Page 42 - February 2022 Issue.indd

• $389 per day for days 61-90
each benefi t period
SHORE MEDICARE SOLUTIONS LLC • $778 per lifetime reserve day
after day 90 in a benefi t period

Marti Wright • Owner (You have 60 lifetime reserve days that can
only be used once. They’re not renewable.)

Independent Insurance Broker
Skilled nursing facility insurance:
Over 25 Years Experience with • $0 for the first 20 days of inpatient

care each benefi t period
Medicare Supplement Insurance • $194.50 per day for days
21-100 each benefi t period
Phone: (410) 443-1169
Part B (Medical insurance) Increasing
Email: shoremedicaresolutions@gmail.com 15% in 2022- largest jump in 15 years.
Part B helps pay for health care services
When it is time to enroll, make sure you such as doctor services, preventive
have proof that you and your spouse benefits, hospital outpatient surgery
have been insured by the group plan and care, ambulance services, outpatient
from the time you became eligible for mental health services, durable medical
Medicare. You will be required to submit equipment, and some home health care
form CMS-L564, Request for Employee that is not covered by “A”.
Information, which can be filled out
Part B premium: $170.10 monthly
and signed by your HR department, as
(plus any late enrolment penalties)
proof of job-based insurance to avoid

penalties. You will fi ll out CMS-40B to If your annual income is higher than
ĂŝůLJ ĐƟǀŝƟĞƐ declare when you want to start Medicare $91,000 for an individual ($182,000 for
RN on Call coverage. Be sure to specify the date you a couple), you will pay a higher premium
want it to start on the bottom line titled based on IRMAA (Income related
,ŽŵĞ ŽŽŬĞĚ DĞĂůƐ͕
^ŶĂĐŬƐ Θ ĞǀĞƌĂŐĞƐ “remarks” to ensure that coverage starts monthly adjustment) rules.
the day after your employer coverage
>ĂƵŶĚƌLJ Θ ,ŽƵƐĞŬĞĞƉŝŶŐ • Part B deductible: $233 per year
ends.
>ŝĐĞŶƐĞĚ ƚŽ WƌŽǀŝĚĞ • Part B coinsurance: 20% for
ĂƌĞ ĨŽƌ >ĞǀĞůƐ ϭ͕Ϯ͕ϯ Finally, Here are the Updates for most services Part B covers.
DĞŵŽƌLJ ĂƌĞ Medicare costs for 2022. This is where Supplemental

^ƉĞĐŝĂů ŝĞƚ Θ ŝŶŝŶŐ ƐƐŝƐƚĂŶĐĞ Part A (Hospital insurance) pays for insurance, also known as Gap
WŽƐƚͲƌĞŚĂďŝůŝƚĂƟŽŶ WĂƌƚŶĞƌƐŚŝƉƐ admitted inpatient care at a hospital, insurance, comes into play.
ǁŝƚŚ ŽĐƚŽƌƐ ĂŶĚ dŚĞƌĂƉŝƐƚƐ skilled nursing facilities, skilled home When covered by “B” you are responsible
ĂŶĚ ŵƵĐŚ ŵŽƌĞ͘͘͘ health care, and hospice care. for obtaining a prescription “D” plan. If
www.arcadia-living.com Part A premium: you do not have “D” set up when your
other coverages start you may incur

• Free if you’ve worked a penalty for late enrollment. One
10 years or more

may qualify for a Special Enrollment
• $274 per month if you’ve Period (SEP) if you have moved out
Come Home to Arcadia worked 7.5 to 10 years of your service plans area, have left or
are changing jobs, or are moving in
• $499 per month if you’ve
before they turn 65, to avoid penalties worked fewer than 7.5 years or out of a nursing home. Call Mary

and coverage lapses. The timing of the Moran at 410-479-2535 for assistance in
start of A&B should start the day aft er Part A hospital deductible: exploring your options to get into a plan
employment insurance ends. Some that allows “D” enrollment outside of the
• $1,556 each benefi t period
employers will notify you of the need Fall Annual Open Enrollment. (October
for employee’s spouse to enroll in “A” & Part A hospital coinsurance: 15 through Dec 7)
“B” when the employee’s spouse turns
• $0 for the first 60 days of inpatient Part D (Prescription drug coverage)

65. Others do not, so be in the know to
care each benefi t period
protect your spouse when magical 65 is • National average Part D
on the horizon! premium: $33.37 per month
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