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to one’s income. This program does not   manual digital exams are covered at 80%

                                               apply to folks in public housing or who   after the annual deductible is met. If the
                                               live in housing where the rent is prorated   exam takes place in a hospital outpatient
               Spot                            apply online at www.taxcredits.sdat.  due to the facility, so make sure that
                                                                                  setting there is an additional 20% copay
            Senior          according to income. Applicants may
                                               maryland.gov, email questions to
                                                                                  exam takes place in a doctor’s office,
                                               sdatrenters@maryland.gov or call   fellas! The PSA blood test is covered at

                                               410-767-4433 for more information.   100%.
                    Senior Moments             Th e filing deadline for both programs is

                     by Mary Moran             October 1st but do not delay, do it today!  “Medically necessary” is always the
                      410-490-3078                                                key phrase to get Medicare to pay for
                                               One of the problems that arose from   evaluations, procedures, or Durable
                                               Covid-19 protocols was women and men   Medical Equipment. Medicare.gov
            Isn’t Spring wonderful? The trees
                                               postponing annual exams. Now that   states that the phrase covers “healthcare
            budding and leafing out, spring fl owers

                                               the Covid-19 vaccinations are steadily   services or supplies needed to diagnose
            taking their turns bringing us much
                                               rolling out, please start scheduling   or treat an illness, injury, condition,
            needed color, the warmer breezes
                                               your self-care appointments again.   disease, or its symptoms that meet
            spreading the aroma of fresh cut grass
                                               (Reminder: Caroline County is off ering   the accepted standards of medicine.”
            and chicken manure on the fi elds, and
                                               many opportunities for this essential   Without that phrase being included
            the opportunity to get digging in the
                                               Covid vaccination, as are Walmart   in procedure orders or for equipment,
            gardens are all reminders of how lucky
                                               and Walgreens, so call today to get er   Medicare will not pay, so the benefi ciary
            we are to live in Caroline County!
                                               done!) Remember that Medicare Part   will be stuck paying full price and will
            Spring also brings Maryland residents   “B” covers 100% of women’s wellness   not benefit from the discounted copays/

            the annual opportunity to apply for   exams including pap smears, pelvic and   coinsurances resulting from Medicare
            the Homeowners Property Tax Credit.   breast exams. Wellness mammograms   Assignment agreements.
            This credit is based on gross household   are covered every 24 months, or every

            income (not exceeding $60,000 per   12 months if circumstances require it.   Participating Health Care Providers and
            year) and provides a property tax break   Diagnostic mammograms are covered   DME suppliers who accept Medicare
            on one’s real property tax bill for the   80% with the beneficiary, or one’s   Assignment agree to accept the Medicare
            primary residence of homeowners of all   supplemental insurance paying the 20%   approved amount as full payment for
            ages. Be sure to fill out the app carefully   co-insurance after the annual deductible   services. They agree to charge you,


            and follow the step-by-step instructions   is met. The annual part “B” deductible   or your supplemental insurance, the

            provided. Only those whose applications   for 2021 is $201.           coinsurance amount due based on the
            were received before April 15 will see                                amount Medicare paid.  Generally,
                                               Part “B” also covers colonoscopy   providers wait for Medicare to establish
            the credited discount on their July bill.
                                               procedures considered to be medically   the reimbursement amount for the
            If you are a first-time applicant, or are

                                               necessary every two years for high-risk   service and pay its share before billing
            submitting your application now, do not
                                               patients, but only once every ten years if   the patient. When changing doctors or
            delay paying the tax bill while waiting for
                                               the patient is not high risk. Men’s prostate   going in for a procedure, be sure to ask
            your approval letter.  Be sure to pay your
            property tax bill early to take advantage
            of any early payment discounts! Our              TURNING 65?
            local offices will issue a refund check
            for the difference between what you   Confused about all the Medicare Terms & Options?
            actually paid and the adjusted amount
            determined by the information supplied                    Let Me Help You!
            to the State Department of Taxation.
            Homeowners may apply online at
            www.taxcredits.sdat.maryland.gov,                Anthony Insurance Services
            email questions to sdat.homeowners@
            maryland.gov, or call 410-767-5900 for           Ann M. Anthony
            more information.
            For those who have a lease and are         Specializing in Medicare Supplemental Plans,
            legally responsible for paying rent, the   Medicare Advantage Plans, Medicare Part-D Plans,
            Renters Tax Credit provides a direct
            check payment of up to $1,000 for those   Dental and Vision, Long Term Care, and Life Insurance
                                                  Call Ann Today for an Appointment 410-708-0899 • anthonyins17@gmail.com
            who meet program requirements. It is
                                                             22850 Fleming Road, Denton, MD 21629
            intended to offset rent costs in relation

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