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2010 Medicare Update

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This document summarizes the details of Medicare programs including Parts A, B, C, and D. It provides an overview of coverage and costs for each part as well as information on Medicare supplements and Advantage plans. The document also discusses individual prescription drug recommendations and additional benefits programs.

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2010 Medicare Update
Barbara Hostetler ,[object Object],[object Object],[object Object],[object Object]
AGENDA ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Original Medicare ,[object Object],[object Object],[object Object]
What is Medicare? Page 12 ,[object Object],[object Object],[object Object],[object Object]
Parts of Medicare Page 12 ,[object Object],[object Object],[object Object],[object Object]
Medicare Part A Hospitalization
Medicare Part A - Coverage Page 16 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Medicare Part A – Cost Page 16 & 119 ,[object Object],[object Object],[object Object]
Medicare Part A – 2010 Benefits Page 120 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Medicare Part A – 2010 Benefits Page 120 ,[object Object],[object Object],[object Object],[object Object]
Medicare Part A – 2010 Benefits Page 120 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Medicare Part A – 2010 Benefits Page 120 ,[object Object],[object Object],[object Object],[object Object],[object Object]
Medicare Part B Medical Insurance
Medicare Part B - Coverage Page 25 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
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
Medicare Part B – Cost From AARP Bulletin Today ,[object Object],[object Object],[object Object]
Medicare Part B – Cost From AARP Bulletin Today ,[object Object],[object Object],[object Object],[object Object],[object Object]
Medicare Part B – 2010 Benefits Page 121 ,[object Object],[object Object],[object Object],[object Object]
Medicare Part B – 2010 Benefits Page 121 ,[object Object],[object Object],[object Object],[object Object]
Medicare Part B – 2010 Benefits Page 27 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Medicare Part B – 2010 Benefits Page 27 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Medicare Part B – 2010 Benefits Page 27 ,[object Object],[object Object],[object Object],[object Object]
Medicare Part C Medicare Advantage
Medicare Part C – Medicare Advantage Page 50 ,[object Object],[object Object],[object Object],[object Object],[object Object]
Medicare Part C – Medicare Advantage Page 50 ,[object Object],[object Object],[object Object],[object Object]
Medicare Part C – Medicare Advantage Page 50 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Medicare Part C – Medicare Advantage Page 50 ,[object Object],[object Object]
Medicare Part C – Medicare Advantage Page 50 ,[object Object],[object Object],[object Object]
Medicare Part C – Medicare Advantage Page 50 - 51 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Medicare Part C – Medicare Advantage Page 51 ,[object Object],[object Object],[object Object],[object Object]
Medicare Part C – Medicare Advantage Page 52 ,[object Object],[object Object]
Medicare Part C – Medicare Advantage Page 52 ,[object Object],[object Object]
Medicare Part C – Medicare Advantage Page 52 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Medicare Part D Prescription Drug
Medicare Part D – Prescription Drug Page 62 ,[object Object],[object Object],[object Object],[object Object]
Medicare Part D – Prescription Drug Page 62 ,[object Object],[object Object],[object Object]
Medicare Part D – Prescription Drug Page 63 ,[object Object],[object Object],[object Object]
Medicare Part D – Prescription Drug Page 63 ,[object Object],[object Object],[object Object],[object Object],[object Object]
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:
Medicare Part D – Prescription Drug ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Medicare Supplements Filling the “Gaps” in Original Medicare
Medicare Supplement Insurance Page 74 ,[object Object],[object Object],[object Object],[object Object]
Medicare Supplement Insurance Page 74 ,[object Object],[object Object],[object Object],[object Object]
Medicare Supplement Insurance Page 74 ,[object Object],[object Object],[object Object],[object Object],[object Object]
Medicare Supplement Insurance Page 75 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Medicare Supplement Insurance & Medicare Advantage Page 75 ,[object Object],[object Object]
Medicare Supplement Insurance & Medicare Advantage Page 75 ,[object Object],[object Object]
Medicare Advantage Plan Details for 2010
Medicare Prescription Drug Individual Recommendations Required
Medicare Prescription Drug ,[object Object],[object Object],[object Object]
Medicare Prescription Drug Example ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Medicare Prescription Drug Example ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Medicare Prescription Drug Example ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Medicare Prescription Drug Example ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Medicare Prescription Drug ,[object Object],[object Object],[object Object],[object Object],[object Object]
The Smilebuilderz Discount Dental Plan Free to our clients
The Smilebuilderz Discount Dental Plan ,[object Object],[object Object],[object Object],[object Object],[object Object]
The Smilebuilderz Discount Dental Plan ,[object Object],[object Object],[object Object],[object Object]
The Smilebuilderz Discount Dental Plan ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
The Smilebuilderz Discount Dental Plan ,[object Object],[object Object],[object Object]
Pavelko Senior Consulting Services Senior Transitions Specialist
Benefits Check-up Finding Additional Benefits
Benefits Check-up ,[object Object],[object Object],[object Object],[object Object],[object Object]
Benefits Check-up ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Conclusion Next Steps…
Next steps… ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Questions?
Thank you!

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2010 Medicare Update

  • 2.
  • 3.
  • 4.
  • 5.
  • 6.
  • 7. Medicare Part A Hospitalization
  • 8.
  • 9.
  • 10.
  • 11.
  • 12.
  • 13.
  • 14. Medicare Part B Medical Insurance
  • 15.
  • 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.
  • 18.
  • 19.
  • 20.
  • 21.
  • 22.
  • 23.
  • 24. Medicare Part C Medicare Advantage
  • 25.
  • 26.
  • 27.
  • 28.
  • 29.
  • 30.
  • 31.
  • 32.
  • 33.
  • 34.
  • 35. Medicare Part D Prescription Drug
  • 36.
  • 37.
  • 38.
  • 39.
  • 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.
  • 42. Medicare Supplements Filling the “Gaps” in Original Medicare
  • 43.
  • 44.
  • 45.
  • 46.
  • 47.
  • 48.
  • 49. Medicare Advantage Plan Details for 2010
  • 50. Medicare Prescription Drug Individual Recommendations Required
  • 51.
  • 52.
  • 53.
  • 54.
  • 55.
  • 56.
  • 57. The Smilebuilderz Discount Dental Plan Free to our clients
  • 58.
  • 59.
  • 60.
  • 61.
  • 62. Pavelko Senior Consulting Services Senior Transitions Specialist
  • 63. Benefits Check-up Finding Additional Benefits
  • 64.
  • 65.
  • 67.