S2 E8 - The A,B,C, and D's of Medicare

In this episode, we talk with Andy Haggard, a seasoned veteran in the realm of Medicare. With 23 years at COAAA, starting as a PASSPORT case manager before moving into community education, and outreach, and now spearheading Medicare outreach, Andy's vast experience is nothing short of impressive.

His role also encompasses managing internal agency disaster preparedness and staff safety, highlighting his versatility and commitment to community service.

Andy helps us untangle the knots of Medicare Parts A, B, and C, including the differences between Medicaid and Medicare, their eligibility criteria, additional support programs for those with limited income, and the essentials of Part D prescription coverage.

Top Takeaways

1. **Understanding Before Engagement**: Before discussing plans with agents, it is crucial to understand Medicare’s basics and options to avoid being influenced by commissions or misinformation.

2. **Medicare vs. Medicaid**: It’s important to recognize the differences: Medicaid is state-funded with eligibility varying by state, while Medicare is federally funded and offers consistent criteria across the U.S.

3. **Assistance for Limited Income**: Programs like limited income subsidies and Medicare Savings Programs are in place to aid those with limited income in covering their Medicare expenses.

4. **Annual Benefits Review**: Beneficiaries should stay informed about their Medicare benefits and be mindful of annual changes, utilizing resources like medicare.gov for up-to-date information.

5. **Open Enrollment Period**: This is a crucial time frame when individuals can change their prescription drug coverage or Medicare Advantage Plan and adjust to their current needs.

6. **Part D Considerations**: Due to changing medical needs or plan benefits, re-evaluation of Part D (prescription drug coverage) is often necessary for individuals.

7. **Free Educational Resources**: While personal advising services may cost, there are free services available to help with understanding Medicare options.

8. **Making Informed Decisions**: The aim of educational outreach on Medicare is to empower individuals to make informed and confident choices about their healthcare.

9. **Understanding Eligibility**: Qualification for Medicare typically begins at age 65, or earlier for those receiving Social Security disability benefits for at least 24 months.

10. **Safety and Preparedness**: Beyond Medicare education, there are also efforts to improve safety and preparedness for agency staff, through tools like the safety app RAVE and emergency management planning.

Memorable Moments

04:13 Reviewing incidents, safety reports, and concerns quarterly.

07:10 Guardian app offers safety features, monitoring chat.

12:41 Staff handles Medicare queries, offers public education.

14:17 Outreach program helps seniors with Medicare decisions.

16:44 Prescription drug coverage is still a huge issue.

20:44 Various benefits available for eligible individuals.

25:40 Enrollment process for Social Security.

28:48 Part D covers prescription drugs, compare benefits.

34:44 Medicaid varies by state, Medicare is national.

38:21 Importance of staying updated on programs and plans.

Let me know what you think of this podcast, as well as any ideas you have for an episode. Email me at [email protected]!

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