The Basics

New grant focuses on providing assistance to at risk populations in 9 rural Missouri counties

i Mar 11th No Comments by

Missouri CLAIM will provide a one-stop shop to provide screening and application help for multiple assistance programs

Jefferson City, Mo– The Missouri Department of Insurance announced a new grant from the National Council on Aging’s Center for Benefits Access (NCOA). The Benefit Enrollment Center (BEC) Grant provides funding for a twenty month period (January 2019 – September 2020) to the Department to implement a Benefit Enrollment Center in 9 rural Missouri counties.

Benefit Enrollment Centers (BEC) use person-centered strategies in a coordinated, community-wide approach to find and enroll Medicare beneficiaries—both seniors aged 65+ years and adults living with disabilities — who have limited income and resources to access available benefits, with the primary focus being on the following five core benefit programs:

  • Medicare Part D Extra Help (or Low-Income Subsidy, LIS)
  • Medicare Savings Programs (MSP)
  • Medicaid
  • Supplemental Nutrition Assistance Program (SNAP, formerly Food Stamps)
  • Low-Income Home Energy Assistance Program (LIHEAP)

A “person-centered” approach is one in which someone is screened for and assisted with applying for multiple benefits at one time, based on that individual’s needs. Currently the department’s CLAIM program assists Missourians with the first three of these core services through the State Health Insurance Program (SHIP) and the Medicare Improvements for Patients and Providers Act (MIPPA) funding. This additional grant will allow CLAIM to assist 1,000 individuals to apply for and receive much needed assistance for which they may qualify.

The BEC grant focuses on 9 rural counties, and senior and disabled individuals in those counties who are most in need of the services. The target area includes these central Missouri counties: Callaway, Camden, Cole, Laclede, Miller, Morgan, Moniteau, Osage and Pulaski. 

The total population in these targeted counties is 328,992, of which:

  • 15.77% are age 65 and older
  • 16.42% have a disability (higher than MO at 14.44% and the US at 12.52%)
  • 15.54% live at or below FPL. Per capita income is $23,004, below the MO average of $27,044;
  • Over 17.25% of the population receives Medicaid
  • 14.44% of the adult population, age 18-64, lacks health insurance

Current Medicare program data indicate there are 12,973 disabled individuals residing in this defined area, 15,881 are low-income, and 13,802 are estimated to need and be eligible for MSP.

About the Missouri Department of Insurance, Financial Institutions & Professional Registration

The Missouri Department of Insurance, Financial Institutions and Professional Registration (DIFP) is responsible for consumer protection through the regulation of financial industries and professionals. The department’s seven divisions work to enforce state regulations both efficiently and effectively while encouraging a competitive environment for industries and professions to ensure consumers have access to quality products.



i Feb 14th No Comments by

February 14, 2019

By Jodie Jackson

COLUMBIA, MO. – Scott Miniea is the new executive director of the Primaris Foundation, taking the reins from Carol Beahan, who retired Jan. 30 after a 30-year career with Primaris.

Primaris CEO Richard A. Royer made the announcement of Miniea’s new post on Feb. 8. Primaris is a healthcare consulting and services firm; the Primaris Foundation is a non-profit organization that helps individuals and communities live healthier lives. The Foundation operates two primary programs: CLAIM, the Missouri State Health Insurance Assistance Program, and Insurance Counseling Services, or ICS.

“He brings a record of achievement here and a strong experience base elsewhere,” Royer said, noting that Miniea will work with “remarkably talented” staff. “With this team, the Foundation is in good hands,” Royer said.

Miniea said Beahan is “a living legend … who built the program into what it is” as executive director of the not-for-profit Foundation that was created in 2005. Miniea said he will be in regular contact with Beahan “as her mentorship and experience are invaluable to the program.”

(For more about Beahan’s retirement and tenure with the Primaris Foundation, listen toEpisode 59 of the Quality Talk podcast.)

Miniea will also make it a priority to continue nurturing the Foundation’s relationship with community partners that are vital in helping both CLAIM and ICS “educate and empower individuals and communities to make informed decisions in a complex healthcare environment.”

“As a CLAIM volunteer myself and an ACA insurance counselor and community health worker, I know how challenging the work we all do can be – and how important,” Miniea said. He served as the ICS director for the past 18 months and will remain focused on “ensuring as many Missourians as possible have health insurance coverage” as well as access to health care to improve their own lives and the health of their communities.

Carol Beahan: Thirty Years Have Gone By Very Quickly

i Jan 30th No Comments by
Carol Beahan, executive director of the Primaris Foundation and CLAIM program director, retires to cap off her 30-year career on Jan. 30, 2019, the 30th anniversary of the day she started working for the CLAIM program.

“I thought that would be a really good date to end on,” she says. “Thirty years have gone by very quickly.”

Quality Talk host Jodie Jackson Jr. explains that as one of the more popular Quality Talk guests, “and one of my all-time favorite people,” it was only fitting that Carol introduce Episode 59 of Quality Talk. This is Carol’s fifth episode, three of which were “Coffee With CLAIM” roundtable discussions with Carol and the CLAIM staff and regional liaisons.

Previous episodes featuring Carol Beahan and her team

Episode 4, Medicare Open Enrollment

Episode 6, Medicare Panel Discussion

Episode 27, Medicare Roundtable, “Coffee With CLAIM”

Episode 51, CLAIM Roundtable

Episode 59. 

3:07 – “It takes a while to make that decision about retiring.”

10:10 – Carol recalls the advent of Medicare Part D and other innovations. More than that, she has good memories of helping both policy-makers and beneficiaries understand Medicare. “We like to tell the stories behind those numbers.”

carol 3

14:59 – Baby Boomers aging into Medicare. “That’s been a new challenge for us. How to reach them and to serve them.” The Quality Talk podcast is one response. “We’re trying to improve our technology.” Also, she’s had to adjust to leadership changes in many agencies and organizations that CLAIM and the Foundation comes into contact with. “You’re always having to educate the community and the healthcare providers.”

19:35 – “It’s the people I work with right now that have really impressed me.”…“And I hope I encourage other people … to learn something new.”

Hail to the chief.

25:11 – Carol once rubbed shoulders with a president. “Up close and personal” with President George W. Bush at a Medicare Part D event.

28:22 – “My team is the most awesome team in the world.” She recognizes CLAIM Lead Trainer Tracey Wetzel, “My goodness, if I could just download her brain and put it into mine. She knows how to find answers.” Carol and Tracey worked together for 15 years.

32:04 – Carol’s professional life before Primaris: started working in Kansas for the state as an income maintenance workers (processing applications for assistance, including food stamps and Medicaid eligibility), then worked for home health agency and coordinated home delivered meal program in Des Moines, Iowa.
“That’s where I really think I developed my interest in working with older adults.” Also coordinated Head Start health and nutrition program in Missouri and was then a nutrition administrator for an Area Agency on Aging in Cole County.

‘That legacy will carry on.’

What’s the next step of your journey? “I think for the first 30 days, I’m not going to read one email. I’m going to take an email diet … Then I will probably find just the right place to be.” Volunteering somewhere, traveling, enjoying her five grandchildren. “I know I will be involved with the community. I’m a people person. I won’t be sitting at home all day.”

38:17 – In this age of technology and digital community, real connections “has to be a priority.”

“I always says that good manners go a long way. ‘Please’ and ‘thank you,’ being courteous and being able to listen to people is important … I hope we never lose that.”

“I know whoever has the fortunate opportunity to step into these shoes will do a great job. They get a great team, which is the No. 1 piece that makes you good. I work with awesome people. They do a lot. They expect a lot. They’re willing to go the extra mile.”

42:05 – “I am honored … I am in awe sometimes that I’ve had the opportunities that I’ve had. I’ve got to work with some people who have really made a difference. I think the work we do here at Primaris – it affects people. It affects healthcare providers. It affects the community … We just have an opportunity to make a difference. I know that legacy will carry on.”

Be sure to stay connected with us on Twitter – our handle is @Quality_Talk – and by emailing the host at You can stream Quality Talk on SoundCloud or listen on iTunes.

More about CLAIM.

CLAIM stands for “Community Leaders Assisting the Insured of Missouri.” We have been the official State Health Insurance Assistance Program (SHIP) for Missouri since 1993.

We are a nonprofit organization and all of our services are free, unbiased and confidential. We are not an insurance agency. We do not sell anything and our counselors do not ask for money.

CLAIM has more than 300 volunteer counselors throughout Missouri providing local Medicare counseling in their communities. Volunteers receive extensive training to become a certified Medicare counselor, and continue to receive updates and trainings on a regular basis.

Primaris Foundation provides the services for the CLAIM program through a contract with the Missouri Department of Insurance, Financial Institutions and Professional Registration (DIFP). Funding is provided by the Administration for Community Living with oversight by DIFP.

Topics: Quality Talk podcast

New App Displays What Original Medicare Covers

i Jan 28th No Comments by


January 28, 2019

Contact: CMS Media Relations
(202) 690-6145 | CMS Media Inquiries
For public inquiries, call 1-800-MEDICARE (1-800-633-4227)


New App Displays What Original Medicare Covers
Newest eMedicare Tool Provides Valuable Information to Mobile Users

Today, the Centers for Medicare & Medicaid Services (CMS) launched a new app that gives consumers a modernized Medicare experience with direct access on a mobile device to some of the most-used content on

The new “What’s Covered” app lets people with Original Medicare, caregivers and others quickly see whether Medicare covers a specific medical item or service. Consumers can now use their mobile device to more easily get accurate, consistent Original Medicare coverage information in the doctor’s office, the hospital, or anywhere else they use their mobile device. In addition to the “What’s Covered” app, through Blue Button 2.0 the agency is enabling beneficiaries to connect their claims data to applications and tools developed by innovative private-sector companies to help them understand, use, and share their health data.

“eMedicare is one of several initiatives focused on modernizing Medicare and empowering patients with information they need to get the best value from their Medicare coverage,” said CMS Administrator Seema Verma. “President Trump is delivering on his commitment to Medicare by modernizing tools that deliver health information in the most convenient way possible. This new app is the next in a suite of products designed to give consumers more access and control over their Medicare information.”

CMS created the app to meet the needs of the growing population of people with Medicare. The Medicare population is projected to increase almost 50 percent by 2030—from 54 million beneficiaries in 2015 to more than 80 million beneficiaries in 2030. As of 2016, about two-thirds of Medicare beneficiaries indicate they use the Internet daily or almost daily (65 percent). Questions about what Medicare covers are some of the most frequent inquiries that CMS receives. There are approximately 15 million page views annually for coverage-related content on and 1-800 MEDICARE receives over 3 million coverage-related calls each year.

CMS launched the eMedicare initiative in 2018 to empower beneficiaries with cost and quality information. Other tools in the eMedicare suite include:

  • Enhanced interactive online decision support to help people better understand and evaluate their Medicare coverage options and costs between Medicare and Medicare Advantage.
  • A new online service that lets people quickly see how different coverage choices will affect their estimated out-of-pocket costs.
  • New price transparency tools that let consumers compare the national average costs of certain procedures between settings, so people can see what they’ll pay for procedures done in a hospital outpatient department versus an ambulatory surgical center.
  • A new webchat option in the Medicare Plan Finder.
  • New easy-to-use surveys across so consumers can continue to tell us what they want.

The eMedicare initiative expands and improves on current consumer service options. People with Medicare will continue to have access to paper copies of the Medicare & You handbook and Medicare Summary Notices.

The What’s Covered app is available for free in both Google Play and the Apple App Store. The app is available in Google Play at:, and is available in the Apple App Store at:


Scam Alert!

i Jan 17th No Comments by

Dear Colleague:

We have become aware of reports of fraudulent telephone calls from individuals claiming to represent the Social Security Administration (SSA). In them, unknown callers are using threatening language to warn unknowing victims that they will be arrested or face other legal action if they fail to call a provided phone number or press the number indicated in the message to address the issue. In some instances, these unknown callers switch tactics and communicate that they want to help an individual with activating a suspended Social Security number. Such calls are a scam, and are not coming from official SSA representatives.

We encourage you to inform your members and extended networks not to engage with such callers, and to report any suspicious calls to Social Security’s Office of the Inspector General by calling 1-800-269-0271 or submitting a report on the OIG website. We also urge you to read and share our Social Security Matters blog, which provides more information on the nature of these fraudulent calls, as well as instructions on how to report such activity.

Social Security is committed to protecting the privacy and security of the people we serve. We appreciate your help in spreading the word about this important topic.


Dawn Bystry
Acting Deputy Associate Commissioner
Office of Strategic and Digital Communications
(T) 410-965-1804




i Nov 29th No Comments by

Written by Jodie Jackson

Spoiler alert: You’re about to get a lively, fun, crash course on Medicare.

“Coffee With CLAIM” is Quality Talk’s fifth Medicare-related episode, highlighting the work CLAIM does as Missouri’s State Health Insurance Assistance Program (SHIP). Though CLAIM works in Missouri, the information presented in this episode applies to all SHIP programs and Medicare beneficiaries across the country.

Put simply, “We help people navigate Medicare,” says Carol Beahan, CLAIM executive director.

18-196-CL 25 years banner-01

CLAIM staff featured in this conversation with Quality Talk host Jodie Jackson Jr. and Beahan also includes Tracey Wetzel, lead trainer; Xavier Vaughn, Outreach/MIPPA project coordinator; Cindy Carr, Region 1 liaison (central Missouri); Julia Allen, Region 2 liaison (eastern Missouri, St. Louis area); Stacey Childs, Region 5 liaison (southwest Missouri); CLAIM newcomer Kori Ross, Region 6 liaison (Kansas City metro area and northwest Missouri); and Elizabeth Swanson, Region 7 liaison (northeast Missouri) and AmeriCorps project manager.

The conversation focuses on the annual enrollment period, Oct. 15-Dec. 7, with discussion also touching on the new Medicare cards that beneficiaries have already received or will receive – depending on the area of the coutry.

Previous episodes of Quality Talk that discussed Medicare topics and questions included Episode 27, “Coffee With CLAIM: Aging Into Medicare,” Episode 10, “New Medicare Cards Are Coming,” and Episode 6, “Medicare Panel Discussion.”Episode 4 featured vital information and tips for the 2017 fall Medicare open enrollment period.

Topics: Medicare enrollment

Hang up on spoofed SSA calls

i Nov 2nd No Comments by

If you get a call that looks like it’s from the Social Security Administration (SSA), think twice. Scammers are spoofing SSA’s 1-800 customer service number to try to get your personal information. Spoofing means that scammers can call from anywhere, but they make your caller ID show a different number – often one that looks legit. Here are few things you should know about these so-called SSA calls.

These scam calls are happening across the nation, according to SSA: Your phone rings. Your caller ID shows that it’s the SSA calling from 1-800-772-1213. The caller says he works for the Social Security Administration and needs your personal information – like your Social Security number – to increase your benefits payments. (Or he threatens to cut off your benefits if you don’t give the information.) But it’s not really the Social Security Administration calling. Yes, it is the SSA’s real phone number, but the scammers on the phone are spoofing the number to make the call look real.

What can you do if you get one of these calls? Hang up. Remember:

SSA will not threaten you. Real SSA employees will never threaten you to get personal information. They also won’t promise to increase your benefits in exchange for information. If they do, it’s a scam.

If you have any doubt, hang up and call SSA directly. Call 1-800-772-1213 – that really is the phone number for the Social Security Administration. If you dial that number, you know who you’re getting. But remember that you can’t trust caller ID. If a call comes in from that number, you can’t be sure it’s really SSA calling.

If you get a spoofed call, report it. If someone calls, claiming to be from SSA and asking for information like your Social Security number, report it to SSA’s Office of Inspector General at 1-800-269-0271 or You can also report these calls to the FTC at

For more tips, check out the FTC’s How to Stop Unwanted Calls and Government Imposter Scams. If you think someone has misused your personal information, go to to report identity theft and find out what steps to take.

Warsaw Retirees Find A Sense Of Community Through Volunteerism

i Jul 27th No Comments by
Jim and Pat Chambers worked in information technology and computer security in Evansville, Indiana, until 2008 when they retired. Seven years ago, after moving to Warsaw and building a house, they decided to take on a mission that would serve their community. They became volunteer Missouri State Certified Medicare counselors, offering free counseling on Thursday mornings at First United Methodist Church of Warsaw.  “We are re-certified each year with continuing education and mandatory tests,” said Jim Chambers. “We typically meet and assist over 250 people annually.  We have no insurance affiliations.  All of our services are free.  Our only goal is to provide Medicare information so people can make informed decisions on their own.”
“We take walk-ins, and those who want to make an appointment can call 660-530-2644,” said Pat Chambers. “Our hours are usually from 9 AM to 12 PM. We may see two to four people on Thursday mornings except during the annual Medicare Open Enrollment (that takes place in the fall.) This is the time when people can change their prescription coverage, and as many as 10 people will need counseling in a week.  We work overtime during that period of time, offering counseling on Fridays too.”
Jim Chambers provided a short list of the services that he and his wife provide during their counseling. 1.) Help people determine which prescription plan is the best for their current situation. We currently have 23 plans in the Warsaw zip code. 2.) Educate new Medicare enrollees. There are many more options than most people realize. Some of these options are only available for a limited time. 3.) Assist Medicare clients in completing forms for low income subsidies. These are substantial amounts for some people. 4.) Assist Medicare clients to better understand their Medicare, doctor and hospital bills. 5.) Help submit Medicare appeals when Medicare guidelines are not followed; especially regarding billing practices. 6.) Provide education about what Medicare does and does not cover. 7.) During open enrollment periods, assist clients with changing plans. 8.) Last, but not least. We meet with people face to face right here in Warsaw at the First United Methodist Church so they do not have to speak to someone over the phone or deal with a computer.
“Since we started seven years ago, we have met many people here in Warsaw and have made many friends,” said Jim Chambers. “We’re very proud to be contributing to our community and to provide an important Medicare service at no charge.”There are two ways that the Chambers get the public to know about their services. CLAIM is the Missouri State Health Insurance Assistance Program. When local people call this nonprofit organization, representatives often refer them to the Chambers who, in turn, make calls to these potential clients to offer their services. The other way their services become public knowledge is through word of mouth.  That is how most of the counseling sessions take place now.
Pat Chambers said that the majority of people they serve are senior citizens, but there are also younger people who are on Medicare Disability, and adult children of Medicare recipients come in for counseling so they can help their parents made health decisions. The Chambers help new beneficiaries all year long.
“Sometimes adult children of Medicare beneficiaries come to us for guidance when they think their parents are being released too early from a hospital stay,” said Pat Chambers. “And, some people have insurance agents, but they will come to us first to talk about what questions to ask their agents.”She said that the satisfaction she and her husband get from their volunteer work is the people they deal with. She said that they get to help them stay on track. Jim Chambers grew up in St. Joseph, and was a member of the Bass Club, so he learned a lot about Truman Lake. When he met and married Pat in Evansville, they took vacations in Warsaw because they are outdoor people. It was easy for them to choose the area as their retirement home. They work Thursdays throughout the year, managing to take a week or two off to vacation.
By: Judy Kramer
County Reporter

Inspector General Warns Public About SSA Impersonation Schemes

i Jul 18th No Comments by

elderly woman on cell phoneThe Acting Inspector General of Social Security, Gale Stallworth Stone, is warning citizens about ongoing Social Security Administration (SSA) impersonation schemes.  SSA and the Office of the Inspector General (OIG) have recently received several reports of suspicious phone calls claiming to be from SSA.

In one case, an automated recording states the person’s Social Security number (SSN) “has been suspended for suspicion of illegal activity,” and the person should contact a provided phone number immediately to resolve the issue.  The call concludes by stating if the person does not contact the provided phone number, the person’s assets will be frozen until the alleged issue is resolved.  In another case, a caller claims to be from “SSA headquarters” and waits for the person to provide personal information, such as an SSN, address, and date of birth.  In January, the OIG shared similar information from the Federal Trade Commission, which reported an increase in reports of suspicious phone calls from people claiming to be SSA employees.

SSA employees occasionally contact citizens by telephone for customer-service purposes.  In only a few limited special situations, usually already known to the citizen, an SSA employee may request the citizen confirm personal information over the phone.  If a person receives a suspicious call from someone alleging to be from SSA, citizens should report that information to the OIG at 1-800-269-0271 or online via

Acting Inspector General Stone continues to warn citizens to be cautious, and to avoid providing information such as your SSN or bank account numbers to unknown persons over the phone or internet unless you are certain of who is receiving it.  “Be aware of suspicious calls from unknown sources, and when in doubt, contact the official entity to verify the legitimacy of the call,” Stone said.

If a person has questions about any communication—email, letter, text or phone call—that claims to be from SSA or the OIG, please contact your local Social Security office, or call Social Security’s toll-free customer service number at 1-800-772-1213, 7 a.m. to 7 p.m., Monday through Friday, to verify its legitimacy.  (Those who are deaf or hard-of-hearing can call Social Security’s TTY number at 1-800-325-0778.)

Written by Andrew Cannarsa, OIG Communication Director 

Medicare Premium Billing Notice

i Jul 12th No Comments by


A New Medicare Card with a New Number

You may have heard that Medicare is removing Social Security Numbers from Medicare cards starting in April 2018.

  • You’ll get a new card in the mail with a new Medicare Number that’s unique to you. This change will help keep your information more secure and help protect your identity.
  • Mailing everyone a new card will take some time. Your card might arrive at a different time than your friends or neighbors.
  • Once you get your new card, destroy your old card and start using your new card right away.
  • Make sure your mailing address is up to date. If your address needs to be corrected, contact Social Security at or 1-800-772-1213. TTY users can call
  • For more information about the new Medicare card, visit or call us at 1-800-MEDICARE (1-800-633-4227). TTY users can call 1-877-486-2048.

Use your New Medicare Number when Paying Your Medicare Premiums
Once you get your new Medicare card, use your new Medicare Number when paying your Medicare premiums, instead of your old number.

  • If you pay your Medicare premiums using Medicare Easy Pay, you don’t need to do anything. Your premium will continue to be automatically deducted from your bank account each month.
  •  If you pay your Medicare premiums using your bank’s Online Bill Pay service, you’ll need to update your account to use your new Medicare Number.
    • Don’t include the dashes when entering your Medicare Number.
    • Make sure the Biller Name says: “CMS Medicare Insurance”.
  • If you pay your Medicare premiums by check or money order, write your new Medicare Number on your check or money order.

Written by ACL