Understand the type of Medicare options available to you. You can receive coverage for the costs that Medicare does not pay in two main ways: through a Medicare supplemental (sometimes called Medigap) or through a newer Medicare Advantage managed care plan, like an HMO or PPO. Both types of plans cover medically necessary hospitalization as well as doctors' and outpatient services. Many, but not all, Medicare Advantage plans also offer Part D prescription drug coverage. There are significant differences between these two types of plans that affect what you pay out-of-pocket. And those differences are often buried in all the tedious-to-read fine print. .Our next issue of interest this week is Surprise Billing. Surprise billing does not affect seniors on Medicare as much as it affects seniors under age 65 who still have health insurance through their employer or who are paying for their own health insurance. Surprise billing usually refers to expensive, unexpected medical bills that patients receive from hospitals and doctors' offices even when they have health insurance that they expect will cover the majority of treatments cost. Congress has been getting an earful from voters who are very upset about this situation and there seemed to be a fair amount of optimism that legislation dealing with surprise billing may be able to pass. If it does, there could be an effort to attach legislation dealing with drug prices to that bill. .It's hard to say until you crunch the numbers. You may qualify for Social Security benefits with as little as ten years of work through your self-employment. But even if you do, you will be subject to the Windfall Elimination Provision (WEP) which reduces Social Security benefits when you receive a pension based on non-covered government employment. .This week, TSCL announced its support for the Delay until Fully Functional Act (S. 1592 and H.R. 3359), which was introduced by Sen. Marco Rubio (FL) in the Senate and by Rep. Trey Radel (FL-19) in the House. The bill, if signed into law, would delay the Affordable Care Act's individual mandate for six months once the Government Accountability Office certifies that the exchange website is fully functional. .For more information on town hall meetings near you during the August recess, click HERE. For more sample town hall questions, read this month's Legislative Update HERE. ."Using the chained CPI to calculate COLAs would make the problem even worse," Hyland contends. "The chained CPI is calculated much differently than the Consumer Price Index for Workers (CPI-W), the current CPI, and would have a significant effect on reducing the total amount of lifetime Social Security benefits that people receive," Hyland says. "The data certainly suggests this is the case," he adds. .So How Safe Is Air Travel? .More Funding Sought for Home Health Care .Legislators cannot effectively operate on their own without the input of those who elected them. After all, the Constitution guarantees "the right of the people to petition the government for redress of grievance," acknowledging that calling upon our elected representatives is a fundamental principle of our democracy. TSCL's grassroots petition campaign highlighted this freedom and successfully grabbed not just the ears, but the eyes and attention of Congress toward the concerns of millions of seniors nationwide.