New Medicare cards are on the way

Changes are coming to your Medicare card.  By April 2019, your card will be replaced with one that no longer shows your Social Security number.  Instead, your card will have a new Medicare Beneficiary Identifier (MBI) that will be used for billing and for checking your eligibility and claim status.

Having your Social Security number removed from your Medicare card helps fight medical identity theft and protects your medical and financial information.

Here are some common Medicare scams relating to the new cards:

  • Someone calling, claiming to be from Medicare, and asking for your Social Security number or bank information.
  • Someone asking you to pay for your new card.
  • Someone threatening to cancel your benefits if you don’t provide information or money?

For more on the new changes to your Medicare card, visit Centers for Medicare & Medicaid Services.  And report scams to the FTC.

For more information, click here.

Teaching Suggestions

  1. How do you think this change will affect patients? You?
  2. Replacing Social Security number with Health Insurance Claim Number will cost millions of taxpayers dollars. Do you think it is worth the expense?

Discussion Questions

  • What is the biggest reason the Social Security is taking the Social Security Number off of Medicare cards?
  • How will the new system affect people with Medicare?
  • Who will be the affected stakeholders?

The Supreme Court, Health Care, and You

On June 26, 2015, the Supreme Court made an important decision about the Health Insurance Marketplace keeping           quality, affordable coverage for millions of Americans.  The Supreme Court’s decision confirmed that if you qualify, you can receive financial assistance, including premium tax benefit to make coverage more affordable no matter where you live.

On average, consumers enrolled in the Marketplace are receiving $3,260 per year in tax credit, or $272 each month.

About 8 in 10 consumers could find coverage for $100 or less with tax credit through the Marketplace.

If you don’t have health insurance, see if you can get health coverage for 2015.  You may qualify for a Special Enrollment Period due to life change, such as marriage, having a baby, or losing other coverage.  Open enrollment for 2016 starts on November 1, 2015.

For more information, click here.

Teaching Suggestions

  • Ask students if anyone in their family is affected by the Supreme Court ruling, and if so, how?
  • Ask students to prepare a summary of the major provisions of the Affordable Care Act.

Discussion Questions

  1. Why is it important to inform the Marketplace about any changes to your household, income, and insurance status?
  2. If you have health insurance through your employer or purchased it on the individual market, does the Supreme Court ruling impact you?

CMS Proposes Rule to Strengthen Managed Care for Medicaid and CHIP enrollees

On May 26, 2015, the Centers for Medicare and Medicaid Services (CMS) proposed to modernize Medicaid and Children’s Health Insurance Program (CHIP) managed care regulations to update the programs’ rules and strengthen the delivery of quality care for beneficiaries.  This proposed rule is the major update to Medicaid and CHIP managed care regulations in more than a decade.  It would improve beneficiary communications and access, provide new program integrity tools, support state efforts to deliver higher quality care in a cost-effective way, and better align Medicaid and CHIP managed care rules and practices with other sources of health insurance coverage.  Overall, this proposed rule supports the agency’s mission of better care, smarter spending, and healthier people.

For more information, click here.

Teaching Suggestions

  • Ask students to visit the CMS.gov website to learn how the healthcare delivery landscape has changed and grown substantially since 2002.
  • Ask students how CMS might strengthen the quality of care provided to beneficiaries.

Discussion Questions

  1. Why is the CMS proposing new rules to strengthen managed care for Medicaid and CHIP enrollees?
  2. How does the CMS plan to modernize Medicaid and CHIP regulations?

5 Ways To Become An Informed Medicare Consumer

Each day, you make important choices about your finances, health, privacy, and more.  Medicare has 5 things you can do to help you become an informed Medicare consumer.

  1. Know your rights. As a person with Medicare, you have certain rights and protections designed to help protect you and make sure you get the health care services the law provides.
  2. Protect your identity. Identity theft happens when someone uses your personal information without your consent to commit fraud or other crimes.  Keep the following information safe:
    • Your name
    • Your Social Security Number (SSN)
    • Your Medicare Number (or your membership card if you’re in a Medicare Advantage or other Medicare health plan)
    • Your credit card and bank account numbers
  1. Help fight Medicare fraud. Medicare fraud takes money from the Medicare program each year, which means higher health care costs for you.  Learn how to report fraud.
  2. Get involved with other seniors with the Senior Medicare Patrol (SMP). The SMP educates and empowers people with Medicare to take an active role in detecting and preventing health care fraud and abuse.
  3. Make informed Medicare choices. Each year during the Fall Open Enrollment Period (October 25-December 7), review your plan to make sure it will meet your needs for the following year.  If you are not satisfied with your current plan, you can switch during the Open Enrollment Period.

For more information, click here.

Teaching Suggestions

  • Ask students to prepare a list of medical expenses that Medicare does not cover.
  • Ask students to check out the Centers for Medicare and Medicaid Services (CMS) videos for tips on preventing Medicare fraud and see how seniors are learning to stop, spot, and report fraud.

Discussion Questions

  1. Why is it vital to fight against Medicare fraud?
  2. Why is it important to review your health care plan during the Fall Enrollment Period?

Your 2015 Tax Return and the Health Care Law

Certain provisions of the Affordable Care Act will probably affect your federal income tax return when you file this year.  The law requires that you and each member of your family have qualifying health insurance coverage for each month of the year, qualify for an exemption from the coverage requirement, or make an individual shared responsibility payment when filing your federal income tax return.

Most taxpayers will simply check a box on the tax return to indicate that each member of their family had qualifying health coverage for the whole year.  Qualifying health insurance includes coverage for most, but not all, types of health care coverage plans.  If you bought coverage through the Health Insurance Marketplace, you should receive Form 1095A, Health Insurance Marketplace Statement from your Marketplace by early February.

For more information, Click Here.

Teaching Suggestions

  • Ask students to search the Internet to gather more information about the new IRS requirements and the Affordable Care Act.
  • What are provisions that might affect an individual and their families?

Discussion Questions

  1. What are the reporting requirements when you file your federal income tax return this year?
  2. How can you determine if you are eligible for an exemption?
  3. What should you do if you are expecting to receive 1095A and you don’t receive it by early February.

Health Insurance Marketplace Application Check List

When you apply for or renew your coverage in the Health Insurance Marketplace, you’ll need to provide information about you and your household, including income, and insurance coverage you currently have, and some additional information.

Use the checklist below to help you gather what you need to apply for coverage.  Open enrollment ends February 15, 2015.

  • Home and/or mailing addresses for everyone applying for coverage.
  • Social Security Numbers.
  • Document information for
  • Employer and income information for every member of your household (for example, from pay stubs or W-2 forms—Wage and Tax Statements)
  • Your best estimate of what your household income will be in 2015.
  • Policy numbers for any current health insurance plans covering members of your household.
  • A completed “Employer Coverage Tool” for every job-based plan you or someone in your household is eligible for. (You’ll need to fill out this form even for coverage you’re eligible for but don’t enroll in.)
  • Notices from current plan that include your plan ID, if you have or had bad health coverage in 2014.

For more information, go to:

https://marketplace.cms.gov/outreach-and-education/marketplace-application-checklist.pdf

Teaching Suggestions

  • Many states are expanding Medicaid to cover more people. Ask students to find out what Medicaid expansion might mean for them.
  • Why do some people qualify for an exemption from the fee based on income or other situation?

Discussion Questions

  1. Do most people who apply for health insurance through marketplace qualify for premium tax credit?
  2. What penalties are imposed on people who don’t have a coverage in 2015?
  3. Can you buy a plan outside the marketplace and still meet the health care law’s coverage requirement?

Medicaid and Children’s Health Insurance Program (CHIP)

Did you know that Medicaid and Children’s Health Insurance Program (CHIP) offer free or low cost health coverage for eligible children and other family members? Medicaid and CHIP cover:

  • Children and teens up to age 19
  • Young people up to 21 may be covered under Medicaid
  • Youth who have “aged out” of foster care can be covered under Medicaid until they reach age 26

Children may be eligible based on their family income.  Eligibility depends on your income, the number of people in your family and the rules in your state. In almost every state, children in families with income up to 200 percent of the federal poverty level ($47,700 per year for a family of four) are covered. In more than half the states, the income eligibility for children can be even higher.

Eligible children and teens can get regular check-ups, shots, doctor and dentist visits, vision care, hospital care, mental health services, needed medications and more.  All preventive services for children are available at no cost.

For more information, go to

http://www.insurekidsnow.gov/chip/index.html

Teaching suggestions

  • Ask students how can they find a health care provider (doctor, dentist or pharmacist) in their area who accepts Medicaid or CHIP?
  • Is there a special enrollment period for Medicaid or CHIP?
  • How can you apply for Medicaid and CHIP?

Discussion Questions

  1. Can working parents who may not have health coverage through their jobs cover their children under the CHIP program?
  2. Who can apply for Medicaid or CHIP for a child?

 

Is That Health Insurance Website for Real?

Shopping for health insurance online?  Before making your final purchase – read on.  Health insurance scams have been preying through websites selling medical discount plans.

According to the complaint in a recent case FTC settlement, IAB Marketing Associates, LP et al. , was a sham nonprofit trade association offering memberships suggesting it would provide consumers with a comprehensive medical insurance plan. Here’s how it worked: people shopping for health insurance online would come across websites quoting prices for health insurance plans once they entered their personal information. The websites acted like collection baskets: they asked for contact information, age, occupation, marital status-and whether folks had health insurance or pre-existing medical conditions. IAB telemarketers then called people who provided their information on these websites and used aggressive tactics to sell IAB memberships. As long as people paid upfront fee and made monthly payments – both ranging from $40 – $1,000 – they were promised a comprehensive health insurance plan that covered virtually every medical procedure and illness

Or so they thought.

The truth? According to the Federal Trade Commission (FTC), consumers never were enrolled in a comprehensive health insurance plan. The IAB plan was essentially a medical discount plan, offering, if it existed, limited discounts and reimbursements on visits to certain doctors or hospitals. Many consumers who suffered an accident or illness were shocked to find that their IAB “health plan” covered very few, if any, medical expenses, leaving them with major medical bills.

For additional information go to:

http://www.consumer.ftc.gov/blog/health-insurance-website-real

Teaching Suggestions

  • Ask students why they should research a company before providing their personal information.
  • Where can students file a complaint if they suspect a health insurance scam?

Discussion Questions

  1. How can consumers protect themselves from such scams?
  2. Should consumers provide personal information on the web?

Medicare & You 2015: What’s Important in 2015?

In September 2014, millions of Americans received a 152-page booklet from the Centers for Medicare and Medicaid Services, called Medicare & You 2015.  It doesn’t have much of a plot, but it might be the most important reading for seniors or their adult children.  Here is what’s important in 2015:

  • Stay healthy with Medicare-covered preventive services. Medicare pays for many services that can prevent or detect health problems early when they are easier to treat.  Ask your health care provider what services you need.
  • Keep track of your personal health information. Access your personal health information using Medicare’s Blue Button.  This information can help you make more informed decisions about your care and can give your healthcare providers a more complete view of your health history.
  • Continue to get help in the prescription drug coverage gap. If you reach the coverage gap in your Medicare prescription drug coverage, you’ll quality for some savings on generic and brand-name drugs.
  • Find out what you pay for Medicare (Part A and Part B). The 2015 Medicare premium and deductible amounts were not available at the time of printing.  To get most up-to-date cost information, call 1-800-Medicare.

For additional information go to

http://www.medicare.gov/Publications/Pubs/pdf/10050.pdf

Teaching Suggestions

  • Ask students to choose a current issue of Money, Consumer Reports, Kiplinger’s Personal Finance, and summarize an article that updates Medicare’s programs for 2015.
  • Ask student where they can find other ways to get Medicare information and compare the quality of plans and health care providers.

Discussion Questions

  1. What factors should senior citizens consider in making the choice among various types of Medicare, medigap, or HMO health care insurance policies?
  2. What services are not covered by Medicare?