- Do you have health insurance from another source?
- Do you have any chronic conditions?
- Which doctors and hospitals do you use?
- Which prescriptions do you need and what pharmacies do you get them from?
WHO WE ARE
Lorain County Office on Aging improves the health, well-being and independence of Lorain County residents by serving vulnerable aging individuals & other adults with special needs.
WHAT WE DO
The Lorain County Office on Aging strives to improve the health of seniors & disabled adults through: assessment, benefits assistance, support services to remain independent for as long as possible, linkage/referral, transportation assistance, home food delivery, housekeeping, chore assistance, food pantry services, volunteer placement, kinship services and Senior Years newspaper.
Are You Over 60 or Disabled & Unsure Where to Turn for Help?
Call Lorain County Office on Aging, at (440) 326-4800, Today!
Do you know a senior or disabled adult who is struggling to maintain their health, well-being and independence?
Our Aging & Disability Resource Network (ADRN) offers a variety of services to connect you with benefits and resources needed to protect your health and remain independent, in your home.
Call today and a highly trained Information & Assistance Counselor will work with you to determine services you (or an eligible family member) are eligible to receive and help connect you with services to help maintain seniors and disabled adults maintain their health and independence. The Lorain County Office on Aging also provides follow-up services to make sure you get all of the services you are eligible to receive.
To learn more about how Lorain County Office on Aging’s ADRN can help, please call our
Information & Assistance Counselor at (440) 326-4800
IMPORTANT INFORMATION FOR
LORAIN COUNTY RESIDENTS
RECEIVING BOTH MEDICARE & MEDICAID SERVICES
MyCare Ohio– a new managed care plan designed for adults 18 and older receiving services from BOTH Medicare and Medicaid is coming to Northeast Ohio.
If you currently participate in a wavier program including, PASSPORT, CHOICES, Ohio Home Care or Assisted Living, if you reside in a nursing home, if you need behavior health or drug and alcohol services or live in the community and receive Medicare and a Medicaid card each month for full Medicaid services, you will be required to make a decision about MyCare Ohio.
Individuals will now have until December 2014 to decide which Medicare plan best fits their health care needs. This may include selecting one of the three Medicare Managed Care Plans or deciding to “opt out” of Medicare managed care. The choice is yours, depending on which plan best meets your health care needs.
Beginning in January 2015, individuals who have not yet selected a Medicare plan will be enrolled in one of the MyCare Ohio managed care plans to ensure the full coordination of their care. These individuals will have the option “opt out” of Medicare managed care and to continue to receive their Medicare benefits through traditional Medicare fee for service or through a Medicare Advantage Plan.
For questions and information about MyCare Ohio, please call:
LORAIN COUNTY OFFICE ON AGING’S
BENEFITS ASSISTANCE COORDINATOR
The Five Biggest Mistakes Boomers Make When Enrolling in Medicare
Here are the five biggest mistakes boomers should watch out for when enrolling in Medicare:
Mistake 1: Signing up too early or too late for Medicare and its parts
If you are aging into Medicare, your initial enrollment period is based on your 65th birthday. To avoid long-term penalties, make sure you know what you have to choose—and by when. If you or your spouse are still working when you turn 65 and your insurance meets certain requirements, it may make sense for you to delay enrollment in Parts A, B, and D. Find the rules here. On MyMedicareMatters.org, you can take a free, confidential Medicare QuickCheck™ and receive a personal report with your initial enrollment period, or special enrollment period if you or your spouse are still working, and recommendations about when you should sign up for which parts of Medicare.
Mistake 2: Not understanding the difference between a Medicare Supplement and a Medicare Advantage policy
If you are new to Medicare, you have a fundamental choice to make: enroll in original Medicare or opt into a Medicare Advantage plan. It is very important that you understand the pros and cons of both types of coverage.
Original Medicare is a fee-for-service program. Most consumers supplement the government benefit with a private Medicare Supplement (also called Medigap) policy as well as a Part D plan for their prescription drugs. A Medicare Supplement policy may cover some services that are not included under the standard Medicare Parts A and B as well as some out-of-pocket costs such as co-insurance costs for care at skilled nursing facilities, the Part A deductible, and foreign travel emergency care. If you choose a Medicare Supplement policy, you will pay an additional monthly premium. You won’t need prior authorization to use specialists or to get second opinions.
A Medicare Advantage Plan (Part C), on the other hand, takes the place of original Medicare Parts A and B. These plans work more like group insurance. They are sold through approved, licensed insurance companies and may have an additional monthly premium. Often, Medicare Advantage plans include prescription drug coverage as well as services that original Medicare does not such as health/wellness programs and vision care. However, a Medicare Advantage plan may also limit a person’s ability to use doctors and hospitals, and also require prior authorization to use specialty services.
During open enrollment, you have the option of changing from one type of plan to another if your needs have changed.
Mistake 3: Guessing when picking specific plans
It can be very difficult and time-consuming to compare all of the plans that are available to you. Many people try to do their homework, get frustrated, and then “give up and guess.” Choosing a Medicare plan is too important to leave to guesswork. Take the time to review your health insurance needs before your first—and every subsequent—enrollment period. Think about:
You don’t have to do this on your own. You can get help from a trusted source that can help you think through your options and compare plans. If you’re unsure about your choices, start with a Medicare QuickCheckTM to get a personalized report on your options and use that to start a conversation with a licensed benefits advisor.
Mistake 4: Not applying for extra help
Millions of older adults are eligible for billions of dollars in programs that can help them pay for their prescriptions and health insurance premiums, deductibles, and coinsurance. If your income in retirement is modest, you should find out if you qualify for assistance. NCOA also offers a free online BenefitsCheckUp® where you can see if you’re eligible and apply online for Extra Help or Medicare Savings Programs. Or, contact your State Health Insurance Assistance Program (SHIP) to see what’s available to you.
Mistake 5: Not re-evaluating your coverage every year
Unfortunately, choosing health insurance is no longer a one-time decision for most Medicare beneficiaries. Insurance companies can make changes to policies every year. Just because your doctor and medications are covered this year doesn’t automatically mean they will be covered in the coming year. Research studies show that the average consumer could save $300 or more annually if they review their Part D coverage. Make sure to confirm cost, copays, coinsurance, covered providers, and prescription drugs. Here are a few things to consider:
- Has your health changed in the last year?
- Is your current plan still meeting all of your health needs?
- How much have you paid out-of-pocket in the last year—and for what?
- How is your plan changing for the coming year? How will that affect your out-of-pocket costs?
- Are there better options available to you now?
Questions or Not Sure Which Medicare Options are Best for You?
Call Lorain County Office on Aging's
Aging & Disability Resource Network (ADRN)
Save the Date
SENIOR FEST 2014
Tuesday, November 18, 2014 – Midway Mall
Lorain County Office on Aging will be hosting Senior Fest 2014, at Midway Mall, on Tuesday, November 18th. The event will run from 10:00am – 2:00pm, in front of Macy’s. Vendors and presentations will offer tips on ways you can maintain and improve your health and well-being as you age. Join us for good musical entertainment, presentations, tips for staying healthy as you age and door prizes galore! We hope to see you there!
For more information about the November 18, 2014, Senior Fest 2014, please contact Lorain County Office on Aging at (440) 326-4800.
ARE YOU STRUGGLING TO PAY HEATING BILLS THROUGHOUT THE WINTER?
CALL AGING & DISABILITY RESOURCE NETWORK (ADRN) AT (440) 326-4800
Lorain County Office on Aging offers assistance applying for the Home Energy Assistance Program (HEAP) to eligible adults who are disabled or 60+ and live in Lorain County. Eligibility is based on income.
To see if you are eligible to receive Home Energy Assistance to help pay your utility bills, please call:
Lorain County Office on Aging
Monday - Friday (8:00a - 4:30p)
Interested in Helping Isolated Seniors in Need?
CONSIDER BECOMING A TRANSPORTATION TO HEALTHCARE APPOINTMENT VOLUNTEER DRIVER
To address the transportation needs of sick, isolated & homebound seniors living in Lorain County, Lorain County Office on Aging operates a Transportation Assistance to Healthcare Appointments Program at our Elyria and Wellington offices.
We are always looking for caring, reliable individuals who want to make a difference in the lives of others, and are interested in protecting the health and independence of older Lorain County residents in need.
Flexible schedules are available. Training and mileage reimbursement are provided.
INTERESTED IN VOLUNTEERING WITH OUR TRANSPORTATION ASSISTANCE PROGRAM?
Please contact Carrie, at (440) 326-4826, today
Common Situations to Consider When Enrolling for Medicare Part D Coverage
You might want to…
Currently taking specific prescription drugs.
Look at Drug Plans that have included your medications in their formularies. The compare the costs.
Want extra protection for high prescription drug costs.
Look for plans that offer coverage in the coverage gap (Doughnut Hole), and then check with those plans to be sure your prescribed medications would be covered during the coverage gap (note: come plans may charge a higher monthly premium).
Want you’re your expenses to be balanced throughout the year.
Look at plans with low and no deductibles or additional coverage in the coverage gap.
Use a lot of generic prescriptions.
Look at plans with tiers that charge you nothing or low co-payments for generic prescriptions.
Do not have many drug costs now, but want coverage for peace of mind, and to avoid future penalties.
Look for plans with low monthly premiums for drug coverage. If you need prescriptions in the future, all plans must still cover most drugs used by people with Medicare.
Like the extra benefits and lower costs that are available by getting your health care and prescription drug coverage from one plan, and are willing to accept the plan’s restrictions on what doctors, hospitals and other health care providers you can use.
Look at Medicare Advantage Plans with prescription drug coverage.
If you already have drug coverage, you probably do not need to sign up for Medicare, Part D coverage. However, it is wise to check.
To learn more about Medicare Part D plans and choices that are best for you:
Contact Lorain County Office on Aging’s Benefits Counselors
at (440) 326-4800.