6
6 >>>
6 >>> WE
6 >>> WE WELCOME BACK CATHERINE
FIELD.
FIELD.
FIELD. YOU MUST HAVE A BIG AND ACTIVE
BRAIN.
BRAIN.
BRAIN. THERE'S A LOT GOING ON HERE.
LET'S START WITH WHO'S ELIGIBLE
FOR MEDICARE.
FOR MEDICARE. >> SURE.
>> SURE.
>> SURE. THERE'S -- THESE ARE
COMPLICATED QUESTIONS.
COMPLICATED QUESTIONS. I TRY TO MAKE IT SIMPLE.
ONE IS ANYONE OVER 65.
THE SECOND IS ANYONE WHO IS
DISABLED.
DISABLED.
DISABLED. THE THIRD IS ANYBODY WHO HAS
END-STAGE RENAL
END-STAGE RENAL DISEASE.
DISEASE.
DISEASE. >> AND IF YOU ARE OVER 65, BUT
YOUR SPOUSE IS STILL
WORKING AND HAS INSURANCE, HOW
DOES THAT AFFECT YOU?
>> IT DEPENDS ON WHAT YOU WANT
TO TO.
TO TO.
TO TO. YOU CAN CERTAINLY -- YOU SHOULD
SIGN UP FOR
MEDICARE, AND YOU SHOULD GO
AHEAD AND LOOK AT YOUR
OPTIONS.
OPTIONS.
OPTIONS. YOUR SPOUSE CAN CONTINUE TO
WORK.
WORK.
WORK. IF
WORK. IF YOU HAVE A BENEFIT THROUGH
THEM, THEN MEDICARE
CAN BE A SECONDARY PAYER.
. LIKE MOST OF THESE QUESTIONS,
ASK FOR HELP.
THERE ARE LICENSED PROFESSION
UNLESS WHO CAN REALLY
HELP SORT OF SEPARATE OUT WHAT
YOU NEED TO KNOW AND
WHAT YOU MUST DO.
>> BECAUSE THERE ARE LOT OF
THINGS THAT ARE PECULIAR
TO YOUR SITUATION, AND YOU'VE
GOT TO ASK THE
QUESTION.
QUESTION.
QUESTION. SO SOMEBODY IS ALREADY ON A
MEDICARE PLAN, LET'S
SAY.
SAY.
SAY. DO
SAY. DO THESE PEOPLE REENROLL EVERY
YEAR?
YEAR?
YEAR? >>
YEAR? >> THE OPEN ENROLLMENT PERIOD,
WHICH ACTUALLY STARTS
TOMORROW, THE 15th.
>> AND RUNS THROUGH -- DECEMBER
7th.
7th.
7th. >>
7th. >> IF YOU'RE CURRENTLY ON A
MEDICARE ADVANTAGE PLAN
OR PART B SUPPLEMENT PLAN, ANY
ONE OF THOSE, YOU
DON'T HAVE TO MAKE A CHANGE.
IF YOU'RE HAPPY WITH WHAT YOU
HAVE, YOU CAN JUST
STICK WITH IT.
BUT IT'S ALWAYS -- WE RECOMMEND
FOLKS TAKE A LOOK.
LIFE CIRCUMSTANCES, HEALTH
CONDITIONS CHANGE.
CONDITIONS CHANGE. SO THINK ABOUT WHAT YOU MIGHT
WANT, AND THERE'S LOT
OF NEW PLANS ON THE MARKET,
TOO.
TOO.
TOO. SO
TOO. SO IT'S ALWAYS WORTH TAKING A
LOOK EVERY YEAR AND
REEVALUATING WHAT YOU NEED, AND
ARE YOU ON THE RIGHT
PLAN.
PLAN.
PLAN. >>
PLAN. >> IF YOU STAY ON THE PLAN YOU
HAVE, DO YOU KNOW
THAT IT HASN'T CHANGED, OR DO
YOU NEED TO CHECK THAT
OUT?
OUT?
OUT? >>
OUT? >> IF YOU'RE ON A MEDICARE
ADVANTAGE PLAN, EVERYBODY
WILL RECEIVE IN THE MAIL
SOMETHING CALLED AN ANNUAL
NOTICE OF CHANGE.
SO DON'T THROW YOUR MAIL AWAY.
OPEN IT UP, AND READ IT.
THERE'S A LOT COMING THIS TIME
OF YEAR.
OF YEAR.
OF YEAR. THE ANNUAL NOTICE OF CHANGE
WILL TELL FOLKS WHAT HAS
CHANGED FROM THE PREVIOUS YEAR.
>> OKAY.
>> OKAY.
>> OKAY. SO WHAT ARE SOME OF THE CHOICES
AVAILABLE NOW FOR
THE PEOPLE WHERE ELIGIBLE FOR
MEDICARE?
MEDICARE?
MEDICARE? WHAT ARE THE GENERAL
CATEGORIES?
CATEGORIES? >> SO I TRY TO BREAK IT DOWN
INTO SORT OF THREE MAIN
CHOICES.
CHOICES.
CHOICES. THERE ARE MEDICARE INDIVIDUAL
PLANS, LIKE HUMANA,
AND THESE ARE PRIVATE HEALTH
INSURANCE COMPANIES
INSURANCE COMPANIES PUTTING A PLAN ON THE MARKET.
WE'RE REQUIRED TO COVER EXACTLY
WHATMEDICARE DOES,
WHATMEDICARE DOES, BUT HAS EXTRAS ALONG WITH IT.
THEN THERE ARE PART D, OR YOUR
DRUG BENEFIT.
DRUG BENEFIT. EVERYBODY IS REQUIRED TO HAVE A
DRUG BENEFIT PLAN, A
PART D PLAN.
>> MIGHT THAT BE IN MY
SUPPLEMENTAL?
SUPPLEMENTAL? >> THEN THERE'S SUPPLEMENTALS.
>> OKAY.
>> OKAY.
>> OKAY. >> SO MEDICARE PAYS 80% OF ALL
YOUR COST, AND YOU,
AS THE CONSUMER PAY 20%.
SO A SUPPLEMENT FILLS IN ON
THAT 20%.
THAT 20%.
THAT 20%. >> GOT IT.
>> BUT IF YOU'RE ON A MEDICAL
SUPPLEMENT, YOU ALSO
ARE GOING TO NEED TO PURCHASE
THAT PART D PLAN.
>> GOT IT.
>> FOR THE MEDICARE ADVANTAGE
PLANS, OFTENTIMES THEY
INCLUDE YOUR PART D.
>> THAT MAKES SENSE TO ME.
SO IS THERE ANYTHING NEW ABOUT
MEDICARE THIS YEAR
THAT WE NEED TO BE AWARE OF?
>> WELL, PLANS ARE PLANS ARE
CHANGING ALL THE TIME.
THIS YEAR, CMS ALLOWED HEALTH
PLANS LIKE HUMANA TO
START ADDING BENEFITS THAT
ADDRESS THINGS CALLED
SOCIAL DETERMINATES OF HEALTH.
THOSE ARE THE NONCLINICAL
THINGS THAT IMPACT OUR
HEALTH.
HEALTH.
HEALTH. THAT MIGHT BE HUNGER,
ISOLATION, LONELINESS, ABILITY
GET TO THE DOCTOR, THOSE KIND
OF THINGS.
OF THINGS. SO YOU SEE ON PLANS MORE
TRANSPORTATION BENEFITS,
TRANSPORTATION BENEFITS, SOMETIMES FOOD BENEFITS.
SO THERE'S --
>> THAT'S GOOD.
>> I THINK IT'S REALLY
ADDRESSING A BIG EMPTY SPOT
FOR THE MEDICARE POPULATION.
>> RIGHT.
>> RIGHT.
>> RIGHT. >> THERE'S ALSO -- AFRICAN
STANCE, ON OUR PLANS,
WE'VE READED NATUROPATH.
IT'S AN OPPORTUNITY TO MAKE
CHOICES WHAT TYPE OF
CARE THEY WOULD LIKE TO HAVE.
>> THAT'S REALLY GOOD.
YOU MENTIONED SOME OF THE
LICENSED PROFESSION
LICENSED PROFESSION UNLESS.
UNLESS.
UNLESS. I
UNLESS. I WAS TELLING YOU BEFORE WE
WENT ON THE AIR, I WOULD
SO BE THE PERSON WHO WANTS TO
TALK TO SOMEBODY.
THERE ARE LOT OF QUESTIONS,
AND, YOU KNOW, IT'S HARD
TO FIGURE OUT ON YOUR OWN.
WHAT'S THE BEST WAY FOR PEOPLE
TO GO GET THEIR
QUESTIONS ANSWERED, FIND THESE
THINGS OUT?
THINGS OUT? >> I ALWAYS RECOMMEND --
THERE'S TWO MAJOR AREAS,
WAYS YOU CAN GET HELP.
ONE IS THE GOVERNMENT.
CMS HAS THEIR CMS WEB SITE,
WHICH IS MEDICARE.GOV,
AND THERE'S A PLAN FINDER TOOL
THERE, SO YOU CAN
COMPARE ALL THE PLANS IN THE
MARKET.
MARKET.
MARKET. SO YOU CAN USE THAT AS A TOOL.
YOU CAN CERTAINLY GO TO THE
HUMANA WEB SITE, WHERE
YOU CAN ALSO GET ACCESS TO A
LICENSED PROFESSIONAL.
LICENSED PROFESSIONAL. YOU CAN LOOK FOR SEMINARS IN
THE AREA, BECAUSE
THERE'S LOT OF CHOICES OUT
THERE THIS YEAR, AND YOU
REALLY WANT TO MAKE SURE YOU
GET SOME HELP -- THE
KIND OF HELP YOU NEED.
>> AND IT DOESN'T COST ANYTHING
TO TALK TO SOMEBODY,
RIGHT?
RIGHT?
RIGHT? >>
RIGHT? >> NOT AT ALL.
IT DOESN'T COST ANYTHING.
IT'S FREE, AND THEY'RE, AGAIN,
LICENSED TO
LICENSED TO UNDERSTAND ALL THE TYPES OF
PLANS THAT ARE IN THE
MARKET.
MARKET.
MARKET. >> GREAT.
>> GREAT.
>> GREAT. THE DEADLINE FOR SELECTING 2020
MEDICARE ADVANTAGE
MEDICARE ADVANTAGE PRESCRIPTION DRUG IS?
>> DECEMBER 7th.
>> DECEMBER 7th.
>> THAT WILL BE EASY TO
REMEMBER.
REMEMBER.
REMEMBER. >> BUT THERE IS WHAT'S CALLED
THE OPEN ENROLLMENT
PERIOD THAT CARRIES ON UNTIL
MARCH 31st.
MARCH 31st. SO IF SOMEBODY HAS CHOSEN A
PLAN AND THEY'RE JUST --
GOSH, I DIDN'T THINK IT COVERED
QUITE WHAT I WANTED
TO.
TO.
TO. THEY
TO. THEY STILL HAVE AN OPPORTUNITY
TO STILL CHANGE UP
UNTIL MARCH 21st.
>> OKAY.
>> OKAY.
>> OKAY. THAT'S GOOD.
THAT'S GOOD. WHERE DO WE GO TO FIND OUT MORE
ABOUT HUNANA AND
2020 ADVANTAGE PLANS?
>> AGAIN, HUMANA.COM IS A GREAT
PLACE TO GO.
YOU CAN GOOGLE MEDICARE,
MEDICARE ADVANTAGE.
MEDICARE ADVANTAGE. YOU'LL GET A WHOLE BUNCH OF
CHOICES, BUT THE
MEDICARE.GOV IS ANOTHER GREAT
RESOURCES.
RESOURCES. >> VERY GOOD.
THERE'S LOT OF INFO OUT THERE.
YOU JUST NEED A LITTLE HELP,
MAYBE A FAMILY MEMBER
TO TAG ALONG, AND YOU'RE GOOD.
>> ABSOLUTELY.
>> ABSOLUTELY. BRING A FRIEND ALWAYS.
>> THANK YOU SO MUCH.
TO LEARN MORE ABOUT HUMANA AND
YOUR MEDICARE
YOUR MEDICARE OPTIONS, PLEASE VISIT THE WEB
SITE ON YOUR SCREEN.
>>> WHEN WE COME BACK, A NEW
BOOK ON THE IMPACT OF
ARTIFICIAL INTELLIGENCE ON