Mrs. Park is an elderly retiree. Mrs. Park has a low fixed income. What could you

tell Mrs. Park that might be of assistance?

- She should contact her state Medicaid agency to see if she qualifies forprograms

that can help with Medicare costs for which she is responsible.

Madeline Martinez was widowed several years ago. Her husband worked for many

years and contributed into the Medicare system. He also left a substantial estate

which provides Madeline with an annual income of approximately $130,000.

Madeline, who has only worked part-time for the last three years, will soon turn

age 65 and hopes to enroll in Original Medicare. She comes to you for advice.

What should you tell her?

- You should tell Madeline that she will be able to enroll in Medicare Part A

without paying monthly premiums due to her husband's long work record and

participation in the Medicare system. You should also tell Madeline that she will

pay Part B premiums at more than the standard lowest rate but less than the highest

rate due her substantial income.

Mr. Bauer is 49 years old, but eighteen months ago he was declared disabled by the

Social Security Administration and has been receiving disability payments. He is

wondering whether he can obtain coverage under Medicare. What should you tell

him

- After receiving such disability payments for 24 months, he will be automatically

enrolled in Medicare, regardless of age.

Mr. Schmidt would like to plan for retirement and has asked you what is covered

under Original Fee-for-Service (FFS) Medicare? What could you tell him?

- Part A, which covers hospital, skilled nursing facility, hospice and home health

services and Part B, which covers professional services such as those provided by a

doctor are covered under Original Medicare.