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Medicare
Q&A
I have Medicaid now
and will become eligible for Medicare next month. In reading the
materials that Medicare sent me, it says that I will be responsible for
Medicare premiums, deductibles and coinsurance. I can’t afford to pay
for these expenses – is there any help available? –L Dear L, Once you become eligible for Medicare, it will become your primary insurance and Medicaid will pay after Medicare. As secondary payer, Medicaid will pay your Medicare out-of-pocket costs and may pay for other services not covered by Medicare, such as dental care or personal care at home.Medicaid will also pay your Medicare Part B premium ($78.20 a month in 2005), but you may need to enroll in the Qualified Medicare Beneficiary Program (QMB) in addition to Medicaid. Generally, to keep your costs down, you should see doctors and other medical providers who accept Medicaid. If you go to a doctor who does not take Medicaid, you will have to pay the 20 percent Medicare coinsurance yourself. In addition, you should have Original Medicare (not a Medicare HMO) with Medicaid. If you join a Medicare HMO, Medicaid will not generally cover your HMO copayments, deductibles or premiums. Currently, Medicaid probably covers your prescription drugs, but that will change. If you have both Medicare and Medicaid, Medicaid drug coverage will end on December 31, 2005. At that time, people with Medicaid will be enrolled in the Medicare prescription drug benefit. If you do not choose and sign up for a Medicare prescription drug plan, you will be randomly assigned one. If you have Medicaid, you should receive a letter this fall detailing which plan you will be enrolled in if you do not choose one yourself before December 31, 2005. You should call 800-MEDICARE to make sure the plan you have been assigned covers the drugs you need and that the pharmacies you use regularly are part of that plan's network. If not, ask the counselor to help you enroll in a plan that does meet your needs. Note: As a rule, to be eligible for Medicaid, your monthly income must be less than $798 in 2005 ($1,070 for couples) and you must have little or no assets (savings and investments). Each state has its own method of determining eligibility depending on your age, family size, medical condition and financial situation. If you have high medical expenses, you may still qualify for Medicaid even if your income is higher. Call your state department of social services for more information.
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The Civil Rights of Students with
Hidden Disabilities Under Section 504 of the Rehabilitation Act of 1973
The U.S. Department of Education has a pamphlet examining the civil rights of students with hidden disabilities under Section 504 of the Rehabilitation Act. The introduction of the pamphlet states: "If you are a student with a
hidden disability or would like to know more about how students with
hidden disabilities are protected against discrimination by Federal law,
this pamphlet is for you." The pamphlet examines issues such as disabilities covered under Section 504, the responsibilities of Department of Education recipients in preschool, elementary, secondary and adult education, and how the needs of students with disabilities can be addressed. While this pamphlet came out a few years ago, it is still relevant today, especially with the new school year starting all across the country. To read the pamphlet on the Department of Education website, use the
following link:
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National Network of Libraries of
Medicine provides health information in multiple languages
The NNLM Multilingual Web site http://nnlm.gov/train/chi/multi.html includes many links to Web sites that include resources with more than one language, and then further down the page are language specific Web sites. Some that might be of special interest to you include:
In addition, the NNLM Mid-Continent Region has put together a Web site that provides access to health information based on racial and ethnic health concerns at http://nnlm.gov/mcr/resources/community/minority.html. Found on this Web site are links to pages of resources organized by the four nationally-designated racial and ethnic categories: African American, Latino American, Native American, and Asian American/Pacific Islander. Linking to the Latino American and Asian America pages will provide you with additional language resources.
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Dear Interested Party: The Medicare and Medicaid programs, signed into law 40 years ago on July 30, 1965, continue to play vital roles in our nation’s health insurance coverage system. As we approach the two programs’ shared anniversary, the Henry J. Kaiser Family Foundation is pleased to release interactive timelines that track their evolution and mark major developments in the programs. The two timelines, Medicare: A Timeline of Key Developments and Medicaid: A Timeline of Key Developments, feature one highlight from every five-year period in the history of each program — with a click you can access the full summary of developments from that five-year period. Within the summaries you will find links to related material, including reports and videos, providing more background information. The timelines also feature a sliding enrollment indicator so you can see how coverage under the programs has grown since 1965. We hope that the timelines are useful to you and we encourage you to share them with others. You can find information about adding links to the Medicaid and Medicare timelines to your website. The Henry J. Kaiser Family Foundation
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9/30/2005 mjg Ó2003 carmelo gonzalez webmaster@carmelogonzalez.com www.CarmeloGonzalez.com
Last updated on 07/19/2008