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Patricia Carrera

Bills Introduced to Protect Medicare Beneficiaries from Observation Status Coverage Gap

Last week, bipartisan, bicameral legislation was introduced to ensure all Medicare beneficiaries who spend three days or more in a hospital can access post-acute care in a Skilled Nursing Facility (SNF) when they need it. Currently, Medicare can deny SNF coverage following a hospital stay classified as outpatient observation rather than inpatient. The Improving Access to Medicare Coverage Act of 2019 (H.R. 1682S.753) would protect beneficiaries from surprise bills for skilled nursing care by counting time they spend in observation status toward Medicare’s three-day stay requirement. Are you hospital inpatient or outpatient?

Click here to see the PDF

How to find and compare hospitals

When you’re comparing hospitals, look for one that:

  • Has the best experience with your condition.
  • Participates in Medicare and is covered by your health plan.
  • Checks and improves the quality of its care.
  • Performs well on quality measures, including a national patient survey.
  • Meets your needs in terms of location.

Click link – View Medicare Website


Learn About Medicare Parts A, B, C & D

Join us at Louis Bay public library in Hawthorne, NJ. Bring your questions and thoughts. Free event Saturday, March 23rd, starts @ 11 AM.

If you will be entering the Medicare program and would like to use your benefits, it can be over whelming. Deciding when do I apply for Part A, Part B & Part D.

Your choices about your health care coverage is very important and to make an educated decision can be confusing. Come to explore what your options are and get your questions answered.

Medicare 101 Parts ABCD

Confused About Medicare?

Call us , we will be able to help you learn & understand the basics of Medicare, compare Medicare plans,  and how it coordinates with other coverage. New to Medicare

If you have enrolled with Medicare already and beginning to receive information about the changes of your current plan, call us to discuss next year’s options.

We can also review your options  and choose  the right plan for you. If you are just starting your Medicare now or looking into a future date.

We can sit down for further discussion, call for an appointment, Now! 201-644-8502

Ten Things to Know About Your New Medicare Card

10 things to know about your new Medicare card
Medicare is mailing new Medicare cards started in April 2018. Here are 10 things to know about
your new Medicare card:

1. Mailing takes time: Your card may arrive at
a different time than your friend’s or neighbor’s.

2. Destroy your old Medicare card: Once you get your new Medicare card, destroy your old Medicare
card and start using your new card right away.

3. Guard your card: Only give your new Medicare Number to doctors, pharmacists, other health care
providers, your insurers, or people you trust to work with Medicare on your behalf.

4. Your Medicare Number is unique: Your card has a new number instead of your Social Security
Number. This new number is unique to you.

5. Your new card is paper: Paper cards are easier for many providers to use and copy, and they save
taxpayers a lot of money. Plus, you can print your own replacement card if you need one!

6. Keep your new card with you: Carry your new card and show it to your health care providers when
you need care.

7. Your doctor knows it’s coming: Doctors,
other health care facilities and providers will ask for your new Medicare card when you need care.

8. You can find your number: If you forget your new card, you, your doctor or other health care
provider may be able to look up your Medicare Number online.

9. Keep your Medicare Advantage Card: If you’re in a Medicare Advantage Plan (like an HMO or PPO),
your Medicare Advantage
Plan ID card is your main card for Medicare – you should still keep and use it whenever you need
care. However, you also may be asked to show your new Medicare card, so you should carry this card

10. Help is available: If you don’t get your new Medicare card by April 2019, call 1-800-MEDICARE
(1-800-633-4227). TTY users can call 1-877-486-2048.
You have the right to get Medicare information in an accessible format, like large print, Braille,
or audio. You also have the right to file a complaint if you feel you’ve been discriminated
against. Visit cmsnondiscriminationnotice.html,
or call 1-800-MEDICARE (1-800-633-4227) for more

All people with Medicare are getting new Medicare cards. These new cards have a new Medicare Number that’s unique to each person with Medicare, instead of their Social Security Number.

When should I get it?

Medicare has started mailing cards to certain states and will continue mailing nationwide. Your new card will automatically come to you. You don’t need to do anything as long as your address is up to date. If you need to update your address, visit your mySocial Security account.

Sign up to get an email when your card mails.

Who sends it?


What should I do when I get this card?

  • Destroy your old Medicare card and start using your new card right away. Your Medicare coverage and benefits stay the same.
  • Keep using your Medicare Advantage Plan ID card if you’re in a Medicare Advantage Plan, like an HMO or PPO.
  • Carry your new Medicare card with you. Doctors, other health care providers, and facilities know it’s coming and will ask you for it.

Download a sample letter

New Medicare Card letter [PDF, 793 KB]

Ways to Avoid Part D Late Enrollment Penalty

  1. Join a Medicare drug plan when you’re first eligible.You won’t have to pay a penalty, even if you’ve never had prescription drug coverage before.
  2. Don’t go 63 days or more in a row without a Medicare drug plan or other creditable drug coverage.Creditable prescription drug coverage could include drug coverage from a current or former employer or unionTRICAREIndian Health Service, the Department of Veterans Affairs, or health insurance coverage. Your plan must tell you each year if your drug coverage is creditable coverage. They may send you this information in a letter, or draw your attention to it in a newsletter or other piece of correspondence. Keep this information because you may need it if you join a Medicare drug plan later.
  3. Tell your plan about any drug coverage you had if they ask about it.When you join a Medicare drug plan, the plan will check to see if you had creditable drug coverage for 63 days or more in a row. If the plan believes you didn’t, it will send you a letter with a form asking about any drug coverage you had. Complete the form and return it to your drug plan by the deadline in the letter. If you don’t tell the plan about your creditable drug coverage, you may have to pay a penalty.

View Medicare Website

Transition to Medicare

by Cheryl McCarthy

The transition from group health benefits to Medicare is important but confusing. Currently, Medicare and Social Security are involved in determining what individuals will pay toward the cost of their Part B coverage. This confuses individuals not only on what they are told but on the timing on when information is sent to them. Nationally, more than 750,000 members are paying late enrollment penalties (LEP) and these penalties remain in place for as long as they are paying for Part B. As Medicare health plan advisors, we can help prevent costly enrollment mistakes when we facilitate a smooth transition into Medicare. It’s time to get educated! 

Many eligible members continue to work into their Medicare years until they are eligible for full Social Security benefits, currently at age 66. For this reason, group health advisors have the advantage of being the first respected and relevant influencer for a smooth transition to Medicare. 

We can help our clients make an informed decision about when to enroll in Medicare. Knowing when a member can and should enroll in Medicare A and B is just as significant as knowing when a member can and should enroll in an individual Medicare benefit as a stand-alone product. It is equally important to understand the Medicare Secondary Payer Laws. Who pays first — Medicare or the employer group health plan? There are many ways that we can facilitate a smooth transition into Medicare.

Call us NOW!

View Medicare Website

Medicare 101 Seminar – Hawthorne, NJ

Come learn a little bit more of your ABCDs of Medicare. Meeting at the Hawthorne Library Sept. 29, 2018 @ 2 pm

Is this a topic that gets confusing? Come get some clarification. Turning 65 and you are not sure if you should keep your employer plan or not. Are you getting ready to retire and you are over age 65. Come find out how to avoid penalties. Bring your questions.

Sign Up Here

Final Expense


Will your current health insurance pay all your final bills?

What are my final bills?

Who will pay all my final bills?

Will my final expenses affect my estate?

Family need to make decisions and accept final cost?

So many more questions.

Come join us for a lunch and learn.

May 4, 2018 @ 12:30 PM

If you are looking to learn more, you must sign up for this meeting.

Call Senior Source to RSVP – 201-342-0962

310 Riverside Square Mall

Hackensack, NJ 07601

Sponsored by Carrera Brokerage


Medicare 101 Seminar

Are you entering the Medicare program? Deciding what Part A, Part B, Part C & what is Part D a bit overwhelming or confusing? The decisions you make is very important. Come to a workshop and learn what they all mean. Explore your options. Bring your questions. Come to the Ridgefield Pubic Library, 527 Morse Ave., Ridgefield NJ 07657. Promptly begins @ 11 AM, Saturday April 14th, 2018 –