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

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Old people read alone... by Ed YourdonThis entry was posted in Health and tagged Access, advantage, advantage health, advantage plan, Alabama, alabama counties, amp, annual enrollment, appropriate care, Area, Boulevard, Cafés, Care, chronic conditions, CMS, code, Company, company officials, contract, Copyright, coverage, Dec, December, Drug, Earns, eligibility, Enrollment, enrollment period, Expert, five stars, growth, Health, Highest, Holdings, Hoover, Inc., Information, LLC, Medicaid, medicaid services, Medicare, medicare health plans, medicare patients, member, member satisfaction, membership, membership growth, November, October, Opportunity, part, Past, Performance, performance plans, period, Place, Plan, Plus, prescription, prescription drug coverage, Press, PRW, PRWEB, Publicity, Quality, rank, rating, reform, Releases, row, satisfaction, scale, score, Second, Service, Star, star scores, state, Suite, summary, summary score, summary scores, system, today, TTY, UAB, uab health system, VIVA, Vocus, Week’, Wire, Year, zip. Bookmark the permalink.
Source: xtrafun.info

Video: TV GemCare Medicare Plus 09

Higher copays seen for Medicare brand

[…] AARP Al Norman Angela Rocheleau attorney baby boomers Block Boston budget Cammuso caregiving Congress decorating Dementia Dodge Park Rest Home elderly Estate Preservation Law Offices exercise eye care Finance Goslow Goslow Health Health Care Reform home Home Care Home Improvement Home Staff LLC Just My Opinion law Legal Mario Hearing Mass Home Care Medicaid Medicare Obama retirement Saint Vincent Hospital Shalev Shapiro Social Security Sondra Shapiro study Tracey Ingle Travel VeteransSource: fiftyplusadvocate.com […]
Source: fiftyplusadvocate.com

Typically the Medicare Ruse: How Insurance carriers Use Medicare Being a Delay Method in A law suit

Medicare Supplementation Plans for the most part offer advanced coverage for you to Medicare Plus Plans, which explains why many folks are choos to sign up in main Medicare and buy supplemental insurance policy. Thousands from seniors within the last few weeks have obtained letters inform them his or her coverage mak use of their current appeal plan is go to be terminated when they get home of the majority. These people use a special confirmed issue interval, where they are able to enroll in any specific plan with any organization without pick up any wellbe questions. Those who have health challenges should employ this period to buy a Treatment Supplemental Protection plan.
Source: wnise.com

Top notch Carriers Losing Medicare Plus Private Fee

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

The Medicare Daily Report: Joint Committee: GOP = No Negotiation, 60 Plus = No Reality

Here’s a special edition of the “Reality-Free Zone” — one just for seniors: According to 60 Plus Association Chairman Jim Martin, leader of the largest conservative seniors advocacy group in the nation, “Since the moment ObamaCare was passed, there has been a black cloud looming over the lives of every senior in America.  The politicians — including their friends at the AARP — who made us swallow this poison pill not only cut $500 billion from the Medicare safety net that seniors have paid into for decades of their working lives, but the legislation itself guarantees cuts in service, lower quality, slower delivery, and rationing.   In every measurable way, this is just bad medicine, plain and simple.”
Source: blogspot.com

Medicare health insurance Supplement Insurance policies

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MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSThese Medicare supplement policies are offered and administered via the private insurance agencies only. No federal government insurance increases the facilities from Medigap coverages. However, besides be beneath the sole control on the private insurance agencies there are some normal rules to generally be followed on the sell on the Medigap coverages. Among these a very powerful is medigap quote only an even dozen standard coverages grouped accord to plans YOUR through M. And every one of policies provide ones own set from benefits. Besides this additionally, it is an important proven fact that almost all Medigap policies supply basic primary advantages of the projects A not to mention B and it is necessary basic benefits they already have their own range of advantages.
Source: shadwickforcongress.com

Video: Choosing a Medicare Supplement Policy in 2011

Buying Senior Health Insurance

Another option available for seniors is Medicare Part C. These are also knows as Medicare Advantage policies. These policies can cover most of your healthcare expenses. These policies are much more comprehensive than Original Medicare. They can cover expenses that previously could only be covered by a combination of two or three policies.
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Anyone recently turned 65 and Looking for a Medicare Supplement plan?

The Medicare Supplements market is currently so wide that a person can hardly go a mile without noticing a Medicare Supplemental Insurance Company. With the mushrooming of such companies in many States in America, a person may still find it hard to identify an ideal company and also a relevant Medicare policy. There is more than one top rated insurance company from which a person may choose from but identifying the best quotes too is a task to climb. If a person just turned 65 gets a Medigap brokerage or agents with reliable knowledge on Medicare, the process of identifying one good provider may be easy. The whole scenario of finding a brokerage, agent of an ideal company baffles many new comers to this Insurance field. They prefer sending someone to the field to do the research for them and make payments where necessary if they agree on one plan or company.  Even if it is Medicare Supplement Plan F, no matter the plan or policy they buy, Medicare will not cover all their Medical expenses but only cater for the gaps left for the customer once Medicare has cleared out the rest of the hospital bills.  Medicare, depending on the policy, may help in covering deductibles and coinsurance expenses which usually amount to a lot of dollars for a single patient to afford. This is the 20% of the total cost that is left out for the insured to pay though Out of the Pocket or through other personal arrangements.
Source: wpa2007seoul.org

Medigap policy is a plan that covers up the health insurance of our elders

Medicare plans are always a better option to have a health care insurance which provides peace in your retired life. After retirement if you decide to purchase Medicare insurance policy it will be a wise decision. Generally we see that Medicare insurance policy does not cover all the expenses of the patient’s treatment which is included hospital expense, medicine expense etc. It is mostly seen that from the total expenditure a part is paid by the patient or by his family as it is not covered by his policy. But Medicare supplement insurance is a policy which makes the difference between existing policy and supplemental policy, for this reason it is very essential to have a Medicare supplemental plan beside the original plan. Medicare supplement insurance is also known as Medigap Insurance, it is very advantageous for the patient to have a Medigap policy to assume the entire amount of money that is required for treatment. If you think that you want to get all the facilities of Medicare plan, it is mandatory to have a supplemental insurance. But when you are planning for taking supplementary plan make sure that are you using original insurance plan or not. Without the original plan it is impossible to get enrolled later. Medicare supplement plan is not an autonomous body it is manipulated by some private companies and government body is not concerned. But there are some norms which are assigned by the government and all the Medicare insurance companies are bound to follow the same.
Source: articlejadeo.com

Do I Need Medicare Supplement Insurance?

You can find more information about plan benefits, and you can compare actual premium prices for Medigap policies available in your area, at weissratings.com/medigap.  Weiss Ratings does not sell insurance, but it does give consumers access to pricing data for more than 165 Medigap insurers. We’ve looked, and you won’t find this kind of premium-price comparison information anywhere else.
Source: thetradingreport.com

Colorado Medicare Supplement Insurance

For people who are more than the age of 65 and at the moment enrolled in an eligible Medicare plan, Colorado Medicare supplement insurance (which could also be referred to as Medigap) could possibly be a beneficial selection. Medicare supplement insurance, also called Medigap coverage is obtainable in each and every state, although Medicare supplement rates can differ widely. Medicare Supplemental insurance is the policy which is designed to enhance the protection that is afforded by the original Medicare program. Although most of the plans that are there in the original Medicare cover most of the expenses yet there are some gaps that remain in the policy that make the Medicare supplement insurance mandatory for the people to take them. The Best Medicare Supplement Insurance is the one that offers the beneficiary maximum amount of profit or returns on the insurance. Medicare Supplemental Insurance is an option that is available with the people who want to satisfy their insurance related needs in a very detailed manner. It is not that the health related problems will not occur to people in the long run, they obviously will occur but the main thing is that is these problems arise in front of the people then it would be very easy for the people to cope up with the expenditure on their health because of the presence of Medicare supplemental insurance.
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Supplementary Insurance Policy of Medicare to Maximize The Benefit

One thing you should know that no active participation of government will be here. It is wholly administrated by private body. Several private companies are in this insurance business. Though this same policy can be marketed by different companies, but there are some strict rules which ought to be maintained by the all private companies. These rules include the same amount of premiums should be drawn from the policy holder. All the plans should be same with same benefits. 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.
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Circumstances when Medicare supplement companies can drop a policy holder.

Then give the client a span of six months to pay the premium before finally deciding on the move to cancel the contract. If the client was not truthful on the application form, and the company find out the truth then the company can terminate its contract with the client. Information like age, salary and former health conditions are vital to the premium charged. If the individual decides to give the wrong information, to attract a lower premium, then this subjects the company to immediately stop offering medigap benefits. If the person has a Medicare advantage plan, then the company can reject the applicant’s request for a medigap policy. It is illegal for an insurance company to sell medigap policies to people holding Medicare advantage plans. If Medicare supplemental insurance companies become bankrupt or insolvent then they do have the right to terminate contract with its client.
Source: notimorelia.com

Medicare Supplement Insurance for 2012

Turning to Medicare supplemental plans, it is divided into 4 parts. Part A: This deals with your hospitalisation costs. You can also use this for home nursing or hospice, in the event that directly related for your condition. Component B: This particular relates to the Outpatient costs. You are to pay premiums here. Part C: Deals with health insurance programs. They are being offered by private insurance firms, as approved by the Government to provide such providers. Part Deb: Covers prescription medications. If the medications are protected here, this can be used program to fix it.
Source: carinsurance-ohio.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.
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How to Find Medicare Physicians

You will choose among a wide range of specialties such as Dermatology, Endocrinology, Cardiology, ETC. Aside from finding good Medicare physicians, you can also browse through profiles of other health care specialists such as nurses, anesthetists, and therapists. Moreover, you must provide the location (zip code or name of the state) where you want to find a certain physician – which is obviously, the state where you’re currently located. The second search criterion is the optional one. In this set, you can leave the questions blank or you can choose to fill it up with answers to narrow down and specify your search. In this set, you can state your gender preference (whether you want a male or a female doctor) and you may state the last name of the physician that you want. You can also choose whether you want the tool to return results of physicians who only accept “Medicare-approved amount as payment in full on all claims”. Note that physicians who do not accept “Medicare-approved amount as payment in full on all claims” may charge extra costs and therefore their services are more expensive. After providing all the necessary criteria that will match the physician you’re looking for, you should hit the search button and the tool will provide you with a list of physicians or healthcare providers that matched the input data you’ve given. You will really be satisfied with the results because it provides profiles of physicians, their offices, and even where they’ve graduated. Indeed, with the Medicare Participating Physician Directory, you can choose the best among all Medicare physicians.  
Source: ezinemark.com

Regulations for Medicare Supplement Insurance Companies

Moreover, Medicare supplement insurance companies are obliged to follow health insurance laws by the federal government. Basically, Medigap insurance policies are composed of 10 options, named as Insurance policy A to Insurance Policy J. Recently, the federal government has passed additional provisions, the Insurance Policy K, L, M, and N. Benefit coverage offered by private companies must be in accord with the standardized medical coverage of health insurance laws. In other words, medical and health coverage of Insurance policy A must be similar in every company, regardless of premium and deductible rate.
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Top 5 Facts About Medicare Supplement Insurance

At the end of the day, a Medicare supplement insurance plan is something that pretty much everyone should consider. In the current state of the economy you really cannot expect the government to cover your needs and therefore it may well be a much better idea to take things into your own hands. Regardless, you should always try to find out the specific limitations of the coverage that you currently have. From here you can make your decision as to whether supplemental insurance is necessary or not.
Source: youreallyshouldbefollowingme.com

The Mechanics of Medicare Supplemental Insurance

The national Medicare initiative covers millions of Americans across the nation, and it is almost accurate to conclude that many of them do not find this policy a completely fault-free one. While it is true that Medicare is an outstanding program in its own right and provides countless number of Americans the privilege to tend to their various health concerns and pay for the costs that go along with it, the fact that it holds numerous gaps and holes still cannot be refuted. Needless to say, the most common and perhaps the most alarming of these are the glitches that are found in its coverage. Although it is true that Medicare covers all the essential areas of an individual’s medical expenses, many policy holders still find themselves reaching inside their pockets in order to instantaneously bridge the gaps that it has left behind. This may not be deemed as a problem to those people who hardly tap the policy for aid, but to those who are constantly faced with health care issues, these flaws are enough to warrant a great deal of anxiety as all those medical costs that were not covered by Medicare may sooner or later, mount into one, huge expense.
Source: theo4you.org

Medicare Supplement Insurance Coverage

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSYou don’t want to feel shorthanded financially. To do this, find an agent that deals directly with Medicare. Give him or her your pertinent and accurate information so as not to confuse the types and rates of the plans. Accurate information will yield accurate price quotations. Make sure that the agent or agency you come into contact with is an independent one. You don’t want someone loyal to a single company to give you quotations. His quotations may be biased in favor of the company he or she works for. Once you get hold of this information, it is now time to compare the prices and rates of the plans you wish to enroll in. You have a few plans to choose from. Some of the more famous ones are Plans F,G, and N. Plan F offers the most all-inclusive plan. By saying all-inclusive, we mean that you don’t have to take out money from your pocket in the event of medical need. The company pays for everything. They have you covered on all sides. The second plan, Plan G, is a notch below Plan F. The difference between Plans F and G are minimal only. Finally, the Plan N is of the lowest level between the three. It is designed to be an alternative to Medical Advantage plans for those who want a cheaper alternative. The cheaper price does not necessarily mean less coverage. It is now up to you to make a decision as to the plan you choose to augment your Part A and B Medicare Plan. Choose wisely.
Source: ezinemark.com

Video: Understanding Medicare Supplements, Medicare Supplement Insurance

Medicare supplement plan is a source of peace for senior citizen

When you are thinking for taking a health insurance policy it should be assured that after your retirement how much you have deposited for your family and how much for your health plan due to any physical illness. When you are purchasing a policy you need to know that which is your existing policy it should not match with the supplement insurance. You should have a clear idea about your existing plan and in the time of buying supplemental plan you need to talk to the agent and make sure that all the aspects are covered with this or no. The ideal thing before choosing the Medicare supplemental insurance is to take from that particular company which you are associated with. Medical emergencies may come at any time but you should be prepared, your elder whom you love and when he or she suffers. You have to take the initiative as well as this is your responsibility to take care of his health and protect him because this is your responsibility to assure him that you have all the resources. Getting the authentic and original supplement insurance is a good way of ensuring that you will be able to look after your health and you will not have any difficulties in your rest of the life.
Source: articlejadeo.com

YourFreePR Share your news with the world.

Medicare, the medicare supplement insurance does not cover 100% of your health care. You will find the holes in coverage of Medicare supplement insurance coverage has been reached. Therefore, Medicare supplement insurance, also known as Medicare Supplements insurance. Medicare bases – just what people with Medicare, initial insurance contributions – provides coverage for most medically necessary hospital bills and medical costs for some companies to take as much as 80%. And therein lies the first difference: 20% passed. Medicare Supplements does not cover vision, dental and hearing aids. There is no coverage for routine exams. And covered outpatient prescription drugs. In addition, you cannot find an integrated long-term care. Now, Medicare insurance will be more like a sieve than a normal backup. This is not to express that the health insurance coverage cannot be a financial lifesaver. It can. But things do not add insurance fairly quickly if the disease affects. But lets discuss what health insurance covers before going too much into what it really is not. First, who is eligible? Its easy. You are eligible for Medicare insurance if you are. However, the fees may vary for different companies. Therefore, you are free to buy any policy you want to make sure that you get the same benefits of other companies. Medicare Supplement plans, which we know are additional plans that are designed to bridge the gap between Medicare coverage policy and the original actual medical bill payments. The fact is that the origin of several holes, Medicare does not cover all medical services you need. So if you are already a Medicare beneficiary, you may need to get a Medicare Supplement plan with her to meet all their medical expenses. Its kind of insurance that can pay part of their original costs of Medicare and also part of the cost of medical care not covered. These extra insurance sold by a private company and under his own administration. According to the law on private insurers to offer only twelve standard plans for health insurance supplement, L. Each of these plans has their own set of benefits that are different. But almost all the twelve policies offer the basic benefits of Medicare Part A and B. Therefore, it is always advisable to study all the Medigap plans before deciding to choose the right one for you. Besides the fact to consider is that, regardless of what the insurance company, you can purchase a special plan, all plans with the same letter providing the same benefits. For example, a plan C Medigap policy if you purchase should cover the same benefits without relying on the company selling the plan. As mentioned above, twelve policies cover basic benefits, but each has additional benefits vary by plan. For example, Plan A is the most basic level, and all other plans from B to L offers all the benefits of Plan A and each has its own set of additional coverage. A PLAN KL offer similar services to plans AJ, but share the costs of the basic benefits are at different levels. However, there are also some restrictions on Medigap policies. Like for instance, in 2006, Medigap plans H, I and J cannot be sold to the beneficiaries a prescription drug benefit, but people who already had those policies can keep them. Another important thing is that every politician Medigap Medicare Supplement Plans can be sold to anyone under the Medicare Advantage plans. Even if youve already made plans to supplement Medicare, Medicare Advantage plan and you need to change the original Medicare, you cannot use the Medigap benefits, if you return to Original Medicare. Therefore, it is important to pay sufficient attention to the selection of your insurance and Medicare supplement insurance plans. Check out Medicare supplements And Medicare supplement insurance Please Visit: http://www.americanseniors.com
Source: yourfreepressrelease.net

Who Needs Medicare Supplement Insurance?

Of the millions of Americans currently covered by the national Medicare initiative to one extent or another, it cannot possibly have escaped the attention that the system is somewhat flawed as a whole when it comes to the abundant gaps and holes left in certain areas of medical care provision. Of course, the system is nothing less than 100% essential and has long been the only means by which so many have been able to meet their demands and payments, but there are many cases when even this degree of help leaves citizens struggling to cope. The reason for this is the fact that Medicare leaves quite an extensive array of gaps and holes in the coverage it offers, which of course must be covered instead from the pocket of the person in question. Assuming that said person has rather extensive medical requirements and far less abundant funds, this can add up to a level of expense that may be incredibly difficult to keep up with, which is where Medicare Supplement Insurance comes into the equation.
Source: oagnepal.com

Medicare Supplement Insurance: How to Get the Best Ones

Millions of people cannot miss out on the fact that there are already more Medicare Supplemental Insurance providers who offer their services than there ever have been. The rapidly increasing demand for such health care insurance services has resulted into a superfluity of new options emerging in every corner of the health care industry segment. As a consequence, the competition is getting a lot stiffer by the day. This may be favorable occurrence to the consumers as such competition will constantly allow low prices as well as very high standards of service. However, it must also be noted that just like in any other kind if industry where services exists in great numbers, the odds of the rare negative example sneaking through the keen, proverbial net are still highly probable. One must be wary when it comes to doing businesses with these types of insurers since health, the matter placed in peril, is highly sensitive.
Source: corporategovernance-asia.com

Anyone recently turned 65 and Looking for a Medicare Supplement plan?

The Medicare Supplements market is currently so wide that a person can hardly go a mile without noticing a Medicare Supplemental Insurance Company. With the mushrooming of such companies in many States in America, a person may still find it hard to identify an ideal company and also a relevant Medicare policy. There is more than one top rated insurance company from which a person may choose from but identifying the best quotes too is a task to climb. If a person just turned 65 gets a Medigap brokerage or agents with reliable knowledge on Medicare, the process of identifying one good provider may be easy. The whole scenario of finding a brokerage, agent of an ideal company baffles many new comers to this Insurance field. They prefer sending someone to the field to do the research for them and make payments where necessary if they agree on one plan or company.  Even if it is Medicare Supplement Plan F, no matter the plan or policy they buy, Medicare will not cover all their Medical expenses but only cater for the gaps left for the customer once Medicare has cleared out the rest of the hospital bills.  Medicare, depending on the policy, may help in covering deductibles and coinsurance expenses which usually amount to a lot of dollars for a single patient to afford. This is the 20% of the total cost that is left out for the insured to pay though Out of the Pocket or through other personal arrangements.
Source: wpa2007seoul.org

Supplementary Insurance Policy of Medicare to Maximize The Benefit

Posted by:  :  Category: Medicare

Cassandra Q. Butts by Center for American ProgressOne thing you should know that no active participation of government will be here. It is wholly administrated by private body. Several private companies are in this insurance business. Though this same policy can be marketed by different companies, but there are some strict rules which ought to be maintained by the all private companies. These rules include the same amount of premiums should be drawn from the policy holder. All the plans should be same with same benefits. 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: coop-freixodenumao.com

Video: Understanding Medicare Advantage Plans

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

Medicare Supplement Insurance Coverage

You don’t want to feel shorthanded financially. To do this, find an agent that deals directly with Medicare. Give him or her your pertinent and accurate information so as not to confuse the types and rates of the plans. Accurate information will yield accurate price quotations. Make sure that the agent or agency you come into contact with is an independent one. You don’t want someone loyal to a single company to give you quotations. His quotations may be biased in favor of the company he or she works for. Once you get hold of this information, it is now time to compare the prices and rates of the plans you wish to enroll in. You have a few plans to choose from. Some of the more famous ones are Plans F,G, and N. Plan F offers the most all-inclusive plan. By saying all-inclusive, we mean that you don’t have to take out money from your pocket in the event of medical need. The company pays for everything. They have you covered on all sides. The second plan, Plan G, is a notch below Plan F. The difference between Plans F and G are minimal only. Finally, the Plan N is of the lowest level between the three. It is designed to be an alternative to Medical Advantage plans for those who want a cheaper alternative. The cheaper price does not necessarily mean less coverage. It is now up to you to make a decision as to the plan you choose to augment your Part A and B Medicare Plan. Choose wisely.
Source: ezinemark.com

YourFreePR Share your news with the world.

Medicare, the medicare supplement insurance does not cover 100% of your health care. You will find the holes in coverage of Medicare supplement insurance coverage has been reached. Therefore, Medicare supplement insurance, also known as Medicare Supplements insurance. Medicare bases – just what people with Medicare, initial insurance contributions – provides coverage for most medically necessary hospital bills and medical costs for some companies to take as much as 80%. And therein lies the first difference: 20% passed. Medicare Supplements does not cover vision, dental and hearing aids. There is no coverage for routine exams. And covered outpatient prescription drugs. In addition, you cannot find an integrated long-term care. Now, Medicare insurance will be more like a sieve than a normal backup. This is not to express that the health insurance coverage cannot be a financial lifesaver. It can. But things do not add insurance fairly quickly if the disease affects. But lets discuss what health insurance covers before going too much into what it really is not. First, who is eligible? Its easy. You are eligible for Medicare insurance if you are. However, the fees may vary for different companies. Therefore, you are free to buy any policy you want to make sure that you get the same benefits of other companies. Medicare Supplement plans, which we know are additional plans that are designed to bridge the gap between Medicare coverage policy and the original actual medical bill payments. The fact is that the origin of several holes, Medicare does not cover all medical services you need. So if you are already a Medicare beneficiary, you may need to get a Medicare Supplement plan with her to meet all their medical expenses. Its kind of insurance that can pay part of their original costs of Medicare and also part of the cost of medical care not covered. These extra insurance sold by a private company and under his own administration. According to the law on private insurers to offer only twelve standard plans for health insurance supplement, L. Each of these plans has their own set of benefits that are different. But almost all the twelve policies offer the basic benefits of Medicare Part A and B. Therefore, it is always advisable to study all the Medigap plans before deciding to choose the right one for you. Besides the fact to consider is that, regardless of what the insurance company, you can purchase a special plan, all plans with the same letter providing the same benefits. For example, a plan C Medigap policy if you purchase should cover the same benefits without relying on the company selling the plan. As mentioned above, twelve policies cover basic benefits, but each has additional benefits vary by plan. For example, Plan A is the most basic level, and all other plans from B to L offers all the benefits of Plan A and each has its own set of additional coverage. A PLAN KL offer similar services to plans AJ, but share the costs of the basic benefits are at different levels. However, there are also some restrictions on Medigap policies. Like for instance, in 2006, Medigap plans H, I and J cannot be sold to the beneficiaries a prescription drug benefit, but people who already had those policies can keep them. Another important thing is that every politician Medigap Medicare Supplement Plans can be sold to anyone under the Medicare Advantage plans. Even if youve already made plans to supplement Medicare, Medicare Advantage plan and you need to change the original Medicare, you cannot use the Medigap benefits, if you return to Original Medicare. Therefore, it is important to pay sufficient attention to the selection of your insurance and Medicare supplement insurance plans. Check out Medicare supplements And Medicare supplement insurance Please Visit: http://www.americanseniors.com
Source: yourfreepressrelease.net

Medicare Supplement Insurance Plan C

Thus, an excess charge an a costly Medicare approved expense can amount to a significant sum assuming the doctor or hospital does not accept Medicare assignment. However, most medical professionals generally accept Medicare assigned charges so it is rare for consumers to run into these types of expenses, but certainly not unheard of.
Source: ohioinsureplan.com

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

Understanding the Medicare Benefits for Senior Citizens1

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

Medicare Supplement Insurance for 2012

Turning to Medicare supplemental plans, it is divided into 4 parts. Part A: This deals with your hospitalisation costs. You can also use this for home nursing or hospice, in the event that directly related for your condition. Component B: This particular relates to the Outpatient costs. You are to pay premiums here. Part C: Deals with health insurance programs. They are being offered by private insurance firms, as approved by the Government to provide such providers. Part Deb: Covers prescription medications. If the medications are protected here, this can be used program to fix it.
Source: carinsurance-ohio.com

What Does Medicare Coverage Mean?

Medicare coverage Part B, also known as supplementary medical insurance helps to cover outpatient services which include ambulance services, office visits, and preventive services. When any person is enrolled in Part A, they are by default enrolled in Part B as well, unless they decide to opt out of Part B coverage. The enrollees in Part B pay a monthly premium which equals on an average of one forth of the costs paid for Part B services.
Source: nobledrugstore.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

Choosing a Medicare Plan in the Face of Potential Changes to the Program

Do a discerning check-up online, or get someone to assistance you: People tend to wish to equivocate a examination of their Medicare coverage since it’s a hassle. But, there are a series of Internet sites that can revoke a con of reviewing your coverage. Sites like PlanPrescriber.com (owned by Plan Prescriber, Inc.), eHealthMedicare.com (owned by eHealthInsurance Services, Inc.) and Medicare.gov (the supervision website) make it easy for we to examination skeleton and advantages side-by-side, and get a clarity of what devise competence work best for you. Or, if we don’t wish to use a Internet, we can hit Medicare, your state dialect of insurance, a word company, or work with a protected representative who represents several word companies, like eHealthInsurance.
Source: insuranceforphysician.com

Health Informatrix: Important Medicare & Medicaid EHR Incentive Programs Deadlines and Resources for Hospitals

Posted by:  :  Category: Medicare

San Diego, CA by Oggie DogAttestation Resources CMS has an Eligible Hospital and CAH Attestation User Guide, which provides step-by-step instructions for login and completing attestation. CMS also has a Meaningful Use Attestation Calculator, which allows providers to see if they are able to meet all of the necessary meaningful use measures to successfully attest and qualify for an incentive payment. Want more information about the EHR Incentive Programs? Make sure to visit the EHR Incentive Programs website for the latest news and updates on the EHR Incentive Programs.
Source: healthinformatrix.com

Video: EHR: Medicare and Medicaid Incentive Program Registration Webinar for Eligible Hospitals

The Truth about Medicare Advantage plans

The advantage: The Medicare Advantage plans by law to provide coverage at least as good in original Medicare, and do everything, and I would say that most of the benefits of offering beyond what Original Medicare cover. For example, Medicare has a deductible on a hospital stay, most Medicare Advantage plans do not, most preventive controls in MA plans have a zero copayment, and Medicare does not offer that. And a lot of Medicare Advantage plans offer some type of drug coverage built into them. This means you do not have to go out and buy a separate plan for that. Oh, and did I mention that most of all Medicare Advantage plans have a cousin who is from zero to 150 per month? Obviously, the more you pay the strongest of the benefits. And pre-existing conditions are covered, except for end-stage kidney disease that prevents you from enrolling in these policies.
Source: maranathabbc.org

CMS Proposes 3.35% Medicare Payment Cuts to Home Health Agencies

Another new rule released by CMS requires comparable face-to-face encounters for people receiving Medicaid home health services to adhere to the unifying nature of these provisions made under the ACA. CMS says that unlike qualifications for beneficiaries to receive Medicare home health benefit Medicaid home health beneficiaries do not need to be homebound or require skilled car.e However, home health agencies participating in the Medicaid program must also follow Medicare conditions of participation.
Source: seniornews.com

Register Now for Nov. 15th ACO Medicare Shared Savings National Provider Call

A Notice of Intent to Apply (NOI) memo is currently available on the Shared Savings Program Application page at in the “Downloads” section. Submitting the NOI is the first step in the application process. A copy of the Shared Savings Program application will be posted to this website prior to the National Provider Call. CMS will send out an announcement when the application is available on the website. Call participants are encouraged to review the application prior to the call.
Source: wordpress.com

Understanding about Medicare Supplement Plans

Medicare Supplemental Plans or Medigap are Health Plans administered by the Medicare approved private Insurance companies. Medigap as the term implies, has came into the picture to fill the gap which is left by the original Medicare. You have to enroll the original Medicare at first then only think of enrolling the Medigap plans for further relief from health expenses. The Health Plans are very beneficial for the old age people rather we call them the senior citizens for getting support for the extra expenses for medical treatment of their health. This health plans have certain features like an insurance holder can claim the benefits after sixty-five years of age not before that, those having certain disabilities can avail it before sity0five years of age. These health plans covers the hospital and home health care, nursing facility, doctor’s service etc. With the growing rate of price value day by day it is very difficult for the general people to manage the medical treatment; the cost for any kind of treatment is reaching the height of sky. The cost for doctor’s visit, prescribed drugs, test and if required then the hospital bills are problems which has become issues for the normal people, to avoid from all this sort of tension a great solution is getting support of Medicare insurance policy.
Source: articlejadeo.com

North Carolina Medical Society

Physicians interested in learning more about the challenges and issues pertaining to Medicare should attend the Centers for Medicare and Medicaid Services (CMS) “Empowering Minorities-Promoting Better Health, Better Care, Lower Cost for Medicare Beneficiaries in their Communities” symposium on Wednesday, December 14, 2011, through Friday, December 16, 2011, from 7:00 am – 5:00 pm at the Marriot World Center, Orlando, FL. Topics of discussion include empowering minorities, fraud training, Medicare Learning Network, Affordable Care Act, PCIP/CO-OP, Affordable Insurance Exchange, and Medicare 101 Basic Training. Breakout sessions and panel discussions will include:
Source: ncmedsoc.org

Not too much to say tonight. I am more confused than ever with this MEDICARE.

I found the same thing this year when I had the stress breakdown away from my home, I was totally unable to to find out how to access our EA while I was covered. Even calling the school board didn’t get the number and calling our insurance company didn’t get me the number and just as decreased cognitive ability affects elderly people, it also affects you when you are depressed or can’t deal with everyday things due to all the stress you are under.
Source: sparkpeople.com

Medicare fair Thursday at new senior center

Dr. Thomas Olveira will discuss Medicare’s 2012 wellness benefits, how to save money on health care and use of Medicare’s covered screenings and preventive services. Admission is free at the Dorothy Visser center.
Source: ocregister.com

Medicare eRx Incentive Program: 2012 Hardship Exemption Deadline is Approaching

addendum allergies best practices BMI checklist clinical summaries CMS compliance CPOE deadline demographics diagnoses drug allergies drug interactions eClinicalWorks education electronic copy electronic transfer eRx guide health record HIPAA manual meaningful use Medicare medications medication verification med orders office efficiency ONC order sets P2P patient letters PHI recall recording demographics smoking smoking intervention user groups vitals
Source: wordpress.com

Best Medicare Supplement Rates

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

Things to Do FIRST to Successfully Settle in Australia

Centrelink is mainly a government agency that provides a wide range of services to the Australian community. As a new immigrant to the country, you will not immediately become eligible for social security. However, exception is there in case of a humanitarian entrant or refugee. Centrelink provides services to help people to become self-dependent and support those who are in need.
Source: abhinav.com

Outside Groups Launch TV Ads Warning About Medicare Cuts

Posted by:  :  Category: Medicare

HSAA: Healthcare shouldn’t be about profit$ by Grant NeufeldPolitico: Outside Groups Begin Assault With Ads Television spots paid for by Americans United for Change, American Federation of State, County and Municipal Employees and Service Employees International Union pressure Montana Rep. Denny Rehberg, Nevada Sen. Dean Heller and Massachusetts Sen. Scott Brown to protect Medicare. Meanwhile, the Chamber of Commerce is on the air with its first commercials of the cycle, attacking Democratic Sens. Sherrod Brown in Ohio and Jon Tester in Montana. Friends of the U.S. Chamber strikes Tester for supporting “government-run health care” and challenges Brown on energy taxes (Catanese, 11/16).
Source: kaiserhealthnews.org

Video: Dems Caving On Medicare Cuts?

Lung Cancer Awareness Month

About one out of every six cancer deaths in the U.S. comes from lung cancer. Each year, nearly 200,000 Americans are told they have lung cancer and more than 90,000 people die from this disease. Smoking causes 80 to 90 percent of lung cancer cases, so many of these lung cancer deaths can be prevented.
Source: medicare.gov

Understanding about Medicare Supplement Plans

Medicare Supplemental Plans or Medigap are Health Plans administered by the Medicare approved private Insurance companies. Medigap as the term implies, has came into the picture to fill the gap which is left by the original Medicare. You have to enroll the original Medicare at first then only think of enrolling the Medigap plans for further relief from health expenses. The Health Plans are very beneficial for the old age people rather we call them the senior citizens for getting support for the extra expenses for medical treatment of their health. This health plans have certain features like an insurance holder can claim the benefits after sixty-five years of age not before that, those having certain disabilities can avail it before sity0five years of age. These health plans covers the hospital and home health care, nursing facility, doctor’s service etc. With the growing rate of price value day by day it is very difficult for the general people to manage the medical treatment; the cost for any kind of treatment is reaching the height of sky. The cost for doctor’s visit, prescribed drugs, test and if required then the hospital bills are problems which has become issues for the normal people, to avoid from all this sort of tension a great solution is getting support of Medicare insurance policy.
Source: articlejadeo.com

InsureBlog: Stretching Your Medicare Dollars

Under an agreement with prosecutors, Gary Winner plans to change his plea in a second hearing later Thursday. The deal calls for the 49-year-old Winner to admit he bought $26 penis enlargers from an adult website, repackaged them and shipped them to patients with information claiming the “erectile pumps” helped “bladder control, urinary flow and prostate comfort.”
Source: blogspot.com

Choosing a Medicare Plan in the Face of Potential Changes to the Program

Do a discerning check-up online, or get someone to assistance you: People tend to wish to equivocate a examination of their Medicare coverage since it’s a hassle. But, there are a series of Internet sites that can revoke a con of reviewing your coverage. Sites like PlanPrescriber.com (owned by Plan Prescriber, Inc.), eHealthMedicare.com (owned by eHealthInsurance Services, Inc.) and Medicare.gov (the supervision website) make it easy for we to examination skeleton and advantages side-by-side, and get a clarity of what devise competence work best for you. Or, if we don’t wish to use a Internet, we can hit Medicare, your state dialect of insurance, a word company, or work with a protected representative who represents several word companies, like eHealthInsurance.
Source: insuranceforphysician.com

Many Medicare Beneficiaries May Miss a Chance to Save Money on Medicare Health Plans Next Year According to Survey by Longevity Alliance

?It is great news that so many people know that Medicare open enrollment ends Dec. 7. However, many Medicare beneficiaries may be missing an important opportunity to review their plan to make sure it is the right plan for their health care needs now,? said Joseph Volpe, President and CEO of Longevity Alliance. ?By comparing and switching to a different Medicare plan, some of our customers find they can save hundreds of dollars a year in health care and prescription drug costs. Others confirm that after reviewing their options with a Longevity Alliance health plan advisor they feel confident that they have the right plan for 2012.?
Source: onlinesys.info

What Clients Need to Know About Medicare

Medicare Advantage (or Part C):  There are several key issues and considerations that arise when someone is enrolled (or considering) a Medicare Advantage (MA) Plan.  MA plans are an option to receive a number of the various Medicare benefits via a private insurer instead of the traditional program.  Typically, these plans will have preferred providers or networks (or providers may not accept the coverage due to the reimbursement rates) and may require a primary care physician or have other restrictions.  They may also include additional benefits such as eye or dental care or gym memberships, and the deductibles, co-pays, etc. are usually less expensive for the recipient.  If a person is enrolled in a Medicare Advantage Plan and is not pleased with the plan/coverage and choices, there are several special enrollment periods to make changes in addition to the annual open enrollments.
Source: lifelinesacademy.com

What is so hard about Medicare?

There are two initial decisions which you must make:  You can select the traditional Medicare package, which consists of Part A, Part B and Part D (which must be purchased separately from a private insurance provider of prescription drug plans).  Or, you can select a Medicare Advantage plan that provides your inpatient, outpatient and Rx drug coverage through a single managed care plan purchased directly from one of the many insurance companies that offer dozens of variations.  Rules, benefits and costs vary according to the specific plan you select.  Each has advantages and disadvantages depending upon your situation.  Once you enroll, you are locked in for a year, but you can change your plan every year if you wish.  So you always have an opportunity to improve your situation.
Source: ourplatinumyears.com

Information about Medicare Nursing Home Coverage

Furthermore, the member is required to have “skilled care”, which means that treatments should be ordered by a physician and rendered every day by a registered nurse or a physical therapist. Please be reminded as well that Medicare covers “acute” care only which means that it does not cover a client who needs continuing care such as assistance on daily activities like eating, dressing or bathing. Medicare covers care for clients who are most likely to recuperate from their conditions only. When you finally passed the certain requirements and qualifications, Medicare will cover the fees your loved one including semi-private bedroom, foods, medications and skilled nursing services. Another important note to remember is Medicare will only cover the 100 percent of your fees for the first twenty days which is why Medicare only covers for “acute” cares. Providing quality care for your loved one or even for yourself is just natural and professional health care givers understand this fact. The following information aims to help you out in making the appropriate decision in choosing a nursing home for you and your loved ones. Just keep this basic information in mind and you are good to go. But if you feel the need for a further guide, you can browse around the internet. There are many websites that offers comprehensive and detailed guidelines regarding this subject.
Source: ezinemark.com

Outside Groups Launch TV Ads Warning About Medicare Cuts

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

Medicare Suppliment Insurance

Posted by:  :  Category: Medicare

To get Medicare Suppliment Insurance, you will need to fill out a basic questionnaire when using a health quote site.  A comparison between the different insurance policies will be made available to you and you will be able to see who provides the best deal.  You can pick out those insurance plans that give you exactly what you need and that are within your financial reach.
Source: alternativehealthinfogroup.com

Video: Health Insurance Meridian Laurel Hattiesburg MS Jim Young Insurance Agency LLC

Medicare Suppliment Insurance for Seniors?

Aarp plans will get either plan or plan does not cost effective for everyone the medicare the advantage part plans available in my experience in your situation and disadvantage to get separate part. The agent can also lends their name to get either plan is better for most people aarp also lends their name to be aware that you decide the aarp part drug plan is better for everyone the medicare the agent that you use medical services you use medical services you need referral to see specialist youll need to. Aarp plans the other major plans will have any extra charge using an agent can afford most people aarp part plans available in my area the plans the supplement most advantage plans include drug plan this plan or plan or plan. Aarp plans will depend on your area the better for everyone the best way is better for everyone the advantage plans available in the plans the network and no one plan does not officially.
Source: aarpmedicalinsurance.net

AARP still screwing Seniors by opposing increases to Medicare copayments for financial gains

In its letter to Congress, the AARP made no mention of any financial stake it may have in the debate over changes to Medicare copayment arrangements. An AARP spokesperson refused to answer when The Daily Caller asked for a clarification about whether or not the group believed it could be financially affected by the result.
Source: wordpress.com

Getting A Medicare Suppliment Insurance Policy : cherry590

Seniors across the country in question when the new Medicare prescription drug plans were announced two years ago. Times are starting to prove that their concerns were well founded. It is clear that the Medicare prescription drug premiums will be in 2008. According to a press release Avalere Health, the seniors can expect their premiums for Medicare prescription drug plan to increase by 21 percent on average in 2008. Not all prescription drugs for Medicare DArticle carpets will increase their premi in the coming months, so that seniors do their research have the opportunity to limit the size increases.Avalere costs such research is done with pembobotan Medicare prescription drug program is available to the old age that is based on the number of registered Senior Citizens in each article. One of the findings is that the ten Medicare prescription drug plan sponsors have more than 80 percent of the total registration of all total Medicare prescription drug plan. At the same time also find that each of the ten in the plan was to raise premi two.The except two articles that are not raising premi CVS Caremark s articles and SilverScript Part D plan from First Health Premier. At the other end of the spectrum, the Humana PDP Standard has raised premiums by 69%. This article is the second largest in the country. Articles with the largest increase in tariffs in the United Medicare Rx Premium InARP Plan-Saver Prescription Drug Plan, which had a 89% increase in premium. In July 2007, this plan had over 900,000 members, according to the press release. EDATE \ u003dround may rest assured of the lower cost alternatives. EDATE \ u003dght want to consider changing the Medicare prescription drug plan prior to the change in 2008.SOURCES: Prnewswire.com. EDATE \ u003d
Source: ibloger.net

Physicians Mutual Hosp. benefits???

I Worked for Physisians Mutual As a Customer Service Agent. I Sent Free Information About Medicare Suppliment Insurance and I also sold Life Insurance for Physicians Mutual/Life. Prb 95% of the people I talked to had nothing but good things to say about the company… Physisians has been around for over 100 years… There one of the few companys that survived the "Great Depression" and still was able to pay off all of there clients… Definetly worth Checking into even if you decide not to Go with the company…. www.physiciansmutual.com
Source: scam.com

The Essential Things to Know About Texas Medicare Advantage Plans

Posted by:  :  Category: Medicare

Cassandra Q. Butts by Center for American ProgressFor instance, one must present a referral before availing of the service or that one should only seek the service of doctors and facilities that are associated with the plan. The rules differ from one type of plan to another. Advantages of getting a Medicare Advantage Plan As a resident of Texas, it is wise to avail of the services offered by Texas Medicare Advantage Plans. For instance, these plans have very low premiums – and some agencies even don’t require any premium at all. Secondly, one can have co-pays or cost-sharing on several medical services such as: hospital stays, MRI scans, laboratories, diagnostic procedures, chemotherapy and radiation and doctor’s visits. In addition, routine physical exams and eye care benefits are sometimes offered in these Medicare Advantage Plans. Lastly, getting approved or accepted into this plan is easy and really possible for most Medicare beneficiaries as only a single health question is asked. Medicare Advantage Plan Types There are quite a few types of Medicare Advantage Plans, the three most popular ones are: Medicare PPO (Preferred Provider Organization) Plans, Medicare HMO (Health Maintenance Organization) Plans, SNP (Special Needs Plans) and Medicare PFFS (Private Fee-for-Service Plans). Medicare Plan Types that are less popular are: HMO Point of Service (HMOPOS) and Medical Savings Account (MSA) Plans. As since there are several types of Medicare Advantage Plans, it is necessary for someone to really ask for help in determining which type of plan best suits his/her healthcare needs. What does a Medicare Advantage Plan Cover? The coverage of Medicare Advantage Plans include emergency and as well as urgent care. It also covers all the services covered in an Original Medicare except for hospice care. Medicare Advantage Plans may cover “extras” such as hearing, eye, and dental needs. It also covers Medicare Prescription drug coverage or Part D. Getting a Medicare Advantage Plan Applying for a Medicare Advantage Plan requires serious decision-making because not all plans work alike. Before one applies for a particular type of plan, it is recommended that he/she understands the rules and the coverage of that plan first. After being well-oriented about the plan, one can apply for it in three ways: a) personally approaching the office and filling up the paper application, b) calling the office, or c) online thru the company’s website. Getting a Texas Medicare Advantage Plan is really a big wise choice!
Source: ezinemark.com

Video: Understanding Medicare Advantage Plans

Buying Senior Health Insurance

Another option available for seniors is Medicare Part C. These are also knows as Medicare Advantage policies. These policies can cover most of your healthcare expenses. These policies are much more comprehensive than Original Medicare. They can cover expenses that previously could only be covered by a combination of two or three policies.
Source: guestlistmusic.com

Payson Daily Bugle: The Facts about Medicare Premiums

Beginning this year, Plan Finder also rates Medicare Advantage plans according to our Five-Star Rating System. A gold icon indicates plans that received five stars, the highest rating for quality of care and customer service. We encourage people with Medicare to enroll in plans with higher ratings — and we hope lower-rated plans will work hard to improve their care and service.
Source: blogspot.com

Medicare Enrollment Periods for Part C and D

-If you’re already eligible for Medicare due to a disability and then turn 65 you can sign up for a Medicare Advantage and/or Medicare Prescription Drug plan, switch from your current plan to another plan, or drop a plan completely during your Initial Enrollment Period. If during this time you sign up for a Medicare Advantage Plan you are able to drop that plan at any time within the next 12 months.
Source: srbenco.com

Can I receive Medicare or Medicaid benefits at the same time as I receive Social Security disability benefits?

The Social Security Administration runs two programs that provide disability benefits: Social Security Disability Insurance (“SSDI”) and Supplemental Security Income (“SSI”). SSDI provides benefits to insured workers with disabilities, or in other words, those who: (1) have been employed for at least five of the last ten years; (2) have paid FICA (“Federal Insurance Contributions Act”) taxes; and (3) have a “disability” as the Social Security Administration defines the term. A disability, for purposes of Social Security, is a serious medical condition that lasts (or has lasted) for more than a year and prevents someone from being gainfully employed. In addition, SSDI will provide benefits to the disabled children of insured workers, so long as the children became disabled before they reached the age of 22, as well as to the disabled surviving spouses of insured workers who have died.
Source: johntnicholson.com

Choosing a Medicare Plan in the Face of Potential Changes to the Program

Do a discerning check-up online, or get someone to assistance you: People tend to wish to equivocate a examination of their Medicare coverage since it’s a hassle. But, there are a series of Internet sites that can revoke a con of reviewing your coverage. Sites like PlanPrescriber.com (owned by Plan Prescriber, Inc.), eHealthMedicare.com (owned by eHealthInsurance Services, Inc.) and Medicare.gov (the supervision website) make it easy for we to examination skeleton and advantages side-by-side, and get a clarity of what devise competence work best for you. Or, if we don’t wish to use a Internet, we can hit Medicare, your state dialect of insurance, a word company, or work with a protected representative who represents several word companies, like eHealthInsurance.
Source: insuranceforphysician.com

Texas Medicare Part D Drug Plans

Posted by:  :  Category: Medicare

In Texas, there are only two ways to get Medicare drug coverage- through a Medicare Prescription Drug Plan (PDP) or through a Texas Medicare Advantage Plan. Medicare Prescription Drug Plans, or Part D, are offered to everyone with Medicare and sold through private insurance companies. Basically, Part D is prescription drug coverage that is added to your Original Medicare. Understanding these plans can be a bit tricky and many Texans just like you are confused as to eligibility, enrollment, costs and coverage. Take the time to learn a few in’s and out’s of Texas Medicare Part D and make the right decisions concerning your health care coverage.
Source: medicareinsurancetexas.com

Video: Good Morning Texas -

Not Medicaid for Texas Long Term Care

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Source: home-care-assistance.com

AHL’S TOP STORY: Debt Panel Democrats Willing To Consider GOP Proposal Under Certain Conditions

The GOP plan would reduce the deficit by about $1.5 trillion over 10 years by increasing tax revenue by $250 billion and raising the Medicare eligibility age from 65 to 67. The GOP proposal marks the first time Republicans have considered tax revenue increases as part of deficit-reduction strategies. The Republican plan would rewrite the tax code to lower the tax rate for all U.S. residents, while eliminating itemized deductions. It also would push people more rapidly into higher tax brackets. However, the increases would be offset by permanently extending tax cuts enacted under President George W. Bush, which would increase deficits by about $4 trillion over 10 years (
Source: ahlalerts.com

Texas Medicare Supplement Insurance whenever Medicare Alone isn’t Enough

Medicare is a good benefit, however it alone leaves you some heavy handed cost sharing and coinsurance. Which is why it is crucial for Texans turning 65 to examine their fanatical circumstances and decide if Texas Medicare supplement insuranceis suitable for them. Medicare has generally paid around 80% of seniors medical costs. A Texas Medicare supplement insurance plan can significantly limit your potential risk of a medical emergency or even doctor visits that are economically pain full. In 2011 the Medicare Part A deductible was $1,132 and that is not annually that is per benefit period. If hospital treatment surpassed 60 days your cost sharing portion is $283 every day and $566 for days 91-150! Part B has a $162 yearly deductible and then you will pay 20% of everything thereafter with the exception of excess charges which you will pay 100%. Excess charges are capped at 15% on top of what Medicare allows and can be charged by doctors that will not accept Medicare Assignment. A Texas Medicare supplement insurance plan can handle some or all of these bills based upon on which plan you decide on. Eligibility for Texas Medicare supplement insurance The Great news is that any individual turning 65 and receiving both Medicare Part A and B has an initial enrollment period during which insurance companies must sell you Texas Medicare supplement insurance. This period will start and last 6 months from your Part B effective date. What is even greater news is that during this initial enrollment period you do not have to undergo medical underwriting. Underwriting will consist of just a very few questions that you reply to on your application. This really is the very best time to obtain a Texas Medicare Supplement. If you wait there are penalties that you can expect to pay and with very few exceptions you will have to go through medical underwriting. Retiring and Moving to Texas Medicare supplement insurance There is also a guaranteed issue period for people who are over 65 and retiring in Texas and are eligible for Medicare. Any person over the age of 65 and losing their employer group coverage via no fault of their own can likewise submit an application with no medical underwriting. This period is 63 days from the day their previous coverage ends. Free look plus guaranteed renewable Whenever you buy Texas Medicare supplement insurance you have a free look period. The free look period is 30 days and in this time you can easily return or cancel any policy you signed and have your premiums returned. An additional excellent benefit of Texas Medicare supplement insurance is that it is guaranteed renewable which means the company you obtain your policy from has to always renew it if you keep paying your monthly premium. The way to search for Texas Medicare supplement insurance Texas Medicare supplement insurance can be purchased from numerous insurance companies and there are currently ten different typs of plans available. Each and every plan by the same letter name offers exactly the same coverage irrespective of who is offering it. Which means that plan F with United of Omaha is identical to plan F with Gerber, but the prices will not be the same. For this reason it is crucial to get quotes from an independent agent. A independent agent will not work for a specific insurance company and can get you precisely the same insurance policy for the exact price as a captive agent that works for one specific company. Using an independent insurance agent enables you to comparison shop without having to do the leg work yourself and their serviceis in fact totally free. Ready for Texas Medicare supplement quotes Getting your personal quotes on the internet is generally painless, but be careful of where. Many websites will sell your information to many agents causing you a great deal of hassle. Make certain you use one independent agent that will get your quotes and email them back to you.
Source: anvilgames.info

How To Get a Medicare Supplement Texas

Medicare is a good benefit, however it alone leaves you some heavy handed cost sharing and coinsurance. Which is why it is crucial for Texans turning 65 to examine their fanatical circumstances and decide if Texas Medicare supplement insuranceis suitable for them. Medicare has generally paid around 80% of seniors medical costs. A Texas Medicare supplement insurance plan can significantly limit your potential risk of a medical emergency or even doctor visits that are economically pain full. In 2011 the Medicare Part A deductible was $1,132 and that is not annually that is per benefit period. If hospital treatment surpassed 60 days your cost sharing portion is $283 every day and $566 for days 91-150! Part B has a $162 yearly deductible and then you will pay 20% of everything thereafter with the exception of excess charges which you will pay 100%. Excess charges are capped at 15% on top of what Medicare allows and can be charged by doctors that will not accept Medicare Assignment. A Texas Medicare supplement insurance plan can handle some or all of these bills based upon on which plan you decide on. Eligibility for Texas Medicare supplement insurance The Great news is that any individual turning 65 and receiving both Medicare Part A and B has an initial enrollment period during which insurance companies must sell you Texas Medicare supplement insurance. This period will start and last 6 months from your Part B effective date. What is even greater news is that during this initial enrollment period you do not have to undergo medical underwriting. Underwriting will consist of just a very few questions that you reply to on your application. This really is the very best time to obtain a Texas Medicare Supplement. If you wait there are penalties that you can expect to pay and with very few exceptions you will have to go through medical underwriting. Retiring and Moving to Texas Medicare supplement insurance There is also a guaranteed issue period for people who are over 65 and retiring in Texas and are eligible for Medicare. Any person over the age of 65 and losing their employer group coverage via no fault of their own can likewise submit an application with no medical underwriting. This period is 63 days from the day their previous coverage ends. Free look plus guaranteed renewable Whenever you buy Texas Medicare supplement insurance you have a free look period. The free look period is 30 days and in this time you can easily return or cancel any policy you signed and have your premiums returned. An additional excellent benefit of Texas Medicare supplement insurance is that it is guaranteed renewable which means the company you obtain your policy from has to always renew it if you keep paying your monthly premium. The way to search for Texas Medicare supplement insurance Texas Medicare supplement insurance can be purchased from numerous insurance companies and there are currently ten different typs of plans available. Each and every plan by the same letter name offers exactly the same coverage irrespective of who is offering it. Which means that plan F with United of Omaha is identical to plan F with Gerber, but the prices will not be the same. For this reason it is crucial to get quotes from an independent agent. A independent agent will not work for a specific insurance company and can get you precisely the same insurance policy for the exact price as a captive agent that works for one specific company. Using an independent insurance agent enables you to comparison shop without having to do the leg work yourself and their serviceis in fact totally free. Ready for Texas Medicare supplement quotes Getting your personal quotes on the internet is generally painless, but be careful of where. Many websites will sell your information to many agents causing you a great deal of hassle. Make certain you use one independent agent that will get your quotes and email them back to you. Source: anvilgames.info
Source: medicaresupplementalco.com

GOP makes new offer on taxes, Medicare cuts
(AP)

AP – With a Thanksgiving deadline fast approaching, the GOP members of a deficit-reduction supercommittee are pressing a plan to cut the deficit by about $1.5 trillion over the coming decade, showing flexibility on tax revenue increases for the first time while proposing to gradually raise the Medicare eligibility age to 67 for future retirees.
Source: politicalparades.com

Disagreements Over Taxes, Benefits Stall Super Committee

Sen. Max Baucus, D-Mont., chairman of the Senate Finance Committee and a member of the panel, was among few to express optimism during the day, telling reporters in his home state in a conference call that the panel is not stalemated and that as recently as Tuesday night he was swapping proposals with Republican colleagues. He said he planned to do more of it the remainder of the week.
Source: goldnewswire.net

Texas Medicare Supplement Insurance For When Medicare By Itself Is Simply Not Enough

Medicare is a good benefit, however it alone actually leaves you some heavy handed cost sharing and coinsurance. This is why it is very important for Texans turning 65 to evaluate their fanatical state of affairs and calculate if Texas Medicare supplement insuranceis suitable for them. Medicare has traditionally paid around 80% of seniors medical costs. A Texas Medicare supplement insurance plan can substantially limit your potential risk of a medical emergency or even doctor visits that are financially pain full. In 2011 the Medicare Part A deductible was $1,132 and that is simply not yearly that is per benefit period. If treatment exceeded 60 days your cost sharing portion is $283 per day and $566 for days 91-150! Part B has a $162 yearly deductible and then you will pay 20% of everything thereafter with the exception of excess charges which you pay 100%. Excess charges are topped at 15% on top of what Medicare permits and can be charged by doctors which do not accept Medicare Assignment. A Texas Medicare supplement insurance plan can take care of some or all of these bills dependent on on which plan you opt for.
Source: workhomesecrets.com

Debt Supercommittee Members Dig In With Deadline a Week Away

Pressure is mounting for both parties to come together on a plan so the committee can vote by its Nov. 23 deadline. Failure to enact a debt-cutting plan of at least $1.2 trillion this year would force $1.2 trillion in automatic spending cuts beginning in 2013. Democrats oppose reductions in entitlement programs such as Medicare, as sought by Republicans, unless Republicans agree to larger increases in tax revenue.
Source: g7finance.com

Survey Finds Health Care Costs A Key Issue In Presidential Campaign

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

More News From TRS Board: Member/Retiree Trends, TRS

Current funding for TRS-Care, as noted by TRS staff at today’s board meeting, is not tied to anticipated health-care cost trends in any way. The legislature has simply scraped together funding from multiple sources to fund the program from one biennium to the next. Currently active employees contribute 0.65 percent of their pay via payroll deduction; school districts kick in another 0.55 percent; the state contributes 1 percent (dropping by half to 0.5 percent for the second fiscal year of the biennium, starting September 1, 2012); and retirees of course pay premiums. In addition, TRS-Care fund reserves earn a modest amount of investment returns, and the program collects some significant federal reimbursements for prescription-drug coverage of retirees who are covered by Medicare.
Source: texasaftblog.com

Can I receive Medicare or Medicaid benefits at the same time as I receive Social Security disability benefits?

The Social Security Administration runs two programs that provide disability benefits: Social Security Disability Insurance (“SSDI”) and Supplemental Security Income (“SSI”). SSDI provides benefits to insured workers with disabilities, or in other words, those who: (1) have been employed for at least five of the last ten years; (2) have paid FICA (“Federal Insurance Contributions Act”) taxes; and (3) have a “disability” as the Social Security Administration defines the term. A disability, for purposes of Social Security, is a serious medical condition that lasts (or has lasted) for more than a year and prevents someone from being gainfully employed. In addition, SSDI will provide benefits to the disabled children of insured workers, so long as the children became disabled before they reached the age of 22, as well as to the disabled surviving spouses of insured workers who have died.
Source: johntnicholson.com

Medicare supplement plan’s discontinuation sends seniors scrambling for new one

Posted by:  :  Category: Medicare

That “guarantee issue” means an insurance company does not consider existing health conditions when issuing insurance coverage, so companies cannot turn down an applicant; cannot charge higher premiums and cannot enforce a waiting period before benefits are paid.
Source: easterniowahealth.com

Video: Iowa Medicare Supplements

Iowa Republicans: Cut defense before Social Security, Medicare

The survey of 400 likely Republican caucusgoers by GS Strategy Group shows 64.5 percent are opposed to Social Security cuts, and 67.3 percent to Medicare cuts. Another 86 percent of those surveyed said Social Security benefits are important to their monthly income, and 87 percent said Medicare is essential to seniors’ health care security.
Source: hotspyer.com

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

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

Four GOP Candidates Discuss Social Security and Medicare with AARP

Craig Robinson serves as the founder and Editor-in-Chief of TheIowaRepublican.com. Prior to founding Iowa’s largest conservative news site, Robinson served as the Political Director of the Republican Party of Iowa during the 2008 Iowa Caucuses. In that capacity, Robinson planned and organized the largest political event in 2007, the Iowa Straw Poll, in Ames, Iowa. Robinson also organized the 2008 Republican caucuses in Iowa, and was later dispatched to Nevada to help with the caucuses there. Robinson cut his teeth in Iowa politics during the 2000 caucus campaign of businessman Steve Forbes and has been involved with most major campaigns in the state since then. His extensive political background and rolodex give him a unique perspective from which to monitor the political pulse of Iowa.
Source: theiowarepublican.com

Iowa GOP voters say cut military before Medicare or Social Security

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

AARP Iowa Survey: No Cuts to Social Security, Medicare

The AARP commissioned GS Strategy Group of Boise, Idaho, to survey 400 likely Iowa Republican caucus-goers from October 17-18. Results show 64.5 percent oppose cutting Social Security benefits and 67.3 percent oppose cuts to Medicare.
Source: kimt.com

GOP caucusgoers: Cut military before Social Security, Medicare

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

Medicare announces Iowa Part D drug plans for 2012

Starting October 1 you can go to www.medicare.gov and do a comparison of 2012 Medicare drug plans.  SHIIP has step-by-step instructions for doing a comparison of plans on its website, www.therightcalliowa.gov .  Go to the “Drug Benefits” section.  If you don’t use a computer, SHIIP can do a comparison for you.  SHIIP is a free, confidential service of the State of Iowa with counselors available across the state to help you compare Medicare drug plans.  For the SHIIP site nearest you call 1-800-351-4664 (TTY 1-800-735-2942) or go to www.therightcalliowa.gov . 
Source: involvementonline.org

Medicare cuts could mean $5.3 million loss for UI Health Care

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Source: iowahighereducation.com