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Baby Boomers Confused About Medicare, According To Recent NAIC Survey
The first waves of
baby boomers turn 62 this year and begin claiming Social Security benefits.
And, according to new research from the National Association of Insurance
Commissioners (NAIC), many are confused about their post-retirement health
insurance options, including their Medicare eligibility.
The NAIC's national survey of 377 baby boomers -- Americans born
between 1946 and 1964 -- found that only 36 percent correctly knew that
Medicare eligibility begins at age 65. Twenty-one percent thought Medicare
coverage began at age 62; 9 percent said age 67; 6 percent said age 59 1/2;
and 28 percent said they were unsure of the age.
The NAIC survey also found:
-- A large majority of baby boomers -- 84 percent -- said that access to
health insurance was important when choosing a retirement date.
-- However, only 43 percent said that Medicare eligibility was an
important factor in determining when they would retire.
-- But nearly half -- 48 percent -- said they expected to use Medicare to
cover their healthcare needs during retirement. This number increased
to 57 percent among older baby boomers, those 55-62 years of age.
The NAIC survey also revealed a considerable lack of familiarity with
Medicare's coverage options. Sixty-six percent of respondents said they
were "not very familiar" or "not at all familiar" with options such as
Medicare Part B, Medicare Advantage plans, Medicare prescription drug
coverage and Medicare supplement (Medigap) insurance. This number jumped to
72 percent among younger baby boomers, those 44-54 years of age.
A high level of concern about Medicare's viability also added to the
confusion. Eighty-two percent of those surveyed said they were concerned
that future funding for Medicare might not be sufficient to provide the
healthcare services they anticipate needing throughout their retirement.
"Clearly, there is much confusion and concern among baby boomers
regarding their future access to Medicare," said NAIC President and Kansas
Insurance Commissioner Sandy Praeger. "Many boomers incorrectly think
Medicare coverage is available at age 62, when they initially become
eligible for Social Security benefits. With growing concerns about health
insurance costs and access, these aging members of our society need to be
better educated about Medicare's timing and entitlements so that they can
make informed retirement decisions."
The NAIC offers tips and considerations through its public education
program, Insure U - Get Smart About Insurance, at http://www.insureUonline.org.
Understanding the Basics of Medicare
Medicare is the largest health insurance program in the nation,
covering more than 40 million Americans. The federally funded program is
available to Americans 65 years of age and older, regardless of their
eligibility for Social Security retirement benefits.
Some Americans younger than 65 may qualify for Medicare, depending on
their physical health. For example, those who are disabled may be eligible
before reaching their 65th birthday.
Medicare is divided into four parts, each with different coverage
options, including hospital insurance (Part A), medical insurance (Part B),
Medicare Advantage (Part C) and prescription drug coverage (Part D).
Although many Americans do not pay a monthly premium for Medicare Part A,
individuals seeking additional coverage options under Parts B, C and D
typically pay a monthly premium.
"Baby boomers need to get smart about their health insurance needs when
planning for retirement," said NAIC Executive Vice President and CEO
Catherine J. Weatherford. "Consumers should take the time to familiarize
themselves with Medicare by visiting the federal government's Web site,
http://www.medicare.gov. We also encourage baby boomers to visit the NAIC's Insure
U Web site, http://www.insureUonline.org, to get additional information on their
health insurance needs."
Ten Tips Regarding Health Insurance and Retirement from the NAIC
1. Plan ahead for your retirement health insurance needs. Americans are
eligible for Medicare at age 65, so take this into consideration if you
plan to retire at an earlier age.
2. If you plan to retire from your job before the age of 65 and are not
eligible for Medicare, check to see if you are eligible for COBRA
(Consolidated Omnibus Budget Reconciliation Act). COBRA is a federal
law that typically entitles you to continue your employer's health
insurance coverage for up to 18 months. Check with your state insurance
department to learn about COBRA laws in your state.
3. If you are not eligible for COBRA, you might want to consider a
catastrophic or high-deductible medical plan, which typically carries
lower premiums than other individual policies. Keep in mind that people
with serious pre-existing health problems -- such as heart disease,
diabetes or multiple sclerosis -- typically cannot get catastrophic
health insurance.
4. Before you become eligible for Medicare, you might want to consider
purchasing a major medical plan to cover doctors' visits, drugs and
hospital care. These plans, which can vary in costs and medical
benefits, include indemnity plans, preferred provider organization
(PPO) plans, health maintenance organization (HMO) plans and point-of
service (POS) plans.
5. Take time when researching individual health insurance plans and learn
what kind of policies will provide the coverage you need - then pick
the one best for you. Shop around and ask a lot of questions. To avoid
purchasing a fraudulent health insurance plan, call your state
insurance department and find out whether the insurance agent and
company are licensed in your state. Information about how to contact
your state insurance department can be found on the NAIC Web site,
http://www.naic.org/state_web_map.htm.
6. If you are 65 years of age or older and will be using Medicare as your
primary health insurance, make sure you understand the different
coverage options available to you. When enrolling, you will need to
decide whether you want traditional Medicare or a Medicare Advantage
plan. Before purchasing a Medicare Advantage plan, find out which
hospitals and doctors are in-network.
7. When enrolling in Medicare, you might want to consider purchasing a
separate Medicare supplement (Medigap) insurance policy to pay for
medical/hospital expenses and deductibles not covered by Medicare.
Contact Medicare, http://www.medicare.gov, for a list of approved Medicare
supplement (Medigap) insurance providers.
8. When choosing Medicare options, you might also want to consider
enrolling in prescription drug coverage (Medicare Part D), which will
help pay for the cost of medications prescribed by your doctor during
treatment. Keep in mind, if you choose to waive this coverage during
enrollment, but enroll at a later date, you will pay a penalty fee.
9. Be wary of health discount cards. Discount cards are not insurance! If
you are considering the purchase of a health discount card, investigate
whether company is legitimate and whether any complaints have been
filed against them. Also research what types of services the discount
card covers and whether your physician/dentist accepts the discount
card. Contact your state insurance department, attorney general's
office and/or Better Business Bureau for more information.
10. Consider purchasing long-term care coverage. This type of insurance
covers the cost of services for nursing homes, assisted-living
facilities and in-home caregivers when individuals are unable to
perform activities of daily living - such as eating, dressing and
bathing. However, long-term care insurance isn't for everyone. If you
are currently receiving Social Security or expect to have minimal or
no retirement savings, you will likely qualify for state aid and
should not purchase long-term care insurance. Be wary of advertising
that suggests Medicare is associated with a long-term care policy.
Medicare does not endorse or sell long-term care insurance.
ABOUT THE NAIC
Headquartered in Kansas City, Missouri, the National Association of
Insurance Commissioners (NAIC) is a voluntary organization of the chief
insurance regulatory officials of the 50 states, the District of Columbia
and five U.S. territories. The NAIC's overriding objective is to assist
state insurance regulators in protecting consumers and helping maintain the
financial stability of the insurance industry by offering financial,
actuarial, legal, computer, research, market conduct and economic
expertise. Formed in 1871, the NAIC is the oldest association of state
officials. For more than 135 years, state-based insurance supervision has
served the needs of consumers, industry and the business of insurance
at-large by ensuring hands-on, frontline protection for consumers, while
providing insurers the uniform platforms and coordinated systems they need
to compete effectively in an ever-changing marketplace. For more
information, visit NAIC on the Web at: http://www.naic.org/press_home.htm.
National Association of Insurance Commissioners
http://www.naic.org
Baby Boomers confuz despre Medicare, în funcþie de sondaj recent NAIC - Baby Boomers Confused About Medicare, According To Recent NAIC Survey - articole medicale engleza - startsanatate