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MEDICARE POLICY PREMIUMS
MEDICARE SUPPLEMENT CORNER: SUPPLEMENT PLAN PREMIUM INCREASES
MEDICARE ADVANTAGE CORNER: EMERGENCY ROOM CHARGES
While Medicare Advantage plan premiums are the same for everyone and may change once a year, there are three ways that Medicare Supplement premiums may increase each year. 1. Premium Discounts Expire For example, a Supplement plan may offer a “new to Medicare” premium discount, which expires after the first year.
In an earlier issue of Lyn’s Ledger, we discussed why a Medicare beneficiary who receives emergency ground transportation or ambulance services should never pay — and is not responsible for — the full ambulance bill. In a similar fashion, anyone who is a Medicare Advantage plan member should only pay the emergency room copay for the plan they are on, not any other charges they may receive. In some hospitals, the ER physicians provide services and bill through a separate contracting agency, and sometimes a bill is sent directly to the patient for their services. This is confusing and unnecessary. Medicare Advantage members who receive emergency room services and then return home are responsible only for the plan- specific ER copay, which generally runs between $50–$90, depending on the plan. If ER services are received, followed by a hospital admission, the ER services are then considered part of the in-patient hospital stay, with no separate billing.
2. Age Ratings On the policyholder’s birthday or policy anniversary date, there may be an increase in premium.
3. General Rates Increase Subject to approval by the state Department of Insurance, the premium for everyone of all ages on a specific Supplement plan may be increased. Some companies’ premiums are better by comparison for those in their 60s, but for those in their 70s, other plans’ premiums may be more favorable. Contact Lyndon Thomas Insurance for a no-cost Supplement plan review if premium increases are starting to get to your pocketbook or if you have questions about your Medicare Supplement policy.
SUDOKU
SHRIMP SAUSAGE SKEWERS
1. Heat your grill to medium-high. 2. In a bowl, combine all ingredients for creole seasoning. 3. In a large bowl, combine the shrimp, zucchini pieces, and sausage pieces, and cover them with the olive oil. 4. Add creole seasoning and mix well until all ingredients are covered. 5. Load up skewers with alternating pieces of shrimp, sausage, and zucchini until they’re full. 6. Grill skewers until shrimp are well-cooked (6–8 minutes). Instructions
Ingredients
•
1/2 pound raw shrimp, peeled and deveined
• 1/2 pound cooked sausage, cut into 1-inch pieces • 2 zucchini, cut into 1/2-inch cubes • 2 tablespoons extra-virgin olive oil • Wooden skewers, soaked in water for 30 minutes Creole Seasoning Ingredients • 2 tablespoons paprika • 1/2 tablespoon garlic powder • 1/2 tablespoon onion powder • 1/2 tablespoon cayenne or chili powder • 1/4 tablespoon dried oregano • 1/4 tablespoon dried thyme
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