FAIRFIELD-SUISUN, CALIFORNIA

David Sayen

Get free help understanding your Medicare

Do you ever have questions about your Medicare? Have you ever wondered where you can get fast, reliable answers to those questions, free of charge? There’s a terrific program in your community that can help. It’s called the State Health Insurance Assistance Program, or SHIP. If you’re eligible for Medicare, you’re eligible for personalized counseling […]

How you can help stop Medicare fraud

Most doctors, pharmacists and other health care providers who work with Medicare are honest. Unfortunately, some aren’t. One common form of Medicare fraud is when Medicare is billed for health care services or benefits that you never received. Someone could have gotten access to your Medicare number and submitted a false claim. In some cases fraudsters […]

May 09, 2015 | Posted in The Other Side of 50 | Tagged

Protect yourself against Medicare ‘gaps’

Medicare helps to pay for a wide variety of health services, from flu shots to hospital stays to hospice care. But it doesn’t cover everything. And it doesn’t cover all your out-of-pocket costs. Many services covered by Medicare require copayments, coinsurance and deductibles. You can purchase supplemental insurance to cover these “gaps” in Medicare. Such […]

April 09, 2015 | Posted in The Other Side of 50 | Tagged ,

When to sign up for Medicare

Most people I know are looking forward to signing up for Medicare just as soon as they can. When you’re first eligible for Medicare, you have a seven-month Initial Enrollment Period to sign up for Medicare’s Part A and/or Part B benefits and services. Part A covers hospitalization and Part B covers doctor visits, outpatient […]

March 12, 2015 | Posted in The Other Side of 50 | Tagged

Get help paying your Medicare costs

Did you know that you may be able to get help from your state paying your Medicare premiums? State-based Medicare Savings Programs also may pay Medicare Part A (hospital insurance and Part B (medical insurance) deductibles, coinsurance and copayments. If you have income from working, you may qualify for these programs even if your income […]

February 12, 2015 | Posted in The Other Side of 50 | Tagged ,

What’s new in Medicare for 2015?

Good news for people with Medicare in 2015: Part B costs will remain the same as in 2014. Medicare Part B helps pay for doctor bills, outpatient care, durable medical equipment and other items. It requires a monthly premium and an annual deductible. I’m happy to report that Part B costs for 2015 will be […]

January 15, 2015 | Posted in The Other Side of 50 | Tagged ,

2 ways to get Medicare benefits

You may not realize it, but there are actually two ways to receive your Medicare benefits. The best-known way is Original Medicare. With Original Medicare, you can choose any doctor, hospital or other health care provider you want, as long as they accept Medicare. When you receive medical services or goods, Medicare pays the provider […]

December 11, 2014 | Posted in The Other Side of 50 | Tagged ,

Time to review Medicare coverage

Medicare’s annual open enrollment season is underway, and I want to encourage everyone with Medicare to review their current health and prescription drug coverage. Open enrollment runs through Dec. 7, 2014. If you want to change your Medicare Advantage or Medicare Part D (prescription drug) plan, this is the time of year to do it. […]

November 13, 2014 | Posted in The Other Side of 50 | Tagged ,

Know your Medicare rights

As a person with Medicare, do you have any rights and protections? You certainly do! You have rights whether you’re enrolled in Original Medicare – in which you can choose any doctor or hospital that accepts Medicare – or Medicare Advantage, in which you get care within a network of health care providers. Your rights […]

October 09, 2014 | Posted in The Other Side of 50 | Tagged ,

What Medicare does (and doesn’t) cover

Medicare helps pay for a wide variety of medical services and goods in hospitals, doctor’s offices and other health care settings. But it doesn’t cover everything, and it’s useful to know what is and isn’t included. Services are covered either under Medicare Part A or Part B. If you have both Part A and Part […]

September 11, 2014 | Posted in The Other Side of 50 | Tagged ,

How to use your new health insurance

If you’re one of the millions of Americans who recently obtained health coverage through the new Health Insurance Marketplace, Medicaid or the Children’s Health Insurance (CHIP), here are some steps you can take to make the most of your new coverage. Put your health first Staying healthy is important for you and your family. Maintain […]

August 14, 2014 | Posted in The Other Side of 50 | Tagged ,

What Medicare covers in the hospital

One of Medicare’s most important benefits is helping to cover your expenses if you need to be hospitalized. But what exactly is covered, and how much do you pay? Medicare helps cover certain services and supplies in hospitals. To get the full range of benefits, you must have both Medicare Part A, which is hospital […]

July 10, 2014 | Posted in The Other Side of 50 | Tagged ,

Here’s how Medicare covers hospice care

Coping with terminal illness can be difficult, for the patient as well as his or her loved ones. That’s why I want to pass along some information about Medicare’s coverage of hospice care. Hospice is a program of care and support for people who are terminally ill. The focus is on comfort, not on curing […]

June 12, 2014 | Posted in The Other Side of 50 | Tagged ,

Choose a hospital that’s best for you

Have you ever read a restaurant guide before picking a place for a special dinner? Or a consumer-advice magazine before buying a new car? Wouldn’t it be great if there was a similar guide for looking up the quality of care at hospitals in your area? Well, there is. It’s called Hospital Compare and you […]

May 08, 2014 | Posted in The Other Side of 50 | Tagged ,

Protect yourself against Medicare ‘gaps’

Your Original Medicare insurance covers a wide variety of health services, from flu shots to hospital stays to hospice care. But it doesn’t cover everything, and it doesn’t cover all your out-of-pocket costs. Many services covered by Original Medicare require co-payments, coinsurance and deductibles. You can purchase extra insurance to cover these “gaps” in Medicare. […]

April 10, 2014 | Posted in The Other Side of 50 | Tagged ,

It’s easy to sign up for Medicare

So you’re turning 65. Congratulations! It’s time to start taking advantage of your Medicare benefits. Just how do you do that? First, here’s a quick overview of the benefits: Medicare has four parts, A through D. Part A pays for hospitalization, and most eligible people don’t have to pay premiums for it. Part B covers […]

March 13, 2014 | Posted in The Other Side of 50 | Tagged ,

It’s easy to get Medicare info online

As we move into 2014, I wanted to give you a quick overview of the Medicare information you can now get online. Our website, Medicare.gov, has a wealth of information that you may find helpful. One terrific feature is our Compare websites, which provide quality-of-care information on hospitals, nursing homes, home health agencies and dialysis centers […]

February 13, 2014 | Posted in The Other Side of 50 | Tagged ,

How Medicare helps you stay healthy

You may have heard something lately about “preventive health care.” What does that mean? At its most basic, preventive health care means living a healthy lifestyle. Eat a balanced diet. Exercise regularly. Maintain a healthy weight. Stop smoking. Like anyone else, people with Medicare can benefit from healthy living habits. Medicare also covers a variety […]

January 09, 2014 | Posted in The Other Side of 50 | Tagged ,

2 ways to get Medicare benefits

Some people may not realize it, but there are actually two ways to get Medicare benefits. The best-known way is Original Medicare. With Original Medicare, you can choose any doctor, hospital or other health care provider you want, as long as they accept Medicare. When you receive medical services or goods, Medicare pays the provider […]

December 12, 2013 | Posted in The Other Side of 50 | Tagged

Time to review your Medicare coverage

Medicare’s annual open enrollment period has begun, and I want to encourage everyone with Medicare to review their current health and prescription drug coverage. Open enrollment runs through Dec. 7, 2013. If you want to change your Medicare Advantage or Medicare Part D (prescription drug) plan, this is the time of year to do it. […]

November 14, 2013 | Posted in The Other Side of 50 | Tagged ,

If you have Medicare, don’t worry about the new Health Insurance Marketplace

Some people with Medicare are asking lately if their Medicare coverage is affected by the new the Health Insurance Marketplace that starts in 2014. The answer is no – the Marketplace won’t have any effect on your Medicare coverage. The Health Insurance Marketplace is designed to help people who don’t have any health insurance. You […]

October 10, 2013 | Posted in The Other Side of 50 | Tagged ,

How Medicare covers ambulance services

I certainly hope you never need an ambulance, but at some point you may have to take one during a medical emergency. If you have Original Medicare, your Part B (medical insurance) covers ambulance services to or from a hospital, critical-access hospital or skilled nursing facility only when other transportation could endanger your health. In […]

September 12, 2013 | Posted in The Other Side of 50 | Tagged ,

What home health services does Medicare cover?

Medicare covers a variety of heath care services that you can receive in the comfort and privacy of your home. These include intermittent skilled nursing care, physical therapy, speech-language pathology services and occupational therapy. Such services used to be available only at a hospital or doctor’s office. But they’re just as effective, more convenient and […]

August 08, 2013 | Posted in The Other Side of 50 | Tagged ,

Inpatient or outpatient? It makes a difference with Medicare

When you go to a hospital, does it make any difference if you’re considered an “inpatient” or an “outpatient?” Yes, it does. Your hospital status (whether the hospital classifies you as an inpatient or outpatient) affects how much you pay for hospital services like X-rays, drugs and lab tests. It also may affect whether Medicare will […]

July 11, 2013 | Posted in The Other Side of 50 | Tagged ,

Some doctors don’t take Medicare

What does it mean when a doctor tells you he or she has “opted out” of Medicare? An opt-out doctor is one who doesn’t accept Medicare. Doctors who have opted out of Medicare can charge their Medicare patients whatever fees the physicians choose. These doctors don’t submit any health care claims to Medicare. In addition, […]

June 13, 2013 | Posted in The Other Side of 50 | Tagged ,

How Medicare is improving coordination of your care

If two mechanics are working on your car, but they’re not talking to one another, the results may not be so good. Likewise, if a baseball coach doesn’t communicate well with his players, he’s not likely to win as many games as he could. Good coordination can improve outcomes in all sorts of human activities. […]

May 09, 2013 | Posted in The Other Side of 50 | Tagged ,

Get what you need from your Medicare drug plan

Is there anything you can do if your Medicare prescription drug (Part D) plan refuses to pay for a drug you need? What if you think you shouldn’t be paying as much for a certain drug? In both of these cases, you as a Medicare beneficiary have the right to formally request that your Part […]

April 11, 2013 | Posted in The Other Side of 50 | Tagged ,

Coming soon: A new way to buy health insurance

When key parts of the health care law take effect in 2014, you’ll have a new way to buy health insurance for yourself, your family or your small business: the Health Insurance Marketplace. The Marketplace is designed to help you find health insurance that fits your budget, with less hassle. Every health insurance plan in […]

March 14, 2013 | Posted in The Other Side of 50 | Tagged ,

Here’s how Medicare works with other insurance

You may have wondered how Medicare works with other insurance coverage, such as a group health plan from a former employer or union. It’s an important issue because it determines whether your medical bills are paid correctly and on time. If you have Medicare and other insurance, always be sure to tell your doctor, hospital […]

February 14, 2013 | Posted in The Other Side of 50 | Tagged ,

What’s new in Medicare for 2013

The Affordable Care Act strengthened Medicare in important ways. Signed in 2010, the federal health law already has provided free preventive health benefits to millions of people with Medicare, and saved billions of dollars for those who hit the gap in their Part D prescription drug coverage. In 2013, discounts on prescription drugs for people […]

January 10, 2013 | Posted in The Other Side of 50 | Tagged ,

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