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Turning 65 and Need Help with Medicare?

Medicare is health insurance for people age 65 or older, under 65 with disabilities and people of any age with End-Stage Renal Disease.  Medicare alone was never intended to pay for all medical expenses including coinsurance, co-pays and deductibles.  A Medigap policy is health insurance sold by private insurance companies to fill the gaps in Original Medicare coverage.  Medicare Supplement insurance can help you pay your medical expenses not paid for by Original Medicare.

Overview of Medicare Coverage

There have been many changes to Medicare since it was created in 1965.  With these changes it is difficult to keep up with what is covered, enrollment dates and who is covered.  Alabama Medicare wants to help you understand Medicare and the options available to you.
Alabama
After the Affordable Care Act (ACA) | Print |

Lower Costs, Better Care for Alabama Seniors: Medicare After The Affordable Care Act


The Affordable Care Act strengthens Medicare and helps 859,002 seniors and people on Medicare in Alabama take charge of their health. The law provides important benefits such as free preventive services, free annual wellness visits, a 50 percent discount on prescription drugs for Medicare recipients in the coverage gap known as the “donut hole,” and a phase-out of the donut hole altogether by 2020. Medicare is now more affordable, with lower premiums and cost sharing, and continues to offer enrollees a choice of a private Medicare Advantage plan. These benefits are already making a difference in the lives of seniors. The chart below highlights how seniors in Alabama have seen their Medicare benefits improve in the last year.

Citation: The White House Blog; Better Medicare In Your State; Posted by Stephanie Cutter on May 06, 2011 at 09:00 AM ED.
 
2011 Prescription Drug Savings | Print |

As of April 30, 2011, 3,003 Alabama Medicare Beneficiaries have saved a total of $2,013,747, or $670.58 per person in prescription drug discounts because of the Affordable Care Act.

The Affordable Care Act is cutting the cost of prescription drugs for millions of people with Medicare, including a 50% percent discount on brand name drugs bought when seniors and people with disabilities are in the doughnut hole.  So far, 271,000 people have used the discounts to save an average of $613 for a total of $166 million. Those savings will continue to grow until people with high drug costs get out of the doughnut hole later this year.

 

 

Citation: HealthCare.gov
 
Health & Drug Plan Statistics | Print |

Medicare Health and Drug Plans in Alabama for 2011

•    34 Medicare Prescription Drug Plans (PDPs) available
•    88% of people with Medicare have prescription drug coverage (including 57% with Part D)
•    50% of people with Part D get Extra Help (also called the low-income subsidy, or LIS)
•    100% of people with Part D can pay a lower premium in 2011 than they did in 2010
•    100% of people with Medicare have access to a MA plan for a $0 premium
•    14 PDPs have $0 deductibles
•    $14.80 is the lowest monthly premium for a PDP
•    $46.40 is the lowest monthly premium for a PDP with any generic coverage in the Coverage Gap
•    11 PDPs have a premium of $0 for people who qualify for Extra Help

Plan costs and coverage change each year, so all people with Medicare should check to make sure their plan still meets their needs and budget. There may be a Medicare health or drug plan available with better coverage or a lower deductible in 2011.
 
Medicare Partners | Print |

Alabama Medicare Partners
 
Links to Organizations | Print |

State Health Insurance Assistance Program (SHIP)

from the web site: "...Seniors can call their local State Health Insurance Assistance Program or Senior Medicare Patrol Program toll free at 1-800-243-5463 to receive free, confidential help and assistance about a variety of healthcare matters, including Medicare, Medicaid, long term care insurance and fraud detection and prevention... "

Toll Free: (800) 243-5463 Local: (334) 242-5743

Visit this agency Web Site at  www.alabamaageline.gov
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