Verify Medicare Eligibility

Posted by:  :  Category: Medicare

N 400 is the citizenship application that needs to be filed for Naturalization. All the eligibility requirements for filing the citizenship form has to be met before applying. You need to be a permanent resident for at least five years or three years if married to a US citizen and living with the citizen spouse for the past three years. This alone will not suffice. You need to meet other requirements too. You need to be 18years or above. Additionally, you have to fulfill the Continuous residence and Physical Residence Requirement. A prolonged absence from the U.S. will break the continuity of your residence in the U.S. for naturalization purposes, although it may not affect your ability to return to the U.S. as a permanent resident. You should have resided in your current state for at least 3 months. Your current state is the state where you are submitting the citizenship application for naturalization.
Source: custodialcare.org

Video: EHR: Medicare Incentive Program Attestation Webinar for Eligible Professionals

Social Security Disability & Medicare Eligibility

If you have health insurance coverage already, you need to figure out how Medicare works with your health insurance. Many health insurance policies state that Medicare is to provide the primary coverage. Thus, your present health insurance may pay only for what Medicare does not cover. You need to check with your health insurance company when you get your Medicare card.
Source: disabilitydenials.com

Advice on Steering clear of Typical Medicare health insurance Residence Wellness Charging Glitches!

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Source: esolarpowergreen.com

JAMA Forum: Innovation Isn’t Easy When it Comes to Medicaid

How can states possibly account for that difference? Where’s the magic in innovation? If states refuse to cut benefits and spend the same per enrollee, then even if the Medicaid expansion of the ACA never takes place, an additional 19 million people need to be dropped from the 2021 Medicaid rolls to meet budget cuts. That’s about one-third of all people on Medicaid. If states cut benefits or somehow slow spending to that of GDP growth, they still need to remove 13.8 million people from Medicaid in 2021, in addition to forgetting the ACA Medicaid expansion. If states act to protect the elderly and blind or disabled persons by holding their spending/benefit reduction to 10% (which is still a large cut), then 27 million people, most of them children and pregnant women, need to be dropped from Medicaid in 2021 even if ACA’s Medicaid expansion never occurs.
Source: jama.com

Questions for Republicans on Health Care Reform

3. And again, how exactly will the Republican proposals achieve better cost-savings than those projected for the Affordable Care Act? Those ACA cost savings, as we know, would have been greater had not Republican legislators blocked the inclusion of a public option in the state-level health exchanges, and had they not also blocked the creation of a single nation-wide exchange. Even now, House Republicans are blocking the creation of the Independent Payment Advisory Board designed explicitly to reduce costs (the CBO had it saving $3 billion between 2018 and 2022. ) Unless the new requirements on preconditions and the individual mandate are dropped in any Republican-designed health care reform, how can that reform avoid a veritable explosion in the cost of insurance premiums? (Insurance premiums would rise by as much as 25 percent if the healthcare law is implemented without an individual mandate, according to a new analysis from the Robert Wood Johnson Foundation. ) Deregulated insurance companies have historically inflated health care costs in the United States, putting profits before service to leave the US with the most expensive health care system in the advanced industrial world. How exactly will market-based reforms avoid that fate in the future?
Source: tellwashingtonnow.com

What is the Difference Between Hospice, Palliative and Respite Care?

Medicare does not use the term palliative, so coverage is provided by standard Medicare Part B benefits. The palliative care provider (the organization offering you the services) will bill Medicare for services provided. This is also the case with Medicaid, so be sure you understand what co-pays or fees, if any, you will be asked to pay. Ask about your responsibility for fees and request a fee schedule before agreeing to receive services.
Source: articlecompilation.com

Hospice Care is Covered by Medicare

One of the biggest concerns that we have in our society today in regards to death is dying with dignity. Many people want to be given the right to determine how they are cared for in their final days and the decision usually winds up being the same. The option that is chosen most regularly is that of Hospice Care and this is a tremendously important coverage for you to check in to.
Source: medicare-benefits.com

Attestation Resources for the Medicare EHR Incentive Program

[i] The Medicare and Medicaid Electronic Health Record (EHR) Incentive Programs were authorized under the Health Information Technology for Economic and Clinical Health (HITECH) Act, part of the American Recovery and Reinvestment Act of 2009. The programs provide incentive payments to eligible professionals, eligible hospitals and critical access hospitals (CAHs) as they adopt, implement, upgrade, or demonstrate “meaningful use” of certified EHR technology in ways that improve quality, safety, and effectiveness of patient-centered care. Under the Medicare EHR Incentive Program, eligible professionals can receive as much as $44,000 over a consecutive five-year period. Under the Medicaid EHR Incentive Program, eligible professionals can receive as much as $63,750 over six years. Under both the Medicare and Medicaid EHR Incentive Programs, millions of dollars are available for eligible hospitals and CAHs that satisfy program requirements.
Source: sma.org

Medicare Supplement Plans Extend A Hand To Seniors

Posted by:  :  Category: Medicare

wordy informative signage by damian mEven if you supplement Medicare with a Medicare Part D Prescription Drug plan, you may also enroll in one of the ten Medigap plans. During a six-month period that begins on the first day of the month in which you become 65 and you are enrolled in Part B, your application for a Medigap plan is guaranteed to be accepted regardless of your health problems. You may switch to a different plan during this time, and guaranteed acceptance also applies to the application for the other plan.
Source: business-profit-pro.com

Video: Avoid the Donut Hole Coverage Gap in Medicare

American Heart Association reports Patients often stop taking heart drugs during Medicare coverage gaps

“Rather than prompting patients to switch to lower-cost alternatives, we found that sudden exposure to 100 percent of drug costs in the Part D coverage gap led to abrupt discontinuation of essential cardiovascular medications,” said Jennifer M. Polinski, Sc.D., M.P.H., study lead author and instructor in medicine at Harvard Medical School in Boston, MS. “Any drug insurance policy that negatively influences essential cardiovascular drug use needs to be changed.”
Source: clarksvilleonline.com

ObamaCare Sticks It To Seniors and Future Seniors

Under the Medicare Modernization Act of 2003, Congress deliberately created a gap in Medicare drug coverage (donut hole) in which seniors are required to pay 100% of drug costs up to a specified amount.  Now ObamaCare did toss out another bread crumb to  provide you with a $250 rebate if you fall into that hole and will require drug companies to give you a 50% discount on brand name prescriptions filled while in the hole.  Sounds good, right?  Well, in 2011 ObamaCare imposed a new tax on the sale of these brand name drugs, ranging from $2.5 billion in 2011 to $4.1 billion in 2018.   So even though  those drug companies will have to give you that 50% discount, the price of those drugs have increased due to ObamaCare and not just for drugs purchased during that donut hole period, but for the entire year.
Source: franklincountyvapatriots.com

Don’t Go Behind Cheap Medicare Insurance Policies

Today, many people are realizing the significance of having health insurance and it is why they are applying for health care policies to ensure the security of health for loving and dear ones. However, since most of health care or life insurance plans have several shortcomings and getting a health care plan will give you some amount of happiness and prosperity. That is why today different kinds of insurance companies offer Medicare supplemental insurance to fulfill the expectations of people who do not cover by the original Medicare plan. To choose the best plan may be very successful option, therefore you should compare Medicare plans with other plans in term of annual premium and benefits, just by doing a little research in the market. The most important benefit of Medicare plan can fill the gap of Medicare’s gap accordingly to the needs of consumers.
Source: ezinemark.com

Closing racial and ethnic gaps in access to care

The Affordable Care Act is also improving access to preventive care services. Research shows that use of preventive services is traditionally lower for minority populations, but now all people with Medicare can get a range of recommended preventive serviceswithout paying part B coinsurance or meeting the deductible.  These include certain tests for breast, colorectal, and other cancers, diabetes, cardiovascular disease screening, and intensive behavioral therapy for obesity.  A new benefit, a yearly wellness visit with your qualified and participating doctor, has also been added, and is also available without part B cost sharing. These free preventive services can help reduce health disparities and give everyone the chance to enjoy better health and a better quality of life.
Source: cms.gov

There is a Gap in Medigap Insurance

If you are over 65 years old and living with a disability or chronic illness, hopefully by now you know that you have options for your Medicare insurance coverage.  But what about the folks who have similar medical situations, but are not yet 65?   Do they have the same Medicare coverage?  The truth of the matter is that there is a gap in Medigap insurance that excludes patients under the age of 65 from coverage.  Beverly Zimmerman-Davis writes about her unfortunate experience with the Medigap Gap in a recent issue of The Salt Lake Tribune.
Source: mostmedicare.com

Fill the Gap of Medicare Part A and Part B

Medicare Part B is act as an additional medical insurance to Medicare Part A. Part B coverage will begin after patient reach deductible level. The coverage includes Service of doctors and nurses, diagnosis tests, transfusion of blood, flu and pneumonia vaccinations, dialysis, chemotherapy, hormonal treatments, some prescription for patient of organ transplant, limited transportation with ambulance, outpatient hospital, and doctor’s office outpatient medical services. Durable medical treatment is also covered by Medicare Part B such as walker, wheelchair, cane, home use oxygen, and artificial limbs. There are also other medicare insurance plans that are Part C and part D but this is optional.
Source: aircraftfinancialnews.com

Internal medicine physician specialists release policy paper on reforming Medicaid

“Many of the reforms proposed by members of Congress and the various deficit reduction commissions would either directly or indirectly increase the financial burden for which Medicare beneficiaries are responsible,” Dr. Hood concluded. “Increasing cost-sharing responsibilities on Medicare beneficiaries – many of whom are retired and must survive on a fixed income – may encourage more cautious use of services but not necessarily those that are most appropriate for their health. Also, there is no guarantee that such changes will slow the nation’s rising health care costs, which are driven by technological advancements, growth in prices for health care services, and a number of other factors. ACP is concerned that any Medicare reform efforts must ensure a balance between maintaining access to medically necessary care and reducing wasteful and limited value care.”
Source: sciencecodex.com

Pennsylvania Medicare Part D Plans

If on the other hand, you are interested in a Medicare Advantage plan, you can choose a plan that includes Part D coverage. You will be subject to the guidelines of the Advantage plan but should you choose a plan with a low or $0 premium, you may be able to save some money on your Part D.
Source: partdplanfinder.com

Main Stop Snoring Treatment options and Drugs Explained

Posted by:  :  Category: Medicare

Americans Support A Public Option by Leader Nancy PelosiFor those who have key snore you are the exceptional persons using this type of snore. Main snore occurs as a result of problem with head signals. This can bring about a person to end Ambien respiration periodically as they rest. On the other hand, lots of people who suffer from key snore have got osa, which is much more common and is a result of some type of blockage while in the respiratory tract.Whilst there are numerous treatments for osa, this hasn for ages been true for key snore. OSA individuals can endure surgery to remove the blockage or start using a CPAP continual good respiratory tract strain unit to make atmosphere interior and exterior the respiratory system. On the other hand, recent reports of your rest pharmaceutical Ambien are finding that it may reward these being affected by key snore.A study was done by Syed Quadri, Meters.Deborah. at the James Hyundai infirmary where he examined Ambien for usage on key snore individuals. Ambien can be used like a asleep aid, but the effects were very worthwhile. The investigation was done by using key snore individuals with Ambien for just a 6 week time period. It turned out found their snore considerably much better. 20 individuals taken part in the research, going for a polysomnographic examine both before and after the research. Most sufferers knowledgeable a standard decline in snore symptoms from 30 to 13 by the hour. These results are thrilling certainlyBecause Ambien is often made use of like a shortterm asleep aid, the long term has effects on will not be distinct. It is very important for key snore patients to appreciate that Ambien isnt thouroughly tested for this purpose and must not be made use of except if less than Valium distinct guidance by their doctor. On the other hand, this will demonstrate an opportunity by in they review of key snore and that we can anticipate much more breakthroughs in regards to this disconcerting problem sometime soon.
Source: suseunbound.com

Video: Medicare Overview

I plan to turn down Medicare. Your thoughts?

3. Your existing individual policy is likely more expensive than, and not as good as, Medicare. Surprisingly, if you have an individual health plan (as opposed to a group plan through your job or a spouse’s job), you can keep it once you turn 65. But it will cost you, especially considering that Part A, the part of Medicare that covers hospital care, is free for anyone who qualifies for Social Security retirement benefits. “Generally what you pay for Part B, Part D, and Medigap is going to be the same or less than what you’re paying for individual coverage, and the benefit package might be better, because a lot of individual plans today have very high deductibles,” says Bonnie Burns, a Medicare expert with California Health Advocates, a nonprofit advocacy group. Also, on Medicare you can see any participating provider, whereas almost all private individual policies restrict you to some type of provider network.
Source: consumerreports.org

‘Science is Fun': Complex Choices in Medicare Advantage Program May Overwhelm Seniors

The researchers found that, on average, an increase in the number of plans was associated with increased Medicare Advantage enrollment, provided the number of available plan options was fewer than 15. When the number of options surpassed 30, as it did in 25 percent of U.S. counties, such increases were actually associated with decreased enrollment. More importantly, beneficiaries with low cognitive function were substantially less likely than their peers with high cognitive function to appreciate the advantages offered by these plans, choosing to remain in the traditional Medicare program instead.
Source: blogspot.com

Benefits of Getting Medicare Complement Insurance protection Options

Yet, irrespective of the noticeable clinical assurance one particular can get from obtaining Medicare supplements, a great deal of senior citizens are wary of implementing for these policies. Just like other insurance plan designs, premium charges differ in accordance to the health supplement designs the enrollees choose. Distinctive non-public insurance protection businesses may perhaps also deliver dissimilar premiums on the very same blueprints, so it really is ideal for retirees to rigorously take into account which insurance plan corporation to have confidence in.
Source: articles101.info

Medicare Part D Open Enrollment to Begin Soon

6. Seek help if you need it: Medicare changes typically come every year. But reviewing options and choosing a new plan can be confusing for consumers or those attempting to help them. For help, you can go to the government’s website as well as volunteer organizations, private-sector plans, and other resources like the AARP (American Association of Retired People) , the National Council on Aging (NCOA), and the Medicare Rights Center. You can also check out the State Health Insurance Plans (SHIPs), which are part of a federal network of State Health Insurance Assistance Programs located in every state.
Source: bnaibrithdenver.org

Comparing Medicare options is important before choosing Health For Him

To be eligible for any Medicare plan you have to be 65 years of age minimum unless you are suffering from ailment that demands frequent medical aid and prescriptions. Those who receive social security checks are eligible and automatically enrolled Medicare. To be eligible for any Medicare plan you have to be 65 years of age minimum unless you are suffering from ailment that demands frequent medical aid and prescriptions. Those who receive social security checks are eligible and automatically enrolled for Medicare.
Source: healthy4him.com

Hospital Owner Makes $43 Million Medicare Settlement

Posted by:  :  Category: Medicare

day 6 365 days Hipstamatic by drivebybiscuits1The settlement resolves allegations pertaining to twenty-five inpatient rehabilitation facilities that Dallas-based Tenet has owned and operated throughout the country.  These facilities are designed for patients who need an intense rehabilitation program that requires a multidisciplinary, coordinated team approach to improve their ability to function. Because the patients treated at these facilities require more intensive rehabilitation therapy and closer medical supervision than is provided in other settings, such as acute care hospitals or skilled nursing facilities, Medicare generally pays at a higher rate for rehabilitation care.
Source: patch.com

Video: Medicare Set Asides in Georgia Workers Compensation cases

Accreditation: Medicare's requirement not foolproof

WellPoint recently notified providers in Georgia that to remain part of its network they must be accredited by one of these three accreditation agencies by March 1, 2012: The Joint Commission, ACHC and CHAP. Though it only notified providers in Georgia, industry stakeholders say the requirement is a “national policy” that applies to all the states where it has a presence.
Source: hmenews.com

Georgia Radiation Oncology Clinic Settles Medicare Whistleblower Case

Radiotherapy Clinics of Georgia (RCOG), a radiation oncology practice located in Decatur, Ga., and its affiliates have agreed to pay $3.8 million to settle claims that they violated the False Claims Act after allegedly billing Medicare for medical treatments that were unnecessary or went beyond what is permitted by Medicare rules, according to the U.S. Justice Department. Two whistleblowers will receive $646,000 as their share of the proceeds. Read More.
Source: whistleblowerprotection.com

Georgia Works!! Not so much…

Under the “Georgia Works” program an employer can “try out” a prospective employee, at no cost to the employer. No paycheck to the employee, and ironically, no unemployment collected. No social security payments, Medicare deductions, workman’s comp or state and local tax either. The employee continues to receive their bi-weekly unemployment checks, plus a small travel allowance to get back and forth to work. The employer would then have an eight week evaluation period to make a decision about hiring, or not hiring, the employee.
Source: kmmsam.com

Complement Your Georgia Medicare Supplement With Dental, Vision and More…

Based in beautiful Jackson Hole, Wyoming, we currently market health insurance in 18 different states from our website IndividualHealth.com. I have worked in the domestic and international markets for most of my adult life. Recently we launched a newly revamped website www.tetonmarketing.com which has a primary focus on music and Native American Flutes and hand crafted items made in Wyoming. Check it out! I want the Insurance Simplified Blog to be a place you can visit from time to time and read about real world issues that individuals and families face daily. Our parent website IndividualHealth.com we like to think of as a virtual brochure. But with the blog I want to talk about the topics behind the brochure. Also check out our blog www.JacksonHoleTim.com which is “All Things Wyoming, Everything Jackson Hole” . If you love the Yellowstone basin this is blog for you! Then when you are ready check out our new Social Network site Jacksonholetim.ning.com – this is a place you can connect with other who visit and live in Wyoming. And finally we have just launched another new blog. Jackson Hole Tim (www.jacksonholetim.com) is a new place to visit that talks about “All things Wyoming, Everything Jackson Hole”. I hope you find these blog helpful.
Source: wordpress.com

Medicaid News: Calif. Readies Changes For Dual

California Healthline: Ironing Out Details of Duals Conversion  State officials met with stakeholders in Sacramento yesterday to answer questions and work out the final details of the duals demonstration project — an ambitious plan to enroll an estimated 700,000 dual-eligible Californians in 10 counties into Medi-Cal managed care. Enrollment will be mandatory for beneficiaries eligible for both Medi-Cal and Medicare. Jane Ogle, deputy director of health care delivery systems at the Department of Health Care Services, was quick to point out that beneficiaries would keep their own physician, even if that physician is not in the Medi-Cal network, and that beneficiaries have the power to opt out of the demonstration project, if they want (Gorn, 3/29). 
Source: kaiserhealthnews.org

Is it Time to Change to a Modernized Medicare Supplement Plan?

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSConsider how Medicare and Medigap plans work. Medicare, being the primary plan, leaves many “gaps” also know as deductibles and co-insurance for the insured to pay. Medicare Supplement plans (Medigap), fill this void. The majority of individuals purchase a Medicare Supplement when they turn sixty-five or begin Medicare for the first time. Obviously, for the most part, from an insurance company stand point, the younger the insured client, the better. Younger people typically are healthier than older people and therefore they file less claims. For an insurance company, less claims mean more profit. Now consider this fact regarding pre-modernized Medicare Supplement plans. They are in effect closed to all new enrollments. No individual newly aging into Medicare may purchase a pre-modernized Medigap plan. Obviously then the average age of the insureds in these pre-modernized plans is going to increase and, as the avearge age of the insureds increases, so will claims. What is the number one factor which causes premium increases for all Medicare Supplement plans? That’s right, claims!
Source: medicarequotefinderblog.com

Video: Learn About Medigap Plans

Merits of Using Medicare Dietary supplement Insurance policies Plans

Nonetheless, regardless of the apparent medical assurance a particular can get from having Medicare health supplements, a ton of senior citizens are cautious of applying for these ideas. Just like other insurance policy programs, high quality fees range in accordance to the supplement programs the enrollees pick out. Various private insurance policies suppliers might also offer you dissimilar rates on the equivalent strategies, so it happens to be most beneficial for retirees to meticulously think of which insurance coverage company to trust.
Source: faithquestions.org

Medicare supplement insurance the help in need to get better benfits

Moreover, it is also a very crucial matter to make the choice of the Medicare supplement plans very carefully. In fact the point is that while choosing your Medicare supplement plans the most important thing that is needed is to compare Medicare supplement plans so that you can easily make the choice of the perfect plans matching your needs. In fact there are also several other options available for choosing Medicare supplement plans. In fact one of the most common means is to go online and look for the Medicare supplement services selling websites where you can easily get the best choice of the Medicare supplement plans comparing one with the other. However, it is always a better idea to go through the offer documents carefully and if you are able to go through the offer documents of all of them, it would be much better to get the best choice of the Medigap plans.
Source: ezinemark.com

Medicare Supplement That Really Works

Most of us are already familiar with different types of Medicare insurance plans. The original Medicare plans are divided into Part A for hospital insurance and Part B for medicine insurance. Since 1997 Federal Government initiated new program allowing Medicare beneficiaries to add private health plans as supplement for their original Medicare plans. This is for the reason that not all medical expenses are covered by original Medicare plans and adding private health plans allowing them to get better coverage for their particular condition. Medicare + Choice or known as Medicare Advantage Plan or Part C in generic is the result of this new policy. The Part D is the Prescription Drugs Plan. Those who want to add supplement to their original Medicare plan should pay the premium based on what kind of supplement they take. What kind of supplement for your Medicare plan depends on what kind of coverage you need. Your particular condition should the basis of your decision.
Source: tjyonglian.com

Medicare Supplement Plans Extend A Hand To Seniors

Even if you supplement Medicare with a Medicare Part D Prescription Drug plan, you may also enroll in one of the ten Medigap plans. During a six-month period that begins on the first day of the month in which you become 65 and you are enrolled in Part B, your application for a Medigap plan is guaranteed to be accepted regardless of your health problems. You may switch to a different plan during this time, and guaranteed acceptance also applies to the application for the other plan.
Source: business-profit-pro.com

Switching Medicare Supplement Plans

3. You should educate yourself to the plans available and what benefits they offer. Comparing supplemental policies is much easier than comparing Medicare Advantage plans because supplements are standardized from company to company. For instance, Medicare supplement Plan F will include the same level of coverage no matter which company is offering the plan.
Source: affordablemedicareplan.com

Do you Think An individual Needs Supplemental Medicare Insurance or “Medigap”

What should you recognize when purchasing a Medicare supplement Policy? First you must have Medicare Part A and B. If you have a Medicare Advantage Policy you can not obtain Medigap, but if you happen to be dropping the Medicare Advantage you may buy the Medigap which can start off when the other finishes but not before. Your Monthly Medicare Part B payments are made to Medicare insurance and the Medigap monthly payments are made to the insurance company. The Supplemental Medicare Insurance can only be for one person. The Medigap Policy can be purchased from any licensed insurance company in your state. If you wish to cancel the Medigap plan you will need to do so through your insurance company. Your agent can not cancel the insurance policy. The Standardized Medigap policies are guaranteed renewable even with health issues. Really the only difference in these programs are price.
Source: shoplocalsisq.com

The ACP Advocate Blog by Bob Doherty: Walking the Walk

Posted by:  :  Category: Medicare

For a Minute, I was worried. Whew! God BLE$$ Bush! by eyewashdesign: A. GoldenTalking the talk about lowering health care costs is easy, walking the walk—not so much. But today the nation’s largest physician specialty organization—the American College of Physicians—released a plan to achieve big savings in Medicare while also improving outcomes for patients. The plan, released at a press conference held in conjunction with ACP’s annual scientific meeting in New Orleans, proposed major restructuring in Medicare pricing, payments, benefits and delivery systems to achieve better value for patients and taxpayers. ACP hopes to set an example for politicians and other advocacy organizations who talk about controlling costs, but aren’t willing to walk the walk by putting any serious proposals on the table. How does ACP propose to reduce spending while achieving better outcomes? Allow Medicare to consider the comparative clinical effectiveness and cost of different treatments and diagnostic tests in deciding what it will pay for. Give beneficiaries some skin in the game by allowing cost-sharing contributions to vary based on evidence of clinical effectiveness and cost, so that they would pay little or nothing out-of-pocket for services of high value, and more for services of lower value. Cover and pay for advanced care planning and palliative care. Allow Medicare to get the best prices for drugs by acting as a prudent buyer, just like the VA does for its programs, but Medicare is prohibited by law from doing. Begin to pilot test ways to adjust the pricing of physician services based on evidence of clinical effectiveness, so that doctors might be paid more for services that have more value to their patients and less for ones of lesser value. Reward and strengthen primary care, which studies show is associated with better outcomes at lower cost. Pay for models, like Patient-Centered Medical Homes, where internal medicine specialists and other primary care physicians would work with teams of other health professionals to improve care coordination and achieve better outcomes for their patients—with accountability for achieving the desired results. In other words, allow Medicare to do what any good business or government purchaser of services would do: purchase care that has been shown to deliver the best bang for the buck. Common sense, you would think, but ACP’s proposals will invite controversy because much of the health care industry benefits from the status quo. If you are a physician who is doing just fine because Medicare pays you more than its services might be worth to the patient, you won’t want change. If you are medical device manufacturer that is doing just fine because you can get Medicare to cover the fanciest and newest diagnostic test without having to show that it offers any real value over existing and less costly alternatives, you won’t want change. If you are a drug manufacturer that is doing just fine by charging the federal government and patients a lot more than you would get if you had to competitively bid for Medicare’s business, you won’t want change. But for internal medicine specialists and their patients, change is needed because the status quo is not working. You are not being paid commensurate with your value. You are not paid for things that can improve outcomes and save money, like advanced care planning and care coordination of high-risk, high-cost patients. You and your patients are not benefiting when hundreds of billions of dollars are wasted each year on things that have little or no clinical value or are overpriced, money that could be used to shore up support for primary care internal medicine and cut the deficit. Some controversial ideas to save Medicare money have not earned ACP’s support, because they would shift more costs onto the backs of seniors who can’t afford to pay more. So in the position paper released this morning, ACP reaffirmed its opposition to a Medicare premium support model, unless and until well-designed pilot tests are done to determine the impact of premium support on patients’ access and out-of-pocket costs, adverse selection, and other factors. Making seniors wait until age 67 instead of 65 to qualify for Medicare also didn’t make ACP’s cut, because this will just lead to more uninsured seniors—although some of them would end up on underfunded Medicaid programs—unless they are provided other affordable coverage options during the two more years they would have to wait for Medicare. For instance, ACP suggested that advancing the age of Medicare eligibility could be accompanied by allowing anyone over the age of 55 to buy into Medicare, with subsidies for lower-income persons, bringing more younger and lower-risk, lower-spending persons into the program while providing a coverage bridge until they reach age 67. By walking the walk on proposing ways to lower Medicare costs while improving outcomes, ACP will get its share of abuse. I have no doubt that someone will try to pin the “rationing” label on us, even though there is a huge difference between spending money rationally by taking into account value to the patient—ACP’s approach—and denying access to services that actually have been shown to have value because the government doesn’t want to pay for them, the true definition of rationing. But someone had to take the issue of unsustainable Medicare spending head on, and I am glad it is an organization of internal medicine specialists, because doctors more than anyone else have the credibility with the public, and the understanding of where our health care dollars are going, to make a real contribution to enlightening the debate on health care costs. Today’s question: What do you think of ACP’s proposals to reform Medicare in an age of deficit reduction?
Source: acponline.org

Video: Medicare Fraud – Coming of Age TV

Countervailing Truths: FINALLY…Some Good News About Healthcare!

“This is a kill-two-birds-with-one-stone kind of proposal that would both bring down Medicare as we know it and threaten the stability of the FEHBP,” said association president Joseph Beaudoin. “As for the senators’ notion that America’s seniors should be in the same health care system as America’s elected officials, they seem to have forgotten that starting in 2014, members of Congress will no longer be covered by the FEHBP but will be in state-based health care exchanges.”
Source: blogspot.com

Understading Medicare Qualifications & Coverage

Medicare can be used as secondary insurance with another plan. However, if you choose to use another insurance provider, it’s important that you read the fine print on how these plans will work together. Some insurance companies will not allow you to use Medicare as a secondary insurance provider. Costs that are not covered by these plans cannot be picked up by Medicare. It is possible to coordinate an insurance plan to work with Medicare, but it’s important that you ask your other provider exactly how your plan will work with Medicare.
Source: ezquote.com

Blog Health Care: Raising the Age for Medicare Eligibility

This week the Congressional Budget Office released a report on proposals to raise the age of eligibility for Medicare and Social Security. The CBO concludes that raising Medicare eligibility to 67 would reduce federal spending by $148 billion between 2012 through 2021. By 2030, Medicare’s net spending would be reduced by 5% – 4.7% of GDP rather than 5%. Those numbers sound good. But reducing federal expenditures doesn’t reduce the need for medical care. Some lucky folks (I’m in that category) (a) have employment that provides health insurance and (b) are happy to continue working. Some who would rather retire will continue to work, increasing health care costs for their employer (and fellow employees). Some will scramble to find alternatives which will cost them more than Medicare would. And some will become uninsured, at an age when this is progressively risky. Overall costs – to individuals, employers and other government programs would probably go up more than the $148 billion reduction in Medicare outlays. The CBO does not comment on the fact that employers are not clamoring for ready-to-retire employees to stay on the job simply to avoid being uninsured. Raising the Medicare eligibility age isn’t meaningful cost reduction – it’s simply a form of hot potato, dumping the costs into other accounts. It intensifies the fragmentation of our health system, and worsens overall quality of care. In my view, the proposal is born out of despair about achieving constructive Medicare reform in which health professionals, patients and families collaborate on behalf of improved care (basically more compassion and less technology) and reduced costs. From 35 years of practice in a not-for-profit HMO setting I know this kind of collaboration is possible. But it requires a spirit of cooperation and trust that is not easy to find in our toxic political environment. 
Source: blogspot.com

The benefit value of Medicare

Relative to the typical large employer PPO plan, Medicare provides somewhat more generous benefits for low-cost individuals ages 65 and older because of the relatively low Part B deductible for individuals who do not use inpatient care; however, Medicare is less generous than the typical large employer PPO plan for seniors with moderate and high costs. Similarly, relative to the FEHBP Standard Option, Medicare is slightly better for low-cost individuals ages 65 or older, but is notably less generous for moderate cost individuals and somewhat less generous for high cost individuals.  Read more
Source: medicareindex.com

Romney Calls For Raising Medicare Age Gradually To 67

The Wall Street Journal: Romney Offers Medicare Plan  Medicare, which Americans are entitled to beginning at age 65, is a prominent driver of the federal government’s ballooning long-term debt … Those who favor raising Medicare’s eligibility age point out it hasn’t kept pace with increasing life expectancies. When Medicare was passed in 1965, the average life expectancy was about 70 years. Currently, it is around 80 years … In a report last month, the nonpartisan Congressional Budget Office found … seniors whose access to Medicare was delayed would pay more for their health care (Murray and King Jr., 2/25).
Source: kaiserhealthnews.org

Romney: Increase Age For Medicare, SS

Four days before critical primary elections, Republican presidential contender Mitt Romney outlined a far-reaching plan Friday to delay Americans’ eligibility for Medicare and Social Security. Romney said the gradual shift, as people live longer, is needed to steer the giant benefit programs toward economic sustainability. Speaking to the Detroit Economic Club – in cavernous Ford Field, where the Detroit Lions football team plays – he also sought primary election support in Michigan, which votes on Tuesday along with Arizona. Romney said previous steps to toughen government emission standards had “provided a benefit to some of the foreign automakers” at the expense of American companies. He said future changes should be worked out cooperatively between government and industry/Associated Press. More here. (AP photo of Mitt Romney in Michigan Friday)
Source: spokesman.com

Is it Time to Change to a Modernized Medicare Supplement Plan?

Consider how Medicare and Medigap plans work. Medicare, being the primary plan, leaves many “gaps” also know as deductibles and co-insurance for the insured to pay. Medicare Supplement plans (Medigap), fill this void. The majority of individuals purchase a Medicare Supplement when they turn sixty-five or begin Medicare for the first time. Obviously, for the most part, from an insurance company stand point, the younger the insured client, the better. Younger people typically are healthier than older people and therefore they file less claims. For an insurance company, less claims mean more profit. Now consider this fact regarding pre-modernized Medicare Supplement plans. They are in effect closed to all new enrollments. No individual newly aging into Medicare may purchase a pre-modernized Medigap plan. Obviously then the average age of the insureds in these pre-modernized plans is going to increase and, as the avearge age of the insureds increases, so will claims. What is the number one factor which causes premium increases for all Medicare Supplement plans? That’s right, claims!
Source: medicarequotefinderblog.com

Volunteers continue to be essential for SHIIP’s operation

Posted by:  :  Category: Medicare

Harry Reid, Health Care narrow by Truthout.orgIn addition to the program’s professionally-operated call center, SHIIP has a volunteer base of 124 county coordinators and 753 volunteers assisting Medicare beneficiaries in all 100 N.C. counties. They must successfully complete a computerized training course to become certified to better help people with Medicare. They are required to attend quarterly follow-up trainings, and they must provide 40 hours of counseling services annually to maintain their certification. Without these volunteers, SHIIP could not reach out to all the people using Medicare across the state.
Source: kinston.com

Video: NC Medicare | NC Medicare Supplement

Medicare releases states’ catheter infection rates; NC in middle

Central-line infections are introduced into the body when hospital staff do not properly clean and administer a catheter. Because a central-line infection is a hospital-induced infection, it is a clear result of medical malpractice. Yet even though the development of these infections can clearly indicate negligence on the part of a doctor or his staff, central-line infections are not uncommon — according to the study, one in six hospitals nationally suffers from high rates of the infection.
Source: charlottepersonalinjurylaw.com

Medicare Durable Medical Equipment Rules

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Source: beckfamilync.com

DownWithTyranny!: Gov. Bev Perdue (D

“Our constitution,” exhorts North Carolina Governor Bev Perdue, “was written to guarantee rights, not to take them away.” She urges all North Carolinians to vote against the homophobic travesty known as Amendment One in the video above. Unwilling to just come out and say “don’t fuck with our gay citizens,” she, like many conservatives of both parties, says “This proposed amendment could harm women, children, families and businesses across North Carolina.” Great; we’ll take it. Thanks for holding your nose and giving our existence a backhanded ok. Better than nothing– and better than what Democrats in Asheville are getting from homophobic fanatic running for Congress, Hayden Rogers, who is urging his supporters to vote for Amendment One, one of North Carolina’s few Democrats to be doing that. He wants to go to Congress to continue the hateful, bigoted career of his boss, Heath Shuler. Guided by the hypocrites among DC Dems– who urge their Blue Dogs candidates to never include policy positions on their website, but just some sappy non-controversial pabulum, Rogers has run a stealth campaign. He refuses to participate in any debates and has been counting on high profile endorsements from conservatives who fear a real populist like Cecil Bothwell. Rogers’ anti-gay stance didn’t keep Governor Perdue, for example, from headlining a fundraiser for him in Raleigh, which was also attended by Lt. Gov Walter Dalton, who is running for governor, former Congressman Bob Etheridge (also running for governor), state Senator Martin Nesbitt of Asheville, and Rep. Mel Watt, shamefully, a Congressional Progressive Caucus member. Steny Hoyer has given Rogers $5,000 and Heath Shuler’s sleazy 3rd and Long PAC has transferred $10,000. Because Rogers is being cagey about his positions and only brags about being a Blue Dog it’s been difficult for NC-11 voters to be able to compare him and Cecil. But it would probably be fair to assume he’s a Shuler doppelgänger and that their policy agendas are exactly or almost exactly identical. Here’s a convenient comparison between Bothwell and Shuler on the issues: • Jobs Bothwell: Fully supports the American Jobs Act. We need to rebuild America and the economy and people need jobs, now. Shuler: Opposes putting people to work now, instead prefers to cut spending and preserve tax breaks for the rich. • Education Bothwell: High quality education is essential for our economic future and for effective civic participation. Informed voters make better decisions. As the richest nation in the world, we can’t afford not to educate every student up to the limits of their ability. Shuler: Repeated votes to cut federal spending, including education. Says GOP position is too liberal, wants to triple their proposed cuts in federal spending. Prefers tax breaks for the rich. • Social Safety Bothwell: We must preserve earned benefit programs including Social Security and Medicare, while providing Medicaid for those in need. Medicare should be available to everyone as the “public option” missing from the Affordable Care Act. Shuler: Repeated votes for GOP plans which demand steep cuts in Social Security, Medicare and Medicaid. Supported “Cut, Cap and Balance,” which would have drastically reduced such programs, then supported the GOP deficit ceiling deal, which will automatically slash such programs if Congress doesn’t do it first. Voted against the Affordable Care Act. • Campaign Finance Bothwell: Will not accept corporate or corporate PAC money. Over 1,000 individual donations as of March 20. Holds $15 and $25 per ticket events. Shuler: Solicits corporate PAC money. Accepted $24,000 from AT&T, then became congressional cheerleader for job-killing AT&T/T-Mobile merger. Has few, big dollar donors, averaged $714 apiece in 3rd quarter 2011. Holds $2,500 and $5,000 per ticket events. • Abortion Bothwell: Abortion should be rare, safe and legal. Federal health care funds should underwrite Planned Parenthood and other organizations that provide women’s health care, sex education and abortion services. Shuler: Abortion should be illegal. Federal funds should not be spent on Planned Parenthood or abortions. Rape should be redefined to only include forcible rape. • Afghanistan Bothwell: Out of Afghanistan yesterday. Opposed wars in both Afghanistan and Iraq, starting in the weeks after 911. Wants to end military involvement overseas. Shuler: Cast one vote to speed exit, but no votes to defund the wars. Voted to extend U.S. military presence in mideast. • Alternative energy projects Bothwell: They should receive high priority. We can’t drill our way out of the end of easy oil. We need to address global climate change. Shuler: Alternative energy takes second seat to more drilling, including the North Carolina coast. Drill baby, drill! No action on climate change. • Civil liberties Bothwell: Oppose government surveillance of U.S. citizens not suspected of crimes. Oppose USAPATRIOT Act. Shuler: voted to permit telecom companies to participate in government surveillance of U.S. citizens. Voted against videotaping of military interrogations. Voted to extend USAPATRIOT Act. • Faith Bothwell: Subscribes to Jefferson’s view that ethics are at the core of belief, in particular attempting to live life by the Golden Rule. Active member of his church. “A person’s beliefs ought to be private as an essential part of freedom of religion.” Shuler: A member of The Family, a group which believes that normal rules don’t apply to “chosen” leaders, co-chair of the National Prayer Breakfast. • Family Values Bothwell: Actually valuing families is more important than touting illusory “values,” — usually a code word for “people like us.” Universal single payer health insurance, raising the minimum wage, and paid maternal leave all truly value families. Shuler: “Strong families, blessed with hope and opportunity, filled with ambition and dreams, and guided by faith and principle are the heart of America.” Voted against health care, against Planned Parenthood, against extension of unemployment benefits, against expansion of hate crimes act. • Free trade Bothwell: Vocally opposed free trade since 1990. Wants to cancel or substantially revamp NAFTA, CAFTA, WTO and GATT. Level playing field with tariffs. Shuler: Has offered some support for renegotiation of free trade rules. Voted against Korea, Columbia, Panama deals, but has not pushed for revision of NAFTA or CAFTA. • Guns Bothwell: Supports ban on assault weapons, a ban on 30 bullet clips, background checks. Supports the 2nd Amendment and hunters’ rights. Learned gun safety as a child and supports safety education. Will not carry a gun. Shuler: Supports the NRA, opposed extension of the ban on assault weapons. Carries a concealed weapon. • Health Care Bothwell: Supports single-payer, universal health insurance, via extension of Medicare system. Shuler: Voted against the health care bill, opposes universal single-payer plan. Voted against funding Planned Parenthood, against stem-cell research. Voted for Stupak amendment. • LGBT Bothwell: Human rights are human rights regardless of race, ethnicity, gender, gender orientation, religion, or any other qualifier. Marriage should be a religious choice, not a government function. Supports ENDA. Helped institute domestic partner benefitsfor City of Asheville employees. Shuler: Opposes ENDA. Believes marriage is only between a man and a woman. Hadn’t heard of DOMA before a group of constituents explained it to him during an office visit this year. Stated that gender orientation is like having a favorite sports team. • National Debt Bothwell: “There’s no reason to worry about the national debt during a recession. We need to spend federal money to refurbish our infrastructure– roads, bridges, water systems NOW.” Repayment for those projects will come later, with inflationary dollars, and as in the past, we’ll all be better for that investment. Debt Limit: Supported the 95 Dems who voted against the recent bad bargain. Shuler: As a leader of the Blue Dog Coalition, he is committed to reducing the national deficit. “It is essential to the long-term viability of our economy that we reign in out-of-control spending.” Debt Limit: Voted with the 95 Dems who supported the recent bad bargain. • Stimulus plan Bothwell: It should have been bigger. Shuler: voted against it. • Taxes Bothwell: Tax the rich. Tax imports. Tax stock and derivatives transactions. Shuler: Voted to extend tax cuts for the rich. If Cecil Bothwell is the kind of man you would like to see serving in Congress instead of another Republican-lite Blue Dog, please consider giving him a hand here at the Blue America page. Please watch his latest video and think about what you can afford to give.
Source: blogspot.com

DANGER AHEAD, GOVERNMENT HEALTHCARE

The goals of your health care providers and Medicare have been to decrease your cost of health care and increase the quality.  In the process, the health care providers have become wealthy and cheated you and me horribly.  In like manner, government has turned the notion of a humanitarian project (Medicare), chuck full of fraud, into a debt service upon the American people that is so astronomical as to be absolutely impossible for us to ever meet!  Now, the government will absorb the health care providers, leave them with a little bit to do and with government regulations, completely take over.  As I indicated above, the quality of patient care in this country is dropping off dramatically.  Health care providers told me how to care for my patients.  I disagreed and moved on.  Dangerous cut corners are unethical and contrary to the Hippocratic Oath, PERIOD.  Where is the quality in rationing health care to our people, be they seniors or younger folks who just want to get better?  This isn’t quality, It’s murder.
Source: nctpp.org

CMS Reveals First 27 ACOs in Medicare Shared Savings Program

The ACOs span 18 states and will cover roughly 375,000 beneficiaries. Five of the 27 ACOs are participating in the Advance Payment ACO Model, under which each ACO will receive advance payments to help cover the costs of establishing an ACO infrastructure. The names of the Advance Payment ACOs were not disclosed in the news release. CMS is now reviewing more than 150 applications from ACOs seeking to participate in MSSP beginning July 1. Of those applicants, more than 50 are applying for the Advance Payment ACO Model. The first 27 ACOs to participate in the MSSP program are listed here, along with their respective locations: 1. Accountable Care Coalition of Caldwell County, LLC (N.C.) 2. Accountable Care Coalition of Coastal Georgia 3. Accountable Care Coalition of Eastern North Carolina, LLC 4. Accountable Care Coalition of Greater Athens Georgia 5. Accountable Care Coalition of Mount Kisco, LLC (N.Y.) 6. Accountable Care Coalition of the Mississippi Gulf Coast, LLC 7. Accountable Care Coalition of the North Country, LLC (N.Y.) 8. Accountable Care Coalition of Southeast Wisconsin, LLC 9. Accountable Care Coalition of Texas, Inc. 10. AHS ACO, LLC (N.J.) 11. AppleCare Medical ACO, LLC (California) 12. Arizona Connected Care, LLC (Arizona) 13. Chinese Community Accountable Care Organization (N.Y.) 14. CIPA Western New York IPA, doing business as Catholic Medical Partners (N.Y.) 15. Coastal Carolina Quality Care, Inc. (N.C.) 16. Crystal Run Healthcare ACO, LLC (N.Y. and Pa.) 17. Florida Physicians Trust, LLC 18. Hackensack Physician-Hospital Alliance ACO, LLC (N.J.) 19. Jackson Purchase Medical Associates, PSC (Ky.) 20. Jordan Community ACO (Mass.) 21. North Country ACO (N.H.) 22. Optimus Healthcare Partners, LLC (N.J.) 23. Physicians of Cape Cod ACO (Mass.) 24. Premier ACO Physician Network (Calif.) 25. Primary Partners, LLC (Fla.) 26. RGV ACO Health Providers, LLC (Texas) 27. West Florida ACO, LLC
Source: beckersorthopedicandspine.com

Daily Kos: PPP: Paul Ryan’s Medicare plan wildly unpopular even in North Carolina

By almost a 2:1 margin, the state’s voters are against the Paul Ryan Medicare proposal. Without Ryan’s name or party mentioned, 47% of voters are opposed to seniors receiving a voucher for private insurance, with only 24% in support. At 17-61, Democrats are starkly against the plan, as are independents (22-40), but even Republicans fall only 35- 33 in support. Seniors are the most opposed, with only 18% supporting and 56% opposing the Ryan plan. But the youngest voters, those who would be affected by the plan in 25 years or so, are also very much against it, 24-52.
Source: dailykos.com

Better Medicare Supplement Insurance And Medicare Quality

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSUnder the new rules, organizations meeting certain qualifications will be given permission to access patient-protected Medicare data to produce public reports about the health care services of clinics, doctors and hospitals.  These reports will combine Medicare and Medicare Supplement Insurance claims data with private sector claims data to point out which health care providers give the most cost-effective and highest-quality services.  This strategy is a part of the Affordable Care Act aimed at improving medical care, making people pro-active about their health, and driving down health care expenses. 
Source: presidential.co

Video: Medicare Supplement Insurance Plans – Where Do I Start?

Merits of Using Medicare Dietary supplement Insurance policies Plans

Nonetheless, regardless of the apparent medical assurance a particular can get from having Medicare health supplements, a ton of senior citizens are cautious of applying for these ideas. Just like other insurance policy programs, high quality fees range in accordance to the supplement programs the enrollees pick out. Various private insurance policies suppliers might also offer you dissimilar rates on the equivalent strategies, so it happens to be most beneficial for retirees to meticulously think of which insurance coverage company to trust.
Source: faithquestions.org

Medicare supplement insurance the help in need to get better benfits

Moreover, it is also a very crucial matter to make the choice of the Medicare supplement plans very carefully. In fact the point is that while choosing your Medicare supplement plans the most important thing that is needed is to compare Medicare supplement plans so that you can easily make the choice of the perfect plans matching your needs. In fact there are also several other options available for choosing Medicare supplement plans. In fact one of the most common means is to go online and look for the Medicare supplement services selling websites where you can easily get the best choice of the Medicare supplement plans comparing one with the other. However, it is always a better idea to go through the offer documents carefully and if you are able to go through the offer documents of all of them, it would be much better to get the best choice of the Medigap plans.
Source: ezinemark.com

From Serving Soldiers to Serving Seniors Veteran Tackles Medicare Supplemental Insurance

Centaur Medicare Solutions LLC., an up and coming insurance agency, celebrates its first year in business helping people aged 65 and older find low cost Medicare supplemental insurance. In the past year Centaur Medicare Solutions LLC. expanded from helping seniors in Georgia find the lowest-priced Medicare supplemental insurance to targeting 29 states including California, Florida, and Texas. As an independent agency, Centaur Medicare Solutions’ success is due to its ability to offer insurance quotes from a variety of well-known and not so well-known insurance companies. Other areas of the insurance industry that Centaur Medicare Solutions LLC is expanding into are term life insurance and emergency transportation. “Our websites now feature a term life quote engine making it easy for our customers to find insurance that best meets their needs right from the comfort of their own homes. We also recently partnered with Medical Air Services Association and will be rolling their MASA Assist products out on our websites soon as well,” owner Joel Moyer. About Centaur Medicare Solutions LLC Centaur Medicare Solutions LLC, a veteran-owned business, is located south of Atlanta, Georgia and is on the internet at http://centaurmedicaresolutions.com and http://medicare-supplement.biz. This business is unique in that the owner has leveraged his twenty years of military experience in taking care of soldiers and applied it to taking care of seniors. This business help customers find low-cost Medigap, term life insurance, and travel insurance. Contact: Centaur Medicare Solutions LLC centaurmedicaresolutions.com 1(800) 644-2926 P.O. Box 2650 McDonough, GA 30253
Source: sbwire.com

Advantages of Having Medicare Complement Insurance protection Strategies

Aside from the advantage of added insurance policy coverage, Medicare supplement designs are also acknowledged by hospitals and clinics that acknowledge unique Medicare ideas. This way, retirees will not likely have to exert substantially time and effort and hard work in hunting for health establishments that discover the supplement programs. Obtaining a Medicare complement insurance protection strategy permits senior citizens to get the expert health related treatment they need to have, while not worrying about not being have the ability to manage the products and services.
Source: officerelocationmagazine.com

Medicare Supplement Plans Comparison – Some questions to make the process easier

Choosing a plan is the first thing that one should do. Price comparison is the second job that one must keep at the priority list. After having a right plan in hand, price comparison can be done without worrying for the coverage or features. Medicare supplement insurance is one of the best types of insurance policies that one can buy for the family. It is also essential to create a checklist of to –do things before getting involved in buying an insurance policy. What kind of services you want? What type of treatments or medications you could require in the coming years? If you have good understanding of all such things, it will be easy for you to decide upon a right policy.
Source: ezinemark.com

Medicare Supplement Insurance

Medicare supplement insurance will likely be priced according to several different factors. These factors involve age, and community. There are two different kinds of age categories for rates. The first is age attained rate. The second is issue age rate. These supplement plans are treated much like other insurance policies in most ways. Sometimes they are subject to inflation. Other times they are regulated by law. It’s important to know how your supplement insurance is priced, so that you’ll get properly prepared for how much you must pay for it. The attained age rate premium may seem like the lowest premium of. Out of all the Medicare supplemental insurance quote, it starts out at the lowest pricing. However, it doesn’t stay low. The premiums goes up as you get older. They will continue to move up. It is similar to an adjustable rate mortgage. There is absolutely no fixed price, or guarantee on the fixed price. This will hurt you in the long run. It’s a common fact that you have less income as you get older. With constantly increasing premiums, you may find that you really can’t afford to fund your supplemental insurance whatsoever. This can result in lack of policy, which you may need at a crucial time that you saw. Issue age rate situated upon the age you start paying for your Medicare supplemental insurance. Younger you are, the less you’ll have to pay for your insurance. If you start investing in it at age fifty-five, your premium will be lower than someone else who started investing in their policy at grow old 60 or 70. This can be a good choice for individuals who are worried about obtaining a fixed premium. While this premium may still have inflation, you won’t have to pay more for ones premium because you’re ageing. This is the principal difference between issue-age costs and attained age costs. The final pricing method is by community. This is also called no age related policy. This type of policy is offered to individuals who are part of a large group that all share something in keeping. As long as you are all the main same community, your age is not really a determining factor within pricing. All policy holders pays off one flat fee that won’t go up, except with cases of inflation. This can be a good policy for those that need a fixed premium. It relieves financial pressure.
Source: blogspot.com

Ametros Financial and Ringler Medicare Solutions Announce Partnership to Provide Professional Administration Services

Posted by:  :  Category: Medicare

Insurers, third-party administrators and employers are faced with a host of challenges when it comes to controlling and containing costs related to a settlement, especially in protecting Medicare’s interest when dealing with medical treatment, services and prescriptions. Ametros Financial and Ringler Medical Solutions have teamed up to solve these challenges, to alleviate the anxiety of claimants/plaintiffs and to mitigate the liabilities of all parties both before and after settlement.
Source: ulitzer.com

Video: Medicare Solutions

Secure Medicare Solutions Launches New National Web Presence, Medicare

The agency, which specializes exclusively in Medicare insurance, has worked with South Carolina clientele in the past but is now expanding their reach into 35 other states. Selling primarily Medigap insurance, which is nationally-standardized, has allowed Secure Medicare Solutions (SMS) to reach many new people with this financially-important product.
Source: swampfox.ws

Ametros Financial and Ringler Medicare Solutions Announce Partnership to …

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Source: lawyer4cancer.com

United Healthcare Medicare Solutions – Career Agent Position (Inland Empire)

Due to market expansion, we have immediate openings in our Senior Health Insurance Products Division. This is a career agent position, and requires a State Health Insurance License. United Healthcare is a 55 Billion Dollar company, with over 73,000 employees, and over 70 million customers. Named by Fortune Magazine as the most admired Health Insurance Company in the World, United Healthcare truly has a lot to offer. We provide year round marketing and training support, specific to your market. We provide personalized lead support, dedicated training, and ongoing coaching. We also offer a full agent contract, no assignment of commissions, no separate contract to sign, you would be directly appointed with United Healthcare. This means that you own your own book of business. Our exclusive and proprietary marketing campaign is ongoing, and generates leads throughout the year. We do not charge for leads, and we do not charge for supplies. We are exclusive to United Healthcare for Medicare Products. In order to receive our leads, you would need to be exclusive to United Healthcare for these products also. If you are contracted with a competitor, we can still work with you, but we cannot provide leads to you. We are looking for either career agents, who are interested in a year round career opportunity, with leads and ongoing support and resources, or those who are interested in helping their current clients, on a very part time/occasional basis, and who would not want/need lead support as a result. We are open to any reasonable combination of these opportunities as well. Full training is provided, as well as personalized coaching, individual strategy planning, etc. If you don’t currently have e&o insurance, ask us about our complimentary e&o program (no cost). Here are some highlights of the products we offer: – 0 Premium Product – $500 average first year commissions per sale – 12 month advance – 10 year payment cycle (1st year + 9 yr renewals) – No cost lead support – Local training and resources – Local & National Support – Direct Company Appointment – Commissions paid twice weekly – Year Round Opportunity – Ongoing Marketing Support – No Assignment of Commissions – You Own Your Own Book – Agency Opportunities – General Agent Opportunities – Ask us about our Complimentary E&O program This means that if you average 5 sales per week, you can earn up to $100,000 first year in commissions, and $48,000 per year in renewals. At 7 sales per week, you can earn up to $140,000 first year commissions, and $70,000 per year in renewals. After a few years, your renewals could easily exceed your first year commissions, and the good news is that there is no time frame requirement to become vested, and you own your own book of business. We are in the midst of a major marketing campaign, including a variety of ongoing strategic efforts. This is an exciting time for us, and the good news is that if you would like to be part of our success, there is still time to contract. This contract would include AARP Medicare Complete, AARP RX Saver, Secure Horizons, and Evercare Products, as well as the AARP Medicare Supplement Products (including the new modernized plans). This is for a direct appointment, with a full agent contract, and is intended as a career opportunity. Please let us know if you are interested, by email, and we can discuss the opportunity further. Time is of the essence, since contracting and becoming certified to offer these great products takes approximately two weeks, and the busiest season of the year is fast approaching. We are busy year round as well, but we are currently in immediate need of dedicated agents to help us service opportunities during this exceptionally busy time. We are filing limited slots. For immediate consideration, reply to this posting and please include your phone number, and a summary of your experience. We will respond to qualified candidates promptly. If you are primarily interested in marketing to your current clients, and/or professional networking, we can provide ongoing support for your efforts as well. Bilingual Candidates are encouraged to apply (Spanish, Tagalog, Ilocano, Chinese, Japanese, Korean, etc.). For highly qualified candidates, General Agent opportunities may be available in specific markets. Thank you for your interest in United Healthcare Medicare Solutions, and Secure Horizons.
Source: 2ndincomejobs.com

New Medicare Law, Help or Hindrance to US Physicians

That sounds pretty simple, but it doesn’t seem to consider patients with chronic illnesses or patients who don’t follow their doctors’ instructions. Some worry that doctors who want to receive the financial incentives may short shrift their patients or refuse to treat those with chronic or serious illnesses like asthma or Crohn’s disease. Any time the phrases “health care” and “manage costs” appear together in the same sentence, patients start to feel afraid. They naturally assume that in order to “manage costs,” their physicians will spend less time with patients, which could in turn lead to the doctors’ missing things that might have been caught during longer examinations or consultations.
Source: citrusnsg.com

Advantages of Having Medicare Complement Insurance protection Strategies

Aside from the advantage of added insurance policy coverage, Medicare supplement designs are also acknowledged by hospitals and clinics that acknowledge unique Medicare ideas. This way, retirees will not likely have to exert substantially time and effort and hard work in hunting for health establishments that discover the supplement programs. Obtaining a Medicare complement insurance protection strategy permits senior citizens to get the expert health related treatment they need to have, while not worrying about not being have the ability to manage the products and services.
Source: officerelocationmagazine.com

Outcomes Health Information Solutions Names New Senior Vice President of …

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Source: medicaltips.biz

Arizona Health Net Medicare HMO Customers Fraudulently Transferred to United Health’s AARP Medicare HMO as of 12.07.2011

Posted by:  :  Category: Medicare

I was told by another person from Health Net that this appears to have been the work of one sales person. I said I wanted the person’s name and other information because I plan on suing them. He said that he would give me that information after the investigation was over. I’m not going to hold my breath. In reality I doubt they can point to one person as the supervisor I last talked with told me the applications were filed online. A sales person would only be responsible if they’d personally signed people up for AARP. Did one salesperson submit hundreds (or more) fraudulent applications online? Did one salesperson process all of the fraudulent online applications? Neither scenario seems likely. Or were they submitted by phone or mail as others first told me?
Source: wordpress.com

Video: Health Net Medicare Part D Insurance – Compare to 180+ Comp

CVS Caremark looks to purchase Health Net's stand

“We believe this proposed transaction is in the best interests of our Medicare PDP members and our stockholders,” stated Jay Gellert, president and CEO of Health Net. “Our Medicare PDP members, who have received certain services from CVS Caremark for five years, will now be affiliated with one of the nation’s largest Medicare PDP sponsors.
Source: drugstorenews.com

Healthnet Medicare Formulary

/url?q=http://www.petfinder.com/pet-health&sa=U&ei=fDVdT5CDGuLq2AXU4MSYBQ&ved=0CJYBEBYwKzgB&usg=AFQjCNGxl49tJ_NKFh__Zq7P09kItKtIlw /url?q=http://www.joyofkidding.com/laughterclub/HealthWrArticles.html&sa=U&ei=fTVdT8XzBeKG2gWI3oHzDg&ved=0CHgQFjAfOGU&usg=AFQjCNH6t_s_JCmWCtcmYIogW3Lm9a_edw /url?q=http://www.askahealer.com/free-health-articles.htm&sa=U&ei=fTVdT8XzBeKG2gWI3oHzDg&ved=0CPUBEBYwTjhl&usg=AFQjCNEySjZDyzbdPwGQOiuAywdRMfVW3A /url?q=http://www.adam.com/MutlimediaEncyclopedia.aspx&sa=U&ei=fTVdT-T4K6Pa2AW25pzyDg&ved=0CF8QFjAZOMkB&usg=AFQjCNG13FRzCsqxOo-wYrQqMnyozlo3dQ /url?q=http://www.healthiertoo.com/health-product-store/&sa=U&ei=fTVdT-T4K6Pa2AW25pzyDg&ved=0CG0QFjAdOMkB&usg=AFQjCNFnQzh8iTnDw0I_O7d4pm-TDqtXIQ /url?q=http://www.personalpowertraining.net/articles.htm&sa=U&ei=fTVdT-T4K6Pa2AW25pzyDg&ved=0CLIBEBYwNzjJAQ&usg=AFQjCNFJh_zvCygLcd0JzQ9aHSep2aWGMg
Source: yourhealthwellness.org

Health Net Sells Part D Plans to CVS

Through both the pre- and post-transaction activities, Health Net will continue being laser-focused on the needs of our Medicare PDP customers and providing them with high-quality prescription drug products and services. We are working hard to ensure that our current PDP customers and business partners experience a seamless transition of services, and are confident of this due to our current partnership with CVS Caremark.
Source: insuremekevin.com

Medicare Supplemental Insurance: What It is and Why You May Need It

In order to receive Medicare Supplemental Plans advantages, you have to be enrolled in Element A or Element B of Medicare currently. For the duration of the open enrollment period, a particular person can obtain a Medigap strategy on a guaranteed situation basis, in which no medical screening is essential. This open enrollment period starts within 6 months of turning 65 or enrolling in Medicare Element B at 65 or older. Outdoors of the open enrollment period, the insurance coverage organization that is issuing the Medigap Insurance could call for that you obtain an attending physician’s statement or a medical screening in order to get a strategy. If you are beneath the age of 65 but are nevertheless getting Medicare, it may well be a little much more difficult to get South Carolina Medicare Supplements. A slight majority of states call for that insurers provide at least one particular variety of Medigap insurance coverage to absolutely everyone, and 25 of them call for that Medigap policies be supplied to all Medicare recipients, although, so it is essential to look into the rules for your state if you fall into this category. Source: carinsurance-ohio.com
Source: medicaresupplementalco.com

Marin•Sonoma IPA inks Medicare contract with Health Net for Sonoma County Seniors

Great. Seniors get their coverage so that they don’t have to experience the inconvenience of leaving town. (Even though their property taxes are exempt from the huge costs to keep "their" local hospital in business.) The non-insured also get to keep their "free" local care; paid for by the rest of us. The only ones to be forced to leave town for their health care are working families, who must use Kaiser or other out-of-town options because the local out-of-pocket costs are too high. So those that are paying for this huge privilege of localized medical care in this town are the least likely to be able to use it. Something stinks about this picture.
Source: patch.com

HealthNet Will Pay MA Renewals FOR LIFE

Here’s the e-mail that I received today: Dear Valued Partners: Just in case you didn’t hear the good news regarding Health Net’s change in compensation rules for 2012 we are sending this reminder. The CMS Marketing Guidelines shown below discusses the fact that a plan is required to pay Producer compensation for a 6-Year Cycle. After the 6-Year Cycle is complete it is then up to the plan sponsor whether or not to continue to pay agents the renewal compensation. You will be glad to know that in 2012 Health Net modified it’s compensation policy to now pay renewal compensation past the end of the 6-Year Cycle and for as long as the Member remains continuously enrolled in the Health Net Medicare Product that the Producer enrolled them in. I trust that you will find this favorable and a confirmation that Health Net remains committed to the broker channel! Thanks for your continued loyalty to Health Net. PS. This is retroactive to all Medicare Advantage business you have written with Health Net. 2012 CMS Marketing Guidelines (Embedded image moved to file: pic08405.jpg) 2012 Health Net Compensation Schedule (Embedded image moved to file: pic08826.jpg) Please call your Account Executive or Broker Services at 800-708-7646 if you have any questions. We want to thank you for your continued partnership and support!!!
Source: insurance-forums.net

Perfect Storm Batters Managed Care Profits (Aetna, Amerigroup, Coventry, Health Net, Health Spring, Humana, Kaiser, United and Wellpoint)

 The tempest of newly eligible Medicare beneficiaries looks to be the primary driver of large scale federal intervention and spending.  Certainly ERISA will be expanded by the administration to centralize federal authority, and public access to federally available plans. Expect to see real reforms offering national programs that supersede NIAC for Individual and small Group insurance, and go beyond HIPPA protections to large Group coverage.  One thing is dangerously certain.  If the healthiest Group lives get to switch to a better rate or federal plan, it will leave the sickest employees with the same plan and massively drive up experience rated premium in 1-3 years.  If the opposite happens where only the sickest members get Federal insurance, it means massive new taxes in an era of record setting deficits.  There is no free lunch.  Both scenarios point to a society that does not want to continue paying for their runaway insurance premiums, and that could easily be relegated to accepting a National health plan.  We have been warning against the perils of unchecked medical cost-shifting from Medicare and Medicaid to the commercial life for some time.  We are beyond the tipping point where premiums growth is unsustainable for many individual and small groups who continue to bare the brunt at 20% 2009 rate increases.  New Medicare lives will stretch federal spending. Protecting medical plan access to the 45 million uninsured, and offering coverage without preexisting medical condition exclusion is the issue. The numbers tell us that large group plans have real difficulties.  If our DC sausage maker blows the structure of protecting Individuals and Small Groups, it has real chance of bankrupting underwriting Large Group commercial plans.
Source: hightable.com

Health Net Insurance Review and Health Net Ratings

Pricing for Health Net’s products will vary greatly depending on where you purchase your insurance, the type of plan you choose, and how the plan is implemented. Generally speaking, the cheapest Health Net plans, outside of Medicare-based coverage, are the PPO and HMO options available through a group provider such as your employer. These plans provide the lowest premiums possible, as the risk is spread over a large group to keep costs low. If you must purchase individual health insurance, you may find that your premiums are significantly higher and you may have less coverage options than if you purchase your health insurance through your employer. However, Health Net does offer a range of products designed for individual needs, so you can contact the company through their website or by phone to receive a quote for your coverage.
Source: lowcosthealthinsurance.com