Medicare supplement and part D Quotes
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Medicare overview - Senior Plans By Phone
Medicare Overview

You can learn more about Medicare at www.medicare.gov, which is the official site of the Center for Medicare and Medicaid Services (the agency that administers Medicare). You can also use this site to apply for Medicare online.

Please click here for a copy of Medicare & You 2015, which is the official government handbook with information about Medicare.  This handbook is updated annually and sent to Medicare beneficiaries in late September.  We find that many beneficiaries do not keep or look at their copy when they receive it and strongly recommend that this be kept for reference during the year and replaced with the current version when it is received each September. Major sections are:

Medicare Part B premiums for 2015 are $104.90 (unchanged from 2014), and the Part B deductible also remains unchanged from 2014 at $147 (Part B coinsurance remains at 20%).  However, there are small changes for Part A:  The deductible increases to $1260 per benefit period (from $1216 in 2014) and copays starting the  60th day as well as copays for lifetime reserve days and skilled nursing care starting the 21st day are also increased slightly.

Individuals filing single returns with income over $85,000 and joint filers with income over $170,000 for 2013 pay additional premiums in 2015 both for Part B premiums and Part D Prescription Drug plans (adjustments are made for BOTH stand-alone Part D plans as well as Part D plans included in Medicare Advantage plans even if there otherwise would be no premium for the MAPD plans).  Adjustments (called the Income Related Monthly Adjustment Amount or IRMAA) for 2015 will be made based on income reported in 2013 tax returns. Please click here for additional details about the IRMAA for Part B premiums  and here for the IRMAA for Part D premiums

You may qualify to save money on health care and/or drug costs if you are eligible for any of these programs.


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