{"id":14133,"date":"2020-11-19T12:39:30","date_gmt":"2020-11-19T12:39:30","guid":{"rendered":"https:\/\/www.livingbyyourdesigninc.com\/?p=14133"},"modified":"2021-11-04T00:20:38","modified_gmt":"2021-11-04T00:20:38","slug":"irmaa-and-planning-for-2021","status":"publish","type":"post","link":"https:\/\/www.livingbyyourdesigninc.com\/index.php\/2020\/11\/19\/irmaa-and-planning-for-2021\/","title":{"rendered":"Wrapping up 2020 and Planning for 2021"},"content":{"rendered":"<p>As we enter this holiday season, life is clearly different.<span class=\"Apple-converted-space\">\u00a0 <\/span>Hopefully, this article will inform and clarify some of the issues many people face at this time.<span class=\"Apple-converted-space\">\u00a0<\/span><br \/>\n<b>Depression<\/b>:<span class=\"Apple-converted-space\">\u00a0 <\/span>The Covid 19 pandemic has put us in a time period that we hope never to see again.<span class=\"Apple-converted-space\">\u00a0 <\/span>Businesses closed or at a minimum have altered procedures.<span class=\"Apple-converted-space\">\u00a0 <\/span>People losing jobs or working from home.<span class=\"Apple-converted-space\">\u00a0 <\/span>People with health conditions sheltering in place; many not even seeing family members.<span class=\"Apple-converted-space\">\u00a0 <\/span>As one of the results, many people are fighting depression.<span class=\"Apple-converted-space\">\u00a0 <\/span>Many insurance plans are offering virtual \u2013 online appointments, counseling, and therapy for depression.<span class=\"Apple-converted-space\">\u00a0 <\/span>Contact your insurance company or doctor\u2019s office for contact information and process.<br \/>\n<b>Are You Planning to Retire?<span class=\"Apple-converted-space\">\u00a0 <\/span><\/b>There is a process to enroll in Medicare.<span class=\"Apple-converted-space\">\u00a0 <\/span>People turning age 65 may enroll online through SSA.gov.<span class=\"Apple-converted-space\">\u00a0 <\/span>or call 1-800-772-1213.<span class=\"Apple-converted-space\">\u00a0 <\/span>People who only have Part A of Medicare (most commonly \u2013 people who have worked past age 65) have more of a process and forms to be completed,<span class=\"Apple-converted-space\">\u00a0 <\/span>If you are retiring, start 60 days before retirement to start this process,<span class=\"Apple-converted-space\">\u00a0 <\/span>Social Security will give you the process; or firms like ours can also assist you.<br \/>\nIRMAA (not the lady with the pink Cadillac) is the \u201cMedicare Income Related Monthly Adjustment Amount\u201d.<span class=\"Apple-converted-space\">\u00a0 <\/span>IRMAA is the amount you must pay in addition to your Part B premium if your income as a single was over $88,000 in 2019.<span class=\"Apple-converted-space\">\u00a0 <\/span>For a couple, the IRMAA begins with a 2019 <span class=\"Apple-converted-space\">\u00a0 <\/span>income of $176,000.<span class=\"Apple-converted-space\">\u00a0 <\/span>To be clear IRMAA is calculated from earnings two year\u2019s prior.<span class=\"Apple-converted-space\">\u00a0 <\/span>Under certain circumstances IRMAA can be refigured or perhaps reduced.<span class=\"Apple-converted-space\">\u00a0 <\/span>One of the Qualifying Events for a New Determination is lower income after retirement. <span class=\"Apple-converted-space\">\u00a0<\/span><br \/>\n<b>Have you finished your Medicare AEP selections?<\/b><span class=\"Apple-converted-space\">\u00a0 <\/span>You only have until 12\/7 to do so.<span class=\"Apple-converted-space\">\u00a0 <\/span>A word of advice \u2013 use an insurance broker specializing in Medicare Plans, they will not charge you, and they can show you options.<span class=\"Apple-converted-space\">\u00a0 <\/span>Many times, a person could move to another plan, saving you hundreds of dollars in the process.<br \/>\n<b>ACA \u2013 Obamacare AEP ends 12\/15:<\/b> <span class=\"Apple-converted-space\">\u00a0 <\/span>If you have Obamacare, you should review your application, adjust the income on the application, if applicable, and make selections by December 15<sup>th<\/sup>.<span class=\"Apple-converted-space\">\u00a0 <\/span>Be sure your doctors are in-network and you accurately provide information for any subsidy (also called advanced tax credit) that may lower your premiums.<span class=\"Apple-converted-space\">\u00a0 <\/span>Some people make a snap judgment that they cannot afford ACA coverage, but considering the subsidy, they may be mistaken.<span class=\"Apple-converted-space\">\u00a0 <\/span>This author has worked with clients with premiums of less than $10 after the subsidy.<span class=\"Apple-converted-space\">\u00a0 <\/span>Again, work with local agents for personal and continuing assistance.<br \/>\nPlans change from year to year.<span class=\"Apple-converted-space\">\u00a0 <\/span>The Marketplace states they will migrate you to a plan if you do not update your enrollment and your plan was changed.<span class=\"Apple-converted-space\">\u00a0 <\/span>It is important that you make this decision rather than have the Marketplace make it for you.<br \/>\nIs it easy to see that Medicare and ACA is confusing?<span class=\"Apple-converted-space\">\u00a0 <\/span>It is probably best to seek local professional help.<span class=\"Apple-converted-space\">\u00a0 <\/span>You may wonder: what\u2019s at stake?<span class=\"Apple-converted-space\">\u00a0 <\/span>It could mean the difference between being able to have non-emergency medical services or not.<span class=\"Apple-converted-space\">\u00a0 <\/span>It could mean bankruptcy.<span class=\"Apple-converted-space\">\u00a0 <\/span>Therefore, it is probably best to gather information and make an intelligent, informed decision.<span class=\"Apple-converted-space\">\u00a0 <\/span>Resources on agents can be found at <a href=\"https:\/\/nahu.org\/looking-for-an-agent\/find-an-agent\">https:\/\/nahu.org\/looking-for-an-agent\/find-an-agent<\/a>,<span class=\"Apple-converted-space\">\u00a0 <\/span>and <a href=\"https:\/\/localhelp.healthcare.gov\/#\/\">https:\/\/localhelp.healthcare.gov\/#\/<\/a> .<br \/>\n<b>So, don\u2019t wait<\/b>; if you have questions on Medicare or ACA, feel free to contact our office at 309-693-1060 or on <a href=\"https:\/\/www.livingbyyourdesigninc.com\/contact-living-by-your-design\/\">our website<\/a>.<span class=\"Apple-converted-space\">\u00a0 <\/span>From our office to you and your family<b>: Merry Christmas Happy Holidays and Stay Safe!<\/b><\/p>\n","protected":false},"excerpt":{"rendered":"<p>As we enter this holiday season, life is clearly different.\u00a0 Hopefully, this article will inform and clarify some of the issues many people face at this time.\u00a0 Depression:\u00a0 The Covid 19 pandemic has put us in a time period that we hope never to see again.\u00a0 Businesses closed or at a minimum have altered procedures.\u00a0 [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":17618,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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