Articles written by sean mcphilamy

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  • Medicare and preventive care

    Sean McPhilamy, Alaska Medicare Information Office|Apr 1, 2022

    Preventive care is the care you receive to prevent illness, detect medical conditions and keep healthy. A service is considered preventive if you have no prior symptoms of the disease. In contrast, diagnostic services address symptoms or conditions that you already have. Today we will discuss how Medicare covers preventive care. Medicare Part B covers many preventive services, such as screenings, vaccines, and counseling. A list of these services is available at: https://www....

  • Medicare decisions when you have other coverage

    Sean McPhilamy, For Senior Voice|Mar 1, 2022

    Medicare-related decisions can be quite challenging, especially when you or your spouse areabout to turn age 65, during your Initial Enrollment Period. The decisions can be even more complicated when you have other health insurance coverage. Deciding if and when to enroll in the various parts of Medicare, when you are first eligible, is an important choice, including how to avoid potential penalties or gaps in coverage. Most people enroll into Medicare Part A (hospitalization insurance) as this...

  • Overview of Medicare benefits for 2022

    Sean McPhilamy, For Senior Voice|Feb 1, 2022

    Your Medicare costs and coverage can change every year; this year is no exception. Here is an overview of changes and opportunities to consider. Medicare Part A Part A inpatient hospital services, skilled nursing facility services, home health care and hospice are covered by Medicare Part A. Most people do not owe a premium for Part A. If you have less than 10 years of Social Security work credits, you may owe a monthly premium, depending on the number of years worked. If you are admitted to...

  • Medicare covers some genetic testing

    Sean McPhilamy, For Senior Voice|Jan 1, 2022

    Medicare may include coverage of diagnostic-level genetic testing for patients when the test is ordered by a physician, as long as certain requirements are met. Genetic tests of this sort are performed in order to help identify medical traits which may be cancer-related. The development and availability of genetic tests continues to evolve, especially in the diagnosis and early treatment of many diseases. Tests of this sort may be able to confirm or eliminate an appropriate diagnosis, far...

  • What vaccines does Medicare pay for?

    Sean McPhilamy, For Senior Voice|Dec 1, 2021

    Preventive healthcare is care you receive to prevent illness, detect medical conditions, and keep you healthy. Medicare covers many preventive healthcare services, including vaccines. Today I will discuss how the different parts of Medicare cover vaccines, along with some important notes about a few common vaccines. Part D coverage If your provider recommends that you get a vaccine, in most cases this service will be covered by your Part D prescription drug plan. Part D plans must include most c...

  • Choosing a Medigap policy that works for you

    Sean McPhilamy, For Senior Voice|Nov 1, 2021

    As you may know, Original Medicare Part B covers 80 percent of the cost of most health care needs. But what about the remaining 20 percent, or even the other out-of-pocket costs like deductibles or copayments? This is where supplemental insurance plans, also known as Medigaps, help to bridge the difference in costs. For some who already have other health insurance, such as for some company retirees, you are already adequately covered. For others, Medigaps can really help. Understanding Medigaps...

  • Time to review and compare your Medicare drug plan

    Sean McPhilamy, For Senior Voice|Oct 1, 2021

    The end of another summer is fast approaching and one thing that means is Medicare’s Open Enrollment Period (OEP) will be happening soon. Each year from Oct. 15 through Dec. 7, you can make changes to your Medicare insurance here in Alaska, primarily if you have Prescription Drug (also known as Part D) coverage, in order to meet your needs for calendar year 2022. As long as you make your decision and request any coverage changes by Dec. 7, the insurance coverage will be effective on January 1...

  • Be on the lookout for these important Medicare notices

    Sean McPhilamy, For Senior Voice|Sep 1, 2021

    You can make changes to your Medicare coverage each year during Medicare’s Open Enrollment Period, which runs Oct. 15 to Dec. 7. Beginning in September, you may receive notices with information about possible changes to your coverage for the coming year. Please read these notices, as these can help you decide if you should make changes to your coverage during Medicare’s Open Enrollment Period. Medicare and You If you are currently enrolled in Medicare, watch for the 2021 Medicare & You handbook...