Latest news with #SHIPs
Health Line
29-07-2025
- Health
- Health Line
What Is A Medicare Advocate?
A Medicare advocate can help you understand Medicare and your rights under the various plans. They can also help with coverage, enrollment, appeals, and eligibility for other programs. It is important to have an unbiased source to turn to for help navigating Medicare, and a Medicare advocate can fill this role. A Medicare advocate can help both beneficiaries and their caregivers even before someone becomes eligible for Medicare. They can help them decide on the type of coverage they need, guide them through the enrollment process, and ensure they get all the benefits to which they are entitled. They can also help them feel empowered to make confident healthcare decisions. Medicare and Medicare Advocates Medicare is available to most people age 65 and over and to some people under age 65 with specific medical conditions. Medicare can be a complex area to navigate. Having knowledgeable people and organizations to help you is vital to ensuring you get the best care. Advocates can help: bridge the gaps between Medicare beneficiaries and healthcare professionals and facilities find the right plan for your inpatient and outpatient care needs get answers to questions relating to your plan benefits, coverage, out-of-pocket costs, and limits raise appeals to coverage decisions make sense of complex Medicare rules and regulations empower you with information on your rights under Medicare Who are Medicare Advocates? Local and state-specific organizations may advocate for Medicare beneficiaries. You can contact your state office to find the services available to you. However, one of the main places to get information and access advocate services is through the State Health Insurance Assistance Program (SHIP). State Health Insurance Assistance Program (SHIP) SHIPs offer free, impartial Medicare advice and counseling. They are federally funded by the Administration for Community Living, and its Office of Healthcare Information and Counseling (OHIC) manages SHIP on its behalf. SHIPs work with individual state offices and local agencies to create community-based counselor networks that can provide help in person and over the phone. They also use multimedia sources to educate people about Medicare. You can find your regional SHIP center using their office locator tool or by calling 877-839-2675. Medicare contacts and self-help toolkits The Center for Medicare Advocacy offers many self-help toolkits on Medicare coverage, appeals, and rights. If you need further help and advice, here are some of the avenues available to you. The Medicare beneficiary ombudsman The Medicare Beneficiary Ombudsman can help with Medicare-related complaints, grievances, and information. The service ensures your rights and protections are upheld and that your concerns are addressed. If you are experiencing difficulties with Medicare or your plan, you can contact Medicare at 800-633-4227 (TTY: 877-486-2048), who will forward your query to the Medicare Beneficiary Ombudsman. The beneficiary and family-centered care quality improvement organization (BFCC-QIO) The BFCC-QIOs are there to review Medicare complaints and monitor your care quality. BFCC-QIOs aim to improve Medicare's overall service quality and can help you: lodge an appeal raise and complaint or grievance review your care quality review the medical necessity of procedures, items, or services Livanta or Acentra administers the BFCC-QIO on Medicare's behalf. Which one will depend on the state in which you live. Livanta administers BFCC-QIO in the following areas: California Nevada Arizona Nebraska Kansas Iowa Missouri Minnesota Wisconsin Illinois Indiana Michigan Ohio West Virginia Virginia District of Columbia Maryland Pennsylvania Delaware New Jersey New York Hawaii Northern Mariana Islands American Samoa Guam Puerto Rico Virgin Islands Acentra administers BFCC-QIO in the following areas: Alaska Washington Iadho Oregon Montana North Dakota South Dakota Wyoming Utah Colorado New Mexico Texas Oklahoma Louisiana Arkansas Mississippi Tennessee Kentucky North Carolina South Carolina Alabama Georgia Florida Maine New Hampshire Massacheusetts Connecticut Rhode Island Vermont State survey agencies State survey agencies oversee and inspect Medicare and Medicaid healthcare facilities. They also investigate complaints to ensure the facilities are adhering to health and safety criteria. State survey Agencies can help if you have concerns about inappropriate or unsafe conditions in a hospital, hospice, nursing home, or home health agency. You can also contact them about the treatment or services that you or someone else received or did not receive in a healthcare setting, including but not limited to: abuse neglect mistreatment Contact your State Survey Agency for more information. About Medicare Medicare is a type of government-funded health insurance that provides medical benefits to people ages 65 and older. Some people under age 65 may qualify for Medicare, including: those with a disability who have been getting Social Security disability benefits for 2 years people with a disability pension from the Railroad Retirement Board (RRB) those with amyotrophic lateral sclerosis (ALS) or end stage renal disease (ESRD) and receive dialysis or have undergone a kidney transplant How is Medicare funded? Taxes, premiums that you pay for some parts of Medicare, investments, and other funds that Congress authorizes fund Medicare. Medicare can be your primary insurer, or you can use it alongside another health insurance plan. What are the different parts of Medicare? Here's how the different parts of Medicare work. Original Medicare Original Medicare comprises Part A and Part B. Part A covers inpatient care, and Part B covers outpatient medical services and limited prescription medications. An advocate can help you… understand Original Medicare's enrollment periods find the best time to enroll in Medicare Part B understand the out-of-pocket expenses associated with Original Medicare learn how to file a Medicare claim lodge an appeal about a claim or payment decision understand what's covered and what's not covered under Original Medicare Medicare Part D prescription drug plans Medicare Part D prescription drug plans cover take-home prescription medications. An advocate can help you… find out if you already have creditable coverage find the best time to enroll in a Part D prescription drug plan understand the prescription drug coverage you need look for Part D prescription drug plans available in your area Medicare Advantage (Part C) Medicare Advantage plans include all the benefits of parts A and B, often include take-home prescription medications, and also typically include coverage for extra benefits like fitness, vision, or dental. Private insurers administer Part D prescription drug plans and Medicare Advantage plans, so the additional benefits, costs, and plan availability can vary by insurer and location. Medicare supplement (Medigap) plans If you have Original Medicare, you can get a Medigap plan to cover some of the associated out-of-pocket expenses. Private insurers also administer Medigap plans. Summary Medicare advocates are available to help ensure you get the correct coverage and benefits and that your rights are upheld under Medicare. SHIP centers, which are available across the United States, can help with many Medicare-related queries. Other local agencies and organizations may also be accessible to offer help. You can contact your local state office for further information. The information on this website may assist you in making personal decisions about insurance, but it is not intended to provide advice regarding the purchase or use of any insurance or insurance products. Healthline Media does not transact the business of insurance in any manner and is not licensed as an insurance company or producer in any U.S. jurisdiction. Healthline Media does not recommend or endorse any third parties that may transact the business of insurance.
Medical News Today
17-07-2025
- Health
- Medical News Today
Who can help me choose a Medicare plan?
Organizations such as State Health Insurance Assistance Programs (SHIPs) can help a person choose a Medicare plan specific to their needs. Alternatively, brokers and insurance agents can offer costs become an important part of financial planning, and as people age, the costs can become much typically become eligible for Medicare when they reach age 65 years, although they can qualify earlier if they have specific health conditions.A person typically starts preparing for Medicare before they become eligible, and choosing the right plan is to speak with about Medicare plansData from 2024 suggests that healthy 65-year-old male retirees have estimated healthcare costs of $281,000 in 2024. It also states that healthy female retirees of the same age have estimated healthcare expenses of $320,000 during their right Medicare plan is essential to managing these costs, and different tools and organizations can help individuals make the right choice for their an agent via MedicareA person can speak with a Medicare agent by calling 800-633-4227 (TTY: 877-486-2048).These representatives can answer any questions about Medicare plans and help people determine whether Original Medicare or a Medicare Advantage plan may suit their needs plan finderThe Medicare plan finder provides different plan information based on a person's can browse the options available in their own time and even enroll online once they have and insurance agentsBrokers and insurance agents will be able to offer advice on Medicare Advantage brokers typically work with several different insurers and will likely have a wide range of plans and benefits to discuss. However, their recommendations may favor insurers that offer greater agents can help people choose between Medicare Advantage plans, although they generally only work for specific insurers. If a person has a preference for a specific company, an agent may be able to help them choose the right plan with that to choose a Medicare planThe following organizations can help a person with their Medicare Health Insurance Assistance Programs (SHIPs)SHIPs provide free and impartial advice, counseling, and assistance to people new to Medicare, their families, and do not offer Medicare or Medicare Advantage plans themselves, but they can offer advice in any U.S. state. Certified SHIP counselors can help individuals with:familiarizing themselves with their healthcare options, such as which specific insurance benefits they needunderstanding the basics of Medicare, including determining whether they are eligiblegetting to know the types of out-of-pocket costs they can expectunderstanding their rights regarding Medicare coveragecontacting agencies that can provide more generalized helpmanaging medical complaintsunderstanding Medicare billingA person can visit their regional SHIP office or call SHIP at 877-839-2675 for further helpOther Medicare advice services may be available in a person's example of this is My Care, My Choice, which is an online tool for people eligible for Medicare and Medicaid in California, Illinois, Michigan, and service can help individuals understand their coverage options and how Medicare and Medicaid can work can access the My Care, My Choice website and select their state for specific questionsThe following are some questions that can help start a discussion about Medicare coverage:What services might someone need now and in the future?What budget does someone need for monthly premiums and other out-of-pocket expenses, such as deductibles, copayments, and coinsurance?Does a person need coverage for prescription medications, or might they need it in the future?Does a person have any existing insurance that will cover some of the services Medicare does not?Will they be happy to visit specific healthcare professionals and facilities, or would they prefer the freedom to choose who they visit?Will they need coverage in multiple states or throughout the U.S.?Will they require international coverage?Does a person want to pay lower premiums if they have a higher deductible?Would they prefer to pay higher premiums with a lower deductible?SummaryPlanning for future healthcare needs is important, and factoring in Medicare costs can be an effective financial are many ways to research all of the Medicare options, but there are also people, places, and organizations that can insurance agents, brokers, or other more unbiased services can help you understand the information, choose a plan, and ensure you get the coverage you need.
