November 2013 - Healthcare Marketplace
The Healthcare Marketplace opened October 1 and has been central in the news for months. There continues to be a lot of confusion about it, partially because it is so politicized and partly because lawmakers are barely a half-step ahead of implementation deadlines. I will try to address some key points that you should understand.
First, full disclosure, I do support the concept of affordable health care for all. I also have an adult son who does not have a job that provides healthcare, so I hope this will help him. I appreciate that we have been able to keep the kids on our policy until age 26. I’ve attended several seminars, and have gained understanding but there is still much to learn.
Most of you are covered by Medicare, so the Marketplace does not apply to you. The changes for Medicare recipients mandated by the Affordable Care Act are in place, and include additional prescription coverage in the “donut hole” and more preventive care. Some of you may find that your insurance company is discontinuing your Advantage plan because their extra subsidies were cut, or that doctors are dropping Medicare because of fears of reduced reimbursement or opposition to electronic records. You may have to change providers of medical equipment to a contracted provider. But you also may find that your primary doctor has added services to prevent hospitalization, for which they receive additional incentives.
If you are on Medicare, this is also the time to evaluate your current plan. The Medicare Open Enrollment period is October 1 to December 7. Make sure your plan covers your prescriptions and that you still want the Original or Advantage plan you chose. For help with review or changes, call SHIP at 609-924-2098.
There are also readers who may be eager to explore the Marketplace. Many of you have asked at Engaged Retirement seminars how to get affordable health insurance if you retire (or get laid off) before age 65 and your job won’t continue coverage. The Marketplace is for you. It is also for you if you retire and start Medicare, but your spouse, who was on your plan, is not yet eligible. Some of you may have been helping adult children or grandchildren pay premiums; the Marketplace may help.
Low income individuals should be particularly attentive to New Jersey’s plans for Medicaid Expansion, which will enable adults up to 133% of poverty (single $15282/yr) to receive Medicaid. For information, contact NJFamilyCare. Open enrollment began October 1.
A predictable by-product of any massive and confusing change is that scammers abound. Do not let someone tell you that your Medicare is not valid, that you need to re-enroll, that they’ll help you choose a plan. Sort the real mail from the scams. Official Medicare mail has a government seal or logo. Trust your intuition, call to verify. Don’t give out personal information such as your Medicare number and birthdate. Look up the number and call them back. Report fraud. Ask us or a trusted advisor for help.
The primary website for more information on the Marketplace is www.healthcare.gov. AARP has helpful information and Consumer Reports has created an online guide at HealthLawHelper.org, as well as a ranking of health plans (consumerreports.org/healthinsurancerankings). We’ll pass along other resources as we learn of them.
Susan W. Hoskins LCSW
GrandPals Celebrate 20 Years!
No One Ages Well Alone
Help at Home
November 2016 Family Caregiving
October 2016 Annual Report
September 2016 Corporate Healthcare
Is Your Home Age- Friendly?
May 2016 Director's Message Part 2 - We Need Your Help
May 2016 - Part 1 - Going Solo
April 2016 - Volunteering
March 2016 - Partners In Caring
February 2016 - PSRC's Strategic Plan
January 2016 - Hope
December 2015 - Gratitude
November 2015 - Helicopter Children
October 2015 - Is Princeton An Age Friendly Community?
September 2015 - Annual Report
July & August 2015 - Family and Community
June 2015 - A Gift that Keeps Giving
May 2015 60 Is the New 60
April 2015 - Spring
March 2015 - Being Mortal
February 2015 - Mentoring
January 2015 - Winter Blues
December 2014 - Leaving A Legacy
October 2014 An Age Friendly Future
September 2014 Annual Report
July - August 2014
June 2014 - Romance After 50
May 2014 - Your Virtual Estate
April 2014 - Memory and Forgetting
March 2014 - Aging in Community
February 2014 - Family Caregiving
January 2014 - Attitudes about Aging
December 2013 - Giving
November 2013 - Healthcare Marketplace
October 2013 - Annual Report 2013
September 2013 - Total Brain Health® Fair
July - August 2013 My cat, My Father and Me
June 2013 - Age Friendly Communities
May 2013 - Navigating a Changing HealthCare Landscape
April 2013 - Becoming Visible
March 2013 - Navigating Life’s Transitions
February 2013 - Partners in Caring Princeton
January 2013 - Men as Caregivers
December 2012 - The Safety Net
November 2012 - Going Solo
October 2012 - Documenting Your History
September 2012 - A Journey of Transformation
July - August 2012 - Gratitude & Moving
June 2012 - Diversity
May 2012- Aging in America
APRIL 2012 - TEN YEARS
March 2012 - Patient-centered Care
February 2012 - Can you Spare an Hour?
January 2012 - Challenges & Opportunities
December - Are you Prepared for Emergencies?
November - We need YOU!
October - Chocolate for Memory
September- Looking Back and Looking Forward
July - August 2011; Ageism
June 2011 - Accessibility
May 2011 - Paper retention
Knit Wits, April 2011
Lessons and Legacies, March 2011
Independent Living February 2011
Home Safety January 2011
Witness to my Life December 2010
Elections, benefits and open enrollment November 2010
Retire in 3D!
Am I Old?
Aging In America May 2010
Volunteering April 2010
Spirituality March 2010
Encore Careers January 2010
Hiring Home Care
Annual Giving by
Flu Pandemic 2009 October 2009
Healthy Memory, Healthy Mind
A Personal Perspective on Caregiving
Wei Ji: Crisis, Danger and Opportunity
Write your own obituary
Hope and Vision in Challenging Times
Medicare Changes 2008: Take A Look!
Scams, Frauds and Rip-offs November 2008
Engaged Retirement: Beyond Financial Planning
Finding Rhythm and Purpose
Spring Cleaning II June 2008
V + OA = ER (Volunteering + Older Americans=Engaged Retirement)May 2008
Spring Cleaning April 2008
Have You Had the Talk Yet?
Get Moving with FitRhythms™!
My Condolences January 2008
What Are Social Services? November 2007
Plan for the Future September 2007
The Up-side of Aging Summer 2007
Volunteering June 2007
Strategic Plan May 2007
National Conference on Aging: Let's ReThink Aging April 2007
Brain Health March 2007
Resiliency February 2007
Transportation January 2007
Season of Giving December 2006
Medicare Part D November 2006
April Hill McElroy October 2006
Civic Engagement September 2006
Change June 2006
White House Conference on Aging May 2006
Hearing Loss April 2006
GrandPals March 2006
Lets Talk February 2006
Eldertopia January 2006
Hoarding December 2005
Annual Report: November 2005
Are You Prepared? October 2005
Planning Ahead October 2005
Watch Your Language September 2005
Medicare Part D Summer 2005
Sue Tillett June 2005
The End of the Journey May 2005
Clutter March 2005
New Dietary Guidelines February 2005
Transitions January 2005
Funding December 2004
Caregiving November 2004
Civic Engagement with GrandPals October 2004
A New Look September 2004
Safe Driving Summer 2004
Food Safety June 2004
Communication June 2004
The Challenge of Giving Care May 2004
Seniors On The Move April 2004
Depression March 2004
McGreevey February 2004
Medications January 2004
Random Acts of Kindness December 2003
Civic Engagement November 2003
Reverse Mortgages Oct 2003
Emergency Preparedness, Jan 2003