Basic Plan helps cover Medicare's Parts A and B coinsurance, hospice care coinsurance, skilled nursing facility coinsurance, Home Health Care Services, Medical Supplies, and foreign travel emergency care. Extended Basic Plan provides the same benefits listed for the Basic Plan, plus benefits for Medicare's Part A hospital deductible, Medicare's Part B deductible, non-Medicare eligible expenses, and preventive medical care when not paid by Medicare.
Yes. Some plans offer discounts if you’re married (studies show that married couples tend to be healthier – as they encourage each other to eat nutritious meals, exercise, and see a doctor). You can also possibly cut your rate if you’re a non-smoker, as you’ll likely have fewer health risks. Or you may be able to save by paying annually or via electronic funds transfer. Even if the website or brochure you’re studying doesn’t mention anything about discounts – ask.
If you’re eligible at age 65, your initial enrollment period begins three months before your 65th birthday, includes the month you turn age 65, and ends three months after that birthday. However, if you don’t enroll in Medicare Part B during your initial enrollment period, you have another chance each year to sign up during a “general enrollment period” from January 1 through March 31. Your coverage begins on July 1 of the year you enroll. Read our Medicare publication for more information.
In 2018, Medicare spending was over $740 billion, about 3.7% of U.S. gross domestic product and over 15% of total US federal spending.[19] Because of the two Trust funds and their differing revenue sources (one dedicated and one not), the Trustees analyze Medicare spending as a percent of GDP rather than versus the Federal budget. According to the 2019 Trustees Report, "The Trustees are issuing a determination of projected excess general revenue Medicare funding in this report because the difference between Medicare’s total outlays and its dedicated financing sources6 is projected to exceed 45 percent of outlays within 7 years. Since this determination was made last year (2018) as well, this year’s determination triggers a Medicare funding warning, which (i) requires the President to submit to Congress proposed legislation to respond to the warning within 15 days after the submission of the Fiscal Year 2021 Budget and (ii) requires Congress to consider the legislation on an expedited basis. This is the third consecutive year that a determination of excess general revenue Medicare funding has been issued, and the second consecutive year that a Medicare funding warning has been issued."

The Medicare Rights Center has an interactive tool that provides easy-to-use information about enrollment and plan options. And if you want state-specific details, the State Health Insurance Assistance Program (SHIP) can tell you more about offerings in your area. To find your state’s SHIP program, go to Shiptacenter.org or call 877-839-2675 to talk to a trained counselor.
These coverage gaps mean that a particularly bad health year could leave a patient with tens of thousands of dollars in hospital bills. That's why most people purchase Medicare supplement insurance, also called Medigap, or enroll in Part C, a Medicare Advantage Health Plan. Both options are offered by private insurance companies. They do, however, have to follow Medicare guidelines in what they are allowed to sell.
If you are one of millions of Americans working after 65, your employer health insurance coverage may be all you need for now. Medicare supplement open enrollment generally won’t begin for you until you enroll in Medicare Part B. If you haven’t enrolled in Part B yet, you should consider waiting to enroll until you are ready for your Medicare supplement open enrollment to begin. There are some notable exceptions for Part B and employer coverage.
As a Medicare recipient, you have choices for your healthcare. If you still have job-related health insurance, for instance, you may not need to enhance your Medicare benefits and can delay enrollment in either Medicare Advantage Plans or Minnesota Medigap plans. If not, you should know that Part A and Part B of Medicare include many deductibles and copays.
Starting January 1, 2020, Medigap plans sold to new people with Medicare won’t be allowed to cover the Part B deductible. Because of this, Plans C and F will no longer be available to people new to Medicare starting on January 1, 2020. If you already have either of these 2 plans (or the high deductible version of Plan F) or are covered by one of these plans before January 1, 2020, you’ll be able to keep your plan. If you were eligible for Medicare before January 1, 2020, but not yet enrolled, you may be able to buy one of these plans.
There have been a number of criticisms of the premium support model. Some have raised concern about risk selection, where insurers find ways to avoid covering people expected to have high health care costs.[123] Premium support proposals, such as the 2011 plan proposed by Senator Ron Wyden and Rep. Paul Ryan (R–Wis.), have aimed to avoid risk selection by including protection language mandating that plans participating in such coverage must provide insurance to all beneficiaries and are not able to avoid covering higher risk beneficiaries.[124] Some critics are concerned that the Medicare population, which has particularly high rates of cognitive impairment and dementia, would have a hard time choosing between competing health plans.[125] Robert Moffit, a senior fellow of The Heritage Foundation responded to this concern, stating that while there may be research indicating that individuals have difficulty making the correct choice of health care plan, there is no evidence to show that government officials can make better choices.[121] Henry Aaron, one of the original proponents of premium supports, has recently argued that the idea should not be implemented, given that Medicare Advantage plans have not successfully contained costs more effectively than traditional Medicare and because the political climate is hostile to the kinds of regulations that would be needed to make the idea workable.[120]

As of January 1, 2016, Medicare's unfunded obligation over the 75 year timeframe is $3.8 trillion for the Part A Trust Fund and $28.6 trillion for Part B. Over an infinite timeframe the combined unfunded liability for both programs combined is over $50 trillion, with the difference primarily in the Part B estimate.[88][90] These estimates assume that CMS will pay full benefits as currently specified over those periods though that would be contrary to current United States law. In addition, as discussed throughout each annual Trustees' report, "the Medicare projections shown could be substantially understated as a result of other potentially unsustainable elements of current law." For example, current law effectively provides no raises for doctors after 2025; that is unlikely to happen. It is impossible for actuaries to estimate unfunded liability other than assuming current law is followed (except relative to benefits as noted), the Trustees state "that actual long-range present values for (Part A) expenditures and (Part B/D) expenditures and revenues could exceed the amounts estimated by a substantial margin."
Part B also helps with durable medical equipment (DME), including but not limited to canes, walkers, lift chairs, wheelchairs, and mobility scooters for those with mobility impairments. Prosthetic devices such as artificial limbs and breast prosthesis following mastectomy, as well as one pair of eyeglasses following cataract surgery, and oxygen for home use are also covered.[44]

Complex rules control Part B benefits, and periodically issued advisories describe coverage criteria. On the national level these advisories are issued by CMS, and are known as National Coverage Determinations (NCD). Local Coverage Determinations (LCD) apply within the multi-state area managed by a specific regional Medicare Part B contractor (which is an insurance company), and Local Medical Review Policies (LMRP) were superseded by LCDs in 2003. Coverage information is also located in the CMS Internet-Only Manuals (IOM), the Code of Federal Regulations (CFR), the Social Security Act, and the Federal Register.


If you have special health care or financial needs, you may qualify for a Special Needs Plan. All Special Needs Plans include drug coverage. Other benefits may include coordination of care, transportation to and from medical appointments, credits to buy everyday health items, and routine vision and dental coverage. There are four main types of Special Needs Plans:
For a Medigap plan, you pay a monthly premium to the insurance company in addition to your Medicare Part B premium. The cost of your Medigap policy depends on the type of plan you buy, the insurance company, your location, and your age. A standardized Medigap policy is guaranteed renewable -- even if you have health problems -- if you pay your premiums on time.
"I provide Therapy regarding depression, marriage counseling, couples counseling, women's issues, trauma, abuse, PTSD, LGBTQ and Trans specific issues, etc. I work with a variety of people who are at different places in their lives. As a Therapist I offer a personalized approach that is tailored to each client's needs, focusing on the personal growth that each person desires. My therapeutic style is active and engaging, with the intention of fostering insight, awareness and facilitating desired change. My counseling group also offers a variety of support groups when needed. Please take that first step, call to inquire."
There is some controversy over who exactly should take responsibility for coordinating the care of the dual eligibles. There have been some proposals to transfer dual eligibles into existing Medicaid managed care plans, which are controlled by individual states.[143] But many states facing severe budget shortfalls might have some incentive to stint on necessary care or otherwise shift costs to enrollees and their families to capture some Medicaid savings. Medicare has more experience managing the care of older adults, and is already expanding coordinated care programs under the ACA,[144] though there are some questions about private Medicare plans' capacity to manage care and achieve meaningful cost savings.[145]
If you are a Minnesota beneficiary and considering enrollment in a Medicare Advantage plan, it is important to compare and evaluate the Medicare plan options available to you. While similar Medicare Advantage plans may be offered throughout the state, the cost for premiums may vary depending on your county of residence. You should also take note that some Medicare Advantage plans in Minnesota may offer monthly premiums as low as $0. If your service area offers a Medicare Advantage plan with a $0 premium, keep in mind that the plan may still include other costs besides the premium, such as copayments, coinsurance, and deductibles. In addition, you must still pay your Medicare Part B premium.
A: In the initial phase of Part D coverage, you pay roughly 25 percent of the plan's cost for the drug. When you and the drug plan have paid a total of $3,700 for drugs in 2017, you enter the coverage gap or doughnut During this second phase, you will pay no more than 40 percent of the plan's price for a brand-name drug and 51 percent for a generic drug. — Read Full Answer
No. Plan G covers less than Medicare supplemental Plan F. You pay your own Part B deductible. However, you get lower premiums for Plan G, and sometimes that makes it a better value. Be sure to compare the numbers. In my opinion, the best Medicare plan is the one that will cost you the least annual out-of-pocket spending and has the lowest rate increases in recent years.

The Minnesota Board on Aging (MBA) may be helpful for seniors seeking a wide range of information. The office provides education in a broad range of areas, including health-care coverage and Medicare plans. The office was first established in 1956. Since that time, seniors have been able to turn to the Minnesota Board of Aging for a variety of programs, including:


If you are going to buy a Medigap plan, the open enrollment period is six months from the first day of the month of your 65th birthday -- as long as you are also signed up for Medicare Part B -- or within six months of signing up for Medicare Part B. During this time, you can buy any Medigap policy at the same price a person in good health pays. If you try to buy a Medigap policy outside this window, there is no guarantee that you'll be able to get coverage. If you do get covered, your rates might be higher.
Of the more than 300,000 people losing their Cost plans in Minnesota, it’s likely that roughly 100,000 people will be automatically enrolled into a comparable plan with their current insurer, Corson said, unless they make another selection. Details haven’t been finalized, he said. That likely will leave another 200,000 people, he said, who will need to be proactive to obtain new replacement Medicare coverage.
We found policies that ranged in price from less than $100/month for basic coverage to thousands for maximum protection. There’s no “normal” number, as there are so many factors in play like where you live, your age and needs. A ballpark figure is a couple hundred dollars a month for standard coverage. However, it’s basic economics – the more supplemental insurance you want, the greater the cost.
Because Medicare offers statutorily determined benefits, its coverage policies and payment rates are publicly known, and all enrollees are entitled to the same coverage. In the private insurance market, plans can be tailored to offer different benefits to different customers, enabling individuals to reduce coverage costs while assuming risks for care that is not covered. Insurers, however, have far fewer disclosure requirements than Medicare, and studies show that customers in the private sector can find it difficult to know what their policy covers.[78] and at what cost.[79] Moreover, since Medicare collects data about utilization and costs for its enrollees—data that private insurers treat as trade secrets—it gives researchers key information about health care system performance.
Medicare Part D went into effect on January 1, 2006. Anyone with Part A or B is eligible for Part D, which covers mostly self-administered drugs. It was made possible by the passage of the Medicare Modernization Act of 2003. To receive this benefit, a person with Medicare must enroll in a stand-alone Prescription Drug Plan (PDP) or public Part C healh plan with integrated prescription drug coverage (MA-PD). These plans are approved and regulated by the Medicare program, but are actually designed and administered by various sponsors including charities, integrated health delivery systems, unions and health insurance companies; almost all these sponsors in turn use pharmacy benefit managers in the same way as they are used by sponsors of health insurance for those not on Medicare. Unlike Original Medicare (Part A and B), Part D coverage is not standardized (though it is highly regulated by the Centers for Medicare and Medicaid Services). Plans choose which drugs they wish to cover (but must cover at least two drugs in 148 different categories and cover all or "substantially all" drugs in the following protected classes of drugs: anti-cancer; anti-psychotic; anti-convulsant, anti-depressants, immuno-suppressant, and HIV and AIDS drugs). The plans can also specify with CMS approval at what level (or tier) they wish to cover it, and are encouraged to use step therapy. Some drugs are excluded from coverage altogether and Part D plans that cover excluded drugs are not allowed to pass those costs on to Medicare, and plans are required to repay CMS if they are found to have billed Medicare in these cases.[48]
On January 1, 1992, Medicare introduced the Medicare Fee Schedule (MFS), a list of about 7,000 services that can be billed for. Each service is priced within the Resource-Based Relative Value Scale (RBRVS) with three Relative Value Units (RVUs) values largely determining the price. The three RVUs for a procedure are each geographically weighted and the weighted RVU value is multiplied by a global Conversion Factor (CF), yielding a price in dollars. The RVUs themselves are largely decided by a private group of 29 (mostly specialist) physicians—the American Medical Association's Specialty Society Relative Value Scale Update Committee (RUC).[57]
Are you tired of paying for all of your healthcare costs? Even if you are under certain Medicare Advantage plans, you can still be on the hook for a lot of costs. Luckily, we can help you find the best Medicare Advantage plans in Minnesota for 2019 that will help you pay for these expenses. Then, you can enjoy retirement instead of worrying so much about money concerning your healthcare.

As of 2016, 11 policies are currently sold—though few are available in all states, and some are not available at all in Massachusetts, Minnesota and Wisconsin. These plans are standardized with a base and a series of riders. These are Plan A, Plan B, Plan C, Plan D, Plan F, High Deductible Plan F, Plan G, Plan K, Plan L, Plan M, and Plan N. Cost is usually the only difference between Medigap policies with the same letter sold by different insurance companies in the same state. Unlike public Part C Medicare health Plans, Medigap plans have no networks, and any provider who accepts Original Medicare must also accept Medigap.


"I work primarily with adults on an individual, couple or family basis concerning relationship and mental health issues. Unless the focus is family therapy, I rarely see persons under 18. I am licensed as a clinical social worker(LCSW) and as a marriage and family therapist(LMFT)and a clinical member of the American Association for Marriage and Family Therapy(AAMFT). I have been in practice since 1980 in Morganton and have experience in in-patient and out-patient mental health, individual, marital therapy and developmental disabilities. I see older adults with life transition concerns."
Robert M. Ball, a former commissioner of Social Security under President Kennedy in 1961 (and later under Johnson, and Nixon) defined the major obstacle to financing health insurance for the elderly: the high cost of care for the aged combined with the generally low incomes of retired people. Because retired older people use much more medical care than younger employed people, an insurance premium related to the risk for older people needed to be high, but if the high premium had to be paid after retirement, when incomes are low, it was an almost impossible burden for the average person. The only feasible approach, he said, was to finance health insurance in the same way as cash benefits for retirement, by contributions paid while at work, when the payments are least burdensome, with the protection furnished in retirement without further payment.[97] In the early 1960s relatively few of the elderly had health insurance, and what they had was usually inadequate. Insurers such as Blue Cross, which had originally applied the principle of community rating, faced competition from other commercial insurers that did not community rate, and so were forced to raise their rates for the elderly.[98]
No part of Medicare pays for all of a beneficiary's covered medical costs and many costs and services are not covered at all. The program contains premiums, deductibles and coinsurance, which the covered individual must pay out-of-pocket. A study published by the Kaiser Family Foundation in 2008 found the Fee-for-Service Medicare benefit package was less generous than either the typical large employer preferred provider organization plan or the Federal Employees Health Benefits Program Standard Option.[49] Some people may qualify to have other governmental programs (such as Medicaid) pay premiums and some or all of the costs associated with Medicare.
Most Medicare Part B enrollees pay an insurance premium for this coverage; the standard Part B premium for 2019 is $135.50 a month. A new income-based premium surtax schema has been in effect since 2007, wherein Part B premiums are higher for beneficiaries with incomes exceeding $85,000 for individuals or $170,000 for married couples. Depending on the extent to which beneficiary earnings exceed the base income, these higher Part B premiums are from 30% to 70% higher with the highest premium paid by individuals earning more than $214,000, or married couples earning more than $428,000.[52]
Some Medicare supplemental insurance (or "Medigap") plans cover all of an enrollee's cost-sharing, insulating them from any out-of-pocket costs and guaranteeing financial security to individuals with significant health care needs. Many policymakers believe that such plans raise the cost of Medicare by creating a perverse incentive that leads patients to seek unnecessary, costly treatments. Many argue that unnecessary treatments are a major cause of rising costs and propose that people with Medicare should feel more of the cost of their care to create incentives to seek the most efficient alternatives. Various restrictions and surcharges on Medigap coverage have appeared in recent deficit reduction proposals.[151][152][153] One of the furthest-reaching reforms proposed, which would prevent Medigap from covering any of the first $500 of coinsurance charges and limit it to covering 50 percent of all costs beyond that, could save $50 billion over 10 years.[154] But it would also increase health care costs substantially for people with costly health care needs.
Plan Benefits Plan A Plan B Plan C Plan F2 Plan G Plan K Plan L Plan N Medicare Part A coinsurance and coverage for hospital benefits Included Included Included Included Included Included Included $20 copay for office visits; $50 copay for ER Medicare Part B coinsurance or copayment Included Included Included Included Included 50% 75% Included Blood (first three pints) Included Included Included Included Included 50% 75% Included Hospice Care coinsurance or copayment Included Included Included Included Included 50% 75% Included Skilled Nursing Facility Care coinsurance Included Included Included 50% 75% Included Medicare Part A deductible Included Included Included Included 50% 75% Included Medicare Part B deductible Included Included Medicare Part B excess charges Included Included Foreign Travel Emergency (up to plan limits) Included Included Included Included
"Asking for help can be scary, but taking that first step can change your life for the better. If you are ready to start taking control of your life, I am here to help. My goal as a therapist is to help my clients create the life they envision for themselves. For some, that may be having stronger and healthier relationships. For others, it may be developing a deeper love for oneself. You may wish to advance in your career, be a better parent, or heal the wounds of trauma. If you are picturing a different life for yourself, now may the time to start making that picture a reality. "
The intention of both the 1997 and 2003 law was that the differences between fee for service and capitated fee beneficiaries would reach parity over time and that has mostly been achieved, given that it can never literally be achieved without a major reform of Medicare because the Part C capitated fee in one year is based on the fee for service spending the previous year.
With the passage of the Balanced Budget Act of 1997, Medicare beneficiaries were formally given the option to receive their Original Medicare benefits through capitated health insurance Part C health plans, instead of through the Original fee for service Medicare payment system. Many had previously had that option via a series of demonstration projects that dated back to the early 1970s. These Part C plans were initially known in 1997 as "Medicare+Choice". As of the Medicare Modernization Act of 2003, most "Medicare+Choice" plans were re-branded as "Medicare Advantage" (MA) plans (though MA is a government term and might not even be "visible" to the Part C health plan beneficiary). Other plan types, such as 1876 Cost plans, are also available in limited areas of the country. Cost plans are not Medicare Advantage plans and are not capitated. Instead, beneficiaries keep their Original Medicare benefits while their sponsor administers their Part A and Part B benefits. The sponsor of a Part C plan could be an integrated health delivery system or spin-out, a union, a religious organization, an insurance company or other type of organization.

We evaluated 10 well-known Medicare supplement insurance plans, and after careful review identified the eight best options for 2019. To draw our conclusions, we checked with customers in the market, reviewed data and consulted insurance experts. In summary, no one plan is best for all situations, so we recommend shopping around using a Medicare expert like United Medicare Advisors to compare plans. The eight Medicare supplement insurance companies we think are worth your consideration include: United Medicare Advisors, Cigna, Mutual of Omaha, Medicare.net, Humana, Blue Cross Blue Shield, Aetna and AARP by United Healthcare.
You should always compare your Medicare insurance options before the Annual Election Period because plans change. It’s critically important to anticipate likely changes to Minnesota Medicare Advantage plans in 2019 for one important reason. While nothing has been finalized as of this article, it’s likely that the government will reduce or eliminate Medicare Cost Plans within many counties of this state.

We provide our Q1Medicare.com site for educational purposes and strive to present unbiased and accurate information. However, Q1Medicare is not intended as a substitute for your lawyer, doctor, healthcare provider, financial advisor, or pharmacist. For more information on your Medicare coverage, please be sure to seek legal, medical, pharmaceutical, or financial advice from a licensed professional or telephone Medicare at 1-800-633-4227.
"Welcome. You might be looking for a guide through troubled waters for yourself or someone you care about. I enjoy working with people who desire to live authentic lives and grow to their full potential. I can improve understanding of your symptoms, but each of us are unique individuals with differences in responses, I treat people, not diagnosis. I enjoy working with professionals and couples. I see everyone as a work in progress. I consider therapy a journey we take together that is rich in meaning and fulfillment. We are body, mind and spirit and I use a wholeness approach."

If you have special health care or financial needs, you may qualify for a Special Needs Plan. All Special Needs Plans include drug coverage. Other benefits may include coordination of care, transportation to and from medical appointments, credits to buy everyday health items, and routine vision and dental coverage. There are four main types of Special Needs Plans:
How to find private health insurance Health insurance can be costly, and insurers are firm about applying their often rigid policies. There are many factors in choosing cover for you and your family that can alter both the price and the treatments available in the plan, as well as the way the plan works. Read on for help in choosing a plan. Read now
In most states, Medigap insurance plans have the same standardized benefits for each letter category. This means that the basic benefits for a Plan A, for example, is the same across every insurance company that sells Plan A, regardless of location. This makes it easy to compare Medicare Supplement insurance plans because the main difference between plans of the same letter category will be the premium cost.
Just to make life truly confusing, the various options offered by Medigap are also sorted by letter. The choices are Plans A, B, C, D, F, G, K, L, M, and N. What these plans include is standardized by Medicare. The cost for them can vary, however, so it's worth shopping around. Joseph Graves, insurance agent and founder of “I Hate Buying Insurance,” says many people enroll in Plan F, the most expensive choice, because it covers nearly all the gaps. A person with Plan F coverage will have few or no out-of-pocket expenses, however, by the end of 2019, plan F will no longer be available to new Medicare enrollees.
As you can see, you have a lot of good choices if you want to compare Medicare Advantage plans in Minnesota for 2019. Calling all of these companies can be difficult and can take forever, but you don’t have to do that to find pricing information. Instead, you can pull it all up with our quote request form, making a comparison easier than it might have ever been before.
"I assist adults seeking help with depression, anxiety, panic, stress, OCD, trauma, anger, relationship problems, career concerns, loss, meaning, mortality and other issues. Whether individual or couple, I tailor an approach specific to your need. Existential therapy is my foundation though I use an eclectic approach and draw upon various therapies. Therapy may be brief in duration or lengthy. It is sometimes uncomfortable - the "price" of honest introspection and change. I don't have your "answer" but will help you seek it. I strive - in the words of Irvin Yalom - to help "remove obstacles blocking the patient's path"."
To help protect your identity, Medicare has sent you a new Medicare card. Your new card will have a new Medicare Number that’s unique to you, instead of your Social Security Number. If you did not receive your new Medicare card, there may be something that needs to be corrected, like your mailing address. You can update your mailing address by logging in to or creating your personal my Social Security account.
More limited income-relation of premiums only raises limited revenue. Currently, only 5 percent of Medicare enrollees pay an income-related premium, and most only pay 35 percent of their total premium, compared to the 25 percent most people pay. Only a negligible number of enrollees fall into the higher income brackets required to bear a more substantial share of their costs—roughly half a percent of individuals and less than three percent of married couples currently pay more than 35 percent of their total Part B costs.[149]
There is some evidence that claims of Medigap's tendency to cause over-treatment may be exaggerated and that potential savings from restricting it might be smaller than expected.[155] Meanwhile, there are some concerns about the potential effects on enrollees. Individuals who face high charges with every episode of care have been shown to delay or forgo needed care, jeopardizing their health and possibly increasing their health care costs down the line.[156] Given their lack of medical training, most patients tend to have difficulty distinguishing between necessary and unnecessary treatments. The problem could be exaggerated among the Medicare population, which has low levels of health literacy.[full citation needed]

Plan Benefits Plan A Plan B Plan C Plan F2 Plan G Plan K Plan L Plan N Medicare Part A coinsurance and coverage for hospital benefits Included Included Included Included Included Included Included $20 copay for office visits; $50 copay for ER Medicare Part B coinsurance or copayment Included Included Included Included Included 50% 75% Included Blood (first three pints) Included Included Included Included Included 50% 75% Included Hospice Care coinsurance or copayment Included Included Included Included Included 50% 75% Included Skilled Nursing Facility Care coinsurance Included Included Included 50% 75% Included Medicare Part A deductible Included Included Included Included 50% 75% Included Medicare Part B deductible Included Included Medicare Part B excess charges Included Included Foreign Travel Emergency (up to plan limits) Included Included Included Included
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