Why you should consider an Illinois Medicare Supplement policy

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Senate Dems Protest Medicare Cuts by Talk Radio News ServiceWhen seeking a Medigap policy you need to consider your health care needs and your budget. You’re only allowed to purchase one Medigap plan, but you may be offered other health plans that provide benefits which overlap the Medigap coverage. Some of these could include coverage for specified diseases, cancer, long-term care, and hospital indemnity. If any of the benefits are duplicated they must be disclosed in writing. Remember, there’s no point in buying duplicate coverage since it’s not needed.
Source: abchealthplans.com

Video: Medicare Part D and Prescription Drugs

Tricare Help – How can I get information on Medicare Part C?

In addition, prescription drug costs through TFL are less costly than under Medicare Part D. In fact, the Defense Department advises that the only people who may benefit from Part D coverage are those whose incomes are so low that they qualify for financial aid to pay their Medicare Part B premiums. Moreover, enrollment in Part D will preclude your use of the Tricare Mail Order Pharmacy program, under which you can get a 90-day supply of drugs for the same price that you would pay for a 30-day supply from a local retail pharmacy.
Source: militarytimes.com

CMS Releases New Medicare Advantage and Medicare Part D Rules, Implements Several Provisions of ACA : Duane Morris Health Law

On April 12, 2012, the Centers for Medicare & Medicaid Services (“CMS”) released a final rule with comment period (“Final Rules”) implementing changes to the Medicare Advantage program and Medicare’s prescription drug benefit program, referred to as Medicare Parts C and D, respectively. Part C and D plan sponsors and other participants should carefully review the changes, particularly those related to increased transparency and exclusion from Parts C and D. The Final Rules are the latest effort by CMS to improve accountability, transparency, and effectiveness of the Medicare program. 
Source: duanemorris.com

CMS: Medicare Advantage, Part D To Get 3 Percent Boost In 2013 Reimbursements

Bloomberg: Nursing Homes Won’t Have To Hire Independent Pharmacists The U.S. Centers for Medicare and Medicaid Services backtracked on a plan that would have required nursing homes to hire independent pharmacists to assess residents’ prescriptions. Regulators “decided to further study the issue for future policy considerations,” Jonathan Blum, deputy director of the agency, said in a conference call with reporters late yesterday. The centers said in October it was considering stricter rules to oversee patients’ drug regimens, an announcement that sent the stocks of nursing home pharmacies, including Omnicare Inc. (OCR) and PharMerica Corp. (PMC), tumbling (Wayne, 4/3).
Source: kaiserhealthnews.org

Medicare Supplement Plans Growing In Popularity

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: blog-success-articles.com

A Brief Summary Of Medicare Part C

Commonly, once you enroll with social security benefits, you would be enrolled in Medicare Part A instantly. This plan is going to pay 80% of your bills in case you have to be admitted to the hospital. It does not cover routine office visits, diagnostic testing while you are in the hospital or emergency room visits. All of these services are covered by Medicare Part B. As you may be aware, enrollment in Part B will be voluntary, and often costs about 120.00 each month in premiums. Finally, Medicare Part D will be a special rider to Part B which covers prescription medications. Basically, Medicare Part C will be a composite plan provided by a local carrier (as opposed to the federal government) that would offer the same coverage as Medicare Part A, B, as well as D.
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Am I Required To Purchase Medicare Plan D

What most people think is that they have to keep Medicare part D but the truth is that you are not required to keep any Medicare plan that you receive. Some people will already have insurance through their spouses employer or even through their own and if that is the case, then you might not need any additional insurance. It is a good idea to just see what you need and what you can get extra by calling the number on the back of your Medicare card. What some people don’t understand is that the number on the back of your Medicare card will actually connect you with a real person that will help you with anything that you need.
Source: gulatidental.com

A Short Introduction To Medicare Part C

Commonly, once you enroll with social security benefits, you would be enrolled in Medicare Part A instantly. This plan is going to pay 80% of your bills in case you have to be admitted to the hospital. It does not cover routine office visits, diagnostic testing while you are in the hospital or emergency room visits. All of these services are covered by Medicare Part B. As you may be aware, enrollment in Part B will be voluntary, and often costs about 120.00 each month in premiums. Finally, Medicare Part D will be a special rider to Part B which covers prescription medications. Basically, Medicare Part C will be a composite plan provided by a local carrier (as opposed to the federal government) that would offer the same coverage as Medicare Part A, B, as well as D.
Source: acnetreatmentzone.info

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

Q1Medicare.com Launches Enhanced Medicare Prescription Drug Plan Formulary Browser

Posted by:  :  Category: Medicare

Q1Medicare.com launched their enhanced Medicare prescription drug plan Formulary Browser providing access to drug lists from all Medicare Advantage plans (or MAPDs), stand-alone Medicare Part D plans (or PDPs), and even Medicare Special Needs Plans (or SNPs). The Formulary Browser now offers users four different ways to find their formularies depending on their expertise and needs. Users can search for a desired prescription drug formulary by state and Medicare plan family, by ZIP Code and plan family, by Medicare plan Contract ID and Plan ID or by the specific Formulary ID. Once a formulary is found, users can browse alphabetically by drug name and are shown the formulary drug tier, tier description, preferred pharmacy and mail-order cost-sharing, and details on the drug usage management for each formulary drug. The Formulary Browser is available at no cost and is designed for computer, smartphone, and tablet platforms. Saint Augustine, Florida (PRWEB) August 31, 2011
Source: myuniversalhealthinsurance.com

Video: The National Medicare Training Program: Medicare Prescription Drug Coverage. Part 2 of 2

Insurers Raising Medicare Drug Rates Due to Low Repayment

To stay with an insurer with premiums that are too high to accept a subsidized Medicare beneficiary, low-income seniors are required to come out of pocket or to switch plans. The least expensive response is to switch plans, and according to the report that is what most low-income Medicare beneficiaries do. These new plans could ultimately have different drug formularies which then might require seniors to switch their medications.
Source: caboverd.info

Medicare Prescription Drug Coverage Improvement Act (2009; 111th Congress S. 1634)

Medicare Prescription Drug Coverage Improvement Act – Directs the Secretary of Health and Human Services (HHS) to establish a Federal Coordinated Health Care Office within the Centers for Medicare & Medicaid Services to bring together Medicare and Medicaid officials in order to: (1) integrate benefits more effectively under title XVIII (Medicare) of the Social Security Act (SSA) and SSA title XIX (Medicaid); and (2) improve coordination between the federal government and states for individuals dually eligible for benefits under both programs Amends Part D (Voluntary Prescription Drug Benefit Program) of SSA title XVIII to direct the HHS Secretary to: (1) offer one or more Medicare operated prescription drug plans with a service area consisting of the entire United States; and (2) enter into negotiations with pharmaceutical manufacturers to reduce the purchase cost of covered part D drugs for eligible part D individuals who enroll in such a plan. Provides a premium subsidy and cost-sharing for subsidy eligible individuals. Directs the Secretary to establish a formulary that meets certain requirements. Outlines accreditation requirements for all specialized Medicare Advantage plans. Revises requirements relating to specialized Medicare Advantage plans for special needs individuals. Requires continuous updating of eligibility and enrollment data for dual eligible individuals, continuity of prescription drug coverage for such individuals, and collection and sharing of drug utilization data and formulary information for them. Requires each contractor under the HHS Point of Sale Facilitated Enrollment process to enroll full-benefit dual eligible individuals into a Medicare operated prescription drug plan. Requires the Secretary to lower covered part D drug prices on behalf of Medicare beneficiaries by: (1) negotiating directly with pharmaceutical manufacturers for additional discounts, rebates, and other price concessions; (2) entering into rebate agreements with manufacturers; (3) educating physicians and pharmacists on the comparative clinical effectiveness of covered part D drugs; and (4) instituting prescription drug prices negotiated under the Federal Supply Schedule of the General Services Administration (GSA) for the reimbursement of covered part D drugs. Revises requirements for the financial assistance available to low-income Medicare beneficiaries, including those related to enrollment, a Medicare plan complaint system, and use of a single, uniform exceptions and appeals process.
Source: govtrack.us

Breast Cancer Treatment: Surviving Chemotherapy

Basically, the insurance providers that operate the various plans have a Pharmacy & Therapeutics committee that chooses which drugs they will cover on their formulary and which drugs they will not cover. There is a national formulary coverage standard that the insurance providers must follow when creating their formulary under the new Medicare Prescription Drug Plan. They must provide a certain standard level of drug coverage for particular disease/health condition categories. This means that these plans must cover a certain number of drugs in most disease categories which effect seniors

More than 30 million with Medicare used free preventive services in 2011

Posted by:  :  Category: Medicare

Try new Ryan Plan Senior Food - coming to a Republican Congress near you by EN2008The report discussing Medicare preventive services found that more than 25.7 million Americans in traditional Medicare received free preventive services in 2011. The report also looked at Medicare Advantage plans and found that 9.3 million Americans – 97 percent of those in individual Medicare Advantage plans – were enrolled in a plan that offered free preventive services.  Assuming that people in Medicare Advantage plans utilized preventive services at the same rate as those with traditional Medicare, an estimated 32.5 million people benefited from Medicare’s coverage of prevention with no cost sharing.
Source: medicare.gov

Video: American Sign Language (ASL) – Medicare Basics

Strengthening Medicare And Repaying Taxpayers Act of 2011 (H.R. 1063)

Strengthening Medicare And Repaying Taxpayers Act of 2011- Amends title XVIII (Medicare) of the Social Security Act with respect to any settlement, judgment, award, or other payment between a Medicare claimant and an applicable plan involving a payment made for items and services by the Secretary of Health and Human Services (HHS). Declares that, in the case of a payment to the claimant by the Secretary, and beginning 120 days before the reasonably expected date of a settlement, judgment, award, or other payment, the claimant or applicable plan may at any time but only once: (1) notify the Secretary that a payment is reasonably expected, and (2) request a statement of the conditional payment reimbursement amount for any payments subject to the required reimbursement. Requires the Secretary to respond to such a request, within 65 days after receiving it, with a statement of reimbursement amount. Prescribes procedures for the claimant, an applicable plan, or specified related entities to follow if the Secretary fails to provide such a statement. Specifies circumstances: (1) in which the claimant, an applicable plan, or specified related entities are shielded from liability for certain payments; and (2) in which the Secretary shall be exempt from any obligation for a statement of reimbursement. Directs the Secretary to promulgate regulations establishing a right of appeal and appeals process, with respect to any determination for a payment made under such title for an item or service under a primary plan, under which the applicable plan involved, or an attorney, agent, or third party administrator on behalf of such applicable plan, may appeal such determination. Exempts a primary plan, and an entity receiving payment from a primary plan, from any obligation to reimburse the appropriate Trust Fund for a Medicare payment by the Secretary with respect to any settlement, judgment, award, or other payment by an applicable plan constituting a total payment obligation to a claimant of not more than the single threshold amount calculated by the Chief Actuary of the Centers for Medicare & Medicaid Services (CMS). Requires the Chief Actuary to calculate and publish the single threshold amount annually. Makes discretionary rather than mandatory the current civil money penalty for an applicable plan’s noncompliance with requirements to submit insurance information about a claimant. Requires the severity of each penalty to be based on the knowing, willful, and repeated nature of the violation. Prescribes requirements for the specification of practices for which sanctions will not be imposed on a plan (safe harbors). Directs the Secretary to modify insurance information reporting requirements so that a plan, in complying with them, is permitted but not required to access or report beneficiary Social Security account numbers or health identification claim numbers. Sets a three-year statute of limitations on a Medicare secondary payer claim by the Secretary for reimbursement against an applicable plan that becomes a Medicare primary payer pursuant to a settlement, judgment, award, or other judicial action.
Source: govtrack.us

Senators want better assessment of Medicare fraud detection program :: Health Care Fraud Blog

“As is often said, one cannot manage what one cannot measure,” Sens. Tom Carper, D-Del.; Scott Brown, R-Mass.; and Tom Coburn, R-Okla.; said. Carper is chairman of the Senate Homeland Security Subcommittee on Federal Financial Management, which oversees CMS’ financial issues. Brown is that panel’s ranking Republican and Coburn, a physician, is a subcommittee member.
Source: healthcarefraudblog.com

Medicare Decisions Accountability Act of 2011 (H.R. 452)

3/16/2012–Reported to House amended, Part II. (This measure has not been amended since it was reported to the House as Part I on March 13, 2012. The summary of that version is repeated here.) Medicare Decisions Accountability Act of 2011 – Repeals sections of the Patient Protection and Affordable Care (PPACA) (and restores provisions of law amended by such sections) related to the establishment of an Independent Payment Advisory Board (IPAD) to develop and submit detailed proposals to reduce the per capita rate of growth in Medicare spending to the President for Congress to consider. (Retains, however, requirements for expedited consideration of IPAB-related proposals to reduce Medicare spending.)
Source: govtrack.us

Marco Rubio working to distance himself from Ryan

According to Rubio, he said that entitlement programs such as Medicare and Social Security “Weakened us as a people.” Speaking at the Reagan Presidential Library in August 2011, Rubio said, “So, we are a nation that aspires to two things — prosperity and compassion. Now, America’s leaders during the last century set out to accomplish that. Both Republicans and Democrats established a role for government in America that said, yes, we’ll have a free economy, but we will also have a strong government that through regulations and taxes will control the free economy and through a series of government programs will take care of those in our society who are falling behind.”
Source: saintpetersblog.com

CMS Issues Amended Medicare Physician Fee Schedule for Home Health

Specifically, Section 101 of the MMEA averts the negative update that would otherwise have taken effect on Jan. 1, 2011. The MMEA provides for a zero percent update to the physician fee schedule for claims with dates of service Jan. 1, 2011 through Dec. 31, 2011. While the physician fee schedule update will be zero percent, changes to the relative value units (RVUs) for 2011 require CMS make an adjustment to the conversion factor to make the changes budget neutral. The revised conversion factor to be used for physician payment as of Jan. 1, 2011 is $33.9764.
Source: hcafnews.com

Medicare To Expand Use Of Competitive Bidding

California Healthline: A Second Opinion on Medicare ‘Double Counting’ [T]he ACA’s budget impact — and its Congressional Budget Office score — are making headlines again, sparked by a new study from conservative scholar Charles Blahous. Blahous has a prominent perch: He’s one of two White House-appointed trustees for Medicare. And he’s made an eye-catching contention: The CBO wonks are wrong, and ObamaCare could add as much as $527 billion to the U.S. deficit across the next decade. But this latest debate doesn’t expose anything new about the health law. What it does illustrate is the flawed approach to Medicare accounting — and how easy it is to gin up another fight over health spending (Diamond, 4/18). 
Source: kaiserhealthnews.org

H.R. 452 Medicare Decisions Accountability Act of 2011

ACH12-Distribution ACH19-ValueforMoney AHC13-PovertyandHealth Entitlement Reform International Comparisons NN11-Personal-News NN12-Job-Listings NN18-Conferences-Meetings NN19-Books NN20-Articles-Papers NN21-Grey-Literature NN25-Videocasts NN27-Blogs PPACA-Constutionality PPACA-EssentialBenefits PPACA-HealthExchanges PPACA-Impact-Access PPACA-Impact-Consumers PPACA-Impact-Costs PPACA-Impact-Employers PPACA-Impact-HealthInsurers PPACA-Impact-HealthProfessionals PPACA-Impact-States PPACA-Medicaid PPACA-Medicare PPACA-PublicOpinion PPACA-Repeal Regulation-FDA Regulation-HealthFacilities UHC12-2012
Source: wordpress.com

What Happens to Current Nursing Home Residents if the House Budget Resolution Becomes Law? 

[1] John Hancock, “John Hancock Announces Results of 2011 National Long-Term Care (LTC) Cost Study” (April 21, 2011), http://www.johnhancock.com/about/news_details.php?fn=apr2011-text&yr=2011. [2] Nursing home residents receiving Medicaid and those receiving Medicaid-financed home and community based services are the only Medicaid beneficiaries who have a second financial determination made after they are found eligible for Medicaid.  In the "post-eligibility" financial determination, the state determines how much of his or her income the Medicaid beneficiary must contribute to the cost of nursing home or community based care.  All income must be contributed, with limited deductions for health insurance premiums, costs of maintaining the home while a spouse or dependent child lives there, and a monthly personal needs allowance of $30 (which some states supplement).  42 C.F.R. §§435.832, 436.832 ("Post-eligibility treatment of income of institutionalized individuals; Application of patient income to the cost of care"). [3] 42 U.S.C. §1396p. [4] AARP Public Policy Institute, "Valuing the Invaluable: A New Look at the Economic Value of Family Caregiving,"  http://assets.aarp.org/rgcenter/il/ib82_caregiving.pdf. [5] Kaiser Family Foundation, "Medicaid and Long-Term Care Services and Supports" (Feb. 2009), http://www.kff.org/medicaid/upload/2186_06.pdf. [6] American Healthcare Association, LTCStats: Nursing Facility Patient Characteristics Report (March 2011), http://www.ahcancal.org/research_data/Pages/default.aspx (click on the report), based on data from the Centers for Medicare & Medicaid Services’s Certification and Survey Provider Enhanced Reporting (CMS-CASPER), formerly OSCAR data. [7] The National Nursing Home Survey reported in November 2010, that in 2004, 543,100 of 1,492,200 residents used Medicare at the time of admission.  At the time of their interview, however, only 189,400 were using Medicare.  Many residents had shifted to Medicaid.  518,700 residents used Medicaid at admission, but by the time of their interview, 890,200 relied on Medicaid.  Table 8, "Number of nursing home residents by selected resident characteristics according to all sources of payment at time of admission and at time of interview: United States, 2004," http://www.cdc.gov/nchs/nnhs/nnhs_products.htm (click on Series 13, No. 167). [8] Medicare Payment Advisory Commission (MedPAC), Report to Congress: Medicare Payment Policy, 154, Table 7-3 (March 2011). [9] Center for Disease Control and Prevention, The National Nursing Home Survey: 2004 Overview page 4, Vital and Health Statistics, Series 13, No. 167 (June 2009), www.cdc.gov/nchs/data/series/sr_13/sr_13_167.pdf.   [10] MedPAC, supra note 3, 149. [11] Id. 165. [12] 42 U.S.C. §1307a(a)(17)(D). [13] 42 C.F.R. §447.15. [14] 42 U.S.C. §1396r-5. [15] 42 U.S.C. 1395i-3(a)-(h), 1396r(a)-(h), Medicare and Medicaid, respectively. [16] More than 90% of nursing facilities participate in both Medicare and Medicaid.  American Healthcare Association, LTCStats: Nursing Facility Operational Characteristics Report, Table 3, page 5 (March 2011), http://www.ahcancal.org/research_data/Pages/default.aspx (click on the report), based on CMS Form 671:F9.  As a result, the repeal of Medicaid would not lead to the immediate loss of the Reform Law’s protections as long as a facility continued to participate in Medicare.  However, with immediate changes to Medicaid and changes to Medicare on the horizon, it seems likely that the federal standards of care would soon be substantially compromised.
Source: medicareadvocacy.org

Medicare Explained: The Skilled Benefit Period

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In honor of Tax Day by swanksalotAs an example, my father, who did get his qualifying hospital stay at Christmas time, was placed in a skilled nursing facility for rehabilitation.  He received Physical Therapy, Occupational Therapy and Speech Therapy for about 6 weeks.  At that point, though he had not used 100 days of his benefit period, he no longer was receiving services that qualified him under Medicare.  My mother was notified by the facility before the Medicare benefits ended.  He continues to stay in this facility as a resident but now pays privately for his care.  Due to the nature of his needs, he will also qualify to access his long-term care benefits after reaching the 100 day exclusion period.
Source: wordpress.com

Video: Learn About Medigap Plans

Medicare Nursing Home Coverage Explained

The unfortunate fact is that most people cannot pay for long term care or cannot pay for the full term of care and also have not purchased a long term care policy. When this happens, the only choice is to qualify for Medicaid. To qualify, the amount of assets you are able to retain is severely limited. And contrary to popular belief, you cannot merely sell assets or transfer them to someone else. Doing  so and trying to qualify for Medicaid under false pretenses constitutes Medicaid fraud. Not good!
Source: affordablemedicareplan.com

Medicare’s Mysteries Explained at Mastick

Their presentation will include information about the Medicare Program (eligibility, costs, benefits, and recent changes), an explaination of  various options for supplementing Medicare such as Medicare Supplement Plans (Medigap) Medical Advantage Plans and Medi-Cal and information on Medicare’s Prescription Drug benefit.
Source: patch.com

Supplemental Insurance Explained

* Supplements are sold by private insurance companies. They are not sold by the federal government. * While supplements are marketed and managed by private insurers, they are closely regulated by the government. * The actual plans are standardized. They have names like Plan F and Plan G. These should not be confused by Part A and Part B, which are the parts of the original Medicare. * Different plans cover different things. Plans with more coverage will probably cost more. * The plans are standardized, but different insurers charge different prices. Prices will also vary by your location, and may also vary by your age and other factors.
Source: kirimtatar.net

Does Rob Cornilles want to privatize Medicare? PolitiFact Oregon

Posted by:  :  Category: Medicare

OBAMAS DEATH PANEL------ GUESS WHAT FOLKS IT'S ALIVE AND WELL---"CRAZY PALIN" NOT SO CRAZY NOW by SS&SSTurning Medicare over to profit-minded insurance companies hasn’t been too popular an idea with seniors, or soon-to-be seniors, who want to make sure the government health care program is around for them when they need it most. So it’s no wonder that Democrats here and nationally are claiming that Republican Rob Cornilles, in the 1st Congressional District special election, wants to privatize Medicare. He faces Democrat Suzanne Bonamici in the Jan. 31 election. We rule the statement Mostly False. Find out why we ruled the way we did. Then return to OregonLive and give your views.
Source: oregonlive.com

Video: Wyden Talks Bipartisan Medicare Reform with Dylan Ratigan

Oregon Medicare Part D Plans

Finding the right Part D plan is not difficult if you have a methodology to sort and compare plans. The table above is your starting point. Determine which criteria are important to you and develop a short list. For instance, if you want a plan with a Medicare Star rating higher than 3 and some coverage while in the gap, eliminate plans that do not meet that criteria.
Source: partdplanfinder.com

Oregon Medical Group After Hours

Cannon Beach is also an excellent place for the outdoor enthusiasts. Hiking, biking, fishing or horseback riding can open new horizons for you. Ecola State Park and Oswald West State Park offer one of the best rainforest hikes in the region. For biking fans the Oregon Coast Bike Trail along Highway 101 offers fabulous views of the entire Oregon coast the best of which is south of Cannon Beach to Arcadia Beach or Hug Point. There are also several family friendly trails around where the whole family can enjoy the nature.
Source: oregonmedicarepros.com

Oregon Race Previews Medicare as Sleeper Issue in Campaign

Republican candidate Rob Cornilles in ads is accusing Democrat Suzanne Bonamici of seeking to cut Medicare benefits for seniors because she supports President Barack Obama’s 2010 health law. The Democratic campaign arm has linked Cornilles with a plan by House Budget Committee chairman Paul Ryan, a Wisconsin Republican, to create Medicare vouchers that passed the U.S. House last April.
Source: thepresidency.us

Wyden's Twist on Medicare

Exactly.. this is a no-brainer policy direction for reducing the costs of Medicare. The fact that Wyden and those like him are not pursuing this direction makes me utterly suspicious about their motives and their values. The U.S. senate is the closest thing we have to a privileged aristocracy in this country, and the longer they spend there, the more Wyden and people like him end up being a captive of the corporate money and privilege coming their way. I can only conclude he’s ‘all in’ for the corporate insurers and is doing everything possible to prop them up and defeat a viable single payer public option. Anyone who wants to sign on to the Ryan plan has no clue or simply doesn’t care about the life that most seniors and disabled people are living and their health care needs and financial limitations. Wyden will never face those limitations himself.
Source: blueoregon.com

No Perscription Tensopril India Discount Get Tensopril Dosing Guidelines From Medicare

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Source: forum-romania.ro

Considering About Kaiser Permanente Medicare Health Plan?

Posted by:  :  Category: Medicare

This plan is effective from January 1, 2012 to December 31, 2012, taking good and attentive care of the whole you. Basic Senior Advantage individual plan premium that you pay is $0 while the Enhanced type needs $81 per month. The maximum out-of-pocket you will pay in the calendar year is $3,400 and additional charges are required for doctor office visits, inpatient hospital care, emergency room, lab tests and X-rays. Kaiser Senior Advantage (HMO) plan also includes Medicare Part D (prescription drug coverage) the fee for which is added in your monthly premiums.
Source: insurance-how-to.com

Video: Jed Weissberg, MD, Talks About Medicare Advantage Health Plans and the Special Enrollment Period

Medicare Advantage Plan Star Ratings and Bonus Payments in 2012

This report looks at the star ratings that have been used for many years to help consumers compare plans, and examines how Medicare Advantage quality scores will interact with plan payments, beginning in 2012.   To encourage Medicare Advantage plans to provide quality care, the 2010 health reform law authorized Medicare to pay plans bonuses beginning in 2012 if they receive four or five stars on the program’s five-star quality rating system, or are unrated.  Building on that provision, the Centers for Medicare and Medicaid Services subsequently launched a demonstration that allowed more plans to receive bonuses and increased the size of the bonuses to encourage plans to maintain or improve their rating.   Authored by Foundation researchers, the report is the fourth in a series looking at various aspects of the Medicare Advantage star ratings. Report (.pdf)
Source: kff.org

Why Choose Kaiser Permanente Medicare Plans

If you are over the age of 65, or you are younger but have certain disabilities, you should be aware that you are now eligible for Medicare. Medicare is a federal health insurance program that seeks to serve the needs of those who are not receiving healthcare benefits because they are retired or cannot work due to a disability. While Medicare Part A and B plans can be an excellent fit for many people, a large majority of the population wants more than just the bare minimum coverage. A private insurer such as Kaiser Permanente offers Medicare Parts C and D coverage, which build on the basic Medicare plans and still adheres to federal guidelines. These quality plans can give patients even more options than they would under traditional Medicare, without charging them massive amounts of money.
Source: mostmedicare.com

FREE Kaiser Permanente Medicare Health Plan Straight

This seminar is free with no obligation. Kaiser Permanente is a health plan with a Medicare contract. You must reside in the Kaiser Permanente Senior Advantage service area in which you enroll. A sales person will be present with information and applications for Kaiser Permanente Senior Advantage (HMO). For accommodations of persons with special needs at sales events, call toll free (TTY 711), seven days a week, 8 a.m. to 8 p.m. Eligible Medicare beneficiaries may enroll in a Medicare Health Plan and/or Medicare Prescription Drug Plan only during specific times of the year. For more information, please contact Kaiser Permanente. Kaiser Foundation Health Plan of Georgia, Inc., Nine Piedmont Center, 3495 Piedmont Road NE, Atlanta, GA 30305.
Source: eastcobber.com

Medicare Advantage premiums down 7% on average, enrollment up 10%

Facial Features Of Children With Down Syndrome Lead To Implicit Stereotyping…..Photographs of children with Down syndrome elicit less positive attitudes than photographs of typically developing children do, reports new research published in the open access journal PLoS ONE. This effect was strongest for photographs of children with features that are " […]
Source: newsfromaoa.org

Hospital Discharge Planning For Medicare Patients

Some questions to ask would include, how long does the doctor expect the patient to be hospitalized, and what type of care will be needed once the patient is at home. In addition to the patient’s condition, you will have to take a few other things into consideration, such as how much care the person will need when they are at home, and if there will be someone there to provide that care. You can expect the hospital to pressure you into agreeing to a discharge, but if you feel that your loved one is not ready to go home, voice your concerns to the hospital staff and doctor. When the patient is discharged make sure that the hospital has provided a sufficient discharge plan that includes everything the patient will need to recover in a home setting. This may consist of oxygen, medications, and visits by a home nurse. If you don’t feel that your loved one is ready to be discharged from the hospital, but they are sent home regardless of your concerns, you do have the right to appeal this decision.
Source: ezinemark.com

CONAHAN v. SEBELIUS, No. 09–17510.

Conahan contends that the MAC erred by relying on Dr. Matayoshi’s testimony, which she claims the ALJ discredited. As support for her position, Conahan cites Pogue v. United States Dep’t of Labor, 940 F.2d 1287 (9th Cir.1991), in which we held that “[s]pecial deference is to be given the ALJ’s credibility judgments.” Id. at 1289 (citation and internal quotation marks omitted). In Pogue, we reviewed the Secretary of Labor’s dismissal of an employment complaint against the Navy. The ALJ in that case stated that testimony from the plaintiff’s supervisor was not credible, but the Secretary of Labor nonetheless relied on that testimony. Id. at 1290–91. In contrast, the ALJ here did not find that Dr. Matayoshi’s testimony lacked credibility. In fact, the ALJ’s opinion does not explicitly mention Dr. Matayoshi’s hearing testimony, and Conahan has not cited any authority that would require us to interpret the ALJ’s silence on that testimony as a finding that the testimony lacks credibility. Furthermore, the ALJ wrote that he “accepts the medical opinions of all physicians’ [sic] involved as opinions based upon their best medical assessment of the Appellant’s condition at the time.” Because the ALJ did not find that Dr. Matayoshi’s testimony lacked credibility, the MAC was free to consider the evidence.
Source: findlaw.com

Seniors may qualify for Medicare Advantage plan

“While there are many factors for seniors to consider when choosing a Medicare plan, the quality rating of a plan should be weighed heavily,” said Jed Weissberg, MD, senior vice president Hospitals, Quality and Care Delivery Excellence, Kaiser Permanente. “It’s important that seniors become familiar with the Medicare Star Quality Ratings, so they can make informed choices and select a plan that provides the best care and service available.”
Source: hawaii247.com

Original Medicare Less Generous Coverage than Typical Large Employer Group or Federal Employee Group Coverage for Those Over 65

This story came from PBS and is an interview of the author of a report from the Kaiser Family Foundation which looked at benefits for an individual over 65 on Original Medicare ONLY versus benefits for an individual over 65 on a typical large employer group plan or a Federal employee over 65 on the Federal program.
Source: ritterim.com

Facing Disability? Medicare Benefits Can Help

Posted by:  :  Category: Medicare

Orange, CA 4/19/2012 – Most people assume that they will need Medicare benefits at retirement, and do not consider the possibility that they may require it earlier due to disability. If you are in the position of having to consider disability benefits, you may have many concerns regarding your health care coverage. Thankfully, Medicare health care coverage is available to disabled individuals under the age of 65. For example, you may be eligible for Medicare if you have received disability benefits from Social Security or certain disability benefits from the RRB for at least 24 months.
Source: joppel.com

Video: Continued Medicare Eligibility and Work Incentives

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

Medicare Eligibility Disability

I want my representatives to start representing. Members of Congress get a much better retirement plan than you and I do. They can even collect after being convicted of a crime while still in office and they take a lot more days off than our employers would allow for us little people. So I think we should begin holding our representatives to a higher standard or at least one equal to what is expected of us by our employers. The system for paying all of our elected representatives should be changed to a salary plus bonus plan. The bonus would only be paid when a representative leaves office or is re-elected. When we go to the ballots there should be a new question on every ballot in every state which would determine whether or not our representatives collected their bonus; Did Mr. /Ms (Insert name here) represent your interests to the best of his/her ability? If the majority feels that the representative did their best then the bonus is paid as soon as the current term expires. However, if the people feel that they were not properly represented then there is no bonus. I think that a system like this would force our elected officials to keep in touch and understand how we are feeling about the issues. Oh Yeah, from now on when someone running for office says that they are going to change this or change that, I for one want to see the plan. If someone says they can do better than the current elected officials we should have the right to know how they intend to do it before we vote for them.
Source: virginiamedicarepros.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

Medicare Provides Medical Care For Eligible Disabled Truckers

SSD and Medicare usually go hand-in-hand.  If you are eligible for SSD, you will usually be eligible for Medicare after a waiting period (discussed below).  SSD and Medicare provide benefits for people who are unable to engage in substantial employment activities and have enough quarters of work credit to qualify for benefits.  As a general rule, if you have worked at least five of the last 10 years, you are “insured” for purposes of SSD and Medicare benefits. 
Source: hurttrucker.com

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

Many Years Young: Patients stop drugs during Medicare 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,” [study leader Jennifer M.] Polinski said in a statement. “Any drug insurance policy that negatively influences essential cardiovascular drug use needs to be changed.”
Source: manyyearsyoung.com

Study unveils drop in adherence to cardiovascular meds during 'doughnut hole' gap

"Consistent with other research on the impact of the Medicare Part D coverage gap on medication adherence, we found that exposure to 100% of drug costs in the gap led to abrupt discontinuation of essential cardiovascular medications, even among those with cardiovascular conditions who might experience more immediate consequences as a result of drug discontinuation," said Jennifer Polinski, of the division of pharmacoepidemiology and pharmacoeconomics at Brigham and Women’s Hospital and Harvard Medical School, and lead author of the study. "While the results did not demonstrate any short-term health issues as a result of this dramatic drop-off in medication adherence, it is not clear whether coverage gap-related lapses in financial assistance for drugs affects patient health outcomes for this high risk population over the long term."
Source: drugstorenews.com

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

Doughnut Hole Is Trouble Spot For Seniors On Heart Drugs, Researchers Find

NPR’s SHOTS blog: Seniors In Medicare ‘Doughnut Hole’ More Likely To Stop Heart Drugs Medicare patients who reach the annual gap in coverage for prescription drugs known as the “doughnut hole” are 57 percent more likely than those with continuous insurance coverage to stop taking drugs for heart-related conditions such as high blood pressure or heart disease. That’s the result of a study by researchers from the Harvard Medical School, Boston’s Brigham and Women’s Hospital, and CVS Caremark, the drugstore chain. It’s in the latest issue of the journal Circulation: Cardiovascular Quality and Outcomes (Rovner, 4/17).
Source: kaiserhealthnews.org

Why women (and men) with Medicare should know about shrinkage

2013: Three strikes and you’re out I’m writing this while listening to the Yankees play Tampa Bay on Opening Day, so I couldn’t resist the headline. Basically, what this means is that in 2013, the Centers for Medicare & Medicaid Services (CMS) will alert plan members if their Medicare Part D drug plan or Advantage (Part C) health plan has failed for three years in a row to receive at least 3 out of 5 stars from CMS. If the plan has three strikes, CMS will offer a special enrollment period to allow those members to move to a higher quality plan.
Source: themeddiva.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

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

MediGap and the Medicare Coverage Gap

With Part A you might pay multiple deductibles. Medicare Part A is hospital insurance. You pay the deductible when you first are admitted to the hospital. After 120 days after your discharge and you have not had to return to the hospital, a new benefit period begins. A new benefit period means that a new deductible is required. Within a benefit period, you may end up paying co-insurance.
Source: suniil.com

CIGNA Medicare Provides Medical and Prescription Drug Coverage at a Low Cost

Posted by:  :  Category: Medicare

CIGNA offers additional benefits to your medical coverage. You are given a toll free number to call for recorded health information or to discuss your medical concerns with a registered nurse. In addition, you have the option of receiving home pharmacy delivery of your regular medications. CIGNA also provides you with a discount card that could save you money on fitness memberships, eyewear, vision exams, hearing tests, hearing aids, batteries, and chiropractic care. You are also provided programs and discounts to help you with weight loss, proper nutrition, dental care, laser vision care, and smoking cessation.
Source: toothwhiteningbleaching.info

Video: United Healthcare Oxford Medicare Advantage Denies Coverage

Insurer Cigna gives CEO David M. Cordani 25 percent compensation hike in 2011

Health insurers have taken criticism in recent years for giving their top executives big compensation hikes while the cost of insurance continues to outpace inflation and growth in wages. But insurers have said executive compensation makes up a small part of their total expenses, and the biggest driver behind the growing premiums for their coverage is the spiraling cost of health care.
Source: healthtipsblogspot.com

Analyst Interviews: Health Insurance Stock Outlook

    Higher health expenditures and increased reliance on managed care. According to the government, national health spending is expected to touch $4.6 trillion by the end of this decade from $2.6 trillion currently, representing a CAGR of nearly 7%. This clearly points to the fact that the health care industry will most certainly outstrip broader economic growth. Moreover, over the same time frame, managed care penetration is expected to grow to about 1/2 of the total national health care spending, up from approximately 1/3rd at present, driven by increased reliance on insurers in managing government’s fee-for-service Medicare and Medicaid products.
Source: dailymarkets.com

Medicare Provider Cigna Buys Medicare Carrier Health Spring

Health insurer Cigna Corp., the fifth-largest U.S. insurer, intends to buy HealthSpring Inc to boost its business selling Medicare plans as more and more Americans seniors become eligible. Medicare managed-care plans are among the fastest-growing products for health insurers as the baby-boom generation ages. The entry of the postwar baby boom generation into retirement is expected to further increase the demand for privately run Medicare Advantage plans, which currently account for 25 percent of Medicare enrollment.
Source: medicareadvantagesupplementplans.com

Deal boosts Cigna share of Medicare Advantage

Cigna’s acquisition is the latest in a series of deals made by health insurers to expand their Medicare Advantage businesses, which are growing at a faster rate than commercial insurance as baby boomers become eligible for them. In addition, big insurers like Cigna have reported strong results in recent quarters, and analysts have speculated that companies would start exploring acquisitions.
Source: kansas.com

Bravo Health’s sale to Cigna gets Maryland regulator’s approval

The deal is slightly convoluted in large part because of federal health reform, which has led health insurers to diversify. The original deal to buy Bravo Health, announced in August 2010, was HealthSpring, which was acquired by Connecticut-based Cigna in October 2011 for $3.8 billion.
Source: ifawebnews.com

Cigna Makes $3.8 Billion Deal To Buy Medicare Carrier

Reuters: Cigna To buy Medicare Co HealthSpring For $3.8 Billion Health insurer Cigna Corp will buy HealthSpring Inc for $3.8 billion to jump-start its business selling Medicare plans as more elderly Americans become eligible for the U.S. government program. Medicare is an enticing market for U.S. health insurers, even as Congress weighs cuts to the program to rein in the country’s debt. In particular, the entry of the postwar baby boom generation into retirement is expected to swell the ranks of privately run Medicare Advantage plans, which now account for 25 percent of Medicare enrollment, compared with 75 percent for government-run plans (Krauskopf, 10/24). Market Watch: Cigna To Buy HealthSpring For $3.8 Billion Health-insurance giant Cigna Corp. said Monday it will pay $3.8 billion in cash to acquire the shares of HealthSpring Inc. The price, $55 a share, that Cigna is paying represents a 37% premium over Friday’s closing stock price for HealthSpring. The news catapulted HealthSpring shares by more than 33%, while Cigna was up about 1.5%. The companies said in a press release that HealthSpring Chairman and Chief Executive Herb Fritch will stay with the united companies, as Cigna will expand into senior and Medicare businesses (Britt, 10/24). Modern Healthcare: Cigna To Buy HealthSpring In $3.8 Billion Deal Cigna Corp. said it reached at definitive agreement to buy Medicare Advantage provider HealthSpring for $3.8 billion. Cigna said it would pay $55 per share in an all-cash deal for the Nashville-based HealthSpring, a publicly traded company. The deal, which is subject to regulatory approval, is expected to close in the first six months of 2012, according to an announcement by Cigna. Herb Fritch, chairman and CEO of HealthSpring will oversee a push by Cigna into senior and Medicare service lines, the announcement said (Evans, 10/24).
Source: kaiserhealthnews.org

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 Plans | Questions about Medicare Supplement 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 Supplements Rate IncreasesMedicare Supplemental Insurance Blog

Why are the increasing so much?  There are several reasons for these rate increases.  One of the primary reasons for the increase in medicare supplement costs is because a large number of seniors were unhappy with their medicare advantage plans coverage or they were no longer able to stay enrolled in those advantage plans.
Source: medigapbuyersguide.com

The Best Medicare Supplement Plan

Although these differences abound, they are easily deciphered, and you can get the best Medicare Supplement plan by merely comparing the options and choosing the plan that makes the most sense for your unique situation. Here is some information about choosing a Medigap plan if you are turning 65. We would always recommend, whether it is us or someone else, using an independent brokerage/agency. This allows you to compare multiple options in a centralized place, so that you can make an informed choice from all of the options. In most cases, this informed choice should be the company that is most competitively priced for your age and zip code.
Source: medicare-supplement.us

Choosing the Suitable Medicare Supplement Insurance Plans

It is vital to see carefully the rates of Medicare supplement insurance plans; fairly often these rates can be predicted however the purpose of the matter is that the rates can solely increase among consecutive two years so people can make preparation to anticipate the rise of these prices. Most of the businesses and states will expertise this increase; one in every of the foremost vital reasons for this increase in rates is that several of these those who have enrolled with Medicare advantage are deserting an equivalent and joining Medicare supplement insurance plans. Another excuse for the upward trend of insurance rates is because of the ever evolving economic climate thus one ought to be logical when it involves enrolling for a Medicare supplement insurance set up.
Source: webbricolage.com

The place to Research for Medicare Supplement Rates

Earlier than an individual lookup for Medicare Supplement rates, he or she ought to make positive that they are by now enrolled in Medicare Element An and Element B. Men and women, who are considering to swap from Medicare advantage approach to original Medicare, should apply for Medigap just before the finish of the protection. Plans E, H, I and J are not sold anymore, but men and women can preserve them if they are now enrolled in it. Only 1 particular person can be lined in a solitary Medigap policy, so in circumstance of married few both equally the husband and spouse have to pay for impartial policy. An insured particular person is needed to pay out independent rates for Medicare Piece B and Medigap coverage. Medicare health supplement premium goes to the personal organization you are enrolled with.
Source: officerelocationmagazine.com