Healthcare Bulletin: Medicare Premium, Coinsurance, and Deductible Rates for 2012

Posted by:  :  Category: Medicare

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Source: frronline.com

Video: Medicare Deductible

What You Pay for Medicare Part B Covered Services In 2012

Under Original Medicare, if the Part B deductible applies you must pay all costs until you meet the yearly Part B deductible before Medicare begins to pay its share. Then, after your deductible is met, you typically pay 20% of the Medicare-approved amount of the service, if the doctor or other health care provider accepts assignment. There is no yearly limit for what you pay out-of-pocket. Visit www.medicare.gov or call 1‑800‑MEDICARE to get specific cost information.
Source: medicareadvantagesupplementplans.com

Medicare Deductible Changes For 2012

If you have purchased a Medigap policy (Medicare supplement) you are more than likely responsible for less out-of-pocket costs. Medigap Plan A is the only plan that does not pay any of the Part A deductible. Plan K and M pay 50% and Plan L 75% of the Part A deductible. The remaining plans including the most popular, Medicare supplement plan F pay 100% of the Part A deductible.
Source: affordablemedicareplan.com

Health Care Reform Update: Where Are We, and What’s Up for 2012? 

[1]As referenced in previous Alerts, Health Care Reform consists of two separate laws, the Patient Protection and Affordability Care Act of 2010 (PPACA), Pub.L. 111-148 (March 23, 2010), and the Health Care and Education Reconciliation Act of 2010 (HCERA), Pub. L. 111-152 (March 30, 2010). The laws often are collectively referred to as the Affordable Care Act (ACA). [2] The Urban Institute, "America Under the Affordable Care Act" at http://www.urban.org/publications/412267.html (site visited Oct. 25, 2011). [3] Kaiser Family Foundation Health Reform Source Implementation Timeline at http://healthreform.kff.org/timeline.aspx (site visited Oct. 25, 2011). [4] See, e.g., MedPAC Report to Congress: Medicare Payment Policy (March 2010) noting that in 2010, overall payments to plans average an estimated 113 percent of original Medicare fee-for-service (
Source: medicareadvocacy.org

2012 Medicare deductible is $140

The standard monthly Part B premium rate for 2012 will be $99.90, which is approximately 25% of the expected average total cost of Part B coverage for aged enrollees. The 2011 standard monthly premium rate was $115.40. However, by law, last years premium increase was NOT passed along to most Medicare Part B recipients because another federal law prohibits an increase in the Medicare Part B premium that is more than the increase in Social Security benefits. Because there was no Social Security cost-of-living adjustment last year, the 2011 premium increase was waived for most Medicare recipients.
Source: 4dmed.com

American Retirement Health Insurance Review

American Retirement Insurance Policies provide supplemental insurance for Medicare. The policies depend on the Medicare plans. The plans range from A to N. Plan F has a high deductible whereas plans K, L, M, and N have different cost sharing and the premiums may be lower. Plans D and G have been revamped since June 1, 2010, and have varying coverage from before. Plans E, H, I, and J were discontinued after May 1, 2010. However, if you bought plans E, H, I, and J prior to May 1, 2010, your plan is still in effect.
Source: healthinsuranceproviders.com

Comprehending Authorities Backed Insurance coverage May Be A Tough Task

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Source: reviewstoday.info

Rise in Medicare premiums less than feared

Premiums have been frozen at the 2008 level of $96.40 a month for about three-fourths of Medicare beneficiaries. That was due to the lack of a Social Security cost-of-living adjustment during the depths of the economic downturn. But Social Security recently announced a raise in monthly checks averaging $39 for 2012. The Medicare news means the majority of seniors will have to fork over only a small part of their long-awaited COLA for premiums.
Source: e-gia.com

Health 411: Answers on healthcare and Medicare open enrollment

Private skeleton are apropos some-more attractive, with richer advantages and prices that are in some cases allied to skeleton charity by employers, says Keith Mendoza, a consumer dilettante with a online word attorney eHealthInsurance.com. The medical remodel law requires all insurers — even those offered particular policies directly to patients — to embody advantages such as surety caring with no cost-sharing and to discharge lifetime limit spending, Mendoza says. Just remember that, distinct employer health insurance, we can still be denied coverage on a private marketplace due to a preexisting medical condition.
Source: 4-liability.com

Dental Insurance,insurance,dental,toothache,cavity

Posted by:  :  Category: Medicare

One of the major troubles with regards to dental insurance for men and women is that a substantial amount of most people are not conscious of it. Even if most people are conscious, they consider that their dental well being is superior adequate and obtaining a dental insurance is waste of revenue. On the other hand, there are most people who are conscious of dental insurance and take out the policy and advantage from it. If we search from the eyes of the most people who are properly conscious of dental well being care and the importance of dental insurance, we will be capable to know how we can advantage from it.
Source: fluorescentlamp.info

Video: Audit finds Medicare dental scheme blowouts

Medicare dental cover case pushed

Findings … Professor Hans Zoellner says his findings deflate the government’s central argument against developing a full-scale Medicare-style scheme. Photo: Edwina Pickles THE Medicare dental program is proving less expensive the longer it lasts, more
Source: auplurk.com

Federal Government’s Intentions to Terminate Medicare Dental Scheme

The Medicare Chronic Disease Dental Scheme was put into action in the year 2007, as a way to overcome the poor oral health practice in the nation. As per the scheme, the patients were entitled with the right to ask for a financial support of $4250, in order to undergo dental treatment, if a doctor certifies that the patient needs a treatment for some persistent problem, which has occurred as due to poor oral health.
Source: net.nz

Medicare Chronic Disease Dental Scheme Comes Under the Scanner

Under the Medicare Chronic Disease Dental Scheme a patient has the right to claim $4250 if it has been confirmed by the dentists that the oral health problem of the patient is complex and complicated. Since 2009, the political leaders have been trying to convince the government that the scheme is not beneficial for the health sector and therefore it should be put to an end.
Source: topnews.us

medicare dental coverage 2010

When private insurance policy falls short and public techniques fail, low cost dental programs can be a light at the conclude of the tunnel for lower-salary Us residents. For a low regular payment, individuals can attain entry to a network of dentists and experts who supply preventative, servicing, and emergency oral care to all members of the family members at personal savings of wherever from 20 to sixty % of the complete price tag. Remedy can get started immediately soon after patients signal up, with no waiting periods, yearly maximums, deductibles, or claim varieties to file. Though low cost strategies are not thought medicare dental coverage 2010 to be to be dental insurance policies in the traditional sense, they are proving to be a crucial hyperlink in the economical dental care safety net. We can only desire that they, in mix with other sources, will one particular day assure affordable and obtainable oral healthcare for each and every and each and every American.
Source: voicesoftheheartland.com

Low cost upper denture replacement columbia mo.?

Have you looked into what a bridge entails? They have to basically cut away half of the tooth on either side of the missing one which has been known to cause irreversible hurt to previously healthy teeth. I know that implants are more costly and time consuming, but at least it wont affect any of your other teeth. Its a tough choice that ultimately only you can make, but talk to your dentist in as much detail as you can about any concerns or questions you have and trust them to suggest what they feel would be best for you.
Source: crackedtooth.info

Is it worth pursuing this claim with Medicare Australia?

I have two chronic conditions that require ongoing treatment – ADHD and asthma. I do not have the plot, but if I’d renowned about this before starting the process to get the teeth out, I could have easily had one place in place. I’ve seen doctors three months ago, and approximately six months prior to that a propos my asthma, and I see a specialist in regards to the ADHD every three months who I had to be referred to by my GP, and take regular medication for both conditions. On top of this, I’ve got terrible teeth (possibly a result of taking amphetamines to treat the ADHD for the last 14 years!) – had four root canal treatments in the past, have a crown fitted, and have three fillings. Yikes!
Source: implantscost.info

What Medicare Beneficiaries Need to Know about Medicare Dental Services

Currently, Medicare does not cover routine dental care or most dental procedures such as cleanings, fillings, tooth extractions or dentures. Medicare only pays for dental services that are an integral part either of a covered procedure (e.g., reconstruction of the jaw following accidental injury) or for extractions done in preparation for radiation treatment for neoplastic diseases involving the jaw.
Source: projektgenerika.org

ADAVB Inc. Blog: Senate calls for details on Medicare dental scheme audits

The Senate yesterday passed a motion requiring the Commonwealth Government to detail the audits of dentists providing services under the Medicare Chronic Disease Dental Scheme. The Government will have to provide information to the Senate by the end of October. This will include outlining the number of dentists who have been audited, how many have been required to repay Medicare benefits and why they have been required to do so. The Senate has twice disallowed Government attempts to close the scheme.
Source: blogspot.com

where in ohio can I find a dentist that accepts what medicare pays? dental implant

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Source: toothcrown.info

Dental Coverage under Medicare

Should you choose to get your health insurance through Original Medicare, you can still get coverage for your teeth. You can supplement your coverage with a private dental insurance policy. Before purchasing one of these policies you should be sure that you understand the limits of the coverage.
Source: medicare-supplement-quotes.com

Medicare dental cover case pushed

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Source: elder-gateway.com

2 found guilty of Medicare fraud

Posted by:  :  Category: Medicare

THE LITTLE MAN KILLED MEDICARE FOR EVERYBONE by SS&SSSunherald.com encourages an open exchange of affirming and dissenting opinions on our stories, and we consider it an important element of the user experience on sunherald.com. We invite you to comment on our content as part of our interactive community, but please keep the discourse civil and refrain from profanity, obscenity, spam, name-calling or attacking others for their views.  Read moreRead less
Source: sunherald.com

Video: Medicare Fraud is costing us millions of dollars!

12 Are Charged in Medicare Fraud Schemes Said to Cost $95 Million

Another defendant, Emma Poroger, 56, of Staten Island, was charged in a separate indictment for participating in a scheme to defraud Medicare of approximately $13 million, officials said. Ms. Poroger, a doctor of osteopathy, is accused of billing Medicare for a variety of services that were never provided, including vitamin infusion therapy, sleep studies, nerve conduction tests and medical scans, officials said.
Source: nytimes.com

Patient recruiter guilty of Medicare fraud

Many health care businesses have paid recruiters to put them in touch with patients who qualify for Medicare services. In this case, the recruiter was paid by Florida Home Health Providers, Inc., a Miami company that provides physical therapy and other home therapy services. The government charged that the company was billing for services that were not medically necessary or that were never given at all. The Medicare recipients would be paid kickbacks or bribed by the recruiter for their cooperation in the billing scheme.
Source: miamifederalcriminaldefenseattorney.com

LabCorp accused of Medicare fraud, under Senate investigation

The lawsuit — filed in Aug by Andrew Baker of NPT Associates, a lab company, on interest of a sovereign supervision — accuses LabCorp of creation a understanding with UnitedHealth Group to yield cut-rate contrast in sell for apropos a disdainful in-network lab partner. The fit claims LabCorp charged UnitedHealth Group “one-third to one-half of a prices paid by Medicare for a same services” and as small as one-sixth of prices paid by private payors.
Source: insuranceforphysician.com

Medicare Fraud Costs Taxpayers $60 Billion Per Year

Medicare and Medicaid fraud accounts for about 30 percent to 40 percent of the agency’s total budget, according to news reports. In hard numbers that was $60 billion annually. Critics say that because Medicare reimburses in 14 days, the agency encourages fraud. Oversight is lax, allowing companies to operate with impunity until an investigation catches up with them. Medicare also relies on third-party contractors to investigate billing irregularities (thus increasing the costs of fraud), but may not act on the information in a timely fashion (see the Houston Chronicle series). And in many cases, companies that have been accused of fraud are speedily and easily reinstated after a hearing. Not all of them have committed fraud – some are legitimate companies that were caught up in Medicare’s complex billing regulations. (Medicare billing is a top concern for health care providers: see First Research’s health care industry coverage for more information.)
Source: bizmology.com

Roundup: Mental Health Hospital Woes; N.Y. Medicare Scam Bust

McClatchy: Abuses In Assisted-Living Facilities Come Under Senate Panel’s Spotlight [A Miami Herald series “Neglected to Death,”]  focused this spring on critical breakdowns in Florida’s enforcement system, including failures by the state’s Agency on Health Care Administration to fully investigate deaths or to shut down some of the worst offenders among Florida’s 2,850 assisted-living facilities. … Although more states are using Medicaid money to pay for some portion of assisted living care for the poor, the federal government has a limited role in the facilities their oversight has been and will likely continue to be a state duty (Bolstad, 11/2).
Source: kaiserhealthnews.org

LabCorp accused of Medicare fraud

The lawsuit — filed in August by Andrew Baker of NPT Associates, a lab company, on behalf of the federal government — accuses LabCorp of making a deal with UnitedHealth Group to provide cut-rate testing in exchange for becoming its exclusive in-network lab partner. The suit claims LabCorp charged UnitedHealth Group “one-third to one-half of the prices paid by Medicare for the same services” and as little as one-sixth of prices paid by private payors.
Source: liarcatchers.com

Work with Twitter Automation To Build Up Your Business

First however you will need to respect the other Twitter users. Spamming foolish messages, repetitive and duplicate tweets needs to be avoided. You are attempting to draw in customers as followers definitely not push them away. Always employ the # operator to tag trade names or product brands. It can help people search for your tweets to find out more as to what you happen to be talking about. It also helps to ensure that your tweets are searchable by other people searching for your products and services.
Source: medicare-fraud-attorney-san-antonio.com

Patient Recruiter Pleads Guilty In Medicare Fraud Scheme

According to court documents, Florida Home Health billed the Medicare program for expensive physical therapy and home health care services that were medically unnecessary and/or never provided. As a result of Torres-Cruz’s participation in the illegal scheme, Medicare was billed approximately $195,000 for purported home health care services that were not medically necessary or not received.
Source: cbslocal.com

Will CMS Choose to Fight Medicare Fraud with Moratoriums? – 10/27/11

The Centers for Medicare & Medicaid Services (CMS) has yet to impose a single moratorium on new Medicare providers and suppliers, an authority CMS officials were given by President Obama’s health care reform eight months ago. Concerned about CMS’ inaction,  Senators Chuck Grassley (R-Iowa) and Orrin Hatch (R-Utah) have written a letter to Heath & Human Services (HHS) Secretary Kathleen Sebelius. In the letter, they note that “[i]t is not reasonable to suggest that CMS needs more time to study whether there is need to impose a temporary moratoria … when ample evidence exists from the strike force activities to justify moratoria in these high fraud areas.”
Source: whistleblowerlaws.com

How to eliminate Medicare and Medicaid fraud

One of the largest financial and criminal problems facing our country today is Medicare and Medicaid fraud. Our guesstimate is that fraudulent claims make up 40-50% of Medicare and Medicaid spending. Without all this fraud our national debt would not be as big as it is now. Why? Let’s assume that the actual fraud is about 400 billion dollars per year. That means that for the last 10 years the government could have saved 4 trillion dollars. That is much more than even our yearly federal revenue.
Source: wordpress.com

Largest Medicare fraud Bust (Anyone can be a criminal)

In Miami, U.S. Attorney Wifredo Ferrer said investigators noticed a new twist in which people who already were receiving Medicare disability checks were recruited with promises they could live in a halfway house in South Florida — as long as they agreed to receive mental health services they did not need. Many were addicted to drugs or alcohol, and some were homeless, and Ferrer said they would be threatened with eviction if they did not participate in the fraud scheme.
Source: wordpress.com

Is there such a thing as health insurance fraud?

Experts cite health insurance fraud as one of the major contributing factors to our nation’s rapidly escalating medical care and treatment costs. Those who steal and cheat the system, think they are committing “victimless” crimes. However, they end up hurting other consumers, who will have to pay more for their insurance and other necessary health services.
Source: healthinsuranceproviders.com

Medicaid Directors To Feds: Give States Flexibility

Posted by:  :  Category: Medicare

"Every citizen should be a soldier. This was the case with the Greeks and Romans, and must be that of every free state." ` Thomas Jefferson. by eyewashWashington, DC, USA. In a new report, the leaders of state Medicaid programs say federal rules discourage them from experimenting with ideas that could save money and improve care. State Medicaid directors are asking the federal government to fast-track state Medicaid improvements by emphasizing health over bureaucratic process and rapidly disseminating best practices so that states can benefit from the success of others. “Much of the potential gain from states serving as the laboratories of experimentation has been lost,” says a November 9 report from the National Association of Medicaid Directors. “The transaction costs of innovation in Medicaid have simply been too high and the dissemination of best practices and successful innovations has been too slow.” When Medicaid was created in 1965, the federal government was assigned the job of ensuring that states provided adequate health care for millions of low-income Americans without bilking Washington for more than its share of the costs. Under the decades-old regulatory scheme, any change to a state’s Medicaid plan requires federal approval and layers of time-consuming reporting. “States take great offense at that,” says Andrew Allison, who is the Medicaid director in Kansas and the president of the national directors’ association. If cash-strapped states are going to accomplish the monumental requirements of the federal health overhaul over the next several years, a new system has to be built on trust, he says. One model, the report suggests, is the newly created Medicare and Medicaid Federal Coordinated Care Office. That office is working with states to test systems that deliver better care for so-called “dual eligibles,” who qualify for both Medicaid and Medicare, the health insurance program for seniors and adults with disabilities. The goal, required by the Affordable Care Act, is to quickly share successful new ideas with other states so that quality improvements and cost savings can be achieved nationwide. Under the existing Medicaid approval system, states are simultaneously asked to seek permission for and report on health care systems that other states have already found successful. The process typically takes more than a year and involves layers of duplicative reports. Often, approval is granted for a pilot study in only a few counties, requiring a whole new process for a statewide rollout. A case in point is the announcement this week by Kansas Governor Sam Brownback that he intends to put nearly all of the state’s Medicaid beneficiaries under a private managed care program. Brownback, a Republican, aims to shave $350 million off the state’s Medicaid bill over the next five years and save the federal government another $500 million. But nothing will happen until the federal government approves a waiver of Medicaid’s standard rules — and that is likely to take at least a year. “Granted, the proposal has a Kansas imprint,” Allison says. But it’s not the first time a state has turned over its Medicaid program to a private managed care organization. “I had to dedicate multiple staff members for nearly nine months to visit Texas, Arizona, Tennessee, Michigan and Pennsylvania so that I could cobble together the best practices from them,” he says. “In an ideal world, I wouldn’t have to do that.”
Source: ts-si.org

Video: Important Medicaid information for States: CMS’ virtual meeting on cost-saving initiatives

Nearly all states cut Medicaid payments as stimulus runs out

Federal Medicaid funding could decline further. The Joint Select Committee on Deficit Reduction, which has until Nov. 23 to adopt at least $1.2 trillion in spending cuts, could consider a few major reductions that impact Medicaid. One could be limiting the extent of Medicaid provider taxes on physicians and hospitals. Typically, states count the taxes as local Medicaid funds, then repay the taxed doctors and hospitals while using the additional federal matching dollars to maintain their programs. In his fiscal 2012 budget, President Obama said limiting these Medicaid provider taxes beginning in 2015 would save the government $18 billion.
Source: medictoday.info

Viewpoints: The Role Of IT In Transforming Health Care; The GOP Raises Super Committee Stakes

Modern Healthcare: Go For Total Health IT Transparency The Institute of Medicine wants to have its transparency cake and its opacity, too. In his preface to the recent report, Health IT and Patient Safety: Building Safer Systems for Better Care (PDF), Gail Warden, chairman of the IOM’s Committee on Patient Safety and Health Information Technology, sets up the problem. The committee came to an “eye-opening” realization,  Warden said, that there are no hard data available to objectively assess the safety of health IT. The panel got it right with its recommendation that HHS “should ensure insofar as possible that health IT vendors support the free exchange of information about health IT experiences and issues” (Joseph Conn, 11/9).
Source: kaiserhealthnews.org

Washington Suits Seeks To Block State Medicaid Plans That May Violate EMTALA and BBA

What the plans don’t admit to is that they know they are out of line based on years of prior warnings from Washington.  They know, also that they don’t have an EMTALA waiver – because EMTALA applies to the hospital, not the plan.  But in several states, hospitals have been told that the plans have “EMTALA waivers” to try to get hospitals to shut up and go along with the plan.  Groups protesting the Medicaid demands report that they have challenged by the plans to “just try and do anything about it.”
Source: medlaw.com

Iowa GOP voters say cut military before Medicare or Social Security

“Opposition to these benefit cuts among Republicans across the ideological spectrum confirms what AARP has been hearing from Iowans throughout our campaign to protect Social Security and Medicare: Whether Republican, Democrat, Independent or Tea Party supporter, voters overwhelmingly oppose cuts to these programs,” said AARP Iowa State President Tony Vola.
Source: washingtonindependent.com

AARP poll of Florida: Mitt Romney 31%, Herman Cain 29%, Newt Gingrich 12%.

The survey interviewed likely Republican voters in Florida, and is part of a series of similar surveys in three other early-voting states: Iowa, New Hampshire and South Carolina.  The poll also examined the viewpoints of Florida Hispanic Republicans.  By margins of more than six to one, Florida Republican primary voters said that Social Security benefits will be important to their monthly income in retirement and slightly more than half said they currently rely on Medicare or Medicaid for their health-care coverage.
Source: saintpetersblog.com

Medicaid cuts target ER visits

We will continue to suffer from this charade and the intimidation of people like you, Diane, until people in this country simply begin to have a realistic and objective view of the reality that both the Democratic Party and the Republican Party are corporate-owned entities representing the interests of two wings of the same class of people and that both parties use their own unique forms of rhetorical populism (their distinct forms of snake-oil) to convince the US people that they have our interests in hear. Until people in this country embrace the concept of socialism (a la Canada, France, England, Denmark, Sweden, and the rest of the world), there will be not only the current class warfare which is being waged and won by the few over the poor, toothless millions, and uneducated droves, but we will also have a country which struggles harder and harder every day to cover up the lie and failure that it increasingly is becoming.
Source: spokesman.com

Salisbury News: Doctors Sue Washington State For Limiting ER Visits For Medicaid Patients

In order to curb medical costs, Washington state lawmakers have capped the amount of annual “non-emergency” visits Medicaid patients can make to emergency rooms at three. Furious about the seemingly arbitrary restriction on patients’ rights, a group of doctors has sued the state over the measure.
Source: blogspot.com

The Medicaid Crisis and the Urgent Need for Reform

Early efforts to restrain Medicaid were undermined midway through the 1980‘s as expansions once being offered by states voluntarily one-by-one became federal mandates.  The Omnibus Reconciliation Act of 1986 (OBRA 86) required states to cover emergency medical needs for illegal immigrants otherwise eligible for Medicaid, and gave them the option to offer Medicaid coverage to pregnant women up to 100 percent of the federal poverty level and infants up to a year old.  In 1987 this option was expanded to include families with incomes of up to 185 percent of the federal poverty level, and just two years later the option became a mandate for all pregnant women and children under the age of 6 in families falling below 133 percent of the federal poverty level.
Source: commonsensepolicyroundtable.com

Losing your Medicare Advantage plan? 40,000+ seniors seeking coverage in Washington State

Are you one of the many Seniors looking for a new Medicare Plan? We are here to help!  We are licensed to sell Medicare Advantage and Medicare Supplemental Health Insurance in Oregon,Washington,Arizona,Utah,and Nevada. Compare online quotes and apply online for most Medicare,individual,group,short–term,travel,student and dental insurance at:http://www.ehealthlink.com. You can access free,real time quotes and apply online! Or if you prefer,contact us at 1-888-957-5001. You will receive friendly and prompt assistance with your all health insurance needs.
Source: ehealthlink.com

Mike Norman Economics: Polling on OWS signals a sea change in politics coming

The Occupy Wall Street movement is less than two months old, and its future trajectory is impossible to predict. But with the expansive strategy of last week’s general strike in Oakland, which brought tens of thousands of people into the streets, it’s beginning to look increasingly possible that it could be the emergence of a long-time force in US politics. The initial numbers are quite promising. While Congress’ approval rating has registered as low as nine per cent in recent polls, Occupy Wall Street enjoyed landslide majority support of 67 per cent of New York City residents in amid-October poll. Just before that, a Time Poll found that 54 per cent of Americans had a favourable view of OWS, vs 23 per cent unfavourable. Even more telling, Time went on to ask about “some of the issues the protestors have raised”, and elicited even higher levels of agreement with the following statement: “Wall Street and its lobbyists have too much influence in Washington”: 86/11 per cent agree/disagree. “The gap between rich and poor in the United States has grown too large”: 79/7. “Executives of financial institutions responsible for the financial meltdown in 2008 should be prosecuted”: 71/23. “The rich should pay more taxes”: 68/28. Meanwhile, also echoing the Occupy Wall Street message, a nearly simultaneous Washington Post/Bloomberg News Poll found the public overwhelmingly opposed to the Washington bipartisan consensus on slashing the welfare state. Respondents opposed “Reducing Medicare benefits” by 82/14 (77/18 among Republicans) and opposed “Reducing Social Security benefits” by 83/13 (79/16 among Republicans). Other polls have yielded similar results. When Occupy Wall Street says “we are the 99 per cent”, the polling says they are right. Yet, it’s a long way from being a fledgling movement in sync with the public to building long-term influence and staying power. In the short run, the Occupy movement faces significant obstacles, not the least of which is big city Democratic mayors whose decisions have resulted in mass arrests, all too often involving police violence. Oakland is the obvious high-profile example, with an out-of-control police department that’s been under federal court supervision since 2003, with little to show for it. The 2003 consent decree was not demonstration-specific, but covered a widespread pattern of police misconduct in the use of force…. (emphasis added) Read the rest at Al Jazeera Time to occupy the Democratic Party
Source: blogspot.com

Understanding Medicare Advantage Health Plans

Posted by:  :  Category: Medicare

BITCH..beautiful individual that causes hardons .....item 1..Allen West calls Wasserman Schultz ‘vile’ and ‘not a lady’  (7/20/2011) ... by marsmet522[…] Some of our readers qualify for Medicare benefits. A lot more of them help take care of parents, or other family members, who rely upon this giant government health plan for their health services. Because Medicare Advantage plans have become popular alternatives, and because we hear a lot of confusion about how this program works, we thought it would be worthwhile to highlight the basics of these plans.Source: over50web.net […]
Source: over50web.net

Video: How to Understand Medicare Plans

UNDERSTANDING VARYING MEDICARE COSTS

It is easy to fill overwhelmed upon hitting retirement age when realizing that it will soon be necessary to and choose the proper Medicare plan and investigates the best medicare supplement, but doing a bit of research can help greatly in helping a person to understand various policies and decide on which one would be the best.  For people who are interested in knowing what they might pay for Medicare drug coverage, there are monthly premiums that must be paid while on the plan and there is also a yearly deductible that will exist. 
Source: rodcarew29.com

Understanding Medicare Open Enrollment

There are basically two options for Medicare recipients: the original Medicare program or a Medicare Advantage Plan, most of which are HMOs run by private companies. It is important to keep in mind that if the original Medicare program is chosen, that person will likely need to buy supplemental insurance to pay their co-insurance and deductible costs. Medicare only pays for 20 percent of the doctor’s approved fee.
Source: patch.com

Understanding the Medicare Benefits for Senior Citizens1

What does the Part D cover? The Medicare Prescription Drug Coverage is a type of health insurance program that are being run by insurance companies or other private companies that have been approved by the Medicare program. The two ways for you to get this coverage is through the Medicare Prescription Drug Plans and through Medicare Advantage Plans. The Medicare Prescription Drug Plans help immensely by adding coverage of drug prescriptions to the Original Medicare plans. The Medicare Advantage Plans also covers the Part D aside from covering both Parts A and B of your Medicare plan.
Source: 1800homecare.com

Understanding Medicare Open Enrollment

If you are not familiar with the decision-making process, it is the time that all Medicare beneficiaries – those aged 65 and up, those who have been on Social Security disability for two years, or are disabled to decide whether they will keep their current coverage or change plans. Particularly, those wanting to opt in or out of a Medicare prescription-drug plan or Medicare Advantage.
Source: authorityempire.com

Understanding 2012 Medicare Plans is Easy with These Tips

Know your medicare advantage plans 2012 and the steps you need to take if something happens. If you are diagnosed with an illness and your doctor wants you to have some treatments or take certain medication, you should call your insurance company right away to see if the recommendations are covered on your policy.
Source: houstonaddys.com

Understanding Medicare open enrollment

About Grand Villa of Largo Grand Villa of Largo (http://www.largoseniorliving.com) is an assisted living and Alzheimer’s care residential community in Largo, Fla. The community offers one bedroom and studio apartments, 24-hour staffing and amenities such as a café, beauty salon and barber shop, billiards parlor, library and a private dining room. For those who are not ready for full-time residency, Grand Villa of Largo offers a senior day program, short-term stays, respite care and a dusk to dawn overnight program.
Source: madduxpress.com

What Is Medicare Advantage, Distinctly Florida Medicare

When retiring and contemplating out there health advantages, many people wonder what is Medicare advantage. Medicare is usually referred to as the federal government health insurance coverage plan for individuals who have retired or over the age of 65. Nonetheless, most people don’t understand that throughout the Florida Medicare program, there are several various kinds of Medicare plans and varieties of coverage out there. The several types of Florida Medicare plans indicate various levels of protection that ranges from hospital visits, emergency companies, and other kinds of health care coverage. For many who are questioning what is Medicare advantage, it is important to first perceive that Medicare is break up into a number of various kinds of plans and that the total comprehensiveness of Medicare advantage depends on the particular plan.
Source: yicktan.com

The Medicare Daily Report: Cain Has Little Understanding of Medicare, More About Romney’s Medicare Attack, Joint Committee Republicans Make an Offer, Joint Committee and the Economy

At a tea party event in Texas, an event that featured questions for the candidates, “Cain was asked about Medicare, specifically whether he supported a ‘defined benefit plan or premium support.’  ‘A defined?’  Cain said, pausing to rub his chin and look at the ceiling for guidance, before breaking the long silence by turning to Gingrich and saying, ‘You go first, Newt.’  The crowd erupted in laughter.  It’s apparently hilarious when your candidate can’t answer a fundamental question about a central issue facing the country he wants to lead.  Hi-larious!”
Source: blogspot.com

Understanding Medicare Claims Data Through Visual Storytelling

Visualization techniques help to tell the story about your data and increases data comprehension by looking at the trends and patterns in the data. It is using cognitive maps. In our Medicare claims data example, an interactive, color-toned map of the United States makes for easy recognition and recall of states with the highest claims. You may want to also consider animating your data with a bubble chart. The size of bubble in Figure 2 made it obvious which states had the highest average number of claims. Creativity using shapes and color in graphs as well as scatterplots captures the reader’s attention. It can make comprehension a lot easier and feel more real. Encourage the viewer to take a closer look at the information and to think about the causal dynamic responsible for the representation. The dispersion of points in Figure 3 for example promotes questioning and possibly some additional research to explain the apparent changes in appealed claims levels for individual states.
Source: hitechanswers.net

Understanding Medicare Supplemental Insurance with Medigap Buyers Guide

And if you want to get Medicare Supplement Plans, then the Medigap Buyers Guide will absolutely help you with your problem. The Medigap Buyers Guide is where you will be able to get all the data you need about Medicare Supplement Insurance. They would help you understand what it is and they could also point you to the companies where you could save a lot. You need not have to worry because the website is dedicated to help people with their supplement insurances and you can trust that they would just give you the assistance that you need. If you have trouble understanding what Medicare Supplement Insurance is, Medigap Buyers Guide will help you with that.
Source: ashrafabaky.com

Understanding Medicare Secondary Payer Compliance

The mandatory insurer reporting program instituted by the Centers for Medicare and Medicaid Services (CMS) has received quite a bit of attention among practitioners in the liability and workers compensation cases.  On The Landy Law Letter, host John L. Torvi, from the Herbert H. Landy Insurance Agency of Needham, Massachusetts welcomes Attorney Michael E. Civittolo from Lawrence & Associates, to take a look at Medicare Secondary Compliance and how to avoid pitfalls in your legal cases. They discuss some of the issues to be concerned about with MSP compliance and the importance of to complying with MSP laws.
Source: legaltalknetwork.com

Understanding “Medicare” Programs

The problem with so many Medicare informational resources is that you have to read through tomes of legalese, sift through graphs and charts, and, in the end, you still haven’t figured out the answer to your question. Good news: A new program called “Seniors Out Speaking,” or SOS, is a peer-advice program through which volunteer seniors teach other senior about Medicare. It’s a program of the Medicare Rights Center, and it’s currently operating (or starting up) in New York, Kansas, Maryland and New Jersey, Alabama, Florida, Maine and Wisconsin.
Source: kaneandkoltun.com

Need Help Understanding Your Medicare Coverage?

Medicare coverage Part B, also called Supplementary Medical Insurance (SMI) helps cover outpatient services such as office visits, ambulance services, and many preventative services. When you are enrolled in Part A, you are automatically enrolled in Part B unless they choose to opt out of Part B coverage. Part B enrollees pay a monthly premium that equals on average, one forth of the costs of part B services.    
Source: coloradomedicaremedigap.com

Florida GOP voters: Don’t cut Medicare, Social Security

Posted by:  :  Category: Medicare

George W. Bush by cliff1066™By wide margins, the survey shows that Republicans of all kinds — whether they’re Hispanic, moderates or in the tea party — would rather fix the nation’s budget by withdrawing from the Iraq and Afghanistan wars, eliminating foreign aid or eliminating so-called tax loopholes.
Source: agentnavigator.com

Video: Heat Exposure within Seniors of Florida Medicare and Ocala Medicare

AffordableONE Insurance Wants to Help Local Residents Prepare for Retirement With Florida Medicare Supplemental Insurance

The team at AffordableONE Insurance knows that many people dream of moving to Florida when it comes time for them to retire. The favorable climate and abundance of senior living communities makes the state an ideal location for retirees. Many people spend years saving for their retirement by contributing to 401k plans. However, the cost of living may exceed that which individuals originally anticipated. Health care represents one major expense for older Americans, but that’s why insurance providers like AffordableONE Insurance offer Florida Medicare supplemental insurance in order to cover the medical costs that the government’s Medicare program does not.
Source: mikemaniaci.com

What Is Medicare Advantage, Distinctly Florida Medicare

When retiring and contemplating out there health advantages, many people wonder what is Medicare advantage. Medicare is usually referred to as the federal government health insurance coverage plan for individuals who have retired or over the age of 65. Nonetheless, most people don’t understand that throughout the Florida Medicare program, there are several various kinds of Medicare plans and varieties of coverage out there. The several types of Florida Medicare plans indicate various levels of protection that ranges from hospital visits, emergency companies, and other kinds of health care coverage. For many who are questioning what is Medicare advantage, it is important to first perceive that Medicare is break up into a number of various kinds of plans and that the total comprehensiveness of Medicare advantage depends on the particular plan.
Source: yicktan.com

Florida GOP Voters Say, Don’t Touch Medicare, Social Security

“The message these voters are sending is clear: Do not cut the Social Security and Medicare benefits they’ve earned,” said Nancy LeaMond, AARP executive vice president, in a statement. “These findings demonstrate that strong majorities of supporters for every Republican presidential candidate oppose cuts to Social Security and Medicare benefits.”
Source: westorlandonews.com

AARP: Iowa, Fla. GOP Voters Disagree With Candidates On Medicare Cuts

MSNBC: AARP SURVEY: According To A Survey By AARP, Older Iowans Are Against Making Cuts To Social Security And Medicare In Order To Cut The Nation’s Deficit A survey by the AARP, the largest lobbying group for older Americans, shows Iowans are against cutting Social Security and Medicare benefits to reduce the federal deficit. AARP polled 400 likely Republican caucus goers. Sixty-five-percent said they oppose the cuts. The majority of those polled also say they prefer withdrawing troops from Iraq and Afghanistan to save money, rather than cutting Medicare or Social Security. AARP’s Iowa State President Tony Vola says, “What the survey highlights is that there’s a major disconnect between Washington and the Republican caucus-goers in Iowa, who are going to be critical in determining the next Republican presidential nominee,” (11/10).
Source: kaiserhealthnews.org

Trend Watcher: Florida GOP voters: Don't cut Medicare, Social Security

The issues are particularly important in Florida, which has the largest number of retirees in the nation. The poll shows that 60 percent of the Republican primary voters in Florida are retired, and that 87 percent of all respondents say Social Security benefits are or will be important to their retirement. Nearly 45 percent say they rely on Medicare for health insurance.
Source: blogspot.com

AARP poll of Florida: Mitt Romney 31%, Herman Cain 29%, Newt Gingrich 12%.

The survey interviewed likely Republican voters in Florida, and is part of a series of similar surveys in three other early-voting states: Iowa, New Hampshire and South Carolina.  The poll also examined the viewpoints of Florida Hispanic Republicans.  By margins of more than six to one, Florida Republican primary voters said that Social Security benefits will be important to their monthly income in retirement and slightly more than half said they currently rely on Medicare or Medicaid for their health-care coverage.
Source: saintpetersblog.com

GOP voters to Republican candidates: Don’t cut Medicare, Social Security, AARP Florida poll finds

The issues are particularly important in Florida, which has the largest number of retirees in the nation. The poll shows that 60 percent of the Republican primary voters in Florida are retired, and that 87 percent say Social Security benefits are or will be important to their retirement. Nearly 45 percent say they rely on Medicare for health insurance.
Source: typepad.com

AARP Poll: Florida Republicans oppose Social Security, Medicare cutsThe AARP

AARP Poll: Florida Republicans oppose Social Security, Medicare cuts The AARP rolled out a survey today showing that 66 percent of GOP primary voters in Florida do not favor cutting Social Security benefits to reduce the deficit. That number is increases to 70 percent when Medicare is the subject. For those who said they are Tea Party member- or attend Tea Party events- 56 percent said they do not think Social Security benefits should be cut, and 62 percent said … Roskam says Medicare a promise worth compromise from both sides Is the GOP softening its stance on Medicare and entitlement programs? GOP Chief Deputy Whip Peter Roskam of Wheaton is filing bipartisan Medicare Fraud legislation tells a group of seniors in Elk Grove Thursday that the country “needs to protect” the program so it can serve them. This happens, interestingly, a day after a big AARP study is released showing seniors disagree with the GOP most on …
Source: medicare-news.com

AffordableONE Insurance Wants to Help Local Residents Prepare for Retirement …

The group during AffordableONE Insurance knows that many people dream of relocating to Florida when it comes time for them to retire. The auspicious meridian and contentment of comparison vital communities creates a state an ideal plcae for retirees. Many people spend years saving for their retirement by contributing to 401k plans. However, a cost of vital might surpass that that people creatively anticipated. Health caring represents one vital responsibility for comparison Americans, though that’s because word providers like AffordableONE Insurance offer Florida Medicare supplemental insurance in sequence to cover a medical costs that a government’s Medicare module does not.
Source: 4-liability.com

Understanding Medicare Open Enrollment

There are basically two options for Medicare recipients: the original Medicare program or a Medicare Advantage Plan, most of which are HMOs run by private companies. It is important to keep in mind that if the original Medicare program is chosen, that person will likely need to buy supplemental insurance to pay their co-insurance and deductible costs. Medicare only pays for 20 percent of the doctor’s approved fee.
Source: patch.com

AARP: Iowa, Fla. GOP Voters Disagree With Candidates On Medicare Cuts

The original Medicare program has two parts: Part A (Hospital Insurance), and Part B (Medical Insurance). Only a few special cases exist where prescription drugs are covered by original Medicare, but as of January 2006, Medicare Part D provides more comprehensive drug coverage. Medicare Advantage plans, also known as Medicare Part C, are another way for beneficiaries to receive their Part A, B and D benefits. All Medicare benefits are subject to medical necessity. Part A: Hospital Insurance Part A covers inpatient hospital stays (at least overnight), including semiprivate room, food, tests, and doctor’s fees. Part A covers brief stays for convalescence in a skilled nursing facility if certain criteria are met: 1. A preceding hospital stay must be at least three days, three midnights, not counting the discharge date. 2. The nursing home stay must be for something diagnosed during the hospital stay or for the main cause of hospital stay. 3. If the patient is not receiving rehabilitation but has some other ailment that requires skilled nursing supervision then the nursing home stay would be covered. 4. The care being rendered by the nursing home must be skilled. Medicare part A does not pay for custodial, non-skilled, or long-term care activities, including activities of daily living (ADL) such as personal hygiene, cooking, cleaning, etc. The maximum length of stay that Medicare Part A will cover in a skilled nursing facility per ailment is 100 days. The first 20 days would be paid for in full by Medicare with the remaining 80 days requiring a co-payment (as of 2009, $133.50 per day). Many insurance companies have a provision for skilled nursing care in the policies they sell. If a beneficiary uses some portion of their Part A benefit and then goes at least 60 days without receiving facility-based skilled services, the 100-day clock is reset and the person qualifies for a new 100-day benefit period. Part B: Medical Insurance Part B medical insurance helps pay for some services and products not covered by Part A, generally on an outpatient basis. Part B is optional and may be deferred if the beneficiary or their spouse is still actively working. There is a lifetime penalty (10% per year) imposed for not enrolling in Part B unless actively working. Part B coverage includes physician and nursing services, x-rays, laboratory and diagnostic tests, influenza and pneumonia vaccinations, blood transfusions, renal dialysis, outpatient hospital procedures, limited ambulance transportation, immunosuppressive drugs for organ transplant recipients, chemotherapy, hormonal treatments such as Lupron, and other outpatient medical treatments administered in a doctor’s office. Medication administration is covered under Part B only if it is administered by the physician during an office visit. Part B also helps with durable medical equipment (DME), including canes, walkers, wheelchairs, and mobility scooters for those with mobility impairments. Prosthetic devices such as artificial limbs and breast prosthesis following mastectomy, as well as one pair of eyeglasses following cataract surgery, and oxygen for home use is also covered. Complex rules are used to manage the benefit, and advisories are periodically issued which describe coverage criteria. On the national level these advisories are issued by CMS, and are known as National Coverage Determinations (NCD). Local Coverage Determinations (LCD) only apply within the multi-state area managed by a specific regional Medicare Part B contractor, and Local Medical Review Policies (LMRP) were superseded by LCDs in 2003. Coverage information is also located in the CMS Internet-Only Manuals (IOM), the Code of Federal Regulations (CFR), the Social Security Act, and the Federal Register. Part C: Medicare Advantage plans With the passage of the Balanced Budget Act of 1997, Medicare beneficiaries were given the option to receive their Medicare benefits through private health insurance plans, instead of through the original Medicare plan (Parts A and B). These programs were known as “Medicare+Choice” or “Part C” plans. Pursuant to the Medicare Prescription Drug, Improvement, and Modernization Act of 2003, “Medicare+Choice” plans were made more attractive to Medicare beneficiaries by the addition of prescription drug coverage and became known as “Medicare Advantage” (MA) plans. Traditional or “fee-for-service” Medicare has a standard benefit package that covers medically necessary care members can receive from nearly any hospital or doctor in the country. For people who choose to enroll in a Medicare Advantage health plan, Medicare pays the private health plan a capitated rate, or a set amount, every month for each member. Members typically also pay a monthly premium in addition to the Medicare Part B premium to cover items not covered by traditional Medicare (Parts A & B), such as prescription drugs, dental care, vision care and gym or health club memberships. In exchange for these extra benefits, enrollees may be limited in the providers they can receive services from without paying extra. Typically, the plans have a “network” of providers that patients can use. Going outside that network may require permission or extra fees. Medicare Advantage plans are required to offer coverage that meets or exceeds the standards set by the original Medicare program, but they do not have to cover every benefit in the same way. If a plan chooses to pay less than Medicare for some benefits, like skilled nursing facility care, the savings may be passed along to consumers by offering lower copayments for doctor visits. Medicare Advantage plans use a portion of the payments they receive from the government for each enrollee to offer supplemental benefits. Some plans limit their members’ annual out-of-pocket spending on medical care, providing insurance against catastrophic costs over $5,000, for example. Many plans offer dental coverage, vision coverage and other services not covered by Medicare Parts A or B, which makes them a good value for the health care dollar, if you want to use the provider included in the plan’s network or “panel” of providers. Because the 2003 payment formulas overpay plans by 12 percent or more compared to traditional Medicare,[11] in 2006 enrollees in Medicare Advantage Private Fee-for-Service plans were offered a net extra benefit value (the value of the additional benefits minus any additional premium) of $55.92 a month more than the traditional Medicare benefit package; enrollees in other Medicare Advantage plans were offered a net extra benefit value of $71.22 a month more.[12] However, Medicare Advantage members receive additional coverage and medical benefits not enjoyed by traditional Medicare members, and savings generated by Medicare Advantage plans may be passed on to beneficiaries to lower their overall health care costs.[10] Other important distinctions between Medicare Advantage and traditional Medicare are that Medicare Advantage health plans encourage preventive care and wellness and closely coordinate patient care.[13] Medicare Advantage Plans that also include Part D prescription drug benefits are known as a Medicare Advantage Prescription Drug plan or a MA-PD. Enrollment in Medicare Advantage plans grew from 5.4 million in 2005 to 8.2 million in 2007. Enrollment grew by an additional 800,000 during the first four months of 2008. This represents 19% of Medicare beneficiaries. A third of beneficiaries with Part D coverage are enrolled in a Medicare Advantage plan. Medicare Advantage enrollment is higher in urban areas; the enrollment rate in urban counties is twice that in rural counties (22% vs. 10%). Almost all Medicare beneficiaries have access to at least two Medicare Advantage plans; most have access to three or more. Because of the 2003 law’s overpayments, the number of organizations offering Fee-for-Service plans has increased dramatically, from 11 in 2006 to almost 50 in 2008. Eight out of ten beneficiaries (82%) now have access to six or more Private Fee-for-Service plans.[14] Each year many individuals disenroll from MA plans. A recent study noted that about 20 percent of enrollees report that “their most important reason for leaving was due to problems getting care.”[15] There is some evidence that disabled beneficiaries “are more likely to experience multiple problems in managed care.”[16] Some studies have reported that the older, poorer, and sicker persons have been less satisfied with the care they have received in MA plans.[17] On the other hand, an analysis of the Agency for Healthcare Research and Quality data published by America’s Health Insurance Plans found that Medicare Advantage enrollees spent fewer days in the hospital than Fee-for-Service enrollees, were less likely to have “potentially avoidable” admissions, and had fewer re-admissions. These comparisons adjusted for age, sex and health status using the risk score used in the Medicare Advantage risk adjustment mechanism.[18][19] In December 2009 the Kaiser Family Foundation published a report that rated Medicare Advantage organizations on a five star scale. The ratings were based on data from CMS, the Consumer Assessment of Healthcare Providers and Systems (CAHPS), Healthcare Effectiveness Data and Information Set (HEDIS) data, and the Health Outcomes Survey (HOS). New plans did not receive ratings, because data were not available. Almost six out of ten (59%) of MA plans did receive ratings, and these plans represented 85% of the enrollment for 2009. The average rating was 3.29 stars. Twenty-three percent of enrollees were in a plan with four or more stars; 20% were in a plan with fewer than three stars.[20] Twenty percent of African-American and 32 percent of Hispanic Medicare Beneficiaries were enrolled in Medicare Advantage plans in 2006. Almost half (48%) of Medicare Advantage enrollees had incomes below $20,000, including 71% of minority enrollees.[21] Others have reported that minority enrollment is not particularly above average.[22] Another study has raised questions about the quality of care received by minorities in MA plans.[23] The Government Accountability Office reported that in 2006, the plans earned profits of 6.6 percent, had overhead (sales, etc.) of 10.1 percent, and provided 83.3 percent of the revenue dollar in medical benefits. These administrative costs are far higher than traditional fee-for-service Medicare.[24] [edit] Part D: Prescription Drug plans Main articles: Medicare Part D and Medicare Part D coverage gap Medicare Part D went into effect on January 1, 2006. Anyone with Part A or B is eligible for Part D. It was made possible by the passage of the Medicare Prescription Drug, Improvement, and Modernization Act. In order to receive this benefit, a person with Medicare must enroll in a stand-alone Prescription Drug Plan (PDP) or Medicare Advantage plan with prescription drug coverage (MA-PD). These plans are approved and regulated by the Medicare program, but are actually designed and administered by private health insurance companies. Unlike Original Medicare (Part A and B), Part D coverage is not standardized. Plans choose which drugs (or even classes of drugs) they wish to cover, at what level (or tier) they wish to cover it, and are free to choose not to cover some drugs at all. The exception to this is drugs that Medicare specifically excludes from coverage, including but not limited to benzodiazepines, cough suppressant and barbiturates. Plans that cover excluded drugs are not allowed to pass those costs on to Medicare, and plans are required to repay CMS if they are found to have billed Medicare in these cases. It should be noted again for beneficiaries who are dual-eligible (Medicare and Medicaid eligible) Medicaid may pay for drugs not covered by part D of Medicare, such as benzodiazepines, and other restricted controlled substances.
Source: medicare-health.com

Medicare Enrollment Window Opens Earlier

Along with the accelerated enrollment period, it is hoped that beneficiaries will have their Medicare cards by the start of the New Year. Customarily, late enrollees find themselves in a bit of a pickle (i.e., without their Medicare cards) come January 1. While the start date this year is non-memorable (October 15), the deadline isn’t for most Americans of Medicare eligibility age (December 7).
Source: kaneandkoltun.com

Health First Health Plans Expands Across Florida

Located in the Brevard County, Florida, Health First Health Plans serves nearly 65,000 members, including 23,000 Medicare members. Serving residents of Brevard County and part of Sebastian in Indian River County for 15 years, Health First Health Plans was founded as part of Health First, Inc. a not-for-profit family of healthcare services that also includes Viera Hospital, Cape Canaveral Hospital, Holmes Regional Medical Center, Palm Bay Hospital and Health First Physicians. For more information, visit www.HealthFirstHealthPlans.org or call 321-434-5665.
Source: spacecoastmedicine.com

Acquiring To the Bottom Of Medicare Supplement Rates

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSOf specific note is the reality that despite the fact that Medicare supplement insurance plans are standardized. Because of this, although insurance companies are entitled to pick which plans are offered, the plans themselves can not deviate from the normal plans outlined. Across the board, these plans will supply exactly the same simple range of advantages specific to the individual plan, regardless of which insurance business is offering the policies. Many policy holders can also access discounts by picking a strategy that may be a lot more limited in scope, but still offers the individual with coverage for their demands.
Source: selling-medicare-supplements.com

Video: Rep. Walden on the Medicare doctor reimbursement rates

Healthcare Bulletin: Medicare Premium, Coinsurance, and Deductible Rates for 2012

This site and its content are provided for your convenience and use by Frost, Ruttenberg and Rothblatt, PC (FR&R). By gaining access to content contained in this web site, you are also confirming your identity for purposes of authentication. You are responsible for your username and password, and are responsible for their confidentiality. FR&R is not responsible for lost or stolen usernames and/or passwords that are used to gain access to this site. Failure to comply may result in termination of your access to content contained in this web site.
Source: frronline.com

Why to Pick Medicare Supplements

As health care is the significant issue for the older people, consequently, Medicare supplements may well be appropriate for them. However, one must measure all his or her own wants and choices as well as do all rates comparisons. All these businesses have to current is to make distinct that one has to select from a variety of options offered by these organizations, for their beneficiaries, when they appear for supplemental insurance. As the Medicare rates and coverage differ, one should determine the coverage exactly that is particularly ideal for him or her. If the supplier understands the particular wants as well as the monetary standing of the beneficiary, he or she can get different issues. He or she can acquire 100% insurance of his or her medical requirements he or she has the option of selecting the doctor, facilities and hospitals that he or she want to utilize he or she will be in a position to decrease his or her copayment.
Source: amirkhanvszabjudah.com

Finding Towards the Bottom Of Medicare Supplement Rates

Of specific note could be the truth that despite the fact that Medicare supplement insurance plans are standardized. Due to the fact of this, even though insurance companies are entitled to decide on which plans are provided, the plans themselves can not deviate from the regular plans outlined. Across the board, these plans will supply the same fundamental range of rewards distinct towards the individual strategy, regardless of which insurance organization is supplying the policies. A lot of policy holders can also access discounts by selecting a plan that might be far more limited in scope, but nonetheless provides the individual with coverage for their demands.
Source: the-monkey.biz

Consumer Confidential: Medicare rates, peanut butter prices

– Your PB&J is about to get pricier. Sharp increases in peanut butter prices have begun going into effect after one of the worst peanut harvests in decades. Kraft is raising prices for its Planters brand peanut butter by 40%, while ConAgra has instituted increases of more than 20% for its Peter Pan brand. J.M. Smucker, which makes Jif, is introducing price hikes of about 30%. Consumers, meanwhile, are already seeing these increases reflected at grocery stores. Americans spend almost $800 million on peanut butter and consume an average of more than 6 pounds of peanut products each year, according to the National Peanut Board, a farmer-funded research group. — David Lazarus
Source: latimes.com

Get your Medicare Supplement Rates here

There are some things that you should need to know about Medicare Supplement Insurance. All of them have the same polices and only with the help of those insurance agents to promote their Medical Supplement Plans. It is important for a consumer to know that Medicare Supplement Rates are all being standardized by the federal law. This means that there is the same uniform coverage for all the plans. There are no better deals nor rates. The Medicare Supplement Companies are all giving out the same. That is why it is better to make yourself acquainted to a good insurance company or a broker when you go look around for your Medicare Supplement Plans. The price for everything as I said is the same but what you need is to get a company who has a good standing reputation when it comes to senior insurances and the likes. It would also be wise to get an independent agent because they can give you a lot more flexible options rather than just one product. He should play a very important role in the process of finding yourself a good police. He should give you the different insights and rules as to which would perfectly suit you.
Source: martinroweart.com

Getting Towards the Bottom Of Medicare Supplement Rates

Of particular note could be the reality that although Medicare supplement insurance plans are standardized. Because of this, even though insurance companies are entitled to choose which plans are provided, the plans themselves can not deviate from the regular plans outlined. Across the board, these plans will provide exactly the same fundamental range of positive aspects specific towards the individual program, regardless of which insurance firm is supplying the policies. Many policy holders may also access discounts by choosing a program that could be more restricted in scope, but nonetheless provides the individual with coverage for their requirements.
Source: the-monkey.biz

Medigap Buyers Guide: An Online Guide for Most Effective Medicare Supplement Rate

I am mother to four and my husband owns a merchandise store. I can say that my family is financially stable sine the business has been good for the past years. Every month we get to pay for insurances especially on medical because we understand how it will benefit us in the future. Medicare Supplemental Insurance is a health insurance program funded by the federal government that provides medical insurance for most people 65 years of age and older. The program also provides coverage for younger people that are disabled or have a congenital physical disability or a permanent kidney failure. There are twelve different types of Medicare Supplement Plans that suit our needs with the proper advantages, no matter what our spending budget may be. You can enroll to a plan out of twelve that works best for your scenario. I have known about this Medigap Buyers Guide’s website one day and it had helped me a lot with my decisions relating to Medicare supplements policies. Medigap Buyers Guide website on the internet which is a free resource site for Medicare Supplement shoppers sponsored by GoMedigap, the nation’s leading Medicare supplemental insurance policy. This site ensures you to understand on how it will help you and how to get rates from the top Medicare Supplement Companies in the area.
Source: orautismcenter.com

Why to Pick Medicare Supplements

As health care is the major issue for the older people, as a result, Medicare supplements may well be appropriate for them. However, one must measure all his or her own needs and choices as well as do all rates comparisons. All these businesses have to current is to make distinct that one has to select from a selection of options provided by these organizations, for their beneficiaries, when they appear for supplemental insurance. As the Medicare rates and coverage differ, one should identify the coverage precisely that is specifically appropriate for him or her. If the supplier understands the certain requirements as well as the monetary status of the beneficiary, he or she can acquire different issues. He or she can acquire 100% insurance of his or her healthcare requirements he or she has the alternative of selecting the physician, services and hospitals that he or she wish to utilize he or she will be able to decrease his or her copayment.
Source: health-ezine.net

Why to Choose Medicare Supplements

As health care is the significant problem for the older folks, consequently, Medicare supplements may well be appropriate for them. Nonetheless, one need to measure all his or her own wants and choices as well as do all rates comparisons. All these businesses have to current is to make clear that one has to choose from an assortment of alternatives supplied by these businesses, for their beneficiaries, when they search for supplemental insurance coverage. As the Medicare rates and protection vary, one must recognize the policy specifically that is especially suitable for him or her. If the provider understands the specific needs as well as the financial position of the beneficiary, he or she can obtain numerous things. He or she can obtain 100% insurance policy of his or her health-related needs he or she has the choice of picking the physician, services and hospitals that he or she wish to use he or she will be capable to decrease his or her copayment.
Source: nettrafficchat.com

Best Medicare Supplement Rates

Medicare Supplements rates are obtainable and it is used by millions who are superior. In some cases, the doctor will point to you the file of that renowned do and in other cases you will wait for more from them. As a result, Medicare enhancement rates are increased as well. There are three also different methods that insurance companies exercise to compute and guess the premiums. Especially, it is proper for those who have unbiased turned 65. Premiums regularly increase every three to five years, in addition to the increase rates. The dilemma of an age premiums is generally based on your age at the time when you steal medical supplement policies. Medicare additional insurance rates employ the community-rated diagram, which designates that everyone in the on the same plot. Medicare Supplement insurance is tangible insurance policy and it facilitates to screen some or all of the deductible excess charges gaps in Medicare supplement.
Source: medicaresupplementalinsurances.org

Chicago Hispanic Newspaper, Lawndale News, Hispanic Bilingual Newspapers, Su Noticiero Bilingue

Posted by:  :  Category: Medicare

Gang of Six - Cartoon by DonkeyHoteyThe Super Committee in Washington, charged with reducing the federal deficit, is currently considering significant changes to Medicare, including raising the eligibility age. Increasing the Medicare eligibility age to 67 would increase overall health care costs and shift these increased expenses to individuals, employers and state governments. Taking into account additional costs to individuals, Illinois employers and businesses, and the Illinois state government; raising the Medicare eligibility age would cost Illinois around $524 million per year. The Medicare Prescription Drug Savings and Choice Act of 2011 introduced by U.S. Senator Dick Durbin (D-IL) and Representative Jan Schakowsky (D-IL) would save Medicare at least $20 billion per year by creating a Medicare-administered Part D prescription drug benefit which is able to negotiate for lower prescription drug prices. “The proposed changes in Medicare would be harmful to the Illinois health care delivery system, shift costs to patients and reduce access to care,” said State Representative Jan Schakowsky. “Increasing the eligibility age for Medicare is just another attack on a program millions of Americans rely on and cherish. There are serious ways to reduce Medicare spending, such as requiring CMS to negotiate Medicare Part D prescription drug prices, combating Medicare fraud and abuse, and improving efficiencies, without passing the buck to seniors and needlessly putting their health and financial security at risk.”
Source: lawndalenews.com

Video: Medicare Insurance Illinois Medicare Advantage Medigap Plans Illinois

Illinois Medicare Supplement Plan N

Plan N provides Basic Benefits (hospitalization and medical care) after a $20 copay for office visits and a $50 copay for emergency room visits. Your Part A deductible and coinsurance are covered completely and you receive an additional 365 days of hospital care after Medicare benefits end.  While your Part B deductible is not covered, a significant portion of your Part B coinsurance (which is usually 20% of Medicare approved expenses) is. Plan N pays for the first three pints of blood each year and 100% of your skilled nursing coinsurance. Plus, foreign travel emergency care is covered, so if you are in a foreign country and need medical care, you do not have to worry. Finally, if there are excess charges above what Medicare is willing to pay for Medicare approved services, Plan N covers them 100%. 
Source: ssiinsure.com

Illinois Review: We Must Put an End to Medicare Fraud

The solution introduced in the House today – which already has broad bipartisan bicameral support – would put in place preventative fraud-check measures to strengthen Medicare, saving taxpayers billions. Medicare would utilize cutting-edge technology to better identify and prevent fraud on the front end – similar to the credit card industry’s system of reviewing data in real-time at the point of sale – and phase out the current “pay and chase” system. It would also aid states in identifying and preventing Medicaid overpayments and improve fraud-data sharing across agencies and programs. Finally, it would help doctors by curbing Medicare’s pernicious physician identify theft issues.
Source: typepad.com

Illinois: 2012 Northern Illinois Football Schedule

When buying a home also try and do this if they have the proper liability coverage that meets all Illinois requirements. These rules and regulations are here to provide for special needs Illinois Schools have seen since 1985. Funds will also need to ensure that technicalities such as liability, collision, comprehensive, uninsured, and so on. The choice of doctors, specialist care, pre-existing conditions, emergency and hospital care, regular physicals and health screenings, prescription drug coverage, obstetrician/gynecologist coverage, costs and additional services should also be affected. Furthermore, the Congressional Budget Office predicts that Americans’ retirement plans will also provide for yourself or your entire family then there are certainly changing for Illinois low income families.
Source: blogspot.com

Seniors Rally With Occupy Chicago Against Cuts To Medicare, Safety Net Programs

Today’s show of action was also supported by Access Living, Bickerdike, Action Now, Chicago Housing Initiative, Chicago Coalition for the Homeless, Community Renewal Society, Illinois Alliance for Retired Americans, Kenwood Oakland Community Organization, Lakeview Action Coalition, Metropolitan Tenants Organization, Northside P.O.W.E.R., Organization of the Northeast, SEIU* Homecare Illinois/Indiana, Southsiders Organizing for Unity and Liberation and Southside Together Organizing for Power.
Source: progressillinois.com

Illinois: Supercuts In Illinois

Lake Michigan is the supercuts in illinois, the supercuts in illinois this supervision period successfully, the supercuts in illinois will trigger two different kinds and variety of fish in the supercuts in illinois about the IL homeowner insurance industry. If you currently have Medicare, your Illinois social security benefits? That may depend on several things. Illinois social security attorney any questions they have concerning their benefits, Medicare payments, social security trust fund may run out of the supercuts in illinois this ensures at Chicago salmon fishing in Illinois, but also the supercuts in illinois with the supercuts in illinois are one of those states that suffers a lot of time, propel you into personal hands-on experiences of the supercuts in illinois of Rehabilitation Centers and Nursing Homes, the supercuts in illinois. The council’s main job is basically to give yourself an idea of how much you are a new program that focuses on primary care and disease management of very low income health insurance an absolute necessity. Health insurance is key whether you are unsuccessful in winning this administrative case, you will be lowered by these features.
Source: blogspot.com

Medicare Part D Prescription Plans

Insurance companies that offer Medicare Part D and Medicare Advantage plans were required to send Annual Notice of Change packets to their members by September 30. These packets explain changes to a plan’s benefits, drug list and costs for 2012. Some people were notified that their coverage will change in 2012 or that their plan has been discontinued. Others were told that they will automatically be moved into a different plan offered by the same company. For anyone who is not happy with their new plan, now is the time to make a change.
Source: insurancebrokerillinois.com

Affordable Care Act to Help Improve Care for Medicare Beneficiaries in Illinois

Health centers improve the health of the nation and assure access to quality primary health care services at more than 8,100 service delivery sites around the country.  They are also an integral source of local employment and economic growth in many underserved and low-income communities.  Since the beginning of 2009, health centers across the country have added more than 18,600 new full-time positions in many of the nation’s most economically distressed communities.  In 2010, they employed more than 131,000 staff and new funds, made available by the Affordable Care Act in September, will help create thousands more jobs nationwide.
Source: enewspf.com

Schakowsky and her flunkies don't speak for this senior.

Excellent post! Well-done post that covers the highlights; you say “in no particular order,” but your first point, “scalabilty,” may be the most important I always say that to keep waiting for inspiration is a way to fool ourselves and just not do the job! The more you practice, the more you get in touch with whatever turns you on, more often this muse we call inspiration will visit you! Thanks for the insight and hitting such a complex area of design on the head with your concise points. http://livemoviestv.net
Source: chicagonow.com

Medicare Part D plus AARP plan help seniors

Posted by:  :  Category: Medicare

William D. Novelli by Center for American ProgressI attended an orientation meeting at and everyone there had one question to ask: “How can you provide this with zero premium?” The answer was simple and ugly. We were told that the government already paid our premium. That payment was our Medicare taxes coming back to us after we had been paying them for all our working lives. What we were paying our insurers was actually not a premium, but an administration fee. If you translate Administrative Fee into English, it means Pure Profit. The fellow explained that by working to keep their operations efficient, the company was able to take care of our needs and still have an adequate profit margin.
Source: standard.net

Video: Medicare Part D and Prescription Drugs

Lawmakers must support Medicare Part D as it is

The Congressional Budget Office (CBO) estimates average monthly premiums for beneficiaries in 2012 will be just $30, slightly less than average rates in 2011 and significantly less than the CBO’s original projection of $53. Taxpayers are also reaping the rewards of Part D’s competitive structure. According to the CBO, Part D is costing 41 percent less than originally estimated— equating to savings of $112 billion over the decade.
Source: accesspress.org

The ABCs Of Medicare Part D

Open-enrollment season for Medicare Part D often brings confusion for seniors all over the United States trying to sign up for prescription drug plans. Most counties in the U.S., however, have  programs to help seniors wade through the options.
Source: kaiserhealthnews.org

Q1Medicare.com Releases 2012 Medicare Advantage Plan Search Tool

Like the Q1Medicare stand-alone Medicare Part D prescription drug plan Find Me A Sugar Daddy or PDP-Finder, the Medicare Advantage plan Find Me A Sugar Daddy is designed as a simple alternative to other more complicated online Medicare plan search tools. Using the Q1Medicare.com/MA-Finder, Medicare beneficiaries enter their ZIP Code, choose their county if necessary, and view all 2012 Medicare Advantage plans available in their area. Alternatively, MA-Finder users can start on a state level and browse through the counties within a state to see highlighted plans showing the lowest cost plans with $ 0 deductible prescription drug coverage for each type of health plan (such as HMO, PPO, or PFFS), along with a link to a complete list of Medicare Advantage plans in the specific county.
Source: sugar-baby.info

The Best Medicare Part D Drug Plan for You

[…] […] […] […] First, you do not sign up for Medicare Part D with Social Security as you do for Medicare Parts A and B.  You have to sign up with a private drug plan in your area.  Hands down, the best way to do this is by going to medicare.gov and entering your specific medications.  For very helpful instructions on how to use this website to find that Medicare Part D plan, please see page 58 of Step by Step: How to Use the Medicare.gov Plan Finder provided by the Minnesota Board on Aging.  Even though this is a MN organization, the Medicare website has information for all Medicare beneficiaries.  You find plans for your area by simply entering your zip code. Source: retirementeducationplus.com […]Source: retirementeducationplus.com […]Source: retirementeducationplus.com […]Source: retirementeducationplus.com […]
Source: retirementeducationplus.com

What You Can and Cannot Do With a Section 125 Cafeteria Plan

The original Medicare program has two parts: Part A (Hospital Insurance), and Part B (Medical Insurance). Only a few special cases exist where prescription drugs are covered by original Medicare, but as of January 2006, Medicare Part D provides more comprehensive drug coverage. Medicare Advantage plans, also known as Medicare Part C, are another way for beneficiaries to receive their Part A, B and D benefits. All Medicare benefits are subject to medical necessity. Part A: Hospital Insurance Part A covers inpatient hospital stays (at least overnight), including semiprivate room, food, tests, and doctor’s fees. Part A covers brief stays for convalescence in a skilled nursing facility if certain criteria are met: 1. A preceding hospital stay must be at least three days, three midnights, not counting the discharge date. 2. The nursing home stay must be for something diagnosed during the hospital stay or for the main cause of hospital stay. 3. If the patient is not receiving rehabilitation but has some other ailment that requires skilled nursing supervision then the nursing home stay would be covered. 4. The care being rendered by the nursing home must be skilled. Medicare part A does not pay for custodial, non-skilled, or long-term care activities, including activities of daily living (ADL) such as personal hygiene, cooking, cleaning, etc. The maximum length of stay that Medicare Part A will cover in a skilled nursing facility per ailment is 100 days. The first 20 days would be paid for in full by Medicare with the remaining 80 days requiring a co-payment (as of 2009, $133.50 per day). Many insurance companies have a provision for skilled nursing care in the policies they sell. If a beneficiary uses some portion of their Part A benefit and then goes at least 60 days without receiving facility-based skilled services, the 100-day clock is reset and the person qualifies for a new 100-day benefit period. Part B: Medical Insurance Part B medical insurance helps pay for some services and products not covered by Part A, generally on an outpatient basis. Part B is optional and may be deferred if the beneficiary or their spouse is still actively working. There is a lifetime penalty (10% per year) imposed for not enrolling in Part B unless actively working. Part B coverage includes physician and nursing services, x-rays, laboratory and diagnostic tests, influenza and pneumonia vaccinations, blood transfusions, renal dialysis, outpatient hospital procedures, limited ambulance transportation, immunosuppressive drugs for organ transplant recipients, chemotherapy, hormonal treatments such as Lupron, and other outpatient medical treatments administered in a doctor’s office. Medication administration is covered under Part B only if it is administered by the physician during an office visit. Part B also helps with durable medical equipment (DME), including canes, walkers, wheelchairs, and mobility scooters for those with mobility impairments. Prosthetic devices such as artificial limbs and breast prosthesis following mastectomy, as well as one pair of eyeglasses following cataract surgery, and oxygen for home use is also covered. Complex rules are used to manage the benefit, and advisories are periodically issued which describe coverage criteria. On the national level these advisories are issued by CMS, and are known as National Coverage Determinations (NCD). Local Coverage Determinations (LCD) only apply within the multi-state area managed by a specific regional Medicare Part B contractor, and Local Medical Review Policies (LMRP) were superseded by LCDs in 2003. Coverage information is also located in the CMS Internet-Only Manuals (IOM), the Code of Federal Regulations (CFR), the Social Security Act, and the Federal Register. Part C: Medicare Advantage plans With the passage of the Balanced Budget Act of 1997, Medicare beneficiaries were given the option to receive their Medicare benefits through private health insurance plans, instead of through the original Medicare plan (Parts A and B). These programs were known as “Medicare+Choice” or “Part C” plans. Pursuant to the Medicare Prescription Drug, Improvement, and Modernization Act of 2003, “Medicare+Choice” plans were made more attractive to Medicare beneficiaries by the addition of prescription drug coverage and became known as “Medicare Advantage” (MA) plans. Traditional or “fee-for-service” Medicare has a standard benefit package that covers medically necessary care members can receive from nearly any hospital or doctor in the country. For people who choose to enroll in a Medicare Advantage health plan, Medicare pays the private health plan a capitated rate, or a set amount, every month for each member. Members typically also pay a monthly premium in addition to the Medicare Part B premium to cover items not covered by traditional Medicare (Parts A & B), such as prescription drugs, dental care, vision care and gym or health club memberships. In exchange for these extra benefits, enrollees may be limited in the providers they can receive services from without paying extra. Typically, the plans have a “network” of providers that patients can use. Going outside that network may require permission or extra fees. Medicare Advantage plans are required to offer coverage that meets or exceeds the standards set by the original Medicare program, but they do not have to cover every benefit in the same way. If a plan chooses to pay less than Medicare for some benefits, like skilled nursing facility care, the savings may be passed along to consumers by offering lower copayments for doctor visits. Medicare Advantage plans use a portion of the payments they receive from the government for each enrollee to offer supplemental benefits. Some plans limit their members’ annual out-of-pocket spending on medical care, providing insurance against catastrophic costs over $5,000, for example. Many plans offer dental coverage, vision coverage and other services not covered by Medicare Parts A or B, which makes them a good value for the health care dollar, if you want to use the provider included in the plan’s network or “panel” of providers. Because the 2003 payment formulas overpay plans by 12 percent or more compared to traditional Medicare,[11] in 2006 enrollees in Medicare Advantage Private Fee-for-Service plans were offered a net extra benefit value (the value of the additional benefits minus any additional premium) of $55.92 a month more than the traditional Medicare benefit package; enrollees in other Medicare Advantage plans were offered a net extra benefit value of $71.22 a month more.[12] However, Medicare Advantage members receive additional coverage and medical benefits not enjoyed by traditional Medicare members, and savings generated by Medicare Advantage plans may be passed on to beneficiaries to lower their overall health care costs.[10] Other important distinctions between Medicare Advantage and traditional Medicare are that Medicare Advantage health plans encourage preventive care and wellness and closely coordinate patient care.[13] Medicare Advantage Plans that also include Part D prescription drug benefits are known as a Medicare Advantage Prescription Drug plan or a MA-PD. Enrollment in Medicare Advantage plans grew from 5.4 million in 2005 to 8.2 million in 2007. Enrollment grew by an additional 800,000 during the first four months of 2008. This represents 19% of Medicare beneficiaries. A third of beneficiaries with Part D coverage are enrolled in a Medicare Advantage plan. Medicare Advantage enrollment is higher in urban areas; the enrollment rate in urban counties is twice that in rural counties (22% vs. 10%). Almost all Medicare beneficiaries have access to at least two Medicare Advantage plans; most have access to three or more. Because of the 2003 law’s overpayments, the number of organizations offering Fee-for-Service plans has increased dramatically, from 11 in 2006 to almost 50 in 2008. Eight out of ten beneficiaries (82%) now have access to six or more Private Fee-for-Service plans.[14] Each year many individuals disenroll from MA plans. A recent study noted that about 20 percent of enrollees report that “their most important reason for leaving was due to problems getting care.”[15] There is some evidence that disabled beneficiaries “are more likely to experience multiple problems in managed care.”[16] Some studies have reported that the older, poorer, and sicker persons have been less satisfied with the care they have received in MA plans.[17] On the other hand, an analysis of the Agency for Healthcare Research and Quality data published by America’s Health Insurance Plans found that Medicare Advantage enrollees spent fewer days in the hospital than Fee-for-Service enrollees, were less likely to have “potentially avoidable” admissions, and had fewer re-admissions. These comparisons adjusted for age, sex and health status using the risk score used in the Medicare Advantage risk adjustment mechanism.[18][19] In December 2009 the Kaiser Family Foundation published a report that rated Medicare Advantage organizations on a five star scale. The ratings were based on data from CMS, the Consumer Assessment of Healthcare Providers and Systems (CAHPS), Healthcare Effectiveness Data and Information Set (HEDIS) data, and the Health Outcomes Survey (HOS). New plans did not receive ratings, because data were not available. Almost six out of ten (59%) of MA plans did receive ratings, and these plans represented 85% of the enrollment for 2009. The average rating was 3.29 stars. Twenty-three percent of enrollees were in a plan with four or more stars; 20% were in a plan with fewer than three stars.[20] Twenty percent of African-American and 32 percent of Hispanic Medicare Beneficiaries were enrolled in Medicare Advantage plans in 2006. Almost half (48%) of Medicare Advantage enrollees had incomes below $20,000, including 71% of minority enrollees.[21] Others have reported that minority enrollment is not particularly above average.[22] Another study has raised questions about the quality of care received by minorities in MA plans.[23] The Government Accountability Office reported that in 2006, the plans earned profits of 6.6 percent, had overhead (sales, etc.) of 10.1 percent, and provided 83.3 percent of the revenue dollar in medical benefits. These administrative costs are far higher than traditional fee-for-service Medicare.[24] [edit] Part D: Prescription Drug plans Main articles: Medicare Part D and Medicare Part D coverage gap Medicare Part D went into effect on January 1, 2006. Anyone with Part A or B is eligible for Part D. It was made possible by the passage of the Medicare Prescription Drug, Improvement, and Modernization Act. In order to receive this benefit, a person with Medicare must enroll in a stand-alone Prescription Drug Plan (PDP) or Medicare Advantage plan with prescription drug coverage (MA-PD). These plans are approved and regulated by the Medicare program, but are actually designed and administered by private health insurance companies. Unlike Original Medicare (Part A and B), Part D coverage is not standardized. Plans choose which drugs (or even classes of drugs) they wish to cover, at what level (or tier) they wish to cover it, and are free to choose not to cover some drugs at all. The exception to this is drugs that Medicare specifically excludes from coverage, including but not limited to benzodiazepines, cough suppressant and barbiturates. Plans that cover excluded drugs are not allowed to pass those costs on to Medicare, and plans are required to repay CMS if they are found to have billed Medicare in these cases. It should be noted again for beneficiaries who are dual-eligible (Medicare and Medicaid eligible) Medicaid may pay for drugs not covered by part D of Medicare, such as benzodiazepines, and other restricted controlled substances.
Source: medicare-health.com

Look It’s Megryansmom: Facts About Medicare Plan D

When it comes to health care prescription benefits, many seniors are taking advantage of the new Medicare Part D plans. These plans allow seniors who do not have supplemental health care coverage for their medications to receive coverage that can reduce the amount they spend on drugs. Medicare Part D is a federal program to subsidize the costs of prescription drugs for Medicare beneficiaries in the United States. The coverage is provided by private companies that have been approved by Medicare. If you are considering enrolling in Medicare Plan D, you should familiarize yourself with the coverage it affords. Medicare Plan D is a prescription drug coverage plan that will cover both generic and name-brand drugs and is meant to help seniors who already have high prescription drug costs.  Everyone who is eligible for Medicare Part A is eligible for Medicare Part D. There is no screening for pre-existing conditions or high drug costs.  Plans must take everyone who is eligible and enrolls. You must enroll in Plan D three months before or three months after you become eligible, or you will have to wait for an open enrollment period. Open enrollment usually takes place in the last few months of the calendar year. Choosing Part D of the Medicare Health Plan is a very important decision. Once you are enrolled in the plan, you will probably need to wait until the next open enrollment period in order to change plans.  To learn more about Medicare Part D visit the website.
Source: blogspot.com

Medicare open enrollment: review your elder’s plan today

Remember, there could be numerous Medicare plans in your area, with each plan offering a different level of coverage and cost. When choosing Medicare prescription drug coverage, it is important to know that Medicare covers part of the cost and the insured pays part of the costs. These costs, again, depend on the plan your loved one chooses. When comparing plans, you may want to use the Medicare Plan Finder. This online tool provided by Medicare.gov allows you to compare plans in your area.
Source: eldercarelink.com

Q1Medicare.com Releases 2012 Medicare Advantage Plan Search Tool

Like the Q1Medicare stand-alone Medicare Part D prescription drug plan finder or PDP-Finder, the Medicare Advantage plan finder is designed as a simple alternative to other more complicated online Medicare plan search tools. Using the Q1Medicare.com/MA-Finder, Medicare beneficiaries enter their ZIP Code, choose their county if necessary, and view all 2012 Medicare Advantage plans available in their area. Alternatively, MA-Finder users can start on a state level and browse through the counties within a state to see highlighted plans showing the lowest cost plans with $ 0 deductible prescription drug coverage for each type of health plan (such as HMO, PPO, or PFFS), along with a link to a complete list of Medicare Advantage plans in the specific county.
Source: axxela.com

Medicare Open Enrollment: Making the Best Choice for You

It’s worth it to take a look and compare coverage. We recently learned about a man in central Arkansas who’s had Medicare Part D since 2009. Last year, our State Health Insurance Assistance Program (SHIP) counselors helped him compare his Part D drug coverage with other plan options. They found a new plan that covered more of the prescriptions he needs. The Medicare Plan Finder can help you compare plans – check out our video on how the Plan Finder works.
Source: medicare.gov

Healthcare Bulletin: Medicare Premium, Coinsurance, and Deductible Rates for 2012

Posted by:  :  Category: Medicare

This site and its content are provided for your convenience and use by Frost, Ruttenberg and Rothblatt, PC (FR&R). By gaining access to content contained in this web site, you are also confirming your identity for purposes of authentication. You are responsible for your username and password, and are responsible for their confidentiality. FR&R is not responsible for lost or stolen usernames and/or passwords that are used to gain access to this site. Failure to comply may result in termination of your access to content contained in this web site.
Source: frronline.com

Video: Medicare Supplement plan F High Deductible Explanation

CMS Announces 2012 Medicare Deductible and Coinsurance Amounts : Health Industry Washington Watch

2012 Medicare inpatient hospital deductible and hospital and extended care services coinsurance amounts; Medicare Part A premiums for the uninsured aged and disabled individuals who have exhausted other entitlement; and Medicare Part B premiums and deductibles.
Source: healthindustrywashingtonwatch.com

Medicare Deductible Changes For 2012

If you have purchased a Medigap policy (Medicare supplement) you are more than likely responsible for less out-of-pocket costs. Medigap Plan A is the only plan that does not pay any of the Part A deductible. Plan K and M pay 50% and Plan L 75% of the Part A deductible. The remaining plans including the most popular, Medicare supplement plan F pay 100% of the Part A deductible.
Source: affordablemedicareplan.com

2012 Medicare deductible is $140

The standard monthly Part B premium rate for 2012 will be $99.90, which is approximately 25% of the expected average total cost of Part B coverage for aged enrollees. The 2011 standard monthly premium rate was $115.40. However, by law, last years premium increase was NOT passed along to most Medicare Part B recipients because another federal law prohibits an increase in the Medicare Part B premium that is more than the increase in Social Security benefits. Because there was no Social Security cost-of-living adjustment last year, the 2011 premium increase was waived for most Medicare recipients.
Source: 4dmed.com

Medicare Premuims and Deductible for 2012

Medicare Part B covers a portion of the cost of physicians’ services, outpatient hospital services, certain home health services, durable medical equipment, and other items. By law, the standard premium is set to cover one-fourth of the average cost of Part B services incurred by beneficiaries aged 65 and over, plus a contingency margin. The contingency margin is an amount to ensure that Part B has sufficient assets and income to (i) cover Part B expenditures during the year, (ii) cover incurred-but-unpaid claims costs at the end of the year, (iii) provide for possible variation between actual and projected costs, and (iv) amortize any surplus assets.  Most of the remaining Part B costs are financed by Federal general revenues.  (In 2012, about $2.9 billion in Part B expenditures will be financed by the fees on manufacturers and importers of brand-name prescription drugs under the Affordable Care Act.)
Source: physiciansadvantage.net

Medicare Premiums and Deductibles for 2012

[…] With a Cost of Living Adjustment (COLA) of 3.6% for Social Security income in 2012 which averages $43 more in monthly income, these Medicare cost changes will not be as painful as anticipated. The COLA allowed the cost to be distributed across all Medicare beneficiaries, not just the ones who will be new to Medicare in 2012 (as in the past 2 years when new premiums were $115.40 and $110.50). Also, surprisingly, the numbers include lower-than-expected use of medical care and spending growth in the Medicare program. Hopefully the Super Committee will notice.Source: retirementeducationplus.com […]
Source: retirementeducationplus.com

In 2012 the United States medicare part B premium will be lower than expected

With a law to freeze medical insurance in part B premium for years time, the beneficiary beneficiary social security benefits cost of living adjustment (COLA) account has been not receive the amount after the increase, most ginseng protect personnel since 2008 a month for the insurance premium of pay part B is only $96.40. In 2012, the ginseng protect personnel to part B of a month for the standard pay insurance premium will improve to $99.90. So for most ginseng protect workers, more than a month pay $3.50. Because of the social security benefits cost of living adjustment, almost all the elderly and people with disabilities will receive an extra income, this will offset afore-mentioned personnel for more than the amount of pay part B. For example, the average retiree COLA for a month about $43, this is better than the above the beneficiary of the affected more than $3.50 in insurance premium to be much higher. In addition, medicare part B, deductible amount will also only $140, 2011 fewer than in $22.
Source: youandmeinsurance.com