Health Care & Medicare Insurance Plans in Winter Park, Florida

02/26/2024

https://mailchi.mp/medicarerights.org/extra-help-spap-294582?e=87f24224c5

Dear Ralph,   Yes! Good news from Medicare! It is now covering prescriptions for the oral antiviral COVID-19 treatment, Paxlovid, through the end of 2024. You can access it in a couple of different ways. 

01/04/2024

https://www.medicarerights.org/medicare-watch/2024/01/04/few-beneficiaries-know-part-d-out-of-pocket-cap-now-in-effect?utm_source=Medicare%20Rights%20Center&utm_campaign=0f8f9a45e4-medicare-watch-01042024&utm_medium=email&utm_term=0_1c591fe07f-0f8f9a45e4-84731581&mc_cid=0f8f9a45e4

A newly effective Inflation Reduction Act (IRA) provision is improving prescription drug affordability for many people with Medicare Part D — but too few know about it, potentially limiting its efficacy. As of January 1, 2024, Part D enrollees are no longer required to pay 5% coinsurance after the...

01/02/2024

The same MEDICARE PLAN or HEALTH CARE INSURANCE PLAN is not right for everyone. If you live in Florida I can help You! Call Me at 321-972-4505 or fill out the contact form below so that I may send you some plan materials to compare, as well as answer your questions!

Partnered with United Healthcare, Golden Rule, and International Medical Group, Inc. Insurance Companies. ​

THE OPPORTUNITY TO ASSIST YOU IS AN HONOR! ​

I provide Health Care and Medicare Plan Guidance, Evaluations, Assessments, and Enrollment in Florida. Contact me for a Confidential Personal Evaluation and Assessment of your MEDICARE PLAN and HEALTH CARE INSURANCE NEEDS. ​

Accessing the right doctors, hospitals, and other providers for your specific needs is important. I'm here to help you with these important decisions as well. Having worked on the provider side of health care is a big piece of what I will bring to the table. ​

My goal is to help you and make health care work better for you! That way, you live a healthier life. Happy, Well Advised Clients. That's it! Let's talk for a few minutes! Or, just send me an email.
JamesBledsoeJr.com

01/02/2024

The same MEDICARE PLAN or HEALTH CARE INSURANCE PLAN is not right for everyone. If you live in Florida I can help You! Call Me at 321-972-4505 or fill out the contact form below so that I may send you some plan materials to compare, as well as answer your questions!

Partnered with United Healthcare, Golden Rule, and International Medical Group, Inc. Insurance Companies. ​

THE OPPORTUNITY TO ASSIST YOU IS AN HONOR! ​

I provide Health Care and Medicare Plan Guidance, Evaluations, Assessments, and Enrollment in Florida. Contact me for a Confidential Personal Evaluation and Assessment of your MEDICARE PLAN and HEALTH CARE INSURANCE NEEDS. ​

Accessing the right doctors, hospitals, and other providers for your specific needs is important. I'm here to help you with these important decisions as well. Having worked on the provider side of health care is a big piece of what I will bring to the table. ​

My goal is to help you and make health care work better for you! That way, you live a healthier life. ​

Happy, Well Advised Clients. That's it!

Please visit my website JamesBledsoeJr.com and contact me today!

Let's talk for a few minutes! Or, just send me an email.

12/29/2023

Medicare Changes for 2024 - Medicare Part A in 2024 - Beginning next year, the inpatient hospital deductible will increase to $1,632, resulting in an additional $32 out-of-pocket expense before coverage takes effect. Beyond that, daily coinsurance for hospital stays lasting between 61 and 90 days will be $408, and $816 for lifetime reserve days. For those utilizing skilled nursing facilities, the daily coinsurance for days 21 through 100 will be $204. It's crucial for individuals on Medicare to plan ahead and stay informed about these adjustments.

Medicare Part B Premiums: The standard monthly Part B premium is set to increase by almost $10, rising from $164.90 to $174.70. Most Medicare beneficiaries have this premium deducted from their Social Security benefits. In 2024, the average monthly Social Security payment will increase by $59, thanks to a 3.2 percent Social Security cost-of-living increase (COLA). This COLA will more than cover the added Part B monthly premium for most beneficiaries. Additionally, there are adjustments in premiums for high-income beneficiaries. For instance, individuals earning between $103,000 and $129,000 will pay a monthly premium of $274.70, while those earning above $500,000 will pay $515.10. These premiums vary based on income brackets.

10/18/2023

The Medicare Annual Election Period is here! Contact me to find out more! Make sure you have the right Medicare Plan for your situation. JamesBledsoeJr.com

10/14/2023

Each year, the Centers for Medicare & Medicaid Services (CMS) set the following year’s Part B premium. In 2024, the Part B base premium is $174.70. Most people will pay this amount. A small number of people may pay a premium that is lower than the base premium in 2024. These people are protected by the hold harmless rule.

The hold harmless rule protects you from having your previous year’s Social Security benefit level reduced by an increase in the Part B premium so long as:

You were entitled to Social Security benefits for November and December in 2023;
The Medicare Part B premium will be or was deducted from your Social Security benefits in November 2023 through January 2024;
You do not already pay higher Part B premiums because of Income-Related Monthly Adjustment Amount (IRMAA) eligibility;
And, you do not receive a Cost of Living Adjustment (COLA) large enough to cover the increased premium. COLA is additional income given to Social Security recipients to protect against inflation decreasing the benefit’s purchasing power. The COLA in 2024 is 3.2% of your Social Security benefit.

The COLA in 2024 is likely to cover the full Part B premium for most people. If your COLA is large enough to cover the full amount of your increased premium, you will not be held harmless and your premium will be $174.70.

The hold harmless provision does NOT protect you if:

You are new to Medicare in 2024. Hold harmless does not apply to you because you have not been enrolled in Medicare Part B long enough to qualify.
You are subject to IRMAA.
You are enrolled in a Medicare Savings Program (MSP). However, the MSP should continue paying for your full Part B premium.
You were enrolled in a Medicare Savings Program in 2023 but lost the program because your income increased or you failed to recertify.

Note: If you qualify for the hold harmless provision but pay a Part B late enrollment penalty, the penalty will not be waived, and it may increase. This is because the penalty will be calculated based on the new, higher premium—even if you are not paying that higher amount.

Each year, the Centers for Medicare & Medicaid Services (CMS) set the following year’s Part B premium. In 2022, the Part B base premium […]

10/13/2023

CMS recently announced 2024 monthly premium, deductible and co-pay amounts for Medicare Part A and Part B. The 2024 standard Medicare Part B monthly premium will be $174.70. This is a increase of $9.80 when compared to the 2023 monthly premium of $164.90. This amounts to a 5.9% increase, after a 3.0% decrease last year. The annual Part B deductible for 2024 is $240, up from $226. The Part A deductibles and coinsurances will increase 2.0% for 2024, after an increase of 2.8% in 2023.

CMS recently announced 2024 monthly premium, deductible and co-pay amounts for Medicare Part A and Part B

10/06/2023

What is the difference between Medicare Supplement Insurance and Medicare Advantage? Medicare Supplement insurance is also known as Medigap. It’s private insurance you can buy to help pay for some costs not paid by Original Medicare (Parts A and B), and can provide full portability across the United States. Medicare Advantage (Part C) is an alternative to Original Medicare. It’s a different way to get your Medicare benefits, and by law, must cover all the benefits that Original Medicare covers. It also can include value added services above and beyond Medicare benefits. Contact me to learn more! Always here to help. JamesBledsoeJr.com

09/25/2023

Folks, as of today you can order 4 FREE Covid-19 Rapid Test Kits delivered directly to your home. Here is the link to order:

Every U.S. household is eligible to order 4 free at-home COVID-19 tests.

09/22/2023

https://www.hcaoa.org/newsletters/report-900000-more-home-care-workers-needed-by-2031

A recent report from PHI, a New York-based direct care workers advocacy organization, highlights significant challenges faced by the growing direct care workforce in the United States. While the...

09/21/2023

https://www.kff.org/medicare/issue-brief/changes-to-medicare-part-d-in-2024-and-2025-under-the-inflation-reduction-act-and-how-enrollees-will-benefit/

The Inflation Reduction Act of 2022 includes several provisions to lower prescription drug costs for people with Medicare and reduce drug spending by the federal government, including a number of changes to the Medicare Part D drug benefit. This brief provides an overview of the Part D benefit desig...

09/21/2023

https://www.medicarerights.org/medicare-watch/2023/09/21/new-reports-examine-the-impact-of-medicare-advantage-advertising?utm_source=Medicare%20Rights%20Center&utm_campaign=4a6e45f9ce-medicare-watch-09212023&utm_medium=email&utm_term=0_1c591fe07f-4a6e45f9ce-84731581&mc_cid=4a6e45f9ce

Two new KFF research reports capture the prolific—and often problematic—nature of Medicare Advantage (MA) television advertisements during Medicare’s fall open enrollment period, as well as the impact of such marketing practices on beneficiaries. Yesterday, Medicare Rights joined KFF to discus...

09/20/2023

Folks, I know nobody likes to be hounded for money. But I do believe this is a very good cause and something many of us have had to deal with in our families. I have seen it over the years with many of my Medicare clients and families. We will see even more Alzheimer's with the large number of our aging population. Please consider supporting our 2023 Walk to End Alzheimer's - Greater Orlando, FL. Giving even the smallest amount adds up to large amounts. If everyone could just give $1 or even $5 that would be great! I just gave the first $5 bucks. It adds up and makes a difference. Thank you! Donate at this link:

I am participating in Walk to End Alzheimer's. Donate today and help me reach my goal.

09/13/2023

Medicare and You 2024 - Hot off the Press!

08/31/2023

https://www.medicarerights.org/medicare-watch/2023/08/31/cms-announces-first-10-drugs-subject-to-price-negotiation?utm_source=Medicare%20Rights%20Center&utm_campaign=a8b71ca10b-medicare-watch-08312023&utm_medium=email&utm_term=0_1c591fe07f-a8b71ca10b-84731581&mc_cid=a8b71ca10b

On Tuesday, the Centers for Medicare & Medicaid Services (CMS) announced the first 10 Medicare Part D drugs that will be subject to negotiation under the Inflation Reduction Act (IRA). The medications were chosen based on criteria outlined in the IRA. The law requires CMS to prioritize drugs with th...

08/20/2023

Federally Required Disclaimer- In some states plans may be available to persons under age 65 who are eligible for Medicare by reason of disability or End-Stage Renal Disease. Not connected with or endorsed by the U.S. Government or the Federal Medicare Program. This is a solicitation of insurance. A licensed insurance agent/producer may contact you. CALL TO RECEIVE COMPLETE INFORMATION (INCLUDING OUTLINES OF COVERAGE) SHOWING BENEFITS, COSTS, ELIGIBILITY REQUIREMENTS, EXCLUSIONS, AND LIMITATIONS. We do not offer every plan available in your area. Currently we represent one organization which offers twenty-one products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.