New Medicare Cards

New Medicare Cards Are Coming

New Medicare cards are in the works for all Medicare eligible beneficiaries. New cards will be mailed between April 2018 and April 2019 to the address Medicare has on file for you. If you have moved or have a change of address, visit your online Social Security account at My Social Security Account.  MWG Senior Services is available to help guide you through your transition to the new Medicare card.

What does a new Medicare card mean for you?

  • Social Security numbers will no longer be visible on your Medicare card.
  • Greater protection against fraud and identity theft.
  • You may receive calls from scam artists trying to obtain your Medicare number.  Do not provide it to them.  If you receive a call from what you believe to be a scam, call Medicare at 1-800-633-4227 immediately.

 Things to remember when you receive your new Medicare card:

  • There is nothing YOU need to do to receive your new Medicare card.
  • It will not change your benefits or coverage with Medicare.
  • It will not cost you anything to get the new card.
  • If someone calls you asking you to provide any personal information, hang up immediately and call Medicare at 1-800-633-4227.

 Has your Medicare card been lost, stolen, or damaged?

  • Call Social Security @ 1-800-772-1213 and ask that they send you a new one.
  • It will take about 30 days for it to arrive by mail.
  • If you need proof of coverage before you receive the new card, call Social Security and they can mail you a letter that will arrive in 10 days.
  • If you need proof of benefits immediately, visit your local Social Security office.

During this time, be very mindful of the potential scams you may face. Scam artists will try to obtain your personal information by contacting you about your new Medicare card. They may call and ask you for your Medicare or Social Security number.  They may tell you there is a charge for your new card and they need to verify personal information.  They may threaten to cancel benefits and coverage if you don’t provide this information.  These types of calls are more than likely from a scam artist.  Hang up immediately and call Medicare at 1-800-633-4227.

Let us help you.  Contact MWG Senior Services if you have any concerns or questions regarding your new Medicare card. We can be reached at 1-877-759-5760 or by email at seniorservices@morganwhite.com.

Annual Enrollment Period

The Annual Enrollment Period is quickly approaching! Do you need help with your Prescription Drug Plan?

The Annual Enrollment Period:

Mid October through the first part of December is often referred to as “Open Enrollment Period” or “Annual Enrollment Period”. They go hand in hand, and here’s why.  During this time, you can not only make changes to your stand-alone drug plan, but you can also make changes to your Medicare Advantage plan (depending on which one you have).  We recommend having someone like us in your corner to assist you through these changes.  Our only requirement for this annual assistance is that you sign up with a Medicare Supplement or Medicare Advantage plan through our advisors.  If you do not currently have one of those plans through us, give us a call today and one of our advisors will be glad to help.  They can be reached at (877) 759-5760, option 1.    

The Annual Enrollment Period comes every year at the same time, beginning October 15th and ending December 7th.  Some clients are under the impression that the Annual Enrollment period is the only time you can change or get a Medicare Supplement.  This is not true. The good thing about Medicare Supplements is that you can change them anytime throughout the year.  This Annual Enrollment Period is only for making changes in a stand-alone prescription drug plan or a Medicare Advantage plan.

Part D Late Enrollment Penalty:

One very important thing to remember is, if you do not obtain a drug plan when you are first eligible, you could receive a late enrollment penalty which is assessed by the Centers for Medicare & Medicaid Services (CMS). The penalty is 1% for each month you go without drug coverage and will always be added to any drug plan or Medicare Advantage plan when you enroll. If you have employer coverage and are on Medicare, I encourage you to check with your employer’s human resource department to ensure the coverage that you have is considered creditable drug coverage.

How can our services benefit you?

The drug plans change every year, so you will need to review your plan annually to see what changes are approaching.  That’s where MWG Senior Services can help!  We offer a FREE service to all our Medicare Supplement and Medicare Advantage clients each year by helping to review your drug coverage to see what changes are being made for the upcoming year. The drug plans are so highly regulated and have so much information to take in, it is hard to know which way to go. We do all the work for you! Already have a supplement with someone else?  No problem!  Any of our advisors can help you look at supplemental options that could help you save some money!

Have questions or need help with your Medicare supplemental options Call MWG Senior Services at 877-759-5760 or email us at seniorservices@morganwhite.com.