MedicareADRC Your Unbiased Medicare Expert
You’ve paid into the Medicare trust fund during your working life. Once you start on Medicare you will pay a premiums and may have co-pays. These costs vary depending on the Medicare program you select. Medicare is administered by CMS who contracts with private insurers who offer Medicare Advantage and Medigap Plans.
Medicare Enrollment due to Loss of Employer Health Coverage
If you have lost your group health coverage due to a job loss, layoff, or furlough and had put off enrolling into Medicare or declined Medicare Part B you should explore requesting those benefits now. It will not only give you health coverage but help you to avoid penalties in the future.
Individuals who were covered under a group plan due to active employment or employment of a family member have a special eight month enrollment period to request Medicare Part A and/or Part B through the Social Security Administration (SSA). SSA has put together instructions see this Special Medicare Enrollment flyer.
Call a Benefit Specialist at the ADRC (920) 448-4300 with questions or for more information.
The ADRC is your unbiased Medicare expert.
In-person workshops are cancelled at this time.
ABCD’s of Medicare: Learn about the full scope of the Medicare program; including different parts of Medicare, enrollment informaiton, and coverage options.
Medicare Tools: Managing your Benefits On-line: Learn about on-line tools available to navigate and manage your Medicare benefits. Individual assistance is available after each session and other times by appointment.
On-line Workshops – Available Anytime
The following workshops are available on-line at your convenience. Click the titles below to open and view the workshop of your choice. Viewing them in order is recommended.
Coverage Choices such as original Medicare and Medicare Supplement or Medigap Insurance.
We Take the Mystery out of Medicare
Medicare is complicated. ADRC staff and specially trained volunteers are here to answer your questions and take the mystery out of Medicare. Below are a few sample questions.
I’m 65 still working and have coverage with my employer, am I required to sign-up for Medicare?
I am about to turn 65 and am getting a lot of mail from insurance companies.
There are many Medicare health plans to choose from. The ADRC does not sell insurance. We do provide unbiased information about your Medicare options.
Attending one of our Medicare workshops (see above) provided monthly throughout the year will help you understand how Medicare works so you can make an informed decision about the plan that will work best for you.
Do I have choice in selecting Medicare coverage options?
Medicare coverage options can be confusing. This very basic Medicare Coverage: Your Options Chart illustrates your options. Call us 920-448-4300 we will explain the details of how each option works.
My Medicare coverage is expensive, is there a way to save money?
Medicare Money Savings Programs
Below is a short description of some plans that can help reduce the cost of Medicare. ADRC is your best source to determine if you qualify and how to apply.
Medicare Savings Program
At the low end this program pays for Part B premiums at the high end it pays Part A and B premiums along with deductibles and coinsurance for original Medicare. Eligibility is subject to gross income and asset requirements. This Medicare Savings Program flyer has more information.
Prescription drug assistance program for Wisconsin residents age 65 or older who meet enrollment requirements. It can be used to meet Medicare’s drug coverage requirement or with other Medicare drug plans to lower medication costs. Annual growth income used to determine eligibility and coverage. Go to www.dhs.wisconsin.gov/seniorcare or call an ADRC Benefit Specialist to learn more or pick up an application at ADRC.
Extra Help (Low Income Subsidy-LIS)
It can help pay premiums, deductible, and co-pays for prescription medications. Income and resource limits apply. Limits change annually. Medicaid recipients are automatically eligible but others are encouraged to apply.
Go to www.ssa.gov/benefits/medicare/prescriptionhelp to apply.
Patient Assistance Program
Offered by pharmaceutical companies to help eligible patients purchase costly medications. Not all medications have assistance programs. Programs have financial and coverage restrictions. A portion of the application will need to be completed by the prescribing physician. To see if you medication has an assistance program search by the med name on these sites: www.needymeds.org or www.goodrx.com
Medicare & You Booklet
medicare.gov/medicare-and-you Provided by CMS annually to all Medicare participants this booklet gives a lot of valuable information about Medicare. Find the booklet in different formats, i.e.: audio, electronic, and languages other than English.