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Medicare i U.S. Department ofHealth and Human Services Health Care Financing Administration ' MedicareSavingsForYou topaythe20percentcoinsuranceforMedi- homeyoulivein,oneautomobile,burial care-covereddoctorbills. Youwill,how- plots,homefurnishings,p—ersonal Ifyouareelderlyandpoor ever,continuetoberesponsibleforpaying jewelryandlifeinsurance usuallydo ordisabledandpoor,your foritemsandservicesnotcoveredby SytoautremMeadyicpaaryeseoxmpeensoersa.llof cMaerdei,chaeraerisnugchaiadss,raonutdineeyepghlyassisceasl.s,dental 3. Y$6o0u1rpienrcmoomnetihn1fo9r93onmeuspterbseonleosrst$h8a0n6 FederaJlawrequiresthat Thesecondprogramiscalledthe"Specified permonthforacouple,exceptinAlaska StateMedicaidprograms Low-IncomeMedicareBeneficiary"or andHawaii. InAlaskatheincomelimits payMedicarecoststorcertainelderlyand "SLMB"program. Itisforpersonswhose are$745permonthforonepersonand disabledpersonswithlowincomesandvery incomesareslightlyhigherthanthenational $1,002permonthforacouple. In limitedassets. Youmightqualifyforthis povertylevel,butnotmorethan10percent Hawaiitheyare$690permonthforone aMsesdiisctaarnec.eevenifyouarenotentitledto htihgehSerL.MIBfyporuogqruaalmi,fythfeorStaastseisitsaonncleyurned-er pIenrcsoomneainndcl$ud9e2s5,pbeurtmiosnnotthlfiomritaecdoutop,le. quiredtopaythe$36.60monthlyPartB SocialSecuritybenefits,pensions,and Whatthismeansisthat,dependingonyour premiumforyou. Youwillcontinuetobe wages. Interestpaymentsanddivi- incomeandthevalueofthingsyouown, responsibleforMedicare'sdeductiblesand youmaynothavetopayanymoneyoutof coinsuranceandforchargesforhealthc ydeoduurctoiwbnlespoacnkdetcotii>nrsMuerdainccaer.e'Ysopurceomuiludms, =.notcoveredbvMedicare WThhaantTIfhMeyPoIvnerctoymeLeIvseSll?ightlyHigher savehundreds,itnotthousands,ofdollars HowDoIQualify? eachyear. IfyoudonotqualifyforQMBassistance TwoProgramsOfferHelp Tinhgeernuelreaslmtaerymsv,artyoqfuraolmifSytaftoeratossSitsattaencbuet, bbeecaabulseetyooguerthienlcpomuendiesrtotohehiSghL,MyBouprmoa-y undertheQMBprogram,youmustmeet gram. ToqualifyforSLMBassistance,you TherearetwoprogramsU<helppeoplepay thefollowingrequirements: mustmeetrequirementsoneandtwolisted tpac"cpbIpfhrooQroereecuyvionoikaenoegargelrsltrurtiMsuuaaosferqmrt.miidua.ha,eanibredlccieyIiceealMtotsoroeyiusansewdtnotsiwtdeoritocroxilrmandtplaa:erpestlndeennshlouarsieytcBtsesetisoMthponi.naeanaebnsdafvOlycilieeewncocshepiuuatoooattnrihvrsedpsoayeeeatfc"rpraytirMtolyhneetrlehcdmelie"doieirvmcQuQtoeeamhlMwM.sresBen,BI"t 1. YnckAbeHy1ohd2oaoomnt1semsupuo3picerhl.winkdmaotsiMuvwawoypsosliehnomtstterueIMtthtasbnnehthepseyetdieiueoideorroroucinnfaporatdynlaiorwocltfeneosnuelfocapietPa(acdroealePrewumrtaesSooteoproernetrlcMA.tnkcioeAitaa)tiodylEol.ltlrimvrelSceedd1e(eda-dInnocitf8rutodt0yinerof0Poooin-yaPtrtou7aroyt7trtud2htoA-eoAr, ampilaHpnibeeanumorrwdAsivsslatte$oosai.1nbnsia,ekr1oaItae0rlnnhe0$da$eas8y8nsdp$1d8edt1a8ir4h,rtH0eapmaia1neoo$wm6rn7n$aWo,p56imtnhey85iohtreo9.nphufrmteaorIeorhfrnmonimaorASfntoonlhcachrnaotoocutoshfumopknohluelrafepedofial.tpronehrIceo,e1oIroAnn9uesinpep9xonepl3cncele.opymt?e Medicare'sSh~hhospitaldeductibleorthe worklongenoughtoentitleyoutoPart dhaoislpyitcaoliannsdursakniclelecdhnaurrgseisnfgorfaecxiltietnydsetadys. A,yourStatemaybuyitforyou.) MlreydoiucaarlerePaadrythAaavendthink Additionally,youwillnothavetopaythe 2. Yourfinancialresourcessuchasbank youqualifyforeither 1993monthlypremiumof$36.60forMedi- accounts,stocksandbondscannot QMBorSLMBassistance, careMedicalInsurance(PartB)orthe$100 exceed$4,000foronepers—onor$6,000 annualPartBdeductible. Norwillyouhave foracouple. Somethings likethe tionforMedicaidataState,county, local — medicalassistanceoffice notaFederal office. Youcangetthetelephonenumber foryourmedicalassistanceofficebycalling 1-800-638-6833. Givetheoperatorthename ofyourStateandcounty. Explainthatyou wantthetelephonenumberforthenearest officethatcanhelpyoufileforassistance undereithertheQualifiedMedicareBenefi- ciaryorSpecifiedLow-IncomeMedicare Beneficiaryprogram. Ifyouthinkyouqualifyforthisassistance butdonothaveMedicarePartA,you shouldfirstcontactaSocialSecurityAdmin- istration(SSA)office. Youmayneedtofile anapplicationforPartA. Thetelephone numberandaddressforthenearestSocial SecurityAdministrationofficecanbefound inthetelephonebook. Ifyouneedhelpin gettingthisinformation,call1-800-772-1213. IfyouareentitledtoMedicareunderthe RailroadRetirementsystem,contactyour nearestRailroadRetirementBoardfield WhatDoIAskFor? Whenyoucontactyourmedicalassistance office,askabouttheQMB orSLMBpro- gramorthe"MedicareBuy-In"program. Explainthatyouthinkyouqualifyforhelp inpayingyourMedicarecostsandyouwant toknowwhenandwhereyoucanfilean applicationtorMedicaid. WhatShouldIBringWithMe? WhenyoufileanapplicationforMedicaid, bepreparedtoanswerquestionsaboutyour income,propertyyouown,andotherassets. Youwillbeexpectedtohavecopiesof recordssuchasbankstatements,property deeds,andinsurancepolicies,andother documentsthatshowthevalueofany resourcesyouown. Verificationofyour enrollmentinMedicarePartAandof yourincomeandassetswillbeimportant indeterminingyoureligibilityforassis- tance. Asyourapplicationisprocessed, youmayberequiredtogothroughaface- to-faceinterviewwithaMedicaidcase- worker. IfYourApplication Is Denied Ifyourapplicationforassistanceunder eithertheQMB orSLMB programis denied,youhavearighttoappealwithin 30daysofthedenial. Youfileanappealat theplaceyoufiledyourMedicaidapplica- tion. Youareguaranteedahearing. If youneedassistanceoradvice,youmay wanttocontactyourStateAgencyon Aging. Assistancealsomaybeavailable fromtheLegalAidorLegalServicesoffice inyourState. Theseofficesprovidefree legalservicestopeoplewhoseincomesare belowthepovertyline. Thetelephone numbersforallStateofficescanbefound inthetelephonedirectoryunder "State Government/' ForMore InformationAboutMedicare FormoreinformationabouttheMedicare program,pleaserefertoTheMedicare Handbook. Freecopiesareavailablefrom anySocialSecurityoffice. tAU.NS.DDHEUPAMRATNMESENRTVOICFEHSEALTH HealthCareFinancingAdministration Publication No. HCFA 02184 Revised 1993 ifU.S. GOVERNMENT PRINTINGOFFICE 1993: 342-236/80502