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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...
Women face unique challenges when preparing for retirement, from longer lifespans to income inequality and employment impacts from family caregiving. Considering these realities, women should prioritize early retirement planning and investment strategies to ensure financial security in their later years. Longer lives, lower earnings Statistically, women have a longer lifespan than men, which translates to additional years spent in retirement. Women age 65 or older can anticipate living until age 87, compared to age 84 for men. Income...
Medicare is the federal government program that provides health insurance to those age 65 and older or those under 65 with certain disabilities or chronic conditions. Medicare programs and policies are regulated by the Centers for Medicare and Medicaid Services (CMS). When you are new to Medicare, there can be a lot to learn about your enrollment and coverage choices. At least for now, there are no Medicare Advantage programs available to Alaskan residents (also known as Part C of Medicare), so...
This month’s article begins with a recommendation to prepare documentation of your personal desires as related to your medical situation and future health care needs. These can help convey your intentions should you not be able to voice them yourself. Next, a reminder that Medicare only provides coverage for services and equipment deemed medically necessary – you might find yourself in need of additional help with activities in your daily life. Finally, a mention regarding how hospice care pro...
In 2022, there were 53,692 veterans living in Alaska, making it the number one state with retired American military. While that's a 25.25 percent decrease since 2012, the statewide population total of 733,583 state population of that same year, means 10.10 percent of the adult civilian population in Alaska were considered veterans. Looking after soldiers Joint Base Elmendorf/Richardson Retired Soldiers Council has a free newsletter, “Soldier for Life,” which can be viewed on its Facebook page at www.facebook.com/Alaska.Milit...
This month’s article will focus on how Medicare may work with health benefits for federal employees, retirees and annuitants. Employees and retired employees of the federal government are eligible for Federal Employee Health Benefits (FEHB) coverage, subject to those positions that are excluded by law or regulation. Currently this includes employees of the U.S. Postal Service. The Office of Personnel Management administers the FEHB program. When someone becomes eligible for Medicare, most c...
I think the snowy winters in Michigan, where I was raised, prepared me for Alaska. After 40 years in Alaska, I considered myself an Alaskan and Anchorage is home. I came to Alaska in the late 1970s to work for what was then the Division of Family and Youth Services (DFYS). After living in large cities as a young adult, (Washington, DC, Chicago, and San Francisco) my family members were surprised when I headed to Alaska. I worked in the Dept. of Health and Social Services, Dept. of Regional...
As the Alzheimer's Association Alaska Chapter, our mission is to improve the lives of individuals affected by Alzheimer's disease and other forms of dementia. We continuously advocate for comprehensive care services that address the diverse needs of patients and their caregivers. Code 99483 is currently covered for Alaska Medicare patients, but not for Alaska Medicaid patients. The inclusion of 99483 in Alaska's approved Medicaid billing code list would ensure enhanced care for Alaskans with cognitive impairment. Code 99483 represents a...
Dear Savvy Senior: Who should be screened for lung cancer and how is it covered by Medicare? I used to smoke but quit many years ago and am wondering if I need to be tested. – Just Turned 65. Dear Just Turned: Even if you haven’t touched a cigarette in decades, you could still be due for an annual lung cancer screening, based on new recommendations from the American Cancer Society. The new guidelines state that adults ages 50 to 80 who currently smoke or used to smoke the equivalent of one pack a day for 20 years should get an annual low...
Prescription Drug Plan coverage is a valued element within Medicare. Known more commonly as Part D of Medicare, these policies are offered by privately managed insurance companies, and regulated both by the State of Alaska’s Division of Insurance along with the national Centers for Medicare and Medicaid Services (CMS). The cost of your Medicare Part D-covered drugs may change throughout the year. If you notice that your drug prices have changed, it may be because you are in a different phase of...
I am a Certified Medicare Counselor working under SHIP. My office is in the Soldotna Senior Center, but I serve the state via phone. If you are local, I can help you as a walk-in. I am here Mondays through Thursdays, 8 a.m. to 3 p.m., and Fridays, 8 a.m. to noon. Call with your Medicare questions, 907-262-2322....
Editor’s note: AGEnet President Marianne Mills testified to the Alaska State Senate Finance Committee in Juneau on Feb. 20. Here is the text of her testimony. My name is Marianne Mills and I am the president of AGEnet, Alaska’s association of senior service providers. AGEnet stands for Alaska Geriatric Exchange Network, primarily made up of private non-profit organizations founded in Alaska. AGEnet’s goal is to help older Alaskans age in place, supporting them to live safely in their own homes and communities for as long as possible and avoid...
If you or a loved one are receiving in-patient medical care, there comes a time when that care will end. Hopefully, this is because the patient is ready for discharge, but sometimes, the patient is notified that care will be discontinued, possibly due to a notice from Medicare. You have a right to appeal this decision. What if my medical care ends too soon? If you are receiving care in a hospital or non-hospital setting and you learn that your care is going to end, you have the right to a fast,...
Medicare coverage and costs change each year, so it’s important to understand and review your benefits. Here’s an overview of what’s new in 2024. Medicare Part A and Part B costs in 2024 Medicare Part A covers inpatient hospital services, skilled nursing facility services, home health care, and hospice. Most people don’t owe a premium for Part A, but if neither you nor your spouse have 10 years of Social Security work credits, you may owe a monthly premium. If you’re admitted to the hospital...
