4B JUNE 29 - JULY 5, 2022 • SENIOR LIFE
Welcome To Medicare Plan for your best care
BY BARRY KLITSBERG specialsections@antonmediagroup.com
I
f there is one thing people look forward to as they approach their 65th year, it’s Medicare insurance for their healthcare needs. Medicare is a federally run health insurance program for people who are 65 years of age or have collected Social Security Disability for 24 months. It is also available for individuals with permanent kidney failure or Lou Gehrig’s Disease. Unless you are already collecting Social Security, you will get your Medicare card automatically in the mail. If you are not yet collecting Social Security, you have to apply for Medicare during the three month period before your 65th birthday. You may apply for Medicare by calling the Social Security Administration at 1-800-772-1213 or online at: www.ssa.gov/medicare. Medicare coverage can be confusing for the uninitiated, as there are various options. Choosing the right plan for you requires careful consideration. If you need help understanding or choosing a plan, Family and Children’s Association (FCA) can help guide you through the process with free help available by calling the Nassau County Health Insurance
have a terminal illness. For most people Medicare Part A is premium free. Medicare Medical Insurance (Part B) covers physician and other outpatient services. These services include doctor visits, hospital outpatient services, lab tests; physical, speech or occupational therapy; and durable medical equipment for use in the home. The standard Part B premium amount in 2022 is $170.10. Most people pay the standard Part B premium amount. If your modified adjusted gross income as reported on your IRS tax return from 2 years ago is above a certain amount, you’ll pay the standard premium amount and an Income Related Monthly Adjustment Amount (IRMAA). IRMAA is an extra charge added to your premium. Prescriptions are covered through Barry Klitsberg Medicare Part D when you elect Part B coverage. Medicare Part C You may opt for Information Counseling and Assistance Medicare Advantage plans rather than Program (HIICAP) at 516-485-3754. using Part B. Medicare Advantage offers There are four basic parts of Medicare: a variety of managed care plans includHospital Insurance (Part A) covers you as ing Health Maintenance Organizations an inpatient in a hospital or skilled nursing (HMOs) and Preferred Provider or rehabilitation facility, or for skilled Organizations (PPOs). These plans generhome care after a hospitalization. Medicare ally have a network of providers. Part A also can cover hospice care if you In an HMO you must use providers in
that network. If you join a PPO, you can go out of the network, but you will have a higher copayment for out-of-network services. Medicare Advantage plans generally cover prescription drugs as well, and frequently cover non-Medicare services such as vision, dental and hearing services. Medicare Part D is prescription coverage. There are 19 drug plans in New York State. These plans vary in premium cost and formularies. There are Medicare supplement plans known as Medigap. These are standardized plans that can fill most of the Medicare gaps such as deductibles and co-insurance. In order to best determine which type of plan works best for you, it pays to make a free call to the Nassau County Health Insurance Information Counseling and Assistance Program, HIICAP hotline. HIICAP has no affiliation with insurance companies, agents or brokers. Call 516-485-3754. Barry Klitsberg is an assistant Health Insurance Information Counseling and Assistance (HIICAP) coordinator at Family and Children’s Association in Garden City and an aging services program specialist at U.S. Department of Health and Human Services.
DOMINICAN VILLAGE DOMINICAN Offering Seniors The Ultimate Experience Our Person Centered Care with We are proud of VILLAGE our commitment Aging Place Philosophy offers & Assisted Living to seniors which embodies respect, Inin Independent seniors the ultimate experience in compassion and the opportunity for Independent & Assisted Living
a healthy, rewarding quality of life
Independent Living Special For A Limited Time ONE MONTH FREE!
Assisted Living Assisted Living All AllInclusive InclusiveServices Services Include: Include: ThreeMeals MealsDaily Daily Served •• Three Served Restaurant Style Restaurant Style CaseManagement Management Services •• Case Services •• Full FullHousekeeping Housekeeping Services Services •• Exercise ExercisePrograms Programs FullLaundry Laundry Services •• Full Service • Pastoral Care • Pastoral Care • Personal Care Aides - to assist • Personal Care Aides - to assist with with Activities of Daily Living Activities of Daily Living • Pet Therapy • Pet Therapy • Recreation & Activities • Recreation & Activities • Medication Management • Medication Management • 24 Hour Security & Emergency • 24-Hour Security & Emergency Pendant Pendant
Celebrating 30 Years!
When You’re Here, You’re Home
Independent Living Independent Living All AllInclusive InclusiveServices ServicesInclude: Include: Meals(Breakfast (Breakfast Dinner) •• Two Two Meals && Dinner) Served Restaurant Style Served Restaurant Style • Light Housekeeping •• Light Housekeeping Sunday Brunch •• Sunday PastoralBrunch Care •• Pastoral Care(except telephone All Utilities • All Utilities (except telephone & & cable box) • Recreation cable box) & Activities Basic Cable and Internet • Recreation &TV Activities Internet Access (wireless) •• Scheduled Transportation Transportation • Scheduled including Shopping Trips & Events including Shopping Trips & Events • Maintenance Services • Maintenance Services • Balcony (optional) • Balcony (optional) •• 24-Hour Emergency 24-HourSecurity Security&& Emergency Pendant Pendant
Call a Tour Today! 631.842.6091 Call forFor a Tour Today! 631.842.6091 565 Albany Avenue, Amityille, New www.dominicanvillage.org 565 Albany Avenue, Amityville, New York York ••www.dominicanvillage.org
230512 M