A quarter of a million Medicare beneficiaries may be receiving bills for as many as five months of premiums they thought they had already paid.

But they shouldn’t toss the letter in the garbage. It’s not a scam or a mistake.

Because of what the Social Security Administration calls “a processing error” in January, it did not deduct premiums from some seniors’ Social Security checks and it didn’t pay the insurance plans, according to the agency’s “frequently asked questions” page on its website.

The problem applies to private drug policies and Medicare Advantage plans that provide both medical and drug coverage and that substitute for traditional government-run Medicare.

Some people will discover they must find the money to pay the plans. Others may find their plans canceled. Medicare officials say approximately 250,000 people are affected.

Medicare and Social Security say they expect that proper deductions and payments to insurers will resume this month or next. Insurers are required to send bills directly to their members for the unpaid premiums, according to Medicare.

But neither agency would explain how the error occurred or provide a more exact number or the names of the plans that were shortchanged. The amount the plans are owed also wasn’t disclosed. A notice to beneficiaries on Medicare’s website lacks key details.

Rep. Richard Neal, D-Mass., who chairs the Ways and Means Committee, and two colleagues wrote to both agencies about the problem on May 22 but have not received a response from Medicare. Social Security’s response referred most questions to Medicare officials.

Organizations that help seniors say they are getting some questions from Medicare beneficiaries.

Two seniors in Louisiana lost drug coverage after their policies were canceled due to the SSA error, says Vicki Dufrene, director of the state’s Senior Health Insurance Information Program. One woman had the same drug plan since 2013, which dropped her at the end of April. She was without coverage for the entire month of May until earlier this week, when Dufrene was able to get her retroactively re-enrolled.

Dufrene says some people might not notice that their checks did not include a deduction for their Medicare Advantage or drug plan premiums. If their check was a little more than expected, they could have assumed that extra amount was the expected cost-of-living increase, among other things.

In Ohio, a Medicare Advantage plan reinstated a member due to unpaid premiums less than 48 hours after the state’s health insurance information program for seniors got involved, says director Christina Reeg.

Medicare beneficiaries have had the option of paying their premiums through a deduction from their Social Security checks for more than a decade, she says. However, they can also charge payments directly to a credit card or checking account instead of relying on Social Security.

Humana spokesman Mark Mathis says about 33,000 members were affected — or fewer than 1% of its total Medicare membership. None of those members lost coverage. The company blamed Medicare’s nearly 15-year-old IT systems for the failure and urged the agency to invest in new equipment.

A UnitedHealthcare representative says none of its 32,000 Medicare Advantage or Part D members affected by the SSA problem lost coverage. The company has the highest Medicare enrollment in the U.S.

Aetna has not received payments for Medicare Advantage and drug plans for the months of February through May for 43,000 affected members, says spokesman Ethan Slavin. Customers will receive bills for the unpaid premiums and can set up payment plans if they can’t pay the entire amount.

These and other affected insurers must allow their members at least two months from the billing date to pay. And they must offer a payment plan for those who can’t pay several months of premiums at once, Medicare says. With both steps, “plans can avoid invoking their policy of disenrollment for failure to pay premiums while the member is adhering to the payment plan,” Jennifer Shapiro, the acting director for the Medicare Plan Payment Group, warned the companies in a May 22 memo.

Lindsey Copeland, federal policy director for the Medicare Rights Center, an advocacy group, says she is concerned that older adults will view the bill with suspicion.

“If you think your premiums are being paid automatically and then your plan tells you six months later that wasn’t the case, you may be confused,” she says.

Kaiser Health News is a nonprofit news service covering health issues. It is an editorially independent program of the Kaiser Family Foundation that is not affiliated with Kaiser Permanente.

Contact Susan Jaffe at Jaffe.KHN@gmail.com or @susanjaffe

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NPR’s Ari Shapiro talks with Alison Dreith, the director of Hope Clinic in Granite City, Ill., about how the uncertainty of Missouri’s last abortion clinic is affecting her patients and staff.

Let’s block ads! (Why?)

This year has brought an unprecedented wave of new state laws that only allow abortions to be performed early in pregnancy — if at all.

Most of the new laws — known as early abortion bans — explicitly outlaw abortion when performed after a certain point early in the pregnancy. The laws vary, with some forbidding abortion after six weeks of pregnancy, and some after eight weeks. Alabama’s law is the most extreme: It aims to outlaw abortion at any point, except if the woman’s health is at serious risk. So far in 2019, nine U.S. states have passed laws of this type, and more states are considering similar legislation.

Don’t see the graphic above? Click here.

None of the laws passed this year are actually in effect, either because they have a future enactment date or because judges have put them on hold in response to lawsuits, or both.

These new bans are a direct challenge to the precedent set by the 1973 Supreme Court ruling Roe v. Wade, which affirmed that a woman has a right to seek an abortion up until the point that the fetus could be “viable” outside of the uterus. Viability must be determined on an individual basis but is generally between 24 and 28 weeks of pregnancy.

“We want to stop abortion of unborn children. And the only way we can do that is to go back and revisit the Roe decision,” Eric Johnston, the president of the Alabama Pro-Life Coalition, told NPR’s Ari Shapiro. Johnston helped write the Alabama law that outlaws almost all abortions.

“This law is, in effect, a vehicle to do that,” he added.

A few states already have existing laws that outlaw abortion earlier in pregnancy than the standard sent by Roe, banning the procedure as early as 18 or 20 weeks. When challenged, bans on abortion at this stage of pregnancy have consistently been struck down in court, according to the Guttmacher Institute. But not all of those laws have been challenged in court, so they remain on the books. There is no state law currently in effect that bans abortion before 20 weeks.

Two states, New York and Vermont, have moved in the other direction. Both states passed laws this year that affirm the legal right to an abortion in each state, even if the Supreme Court overturns Roe v. Wade.

These early abortion bans differ from another common type of state regulation known as a TRAP law — for Targeted Regulation of Abortion Providers. TRAP laws place particular restrictions on the doctors or health clinics that provide abortions, and the Supreme Court has allowed some of these laws to go into effect, while striking down others.

Don’t see the graphic above? Click here.

Here’s some details on the newest bans, by state.

*Important note: Supporters of reproductive rights have filed multiple lawsuits against this type of law. None of these early abortion bans are currently in effect or are being enforced.

Alabama – No abortion after 0 weeks. Allows exceptions if the woman’s life is threatened. No exceptions for rape or incest.

Arkansas — No abortion after 18 weeks. Allows exceptions for rape, incest or medical emergencies.

Georgia – No abortion after 6 weeks. Allows exceptions if the woman’s life is endangered, if the pregnancy is deemed “medically futile” and in cases of rape or incest if the woman files a police report.

Kentucky – No abortion after 6 weeks. No exceptions for rape or incest. Allows exceptions if the woman’s life is endangered.

Louisiana – No abortion after 6 weeks. No exceptions for rape or incest. Allows exceptions if the woman’s life is endangered or if the pregnancy is deemed “medically futile.”

Mississippi – No abortion after 6 weeks. No exceptions for rape or incest. Allows exceptions if the woman’s life is endangered.

Missouri – No abortion after 8 weeks. No exceptions for rape or incest. Allows exceptions if the woman’s life is endangered.

Ohio – No abortion after 6 weeks. No exceptions for rape or incest. Allows exceptions if the woman’s life is endangered.

Utah – No abortion after 18 weeks. No exceptions for rape or incest. Allows exceptions if the woman’s life is endangered.

NPR’s Carrie Feibel, Sarah McCammon and Carmel Wroth contributed to this report.

Let’s block ads! (Why?)

NPR’s Ari Shapiro talks to Robert Wilkie, secretary of the Department of Veterans Affairs, about a new program that launches June 6 that would allow more veterans to seek private health care.

Let’s block ads! (Why?)