Aetna Medicare – Page 2 – Total Benefit Solutions Inc

What is your Medicare Part D ANOC?

September 30, 2023September 30, 2023Ed MacConnell

The Annual Notice of Change (ANOC) is a document that Medicare Advantage and Medicare Part D prescription drug plans are required to send to their members every year. The ANOC outlines any changes in coverage, costs, and more that will be effective in January 1. If you’re enrolled in a Medicare plan, your plan will send you an ANOC each fall. The ANOC includes information about any changes to your plan’s coverage, costs, and service area that will be effective in January 1. It’s important to review the ANOC carefully to understand how your plan’s coverage and costs may change in the upcoming year. If you have any questions or concerns about the changes, you can contact… Read More

Employer’s Guide to Medicare Compliance

September 25, 2023September 26, 2023Wendy Lopez

Medicare is a critical healthcare program in the US, covering seniors and certain disabled individuals. Employers offering group health insurance to Medicare-eligible individuals must meet specific requirements. In this blog, we’ll discuss three key Medicare requirements for employers: Employers must ensure compliance with these Medicare regulations to provide necessary healthcare information and process claims correctly. This ensures employees receive the coverage they’re entitled to. For comprehensive information and resources, refer to our PDF document below. Meeting these obligations supports employee well-being and eases healthcare coverage complexities. As always, if you have any questions or concerns about this bulletin, please contact your Medicare health insurance experts at Total Benefit Solutions, Inc.… Read More

COBRA and Medicare: Complementary Health Insurance Explained

September 21, 2023September 21, 2023Wendy Lopez

In today’s rapidly changing job landscape, it’s not uncommon for individuals to find themselves eligible for both Medicare and COBRA simultaneously. This dual eligibility can be a bit bewildering, but understanding how these two crucial insurance options interact is vital to making informed decisions that could impact your finances and peace of mind. Let’s delve into the intricacies of how COBRA works with Medicare and explore the options available to you. COBRA Unveiled First, let’s demystify COBRA. The Consolidated Omnibus Budget Reconciliation Act (COBRA) is a federal program designed to provide a safety net for workers and their families. It allows you to maintain the health coverage provided by your… Read More

Choosing the Right Health Insurance: HMO vs. PPO

September 15, 2023September 15, 2023Wendy Lopez

When it comes to health insurance, understanding the differences between various plans is crucial for making an informed decision. Two common types of health insurance plans are Preferred Provider Organizations (PPOs) and Health Maintenance Organizations (HMOs). While both offer coverage for medical expenses, they have distinct features that can significantly impact your healthcare experience and costs. In this blog, we’ll explore three key differences between PPOs and HMOs to help you decide which one aligns better with your needs. 1. Network Flexibility: PPO: Preferred Provider Organizations are known for their expansive networks of healthcare providers. This includes a wide array of specialists and the option to seek care from out-of-network… Read More

Unlocking Medicare’s Potential: Top 3 Broker Benefits

September 13, 2023September 13, 2023Wendy Lopez

It’s that time of year again – the Annual Open Enrollment period for Medicare is almost here, and it’s a crucial opportunity you won’t want to miss. If you’re eligible for Medicare, this is your chance to make important decisions about your healthcare coverage. Here are some compelling reasons why you should take advantage of this opportunity: Expert Guidance: Navigating the world of Medicare can be a complex and overwhelming task. Fortunately, during the Annual Open Enrollment period, you can access personalized advice and guidance from experienced brokers who understand the ins and outs of Medicare. These professionals can help you make informed decisions tailored to your unique healthcare needs.… Read More

Who Needs Extra Protection During Flu Season?

September 11, 2023September 11, 2023Wendy Lopez

The flu season is upon us once again, and it’s time to make sure you and your loved ones are protected. The flu is more than just a pesky inconvenience; it can be a serious illness that leads to hospital visits and even death. By getting vaccinated, not only are you protecting yourself from getting sick, but you’re also playing a significant role in preventing the flu from spreading to others. Where to Get Your Flu Shot Getting a flu shot is convenient and accessible. You can receive one at your doctor’s office, your local pharmacy, or various clinics in your area. Plus, if you’re covered by Medicare, you’re in… Read More

How income affects your Medicare drug coverage premiums

September 8, 2023September 8, 2023Ed MacConnell

You could pay a higher monthly premium for Medicare drug coverage (Part D) depending on your income. This includes Part D coverage you get from a Medicare drug plan, a Medicare Advantage Plan with drug coverage, or a Medicare Cost Plan that includes drug coverage. This is true even if your drug coverage is through your employer. Download this bulletin to learn more about extra Medicare drug coverage premiums As always if you have any questions or concerns about this bulleting please contact your Medicare health insurance experts at Total Benefit Solutions, Inc (215)355-2121

How can I get help with my Medicare Part A and Part B premiums?

September 7, 2023June 27, 2023Ed MacConnell

(En español) States must help pay some of the Medicare costs for beneficiaries who have limited income and resources. Under these programs, states help pay for Medicare Part A and Part B premiums, deductibles and copayments. Some of these programs also pay additional Medicare expenses for elderly and disabled people. To find out if you are eligible for state help, contact your local medical assistance office. A representative can tell you the specific requirements and help you apply. If you have any questions or concerns please contact your Total Benefit Solutions, Inc Medicare health insurance specialist at (215)355-2121.

Navigating the 2024 CMS Final Rule: What You Need to Know

September 6, 2023September 6, 2023Wendy Lopez

The Centers for Medicare and Medicaid Services (CMS) have set the stage for significant changes with their Final Rule provisions for 2024, slated to take effect on September 30, 2023. These updates will play a pivotal role as we gear up for the 2024 Annual Enrollment Period (AEP). The main points of the new rules Stay Informed: For more insights on these changes and additional updates, please visit the full 2024 CMS Final Rule here. As always if you have any questions or concerns about this bulleting please contact your Medicare health insurance experts at Total Benefit Solutions, Inc (215)-355-2121

Medicare Diabetes Prevention Program: PDF Download

August 31, 2023July 12, 2023Wendy Lopez

Medicare covers a health behavior change program to help you prevent or delay type 2 diabetes. The program includes 22 group sessions with a behavior coach who works with you to make lasting diet and exercise changes. You’ll also get support to keep you motivated. For a comprehensive understanding of Medicare prevention programs, download this informative PDF today! As always if you have any questions or concerns about this bulleting please contact your Medicare health insurance experts at Total Benefit Solutions, Inc (215)-355-2121

Mark Your Calendars for These Crucial Medicare Dates!

August 28, 2023August 28, 2023Wendy Lopez

We’ve got some important dates coming up that you’ll want to circle on your calendars. Your Medicare choices are about to take center stage, and we’re here to help you navigate them like a pro! Pre-Annual Election Period (Pre-AEP) – Starting 10/1 Get ready to dive into the world of Medicare choices! The Pre-AEP is your head start, your chance to gather information and get prepared for what’s ahead. It’s like laying the groundwork for a solid plan that suits your needs. Medicare Annual Election Period (AEP) – Starting 10/15 This is the moment you’ve been waiting for! The AEP kicks off on October 15, and it’s your golden opportunity… Read More

Medicare Covers Diabetes Supplies & Services for Your Health

August 26, 2023July 24, 2023Wendy Lopez

Discover the power of Medicare, a federal health insurance program in the US designed for individuals aged 65 and older, as well as certain younger people with disabilities, providing access to essential medical services and supplies. Don’t miss the invaluable “Medicare Coverage of Diabetes Supplies, Services, & Prevention Programs” booklet available on Medicare.gov/publications. This comprehensive guide highlights coverage options for individuals with diabetes, including supplies and services, preventive programs, and access methods. Plus, it features a must-have checklist for your next doctor’s visit, empowering you to ask the right questions about treatments, preventive services, covered supplies, and lifestyle recommendations. Take control of your diabetes management and overall well-being with this… Read More

Medicare Diabetes Prevention Program

August 25, 2023August 25, 2023Wendy Lopez

If you have been diagnosed with prediabetes, it’s essential to take proactive steps to manage your condition and reduce the risk of developing type 2 diabetes. The good news is that there are programs available designed specifically to assist individuals like you in preventing or delaying the onset of type 2 diabetes. These programs often encompass a comprehensive approach that includes education, lifestyle modifications, and support systems tailored to your specific needs. Let us help, don’t miss this opportunity to take control of your health and potentially prevent the development of type 2 diabetes. Download this PDF for more information! As always if you have any questions or concerns about… Read More

Medicare Coverage of Home Health Care: Booklet

August 23, 2023July 12, 2023Wendy Lopez

This booklet describes the home health care services that Medicare covers, and how to get those benefits through Medicare. If you get your Medicare benefits through a Medicare health plan (not Original Medicare) check your plan’s membership materials and contact the plan for details about your Medicare-covered home health benefits. Download the Medicare Coverage of Home Health Care: Booklet to help you understand the home health services that Medicare covers and much more. As always if you have any questions or concerns about this bulleting please contact your Medicare health insurance experts at Total Benefit Solutions, Inc (215)-355-2121

Are You Up To Date on Your Preventive Services?

August 22, 2023August 22, 2023Wendy Lopez

Medicare covers a full range of preventive services to help keep you healthy and find problems early when treatment works best. Ask your doctor what services are right for you and use the document below to track appointment dates, times, and other important information. Download our Medicare check list sheet below to help you keep track of your Preventive Services! If you have any questions or concerns, please contact your Total Benefit Solutions, Inc Medicare health insurance specialist at (215)-355-2121.

4R’s for Fighting Medicare Fraud

August 21, 2023July 11, 2023Wendy Lopez

This comprehensive and insightful factsheet is specifically designed to equip individuals who are enrolled in Medicare with invaluable knowledge and effective measures to actively combat Medicare fraud. With a focus on promoting awareness and prevention, this factsheet not only educates beneficiaries about the various types of Medicare fraud but also offers practical advice and actionable steps to detect, report, and prevent fraudulent activities. By implementing the recommended measures outlined in this factsheet, individuals can actively participate in safeguarding the integrity of the Medicare program, ensuring that their healthcare benefits are utilized for their intended purpose while mitigating the risk of falling victim to fraudulent schemes. This factsheet provides a person… Read More

What’s New in the 2023 ACA Open Enrollment?

August 21, 2023August 21, 2023Wendy Lopez

The 2023 Affordable Care Act (ACA) Open Enrollment period is upon us, marking a significant milestone as Health Insurance Marketplaces open their doors for the tenth year. From November 1, 2022, to January 15, 2023, individuals and families have the opportunity to secure comprehensive healthcare coverage. In this blog post, we’ll delve into the key changes and updates for this year’s open enrollment, focusing on insights gathered from the Kaiser Family Foundation’s informative article titled “Nine Changes to Watch in Open Enrollment 2023” [source: www.kff.org/policy-watch/nine-changes-to-watch-in-open-enrollment-2023/]. As the ACA Open Enrollment enters its tenth year, changes abound, ensuring improved access, affordability, and assistance for individuals and families seeking healthcare coverage. Staying… Read More

Exploring the Traits of Medicare MSA Plans

August 16, 2023August 16, 2023Wendy Lopez

As the healthcare landscape continues to evolve, so do the options available for Medicare beneficiaries. One such option gaining traction is the Medicare Medical Savings Account (MSA) plan. Designed to provide a unique blend of control, flexibility, and financial freedom, the MSA plan is worth considering for those seeking a personalized approach to their healthcare needs. 1. High Deductible Health Plan (HDHP): Balancing Costs and Coverage At the core of the Medicare MSA plan is the High Deductible Health Plan (HDHP). This plan structure offers beneficiaries a way to balance out-of-pocket expenses with coverage. The idea behind the HDHP is that you’ll have a higher deductible to meet before your… Read More

Decoding Medicare Supplement Charts

August 15, 2023August 15, 2023Wendy Lopez

So, you’re on the quest to unravel the complexities of Medicare supplement plans, and in your journey, you’ve stumbled upon the elusive “Medicare Supplement Comparison Chart.” It’s like a mosaic of options, donning a variety of colors and fonts, yet each one is strangely reminiscent of the other. But what exactly are these charts? What secrets do they hold? Well, that’s what we’re here to uncover today. Cracking Open the Chart Imagine this: you’re face-to-face with a Medicare Supplement Comparison Chart. But what’s beneath the surface? Every column you see represents one of the ten available Medigap plans up for grabs – think Plans A, B, C, D, F, G,… Read More

CMS announces lower Medicare Part D premium for 2024

August 4, 2023August 2, 2023Wendy Lopez

According to an official statement by the Centers for Medicare and Medicaid Services (CMS) on Monday, the projected average total premium for Part D beneficiaries is anticipated to decrease by 1.8% in 2024. This reduction would bring the average monthly premium down to $55.50 from the 2023 figure of $56.49. The computed average monthly premium for Medicare Part D coverage in 2024, at $55.50, encompasses the combined average basic premium and the supplementary premium for plans featuring enhanced coverage. CMS emphasizes that this projection offers the most precise estimate of individuals’ 2024 Part D premium expenses. In addition to this update, CMS has disclosed several other important figures for the… Read More

Unlock Your Best Health: 5 Must-Know Tips & Tools!

August 2, 2023August 2, 2023Wendy Lopez

Five major tips and resources for maintaining overall health and wellness: Remember, it’s important to personalize these tips to your individual needs and consult with healthcare professionals before making significant changes to your lifestyle. We’re committed to providing exceptional support, so please don’t hesitate to reach out to our dedicated Total Benefit Solutions health insurance specialists at (215)-355-2121. We’re here to answer any questions or address any concerns you may have.

Top 10 Ways to Make Your Health Benefits Work for You

July 31, 2023July 31, 2023Wendy Lopez

Unleash the Full Potential of Your Health Coverage! Are you making the most of your health benefits? The Employee Benefits Security Administration (EBSA) administers crucial health benefit laws that cover employer-based health plans. These laws safeguard your rights to essential information about your health plan, guide you on qualifying for benefits and making claims, ensure continued health benefits during job transitions, and offer protections for special medical conditions. Start by exploring your health coverage options, delving into different plans, and matching them with your needs. Not sure if your plan covers mental health or substance use disorder services? We’ve got you covered with essential information on these benefits too! Your… Read More

CMS Issues Final Rule, Making changes to MA and Part D

July 27, 2023July 27, 2023Ed MacConnell

In April, the Centers for Medicare & Medicaid Services (CMS) issued a Final Rule regarding the Medicare Advantage (MA) and Part D programs. The Final Rule includes changes related to various aspects of those programs, including utilization management (UM) programs, Star Ratings, marketing and communications, health equity, provider directories, and network adequacy. Click here to read the bulletin

What is a Medicare MSA?

July 12, 2023July 12, 2023Wendy Lopez

Medicare MSA (Medical Savings Account) is a specific type of Medicare Advantage plan available in the United States. However, please note that policies and plan names may change over time, so it’s important to consult official sources for the most up-to-date information. A Medicare MSA is a high-deductible health plan (HDHP) that works in conjunction with a medical savings account. It combines a high-deductible insurance policy with a savings account where funds are deposited and can be used to pay for eligible medical expenses. Here are some key features of a Medicare MSA: High-Deductible Health Plan: Medicare MSA plans have a higher deductible than traditional Medicare plans. This means you’ll… Read More

Cracking the Code: Navigating Health Cost Surge in 2023

July 10, 2023July 10, 2023Wendy Lopez

Managing Health Costs in 2023 Multiple industry and benefits sources are predicting health insurance premium increases in the range of five to eight percent for 2023. An analysis by Aon is forecasting a 6.5% increase. The Society for Human Resource Management (SHRM) is expecting a bump of 5.6%, based on a prediction by Mercer. The International Foundation of Employee Benefit Plans says employers are anticipating a 7.5% increase. The country’s oldest actuarial consulting firm, Buck, has forecast an increase in the range 5.8% to 6.9%. If you have any questions or concerns about this news please contact your Total Benefit Solutions, Inc health insurance specialists at (215)-355-2121

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