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As a primary care doctor, I believe Alaskans must understand that a critical portion of our Medicare dollars is bleeding away into privately held corporations, which inherently value profits over people. Recently, Direct Contracting Entities (DCEs) have been tapping into the Medicare trust. This is money held in trust by the federal government, which in 2020 was valued at $937 billion. During the Trump administration, the Centers for Medicare & Medicaid Innovation (CMMI) vowed to pass all Medicare “risk” to “management” plans. “Risk” in this ca...
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...
Social Security and Supplemental Security Income (SSI) benefits for approximately 70 million Americans will increase 5.9 percent in 2022, the Social Security Administration announced in October. The 5.9 percent cost-of-living adjustment (COLA) will begin with benefits payable to more than 64 million Social Security beneficiaries in January 2022. Increased payments to approximately 8 million SSI beneficiaries will begin on December 30, 2021. (Note: Some people receive both Social Security and SSI benefits). The Social Security Act ties the...
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...
Get help through the Medicare maze from experts at the Alaska Medicare Information Office. Call to learn more about their “Medicare Monday” and other online trainings in October, which can be attended by phone or by webinar or Zoom. Call 907-269-3680 in Anchorage or toll-free statewide, 1-800-478-6065....
Making omelets for a group of people is often a messy process, inevitably breaking a lot of eggshells. Ingredients can be changed hundreds of ways to experiment and adjust flavors. Ultimately, if it’s done well, the result is a delicious omelet concoction at the end of the kitchen adventure. Democratic lawmakers on Capitol Hill are attempting to make legislative omelets with numerous committees getting their hands in the mix – and lots of eggs are getting broken along the way as they work to pass the most ambitious domestic agenda in more tha...
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...
It’s never too late to get active A study in more than 30,000 heart patients shows that becoming active later in life can be nearly as beneficial to survival as continued activity. “These encouraging findings highlight how patients with coronary heart disease may benefit by preserving or adopting a physically active lifestyle,” says study author Dr. Nathalia Gonzalez of the University of Bern, Switzerland. This study investigated activity levels over time and their relationship to the risk...
Dear Savvy Senior: Can you tell me about stomach aneurysms? My father died from one about 10 years ago and I’m wondering if that can increase my risk of developing one myself. - Almost 60 Dear Almost: While you don’t hear much about them, stomach aneurysms, also known as abdominal aortic aneurysms, are very dangerous and the 10th leading cause of death in men over 55. They also tend to run in families, so having had a parent with this condition makes you much more vulnerable yourself. An abdominal aortic aneurysm (or AAA) is a weak area in the...
Reversing Trump's limits on fines The Biden administration recently quietly reversed a controversial Trump administration policy that had limited the fines levied on facilities that endangered or injured residents at nursing homes. While the numbers of deaths have plummeted since the release of vaccines, inadequate staffing, protective equipment shortages and poor infection control remain significant concerns at most of the nation’s 14,000 skilled nursing facilities, advocates say. The Trump policy favoring lower penalties was adopted in 2...
What are the chances that you will need services like these at some point in your life? - nursing home - assisted living - home health care - homemaker and chore services It turns out that the chances are quite good. The WA Cares Fund – a new program in the State of Washington, discussed below -- estimates that 7 in 10 Washingtonians over the age of 65 will need long-term services and supports within their lifetimes. That seems to parallel comparable national estimates. More to the point, these services can be extremely expensive. For e...
“Age Smart – Let’s Talk”, the series of forums sponsored by AARP Alaska, Older Persons Action Group and the Anchorage Senior Activity Center, returns Sept. 14, from 6:30 to 7:30 p.m. Events are currently held virtually on the internet, using Zoom. This month’s topic focuses on Alaska’s Medicare Information Office: What it is and how they can help with all things Medicare-related. The timing is good, with the annual Open Enrollment for Part D drug plans starting in October. The “Age Smart – Let’s Talk” series is a monthly forum that focuses...
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...
Dear Savvy Senior: How does Medicare cover in-home health care? My husband has a chronic health condition that makes it very difficult for him to leave the house, so I’m wondering if he could qualify for Medicare home health care. — Seeking Help Dear Seeking: Medicare covers a wide variety of part-time or intermittent in-home health care services to beneficiaries in need, if they meet Medicare’s criteria. Here’s how it works. In order for your husband to secure coverage for home health care, Medicare first requires that he be homebou...
If someone you love is suffering from Alzheimer’s, the most common form of dementia, wouldn’t you do everything possible to help them? What about if the medicine you give them has questionable usefulness or potentially dangerous side effects and costs a fortune? That’s a question millions of people may face soon. The Food and Drug Administration (FDA) recently approved Aduhelm, also called aducanumab, in June, in one of its most contentious decisions. This came eight months after a harsh rejection of the treatment by an FDA advisory commi...
Seniors are known nationally for being “super voters”. But many voters find it challenging to understand and evaluate the issues and candidates. Hence this series has been created to dive into civic issues to help our Alaskan seniors, friends and families become more familiar with some issues that should be considered when casting a vote. In this series, we will start by focusing on campaign finance. In the next few columns, we will identify some of the problems that currently exist in our political system, provide history about how these probl...
In the past, you may have had trouble navigating the maze of Medicare. Here are some helpful strategies to avoid, identify and solve Medicare issues that you may encounter. Know your coverage Medicare coverage rules can be complicated. My advice is to not become overwhelmed. Before receiving a service, you do not need to be a Medicare specialist. My recommendation is to check to make sure Medicare covers the service and if there are any steps you must take prior to receiving it. If Original Medicare, your employer-provided retiree benefits...
Dear Savvy Senior: I just found out I have stage 1 hypertension and my doctor recommended I get a home blood pressure monitor to keep an eye on it. Can you offer me any tips on choosing a good one? - Hypertensive Helen Dear Helen: It’s a smart idea. Everyone with elevated or high blood pressure (stage 1 and higher) should consider getting a home blood pressure monitor. Home monitoring can help you keep tabs on your blood pressure in a comfortable setting. Plus, if you’re taking medication it will make certain it’s working, and alert you to a...
Five ways to apply for Social Security benefits online Social Security continues to make it easier for you to access our programs and benefits. Our website offers a convenient way to apply for benefits online. You can apply online for: Retirement or Spouse’s Benefits. You must be at least 61 years and 9 months in age and want your benefits to start in no more than four months. Apply at www.ssa.gov/retireonline. Disability Benefits. You can use our online application, available at www.ssa.gov/disabilityonline, to apply for disability benefits i...
ANALYSIS As the nation emerges from the coronavirus pandemic, telemedicine has transformed how millions of Americans, particularly seniors, see their doctors. Now the Biden administration and Congress must decide whether video and audio appointments with doctors should continue as a routine part of health care and should get federal reimbursement. Telemedicine, also called telehealth, has been the most significant health care shift caused by the pandemic. Before coronavirus, lawmakers had tightly restricted the kind of video and audio visits...
A strong and growing labor movement is good for workers and for all Americans. The labor movement has been and continues to be the leading force in the fight to strengthen Social Security, Medicare and Medicaid, ensuring a measure of retirement security for all Americans. Our country, our democracy, and our people benefit when workers have a strong voice at work and are able to join together to build a more secure future for their families and their communities. Union jobs often come with negotiated defined benefit pensions which ensure...
Every Medicare beneficiary has the right to appeal a denial of coverage for services or items made by Medicare. However, there are some things you should know. First, you need to understand why Medicare denied coverage in the first place. Then you need to build your case for the appeal and begin the process. You need to understand that there are multiple levels of appeals you can go through if your first decision is denied and each of these has their own timeline associated. Why was your item or service denied coverage by Medicare? Make sure...
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 Anchorage and the surrounding areas as well? W...
President Joe Biden has laid out a long list of policy priorities - some more politically plausible than others. But what he left out of his sweeping infrastructure and family relief proposals – drug pricing reform, among other things – is as important as what he included. Biden, who served in the U.S. Senate for 36 years and as vice president for eight more, understood the politics of coronavirus and was able to successfully shepherd his pandemic relief bill through Congress, with only Democrat...
Many individuals with Medicare find themselves struggling to pay the various costs associated with monthly premiums or prescription drugs. Fortunately, there are a number of different programs available to help. Medicare Savings Program The Medicare Savings Program (MSP), or Medicare Buy-in, is a program to help with paying Medicare premiums. There are three different programs you may be qualified for based on your income and assets. These programs are administered through the State of Alaska Division of Public Assistance. If you think you may...
