Monday, October 14, 2019

Medicare Open Enrollment Begins

Insurance Commish Miguel Chaney issued the following statement. 

The open enrollment period for Medicare runs from October 15 through December 7, 2019 at which time you may change your Medicare health or prescription coverage for 2020.

“As Insurance Commissioner I take my responsibilities of protecting the consumers of this state very seriously. Never is that more true than when it comes to the ever-growing, complex issues facing seniors in Mississippi relating to their health coverage,” said Insurance Commissioner Mike Chaney. “Rising health care costs put a strain on many retirement budgets and seniors need to remain well informed to make the most economical decisions.”

While the Mississippi Insurance Department (MID) does not regulate Advantage Plans, the MID is available to answer questions if you have concerns or are confused by the open enrollment process. Consumers with questions should call 1-800-562-2957.

Medicare is a federal insurance program comprised of four parts that is administered by the Centers for Medicare & Medicaid Services (CMS). Medicare is for people age 65 or older or for people who are under 65 with certain disabilities or End Stage Renal Disease.

There are several things you should consider during each open enrollment period:

·         Read all notices you get from Medicare about upcoming changes, many of which can be found in the annual Medicare Supplement Shoppers Guide issued by MID.
o   Yearly Medicare revisions can include such changes as out of pocket limits and prescription costs.
·         Know that there are programs out there to assist you in paying for Medicare. You can find out about these programs at or the Division of Aging and Adult Services of the Mississippi Department of Human Services.

Individuals who contact you about any type of private Medicare coverage:
·         Must be licensed by the state. Check with the Mississippi Insurance Department to make sure the salesperson is a licensed agent.
·         May not make unsolicited contact, such as door-to-door sales, cold calls or approaching you in a parking lot.
·         Must make an appointment before coming to your home.
·         Must arrange in advance the type of products that will be discussed during a scheduled sales appointment. At the appointment, the salesperson may not try to sell you other types of insurance coverage other than the type(s) agreed upon in advance.
·         May not try to sell you non-health care related products (like a life insurance policy or an annuity) during a sales or marketing presentation of a Medicare prescription drug or Medicare Advantage plan.
·         May not attempt to sell you a plan in certain health care settings, such as a doctor’s office or a pharmacy.
·         May not attempt to sell you a plan at an educational event.
·         May not offer you free meals at promotional or sales events.
·         Do not give out personal information, such as Social Security numbers, bank account numbers or credit card numbers to anyone you have not verified as a licensed agent. People are not allowed to request such personal information in their marketing activities and cannot ask for payment over the Internet. They must send you a bill. Once you decide to purchase a plan and have verified that the agent is licensed, you may give the agent personal information to assist in enrollment and billing.


Anonymous said...

Hey old people, why don’t you pay for your own damn medical coverage. Government is subsidizing way too much of yalls medical care and it’s going to bankrupt us all. Throw social insecurity in their too. If you properly plan for retirement as I am you will be able to live government free in your later years.

Anonymous said...

There ought to be a federal law against those commercials (and the products they hawk) that attempt to trick old folks into thinking if 'you call this number you can get the additional Medicare benefits to which you are entitled up to and including dental, vision and hearing'. Of course the fine print, which no humanoid can read, tells us they are not affiliated with any government program and the coverage will cost you out the ass.

Unless you have had significant problems with your current secondary policy, stick with what you have and tune out all the 'open enrollment hype and bullshit'....including that from Chaney.

Anonymous said...


I don't know what rock you've been living under but you need to educate yourself on how Social Security and Medicare are funded. I and my employers through the years PAID for SS and Medicare. Also the years that I was self employed I paid double since I had to contribute what an employer would have. Yes, I planned for my retirement but SS and Medicare payments are MY MONEY that I paid into the system. Damn right I gonig to get back as much of what I put in as I can. SS and Medicare ARE NOT entitlement programs!

Anonymous said...

"Hey old people, why don’t you pay for your own damn medical coverage."

Bet you didn't know it was paid for in advance, did you dullard?

Anonymous said...

Hey 2:54, I turned 65 this year and enrolled in Medicare. By most standards I am classified as wealthy and can live without assistance – at least until my mental ability rots away. However, the Federal government punishes my independence with permanent penalties if I postpone Medicare. While I have paid in the maximum amount of self-employment Medicare and SS taxes -- now 15.3% -- right off the top of my own revenue (that’s my gross pay, not earnings) for forty years, I also capped out on the maximum monthly social security benefit that I will ever receive (inflation adjusted) eleven years ago, and will continue to pay the 15.3% self-employment tax for the next five years until I begin taking social security at age of 70. That’s sixteen extra years of double FICA tax on which I get nothing.

I find the following scenario likely: Medicare payouts by the federal government for my future health needs will greatly exceed the amount that I have paid in -- the government is indeed paying a large subsidy. However, I am not going to let the government punish me with permanent penalties for not signing up for Medicare now – particularly since I have to pay both the premium and the self--employment tax. On the other hand, if I had been able to invest that 15.3% over the past eleven years and the next five, I would have amassed a small fortune on that alone.

The reality, of course, is that all of the tax money that I have paid has already been spent elsewhere. I conclude, therefore, that the government rips off me, you, our children, and grandchildren. However, the solution does not lie in your statement,” [W]hy don’t you pay for your own damn medical coverage.” And, don't group me in with those who say, “By God I’m entitled to it because I paid for it.”

Anonymous said...

Stick with old Medicare ... Medicare Advantage is a scam.

Anonymous said...

2:54 PM is a fucking troll, but KF needs the clicks.

Anonymous said...

8:21, Be careful who you call a dullard. The money you, and your employer for you if you worked for someone, sent in was spent by the government in the year received, but not on you. The only way you get benefits is if someone else is sufficiently taxed during your benefit period, or if the government is able to borrow money or create it through its inflationary credit system. If that process ends or declines as predicted in the next quarter century – via insolvency, inflation, or the voting power of an upcoming generation – then you will discover who the dullard is. You did not make a single payment in “advance”. You only voted for politicians who promised you benefits using dishonest language.

Anonymous said...

This all sounds like a massive Ponzi scheme.

Macy Hanson said...

10:49 seems to be winning this debate to me.

Anonymous said...

Hey 2:54, Since you're "planning" to do without it... how 'bout we rig something where you could just apply your deductions to my SS account?

Anonymous said...

Give me a way to opt out of this Ponzi scheme and gladly I will. Fact is other than not working and living on the real "entitlement programs" to which I would have contributed nothing, I have NO CHOICE. Yes, I will continue to bleed the system if that is the way some of you see it. By the way, will someone please remind me which political party started Social Security? While you at it let me know which party started most (if not all) of the entitlement programs we have today that are bleeding dry us working people.

S 6:13PM

Anonymous said...

10:49 can't possibly win the debate by posting blatant inaccuracies.

And suddenly we rise up, fully awake, and realize this is a giant ponzi scheme. Every form of entitlement is a ponzi scheme, by definition. All ponzis are not negative or out to steal your money. Most of what society offers us are based on ponzi theory. Even our traffic signals and roads, which will wear out before we can afford we have to float loans to buy them. In gambling circles we call it 'betting on the come'. Pay attention to the smallest details of life.

Professor X said...

Why don’t we just terminate all old people at age 70. Think of all the money the government would save. Also those younger would not have to pay any SS taxes and enjoy a more affluent lifestyle. Only those like 2:54. Would be permitted to continue life as they have planned their life perfectly and been immune to any life altering illness, financial calamities, market crashes , etc that can disrupt any financial plans.

Anonymous said...

Eat your heart out you ill-prepared for retirement. I have Medicare and Tricare and plan to live at least to 100. And my state retirement gives me a great cost-of-living increase every year. However, my Tricare pharmacy is increasing from $6.00 to $10.00 for a 90-day supply of meds. But since I don't pay State income tax on my State, Social security or Military retirement I can afford the increase. Ain't life wonderful!!!

Anonymous said...

3:44 brings up an interesting point. What's the difference between Tri-Care For Life and a thirteenth check under PERS? One appears to be breaking the state system and the other is not even trackable. And when a state retiree dies, if he elected properly, his spouse continues to receive his check for life. Same with the spouse of a vet on Tri Care who dies. Tri Care is on the federal dime, right? Therefore it's not even real money (wink).

Anonymous said...

2:54 isn’t old or smart enough to understand the saying about best laid plans

Anonymous said...

3:44 those who can’t do work for the government

Anonymous said...

The 13th check is a bad decision. Why wait a full year to get your cost of living increase? Just have it added to your retirement each month.

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Trollfest '09

Trollfest '07 was such a success that Jackson Jambalaya will once again host Trollfest '09. Catch this great event which will leave NE Jackson & Fondren in flames. Othor Cain and his band, The Black Power Structure headline the night while Sonjay Poontang returns for an encore performance. Former Frank Melton bodyguard Marcus Wright makes his premier appearance at Trollfest singing "I'm a Sweet Transvestite" from "The Rocky Horror Picture Show." Kamikaze will sing his new hit, “How I sold out to da Man.” Robbie Bell again performs: “Mamas, don't let your babies grow up to be Bells” and “Any friend of Ed Peters is a friend of mine”. After the show, Ms. Bell will autograph copies of her mug shot photos. In a salute to “Dancing with the Stars”, Ms. Bell and Hinds County District Attorney Robert Smith will dance the Wango Tango.

Wrestling returns, except this time it will be a Battle Royal with Othor Cain, Ben Allen, Kim Wade, Haley Fisackerly, Alan Lange, and “Big Cat” Donna Ladd all in the ring at the same time. The Battle Royal will be in a steel cage, no time limit, no referee, and the losers must leave town. Marshand Crisler will be the honorary referee (as it gives him a title without actually having to do anything).

Meet KIM Waaaaaade at the Entergy Tent. For five pesos, Kim will sell you a chance to win a deed to a crack house on Ridgeway Street stuffed in the Howard Industries pinata. Don't worry if the pinata is beaten to shreds, as Mr. Wade has Jose, Emmanuel, and Carlos, all illegal immigrants, available as replacements for the it. Upon leaving the Entergy tent, fig leaves will be available in case Entergy literally takes everything you have as part of its Trollfest ticket price adjustment charge.

Donna Ladd of The Jackson Free Press will give several classes on learning how to write. Smearing, writing without factchecking, and reporting only one side of a story will be covered. A donation to pay their taxes will be accepted and she will be signing copies of their former federal tax liens. Ms. Ladd will give a dramatic reading of her two award-winning essays (They received The Jackson Free Press "Best Of" awards.) "Why everything is always about me" and "Why I cover murders better than anyone else in Jackson".

In the spirit of helping those who are less fortunate, Trollfest '09 adopts a cause for which a portion of the proceeds and donations will be donated: Keeping Frank Melton in his home. The “Keep Frank Melton From Being Homeless” booth will sell chances for five dollars to pin the tail on the jackass. John Reeves has graciously volunteered to be the jackass for this honorable excursion into saving Frank's ass. What's an ass between two friends after all? If Mr. Reeves is unable to um, perform, Speaker Billy McCoy has also volunteered as when the word “jackass” was mentioned he immediately ran as fast as he could to sign up.

In order to help clean up the legal profession, Adam Kilgore of the Mississippi Bar will be giving away free, round-trip plane tickets to the North Pole where they keep their bar complaint forms (which are NOT available online). If you don't want to go to the North Pole, you can enjoy Brant Brantley's (of the Mississippi Commission on Judicial Performance) free guided tours of the quicksand field over by High Street where all complaints against judges disappear. If for some reason you are unable to control yourself, never fear; Judge Houston Patton will operate his jail where no lawyers are needed or allowed as you just sit there for minutes... hours.... months...years until he decides he is tired of you sitting in his jail. Do not think Judge Patton is a bad judge however as he plans to serve free Mad Dog 20/20 to all inmates.

Trollfest '09 is a pet-friendly event as well. Feel free to bring your dog with you and do not worry if your pet gets hungry, as employees of the Jackson Zoo will be on hand to provide some of their animals as food when it gets to be feeding time for your little loved one.

Relax at the Fox News Tent. Since there are only three blonde reporters in Jackson (being blonde is a requirement for working at Fox News), Megan and Kathryn from WAPT and Wendy from WLBT will be on loan to Fox. To gain admittance to the VIP section, bring either your Republican Party ID card or a Rebel Flag. Bringing both and a torn-up Obama yard sign will entitle you to free drinks served by Megan, Wendy, and Kathryn. Get your tickets now. Since this is an event for trolls, no ID is required. Just bring the hate. Bring the family, Trollfest '09 is for EVERYONE!!!

This is definitely a Beaver production.

Note: Security provided by INS.

Trollfest '07

Jackson Jambalaya is the home of Trollfest '07. Catch this great event which promises to leave NE Jackson & Fondren in flames. Sonjay Poontang and his band headline the night with a special steel cage, no time limit "loser must leave town" bout between Alan Lange and "Big Cat"Donna Ladd following afterwards. Kamikaze will perform his new song F*** Bush, he's still a _____. Did I mention there was no referee? Dr. Heddy Matthias and Lori Gregory will face off in the undercard dueling with dangling participles and other um, devices. Robbie Bell will perform Her two latest songs: My Best Friends are in the Media and Mama's, Don't Let Your Babies Grow up to be George Bell. Sid Salter of The Clarion-Ledger will host "Pin the Tail on the Trial Lawyer", sponsored by State Farm.

There will be a hugging booth where in exchange for your young son, Frank Melton will give you a loooong hug. Trollfest will have a dunking booth where Muhammed the terrorist will curse you to Allah as you try to hit a target that will drop him into a vat of pig grease. However, in the true spirit of Separate But Equal, Don Imus and someone from NE Jackson will also sit in the dunking booth for an equal amount of time. Tom Head will give a reading for two hours on why he can't figure out who the hell he is. Cliff Cargill will give lessons with his .80 caliber desert eagle, using Frank Melton photos as targets. Tackleberry will be on hand for an autograph session. KIM Waaaaaade will be passing out free titles and deeds to crackhouses formerly owned by The Wood Street Players.

If you get tired come relax at the Fox News Tent. To gain admittance to the VIP section, bring either your Republican Party ID card or a Rebel Flag. Bringing both will entitle you to free drinks.Get your tickets now. Since this is an event for trolls, no ID is required, just bring the hate. Bring the family, Trollfest '07 is for EVERYONE!!!

This is definitely a Beaver production.

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