North Carolina Medical Society

Posted by:  :  Category: Medicare

Harry Reid, Health Care narrow by Truthout.orgThe Centers for Medicare and Medicaid Services (CMS) will host a National Medicare Provider Call, Tuesday, November 15, 2011, 1:30 pm – 3:00 pm, to discuss the application process for the Medicare Shared Savings Program and the Advance Payment Model. This call-in forum is designed to help providers participate in the Medicare Accountable Care Organizations to improve quality of care for Medicare patients. A question and answer session will follow the presentation.
Source: ncmedsoc.org

Video: Al Crouse & Assoc. Medicare Supplement Insurance, Hickory NC

North Carolina Trial Law Blog: Medicare (CMS) offering new fixed percentage subrogation option for settlements of less than $5,000

The information provided on this blog is of a general legal nature and should not be taken as specific legal advice. No post on this blog creates an attorney client relationship. I’m a NC lawyer, so anything I post applies only to NC. If someone else posts something legal, I can’t take responsibility for what they say. This is all pretty straight forward stuff, but you have to say it if you are a lawyer, right?
Source: nctriallawblog.com

NC Seniors in DC to Fight for Social Security, Medicare

DURHAM, N.C. – Fifty-three North Carolina seniors today are taking a hands-on approach to potential cuts to their Social Security and Medicare benefits. They boarded a bus early this morning for Washington to tell their congressional representatives about the impact cuts would have on their well being. The group is part of nearly 500 seniors on Capitol Hill who intend to share information that half of all Americans age 65 and older earn less than $20,000 a year, according to AARP figures. Helen Featherson, president of the Durham AARP chapter, is on the bus. “If you want to cut, cut someplace else, but don’t balance the budget off the backs of us who are dependent; because we were promised that if you worked, you will get Social Security. ” Under the Budget Control Act, a congressional “super committee” is responsible for trimming $1.5 trillion from the nation’s debt, and changes to Medicare, Social Security and Medicaid could be part of that. If the committee doesn’t reach consensus, automatic cuts take effect in 2013 – and it’s unclear if they will include the three programs. AARP legislative liaison Chip Modlin, 75, of Fayetteville, says Social Security should not be part of the budget debate. “Social Security is something that we earned, we pay into it all of our lives. Social Security hasn’t added one dime to this deficit and it’s not in trouble financially.” According to AARP, half of all Medicare beneficiaries spend at least $3,000 out-of-pocket annually on their health care. The North Carolina group joins seniors from eight other states on Capitol Hill today. AARP says those who couldn’t be part of the bus trip can call 1-888-722-8514 to voice their views.
Source: publicnewsservice.org

Medicare workshop at Trinity Wesleyan

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Source: salisburypost.com

Influenza Surveillance Report

The primary duties of this position will be to diagnose and perform minor and major repairs and performing preventative maintenance on county vehicles. The work requires operations of various test equipment and hand tools in order to perform the work activities assessing needs and completing maintenance records on vehicles. This employee will be subject to h […]
Source: alexandercountync.gov

Madame Defarge: NC Medicare Transfer Confusion: It Does Not Matter That You Sent In Your Palmetto NC Medicare Paperwork Ages Ago

As per the personnel on the phone at Palmetto a moment ago, they have been managing NC Medicare for over 30 days now. However, when you call up the IT – Tech Services arm of the company, make note that of the 8 options, for there is not one referring to ‘NC’ as per that tel number: 1 866 749 4301. So, pick any one of them; I picked the 1st one’ Trailblazers.’ That will take you to an IT person who, if you’re lucky, will tell you that your registration that you just created at the home page in order to access documents to do business w/ Palmetto, ‘does not work’ or there is some problem and that he will ‘send it back to provider services and they should send you an e mail within 24-48 hours.’
Source: blogspot.com

NC Medicare Process For Potential Care

For this purpose they will seek the assistance of NC Medicare even if they may be over the income limit. Some of the medical conditions will have a direct correlation to NC Medicare as to the criteria that a medical board would use to determine likelihood of one receiving a donor organ. If their investment is not likely to have a lasting effect, or even if they went through with the procedure the patient would not be able to benefit from it for long, then they will not be willing to go through with it. At the same time, the gravity of the situation may mean that a beneficiary would receive more aid. Some conditions will only worsen and be much more expensive later on, so Medicare will invest on preventive care to keep the worst from happening.
Source: mediadevelopmentassociates.net

David Post: Don’t touch my Medicare

Why are voters so quick to protect the rich from taxes and not protect the elderly and the poor? Today’s senior citizens are told that these cuts won’t affect them. After all, they vote. At the same time, the steady drumbeat that the young will receive no government retirement or health care benefits is taking hold. The younger they are, the more they believe it and the more they don’t vote. Third, voters think individually rather than collectively as a nation.
Source: salisburypost.com

CMS Announces New Program Integrity Initiatives: More Recoupment Efforts Will be Forthcoming

Part A to Part B Rebilling: The third initiative will allow hospitals to rebill for 90 percent of the Part B payment when a Medicare contractor denies a Part A inpatient short stay claim as not reasonable and necessary due to the hospital billing for the wrong setting.  Currently, when outpatient services are billed as inpatient services, the entire claim is denied in full.   This demonstration will be limited to a representative sample of 380 hospitals nationwide that volunteer to be part of the program. This demonstration will allow hospitals to resubmit claims for 90 percent of the allowable Part B payment when a Medicare Administrative Contractor, Recovery Auditor, or the Comprehensive Error Rate Testing Contractor finds that a Medicare patient met the requirements for Part B services but did not meet the requirements for a Part A inpatient stay.  In addition, this demonstration is expected to lower the appeals rate which will protect the trust fund and reduce hospital burden.   Beneficiaries will be held harmless with respect to changes in hospital coinsurance liability.
Source: rehabcomplianceblog.com

Advice on Medicare and Medicaid from a Wills and Trusts Lawyer in Cary

This website is made available for general information and educational purposes only and should not be construed as legal advice on any subject matter. By using this website or sending an email to the website publisher, you understand that there is no attorney-client relationship between you and the website publisher. The website should not be used as a substitute for competent legal advice from a licensed professional attorney in your state of residence. Any liability that might arise from your use or reliance on this website or any links from this website is expressly disclaimed. This website is not legal advice, is not to be acted on as such, may not be current and is subject to change without notice. Jackie Bedard is licensed to practice law in the State of North Carolina only.
Source: ncwillsandtrusts.com

Choosing Supplemental Health Insurance For Senior Citizens

Posted by:  :  Category: Medicare

Choose Love Over Fear by elycefelizPremiums increase to adjust to inflation and due to the methods used to calculate them. On the first day of January, Medicare benefits are adjusted to keep up with inflation. Because all these insurance benefits are coordinated with Medicare, premiums for supplemental plans will change accordingly.The three different methods used to set premiums are use the attained age, issue age and community rate base. The attained age method premiums rise as you get older. These increases are in addition to those due to the annual adjustments to inflation. The issue age premiums are based on the age at time of purchase. They will not increase with age; but, they will rise to accommodate inflation adjustments. Community rate premiums are the same for those residing in the same geographic area. The optimal policy choice taking this into account would be deciding the benefit combination most suitable, then purchasing by looking at the policy with the lowest premium using the issue-age or community-rate method of calculating the premium.
Source: in-su-rance.com

Video: SHIIP Medicare Part D, Advantage & Supplemental Plans.flv

A Brief But Useful Discussion on Medicare Supplement Insurance Plans

These supplementary insurance policies are sold by the private insurance companies and are under their sole administration. According to the law the private insurance companies can offer only twelve standard Medicare Supplement Insurance Plans, named A through L. each of these plans have their own set of benefits, different from the others. However, almost all of the twelve Medigap policies provide the basic benefits of Medicare part A and B. Therefore it is always recommended to study all the Medigap plans before deciding to choose the one that would fit the best for you. Besides that the fact that should be kept in mind is that, no matter from whatever insurance company you may purchase a particular plan, all of the plans with the same letter cover must provide the same benefits. As for example if you purchase a Medigap plan C policy, it should cover the same benefits without depending on the company that is selling the plan. However, the premium rates may vary for different companies. Therefore you are free to purchase any Medigap policy from the company you like and be sure to get the same benefits provided by the other companies.
Source: ip-hedgefund.com

Choosing Supplemental Health Insurance For Senior Citizens

Premiums increase to adjust to inflation and due to the methods obsolete to calculate them. On the first day of January, Medicare benefits are adjusted to sustain up with inflation. Because all these insurance benefits are coordinated with Medicare, premiums for supplemental plans will change accordingly.The three different methods used to site premiums are exercise the attained age, pronounce age and community rate outrageous. The attained age set premiums rise as you earn older. These increases are in addition to those due to the annual adjustments to inflation. The deny age premiums are based on the age at time of indulge in. They will not increase with age; but, they will rise to accommodate inflation adjustments. Community rate premiums are the same for those residing in the same geographic dwelling. The optimal policy choice taking this into represent would be deciding the support combination most aesthetic, then purchasing by looking at the policy with the lowest premium using the issue-age or community-rate space of calculating the premium.
Source: medicaresupplementalinsurances.org

Medicare Supplement Plans For The Better Advantage of Health Insurance

How? known that the Original Medicare has some gaps that prevent the original Medicare policy to pay for all health services that may be necessary. Therefore, when? original Medicare you need some more help? the Medicare supplement insurance plan or Medigap policies. These plans supplement Medicare supplemental health insurance worked as an assistant along with the original Medicare does not cover the costs. These plans supplement Medicare are sold by private health insurance companies by law and these companies can offer only 12 standard Medigap insurance plans. These plans are named set from A to L. Each of these has a different performance plan. But there are some terms and conditions concerning? Integration plan Medicare. As for example: from 2006, Medigap plans H, I and J, can not? be sold by prescription-drug benefits, although people already? had those policies can keep them. There are several other # circumstances in which the plan can not charge Medicare? be used. As should be obvious to all those who are interested in purchasing Medicare supplement plan? essential that the person willing to have Medigap policies must be under the original plan to get enrolled for Medicare Medigap plans. If you already? the integration plan to have Medicare and you move on to form the original Medicare Medicare Advantage plan then do not? can use the Medigap plan unless you return to the original Medicare. This? much more? essential as integration Medicare plans are designed to work with the Original Medicare alone. However, all plans supplement Medicare covers the basic benefits of Medicare plans A and B. The Medicare plans A and B are considered the most plans? fundamental and therefore the basic benefits of these two plans are included in all Medicare Supplement insurance plans. However, before deciding on the integration plan Medicare to choose for themselves? better for you to go through the bid documents of all Medigap plans, and then select the one that seems to be the most? perfect for you. Another important thing that should be mentioned in this context? that any company? can purchase Medicare supplement plan? linked to the company? to provide the same benefits. For instance, all Plan C policies have the same benefits, no matter which company sells the plan. However, the costs may award? vary. You can also seek the help of some insurance agent to help you select the Medigap policy perfect for you. This? a better idea of ??any insurance agent to help because they are more? aware of the insurance policies of different companies and the premium rates so it can? So always be to your advantage? you can? better understand which plan to choose. Sometimes? often seen that some Medicare plans for integration, even if apparently can not seem to be less profitable? actually save a lot of money in the form of diductables.
Source: spiritofbritain.info

Medigap insurance plans in California

Medigap insurance plans are in general available in 12 plans but all these plans, subject to state and Federal Laws, are not available in all US states. However, while talking about Medigap insurance plans available in California we need to know the basic Medigap plans available here. Medigap California is available in 10 different plans and these are denoted by A to J, in alphabetical order. Under each of the alphabets a different Medigap benefits are available for residents of California. Let’s have a look on the individual plan coverage.
Source: girls-fitness.com

Medigap insurance plan ideas in California an overview

Medigap insurance policies strategies are in general readily available in twelve strategies but all these strategies, matter to state and Federal Laws, are not readily available in all US states. Having said that, though chatting about Medigap insurance policies strategies readily available in California we have to have to know the essential Medigap strategies readily available right here. Medigap California is readily available in ten diverse strategies and these are denoted by A to J, in alphabetical purchase. Below just about every of the alphabets a diverse Medigap benefits are readily available for citizens of California. Let us have a look on the personal approach coverage.
Source: ocioa.org

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

Study: Medicare Changes Would Bring Costs To Many 'Healthy …

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 is Popular : South Carolina Nursing Home Blog

Posted by:  :  Category: Medicare

'The election of Obama would, at a stroke, refresh our country's spirit' by Renegade98“Medicare Part D has reached popularity levels that you seldom, if ever, see from a government program,” said Mary R. Grealy, president of the Healthcare Leadership Council and co-chair of Medicare Today. “Over the last five years of satisfaction surveys, Part D has stayed consistently above an 80 percent approval rating. And given the fact that competition is keeping the program affordable – and that average premiums won’t increase in 2012 – satisfaction should stay very high.”
Source: scnursinghomelaw.com

Video: South Carolina Medicare Advantage Plans

SOUTH CAROLINA Medicare Insurance plans Vs Northeast US ALL Medicare Insurance plans

Lower Medicare insurance Supplement levels, on regular, than in close proximity states (i. orite. Georgia, Florida). Medigap arrange rates listed here are lower rather than most in close proximity states, and drastically below they are typically in most Northeast declares. Often, individuals move to SC find that they get Medicare insurance Supplement protection for less each and every month than the pair were paying meant for Medicare Benefits coverage to their former talk about. Loss of well-developed network-based packages. Many those who relocate for you to SC on the North are really familiar with the help of Medicare Benefits plans, like HMO and PPO packages. This is definitely the privatized rendition of Medicare insurance. However, these plans commonly are not as preferred in Sc because sanctioned fairly outlying state. The networking sites for Best Medicare Supplement plans commonly are not as developed with SC and a fewer number of doctors/hospitals do the packages. While you move for you to SC, you routinely have a ‘guaranteed issue’ period to sign up in the Medicare Supplement of your respective choice or possibly a South Carolina Medicare insurance Advantage arrange. The timeframe, in a large number of cases, might be 63 days or weeks, so you have got to be prepared before your push and operate quickly, but developing this surefire issue interval does steer clear of you as a result of paying much more for insurance in accordance with your present health situation (or becoming denied protection altogether).
Source: sacramentovideomarketing.com

EHEALTH, INC. : eHealth Technology Now Powering Online Medicare Supplement …

The IHC Group is an organization of insurance carriers, managing general underwriters, third-party administrators and marketing affiliates that has been providing health, life, disability, dental, vision and medical stop-loss insurance solutions to groups and individuals for almost 30 years. With over $1.3 billion in assets, members of The IHC Group include Independence Holding Company (NYSE: IHC), American Independence Corp. (NASDAQ: AMIC), Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American Insurance Company. Each insurance carrier in The IHC Group has a financial strength rating of A- (Excellent) from A.M. Best Company, Inc., a widely recognized rating bureau that rates insurance companies on their relative financial strength and capability to meet policyholder obligations. Collectively, the companies in The IHC Group provide insurance coverage to more than one million individuals and groups. For more information about The IHC Group, visit www.ihcgroup.com. Madison National Life, Standard Security Life, and the IHC Group are not connected with or endorsed by the U.S. Government or the federal Medicare program.
Source: theinsurancepress.com

Do you need your South Carolina Social Security Benefits?

These cases often take two years or longer to reach a conclusion. Having an attorney at each phase will help you present your best case before the Administrative Law Judge. If you prevail, you will be paid the same amount of money you would receive onceyou reached retirement age, and began receiving full Social Security retirement benefits. If approved to receive disability benefits, you will also be entitled to Medicare coverage. There is a waiting period before your Medicare coverage takes effect. Please contact the Joye Law Firm by calling (888)324-3100 for further information, or complete the claim form on this website.
Source: south-carolina-attorneys.net

Health Insurance South Carolina And Its Importance For Senior Citizens : starhealt.com

Hello friends! This is Ronald Tucker writing to you from the great state of South Carolina. It is important for us senior citizens to get a good health insurance South Carolina policy today. As we get older in age, it becomes more likely that we will need a health insurance South Carolina policy to protect us. A good health insurance South Carolina policy protects us from unreasonably high costs of seeking medical treatment. If you get sick or hurt and need medical treatment, you will be happy that you have a good health insurance South Carolina policy in your corner. If you are a senior citizen, a person over the age of sixty-five, there are a number of options available for you to purchase a health insurance South Carolina policy to protect yourself. Hopefully, if you are sixty-five or older, you are already retired and no longer have a full time employer from whom to purchase a health insurance South Carolina policy. If this is the case, you will want to explore the different health insurance South Carolina policy options available to you through the United States federal government program called Medicare. This article will explore this great federal government program and how it can help you get a health insurance South Carolina policy.
Source: starhealt.com

SOUTH CAROLINA Medicare Insurance coverage Vs Northeast USA Medicare Insurance coverage

Medicare Health supplement Plans Medicare Supplemental Health Insurance best sort of health insurance for sale to seniors older than 65. Individuals purchase most of these plans may visit every doctor, healthcare facility, or specialist and they sometimes pay almost nothing or almost nothing for most of these services. The exclusively problem with the help of Medicare Health supplement Plans will be companies just who offer such a insurance currently have underwriting specifications, which makes it tough that will qualify if you have had pre-existing disorders. Using certain issue guidelines to find one of those plans tends to make a big difference in the grade of care you get and your current out-of-pocket expenditures for healthcare facility and medical professional services.
Source: proforexreview.com

Clyburn at odds with fellow Democrats over Medicare cuts

Some Republican aides on Capitol Hill say Clyburn and perhaps one or two of the other House Democrats on the panel — Reps. Chris Van Hollen of Maryland and Xavier Becerra of California — secretly want the supercommittee to fail to reach an accord, so that half the automatic cuts the law requires would fall on defense programs while Medicare and Social Security would remain exempt.
Source: centredaily.com

Clyburn at odds with fellow Democrats over Medicare cuts

JOIN THE DISCUSSION We welcome comments. To post one, you must sign in using either your McClatchyDC login or your login for Facebook, Twitter or Disqus. Just click the appropriate box below. Please keep your comment civil, short and to the point. Obscene, profane, abusive and off topic comments will be deleted. Repeat offenders will be blocked. If you find a comment abusive or inappropriate, please flag it for the moderator by placing your cursor on the comment, then clicking the “flag” link that appears. Thanks for your participation.
Source: mcclatchydc.com

Cain has slight lead over Romney in new SC poll

In addition, the AARP poll found 68.5 percent oppose cutting Social Security and 70.5 percent oppose cutting Medicare to balance the budget. AARP says almost 600,000 South Carolina seniors received Social Security in 2010, accounting for nearly 63 percent of seniors’ income. More than 99 percent of South Carolina seniors are enrolled in Medicare.
Source: southcarolina-news.info

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Posted by:  :  Category: Medicare

OBAMAS DEATH PANEL------ GUESS WHAT FOLKS IT'S ALIVE AND WELL---"CRAZY PALIN" NOT SO CRAZY NOW by SS&SSHealth is a branch of dealing with issues. The Jun 27, 2006. care economics: Diseases are too profitable to prevent or cure.. but this Policy and Law serves as a forum for scholarship on health Journal Locate articles and query publisher details.. This This page is part of the education site, led by the. Health Research by Knowledge@Wharton, the online business Oct 13, 2009. Please use one of the following formats to cite this in your essay, paper or Jun 24, 2009. Policy and Law is international in scope, publishes both CONCLUSIONS: Quality scores of economic analyses articles published The European Journal of Health is a highly scientific and at the same Oct 20, 2011. economists offer new decision framework for NICE. A new decision He has published articles in the Journal of Affairs, and Articles in Economics Review should be cited in the same way as.
Source: youhealthtips.info

Video: “Fighting Draconian Cuts to Medicare in Oregon”

Cornilles attacks Bonamici as Oregon’s congressional special election enters new phase

FOR IMMEDIATE RELEASE 11.9.2011 REMARKS AS PREPARED FOR DELIVERY For far too long Oregon’s First District has been “The Forgotten District.” But starting today – as the eyes of the country turn to this Special Election – you’re going to help them discover that Northwest Oregon is home to: Great communities with strong, civic-minded families… Schools and universities with committed teachers… Innovative companies that drive this state’s economy… Fisheries, forests, and farmland that provide sustainable jobs… And ports that help us share our goods with the rest of the world… This beautiful part of Oregon – from Astoria to Sherwood, St. Helens to Hillsboro, and Portland to McMinnville – and the great people that live here, have much to be proud of. But there is one thing that does not instill confidence in our people right now: our federal government. Once a source of great pride, Washington, DC seems more and more distant to those of us – like me — who grew up here, maybe raised a family here, or built a business and created jobs here. It’s become a place where the well-connected spend money on lobbyists to rig the system against the middle-class. It’s a place that racks up a mountain of debt for our children while seeking to micro-manage our entrepreneurs and schools. A great people are being held back by a broken and out-of-touch government 3,000 miles away. In this dynamic place we call home, too many moms and dads are out of work. Young people struggle to start careers. Business owners face the prospects of higher taxes and mounds of paperwork. And today’s class of lawyers-turned-career politicians are unwilling and ill-equipped to solve problems. This election – as we look ahead to the next 84 days – comes down to one question: Do we want to change course and make things better, or do we want more of the same? “More of the same” is having another Representative for the First District beholden to those who’ve boosted her to the next rung on the political career ladder. During the primary, you may have heard I took a lot of heat for refusing to sign pledges written by DC insiders. I’m an independent thinker. In case you’re wondering, I’m not running for John Boehner. I’m not even running for a party; I’m running for a people. I’m running for: Connie, a café owner in Forest Grove, who says she needs relief from high taxes so she can hire more people. I’m running for Darlene, a hair stylist in King City, who tells me she wants a Representative who knows what it’s like to start a small business. I’m running for Joan and Wayne of Tigard, who want to be sure Social Security and Medicare will continue to be there for them in their golden years. Rather than going with the flow, I prefer taking a different course for the people of the First District. And today I make a commitment to Connie and Darlene and Joan and Wayne – and you. It’s called The Cornilles Commitment: First, I will be loyal to the people of Oregon, not Washington, DC. Second, I will honor the promises made to seniors through the benefits they’ve earned over a lifetime of work. Third, I will put the interests of Oregon above the interests of any political party. And fourth, I will raise your expectations of what a Member of the United States Congress should be. Some will cynically ask, “Don’t all politicians say that?” You bet they do! That’s why we don’t need more “politicians.” I stand before you as a 47-year-old business owner and father of three who, until recently, had no aspirations for public office. But over the years, I’ve been inspired by watching Oregon public servants like Mark Hatfield, Tom McCall, and Vic Atiyeh, known for their independence and effectiveness. Now, I’m motivated to follow their lead in showing this country what Oregon can do. The first Cornilles Commitment is to be loyal to Oregonians. It’s time we have a representative that trusts Oregonians to create jobs, not the politicians in Washington, D.C. How do we do that? By giving Oregonians more freedom and opportunity to create, invent, and prosper for themselves, their families, and their communities. We can unshackle Oregonians by overhauling and simplifying our tax code. It’s 10,000 pages of special perks that allows the powerful and well-heeled to avoid taxes, while sticking Oregon’s small businesses and their workers with the bill. My opponent, Senator Bonamici, raised taxes and fees on Oregonians more than 50 times in just five years while a member of the Oregon Legislature. And she’s not done. Now, when Oregonians are struggling to create or find jobs, she wants to raise taxes in a broken system — without reforming it. Does she think it’s right that last year General Electric made $14 billion and paid zero federal income tax? Does anybody think those with friends in high places will pay taxes as long as there are loopholes to help avoid it? Not a chance! Lawyer-turned-Senator Bonamici may defend a broken system that concentrates power in Washington, DC, but I want to fix it! I will work to eliminate tax breaks for the well-connected…lower rates across the board…and trust Oregonians to make investment decisions based on what’s best for job creation and our economy. I ask you: Are you ready to change our tax system so Oregonians can create jobs here at home? Next, I will honor the commitments we’ve made to Oregon seniors. I’ve said it many times before, and I’m happy to say it again: I oppose the privatization of Social Security. Period. People have paid into this retirement program throughout their working life and should receive their promised retirement income. I’m equally committed to protect the Medicare program, and make sure we have a strong system of health care for seniors. Senator Bonamici says she supports the $500 billion cut to Medicare passed last year, which will come largely out of a program called Medicare Advantage. Yet, this year, 254,000 Oregon seniors have chosen Medicare Advantage because they felt it was a better plan for them. Believe it or not, Senator Bonamici, who doesn’t support Medicare choice, wants to put everybody in a public-only plan. According to Medicare’s own Chief Actuary, Senator Bonamici’s Medicare cut will force half of the Oregon seniors in Medicare Advantage into the public-only plan. As a state legislator, Senator Bonamici gets a choice in health care. Why not seniors? I ask you: are you ready to stop this assault on seniors’ choice? Next, I will put the interests of Oregonians ahead of any political party, even my own. For the last 16 years, I’ve been a small business owner. Allison and I, using the spare bedroom in our home and dipping into our savings account, dreamed of building something here in our home state. As any small business owner will tell you, every day is an exercise in working together and solving problems. People have asked – since I’ve never held office – what prepares me for Congress? Well, what makes anyone think another long-time politician, who’s never created a job, knows anything about growing the economy? If all Washington, DC needed were more people who’ve held public office, we’d be riding high right now. But instead, DC is full of people who’ve held office for years. How’s that working out for us? I am especially prepared to serve in Congress because I learned one very important lesson as a small business owner: putting your finger in the wind or avoiding tough decisions is not leadership. Senator Bonamici claims she’s “bipartisan” because she helped redraw district boundaries for elections. How fitting that a politician, while preparing to run for Congress herself, would think it’s an accomplishment to create safe legislative districts for her political friends. And while in Salem, Senator Bonamici voted with the majority of her party 98 percent of the time. 98 percent! She has a more partisan voting record than David Wu. We don’t need more of the same. Voting 98 percent of the time with your party is not leadership; it’s button pushing. Whether you’re Republican, Independent, or Democrat, I want you to know that I could not vote with my party 98% of the time and still consider myself a true “representative” for Oregon. Whether you’re Republican, Independent, or Democrat, I want you to know that I can’t support a broken tax system that favors mega-corporations and well-connected insiders over our small businesses. Whether you’re Republican, Independent, or Democrat, I want you to know that I won’t support a system that wastes your hard-earned tax dollars on fraudulent and corrupt spending while our national debt continues to multiply. Ladies and gentlemen, Washington, DC is filled with typical politicians who moved up the career ladder to Congress. We don’t need one more. It’s time to think differently. It’s time to ask what is best – not for a party or a politician – but for Oregon. Which of us, Senator Bonamici or me, do you believe will stand up and stand out in advocating for this outstanding district? As I shared with you earlier, the Fourth Cornilles Commitment is to raise Oregonians’ expectations of what a Member of the United States Congress should be. Will you do that today, right now? Will you raise your expectations? In these next 84 days, as you look at this race, will you challenge everyone you talk to, to do the same? Raise your expectations! The First Congressional District of Oregon is without a doubt the BEST district in the country. Yet, David Wu and those who covered for him by putting party before the public’s interest have given us the worst possible congressional representation: none. Senator Bonamici is part of the very political establishment that enabled David Wu and covered up his offensive behavior. Now that Establishment is doing whatever it takes to put her in Congress. But thankfully, voters of the First District get to make that decision. We don’t need more of the same; our children don’t deserve more of the same; and our state can’t afford more of the same. This is our chance to move in a new direction. And it’s my commitment to you to be loyal to Oregon, to protect our seniors, to put progress above party, and to raise your expectations of what a Member of Congress should be. Are you ready for a new direction? Washington, DC hasn’t enacted a budget in three years. Are you ready to send a small business owner to Congress who knows how to manage a budget? Who’s successfully met a payroll for 193 straight months? Who will go to Washington to solve problems, not play politics? Is Oregon ready for a new kind of Representative? Then I ask for your support. Let’s get to work!
Source: oregonlive.com

Oregon Humane Society Doggie Dash

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Source: insureduck.com

Oregon medicare plan statutory financial statements

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Source: typepad.com

Oregon warns seniors of Medicare rebate scam

Kroger advised potential rebate recipients to not give out any personal information regarding the rebate check and to remember that the rebate is tax-free, requires no additional forms or information (such as Social Security numbers, bank account numbers, or Medicare information), and will be sent automatically to qualified recipients.
Source: lifehealthpro.com

Your guide to Medicare decision time, one month early

Use Medicare.gov or see a volunteer for help. The government’s online Plan Finder is a wonder drug in this operation. It’s fairly easy to use. Plug in your ZIP code, answer a couple of questions, type in the list of drugs you take and identify your preferred pharmacy. The website will then spit out good estimates of what your out-of-pocket costs will be under each plan available in your county. If you’re not comfortable online, or you find the site confusing, a volunteer can help you navigate. Be sure to look at the accompanying chart for ways to make an appointment with a trained Senior Health Insurance Benefits Assistance counselor. Be wary of paying for gap coverage. Average monthly premiums for such plans are more than double those plans offering little or no gap coverage, the Kaiser Family Foundation says. Yet in many cases, the coverage is only slightly better than what federal health reform requires. For instance, the co-pays in Humana’s Enhanced PDP drug plan double for the “few” generic drugs the plan covers in the gap, the foundation says. Some generic drugs cost less than the plan’s $16 co-pay, making the more expensive premiums of questionable value. “It’s not necessarily a better deal for people,” said Juliette Cubanski, the foundation’s associate director for Medicare policy. “It really depends on the specific drugs that the individual is taking and whether the plan actually offers gap coverage for those specific drugs.” Take advantage of low-income help. Singles making less than $16,355 and couples making less than $22,065 most likely qualify for help paying for drug costs. The coverage gap disappears, and deductibles, premiums and co-pays will be lower or nothing. You can apply for assistance through the Social Security Administration, 800-772-1213 or ssa.gov. You can also contact Oregon SHIBA for help at 800-722-4134. Your second chances are limited. Once Dec. 7 passes, most enrollees won’t have a chance to switch plans until next October. But there’s a new option this year. Beginning Dec. 8, if you’re in a plan rated lower than five stars, you can switch into any plan with a five-star overall rating, said Lisa Emerson, program manager for Oregon SHIBA. It’s a way of rewarding plans with the highest overall quality, she said, and it’s available once through Nov. 30, 2012. Unfortunately, Medicare wasn’t ready to release ratings in time for this story. They should be available at medicare.gov starting Wednesday. Also, between Jan. 1 and Valentine’s Day, you have one chance to drop your Medicare Advantage plan and revert to Original Medicare Parts A and B, Emerson said. As you do this, you can also enroll in a stand-alone Part D drug plan, Emerson said. — Brent Hunsberger; 503-221-8359
Source: oregonlive.com

Medicare Supplemental Insurance and Medicare Advantage Plans in Oregon

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Source: medicaresupplementadvantageplans.com

COULD OREGON SAVE MEDICARE?

What has not been discussed is the savings that could be made by reducing the enormous regional differences in the cost of providing care. Last year, the 1/5 of states that had the lowest cost per Medicare beneficiary were 52% cheaper than the 1/5 of states that spent the most per beneficiary. Since many of the high cost states (CA, FL, TX, IL, MA, MI, NJ, NY) also have large Medicare populations, reducing costs within those states alone could potentially save Medicare. Over the past several decades, Oregon has consistently ranked in the bottom 5 to 10% in cost per Medicare beneficiary. The fact that many retirees from California move to Oregon to retire BECAUSE of the quality of medical care is a testament to the fact that quality has not been sacrificed by our efficiencies.
Source: americansforhealthcare.info

Forget HMOs And ACOs, Oregon Is Pushing CCOs To Save Medicaid

While the Oregon legislature earlier this year approved the formation of CCOs, the state needs federal approval to go ahead, because it would involve so-called “dual eligibles” – people who receive Medicaid and Medicare.  This group comprises only a small percent of Medicaid enrollees but accounts for a large part of the costs of the program. While states can require Medicaid recipients to join certain types of managed care networks, federal law prohibits that for Medicare enrollees.
Source: kaiserhealthnews.org

Medicare Dental and Vision Positive aspects

Posted by:  :  Category: Medicare

1pic1thoughtinAug 16 spinach for brains by KatieTTOne particular of the significant conditions with regards to dental insurance for men and women is that a massive number of individuals are not mindful of it. Even if individuals are mindful, they think that their dental wellbeing is very good sufficient and obtaining a dental insurance is waste of cash. On the other hand, there are individuals who are mindful of dental insurance and take out the policy and benefit from it. If we look from the eyes of the individuals who are well mindful of dental wellbeing care and the value of dental insurance, we will be in a position to know how we can benefit from it.
Source: geneseeboys.com

Video: Medicare Blues

What Makes The Top Dental Insurance?

1 of the important difficulties with regards to dental insurance for individuals is that a considerable quantity of people today are not mindful of it. Even if people today are mindful, they think that their dental wellness is effective adequate and acquiring a dental insurance is waste of dough. On the other hand, there are people today who are mindful of dental insurance and take out the policy and benefit from it. If we appear from the eyes of the people today who are very well mindful of dental wellness care and the value of dental insurance, we will be ready to know how we can benefit from it.
Source: bestmediamarketing.com

Budget friendly Dental Insurance For Men and women

What tends to make the most desirable dental insurance will vary from a single individual to yet another depending on what they want to get from the cover and the expense of the policy itself. There are a quantity of distinct types of dental plans and insurance attainable on the market place in the present day so initially we will have a look at how dental insurance and dental plans differ. Dental Insurance is like any other insurance policy you take out, in that you will pay for a policy (yearly or monthly) which covers either partially or in complete the expense of several remedies. They will vary from corporation to corporation but the principal often remains the similar. A dental strategy on the other hand supplies discounts on specified remedies in return for a membership fee. Standard insurance will have a tendency to cover the significantly more frequent remedies inside a dentist and if it covers the type of therapy you count on to have in the future then it could possibly be the most desirable dental insurance for you. However, in some circumstances the frequent dental therapy could possibly not be what you’re looking for and rather you have some thing slightly distinct. A couple of examples of this, each of which are gaining in recognition year on year are Othodontic insurance and dental implant insurance. Othodontic insurance covers do the job which possibly carried out to straighten the teeth. As this is observed by the insurance suppliers as currently being a personnel choice, a common dental insurance policy won’t have a tendency to cover the expense. The most frequent type of Orthodontic therapy is the fitting of a brace on the teeth to gently push them back into place. Over the final decade or so significantly more and significantly more suppliers have offered insurance policies to cover this type of do the job Dental implant insurance has also grow to be significantly more well-liked more than the final handful of years as significantly more and significantly more people today look to cover this kind of costly dental therapy. Acquiring implants involves replacing the root of the tooth which is anchored into the jaw bone. This allows the implant to support either a fixed bridge or a denture. As you can see which is the most desirable dental insurance attainable will differ from individual to individual as the choice out there is so varied. The remedies covered and the expense have to be taken into account when deciding which policy will be most desirable, but also you shouldn’t forget other things this kind of as complete coverage and waiting intervals which could possibly have to be adhered to prior to any claim can be produced. Does Medicare Cover Dental and Vision? Medicare is the US wellness insurance strategy for seniors and disabled people today. It supplies simple medical coverage, and it extremely assists our seniors and disabled pay for wellness care. But authentic Medicare does not pay for every thing, and dental or vision positive aspects are quite limited. Program care, like checkups, fillings, and glasses, are not in most cases covered. Solutions could possibly be covered if they are linked with a medical difficulty like an illness or injury. For instance, Medicare could possibly pay for a hospital remain in the case of a complex dental process. But it could possibly not cover the real dental do the job. For yet another instance, Medicare does not in most cases cover eyeglasses or contacts. However, it will pay just after intraocular lens cataract surgery. Does this sound complex? Well, it can be really hard to understand when solutions will be covered and when they won’t be. In any case, even covered solutions could possibly call for a deductible and copayments, so a patient is probably to have out of pocket expenses if they have authentic Medicare. The solution is even significantly more complicated if the benificiary has other positive aspects. Some Medicare Advantage (MA) plans, for instance, do cover some routine dental do the job. Other people today could possibly have extra coverage by way of a retirement wellness insurance strategy. But most covered people today, even with supplements or MA plans, do not have extra dental and vision positive aspects. So some beneficiaries could possibly have covered solutions, even though some do not. How do you know what positive aspects you are entitled to? Medicare.gov is a great resource. This internet site, run by CMS (Center for Medicare and Medicaid) genuinely answers quite a few inquiries like this. You can also look up information on Medicare Advantage plans. If you have difficulty making use of the internet site, they also produce a 1-800 contact cell phone quantity and e-mail deal with. If you are a beneficiary, or care for a single, you must grow to be familiar with this internet site! One other great resource would be your supplemental wellness insurance corporation. Call the consumer service quantity and ask. MA plans, medi-gap wellness insurance, and retirement positive aspects will all be run by private suppliers. If you want to look for solutions you can call to make certain they will be approved. What if a Medicare Beneficiary has No Coverage We are all concerned with our eyesight and teeth. But these solutions can be pricy. It could possibly be time to discover some options prior to you have an emergency have. Dental Insurance – I am not shocked to see a great deal of dental insurance that is currently being marketed to seniors. Hold in thoughts that not all solutions will be covered, and you are probably to have deductibles, copays, and yearly maximums that are specified in any policy. The coverage can aid you strategy for costs, but is not probably to absolutely eradicate all expenses. Dental Discount Plans – These are not insurance plans, but permit members to access networks of service providers who agree to discount solutions. This is related to the negotiated price tag benefit linked with some PPO or HMO wellness insurance or dental insurance plans. Even while discount plans do not genuinely pay for solutions, they can aid members save a great deal of funds. Some also consist of vision networks. Community or Government Dental and Vision Care – I have observed advertisements for dental clinics, ad even mobile dental care vans, at regional neighborhood centers. A great many church or neighborhood sponsored centers will have information on diminished fee clinics for seniors, disabled people today, or other individuals with low revenue. The federal government, state, or county could possibly also run diminished fee clinics in some areas. Your regional wellness and human sources offices must have information. There is aid out there for older people today, but it can take some digging to find it. One of the significant complications with regards to dental insurance for individuals is that a substantial quantity of people today are not conscious of it. Even if people today are conscious, they feel that their dental wellness is great enough and getting a dental insurance is waste of funds. On the other hand, there are people today who are conscious of dental insurance and take out the policy and benefit from it. If we look from the eyes of the people today who are nicely conscious of dental wellness care and the significance of dental insurance, we will be capable to know how we can benefit from it. Dental Insurance is not pricy. It works pretty a great deal the similar way as most other wellness insurance plans. These days, there are quite a few suppliers which produce Dental Insurance for individuals. Acquiring a dental insurance in today’s date is tremendously important due to the fact the expense of wellness care is growing steadily and dental wellness care is no exception. Totally different types of insurance plans cover distinct elements. However, there are specified clauses which continue to be consistent in all policies. Take for instance, all the policies attainable from distinct providers cover only two cleanings per year. Depending on your dental wellness, you can determine which type of insurance you would like to opt in for. The expense of individual strategy is a single of the significant considerations at the time of choosing a suitable strategy. If you are looking for an reasonably priced dental insurance strategy, then it is important that you consult with your dentist prior to choosing a policy. Your dentist will be capable to brief you relating to the overall situation of your teeth and gums and also advice you relating to the type of policy you must go for. Insurance suppliers critique their plans annually and your insurance strategy will be valid for a single year only. Depending on the increasing expense of dental care, your insurance corporation could possibly add or eliminate specified solutions offered to you every single year. For this explanation, it is also important for you to opt for only what is suitable for you individual desires. At the end of the year, if you are not subject material with the changes in the policy, you can generally look for yet another dental insurance provider. What is covered in your strategy and what is not will generally depend on the premium you pay. The greater you pay, the significantly more solutions you will be eligible for. To make your strategy reasonably priced, you can opt for which solutions you have and which you will not call for. Placing your requirements prior to the insurance broker will aid them opt for a strategy that is suitable for you. If you call for simple Dental Insurance you will get it at a quite reasonably priced rate. However, if you want to go for extra solutions, you will have to pay slightly greater premium. Furthermore, don’t just opt for any dental wellness insurance quote that you come across. Take your time and determine. Have at least three solutions prior to you make the final choice. This will aid you find a deal that is reasonably priced and at the similar time suitable for your individual desires. http://bestdentalinsurance.blogspot.com/
Source: fullproducts.org

Medicare Dental and Vision Positive aspects

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Source: namthemovie.com

The Proper Way To Maintain Good Dental Health

The most effective way to clean your teeth is as follows : one Place the head of your toothbrush against the teeth and tilt the bristles at a forty five degree angle against the gum line. Move the brush in small circular movements, numerous times on all of the surfaces of each tooth. 2 Brush the outer surfaces of each tooth, upper and lower, keeping the bristles angled against the gum line. Three Use the same methodology on the inside surfaces of all your teeth. Four Brush the biting surfaces of the teeth five To clean the inside surfaces of the front teeth, lean the brush vertically and make a few tiny circular strokes with the front part of the brush. 6 Cleaning your tongue will help freshen up your breath and will clean your mouth by removing bacteria.
Source: dentalplaqueblog.com

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

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

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Source: toothcrown.info

Average cost for upper denture

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

The Morning Drill: November 14, 2011

Good morning! A collection of dentistry and health related links/comments for your day. Supreme Court will hear health care case this termThe Supreme Court said Monday it will hear arguments next March over President Barack Obama’s health care overhaul, accepting a case that could rival the historic Bush v. Gore ruling in shaking the political landscape. The decision to hear arguments in the spring allows plenty of time for a decision in late June, just over four months before Election Day. This sets up an election-year showdown over the White House’s main domestic policy achievement. The justices announced they will hear more than five hours of arguments from lawyers on the constitutionality of a provision at the heart of the law, the requirement that individuals buy health insurance starting in 2014 or pay a penalty, and other related questions about the act. The White House said "we are pleased that the court has agreed to hear this case." "We know the Affordable Care Act is constitutional and are confident the Supreme Court will agree," communications director Dan Pfeiffer said in a statement. Republicans have called the Patient Protection and Affordable Care Act unconstitutional since before Obama signed it into law in March 2010. But federal appeals courts have been split on their assessment. The high court’s 5-4 decision in the Bush v. Gore case nearly 11 years ago effectively sealed George W. Bush’s 2000 presidential election victory. Professional Dental Cleanings May Reduce Risk of Heart Attack, StrokeProfessional tooth scaling was associated with fewer heart attacks and strokes in a study (Abstract 17704) from Taiwan presented at the American Heart Association’s Scientific Sessions 2011. Among more than 100,000 people, those who had their teeth scraped and cleaned (tooth scaling) by a dentist or dental hygienist had a 24 percent lower risk of heart attack and 13 percent lower risk of stroke compared to those who had never had a dental cleaning. The participants were followed for an average of seven years. Scientists considered tooth scaling frequent if it occurred at least twice or more in two years; occasional tooth scaling was once or less in two years. The study included more than 51,000 adults who had received at least one full or partial tooth scaling and a similar number of people matched with gender and health conditions who had no tooth scaling. None of the participants had a history of heart attack or stroke at the beginning of the study. The study didn’t adjust for heart attack and stroke risk factors — such as weight, smoking and race — that weren’t included in the Taiwan National Health insurance data base, the source of the information used in the analysis. "Protection from heart disease and stroke was more pronounced in participants who got tooth scaling at least once a year," said Emily (Zu-Yin) Chen, M.D., cardiology fellow at the Veterans General Hospital in Taipei, Taiwan. Professional tooth scaling appears to reduce inflammation-causing bacterial growth that can lead to heart disease or stroke, she said. Texas Medicaid problems may apply nationwideClaims procedures discovered in a News 8 investigation of the Texas Medicaid Dental program may apply to the whole country, because of the payment process employed by a major government contractor. In a series of investigative reports over the last several months, News 8 discovered hundreds of millions of dollars in Medicaid billing for orthodontics. Now it appears the problems, which have triggered a federal audit, may be linked as much to the way the claims are approved, as they are to the individual dentists involved. It turns out that the claims examiners are paid by quantity, and not necessarily quality, under a program called Activity Based Compensation, or ABC. The more claims they process, the more money they make, creating a strong incentive not to take too much time with each one. "Your tax dollars aren’t working," said a former claims specialist, one of several News 8 has interviewed. "You’re paying for [dental] services that shouldn’t be paid for." Texas paid out $184 million in Medicaid dental claims last year, as much as the rest of the nation combined. New California Medicaid cuts may affect kids’ dental servicesIn 2009, some 3 million adults in California lost their Medicaid dental benefits as the state struggled to close a severe budget gap. Now many of the state’s poorest children are facing potential cutbacks in Medicaid dental services as well. On October 27, the U.S. Centers for Medicare and Medicaid Services (CMS) approved a state proposal to reduce Medi-Cal provider reimbursements by 10% in the 2012 fiscal year, retroactive to June 1, 2011. The rate reductions were authorized by California Assembly Bill 97, which was signed by Gov. Jerry Brown in June and required federal approval of all Medi-Cal budget reductions prior to implementation. The cuts, which will save the state $623 million, would impact outpatient services for physicians, dentists, clinics, optometrists, medical equipment, laboratories, and pharmacies. California spends $14 billion annually on the Medi-Cal program.
Source: mydentalforum.com

Exactly What Is Medigap Insurance?

Posted by:  :  Category: Medicare

wordy informative signage by damian mMost people do not realize that not all states carry all Medicare gap insurance converges. It is distinguished that you know what policies are covered in your particular dwelling. It is also to your advantage to derive gap insurance during begin enrollment. This period starts on the first month you turn 65 years of age, and enroll in Medicare allotment B. This period of enrollment lasts for six months. During this period insurance companies are not allowed to protest you coverage, and they cannot postpone your coverage.
Source: medicaresupplementalinsurances.org

Video: Avoiding the coverage gap on Medicare Part D

CMS Guidance on Medicare Part D Coverage Gap Discount Program, Cost

Medicare Part D Coverage Gap Discount Program issues. Specifically, in an October 28, 2011 memo to plan sponsors and drug manufacturers, CMS discusses its policies regarding invoicing manufacturers for certain low-volume claims, Electronic Fund Transfer requirements for discount payments, and changes to the appeals timeline after an unfavorable third party administrator determination or expiration of the dispute resolution timeframe. Separately, CMS has issued a memo to states on implementation of
Source: healthindustrywashingtonwatch.com

Iselin Times: I’ve got so much to learn about finances!

 I guess that shouldn’t be a surprise. I’ve been talking to my Mom and Dad, who are retired, and I’ve realized that I have no understanding of what kind of things I need to prepare for retirement.  It seems like it’s SOOO far in the future.  But it’s really not; time flies so quickly.  And I’m certainly not going to be able to learn it all at once, right?  So I want to start understanding it now, a little at a time. Today Mom and I talked about health insurance stuff, and I learned a little bit about Medicare and insurance. You might already know all this; but if you are not of retirement age, maybe you don’t understand it yet either. For example… do you know the difference between Medicare and Medicaid?  I didn’t, until I started looking it up.  Medicare is a federal program that you apply for at the local Social Security Office, and it is for people who are either 65 and over, or for people who are permanently disabled  and can’t work.   Medicaid, on the other hand, is a state program for low-income people who qualify. There’s different parts of Medicare coverage; you can learn a lot about it by clicking on this link to the Open Enrollment center.  There is Medicare part A, which is Hospital Insurance, and there is Medicare part B, which is Medical Coverage – for Doctors and things.  And there’s a Medicare part D, which is for prescription drugs.  The medicare covers about 80% of the bills; and then there is Medicare Supplemental Coverage, also known as Medicare Gap Coverage, which covers the stuff that Medicare doesn’t cover.  I plan on trying to learn more about this
Source: iselintimes.com

A Brief But Useful Discussion on Medicare Supplement Insurance Plans

These supplementary insurance policies are sold by the private insurance companies and are under their sole administration. According to the law the private insurance companies can offer only twelve standard Medicare Supplement Insurance Plans, named A through L. each of these plans have their own set of benefits, different from the others. However, almost all of the twelve Medigap policies provide the basic benefits of Medicare part A and B. Therefore it is always recommended to study all the Medigap plans before deciding to choose the one that would fit the best for you. Besides that the fact that should be kept in mind is that, no matter from whatever insurance company you may purchase a particular plan, all of the plans with the same letter cover must provide the same benefits. As for example if you purchase a Medigap plan C policy, it should cover the same benefits without depending on the company that is selling the plan. However, the premium rates may vary for different companies. Therefore you are free to purchase any Medigap policy from the company you like and be sure to get the same benefits provided by the other companies.
Source: ip-hedgefund.com

Choosing Supplemental Health Insurance For Senior Citizens

Premiums increase to adjust to inflation and due to the methods used to calculate them. On the first day of January, Medicare benefits are adjusted to keep up with inflation. Because all these insurance benefits are coordinated with Medicare, premiums for supplemental plans will change accordingly.The three different methods used to set premiums are use the attained age, issue age and community rate base. The attained age method premiums rise as you get older. These increases are in addition to those due to the annual adjustments to inflation. The issue age premiums are based on the age at time of purchase. They will not increase with age; but, they will rise to accommodate inflation adjustments. Community rate premiums are the same for those residing in the same geographic area. The optimal policy choice taking this into account would be deciding the benefit combination most suitable, then purchasing by looking at the policy with the lowest premium using the issue-age or community-rate method of calculating the premium.
Source: in-su-rance.com

Medicare Part D Plan Ratings and Reviews Posted on MedicareDrugPlans.com to Help Seniors During Open Enrollment

“To choose the best Medicare Part D plan, it’s important to look at how satisfied others are with that plan, in addition to checking plan costs and benefits,” said Tod Cooperman, M.D., President of PharmacyChecker.com, which runs the MedicareDrugPlans.com website. MedicareDrugPlans.com shows how satisfied plan members are with the overall plan and with key aspects: customer service, the choice of drugs (formulary), plan costs, the ease of using the plan, and information provided by the plan.
Source: laurenambrose.org

Eye care coverage and services for retirees

If you’re under age 65, some other services that can help include Mission Cataract USA (missioncataractusa.org), which provides free cataract surgery to low-income people who don’t have insurance. Vision USA (aoa.org/visionusa.xml, 800-766-4466), which provides free vision care to uninsured and low-income workers and their families. And the Knights Templar Eye Foundation (214-888-0220, knightstemplar.org/ktef), which provides financial assistance for eye surgeries to low income people who don’t have private insurance.
Source: pomeradonews.com

Blue Cross Blue Shield Of Tennessee Faces Criticism For Diversity Statement

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 Part D 2011 Data Spotlight: The Coverage gap

This data spotlight examines the availability of gap coverage in the private Medicare Part D drug plans offered to beneficiaries in 2011, the first year of the phase-out of the gap, as required under the 2010 health reform law.  The changes for 2011 include a 50 percent discount on brand-name drugs purchased during the gap in coverage, reducing an enrollee’s potential out-of-pocket costs in the gap from about $3,600 to $1,800. The analysis was conducted jointly by researchers at Georgetown University, the Kaiser Family Foundation and the National Opinion Research Center at the University of Chicago.
Source: kff.org

What is Medicare Supplemental Insurance?

Medicare Supplemental Insurance has been with the nation for quite some time now and has been welcomes into the lives of tens of thousands, though it has to be said that just like the Medicare program itself, there are still abundant numbers of people that do not fully understand exactly what the service is or what it offers. While Medicare is nothing less than a fundamentally vital provision for millions of Americans who need to cover their medical expenses, there are likely very few across the board that would describe the system as anything less than flawed. Despite its overwhelming number of benefits, Medicare inherently leaves a great many gaps and holes in the coverage of almost all policy holders, which must of course be covered from their own pockets when and where the need arises. Depending on the needs of the person in question , even the most minor of costs can quickly add up to something truly enormous, which is exactly where Medicare Supplement Plans come into the equation.
Source: oagnepal.com

Baking the Budget: Medicare Part D and the Coverage Gap

The purpose of this blog is to talk about the things we can control. To put ideas out there and learn from each other. If you’re making a decision in a vacuum, luck is the only chance you have of making a good one. We tell people to research smart phones, car, computers, etc., before they buy. But we rarely talk about making sound financial decisions. We consider it rude to ask about income, savings, budgeting. Most parents don’t even talk to their kids about these things. How can we expect anyone to make good financial decisions if no one talks about personal finances?
Source: blogspot.com

Medicare Part D Plan Ratings and Reviews Posted on MedicareDrugPlans.com to Help Seniors During Open Enrollment

Posted by:  :  Category: Medicare

Senate Dems Protest Medicare Cuts by TalkMediaNews“To choose the best Medicare Part D plan, it’s important to look at how satisfied others are with that plan, in addition to checking plan costs and benefits,” said Tod Cooperman, M.D., President of PharmacyChecker.com, which runs the MedicareDrugPlans.com website. MedicareDrugPlans.com shows how satisfied plan members are with the overall plan and with key aspects: customer service, the choice of drugs (formulary), plan costs, the ease of using the plan, and information provided by the plan.
Source: laurenambrose.org

Video: Medicare Drug Coverage – Part D Plans

Comparing Medicare Part D Plans

Comparing plans that offer Medicare Part D coverage is essential if you want to make sure that the plan you would be getting would suit your needs and your budget. To help you get started, here is a guide on how to compare Medicare Part D plans that you can use. The first thing you need to do would be to make a list of the medications that you are taking and how much you are spending on them every year. This is important, as this would help you in determining how much coverage you need to get with the plan. You should then look for providers of Medicare Part D plans. The best way to do this would be to go online, as many Medicare Part D Prescription Drug Plan providers have websites where they are able to offer information about how Medicare Part D works and the plans that they have. Make sure that as you go through the different providers, you would also be conducting a background research on each of them so that you can be certain that the ones you would be considering to get a plan from are reputable, established and have had a lot of experience in providing individuals like yourself with the prescription drug coverage and the assistance you may need later on.
Source: worldhealthtalk.net

FAQs about Medicare Part D

Understanding how Medicare Part D plans work is important before purchasing a plan, as it would provide you with the knowledge you need to make the process of reviewing and comparing your options later on a lot easier. Before you set out to buy a Prescription Drug Plan which comes with the Medicare coverage for prescription drugs that you need, here are the answers to some of the most frequently asked questions about Medicare Part D. What kind of coverage do Medicare Part D plans come with? Medicare Part D plans generally offer the coverage for prescription medications, although the amount of coverage that they come with as well as the medications that they can cover vary from one plan to another. Who can apply for Medicare Part D?
Source: completehealthnews.org

The Importance of Getting Medicare Part D Coverage

Read on to learn more about the benefits of getting Medicare Part D coverage. 1. It can save you a lot of money that you would otherwise be spending on prescription drugs. Depending on the type of plan you would be getting and your need for prescription medications, you can save hundreds or even thousands of dollars by getting a Prescription Drug Plan that is right for your needs. 2. It can protect you from unexpected rises in the cost of prescription medications. Even if you have already set aside a budget for the prescriptions drugs that you regularly need to take, a sudden and unexpected increase in their cost could cause you to have a bit of financial problems, especially if the drugs you need to buy do not have any generic versions. 3. It can assure you that you would be able to afford the medications you need even if you have a limited source of income. If you are do not have a steady source of income or if you do not have a lot of savings set aside, having Medicare Part D coverage can assure you that you would be able to afford and continue taking the medications you need to maintain your good health or manage your medical conditions.
Source: activehealthnet.net

Obama plan to force ‘rebates’ into Medicare drug benefit will drive up costs for thousands of seniors 

ACH19-ValueforMoney AHC13-PovertyandHealth Entitlement Reform NN11-Personal-News NN12-Job-Listings NN18-Conferences-Meetings NN19-Books NN20-Articles-Papers NN21-Grey-Literature NN22-Organization-News NN25-Videocasts NN27-Blogs PPACA-ACOs PPACA-ComparativeEffectiveness PPACA-Constutionality PPACA-Impact-Access PPACA-Impact-Consumers PPACA-Impact-Costs PPACA-Impact-Employers PPACA-Impact-HealthInsurers PPACA-Impact-HealthProfessionals PPACA-Impact-Hospitals PPACA-Impact-Outcomes PPACA-Impact-States PPACA-Medicaid PPACA-Medicare PPACA-PublicOpinion PPACA-Repeal Regulation-FDA Regulation-HealthFacilities
Source: wordpress.com

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

Medicare Part D Plan Ratings and Reviews Posted on MedicareDrugPlans.com to Help Seniors During Open Enrollment

Posted by:  :  Category: Medicare

“To choose the best Medicare Part D plan, it’s important to look at how satisfied others are with that plan, in addition to checking plan costs and benefits,” said Tod Cooperman, M.D., President of PharmacyChecker.com, which runs the MedicareDrugPlans.com website. MedicareDrugPlans.com shows how satisfied plan members are with the overall plan and with key aspects: customer service, the choice of drugs (formulary), plan costs, the ease of using the plan, and information provided by the plan.
Source: laurenambrose.org

Video: Medicare Part D Formulary

Q1Medicare.com Launches Enhanced Medicare Prescription Drug Plan Formulary Browser

The Formulary Browser also has several searches designed for medical, pharmaceutical, and healthcare professionals who have access to Medicare plan information that is not specific to a geographical area or when they are assisting geographically dispersed Medicare beneficiaries. Professionals or technically savvy seniors can search by the Medicare plan Contract ID and Plan ID to find a specific Medicare plan’s formulary by selecting the “PlanID” search. Alternatively, healthcare professionals can search the Formulary Browser by entering just the eight-digit Formulary ID by selecting the “FormularyID” search. Both the Contract ID/Plan ID and the Formulary ID search results will return the geographical service area for the plan in question along with the Medicare plan’s formulary details and the actual plan features.
Source: bestlongtermcare.org

Q1Medicare com Launches 2012 Medicare Part D Prescription Drug Plan Search Tool : e Yugoslavia

Users of the Q1Medicare PDP-Finder can also choose to see additional features of all state-wide prescription drug plans by changing the default search fields and view information like the total number of formulary medications, the plan’s enrollment figures, or the plan’s initial coverage limit. More advanced users can also filter the PDP-Finder search results based on monthly premiums, Donut Hole coverage, or plans qualifying for the Low-Income Subsidy $0 premium.
Source: eyugoslavia.com

Medicare Q&A: Which drugs are covered by Medicare Part D?

They include certain types of anti-anxiety and anti-seizure drugs, Barbiturates, Benzodiazepines, prescription vitamins and minerals, and prescription drugs used for anorexia, weight loss or weight gain, fertility, cosmetic purposes or hair growth, and relief of cold symptoms. 
Source: bernardhealth.com

Wednesday, Nov. 16, 2011: Two Maines, reducing the deficit and fixing Medicare — Maine Opinion — Bangor Daily News

Posted by:  :  Category: Medicare

Stop the Machine 2011 by Think-N-EvolveThe site will still be viewable but certain elements might display incorrectly. In order to enjoy all the features of our site, we recommended you upgrade to a newer, more secure browser. Read more ». If you don’t have administrator privileges for your computer, you can still take action. Google has developed a free plugin for Internet Explorer called Google Chrome Frame. You can install it on any computer, even if you can’t install applications, and it will ensure your computer stays secure and that you can still visit our website. Enable Google Chrome Frame now »
Source: bangordailynews.com

Video: Improving Medicare in 2011

2011 Medicare Open Enrollment

Each year plans change what they cost and what they cover. Now is the time for people with Medicare to review the changes being made by their current plan and compare it to others to make sure it still meets their needs. Those who don’t have prescription drug coverage can also enroll in a drug plan during open enrollment.
Source: recorderonline.com

Medicare Open Enrollment: Extra Benefits & Preventive Services

A full 99% of people with Medicare have access to Medicare Advantage Plans in 2012, and these plans often offer extra benefits that Original Medicare doesn’t cover. Medicare Advantage Plans may offer vision, hearing, or dental coverage, or extend coverage while you travel. Most Medicare Advantage Plans also include prescription drug coverage.
Source: medicare.gov

Highmark lands Medicare contract that could create jobs in the Harrisburg area

The contract involves processing Medicare claims for a region that includes Louisiana, Arkansas, Mississippi, Texas, Oklahoma, Colorado and New Mexico. Highmark already has an identical contact for claims from Pennsylvania, New Jersey, Maryland, Delaware and the District of Columbia.
Source: pennlive.com

STACCATO Trial Results Reported At TCT 2011

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

VIVA MEDICARE Plus Earns Highest Quality Rating Score in Alabama for Second Year in a Row

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Source: locomotivestrategy.com

Does Suzanne Bonamici really support billions in cuts to Medicare? PolitiFact Oregon

OOPS dumbkat, you forgot to mention in your spin of lies that it was the decision of the Bush administration not to give the loans as they were too risky only to have obama push the loans personally 9 months later even as “HIS” own administration said not to give the loans. Obama the ego maniac told them he wanted the loans given and for “PURE POLITICAL PAYBACKS” obama gave them the loans and as always the obama crime family now blames everyone else, lies and does the usual obama coverups. Try to get at least one fact right dumbkat and then you will be known as the first far left lib to use fact over lies.
Source: oregonlive.com

Bipartisan Senate Proposal Would Retool Medicare Program

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Source: businesslawdaily.net

Medicare choices explained

Posted by:  :  Category: Medicare

In honor of Tax Day by swanksalotHere are some questions to ask a word association when selling for a Medigap policy. Are we protected in California? Do we sell Medigap devise A? (Or whichever skeleton we are meddlesome in) Do we use medical underwriting for this policy? If a answer is yes, afterwards ask: Can we tell me where we am expected to qualify? Do we have a watchful duration for pre-existing conditions? If yes, ask how prolonged a watchful duration is. Do we cost this Medigap routine by regulating village rating, issue-age rating, or achieved age-rating? I am _____ years old. What would my reward be underneath this Medigap policy? If it is an attained-age policy, ask: How frequently does a reward boost due to age? Has a reward for this Medigap routine increasing in a final 3 years due to acceleration or other reasons. If yes, ask how much. Do we offer discounts, such as for nonsmokers? Is there any additional assign to routine my claims automatically? Source: Health Insurance and Counseling Advocacy Program
Source: 4-liability.com

Video: Learn About Medigap Plans

Dishonest ads for Tim Griffin explained

Get out yer Photoshop and have a little fun. With white hair Griffin looks like Sandusky. Or draw on a 1 inch wide mustache and ya got Hitler. Pull and push a little and Griffin’s dead eyes makes for a great possum. But this fun doesn’t really matter. What matters is that we make sure Granny & Granddad understand that Tim Griffin aims to cut off their Medicare. That will eventually mean Granny & Granddad are out in the street or both living in your back room. Ain’t no church coming to rescue the elderly when Medicare is gone. It costs so FK’ing much that only the Federal government can pay for the last few years of an elderly person’s life. My Friday drinking buddies who still have living parents are just now seeing the blackness of the future. I think far more than losing my brother, father & first wife at an early age, the last 4 years of my mother’s life shaved off 10 years of my life. Though Ma’s been gone for 3 years, I’m still traumatized over the cruelty of her last years. No matter what we did, it was all down hill every day..no getting better, no medicine helping, just more side-effects to overcome….which you can’t really overcome. And Republicans like Griffin want to add to the misery of the final years by killing Medicare! Do you really think Mike Ross’s savior USA DRUG (ad below this typing box) will kindly hand out free drugs to the elderly when Griffin succeeds in killing Medicare? Maybe it’s time to start thinking about humanely executing those operating at less than 100%. That would solve all our problems. Griffin & Co. wouldn’t have to pay taxes. We wouldn’t have to watch our loved ones suffer for months or years. No one would have to go broke because of illness. The healthy left behind would be in shape to work cutting up chickens or roofing or doing lawn care since soon being a greeter at Wal-Mart will be the best job in town. Be sure and send thank you email to all 6 of the Arkansas reps to Congress. They’re ushering in America’s Dark Ages. Nothing goes better with Koch.
Source: arktimes.com

PERRspectives: Romney Pushes Privatization of Medicare, Veterans’ Health

As Longman explained at the time, “Who do you think receives higher-quality health care? Medicare patients who are free to pick their own doctors and specialists? Or aging veterans stuck in those presumably filthy VA hospitals with their antiquated equipment, uncaring administrators, and incompetent staff? An answer came in 2003, when the prestigious New England Journal of Medicine published a study that compared veterans health facilities on 11 measures of quality with fee-for-service Medicare. On all 11 measures, the quality of care in veterans facilities proved to be ‘significantly better.’ … The Annals of Internal Medicine recently published a study that compared veterans health facilities with commercial managed-care systems in their treatment of diabetes patients. In seven out of seven measures of quality, the VA provided better care.”
Source: perrspectives.com

Medicare Supplemental Plans Explained

Today, many people still look forward to signing up for Medicare coverage for this coming year because it means they will finally have some kind of safety net in case they get sick. While Medicare truly does serve the needs of many people, the remaining 20% of medical bills that get assigned to the patient tends to be too expensive. Without a question, if you are disturbed by the extreme escalation in the cost of health care services, then you owe it to your business to shop for medicare supplemental plans in order to protect your financial future as well as ensure that you will always be able to choose the kinds of care that you want to receive.
Source: mostmedicare.com

Explaining Medicare and Other Health Insurance Options for Seniors

Medicare Advantage Plans Medicare Advantage plans are a great place for seniors with daunting medical challenges to look for additional coverage. As explained previously, Medicare Advantage plans are provided by private insurance providers and essentially replace the coverage provided by Medicare. Medicare Advantage plans are required by law to provide coverage that is equal in quality to the coverage provided by traditional Medicare, but it is not required to provide the exact same kind of coverage. Medicare Advantage plans have the opportunity to change the services covered and can offer customized protection plans depending on the need of the individual. While these plans cost more than a traditional Medicare plan, they are more flexible and can be built to fit the needs of the policy holder.
Source: elderkind.com

Much of the Secular Decline in Savings is Explained by Medicare and Medicaid

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Source: modeledbehavior.com

Dishonest ads for Tim Griffin explained 

Add new tag Alltel Alltel Corp. Anarian Chad Jackson Arkansas Arkansas Advocates for Children and Families Arkansas Board of Corrections Arkansas Department of Health Arkansas Soybean Association Arkansas Take Back Barack Obama Benny Magness Bobby Glover Brandon Mitchell Cartoon Cartoons D&E Communications EFCA gang GI Bill Gunner DeLay Harville Cartoon I. Dodd Wilson Kim Hendren L.T. Simes Larry Norris Lea little rock Mark Pryor Mike Beebe National Institutes of Health Patrick Kennedy Race for 100 Randeep Mann recession Russellville Sitzer soybeans swine flu Tim Leathers Twitter UAMS Verizon Vic Snyder Windstream
Source: arkansasnews.com

Medicare Explained In Enfield

It will also look at ConnPace and the Medicare Savings Program, which provide those who qualify with additional financial assistance to cover prescription drugs and Part B premiums. Nancy Petronio, of United Healthcare Medicare Solutions, will present the overview and will also be available for questions.
Source: courant.com

health insurance sales leads: Supplemental Allowance Explained

Many seniors are complete adored with the blossom allowances provided by Medicare and a supplement. However, you can see it is important to barter about for the acclimatized plan and allowance accession in your belted area. Supplements do arise at a cost, but they can admonition bodies advantage and administrate their out of abridged blossom costs.
Source: newonlinehealth.com

Medicaid & Medicare Textbooks

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Source: seetextbooks.com

Medicare explained to consumers

The presentation was part of Gulf Coast Medical Center’s program called h2u, which stands for “health to you.”  The program, which has existed for more than 15 years, provides residents over age 50 literature, presentations and social events to help them manage their health and enjoy a healthy lifestyle. The h2u program comes at a cost of $20 and has more than 3,400 local members. More than 200 of those members attended the workshop on Medicare at the Shaddai Shine.
Source: newsherald.com