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We know youve got questions about the new Health Insurance Marketplace®. Weve received thousands of them over the past month.
Answering your questions is central to our mission:
- We launched the new HealthCare.gov to feature an easy-to-understand question and answer format, with content based on the most common questions we hear from you.
- We provided you with new way get your health insurance options and infojust answer a few quick questions and well provide you with a personalized list of coverage options, content tailored to your situation, and a checklist to help you get ready.
How To Stop Health Insurance Sales Calls After Using Ehealthcom
If you went online looking for health insurance, and you entered you phone number on a website, such as eHealth.com, dont be surprised if you are then bombarded by spam calls from telemarketers selling health insurance. As far as we can see, from our own personal experiences, eHealth makes your phone number to just about anyone. A few of the callers are legitimate insurance companies.
So, heres what you need to know:
How To Contact Your State Medicaid Department About Medicaid Or Chip
TIP: This page helps you understand how you can contact your State Medicaid Agency for questions about Medicaid or CHIP. It is meant as a secondary resource for people using our site. The official resource for this information is Medicaid.gov.
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Already Enrolled In Medicare
If you have Medicare, you can get information and services online. Find out how to .
If you are enrolled in Medicare Part A and you want to enroll in Part B, please complete form CMS-40B, Application for Enrollment in Medicare Part B . If you are applying for Medicare Part B due to a loss of employment or group health coverage, you will also need to complete form CMS-L564, Request for Employment Information.
You can use one of the following options to submit your enrollment request under the Special Enrollment Period:
- State I want Part B coverage to begin in the remarks section of the CMS-40B form or online application.
- If possible, your employer should complete Section B.
- If your employer is unable to complete Section B, please complete that portion as best as you can on behalf of your employer without your employers signature and submit one of the following forms of secondary evidence:
- Income tax form that shows health insurance premiums paid.
- W-2s reflecting pre-tax medical contributions.
- Pay stubs that reflect health insurance premium deductions.
- Health insurance cards with a policy effective date.
- Explanations of benefits paid by the GHP or LGHP.
- Statements or receipts that reflect payment of health insurance premiums.
Some people with limited resources and income may also be able to get .
Other Ways To Contact Medicare
There are several ways to contact Medicare and receive information in a way you can understand and in an accessible form.
When you make a request, be sure to include your name, phone number, type of information you need and the mailing address where you want Medicare to send you the information.
All the Ways to Contact Medicare
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Add More Robocall Protection
Some of these apps charge a fee, and others offer a free subscription. But some free apps are free only for an introductory period and will automatically begin charging you a fee unless you cancel your subscription before the free trial ends.
These beefed-up services use algorithms, lists of blacklisted numbers, and proprietary technology to filter out suspicious calls and can supplement the call-blocking and labeling functionality of STIR/SHAKEN. They also give you more control to manually choose which calls can come through and which ones to block.
But you should consider potential privacy implications before downloading third-party apps, warns Maureen Mahoney, a policy analyst at Consumer Reports.
There are few restrictions on what these companies can do with your data, so keep in mind that youre trusting developers with sensitive information about your calls, she says.
For even more privacy protection, there are premium services that offer tools such as access to a virtual private network that can safeguard your data on public WiFi networks.
Editors Note: This article has been updated to include the May data on robocalls and how carriers are responding to the June 30 deadline for STIR/SHAKEN technology.
How To Stop Medicare Phone Calls
First, youll want to be sure to add your telephone number to the Federal Trade Commissions Do Not Call List. To register, call from the phone which you want on the Do Not Call list. The phone number is 1-888-382-1222. You can also register your phone number online as well, but youll need to be sure you have an email account to do so.
Also, register both your cell phone and home phone to put an end to the calls. If you find youre still getting spam calls 31 days after you register with the Do Not Call list, file a complaint. If you have a smartphone, you can install a call blocker. You can choose to have any phone number not in your contact list go directly to voicemail.
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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.
How To Apply Online For Just Medicare
If you are within three months of turning age 65 or older and not ready to start your monthly Social Security benefits yet, you can use our online retirement application to sign up just for Medicare and wait to apply for your retirement or spouses benefits later. It takes less than 10 minutes, and there are no forms to sign and usually no documentation is required.
To find out what documents and information you need to apply, go to the .
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How To Call Medicare
You can call Medicare any time, 24 hours a day, at 1-800-MEDICARE . TTY users can call 1-877-486-2048.
This is the main number for general information about Medicare. Customer service representatives can help with basic questions. But there are other numbers at Medicare or other federal and state agencies that can help with more specific questions or issues.
Other Helpful Numbers
- Changing Your Address
- 1-800-772-1213: If you change your address linked to your Medicare account, you should notify the Social Security Administration.
- Report a Lost or Stolen Medicare Card
- 1-800-772-1213: You should notify the Social Security Administration immediately if your Medicare card has been lost or your ID number has been stolen.
- Department of Veteran Affairs
- 1-800-772-1213: If you are a veteran, the VA can provide information about how Medicare can work with your VA benefits.
- State Health Insurance Assistance Program
- 1-800-701-0501: The SHIP program in your state provides counseling services to help you choose the right Medicare plan and health insurance tailored to your needs and finances. The national hotline can set you up with the program in your state.
You can also use Medicares Helpful Contacts locator to look up contact information for dozens of state and federal agencies along with other organizations in your state.
Should I Sign Up For Medical Insurance
With our online application, you can sign up for Medicare Part A and Part B . Because you must pay a premium for Part B coverage, you can turn it down.
If youre eligible at age 65, your initial enrollment period begins three months before your 65th birthday, includes the month you turn age 65, and ends three months after that birthday.
If you choose not to enroll in Medicare Part B and then decide to do so later, your coverage could be delayed and you may have to pay a higher monthly premium for as long as you have Part B. Your monthly premium will go up 10 percent for each 12-month period you were eligible for Part B, but didnt sign up for it, unless you qualify for a “” .
If you dont enroll in Medicare Part B during your initial enrollment period, you have another chance each year to sign up during a general enrollment period from January 1 through March 31. Your coverage begins on July 1 of the year you enroll. Read our publication for more information.
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For Insurance Quotes By Phonetty 711 Mon
MedicareInsurance.com, DBA of Health Insurance Associates LLC, is privately owned and operated. MedicareInsurance.com is a non-government asset for people on Medicare, providing resources in easy to understand format. The government Medicare site is www.medicare.gov.
This website and its contents are for informational purposes only and should not be a substitute for experienced medical advice. We recommend consulting with your medical provider regarding diagnosis or treatment, including choices about changes to medication, treatments, diets, daily routines, or exercise.
This communications purpose is insurance solicitation. A licensed insurance agent/producer or insurance company will contact you. Medicare Supplement insurance plans are not linked with or sanctioned by the U.S. government or the federal Medicare program.
Social Security Office Changes Due To Covid
The Social Security Administration suspended in-person service at its local offices on March 17, 2020, due to the COVID-19 pandemic.
The administration still provides services over the telephone, by fax or through its website.
You can still use the local office locator tool to contact your local office during the pandemic.
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How Medicaregov Can Help You
Medicare.gov is a resource for people who receive Medicare benefits as well as the family and friends caring for their loved ones on Medicare. Medicare.gov offers information regarding the following topics:
- Sign Up/Change Medicare Plans: Learn about the different Medicare coverage options, find out how to enroll, and search for doctors and health providers.
- Your Medicare Costs: View detailed information on costs for Medicare Part A and Part B, Medicare Advantage plans, and Medicare Part D Prescription Drug Plan coverage.
- What Medicare Covers: Find out what benefits and services are covered by Medicare.
- Prescription Drug Coverage : Learn the different ways you can get prescription drug coverage, how Medicare Part D Prescription Drug Plans work with other insurance, and what costs you can expect.
- Supplemental Insurance: Find out about supplemental coverage options like Medigap and compare different policies.
- Claims & Appeals: Learn how to file a claim or appeal and your rights as a Medicare beneficiary.
- Manage Your Health: Find information on preventive services and personal health records.
- Help and Support: Get tools for evaluating Medicare Advantage health plans and Medicare Prescription Drug Plans, nursing homes, doctors, and hospitals. Find beneficiary and caregiver resources, including useful phone numbers and websites.
How To Get Help When You Have Problems With Medicare
Do you have questions about Medicare? Are you having a problem with Medicare coverage or a Medicare claim? Have you searched the web until youre frustrated but not been able to find an answer? Not sure where to turn?
Here are the top six resources for answering your Medicare questions and resolving your Medicare problems.
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Stop Unwanted Robocalls And Texts
FCC Announces Anti-Robocall Actions
Acting Chairwoman Jessica Rosenworcel has announced anti-robocall actions, including: issuing the largest robocall fine in FCC history, sending cease-and-desist letters to six voice providers that have consistently violated FCC guidelines on the use of autodialed and prerecorded voice message calls, launching a Robocall Response Team, and formally reaching out to renew state-federal partnerships to combat the proliferation of illegal robocalls.
FCC Consumer Video: Dont Hang On, Hang Up! To watch this video with captions, click play, then the CC icon.
Unwanted calls including illegal and spoofed robocalls are the FCCs top consumer complaint and our top consumer protection priority. These include complaints from consumers whose numbers are being spoofed or whose calls are being mistakenly blocked or labeled as a possible scam call by a robocall blocking app or service. The FCC is committed to doing what we can to protect you from these unwelcome situations and is cracking down on illegal calls in a variety of ways:
Check out the consumer guide on , which includes information on many of the call blocking and labeling tools currently available to consumers.
File a complaint with the FCC if you believe you have received an illegal call or text, or if you think youre the victim of a spoofing scam. Click the tabs below for tips, FAQs and resources.
Free And Paid Services To Stop Robocalls
For a number of years, junk calls were relatively few and far between for most people. The National Do Not Call Registry worked well for a while. Legitimate companies were generally very compliant, and the violations that did occur were rare. Those that did violate the law were subject to heavy fines.
But over the last few years, the number of junk calls started climbing. Nearly 46 billion robocalls went out in 2020, according to the YouMail Robocall Index.
Its gotten to the point that you need every advantage you can get to keep the robocallers at bay.
Thankfully, the Federal Communications Commission has issued a mandate for all voice service providers to have the robocall-fighting STIR/SHAKEN technology in place by no later than , according to a news release. Well explain in a bit exactly what that means.
But since its still months away, this article is going to take a look at whats out there to help you with ending robocalls in your life right now.
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How To Communicate With Your Local Representatives
Communicating with a government representative about your Medicare coverage is an important conversation. Here are some pointers on how to best prepare for it:
- Before you ask a question, do your research. Make sure youve prepared your question and know the background well enough to explain your question if necessary.
- In order to get the most information possible, make sure to phrase your question carefully and avoid giving the option of a simple yes or no answering your question.
- If you have a question, you want to be taken seriously and get the most you can in your answer. In order to do that, its best to be respectful and not get heated.
Remember the saying, you catch more flies with honey and remain tactful when talking with the representative in order to get the most information possible. If you prepare yourself beforehand and remain respectful whether its in person or over the phone, you have better chances of getting an in depth answer that fully answers your question.
The conversation about Medicare coverage will continue to be important as it is ongoing. If you have concerns, dont hesitate to reach out to your local government official to share your thoughts on how you feel they should work to protect Medicare.
The new Medicare Plus Card saves you up to 75% on things not covered by Medicare
Where Do You Go To Apply For Medicare
You apply for Medicare through the U.S. Social Security Administration. You can do this online, by telephone or at your local Social Security office.
The Social Security Administration can only enroll you in Original Medicare Medicare Part A and Part B. Medicare Advantage plans, Medicare Part D prescription drug coverage and Medigap plans are sold through private insurers.
But the Social Security Administration can help with other services through the Medicare benefits section on its website.
Medicare Services Available Through the Social Security Administration
- Apply for Medicare Part A
- Apply for Medicare Part B
- Request a replacement Medicare card if yours is lost or stolen
- Update address, phone number or other personal information
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Qualifying For Medicaid Under Medicaid Expansion And Current State
Thanks to the Affordable Care Act, ObamaCare, single adults who make under 138% of the poverty level in states that expanded Medicaid, families with young children, and children in all states may qualify for assistance via Medicaid or CHIP based on income. Other factors are used in states that didnt expand see State Medicaid & CHIP Profiles.
TIP: New states are expanding Medicaid each year, so make sure to check out the Current Status of State Medicaid Expansion Decisions.
Current Status of State Medicaid Expansion Decisions as of Jan 1, 2017, source.