Weather
The Pine Tree, News for Calaveras County and Beyond Weather
Amador Angels Camp Arnold Bear Valley Copperopolis Murphys San Andreas Valley Springs Moke Hill/West Point Tuolumne
News
Business Directory
Weather & Roads
Sports
Real Estate
Search
Weekly & Grocery Ads
Entertainment
Life & Style
Government
Law Enforcement
Business
Wine News
Health & Fitness
Home & Garden
Food & Dining
Religion & Faith
Frogtown USA
Legal Notices
Calendar
Polls
Columns
Free Classifieds
Letters to the Editor
Obituaries
About Us

Coming Soon...
Sunday, May 20
All Day Calaveras County Fair & Jumping Frog Jubilee May 17-20
All Day Calaveras County Fair & Jumping Frog Jubilee Sunday May 20, 2018 Frog Jump Finals Day!
11:00 AM Sunday Funday at Ironstone Vineyards
11:00 AM Guided Tours of Ironstone Vineyards
11:00 AM Town Tours of Columbia State Historic Park
Wednesday, May 23
11:00 AM Guided Tours of Ironstone Vineyards
05:00 PM Calaveras County Financial Leadership Forum is May 23rd
Thursday, May 24
11:00 AM Guided Tours of Ironstone Vineyards
Friday, May 25
09:00 AM 2nd Annual Peddlers' Faire
11:00 AM Guided Tours of Ironstone Vineyards
05:30 PM Friday Night Music at Alchemy
06:00 PM Cooking Class at Marisolio Tasting Bar- Aloha Friday Hawaiian
Saturday, May 26
All Day 5th Annual Chaw’se Day Presented by Jackson Rancheria Band of Miwuk Indians
Until 04:00 PM 2nd Annual Peddlers' Faire
11:00 AM Guided Tours of Ironstone Vineyards
11:00 AM Town Tours of Columbia State Historic Park
Sunday, May 27
All Day 5th Annual Chaw’se Day Presented by Jackson Rancheria Band of Miwuk Indians
11:00 AM Guided Tours of Ironstone Vineyards
Wednesday, May 30
11:00 AM Guided Tours of Ironstone Vineyards
01:00 PM Human Trafficking 101: Dispelling the Myths
Thursday, May 31
11:00 AM Guided Tours of Ironstone Vineyards
Friday, Jun 1
11:00 AM Guided Tours of Ironstone Vineyards
05:30 PM Friday Night Music at Alchemy
Saturday, Jun 2
10:00 AM Old Timers Museum Walking Tours Are Every Saturday at 10am.
11:00 AM Guided Tours of Ironstone Vineyards
11:00 AM Town Tours of Columbia State Historic Park

Search Announcements




Log In
Username

Password

Remember Me



Posted by: thepinetree on 09/07/2017 04:20 PM Updated by: thepinetree on 09/07/2017 04:20 PM
Expires: 01/01/2022 12:00 AM
:

Two Ways to Get Your Medicare Benefits ~ By Greg Dill

San Francisco, CA...At a family reunion last month, my Aunt Abby and Uncle Glen got into a squabble over the best way to get their Medicare benefits. Uncle Glen is an Original Medicare man, and has been for nearly a decade. Aunt Abby prefers Medicare Advantage, which is similar to a health plan she had before enrolling in Medicare last spring. When they turned to me, asking me to referee and declare which form of Medicare is better, I gave them a big smile and answered, “Well, it depends.”




Original Medicare and Medicare Advantage have different benefits and costs that you should consider based on your personal needs. So grab a cool drink and I’ll go over some of the differences. Medicare open enrollment season runs from Oct. 15 to Dec. 7, and it’s a good idea to know how the two types of Medicare work before you select one.

With Original Medicare, you can choose any doctor, hospital, or other healthcare provider you want, as long as they accept Medicare. When you receive medical services or goods, Medicare pays the provider directly. About 70 percent of all people with Medicare have Original Medicare.

The other way to get your benefits is Medicare Advantage, which is a form of managed care, like an HMO or PPO. Medicare Advantage is provided by private insurance companies approved by Medicare. If you’re in Medicare Advantage, you generally must go to doctors and other providers in the company’s network.

If you go outside the network, you may have to pay more.

On the other hand, Medicare Advantage plans may offer some services – such as dental, hearing, vision, and prescription drug coverage – that Original Medicare doesn’t.

Most people with Original Medicare pay a monthly premium. If you’re in Medicare Advantage, you may pay an additional monthly premium to the private insurer that covers you.

With Original Medicare, you or your supplemental insurance must pay deductibles, co-pays, and coinsurance.

To cover these “gaps” in Medicare, some people buy a type of supplemental insurance called Medigap. If you have a Medigap policy, Medicare pays its share of the covered costs, and then your Medigap policy pays its share.

Original Medicare doesn’t cover prescription drugs. If you want drug coverage, you can buy a Medicare Part D plan. Such plans are sold through private companies approved by Medicare. You have to pay an additional monthly premium for Part D.

Medicare Advantage companies must cover all of the services that Original Medicare covers. (However, Original Medicare covers hospice care, some new Medicare benefits, and some costs for clinical research studies, even if you’re in a Medicare Advantage plan.) In all types of Medicare Advantage plans, you’re always covered for emergency and urgent care.

You can join a Medicare Advantage plan even if you have a pre‑existing condition -- except for End-Stage Renal Disease. People with ESRD usually are covered through Original Medicare.

Keep in mind that Medicare Advantage plans can charge different out-of-pocket amounts and have different rules for how you get service.

For example, you may need a referral to see a specialist. And you may need to stay in the plan’s provider network, unless you’re willing to pay more to go outside the network.

You should always check with the plan before you get a service to find out whether it’s covered and what your costs may be. If the plan decides to stop participating in Medicare, you’ll have to join another Medicare health plan or return to Original Medicare.

How can you decide whether Original Medicare or Medicare Advantage is better for you?

There’s a good comparison of Original Medicare and Medicare Advantage in the “Medicare & You” handbook. “Medicare & You” is mailed to all Medicare beneficiaries every fall. You can also find it online, at https://www.medicare.gov/medicare-and-you/medicare-and-you.html.

If you have any questions, call Medicare’s toll-free number, 1-800-MEDICARE.

Greg Dill is Medicare’s regional administrator for Arizona, California, Hawaii, Nevada, and the Pacific Territories. You can always get answers to your Medicare questions by calling 1-800-MEDICARE (1-800-633-4227).


Comments - Make a comment
The comments are owned by the poster. We are not responsible for its content. We value free speech but remember this is a public forum and we hope that people would use common sense and decency. If you see an offensive comment please email us at news@thepinetree.net
Pajama Boys in Safe Spaces.
Posted on: 2017-09-07 16:45:43   By: Anonymous
 
This guy just reeks of Canadian.

[Reply ]


What's Related
These might interest you as well
Local News

Calendar

phpws Business Directory

Photo Albums

RSS News Feeds

Web Pages


Mark Twain Medical Center
Meadowmont Pharmacy
Bank of Stockton
Bear Valley Real Estate
Bear Valley Cross Country
Cedar Creek Realty
Cave, Mine & Zip Lines
Fox Security
Bistro Espresso
Pinnacle Physical Therapy
Chatom Winery
Middleton's Furniture
Bear Valley Mountain Resort
Paul D. Bertini
Premier Properties
High Country Spa & Stove

Ebbetts Pass Scenic Byway
Sierra Logging Museum
Calaveras Mentoriing
Jenny's Kitchen

Copyright © The Pine Tree 2005-2018