Page 3 - Senior Times South Central Michigan - October 2018 - 25-10
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Senior Times - October 2018
Page 3
THE ABCDs OF MEDICARE
By: Glin Winsor, Store Manager Walgreens
Medicare is considered one of the most important government sponsored benefits in the US. Medicare is different than Medicaid.
First it is important to know that Medicare has four parts:
1. Medicare Part A – Hospital coverage
2. Medicare Part B – Medical (Physician) Coverage
3. Medicare Part C – Medicare advantage Plans Like
HMO
4. Medicare Part D – Prescription drug coverage
Medicare is for:
• People age 65 and over.
• People with certain disabilities under age 65.
• People with end-stage renal disease – permanent
kidney failure requiring dialysis or a kidney trans- plant.
Medicare is for US citizens and legal residents who have paid Medicare payroll taxes for at least 10 years or who have met other specific guidelines.
Medicare enrollment is open three months before, during, and three months after your 65th birthday month. If you do not sign up during this time, you may experience a penalty and/or higher premium costs.
For more information contact Medicare at 800-MEDICARE or www.medicare.gov.
Medicare part A covers:
• Inpatient care
• Hospital care
• Skilled nursing facility care
• Nursing home care (non-custodial) • Home health services
Medicare Part B covers:
• Physician fees
• Outpatient hospital services
• Ambulance services
• Durable medical equipment (DME) • Mental health services
• Second opinions
• Some drugs not covered by Part D
Medicare Part C is an alternative to “original Medicare” and is often referred to as a Medicare Advantage Plan, or MA Plan. It is offered by private insurance companies approved by Medicare. Most MA Plans include extra benefits such as vision, den- tal, etc. Most include prescription drug coverage. With an MA Plan, you’ll get your Medicare Part A (Hospital Insurance), from the Medicare advantage plan and not the traditional “original Medicare.”
Medicare part D is for prescription drugs,
not over the counter (OTC) drugs. Each Medicare Prescription Drug Plan has its own list of covered drugs (called a formulary). To find out if your pre- scriptions are covered ask your pharmacist or check online at https://www.medicare.gov-a-plan/questions/ home.aspx.
Medicare Part D is an insurance plan provided by private companies that contract with the Centers for Medicare and Medicaid services. You have a choice of Part D plans in your area. Part D plans have differ- ent premiums and covered drugs. You can choose a Part D plan that includes just drug coverage or choose a Medicare Advantage Plan that includes Medicare Parts A, B, and D. If you don’t enroll when first eligi- ble (usually when you turn 65) you will likely pay a late-enrollment penalty.
Select a Part D plan that covers the medications you are taking and has a payment structure that best fits your needs. There are many plan comparison tools available on the internet. The government offers a free comparison tool at https://www.medicare.gov.
How do I pay for Medicare Part D coverage?
• Premium
• Yearly deductible
• Copayments or coinsurance
• Costs in the coverage gap
• Availability of extra help
• Costs if you pay a late enrollment penalty
When should I enroll in Part D? Annual election period is October 15 through December 7 each year. Late enrollment will result in a penalty and higher premiums. For information on special enrollment
periods, visit Medicare.gov.
What is the “doughnut hole” in Medicare Part D? The coverage gap, also known as the donut hole, is a temporary limit on what the drug plan will cover for drugs. The gap begins after you and your drug plan spend a certain amount for covered drugs. In 2019:
• The gap begins when you reach $3,700 in prescrip-
tion drug costs and ends once your out of pocket
costs reach $4,950.
• While in the gap, you will receive a discount on the
cost of your drugs:
◆ A 60% discount on the total cost of brand-name
◆
drugs.
A 49 % discount on generic drugs.
Not all plans have a coverage gap and the amounts can vary. Those who receive Extra Help with paying Part D costs won’t enter the coverage gap.
Retiree and Medicare Supplement Insurance -
Retiree policies pay what Medicare doesn’t cover. A Medicare plan typically pays first. See your employ- er for additional information on retiree policies. Medicare supplement insurance is also known as MedGap. You must have both Medicare Part A and B to qualify for a supplemental policy. Insurance com- panies offer Medicare Supplement Policies.
See www.medicare.gov for information on supple- mental insurance.
Medicare and Walgreens
Walgreens accepts Medicare Part B, Part C and Part D plans for:
• Immunizations
• Healthcare Clinic Visits
• Medications
• Medical Supplies
Walgreens’ Balance Rewards For Healthy ChoicesTM program is just one tool to help you make healthy choices by rewarding you for tracking your blood pressure, exercise, weight, sleep, and more.
~ Be well, stay well!
CITY
Hastings Woodland
Albion Battle Creek Battle Creek Homer Marshall
Jackson Jackson Napoleon Spring Arbor
LOCATION
COA Building Eagles Club
FACILITATOR
Mary Cook Kristy Estep
PHONE DAYS
(269) 948-4856 M-F
(269) 367-4041 M,W,F
TIME
10am-2pm
10:30am-1pm
SENIOR DINING CENTERS
BARRY COUNTY
Delton
Faith United Methodist
Angela Soya
(269) 579-3918
M,W,T
11am-1pm
Nashville
Main St. Banqets
Jenny Burlison
(517) 213-9212
M-F
10:30am-1pm
Meals provided by Barry County Commission on Aging. A program sponsored by Barry County United Way.
BRANCH COUNTY
Coldwater
Coldwater Church of Christ
Alisha Carr
(517) 279-8249
M,T,Th,F
9am-1pm
Lunch Served at 12pm
Meals provided by Community Action Food and Nutritional Services. Funding sources AAA 3C, Branch County United Way, USDA and private donations.
CALHOUN COUNTY
Albion
Albion Forks Senior Dining Center
Cynthia Rose
(866) 200-8877
M,T,W,F
10:30am-1pm
Lunch served at 12pm
Clarence Township Dining Center Cherryhill Manor Senior Center Springview Towers Dining Center Homer Presbyterian Church Marshall House Dining Center
Crouch Senior Center
King Rec Center, Food with Friends Napoleon Township Hall
Spring Arbor Senior Center
Mark Rice
Constance Siegel Eileen Worthington Senior Health Partners Deb Trescott
Laurie Mead Laurie Mead Gail Jamieson
Shimone Glaspie
(866) 200-8877 (866) 200-8877 (866) 200-8877 (866) 200-8877 (866) 200-8877
(517) 788-4364 (517) 788-4364 (517) 788-4364
(517) 750-1010
M,T,W M,T,W,Th,F M,T,W,F
T
M,W,F
M,T,W,Th,F M,T,W,Th,F T, Th M,T,W,Th,F
10:30am-1pm 10:30am-1pm 10:30am-1pm 10:30am 10:30am-1pm
8am-4pm 10:30am-1:30pm 10:30am-1:30pm
9:45am-1:45pm
Lunch served at 11:45am Lunch served at 11:30am Lunch served at 11:30am Whole Person Wellness too Lunch served at 12pm
Lunch served at 12pm Lunch served at 12pm Lunch served at 12pm
Lunch served at 12pm
Battle Creek
Bedford Manor Dining Center
Billy Castle
(866) 200-8877
M,T,W,Th,F
10:30am-1pm
Lunch served at 11:30am
Battle Creek
Lakeview 890 Territorial Dining Center
Karl Hoard
(866) 200-8877
M,W,F
10:30am-1pm
Lunch served at 11:30am
Battle Creek
Westbrook Place Dining Center
Michelle Dove
(866) 200-8877
M,T,W,Th,F
10:30am-1pm
Lunch served at 11:30am
Marshall
Heritage Commons
Kitty Knoll
(269) 558-6150
T, Th
12-1pm
Tekonsha
Tekonsha Community Hall
Senior Health Partners
(866) 200-8877
T
10am
Whole Person Wellness too
All sites have hot and cold meals. Meals provided by Senior Services. Funding by Calhoun County Senior Services, AAA 3B, USDA and private donations.
JACKSON COUNTY
Grass Lake
Grass Lake Food With Friends
Annie Lavergne
(517) 788-4364
T, Th
10am-3:30pm
Lunch served at 12pm
Jackson
Park Forest
Laurie Mead
(517) 788-4364
M,T,W,Th,F
10:30am-1:30pm
Lunch served at 12pm
Michigan Center
St. Aidan’s Episcopal Church
Laurie Mead
(517) 788-4364
M,W,F
10am-2pm
Lunch served at 12pm
Norvell
Norvell/Township Hall
Gail Jamieson
(517) 788-4364
M,W,F
10:30am-1:30pm
Lunch served at 12pm
To have your senior dining center added or changes to your listing, Call Sherii at (269) 979-1412 ext. 302 or Email: ssherban@wwthayne.com


































































































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