Primary Business Address 1819 W. Redlands Blvd. Suite 104 Redlands, CA 92373 Phone: 951-878-5474 Fax: 909-335- 8230
Larsen Insurance Services

Medicare Updates

It's Not Too Late

Now that AEP (annual enrollment period) is over, there is a new enrollment period called OEP (open enrollment period) which runs January 1 through March 31. During this time you can change from one MAPD (Medicare Advantage Plan) to another MAPD. So, if you just heard about Scan's chiropractic benefit, UHC Focus plan, or Blue Shield covering  tier 3 medications in the gap, you still have an opportunity to make a change! Call us today to take advantage of this special enrollment period!

United Healthcare MA Members

Members who have Renew Active as part of their UnitedHealthcare Medicare Advantage (MA) plans are now able to use the benefit as of January 1, 2019. Renew Active is a fitness program offered at no additional cost for most  UnitedHealthcare MA plans in Southern California.

Before a member goes to a participating location in 2019 they need to follow one of the three listed steps below:

1. Members will need to visit and click on “Get Fitness Confirmation ID.” They will enter their first and last names as they appear on the health plan ID card, date of birth, zip code and email (optional).

2. Members can also call UnitedHealthcare Customer Service at the number on the backs of their ID cards to find locations and receive a fitness confirmation ID number.

*The member then takes the number to the participating location on the first visit. The activation code can be used at any contracted location.

3. Members can also get assistance obtaining an activation code at their participating gym.

Important Note

*Members will not receive a separate ID card for their Renew Active benefit.     


Medicare Benefits: 7 Frequently Asked Questions

Medicare covers, or will eventually cover, virtually all American workers, but this massive health care program isn't well understood by millions of people. Many don't know when they will become eligible for Medicare, what it covers (and doesn't), and what it costs. With that in mind, here are seven frequently asked questions about Medicare and the answers to each.

1. When can I get Medicare benefits? Unless you're disabled, the answer is 65 years old. A common misconception among Americans is that you can get Medicare as soon as you claim Social Security benefits, which can be as early as age 62. Unfortunately, even if you retire early and claim your Social Security benefit early, you'll have to wait until 65 before you'll be covered for Medicare.

2. How do I apply for Medicare? You may not have to. If you're already receiving Social Security retirement benefits when you turn 65, you'll be enrolled in  Medicare automatically. If this is the case, you'll be automatically enrolled in Parts A and B of Medicare (more on the parts in a bit), and you can expect to receive your Medicare benefits card about three months before you turn 65. If you aren't receiving your Social Security retirement benefit when you turn 65, you'll have to apply for Medicare, which you can do quite easily on the Social Security Administration's website. Your initial enrollment period begins three months before the month of your 65th birthday and extends for three months after.

3. What are the "parts" of Medicare?There are four "parts" of Medicare. Here's a quick rundown, along with links to learn more about each part:

  • Part A is Hospital Insurance, or HI. This primarily covers hospital stays and some stays in skilled nursing facilities.
  • Part B is Medical Insurance. This covers doctors' visits, lab tests, and outpatient procedures, just to name a few.
  • Part C is Medicare Advantage. These are plans offered by private companies to provide Medicare benefits.
  • Part D is Prescription Drug Coverage. This is optional for beneficiaries.

Parts A and B are collectively referred to as "Original Medicare," and are generally what's being referred to when I use the term Medicare.

4. How much does Medicare cost? Medicare Part A is free for the vast majority of American seniors, but has a deductible of $1,340 per benefit period, as well as coinsurance requirements if your hospital stay lasts more than 60 days or if your skilled nursing stay extends beyond 20 days. Medicare Part B has a monthly premium. For 2018, the standard monthly premium is $134, but high-income seniors pay significantly more than this. At the high end, seniors with incomes over $320,000 (joint tax return) or $160,000 (individual) have to pay $428.60 per month. In addition, Medicare Part B has an annual deductible of $183 for 2018.Part D, prescription drug coverage plans, come with an average monthly premium of $35.

5. What does Medicare not cover? One of the most important things for seniors to know is what Medicare does not cover. While this isn't an exhaustive list, Medicare doesn't cover long-term care, dental care, eye exams or glasses, dentures, acupuncture, hearing aids, and routine foot care. This list is what Original Medicare (Parts A and B) doesn't cover. Certain Medicare health plans may cover some of these services.

6. What is Medigap? Since there are many copays and deductibles, private insurers sell Medicare Supplemental Insurance Plans, or Medigap plans. There are 10 different varieties of Medigap plans, with Medigap Plan F (the most comprehensive) the most commonly chosen option. While Medigap plans are standardized in terms of the coverage they provide, costs can vary significantly.

7. I have health insurance already through an employer. Do I have to enroll in (and pay for) Medicare at age 65? It depends what kind of health insurance you have. If you have insurance through your employer or your spouse's employer and the primary insured is still working, you may not be required to enroll in Medicare as long as the company sponsoring your coverage has at least 20 employees. In this case, you'll have a special enrollment period after you (or your spouse) retire or leave that employer. On the other hand, if your insurance is through an employer you've already retired from, you still have to sign up at 65. If you are required to sign up for Medicare Part B, and don't, you'll face a permanent penalty of 10% of the Medicare Part B premium for every year you were supposed to enroll but didn't. It's also worth noting that since Medicare Part A is free, it generally doesn't make sense to delay signing up for it, even if you're not required to. Your employer's insurance will be your primary coverage, and Medicare will be secondary. However, since Part B comes with a premium, it does make sense to wait if you're still covered by your employer's plan. 


Did you know that using a preferred pharmacy can save you money? If you are not sure you are using a preferred pharmacy, give us a call or email us and we will check for you.

Email Address

We would like to send you updates via email. If you have an email address and would like to share it with us, email it and we will update your records.