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Mrs.mTurnermismcomparingmhermemployer'smretireeminsurancemtomOriginalmMedicaremandmwouldmli
kemtomknowmwhichmofmthemfollowingmservicesmOriginalmMedicaremwillmcovermifmthemappropriatemcri
teriamaremmet.mWhatmcouldmyoumtellmher?m-
mCORRECTmANSWERSmOriginalmMedicaremcoversmambulancemservices.
Mrs.mDuartemismenrolledminmOriginalmMedicaremPartsmAmandmB.mShemhasmrecentlymreviewedmhermM
edicaremSummarymNoticem(MSN)mandmdisagreesmwithmamdeterminationmthatmpartiallymdeniedmone
mofmhermclaimsmformservices.mWhatmadvicemwouldmyoumgivemher?m-
mCORRECTmANSWERSmMrs.mDuartemshouldmfilemanmappealmofmthisminitialmdeterminationmwithinm12
0mdaysmofmthemdatemshemreceivedmthemMSNminmthemmail.
Mrs.mGeisler'smneighbormtoldmhermshemshouldmlookmatmhermPartmDmoptionsmduringmthemannualmMe
dicaremenrollmentmperiodmbecausemthemfeaturesmofmPartmDmmightmhavemchanged.mMrs.mGeislermca
n'tmremembermwhatmPartmDmismsomshemcalledmyoumtomaskmwhatmhermneighbormwasmtalkingmabout.m
Whatmcouldmyoumtellmher?m-
mCORRECTmANSWERSmPartmDmcoversmprescriptionmdrugsmandmshemshouldmlookmatmhermpremiums,m
formulary,mandmcost-sharingmamongmothermfactorsmtomseemifmtheymhavemchanged.
Mrs.mParkmismanmelderlymretiree.mMrs.mParkmhasmamlowmfixedmincome.mWhatmcouldmyoumtellmMrs.mP
arkmthatmmightmbemofmassistance?m-
mCORRECTmANSWERSmShemshouldmcontactmhermstatemMedicaidmagencymtomseemifmshemqualifiesmfor
monemofmseveralmprogramsmthatmcanmhelpmwithmMedicaremcostsmformwhichmshemismresponsible.
Mrs.mQuinnmrecentlymturnedm66mandmdecidedmaftermmanymyearsmofmworkmtomretiremandmbeginmrec
eivingmSocialmSecuritymbenefits.mShortlymthereaftermMrs.mQuinnmreceivedmamletterminformingmhermt
hatmshemhadmbeenmautomaticallymenrolledminmMedicaremPartmB.mShemwantsmtomunderstandmwhatmt
hismmeans.mWhatmshouldmyoumtellmMrs.mQuinn?m-
, mCORRECTmANSWERSmPartmBmprimarilymcoversmphysicianmservices.mShemwillmbempayingmammonthlym
premiummand,mexceptmformmanympreventivemandmscreeningmtests,mgenerallymwillmhavem20%mco-
paymentsmformthesemservices,minmadditionmtomanmannualmdeductible.
AnitamMagrimwillmturnmagem65minmAugustm2023.mAnitamintendsmtomenrollminmOriginalmMedicaremPar
tmAmandmPartmB.mShemwouldmalsomlikemtomenrollminmamMedicaremSupplementm(Medigap)mplan.mAnit
a'smoldermneighbormMelmhasmtoldmhermaboutmthemMedigapmPlanmFminmwhichmhemismenrolled.mItmnot
monlymprovidesmforeignmtravelmemergencymbenefitsmbutmalsomcoversmhismMedicaremPartmBmdeducti
ble.mAnitamcomesmtomyoumformadvice.mWhatmshouldmyoumtellmher?m-
mCORRECTmANSWERSmYoumaremsorrymtomdisappointmAnita,mbutmamMedigapmFmplanmismnomlongermav
ailablemtomthosemwhomturnmagem65maftermJanuarym1,m2020.mAnitammightminsteadmconsidermotherm
MedigapmplansmthatmoffermforeignmtravelmbenefitsmbutmdomnotmcovermthemPartmBmdeductible.
Mr.mSinghmwouldmlikemdrugmcoveragembutmdoesmnotmwantmtombemenrolledminmamMedicaremAdvanta
gemplan.mWhatmshouldmyoumtellmhim?m-mCORRECTmANSWERSmMr.mSinghmcanmenrollminmamstand-
alonemprescriptionmdrugmplanmandmcontinuemtombemcoveredmformPartmAmandmPartmBmservicesmthrou
ghmOriginalmFee-for-ServicemMedicare.
Mrs.mChenmwillmbem65msoon,mhasmbeenmamcitizenmformtwelvemyears,mhasmbeenmemployedmfullmtime,
mandmpaidmtaxesmduringmthatmentiremperiod.mShemismconcernedmthatmshemwillmnotmqualifymformcove
ragemundermpartmAmbecausemshemwasmnotmbornminmthemUnitedmStates.mWhatmshouldmyoumtellmher?
m-
mCORRECTmANSWERSmMostmindividualsmwhomaremcitizensmandmagem65mormovermaremcoveredmunder
mPartmAmbymvirtuemofmhavingmpaidmMedicaremtaxesmwhilemworking,mthoughmsomemmaymbemcovered
masmamresultmofmpayingmmonthlympremiums.
Mr.mXimwillmsoonmturnmagem65mandmhasmcomemtomyoumformadvicemasmtomwhatmservicesmaremprovide
dmundermOriginalmMedicare.mWhatmshouldmyoumtellmMr.mXimthatmbestmdescribesmthemhealthmcovera
gemprovidedmtomMedicarembeneficiaries?m-
mCORRECTmANSWERSmBeneficiariesmundermOriginalmMedicaremhavemnomcost-
sharingmformmostmpreventivemservices.