KJLiberty Insurance Solutions

Here's a good article about choosing medicare plans from USA Today. If you need help choosing a plan, let me help you. Note: I do not offer every plan available in your area. Any information I provide is limited to those plans I do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
https://www.msn.com/en-us/money/personalfinance/when-does-medicare-open-enrollment-take-place-here-s-what-to-know-when-picking-your-plan/ar-AA12L1FM?cvid=5a4a1fae2a2240db9bb5ed1116ee0b06

From Medicare: Open Enrollment is almost here! Remember, you can preview plans now, and make any changes starting October 15.

Trying to decide whether to stay on your current plan or choose a new plan for next year? Even if you're happy with your current plan, it's important to check for any changes next year, and compare with other available plan options. You may even find plans that save you money!
New for people with Medicare taking insulin: Starting January 1, 2023, plans can't charge you more than $35 for a one-month supply of each Medicare Part D-covered insulin you take, and can't charge you a deductible for insulin. If you get a 60- or 90-day supply of insulin, your costs can't be more than $35 for each month's supply of each covered insulin. Learn more about the changes to insulin costs.
Please PM me if you have any questions.

Each year from October 15 - December 7, you can compare plans and make sure you have the right coverage for your needs.
By comparing plans, you may find lower premiums and lower prescription drug costs. Some plan premiums are as low as ZERO! During Open Enrollment, you can also do things like:
Change from Original Medicare to a Medicare Advantage Plan
Change from a Medicare Advantage Plan back to Original Medicare
Switch between Medicare Advantage Plans
Get Medicare drug coverage if you don't already have it, or switch drug plans
PM me for more information.

.Please note that I do not offer every plan available in your area. . Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options

If you have a Medicare Advantage plan and are concerned about the out-of-pocket costs, especially the inpatient hospitals costs, this a a great policy to add to give you peace of mind regarding out of pocket costs. PM me for more information.

Advantage Plus Elite - Consumer Video The best is now even better with GTL's Advantage Plus Elite Hospital Confinement Indemnity Insurance! Advantage Plus Elite is designed to fill some of the…

From Medicare:
It's especially important to stay up to date on your vaccines. Vaccines protect you from serious illness and can even keep you out of the hospital.

Talk with your doctor about which vaccines may be right for you, many of which Medicare covers:

COVID-19 vaccines and booster shots. Staying up to date with your COVID-19 vaccines (including getting all recommended boosters when eligible) will keep you best protected from severe COVID-19 illness.
One flu shot per flu season. The CDC recommends getting your flu shot by the end of October to stay protected throughout flu season.
Two different pneumococcal shots. Medicare covers the first shot at any time and a different, second shot if it's given at least one year after the first shot.
Visit Medicare.gov to see what other vaccines Medicare covers, and talk with your doctor about staying up to date on your vaccines.

If your income for 2022 is below $18,600 ($25,000 for married couples), you may be able to get help from your state paying your monthly Medicare premiums and other out-of-pocket Medicare costs, including prescription drug costs.

Medicare has 4 savings programs, which are run by each state. These programs may help you pay for your Medicare premiums, and, in some cases, your deductibles, coinsurance, and copayments if you meet certain conditions.

BREAKING NEWS: The Centers for Medicare & Medicaid Services is providing equitable relief to individuals who could not submit premium-Part A or Part B enrollment or disenrollment requests timely due to challenges contacting us by phone. This relief applies to the 2022 General Enrollment Period, Initial Enrollment Period, and Special Enrollment Period.



If you were unable to enroll or disenroll in Medicare because you could not reach us by phone after January 1, 2022, you will be granted additional time, through December 30, 2022.

Next round of free tests sent to your home at no-cost are now available.
https://www.covidtests.gov/?fbclid=IwAR2d2Sows3atRO4Qu6OeWmdiv515DZYnQEMOw-pyarFKVEzQG-YFVU82Idc

COVIDtests.gov - Free at-home COVID-19 tests Every home in the U.S. is eligible to order 4 free at-⁠home COVID-⁠19 tests. If you haven’t already, order yours today. Starting this week, every home in the U.S. will be able to order an additional set of 4 tests.

https://www.covidtests.gov/?fbclid=IwAR1sW1_HcJxCHSLsgrhdsOqq9weUWQNJC9lu3hPXXnANQxEfoshNvg2PEPQ

COVIDtests.gov - Free at-home COVID-19 tests Every home in the U.S. is eligible to order 4 free at-home COVID-19 tests. The tests are completely free. Orders will usually ship in 7-12 days.

SCAM ALERT
The Social Security Administration will never threaten, scare, or pressure you to take an immediate action.

If you receive a call, text, or email that...
cell phone image

Threatens to suspend your Social Security number, even if they have part or all of your Social Security number
Warns of arrest of legal action
Demands or requests immediate payment
Requires payment by gift card, prepaid debit card, internet currency, or by mailing cash
Pressures you for personal information
Requests secrecy
Threatens to seize your bank account
Promises to increase your Social Security benefit
Tries to gain your trust by providing fake "documentation," false "evidence," or the name of a real government official..it is a SCAM!
Do not give scammers money or personal information – Ignore Them!

Protect yourself and others from Social Security-related scams
Try to stay calm. Do not provide anyone with money or personal information when you feel pressured, threatened, or scared.
Hang up or ignore it. If you receive a suspicious call, text, or email, hang up or do not respond. Government employees will not threaten you, demand immediate payment, or try to gain your trust by sending you pictures or documents.
Report Social Security-related scams. If you receive a suspicious call, text, or email that mentions Social Security, ignore it and report it to the SSA Office of the Inspector General (OIG). Do not be embarrassed if you shared personal information or suffered a financial loss.
Get up-to-date information. Follow SSA OIG on Twitter and Facebook Office of the Inspector General for the latest information on Social Security-related scams. Visit the Federal Trade Commission for information on other government scams.
Spread the word. Share your knowledge of Social Security-related scams. Post on social media using the hashtag to share your experience and warn others. Visit oig.ssa.gov/scam for more information. Please also share with your friends and family.
Report a Scam

Office of the Inspector General (SSA) The OIG is directly responsible for meeting the statutory mission of promoting economy, efficiency, and effectiveness in the administration of SSA programs and operations and to prevent and detect fraud, waste, abuse, and mismanagement in such programs and operations.

https://www.cms.gov/newsroom/fact-sheets/2022-medicare-parts-b-premiums-and-deductibles2022-medicare-part-d-income-related-monthly-adjustment

2022 Medicare Parts A & B Premiums and Deductibles/2022 Medicare Part D Income-Related Monthly Adjustment Amounts | CMS On November 12, 2021, the Centers for Medicare & Medicaid Services (CMS) released the 2022 premiums, deductibles, and coinsurance amounts for the Medicare Part A and Part B programs, and the 2022 Medicare Part D income-related monthly adjustment amounts. Medicare Part B Premium and Deductible

Great article! When deciding your choices, please consult a professional! https://katiecouric.com/health/how-to-choose-the-medicare-advantage-plan-thats-right-for-you/?utm_source=Sailthru&utm_medium=email&utm_campaign=WUC_Weekend&utm_term=all_users

How to Choose Your Medicare Advantage Plan Since picking a Medicare plan can be complicated, here are some crucial elements to consider when making a decision during open enrollment.

https://www.nbcnews.com/politics/white-house/social-security-checks-going-5-9-percent-highest-increase-decades-n1281414

Social Security checks going up by 5.9 percent, the highest increase in decades About 64 million people who receive Social Security benefits will begin to receive a bigger check from the federal government in January.

Are you turning 65 or new to Medicare?

You have Medicare questions. I can help.

Now is a great time to see what Medicare coverage is available. Call me today!

A message from your local agent

A message from your local agent

Looking for a fun way to stay healthy? Get up and dance!

COVID-19 vaccines are becoming more available for people over 65. Each state has its own plan for deciding who they'll vaccinate first, and how residents can get vaccines. Contact your local health department for more information about vaccines in your area. You can also visit CDC.gov for information on vaccine distribution in your state, and for answers to common vaccine questions.

Visit CDC.gov

Medicare Part B covers the COVID-19 vaccine, so there's no cost to you. When you go to get your vaccine, make sure to bring your Medicare card, so the vaccine provider can bill Medicare.

Remember: Stopping the COVID-19 pandemic is going to take all the tools in our toolbox. Along with getting vaccinated, it's important to keep washing your hands, wearing a mask, and social distancing.

Hy-Vee is now administering COVID-19 vaccines for people in Stage 1A and 1B. https://www.pjstar.com/story/news/coronavirus/2021/01/26/four-pharmacies-peoria-taking-appointments-covid-19-vaccinations-vaccine/4267290001/

Four pharmacies in Peoria are taking appointments for COVID-19 vaccinations Two Hy-Vee pharmacies and two Walgreens locations will be doing COVID-19 vaccinations.

Remember: Medicare covers the COVID-19 vaccine, so there will be no cost to you when it becomes available.

Help fight Medicare fraud
Note
Medicare covers the COVID-19 vaccine at no cost to you, so if anyone asks you to share your Medicare Number or pay for access to the vaccine, you can bet it’s a scam.

Here’s what to know:

You can’t pay to put your name on a list to get the vaccine.
You can’t pay to get early access to a vaccine.
Don’t share your personal or financial information if someone calls, texts, or emails you promising access to the vaccine for a fee.
Con artists may try to get your Medicare Number or personal information so they can steal your identity and commit Medicare fraud. Medicare fraud results in higher health care costs and taxes for everyone.

Protect yourself from Medicare fraud. Guard your Medicare card like it’s a credit card. Remember:

Medicare will never contact you for your Medicare Number or other personal information unless you’ve given them permission in advance.
Medicare will never call you to sell you anything.
You may get calls from people promising you things if you give them a Medicare Number. Don’t do it.
Medicare will never visit you at your home.
Medicare can’t enroll you over the phone unless you called first.

Learn more tips to help prevent Medicare fraud.

Check regularly for Medicare billing fraud. Review your Medicare claims and Medicare Summary Notices for any services billed to your Medicare Number you don’t recognize.

Learn more about how to spot fraud.

Report anything suspicious to Medicare. If you suspect fraud, call 1-800-MEDICARE.

It's flu season. Now's the time to get your flu shot, if you haven't already. The flu shot is the best way to help keep you from getting the flu, and it also helps protect those around you.

Once per flu season, flu shots are covered for people with Medicare, when you get it from your doctor, pharmacy, or other health care provider that accepts Medicare or your Medicare plan

It's more important than ever that we all do our part to reduce the spread of illnesses like the flu. The flu can be very serious, especially for older adults who are at higher risk of severe complications from the virus. Practice healthy habits this flu season, like avoiding close contact with sick people and washing your hands frequently, to help slow the spread.

The flu can be very serious, especially for people who are 65 years and older. This flu season, protect yourself and your loved ones by getting the flu shot. It's the best way to help keep you from getting sick and spreading the virus to others.

Medicare covers the flu shot when you get it from a health care provider that accepts Medicare or your Medicare plan.

You can safely get the flu shot at multiple locations, like doctor's offices and pharmacies. These locations should be following CDC guidance to ensure you have a safe place to get vaccinated. This includes asking patients to wear a face covering and practice social distancing.