State Health Insurance Program (SHIP)
Trident Area Agency on Aging SHIP counselors provides accurate and objective health insurance information to help Medicare beneficiaries or their caregiver to make informed health coverage decisions and understand their related rights and protections.
Medicare is health insurance for people age 65 or older, under age 65 with certain disabilities and people of any age with End-Stage Renal Disease. There are four parts to Medicare Part A, Part B, Part C and Part D. The different parts of Medicare help cover specific services if you meet certain conditions. MyMedicare.gov is part of the Medicare.gov website. MyMedicare.gov is an optional, free, and secure site designed to help you check the status of your eligibility, enrollment, and other Medicare benefits. It also lets you access your claims information almost immediately after your claims are processed by Medicare and provides your preventive health information 24 hours a day, seven days a week.
“Medicare and You” handbook 2023
The “Medicare & You” handbook is mailed to all Medicare households each fall. It includes a summary of Medicarebenefits, rights, and protections; lists of available health and drug plans; and answers to frequently asked questions about Medicare. You can also view it online in many languages and versions. After reading the handbook if you have any questions, please call our SHIP Counselor for FREE, unbiased information on what is available to best fit your needs for 2023.
Low Income Subsidy (LIS) or “Extra Help”
Anyone who has Medicare can get Medicare prescription drug coverage. Some people with limited resources and income also may be able to get Extra Help to pay for the costs—monthly premiums, annual deductibles and prescription co-payments—related to a Medicare prescription drug plan. The Extra Help is estimated to be worth about $4,000 per year. Many people qualify for these important savings and don’t even know it.
Some people are automatically eligible for the LIS: if you are on Medicaid or receive Social Security Income. Or if you get help from the state Medicaid program paying your Part B premium (in a Medicare Savings Program).
Help Stop Medicare Fraud
Last year alone, Medicare lost billions of dollars to improper claims. This affects beneficiaries by wasting Medicare money that could be used to increase and improve health care services AND it affects everyone who pays by wasting billions of taxpayer dollars.
To help prevent Medicare from losing valuable funds, and to prevent inappropriate care, it is important to report all suspected instances of error, fraud and abuse and instruct all Medicare beneficiaries on the following dos and don’ts.
- Keep record of the dates of Medicare services received
- Review your Medicare Summary Notice (MSN)
- Did you receive the service or the product?
- Did the doctor order this service or the product or test?
- Were you billed for the same service more than one time?
- Is the charge or service related to your condition or treatment?
- Give out your Medicare number except to your doctor or other Medicare provider
- Accept “free” medical or other services in exchange for your Medicare or Social Security number
- Give your Medicare number to callers or door-to-door solicitors (Medicare does not call or go door-to-door)
Your Medicare Rights
If you have Medicare, you have basic rights and protections that include the following:
- To be treated with dignity and respect at all times
- Be protected from discrimination
- Get information about Medicare that you can understand to help you make health care decisions
- Have your questions about the Medicare Program answered
- Receive culturally competent services
- Learn about all of your treatment choices in clear language that you can understand
- Appeal a healthcare decision or report a complaint
State Health Insurance Program/Senior Medicare Patrol Volunteer
Become a State Health Insurance Volunteer and help Medicare and Medicaid beneficiaries avoid, detect, and prevent health care fraud. As a volunteer you will provide unbiased, personalized counseling about Medicare, including Medicare benefits and rights, billing problems, health and prescription coverage options and enrollment assistance. SHIP staff and their highly trained volunteers conduct outreach to Medicare beneficiaries in their communities through group presentations, exhibiting at community events, and one-on-one counseling. Their primary goal is to teach Medicare beneficiaries how to protect their personal identity, identify and report errors on their health care bills and identify deceptive health care practices, such as illegal marketing, providing unnecessary or inappropriate services and charging for services that were never provided. Call us at 843-554-2275 or email [email protected].