Tag Archives: paperwork

Wedding Planning: From Ceremony to New Life

Vantage Point: Wedding Season Brings Many Changes

Summertime is here, which means wedding season has arrived.

Weddings are filled with so much love and anticipation. These magical ceremonies take so many months of planning and preparation, like figuring out the date, color scheme, invitations, venue, photography, bridal shower, and of course, the guest list.

As the special day arrives, you get to see all of the hard work and planning come together. As the day goes on, the happy couple gets together and dances the first dance, enjoys delicious cake, and takes pictures with all the guests.

As you wind down and look into the future, the next phase of planning begins. This is a new life as you are no longer only thinking about yourself but also about your significant other. Many new married couples move into a new home, which means you might have a new address.

Before putting your new last name on the mailbox, you need to officially change your name. The first step is visiting the Social Security Administration office or mailing in an application for a new Social Security card. Once that is complete, the next stop is the Department of Licensing. This will give you a chance to retake that driver’s license picture you probably didn’t like anyway. It will have a new name and your new married smile, plus your new address.

Once you have changed your name with the Social Security Administration and the Department of Licensing, changing your name with other companies should be a breeze. Places to contact would be your employer’s office, credit card companies, banks, and insurance companies. Now that you are married, your insurance options might change. This is a great time to take another look at your current coverage.

Another very important part of this is to update your Power of Attorney (POA). Since you are officially a new couple, you’ll need to complete a new Power of Attorney. With all the changes in your life, you might want to reconsider who your POA is.

It all seems like a lot of paperwork, but once it is complete, you won’t have to think about it anymore. You can put it behind you and start your new beginning.  Then, you can sit back, relax, reminisce about your wonderful wedding day, and look into the bright new future.  

Jessica Arroyo, born and raised in the Wenatchee Valley, is a Medicare community liaison for Health Alliance Northwest, serving Chelan, Douglas, Grant, and Okanogan counties in Washington. During her time off, she enjoys spending time with her husband and infant son.

Medicare Advantage Mythbusting

Long View: Medicare Advantage Truths Might Just Change Your Mind

As I travel around the Illinois countryside, I hear the same misinformation about Medicare Advantage over and over. To tackle some of that, here’s a Q and A.

Question: When I join a Medicare Advantage plan do I lose my Medicare coverage?

Answer: No. If you have a Medicare Advantage HMO or PPO plan, a private health insurance company that has a contract with Medicare, like Health Alliance Medicare, provides the services instead of Original Medicare. People who disenroll from Medicare Advantage plans revert to Original Medicare. In either case, no one loses Medicare coverage.

 

Question: Will I be able to stay with my current doctors?

Answer: Probably, especially with Health Alliance Medicare. That’s why it’s important to check any plan’s provider directory to confirm your doctors work with the plan. People who select a Preferred Provider Organization (PPO) plan can use out-of-network providers, but they typically pay more when they receive services.

 

Question: We travel and might need to use the emergency room. Will Medicare Advantage plans only cover me for emergency care when I’m close to home?

Answer: No. Medicare Advantage plans cover out-of-area emergency and urgently needed care.

 

Question: If something serious happens and we need lots of services, could we predict how much we would pay for care?

Answer: Yes. Medicare Advantage plans have an annual Out-of-Pocket Maximum (OOPM), also called a Yearly Limit. When a Medicare Advantage member reaches that limit, the health plan pays 100 percent for Medicare-approved services. This amount doesn’t include the premium and other limited expenses. You can estimate what your expenses would have been last year on the Medicare Advantage plan you are considering.

 

Question: Medicare Advantage sounds good for me, but wouldn’t the premium be too costly for my 88-year-old mom?

Answer: Not at all. One of the best things about Medicare Advantage plans is the premium is the same no matter the member’s age. You and your mom would pay the same monthly premium if you had the same plan, unless either of you could get extra help paying for coverage based on your income.

 

Question: Would I have to deal with all the paperwork I get when I receive services from Original Medicare plus a Medicare Supplement plan?

Answer: No. You would have much less paperwork with a Medicare Advantage plan. In fact, that’s one reason Medicare Advantage plans exist, and I’m all for less paperwork.

 

Remember, the Medicare Annual Enrollment Period, or AEP, runs from October 15 to December 7. That’s the only time most people can change their coverage for the following year.

If you are thinking about a change for yourself or a loved one, you will have to do a bit of research. Trusted resources like Area Agencies on Aging and your local senior center can help.

Please consider Health Alliance Medicare a resource, too.

We all want to make well-informed choices that don’t depend on myths and misinformation.