Ask: Have My Health Care Needs Changed
Things change in life, and some changes may affect the kind or amount of health care you need. For example:
- A new diagnosis might mean more doctor visits or new medications
- An advancing illness may increase the number or length of hospital stays or require home care
- Additional medications may be needed to manage chronic conditions such as diabetes, arthritis or heart disease
- Maybe you have a planned surgery coming up.
Examples like these can help get you thinking, but whats important is to look carefully at your health care needs past, present and, as much as possible, future. Only then can you choose the type of coverage and specific plans that may best meet your personal needs.
Once you have a good handle on your health care needs, its time to look at your current coverage.
There Are Two Types Of Medicare:
- Original Medicare includes Part A and Part B. For drug coverage, you join a Medicare prescription drug plan . To pay additional costs, which can mount up quickly, most people buy a Medicare Supplement plan .
- Medicare Advantage, otherwise known as Medicare Part C, is an all-in Medicare health plan operated by private companies that contract with Medicare to provide Part A and Part B benefits and usually, but not always, prescription drug coverage.
Which plan you choose affects many things going forward, including how your Medicare works, what it pays for, and how easy or hard it is to switch things around.
One of the best places to learn about Medicare is Medicare.gov, the governments information site. In order to get accurate information, you must create an account. Once youve done that, you can tailor your results. The site doesnt give you help making a decision about what is best for you, but it does offer plenty of personalized details to guide your decision making.
Your New Brunswick Medicare Card
In order to avoid fraudulent use of duplicate cards as well as support security features, New Brunswick, like many other Canadian provinces, issues one Medicare card per individual.
In the case of a minor child, the card is to be entrusted to the childâs legal parent or guardian.
The goal of the Medicare card is solely to enable eligible New Brunswick residents to obtain insured services. Please carry your signed card with you at all times. A parent or guardian should sign the card for dependent minor children. You must present your signed card to the physician and/or hospital each time you access insured services.
New Brunswick Medicare has the right to terminate your coverage or adjust your expiry date at any time.
A physician who provides a service to an individual who does not have a valid NB Medicare card has the right to bill the individual/parent/legal guardian.
Various government and non-government agencies use the Medicare number for identification purposes or will request it for proof of identification. Your NB Medicare card is valuable but is not a legal piece of identification. We do not encourage the use of the card for other than its intended purpose, which is coverage of insured health care benefits for the named individual under the plan.
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Reasons To Obtain A New Card
So, if your Social Security card never expires, then why would you ever need to get a new one? There are a few reasons why this might occur. First, you can request a new card if yours is lost or stolen. This is one of the most common reasons for requesting a replacement card. Perhaps your card is not completely lost, but it becomes illegible due to age or other wear. In this case, you would also need to get a replacement Social Security card.
Another common reason to get a new card is due to a name change. People who get married frequently need a new Social Security card displaying their new name. You might also need to update your card if key information associated with your SSN changes. For example, if you need to update your date of birth or gender with the Social Security Administration, then a new SSN card might need to be issued.
Remember You Have A Set Time To Decide
The Medicare Annual Enrollment Period runs October 15 through December 7. This is the only time each year anyone with Medicare coverage can make changes .
Automatic renewal is a great way to go if you feel confident that the coverage you already have will fit your needs going forward. Its easy and convenient but once open enrollment is over on December 7, your chance to change your Medicare coverage for next year is over, too, unless you move or otherwise qualify for a special exception. You get to choose the Medicare coverage that you think best fits your needs each year during this time. You may choose to let your current coverage renew. Or you may choose something different. The important thing is to choose.
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I Lost My Card And I Need A New Medicare Insurance Card
eHealths Medicare website is operated by eHealthInsurance Services, Inc., a licensed health insurance agency doing business as eHealth. The purpose of this site is the solicitation of insurance. Contact may be made by an insurance agent/producer or insurance company. eHealth and Medicare supplement insurance plans are not connected with or. DEERS Enrollment and USID Card Issuance During COVID-19. June 2021 Update. Please visit ID Card Office Online at https://idco.dmdc.osd.mil/idco to find your nearest ID card issuing facility and schedule an appointment The federal government is attempting to crack down on this problem by issuing new Medicare cards between April 2018 and April 2019. Instead of using your Social Security number as an.
Who Do Medicare Scammers Target
Medicare scammers target primarily the elderly however, anyone can be a victim to their scams. Since the start of COVID-19, targeting of the elderly has increased substantially. In fact, the Department of Health and Human Services Office of Inspector General states that it has received over 1,500 fraud complaints related to COVID-19 Medicare scams.
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Can I Laminate My Medicare Card
After you enroll in Medicare, youll receive one or more cards showing that youve enrolled in the program. Like your Social Security card, your Original Medicare card is made of paper, not plastic. While you may have concerns about your cards durability, laminating it may make it harder for providers to use it to ensure you receive your benefits.
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Are The New Medicare Cards Plastic
The new Medicare cards, which were issued in 2018, are made of thick paper. Paper cards are easier to use and copy, and they also save taxpayers money. Having paper Medicare cards also allows beneficiaries to print off their own cards should they lose their original one.
There are some companies who sell plastic Medicare cards. While some of these companies are legitimate, some may be scams that are just attempting to collect your Medicare number and other information for fraudulent purposes. If you wish to purchase a plastic Medicare card, research any company before doing business with them.
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When Will My Medicare Plan Not Automatically Renew
Situations in which these types of Medicare plans might no longer be provided can include:
- The plan is deemed to be low performingMedicare rates all Medicare Advantage plans and Part D plans each year using the Medicare Star Rating system. Each plan is given a rating of one to five stars, with five stars being the highest ranking.1If a plan receives fewer than three stars for three consecutive years, Medicare will flag the plan as low performing. Medicare reserves the right to discontinue low-performing plans from being offered. If this happens, all members of the plan will receive a notice informing them of the decision, and they will be granted a Special Enrollment Period to sign up for a different Medicare plan.
- The plan stops serving your areaA Medicare Advantage plan, a Part D plan or a Medicare Supplement Insurance plan may occasionally change its coverage area and stop providing benefits to a particular location. If this happens, plan members may be given a Special Enrollment Period to sign up for a different Medicare plan that is offered in their area for the coming year.
- The insurance company stops providing the planMedicare Advantage plans, Medicare Part D plans and Medicare Supplement Insurance plans are sold by private insurance companies. The company that provides a plan may choose to no longer offer that specific plan. If this happens, plan members may be granted a Special Enrollment Period to enroll in a new Medicare plan.
S To Apply For A Medicare Card
Step 1. Begin by going to the Social Security website and apply online by clicking on Medicare, located at the top of the page headings . A new page will appear, and you will then click the Apply for Medicare Benefits link.
Step 2. On the Apply for Medicare Benefits page, you will be asked if you are applying for yourself or another. Fill in the bubble that is appropriate for your application purpose . Then, click the Privacy Act Statement, after reading the statement click the Apply for Benefits icon, to begin the question portion of your application process.
Step 3. Answer the questions posed, such as your name, address, date of birth, Social Security number, income, employment history, medical history, disabilities and your income.
Step 4. Review the information that you have given and then verify that it is correct on the last page of the application. Then, click on the Submit icon.
Typically, that is all there is to it no further information is required. In approximately 30 days or so, you should be receiving your Medicare card by mail. Check the information on your card for accuracy.
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What Do You Need To Know About Your Medicare Card
Your red-white-and-blue paper Medicare card is similar to other health insurance cards you may have had in the past. It acts as proof that you have Medicare health insurance, and it provides the starting date of your coverage.
Did You Know?
A red-white-and-blue paper Medicare card is mailed to adults who are turning 65 and enrolled in Medicare.
What Is A Medicare Flex Card
A Medicare flex card is like a debit card or credit card that is tied to a flexible spending account , health savings account , or health care reimbursement account . These cards often come pre-loaded with a certain amount of money, and you can use that money to pay for medical expenses throughout the year. In most cases, the card will be reloaded each year as long as you remain on the same insurance plan. These cards are easy to use. You simply swipe it just like a credit card at your doctors office, the pharmacy, or anywhere else you need to pay for a medically-necessary device or service. The card can be used to pay for copays, prescription drugs, over-the-counter medication, and many other things.
One important thing to note about these flex cards is the fact that they are not issued directly from the Medicare program. If you see anyone advertising a card claiming it comes directly from Medicare, be careful! That could be a scam. These cards are issued by private insurance companies that manage Medicare Advantage plans. You must be enrolled in a Medicare Advantage plan that includes a flex card benefit to qualify for a card.
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When Should The Replacement Card Arrive
People who request a card from Social Security can expect the card to arrive within 30 days.
People who have a name or address change can make those adjustments inside their My Social Security account.
If the card does not arrive within 30 days, a person can call Social Security. The card contains important personal information. If it is lost or stolen it is important to notify Social Security.
Card Activation Fee Or Issue With Card
The scammer may try to convince you to pay a fee to activate your card or fix an error they claim exists. You do not need to pay anything to activate your Medicare card. And if there is an error with your card then contact Medicare directly, do not engage in a random call from an unconfirmed person.
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How To Use A Medicare Flex Card
So, how do you use your Medicare flex card? The process is easy! Cardholders only need to present the card to their provider for payment, just like any other credit card. Depending on your specific health care plan, your card might be tied to either the Mastercard or Visa network. Either way, the card works the same. These cards do not typically have a PIN, so you will want to make sure that you scan the card as a credit card. As long as you have enough money left on the card, the transaction will be approved. You will sign the receipt, and the transaction will be done.
Remember that the IRS has specific rules about what constitutes a qualifying medical expense. These cards can only be used to pay for qualifying items, and we will discuss what your card can be used for in more detail later in this article. If you use the card to purchase an item that does not qualify, you could be on the hook with the IRS. You might need to repay the amount into your flex account. It is also possible that you could get hit with some tax penalties as a result of an improper purchase. Make sure that you properly document all expenses for which you use your flex card. Keep receipts and other documentation, as you might need to produce this documentation later.
How Does The New Medicare Number Protect My Social Security Number
In 2019 Medicare sent everyone a new kind of Medicare card that displayed a Medicare number instead of your SSN. The new medicare number is called a Medicare Beneficiary Identifier or MBI for short.
While this protects your SSN the MBI can still be stolen and used by thieves. Scammers would call individuals claiming they needed to confirm or authenticate their new Medicare Beneficiary Number. They may also claim your new card was incorrect or will not work properly due to an error.
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I Want To Keep My Current Medicare Coverage
If you look at your Annual Notice of Change letter, dont find anything amiss, and decide after carefully evaluating your Medicare plan that you want to keep it, we have good news.
Unless you take action to change it during the Annual Enrollment Period, your current Medicare coverage will renew for the following year. Automatic renewal helps ensure that you will have continuing coverage. It works the same whether you have Original Medicare , a Medicare Advantage plan or a Medicare prescription drug plan . You simply do nothing and your current coverage choices stay in place for another year.
I Want to Change My Medicare Coverage
There are a lot of reasons to think about getting a new Medicare plan. Your health care needs may have changed in the last year. Maybe you want new benefits such as a fitness membership that your current plan doesnt provide. Or maybe, you just want to explore your options and see if you can save on Medicare costs.
If you decide you want to change plans, there are three options to do so: work with the insurance provider directly, work with an insurance agent, or contact Medicare. You can read more about each option here.
S To Renew Your Dot Card After It Expires
Note that the process for application is the same in every state: whether renewing, applying for or changing your DOT card, youll first select which type of commercial operation you will be performing with your license, then you will be asked to submit yourself for a new DOT physical exam. A DOT physical exam has many different components. Here are the six things to expect during a DOT physical.1
Whether you are renewing or acquiring a new card, during a DOT physical, the driver will need to provide extensive background on their medical history, including past surgeries, medications taken, and history of health conditions. Nonetheless, it is always important to be honest when providing health history as there could be repercussions later on if the correct health history is not provided.
Vitals Testing and Physical Examination
Have it in mind that a large portion of the DOT physical is testing vitals. Testing includes pulse, height, weight, and blood pressure. The FMCSA also requires urinalysis, which looks at the protein, blood, and sugar in a urine sample to rule out underlying medical problems.
Coupled with the other general testing above, the FMSCA requires vision testing to ensure drivers are meeting the standard of at least 20/40 vision acuity in each eye with or without correction and at least 70° field of vision in horizontal meridian measured in each eye .
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How Can I Protect My Medicare Card
A good alternative to laminating your Medicare card is purchasing a clear plastic ID card holder. These holders provide an equal level of protection as lamination but with the added ability to remove the card quickly and easily when needing to use or copy it.
Its a good idea to make a copy of your Medicare card and keep the original card in a safe place at home and the copy in your wallet or purse.
If you are visiting a health care provider you have seen before, you may not need to show your Medicare card, as they may likely have it on file. If you are visiting a new provider, you should bring your Original Medicare card with you. Sometimes a copy of your card or even a photo of your card may be accepted. Its a good idea to call ahead and ask what form of Medicare information is accepted.
If you belong to a Medicare Advantage plan, a Medicare Part D prescription drug plan or a Medicare Supplement Insurance plan, you should have another insurance card for that particular policy. You should take both your Original Medicare card and your private Medicare card when receiving care.