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When you have Medicare and another source of health care insurance coverage, you may at some point wonder, “Who pays first?” If you are like me, my first thought goes to the classic Abbott and Costello comedy routine, “Who’s on first?” and that is a much funnier topic. But with Medicare and other coverage, such as that offered by your employer, knowing which coverage is considered primary (and which then is secondary) can help to fully understand your covered insurance claims. Point 1: The di...
Preventive health care is care you receive to prevent illness, detect medical conditions, and keep you healthy. Medicare covers many preventive health care services, including routine vaccines. Today I will discuss how the different parts of Medicare cover vaccines, along with some important notes about a few common vaccines. Point 1: Understand that most vaccines are covered by Medicare Part D If your provider recommends that you get a vaccine, in most cases this service will be covered by your...
I am a Certified Medicare Counselor working under SHIP. My office is in the Soldotna Senior Center, and I serve the state via phone. If you are local, I can help you as a walk-in. I am here Mondays through Thursday, 8 am to 3:30 pm. Call with your Medicare questions, 907-262-2322....
Hospice is not a place. And hospice care is not just about those who are dying. Hospice is a comprehensive, compassionate kind of care that focuses on living-hospice is about living as fully as possible, surrounded by family and friends, up until the end of life. Palliative care brings this special philosophy of care to people earlier in the course of a serious illness. Did you know that Hospice of Anchorage is a volunteer hospice? Did you know there are three Medicare hospice providers serving...
Established in 1968, OPAG is a nonprofit membership organization dedicated to improving services, developing programs, educating, promoting and implementing changes to help Alaska seniors live healthy, productive lives. Current programs: - publish the monthly Senior Voice newspaper - publish and distribute the Directory for Older Alaskans senior resource directory - provide information and referral services for Social Security, Medicare, Medicaid, Affordable Health Care Act and other senior issues - organize monthly Providers' Breakfast...
In this month's article, I will discuss Medicare's coverage of durable medical equipment, which is called DME for short. It is equipment that helps you complete daily activities. This category is also sometimes labeled more inclusively as DMEPOS for durable medical equipment, prosthetics, orthotics, and supplies. Medical equipment to help you daily Durable medical equipment (DME) are items that help you complete your daily activities including a variety of items, such as walkers, wheelchairs,...
I am a Certified Medicare Counselor working under SHIP. My office is in the Soldotna Senior Center, and I serve the state via phone. If you are local, I can help you as a walk-in. I am here Mondays through Thursday, 8 a.m. to 3:30 p.m. Call with your Medicare questions, 907-262-2322....
Older adults are expressing their discontent with medication barriers. A large majority of older Americans feel that health insurance, including Medicare, should cover anti-obesity medications, according to a new University of Michigan study. More than half of older adults who meet criteria for obesity said they were interested in trying one of these drugs to manage their weight. Current law prevents Medicare from covering medications to treat obesity, and most private plans don’t cover the m...
Personally, I'm one for three in the mix. I am 78 so I have been on Medicare for years, but so far (knock on plywood-I'm in my home office) I have not had to sign up for SNAP or Medicaid. I have been very lucky in that my personal resources have been enough. But who knows what the future holds for us as individuals or for the programs as a whole? Suffice it to say that at this point on the program side it is not looking too rosy. Here's the big picture, and I'll just editorialize that we...
Dear Savvy Senior: My local Social Security office was recently shut down because of staff layoffs and large-scale downsizing by the Department of Government Efficiency. All this disruption makes me very nervous, as I’ll be applying for my Social Security retirement benefits later this year. My question is, how are we supposed to get help with our Social Security questions or problems now that our office is permanently closed? What can you tell me? –Anxious Aaron Dear Aaron: I’ve been getting a lot of questions on this very topic. The Socia...
There is a funny scene in a British sitcom called “The IT Crowd,” in which woman is trying to explain to her nerdy, clueless co-workers — both men — that she is having her monthly menstrual cycle, by using the euphemism “Aunt Irma has come to visit.” They, of course, don’t get it, so she tries others, my favorite being “I’ve fallen to the Communists” (to which one co-worker grudgingly admits that “they do have some strong arguments”). As a biological male I have never had to experience that part...
The Social Security Administration has updated recently announced measures to verify the identities of recipients and applicants. In-person identity proofing for people unable to use their personal my Social Security account for certain services will be effective April 14. “We have listened to our customers, Congress, advocates, and others, and we are updating our policy to provide better customer service to the country’s most vulnerable populations,” said Lee Dudek, the agency’s acting commissioner in a media statement. “In addition to extend...
Dear Savvy Senior: What can you tell me about service dogs for seniors with disabilities? My 67-year-old father has chronic arthritis and Parkinson's disease, and I'm wondering if an assistance dog could help make his life a little easier. -Dog Loving Leah Dear Leah: For people with disabilities and even medical conditions, service dogs can be fantastic help, not to mention they provide great companionship and an invaluable sense of security. But be aware that service dogs can be very expensive...
Our Congress wrote legislation which was intended to reinforce the opportunity to enroll into Medicare when first eligible (if a delayed enrollment, such as when you are covered by your employer’s healthcare plan). This was done by adding a ten percent (10%) additional amount to the Part B monthly premium, for each 12-month period without fully enrolled Medicare coverage. Also, for individuals and couples filing jointly who may have greater annual modified adjusted gross incomes, an Income-Relat...
Hawaii faces challenges as its population of Elders, or kūpuna, age 75 and older surges, consuming more resources than they bring in. This group of "super-aged" is the subject of a recent report that describes the situation and outlines what awaits the state. One in four Hawaii residents will be over 65 in 2035, and by then the state's super-aged population will number 219,000. The report, "Aging and Hawai'i's Generational Economy," examined how much every age group consumes in private and...
This month’s article provides an overview of Medicare coverage in 2025. The 2025 edition of the “Medicare & You” handbook provides much greater detail than is provided in this article; if you do not have a copy, please contact the Medicare Information Office and we are happy to provide one. This handbook is available as an eBook, as well as in large print, audio version, and in Braille. The “Medicare & You” handbook has also been translated into Arabic, Chinese, Korean, Russian, Spanish,...
Medicare coverage is good, but it is not all-inclusive. There are many things that Medicare does not cover. For example, Medicare does not cover most dental, vision and hearing care, including hearing aids. Nor does it cover most non-emergency transportation or care outside of our country. Even when Medicare covers your care, there may be costs left to you, like copays and coinsurances—these costs can add up. An example, for an outpatient visit to a physician who accepts the assigned billing r...
Preventive care helps avoid illness, detect medical conditions, and keep you healthy. A preventive medical service is conducted when you have no prior symptoms of disease. In contrast, diagnostic services address symptoms or conditions that you already have. In this month’s article I will describe how Medicare covers preventive care. Medicare covers preventive services Medicare’s Part B outpatient care covers many preventive services, such as screenings, vaccines, and counseling. To find out...
Medicare can be confusing for anyone. It is easy to misunderstand Medicare eligibility or the best time to enroll in the various parts of Medicare. The factors around Medicare eligibility and enrollment choices can be even more complicated for older people who were born outside the U.S. Immigrants may not have as much work history in the U.S., may have a variety of immigration statuses, or may have limited English proficiency—all making a potentially confusing process even more difficult. N...
From Oct. 15 through Dec. 7, I encourage you to review and, if needed, change your Prescription Drug Plan under Part D coverage. Changes you elect will become effective on Jan. 1. Certified Medicare counselors across Alaska can help you as part of the Medicare Information Office’s network of program Ambassadors, including through your local Aging and Disability Resource Center (ADRC). Give us a call, we would be glad to answer your questions, guide you through the process, and even complete t...
Alaska’s Medicare Information Office holds a webinar on the second Monday of each month, “Medicare Monday,” to discuss and answer questions related to Medicare. The October session is on Oct. 14, from noon to 1 p.m., and the topic will be Part D prescription drug plan open enrollment. After a brief presentation, the meeting is open for Q&A. Anyone can attend via Zoom or phone call (must dial in using Zoom number). Registration is required, upon which the Zoom address is sent. To register, visit http://alaska.gov/go/7V6X. For more infor...
For those of us enrolled into Original Medicare (Parts A and B), most of us have also enrolled into one of Medicare’s Part D Prescription Drug Plans (PDPs). Each year, we may make changes to this prescription coverage during Medicare’s Open Enrollment period, which runs from Oct. 15 through Dec. 7, for changes which will then go into effect from Jan. 1 onward. Leading up to this Open Enrollment, you will start to receive notices with information relating to any changes in your plan for the com...
Dear Savvy Senior: I’m going to retire in a few months and need to get some temporary health insurance until I can enroll in Medicare at age 65. What are my options? — Early Retiree Dear Early: There are several places early retirees can find health insurance coverage before Medicare kicks in, but the best option for you will depend on your income level, your health care needs and how long you’ll need coverage for. Here’s where to look. Affordable Care Act. For most early retirees who aren’t yet eligible for Medicare, the Affordable Care Act...
As Americans and as Alaskans, we share in the health care program costs of our Medicare, both through our federal income taxes and through the cost sharing paid by individuals enrolled into Medicare. But for some Alaskans with low income and low assets, these costs can be a significant part of the monthly budget – there are programs which can help save you money. In this month’s article, I will introduce the Medicare Savings Program (MSP), which can help with the bills for Original Medicare (as...
Dear Savvy Senior: I need to hire a good in-home caregiver to help my elderly father who lives alone. What’s the best way to do this? —Searching Sarah Dear Sarah: Finding a good in-home caregiver for an elderly parent is not always easy. How can you find one that’s reliable and trustworthy, as well as someone your parent likes and is comfortable with? Here are some tips that can help. Know his needs Before you start the task of looking for an in-home caregiver, your first step is to determine the level of care your dad needs. For examp...
