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SpokaneInnovaging2014

n Financial Affairs TAKING CHARGE Veterans Outreach Center ..............509-444-8387 Additional Medicare/Medicaid 13109 E. Mirabeau Parkway, Spokane WA 99216 Supplemental Plans Provides veterans with individual, group and family There are several basic ways to supplement counseling for problems related to Post Traumatic Medicare/Medicaid coverage. For additional in- Stress Disorder, marriage and family difficulties & formation on Medicaid supplemental programs sexual trauma/harassment. call Community Action Connections (CAC) for SHIBA at 800-562-6900 or Medicare Customer nSupplemental Coverage Service at 800-633-4227 for further information about Medicare plans. Medicare does not pay for all your health care costs. Therefore, you may choose to purchase sup- 1. Managed Care Plans plementary health care coverage (via employer or Managed care plans are prepaid, coordinated care union health coverage plans, Medicare Supplemen- plans, provided mainly by Health Maintenance tal Insurance, or State Assistance), or help in pay- Organizations (HMOs). These plans focus on the ing your health care costs through other resources relationship between the beneficiary and the pri- (Medicare assistance programs). mary care physician. Under this arrangement, the physician authorizes, arranges for, and coordinates Medicare Advantage Plans all services for the beneficiary. Managed care plans may also offer benefits not covered by Medicare. The Medicare Advantage Program is an updated version of the Medicare + Choice Plan Program. 2. Medicare Supplement Plans – Medigap The Modernization Act of 2003 provides more op- Medicare Supplement Plans are one way to fill tions for Medicare beneficiaries to enroll in private specific gaps in Medicare’s coverage. In 1992 fed- plans. For a monthly fee (in addition to your Medi- eral regulations set up uniform policies for Medi- care premium) you can choose features that more care. Each of the standard policies offer different specifically meet your needs. Features that are pro- groupings of benefits to address a wide range of vided through Medicare Advantage Plans include: individual needs. The best time to apply for these plans are within the six-month window of your Managed Care Plans – A network of doctors is Medicare eligibility. Contact Medicare Customer available through the plan. A primary doctor coor- Service at 800-633-4227 to get a complete listing dinates your care and referrals are required to see of Medicare supplements, or contact insurance doctors out of the network. carriers listed in this guide for more information Preferred Provider Organization Plans – Typi- about Medigap. cally the doctors and specialists are predetermined 3. Washington State Health through this plan. If you choose a doctor or spe- Insurance Pool (WSHIP)............. 800-877-5187 cialist not covered through the plan you may have PO Box 1090, Great Bend KS 67530 to pay additional costs. No referrals are necessary. www.wship.org Private Fee For Service Plans – You may visit Options offered by WSHIP are designed for any doctor of your choice that will accept the persons who meet the following general plan’s payment. eligibility requirements: Specialty Plans – These are designed to meet spe- NON-MEDICARE ELIGIBILITY REQUIREMENTS cial needs for people with certain health issues. • Must be a resident of Washington state. Anyone who receives Medicare Part A and Part • Must have been rejected for coverage by B may join a Medicare Advantage Plan. Please an insurance carrier based upon the results of check with the plan provider to find out what plan the Standard Health Questionnaire, or live in is best for your needs. a Washington state county where individual health benefit plans are not offered. The Medicare Personal Plan Finder is a service pro- vided through the Medicare website to assist you • Not eligible for Medicare coverage. in comparing services available in your area. To MEDICARE ELIGIBILITY REQUIREMENTS access this information, visit www.medicare.gov. • You must be a resident of Washington state; 14


SpokaneInnovaging2014
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