Fw: EDU: Disabilty information/Government Programs for Low-Income People on Medicare

[Guest guest]

>

>For those of you who are in the U.S. A. and are low income, you might

>find

>this quite interesting. Let's hope it helps some of you. I pulled

>information on

>the programs directly from www.medicare. gov, www.socialsecurity. gov

>and the

>Medicare and You 2006 Handbook.

>

>Government Programs for Low-Income People on Medicare

>

>Extra help paying for Meicare Prescription Drug Coverage: If you have

>limited

>income and resources, you may qualify for extra help paying your

>prescription

>drug costs. If you qualify, you will get help paying for your drug

>plan's

>monthly premium, yearly deductable, and prescrition copayments. You

>may qualify

>if your resources are less than $11,500 if you are single or $23,000

>if you are

>married and living with your spouse. If you think you may qualify,

>call

>1., visit www.socialsecurity. gov on the web or apply at

>your State

>Medical Assistance office. To locate the State Medical Assistance

>organization

>for your area you can visit www.medicare. gove on the web or call

> to

>get the telephone number for your state.

>

>Specified Low-income Medicare Beneficiary Program (SLMB) A Medicaid

>program

>that pays for Medicare Part B premiums for individuals who have

>Medicare Part A,

>a low monthly income, and limited resources.

>

>Qualified Medicare Beneficiary Program (QMB) This is a Medicaid

>program for

>beneficiaries who need help in paying for Medicare services. The

>beneficiary

>must have Medicare Part A and limited income and resources. For those

>who

>qualify, the Medicaid program pays Medicare Part A premiums, Part B

>premiums,

>and Medicare deductibles and coinsurance amounts for Medicare

>services.

>

>Qualifying Individual-1 (QI-1) This is a Medicaid program for

>beneficiaries

>who need help in paying for Medicare Part B premiums. The beneficiary

>must have

>Medicare Part A and limited income and resources and not be otherwise

>eligible

>for Medicaid. For those who qualify, the Medicaid program pays full

>Medicare

>Part B premiums only.

>

>Qualifying Individual-2 (QI-2) Programs This is a Medicaid program for

>beneficiaries who need help in paying for Medicare Part B premiums.

>The

>beneficiary must have Medicare Part A and limited income and

>resources and not

>be otherwise eligible for Medicaid. For those who qualify, Medicaid

>pays a

>percentage of Medicare Part B premiums only.

>

>Medicaid A joint federal and state program that helps with medical

>costs for

>some people with low incomes and limited resources. Medicaid programs

>vary from

>state to state, but most health care costs are covered if you qualify

>for both

>Medicare and Medicaid.

>

>Medicare Savings Programs (help from your sate Medicaid program paying

>Medicare premiums) There are programs that help millions of people

>with Medicare

>save money each year. States have programs for people with limited

>incomes and

>resources that pay Medicare premiums. Some programs may also pay

>Medicare

>deductibles and coinsurance. You can apply for these programs if: You

>have

>Medicare Part A (Hospital Insurance). (If you are eligible for

>Medicare Part A

>but don't think you can afford it, there is a program that may pay

>the Medicare

>Part A premium for you.), you are an individual with resources of

>$4,000 or

>less, or are a couple with resources of $6,000 or less. Resources

>include money

>in a savings or checking account, stocks, or bonds and You are an

>individual

>with a monthly income of less than $1,031, or a couple with a monthly

>income of

>less than $1,384. Income limits will change slightly in 2004. If you

>live in

>Hawaii or Alaska, income limits are slightly higher. Note: If your

>income is less than the amounts listed above, you may qualify for

>Medicaid.

>

>Supplimental Security Income Benefits (SSI): This is a monthly

>benefit paid by

>the Social Security Administration to people with limited income and

>resources

>who are disabled, blind or age 65 or older. You must be a resident of

>the United

>States, not be absent from the country for more than 30 days, and be

>either a US

>citizen or national, or in on of certain categories of eligible non-

>citizens.

>For more information, call Social Security at 1. or

>contact your

>local Social security office. TTY users should call 1..

>You can also

>go to www.socialsecurity. gov and use the Benefits Eligibility

>Screening Tool

>(BEST) to find out if you are either eligible for SSI or other

>benefits to help

>you decide wheterh to apply.

>

>Medicare Approved Drug Discount Cards: Introduced in 2004 to help

>people on

>Medicare get a discount on their prescription drugs. Medicare

>perscription drug

>coverage beings in 2006. The drug discount cards aer temproarty and

>Medicare

>approved drug discount cards end in 2006. You can continue to use

>your drug

>discount card until May 15th, 2006, or until you join a drug plan,

>whichever

>comes first. If you qualified for your Medicare approved drug

>discount card, you

>may also qualify for help paying your drug plan costs. To find out

>more, visit

>www.medicare. gov on the web or call 1.800.MEDICARE (1.)

>TTY users

>should call 1.

>

>GOVERNMENT PROGRAMS TO HELP LOW-INCOME PEOPLE ON MEDICARE

>(This is the way it used to work so things may have changed a little

>bit for

>2006)

>What government programs can help low-income people on Medicare get

>better

>health coverage?

>There are a number of government programs that can help low-income

>people on

>Medicare get better health coverage. They are the Medicaid, the

>Qualified

>Medicare Beneficiary program (QMB), the Specified Low-income Medicare

>Beneficiary (SLMB) program, the Qualifying Individual-1 (QI-1)

>program, and the

>Qualifying Individual-2 (QI-2) program.

>If you have QMB and/or Medicaid, Medicare should pay first and

>QMB/Medicaid

>should pay what's left over. Both programs pay your Medicare

>premiums. Your

>Medicare deductibles and co-insurance are covered as long as you go to

>Medicaid-participa ting providers. If you do not go to Medicaid-

>participating

>providers, you may be responsible for the Medicare deductibles and co-

>insurance.

>You can have both Medicaid and QMB at the same time. You can also

>have both

>Medicaid and SLMB, QI-1, or QI-2 at the same time.

>

>Can low-income people on Medicare also receive Medicaid benefits?

>For low-income people with Medicare, Medicaid acts as a " secondary "

>payer that

>also covers prescription drugs, eyeglasses, hearing aids, and long-

>term care. A

>single person's income cannot be higher than $654 a month to qualify

>for this

>coverage, and a couple's income must be below $945 a month. A single

>person's

>assets (savings accounts, checking accounts, IRA's, bonds, property,

>automobiles, etc.) cannot be higher than $3,800 and a couple's assets

>cannot be

>higher than $5,500. People whose income is above these limits, who

>also have

>high medical costs for which they have no coverage, may be able to

>get Medicaid

>coverage through the Medicaid " spend-down " program.

>(for a publication that explains how Medicare works with other

>insurances, as

>for Medicare and Other Health Benefits: Your Guide to Who Pays First -

> 02179 or

>download a PDF file at

>http://www.medicare .gov/Publication s/Search/ Results.asp?

>PubID=02179 & Type=PubID & L\

>anguage=English

>

>Q. What are the Qualifying Individual-1 (QI-1) and the Qualifying

>Individual- 2

>program (QI-2) programs?

>A. The QI-1 program pays the entire monthly premium for Medicare Part

>B, which

>is currently $88.50 a month. To qualify, a single person's income

>cannot exceed

>$1,017 a month and a couple's income cannot exceed $1,364 a month.

>The QI-2

>program pays only up to $34.44 per year towards the monthly Part B

>premium, but

>it has a higher income eligibility limit ($1,313 a month for a single

>person and

>$1,762 a month for couples). Most importantly, there are no asset

>limits for

>these two programs so people can have any amount of money in assets

>and still

>qualify.

>

>To find out if you qualify for any of the programs listed above, you

>can call

>the Medicare Rights Center at 1-.

>

>What to bring to your Medicaid QMB, SLMB, QI-1 or QI-2 interview:

>Proof of identity and residence

>Proof of citizenship/ legal alien status

>Social Security and Medicare cards Proof of disability (if applicable)

>Proof of employment status

>Information about all income and assets (bank statements, stock

>certificates,

>insurance policies, etc.)

>

>Other Government Programs that assist Low Income people

>

>U.S. Department of Agriculture

>The U.S. Department of Agriculture (USDA) has a loan program entitled

>the

>Farmer's Home Administration (FmHA). This loan program provides loans

>to

>low-income borrowers who live in a rural area so they can make

>improvements to

>their home.

>

>U.S. Department of Housing and Urban Development (HUD)

>The U.S. Department of Housing and Urban Development (HUD) contains

>two helpful

>resources. The first is the HUD lender list search which allows you

>to locate

>various types of lenders (reverse mortgage, insurance, and

>rehabilitation) in

>your area. The second resource is the HUD list of housing counseling

>agencies.

>These agencies can give you advice on buying or renting a home,

>defaults,

>foreclosures, credit issues, and reverse mortgages. You can get this

>information

>by looking at the HUD website or by calling HUD at 1-.

>You can also contact HUD for information about the FHA 203K program

>for home

>repairs for low-income families.

>

>Other Insurance and Ways to Pay Health Care Costs

>

>Employer and Union health coverage

>Veterans Benefits

>Military Retiree Benefits (TRICARE)

>Federal Employee Health Benefits Program (FEHB)

>Paying for Long Term Care

>

>For more information about how other kinds of insurance work with

>Medicare,

>visit www.medicare. gov on the web, call your State Health Insurance

>Assistance

>Program (the telephone nujmber for your state is listed on the inside

>back cover

>of the Medicare and You 2006 official government handbook), or call 1

>800

>MEDICARE (1 to get a FREE copy of Medicare and Other

>Health

>Benefits: Your Guide to Who Pays First " (CMS Pub. No. 02179)

>

>

>

>

>(Beautiful Southern Oregon, USA)

>

>We may not be able to change the direction of the wind, but we can

>adjust our

>sails.

>

>May you have enough happiness to make you kind, enough trials to make

>you

>strong, enough sorrow to keep you human, enough hope to make you

>happy.

>

>

>

>

>

>

>___________ _________ _________ _________ _________ ___

>

[Guest guest]

..

>

>

>Government Programs for Low-Income People on Medicare

>

>Extra help paying for Meicare Prescription Drug Coverage: If you have

>limited

>income and resources, you may qualify for extra help paying your

>prescription

>drug costs. If you qualify, you will get help paying for your drug

>plan's

>monthly premium, yearly deductable, and prescrition copayments. You

>may qualify

>if your resources are less than $11,500 if you are single or $23,000

>if you are

>married and living with your spouse. If you think you may qualify,

>call

>1., visit www.socialsecurity. gov on the web or apply at

>your State

>Medical Assistance office. To locate the State Medical Assistance

>organization

>for your area you can visit www.medicare. gove on the web or call

> to

>get the telephone number for your state.

>

>Specified Low-income Medicare Beneficiary Program (SLMB) A Medicaid

>program

>that pays for Medicare Part B premiums for individuals who have

>Medicare Part A,

>a low monthly income, and limited resources.

>

>Qualified Medicare Beneficiary Program (QMB) This is a Medicaid

>program for

>beneficiaries who need help in paying for Medicare services. The

>beneficiary

>must have Medicare Part A and limited income and resources. For those

>who

>qualify, the Medicaid program pays Medicare Part A premiums, Part B

>premiums,

>and Medicare deductibles and coinsurance amounts for Medicare

>services.

>

>Qualifying Individual-1 (QI-1) This is a Medicaid program for

>beneficiaries

>who need help in paying for Medicare Part B premiums. The beneficiary

>must have

>Medicare Part A and limited income and resources and not be otherwise

>eligible

>for Medicaid. For those who qualify, the Medicaid program pays full

>Medicare

>Part B premiums only.

>

>Qualifying Individual-2 (QI-2) Programs This is a Medicaid program for

>beneficiaries who need help in paying for Medicare Part B premiums.

>The

>beneficiary must have Medicare Part A and limited income and

>resources and not

>be otherwise eligible for Medicaid. For those who qualify, Medicaid

>pays a

>percentage of Medicare Part B premiums only.

>

>Medicaid A joint federal and state program that helps with medical

>costs for

>some people with low incomes and limited resources. Medicaid programs

>vary from

>state to state, but most health care costs are covered if you qualify

>for both

>Medicare and Medicaid.

>

>Medicare Savings Programs (help from your sate Medicaid program paying

>Medicare premiums) There are programs that help millions of people

>with Medicare

>save money each year. States have programs for people with limited

>incomes and

>resources that pay Medicare premiums. Some programs may also pay

>Medicare

>deductibles and coinsurance. You can apply for these programs if: You

>have

>Medicare Part A (Hospital Insurance). (If you are eligible for

>Medicare Part A

>but don't think you can afford it, there is a program that may pay

>the Medicare

>Part A premium for you.), you are an individual with resources of

>$4,000 or

>less, or are a couple with resources of $6,000 or less. Resources

>include money

>in a savings or checking account, stocks, or bonds and You are an

>individual

>with a monthly income of less than $1,031, or a couple with a monthly

>income of

>less than $1,384. Income limits will change slightly in 2004. If you

>live in

>Hawaii or Alaska, income limits are slightly higher. Note: If your

>income is less than the amounts listed above, you may qualify for

>Medicaid.

>

>Supplimental Security Income Benefits (SSI): This is a monthly

>benefit paid by

>the Social Security Administration to people with limited income and

>resources

>who are disabled, blind or age 65 or older. You must be a resident of

>the United

>States, not be absent from the country for more than 30 days, and be

>either a US

>citizen or national, or in on of certain categories of eligible non-

>citizens.

>For more information, call Social Security at 1. or

>contact your

>local Social security office. TTY users should call 1..

>You can also

>go to www.socialsecurity. gov and use the Benefits Eligibility

>Screening Tool

>(BEST) to find out if you are either eligible for SSI or other

>benefits to help

>you decide wheterh to apply.

>

>Medicare Approved Drug Discount Cards: Introduced in 2004 to help

>people on

>Medicare get a discount on their prescription drugs. Medicare

>perscription drug

>coverage beings in 2006. The drug discount cards aer temproarty and

>Medicare

>approved drug discount cards end in 2006. You can continue to use

>your drug

>discount card until May 15th, 2006, or until you join a drug plan,

>whichever

>comes first. If you qualified for your Medicare approved drug

>discount card, you

>may also qualify for help paying your drug plan costs. To find out

>more, visit

>www.medicare. gov on the web or call 1.800.MEDICARE (1.)

>TTY users

>should call 1.

>

>GOVERNMENT PROGRAMS TO HELP LOW-INCOME PEOPLE ON MEDICARE

>(This is the way it used to work so things may have changed a little

>bit for

>2006)

>What government programs can help low-income people on Medicare get

>better

>health coverage?

>There are a number of government programs that can help low-income

>people on

>Medicare get better health coverage. They are the Medicaid, the

>Qualified

>Medicare Beneficiary program (QMB), the Specified Low-income Medicare

>Beneficiary (SLMB) program, the Qualifying Individual-1 (QI-1)

>program, and the

>Qualifying Individual-2 (QI-2) program.

>If you have QMB and/or Medicaid, Medicare should pay first and

>QMB/Medicaid

>should pay what's left over. Both programs pay your Medicare

>premiums. Your

>Medicare deductibles and co-insurance are covered as long as you go to

>Medicaid-participa ting providers. If you do not go to Medicaid-

>participating

>providers, you may be responsible for the Medicare deductibles and co-

>insurance.

>You can have both Medicaid and QMB at the same time. You can also

>have both

>Medicaid and SLMB, QI-1, or QI-2 at the same time.

>

>Can low-income people on Medicare also receive Medicaid benefits?

>For low-income people with Medicare, Medicaid acts as a " secondary "

>payer that

>also covers prescription drugs, eyeglasses, hearing aids, and long-

>term care. A

>single person's income cannot be higher than $654 a month to qualify

>for this

>coverage, and a couple's income must be below $945 a month. A single

>person's

>assets (savings accounts, checking accounts, IRA's, bonds, property,

>automobiles, etc.) cannot be higher than $3,800 and a couple's assets

>cannot be

>higher than $5,500. People whose income is above these limits, who

>also have

>high medical costs for which they have no coverage, may be able to

>get Medicaid

>coverage through the Medicaid " spend-down " program.

>(for a publication that explains how Medicare works with other

>insurances, as

>for Medicare and Other Health Benefits: Your Guide to Who Pays First -

> 02179 or

>download a PDF file at

>http://www.medicare .gov/Publication s/Search/ Results.asp?

>PubID=02179 & Type=PubID & L\

>anguage=English

>

>Q. What are the Qualifying Individual-1 (QI-1) and the Qualifying

>Individual- 2

>program (QI-2) programs?

>A. The QI-1 program pays the entire monthly premium for Medicare Part

>B, which

>is currently $88.50 a month. To qualify, a single person's income

>cannot exceed

>$1,017 a month and a couple's income cannot exceed $1,364 a month.

>The QI-2

>program pays only up to $34.44 per year towards the monthly Part B

>premium, but

>it has a higher income eligibility limit ($1,313 a month for a single

>person and

>$1,762 a month for couples). Most importantly, there are no asset

>limits for

>these two programs so people can have any amount of money in assets

>and still

>qualify.

>

>To find out if you qualify for any of the programs listed above, you

>can call

>the Medicare Rights Center at 1-.

>

>What to bring to your Medicaid QMB, SLMB, QI-1 or QI-2 interview:

>Proof of identity and residence

>Proof of citizenship/ legal alien status

>Social Security and Medicare cards Proof of disability (if applicable)

>Proof of employment status

>Information about all income and assets (bank statements, stock

>certificates,

>insurance policies, etc.)

>

>Other Government Programs that assist Low Income people

>

>U.S. Department of Agriculture

>The U.S. Department of Agriculture (USDA) has a loan program entitled

>the

>Farmer's Home Administration (FmHA). This loan program provides loans

>to

>low-income borrowers who live in a rural area so they can make

>improvements to

>their home.

>

>U.S. Department of Housing and Urban Development (HUD)

>The U.S. Department of Housing and Urban Development (HUD) contains

>two helpful

>resources. The first is the HUD lender list search which allows you

>to locate

>various types of lenders (reverse mortgage, insurance, and

>rehabilitation) in

>your area. The second resource is the HUD list of housing counseling

>agencies.

>These agencies can give you advice on buying or renting a home,

>defaults,

>foreclosures, credit issues, and reverse mortgages. You can get this

>information

>by looking at the HUD website or by calling HUD at 1-.

>You can also contact HUD for information about the FHA 203K program

>for home

>repairs for low-income families.

>

>Other Insurance and Ways to Pay Health Care Costs

>

>Employer and Union health coverage

>Veterans Benefits

>Military Retiree Benefits (TRICARE)

>Federal Employee Health Benefits Program (FEHB)

>Paying for Long Term Care

>

>For more information about how other kinds of insurance work with

>Medicare,

>visit www.medicare. gov on the web, call your State Health Insurance

>Assistance

>Program (the telephone nujmber for your state is listed on the inside

>back cover

>of the Medicare and You 2006 official government handbook), or call 1

>800

>MEDICARE (1 to get a FREE copy of Medicare and Other

>Health

>Benefits: Your Guide to Who Pays First " (CMS Pub. No. 02179)

>

>

>

>

>(Beautiful Southern Oregon, USA)

>

>We may not be able to change the direction of the wind, but we can

>adjust our

>sails.

>

>May you have enough happiness to make you kind, enough trials to make

>you

>strong, enough sorrow to keep you human, enough hope to make you

>happy.

>

>

>

>

>

>

>___________ _________ _________ _________ _________ ___

>

[Guest guest]

Subject: RE: EDU: Disabilty information/Government Programs for

Low-Income People on Medicare

>

>Subject: EDU: Disabilty information/ Government Programs for

>Low-Income People on Medicare

>Date: Sun, 10 Sep 2006 06:04:40 -0000

>

>For those of you who are in the U.S. A. and are low income, you might

>find

>this quite interesting. Let's hope it helps some of you. I pulled

>information on

>the programs directly from www.medicare. gov, www.socialsecurity. gov

>and the

>Medicare and You 2006 Handbook.

>

>Government Programs for Low-Income People on Medicare

>

>Extra help paying for Meicare Prescription Drug Coverage: If you have

>limited

>income and resources, you may qualify for extra help paying your

>prescription

>drug costs. If you qualify, you will get help paying for your drug

>plan's

>monthly premium, yearly deductable, and prescrition copayments. You

>may qualify

>if your resources are less than $11,500 if you are single or $23,000

>if you are

>married and living with your spouse. If you think you may qualify,

>call

>1., visit www.socialsecurity. gov on the web or apply at

>your State

>Medical Assistance office. To locate the State Medical Assistance

>organization

>for your area you can visit www.medicare. gove on the web or call

> to

>get the telephone number for your state.

>

>Specified Low-income Medicare Beneficiary Program (SLMB) A Medicaid

>program

>that pays for Medicare Part B premiums for individuals who have

>Medicare Part A,

>a low monthly income, and limited resources.

>

>Qualified Medicare Beneficiary Program (QMB) This is a Medicaid

>program for

>beneficiaries who need help in paying for Medicare services. The

>beneficiary

>must have Medicare Part A and limited income and resources. For those

>who

>qualify, the Medicaid program pays Medicare Part A premiums, Part B

>premiums,

>and Medicare deductibles and coinsurance amounts for Medicare

>services.

>

>Qualifying Individual-1 (QI-1) This is a Medicaid program for

>beneficiaries

>who need help in paying for Medicare Part B premiums. The beneficiary

>must have

>Medicare Part A and limited income and resources and not be otherwise

>eligible

>for Medicaid. For those who qualify, the Medicaid program pays full

>Medicare

>Part B premiums only.

>

>Qualifying Individual-2 (QI-2) Programs This is a Medicaid program for

>beneficiaries who need help in paying for Medicare Part B premiums.

>The

>beneficiary must have Medicare Part A and limited income and

>resources and not

>be otherwise eligible for Medicaid. For those who qualify, Medicaid

>pays a

>percentage of Medicare Part B premiums only.

>

>Medicaid A joint federal and state program that helps with medical

>costs for

>some people with low incomes and limited resources. Medicaid programs

>vary from

>state to state, but most health care costs are covered if you qualify

>for both

>Medicare and Medicaid.

>

>Medicare Savings Programs (help from your sate Medicaid program paying

>Medicare premiums) There are programs that help millions of people

>with Medicare

>save money each year. States have programs for people with limited

>incomes and

>resources that pay Medicare premiums. Some programs may also pay

>Medicare

>deductibles and coinsurance. You can apply for these programs if: You

>have

>Medicare Part A (Hospital Insurance). (If you are eligible for

>Medicare Part A

>but don't think you can afford it, there is a program that may pay

>the Medicare

>Part A premium for you.), you are an individual with resources of

>$4,000 or

>less, or are a couple with resources of $6,000 or less. Resources

>include money

>in a savings or checking account, stocks, or bonds and You are an

>individual

>with a monthly income of less than $1,031, or a couple with a monthly

>income of

>less than $1,384. Income limits will change slightly in 2004. If you

>live in

>Hawaii or Alaska, income limits are slightly higher. Note: If your

>income is less than the amounts listed above, you may qualify for

>Medicaid.

>

>Supplimental Security Income Benefits (SSI): This is a monthly

>benefit paid by

>the Social Security Administration to people with limited income and

>resources

>who are disabled, blind or age 65 or older. You must be a resident of

>the United

>States, not be absent from the country for more than 30 days, and be

>either a US

>citizen or national, or in on of certain categories of eligible non-

>citizens.

>For more information, call Social Security at 1. or

>contact your

>local Social security office. TTY users should call 1..

>You can also

>go to www.socialsecurity. gov and use the Benefits Eligibility

>Screening Tool

>(BEST) to find out if you are either eligible for SSI or other

>benefits to help

>you decide wheterh to apply.

>

>Medicare Approved Drug Discount Cards: Introduced in 2004 to help

>people on

>Medicare get a discount on their prescription drugs. Medicare

>perscription drug

>coverage beings in 2006. The drug discount cards aer temproarty and

>Medicare

>approved drug discount cards end in 2006. You can continue to use

>your drug

>discount card until May 15th, 2006, or until you join a drug plan,

>whichever

>comes first. If you qualified for your Medicare approved drug

>discount card, you

>may also qualify for help paying your drug plan costs. To find out

>more, visit

>www.medicare. gov on the web or call 1.800.MEDICARE (1.)

>TTY users

>should call 1.

>

>GOVERNMENT PROGRAMS TO HELP LOW-INCOME PEOPLE ON MEDICARE

>(This is the way it used to work so things may have changed a little

>bit for

>2006)

>What government programs can help low-income people on Medicare get

>better

>health coverage?

>There are a number of government programs that can help low-income

>people on

>Medicare get better health coverage. They are the Medicaid, the

>Qualified

>Medicare Beneficiary program (QMB), the Specified Low-income Medicare

>Beneficiary (SLMB) program, the Qualifying Individual-1 (QI-1)

>program, and the

>Qualifying Individual-2 (QI-2) program.

>If you have QMB and/or Medicaid, Medicare should pay first and

>QMB/Medicaid

>should pay what's left over. Both programs pay your Medicare

>premiums. Your

>Medicare deductibles and co-insurance are covered as long as you go to

>Medicaid-participa ting providers. If you do not go to Medicaid-

>participating

>providers, you may be responsible for the Medicare deductibles and co-

>insurance.

>You can have both Medicaid and QMB at the same time. You can also

>have both

>Medicaid and SLMB, QI-1, or QI-2 at the same time.

>

>Can low-income people on Medicare also receive Medicaid benefits?

>For low-income people with Medicare, Medicaid acts as a " secondary "

>payer that

>also covers prescription drugs, eyeglasses, hearing aids, and long-

>term care. A

>single person's income cannot be higher than $654 a month to qualify

>for this

>coverage, and a couple's income must be below $945 a month. A single

>person's

>assets (savings accounts, checking accounts, IRA's, bonds, property,

>automobiles, etc.) cannot be higher than $3,800 and a couple's assets

>cannot be

>higher than $5,500. People whose income is above these limits, who

>also have

>high medical costs for which they have no coverage, may be able to

>get Medicaid

>coverage through the Medicaid " spend-down " program.

>(for a publication that explains how Medicare works with other

>insurances, as

>for Medicare and Other Health Benefits: Your Guide to Who Pays First -

> 02179 or

>download a PDF file at

>http://www.medicare .gov/Publication s/Search/ Results.asp?

>PubID=02179 & Type=PubID & L\

>anguage=English

>

>Q. What are the Qualifying Individual-1 (QI-1) and the Qualifying

>Individual- 2

>program (QI-2) programs?

>A. The QI-1 program pays the entire monthly premium for Medicare Part

>B, which

>is currently $88.50 a month. To qualify, a single person's income

>cannot exceed

>$1,017 a month and a couple's income cannot exceed $1,364 a month.

>The QI-2

>program pays only up to $34.44 per year towards the monthly Part B

>premium, but

>it has a higher income eligibility limit ($1,313 a month for a single

>person and

>$1,762 a month for couples). Most importantly, there are no asset

>limits for

>these two programs so people can have any amount of money in assets

>and still

>qualify.

>

>To find out if you qualify for any of the programs listed above, you

>can call

>the Medicare Rights Center at 1-.

>

>What to bring to your Medicaid QMB, SLMB, QI-1 or QI-2 interview:

>Proof of identity and residence

>Proof of citizenship/ legal alien status

>Social Security and Medicare cards Proof of disability (if applicable)

>Proof of employment status

>Information about all income and assets (bank statements, stock

>certificates,

>insurance policies, etc.)

>

>Other Government Programs that assist Low Income people

>

>U.S. Department of Agriculture

>The U.S. Department of Agriculture (USDA) has a loan program entitled

>the

>Farmer's Home Administration (FmHA). This loan program provides loans

>to

>low-income borrowers who live in a rural area so they can make

>improvements to

>their home.

>

>U.S. Department of Housing and Urban Development (HUD)

>The U.S. Department of Housing and Urban Development (HUD) contains

>two helpful

>resources. The first is the HUD lender list search which allows you

>to locate

>various types of lenders (reverse mortgage, insurance, and

>rehabilitation) in

>your area. The second resource is the HUD list of housing counseling

>agencies.

>These agencies can give you advice on buying or renting a home,

>defaults,

>foreclosures, credit issues, and reverse mortgages. You can get this

>information

>by looking at the HUD website or by calling HUD at 1-.

>You can also contact HUD for information about the FHA 203K program

>for home

>repairs for low-income families.

>

>Other Insurance and Ways to Pay Health Care Costs

>

>Employer and Union health coverage

>Veterans Benefits

>Military Retiree Benefits (TRICARE)

>Federal Employee Health Benefits Program (FEHB)

>Paying for Long Term Care

>

>For more information about how other kinds of insurance work with

>Medicare,

>visit www.medicare. gov on the web, call your State Health Insurance

>Assistance

>Program (the telephone nujmber for your state is listed on the inside

>back cover

>of the Medicare and You 2006 official government handbook), or call 1

>800

>MEDICARE (1 to get a FREE copy of Medicare and Other

>Health

>Benefits: Your Guide to Who Pays First " (CMS Pub. No. 02179)

>

>

>

>

>(Beautiful Southern Oregon, USA)

>

>We may not be able to change the direction of the wind, but we can

>adjust our

>sails.

>

>May you have enough happiness to make you kind, enough trials to make

>you

>strong, enough sorrow to keep you human, enough hope to make you

>happy.

>

>

>

>

>

>

>___________ _________ _________ _________ _________ ___

>

[Guest guest]

Subject: RE: EDU: Disabilty information/Government Programs for

Low-Income People on Medicare

>

>Subject: EDU: Disabilty information/ Government Programs for

>Low-Income People on Medicare

>Date: Sun, 10 Sep 2006 06:04:40 -0000

>

>For those of you who are in the U.S. A. and are low income, you might

>find

>this quite interesting. Let's hope it helps some of you. I pulled

>information on

>the programs directly from www.medicare. gov, www.socialsecurity. gov

>and the

>Medicare and You 2006 Handbook.

>

>Government Programs for Low-Income People on Medicare

>

>Extra help paying for Meicare Prescription Drug Coverage: If you have

>limited

>income and resources, you may qualify for extra help paying your

>prescription

>drug costs. If you qualify, you will get help paying for your drug

>plan's

>monthly premium, yearly deductable, and prescrition copayments. You

>may qualify

>if your resources are less than $11,500 if you are single or $23,000

>if you are

>married and living with your spouse. If you think you may qualify,

>call

>1., visit www.socialsecurity. gov on the web or apply at

>your State

>Medical Assistance office. To locate the State Medical Assistance

>organization

>for your area you can visit www.medicare. gove on the web or call

> to

>get the telephone number for your state.

>

>Specified Low-income Medicare Beneficiary Program (SLMB) A Medicaid

>program

>that pays for Medicare Part B premiums for individuals who have

>Medicare Part A,

>a low monthly income, and limited resources.

>

>Qualified Medicare Beneficiary Program (QMB) This is a Medicaid

>program for

>beneficiaries who need help in paying for Medicare services. The

>beneficiary

>must have Medicare Part A and limited income and resources. For those

>who

>qualify, the Medicaid program pays Medicare Part A premiums, Part B

>premiums,

>and Medicare deductibles and coinsurance amounts for Medicare

>services.

>

>Qualifying Individual-1 (QI-1) This is a Medicaid program for

>beneficiaries

>who need help in paying for Medicare Part B premiums. The beneficiary

>must have

>Medicare Part A and limited income and resources and not be otherwise

>eligible

>for Medicaid. For those who qualify, the Medicaid program pays full

>Medicare

>Part B premiums only.

>

>Qualifying Individual-2 (QI-2) Programs This is a Medicaid program for

>beneficiaries who need help in paying for Medicare Part B premiums.

>The

>beneficiary must have Medicare Part A and limited income and

>resources and not

>be otherwise eligible for Medicaid. For those who qualify, Medicaid

>pays a

>percentage of Medicare Part B premiums only.

>

>Medicaid A joint federal and state program that helps with medical

>costs for

>some people with low incomes and limited resources. Medicaid programs

>vary from

>state to state, but most health care costs are covered if you qualify

>for both

>Medicare and Medicaid.

>

>Medicare Savings Programs (help from your sate Medicaid program paying

>Medicare premiums) There are programs that help millions of people

>with Medicare

>save money each year. States have programs for people with limited

>incomes and

>resources that pay Medicare premiums. Some programs may also pay

>Medicare

>deductibles and coinsurance. You can apply for these programs if: You

>have

>Medicare Part A (Hospital Insurance). (If you are eligible for

>Medicare Part A

>but don't think you can afford it, there is a program that may pay

>the Medicare

>Part A premium for you.), you are an individual with resources of

>$4,000 or

>less, or are a couple with resources of $6,000 or less. Resources

>include money

>in a savings or checking account, stocks, or bonds and You are an

>individual

>with a monthly income of less than $1,031, or a couple with a monthly

>income of

>less than $1,384. Income limits will change slightly in 2004. If you

>live in

>Hawaii or Alaska, income limits are slightly higher. Note: If your

>income is less than the amounts listed above, you may qualify for

>Medicaid.

>

>Supplimental Security Income Benefits (SSI): This is a monthly

>benefit paid by

>the Social Security Administration to people with limited income and

>resources

>who are disabled, blind or age 65 or older. You must be a resident of

>the United

>States, not be absent from the country for more than 30 days, and be

>either a US

>citizen or national, or in on of certain categories of eligible non-

>citizens.

>For more information, call Social Security at 1. or

>contact your

>local Social security office. TTY users should call 1..

>You can also

>go to www.socialsecurity. gov and use the Benefits Eligibility

>Screening Tool

>(BEST) to find out if you are either eligible for SSI or other

>benefits to help

>you decide wheterh to apply.

>

>Medicare Approved Drug Discount Cards: Introduced in 2004 to help

>people on

>Medicare get a discount on their prescription drugs. Medicare

>perscription drug

>coverage beings in 2006. The drug discount cards aer temproarty and

>Medicare

>approved drug discount cards end in 2006. You can continue to use

>your drug

>discount card until May 15th, 2006, or until you join a drug plan,

>whichever

>comes first. If you qualified for your Medicare approved drug

>discount card, you

>may also qualify for help paying your drug plan costs. To find out

>more, visit

>www.medicare. gov on the web or call 1.800.MEDICARE (1.)

>TTY users

>should call 1.

>

>GOVERNMENT PROGRAMS TO HELP LOW-INCOME PEOPLE ON MEDICARE

>(This is the way it used to work so things may have changed a little

>bit for

>2006)

>What government programs can help low-income people on Medicare get

>better

>health coverage?

>There are a number of government programs that can help low-income

>people on

>Medicare get better health coverage. They are the Medicaid, the

>Qualified

>Medicare Beneficiary program (QMB), the Specified Low-income Medicare

>Beneficiary (SLMB) program, the Qualifying Individual-1 (QI-1)

>program, and the

>Qualifying Individual-2 (QI-2) program.

>If you have QMB and/or Medicaid, Medicare should pay first and

>QMB/Medicaid

>should pay what's left over. Both programs pay your Medicare

>premiums. Your

>Medicare deductibles and co-insurance are covered as long as you go to

>Medicaid-participa ting providers. If you do not go to Medicaid-

>participating

>providers, you may be responsible for the Medicare deductibles and co-

>insurance.

>You can have both Medicaid and QMB at the same time. You can also

>have both

>Medicaid and SLMB, QI-1, or QI-2 at the same time.

>

>Can low-income people on Medicare also receive Medicaid benefits?

>For low-income people with Medicare, Medicaid acts as a " secondary "

>payer that

>also covers prescription drugs, eyeglasses, hearing aids, and long-

>term care. A

>single person's income cannot be higher than $654 a month to qualify

>for this

>coverage, and a couple's income must be below $945 a month. A single

>person's

>assets (savings accounts, checking accounts, IRA's, bonds, property,

>automobiles, etc.) cannot be higher than $3,800 and a couple's assets

>cannot be

>higher than $5,500. People whose income is above these limits, who

>also have

>high medical costs for which they have no coverage, may be able to

>get Medicaid

>coverage through the Medicaid " spend-down " program.

>(for a publication that explains how Medicare works with other

>insurances, as

>for Medicare and Other Health Benefits: Your Guide to Who Pays First -

> 02179 or

>download a PDF file at

>http://www.medicare .gov/Publication s/Search/ Results.asp?

>PubID=02179 & Type=PubID & L\

>anguage=English

>

>Q. What are the Qualifying Individual-1 (QI-1) and the Qualifying

>Individual- 2

>program (QI-2) programs?

>A. The QI-1 program pays the entire monthly premium for Medicare Part

>B, which

>is currently $88.50 a month. To qualify, a single person's income

>cannot exceed

>$1,017 a month and a couple's income cannot exceed $1,364 a month.

>The QI-2

>program pays only up to $34.44 per year towards the monthly Part B

>premium, but

>it has a higher income eligibility limit ($1,313 a month for a single

>person and

>$1,762 a month for couples). Most importantly, there are no asset

>limits for

>these two programs so people can have any amount of money in assets

>and still

>qualify.

>

>To find out if you qualify for any of the programs listed above, you

>can call

>the Medicare Rights Center at 1-.

>

>What to bring to your Medicaid QMB, SLMB, QI-1 or QI-2 interview:

>Proof of identity and residence

>Proof of citizenship/ legal alien status

>Social Security and Medicare cards Proof of disability (if applicable)

>Proof of employment status

>Information about all income and assets (bank statements, stock

>certificates,

>insurance policies, etc.)

>

>Other Government Programs that assist Low Income people

>

>U.S. Department of Agriculture

>The U.S. Department of Agriculture (USDA) has a loan program entitled

>the

>Farmer's Home Administration (FmHA). This loan program provides loans

>to

>low-income borrowers who live in a rural area so they can make

>improvements to

>their home.

>

>U.S. Department of Housing and Urban Development (HUD)

>The U.S. Department of Housing and Urban Development (HUD) contains

>two helpful

>resources. The first is the HUD lender list search which allows you

>to locate

>various types of lenders (reverse mortgage, insurance, and

>rehabilitation) in

>your area. The second resource is the HUD list of housing counseling

>agencies.

>These agencies can give you advice on buying or renting a home,

>defaults,

>foreclosures, credit issues, and reverse mortgages. You can get this

>information

>by looking at the HUD website or by calling HUD at 1-.

>You can also contact HUD for information about the FHA 203K program

>for home

>repairs for low-income families.

>

>Other Insurance and Ways to Pay Health Care Costs

>

>Employer and Union health coverage

>Veterans Benefits

>Military Retiree Benefits (TRICARE)

>Federal Employee Health Benefits Program (FEHB)

>Paying for Long Term Care

>

>For more information about how other kinds of insurance work with

>Medicare,

>visit www.medicare. gov on the web, call your State Health Insurance

>Assistance

>Program (the telephone nujmber for your state is listed on the inside

>back cover

>of the Medicare and You 2006 official government handbook), or call 1

>800

>MEDICARE (1 to get a FREE copy of Medicare and Other

>Health

>Benefits: Your Guide to Who Pays First " (CMS Pub. No. 02179)

>

>

>

>

>(Beautiful Southern Oregon, USA)

>

>We may not be able to change the direction of the wind, but we can

>adjust our

>sails.

>

>May you have enough happiness to make you kind, enough trials to make

>you

>strong, enough sorrow to keep you human, enough hope to make you

>happy.

>

>

>

>

>

>

>___________ _________ _________ _________ _________ ___

>

[Guest guest]

----- Forwarded Message -----

To: aosdstilligans <stillsdisease >

Sent: Tuesday, January 31, 2012 6:26:12 PM

Subject: Fw: EDU: Disabilty information/Government Programs for

Low-Income People on Medicare

Subject: RE: EDU: Disabilty information/Government Programs for

Low-Income People on Medicare

>

>Subject: EDU: Disabilty information/ Government Programs for

>Low-Income People on Medicare

>Date: Sun, 10 Sep 2006 06:04:40 -0000

>

>For those of you who are in the U.S. A. and are low income, you might

>find

>this quite interesting. Let's hope it helps some of you. I pulled

>information on

>the programs directly from www.medicare. gov, www.socialsecurity. gov

>and the

>Medicare and You 2006 Handbook.

>

>Government Programs for Low-Income People on Medicare

>

>Extra help paying for Meicare Prescription Drug Coverage: If you have

>limited

>income and resources, you may qualify for extra help paying your

>prescription

>drug costs. If you qualify, you will get help paying for your drug

>plan's

>monthly premium, yearly deductable, and prescrition copayments. You

>may qualify

>if your resources are less than $11,500 if you are single or $23,000

>if you are

>married and living with your spouse. If you think you may qualify,

>call

>1., visit www.socialsecurity. gov on the web or apply at

>your State

>Medical Assistance office. To locate the State Medical Assistance

>organization

>for your area you can visit www.medicare. gove on the web or call

> to

>get the telephone number for your state.

>

>Specified Low-income Medicare Beneficiary Program (SLMB) A Medicaid

>program

>that pays for Medicare Part B premiums for individuals who have

>Medicare Part A,

>a low monthly income, and limited resources.

>

>Qualified Medicare Beneficiary Program (QMB) This is a Medicaid

>program for

>beneficiaries who need help in paying for Medicare services. The

>beneficiary

>must have Medicare Part A and limited income and resources. For those

>who

>qualify, the Medicaid program pays Medicare Part A premiums, Part B

>premiums,

>and Medicare deductibles and coinsurance amounts for Medicare

>services.

>

>Qualifying Individual-1 (QI-1) This is a Medicaid program for

>beneficiaries

>who need help in paying for Medicare Part B premiums. The beneficiary

>must have

>Medicare Part A and limited income and resources and not be otherwise

>eligible

>for Medicaid. For those who qualify, the Medicaid program pays full

>Medicare

>Part B premiums only.

>

>Qualifying Individual-2 (QI-2) Programs This is a Medicaid program for

>beneficiaries who need help in paying for Medicare Part B premiums.

>The

>beneficiary must have Medicare Part A and limited income and

>resources and not

>be otherwise eligible for Medicaid. For those who qualify, Medicaid

>pays a

>percentage of Medicare Part B premiums only.

>

>Medicaid A joint federal and state program that helps with medical

>costs for

>some people with low incomes and limited resources. Medicaid programs

>vary from

>state to state, but most health care costs are covered if you qualify

>for both

>Medicare and Medicaid.

>

>Medicare Savings Programs (help from your sate Medicaid program paying

>Medicare premiums) There are programs that help millions of people

>with Medicare

>save money each year. States have programs for people with limited

>incomes and

>resources that pay Medicare premiums. Some programs may also pay

>Medicare

>deductibles and coinsurance. You can apply for these programs if: You

>have

>Medicare Part A (Hospital Insurance). (If you are eligible for

>Medicare Part A

>but don't think you can afford it, there is a program that may pay

>the Medicare

>Part A premium for you.), you are an individual with resources of

>$4,000 or

>less, or are a couple with resources of $6,000 or less. Resources

>include money

>in a savings or checking account, stocks, or bonds and You are an

>individual

>with a monthly income of less than $1,031, or a couple with a monthly

>income of

>less than $1,384. Income limits will change slightly in 2004. If you

>live in

>Hawaii or Alaska, income limits are slightly higher. Note: If your

>income is less than the amounts listed above, you may qualify for

>Medicaid.

>

>Supplimental Security Income Benefits (SSI): This is a monthly

>benefit paid by

>the Social Security Administration to people with limited income and

>resources

>who are disabled, blind or age 65 or older. You must be a resident of

>the United

>States, not be absent from the country for more than 30 days, and be

>either a US

>citizen or national, or in on of certain categories of eligible non-

>citizens.

>For more information, call Social Security at 1. or

>contact your

>local Social security office. TTY users should call 1..

>You can also

>go to www.socialsecurity. gov and use the Benefits Eligibility

>Screening Tool

>(BEST) to find out if you are either eligible for SSI or other

>benefits to help

>you decide wheterh to apply.

>

>Medicare Approved Drug Discount Cards: Introduced in 2004 to help

>people on

>Medicare get a discount on their prescription drugs. Medicare

>perscription drug

>coverage beings in 2006. The drug discount cards aer temproarty and

>Medicare

>approved drug discount cards end in 2006. You can continue to use

>your drug

>discount card until May 15th, 2006, or until you join a drug plan,

>whichever

>comes first. If you qualified for your Medicare approved drug

>discount card, you

>may also qualify for help paying your drug plan costs. To find out

>more, visit

>www.medicare. gov on the web or call 1.800.MEDICARE (1.)

>TTY users

>should call 1.

>

>GOVERNMENT PROGRAMS TO HELP LOW-INCOME PEOPLE ON MEDICARE

>(This is the way it used to work so things may have changed a little

>bit for

>2006)

>What government programs can help low-income people on Medicare get

>better

>health coverage?

>There are a number of government programs that can help low-income

>people on

>Medicare get better health coverage. They are the Medicaid, the

>Qualified

>Medicare Beneficiary program (QMB), the Specified Low-income Medicare

>Beneficiary (SLMB) program, the Qualifying Individual-1 (QI-1)

>program, and the

>Qualifying Individual-2 (QI-2) program.

>If you have QMB and/or Medicaid, Medicare should pay first and

>QMB/Medicaid

>should pay what's left over. Both programs pay your Medicare

>premiums. Your

>Medicare deductibles and co-insurance are covered as long as you go to

>Medicaid-participa ting providers. If you do not go to Medicaid-

>participating

>providers, you may be responsible for the Medicare deductibles and co-

>insurance.

>You can have both Medicaid and QMB at the same time. You can also

>have both

>Medicaid and SLMB, QI-1, or QI-2 at the same time.

>

>Can low-income people on Medicare also receive Medicaid benefits?

>For low-income people with Medicare, Medicaid acts as a " secondary "

>payer that

>also covers prescription drugs, eyeglasses, hearing aids, and long-

>term care. A

>single person's income cannot be higher than $654 a month to qualify

>for this

>coverage, and a couple's income must be below $945 a month. A single

>person's

>assets (savings accounts, checking accounts, IRA's, bonds, property,

>automobiles, etc.) cannot be higher than $3,800 and a couple's assets

>cannot be

>higher than $5,500. People whose income is above these limits, who

>also have

>high medical costs for which they have no coverage, may be able to

>get Medicaid

>coverage through the Medicaid " spend-down " program.

>(for a publication that explains how Medicare works with other

>insurances, as

>for Medicare and Other Health Benefits: Your Guide to Who Pays First -

> 02179 or

>download a PDF file at

>http://www.medicare .gov/Publication s/Search/ Results.asp?

>PubID=02179 & Type=PubID & L\

>anguage=English

>

>Q. What are the Qualifying Individual-1 (QI-1) and the Qualifying

>Individual- 2

>program (QI-2) programs?

>A. The QI-1 program pays the entire monthly premium for Medicare Part

>B, which

>is currently $88.50 a month. To qualify, a single person's income

>cannot exceed

>$1,017 a month and a couple's income cannot exceed $1,364 a month.

>The QI-2

>program pays only up to $34.44 per year towards the monthly Part B

>premium, but

>it has a higher income eligibility limit ($1,313 a month for a single

>person and

>$1,762 a month for couples). Most importantly, there are no asset

>limits for

>these two programs so people can have any amount of money in assets

>and still

>qualify.

>

>To find out if you qualify for any of the programs listed above, you

>can call

>the Medicare Rights Center at 1-.

>

>What to bring to your Medicaid QMB, SLMB, QI-1 or QI-2 interview:

>Proof of identity and residence

>Proof of citizenship/ legal alien status

>Social Security and Medicare cards Proof of disability (if applicable)

>Proof of employment status

>Information about all income and assets (bank statements, stock

>certificates,

>insurance policies, etc.)

>

>Other Government Programs that assist Low Income people

>

>U.S. Department of Agriculture

>The U.S. Department of Agriculture (USDA) has a loan program entitled

>the

>Farmer's Home Administration (FmHA). This loan program provides loans

>to

>low-income borrowers who live in a rural area so they can make

>improvements to

>their home.

>

>U.S. Department of Housing and Urban Development (HUD)

>The U.S. Department of Housing and Urban Development (HUD) contains

>two helpful

>resources. The first is the HUD lender list search which allows you

>to locate

>various types of lenders (reverse mortgage, insurance, and

>rehabilitation) in

>your area. The second resource is the HUD list of housing counseling

>agencies.

>These agencies can give you advice on buying or renting a home,

>defaults,

>foreclosures, credit issues, and reverse mortgages. You can get this

>information

>by looking at the HUD website or by calling HUD at 1-.

>You can also contact HUD for information about the FHA 203K program

>for home

>repairs for low-income families.

>

>Other Insurance and Ways to Pay Health Care Costs

>

>Employer and Union health coverage

>Veterans Benefits

>Military Retiree Benefits (TRICARE)

>Federal Employee Health Benefits Program (FEHB)

>Paying for Long Term Care

>

>For more information about how other kinds of insurance work with

>Medicare,

>visit www.medicare. gov on the web, call your State Health Insurance

>Assistance

>Program (the telephone nujmber for your state is listed on the inside

>back cover

>of the Medicare and You 2006 official government handbook), or call 1

>800

>MEDICARE (1 to get a FREE copy of Medicare and Other

>Health

>Benefits: Your Guide to Who Pays First " (CMS Pub. No. 02179)

>

>

>

>

>(Beautiful Southern Oregon, USA)

>

>We may not be able to change the direction of the wind, but we can

>adjust our

>sails.

>

>May you have enough happiness to make you kind, enough trials to make

>you

>strong, enough sorrow to keep you human, enough hope to make you

>happy.

>

>

>

>

>

>

>___________ _________ _________ _________ _________ ___

>

[Guest guest]

----- Forwarded Message -----

To: aosdstilligans <stillsdisease >

Sent: Tuesday, January 31, 2012 6:26:12 PM

Subject: Fw: EDU: Disabilty information/Government Programs for

Low-Income People on Medicare

Subject: RE: EDU: Disabilty information/Government Programs for

Low-Income People on Medicare

>

>Subject: EDU: Disabilty information/ Government Programs for

>Low-Income People on Medicare

>Date: Sun, 10 Sep 2006 06:04:40 -0000

>

>For those of you who are in the U.S. A. and are low income, you might

>find

>this quite interesting. Let's hope it helps some of you. I pulled

>information on

>the programs directly from www.medicare. gov, www.socialsecurity. gov

>and the

>Medicare and You 2006 Handbook.

>

>Government Programs for Low-Income People on Medicare

>

>Extra help paying for Meicare Prescription Drug Coverage: If you have

>limited

>income and resources, you may qualify for extra help paying your

>prescription

>drug costs. If you qualify, you will get help paying for your drug

>plan's

>monthly premium, yearly deductable, and prescrition copayments. You

>may qualify

>if your resources are less than $11,500 if you are single or $23,000

>if you are

>married and living with your spouse. If you think you may qualify,

>call

>1., visit www.socialsecurity. gov on the web or apply at

>your State

>Medical Assistance office. To locate the State Medical Assistance

>organization

>for your area you can visit www.medicare. gove on the web or call

> to

>get the telephone number for your state.

>

>Specified Low-income Medicare Beneficiary Program (SLMB) A Medicaid

>program

>that pays for Medicare Part B premiums for individuals who have

>Medicare Part A,

>a low monthly income, and limited resources.

>

>Qualified Medicare Beneficiary Program (QMB) This is a Medicaid

>program for

>beneficiaries who need help in paying for Medicare services. The

>beneficiary

>must have Medicare Part A and limited income and resources. For those

>who

>qualify, the Medicaid program pays Medicare Part A premiums, Part B

>premiums,

>and Medicare deductibles and coinsurance amounts for Medicare

>services.

>

>Qualifying Individual-1 (QI-1) This is a Medicaid program for

>beneficiaries

>who need help in paying for Medicare Part B premiums. The beneficiary

>must have

>Medicare Part A and limited income and resources and not be otherwise

>eligible

>for Medicaid. For those who qualify, the Medicaid program pays full

>Medicare

>Part B premiums only.

>

>Qualifying Individual-2 (QI-2) Programs This is a Medicaid program for

>beneficiaries who need help in paying for Medicare Part B premiums.

>The

>beneficiary must have Medicare Part A and limited income and

>resources and not

>be otherwise eligible for Medicaid. For those who qualify, Medicaid

>pays a

>percentage of Medicare Part B premiums only.

>

>Medicaid A joint federal and state program that helps with medical

>costs for

>some people with low incomes and limited resources. Medicaid programs

>vary from

>state to state, but most health care costs are covered if you qualify

>for both

>Medicare and Medicaid.

>

>Medicare Savings Programs (help from your sate Medicaid program paying

>Medicare premiums) There are programs that help millions of people

>with Medicare

>save money each year. States have programs for people with limited

>incomes and

>resources that pay Medicare premiums. Some programs may also pay

>Medicare

>deductibles and coinsurance. You can apply for these programs if: You

>have

>Medicare Part A (Hospital Insurance). (If you are eligible for

>Medicare Part A

>but don't think you can afford it, there is a program that may pay

>the Medicare

>Part A premium for you.), you are an individual with resources of

>$4,000 or

>less, or are a couple with resources of $6,000 or less. Resources

>include money

>in a savings or checking account, stocks, or bonds and You are an

>individual

>with a monthly income of less than $1,031, or a couple with a monthly

>income of

>less than $1,384. Income limits will change slightly in 2004. If you

>live in

>Hawaii or Alaska, income limits are slightly higher. Note: If your

>income is less than the amounts listed above, you may qualify for

>Medicaid.

>

>Supplimental Security Income Benefits (SSI): This is a monthly

>benefit paid by

>the Social Security Administration to people with limited income and

>resources

>who are disabled, blind or age 65 or older. You must be a resident of

>the United

>States, not be absent from the country for more than 30 days, and be

>either a US

>citizen or national, or in on of certain categories of eligible non-

>citizens.

>For more information, call Social Security at 1. or

>contact your

>local Social security office. TTY users should call 1..

>You can also

>go to www.socialsecurity. gov and use the Benefits Eligibility

>Screening Tool

>(BEST) to find out if you are either eligible for SSI or other

>benefits to help

>you decide wheterh to apply.

>

>Medicare Approved Drug Discount Cards: Introduced in 2004 to help

>people on

>Medicare get a discount on their prescription drugs. Medicare

>perscription drug

>coverage beings in 2006. The drug discount cards aer temproarty and

>Medicare

>approved drug discount cards end in 2006. You can continue to use

>your drug

>discount card until May 15th, 2006, or until you join a drug plan,

>whichever

>comes first. If you qualified for your Medicare approved drug

>discount card, you

>may also qualify for help paying your drug plan costs. To find out

>more, visit

>www.medicare. gov on the web or call 1.800.MEDICARE (1.)

>TTY users

>should call 1.

>

>GOVERNMENT PROGRAMS TO HELP LOW-INCOME PEOPLE ON MEDICARE

>(This is the way it used to work so things may have changed a little

>bit for

>2006)

>What government programs can help low-income people on Medicare get

>better

>health coverage?

>There are a number of government programs that can help low-income

>people on

>Medicare get better health coverage. They are the Medicaid, the

>Qualified

>Medicare Beneficiary program (QMB), the Specified Low-income Medicare

>Beneficiary (SLMB) program, the Qualifying Individual-1 (QI-1)

>program, and the

>Qualifying Individual-2 (QI-2) program.

>If you have QMB and/or Medicaid, Medicare should pay first and

>QMB/Medicaid

>should pay what's left over. Both programs pay your Medicare

>premiums. Your

>Medicare deductibles and co-insurance are covered as long as you go to

>Medicaid-participa ting providers. If you do not go to Medicaid-

>participating

>providers, you may be responsible for the Medicare deductibles and co-

>insurance.

>You can have both Medicaid and QMB at the same time. You can also

>have both

>Medicaid and SLMB, QI-1, or QI-2 at the same time.

>

>Can low-income people on Medicare also receive Medicaid benefits?

>For low-income people with Medicare, Medicaid acts as a " secondary "

>payer that

>also covers prescription drugs, eyeglasses, hearing aids, and long-

>term care. A

>single person's income cannot be higher than $654 a month to qualify

>for this

>coverage, and a couple's income must be below $945 a month. A single

>person's

>assets (savings accounts, checking accounts, IRA's, bonds, property,

>automobiles, etc.) cannot be higher than $3,800 and a couple's assets

>cannot be

>higher than $5,500. People whose income is above these limits, who

>also have

>high medical costs for which they have no coverage, may be able to

>get Medicaid

>coverage through the Medicaid " spend-down " program.

>(for a publication that explains how Medicare works with other

>insurances, as

>for Medicare and Other Health Benefits: Your Guide to Who Pays First -

> 02179 or

>download a PDF file at

>http://www.medicare .gov/Publication s/Search/ Results.asp?

>PubID=02179 & Type=PubID & L\

>anguage=English

>

>Q. What are the Qualifying Individual-1 (QI-1) and the Qualifying

>Individual- 2

>program (QI-2) programs?

>A. The QI-1 program pays the entire monthly premium for Medicare Part

>B, which

>is currently $88.50 a month. To qualify, a single person's income

>cannot exceed

>$1,017 a month and a couple's income cannot exceed $1,364 a month.

>The QI-2

>program pays only up to $34.44 per year towards the monthly Part B

>premium, but

>it has a higher income eligibility limit ($1,313 a month for a single

>person and

>$1,762 a month for couples). Most importantly, there are no asset

>limits for

>these two programs so people can have any amount of money in assets

>and still

>qualify.

>

>To find out if you qualify for any of the programs listed above, you

>can call

>the Medicare Rights Center at 1-.

>

>What to bring to your Medicaid QMB, SLMB, QI-1 or QI-2 interview:

>Proof of identity and residence

>Proof of citizenship/ legal alien status

>Social Security and Medicare cards Proof of disability (if applicable)

>Proof of employment status

>Information about all income and assets (bank statements, stock

>certificates,

>insurance policies, etc.)

>

>Other Government Programs that assist Low Income people

>

>U.S. Department of Agriculture

>The U.S. Department of Agriculture (USDA) has a loan program entitled

>the

>Farmer's Home Administration (FmHA). This loan program provides loans

>to

>low-income borrowers who live in a rural area so they can make

>improvements to

>their home.

>

>U.S. Department of Housing and Urban Development (HUD)

>The U.S. Department of Housing and Urban Development (HUD) contains

>two helpful

>resources. The first is the HUD lender list search which allows you

>to locate

>various types of lenders (reverse mortgage, insurance, and

>rehabilitation) in

>your area. The second resource is the HUD list of housing counseling

>agencies.

>These agencies can give you advice on buying or renting a home,

>defaults,

>foreclosures, credit issues, and reverse mortgages. You can get this

>information

>by looking at the HUD website or by calling HUD at 1-.

>You can also contact HUD for information about the FHA 203K program

>for home

>repairs for low-income families.

>

>Other Insurance and Ways to Pay Health Care Costs

>

>Employer and Union health coverage

>Veterans Benefits

>Military Retiree Benefits (TRICARE)

>Federal Employee Health Benefits Program (FEHB)

>Paying for Long Term Care

>

>For more information about how other kinds of insurance work with

>Medicare,

>visit www.medicare. gov on the web, call your State Health Insurance

>Assistance

>Program (the telephone nujmber for your state is listed on the inside

>back cover

>of the Medicare and You 2006 official government handbook), or call 1

>800

>MEDICARE (1 to get a FREE copy of Medicare and Other

>Health

>Benefits: Your Guide to Who Pays First " (CMS Pub. No. 02179)

>

>

>

>

>(Beautiful Southern Oregon, USA)

>

>We may not be able to change the direction of the wind, but we can

>adjust our

>sails.

>

>May you have enough happiness to make you kind, enough trials to make

>you

>strong, enough sorrow to keep you human, enough hope to make you

>happy.

>

>

>

>

>

>

>___________ _________ _________ _________ _________ ___

>