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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
        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

Michigan Farm Bureau

Even as a global pandemic has brought much of our everyday lives to a screeching halt, we know farmers are still putting one step in front of the other (and we thank you!) As you are out and about on the farm this spring, remember your Farm Bureau organization is here for you.

Michigan Farm Bureau’s grassroots policy has guided your organization for 100 years and this year is no exception. And as in each of those 100 previous years, we need farmer members like YOU to engage in our policy development process.

Is there a policy idea you’ve thought of? Submit it here. Curious about what existing Farm Bureau policies say? Find the state and national policy books here.

And when we’re all done social distancing, look for an invitation to a local meeting with your neighbors and peers to identify which issues in your part of the state need addressing in the form of Farm Bureau policy.

To help jump start that process, check out the issue briefs on MFB’s website. We'll be adding to this page throughout the season, so make sure to check back.

Thank you for your involvement in Farm Bureau and in keeping our policy book relevant so we can continue our role as the most credible voice of Michigan agriculture. Our policy book is built by putting one foot in front of the other, and it starts with members like you taking this first step!

Even as a global pandemic has brought much of our everyday lives to a screeching halt, we know farmers are still putting one step in front of the other (and we thank you!) As you are out and about on the farm this spring, remember your Farm Bureau or
Michigan Farm Bureau

If that global pandemic has sidelined your usual ag-education efforts, here’s a healthy dose of resources for Promotion & Education volunteers itching to stay engaged in farm-friendly outreach.

With most local ag-education outreach activities curtailed until further notice, county Farm Bureau Promotion & Education leaders are encouraged to push their creative envelopes outside the box. Here are a number of practical considerations compiled by your state staff for county Farm Bureau P&E programs to consider.

Follow your school districts’ lead in maintaining your relationships and updating plans with local schools. Their priorities and schedules once classes resume may differ substantially from the norm. School staff and administrators may be slow to respond and uneasy about making plans — even for the 2020-21 school year.

Consider creative ways to engage the schools/teachers to maintain those relationships and stay on their radar when it’s time to plan future events. If you already have supplies ready for Project RED teacher bags, consider donating them once school resumes, with a save-the-date for next year’s event. Or consider handing them out during Teacher Appreciation Week, May 4-8. 

If you had plans to read a book during National Agriculture Week, consider donating the books and lesson plans to the school or public libraries.

Video ideas

Create brief videos describing specific tasks, animals, implements or projects on your farm (like this one). Share them via social media or directly with teachers for use in classrooms when school resumes. Video tips:

  • Wear your “I am agriculture” shirt or a similar alternative.
  • Your recording location should well-lit (outside), have an interesting background and be free of wind and other background noise.
  • Use simple, everyday words — no ag-industry jargon!
  • Set up your phone/camera/tablet in a landscape (horizontal) orientation, and get close enough to fill the frame with you and the other subject matter (animals, equipment) you’re discussing.

NOTE: Book-reading videos have become popular as a means of virtual learning, but posting them publicly violates copyright laws. Live reading videos (no history saved) or videos posted to private groups (like a classroom Facebook group) are sometimes allowable, but not recommended.

Resources for future activities

For more tips, information and practical resources, don’t hesitate to contact your MFB regional representative, state P&E committee members, or MFB staffers Tonia Ritter and Amelia Miller.

e-Learning with Ag in the Classroom

As teachers prepare to teach virtually over the next couple of months, MFB staff will be sharing standards-based materials to assist in this e-learning.

Follow the Michigan Agriculture in the Classroom Facebook page for up-to-date online lessons, videos and activities for students in grades K-12.

Lessons will connect agricultural concepts to plant and animal life cycles, nutrition, careers and more!

If that global pandemic has sidelined your usual ag-education efforts, here’s a healthy dose of resources for Promotion & Education volunteers itching to stay engaged in farm-friendly outreach.
Katie Eisenberger

Nine FFA chapters were honored at the Michigan FFA Convention for working ag-literacy efforts in their communities 

The Michigan Foundation for Agriculture’s #SpeakAgMichigan award honored nine FFA chapters with a total of $5,000 during the Michigan FFA Convention, March 4 at Michigan State University. Recognized chapters are working to help their community become more agriculturally literate, giving them a basic understanding of raising plants and animals for food, fuel and fiber.

Gold Chapters IthacaMontague and North Huron each received $800.

Receiving $500 as silver chapters were CaledoniaRavennaSt. Louis and Springport.

Bronze chapters receiving $300 were Breckenridge and Webberville.

Collectively, award recipients taught agriculture-based lessons to more than 6,000 students in their local school districts. These high school FFA members set goals, communicated with elementary teachers, planned and delivered grade-appropriate lessons or educational stations to show the many ways agriculture products are present in daily life. In addition, these award recipients organized agriculture and natural resources educational programming for more than 5,000 adults. Many partnered with their county Farm Bureaus to enhance programming for both organizations.

The Michigan Foundation for Agriculture’s mission is to communicate agriculture’s message to consumers and students through educational programming and to provide leadership development for agriculturalists of today and tomorrow. This award does just that. Inspired by National FFA’s similar initiative, the #SpeakAgMichigan award is more than just a social media trend, it can be a language used to close the gap between agriculture and consumers.

“The #SpeakAgMichigan Awards supports two of Michigan Farm Bureau’s top priorities: leadership development and consumer outreach. We are encouraged by, and are proud to recognize, the efforts of young agriculture leaders to bridge the communication gap between farmers and our consumers,” said Alex Schnabelrauch, director of the Michigan Foundation for Agriculture. “These FFA students are making a real difference in their schools and communities, and we look forward to connecting them with leadership and outreach opportunities long after graduation.”

Chapters receiving #SpeakAgMichigan award received a monetary contribution to further their agricultural literacy outreach efforts. Individual chapter efforts will be highlighted through out the fall of 2020 when the online application opens Sept. 1. Applications are due Dec. 1.

The Michigan Foundation for Agriculture, a 501(c)(3) governed by Michigan Farm Bureau’s Board of Directors, positively contributes to the future of Michigan agriculture through leadership and educational programming. The Michigan FFA Association is dedicated to making a positive difference in the lives of young people by developing their potential for premier leadership, personal growth and career success through agricultural education.

For more information, contact MFB Education High School & Collegiate Programs Specialist Katie Eisenberger at 517-679-5444.

The Michigan Foundation for Agriculture’s #SpeakAgMichigan award honored nine FFA chapters with a total of $5,000 during the Michigan FFA Convention, March 4 at Michigan State University.

Coming Events

Bay County Farm Bureau Annual Meeting
Dock Location
Bay City, MI
Come aboard the Princess Wenonah where we will have a great dinner, discuss policy, and have a great time meeting with other members.  The cost is $5 a person.  Members MUST RSVP to Lisa at 989-684-2772 (If no answer, leaving a message or texting is fine as well) You can also email Lisa at [email protected]