Help

HelpAdvocate for initiatives to protect and sustain natural resources, statewide and in your community

Meet

Network with farmers locally and across the state and Influence elected officials, agency directors and policy makers

Learn

Access resources and current industry information

Discover what's happening in your local community

Save

SaveTake advantage of discounts in your own backyard
Receive discounts statewide on hotels, vehicle purchases and car rental

County News

Lisa Zielinski- Bay County Farm Bureau Administrative Manager

Medicare made easy

You’re turning 65 in a few months. Your mailbox starts filling up with advertisements about Medicare supplements, Medicare drug coverage, and Medicare Advantage plans. Your phone is suddenly ringing off the hook with solicitors who want to sell you new health insurance products. You haven’t entered the Twilight Zone … you’re just becoming eligible for Medicare.

But what is Medicare, you may ask. How do I get it? What does it cover? And do I need additional coverage to go with it? All valid questions.

What is Medicare?
Medicare is a federal health insurance program primarily for people age 65 and older, but it also covers people under the age of 65 with certain medical disabilities or diseases.

You’re automatically eligible for Medicare at age 65 if:
You are a U.S. citizen or a permanent legal resident who has lived in the United States for at least five years; and
        You or your spouse has worked long enough to be eligible for Social Security benefits – usually having earned 40 credits from about 10 years of work – even if you are not yet receiving these benefits.

How do I enroll in Medicare?
If you’re already drawing your Social Security benefits, you’ll automatically get Medicare Part A and Part B starting the first day of the month you turn 65. (If your birthday is on the first day of the month, Part A and Part B will start the first day of the prior month.) Medicare Part A is hospital insurance (facility charges) and Part B is medical insurance (covers the people who provide your care).

You’ll receive your Medicare ID card in the mail three months prior to your 65th birthday. If you do nothing, you’ll keep Part B and will have to pay Part B premiums. You can choose not to keep Part B, but if you decide you want Part B later, you may have to wait to enroll and pay a penalty for as long as you have Part B.

If you aren’t getting benefits from Social Security at least four months before you turn 65, it’s your responsibility to sign up for Medicare Part A and/or B by contacting Social Security. You have seven months to enroll in Medicare, starting 3 months prior to your 65th birthday month and ending 3 months after your birthday month. But it’s best to sign up well before your birthday month to avoid delays in coverage.

To enroll in Medicare:
        Apply online at https://SSA.gov/benefits/medicare
        Visit your local Social Security office, or
        Call Social Security at 1-800-772-1213.

Should I get Part B?
If you or your spouse is still working and you have health coverage through that employer or union, contact your employer or union benefits administrator to find out how your coverage works with Medicare. As a general rule of thumb, if the employer group health plan covers 20 or more employees, you may be able to delay taking Part B – with no penalty – until the employee retires. The employer group health plan will remain your primary insurance and Medicare Part A will be your secondary insurance. If the employer group health plan covers less than 20 employees, you’ll probably need to take Part B when you’re first eligible for it to avoid lapses in coverage and late enrollment penalties. In this case, Medicare will be your primary insurance, and the employer group health plan will be your secondary insurance.

What does Medicare cover?
Medicare Part A
Medicare Part A is hospital insurance that helps covers the facility charges when you are in a hospital or skilled nursing facility, as well as covers most of the cost for hospice care and home health care. As long as you or your spouse has worked and paid Medicare taxes for at least 40 quarters, you won’t pay a premium for Part A.

If you’re admitted to a hospital or skilled nursing facility, you’ll be responsible for paying a deductible of $1,408 for each hospital benefit period in 2020. Generally, a hospital benefit period starts the day you are admitted to the hospital and ends after you’ve been out of the hospital for 60 continuous days. Once you’ve paid your Part A deductible, you pay $0 for days 1-60 of a hospital benefit period. However, if you’re in the hospital for an extended period of time, you would pay $352 per day for days 61-90. For days 91 and beyond, you would pay $704 per each “lifetime reserve day” you use to extend a hospital benefit period. You are allotted 60 lifetime reserve days over your lifetime. After your lifetime reserve days are used up, you would pay all costs for days 91 and beyond of an extended hospital stay.

Please note: These deductible and copay amounts may be adjusted each year.

Medicare Part B
Medicare Part B is medical insurance that helps pay for the people (doctors and nurses) who provide your care, diagnostic tests, ambulance, outpatient services, preventive services, and more. The standard Part B premium amount is $144.60 per month (or higher, depending on your income).

You’ll pay an annual Part B deductible of $198 in 2020. After your deductible is met, you typically pay 20% of the Medicare-approved amount for most doctor services (including most doctor services while you’re a hospital inpatient), outpatient therapy, and durable medical equipment.

Do I need additional coverage to go with Medicare?
Medicare doesn’t cover everything. For example, Medicare Parts A and B don’t cover most prescription drugs, dental care, routine vision care and eyeglasses, hearing aids, or long-term care in a nursing home. And Medicare’s deductibles and copays can add up rather quickly if you need surgery or have a medical emergency. So most people choose to add other coverage to their Medicare Part A and Part B benefits.

You have two paths to choose from when adding onto your Medicare benefits. You choose to add Medicare Part D prescription drug coverage and a Medicare Supplemental insurance policy, or you can choose a Medicare Part C (Medicare Advantage) plan.

Medicare Part D
Medicare Part D is prescription drug coverage that you can purchase from a private insurance company that contracts with Medicare. You can buy Part D as a stand-alone prescription drug plan or as part of a Medicare Part C (Medicare Advantage) health plan. Part D monthly premiums vary by plan.

        If your income is above a certain limit, you’ll pay an income-related monthly adjustment amount in addition to your plan premium.
        If your income is below a certain amount, you may qualify for the Extra Help program that helps pay your Part D premiums and lowers your drug copays.

If you don’t enroll in Medicare Part D when you are first eligible, and you don’t have other prescription drug coverage, you may pay a late enrollment penalty when you do enroll in Part D.

You get an initial enrollment period to join a Medicare Part D plan that is seven months long and begins three months prior to your 65th birthday month. You also get an Annual Enrollment Period from October 15 – December 7 each year when you can switch plans for the upcoming calendar year.

Medicare Supplemental Insurance (Medigap)
Medicare Supplemental insurance, also known as Medigap, can be purchased from private insurance companies to help fill the “gaps” in Medicare. There are 10 standard Medigap plans. Medigap plans named with the same letter have identical benefits regardless which company offers it. Medigap plans help pay some or all of Medicare’s deductibles and copays for you, as well as extending your hospital coverage by an additional 365 days.

You get one Medigap Open Enrollment Period in your lifetime. This enrollment period starts on the first day of the month in which you are both age 65 or older and enrolled in Medicare Part B and lasts for 6 months. During your Medigap Open Enrollment Period, you can join any Medigap plan available in your area with no health questions asked. After your Medigap Open Enrollment Period expires, you can still apply for a Medigap plan at any time, but the insurance company is not obligated to accept you, and if they do, they can charge you a higher premium based on your health status.

Medicare Part C (Medicare Advantage plans)
A Medicare Advantage plan (like an HMO or PPO) is another way to get your Medicare coverage. Medicare Advantage plans, sometimes called Part C, are offered by Medicare-approved private companies that must follow rules set by Medicare. If you join a Medicare Advantage plan, you’ll still have Medicare, but you’ll get your Medicare Part A and Part B coverage from the Medicare Advantage plan, not Original Medicare. In most cases, you’ll need to use health care providers who participate in the plan’s network.

In addition to covering your Medicare Part A and Part B benefits, most Medicare Advantage plans also provide your Part D prescription drug coverage. And they may include extra benefits as well, such as dental, vision, hearing aids, and free gym memberships.

You get an initial enrollment period to join a Medicare Advantage plan that is seven months long and begins three months prior to your 65th birthday month. You also get an Annual Enrollment Period from October 15 – December 7 each year when you can switch plans for the upcoming calendar year. If you join a Medicare Advantage plan, you don’t need a Medigap plan.

Need help making a decision? Give me a call at 989-684-2772. My office hours are 9am-5pm, Monday – Friday.
Medicare Made Easy If you are turning 65 and have questions about your Medicare options...

State News

Kent County Farm Bureau member Kylee Zdunic-Rasch speaks on a policy amendment at the 2019 Michigan Farm Bureau State Annual Meeting.

If anyone worried COVID would dampen the grassroots spirit of county Farm Bureau members involved in the policy development process, they were fretting over nothing. They’d also be wrong to think a mere pandemic would jeopardize the quality of policy recommendations submitted by Michigan’s county Farm Bureaus. If anything, 2020 appears to have strengthened our members’ resolve and sharpened their talent for crafting meaningful, well-thought-out policies to protect and enhance Michigan agriculture and our rural communities.

Michigan Farm Bureau’s state policy development committee recently spent two days in Lansing deliberating nearly 500 policy recommendations from 60 county Farm Bureaus and 12 state advisory committees. The result is a carefully crafted slate of resolutions that 400-plus delegates to MFB’s 101st annual meeting will debate and approve, setting the organization’s course for 2021.

Unlike any previous annual meeting, county Farm Bureau delegates are encouraged to spend time preparing for the all-virtual delegate session Dec. 2 — the first of its kind in MFB history and certainly an unforgettable way to kick off the organization’s second century.

In his capacity as chair of the state policy development committee, MFB Vice President Andy Hagenow’s guidance is firm and simple:

“Attend your district delegate meeting,” Hagenow urges. “We’ll have limited time to discuss the policies during the delegate session, so it’s important members get together to determine what questions they have.

“Members should try to prepare amendments in advance to make the best use of our time during this year’s abbreviated delegate session.” 

A small sampling of policies with significant amendments are summarized below. The complete policy docket will be available online in early November.

COVID-19 and Emergency Powers 

To no one’s surprise, delegates will consider numerous amendments stemming from COVID-19, conflicting government authority, and food and agriculture industry disruptions.

“There were a lot of resolutions specifically dealing with COVID and executive orders that have been embedded all over the policy book,” said committee member and District 7 Director Mike DeRuiter. “That’s one of the pieces I would definitely focus on as a delegate.”

Among the amendments:

  • Provisions requesting that proper security, identification and safety protocols be followed by state agency personnel when visiting farms, including compliance with executive orders (Policy #16 Food Safety).
  • Opposition to a segment of the workforce being targeted for mandatory testing or regulatory compliance (Policy #47 Agricultural Labor).
  • Support for allowing healthcare facilities to decide to remain open during emergency circumstances (Policy #62 Health).
  • Language stating that rulemaking authority should be limited by legislative actions and state government should be subject to the Freedom of Information Act when emergency powers are enacted (Policy #67 Regulatory Reform and Reduction).
  • Support for government checks and balances during emergency power situations and that those powers should be valid for a maximum of 28 days without legislative oversight (Policy #68 Streamlining Michigan Government).
  • Support for liability protection for employers providing proper training, personal protection equipment, and working in good faith to protect employee health (Policy #69 Tort Liability Reform).
  • Support for a refundable income tax credit for businesses shut down due to government-issued executive orders (Policy #91 Taxation).

Transportation

Delegates will also review an overhaul of MFB’s longstanding policies on transportation.

State committee member Jarris Rubingh explained that a new “Transportation Improvement” policy will replace existing policies #95 Highway Improvements and Maintenance and #96 Highways and Funding.

“The transportation subcommittee went through the book, and we have a lot of policy on transportation, whether it’s road funding, improvements, rights of way, etc.” Rubingh said. “We tried to organize it so that it would make more sense and be easier to find specific things.

“Read through the whole transportation policy, because we deleted very little… It’s just moved around to make it more concise.”

Meat Processing

County Farm Bureaus also had strong feelings this year about challenges and opportunities for the state’s meat-processing industry.

“We probably had over 20 different county policy recommendations for the meats industry and processing side,” said John Bowsky, state committee member representing district 6. “We crafted a brand-new policy under commodities and marketing, so you’ll be seeing all-new language.”

The proposed “Michigan Meat Processing Industry” policy would add language supporting:

  • Studying the meat-packing industry’s retail sales, custom-exempt facilities, market access, expansion opportunities and regulatory issues.
  • A partnership between MSU, community colleges, career technical schools and the livestock industry to establish a livestock harvest/meat processing certification program.
  • Investment in and promotion of more mobile agricultural processing labs.
  • Creating a Michigan-based meat inspection and licensing system for in-state processing.
  • Limiting regulatory burden for small and medium-sized meat processors while protecting and enhancing food safety.
  • State funding and low-interest loans for small and medium-sized facilities to comply with regulatory requirements.
  • Greater utilization of the meats laboratory and professionals at MSU to support the meat industry, educate students and train industry professionals.

Environmental

Delegates will review proposed changes to the structure of the organization’s environmental policies.

A new policy, Michigan Agriculture Environmental Assurance Program (MAEAP), was created by relocating MAEAP-specific language from policies #73 Environmental Protection and Authority and #80 Nonpoint Source Pollution and Watershed Management. If approved, the shift would streamline some of the bulkiest policies in the book.

In terms of new language, delegates should look for the addition within Policy #73 Environmental Protection and Authority calling for evaluation of the National Pollutant Discharge Elimination System (NPDES) permitting process in Michigan and supporting an MFB study committee on the topic.

Bovine Tuberculosis  

Policy #34 TB – Mycobacterium Bovis Tuberculosis, continues to be a priority as delegates consider language to support requiring heads from all deer taken on private and public lands in the Modified Accredited Zone and surrounding TB surveillance counties be submitted for testing. The amended policy also calls for supporting the movement of cattle out of the region to maintain market access, if testing and other requirements are met.

If anyone worried COVID would dampen the grassroots spirit of county Farm Bureau members involved in the policy development process, they were fretting over nothing.

The “hybrid-virtual” format of this year’s Michigan Farm Bureau Annual Meeting marks the event’s biggest makeover since it outgrew and left the Michigan State University campus in 1970. Wrinkles are still being ironed, but what’s coming slowly into focus are the promising opportunities for refreshed member involvement at the county and regional level.

That grassroots activity is at the heart of the monthlong agenda, and there’s a lot to accomplish between the Nov. 4 kickoff and Dec. 2 business sessions.

District-level meetings Nov. 9-19 will offer a new kind of delegate experience for those chosen to represent their county Farm Bureaus. Delegate registration will be open Oct. 12-23; substitution deadlines will be forthcoming.

Delegates should be prepared to review the resolutions booklet online beginning Nov. 1; printed copies will be available at district meetings. Reviews should prioritize looking for possible amendments and potential omissions. Members will be encouraged to address either; procedures for doing so will be forthcoming.

“What we anticipate is something like what our old open-policy sessions used to look like,” said Deb Schmucker, director of MFB’s field operations division. “Delegates will need at least a smartphone or a tablet to vote.”

Staffers from MFB’s public policy and commodity division will attend each district meeting to help facilitate those conversations.

Even-numbered districts will also have to squeeze elections onto their agendas.

See below for a complete list of district meeting times, dates and locations.

~ ~ ~

Prior to all that, the Nov. 4 kickoff session will take place entirely online and therefore viewable by all members with high-speed internet. MFB President Carl Bednarski will launch the monthlong process with his annual address, which will include announcements of the 2020 Volunteer of the Year and Distinguished Service to Agriculture winners.

That agenda will also include reports from CEOs Scott Piggott and Don Simon, Treasurer David Baker, representatives of the rules and credentials committees, and approval of last year’s annual meeting minutes.

~ ~ ~

The Dec. 2 business and policy session will take place in person or virtually by district, based on COVID phase restrictions; they’re also listed below.

All 12 districts will join as satellites around a hub composed of MFB leadership and the state Policy Development committee to manage the proceedings:

  • Nomination and election of district, Young Farmer and P&E directors
  • Election of MFB President
  • Policy resolution discussion – reaffirmation style
  • Policy resolutions

~ ~ ~

Look for more details as they develop in Farm Gate and all your usual Farm Bureau communications channels.

~ ~ ~

District Meetings 

District 1

  • Nov. 9 — 6 p.m.; Essenhaus Inn and Conference Center, 240 US-20, Middlebury, IN; dinner included
  • Dec. 2 — 9 a.m. to 5 p.m.; same location; lunch included

District 2

  • Nov. 19 — 6:30 p.m.; Hillsdale College Dow Hotel and Conf. Center, 22 E. Galloway Dr, Hillsdale; dinner included
  • Dec. 2 — 9 a.m. to 5 p.m.; same location; lunch included

District 3

  • Nov. 11 — 6 p.m.; Crystal Gardens Banquet Center, 5768 E Grand River Ave, Howell; dinner included
  • Dec. 2 — 9 a.m. to 5 p.m.; same location; lunch included

District 4

  • Nov. 19 — 9 a.m. to 11:30 a.m.; Railside Golf Club, 2500 76th Street SW, Byron Center; lunch included
  • Dec. 2 — 9 a.m. to 5 p.m.; same location; lunch included

District 5

District 6

District 7

  • Nov. 11 — 6 p.m. to 8 p.m.; Reed City Fire Department, 523 Morse St, Reed City; dinner included
  • Dec. 2 — 9 a.m. to 5 p.m.; same location; lunch included

District 8

  • Nov. 12 — 6 p.m.; Jeremy and Kayla Enser Farm, 8290 Kochville Rd, Saginaw; dinner included
  • Dec. 2 — 9 a.m. to 5 p.m.; same location; lunch included

District 9

  • Nov. 11 — 6 p.m.; Evergreen Resort, 7880 Mackinaw Trail, Cadillac; dinner included
  • Dec. 2 — 9 a.m. to 5 p.m.; same location; lunch included

District 10

  • Nov. 9 — 9:30 a.m.; Arenac Community Center, 583 E Cedar Street, Standish; refreshments will be served
  • Dec. 2 — 9 a.m. to 5 p.m.; same location; lunch included

District 11

  • Nov. 10 — 6:30 p.m.; Courtyard Marriott, 1866 Mkwa Place, Petoskey; dinner included
  • Dec. 2 — 9 a.m. to 5 p.m.; same location; lunch included

District 12

  • Nov. 10 — 11 a.m. EST; Sweet Grass Convention Center, W 399 US 2 & 41, Harris; lunch included
  • Dec. 2 — 9 a.m. to 5 p.m. EST; same location; lunch included
The “hybrid-virtual” format of this year’s Michigan Farm Bureau Annual Meeting marks the event’s biggest makeover since it outgrew and left the Michigan State University campus in 1970. Wrinkles are still being ironed, but what’s coming slowly into f


Collegiate Farm Bureau continues to provide opportunities, both virtually and in person, for college students this fall. Registration is open for undergraduate students (age 18-35) interested in networking with peers and industry professionals, building career and leadership skills, and developing your voice as advocates for agriculture.

Thirteen chapters across the state organize and host events designed by chapter members for chapter members — everything from speed networking and public policy workshops to organizing Thanksgiving baskets for needy families and engaging youth in agricultural activities during community events and open houses.

Interested students should reach out to the Collegiate Farm Bureau advisor at their school (see list below). Returning members can click here to update their information and re-enroll for the 2020-21 school year. (Depending on your browser, you may need to hit refresh or type the direct link into the address bar https://collegiate.michfb.com.)

Students can learn more at the Collegiate Farm Bureau website and are encouraged to reach out to their advisor:

Does your student attend one of these colleges but isn’t enrolled in an ag-related major? That’s okay! There’s no requirement for any specific major to join. You just need a passion for agriculture, a willingness to experience a variety of activities, and the desire to network and connect with others!

For more information or questions, please contact an advisor or email Katie Eisenberger, MFB’s High School and Collegiate Programs Specialist.

Collegiate Farm Bureau continues to provide opportunities, both virtually and in person, for college students this fall. Registration is open for undergraduate students (age 18-35) interested in networking with peers and industry professionals, build

Coming Events

DateEvents
There are no records.