Articles written by nila morgan


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  • Medicare Summary Notices: Understanding claims and catching waste

    Nila Morgan, For Senior Voice|May 1, 2018

    Medicare Summary Notices (MSNs) are a great tool for beneficiaries and I highly recommend learning how to read them. They may appear a bit intimidating at the outset, but once you learn how to review them, they can be very helpful in understanding how your medical claims have been processed and how much you may owe after your insurance has paid their part. Additionally, these documents are invaluable in helping beneficiaries catch any errors, abuse or fraud. Let’s walk through the MSN t...

  • Medicare will pay for many preventive services

    Nila Morgan, For Senior Voice|Apr 1, 2018

    Did you know that if you have Medicare Part B you are eligible to receive a large number of preventive services that will cost you nothing? Medicare’s goal in offering these preventive screenings is to find health problems early when treatment works best. Under Medicare Part B, preventive services are part of your benefits and you will pay no co-payment if you get the services from a provider (doctor, other provider, or supplier) who takes assignment. Taking assignment means that this provider h...

  • Don't miss out on Medicare's General Enrollment Period

    Nila Morgan, For Senior Voice|Mar 1, 2018

    Well, here we are, in the middle of the annual General Enrollment Period (GEP) for Medicare. Unlike the annual Part D Open Enrollment Period, for prescription drug coverage, which runs each year from Oct. 15 to Dec. 7, the GEP runs from Jan. 1 to March 31 of each year. This enrollment period is your opportunity to enroll in Medicare Part A and Part B if you have missed your initial enrollment period (IEP) that spans the seven-month window surrounding your birth month the year you turn 65. You...

  • Make the most of your Medicare Part D drug benefit

    Nila Morgan, For Senior Voice|Feb 1, 2018

    With the new year, many Medicare beneficiaries have enrolled in a Part D, prescription drug plan, possibly for the first time. There are several ways to make the most of your Part D benefit and we will examine them. What you should expect from your Part D plan Once you have enrolled in a plan you should receive, within two weeks, a letter letting you know your enrollment information has been received. Within five weeks you should receive a welcome packet that will include several items. You...

  • What's new in Medicare for 2018

    Nila Morgan, For Senior Voice|Jan 1, 2018

    Some of the costs for Medicare will hold steady in 2018 and others will see some increase. Medicare Part A Also known as Hospital Insurance, Part A covers in-patient hospital care, skilled nursing facility care, skilled home health care and hospice care. Premiums. Most people pay no monthly premium for Part A because they have 40 credits on file with Social Security by paying FICA taxes through their employment. However, some people will pay for Part A. If you have between 30 and 40 credits, you...

  • Part D Open Enrollment Period is underway

    Nila Morgan, For Senior Voice|Nov 1, 2017

    Have you reviewed your prescription drug coverage for 2018? The Open Enrollment Period for Part D and Medicare Advantage Plans is in full swing. Beginning Oct. 15 and continuing until Dec. 7, Medicare beneficiaries have to opportunity to review their coverage, determine the most appropriate plan for 2018 and enroll. There are no public Medicare Advantage plans being offered in Alaska however, there will be 19 Medicare prescription drug plans offered. Medicare beneficiaries are encouraged to reme...

  • Part D Open Enrollment is quickly approaching

    Nila Morgan, For Senior Voice|Oct 1, 2017

    Fall is in the air! Time for pumpkin spiced treats, watching football, getting out our winter gear, putting on our studded tires, and for Medicare beneficiaries, it is time to review our prescription drug coverage. Known by a number of titles such as the Fall Open Enrollment period, the Part D Open Enrollment, or Medicare’s Open Enrollment, each autumn between October 15 and December 7, Medicare offers the opportunity for Medicare beneficiaries to make changes to their coverage. These changes c...

  • Look for these Medicare open enrollment notices

    Nila Morgan, For Senior Voice|Sep 1, 2017

    Welcome to autumn! This season is when Medicare Beneficiaries are going to receive valuable and pertinent information in the mail about their benefits and upcoming changes in preparation for the Part D Open Enrollment period. The Open Enrollment Period is an important opportunity that is provided to Medicare beneficiaries annually to evaluate their prescription drug coverage and to make changes if they desire. It occurs from October 15 to December 7 annually. Medicare and You Handbook. Each Medi...

  • Medicare vs. the Marketplace insurance plans

    Nila Morgan, For Senior Voice|Aug 1, 2017

    What is a Health Insurance Marketplace plan? If I have a Marketplace plan and I become eligible for Medicare should I switch? What are the advantages of Medicare over the Marketplace? How do I disenroll from my Marketplace plan? What if I didn’t switch to Medicare when I could have? What is Time Limited Equitable Relief and do I qualify for it? These are a few of the questions many people turning 65 are asking and we will try to answer for you. What is the Health Insurance Marketplace? First o...

  • Don't confuse Medicare with Medicaid

    Nila Morgan, For Senior Voice|Jul 1, 2017

    Medicare and Medicaid are two programs that can offer a strong combination health insurance for seniors. Many people get the two programs confused because of the similarity of their names. Medicare is health insurance offered by the federal government for people over the age of 65, people who have been receiving Social Security Disability benefits for 24 months and for those of any age who have been diagnosed with End Stage Renal Disease (ESRD). Medicaid is a federal and state program offering...

  • Programs can reduce your Medicare costs

    Nila Morgan, For Senior Voice|Jun 1, 2017

    Are you aware that Medicare works with the State of Alaska to provide assistance programs that can help with your Medicare costs? These costs can include your Medicare Part A & Part B premiums deductibles, coinsurance charges and copayments. These programs are available to all Medicare beneficiaries. There are three programs known as the Medicare Savings programs (MSPs), each having different income limits and resource parameters. The income and asset qualifications are different if you are...

  • Medicare offering more free tests and services

    Nila Morgan, For Senior Voice|May 1, 2017

    Are you aware that if you have Medicare Part B you are eligible to receive a large number of preventive services that will cost you nothing? Medicare’s goal in offering these preventive screenings is to find health problems early when treatment works best. Under Medicare Part B, preventive services are part of your benefits and you will pay no co-payment if you get the services from a provider who takes assignment. Taking assignment means that this provider has an agreement with Medicare to a...

  • Volunteer brings Medicare information to you

    Nila Morgan, Alaska Medicare Information Office|Aug 1, 2014

    The Medicare Information Office is pleased to announce that the first volunteer has completed the Senior Medicare Patrol (SMP) Foundations Training and the Group Presentation Training. Ms. Sharon White-Wheeler has recently completed both preparatory trainings. This puts the SMP on track to begin offering the Medicare Minutes program starting this fall. The Medicare Minutes program is intended to help the Senior Medicare Patrol reach people under the age of 65 with Medicare with good information...

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