{"id":4074,"date":"2021-11-15T14:31:11","date_gmt":"2021-11-15T19:31:11","guid":{"rendered":"https:\/\/yourcarerep.com\/YCR-BU\/?p=4074"},"modified":"2021-11-18T17:23:44","modified_gmt":"2021-11-18T22:23:44","slug":"4-medicare-changes-for-2022-that-erase-your-5-9-cola-increase-and-4-ways-to-overcome-them","status":"publish","type":"post","link":"https:\/\/yourcarerep.com\/YCR-BU\/4-medicare-changes-for-2022-that-erase-your-5-9-cola-increase-and-4-ways-to-overcome-them\/","title":{"rendered":"4 Medicare Changes for 2022 That Erase Your 5.9% COLA Increase and 4 Ways to Overcome Them"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"4074\" class=\"elementor elementor-4074\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a2aafee elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a2aafee\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-302934b\" data-id=\"302934b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3eac4d5 elementor-widget elementor-widget-text-editor\" data-id=\"3eac4d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>4 Medicare Changes for 2022 That Erase Your 5.9% Social Security Increase and 4 Ways to Overcome Them<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-756bf69 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"756bf69\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8e08781\" data-id=\"8e08781\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3f840b3 elementor-widget elementor-widget-image\" data-id=\"3f840b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/elementor\/thumbs\/Medicare-increases-for-2022-pmjp3ujvn96fxzvko2y3ycfqwfgidx0q4xdxjzmpts.jpg\" title=\"Medicare-increases-for-2022\" alt=\"Medicare increases for 2022\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0f8fd3 elementor-widget elementor-widget-text-editor\" data-id=\"f0f8fd3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The speculating is over! We now know what Medicare increases will affect our healthcare cost for 2022, and it\u2019s not pretty. Here are 4 major Medicare changes for 2022 that erase your 5.9% COLA increase (cost of living allowance) and then some, and how to overcome them.<\/p><h2>First, the COLA Increase for 2022<\/h2><p>It was being touted as the most generous COLA increase in many decades, if not ever. A 5.9% increase on social security checks and government\/military paychecks. In essence, for every $1,000 earned, you would receive an additional $59. With inflation as it is, this would at least match it. Your buying power would remain constant. But, who foresaw that those on Medicare (which not only includes seniors, but those on disability for 25 months or greater) would have it taken back with <strong>a whopping 14.6% increase to Medicare premiums and deductibles<\/strong>?<\/p><h2>The Reason Why:\u00a0Aduhelm, an Alzheimer\u2019s Medication<\/h2><p>A new drug for Alzheimer\u2019s called <a href=\"https:\/\/www.webmd.com\/alzheimers\/aduhelm-what-to-know\" target=\"_blank\" rel=\"noopener\">Aduhelm was recently approved by the FDA<\/a>. In one study, it showed slowing the loss of cognition by removing plagues that kill brain neurons. It\u2019s an expensive drug which requires a monthly injection, most likely for life.<\/p><p>Well, since Alzheimer\u2019s is a disease of the aged and those people are on Medicare, CMS (Centers for Medicare and Medicaid Services) anticipates high demand and a major financial burden. Therefore, they are trying to fill their coffers with higher Medicare costs to be able to cover this new wonder drug.<\/p><p>One can argue this is a reasonable response. I for one agree if the drug works as promised, whoever needs it should get it. However, for the masses who do NOT need it and earn very little, they must now bear the brunt as well. It\u2019s the law of large numbers.<\/p><h2>Part-A Deductible<\/h2><p>While most people on Medicare Advantage and MediGap supplement plans do not pay the Part-A deductible, consider that the increase influences what insurance carriers charge for inpatient hospital copays. Currently, the deductible is $1,484 per benefit period. A benefit period is a 60-day window created on day one you are hospitalized. What this means for you is that if you are re-hospitalized, FOR THE SAME REASON, within that 60-day period, you will not pay the deductible again. However, if you are hospitalized for any other reason or it\u2019s day 61, you will.<\/p><p><strong>The increase for 2022 is $72, for a total of $1,556.<\/strong> This is not counting increases for daily copays for days 61 through 90 hospitalized and lifetime reserve days, nor nursing home copay increases.<\/p><p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-4077\" src=\"https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2021\/11\/2022-Part-A-deductible-amounts.jpg\" alt=\"2022 Part A deductible amounts\" width=\"581\" height=\"159\" srcset=\"https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2021\/11\/2022-Part-A-deductible-amounts.jpg 581w, https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2021\/11\/2022-Part-A-deductible-amounts-300x82.jpg 300w, https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2021\/11\/2022-Part-A-deductible-amounts-150x41.jpg 150w\" sizes=\"(max-width:767px) 581px, 581px\" \/><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6e3f75b9 elementor-section-full_width elementor-section-stretched elementor-section-height-default elementor-section-height-default\" data-id=\"6e3f75b9\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4721382b\" data-id=\"4721382b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-73400e76 elementor-widget elementor-widget-text-editor\" data-id=\"73400e76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Subscribe to our newsletter and get the <span style=\"color: #dbae1d;\"><strong>FREE<\/strong> <\/span>Medical Information document for streamlined emergencies or hospitalization.<span style=\"color: #dbae1d;\"><strong> A MUST HAVE FOR CAREGIVERS! <\/strong><\/span>Don&#8217;t let changes take you by surprise! Stay in the know.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2250034f\" data-id=\"2250034f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7ce3d868 elementor-widget elementor-widget-text-editor\" data-id=\"7ce3d868\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><script>(function() {\n\twindow.mc4wp = window.mc4wp || {\n\t\tlisteners: [],\n\t\tforms: {\n\t\t\ton: function(evt, cb) {\n\t\t\t\twindow.mc4wp.listeners.push(\n\t\t\t\t\t{\n\t\t\t\t\t\tevent   : evt,\n\t\t\t\t\t\tcallback: cb\n\t\t\t\t\t}\n\t\t\t\t);\n\t\t\t}\n\t\t}\n\t}\n})();\n<\/script><style>.mc4wp-form-94 input[type=\"submit\"],\n.mc4wp-form-94 button {\n    color: black;\n    background-color: #dbae1d;\n    border-color: #c29504;\n}\n\n.mc4wp-form-94 input[type=\"submit\"]:hover,\n.mc4wp-form-94 button:hover,\n.mc4wp-form-94 input[type=\"submit\"]:active,\n.mc4wp-form-94 button:active,\n.mc4wp-form-94 input[type=\"submit\"]:focus,\n.mc4wp-form-94 button:focus {\n    color: black;\n    background-color: #c29504;\n    border-color: #a87b00;\n}\n\n.mc4wp-form-94 input[type=\"text\"]:focus,\n.mc4wp-form-94 input[type=\"email\"]:focus,\n.mc4wp-form-94 input[type=\"tel\"]:focus,\n.mc4wp-form-94 input[type=\"date\"]:focus,\n.mc4wp-form-94 input[type=\"url\"]:focus,\n.mc4wp-form-94 textarea:focus,\n.mc4wp-form-94 select:focus {\n    border-color: #dbae1d;\n}\n<\/style><!-- Mailchimp for WordPress v4.15.0 - https:\/\/wordpress.org\/plugins\/mailchimp-for-wp\/ --><form id=\"mc4wp-form-1\" class=\"mc4wp-form mc4wp-form-94 mc4wp-form-form-theme-custom-color\" method=\"post\" data-id=\"94\" data-name=\"Subscription\" ><div class=\"mc4wp-form-fields\"><p>\r\n    <input type=\"text\" name=\"FNAME\" placeholder=\"Name\" required \/>\r\n  \t<input type=\"email\" name=\"EMAIL\" placeholder=\"Email\" required \/><br><br>\r\n\t<input type=\"submit\" value=\"Sign me up\" \/>\r\n<\/p><\/div><label style=\"display: none !important;\">Leave this field empty if you&#039;re human: <input type=\"text\" name=\"_mc4wp_honeypot\" value=\"\" tabindex=\"-1\" autocomplete=\"off\" \/><\/label><input type=\"hidden\" name=\"_mc4wp_timestamp\" value=\"1794155374\" \/><input type=\"hidden\" name=\"_mc4wp_form_id\" value=\"94\" \/><input type=\"hidden\" name=\"_mc4wp_form_element_id\" value=\"mc4wp-form-1\" \/><div class=\"mc4wp-response\"><\/div><input\n                    class=\"apbct_special_field apbct_email_id__elementor_form\"\n                    name=\"apbct__email_id__elementor_form\"\n                    aria-label=\"apbct__label_id__elementor_form\"\n                    type=\"text\" size=\"30\" maxlength=\"200\" autocomplete=\"off\"\n                    value=\"\"\n                \/><\/form><!-- \/ Mailchimp for WordPress Plugin --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d4a2886 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d4a2886\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e51bf21\" data-id=\"e51bf21\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f399998 elementor-widget elementor-widget-text-editor\" data-id=\"f399998\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Part-B Premium and Deductible<\/h2>\n<p>Currently, the Part-B premium is $148.50. In 2020, it was $144.60. Due to the coronavirus pandemic, <a href=\"https:\/\/www.aarp.org\/politics-society\/advocacy\/info-2020\/congress-medicare-part-b.html\" target=\"_blank\" rel=\"noopener\">congress capped the increase for 2021<\/a>, and a $3.90 increase was applied. Now, the government wants to add what they didn\u2019t take in 2021, plus the 2022 increase, totaling <strong>a whopping $21.60 for a total of $170.10<\/strong> being deducted from Social Security checks.<\/p>\n<p>Moreover, the Part-B annual deductible, which is currently $203, will increase by $30 to $233 for 2022. Combined, that\u2019s a $54.60 increase in Part-B alone.<\/p>\n<p>When we consider that according to <a href=\"https:\/\/www.thebalance.com\/how-much-is-the-average-social-security-check-4774723\" target=\"_blank\" rel=\"noopener\"><em>The Balance<\/em>, the average social security check is $1,522.70 per month<\/a>, that\u2019s a significant hit. AND THAT\u2019S THE AVERAGE! I speak with many who receive between $800 and $1,000 per month. Imagine then having to deduct $170 for Part-B (if they are not on Medicaid or on a Medicare Savings Program). You can see how hard this can be to make ends meet.<\/p>\n<p>While I won\u2019t be elaborating on IRMAA (income-related monthly adjustment amount), for those paying an adjusted premium, they will take a serious hit with the Part-B premium being as high as $578.30 per month.<\/p>\n<h2>Part-D Deductible, Coverage and Donut Hole Increases<\/h2>\n<p>While Part-D (your prescription drug plan or portion of your Medicare Advantage plan that provides drug coverage) does not have a fixed premium (the premium is whatever the carrier charges for their respective plans), other areas were not spared.<\/p>\n<p>The deductible went up from $454 annually to $480. The coverage amount increased by $300 (which is a welcomed change) to $4,430; the coverage gap, affectionately known as the donut hole, went up by $200. It will be $2,620 for 2022, with the magic number to get out of the donut hole being $7,050 spent in combination.<\/p>\n<h2>Here Are 4 Ways You Can Lower Some of those Costs<\/h2>\n<p>While we cannot avoid these changes, there are some things you can do to soften the brunt. Let\u2019s look at some of these.<\/p>\n<h3><strong>Look for Plans with Part-B Givebacks<\/strong><\/h3>\n<p>Many carriers offer at least one plan with a Part-B giveback that can range from $50 to $145, depending on your location. In essence, the plan credits your Medicare premium the amount they offer, lowering what you owe. Then Medicare will only deduct the difference. Find out if there are any available in your area. If so, see if they have your doctors and cover your prescriptions. If they do, change your plan.<\/p>\n<h3><strong>See if You Qualify for Extra Help<\/strong><\/h3>\n<p>Extra Help (also known an LIS \u2013 low-income subsidy) make your medication copays low and provides up to an additional $5,000 to cover your prescription costs. This is more than enough to avoid the donut hole\u2019s $2,620 deficit. Take a look at the table below. If what you earn falls within the red lines in the table, contact your agent to apply.<\/p>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-4078\" src=\"https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2021\/11\/2022-FPL-Chart-updated-10-06-2021.jpg\" alt=\"2022 FPL Chart\" width=\"1200\" height=\"722\" srcset=\"https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2021\/11\/2022-FPL-Chart-updated-10-06-2021.jpg 1200w, https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2021\/11\/2022-FPL-Chart-updated-10-06-2021-300x181.jpg 300w, https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2021\/11\/2022-FPL-Chart-updated-10-06-2021-1024x616.jpg 1024w, https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2021\/11\/2022-FPL-Chart-updated-10-06-2021-768x462.jpg 768w, https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2021\/11\/2022-FPL-Chart-updated-10-06-2021-125x75.jpg 125w, https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2021\/11\/2022-FPL-Chart-updated-10-06-2021-700x421.jpg 700w\" sizes=\"(max-width:767px) 700px, (max-width:1200px) 100vw, 1200px\" \/><\/p>\n<h3><strong>Medicare Savings Programs<\/strong><\/h3>\n<p>A Medicare Savings Program is administered by your state\u2019s Medicaid program. If you fall within the green columns above, you may qualify for this savings. There are some additional restrictions on resources. However, if you qualify, you will get your Part-B premium fully reimbursed and may also have your deductibles, coinsurances and copays paid for. Speak with your agent for more details.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bcb53b0 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bcb53b0\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-63c39f6\" data-id=\"63c39f6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-96d5733 elementor-widget elementor-widget-text-editor\" data-id=\"96d5733\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><strong>Choose Plans with Generous Additional Benefits<\/strong><\/h3><p>Another option is to choose a plan that offers generous add-on benefits like:<\/p><ul><li><strong>OTC Allowances<\/strong> (over-the-counter allowances) which will help pay for items you currently buy at Walmart, Walgreens and\/or CVS.<\/li><li><strong>Food Cards: <\/strong>Some plans offer food cards that range between $25 to $75 per month.<\/li><li><strong>Cash Cards:<\/strong> Some plans offer cash cards to alleviate costs not affiliated with food, like gas for example.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a247bcf\" data-id=\"a247bcf\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-afb80ed elementor-widget elementor-widget-text-editor\" data-id=\"afb80ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"wpcf7 no-js\" id=\"wpcf7-f4149-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"4149\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/YCR-BU\/wp-json\/wp\/v2\/posts\/4074#wpcf7-f4149-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"4149\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.7\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f4149-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/fieldset>\n<div class=\"column one\" style=\"text-align: center;\">\n\t<h3><strong>Please Help Me With These Costs<\/strong>\n\t<\/h3>\n<\/div>\n<div class=\"column one-second\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Name\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span>\n\t<\/p>\n<\/div>\n<div class=\"column one-second\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"E-mail\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span>\n\t<\/p>\n<\/div>\n<div class=\"column one\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"ChooseState\"><select class=\"wpcf7-form-control wpcf7-select\" aria-invalid=\"false\" name=\"ChooseState\"><option value=\"Please choose your state\">Please choose your state<\/option><option value=\"-Florida\">-Florida<\/option><option value=\"-Georgia\">-Georgia<\/option><option value=\"Illinois\">Illinois<\/option><option value=\"-Missouri\">-Missouri<\/option><option value=\"-South Carolina\">-South Carolina<\/option><option value=\"-Tennessee\">-Tennessee<\/option><option value=\"-Texas\">-Texas<\/option><\/select><\/span>\n\t<\/p>\n<\/div>\n<div class=\"column one\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"Telephone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-text wpcf7-validates-as-tel\" aria-invalid=\"false\" value=\"Telephone\" type=\"tel\" name=\"Telephone\" \/><\/span>\n\t<\/p>\n<\/div>\n<div class=\"column one\" style=\"text-align: center;\">\n\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Send Message\" \/>\n\t<\/p>\n<\/div>\n<div class=\"column one\" style=\"text-align: center;\">\n\t<p><!-- Mailchimp for WordPress v4.15.0 - https:\/\/www.mc4wp.com\/ --><input type=\"hidden\" name=\"_mc4wp_subscribe_contact-form-7\" value=\"0\" \/><span class=\"mc4wp-checkbox mc4wp-checkbox-contact-form-7 \"><label><input type=\"checkbox\" name=\"_mc4wp_subscribe_contact-form-7\" value=\"1\" checked=\"checked\"><span>Give me your newsletter!<\/span><\/label><\/span><!-- \/ Mailchimp for WordPress -->\n\t<\/p>\n<\/div>\n<div class=\"column one\" style=\"text-align: center;\">\n\t<p><span id=\"wpcf7-6af0a36e1f79d-wrapper\" class=\"wpcf7-form-control-wrap cf7apps-honeypot-wrap honeypot-948-wrap\" ><label for=\"wpcf7-6af0a36e1f79d-field\" class=\"hp-message\">effective dates<\/label><input id=\"wpcf7-6af0a36e1f79d-field\"  placeholder=\"MBI number\"  class=\"wpcf7-form-control wpcf7-text\" type=\"text\" name=\"honeypot-948\" value=\"\" autocomplete=\"off\" tabindex=\"1000\" data-cf7apps-tabindex=\"1000\" \/><\/span>\n\t<\/p>\n<\/div><input type=\"hidden\" id=\"ct_checkjs_cf7_b1d10e7bafa4421218a51b1e1f1b0ba2\" name=\"ct_checkjs_cf7\" value=\"0\" \/><script>setTimeout(function(){var ct_input_name = \"ct_checkjs_cf7_b1d10e7bafa4421218a51b1e1f1b0ba2\";if (document.getElementById(ct_input_name) !== null) {var ct_input_value = document.getElementById(ct_input_name).value;document.getElementById(ct_input_name).value = document.getElementById(ct_input_name).value.replace(ct_input_value, 'c9668077a3e74341251b7db2cc2d52d4799fe175befd9c41c78ae705425675e8');}}, 1000);<\/script><input\n                    class=\"apbct_special_field apbct_email_id__wp_contact_form_7\"\n                    name=\"apbct__email_id__wp_contact_form_7\"\n                    aria-label=\"apbct__label_id__wp_contact_form_7\"\n                    type=\"text\" size=\"30\" maxlength=\"200\" autocomplete=\"off\"\n                    value=\"\"\n                \/><input type='hidden' class='wpcf7-pum' value='{\"closepopup\":false,\"closedelay\":0,\"openpopup\":false,\"openpopup_id\":0}' \/><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<input\n                    class=\"apbct_special_field apbct_email_id__elementor_form\"\n                    name=\"apbct__email_id__elementor_form\"\n                    aria-label=\"apbct__label_id__elementor_form\"\n                    type=\"text\" size=\"30\" maxlength=\"200\" autocomplete=\"off\"\n                    value=\"\"\n                \/><\/form>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-038b536 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"038b536\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bf222d5\" data-id=\"bf222d5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3194e51 elementor-widget elementor-widget-text-editor\" data-id=\"3194e51\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Whether or not you&#8217;ve spoken with someone already regarding your Medicare plan for 2022, you will want to revisit it and do another assessment. Make sure you&#8217;ve exhausted every benefit you are eligible for. If you cannot stop what is taken out and what you may have to pay, make sure you have other ways to lower cost to make that money available for the increases.<\/p><p>If you don\u2019t have an agent or just have questions, feel free to reach out to us here at YourCareRep.com. We will be happy to help anyway we can and provide some guidance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>4 Medicare Changes for 2022 That Erase Your 5.9% Social Security Increase and 4 Ways to Overcome Them The speculating is over! We now know what<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":1,"featured_media":4076,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"footnotes":""},"categories":[2],"tags":[],"class_list":["post-4074","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"jetpack_featured_media_url":"https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2021\/11\/Medicare-increases-for-2022.jpg","_links":{"self":[{"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/posts\/4074","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/comments?post=4074"}],"version-history":[{"count":0,"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/posts\/4074\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/media\/4076"}],"wp:attachment":[{"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/media?parent=4074"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/categories?post=4074"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/tags?post=4074"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}