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Mark Your Calendar for Medicare Open Enrollment You can’t tell it by looking at the calendar, unless you know what you are looking for, but we are getting ready to head into one of the most important times of the year. No, I’m not talking about the holiday season, although I’m sure we will be hearing Christmas songs sometime soon. It’s a particularly important time of year if you or a loved one are covered by Medicare. It’s the Medicare open enrollment period, the time when Medicare beneficiaries can make changes to their plan and pick one that works best for them. In effect, each year you get a “do-over” on choosing your plan. The open enrollment period starts on October 15 and ends on December 7. Medicare Open Enrollment Period Open enrollment is a big deal, but unfortunately, most people don’t take advantage of it. Make sure you don't let December 7 slip by without at least reviewing your Medicare options. Don’t assume the plan that was best for you in 2017 will be the best for you in 2018. Plans change every year, and the open enrollment period is your chance to trade in your old plan for one that fits you better. (For more for this author, see: Medicare Enrollment Part 2: The Right Path for You.) Are you satisfied with your current Medicare plan? Has it changed? Have premiums or out-of-pocket costs gone up? Has your health changed? Do you anticipate any change in medical care or treatment? Is the drug coverage you have still appropriate? These are all important questions to ask yourself because during open enrollment, you can switch from original Medicare to a Medicare Advantage plan, or from a Medicare Advantage plan to original Medicare; you can change from one Medicare Advantage plan to another; you can enroll in a Medicare Prescription Drug Plan (Part D) or switch from one Part D plan to another. Changes to Your Medicare Coverage Speaking of prescription drug coverage, one of the big changes that occurs every year is a plan’s formulary, the plan’s list of medicines that are covered and how they are covered. Drug makers can raise or lower their prices, which will have an effect on your plan. Maybe a cheaper, generic version of a drug you need has become available. A plan’s formulary is one of the things you must review when evaluating Part D coverages. What good is a plan if it doesn’t cover the drugs you need? So, where do you start? First, you should receive a notice from your current plan about any changes that will occur in 2018. They are required to send the notice to you for review. And while it’s a bit of a long document, it’s not difficult to work through if you know what you are looking for. Here are some of the things you should be reviewing: Monthly premiums – any change from last year Deductibles – they generally change a bit each year, and some plans will absorb some of the cost increases Co-pays – coinsurance and any changes in amounts or requirements Drug tiers – to see if any drugs you take are moving from one pricing tier to another Out-of-pocket-maximums – you may have two caps to review, one for health coverage and one for drug coverage Provider networks – to see if your doctor and hospital choices have changed Drug formularies – for the reasons mentioned above Open Enrollment Resources The U.S. Government's website for Medicare can help answer a lot of your questions, and their Medicare Plan Finder can help you get specific information on the plans that are available to you. Open enrollment is also important because it gives you, as a consumer, a big say in what plans are offered. The best plans available are rewarded with new business as consumers exercise their right to choose. The plans that consumers don’t like will have to either change or disappear. But while open enrollment is good in theory, most people typically stay with what they have, even despite evidence that they would be much better off by changing to another plan. Don’t be most people. By spending a few hours each year reviewing the changes in your plan, and the other plans that are out there, you can become a savvy Medicare shopper. Many articles have been written about what health care costs will be in your retirement years. Here is one way that you can work to control those costs. Read more: Mark Your Calendar for Medicare Open Enrollment | Investopedia https://www.investopedia.com/advisor-network/articles/mark-your-calendar-medicare-open-enrollment/#ixzz5Am38PiNx Follow us: Investopedia on Facebook

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Alert: Shorter Enrollment for Affordable Care Act This Year While GOP efforts to repeal and replace the Affordable Care Act (ACA) have yet to be successful, the Trump administration has taken steps to make signing up more difficult. Perhaps the biggest hurdle for consumers is the newly shortened open enrollment period, which now runs for just 45 days from Nov. 1 to Dec. 15. By contrast, the open enrollment period in previous years ran for 92 days – from Nov. 1 to Jan. 31 – which gave enrollees more than twice as much time to research plans, make decisions and submit applications. The new deadline allows ACA open enrollment “to more closely align with Medicare and the private market,” according to the Centers for Medicare and Medicaid Services CMS). But opponents say the abbreviated period will make it harder for some people to sign up on time, which could ultimately reduce the number of people who have coverage. Some States Extend Deadlines In response, several states that run their own health insurance exchanges have extended their open enrollment periods beyond the deadline set by the Trump administration. New York is one: Citing concerns about the earlier deadlines, the state will use the same open enrollment time frame as last year – from Nov. 1, 2017 to Jan. 31, 2018. “Our goal is to ensure that consumers have adequate time to shop for and enroll in the health plan that is best for their family,” New York State of Health Executive Director Donna Frescatore said in a statement. The other states that have opted for longer open enrollment periods (so far; more can join them) are California, Colorado, Connecticut, Massachusetts, Minnesota, Rhode Island and Washington, plus Washington, D.C. (Check end dates, as they may vary.) Advertising and ACA Navigator Budgets Slashed In addition to clipping the enrollment period, the Trump administration slashed the advertising budget for the 2018 open enrollment period – by more than 90%. While last year’s budget was $100 million, the CMS in August announced that it “plans to spend $10 million on promotional activities in order to meet the needs of new or returning ACA enrollees – consistent with promotional spending on Medicare Advantage and Medicare Part D.” Without adequate advertising, it’s likely some consumers will mistakenly assume (based on previous years, perhaps) that they have until the end of January to buy or re-enroll for coverage – which means many could miss out altogether. Short of a “qualifying life event” (such as getting married or divorced, having a baby or losing existing health coverage) that can prompt eligibility for a special enrollment period, people who miss the deadline will have to wait for the next open enrollment period to get coverage through the health insurance exchanges. Also on the budget chopping block: grants to ACA “navigators,” which have been cut by 41% from 2016 levels. These grants are given to community health centers, nonprofits and private companies that provide free in-person help to people who have trouble understanding or managing the ACA paperwork and applications. Less grant money could mean fewer people getting the help they need to successfully sign up for coverage. To be fair, a $100 million advertising budget and $62.5 million in funding for the navigator program may not be entirely necessary by this point. As with most large-scale budgets, there is probably room for some thinning without reducing the overall effectiveness of the programs. Still, slashing these budgets by such large percentages has the potential to affect enrollment numbers because people could be less informed about timelines, their options and the enrollment process. Read more: Alert: Shorter Enrollment for Affordable Care Act This Year | Investopedia https://www.investopedia.com/insurance/open-enrollment-affordable-care-act-shorter-this-year/#ixzz5Am108yd7 Follow us: Investopedia on Facebook

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Don't Overlook HSAs During Open Enrollment Topics Reference Advisors Markets Simulator Academy Search News, Symbols, Terms « Advisor Insights Don't Overlook HSAs During Open Enrollment Ed Snyder Ed Snyder, CFP®, ChFC November 15, 2017 SHARE Open enrollment is coming. You know, that time of year where you make choices about your benefits at work? One area that I've noticed that people may want to take a little more time in comparing their options is in the health insurance plan that they choose. With many employers today you can choose from two options - a health reimbursement account (HRA) or a health savings account (HSA). You may have heard about the HSA, but maybe you're not sure how it works or how to use it. HSAs are relatively complex and can be confusing. Is it affiliated with health insurance? Does it have anything to do with retirement? Is it a bank account, an investment account? It can be all of these things. (For more, see: Rules for Having a Health Savings Account.) Tax Benefits of HSAs HSAs are available to those that have high-deductible insurance plans. The money in the HSA can be used to meet deductible and other out-of-pocket health care costs. The money goes in pre-tax, like the money you put in your 401(k). Investment growth and interest are tax deferred and withdrawals spent on qualified medical expenses are tax free. This triple tax benefit increases your buying power compared to using after-tax money. For example, let's say you had $1,000 in medical expenses for the year. If you pay those expenses from money that you had in your HSA, you would be paying them with money that had not been taxed. But if you did not have an HSA and paid the expenses from after-tax money (assuming a 25% federal income tax bracket and 5% state income tax), your $1,000 in medical expenses would cost you $1,428.57. Why? Here's the math. $1,428.57 - $357.14 (25% federal income tax) - $71.43 (5% state and county income tax) = $1,000 after tax. You can see the year-to-year savings potential of an HSA from this example. Long-Term Retirement Savings You can also use an HSA for long-term retirement savings by paying your current medical expenses out of pocket, while making contributions to your HSA. You can let the HSA balance grow, much like you would an IRA or 401(k). The maximum amount you can contribute to an HSA for 2018 is $3,450 for individuals or $6,900 for families. And you may get some help from your employer with those contributions. Last year, 26% of employers helped offset the costs of HSA contributions by making contributions to employee accounts. Those contributions averaged $868, according to Devenir, a consulting firm that works with HSA providers and employers. Let's assume that a worker is 40 years old, works until they are 65 and contributes $6,900 each year to his or her HSA. We'll assume a 4% average rate of return on the money invested in the HSA. At age 65, the HSA balance would be over $290,000. As long as that money is used for qualified medical expenses it will not be taxed. A recent estimate by Fidelity Investments indicates a couple retiring this year will need $275,000 to cover health care costs in retirement. I think you will likely have plenty of health care costs that you can use it for. (For related reading, see: How to Use Your HSA for Retirement.) Other HSA Features But what if you leave your current employer? What happens to your HSA? Money in your HSA rolls over at the end of the calendar year and HSAs are portable - that means you take it with you when you leave your employer. They are individually owned and not tied to employers. When you retire or leave your employer for any other reason, your HSA goes with you. Withdrawals from an HSA that are not used for qualified medical expenses are taxed at your income tax rate, plus a 20% tax penalty. However, once you reach age 65, distributions are never subject to penalty. You can use the money for whatever you want. If you do not use it for qualified medical expenses, it will be taxable at your income tax rate. This is the same way your 401(k) or a deductible IRA would be treated for tax purposes. You may not have 25 years to save in an HSA like the worker in my previous example. Maybe you're five or 10 years away from retiring. The HSA may still make sense for you. When you reach age 55 you can contribute an additional $1,000 per year to your HSA, for a total of $7,900. If you contributed that for five years and it grew at 4% it would be worth more than $44,000. If you're five to 10 years from retirement, you still have time to benefit from using an HSA. But what about the actual health insurance part? How do the HSA and HRA compare as far as paying for medical expenses? You need to analyze what your costs would be under both the HRA and the HSA. Which plan is most cost-effective will depend on the details of your insurance plan and what your medical expenses are. Often people ask me how they can save more money for retirement. They are maxing out their 401(k)s and Roth IRAs, but want to save even more. An HSA is an often overlooked tool for this. And it's a tax savings trifecta. The money goes in pre-tax, grows tax-deferred and comes out tax free, as long as you use it for health care expenses. Want to see how much you could save in income taxes and how much your contributions could grow to? Check out these calculators. Open enrollment is a busy time and there are a lot of choices to be made. Many times, it's easier just to continue doing what you've been doing. Hopefully this article can help you take some time to consider whether the health savings account might be a good option for you. (For more, see: Pros and Cons of a Health Savings Account.) Read more: Don't Overlook HSAs During Open Enrollment | Investopedia https://www.investopedia.com/advisor-network/articles/dont-overlook-hsas-during-open-enrollment/#ixzz5AlzWttQO Follow us: Investopedia on Facebook

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The Real Benefit of a High Deductible Health Plan Autumn is the time of year when you can see the leaves change colors, pick pumpkins and drink some warm apple cider. It also means that open enrollment is upon us. This time of year can be a bit confusing and intimidating when you are tasked with choosing your benefits package for the upcoming year. Your money is hard-earned, so let’s make sure you choose the best plan to maximize your potential savings while covering your health care needs. The High Deductible Health Plan Enter the high deductible health plan (HDHP). If you are relatively healthy, and do not typically go to the doctor’s office for more than routine checkups, you should seriously consider the HDHP. These plans have larger deductibles, the self-insurance hurdle that you must satisfy before your health plan kicks in, but also offer a tax-free way to save to cover those costs. For 2018 the minimum deductible for a single health plan is $1,350 with a maximum deductible of $6,550 and for a family plan the minimum is $2,700 with the maximum being $13,300. Typically, the higher the deductible the lower the monthly premium will be. The Benefits of a Health Savings Account The real benefit of being in a HDHP is the access you are given to a health savings account (HSA). The health savings account is where you elect to save some pre-tax dollars to cover any future medical expenses before you meet your deductible. This account also has an investment option, so when you have your maximum out-of-pocket dollar amount saved in cash you can start to invest these extra dollars. Now, these extra dollars are for health care expenses only, but they can be banked throughout your lifetime so when retirement rolls around you will have a very nice nest egg for your medical expenses. The most powerful and impactful use for this savings will be for long-term care. Health care costs for seniors are expected to grow at approximately 5.8% over the next 10 years, and these future costs are quickly becoming retirees' most pressing concern regarding their retirement. (For related reading, see: Rules for Having a Health Savings Account (HSA).) Not only can you bank these savings and invest them for future medical expenses, but once you turn age 65 you can pull your HSA funds out for everyday livings expenses and only have to pay income tax. The 20% penalty falls off once the account owner turns age 65. This means the HSA you have been putting money into for the last 20+ years has effectively become another retirement funding vehicle if health care costs are not a concern. The HDHP and HSA can be utilized as a very powerful savings tool to help with your retirement goals. But don’t forget that this is just a small piece that needs to fit in well with your current and future financial road map. Read more: The Real Benefit of a High Deductible Health Plan | Investopedia https://www.investopedia.com/advisor-network/articles/real-benefit-high-deductible-health-plan/#ixzz5AlxugMO4 Follow us: Investopedia on Facebook

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7 Common Questions and Answers About HSAs We love health savings accounts (HSAs) for healthy people. My husband has had one since 2005. By taking on more risk with a high deductible plan, the insurance company will lower your premium. Lately, more large companies have been offering eligible plans and HSAs. Here are answers to some complicated questions we get about HSAs: 1. Whose Medical Expenses Are Covered by an HSA? My health plan is a cost-sharing ministry and my husband has a high-deductible health plan (HDHP) that qualifies him to have an HSA. Distributions for qualified medical expenses for both of us are allowed to be made tax-free from his HSA. If we had dependent children, we would also be able to make tax-free distributions to cover their medical expenses. 2. Do Employer Contributions Affect My HSA Contribution Limit? Yes! The contribution limits for 2018 are $3,450 for individuals and $6,900 for family coverage for those under the age of 55. If your employer contributes $2,000 to your HSA, your limit is reduced to either $1,450 or $4,900. The employer contribution will not be included in your income so it is free money. You just can’t deduct what has not been included in your taxable income. 3. What Is the HSA Contribution Limit for a Family? In order to have an HSA, you must have a high deductible health plan (HDHP), meaning the deductible has to be at least $1,350 for a self-only plan and $2,700 for a family, and the out-of-pocket maximums are $6,650 and $13,300 for self-only and family plans, respectively. You also cannot have any other coverage. If either spouse has a family HDHP, both spouses are treated as having family HDHP coverage. If the husband’s plan from above is a high deductible plan and the wife’s plan is not, the husband could establish an HSA in his name (there are no joint HSA accounts) and since he has a family plan, he can contribute $6,900. Distributions from the plan could cover medical expenses for the husband, wife and dependent kids. If both spouses have family HDHP coverage under separate plans, they can each establish their own HSA, but they will still be limited to one $6,900 contribution between them for the year. They can split the contribution to their separate HSA accounts however they choose as long as their combined contributions (plus any employer contributions) do not exceed $6,900 per year. (For related reading, see: How to Qualify to Contribute to an HSA.) If a husband and wife each have a self-only HDHP, they can each only contribute to their own HSA at the individual level of $3,450. 4. Is There an Increase in the Contribution Level When I Turn 55? Yes! If you are 55 or older at the end of the tax year, you can contribute an extra $1,000 to your HSA, as long as you are not covered by Medicare. You can make the contribution in the year you turn 55, prior to your birthday, as long as you are 55 by the end of the year. Since HSAs are individual accounts, you must make the extra $1,000 to your own HSA. If both spouses are 55 or older, both must have their own HSA in order to each make the extra $1,000 contribution. 5. When Is the Deadline to Make a Contribution? You can make contributions to your HSA up until April 16, 2018 for 2017. You do not have to make all the contributions by December 31 to claim a deduction. (For related reading, see: Another Last Minute Deduction: HSAs.) 6. What if I Am Only Covered by an HDHP for Part of the Year? There is a special last month rule that says if you are eligible to contribute to an HSA as of December 1, you are considered to be eligible for the whole year. You can make a contribution for the full year. However, there is a catch. You have to remain eligible for an HSA through December 31 of the following year. If you don’t, you will have to include the amount over-contributed in income and pay taxes and a 10% penalty on it. For example, Ann, age 51, became eligible for an HSA on December 1, 2016. She had family HDHP coverage on that date. She contributed $6,750 to her HSA. She became ineligible for an HSA on June 1, 2017 because she changed jobs and no longer had a HDHP. Because she did not remain eligible until December 31, 2017, she has to include in her 2017 income the contributions that would not have been made except for the last month rule. Without this rule, her contribution would have only been $562.50 ($6,750/12). Ann has to include $6,187.50 ($6,750-$562.50) in income and pay tax and a 10% penalty on this amount. 7. What Changes When I Go on Medicare? Starting with the month you enroll in Medicare, your HSA contribution limit is zero. However, you can contribute up until that month. Here is how it works: You turn 65 in July, 2018 and enroll in Medicare that month. You have an HDHP with self-only coverage and are eligible for an additional contribution of $1,000. Your contribution limit for 2018 will be $2,225 ($4,450/2). Read more: 7 Common Questions and Answers About HSAs | Investopedia https://www.investopedia.com/advisor-network/articles/7-common-questions-and-answers-about-hsas/#ixzz5Alx0MBJc Follow us: Investopedia on Facebook

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How Does Dental Insurance Work? Dental insurance policies help many people effectively budget for the cost of maintaining a great smile. Compared to medical insurance, understanding dental insurance policies is a breeze. Most policies are straightforward and specific regarding what procedures are covered and exactly how much you have to pay out-of-pocket. Dental insurance is available as part of medical insurance plans or as a standalone policy. Waiting Period for Dental Insurance Most dental insurance policies have waiting periods ranging from six to 12 months before any standard work can be done. Waiting periods for major work are typically longer and can be up to two years. These periods are set in place by insurance companies to guarantee they profit off a new account and to discourage people from applying for a new policy to cover impending procedures. (For related reading, see: 6 Dental Insurance Plans With No Waiting Periods.) Deductibles, Co-Pays and Co-Insurance An insurance deductible is the minimum amount that must be paid before the insurance policy pays for anything. For example, if the deductible is $200 and the covered individual’s procedure is $179, the insurance does not kick in and the individual pays the entire amount. Co-pays, which are a set dollar amount, may also be required at the time of the procedure. Once a deductible is met, most policies only cover a percentage of the remaining costs. The remaining balance of the bill paid by the patient is called co-insurance, which typically ranges from 20% to 80% of the total bill. How Dental Insurance Categorizes and Pays for Procedures Dental procedures covered by insurance policies are typically grouped into three categories of coverage: preventive, basic and major. Most dental plans cover 100% of preventive care such as annual or semi-annual office visits for cleaning, X-rays and sealants. Basic procedures are treatment for gum disease, extractions, fillings, and root canals, with deductibles, co-pays and co-insurance determining the patient’s out-of-pocket expenses. Most policies cover 70% to 80% of these procedures, with patients paying the remainder. Major procedures such as crowns, bridges, inlays and dentures are typically only covered at a high co-payment, with the patient paying more out-of-pocket expenses than other procedures. Every policy differs in how procedures are categorized as preventive, basic and major, so it is important to understand what is covered when comparing policies. Some policies group root canals as major procedures, while others treat them as basic procedures and cover much more of the cost. (For related reading, see: 4 Important Steps for Choosing Dental Insurance.) Dental Insurance Does Not Cover Cosmetic Procedures Most dental insurance policies do not cover any costs for cosmetic procedures such as teeth whitening, tooth shaping, veneers and gum contouring. Because these procedures are intended to simply improve the look of your teeth, they are not considered medically necessary and must be paid for entirely by the patient. Some policies cover braces but usually require paying for a special rider and/or delaying braces for a lengthy waiting period. Yearly Maximum While most medical insurance policies have yearly out-of-pocket maximums, the majority of dental policies cap the amount of annual coverage. Coverage maximums typically range from $750 to $2,000 per year and generally speaking, the higher the monthly premium, the higher the yearly maximum. Once the yearly maximum is reached, patients must pay for 100% of any remaining dental procedures. Many insurance companies offer policies that roll over a portion of the unused annual maximum to the next year. (For related reading, see: 5 Dental Insurance Plans With No Annual Maximum.) Applying Tax Credits for Dental Insurance Any leftover tax credit not used to pay for your family’s health insurance purchased through Healthcare.gov may be applied to pediatric dental insurance premiums if your medical insurance policy does not include dental coverage. If your health insurance policy includes children’s dental coverage, you cannot use tax credits to buy an additional plan. (For more, see: Should You Bite on Dental Insurance?)

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Take Advantage of FSA Tax Savings Flexible spending accounts (FSA) are underutilized. If everyone knew they could save 20% off their health care bills, the story might be different. The discount every person receives will depend on their tax rate. There are two types of pre-tax FSAs. One account is for dependent children and the other is for healthcare expenses. For the tax year 2017, you can elect to allocate a maximum of $2600 for health care. The maximum allocation for dependent care is $5000. A dependent-care flexible spending account can be used to pay for dependent care services, such as day care, preschool, summer camps and non-employer-sponsored before or after school programs. It can also be used for elder daycare when an elderly or disabled parent is considered a dependent and you are covering more than 50% of their maintenance costs. For many parents like me it’s much easier to get an idea of how much you spend on dependent care than health care. Deciding How Much to Put in a Health Care FSA Health care flexible spending account expenses include doctors' visits, prescription medications and glasses. If eligible, see your plan’s rules for a complete description of qualifying expenses. If you and your spouse each have a health care FSA, you may each contribute up to the annual maximum, however you may not submit the same claims to both accounts, and you may not transfer funds between them. Figuring out health care spending is a bit more complex for most people. First, we don’t want to have health care expenses. Who wants to be sick? Second, the expenses for doctors, hospitals, clinics and drugs are much more complicated. (For related reading, see: How Flexible Spending Accounts Work.) To get an idea of how much you'll want to save in your FSA, you can look at past statements from your insurance company, hospital, doctors and pharmacies. Many people pay for their medical expenses on their credit card and don’t think too much about it. However, if they could essentially pay $0.80 and get a dollar of care, they may look at things differently. Examples of FSA Tax Savings The following examples show results from a Google search for FSA tax savings calculators. They assume a married couple making $100,000 with two dependent children and using the maximum FSA amounts. The total saved was $2026. Your actual individual savings would be based on your income, marital status, dependents, etc. See your tax advisor for tax advice to discuss your particular situation. If You Contribute Your Total Anticipated Health Expenses to an FSA* If You Contribute to a Dependent Care FSA Don’t Flex Spend the Savings The tax savings you receive should not be treated like extra cash. Consider adding it to an emergency fund or 401(k), or opening an IRA. (For more from this author, see: How to Maximize the Use of Your HSA.) *The IRS limits your maximum annual contribution to $2600 in 2017. Your employer may also set limits on your maximum annual contribution, as well as which products and services are FSA eligible. Please check with your employer’s benefits representative before making a final decision. The estimated tax savings provided are for illustrative purposes only, and should not be construed as tax advice. Consult a licensed tax professional for appropriate advice given your individual situation. Plan your FSA contribution carefully, since any unused funds will be forfeited following the end of your plan year or any grace period thereafter.