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From YouTube: The ABCs of Medicare (Captioned)
Description
Sherry Kolbe, Manager, State Health Assistance Insurance Program (SHIP), discusses Medicare.
A
Welcome
to
the
time
of
your
life
with
the
Baltimore
County
Department
of
Aging
I'm,
your
host
of
a
rasmussen.
Today's
show
keeps
you
in
the
know,
by
conveying
important
and
interesting
information
about
the
contemporary
topics
that
impact
you.
Our
viewing
audience
on.
The
show
today
is
Danielle
Singh
Lee,
the
home
team
program
manager
at
the
Department
of
Aging
Danielle
will
talk
about
the
home
team
program
and
how
this
program
supports
the
theme
of
older
Americans
month,
which
is
get
into
the
act.
A
Today's
show
concludes
with
Debbie
Orlov
community
business
liaison
at
the
Department
of
Aging
Debbie
will
share
important
information
about
Senior
Center
travel,
Senior
box
office
as
well
as
what's
happening
at
your
local
Senior
Center,
navigating
Medicare
for
prospective
beneficiaries
can
be
challenging
on
the
show
to
answer.
Questions
pertaining
to
the
a
B
and
C's
of
Medicare
is
sherry
Colby
program
manager
of
the
state
health
insurance
assistance
program,
known
as
chip
at
the
Department
of
Aging.
Welcome
to
the
show
sherry
thank.
A
B
The
state
health
insurance
assistance
program,
and
actually
there
is
one
of
them
in
every
county
in
the
nation,
and
so
what
my
team
does,
which
is
predominantly
volunteers.
We
educate
Baltimore
County
residents
about
their
Medicare
benefit,
as
well
as
their
families
and
then,
if
an
issue
run
comes
up,
then
we
assist
them
to
hopefully
resolve
the
problem.
We're.
B
Medicare,
actually
is
a
federal
insurance,
though
I
don't
think
we
would
think
of
it.
That
way,
it
was
created
in
1965
by
Congress
and
is
overseen
on
the
federal
level
by
the
Center
for
Medicare
and
Medicaid
Services
a
few
years
after
it
was
initiated.
Then
it
also
was
made
eligible
that
people
who
are
on
Social
Security
disability
could
get
it.
Other
individuals
who
are
eligible
are
those
who
are
getting
renal
dialysis,
the
4th
month
of
dialysis
and
someone
with
Lou
Gehrig's
disease.
Als
can
get
Medicare
the
very
first
month
of
their
disability.
B
B
They
should
enroll.
It
depends
on
your
circumstances.
First
of
all,
if
you've
elected
to
get
a
retirement
benefit
from
Social
Security
prior
to
the
age
of
65,
three
months
before
your
65th
birthday,
you're,
going
to
magically
get
a
Medicare
card
in
the
mail.
If
you
are
receiving
Social
Security
disability
benefits
the
twenty-fifth
month
is
when
you're
eligible.
So
three
months
before
that
is
when
the
Medicare
card
will
arrive
other
than
that
at
65.
You
do
have
to
take
action.
You
enroll
for
Medicare
with
Social
Security,
so
it's
either
online
by
phone
or
in
person.
B
The
initial
enrollment
period
for
Medicare
is
three
months
before
the
month
of
the
65th
birthday
and
three
months
after
during
this
time,
you
can
apply
for
Medicare
a
B
C,
the
Advantage
plans
or
D
the
drug
plans.
If
you
are
actively
working
or
your
spouse
is-
and
you
do
have
group
health
insurance
at
age
65,
you
can
delay
getting
the
Part
B
until
you
are
no
longer
working
and
covered
by
that
group
health
insurance.
B
At
that
point,
you
will
have
a
special
enrollment
period,
which
actually
lasts
eight
months
in
order
to
get
your
B
without
a
penalty.
In
addition,
if
you
did
not
use
either
of
those
enrollment
periods,
there's
what's
called
a
general
enrollment
period
from
January
1st
through
March
31st,
with
an
effective
date
of
July
1st
individuals
who
offer
this
latter
option
may
find
that
they
may
have
a
Part
B
penalty.
B
B
Medicare
Part
A,
typically,
is
what
you
would
think
of
for
hospitalization.
It
pays
if
you're
an
inpatient
in
a
hospital.
It's
been
three
Midnight's
as
an
inpatient.
You
can
and
your
transfer
to
a
skilled
nursing
facility
for
rehab,
then
Medicare
will
pay
for
that.
It
pays
for
skilled
care
in
the
home
as
well
as
hospice
Medicare
Part
B
is
medical.
It
pays
for
your
doctor's,
whether
they're
your
an
inpatient,
outpatient
or
seeing
them
in
the
office.
B
It
pays
for
durable
medical
equipment,
blood
x-rays,
ambulance,
preventive
services
and
your
flu
shot
and
I
do
want
people
to
you
all
to
remember
that
Original
Medicare,
which
is
Medicare
a
and
B,
was
never
designed
to
pay
a
hundred
percent
of
the
hospital
or
the
medical
costs.
Therefore,
frequently
every
time
you
use
it,
it's
not
unusual
to
have
to
pay
out-of-pocket
Part
C
of
Medicare.
Is
your
Medicare
Advantage
plans
here
it's
HMOs
and
a
cost
plan.
B
These
plans
are
subsidized
by
Medicare,
therefore,
and
they're
subsidized
in
order
to
provide
with
you
with
the
Original
Medicare
benefit.
However,
each
one
of
these
plans
has
their
own
rules
regs
and
costs
as
far
as
how
they
do
administer
this
Original
Medicare
benefit,
and
just
like
with
the
Original
Medicare,
you
would
be
paying
out
of
pocket
just
about
every
time.
You
use
an
Advantage
plan.
There
is
some
sort
of
copay
associated
with
it.
A
Welcome
back
to
the
time
of
your
life,
I'm
your
host
fo
Rasmussen.
Let's
conclude
our
conversation
about
the
ABCs
of
Medicare,
with
Sherri
Colby
program
manager
for
the
state
health
insurance
assistance
program
known
as
ship
at
the
Department
of
Aging
Sherri.
Let's
turn
our
attention
to
Medicare
Part
D,
which
is
Medicare's
prescription
drug
benefit.
Can
you
explain
the
benefit,
as
well
as
the
important
facts
that
you
need
to
remember
each
year
and
how
to
select
a
drug
plan?
Ok,.
B
The
prescription
drug
benefit,
it's
basic
structure,
is
that
there
is
a
deductible
in
the
beginning
of
the
year,
although
not
all
plans
do
have
that
and
then,
for
essentially
till
about
3000
dollars
has
been
spent
in
total
drug
cost.
The
beneficiary
pays
no
more
than
25%
and
the
plan
would
pay
75%
of
the
cost
of
the
drugs
around
3,000.
B
That's
the
point
where
one
hits
the
doughnut
hole
or
the
gap
where
the
cost,
particularly
the
brand
drugs,
but
also
the
generics,
does
rise
through
the
Affordable
Care
Act.
This
doughnut
hole
is
gradually
being
closed
and
within
several
years
you
will
not
pay
more
than
25
percent
for
generics
or
brand
across
the
board.
A
B
Now
I
told
do
that
if
you
have
original
Medicare
only
that
there
are
holes
in
it
and
their
deductibles
and
so
forth
to
pay
now,
some
people
are
fortunate
enough
to
have
a
retiree
health
benefit,
which
would
act
as
a
secondary.
But
if
you
don't
have
a
retiree
health
benefit
and
you
don't
want
to
have
unexpected
cost,
then
you
may
want
to
get
a
Medigap.
A
Medigap
basically
works
perfectly
with
Medicare,
whatever
Medicare
doesn't
pay,
the
Medigap
may
pay
some
or
all
the
costs.
B
Medigap
SAR,
an
alphabet
soup
of
Ada
and
F
is
the
most
comprehensive
and
therefore
it
is
the
most
expensive
a
is
the
least
comprehensive.
So
it's
the
least
expensive.
These
companies
are
overseen
by
the
Maryland
insurance
administration.
The
best
time
to
buy
a
Medigap
is
in
what's
called
a
guaranteed
issue
period,
which
is
the
first
six
months
that
you're
on
Medicare
Part
B.
B
A
B
Those
there's
a
program
called
Quimby
and
one
called
slim
B,
which
is
administered
through
the
Department
of
Social
Services.
Both
of
those
programs
will
at
least
pay
the
Medicare
Part
B
premium
each
month.
Quimby
goes
much
further
and
pays
for
co-pays
and
deductibles
coinsurance
is
associated
with
Original
Medicare,
so
it's
essentially
a
supplement
for
which
you
do
not
need
to
pay
beyond
that.
There's
extra
help,
which
is
a
minister
through
Social,
Security
and
extra
help,
helps
pay
for
part
or
all
of
the
premiums.
Deductibles
and
coinsurance
is
associated
with
the
Part
D
plan.
B
B
To
say
that
what
we
spoke
today
is
just
the
tip
of
the
iceberg,
there's
much
more
that
you
need
to
know
to
make
your
decisions.
Once
a
month
we
do
have
transitioning
to
Medicare
workshops,
which
last
one
and
a
half
to
two
hours
where
we
go
over
this
material
and
I
would
highly
recommend
it
to
anybody
who's
new
to
Medicare.
But
in
addition,
our
office
is
there
five
days
a
week.
I
have
volunteers,
answering
questions.
B
B
A
Www.Viki
of
your
life,
we're
going
to
take
a
short
break
and
we'll
please
consider
attending
the
world.
Elder
Abuse
Awareness
Day
forum
on
June
15th
from
8:30
a.m.
to
1:00
p.m.
at
the
Perry
Hall
Library
for
more
information
call
410,
eight,
eight,
seven,
four:
two:
zero
zero.
When
we
return
we'll
learn
about
the
department
of
aging
home
team
program,.