Welcome to Our Healthcare Page

Here you will find links and information on Medicare, Medicaid, Veteran's Healthcare and The Patient Protection and Affordable Care Act (Obamacare).

There is also information on Supplemental Insurance Plans to help pay for things the above policies don't cover.

 

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Senior Scams

demoHere are the Top Ten Scams Targeting Seniors. Get the facts, protect yourself from phone and internet predators.

 

CurrentNews:

Life Expectancy in U.S. Continues to Reach New Highs

demoThe CDC reports that younger Americans will have a life expectancy of 78.8 years. For older Americans women are expected to reach 81.2 years and men 76.4 years.

 

RecentEvents:

Possibility of Obesity Leading to Cancer in Older Adults

demoLosing weight can be benefiical but can also be harmful to some older adults. Click here to see the full report.

 

medicare

What To Do And Where To Start - Click a Link Below

Medicare | Medicare Part B | Medicare Part D | Veteran's Care

Affordable Care Act | Supplemental Insurance Plans | Medicare Advantage Plans | Cobra Plan

 

Disclaimer: It is not the intention of Baby Boomer Helper to provide medical advice or recommendations. This information should not replace consultations with qualified healthcare professionals to meet your individual medical needs.


Medicare: Parts A & B

 

Introduction to Medicare Medicare Parts A and B If you’re already getting Social Security benefits, you’ll automatically get Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) starting the first day of the month you turn 65.

If your 65th birthday is on the first day of the month, Part A and Part B will start the first day of the prior month.

Medicare will mail you a Medicare card and general information before the date you become eligible.

In most cases, you usually don’t pay a monthly premium for Part A coverage if you or your spouse paid Medicare taxes while working.

For Information about how Medicare Part A and B Work Click Here

For Information on How Part D (Prescription Drug Plans) work Click Here

 

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Medicare Part B

 

However, Medicare Part B is a voluntary program that will normally require you to pay a monthly premium.

If you don’t want to keep Part B, you must follow the directions when you get your Medicare card to let Medicare know you don’t want it.

Otherwise, keep your card and you’ll be charged the Part B premium.

If you aren’t receiving Social Security benefits by age 65, and you want to enroll in Medicare, you should contact Social Security and sign up during your Initial Enrollment Period.

In most cases, this is the seven month period that starts three months before the month you turn 65, includes the month you turn 65, and ends three months after the month you turn 65.

 

For Information about how Medicare Part A and B Work Click Here

 

Click Here for a List of Some Common Procedures Medicare Part B Covers.

 

For Information on How Part D (Prescription Drug Plans) work Click Here

 

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Medicaid.gov

How Medicaid Works with Seniors who have Medicare

 

Medicaid provides health coverage to more than 4.6 million low-income seniors, nearly all of whom are also enrolled in Medicare.

Medicaid also provides coverage to 3.7 million people with disabilities who are enrolled in Medicare.

In total, 8.3 million people are "dually eligible" and enrolled in both Medicaid and Medicare, composing more than 17% of all Medicaid enrollees.

Individuals who are enrolled in both Medicaid and Medicare, by federal statute, can be covered for both optional and mandatory categories.

Click Here for more information on our Medicaid Page

 

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Affordable Care Act (Obamacare)

How the Affordabel Care Act Works With Seniors

healthcare.gov;

Go to Healthcare.Gov The Patient Protection and Affordable Care Act, probably better known as “Obamacare” was signed into law on March 23, 2010.

The law is intended to provide more accessible, and in some cases, more affordable health insurance.

Click Here for the Baby Boomer Helper Affordable Care Act Page for more links and information about ACA.

 

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How ObamaCare Affects Seniors

 

Elderly Couple RetirementIf you are on Medicare then you don’t need to do anything.

Medicare is an approved government healthcare plan.

But there are some taxes and regulations that might affect you.

If you did not work and contribute to Medicare then you have some decisions to make.

Should you buy Medicare outright or would the Affordable Care Act be a better way to go?

For More Information Visit The Affordable Care Act Page by Clicking Here

 

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Healthcare Plans for Veterans

How VA Healthcare Works with Medicare and Medicaid

 

Veteran's Healthcare and benefitsWho deserves better care than those that put their life on the line for us?

As a Vietnam Veteran myself, I am concerned about some reports about VA Healthcare.

I can speak to the care I've received in Montana from the VA when needed.

Our VA facilaties here are as good as anywhere I've ever served.

If you are a verteran and need care consider the Healthcare links and information that you will find on our Veteran's Pages.

And thank you for your service.

 

Click Here to go to Baby Boomer Helper's Veterans Pages

 

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Links to HealtheVet, eBenefits, and TRICARE

HealtheVet,eBenefits and TRICARE are all ways to access all of your medical records from the VA.

Make appointments, fill prescriptions, and access your medical records.

Click the Links below to go to:

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Supplemental Insurance (Medigap Policies)

Links to Plans That Cover What Medicare or Medicaid Don't

 

Supplemental Insurance Plans

A Medicare supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.

Click Here For Detailed Information about available plans on Baby Boomer Helper's Supplemental Insurance Plans Page

 

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Medicare Advantage Plans

A Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits.

Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans.

If you're enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and aren't paid for under Original Medicare. Most Medicare Advantage Plans offer prescription drug coverage.

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The Cobra Plan

How to Keep Health Insurance After Job Loss

The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time under certain circumstances such as voluntary or involuntary job loss, reduction in the hours worked, transition between jobs, death, divorce, and other life events.

Qualified individuals may be required to pay the entire premium for coverage up to 102 percent of the cost to the plan.

COBRA generally requires that group health plans sponsored by employers with 20 or more employees in the prior year offer employees and their families the opportunity for a temporary extension of health coverage (called continuation coverage) in certain instances where coverage under the plan would otherwise end.

COBRA outlines how employees and family members may elect continuation coverage. It also requires employers and plans to provide notice.

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COBRA Continuation Coverage

FAQs about COBRA Continuation Health Coverage - Click Here

The U.S. Department of Labor's program for the review of denials of the COBRA premium reduction under the American Recovery and Reinvestment Act (ARRA) has ended. The COBRA premium reduction was available for individuals who experienced involuntary terminations on or before May 31, 2010.

The COBRA premium reduction under ARRA is not available for individuals who experience involuntary terminations after May 31, 2010; therefore the eligibility period for the subsidy has passed.

For anyone with extenuating circumstances who believes they may be eligible for the premium reduction, contact the Department's Employee Benefits Security Administration at www.askebsa.dol.gov or by calling 866-444-3272.

For more information on COBRA Continuation Coverage, see the resources below.

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Cobra For Employees

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Cobra For Employers

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Cobra Posters and Flyers

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General Information About Cobra

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Photo Credits:
Some images courtesy of Ambro atFreeDigitalPhotos.net
 

 

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