It's important to compare your prescription drug costs based on the drugs you actually take under Part D and Medicare Advantage plans since that expense for most people is their most significant cost, next to premiums. You can compare Medicare Part D drug plans and Medicare Advantage online at www.Medicare.gov by clicking on the link for "find drug and health plans." You can do a general search based on your zip code, and the drugs you input. .You can learn more about Social Security disability benefits at https://www.ssa.gov/benefits/disability/. Find information about when to start retirement benefits here: https://www.ssa.gov/benefits/retirement/learn.html h3. .Analysts are warning about potential drug shortages, but there is a system for checking whether there really is a shortage, using reported shortage tools on the U.S. Food and Drug Administration (FDA) website. You can look up current drug shortages at :https://www.accessdata.fda.gov/scripts/drugshortages/dsp_SearchResults.cfm .When hold harmless is triggered program-wide as in 2016, however, there is no specific provision of law with which to finance the unpaid portion of Medicare Part B premium increases for the roughly 43 million who are protected by the provision. In the past, Congress has chosen to allow this cost burden to shift to the 30 percent of beneficiaries who are not held harmless. Because the cost is spread over far fewer people instead of all beneficiaries, they pay a far larger share of the costs, thus the Part B premium spikes. .U.S. law requires that, in order to meet the requirements, ANP beneficiaries must "establish physical presence" in the United States to receive benefits. One of the easiest options is to "enter the U.S. for any part of 1 day before 30 days elapse." .TSCL believes that the combined effect of COLA cuts and higher Medicare costs would leave the majority seniors far less able to afford necessities in coming years. Today the average monthly Social Security benefit is just ,150 before deductions for Medicare premiums. The average family income of married couples 65 and over including Social Security is just ,718. .In April, lawmakers on the Republican Study Committee proposed a budget blueprint that would reform the Medicare program and cut Social Security benefits by adopting the "chained" CPI, eliminating the COLA for some seniors, and raising the eligibility age. Did you support this dramatic budget blueprint, and if so, why? ."That combination elevates the risk of disruptions to care, and unexpected, uncovered costs — two problems that could plague seniors shifted to new managed-care plans," Hyland says. Most states are expected to "passively enroll" beneficiaries into the plans requiring beneficiaries to take the initiative to opt out. "It is too early to know what type of choices those wishing to opt out will have," Hyland notes. "Without a strong notification and education process, many of the affected dual eligibles may not be aware, or understand, that they have new health coverage, " he says. "A new health plan can mean a change of doctor if their former providers don't participate," Hyland explains. .Obamacare is not the first government program in which major implementation glitches had disastrous consequences for large numbers of beneficiaries. In 1977 changes that Congress made to the Social Security benefit formula created a major inequity in benefits that cost retirees tens of thousands of dollars in Social Security benefits over their lifetimes. The seniors affected are among the oldest and most vulnerable today. Born during 1917 through 1926, and known as "Notch Babies," they received substantially lower benefits than other seniors close to them in age with almost identical work and earnings records. The name refers to the plunging "V" notch when benefits of Notch Babies are charted on a graph.