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Most people on Medicare know about Part D, the prescription drug insurance plan that helps lower the cost of medications. For those with limited income and limited resources Extra Help is a special program that pays almost all of their Part D prescription drug costs.
 
“The beauty of Extra Help is that it can save people a lot of money, possibly even thousands of dollars,” said Morie Smile, State Director. “Unfortunately, too many people don’t know about this program,” she added.
 
For a couple with monthly income under $1,821 and savings accounts and investments of less than $25,010, Extra Help pays their drug insurance premiums, deductibles, and co-payments. This could amount to big savings.
 
It is easy to apply. For those with a computer the options are AARP Benefits QuickLINK [http://www.aarp.org/quicklink] or Social Security Prescription Help [http://www.socialsecurity.gov/prescriptionhelp/]. People on Medicare can call 1-800-772-1213 to apply or to request a paper application. They can also apply in person at the nearest Social Security office. Applications are taken all year.
 
“Coloradoans are lucky to be able to get more information about Extra Help through the Colorado Division of Insurance by calling 1-888-696-7213 ,” according to Morie Smile.
Added: November 20, 2009
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“About to turn sixty-five? You’ll find signing up for Medicare to be amazingly easy,” explained Morie Smile, State Director. Anyone who is already getting Social Security or Railroad Retirement benefits, is automatically signed up for Medicare Part A and Part B once they turn 65. They should get a package of Medicare information, including a Medicare card, in the mail. If not, contact the Social Security Administration at 1-800-772-1213.
 
Those who are not yet taking Social Security need to enroll at the local Social Security office. There is a seven-month period in which to enroll in Medicare. It’s the three months before a 65th birthday, the birthday month, and the three months after.
 
Everyone has several choices to make when signing up for Medicare. There’s Original Medicare, which has two parts: Part A which covers hospital expenses, and Part B for doctor visits. With Original Medicare the beneficiary can choose any doctor or hospital that accepts Medicare payments. Original Medicare pays for many health care services and supplies, but it doesn’t pay all health care costs. To get prescription drug coverage under Original Medicare requires joining a Medicare-approved private drug plan, also called Part D.
 
Medicare Advantage Plans are alternatives to Original Medicare. These are offered by private insurance companies and must pay for the same health care services as Original Medicare. But they also might pay for additional health care services that aren’t covered by Original Medicare. Examples of Medicare Advantage Plans include Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs). In most Medicare Advantage Plans you can only go to doctors, specialist, and hospitals on the plan’s list unless you want to pay for all of the care yourself.
 
“Anyone can switch to a different Medicare Advantage Plan, or move from Original Medicare to a Medicare Advantage Plan or back to Original Medicare. The time to do this is during the Annual Election Period between November 15 and December 31,” stated Morie Smile. “Use the comparison tools at www.medicare.gov to find the plan that best fits your needs.”
Added: November 20, 2009
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Hospice is a special way to care for someone who is terminally ill. Instead of focusing on curing an illness, the specially trained hospice team focuses on providing comfort and support that cares for the “whole person,” including the patient’s physical, emotional, social, and spiritual needs.
 
Someone who is on Medicare Part A (hospital insurance) or a Medicare Advantage plan can elect to receive Medicare Hospice benefits to treat the terminal illness. To be eligible for this special benefit, the patient’s doctor and the hospice medical director must certify that the patient is terminally ill and has six months or less to live. “Hospice patients typically receive care in the comfort of their home by Medicare-approved hospice programs,” explained Morie Smile, State Director, "which is what many of our members have told us is important to them.” The program also provides support to family members who are caring for the patient.
 
The hospice plan of care established by the patient’s attending physician and the hospice team can include a variety of services not otherwise covered by Medicare. In addition to physicians’ services, Medicare Hospice covers:
  • Nursing care
  • Medical equipment and supplies, such as wheelchairs and catheters
  • Short-term acute inpatient care in a hospital
  • Home health aide and homemaker services
  • Physical and occupational therapy
  • Social worker services
  • Dietary counseling
  • Grief and loss counseling for the patient and family
 
The hospice can charge no more than $5 for medications for pain relief and symptom control. It can also charge a small fee to care for the patient on an inpatient basis if the usual caregiver needs a break. If the patient needs treatment for health problems unrelated to the terminal illness they would use their regular Part A and Part B benefits. Hospice patients always have the right to stop hospice care and go back to Medicare coverage.
Added: November 20, 2009
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Once a year people who are already on Medicare have an opportunity to make changes in how they receive their benefits. If they are on Original Medicare (Part A and Part B), they can sign up for Part D coverage or move to a Medicare Advantage plan. They can also change from one Part D prescription drug plan to a different one. If they have a Medicare Advantage plan they can switch to a different plan.
 
There are many reasons why someone might want to change plans. Personal circumstances—such as change in health status or drugs needed—or changes in what’s offered in the plans from year to year are some reasons people switch.
 
“Of course, you don’t have to change if you don’t want to,” explained Morie Smile, State Director. “But it is important to make sure you are getting the most out of your Medicare by knowing all your options. You’ll want to find out if another plan might be better for you.”
 
The steps to take are simple:
  • Find the Medicare plans available in the area.
  • Compare the costs, benefits and quality of each plan.
  • Choose the plan that’s best for the individual.
 
Not all plans are available in all parts of the country. Medicare Options Compare [http://www.medicare.gov/MPPF/Include/DataSection/Questions/Welcome.asp] shows which health plan choices are available by zip code. The tool also allows comparison of benefits, doctors and drugs and the related costs.
 
“The more you learn about your Medicare choices, the better prepared you will be to make the choice that’s right for you,” said Morie Smile “Consumers may contact their regional SHIP community program by calling toll-free 1-888-696-7213 .”
Added: November 20, 2009
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This year more than 3 million people with Medicare Part D are expected to fall into the doughnut hole. This is the gap in coverage when they pay the full cost of their prescription drugs while still paying premiums.
 
AARP has developed an easy-to-use online tool that shows Part D enrollees if and when they’ll hit the doughnut hole and suggests ways they can cut drug expenses to postpone falling into the coverage gap or even avoid it all together.
 
AARP Executive Vice President Nancy LeaMond says, “We want to give Americans the tools they need to cut their drug costs and stay out of the Doughnut Hole. We encourage every person with Medicare Part D to take a few minutes to find the right drugs at the lowest prices.”
 
The AARP Doughnut Hole Calculator at www.aarp.org/doughnuthole works like this:
  • You enter your ZIP code, the name of your Medicare drug plan, and the names of the drugs you currently take.
  • You will see a chart showing your likely drug costs under your plan for each month and, if you’ll hit the coverage gap, when it starts and how much it will cost you.
  • For each drug, you can find out if alternative drugs are available through your plan that are equally effective, but cost less.
  • The tool automatically recalculates the total cost of your drugs using the alternative drugs you’ve entered. You then can see how much you can save and whether you can avoid or delay falling into the doughnut hole by switching to less expensive medications.
  • You then print out a letter to take to your doctor to discuss whether any of the drug options will work for you.
 
The tool is personalized to your own circumstances—the specific drugs and dosages you take and the Part D plan you’re enrolled in. But it is also confidential. You don’t have to register to use it and none of your information is kept once you leave the calculator.
Added: November 20, 2009
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Medicare pays for many preventive services to keep people healthy. Preventive services, like screening tests, may find disease early when it may be easier to treat. Shots and vaccines help keep people from getting dangerous infections or illnesses.
 
“Be sure to get your ‘Welcome to Medicare’ physical exam,” advises Morie Smile, State Director “within the first 12 months that you start Part B.” This is a once in a lifetime opportunity to get up-to-date on important screenings and shots. Many people new to Medicare take advantage of the chance to talk with their doctor about family medical history and how to stay healthy.
 
Other preventive services that Medicare covers:
  • Cardiovascular screenings that check cholesterol.
  • Breast cancer screening with a mammogram
  • Cervical and vaginal cancer screening with Pap tests and pelvic exams
  • Colorectal cancer screening to help find growths in the colon so they can be removed before they turn into cancer
  • Prostate cancer screening by either a digital rectal exam or Prostate Specific Antigen blood test
  • Bone Mass measurements to check for risk for broken bones
  • Shots to prevent flu, pneumococcal infections and Hepatitis B
  • Diabetes screening, supplies and training
  • Medical nutrition counseling for those with diabetes or kidney disease
  • Tests for those at high risk for glaucoma
  • Counseling to quit smoking for those with a smoking-related illness or taking medications that may be affected by tobacco.
 
The cost of these services varies depending on whether the person is on Original Medicare (Part B) or a Medicare Advantage plan. Under Part B, some screenings are free; for other screenings the patient will need to pay the doctor the usual 20 percent of the Medicare-approved amount. “Check with your Medicare Advantage plan to find out if there are any costs for these preventative screenings,” explained Morie Smile. “Medicare Interactive, www.aarp.org/medicareinteractive, has answers to many questions about Medicare. And check with www.medicare.gov or call 1-800-MEDICARE for more information.”
Added: November 20, 2009
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Which doctor someone on Medicare can go to depends on what type of plan they are enrolled in. For those in the Original Medicare plan (Part A and Part B) they can go to any doctor or hospital in the country that accepts Medicare. Most doctors and hospitals do. For someone who has selected a Medicare Advantage plan, they usually can only go to the doctors and hospitals in the plan’s network.

 

“Because there are different types of Medicare Advantage plans, it’s important to carefully understand what the rules are for picking your own doctors,” explained Morie Smile, State Director. For example some MA plans offer a point-of-service option, which lets the person go to doctors and hospitals outside the plan’s network, but may charge more for those visits. Before selecting a plan or switching to another Medicare Advantage plan it is important to find out the rules about getting and paying for care. Every Medicare plan should provide a list of network doctors and hospitals.
 
Most Medicare Advantage plans require patients to get approval from their primary care doctor before seeing a specialist. On the other hand, people with Original Medicare can go directly to a specialist (who accepts Medicare) without getting prior approval. All Medicare plans must pay health care costs away from home if there is an emergency.
 
“Medicare Interactive [www.aarp.org/medicare interactive or hyperlink to http://www.aarp.org/health/insurance/articles/Medicare_Interactive.html ] is a helpful place to go to find answers to questions about which doctors you have access to in the various Medicare plans,” said Morie Smile.
Added: November 20, 2009
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AARP Colorado members weigh in on Health Care Reform legislation

By Morie Smile, AARP Colorado State Director
 
AARP staff and volunteers have attended meetings throughout the state listening to members talk about the pros and cons of health care reform. We’ve spent countless hours educating members on what our specific asks are within any legislation and dispelling myths such as death panels and the demise of Medicare. The conversations for the most part have been thoughtful and civil with a give and take instead of the vitriol we’ve all seen on various news outlets in other parts of the country.
 
Recently, AARP made the decision to endorse HR 3962, the Affordable Health Care for America Act, which just passed the House of Representatives. It was with great deliberation that our volunteer Board of Directors did so after hearing from approximately 4 million members who participated in Town Hall meetings around the country and hearing from public policy analysts both within our organization and externally. Our endorsement is based on the priorities our members have been telling us – affordable coverage for younger members, and protecting and improving Medicare, especially the doughnut hole for those in Medicare – and has been the basis for our advocacy from day one. Despite a highly politicized debate on an incredibly personally important issue, our members overwhelmingly support the key aspects of the House bill that we fought to include.
 
Based on polling numbers just in, we find our Colorado members agree with our decision to support the legislation currently facing Congress – by almost two to one, (62.7% to 33%) the House bill that we endorsed. Scratch the surface and you find that support for key AARP priorities runs deeper, across party and ideological lines.
 
Why are Coloradans overwhelmingly supportive? Here are some of the findings:
 
78% support measures that would prevent insurance companies from denying coverage based on pre-existing conditions;
 
78% support measures that would ensure that people can see the doctor of their choice;
 
77% support the bill’s provisions that ensure that you can keep your current health insurance coverage if you are happy with it.
 
This legislation also takes into account the needs of the 96,000 Coloradans who are 50 – 64 years old by creating new rules for insurance companies so they can no longer discriminate against people based on age or pre-existing conditions.
 
For the 524,000 Coloradans who depend on Medicare for stable, affordable health care the House bill protects traditional Medicare benefits for seniors, improves Medicare prescription drug coverage, and aggressively cracks down on waste, fraud and abuse.
 
After decades of failed attempts to fix a broken health care system, we find ourselves at a point where one in three Americans say someone in their family has skipped pills, has postponed or cut back on needed medical care because it cost too much. Countless bankruptcies are related to medical expenses, and employers struggle to pay for the costs of health care. There are almost 50 million Americans without health care coverage, and those of us lucky enough to have it increasingly worry about whether we’ll have it next year.  
 
The fact is, we can’t afford not to fix health care.   
Added: November 16, 2009
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FOR IMMEDIATE RELEASE

November 16, 2009
 
Contact
Morie Smile
303-764-5990
 
Survey Finds Colorado AARP Members Back Critical Provisions of Health Care Reform Legislation
 
Denver — A new poll of Colorado AARP members released today finds strong support across party and ideological lines for elements of health care reform included in the Affordable Health Care for America Act, which recently passed the House of Representatives. The bill, which strictly limits how much more insurance companies can charge based on age and closes the Medicare prescription drug doughnut hole, was endorsed by AARP.
 
Among AARP members, strong majorities reported that many of the bill’s key provisions were convincing reasons to support the legislation. These include strictly limiting insurers from charging much higher premiums because of age (69%), closing the gap in Medicare’s prescription drug coverage known as the doughnut hole (68%) and improving coverage for critical preventive services like cancer screenings (78%).
 
 “This survey demonstrates what we’ve been hearing from our members for a long time,” said Morie Smile, Colorado AARP State Director. “Despite an inflammatory debate on a very personal and important issue, our members—across party and ideological lines—support health care reform that protects Medicare, lowers the price of prescription drugs, increases their access to coverage and protects their choice of doctors.”
 
While a partisan divide was evident when respondents were asked about the current plan in Congress, Colorado AARP members supported the legislation by almost two to one margin, 62.7% to 33%. 60% of self-described independents indicated support for the plan.
 
Other reform elements with high levels of support among AARP members included ensuring Americans can see the doctor of their choice (77%), stopping insurance companies from denying coverage because of a person’s health history (78%) and ensuring Americans can keep their current coverage (76%). Significant proportions of self-identified Republicans supported many of the reform elements presented, including stopping discrimination because of pre-existing conditions (63%), covering routine preventive care (58%) and allowing Americans to keep their current coverage (52%).
 
Smile added: “The bill recently passed by the House incorporates the reforms that our members care most about. We’ll continue the fight for these critical elements as the Senate takes up its own legislation in the coming weeks. Our members, and all older Americans, are counting on lawmakers to reform the health care system this year.”
 
Starting on Tuesday, November 17th, AARP will launch a new national television ad on a mix of news, lifestyle, cable and sports channels. The ad, entitled “HELP,” demonstrates that people from all walks of life are feeling stranded by the current health care system. It calls attention to the need for the kind of health care reform AARP has been fighting for: reform that will put patients first, protect Medicare, bring down drug costs and ensure that no one can be denied affordable health care because of their age or health history. 
 
AARP Colorado surveyed its members on key health care reform provisions supported by AARP, as well as other contentious issues being discussed in the debate. AARP surveyed its members from October 30 to November 8, 2009 about the current health care reform plan in the House of Representatives. This survey of 401 is representative of AARP members in the state of Colorado and has a margin of error of +/- 4.9
 
AARP is a nonprofit, nonpartisan membership organization that helps people 50+ have independence, choice and control in ways that are beneficial and affordable to them and society as a whole. AARP does not endorse candidates for public office or make contributions to either political campaigns or candidates. We produce AARP The Magazine, the definitive voice for 50+ Americans and the world's largest-circulation magazine with over 35.5 million readers; AARP Bulletin, the go-to news source for AARP's nearly 40 million members and Americans 50+; AARP Segunda Juventud, the only bilingual U.S. publication dedicated exclusively to the 50+ Hispanic community; and our website, AARP.org. AARP Foundation is an affiliated charity that provides security, protection, and empowerment to older persons in need with support from thousands of volunteers, donors, and sponsors. We have staffed offices in all 50 states, the District of Columbia, Puerto Rico, and the U.S. Virgin Islands.

 
Added: November 16, 2009
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Colorado AARP State Office and AARP ElderWatch, an AARP Foundation Program, partnered with program volunteers to Create the Good for a local transitional housing shelter. Led by Julie Mangum, AARP ElderWatch, and Cathy Lasnik, AARP Colorado, the two rallied staff and volunteers to bring in donations for New Genesis, a transitional housing shelter that helps get people back on their feet while they are working to save money for a place of their own. Volunteers and staff worked together by donating toiletries, towels, sheets and business clothing- appropriate for the residents to wear for job interviews.

 
“I am a fairly new employee to the AARP family, and it is a wonderful feeling to work for an organization that has programs and activities such as Create the Good to give back to others”, says Julie Mangum.
 
Added: November 12, 2009
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