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Does Medicare Cover Cell Phones

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Lifeline Eligibility Via Participation In Federal Or State Assistance Programs

Selling Medicare Over the Phone – Medicare Cafe

Most people will qualify for a Lifeline cell phone and service through their participation in a federal or state assistance program. The theory goes, if you are on these designated programs then you have already proven yourself to be in financial need so no need to prove it all over again. Here are the universal federal assistance programs youll find in every state:

  • Supplemental Nutrition Assistance Program
  • Medicaid
  • Federal Public Housing Assistance
  • Veterans Pension and Survivors Benefit.
  • Bureau of Indian Affairs General Assistance
  • Tribally Administered Temporary Assistance for Needy Families
  • Tribal Head Start
  • Food Distribution Program on Indian Reservations

Important: Each state has the option to allow eligibility based on some of their own state assistance programs. For example, in Massachusetts the MassHealth program qualifies you and in California participating in the Women, Infants and Children Program gets you a phone. So, even if you do not qualify according to the list above, check if your state has other programs under which you might be eligible. To check your own state, .

OR, you can qualify by your income level, explained below

Do Medicare Advantage Plans Cover Stem Cell Therapy

Advantage plans must provide the same coverage as Part A and B. However, they decide how much youll pay out of pocket in the form of cost-sharing. Advantage plans also require you to use their in-network doctors.

If you go out of network, youll have to pay 100% of the cost. Youll pay more out of pocket as you go with an Advantage plan vs a Medigap plan.

What Does Chiropractic Care Cost With Medicare

Average cost of shoulder dislocation treatmentMedicare coverage
$203$317.40

Out-of-pocket chiropractic visits can range anywhere between $60 to $200 for each session. For example, a full-body adjustment or alignment therapy session can average around $65, though these costs can vary.

Original Medicare, however, can cover only one medically necessary service: spinal manipulation to correct a subluxation. This treatment is covered by Medicare Part B and is usually done by a professional chiropractor. In this case, Medicare pays 80 percent of the Medicare-approved treatment after the patient pays their deductible.

This means that youll be responsible for 20 percent of the remaining costs of the treatment, including additional out-of-pocket costs that are not covered by Medicare: x-rays, acupuncture, massage therapy, and other tests that are ordered by a chiropractor.

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If I Am Approved Can I Keep My Current Phone Number

Yes, if you are approved, you can keep your current phone number.

Once you receive your Assurance Wireless phone, you can contact Customer Care at 1-888-321-5880 and a representative will help you keep your current number. Just call from a different phone and have your account number and password from your previous carrier handy.

Features To Look For In Senior

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Eligible seniors have two options cell phones from the providers. They can have basic cell phones or even the best 10 smartphones government provides. Most seniors may prefer basic cell phones since theyre using them more for texting and calling. Besides, most providers dont offer specific cell phones for seniors. But, they have plenty of senior-friendly cell phones with useful features. Heres what to look for on senior-friendly cell phones:

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What Is The Lifeline Assistance Program

Its a government benefit program that was initially founded to provide free landline service to qualifying, low income households. However, with the rise of modern technology, the government has started to keep up with the times and modernize the program.

Instead of landlines, the Lifeline Assistance program now provides free cell phones and free cell phone services. As long as you qualify, you will get a free assistance service.

And yes, the program is available in all 50 states. It also exists in Native American tribal communities. The best part about this program is that even those who are above 65 years old can get free access.

A free cell phone service is important to seniors. This is because they have medical needs and are more prone to medical emergencies. Seniors need to be able to contact emergency services, and/or their family instantly.

This helps provide security for seniors. Moreover, they can boost their mental health by staying connected to friends and family online. Having access to a free cell phone is crucial.

Customer Service That Is Senior

Even better than Livelys easy-to-use phone is the great senior-friendly customer service. U.S.-based operators and customer service representatives are available to help explain how to use your phones features, dial phone numbers or answer any of your questions.

Lively phones also offer additional other senior-focused services like Urgent Response, Urgent Care, Lively Link, and more. These services are add-ons to your base service, which you can learn more about by calling .

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Us Mobile Unlimited Talk And Text Plan

The only way to bring your bill lower than $10 a month is to throw out your data plan altogether. If you know you don’t want to pay for any wireless data, the US Mobile Unlimited Talk and Text plan at $7 a month is your best bet. Bonus, US Mobile operates on both T-Mobile and Verizon networks, which offer excellent coverage.

Check out our cell phone deals page that is updated weekly.

Does Medicare Call You At Home

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Home / FAQs / General Medicare / Does Medicare Call You at Home

When enrolling in Medicare, you should be aware that neither Social Security nor Medicare calls you to get information. Should any issue arise in which Medicare or Social Security needs any information from you, theyll ALWAYS send you a letter to notify you. If youre getting too many spam phone calls, you might want to get on the Federal Trade Commissions Do Not Call list. Medicare beneficiaries are likely to receive phone calls once they become eligible for Medicare

You can get back to enjoying your day in peace after following any of the ways to put an end to spam calls or most of them anyway. You must be looking for a way to get on the Medicare Do Not Call list. Beneficiaries often see an influx in spam calls when becoming eligible for benefits.

There is light at the end of the tunnel you can register your number with the Federal Trade Commission. Below we can teach you how to join the Do Not Call list. Further, we discuss how to know when Medicare is calling you, and when its a scam.

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I Already Have Homeowners Or Renters Insurance Can I Use That Instead

In some cases, yes. However, you should contact your insurance provider before counting on this option. Some will require an addition or rider on your policy to cover the phone.

Even if they agree to cover your phone, it might not be worth it. While phones are expensive and, for many, an essential tool, the cost of a new phone is likely less than the increased premium youll pay for months or years after a claim.

However, one situation where this might work is a major loss, such as a fire, flood or if someone steals your phone, laptop and camera. Even if each item was insured separately with protection plans, individual deductibles could pile up fast. Paying more for your insurance for a while but only having one deductible might end up cheaper in the big picture.

Your Costs For Opdivo

Depending on the type and amount of Medicare coverage you have, you can expect to spend anywhere from zero dollars to as much as $2,670 per Opdivo infusion, according to Bristol-Myers Squibb Co., the manufacturer of Opdivo.

Bristol-Myers claims that more than 60 percent of patients paid $25 or less for each infusion in 2019.

Medigap and Medicare Advantage plans can greatly reduce your out-of-pocket costs. Check with your plan administrator about what your responsibility will be for your plan.

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How To Report A Medicare Call

You can report a fraudulent call from someone claiming they worked for Medicare by going to the FTC Complaint Assistant.

You can help protect yourself from fraudulent activities by never offering credit card or personal information to anyone. The more hands-on your personal information, the more likely you are to receive scam calls.

Many times, when you sign up for new websites, apps, or services, youre sharing personal information. Read the fine print when enrolling in services, some sites sell your phone number and email. Under no circumstances should you be giving out your personal or credit card information over the phone, especially when youre unsure of the person on the other end of the line.

Although it is daunting, looking at the privacy policies before you share your personal information can save you in the long run. Some websites sell your email address and phone number to third parties, so be careful!

Who Qualifies For A Free Cell Phone

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There are a few rules and restrictions to the Lifeline phone service, and while not everyone qualifies for this free phone from the government, if youve got financial problems you most likely are eligible.

Do you qualify for your own free mobile phone and up to 250-1,000 an even unlimited voice minutes and unlimited texting each and every month? Its very quick and simple to find out. And like we said, if you do quality, theres absolutely no cost to you for the phone or the service.

Although its the cell phone companies that verify your information, send out the phone, and manage your account, this is a federal government-sponsored and regulated program, so the eligibility requirements are very similar no matter where you live and who you choose to get your phone from.

Be aware that there may be small differences depending on the state in which you live, but those differences are pretty minor. Generally, you will qualify if you participate in any of the following federal benefit programs:

  • Supplemental Nutrition Assistance Program
  • Medicaid
  • Federal Public Housing Assistance
  • Veterans Pension and Survivor’s Benefit.
  • Bureau of Indian Affairs General Assistance
  • Tribally Administered Temporary Assistance for Needy Families
  • Tribal Head Start
  • Food Distribution Program on Indian Reservations

With that in mind, there are two ways to qualify for a free cell phone from the government:

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So I Just Make A Claim And They Send Me A Brand New Phone

Again, this will vary by provider. But in most cases, the answer is no.

With many insurance providers, once you make a claim, youll need to mail your device to a service center or drop it off at a retail location.

Then one of three things happens:

  • If they can fix the phone, theyll fix it and send it back. Service usually takes between 3 to 10 business days.
  • If they cannot fix the phone, youre issued a replacement. In most cases, this is a refurbished device. Service is typically a little quicker and some providers will even ship out a replacement before receiving your device.
  • If they cannot fix the phone and its no longer in stock, you might receive a completely different model they deem to be of equal value. You can read about the perils of this over at PC Gamer.

Long story short, unless they can fix your phone, this outcome probably isnt as good as youd hoped.

With some third-party protection plans, you might receive a payout instead of replacement.

In this case, youll send the device to the service provider and theyll mail you a check for the value of the phone. You can then purchase a replacement at your own discretion.

If you purchased your insurance or protection plan through a retailer, you might be able to bring your broken device to a retail location for immediate exchange.

How Do I Get Free Cell Phones For Seniors On Medicare

In this section, we will provide you with all the information you need in order to get a free cell phone for seniors on Medicare. However, before we go into details about the qualification and application process, we need to cover the basics and clear a common confusion.

There Are No General Programs That Offer Seniors Free Phones

We are not sure where, when, and how exactly the free government cell phones for seniors search term started and got so popular. Perhaps certain local programs in the past contributed to that.

First, you must ask yourself why a government would give someone a FREE phone. Well, the most logical reason for someone to get a free phone is if they cannot easily afford it. Makes sense, right? Why would a senior or any other person financially more than capable of purchasing their own phone be eligible for a free government phone, right?

That said, we can all probably agree that income is the only aspect that should contribute to whether someone is or is not entitled to a free phone. As such, seniors are not entitled to attaining free government phones unless they meet the same requirements as people of all other ages.

And since Medicare is based solely on age . It doesnt qualify seniors for free phones.

In order for seniors on Medicare to obtain a free government phone, they must also have a low income or participate in certain federal assistance programs .

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Aarp Cell Phone Plan Discounts

AARP offers discounts for seniors to save money on cellular service. Anyone over the age of 50 can become an AARP member and enjoy AARP cell phone plan discounts or AARP cell phones for seniors. Below are two providers offering discounts through AARP:

Consumer Cellular

Consumer Cellular offers tailored cell phone plans for seniors that start as low as $15 a month. AARP members get:

  • A 5% discount on monthly cell phone plans.
  • Up to 30% off cell phone accessories.
  • An extension on the money-back guarantee period from 30 days to 45 days.

AT& T

AARP members who are AT& T Wireless customers can save up to 10% on their talk and data plan monthly charges, as well as save 15% on eligible phone accessories. AARP members get:

  • 10% off voice and data plan monthly charges.
  • Up to $45 waived for activation or upgrade fees.
  • Up to 15% off eligible phone accessories.

How Much Does Phone Insurance Cost

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Insurance prices vary depending on the company you choose and the type of device you need to insure. For example, some companies charge more for a plan or increase deductibles for flagship phones or other high-end devices.

At the time of writing, insurance plan pricing for the major carriers are as follows:

Most third-party subscription plans are comparably priced between $10 and $20 per month.

Protection plans, on the other hand, depend on the price of your device.

As an example, WarrantyLife offers two years of coverage for a $1049 phone — say a mid-tier iPhone 11 — for $69.99. That breaks down to only $2.91 per month. Unfortunately, these plans dont cover theft or loss of your phone or accidental damages.

But remember, monthly costs are only one part of the picture. If you need to make a claim, the insurance company will ask for a deductible as well.

As with monthly fees, deductibles often vary depending on the value of the phone.

Deductibles for major carriers at the time of writing are as follows:

  • Rogers: $30 to $400 per claim depending on the value of the phone
  • Telus: $25 to $400 per claim depending on the repair needed
  • Bell Mobility: $50 to $600 per claim depending on the value of the phone

In most cases, unless youre using a very basic phone, you can expect deductibles to be near the higher end of these scales.

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Lifeline Eligibility Via Total Household Income

Qualifying through participation in an assistance program is the easiest way to enroll, as you will not have to prove your income level. But if you are able to qualify that way, you can enroll based upon your Total Household Income. Household income includes all incomes received by everyone in your household, whether taxable or non-taxable, including, but not limited to: wages, salaries, interest, dividends, spousal support and child support, grants, gifts, inheritances, allowances, stipends, public-assistance payments, social security and pensions, rental income, lottery winnings, income from self-employment and cash payments from other sources, and all employment-related, non-cash income. The only exceptions are student financial aid, military housing and cost-of-living allowances, irregular income from occasional small jobs such as baby-sitting or lawn mowing, and the like.

All states other than Alaska, California and Hawaii require income levels that are at or below 135% of the Federal Poverty Guidelines. But we see conflicting documentation for the levels in Florida, Michigan, Texas and New Jerseysome carriers say its 150% and some say 135%, for the same state. We cannot definitively say which it is, so check with each provider. And depending on whether youre 65 or older, Vermont may allow your household income to be as much as 234%.

People in Household

Does Medicare Advantage Cover Medical Alert Systems

Medicare Part C, also known as Medicare Advantage, is private insurance that provides the same essential benefits as Original Medicare, along with some extras.2 Because private insurance companies offer Medicare Advantage plans, what is included varies by plan and provider. Contact your Medicare Advantage company to find out if they cover medical alert systems.

Did You Know: Medicare’s annual enrollment period runs from Oct. 15 to Dec. 7 every year. Read our guide to Medicare enrollment to learn everything you need to know about enrollment and coverage.

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