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Medicare A & B Medicare supplement

3 Questions and Answers About 2017 Medicare Part A

When you’re first eligible for Medicare, usually when you turn 65, you have an Initial Enrollment Period to sign up for Part A.   You usually don’t pay a monthly premium for Medicare Part A (Hospital Coverage) if you or your spouse paid Medicare taxes for 40 quarters, or ten years, while working. This is sometimes […]

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Medicare A & B

Switching Medicare Supplement (Medigap) policies

Reasons Why New Yorkers Switch Their Medigap Policies: You’re paying for benefits you don’t need. You need more benefits than you needed before. Your current Medigap policy has the right benefits, but you want to change your insurance company. Your current Medigap policy has the right benefits, but you want to find a policy that’s […]

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Medicare A & B Patient Health

Tips: Prepare For A Trip To The Doctor

Sometimes face to face time with our doctor seems rushed. So to get the most out of this short time, and perhaps even a healthier outcome, I have summarized below several tips that doctors recommend from an article I read in the Wall Street Journal titled Get The Most Out Of A Trip To The […]

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Part D Prescription Drug

“What’s The Donut Hole?”

On January 1, 2006, the US federal government introduced a program to subsidize the costs of prescription drugs and prescription drug insurance premiums for Medicare beneficiaries.  You must enroll in a Part C (Medicare Advantage with Drug) or Part D (Stand Alone Prescription Drug) plan to participate in this federal-government-subsidized drug program. Here’s a summary on how […]

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Case Studies Part D Prescription Drug

“Thank you again for giving me my life back.”

…. it’s great to hear results. Just before Thanksgiving I met with a recently widowed woman who was reeling from her loss and struggling to make sense of her health plan costs and dramatically reduced monthly income. When she disclosed her assets and monthly income, I explained to her some programs she was likely eligible for and provided assistance with the enrollment […]

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Part D Prescription Drug

New York EPIC and Medicare Part D

  The Elderly Pharmaceutical Insurance Coverage (EPIC) program is a New York State Program that provides seniors with co-payment assistance for Medicare Part D prescription drugs. Members must be enrolled in a Medicare Part D drug plan. including any Medicare Advantage plan with Part D prescription drug coverage Provides secondary coverage for Medicare Part D […]

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Medicare A & B

Medicare Part A / B Savings Program

            Most Medicare beneficiaries pay $0 for the Part A hospitalization benefits if they or their spouse paid Medicare taxes while they worked. For Part B medical insurance, most people pay the standard $104.90 monthly premium. For New York State residents meeting certain conditions, a Medicare Savings Program may help pay […]

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Part D Prescription Drug

NY State EPIC Drug Plan for Seniors

EPIC, (Elderly Pharmaceutical Insurance Coverage) is a New York State program for seniors administered by the Department of Health. It helps eligible seniors supplement their out-of-pocket Medicare Part D drug plan costs.  Eligibility requirements are: Resident of New York State Age 65 or older Income up to $75,000 (single) or $100,000 if married. EPIC offers two plans, […]

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Part D Prescription Drug

NY State Budget and Senior Drug Plan expansion

The Elderly Pharmaceutical Insurance Coverage (EPIC) program is a New York State program for seniors administered by the Department of Health. It helps income-eligible seniors aged 65 and older to supplement their out-of-pocket Medicare Part D drug plan costs. The New York State 2014-15 budget included the expansion of the program to cover the prescription needs of […]