A Medicare Summary Notice is a statement listing all of the charges Medicare has received for your health care services during the past three months. The MSN is not a bill. It is a summary that records the health care services you have recently received. Review your MSN each time it comes in the mail to ensure you are paying the proper amounts for each service. You can also check your MSN online at www.MyMedicare.gov.

You will only get an MSN if you have Original Medicare, the traditional Medicare program administered directly through the federal government. If you have a Medicare Advantage plan, you will receive an Explanation of Benefits notice detailing the health care services you have received. The MSN and EOB have the same purpose, but have different formats and can be sent at different times.

Pay close attention to Section 3 of the MSN, which details claims your doctors recently submitted to Medicare. Look for whether Medicare has approved the service, how much Medicare paid for each service and the maximum amount you may be billed by your provider. Section 4 provides instructions and deadlines for filing an appeal if Medicare has denied any claims for services. You should always appeal when an item or service is denied. You can appeal yourself using Section 4 of the MSN; you do not need a lawyer.

As mentioned earlier, your MSN is not a bill. You will receive a separate bill directly from your provider for any amounts that you may owe them. If you have already paid your provider, make sure that you have paid the correct amount by checking your payment to the provider against your MSN. If you have overpaid, contact your provider; he or she must refund any amount you overpaid.

If you have secondary insurance, such as a Medigap, this insurance may cover the additional amounts listed on your MSN. Check the notes section of your MSN to see if Medicare or your doctor already submitted your remaining bill to your secondary insurance. If not, ask your secondary insurer how you can submit the claim.

Keep in mind that Medicare will often send separate MSNs for Part A-covered and Part B-covered services. For example, inpatient hospital services, Skilled Nursing Facility services, and hospice services will have their own Part A MSN. Outpatient services and durable medical equipment, like walkers and wheelchairs, will have their own Part B MSNs.

Finally, regardless of how you receive your Medicare benefits, you will receive an EOB for your prescription drugs if you have a Medicare Part D plan. Remember, you can get your Medicare Part D benefit by having a stand-alone Part D plan or by enrolling in a Medicare Advantage plan with drug coverage. However you receive Medicare coverage, you will receive a separate EOB listing the prescription drugs you have filled in the previous month, what your plan paid and what you paid at the pharmacy. It is just as important to review these EOB notices as it is to review your MSN.

Scheduled activities

Thursday and Friday, the senior center and Finney County Transit are closed. The staff and board of directors wish you a very happy holiday season.

Monday has double pinochle at 12:40 p.m. “Strength Training for Seniors” starts at 5:15 p.m. Duplicate bridge begins at 7 p.m.

Tuesday the day begins with walking at 9 a.m. Pitch starts at 12:30 p.m. Bridge is at 1:15 p.m. Yoga begins at 6:30 p.m.

December 31 has line dancing at 8:30 a.m. The senior center and Finney County Transit close at 1 p.m. Services resume on Jan. 2, 2015. Happy New Year.

Lunch menu

Lunch is served at noon.

Thursday and Friday: Closed.

Monday: Chicken fajita, refried beans, savory carrots, tortilla, tropical fruit mix.

Tuesday: Oven-fried chicken, mashed potatoes, tossed salad, roll, fruit cocktail.

Dec. 31: Tuna noodle casserole, Italian vegetables, bread, strawberries.

Visit our website at www.seniorcenterfc.com.