Patricia, 52, has been on Social Security Disability with Medicaid for the past 2 years. She automatically received a Part A and Part B Medicare card in the mail and noticed that her Medicaid coverage is ending because her income is too high. How will she pay for her prescription drug coverage? Will she be able to keep her doctors? Patricia wants assistance in understanding what is happening and what, if anything, she can or should do about it.
Maria retired from a large employer 30 years ago. Retiree benefits were discontinued some time later, but she kept the plan and has been paying the premium, which has gradually increased, directly to the insurance company while living on a fixed income. Maria wants to evaluate her options to find out if there are more affordable plans that will maintain her level of coverage for prescriptions and provider visits. She also wants to continue to use her health insurance smoothly, decrease her premium costs, and trust she will have help in the future to manage any changes.
Alan just turned 65 and is getting flooded with mail and phone calls that are causing him concern about the threat of “lifetime penalties” for late enrollment. Alan is unsure if he should stick with his employer’s plan or enroll in Medicare. He’s not sure if he will keep working or not. Alan wants to do everything correctly, save money, and learn about his health insurance choices, including what the rules are for his health savings account.