I'm writing lenses on Squidoo and would love you to join me

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New Medicare Cards Will No Longer Use Social Security Numbers

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Medicare is preparing to stop using Social Security numbers for identification next year and will send new cards to patients with Medicare ID numbers. Using Social Security numbers has been a recognized vulnerability for years, exposing seniors to identity fraud. In a digital society, having a Social Security number stolen can have immediate financial and legal consequences taking months and even years to untangle. The move is required by a law enacted two years ago to discourage identity theft. The Centers for Medicare & Medicaid Services (CMS) will to begin mailing the new cards with Medicare beneficiary identifiers (MBIs) in April, 2018. That's when the agency will begin mailing out new cards to more than 57 million elderly and disabled beneficiaries. They'll be instructed to destroy their old cards after they get the new one. New cards may be used right away.  No final prototype of the new card has been unveiled, but the MBI will have 11 characters, a combination...
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California Senate Bill 562 is Seeking to Abolish Private Health Insurance, Covered California and Medicare - Urge Your Elected Representative To Oppose

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California has just completed another successful open enrollment season and the percentages of those who are uninsured have dropped to 7.1% - a record low in our state. As a health insurance professional in California, I understand the importance of quality health care coverage and affordability of that coverage.  That is why I'm compelled to write this blog entry. The California Senate is presently seeking to abolish private health insurance in California, along MediCal, Medicare, Covered California, and the valuable advocacy services of health insurance professionals.  Under Senate Bill (SB) 562 ALL Californians will lose their current benefit plans, to be replaced by benefits yet to be determined, to be serviced by an entity yet to be identified, to include new tax provisions yet to be detailed.  This would be disastrous for all Californias.  A bill of this magnitude has too many unanswered questions and Californians cannot afford "to pass it to find out wha...
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How to Obtain Medications Not Covered By Your Medicare Drug Plan

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When choosing a Medicare Part D Drug Plan (usually during the annual Open Enrollment Period and between October 15th – December 7th) most do so based on their current medications.  Frequently, however, over the course of the plan year medications are added or dropped.  Consequently, a plan that once covered each of your medications may not later.  Are you then stuck until the next Open Enrollment Period?  Not necessary.  Initially, the simplest approach may be to ask your doctor to prescribe another medication. Talk to Your Provider Often, there are many medications that achieve the same objective of your physician.  If a drug isn’t covered ask your doctor for an alternative medication.  If there isn’t an alternative drug available, then consider seeking a “drug formulary exception.” Formulary Exceptions and Plan Determination Requests An enrollee through his doctor can request a drug plan formulary exception to cover a medication. These exce...
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