2010 Medicare Update

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Explanation of 2010 Medicare benefits for Pennsylvania Medicare Beneficiaries

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2010 Medicare Update

  1. 1. 2010 Medicare Update
  2. 2. Barbara Hostetler <ul><li>Life and Health Division Manager for Hostetler Insurance Associates, Inc. </li></ul><ul><li>15 years of health insurance experience </li></ul><ul><li>Life-long Lancaster County resident, currently living in Mount Joy </li></ul><ul><li>Married to Andrew Hostetler, raising a 6-year-old daughter, Zoe </li></ul>
  3. 3. AGENDA <ul><li>Original Medicare Parts A, B, C & D Update & Overview </li></ul><ul><li>Medicare Supplement Insurance </li></ul><ul><li>Medicare Advantage Plan Details </li></ul><ul><li>Medicare Prescription Drug </li></ul><ul><li>Cookie Break (10 Minutes) </li></ul><ul><li>Smilebuilderz FREE Discount Dental Plan </li></ul><ul><li>Pavelko Senior Consulting Services </li></ul><ul><li>Benefits Check-up </li></ul>
  4. 4. Original Medicare <ul><li>All of the information for this section or our presentation comes from Medicare & You 2010 </li></ul><ul><li>You should receive a Medicare & You 2010 booklet at home directly from Medicare (one booklet per household) </li></ul><ul><li>Additional copies are available this evening </li></ul>
  5. 5. What is Medicare? Page 12 <ul><li>Medicare is health insurance for the following: </li></ul><ul><ul><li>People Age 65 or Older </li></ul></ul><ul><ul><li>People Under Age 65 with Certain Disabilities </li></ul></ul><ul><ul><li>People of Any Age with End Stage Renal Disease (requiring dialysis or kidney transplant) </li></ul></ul>
  6. 6. Parts of Medicare Page 12 <ul><li>Part A – Hospitalization </li></ul><ul><li>Part B – Medical Insurance </li></ul><ul><li>Part C – Medicare Advantage (i.e. PPO or HMO) </li></ul><ul><li>Part D – Medicare Prescription </li></ul>
  7. 7. Medicare Part A Hospitalization
  8. 8. Medicare Part A - Coverage Page 16 <ul><li>Inpatient hospital care </li></ul><ul><ul><li>Critical care hospitals </li></ul></ul><ul><ul><li>Inpatient rehab facilities </li></ul></ul><ul><ul><li>Long term care hospitals </li></ul></ul><ul><li>Inpatient care in a skilled nursing facility </li></ul><ul><ul><li>NOT custodial care </li></ul></ul><ul><li>Hospice </li></ul><ul><li>Home Health Care </li></ul>
  9. 9. Medicare Part A – Cost Page 16 & 119 <ul><li>You usually don’t pay anything for Medicare Part A if you and/or your spouse paid Medicare taxes while working </li></ul><ul><li>If you are not eligible for premium-free Medicare Part A, you may be able to purchase Part A coverage </li></ul><ul><li>For those who must pay for Part A, the 2010 premium will be $461 / month or more </li></ul>
  10. 10. Medicare Part A – 2010 Benefits Page 120 <ul><li>Blood </li></ul><ul><ul><li>If the hospital receives blood from the blood bank for free, it is free to you </li></ul></ul><ul><ul><li>If the hospital must purchase blood for you, you will be responsible to pay for (or replace) the first 3 pints </li></ul></ul><ul><li>Home Health Care </li></ul><ul><ul><li>You pay $0 for home health care services </li></ul></ul><ul><ul><li>You pay 20% for durable medical equipment </li></ul></ul>
  11. 11. Medicare Part A – 2010 Benefits Page 120 <ul><li>Hospice </li></ul><ul><ul><li>You pay $0 for Hospice care </li></ul></ul><ul><ul><li>You pay up to $5 per prescription for outpatient prescription drugs for pain and symptom management </li></ul></ul><ul><ul><li>You pay 5% for inpatient respite care </li></ul></ul>
  12. 12. Medicare Part A – 2010 Benefits Page 120 <ul><li>Inpatient Hospital Care </li></ul><ul><ul><li>You will pay a deductible of $1100 and no coinsurance for days 1 – 60 of each benefit period in 2010 </li></ul></ul><ul><ul><li>You pay $275 per day for days 61 – 90 of each benefit period </li></ul></ul><ul><ul><li>You pay $550 per lifetime reserve day after day 90 of each benefit period </li></ul></ul><ul><ul><li>You have up 60 lifetime reserve days </li></ul></ul><ul><ul><li>You pay ALL COSTS after lifetime reserve days are exhausted </li></ul></ul>
  13. 13. Medicare Part A – 2010 Benefits Page 120 <ul><li>Skilled Nursing Facility </li></ul><ul><ul><li>You pay $0 for days 1 – 20 per benefit period </li></ul></ul><ul><ul><li>You pay $137.50 for days 21 – 100 per benefit period </li></ul></ul><ul><ul><li>You pay ALL COSTS for days 101+ per benefit period </li></ul></ul><ul><ul><li>Custodial care is NOT covered by Medicare </li></ul></ul>
  14. 14. Medicare Part B Medical Insurance
  15. 15. Medicare Part B - Coverage Page 25 <ul><li>Medically necessary services </li></ul><ul><ul><li>Services and supplies necessary to diagnose a medical condition </li></ul></ul><ul><ul><li>Treatment of medical conditions </li></ul></ul><ul><li>Preventive care </li></ul><ul><ul><li>Health care to prevent illness </li></ul></ul><ul><ul><li>Health care to diagnose illness at an early stage when treatments will be most effective </li></ul></ul>
  16. 16. Medicare Part B – Cost Page 119 * Most people will continue to pay the 2009 Part B premium of $96.40 in 2010. Call Social Security at 800-772-1213 with questions about your 2010 premium. $353.60 / Mo. > $428,000 > $214,000 $287.30 / Mo. $320,001 - $428,000 $160,001 - $214,000 $221.00 / Mo. $214,001 - $320,000 $107,001 - $160,000 $154.70 / Mo. $170,001 - $214,000 $85,001 - $107,000 $110.50 / Mo. * < / = $170,000 < / = $85,000 Joint Tax Return Individual Tax Return You Pay If your yearly income in 2008 was
  17. 17. Medicare Part B – Cost From AARP Bulletin Today <ul><li>2010 Premiums Explained by AARP </li></ul><ul><ul><li>Hold harmless provision of federal law protects most Medicare Beneficiaries from the premium increase in 2010 </li></ul></ul><ul><ul><li>No increase to COLA (Cost of Living Adjustment) means no increase in premium for Part B for 75% of Medicare Beneficiaries </li></ul></ul>
  18. 18. Medicare Part B – Cost From AARP Bulletin Today <ul><li>2010 Premiums Explained by AARP (cont.) </li></ul><ul><ul><li>The Hold Harmless provision does NOT apply to the following Medicare Beneficiaries: </li></ul></ul><ul><ul><ul><li>Those who do not have their Part B premiums withheld from Social Security Checks </li></ul></ul></ul><ul><ul><ul><li>Those who pay a higher Part B premium based on income </li></ul></ul></ul><ul><ul><ul><li>Those who are newly enrolled in Part B on or after January 1, 2010 </li></ul></ul></ul>
  19. 19. Medicare Part B – 2010 Benefits Page 121 <ul><li>Major Medical Care </li></ul><ul><ul><li>You will pay an annual deductible of $155 for Part B covered items and services in 2010 </li></ul></ul><ul><ul><li>You pay 20% of the Medicare-approved amount for most doctor services, outpatient therapy, most preventive services and durable medical equipment </li></ul></ul><ul><ul><li>You pay 45% of the Medicare-approved amount for most outpatient mental health care </li></ul></ul>
  20. 20. Medicare Part B – 2010 Benefits Page 121 <ul><li>Major Medical Care (cont.) </li></ul><ul><ul><li>You pay a coinsurance or copayment that varies for outpatient hospital services </li></ul></ul><ul><ul><li>You pay $0 for Medicare-approved clinical laboratory services </li></ul></ul><ul><ul><li>You pay $0 for Medicare-approved home health care services </li></ul></ul>
  21. 21. Medicare Part B – 2010 Benefits Page 27 <ul><li>Preventive Care </li></ul><ul><ul><li>Bone Mass measurement </li></ul></ul><ul><ul><li>Cardiovascular blood testing for cholesterol, lipids and triglycerides </li></ul></ul><ul><ul><li>Colorectal Cancer screenings </li></ul></ul><ul><ul><li>Diabetes screenings </li></ul></ul><ul><ul><li>EKG screening if it is referred as part of your “Welcome to Medicare” physical exam </li></ul></ul>
  22. 22. Medicare Part B – 2010 Benefits Page 27 <ul><li>Preventive Care (cont.) </li></ul><ul><ul><li>PSA screening </li></ul></ul><ul><ul><li>Flu shot </li></ul></ul><ul><ul><li>Pneumococcal shot </li></ul></ul><ul><ul><li>Hepatitis B shot </li></ul></ul><ul><ul><li>Glaucoma testing </li></ul></ul><ul><ul><li>Mammograms </li></ul></ul><ul><ul><li>Pap test, pelvic exam and breast exam </li></ul></ul>
  23. 23. Medicare Part B – 2010 Benefits Page 27 <ul><li>Preventive Care (cont.) </li></ul><ul><ul><li>“Welcome to Medicare” physical exam within 12 months of your Part B effective date </li></ul></ul><ul><ul><ul><li>Let the scheduler know that your appointment is for your “Welcome to Medicare” physical – it will be a longer appointment </li></ul></ul></ul><ul><ul><ul><li>Schedule it as soon as possible – you may have to wait to get an appointment </li></ul></ul></ul>
  24. 24. Medicare Part C Medicare Advantage
  25. 25. Medicare Part C – Medicare Advantage Page 50 <ul><li>A Medicare Advantage plan is another health coverage choice that you may have as part of Medicare </li></ul><ul><li>Known as </li></ul><ul><ul><li>Part C </li></ul></ul><ul><ul><li>“MA” Plans </li></ul></ul><ul><li>Offered by private insurance companies that are approved by Medicare </li></ul>
  26. 26. Medicare Part C – Medicare Advantage Page 50 <ul><li>If you join a Medicare Advantage plan, it will provide all of your Part A and Part B coverage </li></ul><ul><li>Medicare Advantage must provide coverage for emergency and urgent care </li></ul><ul><li>Medicare Advantage plans must cover all the services that Original Medicare covers, except hospice care </li></ul><ul><li>Hospice care is still covered by Original Medicare if you are enrolled in a Medicare Advantage plan </li></ul>
  27. 27. Medicare Part C – Medicare Advantage Page 50 <ul><li>Medicare Advantage plans are NOT considered supplemental coverage </li></ul><ul><li>Medicare Advantage plans may offer extra benefits, such as: </li></ul><ul><ul><li>Vision coverage </li></ul></ul><ul><ul><li>Dental coverage </li></ul></ul><ul><ul><li>Hearing coverage </li></ul></ul><ul><ul><li>Health and Wellness programs </li></ul></ul>
  28. 28. Medicare Part C – Medicare Advantage Page 50 <ul><li>Most Medicare Advantage plans INCLUDE Medicare prescription drug coverage </li></ul><ul><li>You pay your Medicare Part B premium AND the premium for the Medicare Advantage plan, if there is a premium for the plan you choose </li></ul>
  29. 29. Medicare Part C – Medicare Advantage Page 50 <ul><li>Medicare pays a fixed amount every month to the Medicare Advantage company that you enroll with </li></ul><ul><li>Medicare Advantage companies must follow rules set by Medicare </li></ul><ul><li>Each Medicare Advantage plan may charge different out-of-pocket costs and have different rules for accessing coverage, i.e. referrals may be required or you may need to use a network of doctors </li></ul>
  30. 30. Medicare Part C – Medicare Advantage Page 50 - 51 <ul><li>Types of Medicare Advantage plans: </li></ul><ul><ul><li>HMO (Health Maintenance Organization) </li></ul></ul><ul><ul><li>PPO (Preferred Provider Organization) </li></ul></ul><ul><ul><li>POS (Point of Service) </li></ul></ul><ul><ul><li>PFFS (Private Fee For Service) </li></ul></ul><ul><ul><li>MSA (Medical Savings Account) </li></ul></ul><ul><ul><li>SNP (Special Needs Plan) </li></ul></ul><ul><ul><li>PSO (Provider Sponsored Organization) </li></ul></ul>
  31. 31. Medicare Part C – Medicare Advantage Page 51 <ul><li>You still have Medicare rights and protections in a Medicare Advantage plan </li></ul><ul><li>You must follow plan rules to avoid higher costs </li></ul><ul><li>Medicare Advantage plans are not standardized – they have different benefits </li></ul><ul><li>You may join a Medicare Advantage plan even if you have pre-existing conditions, except for End Stage Renal Disease </li></ul>
  32. 32. Medicare Part C – Medicare Advantage Page 52 <ul><li>There are only certain times of the year when you may join or leave a Medicare Advantage plan </li></ul><ul><li>If the Medicare Advantage plan that you’ve chosen stops participating in Medicare, you will have Special Enrollment rights to join another Medicare Advantage plan or return to Original Medicare </li></ul>
  33. 33. Medicare Part C – Medicare Advantage Page 52 <ul><li>You usually get prescription drug coverage through the Medicare Advantage plan </li></ul><ul><li>If you enroll for a stand-alone Prescription Drug plan after enrolling in a Medicare Advantage plan that includes prescription drug coverage, you will be disenrolled from the Medicare Advantage plan and returned to Original Medicare </li></ul>
  34. 34. Medicare Part C – Medicare Advantage Page 52 <ul><li>You do not need a separate Medicare Supplement plan if you have a Medicare Advantage plan </li></ul><ul><li>You cannot be sold a separate Medicare Supplement plan if you have a Medicare Advantage plan </li></ul><ul><li>You may join a Medicare Advantage plan if: </li></ul><ul><ul><li>You have Medicare Parts A and B; and </li></ul></ul><ul><ul><li>You live in the Service Area of the plan; and </li></ul></ul><ul><ul><li>You do not have End Stage Renal Disease </li></ul></ul>
  35. 35. Medicare Part D Prescription Drug
  36. 36. Medicare Part D – Prescription Drug Page 62 <ul><li>Available to everyone who has Medicare </li></ul><ul><li>Offered by private insurance companies </li></ul><ul><li>Each plan will vary in benefits and cost </li></ul><ul><li>Each plan may use a different drug formulary – list of preferred or covered drugs </li></ul>
  37. 37. Medicare Part D – Prescription Drug Page 62 <ul><li>It is your choice to enroll in a Medicare Part D plan: </li></ul><ul><ul><li>If you do not enroll when you are first eligible and you do not have creditable coverage from another source, you will pay a late enrollment penalty if you choose to enroll later </li></ul></ul><ul><ul><li>Penalty accrues at 1% per month for every month that you wait to enroll </li></ul></ul>
  38. 38. Medicare Part D – Prescription Drug Page 63 <ul><li>To join a Medicare Part D Plan you must have Medicare Part A or Part B </li></ul><ul><li>You must live in the service area of the Medicare Part D Plan that you want to join </li></ul><ul><li>Based on your income, you may qualify for additional help in paying for your prescriptions or Part D Plan </li></ul>
  39. 39. Medicare Part D – Prescription Drug Page 63 <ul><li>You may join a Medicare Part D Plan at the following times: </li></ul><ul><ul><li>When you are first-eligible for Medicare </li></ul></ul><ul><ul><li>Between November 15 – December 31 each year for coverage to begin on the following January 1 </li></ul></ul><ul><ul><li>You may CHANGE your Part D Plan between January 1 – March 31 each year </li></ul></ul><ul><ul><li>Anytime if you qualify for additional help in paying for your Medicare Part D Plan </li></ul></ul>
  40. 40. Medicare Part D – Prescription Drug Page 63 Starts over every January 1 You pay a small copayment for your drugs until the end of the year Once $2,830 is spent, you will pay the full cost of your drugs until YOU have spent a total of $ 4,550 out of YOUR pocket You pay a copayment and your plan pays a share for each covered drug until a COMBINED total of $2,830 is spent by YOU AND THE PLAN (this includes the deductible You pay the first $310 of drug costs before the plan starts to pay its share 4. Catastrophic Coverage 3. Coverage Gap (Donut Hole) 2. Copayment or Coinsurance 1. Yearly Deductible The “Standard” Medicare Part D Plan operates like this:
  41. 41. Medicare Part D – Prescription Drug <ul><li>You should shop for Medicare Part D Prescription Drug coverage EVERY year </li></ul><ul><li>The following things may change EVERY year: </li></ul><ul><ul><li>Premium </li></ul></ul><ul><ul><li>Copayments </li></ul></ul><ul><ul><li>Formulary Tiers </li></ul></ul><ul><ul><li>Your Prescription Needs </li></ul></ul>
  42. 42. Medicare Supplements Filling the “Gaps” in Original Medicare
  43. 43. Medicare Supplement Insurance Page 74 <ul><li>Sold by private insurance companies </li></ul><ul><li>Standardized plan designs </li></ul><ul><li>Helps to pay for many of the “gaps” in Medicare, i.e. deductible or coinsurance </li></ul><ul><li>Pays based on Medicare and Medicare Assignment </li></ul>
  44. 44. Medicare Supplement Insurance Page 74 <ul><li>Currently available – Standardized Plans A – L </li></ul><ul><li>Available June 1, 2010 – NEW Standardized Plans M & N </li></ul><ul><li>Effective June 1, 2010 you will no longer be able to purchase Plans E, H, I or J </li></ul><ul><li>If you have a Plan E, H, I or J you will be able to keep it </li></ul>
  45. 45. Medicare Supplement Insurance Page 74 <ul><li>Insurance companies may charge different premiums for EXACTLY the same Medicare Supplement coverage </li></ul><ul><li>Differences to note: </li></ul><ul><ul><li>Premium you pay </li></ul></ul><ul><ul><li>Service you receive </li></ul></ul><ul><ul><li>Financial stability of the insurance company </li></ul></ul>
  46. 46. Medicare Supplement Insurance Page 75 <ul><li>To get a Medicare Supplement policy, you must: </li></ul><ul><ul><li>Have Medicare Parts A and B </li></ul></ul><ul><ul><li>Pay the plan premium </li></ul></ul><ul><ul><li>Purchase a separate policy for your spouse (no joint coverage) </li></ul></ul><ul><ul><li>Be eligible for the insurance </li></ul></ul><ul><ul><ul><li>Through Initial Enrollment Period or Special Enrollment Period </li></ul></ul></ul><ul><ul><ul><li>With good health </li></ul></ul></ul>
  47. 47. Medicare Supplement Insurance & Medicare Advantage Page 75 <ul><li>If you have a Medicare Supplement and want to enroll for Medicare Advantage, you may keep your Supplement plan, but it cannot pay for any of the cost-sharing components of the Medicare Advantage plan </li></ul><ul><li>If you want to cancel your Medicare Supplement, you must contact the insurance company </li></ul>
  48. 48. Medicare Supplement Insurance & Medicare Advantage Page 75 <ul><li>If you have a Medicare Advantage plan it is illegal for anyone to sell you a Medicare Supplement plan unless you are switching back to Original Medicare </li></ul><ul><li>The first time that you enroll for a Medicare Advantage plan, if you do not like it, you may have a Special Enrollment Period to move back to Original Medicare and a Supplement within 12 months of joining </li></ul>
  49. 49. Medicare Advantage Plan Details for 2010
  50. 50. Medicare Prescription Drug Individual Recommendations Required
  51. 51. Medicare Prescription Drug <ul><li>It is important to review your Part D Prescription Drug benefits EVERY year </li></ul><ul><li>Medicare.gov – Medicare Prescription Drug Plan Finder </li></ul><ul><li>How we make a recommendation specific to your needs </li></ul>
  52. 52. Medicare Prescription Drug Example <ul><li>Female / Diabetes </li></ul><ul><li>5 Generic Medications & 1 Brand Medication </li></ul><ul><ul><li>Metformin / 2000 mg Daily </li></ul></ul><ul><ul><li>Glimepiride / 8 mg Daily </li></ul></ul><ul><ul><li>Simvastatin / 20 mg Daily </li></ul></ul><ul><ul><li>Lisinopril / 2.5 mg Daily </li></ul></ul><ul><ul><li>Fluoxetine / 40 mg Daily </li></ul></ul><ul><ul><li>Januvia / 100 mg Daily </li></ul></ul>
  53. 53. Medicare Prescription Drug Example <ul><li>2009 Recommended Plan </li></ul><ul><ul><li>Highmark Blue Rx Plus @ $49.10 / month </li></ul></ul><ul><ul><li>Estimated annual drug cost $1507 / Year at Retail Pharmacy </li></ul></ul><ul><ul><li>Estimated annual drug cost $1189 / Year at Mail Order Pharmacy </li></ul></ul><ul><ul><li>Monthly cost at the Pharmacy will be approximately $60.00 </li></ul></ul><ul><ul><li>Expect to reach the Coverage Gap in November, 2009 </li></ul></ul>
  54. 54. Medicare Prescription Drug Example <ul><li>2010 Plan “Renewal” </li></ul><ul><ul><li>Highmark Blue Rx Plus @ $51.30 / month </li></ul></ul><ul><ul><li>Estimated annual drug cost $1698 / Year at Retail Pharmacy </li></ul></ul><ul><ul><li>Estimated annual drug cost $1276 / Year at Mail Order Pharmacy </li></ul></ul><ul><ul><li>Monthly cost at the Pharmacy will be approximately $75.00 </li></ul></ul><ul><ul><li>Expect to reach the Coverage Gap in November, 2010 </li></ul></ul>
  55. 55. Medicare Prescription Drug Example <ul><li>2010 Recommended Plan </li></ul><ul><ul><li>Aetna Rx Plus @ $36.70 / Month </li></ul></ul><ul><ul><li>Estimated annual drug cost $1145 / Year at Retail Pharmacy </li></ul></ul><ul><ul><li>Estimated annual drug cost $1100 / Year at Mail Order Pharmacy </li></ul></ul><ul><ul><li>Monthly cost at the Pharmacy will be approximately $60.00 </li></ul></ul><ul><ul><li>Expect to reach the Coverage Gap in December, 2010 </li></ul></ul>
  56. 56. Medicare Prescription Drug <ul><li>Collect your specific demographic and drug information </li></ul><ul><li>Enter drugs and demographic information into the Medicare.gov Prescription Drug Plan Finder </li></ul><ul><li>Look for $0 - $100 Deductible Plans </li></ul><ul><li>Review / compare the three lowest-cost options that fit our parameters for a good plan </li></ul><ul><li>Every person will have a different recommendation </li></ul>
  57. 57. The Smilebuilderz Discount Dental Plan Free to our clients
  58. 58. The Smilebuilderz Discount Dental Plan <ul><li>Applies at the Smilebuilderz Dental practice, Lancaster </li></ul><ul><li>Smilebuilderz is a unique and innovative dental practice that includes all dental specialties under one roof </li></ul><ul><li>Plan includes free x-rays and exams </li></ul><ul><li>Plan includes adult teeth cleanings for $55 </li></ul><ul><li>Plan includes discounts of 20% - 50% on all dental procedures received at Smilebuilderz </li></ul>
  59. 59. The Smilebuilderz Discount Dental Plan <ul><li>Tell us that you want the Smilebuilderz Discount Plan </li></ul><ul><li>We will enroll you with Smilebuilderz for January 1, 2010 </li></ul><ul><li>You will receive ID Cards and full plan details </li></ul><ul><li>The plan discounts apply to your entire household </li></ul>
  60. 60. The Smilebuilderz Discount Dental Plan <ul><li>Not ready to leave your dentist? </li></ul><ul><li>Use Smilebuilderz for specialty services </li></ul><ul><ul><li>Endodontics </li></ul></ul><ul><ul><li>Periodontics </li></ul></ul><ul><ul><li>Prosthodontics </li></ul></ul><ul><li>You will receive discounts on whatever services you use at Smilebuilderz when you present your ID Card </li></ul>
  61. 61. The Smilebuilderz Discount Dental Plan <ul><li>Discounts may not be combined with insurance unless you pay cash and submit your own claims for reimbursement </li></ul><ul><li>This program came from the requests of our clients for a good, affordable dental plan </li></ul><ul><li>Smilebuilderz is NOT insurance </li></ul>
  62. 62. Pavelko Senior Consulting Services Senior Transitions Specialist
  63. 63. Benefits Check-up Finding Additional Benefits
  64. 64. Benefits Check-up <ul><li>Available on your own at www.benefitscheckup.com/coventry </li></ul><ul><li>We can provide the Benefits Check-up Report for you </li></ul><ul><ul><li>Complete the Questionnaire </li></ul></ul><ul><ul><li>Return it to your Agent </li></ul></ul><ul><ul><li>Receive a detailed report back by mail or review in person at your appointment </li></ul></ul>
  65. 65. Benefits Check-up <ul><li>Learn if you are eligible for </li></ul><ul><ul><li>Medicare Savings Program </li></ul></ul><ul><ul><li>PACE / PACENET </li></ul></ul><ul><ul><li>Property Tax / Rent Rebate </li></ul></ul><ul><ul><li>Food Stamps </li></ul></ul><ul><ul><li>Home Energy Assistance </li></ul></ul><ul><ul><li>Weatherization Assistance </li></ul></ul><ul><ul><li>Transportation Assistance </li></ul></ul><ul><ul><li>Food / Meal Supplements </li></ul></ul>
  66. 66. Conclusion Next Steps…
  67. 67. Next steps… <ul><li>Think about your options for 2010 </li></ul><ul><ul><li>Original Medicare Alone </li></ul></ul><ul><ul><li>Original Medicare + Medicare Supplement and/or Part D Rx </li></ul></ul><ul><ul><li>Medicare Advantage </li></ul></ul><ul><ul><li>Special Enrollment Period Availability (?) </li></ul></ul><ul><li>Discuss your options with an Agent </li></ul><ul><li>Enroll for the plan(s) of your choice by December 31, 2009 </li></ul>
  68. 68. Questions?
  69. 69. Thank you!

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