How to detect and avoid medicare fraud

Posted by:  :  Category: Medicare

Use these ways just to make sure you won’t be a victim of medicare fraud. Fifth, only give your information to those who give you the medical services. These people are usually more trustworthy. Telemarketers who ask for your personal information should give you a hint that they are just after your identity. Be aware of this and you will keep your sanity. Sixth, do not share blank insurance claim forms. These can be used to take money from your own plan. If the lawless element has your signature, he can use the blank insurance claim form to take money that you have worked hard to invest on. Seventh, keep a record of your medical appointments. Just to make sure that you have proper records of your hospital visits. These can be used to claim your benefits. Eighth, during the finalization of your chosen medicare plan, review the plan well. Read the fine print. Make sure that the contents of the contract are the same as what you have agreed upon verbally. Some frauds tell something but do some other thing. Do not fall for this trap. You sure know better than this. Protect yourself at all times. Now that you have these basic tips to prevent and avoid medicare fraud, go now and procure a medicare plan for yourself. Get peace of mind by following these simple steps to getting your own medicare plan – minus the headaches that are brought about by frauds.
Source: ezinemark.com

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

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Source: ablog.ro

Revised Medicare Provider

Under PPACA, CMS can impose a temporary enrollment moratorium on new Medicare providers and suppliers when the agency determines that there is a significant potential for waste, fraud, or abuse by the applicant type or geographic area. While the final rule for this regulation was published more than eight months ago, CMS has failed to impose a single temporary moratorium. Today, the Department of Justice (DOJ) and the HHS-OIG are operating strike force initiatives in seven States (California, Florida, Illinois, Louisiana, Michigan, New York, and Texas), including Miami, Florida.  All of these areas, particularly Miami, have historically been vulnerable to Medicare fraud and are high risk areas for programmatic vulnerability. However, to date, CMS has failed to exercise its authority to protect against fraud. The National Health Care Anti-Fraud Association has estimated that as much as $60 billion is lost to fraud, waste and abuse across the Federal health care programs.
Source: medicaresupplementalco.com

Medicare Physician Revalidation Extended Two Years to March 2015 and a Sample Revalidation Letter

In accordance with the Patient Protection and Affordable Care Act, Section 6401 (a), all new and existing providers must be reevaluated under the new screening guidelines in Section 6028. Medicare requires all enrolled providers & suppliers to revalidate enrollment information every five years (reference 42 CFR 424.57(e)). To ensure compliance with these requirements, existing regulations at 42 CFR 424.515(d) provide that CMS is permitted to conduct off-cycle revalidations for certain program integrity purposes. Upon the CMS request to revalidate its enrollment, the provider/supplier has 60 days from the date of this letter to submit complete enrollment information using one of the following methods: Providers and suppliers can enroll in the Medicare program using either the:
Source: managemypractice.com

Beware of Medicare Scammers

Health care fraud isn’t a new problem. In 2007, the U.S. Office of Management and Budget reported that Medicare and Medicaid made an estimated $23.7 billion in improper payments. According to the U.S. Senate Permanent Committee on Investigations, Medicare paid dead physicians 478,500 claims totaling up to $92 million from 2000 to 2007. An Inspector General report by the Department of Health and Human Services showed that nearly one of three claims (29 percent) Medicare paid for durable medical equipment was erroneous in FY 2006.
Source: unitedspinal.org

What is a health insurance card?

Health insurance cards in Europe serve a different purpose than those in the United States. Since most European countries have state sponsored health insurance, your card serves the purpose of allowing you to obtain free medical services when you are visiting another country in Europe. It contains information that another country’s medical staff would need in order to treat you.
Source: healthinsuranceproviders.com

Durbin Introduces Bill to Protect Medicare Card Holders from Identity Theft

“Nearly 8.1 million people were victims of identity theft last year alone – many after their Social Security numbers were stolen – and these crimes accounted for more than $37 billion in fraudulent charges,” said Durbin. “Instead of leading by example, the federal government is lagging behind private health insurers and other public agencies in protecting Medicare recipients from identity theft. CMS’s continued use of Social Security numbers on Medicare cards needlessly places people at risk. This bill would ensure that a premium is placed on security and that personal information is protected.”
Source: senate.gov

HMO Medicare Review: Blue HMO, Humana HMO, and HMO Aetna Plans Reviewed

Posted by:  :  Category: Medicare

Medicare Advantage plans are insurance policies sold by private companies which include the base coverages offered by Original Medicare (Parts A and B) with additional benefits added on. Essentially, Advantage policies are enhanced Medicare plans which beneficiaries, who choose to forgo the federally-funded public plan, may purchase privately.
Source: suite101.com

Video: Switch to Blue Shield 65 Plus

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Source: bloguez.com

Cigna Medicare Plans And Blue Cross Medicare Plans An Overview

HMO (Health Maintenance Organization) plans are the least expensive option. The effect of lower cost is reflected as restricted access to health care. Plans have a set monthly fee, covering doctors within the plan. If you visit a doctor outside of the plan, you are then responsible for the bill. Within a given plan, you have given the right to choose a Primary Care Physician (PCP) who will look after your care. The HMO CIGNA medicare plans cover regular and preventive care costs, referrals to a network specialist or facility when necessary, treatment for injuries and illness. There is no need of paying any additional fees in HMO plans as it has no fees for doctor visits. The CIGNA Part D plan is called CIGNA Medicare Rx offers coverage for 94% of available drugs, access to over 58,000 network pharmacies, no deductibles for select plans, no copayments for common drugs and diseases like diabetes and drug pressure. The CIGNA plan D in turn offers three types of plans namely, Plan 1, Plan 2 and Plan 3.
Source: eta09.com

Blue Medicare – Blue Cross Blue Shield Medicare: A Guide to BCBS Medicare Advantage, Part D, and Supplemental Plans

Blue Medicare PPO – under this plan, beneficiaries have the freedom to either access the company’s network of health care providers or go outside of the network (though going outside the network incurs greater costs.) There are low copayments for primary care physicians and specialists, and monthly premiums are both predictable and affordable. The plan includes generic drug coverage at little-to-no cost and provides emergency nationwide coverage;
Source: suite101.com

Blue Cross Blue Shield of Michigan Offers New Medicare Plans

HMO’s (health maintenance Organizations) let you select a primary care physician from the BCBS provider network and this PCP manages your overall care. He or she will refer you to a specialist or to a selected hospital for care should you need additional services beyond his scope of practice. Referring yourself to an outside provider will cause a forfeit of benefits and out-of-pocket costs. The four BCBSM HMO products, formerly known as Options 1, 2, and 3, will now be known as BCN Advantage Elements, Classic , and Prestige. The Blues Care Network will also continue to offer the BCN Advantage Basic Plan.
Source: emaxhealth.com

determine Blue unfriendly Medicare Insurance opinion To bag Complete Coverage

People must become a section of Blue irascible Medicare insurance idea because the Medicare insurance plans that they have do not shroud the entire expense. The fact is Medicare will only screen about 80 percent of the medical expenses. The balance 20 percent must be financed by the person who is covered under the opinion. As most people under Medicare are seniors, who are above the age of 65, it often becomes difficult for them to afford even this 20 percent. Many of these people are not even obedient of working to rep money. Therefore, their income is not sufficient to camouflage for the allotment of the expenses they might have to hold.
Source: mexicoentucorazon.com

Blue Cross seeking changes to individual HMO planBlue Cross seeksplan

Blue Cross seeking changes to individual HMO plan Blue Cross seeksplan deductibles For the second time in a month, Blue Cross of Northeastern Pennsylvania has filed a request to make changes to a health insurance plan for individuals who have lost coverage through their employer, a move an expert said Free Mobile App Helps Blue Cross Blue Shield of Delaware Members Locate Doctors and Hospitals On The Go WILMINGTON, Del., Aug. 11, 2011 /PRNewswire-USNewswire/ — Delaware residents can now locate a doctor, hospital or urgent care center with the new Blue National Doctor & Hospital Finder(R) app for iPhone(R) , iPad(R) and iPod(R) Touch.
Source: medicare-news.com

A Medicaid Cure: Florida’s Medicaid Reform Pilot

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSThe Reform Pilot showed the importance and impact of tracking patient satisfaction and health outcomes—something too few states do even now. Building on this, the Statewide Reform requires plans that are awarded contracts for each region to maintain those contracts, absent gross negligent behavior, for five years. This provides continuity for patients and encourages long-term provider contracting and better networks for patients. In addition, plans are required to increase reimbursement to physicians, matching Medicare rates, to expand access; host online the listing of the prescription drug formulary; accept prior authorization requests electronically; have adequacy standards for provider networks; publish quality data measures online; and host an up-to-date online service that shows patients the physicians, specialists, other health providers, and hospitals in their networks, as well as whether or not they are accepting new patients and their contact information and working hours.
Source: floridafga.org

Video: Income: Too much to qualify for Medicaid?

2011 Expiring Tax Breaks. Which Ones Will Be Extended into 2012?

Under special provisions that have been extended a number of times, older owners of individual retirement accounts (IRAs) have a different way to give to charity. An IRA owner, age 70½ or over, can directly transfer tax-free up to $100,000 per year to an eligible charity. These charitable donations count as IRA required minimum distributions. So, charitably inclined seniors with more IRA money than they need can reduce taxes by arranging for IRA donations to take the place of taxable required minimum distributions.
Source: savingtoinvest.com

MEDICARE RECIPIENTS MAY QUALIFY FOR FINANCIAL ASSISTANCE THROUGH THE LOW

Appointments are available to receive assistance in completing the Medicare Savings Programs / Low Income Subsidy application.  Staff will help individuals get answers to questions, review Medicare plans and determine if the individual might be eligible for the assistance.  There will also be outreach events held at the Senior Centers on the following days in October:
Source: ning.com

Bogleheads • View topic

There aren’t income limits, but what your advisor is saying is quite possible. It’s only for a 2010 conversion that you can split the tax across two years. For a 2011 conversion, you must pay all the tax on your 2011 return (in 2012). Suppose that, say, you’re married filing jointly with taxable income outside of this of around $107,000. That puts you in the 25% bracket. If you don’t split and pay tax on the full $30k of conversion income each year, you stay in the 25% bracket (tops at $137.3k) and pay .25 * $30k = $7500 in tax each year for a total of $15000. By contrast, if you split the tax on the first conversion, then you pay .25 * $15k = $3750 for tax year 2010 (in 2011), and pay the same $3750 for tax year 2011 (in 2012). However, that brings your 2011 taxable income up to $107k + $15k = $122k. If you converted another full $30k, then the last $15k would be in the 28% tax bracket, so you’d owe tax on the second conversion of $3750 + .28 * $15k = $3750 + $4200 = $7950. Total tax of $3750 in 2011 and of $3750 + $7950 = $11700 in 2012, for a total of $15450. That’s $450 in extra taxes paid in exchange for delaying $3750 of taxes from tax year 2010 to 2011. Worth it if you think you can get a 12% return on your $3750 in a year, but I doubt it. On the other hand, you could choose to only convert another $15k in 2011. However, while normally what you’d be losing out on would only be taxes on the extra earnings until you manage to convert it all, if rates go up, you lose more, because your conversion will be taxed at the new higher rate.
Source: bogleheads.org

Thinking About The New Medicare Taxes 

Anyway, if you are in these income ranges, you may want to start thinking about the year after next. I can immediately see the appeal of Roths and municipal bonds under this tax regime, as they will not increase one’s AGI. On a darker side, I wonder if we will see  higher-income singles less willing to marry – or alternatively higher-income marrieds more willing to divorce – for tax reasons.  Taxes encourage changes in behavior. We just don’t know yet what changes these will encourage.
Source: kruseandcrawford.com

California Medicare Advantage Plans

This MA plan type involves a lot of paying lower copayments instead of seeking referrals from outside providers. California has two area-based PPOs launched in January 2011. PPO 1 focuses on Medicare Part D coverage while PPO 2 covers deductible health care benefits. The common denominator of these two PPOs is that they share annual limits from unlimited pocket costs. PPO pays 100% of the entire covered Medicare services every last quarter of the year. 4. Medical Savings Accounts (MSAs) – This MSAs for Medicare were already available in California prior to its launch in 2007. Four years later, MSAs in Medi-Cal (Medicare California) were divided into two parts: * Single Medical Savings Account – An independently owned bank account financed by Medicare Deposits for voluntarily payment of deductible health care services. * High-Deductible Health Care – An MSA plan which focuses in covering Medicare Parts A and B, excluding non-deductible services. 5. Special Needs Plans (SNP) – This MA plan is designed for a certain demographic. The SNP can limit the number of enrollees in some health care facilities such as nursing homes, clinics etc. Also, the SNP can limit the number of people qualifying for “Dual-Eligible” services provided by Medi-Cal. Most of the time, SNP is not considering enrollees with rare disabling conditions or chronic illnesses. The mission of SNP is to provide health care insurance and other services to individuals who can benefit from specialized network providers.  
Source: ezinemark.com

Getting Extra Help With Medicare Part D Plans Costs

Resources are a person’s assets such as bank accounts, investments in stocks and bonds, mutual funds, IRA plans and investment in real estate. The limits for resources held by a person to qualify for the extra help are $12,510 for single persons and $25,010 for married individuals. These assets’ values are added to calculate the maximum allowable for extra help with Medicare prescription drugs costs. A person’s main residence, car and life insurance policies (as of January 2010) are not part of the resources limit test.
Source: suite101.com

Enjoy Best of Health during Festival Season and Upcoming New Year Choosing Right Health Plan Under Medicare or Not

Sudhir Mathuria, a Houstonian for over 30 years, has been an active participant in various community associations. He is a licensed proffesional for Medicare and Medicaid related health care plans. He can be reached by phone at 713-771-2900 or via email at sudhir@MyMedicarePlanning.com. For more information, visit: www.MyMedicarePlanning.com
Source: indoamerican-news.com

Mississippi State Benefits

The AARP Foundation is AARP’s affiliated charity. Foundation programs provide security, protection and empowerment for older persons in need. Low-income older workers receive the job training and placement they need to re-join the workforce. Free tax preparation is provided for low-and moderate-income individuals, with special attention to those 60 and older. The Foundation’s litigation staff protects the legal rights of older Americans in critical health, long-term care, consumer and employment situations. Additional programs provide information, education and services to ensure that people over 50 lead lives of independence, dignity and purpose. Foundation programs are funded by grants, tax-deductible contributions and AARP.
Source: familyfinancialhelpusa.com

Ask The Experts: Retirement

First, please review previous Q&As to see if your question already has been answered. If you cannot find the answer, submit your question to our Retirement expert at fedexperts@federaltimes.com PLEASE NOTE! Do not submit ANY questions via the Comments form. Questions submitted via the Comments form will NOT be answered!
Source: federaltimes.com

Help During Your Pregnancy

Families who are approved for TANF will receive payments for six months. HHSC will send a renewal application to the family before the end of the six months. Monthly cash payments help pay for food, clothing, housing, utilities, furniture, transportation, telephone, laundry, household equipment, medical supplies not paid for by Medicaid and other basic needs. The amount of the TANF payment depends on family size and income. HHSC provides TANF payments through the Lone Star Card – an electronic debit card that is used like a credit card at the cash register. For more information about the TANF Program you may visit the program’s website here, or call 2-1-1 for help from the United Way.
Source: myadoptionanswers.com

Medicare Will Screen for Fraud in Florida, NY and CA

Posted by:  :  Category: Medicare

Cut spending not deals (but nurses support medicare for all) dueling signs outside Obama fundraiser at the Westin St Francis, Union Square - San Francisco by Steve RhodesBeginning Jan. 1, Medicare auditors will review claims before they are paid in Florida, California, Michigan, Texas, New York, Louisiana and Illinois. The idea is to block fraudulent claims rather than follow the usual “pay and chase” method of trying to recover payments already made.
Source: gestetnerupdates.com

Video: Melin Medicare Insurance Services-Senior Health Insurance,Medicare Supplement Plans,Santa Clara,CA

CA's GOP Representatives Vote to End Medicaid/Medicare, Shift Billions of Cost to California

First, it costs us more as a society to cut those incredibly successful, life saving programs than it does to run them. A much, much better way is to cut military defense (we spend more than rest of the world combined) and end the wars. Then, its about raising taxes on the SUPER rich (who are paying less in taxes than they have since 1931…get the connection? And, the top 1% own 40% of the wealth now…Oligarchy anyone?), closing corporate tax loopholes (2/3’s of fortune 500 pay NO INCOME TAXES), end massive corporate welfare programs (like subsidizing the oil industry), and instituting a .25 transaction tax on stock (raises nearly $100 billion a year while also reducing wall street casino gambling). These ideas not only raise the revenue needed, but it avoids sentencing tens of thousands of Americans to death, as eliminating Medicare and Medicaid would.
Source: californiaprogressreport.com

Dave Fluker’s California Health Insurance Blog: Blue Shield CA Continues ‘New to Medicare’ Supplement Discount

Blue Shield of California currently offers a discount of premium for the first 12 months to those who are turning 65 or otherwise “new to Medicare”. The discount is $20.00 per month off of the premium for each of the first 12 months. For those who wish to use the checking deduction payment options (EFT), an additional $2 discount is available. In addition, Blue Shield CA Medicare Supplement plans include Silver Sneakers at no additional cost. Blue Shield is planning to continue the discount for those “new to Medicare” into 2012. This discount combined with the free Silver Sneakers benefit makes Blue Shield Medicare Supplements very competitive in California. For more information, give me a call, e-mail or use the Information Request Form on my web site. Dave
Source: blogspot.com

Disability, Medicare/ Medicaid, Social Worker?

Hi, I’m new to this board. Diagnosed Autoimmune Disease in 1998 (rare for a male), attacking liver. Gained 90 lbs on Prednisone, finally got off it by use of Milk Thistle. Was managing well until last year (2010) when I started seeing problems again, pale stool, etc. Diagnosed with cirrhosis Jan 2011 and my MELD score is 22 so I should be on the transplant list, but in the meantime I stopped working. I have no job, no unemployment benefits, no insurance or doctor. My questions are:
Source: supportgroups.com

CA hospital chain’s bill to Medicare raises suspicion

The blog will link to past featured stories until they are available through IRE’s Resource Center. Please be aware that some links to older stories may have changed or be otherwise unavailable. Some stories are available to members from the IRE Resource Center’s collection. Search the story database. If your story is included in Extra! Extra! and you would like to add a copy to the Resource Center, Click Here to download a form to mail with your story.
Source: ire.org

React & Act: Medicare, money and your hospital experience

Medicare pays hospitals based on the severity of the medical condition, which is determined by the patient’s primary diagnosis, surgical procedures and medical complications. These documents also inform Medicare whether conditions were “present on admission.” This is of interest to Medicare authorities who track whether a patient walked into a hospital with or without an infection or bedsore or other conditions that can arise during a hospital stay as a result of inadequate care.  Hospitals can lose funding in cases in which patients develop medical problems during a hospital stay.
Source: californiawatch.org

Medicare Meeting in La Honda

Christina Kahn, Community Outreach Coordinator for the Health Insurance Counseling and Advocacy Program (HICAP) will meet with individuals from the La Honda and Pescadero communities to discuss the upcoming changes in Medicare coverage in 2012.  She will also present comparisons and other information about current supplemental health insurance options (please note that if  you wish to change your Medicare coverage in any way, you can do so between October 15 and December 7, 2011).  The meeting will take place at the Puente Office in Downtown La Honda and is sponsored by the La Honda 55+ Program.  HICAP, an information and counseling service, is supported by the local Agency on Aging.  They do not represent or advocate for particular insurance or healthcare entities and appointments with HICAP Counselors are typically made through senior centers.
Source: pescadero-california.com

Humana to Acquire Another CA

Scott Fidel of Deutsche Bank notes that while small, the deal is notable because it highlights Humana’s push to expand its Medicare business in the westernU.S.– an area dominated by UnitedHealth/Pacificare, Kaiser and WellPoint.  Humana has historically had a strong Medicare presence in the south andMidwest.  Humana has a total of 4.4 Medicare members, including 1.9 million Medicare Advantage lives and 2.5 million Medicare drug lives.  The MD Care deal accounts for less than 1% of Humana’s Medicare Advantage members.  Total Medicare lives in California are about 200,000.
Source: corporateresearchgroup.com

Health Care Reform and Medicare

The Organizing For America Tri-Valley Progressives group is sponsoring another informational forum for the general public. Amanda Baldwin, Community Education Coordinator for the Health Insurance Counseling & Advocacy Program (HICAP), will be presenting an informative overview of Health Care Reform and Medicare, and will answer audience questions. This is a good chance to get information to help with your health care enrollment decisions.
Source: patch.com

IT Tools Helped Curb Improper Medicare, Medicaid Payments

Posted by:  :  Category: Medicare

Friends of Medicare Healthcare Rally by dave.cournoyerOn Tuesday, the Obama administration announced that its efforts to reduce improper payments by federal programs, including Medicare and Medicaid, have saved $17.6 billion in the last year and that IT tools played a role in achieving the savings, Healthcare IT News reports (Manos, Healthcare IT News, 11/15).
Source: ihealthbeat.org

Video: 2010 Medicare Quote Engine Demonstration Video

modern 2010 Modernized Medicare Supplement Plans

Medicare insurance is a health insurance program for citizens who are over 65 years passe. it covers different types of treatments, doctors visits as well as hospitalization and many other medical related expenses apart from those that are incurred by care for the long term. It takes care of up to 80% and depends on a number of things such as the type of coverage the patient is under. There are times where people are not able to obtain co-payment in cash and therefore they opt for Medicare supplemental insurance that are available and managed by different companies but work with Medicare guidelines National Medicare supplements approach with 12 options from which the clients can settle. Though they all have different types of terms and conditions, they bask in the basic Medicare benefits. The incompatibility is seen in the premium, as well as the expenses that the client will pay which vary from one company to the other.
Source: medicaresupplementalinsurances.org

Medicare Spending on Imaging in Decline, MITA Says

“Current evidence, including this analysis, debunks the myth that imaging is significantly overused and somehow responsible for escalating healthcare costs. Unlike other areas of medicine, imaging utilization and spending are on the decline,” said John A. Patti, MD, chairman of the American College of Radiology Board of Chancellors. “According to these data, the goal of bending the cost curve has indeed been achieved for medical imaging. Any further reductions would represent socially irresponsible policy.”  
Source: diagnosticimaging.com

House Republicans Take Aim At Andy Griffith’s Medicare Ad

If this message is important for all seniors to hear, please provide us with an explanation for why it was decided, and by whom, to only run these advertisements in certain areas of the country.  As part of that, please provide all documents, including emails and other communications with the White House, the Democratic National Committee, Democratic Congressional Campaign Committee, and Democratic Senatorial Campaign Committee that pertain to the basis for decisions about where to run these advertisements.
Source: thehayride.com

Medicare Announces Prepayment Review And Prior Authorization Demonstration Project For Power Mobility Devices

The prior authorization demonstration does not create new documentation requirements for providers and suppliers – it simply requires them to provide the information earlier in the claims process. After receiving the prior authorization request, Medicare will conduct a medical review and communicate the coverage decision (based on Medicare policies such as National Coverage Determinations (NCD) and Local Coverage Determination (LCD) to the patient, provider and supplier within 10 business days of receiving the request. Under rare, emergency circumstances, Medicare must complete this process in 48 hours. Physicians or treating practitioners can make unlimited requests, but Medicare has 30 days to consider any resubmitted requests. Claims with approved prior authorization requests will be paid if all other Medicare coverage and documentation requirements are met.
Source: myedutrax.com

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

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

Rally Draws Thousands to Decry Cuts to Social Security, Medicare, and Medicaid

     According to AARP Public Policy Institute 2011, 88.9% of Massachusetts seniors, or 805,400 received Social Security in 2010. Medicare spent $10.87 billion on health care services in Massachusetts in 2010, and 1 out of 6 Massachusetts residents received Medicaid benefits in 2010. This Super Committee, comprised of six Congressman and six Senators, was given the task of trimming $1.2 trillion over ten years and bringing the federal deficit under control. One proposal would cut Social Security by $112 billion by changing the way the cost of living adjustment is calculated.
Source: coastlineelderly.org

Get your Medicare Supplemental Insurance plans immediately

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSA Medicare plan is very essential for the old aged people’s health purposes; people can get great help from these plans when they need money for health treatment. These plans promise better health of a person in return of a very less amount of money. These Medicare plans have served human beings for years and assure a tension free life after a certain age. When a person gets old, he or she loses the ability to work and earn; due to which many of them of fall short of money when they need medical treatment for health related issues. The advantages and importance of the Medicare plans are known to most old aged people who have come across these. However, these plans have got one serious disadvantaged which can cause serious problems when a person needs for paying the treatmentbills. The original Medicare plans generally do not cover the entire medical bill of a person’s treatment; due to which people have to face serious troubles some times.
Source: hitsquadut.com

Video: Melin Medicare Insurance Services-Senior Health Insurance,Medicare Supplement Plans,Santa Clara,CA

Supplemental Medicare Insurance

In most cases, you will be allowed to employ the supplemental Medicare insurance that you decide in order to screen the expenses that you have under your Medicare belief. This includes both annual co-pay amounts and your annual deductibles as well. This type of Medicare insurance is not ideal for every residence, so it is eminent to work with your insurance provider to acquire out what kind of supplemental insurance is going to help you and your health without requiring you to pay out more than you should have to. For example, if you are already portion of a Medicare fraction C idea, which is known as the Medicare Advantage idea, then you should not settle a Medigap supplemental insurance notion, but such a policy would not pay out.
Source: medicaresupplementalinsurances.org

Acquire Medicare Supplement Plans During Annual Enrollment Period Golden Chance

Medicare Dietary supplement Plans are the very best kind of wellness insurance policy offered to seniors about the age of 65. People who obtain these options can pay a visit to nearly any medical professional, hospital, or expert and often pay out extremely small or practically nothing at all for these providers. The only issue with Medicare Supplement Plans is the organizations who offer you this form of insurance plan have underwriting recommendations, which can make it challenging to qualify if you have pre-existing problems. Utilizing assured problem suggestions to purchase one particular of these strategies can make a large variation in the quality of treatment you obtain and your out-of-pocket costs for hospital and physician services.
Source: estateof.com

Obtain Medicare Supplement Plans Through Annual Enrollment Time period Golden Opportunity

Medicare Dietary supplement Strategies are the greatest kind of wellbeing insurance plan offered to seniors about the age of 65. Individuals who obtain these plans can check out practically any doctor, hospital, or professional and frequently spend really little or practically nothing at all for these services. The only issue with Medicare Supplement Plans is the businesses who supply this kind of insurance have underwriting guidelines, which can make it difficult to qualify if you have pre-present conditions. Using assured issue guidelines to obtain one of these plans can make a huge distinction in the top quality of treatment you obtain and your out-of-pocket costs for hospital and medical professional providers.
Source: watchmygear.com

Buy Medicare Supplement Plans Throughout Annual Enrollment Period Golden Opportunity

Medicare Dietary supplement Options are the best sort of wellness insurance available to seniors about the age of 65. Individuals who buy these plans can go to almost any physician, hospital, or expert and typically spend really minor or nothing at all at all for these companies. The only problem with Medicare Supplement Plans is the businesses who supply this form of insurance policy have underwriting guidelines, which can make it hard to qualify if you have pre-present conditions. Using guaranteed issue suggestions to purchase a single of these options can make a massive distinction in the top quality of treatment you obtain and your out-of-pocket expenditures for hospital and medical professional solutions.
Source: stuff-ari.com

Purchase Medicare Supplement Plans In the course of Yearly Enrollment Time period Golden Opportunity

Medicare Supplement Plans are the best sort of health insurance policy accessible to seniors more than the age of 65. Individuals who acquire these plans can check out virtually any medical doctor, hospital, or professional and frequently spend really minor or nothing at all at all for these providers. The only issue with Medicare Supplement Plans is the organizations who supply this sort of insurance plan have underwriting recommendations, which can make it difficult to qualify if you have pre-current circumstances. Utilizing guaranteed problem guidelines to purchase 1 of these ideas can make a huge big difference in the high quality of treatment you acquire and your out-of-pocket costs for hospital and medical doctor companies.
Source: aristem.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.
Source: faithwearfundraising.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

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

Overview Of Medicare Supplemental Insurance

The health of an individual is almost like the primary source of everything that he or she has. When your body is not functioning properly and you are suffering from various debilitating conditions, chances are you will not be able to carry out your work properly which will greatly affect your daily living. Because of this, it is a big must for you to get a partner which will be able to help you secure your health conditions. And one of these is the Medicare supplemental insurance (aka Medigap…
Source: blogspot.com

Medicare Supplement Insurance

Medicare Supplement 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. Therefore in order to get the best benefits out of the original Medicare plan it is very important to get enrolled for the Medicare Supplement plans. As we are all well aware of the point that Medicare supplement insurance also known as Medicare Supplemental is meant to fill in the gap that is left behind by the original Medicare plan. Without the proper Medicare supplement leads at hand, even the most skilled of insurance agents may be at a loss when it comes to finding the right avenues toward success.
Source: themurderandtheharlot.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

Colorado Medicare Supplement

In order to get the best benefits out of the original Medicare plan it is very important to get enrolled for the Colorado Medicare supplement plans. As we are all well aware of the point that Medicare supplement insurance also known as Medicare Supplemental is meant to fill in the gap that is left behind by the original Medicare plan. Without the proper Medicare supplement leads at hand, even the most skilled of insurance agents may be at a loss when it comes to finding the right avenues toward success and prosperity. Blue Cross and Blue Shield of Illinois will host a free seminar on Medicare and Medicare Supplement Plans next week.
Source: yesha-israel.org

New Medicare Website Provides More Resources For Consumers

Posted by:  :  Category: Medicare

What's In My Bag... by Amy DiannaThe 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

Video: The Medicare Common Access Card Explained

ReversePhoneDirectory.com Warns of Peak Time for Medicare Fraud During Open Enrollment

ReversePhoneDirectory.com is a leading provider of reverse phone lookup services that enable consumers to simply search a number, including cell numbers (where available), landline numbers and VoIP to accurately find the owner of that number. In addition to phone number information, ReversePhoneDirectory.com has search portals for public records services and provides access to the most current information. ReversePhoneDirectory.com is committed to helping people live better during technologically advanced times, believing that information is a powerful currency and people across the country should have easy access to information about everything and everyone they come in contact with.
Source: travelnets.info

Medicare: New NIH brochure educates Hispanics suffering from the symptoms of serious illness

arizona california medi-cal dental Drug Plan electronic health record Health HIV How Social Security Works How to File a Claim for Medicare How to get a new medicare replacement card HUD M.D. Medicaid medicaid card Medicaid Services Medicare medicare card MedicareCard.com MedicareCard Replacement medicare card replacement Medicare claims process medicare coverage Medicare has Two Parts Medicare Help Medicare Part A Hospital Insurance Coverage Medicare Premium Amounts for 2010 Medicare Prescription Drug Coverage Meeting Announcement MyMedicare.gov National Institutes of Health Need a Replacement Card? Order a Medicare Card by Phone or Online NIH NIMH Obama Part A (Hospital Insurance) Part B (Medical Insurance) part of the National Institutes of Health protecting my social security number replacement social security card Social Security social security card some disabled people under age 65 ssa.gov Supplier Enrolled in Medicare VA
Source: medicarecard.com

Medicare card scam hits valley

2012 Election Aging Airlines/Airports/Airplanes/Air Travel/Fares/Fees Australia California (CA) Canada China Computer Security Curious News European Debt Crisis Finance & Business Florida (FL) Former Gov Mitt Romney (R-Massachusetts) Gov Rick Perry (R-Texas) Health Illinois (IL) Inflation/Deflation IRAs/401k/Pensions Jigsaw Puzzle Jobs/Employment/Unemployment Kids/Children/Teenagers Medicaid Medicare Medicare Reform Military/Defense/US Armed Forces National Debt/Deficits New York (NY) Obesity/Weight Loss/Gain Organized Labor/Unions/Strikes/Public/Private Pensions Political Opinion Politics Pres Barack Obama (D) Retirement Retirement Savings/Withdrawals Scam Scams/Cons Social Security Social Security Reform Spending Cuts Taxes Travel UK/Britain/England US Debt Ceiling/Debt Limit Wisconsin (WI)
Source: elder-gateway.com

making the move to brisbane from new zealand would appreciate any info i could get regarding the big leap over?

You wont get any benefits for 5 years so will need a job. Once you are settled in accomodation and can show you are here permanent with taking along rent reciepts and electricity account etc then you can apply for a medicare card Its easy for new zealanders to settle here and plenty of jobs but one needs to work hard while looking for them Rents are not cheap but the wages are good. Google medicare australia Rents are a bit cheaper out of town depends where ones work is to where you live the roads can get very conjested in rush hour public transport is quicker.
Source: com.au

Things To Know About Your Medicare Card

arizona california medi-cal dental Drug Plan electronic health record Health HIV How Social Security Works How to File a Claim for Medicare How to get a new medicare replacement card HUD M.D. Medicaid medicaid card Medicaid Services Medicare medicare card MedicareCard.com medicare card help MedicareCard Replacement medicare card replacement Medicare claims process medicare coverage Medicare has Two Parts Medicare Help Medicare Part A Hospital Insurance Coverage Medicare Premium Amounts for 2010 Medicare Prescription Drug Coverage Meeting Announcement MyMedicare.gov National Institutes of Health Need a Replacement Card? Order a Medicare Card by Phone or Online NIH NIMH Obama Part A (Hospital Insurance) Part B (Medical Insurance) part of the National Institutes of Health protecting my social security number replacement social security card Social Security social security card some disabled people under age 65 Supplier Enrolled in Medicare VA Source: medicarecard.com
Source: medicaresupplementalco.com

Health and Fitness Articles

It is sad to note that those people who are entrusted with the responsibility to take care of the community are the ones who commit such crimes and take advantage of the situation.They do this by billing the government more than the price of the service they rendered.Among these perpetrators are the medical suppliers.These medical suppliers collaborate with physicians or other healthcare personnel to forge documents stating that a certain beneficiary availed of their services.They either do this by overbilling or false billing.
Source: healthandfitnessarticlesblog.com

Heartland National Announces their New Heartland Medicare Supplement

Heartland Medicare Supplement announced today that it will offer medicare supplement plans through Medicare National to power online sales of Medicare Supplement products through its own e-commerce site for. Consumers will get the latest information on the Original Medicare program as well as Medigap (Medicare Supplement) insurance, Medicare Advantage, Medicare Part D, and the state Elderly Pharmaceutical Insurance Coverage prescription drug program. It is a mixture of new credit card opportunities, Christmas catalogs, and information about signing up for Medicare supplement insurance often called Medicare Advantage Plans. Medicare National Announces Beta Launch of Online Quoting Tool for Medicare Supplements.
Source: republicanrenaissancepac.com

Small Business Owners – Beware Of New Credit Card Paperwork

As the Wall Street Journal reports, this year credit-card companies are required to track the dollar amounts that individual merchants get from credit card transactions. In turn, the credit card companies then report this information to both the IRS and the merchant on 1099-k forms. The IRS made the rule so it’s prepared, but is your business prepared?
Source: estateplanning123.com

Beware of Scammers During Medicare Enrollment Periods

If a caller who claims to be from Medicare calls you, and offers you a Medicare refund for you to deposit, or offers you free medical supplies, hang up the phone. This person is a con artist who is trying to get you to tell him or her your important numbers. He or she will then use those numbers to steal your identity, your money, or both.
Source: families.com

How seniors can protect themselves against identity theft

• Set up security freezes: You can help protect yourself by setting up a security freeze on your credit reports at all three credit bureaus — Equifax (equifax.com, 800-685-1111), Experian (experian.com, 888-397-3742) and TransUnion (transunion.com, 877-322-8228). With a freeze in place, no one, including you, can open new lines of credit in your name. This typically costs $5 to $10 per person per credit bureau each time you freeze or thaw your credit report. Some states offer free freezes for ID-theft victims.
Source: pomeradonews.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 -

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

Super Committee Stuck: Dems Spurn Latest GOP Deficit Deal

Politico: Supercommittee Fallout May Infect 2012 Election To be sure, there are escape hatches. Republicans are considering packaging unemployment benefits and the so-called “doc fix” with a bill filled with spending cuts — a duel-headed strategy to lessen the impact of the sequester by crafting a bill Obama could not turn down (Raju, Sherman and Kim, 11/18). CNN Money: The Super Committee Escape Hatch The “automatic” budget cuts that were supposed to deter super-committee members from punting won’t actually kick in until 2013. And that gives Congress more than 13 months to modify the law. There will be tremendous pressure to do so. The cuts would slash $1.2 trillion in defense and nondefense spending. Exempt from the cuts: Social Security and programs for low-income people, such as Medicaid. Medicare cuts, meanwhile, would be limited (Riley, 11/18).
Source: kaiserhealthnews.org

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

Texas Medicare Supplement and the PPACA

With the traditional framework of Medicare operating in a FFS policy, many doctors are reluctant to accept Medicare. The FFS means that the doctor bills Medicare directly, and waits for reimbursement. However, Medicare, acting as its own insurance company independent of all networks, usually does not deem the physician’s treatments to be as valuable as the doctor does, and therefore does not pay as much as they are billed. This has, historically, resulted in doctors billing even more in an attempt to get a higher percentage of payment that will hopefully come closer to their original fee. The pay-as-you-go nature of the Fee-For-Service insurance policy is, in private insurance circles, the most expensive type of police for all involved.
Source: mclaininsurancegroup.com

Texas Medicare Supplement Insurance when Medicare On it’s own isn’t Enough

Medicare is really a good benefit, however it alone actually leaves you with a lot of heavy handed cost sharing and coinsurance. This is why it is extremely important for Texans turning 65 to analyze their fanatical state of affairs and decide if Texas Medicare supplement insuranceis appropriate for them. Medicare has historically paid around 80% of retirees medical expenses. A Texas Medicare supplement insurance plan can considerably limit your chances 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 just not yearly that is per benefit period. If hospital treatment surpassed 60 days your cost sharing portion is $283 per day and $566 for days 91-150! Part B has a $162 annual 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 is frequently charged by doctors that do not accept Medicare Assignment. A Texas Medicare supplement insurance plan can take care of some or all of these charges based on on the plan you choose.
Source: naarobsteam.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

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

Medicare Open Enrollment: Extra Benefits & Preventive Services

Posted by:  :  Category: Medicare

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

Video: Medicare Services

The American Consumer Institute

[…] Congress has an urgent need to control Federal Deficit.  Earlier this year, the National Commission on Fiscal Responsibility and Reform identified the containment of government medical program costs as a major priority to controlling the Federal spending.  With the aging US population, the need to address ways to control medical costs is more important than ever.  What can Congress do reduce Medicare and Medicare costs without sacrificing services?Source: theamericanconsumer.org […]
Source: theamericanconsumer.org

Affordable Health Insurance

In the US, you become eligible for Medicare when you turn sixty-five years old. Those younger than sixty-five may also qualify for the said program if they have long-term debilitating conditions. Those with ESRD may also qualify. It pays healthcare providers for the services they rendered to beneficiaries. The said program was established in 1965 through the Social Security Act. It is managed by the Centers for Medicare and Medicaid Services which is part of the Department of Health and Human Services of the United States. The Social Security Administration is tasked with determining whether a person is eligible for Medicare and processing premium payments of the said program.
Source: exogenhealthcare.com

Medicare: What It Is, How It Works, And Why It Is A Target For Fraudulent Behavior

In the United States, people over 65 years old; those who are under 65 but have permanent physical disabilities; and those with end stage renal disease are covered by Medicare which is a social insurance program. It pays healthcare providers for the services they rendered to beneficiaries. Medicare came into existence when the Social Security Law was enacted in the mid-60s. It is managed by the Centers for Medicare and Medicaid Services which is part of the Department of Health and Human Services of the United States. The Social Security Administration is given the job of ascertaining whether an individual is qualified to receive Medicare benefits as well as facilitating premium payments.
Source: carsandinsurance.info

Medicare: What It Is, How It Works, And Why It Is A Target For Fraudulent Behavior

In the United States, people over 65 years old; those who are under 65 but have permanent physical disabilities; and those with end stage renal disease are covered by Medicare which is a social insurance program. This social insurance program from the Federal government reimburses the private practices of doctors, nursing care facilities, hospices, and home health care agencies for the services they provided to Medicare members. The said program was established in 1965 through the Social Security Act. It is managed by the Centers for Medicare and Medicaid Services which is part of the Department of Health and Human Services of the United States. The Social Security Administration is tasked with determining whether a person is eligible for Medicare and processing premium payments of the said program.
Source: dzynit.net

Salient Points About Medicare, The Federal Government's Social Insurance Program

In the United States, people over 65 years old; those who are under 65 but have permanent physical disabilities; and those with end stage renal disease are covered by Medicare which is a social insurance program. It pays healthcare providers for the services they rendered to beneficiaries. Medicare came into existence when the Social Security Law was enacted in the mid-60s. It is managed by the Centers for Medicare and Medicaid Services which is part of the Department of Health and Human Services of the United States. The Social Security Administration is given the job of ascertaining whether an individual is qualified to receive Medicare benefits as well as facilitating premium payments.
Source: smashingtechnews.com

Medicare Spending on Imaging in Decline, MITA Says

“Current evidence, including this analysis, debunks the myth that imaging is significantly overused and somehow responsible for escalating healthcare costs. Unlike other areas of medicine, imaging utilization and spending are on the decline,” said John A. Patti, MD, chairman of the American College of Radiology Board of Chancellors. “According to these data, the goal of bending the cost curve has indeed been achieved for medical imaging. Any further reductions would represent socially irresponsible policy.”  
Source: diagnosticimaging.com

Physician Advice Through RUC On Valuing Services Helps Medicare, Primary Care

The need to fix the overall Medicare physician payment system. While the work of the RUC is focused on providing recommendations to the government on how to divide the set Medicare budget, the size of that budget itself is of far greater concern to patients and physicians. Because of the continuing threat of across-the-board Medicare physician payment cuts, access to care for everyone who relies on Medicare – or who will some day – is in jeopardy. All physicians who serve Medicare patients are facing a 27.4 percent cut on January 1 because of the broken Medicare physician payment formula. Medicare payment rates are already low, leaving a 20 percent gap between payments updates and the growing cost of caring for patients.
Source: healthaffairs.org

Free Wellness Services and Discounts Available to New Yorkers on Medicare

For those on Medicaid in New York, the program made a change earlier in the fall. Medicaid’s pharmacy benefit and the Family Health Plus pharmacy benefit is now part of the managed care benefit package. Each health plan has its own category of medicines, including prescription drugs, some over-the-counter drugs and medical supplies. It is important to make sure the plan has the medicines each individual needs. The New York health plans do allow a one-time only fill of a drug in the event that individuals cannot reach their doctor to get guidance to switch to a plan that does cover what they need.
Source: elderlawnewyork.com

CMS Proposes 3.35% Medicare Payment Cuts to Home Health Agencies

Posted by:  :  Category: Medicare

DC Voting Rights by dbkingAnother 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

Video: Get the Free Answer Guide from UnitedHealthcare Medicare Solutions.

Reverse Mortgages and State medicaid programs and Medicare insurance Benefits

Overturn Mortgage is really a type of mortgage loan that’s rather unique. It enables the customer to transform a part of his home equity to cash. Which means that you are able to really be compensated the equity you have gathered in your mortgage. This short article examines the way a reverse mortgage might affect qualifications for Medicare insurance and State medicaid programs benefits. Getting a Reverse mortgage won’t lead to immediate disqualification for Medicare insurance and State medicaid programs Actually no matter the home loan amount or timing from the loan. Medicare insurance wouldn’t be affected since it is a Health Care Insurance privilege program for senior citizens over 65. Your qualifications for Medicare insurance starts at 65 as lengthy as you and your spouse labored ten years or even more in a Medicare insurance backed employer and also have citizenship. State medicaid programs is slightly different because it is a course backed through the government. Its goal would be to offer health care to people with limited earnings. Qualifications is dependent upon overview of the applicant’s, earnings and assets utilizing a means test. Earnings recommendations can differ from condition to condition. Based on Department people Health insurance and Human Services State medicaid programs qualifications requires candidates to possess a maximum of $2,000 ($3,000 a couple of) in countable assets one day trip from the month. Overturn mortgage doesn’t instantly disqualify the homeowner for State medicaid programs either, but it may be affected if excessive money is withdrawn like a lump sum payment as with a HECM Standard in which the mortgage equity is supplied previously which may lead to exceeding the means test . This is often averted through the use of overturn Tenure Program which supplies a more compact monthly benefit as well as the monthly benefit and credit line choice to avoid an excessive amount of cash previously in reserves. Because reverse mortgages are thought loan advances and never earnings, the number you receive isn’t taxed making qualifications for State medicaid programs not he problem but instead passing the monthly resource earnings means test. Reverse mortgage is an extremely safe program that provides great financial security to senior citizens. They are able to make use of the cash to supply for several financial needs. Such needs might include consolidation of financial obligations, social security supplement, to create enhancements in your home, pay property tax or meet urgent medical expenses. Individuals who’re qualified with this type of loan are individuals who’re 62 many above. They ought to also own the houses outright and should reside in them because the primary residence. Alternatively, their mortgage balance ought to be low enough that it may easily be compensated off throughout the closing with a couple arises from the borrowed funds. For that the place to find qualify, it will be either 1-4 models or perhaps a single home. Condos and manufactured homes approved by HUD may also become qualified as lengthy because the Federal housing administration needs are met. In evaluate the reverse mortgage has no effect on non-means-examined government benefits programs for example Medicare insurance. Medicare insurance is definitely an entitlement program that you simply are qualified for no matter your earnings. Means-examined programs for example State medicaid programs can however have reverse mortgage only when the incorrect type of mortgage is released These programs are occasionally a little complex and never well understood by most people. You will find however independent advisors who are able to be approached for help and all sorts of reverse mortgage financial loans require government backed counseling to be certain you’ve all of the details just before consummation from the reverse mortgage. They answer all your concerns that will help you make an educated ultimate decision.
Source: build-reciprocal-links.com

DESCRIPTION OF PART A MEDICARE

 Hospice Care – for the terminally ill with only 6 months or less to live. 4.  Home health services – medically necessary care and services in the home and also includes therapist services, speech language pathology and other medical social services. 5.  Confinement in religious institution hospitals 6.  Blood transfusion This plan can have another plan purchased like Part B & D but with monthly premium payments.  This will ensure a total coverage of all possible disease treatment and facilities and services needed.  There are also provisions for eye care under this plan.  This plan guarantees that hospital confinement needs are paid.  In some countries, the Part A Medicare covers hospitalization confinement of at least three days for childbirth.  It includes normal deliveries and other physician services both for the mother and the baby.  In case of caesarian operations, doctors’ fee and medicines administered are also free.  There are also lying-in clinics where the medical expenses are subsidized by the government to maximize assistance to the citizens. Medicare is a help extended by the government.  The only effort on the part of the people to avail of the benefit is to submit the needed requirements and to pay the premiums from their salaries.  It is a lifetime benefit especially for retirees from the government because for as long as they live they are covered.  This is the beauty in Medicare particularly the Part A Medicare.
Source: ezinemark.com

Foreign doctors’ obstacle course ‘a disgrace’

In response, Health Minister Nicola Roxon asked the House of Representatives committee on health and ageing to hold an inquiry. It will report early next year after receiving close to 200 submissions and holding 20 public hearings across the country. It heard persistent complaints from doctors forced to do onerous language tests; of accrediting agencies not sharing information; of a lack of transparency; of shifting rules; and of a perception that the medical establishment is a closed shop protecting vested interests.
Source: co.uk

Qualifying for Long Term Care Insurance

For low-income groups, they would normally rely on Medicaid or Medicare for financial assistance. People with high income and total assets may opt to self insure even if care costs 0,000. For many people who have no idea on how burdensome the cost of long term care today may compromise their health to save their assets from skyrocketing rates of care. Those who fail to plan for retirement and save for future care lose half or entire finances and become impoverished.
Source: hitsquadut.com

Finding Reasonable Medicare Dietary supplement Insurance insurance policies

Underneath the new laws, organizations Medicare Supplemental Insurance Texas certain qualifications would be given permission access to patient-protected Medicare insurance data produc public reports regard the health maintenance services associated with clinics, clinical professionals and hostipal wards. These experiences will include Medicare and also Medigap Coverage claims details with personalized sector demands data to indicate which health care providers necessary under some most cost-effective and also highest-quality expertise. This technique is an integral part of the Very affordable Care Act geared toward improv medical care, mak folks pro-active regard their health and fitness, and driv a motor vehicle down medical care costs.
Source: 3rshumanrights.com