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our 4th Facebook Live Q&A Session

6/25/2018

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"how much are the Part b premiums and what are IRMas?"

June 25, 2018 (Session 4) Topic: How much are the Part B Premiums? What are IRMAs and how much are they?

Some of the questions that were asked in this Live Video:
- If my 2019 Part B Premiums are based on my 2017 income, can I appeal my 2019 Premiums if my 2019 income will be lower than 2017?

​To get more information, you can go to our website (www.senior-advisors.com) or you can call me directly at 908-481-5651 with any Medicare-related questions. You can follow us on Facebook to join our future Live weekly Q&A sessions -
https://goo.gl/MqFzUn
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"$77,000 Bill ... You may owe $0"

6/18/2018

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Medicare Supplements are the best Medical Coverage you will ever have.

Check out this email we received on Friday from one of our clients who is VERY happy we helped him enroll in the right Medicare Supplements.

Even though there were no obvious medical conditions ("You never think it can happen to you..."), he was very glad he had the right Medicare Supplement insurance for him and his wife.

​
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Our Third Facebook Live Q&A Session

6/18/2018

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​"What is Covered by Part B of Medicare?"

June 18, 2018 (Session 3) Topic: What is covered by Part B of Medicare?

We also briefly touched on a testimonial email received last week from a client who received a bill for $77,000 but owed $0.

Some of the questions that were asked in this Live Video:
- How do I sign-up for Medicare Part A & B?
- Are Part B Excess Charges Prohibited in PA?
- What other states prohibit Part B excess charges?

​To get more information, you can go to our website (www.senior-advisors.com) or you can call me directly at 908-481-5651 with any Medicare-related questions. You can follow us on Facebook to join our future Live weekly Q&A sessions -
https://goo.gl/MqFzUn
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2018 Medicare Trustees Report Released

6/11/2018

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Two years ago, I reviewed the 2016 Medicare Trustees Report in detail and the 2018 report continues to use the same boilerplate template.  Some big changes in this year's report are:
  • a projection for the Hospital Trust Fund (Part A) to run out of money in 2026 (three years sooner than the 2017 report, and two years sooner than the 2016 report projected).
  • a projection that 2017 will be the last year that the Hospital Trust fund runs a surplus 
  • a Medicare Funding Warning - a requirement by law that "the President must submit to Congress proposed legislation to respond to the warning within 15 days after the submission of the Fiscal Year 2020 Budget. Congress is then required to consider the legislation on an expedited basis."  (The 2019 budget was released in February 2018, so one might expect the 2020 budget to arrive around February 2019).

Motley Fool wrote a good article about the 2018 Trustees report which discusses a couple of potential solutions that are highlighted in the report.
  • Raising the Medicare Qualifying age from 65 to 67
  • Increasing Payroll Taxes slightly from 2.9% (1.45% each for employees and employers) to a new rate of 3.72% (1.86% each)

Obviously further details would need to be hashed out (e.g. for people born in what year would the new Medicare qualifying age begin?), but I believe both of these are viable options and I hope that our government acts quickly and proposes some changes to help sustain the Medicare system for the long-term since it is such a great form of Health Insurance.
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Our 2nd Facebook LIve Q&A Session

6/11/2018

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What is covered by Part A of Medicare? ​

June 11, 2018 (Session 2) Topic: What is covered by Part A of Medicare?

We also briefly touched on the 2018 Medicare Trustees Report and the latest projection for the Part A Hospital Insurance Fund to run out of money by 2026.

Some of the questions that were asked in this Live Video:

- Who pays a monthly premium for Part A (and how much is it)?
- Could you explain the "first 3 pints of blood" that are not covered by Part A of Medicare?
- If the government changes the qualifying age from age 65 to age 67 (or any age), who will be impacted by this change?
- How does one qualify for Skilled Nursing Facility Care under Part A of Medicare?
- Is an ER visit covered by Part A of Medicare?
- Can I qualify for Medicare based on my ex-husband's contributions to Medicare?
- Is it worth getting a Medicare Supplement if you don't have major health issues?

​To get more information, you can go to our website (www.senior-advisors.com) or you can call me directly with any Medicare-related questions. You can follow us on Facebook to join our future Live weekly Q&A sessions -
https://goo.gl/MqFzUn
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Our 1st Facebook Live Q&A Session

6/4/2018

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What is Medicare and Who Qualifies? ​

We started a new weekly Live Q&A session on Facebook for Medicare related questions.

The format for these weekly FB Live sessions is a brief topic of discussion (3-5 minutes) following by Live Q&A (10-20 minutes).

The Live Q&A can be for ANY medicare related question - it does not have to relate to the Topic being discussed that week.

June 4, 2018 (Session 1) Topic: What is Medicare and Who Qualifies?

Some of the questions that were asked in this Live Video:
- Does Medicare cover Cataract Surgery?
- Can I continue to contribute to a Health Savings Account?
- How is Care/Insurance Coordinated between Retiree Health Plan and Medicare?
- Do I need to sign-up for Part D if I am not taking any Medications?
- Do Medicare plans need to be renewed annually?
- Will any doctor accept Medicare?
- How are IRMAs changing for 2019?

​To get more information, you can go to our website (www.senior-advisors.com) or you can call me directly with any Medicare-related questions. You can follow us on Facebook to join our future Live weekly Q&A sessions -
https://goo.gl/MqFzUn
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    Justin Lubenow

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Moorestown Office |  214 W. Main Street, Suite 101, Moorestown, NJ 08057 | Tel:856-866-8900
 Servicing Moorestown, Cherry Hill, Mount Laurel, Haddonfield, Voorhees, Medford, Marlton,  Philadelphia, surrounding towns, and licensed in 30+ other states as well.
 
Cranford Office        |  15 Alden Street, Suite 8, Cranford, NJ 07016                  | Tel: 908-272-1970 
 Servicing Cranford, Westfield, Summit, Scotch Plains, Mountainside, Berkeley Heights, New      Providence, Basking Ridge, surrounding towns, and licensed in 30+ other states as well.
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71283. Phoenix, AZ 85050.                                         | Tel:  602- 996-1549
Servicing Phoenix, Scottsdale, Peoria, Sun City, Sun City West, Paradise Valley, Fountain Hills, Cave Creek, surrounding towns and licensed in 30+ other states as well.

Email:  info@senior-advisors.com                                     (Se Habla Español -Tel: 908.481.5678)   

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  • Home
  • FREE Quotes
  • About YOU
    • Turning 65, Ready to enroll?
    • Working Past Age 65?
    • Already on Medicare, Looking to Save Money?
    • Currently on a Retiree Plan?
  • About Us
  • Products
    • Medicare Supplements & Medicare Advantage >
      • Medicare Supplement - Plan F >
        • Plan F (2022)
        • Plan F (2023)
      • Medicare Supplement - Plan G >
        • Plan G (2022)
        • Plan G (2023)
      • Medicare Supplement - Plan N >
        • Plan N (2022)
        • Plan N (2023)
    • Medicare Part D - Prescription
    • Medicare & Dental
    • International Travel
    • Long-Term Care Insurance
    • Cancer and Heart Attack or Stroke Insurance
    • Medigap Plans
  • Workshops
    • Register for Workshop
    • Watch Workshop Now
  • Carrier Partners
  • Medicare Blog
  • Testimonials
  • Contact Us
  • Become an Agent
  • Areas We Serve
    • Basking Ridge, NJ
    • Livingston NJ
    • Medford, NJ
    • Mountainside, NJ
    • Mount Laurel, NJ
    • Philadelphia, PA
    • Phoenix, AZ
    • Scotch Plains, NJ
    • Scottsdale, AZ
    • Short Hills, NJ
    • Summit, NJ
    • Westfield, NJ
    • Princeton, NJ
    • Washington Township
    • Monroe Township, NJ
  • Medicare FAQs
  • Coffee with Justin
  • Medicare Minute