Turning 65–August 1949 Famous Birthdays

1st

Jim Carroll.  An American author, spoken-word poet and musician, he is best known for his autobiographical work, The Basketball Diaries. He published a second memoir, Forced Entries: The Downtown Diaries 1971–1973, in 1987.

2nd

“Fat” Larry James, US drummer (Fat Larry’s Band)
James Fallows, American journalist
3rd 

Morris “B B” Dickerson, Torrence Ca, bassist (War, Low Rider, Outlaw)
Reed Waller, American comic book author
Valeri Vasiliev, Gorky Soviet Union, ice hockey defenceman (2x oly gold), (d. 2012)
4th

John Riggins, NFL running back (NY Jets, Wash Redskins).  “THE DIESEL”
6th

Joyce McKinney, Avery County NC, Miss Wyoming (1972)
Dino Bravo, Canadian professional wrestler (d. 1993)
8th 

Airrion Love, US singer (Stylistics-16 Bars)
Keith Carradine, San Mateo California, actor (Young Guns, Pretty Baby)
Ricardo Londoño, Colombian racing driver
9th 

Jonathan Kellerman, American writer
10th

Gene Johnson, Sugar Grove Pa, singer (Diamond Rio-Meet in the Middle)
11th

Eric Carmen, Cleveland Ohio, rocker (All by Myself)
Ian Charleson, Edinburgh Scotland, actor (Gandhi, Chariots of Fire)
Tim Hutchinson, (Rep-R-Arkansas)
12th

Mark Knopfler, guitar/vocals (Dire Straits-Sultans of Swing)
13th

Bobby Clarke, Manitoba, NHL player/coach (Phila Flyer)
Peter J Visclosky, (Rep-D-Indiana, 1985- )
Sheralee, Fort Lauderdale, Florida, vocalist (Your Hit Parade)
14th

Bob Backlund, American wrestler
15th 

Ann Ryerson, Wisc, actress (Pvt Carol Winter-Pvt Benjamin)
Kate Taylor, rocker
Beverly Lynn Burns, Americna pilot, first woman captain in the world on the Boeing 747
Richard Deacon, Welsh sculptor
16th 

Bill Spooner, rock guitarist/vocalist (Tubes)
Scott Asheton, American musician (The Stooges)
17th 

Sib Hashian, Boston Mass, rock drummer (Boston)
Norm Coleman, American politician
18th

Nigel Griggs, rocker (Split Enz)
20th 

Nikolas Asimos, Greek composer and singer (d. 1988)
Phil Lynott, Irish musician (d. 1986)
21st

Loretta Devine, American actress
22nd

Diana Nyad, swimmer (1st to swim Bahamas to Fla-1979)
Doug Bair, baseball player
Þórarinn Eldjárn, Icelandic writer
Alfred Musema, Rwandan genocidaire
23rd

Christopher Blake, actor (Alexa)
John Bauldie, music journalist/dylanologist
Norah Ellen O’Neill, airline pilot (Flying Tigers)
Rick Springfield, Australia, (General Hospital, Jessie’s Girl)
Shelley Long, Fort Wayne Indiana, actress (Diane-Cheers, Money Pit)
Woody Paul, [Paul Chrisman], Nashville, singer (Riders in the Sky)
24th 

Anna Lee Fisher, St Albans NY, MD/astronaut (STS 51-A)
Joe Regalbuto, Brooklyn New York, American actor (Knots Landing, Frank-Murphy Brown)
Stephen Harrison Paulus, composer
Charles Rocket, American actor (d. 2005)
25th

Gene Simmons, [Chaim Witz], Haifa Israel, rock guitarist (KISS-Beth)
John Savage, Old Bethpage NY, actor (Deer Hunter, Maria’s Lovers)
Martin Amis, English novelist
Fariborz Lachini, Canadian-Iranian composer
26th

John Baldwin, Detroit, light middleweight boxer (Olympic-bronze-1968)
Robert (Bob) Cowsill, Newport RI, (Cowsills – Hair, We Can Fly)
27th

Douglas Fred Tewell, Baton Rouge LA, PGA golfer (1980 Sea Pines)
Edmund Weiner, lexicographer
Jeff Cook, Fort Payne Ala, country guitar/vocalist (Alabama-Mt Music)
28th

Hugh Cornwell, rocker (The Stranglers-Dreamtime)
29th

Peter John Wiegold, composer
30th

Peter Maffay, German musician
Ted Ammon, American financier (d. 2001)
Christopher Collins, American actor and comedian (d. 1994)

Richard Gere, Philadelphia PA, actor (Cotton Club, Pretty Woman, An Officer and a Gentleman)

Rick Roberts, rocker (Firefall)

July 1949 Events, News and Famous Birthdays

July 1

Birthdays-

  • John Farnham, singer, Little River Band

Events-

  • Bao Dai’s Republic of Vietnam gains independence from France
  • WBRC TV channel 6 in Birmingham, AL (ABC) begins broadcasting
  • WCCO TV channel 4 in Minneapolis-St Paul, MN (CBS) begins broadcasting

July 2

Birthdays-

  • Roy Bittan, Musician (E Street Band)

Events-

  • “High Button Shoes” closes at Century Theater NYC after 727 performances
  • “Red Barber’s Clubhouse” sports show premieres on CBS (later NBC) TV

 

July 3

Birthdays-

  • Jan Smithers, N Hollywood California, actress (Bailey-WKRP)
  • Susan Penhaligon, Manilla Philippines, actress (Dracula, Nasty Habits)
  • Johnnie Wilder, Jr., American singer (Heatwave) (d. 2006)

Events-

July 4

Birthdays-

  • Tonio K, American singer/songwriter

Events-

July 5

Birthdays-

  • Benny Stolovitz, fictional character on LA Law

Events-

July 6

Birthdays-

  • Shelley Hack, Greenwich Ct, actress (Tiffany Welles-Charlie’s Angel)

Events-

  • Cincinnati Red Walker Cooper gets 10 RBIs
  • Freak heat wave sent central coast of Portugal to 158°F for 2 minutes

July 7

Birthdays-

  • Shelley Duvall, Houston Texas, actress (Popeye, Faery Tale Theater)

Events-

  • “Cabatgata (A Night in Spain)” opens at Broadway NYC for 76 performances
  • “Dragnet” premieres on NBC radio; also a TV series in 1951 & 1967

July 8

Birthdays-

  • Frank Delima, American comedian
  • Dale Hoganson, Canadian ice hockey player
  • Wolfgang Puck, Austrian-born celebrity chef

Events-

  • Monte Irvin & Hank Thompson are 1st African-Americans to play for NY Giants

July 9

Birthdays-

Events-

  • 78th British Golf Open: Bobby Locke shoots a 283 at Royal St George’s Golf Club

July 10

Birthdays-

  • Dave Smally, musician (Raspberries)
  • Mark Shera, Bayonne NJ, actor (SWAT, Barnaby Jones)
  • Wally Bryson, NC, rock guitarist/vocalist (Fotomaker, Raspberries)
  • Greg Kihn U.S. pop musician & radio personality.
  • John Whitehead, American singer and record producer

Events-

  • 1st practical rectangular TV tube announced-Toledo, Oh
  • WJAR TV channel 10 in Providence, RI (NBC) begins broadcasting

July 11

Birthdays-

Events-

July 12

Birthdays-

  • John Wetton, Willington Derbyshire, British rock vocalist/bassist (Asia, King Crimson)
  • Rick Hendrick, American NASCAR team owner, and car dealer.

Events-

  • 16th All Star Baseball Game: AL wins 11-7 at Ebbets Field, Brooklyn
  • Baseball owners agree to erect warning paths before each fence
  • LA Rams sign Norm Van Brocklin

July 13

Birthdays-

Events-

  • Pope Pius XII excommunicates communist Catholics

July 14

Birthdays-

  • Joyce Benson, LPGA golfer

Events-

  • USSR explodes their 1st atom bomb

July 15

Birthdays-

  • Trevor Horn, rock producer (Buggles-“Video Killed The Radio Star”—First Video aired on MTV, Yes, Frankie Goes to Hollywood)

Events-

  • “Miss Liberty” opens at Imperial Theater NYC for 308 performances
  • WBTV TV channel 3 in Charlotte, NC (CBS) begins broadcasting

July 16

Birthdays-

  • Alan “Fitz” Fitzgerald, rock keyboardist/vocalist (Night Ranger)
  • Cyndy Garvey, Detroit, wife of Steve Garvey, talk show host (AM LA)
  • Ray Major, rock guitarist (British Lions)

Events-

July 17

Birthdays-

  • Mick Tucker, London, rock drummer (Sweet Harlesden)
  • Mike Vale, rock bassist (Tommy James & The Shondells)
  • Terry “Geezer” Butler, Birmingham, rock bassist (Black Sabbath)
  • Charlie Steiner, American sports broadcaster

Events-

July 18

Birthdays-

Events-

July 19

Birthdays-

Events-

  • Laos becomes associated state within French Union

July 20

Birthdays-

Events-

  • Israel’s 19 month war of independence ends

July 21

Birthdays-

  • Ludmila Smirnova, USSR, pairs figure skater (Olympic-silver-1972)
  • Al Hrabosky, baseball player

Events-

  • Senate ratifies North Atlantic Treaty by a vote of 82-13 (NATO)

July 22

Birthdays-

  • Dianne Dailey, LPGA golfer
  • Alan Menken, New York, Disney composer (Aladdin, Beauty and the Beast – 8 Oscars)

Events-

July 23

Birthdays-

Events-

July 24

Birthdays-

  • Michael Richards, Los Angeles California, comedian (Fridays, Kramer-Seinfeld)

Events-

  • Inidian pitcher Bob Lemon hits 2 HRs to beat Senators, 7-5

July 25

Birthdays-

Events-

  • St Louis Cardinal Stan Musial hits for the cycle beating Brooklyn 14-1

July 26

Birthdays-

  • Roger Taylor, British rock drummer (Queen-Bohemian Rhapsody)
  • William M Shepherd, Oak Ridge Tn, Capt USN/astronaut (STS 27, 41, 52)

Events-

  • WCPO TV channel 9 in Cincinnati, OH (CBS) begins broadcasting

July 27

Birthdays-

  • David Muse, rocker (Firefall)
  • Jeremy Thomas, actor (Family Life)
  • Maureen McGovern, Youngstown Oh, singer (Got To Be a Morning After)
  • André Dupont, Quebec ice hockey player

Events-

  • 1st jet-propelled airline (De Havilland Comet) flies

July 28

Birthdays-

  • Simon Kirke, London UK, rock drummer (Bad Company)
  • Steven Peregrine Took, rocker (T-Rex)
  • Vida Blue, major-league pitcher (Cy Young & AL MVP 1971)
  • Peter Doyle, Australian singer (The New Seekers) (d. 2001)
  • Randall Wallace, American screenwriter and film producer

Events-

July 29

Birthdays-

  • Marilyn Tucker Quayle, novelist/wife of Vice President Dan Quayle (1989-93)
  • Stephen Burleigh, Wheeling WV, actor (Love & Betrayal, Afterburn)
  • Leslie Easterbrook, Los Angeles, California, American actress (The Devil’s Rejects, Police Academy)

Events-

  • Airlift in West-Germany to West-Berlin ends
  • BBC radio begins broadcasting

July 30

Birthdays-

  • Joyce Jones, US singer (1st Choice)
  • Duck Baker, American guitarist

Events-

  • British warship HMS Amethyst escape down Yangtze River, having been refused a safe passage by Chinese Communists after 3-month standoff

 

Aside

Medicare General Enrollment Period

Medicare General Enrollment Period: Signing Up for Medicare Part A and/or Part B

The Medicare General Enrollment Period occurs in the beginning of each year and allows eligible individuals to sign up for Medicare.
Many people are automatically in Original Medicare, Part A and Part B, while others have to sign up when they first become eligible during their seven-month Initial Enrollment Period. Outside of these situations, eligible individuals can only enroll if they qualify for a Special Enrollment Period by having and/or losing employer or group coverage. Those who did not sign up when they were first eligible, and don’t qualify based on personal circumstances, have limited other opportunities to sign up for Original Medicare. That’s where the Medicare General Enrollment Period comes in.

What is the Medicare General Enrollment Period?

The Medicare General Enrollment Period, sometimes referred to as GEP, occurs each year from January 1 to March 31.  During this time, eligible beneficiaries have the opportunity to sign up for Medicare Part A hospital benefits and/or Medicare Part B medical benefits. However, keep in mind benefits do not begin immediately. They would have to wait until July 1 for their coverage to begin.

How do I sign up for Part A and/or Part B during this time?

Signing up for Original Medicare during the General Enrollment Period is the same as any other time. Individuals have a few options on how they want to sign up for Part A and Part B, which include:

  • Applying online through the Social Security website
  • Visiting your local Social Security office
  • Calling Social Security at 1-800-772-1213 (TTY 1-800-325-0078)
  • Calling the Railroad Retirement Board at 1-877-772-5775 (TTY 312-751-4701) if you worked for a railroad

How much is coverage after signing up during the Medicare General Enrollment Period?

Individuals who do not sign up for Part A and/or Part B when they are first eligible, and do not qualify for a Special Enrollment Period, may have to pay a late enrollment penalty. Often times, those who sign up for Part A and/or Part B during the General Enrollment Period may have to pay higher premiums for coverage.

Part A coverage usually does not come with a premium if you or a spouse paid Medicare taxes for 10 or more years. However, delaying enrollment means that your monthly Part A premium may increase by 10%. This penalty will be charged for twice the number of years you could have had Part A, but did not sign up for coverage.

Part B coverage always requires a monthly premium, with higher income individuals paying more. This is in part why Part B enrollment is optional. However, not enrolling when you are first eligible, or being eligible for a Special Enrollment Period, means that you may have to have to pay a penalty for as long as you are enrolled in Medicare. Delaying enrollment means that your monthly Part B premium may increase for each 10% for each 12-month period you could have had Part B, but did not sign up for coverage.

 

 

Signing Up for Medicare and West Virginia Social Security Administration Offices

Signing up for Medicare and your local Social Security Office

Below you will find the contact and addresses for your local Social Security Administration Office in West Virginia.

If you are already getting Social Security retirement or disability benefits or railroad retirement checks, you will be contacted a few months before you become eligible for Medicare and given the information you need. If you live in one of the 50 states, Washington, D.C., the Northern
Mariana Islands, Guam, American Samoa or the Virgin Islands, you will be enrolled in Medicare Parts A and B automatically. However, because you must pay a premium for Part B coverage, you have the option of turning it down.

NOTE: Residents of Puerto Rico or foreign countries will not receive Part B automatically. They must elect this benefit.

If you are not already getting retirement benefits, you should contact your local Social Security Administration office about three months before your 65th birthday to sign up for Medicare. You can sign up for Medicare even if you do not plan to retire at age 65.

Once you are enrolled in Medicare, you will receive a red, white and blue Medicare card showing whether you have Part A, Part B or both. Keep your card in a safe place so you will have it when you need it. You also will receive a Medicare & You handbook (Publication No. CMS-10050) that describes your Medicare benefits and plan choices.  Once signed up for Medicare, you will now be able to select how you receive your Medicare benefits, such as enrolling in a Medicare Advantage Plan (Part C) or selecting a Medigap plan and Part D coverage.

http://www.ssa.gov/

By calling 1-800-772-1213, you can use automated telephone services to get recorded information and conduct some business 24 hours a day. If you cannot handle your business through automated services, you can speak to a Social Security representative between 7 a.m. and 7 p.m. Monday through Friday. Generally, you’ll have a shorter wait time if you call during the week after Tuesday. If you are deaf or hard of hearing, call our toll-free TTY number, 1-800-325-0778, between 7 a.m. and 7 p.m. Monday through Friday.

Beckley Social Security Office
307 Beckley Crossing
Beckley, West Virginia 25801
Phone: (304) 253-2742 | 1-800-772-1213
Hours of Operation
Monday: 9:00 AM – 3:00 PM
Tuesday: 9:00 AM – 3:00 PM
Wednesday: 9:00 AM – 12:00 PM
Thursday: 9:00 AM – 3:00 PM
Friday: 9:00 AM – 3:00 PM
Saturday: Closed
Sunday: Closed

Bluefield Social Security Office
3014 E Cumberland Road
Bluefield, West Virginia 24701
Phone: (304) 327-3581 | 1-800-772-1213
Hours of Operation
Monday: 9:00 AM – 3:00 PM
Tuesday: 9:00 AM – 3:00 PM
Wednesday: 9:00 AM – 12:00 PM
Thursday: 9:00 AM – 3:00 PM
Friday: 9:00 AM – 3:00 PM
Saturday: Closed
Sunday: Closed

Charleston Social Security Office
500 Quarrier Street
Charleston, West Virginia 25301
Phone: (304) 347-5217 | 1-800-772-1213
Hours of Operation
Monday: 9:00 AM – 3:00 PM
Tuesday: 9:00 AM – 3:00 PM
Wednesday: 9:00 AM – 12:00 PM
Thursday: 9:00 AM – 3:00 PM
Friday: 9:00 AM – 3:00 PM
Saturday: Closed
Sunday: Closed

Clarksburg Social Security Office
320 W Pike St
Clarksburg, West Virginia 26301
Phone: (304) 623-5641 | 1-800-772-1213
Hours of Operation
Monday: 9:00 AM – 3:00 PM
Tuesday: 9:00 AM – 3:00 PM
Wednesday: 9:00 AM – 12:00 PM
Thursday: 9:00 AM – 3:00 PM
Friday: 9:00 AM – 3:00 PM
Saturday: Closed
Sunday: Closed

Elkins Social Security Office
300 Third Street
Elkins, West Virginia 26241
Phone: (304) 636-3916 | 1-800-772-1213
Hours of Operation
Monday: 9:00 AM – 3:00 PM
Tuesday: 9:00 AM – 3:00 PM
Wednesday: 9:00 AM – 12:00 PM
Thursday: 9:00 AM – 3:00 PM
Friday: 9:00 AM – 3:00 PM
Saturday: Closed
Sunday: Closed

Fairmont Social Security Office
9039 Middletown Mall
Fairmont, West Virginia 26554
Phone: (304) 366-6925 | 1-800-772-1213
Hours of Operation
Monday: 9:00 AM – 3:00 PM
Tuesday: 9:00 AM – 3:00 PM
Wednesday: 9:00 AM – 12:00 PM
Thursday: 9:00 AM – 3:00 PM
Friday: 9:00 AM – 3:00 PM
Saturday: Closed
Sunday: Closed

Huntington Social Security Office
301 9th Street
Huntington, West Virginia 25701
Phone: (866) 931-7078 | 1-800-772-1213
Hours of Operation
Monday: 9:00 AM – 3:00 PM
Tuesday: 9:00 AM – 3:00 PM
Wednesday: 9:00 AM – 12:00 PM
Thursday: 9:00 AM – 3:00 PM
Friday: 9:00 AM – 3:00 PM
Saturday: Closed
Sunday: Closed

Logan Social Security Office
1103 George Kostas Dr
Logan, West Virginia 25601
Phone: (304) 752-5944 | 1-800-772-1213
Hours of Operation
Monday: 9:00 AM – 3:00 PM
Tuesday: 9:00 AM – 3:00 PM
Wednesday: 9:00 AM – 12:00 PM
Thursday: 9:00 AM – 3:00 PM
Friday: 9:00 AM – 3:00 PM
Saturday: Closed
Sunday: Closed

Martinsburg Social Security Office
400 Foxcroft Avenue
Martinsburg, West Virginia 25401
Phone: (304) 263-6912 | 1-800-772-1213
Hours of Operation
Monday: 9:00 AM – 3:00 PM
Tuesday: 9:00 AM – 3:00 PM
Wednesday: 9:00 AM – 12:00 PM
Thursday: 9:00 AM – 3:00 PM
Friday: 9:00 AM – 3:00 PM
Saturday: Closed
Sunday: Closed

Morgantown Social Security Office
5000 Greenbag Rd
Morgantown, West Virginia 26501
Phone: 1-800-772-1213
Hours of Operation
Monday: 9:00 AM – 3:00 PM
Tuesday: 9:00 AM – 3:00 PM
Wednesday: 9:00 AM – 12:00 PM
Thursday: 9:00 AM – 3:00 PM
Friday: 9:00 AM – 3:00 PM
Saturday: Closed
Sunday: Closed

Parkersburg Social Security Office
425 Juliana Street
Parkersburg, West Virginia 26101
Phone: (304) 485-5809 | 1-800-772-1213
Hours of Operation
Monday: 9:00 AM – 3:00 PM
Tuesday: 9:00 AM – 3:00 PM
Wednesday: 9:00 AM – 12:00 PM
Thursday: 9:00 AM – 3:00 PM
Friday: 9:00 AM – 3:00 PM
Saturday: Closed
Sunday: Closed

Petersburg Social Security Office
207 North Main St
Petersburg, West Virginia 26847
Phone: (304) 257-9367 | 1-800-405-2885
Hours of Operation
Monday: 9:00 AM – 3:00 PM
Tuesday: 9:00 AM – 3:00 PM
Wednesday: 9:00 AM – 12:00 PM
Thursday: 9:00 AM – 3:00 PM
Friday: 9:00 AM – 3:00 PM
Saturday: Closed
Sunday: Closed

St Albans Social Security Office
49 Olde Main Plaza
St Albans, West Virginia 25177
Phone: (304) 722-4211 | 1-800-772-1213
Hours of Operation
Monday: 9:00 AM – 3:00 PM
Tuesday: 9:00 AM – 3:00 PM
Wednesday: 9:00 AM – 12:00 PM
Thursday: 9:00 AM – 3:00 PM
Friday: 9:00 AM – 3:00 PM
Saturday: Closed
Sunday: Closed

Welch Social Security Office
50 Mcdowell Street
Welch, West Virginia 24801
Phone: (304) 436-3924 | 1-800-772-1213
Hours of Operation
Monday: 9:00 AM – 3:00 PM
Tuesday: 9:00 AM – 3:00 PM
Wednesday: 9:00 AM – 12:00 PM
Thursday: 9:00 AM – 3:00 PM
Friday: 9:00 AM – 3:00 PM
Saturday: Closed
Sunday: Closed

Wheeling Social Security Office
123 16th Street
Wheeling, West Virginia 26003
Phone: (304) 232-7710 | 1-800-772-1213
Hours of Operation
Monday: 9:00 AM – 3:00 PM
Tuesday: 9:00 AM – 3:00 PM
Wednesday: 9:00 AM – 12:00 PM
Thursday: 9:00 AM – 3:00 PM
Friday: 9:00 AM – 3:00 PM
Saturday: Closed
Sunday: Closed

Williamson Social Security Office
146 East First Ave
Williamson, West Virginia 25661
Phone: (304) 235-0154 | 1-800-772-1213
Hours of Operation
Monday: 9:00 AM – 3:00 PM
Tuesday: 9:00 AM – 3:00 PM
Wednesday: 9:00 AM – 12:00 PM
Thursday: 9:00 AM – 3:00 PM
Friday: 9:00 AM – 3:00 PM
Saturday: Closed
Sunday: Closed

Barbour, Berkeley, Boone, Braxton, Brooke, Cabell, Calhoun, Clay, Doddridge, Fayette, Gilmer, Grant, Greenbrier, Hampshire, Hancock, Hardy, Harrison, Jackson, Jefferson, Kanawha, Lewis, Lincoln, Logan, Marion, Marshall, Mason, McDowell, Mercer, Mineral, Mingo, Monongalia, Monroe, Morgan, Nicholas, Ohio, Pendleton, Pleasants, Pocahontas, Preston, Putnam, Raleigh, Randolph, Ritchie, Roane, Summers, Taylor, Tucker, Tyler, Upshur, Wayne, Webster, Wetzel, Wirt, Wood, Wyoming

Is Dental Covered under Medicare?

Original Medicare typically does not include routine dental benefits, such as office visions, dental exams, cleanings, fillings, crowns and bridges. These are not covered benefits under Medicare.

In fact, routine dental services have never been a part of Original Medicare coverage. However, in 1980, a Medicare amendment was created to allow Medicare coverage of inpatient hospital services for dental procedures that make hospitalization necessary.

Medicare may cover all or part of your dental care when it involves other services covered under Medicare Part A hospital or Medicare Part B medical benefits. Some examples include:

  • For an accident that resulted in damage to the jaw, Medicare would cover the medical reconstruction of the jaw.
  • If you have a disease involving the jaw, Medicare might cover a dental tooth extraction that is directly caused by the disease.
  • For emergency and complicated dental procedures that require a hospital stay, Medicare Part A would cover the hospital stay, but Medicare would not cover the dental procedure.
  • If you’re about to have a kidney or heart transplant or other complicated procedure that requires a preliminary dental exam, Medicare will cover the dental exam either under Medicare Part A or Medicare Part B, depending on whether the dental exam was performed by hospital staff or an in-office physician.

How Medicare recipients get dental coverage?
Since routine dental coverage is not available under Original Medicare, you are generally responsible for the full amount of your dental care unless you have other dental insurance. Here are two suggested dental options for Medicare recipients: Continue reading

June 1949 Events and Famous Birthdays

June 1
Birthdays-

  • Mike Levine, rock keyboardist/bassist (Triumph)

Events-

  • Lucille Ball & Desi Arnaz wed for the second time
  • 1st magazine on microfilm offered to subscribers (Newsweek)
  • British government grants Cyrenaica (East-Libya) independence
  • KSL TV channel 5 in Salt Lake City, UT (CBS) begins broadcasting

June 2
Birthdays-

  • Heather Couper, British astron

Events-

  • Transjordan renamed Jordan
  • Dynam-Victor Fumet, composer, dies at 82
  • Ernest Ford, composer, dies at 91

June 3
Birthdays-

  • Stephen Ruppenthal, composer

Events-

  • First African-American to graduate from US Naval Academy (Wesley Anthony Brown)
  • Dragnet is 1st broadcast on radio (KFI in Los Angeles)
  • Amedos Peter Giannine, founder of Bank of America dies at 79

June 4
Birthdays-

  • Gabriel Arcand, French Canadian actor

Events-

  • “Cavalcade of Stars” debuts (DuMont); Jackie Gleason made host in 1950

June 5
Birthdays-

  • Ken Follett, Cardiff, Wales, spy author (Eye of the Needle, Lie Down with Lions)

June 6
Birthdays-

  • Edgar Warren Williams, composer
  • Holly Near, American folksinger

Events-

  • “It Pays To Be Ignorant” game show debut on CBS-TV
  • WKY (now KTVY) TV channel 4 in Oklahoma City, OK (NBC) 1st broadcast

June 7
Birthdays-

  • Jack Ryland, rock vocalist (Three Dog Night)

June 8
Birthdays-

  • Emmanuel Ax, Lvov Poland, pianist (Artur Rubinstein Comp-1974)
  • Hildegard Falck, German FR, 800m runner (Olympic-gold-1972)
  • Emanuel Ax, Polish-born pianist
  • Jeffrey Mylett, American actor (d. 1986)

Events-

  • Siam changes name to Thailand

Actor Burgess Meredith (41) divorces actress Paulette Goddard (39) after 5 years of marriage

June 9
Birthdays-
Events-

  • Mrs Georgia Neese Clark of Kansas becomes 1st woman treasurer of US

June 10
Birthdays-

  • Kevin Corcoran, actor (Swiss Family Robinson, Babes in Toyland)

June 11
Birthdays-

  • George Willig, stuntman (climbed World Trade Center in 1977)
  • Frank Beard, Frankston Texas, US country rock drummer (ZZ Top)
  • Tom Pryce, British racing driver (d. 1977)

Events-

  • 81st Belmont: Ted Atkinson aboard Capot wins in 2:30.2
  • 11th – Emile Zatopek runs world record 10,000m (29:28.2)

June 12
Birthdays-

  • Yuri Michaylovich Baturin, Russian cosmonaut (SK:Soyuz TM-28)
  • Marc Tardif, Canadian ice hockey player

June 13
Birthdays-

  • Dennis Locorriere, Union City NJ, rock guitarist (Dr Hook)

June 14
Birthdays-

  • Alan White, English rock drummer (Yes, Ramshackled)
  • Bob Frankston, programmer (VisiCalc)
  • Rochelle Firestone, Kansas City MO, actress (Hellhole)
  • Jimmy Lea, British musician (Slade)
  • Harry Turtledove, American author

Events-

  • State of Vietnam forms, Bao Dai installed as Emperor
  • WROC TV channel 8 in Rochester, NY (NBC) begins broadcasting

June 15
Birthdays-

  • Jim Varney, Lexington Kentucky, American actor (Ernest Goes to Jail, Hey Vern)
  • Dusty Baker, baseball player (LA Dodgers)
  • Michael Lutz, bassist (Brownsville Station)

Events-

  • Phils Eddie Waitkus, shot by Ruth Steinhagen, 19, at Eddgewater Hotel

June 16
Birthdays-

  • Kale Browne, San Rafael California, actor (Michael Hudson-Another World)
  • Peppy Castro, [Emil Thielhelm], NYC, rock vocalist (Balance)
  • Paulo César, Brazilian footballer

Events-

  • Gas turbine-electric locomotive demonstrated, Erie Pa

June 17
Birthdays-
Events-

June 18
Birthdays-

  • Jerry Hollendorfer, horse trainer
  • William Randolph Hearst III, publisher/editor
  • Chris Van Allsburg, American author and illustrator
  • Prince Lincoln Thompson, Jamaican musician (d. 1999)
  • Lech Kaczyński, Polish president, 2005-present

Events-

  • “Along Fifth Avenue” closes at Broadhurst Theater NYC after 180 perfs

June 19
Birthdays-
Events-

June 20
Birthdays-

  • Bob Andrews, England, rock keyboardist/vocalist
  • Paul Shaw, Collingwood Ontario, trap shooter (Olympics-96)
  • Singer Lionel Richie, Alabama, singer Commodores, Hello, Penny Lover)

Events-

  • Central Intelligence Agency Act passes

June 21
Birthdays-

  • Jim Bacchus, (Rep-D-Florida)

Events-

June 22
Birthdays-

  • Alan Osmond, Ogden Utah, singer (Osmond Brothers, Donnie & Marie)
  • Gary Moffet, Montreal, rock guitarist (April Wine)
  • Larry Junstrom, rock bassist (.38 Special)
  • Lindsay Wagner, LA Ca, actress (Bionic Woman, Paper Chase, Nighthawks)
  • Meryl Streep, Summit, New Jersey, American actress (French Lieutenant’s Woman, Sophie’s Choice)

Events-

  • Ezzard Charles beats Jersey Joe Walcott in 15 for hw boxing title

June 23
Birthdays-
Events-

  • Dutch Constellation plunge at Bari in sea, 33 die

June 24
Birthdays-

  • John Illsley, Leicester England, rock bassist (Dire Straits)

Events-

  • “Hopalong Cassidy” becomes 1st network western (NBC)
  • Cargo airlines 1st licensed by US Civil Aeronautics Board

June 25
Birthdays-

  • Brenda Sykes, Shreveport La, actress (Ozzie’s Girls, Getting Straight)
  • Kene Holliday, NYC, actor (Tyler-Matlock, Carter Country)
  • Phyllis George-Brown, Denton Tx, Miss America (1971)/sportscaster (CBS)

Events-

  • Long-Haired Hare is released in Theaters starring Bugs Bunny.
  • Buck Freeman, baseball player (b. 1871) dies

June 26
Birthdays-
Events-

  • Kim Gu, President of the Provisional Government of the Republic of Korea (b. 1876) dies

June 27
Birthdays-
Events-

  • “Captain Video & His Video Rangers,” debut on DUMONT-TV

June 28
Birthdays-

  • Don Baylor, Tx, baseball player (Rockies, 1979 AL RBI leader, 267 HBP)

June 29
Birthdays-

  • Dan Dierdorf, NFLer, sportscaster (Monday Night Football)
  • Ann Veneman, American politician

Events-

  • South Africa begins implementing apartheid; no mixed marriages

US troops withdraw from Korea after WW II

June 30
Birthdays-

  • Eric Goetz, NYC, US shipbuilder (America’s Cup 1995)

Events-

  • Dutch troops evacuate Djakarta

Medicare Advantage Plans – 6 Things You Should Know

Unlike Medicare Part A and Part B, which is administered by the federal government, Medicare Advantage is sold through private insurance companies with Medicare’s approval. In order to qualify for a Medicare Advantage plan, you must already be enrolled in Medicare Part A and Part B, reside in the plan’s network, and not have End-Stage Renal Disease (ESRD) in most cases.

Medicare Advantage, or Medicare Part C, provides all the benefits of Original Medicare (Part A and Part B), but could also include additional benefits, such as dental, hearing, and prescription drug coverage. Understanding Part C may help you find the best and most affordable option for you.

What is Medicare Advantage (Part C)?
Here are other things to keep in mind when shopping for a Medicare Advantage plan:

1.  There are several different kinds of Medicare Advantage plans.

  • A Health Maintenance Organization (HMO) offers a range of in-network doctors and hospitals through a flat monthly rate that could be deductible-free. A HMO may also require you to choose a primary care physician up front.  Some HMOs offer a Point-of-Service option. These are known as HMO-POS plans and allow out-of-network care at a high cost sharing rate than standard HMOs.
  • A Preferred Provider Organization (PPO) also includes a network of doctors and hospitals, but beneficiaries may have the freedom to receive care through any physician/provider they choose.
  • A beneficiary does not have to choose a primary care physician up front when joining a Private Fee-For-Service (PFFS) plan. A PFFS does not have network limitations, so any Medicare-accepted service many be utilized.
  • Each Special Needs Plan (SNPs) is tailored to individuals with a specific chronic illness. Not every SNP may be available in your area.
  • Medical Savings Account (MSA) plans are high-deductible plans that deposit funds into a bank account that the beneficiary uses to pay for health care costs before the deductible is met.

2. Medicare Advantage can include prescription drug coverage

Many Medicare Advantage plans include prescription drug coverage. If you choose to enroll in a Part C plan, it is unlikely that you will be allowed to join a stand-alone Prescription Drug Plan (PDP) in order to receive this benefit. If the prescription drug benefit is important to you, it is recommended that you explore all the Medicare Advantage options in your area to find one that offers that coverage.

3. Plan details and prices will vary

Part C plans are sold through private insurance companies and both cost and details can vary by insurance company and location. You will often see the plan’s location as “service area”. Always check with your agent or with the company to make sure the plan in which you are interested is located in your West Virginia County.

Not every Medicare Advantage plan will have a monthly premium, but many do. Other out-of-pocket costs include, but at not limited to, coinsurance, copayments, and the Medicare Part B premium, which you must continue paying. In reviewing your options, thoroughly review the coinsurance and copayments for services for the plans in your area along with the premium.

4. Medicare Advantage plan details can change each year

The Medicare Advantage plan that works best for you now may not always be that way. Your plan can potentially change each year, and you will receive a Plan Annual Notice of Change document in the mail ahead of AEP so that you can review everything changing in the following year. It is important to compare Part C plans annually to ensure you are enrolled in a plan that is right for your needs.

Working with an independent agent, agency or trusted advisor will save considerable time and frustration not only when initially examining your Medicare options but annually when it is time to review.

5. Medicare Advantage enrollment changes only occur during specific times

People can enroll in Medicare Advantage when they first become eligible. This is during the seven-month period called the Initial Enrollment Period that begins three months before they become Medicare eligible, either by age or disability/illness, and lasts for seven months.
Otherwise, Medicare beneficiaries looking to switch from Part A and Part B to Part C, or those looking to change Medicare Advantage plans, may do so during the Annual Election Period (AEP), which runs from October 15 to December 7 each year.

There is also a Medicare Advantage Disenrollment Period (MADP) that lasts from January 1 to February 14. During this time, beneficiaries may only disenroll from a Part C plan and return to Original Medicare.

There may also be qualifying circumstances, like moving to a new coverage area, that make you eligible to join a Medicare Advantage plan during a Special Enrollment Period.

6. Stay informed, updated and embrace change when needed

Initially enrolling and choosing your Medicare coverage can be confusing, overwhelming and an overall experience that many do not want to re-visit annually. For many, reviewing Medicare options produces as much dread, consternation and procrastination as filing taxes. All of the advertisements on tv, radio and mail from October 15 – December brings back feelings of frustration and uncertainty.

Keeping in contact with your agent or trusted advisor and updating of any changes to be discussed during the AEP is a simple way to stay informed and updated. Reviewing your West Virginia Medicare options each fall with your agent should be quick, easy and painless.

The official website of Medicare – Medicare.gov offers a wealth of additional information for those new to Medicare or seeking additional information. If you would like to talk with an independent agent in West Virginia, please do not hesitate to call Mountain State Senior Insurance Services, 304-201-0100 or www.wvchoiceinsurance.com.

Delayed Medicare Enrollment: Working past 65

To delay enrollment in Medicare Part B or not has been an increasing concern for our clients here in West Virginia as many continue to work beyond 65. People can delay enrollment in Medicare Part B if they are working beyond their 65th birthday or are covered by their spouse’s employer health insurance. But once they want to get their Medicare started there can be some confusion. If you are contemplating working beyond 65 or ready to finally ready to enroll in Part B, we look at several steps needed to enrolling in Medicare Part B.

First and foremost:

  • Plan ahead—If people plan ahead, they can take care of their delayed enrollment in Part B by mail. However, most call or stop by our office waiting to the last minute and want their coverage to begin on the first of the next month. So they needed to move quickly to get their paperwork in order.
  • Talk with the Benefits Coordinator or Human Resources at work notifying them of your intentions.

Next, you will need to be in contact with Social Security informing them and when you want to take your Part B to begin. There are two forms that you will need to submit to Social Security. Your Benefits Coordinator or Human Resources Department may go over this with you. If not, please feel free to download and print them out.

CMS-40B—Form used to apply for Part B using a special enrollment period.
CMS-L564—Form must be signed by the person’s employer to certify that he/she has had employer group health insurance.

These two completed forms can be taken to the local Social Security office and the enrollment in Part B can be in the system in just a day or two. It’s a good idea to call Social Security (800-772-1213) to see if you can make an appointment at the local office.  When talking to Social Security, ask if there are any other documents you need to provide. I have heard of some people being required to provide a birth certificate.

Part B is required to apply for Medicare Advantage or Medigap.

A person cannot submit an application for Medicare Advantage or Medigap until their Part B is in the system. As an example, I had a client stop by our office here in St. Albans last November on the 23rd wanting to enroll in a Medicare Advantage plan with an effective date of December 1. He dropped off the required forms above in-person at the local Social Security office in St Albans, WV. Two days later, we sent in an application for a Medicare Advantage plan with a start date of December 1. I was worried that his application would be delayed or rejected because his Medicare record would not show he had Part B. I was very relieved when everything processed through and he was officially enrolled in Medicare Part B and enrolled in the plan he selected.

Medigap: A person who has had employer health coverage can get a Medicare supplement with “guaranteed issue”, no matter what his age or what health problems he has. The Medigap application has some confusing questions that actually pertain to guaranteed issue. Make sure that you are working with an agent or someone that is experienced with this.

Medicare Advantage: When a person has delayed enrollment in Part B because he had employer health coverage, a specific code must be put on the Medicare Advantage application. If the wrong code is used, Medicare will reject the application.

Our office is located in St Albans, WV, and we also have a Social Security office here so we receive a lot of feedback from our client’s experiences in taking care of their Social Security affairs. Our local SSA office has been overwhelmingly efficient in the services provided to folks who waited until the last moment to submit paperwork for Medicare Part B.

Regarding the gentlemen mentioned above, his delay was primarily due to the government shutdown last year. They seem to go above and beyond. If possible, try to take care of this two months before wanting Part B to begin, you can receive and submit paperwork by mail or in-person. Also, you will have plenty of time to enroll in the Medicare plan of your choice and have all of your plan documents, paperwork and insurance cards by your chosen effective date!

Overview of Medicare Advantage Plans (MAPD)

Medicare Advantage Plans are health plans that are approved by Medicare and provided by private companies in West Virginia such as Coventry, Highmark, Humana, and many others. Medicare sets the rules for Medicare Advantage Plans and regulates the private companies who operate the Plans. Medicare Advantage Plans are also sometimes referred to as Medicare Health Plans, Medicare Part C Plans, and MAs/MA-PDs (and originally, Medicare Advantage Plans were called Medicare+Choice plans). A Medicare Advantage Plan combines your Medicare Hospitalization (or Medicare Part A) and Medical insurance or Doctor’s Visit Coverage (or Medicare Part B) into one Health Plan that provides the same Medically-Necessary Services as Original Medicare. Many, but not all Medicare Advantage Plans also offer Prescription Drug Coverage (or Medicare Part A and Medicare Part B and Medicare Part D) at no additional cost and are called MA-PDs.

Can anyone join a Medicare Advantage Plan?

NO. A person must meet a few conditions to eligible for a Medicare Advantage Plan. If you wish to enroll in a Medicare Advantage Plan (a MA or MA-PD), you must be:

  • Eligible for Medicare,
  • Enrolled in both Medicare Part A and Medicare Part B (you can check this by referring to your Red, White, and Blue Medicare Card),
  • Live within the Plan’s service area (which is county-by-county – not state-by-state), and
  • Not have End-Stage Renal Disease (or ERD).

For example only, if you and a friend both have Medicare Part A and Part B and you live in Kanawha County and your friend lives in Raleigh County, you may be able to join a Medicare Advantage Plan that has a prescription drug benefit (MA-PD) with a $0 monthly premium. However, this same MA-PD may not be available in your friend’s county.  Always speak to the plans you are interested in or speak with an independent agent/agency representing the plans you are interested in.

Medicare Advantage is the same a Medicare Supplement, right?

Remember that a Medicare Advantage Plan is not the same as a Medicare Supplement. A Medicare Supplement works in addition to your Original Medicare.

Do you lose your Original Medicare Part A and Part B when you enroll in Medicare Advantage Plan?

NO. Once enrolled in a Medicare Advantage Plan, the private company offering your Plan will take over some of the administrative processes to implement your Medicare benefits; however, you do not lose your Original Medicare. Later, if you wish to leave a Medicare Advantage plan, you can return to your Original Medicare Part A and Part B coverage during either the Annual Open Enrollment Period Period (AEP) (October 15th through December 7th).

What are the types of Medicare Advantage Plans?

There are only a few primary types of Medicare Advantage Plans and most of the different Medicare Advantage Plans may also include prescription drug coverage:

  • Health Maintenance Organization (HMO) – A Health Maintenance Organization that is contracted with Medicare provides you with access to a network of doctors and hospitals that coordinate your care, with an emphasis on prevention. This allows you to get more benefits than the Original Medicare Plan and many Medicare Supplement plans. An HMO has the tightest or most restrictive network where your care may not be covered if you go outside the HMO network without obtaining prior approval.
  • Health Maintenance Organization with a Point of Service Option (HMO POS) – This is a Health Maintenance Organization that provides a more flexible network allowing you to seek care outside of the traditional HMO network under certain situations or for certain treatment. You may pay some additional fees for using the POS (out-of-network) option.
  • Preferred Provider Organization (PPO) – A Preferred Provider Organization provides access to a network of doctors and hospitals that coordinate your care. As with an HMO, a PPO allows you to get more benefits than the Original Medicare Plan and many Medicare supplement plans. PPOs have a network of doctors and facilities, but also allow you to use any doctor or hospital outside of the network for a higher copay or coinsurance.
  • Private Fee-For-Service (PFFS) – A Private Fee-For-Service Plan is a type of Medicare Advantage Plan in which you may go to any Medicare-approved doctor or hospital that accepts both Medicare and the plan’s payment (or terms and conditions). The insurance plan, rather than the Medicare Program, decides how much it will pay and what you pay for the services you get. You may pay more or less for Medicare-covered benefits. You may have extra benefits the Original Medicare Plan doesn’t cover. The PFFS Plans are the most flexible, but a doctor or hospital can make patient-by-patient or visit-by-visit decisions of whether to accept the PFFS Plan Member.
  • Medicare Special Needs Plans (SNPs) – A Special Needs Plan is a Medicare Advantage Plan with coverage designed especially for Medicare beneficiaries with certain chronic conditions (like Diabetes) or have some other specific need. Usually only people with certain conditions or needs are allowed into a SNP.
  • Medicare Medical Savings Account (MSAs) – A Medical Savings Account is a combination of a high-deductible health plan and a bank account where your Plan deposits a certain amount of money per year. You use the money in your account to pay for Medicare Part A and Medicare Part B expenses, and when your Plan deductible is met, the Plan pays for any further Medicare-covered services. MSAs are only MAs and not MA-PDs. That is, MSAs do not offer Medicare Part D prescription drug coverage.

Does each Medicare Advantage Plan offer the same type of health coverage?

NO. Each Medicare Advantage Plan is different. As noted above, each plan is different and each county in West Virginia is different and may offer different plans than your neighboring West Virginia County.  Although all Medicare Advantage Plans must cover at least the Medicare Medically-Necessary Services, Medicare Advantage Plans can charge different deductibles, offer co-payments (for instance $30 per office visit) or various co-insurance terms (such as 20% of the procedure cost). Some Medicare Advantage Plans have a limit on how much you can spend in a year and some MAs do not have a limit on spending. Medicare Advantage Plans also offer additional services like eye care, dental care, and fitness programs. Bottom Line: Be sure to understand the coverage before enrolling – if you are unsure, ask questions or telephone Medicare at 1-800-633-4227 for assistance.

How does a person choose a Medicare Advantage Plan?

It is important to compare the benefits between your current coverage and the Medicare Advantage Plan. Be sure that you understand the additional benefits and any benefits (or freedoms) that you may lose. In general, we usually remind people to look at the Cost, Coverage, Convenience, Company reputation, and Comments from other Members. In particular, be sure to look at the following:

  • Can you change your current doctor(s) or are they in the new plan’s network?
  • If prescription drug coverage is provided, are your medications on the plan’s formulary?
  • How much is the monthly premium?
  • How much will your coverage cost? Co-payments and co-insurance as explained in the plan’s Summary of Benefits
  • Which additional services are offered, such as preventative care, vision, dental, and health club membership?
  • Are there any treatments that you need that are not covered by the Plan?
  • Can you work within the network restrictions (like paying extra when you visit a doctor who is out-of-network)?
  • Are your current physicians, specialists and providers currently in-network?

In conclusion, take your time in reviewing all your options.  Know when you can review and change plans again and under what situations you can change plans, i.e. moving out of your selected plan’s service area.  If you have any questions regarding Medicare Advantage Plans in West Virginia, call Mountain State Senior Insurance Services, 304-201-0100 or visit us www.wvmedicareplans.com or call Medicare at 1-800-633-4227.

Turning 65 and Preparing for Medicare

We receive more questions about preparing for Medicare and questions surrounding enrolling for the first time than just about any other.  Betty in Cross Lanes, WV, called our office recently asking for some general advice as she approaches 65 and prepares to enroll in Medicare.  She is unique in contacting us almost a year out of her 65th birthday!  Just a little planning will help to make this transition free of frustration.

About ten thousand people a day turn 65 in the United States, making them eligible for Medicare health insurance. If you are about to turn 65 you might want to know what being Medicare eligible means to you and how you can best prepare.

The most important thing to be aware of is your Initial Enrollment Period (IEP).  This is the timeframe that most people apply to receive their Medicare benefits.  Your IEP begins three months before the month of your 65th birthday, includes your birth month, and carries on three months after.  This is a total of seven (7) months.  If you don’t apply during this time period you could face penalties later.  You can find out more about late enrollment penalties here.

If you already have health insurance coverage through your employer, you may qualify for a Special Enrollment Period.  Always check with your benefit’s coordinator or Human Resources Department at work first to discuss your employment or spouse’s employment health insurance and your Medicare options first.  If you have credible health insurance through an employer you can delay your enrollment in Medicare Part B until your current employer’s health insurance ends.  You should enroll in Medicare Part A anyway.

Be sure you have all the documentation and information you need to apply.  This would include all personal information; contact information of a loved one in the event of emergency; contact information of your doctor and other health providers; up-to-date medical history, including current medications, treatments and condition; details of your current coverage, if any; bank account information for automatic payments.

It’s important for you to learn the basics of Medicare so you understand how the system works, the terminology, and what the various options are, i.e., Original Medicare, Medicare Advantage, Medicare Part D, and Medigap.

Learn what Medicare Advantage (Part C) options are available to you, and what they can offer.  Depending on where in West Virginia you reside, different plans may or may not be available.  Not all plans offered in Kanawha County, Cabell County or Putnam County may be offered in Raleigh County, Mercer County or Wood County.  These are alternative plans offered by private insurance companies that have all the benefits of Original Medicare Parts A and B but also add benefits that Original Medicare does not cover, such as dental, hearing, vision, and wellness services, and usually a prescription drug plan as part of the package.

Medicare Plan D covers your prescription drugs.  Consider whether Original Medicare plus a prescription drug plan would be best for you, or whether a Medicare Advantage Plan that includes prescription drug coverage would be better. Nearly all people on Medicare have prescription coverage, and there is a penalty for late enrollment.  Many individuals will also add a Medicare Supplement plan when selecting a stand-alone Part D Plan to round out their Medicare health and drug coverage.

Medicare Supplement or “Medigap” can cover some or all the gaps (depending on which plan you select) in coverage left by Medicare so you are not left paying the deductibles and other out-of-pocket expenses yourself. All Medicare Supplements are designed by Medicare, so the benefits on these policies are the same across companies, the only difference is the price they charge.  When comparing West Virginia Medicare Supplement Companies, it is important to understand that there is no reason to pay more money for certain company over another, because they all provide the exact same coverage. It is very important that you shop around and obtain multiple West Virginia Medicare Supplement Quotes to ensure that you are receiving the very best price that is available to you.

If you need financial assistance, contact the Social Security Administration and find out which programs are available to assist you.  Additional information on the Social Security Administration’s Extra Help/LIS (Low-Income Subsidy) program can be found here as well as qualifying information and contact information.

If you take it step by step and with a little planning and time, enrolling in Medicare and selecting the right coverage for your unique situation can be easy.  Please feel free to use our website, www.wvmedicareplans.com as a resource and www.Medicare.gov offers tremendous information for further research and understanding.