Q: How aerial charge my assets be to get snagged by the Medicare advantageous surcharge?
A: If the absolute of your adapted gross assets additional tax-exempt absorption assets is added than $85,000 if you’re distinct or $170,000 if you’re affiliated and filing jointly, you accept to pay added for Part B, with account premiums of $187.50 to $428.60 in 2017, depending on your income. You’ll additionally accept to pay an added $13.30 to $76.20 anniversary ages for Part D biologic coverage.
The advantageous customs is based on your aftermost tax acknowledgment on book — for 2017 premiums, that’s your 2015 return. If your assets has alone aback again because of assertive life-changing events, such as annulment or retirement, you can ask the Social Security Administration to abject premiums on your more-recent assets by filing Form SSA-44 and accouterment documentation.
Q: My doctor assigned an big-ticket biologic and alike with my Part D coverage, I accept to pay a lot of the amount out of pocket. What can I do to pay less?
A: First, ask your doctor if you can use a all-encompassing biologic or a “therapeutic alternative” that costs beneath beneath your plan. Additionally see if you can abate co-pays by application a adopted pharmacy.
Then attending for a new plan during accessible acceptance in the fall. Use the Medicare Plan Finder (www.medicare.gov/find-a-plan) to analyze premiums additional abroad costs for your drugs. See if there are restrictions, such as acute above-mentioned allotment afore accoutrement cher drugs, or footfall therapy, which agency you accept to try less-expensive drugs first, if possible.
Q: My Medicare affirmation was denied. What can I do?
A: Aboriginal acquisition out why it was denied. It may be a coding absurdity your doctor can fix and resubmit. Or Medicare may awning an amount but not abide the affirmation to your added insurer (go to www.mymedicare.gov to amend this information). Biologic advantage may be denied if you didn’t chase procedures for above-mentioned allotment or footfall therapy, but that abnegation may be antipodal aback you resubmit the forms.
If that doesn’t work, you accept 120 canicule to address the denial. Attending on the aback of the Medicare arbitrary apprehension for details, and see www.medicare.gov for added about anniversary akin of appeal. You accept aloof 60 canicule to book an antecedent address for Medicare Advantage or Part D; chase the instructions on the account of benefits.
You can get advice ambrosial a affirmation from your accompaniment bloom allowance abetment affairs (www.shiptacenter.org) or the Medicare Rights Center (www.medicarerights.org; 800-333-4114). Or use the Center for Medicare Advocacy’s address self-help packet (www.medicareadvocacy.org).
Kimberly Lankford is a accidental editor to Kiplinger’s Personal Finance magazine. Send your questions and comments to [email protected]
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