Medicare Supplemental Insurance, Plan for every common individual

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSDifference between Medicare health insurance and supplement plans There is a lot of difference between Medicare health insurance and supplement plans. Medicare health cover does not provide several features which you can avail from supplement plans. Also, there are few companies available that offer Medicare health indemnity to the people over the age of 58 years. On the other hand, Medicare supplement insurance proffer a range of features to the people in this age category. It can be bit expensive but prove to be extremely beneficial during the emergency times. Plan for every common individual Due to the immense rise in medical expenses, having a Medicare Supplement Insurance is indispensable. It is a responsibility of service provider to demonstrate each and every feature of plan but you need to study it on your own in order to avoid further inconveniences. For some people, price of health cover plan is a paramount factor but after researching for different plans, one can easily get an affordable supplement insurance coverage. It is always advised to compare Medicare Supplement plans in order to achieve right coverage. There are numerous companies that provide Medicare supplement plans for common individuals and everyone should make the most from such offers. Comparison with government owned and private insurance plans Several government owned companies are available as well that provide cheap Medicare supplement plans. It is true that such companies are affordable but may not prove to be helpful during an unexpected medical situation. The fact is that most government owned companies have limited coverage. That is why, it is necessary to approach a company by considering the reviews and credentials. You can also decide by comparing the features and coverage of government and private Medical supplement insurance companies. It really helps in deciding a right coverage for you and your family. Choosing a Medicare insurance plan Often, most people overlook the features of an insurance plan but it is essential to figure out each and every aspect of it. One should compare Medicare supplement plans online in order to get a clear insight of features and terms. In this way, you can easily decide upon a right kind of coverage. So, choosing a desired supplement insurance plan online is not only easiest but one can instantly take a glance at the features and coverage.
Source: blogspot.com

Video: Understanding Medicare Supplements, Medicare Supplement Insurance

By Adopting A Medicare Supplement Insurance Plans Seize A New Life

There are even several government owned companies which provides Supplemental Medicare Insurance plans in low-costs. These companies are truly affordable but they don’t prove be to in help during an unpredicted medical situation. Even these government owned companies have very limited coverage. So, it is very essential to approach a company after going through its reviews and credentials. An individual can even compare among the features and coverage of a private and a government owned Medicare supplement insurance companies. This really helps an individual to choose the best and the right coverage amongst all for himself and for his family. An individual should compare Medicare supplement plans online understand the terms and the features of the policy. So, before purchasing a Medicare supplement insurance policy, help from a Medicare supplement insurance agent and a little research online will help an individual to quickly decide which policy will be beneficial and which insurance company will be the best to adopt the from.
Source: ezinemark.com

Medicare Supplement Insurance Still Worth The Cost

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: internet-millionaire-articles.com

Medicare Supplemental Health Insurance Resources Online

When looking into health insurance of any kind the rules, regulations and stipulations often make it so that every word on the policy seems foreign and a bit sketchy. The policy is never laid on it terms that one without industry knowledge would completely understand. Words such as co-payment, deductible, family allowance, preventative vs. routine care often times add confusion in really understanding what is being offered. Health Insurance in general is difficult to understand and often leads us to believe we are being manipulated let alone getting into the next generation of health insurance, Medicare. How is one to determine exactly what is being offered and to finally settle upon a policy that best fits the need with Medicare and Medigap supplemental insurance policies?
Source: online-biz-articles.com

Medicare Benefits And Tricare

Posted by:  :  Category: Medicare

Individuals can easily file a claim or reimbursement for their prescription medicine especially if they are filled in a non network pharmacy. It is important to file for prescription claims which are filed within one year from the date of service. In order to file for a pharmacy claim you need to fill out some forms together with important details like name of the patient, name of the drug and its strength, quantity being dispensed and price for each drug. If national drug code is available then you also have to take note of it. Once you completed the forms then all you need is to submit it to the appropriate office.
Source: wkrhn.org

Video: (Part 1) Using TRICARE and Medicare

Tricare and Medicare Options

“…I am going to turn 65 in February. I am in the process of enrolling in Medicare Parts A and B. Besides Tricare for Life, do I need to buy other insurance, such as Medicare Part C? My husband is a military retiree….” Read more at militarytimes.com
Source: blogspot.com

Older Retirees Surprised to be in Fresh Tricare Fight

However Defense Comptroller Robert Hale, who testified with Woodson last week, made a separate argument for TFL fees. When the fees are fully phased in, Hale said, a Medicare-eligible retiree and spouse would pay an additional $300 a year if their retired pay fell under Tier 1, and $900 more a year for retired couples under Tier 3. He urged Webb to compare that cost to $4000 a year that the same couple would have to pay to buy a good Medigap insurance plan to replace TFL. Webb seemed unimpressed.
Source: boogai.net

Older retirees surprised to be in fresh TRICARE fight

However Defense Comptroller Robert Hale, who testified with Woodson last week, made a separate argument for TFL fees. When the fees are fully phased in, Hale said, a Medicare-eligible retiree and spouse would pay an additional $300 a year if their retired pay fell under Tier 1, and $900 more a year for retired couples under Tier 3. He urged Webb to compare that cost to $4,000 a year that the same couple would have to pay to buy a good Medigap insurance plan to replace TFL. Webb seemed unimpressed.
Source: standard.net

Many will leave services without lifetime health care

I now have Medicare and Tricare for Life. The insurance premiums are about $80 per month for both. I received word that Tricare premiums could go up 300 percent within the next five years. Thanks for serving our country! Those who retire today will have a hefty insurance premium.
Source: standard.net

Social Security Disability

Dear dkokoszka: I receive SSDI. It seems I had to be in receipt of SSDI for 24 months before I was eligible for MediCare. So if you get an SSDI AWARD letter, be sure to look at that letter to see how far back they go on your award – especially if you get a retro check for SSDI. I got Medicare right away as it took soooooo long to get through the SSDI system, that when I finally got my SSDI award, 24 months had already elasped. I also receive Tricare, too. But in order to continue with tricare, you have to have Medicare Part A and B. TriCare requires I have Both A and B. The cost to me for my Medicare Part A and B is an insurance premium of 110.00 per month – single – no kids or spouse. Medicare is now my primary – Tricare is my secondary insurance payor. Make sure you go to doctors that take BOTH insurances. If you go to the search on this website, type in SSDI. A whole bunch of threads come up under this topic you can read on. They’ll answer most of your questions. Not sure if YOU get SSDI, if your wife is covered with Medicare. I doubt it.
Source: pebforum.com

When Can You Sign Up For Medicare Benefit Part B?

Individuals who have tricare needs to keep part A. Tricare is the insurance for active duty military personnel or for members of the families and retirees as well. Active duty personnel need not to sign up with Part B to keep their Tricare plan. In order to keep your Tricare coverage when you retire, individuals must keep part B in Medicare. You can easily get Part B for special enrolment time especially if you have Medicare especially if you are 65 years old and above or you are currently disabled. Re-enrolment in tricare is not needed every year since it will only continue as long as you have Part B coverage.
Source: hollybrynsdiary.com

Is Medicare covers dental care?

Posted by:  :  Category: Medicare

Martin Place 1 by Greens MPsCertain surgical procedures to reconstruct an advantage while the removal of a tumor. Wiring of the teeth if it is part of the repair of a fractured jaw. Withdrawals are made in preparation for radiation treatment involving the mandible. Hospital stays can be covered if necessary for emergency dental procedures, even if the specific dental are not covered. Most dental treatments that are essential for a procedure that is covered, such as jaw reconstruction after injury. Dental splints may be covered if they are part of the treatment of a medical condition that is covered, as the dislocated jaw joints. In certain circumstances, the tests before major surgery such as heart valve replacement or kidney transplants. The review, but the treatment is covered by the study is to identify the risk of infection before surgery or complex. Hospital, if the severity of dental treatment requiring hospitalization. But not paying for dental care themselves. Infections after dental extractions can be covered. Inpatient hospital observation if necessary due to a threat to health.
Source: colafi2011.com

Video: Dental Insurance Commercial for Folks on Medicare

What Seniors Should Know About Medicare and Medicaid

We value and respect the experiences of all of our HERWriters, but everyone is different. Many of our writers are speaking from personal experience, and what’s worked for them may not work for you. Their articles are not a substitute for medical advice although we hope you can gain knowledge from their insight.
Source: empowher.com

Supplementing Your Medicare Coverage With Dental Insurance – PlanPrescriber Provides Seven Recommendations for 2012 / eHealth

eHealth, Inc. (NASDAQ: EHTH) is the parent company of eHealthInsurance, one of the nation’s leading online source of health insurance for individuals, families and small businesses. Through the company’s website,www.eHealthInsurance.com, consumers can get quotes from leading health insurance carriers, compare plans side by side, and apply for and purchase health insurance. eHealthInsurance offers thousands of individual, family and small business health plans underwritten by more than 180 of the nation’s leading health insurance companies. eHealthInsurance is licensed to sell health insurance in all 50 states and the District of Columbia, making it the ideal model of a successful, high-functioning health insurance exchange. Through eHealth’s technology solutions (www.eHealthTechnology.com), is also a leading provider of health insurance exchange technology. eHealth provides a suite of hosted e-commerce solutions that enable health plan providers, resellers and government entities to market and distribute products online. eHealth, Inc. also provides online tools to help beneficiaries navigate Medicare health insurance options through PlanPrescriber.com (www.planprescriber.com) and eHealthMedicare (www.eHealthMedicare.com).
Source: ehealthinsurance.com

Health Care Costs in Retirement

At the birth of Medicare in 1965 Lyndon Johnson’s Great Society Act was a way to simplify health coverage for retirees at & over the age of 65. It was to provide a means of hospital insurance for the aged under the Social Security Act with a supplementary medical benefits program and an extended program of medical assistance, to increase benefits under the Old-Age, Survivors, and Disability Insurance System, to improve the Federal-State public assistance programs, and for other purposes.
Source: hvsfinancial.com

Altius Health Plans Altius Advantra Medicare Review

Altius Health Plans offers Medicare health insurance programs for residence of Utah and a county in Wyoming.  Altius Advantra and Altius Advantra Preference are Medicare Advantage HMO plans available in Box Elder, Cache, Daggett, Davis, Duchesne, Morgan, Rich, Salt Lake, Summitt, Tooele, Wasatch, and Weber counties in Utah as well as Uintah county in Wyoming.  Altius Advantra is an HMO-POS plan, and Altius Advantra Preference is a plain HMO only available in Davis, Salt Lake, and Tooele counties.  The coverage does include Part D drug coverage as well as health benefits.  Below is a review of the benefits they offer:
Source: medicare-plans.net

Seniors Dental and Vision Benefits with Medicare

Some Medicare beneficiaries may have dental and vision coverage through other insurance plans. Some Medicare Advantagge plans, for instance, may have dental and vision benefits included. Some retirees, with company retirement benefits, may also have coverage. But normal routine coverage for dental and vision needs is not part of original Medicare, or even part of many Medicare Advantage or Medicare supplement plans.
Source: projektgenerika.org

Aetna Medicare – Know Your Health Care Choices

Aetna comes with a number of health supplement Medicare programs having a wide insurance policy. As an example: Aetna Golden Medicare program (HMO); Aetna Medigap (PlanSM) insurance coverage along with Aetna Medicare Rx strategy and also Aetna Golden Option plan (PPO) or the fundamental Aetna Medigap insurance policies. Aetna Health care insurance Organization also provides a variety of medical health insurance products with a enormous insurance policy which inserts your funds along with needs. The services/products comprise medical, behavioral wellness, long term care, disability, dental programs, employee positive aspects, etc. Deciding on a Medicare strategy may take time. While you evaluate programs, understand that together with medical, hospital and prescription coverage, Aetna also gives several extras like wellness, vision, listening to and also physical fitness advantages part of a lot of Aetna Medicare Benefit programs, eyesight, listening to, physical fitness, weight-loss, along with natural products and services discounts with most programs as well as Aetna Well being Connections – Illness Conduite Program – individualized medical applications in excess of thirty chronic circumstances.
Source: goldpavedroad.com

Rhode Island Medicare Part D Plans

Posted by:  :  Category: Medicare

Once you narrow your list to a few potential choices, you should visit the plan websites to review the formularies as well as the required out-of-pocket costs involved in filling your prescriptions. Doing so will allow you to be certain that your drugs are covered as well as being able to get a true picture of the annual plan costs.
Source: partdplanfinder.com

Video: Medicare Part D Prescription Drug Plan Basics

InsureBlog: Medicare Part D

How do you enroll in Medicare Part D? You should start by making a list of all your current medications by name. Include the dosage and how often you fill your prescription. Next, use the Medicare Prescription Drug Formulary Plan Finder to determine which plan is best for you. You can also call 1-800-MEDICARE and ask for assistance. If you have a regular pharmacy, such as CVS or Walgreens, you can take your list of prescription drugs to your pharmacy and ask them for assistance in selecting a Medicare Part D plan.
Source: blogspot.com

Your Guide to Part D Medicare

Since then, the beneficiaries were automatically enrolled in certain PDP areas that are less-expensive and randomly chosen by Medicare. In some cases of dual-eligible beneficiaries however, they were directly removed from the MA plan after they’ve already enrolled in PDP. From November – December 2010, a number of Medicare beneficiaries have affirmatively enrolled in Part D coverage. The conscription period for 2011 is expected to last from October to December. Beneficiaries who were qualified but failed to enroll during the Part D enrollment period are required to pay their Late-enrollment Penalty (LEP). Otherwise, they won’t be able to obtain some Part D benefits. The LEP is 1% of the average monthly premium paid by either Medicare or its beneficiaries. In April 2010, the number of Part D enrollees increased to $27 million. The increase stemmed from 1,570 separate Part D plans provided in early 2009. The highest number of Part D beneficiaries was estimated in West Virginia and Pennsylvania. Hawaii and Alaska meanwhile garnered the second and by far, the lowest. The average beneficiary premium for PDPs increased from $29.89 to $38.94 in 2010. The monthly premiums are initially projected to increase by 10% after nearly 8% of Medicare beneficiaries enrolled in PDP chose a single coverage. Among MA-PD beneficiaries, the enrollment plans offering separate coverage rise to 33% (from 27% in 2006). The premiums are said to be more significantly higher than the ones sponsored by PDP providers. Part D was not spared from controversies. After the federal government approved the program, public offices were not permitted to negotiate the prices of prescription drugs. It was only the Department of Veteran Affairs who were given permission to negotiate and pay 59% of the prescription drugs covered by Medicare. Former US Congressman Billy “R-La” Tuazin, who authored the Medicare Drug Treatment Modernization Act, retired after receiving $2 million every year from the American Pharmaceutical Research and Manufacturers Group (APRMG). Thomas Scully, Chairman and CEO of Medicare, threatened to fire his colleague Richard Foster after attempts of reporting the Medicare bill’s cost was revealed by Cong. Tuazin.  
Source: ezinemark.com

Q1Medicare.com Brings the Finalized 2013 Medicare Part D Defined Standard Benefit Parameters Online

As can be seen on the Q1Medicare.com/2013 page, the final 2013 defined standard benefit plan parameters show a slight increase above the same 2012 values. For example, Medicare beneficiaries enrolling in a 2013 Medicare Part D prescription drug plan modeled after the CMS Defined Standard Benefit will find the 2013 initial deductible increasing from the current value of $ 320 to $ 325. Likewise, the initial coverage limit will increase to $ 2,970 from the current 2012 limit of $ 2,930, meaning that Medicare beneficiaries with an average monthly negotiated retail drug cost of over $ 248 can expect to enter the Donut Hole sometime in 2013.
Source: co.uk

Health Net Completes Sale of Medicare PDP Business

Health Net, Inc. and its representatives may from time to time make written and oral forward-looking statements within the meaning of the Private Securities Litigation Reform Act (“PSLRA”) of 1995, including statements in this and other press releases, in presentations, filings with the Securities and Exchange Commission (“SEC”), reports to stockholders and in meetings with investors and analysts. All statements in this press release, other than statements of historical information provided herein, may be deemed to be forward-looking statements and as such are intended to be covered by the safe harbor for “forward-looking statements” provided by PSLRA. These statements are based on management’s analysis, judgment, belief and expectation only as of the date hereof, and are subject to changes in circumstances and a number of risks and uncertainties. Without limiting the foregoing, statements including the words “believes,” “anticipates,” “plans,” “expects,” “may,” “should,” “could,” “estimate,” “intend,” “feels,” “will,” “projects” and other similar expressions are intended to identify forward-looking statements. Actual results could differ materially from those expressed in, or implied or projected by the forward-looking information and statements due to, among other things, health care reform and other increased government participation in and regulation of health benefits and managed care operations, including the ultimate impact of the Affordable Care Act, which could materially adversely affect Health Net’s financial condition, results of operations and cash flows through, among other things, reduced revenues, new taxes, expanded liability, and increased costs (including medical, administrative, technology or other costs), or require changes to the ways in which Health Net does business; rising health care costs; continued slow economic growth or a further decline in the economy; negative prior period claims reserve developments; trends in medical care ratios; membership declines; unexpected utilization patterns or unexpectedly severe or widespread illnesses; rate cuts and other risks and uncertainties affecting Health Net’s Medicare or Medicaid businesses; litigation costs; regulatory issues with federal and state agencies including, but not limited to, the California Department of Managed Health Care, the Centers for Medicare Medicaid Services, the Office of Civil Rights of the U.S. Department of Health and Human Services and state departments of insurance; operational issues; failure to effectively oversee our third party vendors; noncompliance by Health Net or Health Net’s business associates with any privacy laws or any security breach involving the misappropriation, loss or other unauthorized use or disclosure of confidential information; any liabilities of the Northeast business that were incurred prior to the closing of its sale as well as those liabilities incurred through the winding-up and running-out period of the Northeast business; investment portfolio impairment charges; volatility in the financial markets; and general business and market conditions. Additional factors that could cause actual results to differ materially from those reflected in the forward-looking statements include, but are not limited to, the risks discussed in the “Risk Factors” section included within Health Net’s most recent Annual Report on Form 10-K filed with the SEC and the risks discussed in Health Net’s other filings with the SEC. Readers are cautioned not to place undue reliance on these forward-looking statements. Except as may be required by law, Health Net undertakes no obligation to address or publicly update any of its forward-looking statements to reflect events or circumstances that arise after the date of this release.
Source: generalsymptoms.com

Understanding The Doughnut Hole Before You Reach It

If this is your first year on Medicare, or if this is your first year with a Prescription Drug Plan (PDP), you may be wondering what the “doughnut hole” is and how it will affect you. Many beneficiaries choose to add prescription drug coverage to help cover the costs of prescription drugs they need to treat or prevent an illness. Whether you receive this coverage through a stand-alone PDP or through a Medicare Advantage Plan, you may not be fully aware of the coverage gap (often referred to as the “doughnut hole”) that exists under Medicare Part D, or when it will affect your coverage. Medicare Part D, or prescription drug coverage, can help protect you from the potentially high cost of medications you require, but you should know what to expect as your year progresses. (Just a note: If you receive Extra Help due to low-income and resources, you do not have a coverage gap.)
Source: joppel.com

Common Questions about Asset Protection from Nursing home Medicaid spend down

Posted by:  :  Category: Medicare

Try new Ryan Plan Senior Food - coming to a Republican Congress near you by EN2008Typically, a medical emergency triggers a stay at a rehabilitation center or skilled hospital following hospitalization. And many believe that because of this medical emergency, their health insurance will cover their stay for this additional care, however, this is not typically the case. Following admission in a hospital (at least three-day stay) and upon transfer, your health insurance, which includes Medicare, will typically pay toward your care for a limited period of time, not to exceed 100 days. However, the amount that Medicare pays towards your stay is varied. Your coverage may also be supplemented by health insurance such as Blue Cross Medex, United Health Care, CIGNA or other supplemental health insurance plans that are available.
Source: grfxweb.com

Video: Medicaid spend down

Common Questions about Asset Protection from Nursing home Medicaid spend down

Medicare provides payment for medical expenses for illnesses. Medicare does not cover the long term custodial care in nursing homes or adult care homes. Medicare will provide assistance only for a maximum of 100 days assuming that certain conditions are met. Medicare does not pay for what is called “custodial care.” Custodial care is the type of care most people receive in nursing homes – meaning not all nursing home residences receive the maximum 100 days of coverage. What Assets will be used to pay for Nursing Home care? Your home, jointly held property, gifted assets, retirement accounts, bank accounts, securities and insurance policies will all be used to pay for nursing home care. All of your assets will be spent. A single person will be left with only $2,000. Can’t I just give my assets to my children? There are many pitfalls to doing this. For example, you no longer control your assets. If your child is sued, your assets will be taken. If your child gets divorced, their spouse may be entitled to a share of those funds. Or, if your child dies, your funds may not go to individuals you have specified. Most important, transfers or gifts are subject to look back periods and penalties. If any of that gifted money is spent or lost and a loved one goes into a nursing home, there could be serious consequences based upon newly signed federal regulations. At Commonwealth Advisory Group, we are experts in MA Medicaid Spend Down planning to save on MA Nursing Home Costs. Commonwealth Advisory Group has helped families to protect assets prior to admission to a nursing home medicaid, and when a loved one has already been admitted to a Massachusetts Medicaid nursing home.  We are Massachusetts leading Senior Asset Protection Planning and Massachusetts Medicaid planning consultants.  Commonwealth Advisory Group specializes in helping Massachusetts elders and their families protect assets from nursing home.
Source: ezinemark.com

Medicaid And Medicare Benefits

Medicaid is one of the federal and state programs that aid individuals to pay for their medical premiums. This program is intended for individuals who have limited income as well as resources. They should be able to meet the requirement sand eligibility issues as well. Medicaid offers and provides benefits that are not normally covered by medicare benefits like personal care and personal or public transportation rides to physician’s appointments. If you are qualified on your state for a Medicaid then surely you are automatically qualified to get extra help in paying for your Medicare prescription drug coverage plan.
Source: piosbaseball.org

Medicaid Nursing Home Spend

www.tursul.com We are an Angolan Tour Operator with our headquarters in the town of Namibe, where our Lodge ” Diversi” is situated, near the beach. We would like to make a presentation of the Southern part of Angola, where is possible to combine two types of Tours, one with ” The Tribes ” you can find around Lubango, going to the South of Angola all along the border to Namibia, and one with ” The Ocean Coast” where you can travel between Namibe and Foz de Cunene. Of course, we can put together tailor-made tours based on these suggestions; we can start or finish in Lubango, or Namibe, or Windhoek in Namibia or from the border with Namibia.We suggest that you consider a minimum of 12 or 15 days to get a good idea of this area. We also have a long experience in assistance for geological prospecting in all Angola. We can provide you the invitation letter for your Embassy to obtain the tourism visa. Angola is a friendly and safe country. Health: yellow fever is requested. Best season: april – may to october-november Highlights of Southern Angola Oasis of Arco : Discover the beauty and the tranquility of this deep-blue coloured lake, with its amazing rock formations and a wide variety of birds. Namib Desert : The oldest desert on earth, from Tombua to Walvis Bay in Namibia, you will discover a unique to the region plant, the Welwitchia Mirabilis, looking like a giant symbol of resistance. You will also admire the spectacular scenery of the dunes, so close to the coast, and that …
Source: blogspot.com

Senior Care Options: Nursing Home Costs and Ratings for Medicare and Medicaid Insurance

Understand which nursing homes accept Medicare and Medicaid and know your preferred choice should the need arise suddenly, which is often the situation.  Nursing homes usually are not a preferred choice for senior care, but some of the more modern nursing homes do offer quality services and comfortable accommodations.  Ad Medicare and Medicaid will pay for rehabilitation in a nursing home, you should plan ahead the same way that you would when choosing a college.  Research the options, visit their facilities and understand the services offered.  This way, if the time arises when you will need nursing home care, your family members and medical doctor will know your senior care preference and you will not have the added stress of making a last-minute choice.  Nursing home accommodations vary widely, which is another reason to research the options before you need the services.
Source: assistedlivingtoday.com

Hide Assets From Medicare By Avoiding Common Mistakes

and because they valued their grandmother more. So, how can I hide my assets from Medicare is relevant to their lives.  My answer is that if they did not do something as far back as five years ago, chances are that trying to do something now, could very well be considered a fraudulent conveyance in order to defraud a potential creditor.  For example, if they were to put their son or daughter on the deed of the house without adequate consideration, it would be considered a” fraudulent conveyance” because they did it for less than the fair market value, they received nothing back in return.  Or, if they did recognize that they gave away the house to their children it was a taxable gift and taxes are due on the transferor (the person giving the gift has to pay the tax, the person receiving the gift is always after taxes).  But like many people they don’t think it through in terms of filing of a gift tax return or fraudulent conveyance.  They just do it for their convenience. The new Medicaid spend down provisions are very restrictive.  The intention is that if you (the elderly) have assets, before you qualify for nursing home assistance, they want you to become a welfare recipient.  And that’s what seniors are afraid to become.  Their generation never asked for assistance if they had a strong back, they worked for their dignity.  They don’t want to become “welfare recipients” it a very humiliating concept to them. Most common mistakes committed by seniors when trying to hide their assets: 1.Naming their children as (Parent’s name “and” Child ‘s name)  (Parent name “or” Child’s name) on their savings, checking, investment accounts, or near cash accounts.  THIS IS NOT A GOOD IDEA.  Too much risk, what if child gets sued, or divorced, or worse dies.  You open a new can of worms. 2.Give the house to the children.  You name one or more of the children.  Again not a good idea.
Source: ezinemark.com

LTC Solutions: Ten Reasons to Purchase Long Term Care Insurance

LTC Solutions consumer website allows consumers to learn about long-term care and long-term care insurance. Information such as; who pays for long-term care, how to become eligible for benefits, state partnership programs, the cost of long-term care, is long-term care insurance for you, and much more are all available right at our web-site, www.ltcsolutions.net
Source: ltcsolutions.net

Medicare Prescription Drug Assistance can Save $4,000

Posted by:  :  Category: Medicare

Racism by elycefeliz Mr. Jones is able to live within his $1300 Social Security check, but the cost of of his prescription medications take a big bite out of his income.  I was able to make his family aware that  their father, who  is covered by Medicare and has limited income and resources, may be eligible for Extra Help — available through Social Security — to pay part of his monthly premiums, annual deductibles, and prescription co-payments.
Source: marshagoodmanattorney.com

Video: Getting medicare for low prices

Exodus of medical graduates in Arizona stirs concerns

“; // All the postings var allPostings = new Array(“placeholder” , Array(‘PROPERTY ACCOUNTANT / BOOKKEEPER’, ‘CONFIDENTIAL’, ‘Property Accountant / Bookkeeper Summary…’, ‘http://www.careerbuilder.com/jobseeker/jobs/RedirectAOL.aspx?Job_DID=J3G2XN67HK3RJZ667WD&show=yes&lr=cbga_tap&siteid=cbga_tap060&show=yes’) , Array(‘Aggressive Recruiter’, ‘Retronix Semiconductor’, ‘AGGRESSIVE RECRUITER Mesa, AZ Exp. in Semiconductor…’, ‘http://www.careerbuilder.com/jobseeker/jobs/RedirectAOL.aspx?Job_DID=J3G6MQ6JWNTD1NF2P29&show=yes&lr=cbga_tap&siteid=cbga_tap060&show=yes’) , Array(‘Office Manager’, ‘MJS Designs, Inc.’, ‘Office Manager: Office Manager manages a…’, ‘http://www.careerbuilder.com/jobseeker/jobs/RedirectAOL.aspx?Job_DID=J3G6S86M0TLZDTCFNRC&show=yes&lr=cbga_tap&siteid=cbga_tap060&show=yes’) , Array(‘RESTAURANT MANAGERS’, ‘WENDYS’, ‘Restaurant Managers E. Valley GM an’, ‘http://www.careerbuilder.com/jobseeker/jobs/RedirectAOL.aspx?Job_DID=J3G82N70Q9RTXN5P2Z6&show=yes&lr=cbga_tap&siteid=cbga_tap060&show=yes’) , Array(‘Environmental’, ‘Stericycle’, ‘Environmental Technician Phoeni’, ‘http://www.careerbuilder.com/jobseeker/jobs/RedirectAOL.aspx?Job_DID=J3H1B664LDG71LM10Z9&show=yes&lr=cbga_tap&siteid=cbga_tap060&show=yes’) , Array(‘2nd Shift Test Technician’, ‘MJS Designs, Inc.’, ‘2nd shift Test Technician for assembled …’, ‘http://www.careerbuilder.com/jobseeker/jobs/RedirectAOL.aspx?Job_DID=J3H1DW638FDMPLB2B1Z&show=yes&lr=cbga_tap&siteid=cbga_tap060&show=yes’) , Array(‘Pre / Post-Op RN’, ‘Arrowhead Endoscopy &’, ‘Registered Nurse Glendale, AZ Fax 623-321…’, ‘http://www.careerbuilder.com/jobseeker/jobs/RedirectAOL.aspx?Job_DID=J3H33Z6S35KFJTWXMZS&show=yes&lr=cbga_tap&siteid=cbga_tap060&show=yes’) , Array(‘EXPERIENCED DISPATCHER’, ‘ANOTHER GREAT COMPANY’, ‘Dispatcher Phoenix, AZ Email Exp. Dispatch’, ‘http://www.careerbuilder.com/jobseeker/jobs/RedirectAOL.aspx?Job_DID=J3H42H6BRWMFCJVGQQG&show=yes&lr=cbga_tap&siteid=cbga_tap060&show=yes’) , Array(‘CNC Programmer / Machinist’, ‘Tooling Molds West Inc’, ‘CNC Programmer / Machinist Tempe, AZ TOOLING…’, ‘http://www.careerbuilder.com/jobseeker/jobs/RedirectAOL.aspx?Job_DID=J3H43277H6KGRJYGWYD&show=yes&lr=cbga_tap&siteid=cbga_tap060&show=yes’) , Array(‘Clinical Nurse Mgr. RN’, ‘Advanced Health Care of Mesa’, ‘Clinical Nurse Mgr. RN Advanced Health Care…’, ‘http://www.careerbuilder.com/jobseeker/jobs/RedirectAOL.aspx?Job_DID=J3H48C71KLJZ1SK8JSL&show=yes&lr=cbga_tap&siteid=cbga_tap060&show=yes’) , Array(‘Drivers’, ‘Another Great Company’, ‘DRIVERS Need team drivers w/CDL Class A …’, ‘http://www.careerbuilder.com/jobseeker/jobs/RedirectAOL.aspx?Job_DID=J3J4BF6F7JNFBG41Z2J&show=yes&lr=cbga_tap&siteid=cbga_tap060&show=yes’) , Array(‘Construction Materials Techs’, ‘Speedie & Associates’, ‘Construction Materi als Techs Phoenix, AZ’, ‘http://www.careerbuilder.com/jobseeker/jobs/RedirectAOL.aspx?Job_DID=J3J4PX6BPFB3KR11LMT&show=yes&lr=cbga_tap&siteid=cbga_tap060&show=yes’) , Array(‘Lineman’, ‘G.R.I.C.U.A.’, ‘Lineman Chandler, AZ’, ‘http://www.careerbuilder.com/jobseeker/jobs/RedirectAOL.aspx?Job_DID=J3J5G96KGHSP49WZYK9&show=yes&lr=cbga_tap&siteid=cbga_tap060&show=yes’) , Array(‘Documentation Specialist’, ‘MJS Designs, Inc.’, ‘Documentation Specialist: • Prepares, …’, ‘http://www.careerbuilder.com/jobseeker/jobs/RedirectAOL.aspx?Job_DID=J3J5W376QFFF2V1JX4X&show=yes&lr=cbga_tap&siteid=cbga_tap060&show=yes’) , Array(‘Mining Employees Needed’, ‘Company confidential’, ‘Mining Employees Needed Certified and non…’, ‘http://www.careerbuilder.com/jobseeker/jobs/RedirectAOL.aspx?Job_DID=J3J73Z600MHP1TYBRFT&show=yes&lr=cbga_tap&siteid=cbga_tap060&show=yes’) ); //
Source: azcentral.com

Attention Arizona Medicare Supplement Eligible

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

FIRST ACCOUNTABLE CARE ORGANIZATIONS UNDER THE MEDICARE SHARED SAVINGS PROGRAM

Arizona Connected Care is a collaboration of independent health care providers in Tucson and Southern Arizona, including more than 150 physicians, three Federally Qualified Health Centers and Tucson Medical Center.   While building on Patient-Centered Medical Home methods to improve access to team-based primary care services, Arizona Connected Care is also committed to aligning efforts of specialists and institutions to assure that patients throughout the community have access to necessary services, in a supportive and education-based health care environment.  Engaging patients directly in their own care should lead to improved decision-making, quality of life and better use of community health resources.  Arizona Connected Care will re- focus on basics, providing patients with access to information and extra resources to assist with transitions between care settings – “hospital to home”, ensuring that patients (especially those with chronic conditions) get the right care, at the right time, in the right setting.  The ACO is expected to serve nearly 7,500 beneficiaries.
Source: azafp.org

Fact Checking the mendacity of ‘Mittens’

After winning several more presidential primaries this week, Mitt Romney delivered a speech his campaign billed as the unofficial kickoff of the general election. And while making his pitch as the presumptive Republican nominee, the former governor said President Obama intends to "run a campaign of … distortions."
Source: blogforarizona.com

An $8 billion trick? Playing money shuffle with Medicare to deceive seniors for the election

It’s hard to imagine a bigger electoral disaster for a president than seniors in crucial states like Florida, Pennsylvania and Ohio discovering that he’s taken away their beloved Medicare Advantage just weeks before an election. But the administration’s devised a way to postpone the pain one more year, getting Obama past his last election; it plans to spend $8 billion to temporarily restore Medicare Advantage funds so that seniors in key markets don’t lose their trusted insurance program in the middle of Obama’s re-election bid.
Source: independentarizona.com

Thanks to the Affordable Care Act, Arizonans on Medicare Saved $37 Million

I am so glad that the nation is able to help defray the cost of healthcare for the senior segment of our population that possesses the greatest wealth of any group in the country. Without our taxes and property, seniors would be forced to draw from their pensions, retirements, or even having to sell their Florida vacation homes just to pay the cost of their prescriptions and Medicare premiums. Is there not a more just cause that is worth destroying the careers and futures of grandchildren today?
Source: momsrising.org

How To Shop For Affordable Group Health Insurance coverage In Arizona

Group wellness insurance coverage is typically bought by employers to offer you their employees. Although providing affordable group well being insurance coverage isnt legally necessary, employers who do provide affordable group health insurance coverage in Arizona are more likely to attract and maintain staff than those employers who do not offer it.
Source: verobeachtattoo.com

Medicare Select: Are sales opportunities passing you by?

Posted by:  :  Category: Medicare

Deputy Administrator and Director for the Center of Medicare at CMS Jonathan Blum visits Christiana Care to speak about accountable care organizations by Christiana CareAssured Life Medicare Supplement Customer Retention Customer Service Gerber Life Medicare Supplement Leads Medicare Select Med Select Mutual of Omaha Medicare Supplement Omaha Insurance Company Medicare Supplement Senior Market Advice Senior Market Success Technology United of Omaha Medicare Supplement Web Tips Woodmen of The World Medicare Supplement Med Supp (1) MedAmerica (1) Medicare Select (1) Medicare Supplement (1) Medigap (1) Short Term Care Insurance (1) STC Insurance (1)
Source: psmbrokerageblog.com

Video: Jazzy Select Elite Power Chair, Medicare Approved

Illinois Medicare Supplement Plan G Plan Details and Cost

Remember, simply because providers must offer the same plans does not mean they are all reputable or dependable. And when it comes time to collect on your benefits, a low cost will not help you if the insurance company cannot deliver. Stay with the major names and get peace of mind in knowing you’re insured with a stable, reliable provider. Blue Cross Blue Shield of Illinois, for example, has been providing Medicare supplement insurance to folks just like you for years. Because they are dependable, they will continue to offer competitive prices and great benefits for years to come.
Source: ssiinsure.com

Medicare Select: Are sales opportunities passing you by?

The main difference is that a Medicare Select plans require patients to go to a hospital in the carrier’s affiliated network.  With several locations all over the United States, SELECT plans are especially beneficial to those seniors already utilizing the hospital in the network.  In cases of emergency, a hospital outside of the network may also be used and the costs still covered.
Source: wordpress.com

Medicare Select Supplement Insurance Plans

Much like Medicare Advantage plans, the primary disadvantage is simply the constraints of the network. It is important to be certain of any network limitations by first checking with the insurance company and/or the agent before purchasing a policy. And consumers must be aware that certain doctor groups and facilities may be in the approved network one year and out the next.
Source: ohioinsureplan.com

Medigap Plans Available in Texas for all Seniors

Simply because plans are standardized does not mean different insurance companies will be the same. There are stark differences in cost, dependability and reliability that must be taken into consideration. You may be able to find a great plan for less, but be wise when choosing coverage and stay with household names you know and trust for delivering benefits on time and when you need them most. Companies like United of Omaha or Blue Cross Blue Shield of Texas have worked hard to gain the trust of Texans by providing coverage they can depend on.
Source: medicareinsurancetexas.com

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

Health Care Costs in Retirement

At the birth of Medicare in 1965 Lyndon Johnson’s Great Society Act was a way to simplify health coverage for retirees at & over the age of 65. It was to provide a means of hospital insurance for the aged under the Social Security Act with a supplementary medical benefits program and an extended program of medical assistance, to increase benefits under the Old-Age, Survivors, and Disability Insurance System, to improve the Federal-State public assistance programs, and for other purposes.
Source: hvsfinancial.com

Benefits of Medicare supplement insurance

the amount that will be covered by the Medicare supplement insurance depend upon whether a person has opted for Medicare coverage of part A or part B as well. Presently you will find 12 standardized plans of Medicare supplement insurance. There are different types of such insurance that are available and among them one is Medicare select. This policy is not as expensive as other Medicare supplement insurance policies. But as there are many advantages and disadvantages to different policies a disadvantage to this kind of Medicare supplement insurance is that you are restricted to a certain number of doctors as well as certain hospitals only. The expense which is not covered by your main insurance is covered by this kind of insurance covers. These insurance are especially suitable for those who are not prepared to handle huge medical bills or for those who cannot take out time from their work. People who are covered by the Medicare are the one for whom these kinds of insurance policies are intended. As Medicare don’t cover at home care or long term care or even nursing homes.
Source: ezinemark.com

Even average Medicare plans get government bonuses

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Source: retirementrevised.com

Best Medicare Supplement Plan

Posted by:  :  Category: Medicare

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Source: medicare-supplement-comparison.com

Video: Medicare Supplemental Insurance Comparison

Best Comparison Of Medicare Supplemental With Other Plans

A Medigap policy refers to Medicare supplement insurance. It is a private health insurance offered by the private insurance company with many benefits of health insurance plans. It is very good plan used to fill the gaps between supplemental original Medicare. Therefore, it is the most supportive option for keeping you safe and secure, and then you have to pay some of the health care costs that are not covered by original Medicare. Well, if you want to secure your life for long term, then you have to take it from private health insurance company.
Source: ezinemark.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

Comparison of Medicare Premium Support Proposals

The brief compares the premium support provisions of these proposals, including how the level of premium support for beneficiaries would be determined; whether traditional Medicare would remain an option; what protections would be provided for low-income beneficiaries; and whether and how the proposals would cap federal spending on Medicare.  These differences have important implications for Medicare beneficiaries, the federal budget, health care providers and private health plans.
Source: kff.org

Premium Support Proposals: Key Elements and a Comparison

Comments are subject to approval and moderation. We remind everyone that The Heritage Foundation promotes a civil society where ideas and debate flourish. Please be respectful of each other and the subjects of any criticism. While we may not always agree on policy, we should all agree that being appropriately informed is everyone’s intention visiting this site. Profanity, lewdness, personal attacks, and other forms of incivility will not be tolerated. Please keep your thoughts brief and avoid ALL CAPS. While we respect your first amendment rights, we are obligated to our readers to maintain these standards. Thanks for joining the conversation.
Source: heritage.org

Why we need an improved 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.
Source: pnhp.org

Medicare Supplement insurance Plans Comparison

Another thing to remember is that the Medicare supplement packages are the same. Anything plan you select will be the same, whoever you buy it from. Your first order of business, therefore, is to understand what is included in the plans and to select the one that is right for you. If you select a more unabridged plan, such as Plan J, is will naturally cost more than Plan B, for instance, but even so, one guarnatee enterprise may payment more or less for it than another. guarnatee associates are not bound by law to payment the same excellent for the same policy.
Source: blogspot.com

A comparison between Medigap and Medicare advantages plans

For example, if a medicare advantage plan requires a premium at regular monthly base and the cost of premium gets higher with the advent of time at the time of further renewal. In case of Medigap policies, the users can decide on a certain premium plan and if intends can lock the premium rates for a bigger span of time. Moreover, Medicare Advantage plan may charge more pocket expenses for variable accounts like hospice care, hospital stay etc. which is not commonly happens in most of the Medigap plans.
Source: ezinemark.com

Even average Medicare plans get government bonuses

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Source: retirementrevised.com

How to Perform a Quick Medicare Supplemental Insurance Comparison

Medicare Supplement Plan F (Most Popular Plan) • Covers 100% of the gaps in Medicare • No deductibles, no co-pays and no coinsurance to pay • No Network • Medicare Supplement Plan G • The only out-of-pocket expense is the Part B deductible each year • Pays 100% of the gaps after the annual deductible • Typically a lower monthly premium than Plan F, especially for those over age 70 • Medigap Plan H is no longer offered as of June 2010 due to lack of unpopularity and underused benefits.
Source: holophoneuk.com

Medicare Trustees Release Annual Report

Posted by:  :  Category: Medicare

waiting by drivebybiscuits1Kenneth Thorpe, Ph.D., is the Robert W. Woodruff Professor and Chair of the Department of Health Policy & Management, in the Rollins School of Public Health of Emory University, Atlanta, Georgia. He also co-directs the Emory Center on Health Outcomes and Quality. He was the Vanselow Professor of Health Policy and Director, Institute for Health Services Research at Tulane University. He was previously Professor of Health Policy and Administration at the University of North Carolina at Chapel Hill; an Associate Professor and Director of the Program on Health Care Financing and Insurance at the Harvard University School of Public Health and Assistant Professor of Public Policy and Public Health at Columbia University. Dr. Thorpe has also held Visiting Faculty positions at Pepperdine University and Duke University. Dr. Thorpe was Deputy Assistant Secretary for Health Policy in the U.S. Department of Health and Human Services from 1993 to 1995. In this capacity, he coordinated all financial estimates and program impacts of President Clinton’s health care reform proposals for the White House. He also directed the administration’s estimation efforts in dealing with Congressional health care reform proposals during the 103rd and 104th sessions of Congress.
Source: healthworkscollective.com

Video: Medicare Set Asides in Georgia Workers Compensation cases

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

Advantages of Using Georgia Medicare Professional Sites

Another advantage is witnessed by the fact that this service is time saving. Unlike looking for Medicare advantage plan from one GA senior insurance company site to another, Georgia Medicare insurance company offers all these services from one site. Here you have the opportunity to get information from a number of Georgia senior insurance companies at the same place. This saves you the time of going from one site to another and you also get the Georgia Medicare plan that you are looking for easily. Using professional sites is also advantageous because it is less tiring. Considering that you are dealing with only one site/company, your brain does not have to tire because the comparison is done on the spot.
Source: articlewritershub.info

Hospital Owner Makes $43 Million Medicare Settlement

The 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

The Democratic Party of Pike County, Georgia: Defending Medicare (et al.)

For whatever reason, the Pike County Journal-Reporter decided not to put my last (published) letter to the editor on their website. I’ve had a few people ask me to publish it myself because they missed it. I’m reluctant to do so — selling papers is how they stay in business and I’d like for newspapers to stay in business. So, let me encourage you to buy the paper when it comes out. There will be more letters in the future. (Hopefully.)  On the other hand, my job is to further the goals of the Democratic Party. And I believe strongly in good government. We can argue about the size of government — that’s a legitimate argument — but no one can argue that we should have an ineffective and incompetent government. No one should be able to argue for bad public policy. Yet, that is exactly what the Republicans are doing by supporting Wisconsin Congressman Paul Ryan’s budget proposal. Here’s a quote from a BBC article about the budget proposal.
Source: blogspot.com

Medicare Advantage Plans in Georgia

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Source: fluxfeatures.com

Importance of Using Georgia Medicare Services — Article Directory

Another advantage is witnessed by the fact that this service is time saving. Unlike looking for Medicare advantage plan from one GA senior insurance company site to another, Georgia Medicare insurance company offers all these services from one site. Here you have the opportunity to get information from a number of Georgia senior insurance companies at the same place. This saves you the time of going from one site to another and you also get the Georgia Medicare plan that you are looking for easily. Using professional sites is also advantageous because it is less tiring. Considering that you are dealing with only one site/company, your brain does not have to tire because the comparison is done on the spot.
Source: linkpast.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

Fact vs. Fiction: Medicare is Not Going “Bankrupt” 

Posted by:  :  Category: Medicare

David Eggen by dave.cournoyerAs described in previous Alerts, the Trust Fund is a victim of the economy.[2]  Health care costs typically rise at a much faster rate than general inflation.  This, combined with a high unemployment rate which means that fewer people are working and contributing payroll taxes into the Trust Fund, leads to the changes in the projected solvency of the Trust Fund. Since 1970, the trustees have projected Trust Fund insolvency in as little as 4 years or as much as 28 years.[3]  The longest projected solvency period occurred in years in which the country experienced high economic growth and budget surpluses.
Source: medicareadvocacy.org

Video: Improving Medicare in 2011

Competition benefits Medicare

The Dallas Morning News Editorial Board was the first editorial board in the nation to use a blog to openly discuss hot topics and issues among its members and with readers. Our intent is to pull back the curtain on the daily process of producing the unsigned editorials that reflect the opinion of the newspaper, and to share analysis and opinion on issues of interest to board members and invited guest bloggers.
Source: dallasnews.com

A Closer Look At The Medicare Trustees’ Report

1. Medicare Income and Expenditures as a Percent of Gross Domestic Product (GDP).  One way to express the growth in the total Medicare program is as a percentage of GDP, which is the total value of all goods and services produced in the United States. This reflects society’s current resources devoted to Medicare and provides a broader context for the combined costs of HI and SMI.  Under the Trustees’ intermediate assumptions total Medicare expenditures will grow from 3.7 percent of GDP in 2011 to 4 percent of GDP in 2020 and 6.7 percent of GDP in 2086, as shown in Figure 2. The components of the bars show projected HI income (payroll taxes, tax on benefits, premiums, state transfers and drug fees and general revenue) and projected HI expenditures through 2086. While payroll taxes will remain relatively constant as a share of GDP, other relatively minor sources of financing will increase slightly. The HI deficit (the difference between HI income and HI expenditures) will increase from 0.26 percent of GDP in 2011 to 0.73 percent in 2086, and will average 0.63 percent of GDP over the next 75 years.
Source: healthaffairs.org

Medicare Trustees Project Funding Will Fall Short By 2024

Kaiser Health News: Trustees: Aging Population, Costs Worsen Medicare’s Long-term Prognosis Overall, the outlook for the social insurance program that covers nearly 50 million elderly and disabled people was only slightly worse than findings from last year. Once again, trustees forecast that Medicare’s hospital fund would begin to run out of money beginning in 2024, but in a politically charged campaign season, both Democrats and Republicans can be expected to use the report to their advantage. … Today’s report emphasized that Medicare costs in both the short term and long term would rise higher than previously reported but these costs would be offset by 2 percent cuts to the program agreed to in last year’s deficit reduction agreement, unless Congress passes an alternative cost-cutting plan (Werber Serafini and Galewitz, 4/23).
Source: kaiserhealthnews.org

Medicare on Main Street: 2012 Trustees Report; A Mixed Bag of Quicksand for Beneficiaries

Instead of responding to yet another call to action from the Medicare Trustees, the President’s takeover of health care law stripped more than $500 billion from the Medicare program to help pay for new entitlements we cannot afford.  The failure of the president to take seriously the warnings of Medicare’s Trustees belies either a lack of understanding of the magnitude of Medicare’s challenges or, more likely, a willingness to put election year politics above the real needs of America’s seniors.  This is particularly unfortunate because, as noted in the Trustees’ report, if current law assumptions do not hold as they undoubtedly will not, “
Source: gop.gov

Medicare Supplement Insurance Still Worth The Cost

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: internet-millionaire-articles.com

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

The 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

CMS Announces Proposed Rule on 2011 Medicare HH Reimbursement Rates

Why the increase in the case-mix weight adjustment?  CMS expanded its coding weight analysis into 2007 and 2008 processed claims.  As a result of analysis of this data, CMS claims that the average coding weights continued to increase in levels unrelated to changes in patient characteristics.  These coding changes resulted in an increase in therapy visits per patient with a higher than anticipated increase of 14+ visit episodes.  CMS also noted a higher incidence of reported diagnoses of hypertension leading to higher HHRG scores.
Source: hcafnews.com

Over 1 Million Medicare Beneficiaries Participating in ACOs

CMS has estimated that as many as 270 ACOs could be formed over the next three years, replicating models pioneered by distinguished medical organizations such as the Mayo Clinic (Minnesota), the Cleveland Clinic (Ohio), Intermountain Healthcare (Utah and Idaho), and the Geisinger Health System (Pennsylvania) as well as the California Public Employees Retirement System (CALPERS) and leading health insurers such as Blue Shield of California.
Source: publicconsultinggroup.com