‏132.00 ₪

Medicare For Dummies, 3rd Edition

‏132.00 ₪

ISBN13

9781119348870

יצא לאור ב

New York

מהדורה

3rd Edition

זמן אספקה

21 ימי עסקים

עמודים

432

פורמט

Paperback / softback

תאריך יציאה לאור

8 בדצמ׳ 2017

מחליף את פריט

1W119293390

"Get tips on navigating the Medicare maze, determine the best time to enroll--and how, save money by avoiding costly mistakes"--Cover.

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פרטים

Weave your way through the tangled web of Medicare Medicare for Dummies, 3rd Edition will help you navigate the complicated, often confusing maze of the Medicare system. In simple language, with clear step-by-step instructions, the book helps you determine how and when to enroll, avoid costly mistakes, and find a plan that is right for you and your family. Written byPatricia Barry, a nationally recognized authority on Medicare and Medicare Part D prescription drug coverage, this invaluable resource offers: - Tips on reducing out-of-pocket expenses - Guidance for knowing your rights and protections - Ways to choose the best policy for you With this definitive guide, you'll get answers to the most common and not so common questions about Medicare, to get the most out of your coverage.

מידע נוסף

מידע נוסף
מהדורה	3rd Edition
עמודים	432
מחליף את פריט	1W119293390
פורמט	Paperback / softback
ISBN10	1119348870
יצא לאור ב	New York
תאריך יציאה לאור	8 בדצמ׳ 2017
תוכן עניינים	Introduction 1 About This Book 2 Foolish Assumptions 3 Icons Used in This Book 4 Beyond the Book 4 Where to Go from Here 5 Part 1: Getting Started with Medicare 7 Chapter 1: The Nuts and Bolts of Medicare: What It Is and How It Works 9 Addressing Some Upfront Questions 10 Coming to Terms with the ABCs (and D) of Medicare 12 Part A 13 Part B 14 Part C 15 Part D 15 Recognizing That You Have Choices and Must Make Timely Decisions 16 Chapter 2: Spelling Out What Medicare Covers (A Lot, but Not Everything) 19 Understanding What Part A and Part B Cover 20 Necessary medical care 20 Preventive care 21 Specialized care in certain circumstances 24 Medical supplies and equipment 28 Knowing What Part D Covers 30 Making sense of drug coverage that can vary throughout the year 30 Finding out about formularies 32 Determining when drugs are covered by Part A, Part B, or Part D 34 The Gaps: Discovering What Medicare Doesn't Cover 35 Routine hearing, vision, dental, and foot care 35 Home safety items 36 Nursing home care 37 Medical services abroad 37 Services that may be nice but aren't necessary 38 Distinguishing When Coverage Comes with Limits 39 Limits on hospital stays 39 Limits on skilled nursing facility stays 40 Limits on mental health benefits 41 Limits on therapy services 42 Chapter 3: Understanding What You Pay toward Your Costs in Medicare 43 Boning Up on Premiums, Deductibles, and Co-payments 44 Part A costs 45 Part B costs 47 Part D costs 48 Medicare Advantage costs 49 Paying Higher-Income Premiums 50 Understanding who's liable for the surcharges 51 Figuring out what the surcharges cost you 53 Getting the surcharges waived 54 Paying Different Premiums than Other People in Certain Years 57 Paying Medicare Taxes While Receiving Medicare Benefits 58 Chapter 4: Reducing Your Out-of-Pocket Expenses in Medicare 59 Purchasing Medigap Insurance 60 Examining Medigap policies 61 Choosing and buying a Medigap policy 65 Qualifying for Help from Your State 66 Medicaid 66 Medicaid medical spend-down programs 68 Medicare Savings Programs 68 PACE plans 69 State Pharmacy Assistance Programs 71 Examining Whether Extra Help Can Lower Your Drug Costs 71 Qualifying for Extra Help 72 Applying for Extra Help 74 Choosing a drug plan with Extra Help 80 Considering Other Ways to Cut Costs 83 Taking income tax deductions for Medicare costs 83 Lowering drug costs without Extra Help 84 Part 2: The Hows and Whens of Medicare 89 Chapter 5: Qualifying for Medicare 91 Hitting the Milestone of Age 65 92 Debunking some qualification myths 92 Meeting the requirements for Parts A, B, and D 93 Qualifying for Part A on your own work record 94 Being eligible for Part A on someone else's work record 96 Qualifying for Medicare under Age 65 on the Basis of Disability 98 Receiving disability payments 98 Suffering from permanent kidney failure (ESRD) 101 Living with Lou Gehrig's disease (ALS) 101 Falling through the Cracks: Health-Care Options if You Can't Get Medicare Yet 102 Nice work if you can get it: Landing a job with benefits 102 Paying for COBRA temporary insurance 103 Purchasing individual insurance through the online Marketplace 103 Buying health insurance outside of the Obamacare Marketplace 105 Getting health care without insurance 106 Chapter 6: Enrolling in Medicare at the Right Time for You 107 At a Glance: Surveying Situations That Affect Enrollment Timing 108 Understanding Your Initial Enrollment Period 110 Using your IEP at age 65 110 Taking advantage of your IEP when you have disabilities 111 Delaying Part B if You'll Qualify for a Special Enrollment Period Later 112 Being able to delay Part B without penalty 113 Knowing what to do about Part A if you delay Part B 115 Heeding a special warning if you have a health savings account at work 116 Using the special enrollment period 118 Enrolling in Other Specific Situations 119 You're a legal permanent resident 119 You live outside the United States 120 You're in a nontraditional marriage or domestic partnership 123 You're incarcerated 124 Deciding Whether and When to Sign Up for Part D Drug Coverage 125 Assessing drug coverage you have from elsewhere 125 Debating whether you need Part D if you don't take medications 128 Figuring the best time to enroll in Part D 128 Understanding the Consequences of Not Signing Up at the Right Time 129 Missing your deadline for Part B 131 Passing your deadline for Part A 134 Neglecting your deadline for Part D 136 Figuring out whether you can get a late penalty revoked 138 Chapter 7: Discovering How to Sign Up for Medicare 141 Being Automatically Enrolled in Medicare Parts A and B 142 Sign Me Up! Applying for Medicare Parts A and B 143 Signing up from inside the United States 144 Enrolling while you're living abroad 147 Opting Out of or Disenrolling from Part A or Part B 149 Declining Part A 150 Opting out of Part B 151 Disenrolling from Part B 153 Knowing When Your Coverage Begins 154 When you sign up during the first three months of your IEP 156 When you sign up during IEP months four through seven 156 When you are awarded Medicare coverage retroactively 157 Transitioning from Obamacare to Medicare 158 Figuring out whether you need to make the switch 158 Knowing how and when to switch from Marketplace to Medicare 161 Chapter 8: Understanding How Medicare Fits In with Other Health Insurance 165 Understanding Medicare's Coordination of Benefits System 166 Helping Medicare help you: Filling out your initial enrollment questionnaire 167 Keeping Medicare informed if your coverage changes 168 Seeing How Medicare Works with an Employer's Health Insurance Plan 168 Working with insurance from a current employer 169 Having insurance from a former employer 172 Figuring Out How Other Federal Health Benefits Fit In with Medicare 176 The Federal Employees Health Benefits Program 176 TRICARE and TRICARE For Life 178 The Veterans Affairs health system 182 The Indian Health Service 183 The Black Lung Program 184 Mixing Medicare with Workers' Comp or No-Fault or Liability Insurance 185 When you first make a claim 185 If the claim isn't settled promptly 186 When the claim has been settled 187 Part 3: Making Smart Choices among Medicare's Many Options 189 Chapter 9: Making Sense of Medicare's Many Options 191 Seeing the Big Picture: Your Starting Point to Navigating the Medicare Maze 192 Understanding the consequences of your choice of system 192 Weighing the two systems 195 Recognizing when you may not have a choice 198 Being on your guard against "auto-enrollment" 199 Digging into the Details of Traditional Medicare versus Medicare Advantage 200 Opting for traditional Medicare 201 Looking at Medicare Advantage plans 202 Checking out three other types of Medicare health plans 206 Discovering How Medigap Policies Differ from Medicare Advantage Plans 207 Chapter 10: Choosing Wisely If You Go with Traditional Medicare 211 Understanding the Need to Compare Part D Plans Carefully 212 Knowing what not to do 212 Defining "the best plan" 213 Recognizing that comparing plans is worth the effort 214 Seeing how comparing plans can save big bucks 215 Getting organized with two crucial lists 217 Picking the Part D Plan That's Best for You 219 Assessing the plan finder's reliability 220 Using the Medicare plan finder to discover options available to you 221 Drilling down to important bits of info when comparing Part D plans 224 Choosing the Medigap Supplemental Policy That's Best for You 230 Choosing a Medigap policy 231 Buying a Medigap policy at the right time 232 Buying Medigap if you're under 65 235 Suspending a Medigap policy 236 Chapter 11: Making Smart Choices If You Opt for Medicare Advantage 239 Comparing Medicare Advantage Plans 240 Comparing plans' medical benefits 241 Adding prescription drug coverage 246 Choosing the Medicare Advantage Plan That's Right for You 248 Figuring out which providers accept the plans you're considering 249 Enrolling in a Medicare Advantage plan 250 Taking action if you change your mind 250 Chapter 12: Getting Help in Making Medicare Choices 253 One on One: Getting Personal Help on Medicare Issues 254 Asking family and friends 254 Contacting State Health Insurance Assistance Programs 255 Calling Medicare's help line 256 Seeking advice from other sources 258 Buyer Beware! Avoiding Scams and Hard-Sell Marketing 259 Steering clear of outright scams 260 Resisting hard-sell marketing tactics 262 Part 4: Navigating Medicare from the Inside 267 Chapter 13: Starting Out as a New Medicare Beneficiary 269 Playing Your Cards Right 270 Understanding when to use each card 270 Protecting your cards from loss or theft 273 Replacing your cards 274 Beyond the Cards: Checking Out the Extent and Limits of Your Coverage 274 Managing Premiums 276 Discovering different ways to pay Medicare premiums 276 Knowing what can happen when you don't pay your premiums on time 280 Keeping Track of Your Expenses 283 Understanding Medicare Summary Notices 283 Maintaining hard-copy records you can rely on 285 Tracking information online 287 Dealing with Doctors 287 Finding doctors who accept Medicare patients 288 Understanding what doctors can charge you 288 Filling Prescriptions for the First Time with a Part D Plan 291 When does my coverage begin? 291 Which kind of pharmacy can I use? 292 What happens if I go to an out-of-network pharmacy? 294 How do I prove I have Part D coverage? 295 How can I ensure I get my meds? 296 Chapter 14: Getting the Inside Scoop on Using Certain Medicare Benefits 299 Taking a Closer Look at Part A 300 Understanding hospital benefit periods 300 Taking note of the three-day rule 302 Defining observation status 303 Being aware of the improvement standard 305 Fighting premature hospital discharge 306 Proceeding if the hospital makes a mistake 307 Knowing your rights in a skilled nursing facility 308 Zooming In on Part B 311 Checking on whether Medicare will cover your treatment 311 Receiving a notice saying that Medicare may not pay 312 Determining whether you can find out a service's cost in advance 314 Maximizing your chances for coverage 315 Recognizing your right to second opinions 316 Filing a claim directly to Medicare 317 Delving into Part D 318 Understanding how a plan may restrict your drug coverage 318 Grappling with the tier system of co-pays 321 Navigating the doughnut hole 323 Using Part D to get the shingles vaccine 325 Taking advantage of free Medication Therapy Management benefits 326 Chapter 15: Changing Your Medicare and Medigap Coverage 327 Switching Coverage during Open Enrollment or Disenrollment 328 The open enrollment period 328 The disenrollment period 329 Taking Advantage of Special Enrollment Periods 330 Recognizing when you can use SEPs to change plans 331 Making sure your records and prescriptions are transferred 335 Dropping a Plan (Or Being Dropped) 336 Leaving a plan on your own 337 Getting the boot from your plan 338 Deciding Whether to Stay or Switch to Another Plan for Next Year 339 Reading your Annual Notice of Change to understand plan alterations 340 Comparing plans (yes, all over again!) 341 Looking at extra factors influencing your decision 342 Changing to Another Medigap Policy 344 Knowing the consequences of switching Medigap policies 345 Exploring a change of Medigap coverage 345 Exercising your right to a 30-day free look 346 Chapter 16: Knowing Your Rights 347 Understanding Your Right to Accurate Information 347 Knowing whom to call 348 Seeking a second opinion 349 Asking for an Investigation 350 Requesting equitable relief 350 Contacting an ombudsman 351 Reaching out to your Quality Improvement Organization 351 Getting ahold of your plan 352 Filing a grievance 352 Taking Steps toward an Appeal 353 Obtaining a formal denial 354 Requesting a coverage determination 354 Having a game plan in mind before you move ahead with an appeal 356 Filing a Formal Appeal 357 Walking through the five levels of appeal 357 Getting help in making an appeal 361 Part 5: The Part of Tens 363 Chapter 17: Top Ten Medicare Mistakes 365 Thinking You Must Reach Full Retirement Age before Signing Up 366 Assuming You Don't Qualify If You Haven't Worked Long Enough 366 Failing to Enroll in Part B When You Should 367 Believing You Don't Need Part B If You Have Retiree or COBRA Coverage 367 Not Signing Up For Part D Because You Don't Use Prescription Drugs 368 Picking a Part D Drug Plan for the Wrong Reasons 368 Misunderstanding Enrollment Periods 369 Being Too Late to Buy Medigap with Full Protections 369 Failing to Read Your Annual Notice of Change 370 Not Realizing You May Qualify for Help to Lower Your Costs 371 Chapter 18: Ten Ways to Stay Healthier beyond Age 65 373 Taking Action to Avoid Falls 373 Exercising Regularly 375 Quitting Smoking 375 Eating Healthfully 376 Cutting Out Soft Drinks and Extra Sugar 377 Keeping an Eye on Prescription Drugs 377 Continuing to Work or Stay Active 378 Staying Connected and Engaged 378 Keeping Your Brain in Shape 379 Addressing Tough Choices before They're Necessary 379 Part 6: Appendixes 381 Appendix A: Sources of Help and Information 383 Government Help Lines and Websites 383 The Centers for Medicare & Medicaid Services 383 The Social Security Administration 384 State Health Insurance Assistance Programs 384 The Eldercare Locator 389 Independent Sources of Direct Help 389 The Medicare Rights Center 389 The National Alliance for Hispanic Health 390 The National Asian Pacific Center on Aging 390 Resources for Saving Money 391 Consumer Information and Advocacy Organizations 392 Sources for Updates on Medicare 393 Appendix B: Glossary 395 Index 401
זמן אספקה	21 ימי עסקים