quarters worked. The Part B premium in 2022 for virtually everyone will be $170.10; per month; some higher-income beneficiaries will pay more.
Medicare Deductibles
The Medicare Part A deductible, the amount you pay before Medicare pays anything, for 2022 is $1,556 for each “spell of illness.” A spell of illness, also called a benefit period, is a period in which you were hospitalized. It ends when you have been out of the hospital for 60 days.
The Part B deductible for 2022 is $233, which covers the entire year.
Medigap and Medicare Advantage Deductibles
The Medigap and Medicaid Advantage deductibles are determined by your individual plans.
Medicare Co-Payments
Medicare’s Part A copayments for each benefit period in 2022 will be $0 for the first 60 days: $389 per day for days 61-90, and $778 per “lifetime reserve day” for days 61-90. You get 60 lifetime reserve days; after that, Medicare does not pay.
Part B copayments are almost always 20% of the Medicare cost of the service rendered.
Skilled Nursing Facility (SNF) care will remain at $0 for days 1 to 20 for each benefit period and will be $194.50 per day for days 21 to 100 of each benefit period in 2022.
Prescription Drug Plan (Part D) Deductibles, Premiums and Co-payments
The maximum Part D deductible for 2022 is $480, but plans do not have to charge this much – some have no deductible at all. The average premium for 2022 will be $30 per month. Copayments will range from around $1 to around $10, but the exact figures depend on your individual plan. Remember that if you are enrolled in a Medicare Advantage Plan, prescription drugs may be included for no additional premium.
What’s the Bottom Line?
Because of the wide variety of plans, exact figures are hard to come by, but we do know that for Original Medicare, the average out-of-pocket cost in 2018 was $6,150 per person enrolled.
Medicare fraud is a sad fact. People, whether doctors, insurance companies or patients, try to make “free money” that ends up costing seniors like you in the long run. But you can also do a lot to make sure that you and your family are kept safe.
In fact, Florida’s Senior Medicare Patrol is taking it very seriously. A few employees are teaching seniors about potential trouble spots that could indicate a doctor or other individual isn’t doing the right thing. They’ve already saved millions of dollars, just on the strength of a couple of hundred volunteers.
While there are similar programs in other states, you don’t need a fancy badge in order to protect yourself. Keep in mind, even if you don’t do anything wrong, you could be affected by fraud if you have to switch doctors or assisted living homes or hospitals due to the bad choices of others.
Ignore door-to-door salesmen who say they are from Medicare or a health insurer. You’ll get notice of changes or issues with your coverage via the mail or phone.
Check your bills just like you would any other bill, and make sure that nothing stands out, especially two of the same things.
Make sure that you visit people you trust and keep your records and bills safe. If you live in a facility, consider entrusting older documents with a loved one or your attorney.
Consult loved ones and your doctor and don’t be pushed into doing anything you’re not comfortable with in terms of changing your plans or seeing a new doctor.
