Whether you are just starting to investigate Medicare or have been receiving senior healthcare benefits for many years, you know that the choices are overwhelming. With an alphabet soup of acronyms and a myriad of service options, it is challenging to choose the Medicare plan that is right for YOU.
Many people are unaware that free advisory services are available through the Florida Department of Elder Affairs to help you with your Medicare planning. The program is called SHINE, which stands for “Serving Healthcare Insurance Needs of Elders.” You can have counseling by phone, or visit one of many locations at local libraries or community centers. There are also classes offered via Zoom to help explain what Medicare is all about.
Charles Franckle was looking for an interesting volunteer opportunity when he retired in 2004. He first joined the Senior Medicare Patrol that educates people on how to prevent and report fraud, and later decided to become a Medicare counselor. “I enjoy the everyday challenges of keeping up on the various program options, and love working with people from all walks of life.”
Services Provided
Perhaps you are about to turn 65 or your current Medicare plan is not meeting your needs. A Medicare counselor can evaluate your current situation, such as whether you travel extensively or need a large number of prescriptions. They usually won’t recommend a specific Medicare or Medicare Advantage plan, but rather serve to educate you and point you in the right direction. “Many people choose a plan based on all the extra benefits such as free products or gym memberships, rather than doing their research and prioritizing their healthcare needs,” says Franckle.
It is important to keep in mind that you should sign up for Medicare Parts A and B within three months of becoming eligible, usually at age 65. If you are still employed and receiving benefits from an employer, you may want to delay signing up for Part B to avoid the premium since you will have a special election period to sign up later. There is usually no charge for Medicare Part A that covers hospitalization.
For those with lower incomes, SHINE can also assist you in applying for financial assistance to help pay for your Medicare premiums and even co-pays. “Many people are eligible for this and aren’t aware of it,” Franckle says.
Keeping Up to Date
Traditional Medicare and Medicare Advantage plans’ coverage can change every year. “It’s important for us to keep up with all the changes, and seniors can also compare plans at www.Medicare.gov,” says Franckle. “We also have a handout that compares Medicare and Medicare Advantage plans and explains their differences.”
Volunteer Counselors are Always Needed
The local SHINE office has two full-time employees, and the rest of the counselors are all well-trained volunteers. “They take 16 hours of an online course followed by three days of interactive zoom training, and then are matched with a mentor,” Franckle reports. “When both the trainee and the mentor feel comfortable, he or she can start to meet with clients on their own. We would be happy to speak with anyone who is looking for a great volunteer opportunity.” Franckle finds the work to be extremely rewarding. “If I can help someone find the best possible coverage for their specific needs, it is very satisfying.”
To make an appointment to speak with a SHINE counselor, call the main number at 800-963-5337 or the local Help line at 727-217-8111. For additional information, please visit www.FloridaShine.org.
