Medicare and Benefits Update 2014

Medicare and Benefits Medicare and Benefits UpdateUpdate

20142014Legal Aid of the BluegrassLegal Aid of the Bluegrass

SHIP PROGRAMSHIP PROGRAM

Medicare & Benefits Updates- 2014Medicare & Benefits Updates- 2014

ACAACA Medicare Part A & BMedicare Part A & B Medicare Part C & DMedicare Part C & D Money Saving BenefitsMoney Saving Benefits

THE ACATHE ACA

The ACA and Health Insurance The ACA and Health Insurance MarketplacesMarketplaces

ACA created marketplaces for uninsured ACA created marketplaces for uninsured individuals and insured individuals with high individuals and insured individuals with high premiums to purchase health insurancepremiums to purchase health insurance

Insurance sold under the marketplace offered Insurance sold under the marketplace offered by private companies by private companies

Kentucky’s marketplace is called kynect Kentucky’s marketplace is called kynect (kynect.ky.gov)(kynect.ky.gov)

Over 600,000 Kentuckians are uninsuredOver 600,000 Kentuckians are uninsured

The ACA and Health Insurance The ACA and Health Insurance MarketplacesMarketplaces

Insurance plans will be placed into categories based Insurance plans will be placed into categories based on level of coverageon level of coverage Bronze, silver, gold and platinumBronze, silver, gold and platinum

Individuals can compare the coverage and determine Individuals can compare the coverage and determine which type is best for themwhich type is best for them

Assistance in the way of tax credits and cost sharing Assistance in the way of tax credits and cost sharing reductions are available to people to reduce the cost reductions are available to people to reduce the cost of premiumsof premiums To determine approximate credit and premium amounts To determine approximate credit and premium amounts

visit, visit, http://http://kff.orgkff.org/interactive/subsidy-calculator//interactive/subsidy-calculator/

The ACA and MedicaidThe ACA and Medicaid

Governor Beshear Governor Beshear expanded Medicaid to expanded Medicaid to include anyone with include anyone with income of 138% fpl or income of 138% fpl or belowbelow

Over 300,000 Over 300,000 Kentuckians will be Kentuckians will be eligible for Medicaid eligible for Medicaid benefits under the benefits under the expansionexpansion

Family Size

Monthly Income

1 $1,321

2 $1,784

3 $2,247

4 $2,710

The ACA and health care The ACA and health care marketplacesmarketplaces

Enrollment begins October 1 and ends March Enrollment begins October 1 and ends March 31 for the first year31 for the first year October 15 to December 7 in 2014 and beyondOctober 15 to December 7 in 2014 and beyond

Coverage is effective January 1 if enrollment Coverage is effective January 1 if enrollment happens prior to December 15happens prior to December 15

People on Medicare are not allowed to People on Medicare are not allowed to participate in the marketplaceparticipate in the marketplace

Medicare Part A & Medicare Part A & Part BPart B

Outpatient Mental Health Outpatient Mental Health CareCare

After Part B deductibleAfter Part B deductible For visits to diagnose conditionFor visits to diagnose condition

Beneficiaries pay 20% of Medicare-approved Beneficiaries pay 20% of Medicare-approved amountamount

For outpatient treatment (such as For outpatient treatment (such as psychotherapy)psychotherapy)

In this YearIn this Year Beneficiaries PayBeneficiaries Pay

20132013 35%35%

20142014 20%20%

National Mail Order Program for National Mail Order Program for Diabetic Testing SuppliesDiabetic Testing Supplies

Effective July 1, 2013Effective July 1, 2013 Includes all parts of the United States Includes all parts of the United States

including US Territoriesincluding US Territories To find a supplier, visit To find a supplier, visit http://http://

www.medicare.gov/supplierdirectory/search.htwww.medicare.gov/supplierdirectory/search.htmlml

Outpatient vs InpatientOutpatient vs Inpatient

Must be formally admitted to be considered Must be formally admitted to be considered inpatient inpatient

Outpatient services includeOutpatient services include Emergency Room visitsEmergency Room visits Observation services at a hospital- including over Observation services at a hospital- including over

night stays at the hospitalnight stays at the hospital Outpatient surgeryOutpatient surgery Lab tests and X-raysLab tests and X-rays

Outpatient vs InpatientOutpatient vs Inpatient

Always ask for inpatient or outpatient status if Always ask for inpatient or outpatient status if in the hospital for more than a few hoursin the hospital for more than a few hours

Outpatient status will affect admission to a Outpatient status will affect admission to a skilled nursing facilityskilled nursing facility

Medicare Part C & DMedicare Part C & D

Standard Part D Standard Part D Benefit ParametersBenefit Parameters

Benefit ParametersBenefit Parameters 20132013 20142014

DeductibleDeductible $325$325 $310$310

Initial Coverage LimitInitial Coverage Limit $2970$2970 $2850$2850

Out-of-Pocket ThresholdOut-of-Pocket Threshold $4750$4750 $3605$3605

Total Covered Drug Spending at OOP Total Covered Drug Spending at OOP ThresholdThreshold

$6954.52$6954.52 $6455$6455

Minimum Cost Sharing in Catastrophic Minimum Cost Sharing in Catastrophic CoverageCoverage

$2.65/$6.60$2.65/$6.60 $2.55/$6.35$2.55/$6.35

Extra Help CopaymentsExtra Help Copayments 20132013 20142014

InstitutionalizedInstitutionalized $0$0 $0$0

Receiving Home & Community Based Ser.Receiving Home & Community Based Ser. $0$0 $0$0

Up to or at 100% FPLUp to or at 100% FPL $1.15/$3.50$1.15/$3.50 $1.20/$3.60$1.20/$3.60

Full Extra HelpFull Extra Help $2.65/$6.60$2.65/$6.60 $2.55/$6.35$2.55/$6.35

Partial Extra Help (deductible/cost-sharing)Partial Extra Help (deductible/cost-sharing) $66/15%$66/15% $63/15%$63/15%

Part D Coverage Gap Part D Coverage Gap Discount ProgramDiscount Program

If beneficiaries reach the coverage gap in 2014If beneficiaries reach the coverage gap in 2014 52.5% discount on covered brand-name drugs52.5% discount on covered brand-name drugs

50% paid by drug manufacturer will still apply to getting out 50% paid by drug manufacturer will still apply to getting out of the donut holeof the donut hole

2.5% paid by Part D plan will not count toward TrOOP2.5% paid by Part D plan will not count toward TrOOP

28% discount on covered generic drugs28% discount on covered generic drugs Dispensing fees are not subject to the 52.5% discountDispensing fees are not subject to the 52.5% discount

Additional savings in coverage gap each year Additional savings in coverage gap each year Until 2020Until 2020

Improved Coverage in the Coverage GapImproved Coverage in the Coverage Gap

YearYear

What Beneficiaries Pay for What Beneficiaries Pay for Brand Name Drugs in the Brand Name Drugs in the

Coverage GapCoverage Gap

What Beneficiaries Pay for What Beneficiaries Pay for Generic Drugs in the Coverage Generic Drugs in the Coverage

GapGap

20132013 47.5%47.5% 79%79%

20142014 47.5%47.5% 72%72%

20152015 45%45% 65%65%

20162016 45%45% 58%58%

20172017 40%40% 51%51%

20182018 35%35% 44%44%

20192019 30%30% 37%37%

20202020 25%25% 25%25%

Landscape of Plans Landscape of Plans 100% of people with Medicare have access to a Medicare Advantage plan100% of people with Medicare have access to a Medicare Advantage plan

100% of people with Part D have access to a plan with lower premium than 100% of people with Part D have access to a plan with lower premium than what they paid in 2013what they paid in 2013

38% of people with Medicare Part D get Extra Help (also called the low-38% of people with Medicare Part D get Extra Help (also called the low-income subsidy, or LIS)income subsidy, or LIS)

$12.60 is the lowest monthly premium for a prescription drug plan$12.60 is the lowest monthly premium for a prescription drug plan

13 PDPs have a premium of $0 for people who qualify for Extra Help13 PDPs have a premium of $0 for people who qualify for Extra Help

340,165 people in Kentucky with Original Medicare took advantage of at 340,165 people in Kentucky with Original Medicare took advantage of at least one free preventive service through August 2013least one free preventive service through August 2013

People with Medicare in Kentucky have saved $141,019,279 on People with Medicare in Kentucky have saved $141,019,279 on prescription drugs in the Medicare Part D donut hole as a result of the prescription drugs in the Medicare Part D donut hole as a result of the Affordable Care Act.Affordable Care Act.

Landscape of Plans (PDP)Landscape of Plans (PDP) New PlansNew Plans

Transamerica MedicareRxTransamerica MedicareRx ChoiceChoice ClassicClassic

SymphonixSymphonix Rite Aid Value RxRite Aid Value Rx Value RxValue Rx

Humana Walmart RxHumana Walmart Rx Cigna Secure-XtraCigna Secure-Xtra

Plans That Are LeavingPlans That Are Leaving EnvisionRxPlus GoldEnvisionRxPlus Gold Humana Complete Humana Complete

Name ChangesName Changes 2013 Humana Walmart-Preferred Rx plan will be called Humana Preferred Rx Plan2013 Humana Walmart-Preferred Rx plan will be called Humana Preferred Rx Plan Cigna Plan One now Cigna Secure Cigna Plan One now Cigna Secure Cigna Plan Two now Cigna Secure-MaxCigna Plan Two now Cigna Secure-Max Cigna has purchased HealthSpring and will rename the HealthSpring plan to Cigna-Cigna has purchased HealthSpring and will rename the HealthSpring plan to Cigna-

HealthSpring RxHealthSpring Rx Reader’s Digest plan will change to HealthMarkets Value RxReader’s Digest plan will change to HealthMarkets Value Rx

SmartD Rx (purchased by Express Scripts) and SilverScript are still under CMS SmartD Rx (purchased by Express Scripts) and SilverScript are still under CMS sanction and were not included in Medicare Part D landscape datasanction and were not included in Medicare Part D landscape data

Landscape of Plans (PDP), cont’dLandscape of Plans (PDP), cont’d

StatisticStatistic 20142014 Change from 2013 to Change from 2013 to 20142014

Total Number of Part D Total Number of Part D Drug Plans Drug Plans

3030 -2-2

# of Enhanced Plans # of Enhanced Plans 1515 -2-2

# of Basic Plans# of Basic Plans 1515 00

# of $0 Deductible Plans# of $0 Deductible Plans 1414 -1-1

Lowest Cost PDP PlanLowest Cost PDP Plan $12.60*$12.60* -$2.40-$2.40

Lowest Premium for $0 Lowest Premium for $0 Deductible PlanDeductible Plan

$20.90**$20.90** -$8.20-$8.20

Number of LIS $0 Number of LIS $0 Premium PlansPremium Plans

1313 22

*Lowest Premium PDP for 2014: Humana Walmart Rx Plan**Lowest Premium $0 Deductible PDP for 2014: WellCare Classic

Premium Changes for Persons Premium Changes for Persons Staying in their Current PDPStaying in their Current PDP

StatisticStatistic 20142014 Change from Change from 2013 to 20142013 to 2014

Number of Plans with Number of Plans with Premium Premium DecreaseDecrease

1010 00

Number of Plans with Number of Plans with No Premium No Premium ChangeChange

00 00

Number of Plans with Number of Plans with Premium Premium IncreaseIncrease

1414 -7-7

% of People with % of People with Premium IncreasePremium Increase 73%73% -9%-9%

Weighted Average Increase for People Weighted Average Increase for People with a Premium Increasewith a Premium Increase

$5.26$5.26 $1.55$1.55

Landscape of Plans (MA)Landscape of Plans (MA)

New PlansNew Plans Anthem Senior Advantage Complete HMOAnthem Senior Advantage Complete HMO HumanaChoice H6609-(078-081)HumanaChoice H6609-(078-081)

Plans That Are LeavingPlans That Are Leaving Anthem Medicare Preferred Select PPOAnthem Medicare Preferred Select PPO 2013 non-regional HumanaChoice plans2013 non-regional HumanaChoice plans Today’s Options plansToday’s Options plans

Landscape of Plans (SNP)Landscape of Plans (SNP)

Minimal changesMinimal changes WellCare Access HMO-SNP for dual eligible WellCare Access HMO-SNP for dual eligible

individuals has expanded its covered countiesindividuals has expanded its covered counties

2013 Calendar Highlights2013 Calendar Highlights

Late September- CMS mails the Medicare & You Late September- CMS mails the Medicare & You handbookhandbook

September 30- Plans must provide Annual Notice of September 30- Plans must provide Annual Notice of Change/Evidence of Coverage to membersChange/Evidence of Coverage to members

October 1- Plans begin marketingOctober 1- Plans begin marketing October 1- 2014 plan data to be displayed on the October 1- 2014 plan data to be displayed on the

Medicare Plan FinderMedicare Plan Finder Mid-October- plan ratings updated on MPFMid-October- plan ratings updated on MPF October 15-Open Enrollment beingsOctober 15-Open Enrollment beings December 7- Open Enrollment endsDecember 7- Open Enrollment ends January 1- 2014 plan benefit period beginsJanuary 1- 2014 plan benefit period begins

Low-Performing Medicare Low-Performing Medicare Advantage and Drug PlansAdvantage and Drug Plans

Plans that receive average Part C or D Plans that receive average Part C or D summary rating of less than 3-stars for 3 years summary rating of less than 3-stars for 3 years in a rowin a row Indicates organization’s substantial failure to Indicates organization’s substantial failure to

comply with its Medicare contractcomply with its Medicare contract Ratings are on Medicare Plan Finder ToolRatings are on Medicare Plan Finder Tool Medicare & You does not have full, updated Medicare & You does not have full, updated

ratingsratings

Low-Performing Medicare Low-Performing Medicare Advantage PlansAdvantage Plans

Changes for low-performing plans in 2013Changes for low-performing plans in 2013 No online enrollment for low-performing plans No online enrollment for low-performing plans

Must contact plan directly to enrollMust contact plan directly to enroll

Enrolled beneficiaries may use Special Enrollment Enrolled beneficiaries may use Special Enrollment Period to move to a higher quality planPeriod to move to a higher quality plan

Will receive mailing from CMSWill receive mailing from CMS

CMS has option to terminate low-performing CMS has option to terminate low-performing contracts starting in 2015contracts starting in 2015

High Performing Medicare High Performing Medicare Drug PlansDrug Plans

5 Star Special Enrollment Period5 Star Special Enrollment Period Plans rated 5 Stars are indicated with a yellow Plans rated 5 Stars are indicated with a yellow

triangle with a star and the number 5 located in triangle with a star and the number 5 located in the centerthe center

SEP begins December 8 each yearSEP begins December 8 each year Beneficiaries can enroll into a 5 Star rated plan Beneficiaries can enroll into a 5 Star rated plan

up until Nov. 30 of the following yearup until Nov. 30 of the following year Only allowed one enrollment during the SEPOnly allowed one enrollment during the SEP SEP is extended to individuals currently enrolled SEP is extended to individuals currently enrolled

into a 5 Star planinto a 5 Star plan

Marketing Guidelines During Marketing Guidelines During Medicare Open EnrollmentMedicare Open Enrollment

Plans must disclose plan information, Plans must disclose plan information, including changes at least twice a yearincluding changes at least twice a year At time of enrollmentAt time of enrollment Annual Notice of ChangeAnnual Notice of Change


Plans can Plans can Offer gifts costing no more than $15 to potential Offer gifts costing no more than $15 to potential

enrollees (could include light snack)enrollees (could include light snack) Call existing members regarding enrollment into a Call existing members regarding enrollment into a

planplan Call beneficiaries that requested a phone callCall beneficiaries that requested a phone call Schedule in home appointments with beneficiaries Schedule in home appointments with beneficiaries

during a sales eventduring a sales event Sell non-health related products if the beneficiary Sell non-health related products if the beneficiary

contacts the plan and requests that informationcontacts the plan and requests that information


Plans CANNOTPlans CANNOT Conduct door-to-door solicitationConduct door-to-door solicitation Make outbound marketing calls (cold calling)Make outbound marketing calls (cold calling) Call beneficiaries to confirm receipt of mailed Call beneficiaries to confirm receipt of mailed

informationinformation Approach beneficiaries in common areas (parking Approach beneficiaries in common areas (parking

lots, hallways, lobbies, sidewalks, etc.)lots, hallways, lobbies, sidewalks, etc.) Call or visit beneficiaries that attended sales events Call or visit beneficiaries that attended sales events

unless express permission is given by the unless express permission is given by the beneficiarybeneficiary


Plans CANNOTPlans CANNOT Cross sell other non-health related insurance Cross sell other non-health related insurance

products during a MA or Part D sales products during a MA or Part D sales activity/presentation (annuities, life insurance, etc.)activity/presentation (annuities, life insurance, etc.)

Notices from CMS and SSANotices from CMS and SSA SeptemberSeptember

Social Security Notice to Review Eligibility for LISSocial Security Notice to Review Eligibility for LIS Plan Annual Notice of Change/Evidence of Plan Annual Notice of Change/Evidence of

CoverageCoverage Plan LIS Rider-from plan telling how much they get Plan LIS Rider-from plan telling how much they get

in 2014 towards Part D premium, deductibles and in 2014 towards Part D premium, deductibles and co-paymentsco-payments

Creditable Coverage letters from Employer/Union Creditable Coverage letters from Employer/Union plansplans

Loss of Deemed Status Notice-from SSA stating Loss of Deemed Status Notice-from SSA stating they are no longer eligible for LISthey are no longer eligible for LIS

Medicare & You handbooksMedicare & You handbooks

Notices from CMS and SSANotices from CMS and SSA OctoberOctober

Plan Non-Renewal NoticesPlan Non-Renewal Notices Change in Extra Help Co-Payment Notice- from Change in Extra Help Co-Payment Notice- from

SSA on orange paper explaining copayments levels SSA on orange paper explaining copayments levels will change in 2014will change in 2014

Reassignment Notices-Plan Termination-on blue Reassignment Notices-Plan Termination-on blue paper explaining that plan is terminating and they paper explaining that plan is terminating and they will be reassigned to a new planwill be reassigned to a new plan

Reassignment Notice-Premium Increase-on blue Reassignment Notice-Premium Increase-on blue paper explaining that will be re-assigned to a new paper explaining that will be re-assigned to a new plan due to the increase in their current plan plan due to the increase in their current plan premium which is above the benchmarkpremium which is above the benchmark

Notices from CMS and SSANotices from CMS and SSA

OctoberOctober MA Reassignment Notice-on blue paper explaining MA Reassignment Notice-on blue paper explaining

that the MA plan is terminating and they will be re-that the MA plan is terminating and they will be re-assigned to a Medicare drug plan for 2014assigned to a Medicare drug plan for 2014

NovemberNovember LIS Choosers Notice-on tan paper explaining if they LIS Choosers Notice-on tan paper explaining if they

chose a Plan on their own that the plan’s premium chose a Plan on their own that the plan’s premium has increased above the benchmark and they will has increased above the benchmark and they will pay a portion of the premiumpay a portion of the premium


NovemberNovember Non-Renewal Reminder Notice- reminds people who Non-Renewal Reminder Notice- reminds people who

do not get LIS that the plan is terminatingdo not get LIS that the plan is terminating Social Security Income Related Adjustment Amount Social Security Income Related Adjustment Amount

Notice- tell higher income beneficiaries about the Notice- tell higher income beneficiaries about the higher Part B and Part D premium adjustmentshigher Part B and Part D premium adjustments

Social Security LIS Redetermination Decision Social Security LIS Redetermination Decision Notice-informing beneficiaries of their LIS award for Notice-informing beneficiaries of their LIS award for 20142014

Social Security LIS and MSP Outreach Notice-Social Security LIS and MSP Outreach Notice-informs individuals of these two benefitsinforms individuals of these two benefits


DecemberDecember Social Security Benefit Rate Change Notice- tells people about benefit Social Security Benefit Rate Change Notice- tells people about benefit

payment changes due to cost of living increases, premium withholdings, payment changes due to cost of living increases, premium withholdings, etc.etc.

Reassign Formulary Notice- on blue paper informing individuals who get Reassign Formulary Notice- on blue paper informing individuals who get LIS and were affected by reassignment which of the Part D drugs they LIS and were affected by reassignment which of the Part D drugs they took in 2013 will be covered in their new 2014 Medicare plantook in 2013 will be covered in their new 2014 Medicare plan

JanuaryJanuary CMS Non-Renewal Action Notice- reminds people who do not get LIS CMS Non-Renewal Action Notice- reminds people who do not get LIS

and whose plan terminated to join a new drug planand whose plan terminated to join a new drug plan

FebruaryFebruary Consistent Poor Performer Notice- Informs people that they’re enrolled in Consistent Poor Performer Notice- Informs people that they’re enrolled in

a plan that has been identified as a consistent poor performer and a plan that has been identified as a consistent poor performer and encourages them to explore other plan options in their areaencourages them to explore other plan options in their area

Changes to Plan Finder ToolChanges to Plan Finder Tool

Session timeout redirects to Medicare.govSession timeout redirects to Medicare.gov Estimated annual costs rounded to nearest $10 instead Estimated annual costs rounded to nearest $10 instead

of $50of $50 30, 60, 90 day supply info on drug benefit summary 30, 60, 90 day supply info on drug benefit summary

pop-uppop-up Medication Therapy Management tab instead of linkMedication Therapy Management tab instead of link Show estimated full cost the plan charges MedicareShow estimated full cost the plan charges Medicare January 2014 – Will show costs for the rest of the January 2014 – Will show costs for the rest of the

year ONLYyear ONLY

Money Saving BenefitsMoney Saving Benefits

Extra Help With Drug CostsExtra Help With Drug Costs

Sometimes called Low Income Subsidy (LIS)Sometimes called Low Income Subsidy (LIS) People with lowest income and resourcesPeople with lowest income and resources

Pay no premiums or deductiblesPay no premiums or deductibles Have small or no copaymentsHave small or no copayments

Those with slightly higher income and resourcesThose with slightly higher income and resources Have a reduced deductibleHave a reduced deductible Pay a little more out of pocketPay a little more out of pocket

No coverage gap for people who qualify for LISNo coverage gap for people who qualify for LIS

Extra Help in 2013Extra Help in 2013

Group 1Group 1 Group 2Group 2 Group 3Group 3

PremiumPremium $0$0 $0$0 Sliding scale Sliding scale based on based on incomeincome

Deductible Deductible $325/year$325/year

$0$0 $0$0 $65$65

Coinsurance up Coinsurance up to $4,750 out to $4,750 out

of pocketof pocket

$1.15/$3.50 $1.15/$3.50 copaycopay

$2.65/$6.60 $2.65/$6.60 copaycopay

Up to 15% Up to 15% coinsurancecoinsurance

Catastrophic Catastrophic coveragecoverage

$0$0 $0$0 $2.65/$6.60 $2.65/$6.60 copaycopay

Medicare Savings ProgramsMedicare Savings Programs

Help from Medicaid to pay Medicare Help from Medicaid to pay Medicare premiumspremiums For people with limited income and resourcesFor people with limited income and resources May also pay Medicare deductibles and May also pay Medicare deductibles and

coinsurancecoinsurance Programs includePrograms include

Qualified Medicare Beneficiary (QMB)Qualified Medicare Beneficiary (QMB) Specified Low-income Medicare Beneficiary (SLMB)Specified Low-income Medicare Beneficiary (SLMB) Qualifying Individual (QI)Qualifying Individual (QI)

Medicare Savings ProgramsMedicare Savings Programs

Provides payment for Part A and Part B Provides payment for Part A and Part B premiums and deductibles and co-insurancepremiums and deductibles and co-insurance QMBQMB SLMBSLMB QIQI

Eligibility for QMBEligibility for QMB Provides assistance with Part B premium and Provides assistance with Part B premium and

offers additional insuranceoffers additional insurance Income not exceeding 100% FPLIncome not exceeding 100% FPL

$978 individual$978 individual $1313 couple$1313 couple

ResourcesResources $7,080 for an individual$7,080 for an individual $10,620 for married couple$10,620 for married couple

Eligibility for SLMBEligibility for SLMB

Benefit is limited to payment of Part B Benefit is limited to payment of Part B premiums onlypremiums only

Income not higher than 120% FPLIncome not higher than 120% FPL $1169 individual$1169 individual $1571 couple$1571 couple


Eligibility for QIEligibility for QI Benefit limited payment of Part B premiumsBenefit limited payment of Part B premiums Cannot be otherwise eligible for MedicaidCannot be otherwise eligible for Medicaid Income not higher than 135% FPLIncome not higher than 135% FPL

$1313 Individual$1313 Individual $1765 couple$1765 couple


SNAP BenefitsSNAP Benefits

Supplemental Nutrition Assistance Program Supplemental Nutrition Assistance Program (SNAP)(SNAP) Federally funded program to assist with Federally funded program to assist with

purchasing food purchasing food Must have resources (assets) below $3250 if age Must have resources (assets) below $3250 if age

65 or older or disabled (some exclusions including 65 or older or disabled (some exclusions including the home and its contents, personal property and the home and its contents, personal property and vehicles)vehicles)

Income requirements based on household size Income requirements based on household size Deductions to income such as medical expenses Deductions to income such as medical expenses

are allowedare allowed

SNAP- Income GuidelinesSNAP- Income Guidelines

Household SizeHousehold Size Gross Income for Elder or Gross Income for Elder or Disabled PersonDisabled Person

11 $1498$1498

22 $2023$2023

33 $2548$2548

44 $3074$3074

55 $3599$3599

Documents

Medicare and Benefits Update 2014