Medicare Supplement Insurances

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSIn order to get Medicare Supplement Insurances when using a health quote service, you will need to provide basic information such as your age and gender.  You will get a number of different insurance policies from different providers to review the prices and policy figures from all the different providers.  You can pick out those insurance plans that give you exactly what you need and that are within your financial reach.
Source: emhhealthcarejobs.com

Video: Lowest Rates Of Michigan Medicare Supplement Providers

Medicare Supplemental Insurance, Plan for every common individual

Difference 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

Can Medicare Supplemental Insurance Help Your Financial Stability?

There are numerous companies in the market from which you can buy your Medicare supplemental insurance. When you apply for your Medicare supplemental plans try to apply during the Open Enrollment Period to increase your chances of success with your application. When you apply during the Open Enrollment Period your medical history may not disbar you from being qualified for your Medicare supplemental insurance. You don’t have to be bogged down by the jargons such as ‘Open Enrollment Period’. This simply refers to the first 6 months period after enrolling in Medicare Part B. In other words, if you apply for your Medicare supplemental insurance within 6 months after you have enrolled in Medicare Part B plan, insurance companies cannot deny your application. Before you apply for your Medicare supplemental insurance try to familiarize yourself with all the eligibility requirements. It is also worthwhile to review several Medicare supplemental plans before you buy your Medicare supplement insurance.
Source: medicarequotefinderblog.com

Get secured with supplemental insurance

Portion C will be the health insurance program that combines the advantages of both Part A and Part B. It also covers many other expenses which are not covered by Component A and Element B. The Portion C Medicare supplement plan is only offered by means of Medicare-approved private insurance firms. Component D Medicare supplement plan was developed to cover prescription drug expenditures. If you are prescribed drugs by a physician, it aids inside the costs linked with these prescriptions. Remember that that the policyholders who enroll themselves for the individual Medicare Portion D strategy may not retain the drug coverage from their Medigap policy. The beneficiary may perhaps decide to get rid of drug coverage from their existing Medigap policy though retaining all other rewards.
Source: visitthezero1hotelmontreal.com

Mutual of Omaha Medicare Supplement

To begin with, there are positive Medigap plans that all guarnatee providers must provide. If you would like to work with a positive provider, such as Mutual of Omaha, because you have used them before and you think that they are affordable and accessible, then you may do so, but keep in mind that they will not offer your separate coverage. In other words, the Mutual of Omaha Medicare supplement will look exactly like the Humana Medicare supplement. You will see the same plans, A straight through N, and you will find that the coverage offered in each plan is exactly the same.
Source: blogspot.com

Illinois Medicare Supplement Plan G: Is this your Best Option?

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

Before You Shop That Medicare Supplement Provider

People aged 65 and above conforming to certain criteria are eligible for Medicare supplements. Those below 65 but proven disabled are also qualified. The families of these groups can shop around for any provider however should remember few important things about the program as enforced by law. While these programs are provided by private institutions, the law governing them varies from state to state. Shoppers must be aware of their state law regarding Medicare supplements to make sure their loved ones get the necessary services.
Source: ezinemark.com

Medicare Supplemental Health Insurance Resources Online

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSWhen 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: internet-millionaire-articles.com

Video: Medicare Supplements Overview

Get secured with supplemental insurance

Portion C will be the health insurance program that combines the advantages of both Part A and Part B. It also covers many other expenses which are not covered by Component A and Element B. The Portion C Medicare supplement plan is only offered by means of Medicare-approved private insurance firms. Component D Medicare supplement plan was developed to cover prescription drug expenditures. If you are prescribed drugs by a physician, it aids inside the costs linked with these prescriptions. Remember that that the policyholders who enroll themselves for the individual Medicare Portion D strategy may not retain the drug coverage from their Medigap policy. The beneficiary may perhaps decide to get rid of drug coverage from their existing Medigap policy though retaining all other rewards.
Source: visitthezero1hotelmontreal.com

By Adopting A Medicare Supplement Insurance Plans Seize A New Life

For the new generation it is very easy as they very smoothly read a little online or even speak with an experienced Medicare Supplement Insurance agent to know and understand that Medicare supplement insurance plans are totally standardized and have been since 1992. Through phone or even online an individual can receive quotes from several companies, this is very easy for one to choose and find out which company offers the best premiums for the plan an individual is making up his mind to purchase. Although previously it was not this easy. Medicare understood that it was irresistibly challenging to compare plans and premiums and ensure Medicare recipients are both covered and they infers their coverage. If an individual is not having a standardized plan, it bestow itself to the Medicare supplement insurance agents, who most of the times tends to mislead a consumer. This also proves to be beneficial for those insurance companies who gives the combination of some limited benefits and high premiums for gaining high profit margins.
Source: articledirectory.name

Medicare Supplemental Insurance, Plan for every common individual

Difference 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

The Real Health Care Train Wreck : South Carolina Nursing Home Blog

Posted by:  :  Category: Medicare

OBAMA: THE SOCIALIST/MARXIST/COMMUNIST -- UNMASKED FOR ALL TO SEE by SS&SSSecond, Medicare drives a tremendous amount of federal spending, crowding out our ability to invest in other programs. That is why the Medicare Independent Payment Advisory Board is so critical and why the House vote to eliminate it is so dangerous. As proposed, the board cannot control costs through rationing care, increasing taxes, changing Medicare benefits or eligibility, or increasing premiums. Rather, it would need to be creative, expanding upon delivery system reforms that drive down costs while maintaining the commitment to covering all of America’s elderly. It could save the country more than $15 billion over the next ten years.
Source: scnursinghomelaw.com

Video: Fresh Perspectives: MEDICARE

Viewpoints: CLASS Act’s Effect On Health Law; New Prescriptions For Medicare; Food Marketing To Kids

Modern Healthcare: Point-Of-Care Eligibility Tests Help Steer Patients To Right Insurance Programs With the latest U.S. Census Bureau figures citing rising numbers of the uninsured, all eyes are again looking at what can be done to help this population. Meanwhile, studies have shown nearly one-third of the estimated 50 million uninsured Americans qualify for free or low-cost government-sponsored health insurance programs but aren’t signed up. As a result, millions of eligible Americans are using hospital emergency rooms for their primary care, resulting in hospitals experiencing millions of dollars in losses (Phil Lebherz, 10/17). Modern Healthcare: Don’t Delay On ACO Push As the CMS prepares to issue the second round of the regulations for its accountable care organization initiative, known as the Medicare Shared Savings Program, healthcare organizations and political pundits are waiting to see if the many questions raised by the structure and risk described in the first round of draft regulations have been addressed. Without sufficient participation in these Medicare programs, it is not clear if government can drive a movement toward “accountable care” fast enough to meet the needs of our challenged healthcare system (Dr. Gene Lindsey, 10/14).
Source: kaiserhealthnews.org

Alternative Medicine for Children

Alternative medicine is usually considered to have limited effect, which is true for some of the modalities that will be performed by qualified professionals. However, some treatments, such as herbal and dietary supplements, can potentially interact with prescription drugs and over-the-counter or cause their own side effects. Parents should always collect the safety information provided before exposing their children to alternative medicine. If you can not find this information, ask your pediatrician. NCCAM recommends that parents talk with their regular pediatrician, regardless of how much research they do themselves. Complementary and alternative medicine should not replace traditional medical care.
Source: medicare-medicaid.info

Changes to Illinois All Kids Medicaid Program Harmful to Thousands

Families that make 300% above the poverty level will no longer be eligible to put their children into this health care program. That percentage equates to about $60,000 for a family of four. The result is that 4,300 children in Illinois will suddenly be completely without health insurance. Many of these children have cancer, or other serious health conditions. Parents, or caregivers, of these children will soon be forced to figure out how to pay for the cost of things like chemotherapy, prescription medications, and hospital visits without the help from the All Kids program.
Source: families.com

Updated: Deifying Representative Ryan, Stage One

Taxes are the nation’s income—and ultimately, an investment in America itself. Corporations and the wealthy benefit the most from their share of their investment in America: Among other things, they take advantage of government programs that afford them easy access to financing, grants and other sources of cash; their goods travel on our roads, bridges, and waters; they enjoy trade agreements with other nations set forth by the federal government, and so on. Corporations and the wealthiest one percent of Americans are enjoying the greatest profits ever experienced, yet they are hoarding their cash, hiding it from the real job creators—the people who keep them in business and force the need to expand by buying their products—and refuse to invest it back into the country that made it possible for them to achieve their success. This is wrong. The country took a dramatic cut in its income when Republicans slashed the share the One Percent were investing in America. The results are clear and indisputable. The country needs a raise, not another cut to our income.
Source: crooksandliars.com

Medicare and Durable Medical Equipment

There are also apparatuses outside this basic definition and are known as DMEPOS.  This means aside from DME’s there are also prosthetics, orthotics, and other supplies related. Prosthetics is an artificial device extension that replaces missing or defective body parts.  Under this device category are other familiar devices such as hearing aids, gastric bands, and dentures.  On the other hand, orthotics is an orthopaedic device made to support or correct the function of a limb or torso.  This group of apparatuses can also assist movements, speed up the rehabilitation of a patient with fractures after cast, and also reduce pain caused by a certain bone or joint condition.
Source: ezinemark.com

Eschaton: Medicare For Old People Good Medicaid For Kids Bad

This commenter pretty much embodies the modern Republican party. [W]ith Obamacare we the taxpayer are the ones paying for it and because of Obamacare our Medicare will be cut because the Democrats decided to take the money from Medicare. Oh and we the taxpayers who are paying for Obamacare shouldn’t have lesser health insurance than you deadbeats who get it for free. Welfare should be for short-term assistance so people can get on their feet…not a way of life and not a system where people who have BMWs and Mercedes are whipping out Access cards while chatting on their iPhones.
Source: eschatonblog.com

2,000 Kids and Counting: MPCA Enrollment Program Reaches Milestone

All children whom the community navigators enroll are referred to local Health Centers for primary and preventive health care. “Health Centers offer quality, affordable, comprehensive health care and they are guaranteed to accept both Medicaid and CHIP,” said Bergquist. “Just having coverage isn’t enough – children also need a health care home they can rely on for sports physicals, immunizations, well child checks, and in many cases chronic disease management.” Health Centers also share in the commitment to enrolling patients in health coverage programs and since November 2007 have assisted in submitting nearly 22,000 applications.
Source: wordpress.com

Is the Health Care Cost Curve Bending?

When I spoke to Kleinke on the phone in February, he accused the Obama administration of trying to hide the decline in spending growth in order to justify passage of the health care overhaul. The Obama administration wants people to believe that “the recession has tamed health care costs,” he said. “That’s not true. This is a trend that has been going on since 2002 and 2003 because of profound changes in the market.”  It’s “politically necessary” around the White House to claim that health care “needs massive reinvention” driven by the federal government, he told me. The decline in spending growth, he said, “takes away a lot of the political rationale for the average voter” to support the health care law.
Source: reason.com

Payne Supported Medicare for All

Posted by:  :  Category: Medicare

“Right now, the Republicans are wrangling votes for another unbalanced and partisan scheme to end Medicare as we know it. Republicans are focused on protecting the top 2 percent of Americans at the expense of 98 percent of our families. Unfortunately, on April 15, 2011, House Republicans passed a budget that would end Medicare and replace it with a system where seniors get a voucher to go out and buy private insurance. Under the Republicans’ program, there would be benefit cuts and cost increases for seniors. Rather than supporting our elderly and disabled citizens, tax breaks would be provided to special interest groups, Big Oil and corporations that ship jobs overseas. Republicans argue that the Medicare program cannot be maintained and must be completely replaced. “I reject the Republicans’ efforts to end Medicare. I will continue to work with my colleagues on both sides of the halls of Congress to reach a balanced, bipartisan solution to reduce our deficit, create jobs, grow our economy and protect Medicare, Social Security and Medicaid beneficiaries.”
Source: njoneplan.org

Video: Medicare Free B Spanish 2012 Ocean County, NJ

Giant VNA Rummage Sale Starts on Friday

The Visiting Nurse Association of Somerset Hills and its subsidiaries provide individuals and families with comprehensive, cost-effective home and community healthcare services, regardless of ability to pay, using partnerships where appropriate. according to the VNA. It is a charitable, tax-exempt home health agency and hospice certified by Medicare, accredited by the Community Health Accreditation Program and licensed by the New Jersey Department of Health and Senior Services.  For more information, visit www.visitingnurse.org.
Source: patch.com

How to Help Stop Medicare Fraud

Chilton Hospital is a fully accredited, 260-bed, acute-care, community hospital. It is a four-time recipient of the HealthGrades Specialty Excellence Award in Stroke, and Five-Star Rated for Stroke Care, the highest possible, for six years in a row. It is also Five-Star Rated for Joint Replacement and Total Knee Replacement for 2012. Chilton’s many services include minimally invasive and robot-assisted surgery, a state-of-the-art Emergency Department, a Pain Management center, the Sleep Health Institute, the Comprehensive Wound Healing/Hyperbaric Center, the Chilton Cancer Center, the Mother/Baby Center, an American Diabetes Association-recognized diabetes education program and a weight loss surgery program. Chilton has recently embarked on a $24 million modernization project, which includes the Cardiovascular Interventional Lab, the Comprehensive Breast Center and the Total Joint Center. The hospital is located at 97 West Parkway in Pompton Plains, NJ 07444. For more information about Chilton’s facilities and services, or to find a doctor by name, specialty, or location, please visit www.chiltonhealth.org or call 1-888-CHILTON.
Source: patch.com

Letter: Even the Playing Field in Medicare Payments

For much too long there has been unfair treatment of urban hospitals, such as Community Medical Center in Toms River, when it comes to Medicare payments in comparison to Medicare payments to hospitals in rural areas. The theory in the past was that rural hospitals served more Medicare patients than urban hospitals. This theory is no longer true and many urban hospitals such as Community Medical Center are highly dependent on Medicare payments since they serve high proportions of Medicare patients.
Source: patch.com

About Health Transparency

The Centers for Medicare & Medicaid Services (CMS) issued a proposed rule that would update Medicare payment policies and rates for inpatient stays to general acute care hospitals paid under the Inpatient Prospective Payment System (IPPS) and long-term care hospitals (LTCHs) paid under the LTCH Prospective Payment System (PPS).   The proposed rule would strengthen the Hospital Value-Based Purchasing Program (VBP Program) to further Medicare’s transformation from a system that rewards volume of service to one that rewards efficient, high-quality care.  This program, which was required by the Affordable Care Act, will adjust hospital payments beginning in FY 2013 and annually thereafter based on how well they perform or improve their performance on a set of quality measures.   Specifically, CMS is proposing to add the Medicare spending per beneficiary measure to the Hospital VBP Program, which would affect payments beginning in FY 2015.  This measure would include all Part A and Part B payments (after removing differences attributable to geographic payment adjustments and other payment factors) from three days prior to an inpatient hospital admission through 30 days post discharge with certain exclusions.  The proposed measure would be risk-adjusted for the beneficiary’s age and severity of illness.   The proposed rule also includes a new outcome measure that rewards hospitals for avoiding certain kinds of life-threatening blood infections that can develop during inpatient hospital stays. This measure, the central line-associated bloodstream infection measure, supports ongoing work by CMS and other hospital safety leaders to reduce healthcare-associated infections through the Partnership for Patients initiative.
Source: ipro.org

United of Omaha Medicare Supplement Increase for NJ

401k advantage plus Agent Incentives American Continental Insurance Company American Continental Medicare Supplement plans Colorado Continental Life Insurance Company Critical Illness Insurance Family Life Insurance Company Free White Paper Genworth Gerber GTL Advantage Plus Hospital Indemnity Plans Idaho Income Tax Free IRA Kentucky lead program Maryland Medicare medicare advantage Medicare Supplement Leads Medicare Supplement Rate Increase Medicare Supplements Medigap plans Michigan Mini Critical Illness plan New Hampshire New Jersey NH Medicare Supplements Part A Deductible Part B Deductible Pennsylvania Rate Increase Sell Hospital Indemnity plans Senior Hospital Indemnity plan Skilled Nursing Facility South Carolina Tennessee United of Omaha United World Virginia Webinar West Virginia
Source: srbenefit.com

Morning News Digest: April 30, 2012

“The entire Atlantic County Republican organization is shocked and disappointed in hearing this news.  Jim Curcio is entitled to a hearing before any conclusions are reached.  But if these charges are proven true, he has an obligation to do the right thing and immediately resign his position as Surrogate.  Driving under the influence of alcohol is inexcusable.  It has led to so many tragic losses in our area.  We remain committed to supporting those critical efforts that draw attention to the dangers of drunken driving, such as those of the County Executive’s Office of Highway Safety and the upcoming HERO Campaign’s ‘Jersey Shore’ initiative.”
Source: politickernj.com

Greedy geezers? Make that ‘greedy totalitarian geezers’

. After service, the youngsters would get any academic or vocational training they desired. Basically a general latter-day totally inclusive GI Bill. Of course this would cost money, anathema to the Mulshines of this world, but very useful to the young people with more than 75 years left, who in turn would be supported for 20 years or so by following generations. I was a beneficiary of the original GI Bill even though I was spared from flying over Japan in a B-29 because Harry Truman, who had seen war first hand in WWI, never misplaced his political testicles (unlike the current crop) and authorized using the only two A-Bombs we had at the time. The generation that preceded mine, the one between World Wars, was spared the horrors of war, but made few complaints about paying the costs of the war or the education of veterans, even the non-combat vets. Yes, I expect people who are still earning some money, especially those who are earning millions, to help support those in need (and we are not in need of outside support now at current rates of Social Security and Medicare).
Source: nj.com

CMS Reveals First 27 ACOs in Medicare Shared Savings Program

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

A Conservative Medicare Plan Liberals Could Love

Posted by:  :  Category: Medicare

Try new Ryan Plan Senior Food - coming to a Republican Congress near you by EN2008The level of the premium-support payment in each region for that year would be set at, for instance, the level of the second-lowest of the bids. Seniors would then be able to apply that amount toward the purchase of any of the plans on offer in their area. Thus, in each region, there would be at least one option that would cost less than the Medicare benefit, and seniors choosing that option would get the difference back as cash in their pockets; there would be at least one plan that cost the same as the benefit, so that seniors could obtain it with only the same out-of-pocket costs they have today; and there would be other plans that cost more (perhaps because they offered more, or because they failed to find ways to drive greater efficiency in their networks of doctors and hospitals) and for which seniors would pay an additional premium if they chose.
Source: motherjones.com

Video: Medicare Advantage Plans 2011

Detailing Romney’s Medicare Plans

Arizona Republic: JAN PAC Is Aiming For Impact Gov. Jan Brewer is taking her fight against illegal immigration and the new federal health care law nationwide, with the formation of a new political-action committee. Brewer, who has become an increasingly popular fixture on the GOP fundraising and speaking circuit in recent months, announced the creation of JAN PAC on her Facebook page Monday night, prior to speaking and signing copies of her new book at the Ronald Reagan Presidential Library (Rough, 11/9)
Source: kaiserhealthnews.org

So Where's the Medicare Plan?

Starting in 2022, new Medicare beneficiaries will be enrolled in the same kind of health care program that members of Congress enjoy. Future Medicare recipients will be able to choose from a list of guaranteed coverage options, and they will be given the ability to choose a plan that works best for them….The Medicare premium-support payment would be adjusted so that wealthier beneficiaries would receive a lower subsidy, the sick would receive a higher payment if their conditions worsened, and lower-income seniors would receive additional assistance to cover out-of-pocket costs.
Source: motherjones.com

Humana reports 21 percent drop in 1Q profit

FILE – This Aug. 8, 2011 file photo, shows the entrance to the Humana building, in Louisville, Ky. Humana Inc. says its first-quarter net income in 2012 fell 21 percent as the health insurer’s retail and employer group segments had lower profit as it paid out more in claims than a year ago. But Humana said Monday, April 30, 2012 that its individual Medicare Advantage membership grew by 15 percent in the three-month period. Photo: Ed Reinke / AP
Source: seattlepi.com

eHealth, Inc. Announces First Quarter 2012 Results

EHEALTH, INC. CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (In thousands, unaudited) Three Months Ended March 31, —————————- 2011 2012 ————- ————- Operating activities Net income $ 1,981 $ 2,125 Adjustments to reconcile net income to net cash provided by operating activities: Deferred income taxes 1,777 367 Depreciation and amortization 669 576 Amortization of acquired intangible assets 427 447 Stock-based compensation expense 1,861 1,625 Excess tax benefits from stock-based compensation (1,089) (551) Deferred rent (9) (10) Loss on disposal of property and equipment 3 – Changes in operating assets and liabilities: Accounts receivable 5,477 1,815 Prepaid expenses and other current assets 307 405 Other assets (30) (139) Accounts payable (1,380) 842 Accrued compensation and benefits (2,183) (2,432) Accrued marketing expenses 105 (2,531) Deferred revenue (884) 1,275 Other current liabilities (257) 1,279 ————- ————- Net cash provided by operating activities 6,775 5,093 ————- ————- Investing activities Purchases of property and equipment (505) (203) Book of business transfers (765) (4,373) ————- ————- Net cash used in investing activities (1,270) (4,576) ————- ————- Financing activities Proceeds from exercise of common stock options 26 994 Cash used to net-share settle equity awards (542) (980) Excess tax benefits from stock-based compensation 1,089 551 Repurchases of common stock (3,796) (8,441) Principal payments in connection with capital lease (14) (6) ————- ————- Net cash used in financing activities (3,237) (7,882) ————- ————- Effect of exchange rate changes on cash and cash equivalents (8) (1) ————- ————- Net increase (decrease) in cash and cash equivalents 2,260 (7,366) Cash and cash equivalents at beginning of period 128,074 123,607 ————- ————- Cash and cash equivalents at end of period $ 130,334 $ 116,241 ============= ============= EHEALTH, INC. SUMMARY OF SELECTED METRICS (Unaudited) Three Months Three Months Ended March 31, Ended March 31, Key Metrics: 2011 2012 —————- —————– Operating cash flows (1) $ 6,775,000 $ 5,093,000 IFP submitted applications (2) 119,000 115,400 IFP approved members (3) 101,800 100,500 Total approved members (4) 141,000 151,800 Commission revenue (5) $ 30,760,000 $ 31,464,000 Commission revenue per estimated member for the period (6) $ 38.95 $ 37.82 Total revenue (7) $ 37,555,000 $ 37,075,000 Total revenue per estimated member for the period (8) $ 47.55 $ 44.56 As of As of March 31, 2011 March 31, 2012 ————— —————- IFP estimated membership (9) 693,400 686,800 Total estimated membership (10) 801,200 848,600 Three Months Three Months Ended March 31, Ended March 31, 2011 2012 —————- —————- Marketing and advertising expenses (11) $ 12,909,000 $ 12,987,000 Marketing and advertising expenses as a percentage of total revenue (12) 34% 35% Other Metrics: Source of IFP submitted applications (as a percentage of total IFP applications for the period): Direct (13) 43% 44% Marketing partners (14) 32% 33% Online advertising (15) 25% 23% —————- —————- Total 100% 100% ================ ================ Notes: (1) Net cash provided by operating activities for the period from the condensed consolidated statements of cash flows. (2) IFP applications submitted on eHealth’s website during the period. Applications are counted as submitted when the applicant completes the application, provides a method for payment and clicks the submit button on our website and submits the application to us. The applicant generally has additional actions to take before the application will be reviewed by the insurance carrier, such as providing additional information and providing an electronic signature. In addition, an applicant may submit more than one application. We include applications for IFP products for which we receive commissions as well as other forms of payment. We define our “IFP” offerings as major medical individual and family health insurance plans, which does not include small business, short-term major medical, stand-alone dental, life, student or Medicare-related health insurance plans. (3) New IFP members reported to eHealth as approved during the period. Some members that are approved by a carrier do not accept the approval and therefore do not become paying members. (4) New members for all products reported to eHealth as approved during the period. Some members that are approved by a carrier do not accept the approval and therefore do not become paying members. (5) Commission revenue (from all sources) recognized during the period from the condensed consolidated statements of income. (6) Calculated as commission revenue recognized during the period (see note (5) above) divided by average estimated membership for the period (calculated as beginning and ending estimated membership for all products for the period, divided by two). See our Form 10-K for the year ended December 31, 2011 – Item 7 – Management’s Discussion and Analysis of Financial Condition and Results of Operations – Summary of Selected Metrics for additional information regarding our calculation of estimated membership. (7) Total revenue (from all sources) recognized during the period from the condensed consolidated statements of income. (8) Calculated as total revenue recognized during the period (see note (7) above) divided by average estimated membership for the period (calculated as beginning and ending estimated membership for all products for the period, divided by two). See our Form 10-K for the year ended December 31, 2011 – Item 7 – Management’s Discussion and Analysis of Financial Condition and Results of Operations – Summary of Selected Metrics for additional information regarding our calculation of estimated membership. (9) Estimated number of members active on IFP insurance policies as of the date indicated. See our Form 10-K for the year ended December 31, 2011 – Item 7 – Management’s Discussion and Analysis of Financial Condition and Results of Operations – Summary of Selected Metrics for additional information regarding our calculation of estimated membership. (10 Estimated number of members active on all insurance policies as of the ) date indicated. See our Form 10-K for the year ended December 31, 2011 – Item 7 – Management’s Discussion and Analysis of Financial Condition and Results of Operations – Summary of Selected Metrics for additional information regarding our calculation of estimated membership. (11 Marketing and advertising expenses for the period from the condensed ) consolidated statements of income. (12 Calculated as marketing and advertising expenses for the period (see ) note (11) above) divided by total revenue for the period (see note (7) above). (13 Percentage of IFP submitted applications from applicants who came ) directly to the eHealth website through algorithmic search engine results or otherwise. See note (2) above for further information as to what constitutes a submitted application. (14 Percentage of IFP submitted applications from applicants sourced through) eHealth’s network of marketing partners. See note (2) above for further information as to what constitutes a submitted application. (15 Percentage of IFP submitted applications from applicants sourced through) paid search and other online advertising activities. See note (2) above for further information as to what constitutes a submitted application. EHEALTH, INC. GAAP TO NON-GAAP RECONCILIATION FOR THE THREE MONTHS ENDED MARCH 31, 2012 (In thousands, except per share amounts, unaudited) Statement of Income Reconciliation Three Months Ended March 31, 2012 ——————————————————— GAAP Non-GAAP Percent of Percent of GAAP Total Non-GAAP Total Reported Revenue Adjustments Results Revenue ———- ———- ———– ———- ———- Revenue: Commission $ 31,464 85% $ – $ 31,464 85% Other 5,611 15 – 5,611 15 ———- ———- ———– ———- ———- Total revenue 37,075 100 – 37,075 100 Operating costs and expenses: Cost of revenue 1,675 5 – 1,675 5 Marketing and advertising (1) 12,987 35 (240) 12,747 34 Customer care and enrollment (1) 5,971 16 (79) 5,892 16 Technology and content (1) 5,482 15 (333) 5,149 14 General and administrative (1) 6,604 18 (973) 5,631 15 Amortization of acquired intangible assets (2) 447 1 (447) – – ———- ———- ———– ———- ———- Total operating costs and expenses 33,166 89 (2,072) 31,094 84 ———- ———- ———– ———- ———- Income from operations 3,909 11 2,072 5,981 16 Interest and other income, net 21 0 – 21 0 ———- ———- ———– ———- ———- Income before provision for income taxes 3,930 11 2,072 6,002 16 Provision for income taxes (3) 1,805 5 734 2,539 7 ———- ———- ———– ———- ———- Net income (4) $ 2,125 6% $ 1,338 $ 3,463 9% ========== ========== =========== ========== ========== Net income per share: (4) Basic $ 0.11 $ 0.07 $ 0.18 Diluted $ 0.10 $ 0.07 $ 0.17 Weighted-average number of shares used in per share amounts: Basic 19,536 19,536 19,536 Diluted 20,449 20,449 20,449 Explanation of adjustments (1) Non-GAAP results exclude the effect of expensing stock-based compensation related to stock options and restricted stock units in accordance with FASB ASC Topic 718. (2) Non-GAAP results exclude intangible asset amortization expense. (3) Non-GAAP provision for income taxes excludes estimated income tax benefit of $0.7 million related to stock-based compensation expense listed in note (1) above and intangible asset amortization expense listed in note (2) above. (4) Non-GAAP net income and non-GAAP net income per share exclude stock- based compensation expense listed in note (1) above, intangible asset amortization expense listed in note (2) above, less the estimated income tax benefit listed in note (3) above. EHEALTH, INC. GAAP TO NON-GAAP RECONCILIATION FOR THE THREE MONTHS ENDED MARCH 31, 2011 (In thousands, except per share amounts, unaudited) Statement of Income Reconciliation Three Months Ended March 31, 2011 ——————————————————– GAAP Non-GAAP Percent Percent GAAP of Total Non-GAAP of Total Reported Revenue Adjustments Results Revenue ——— ——— ———— ——— ——— Revenue: Commission $ 30,760 82% $ – $ 30,760 82% Other 6,795 18 – 6,795 18 ——— ——— ———— ——— ——— Total revenue 37,555 100 – 37,555 100 Operating costs and expenses: Cost of revenue 2,651 7 – 2,651 7 Marketing and advertising (1) 12,909 34 (246) 12,663 34 Customer care and enrollment (1) 5,410 14 (107) 5,303 14 Technology and content (1) 5,470 15 (455) 5,015 13 General and administrative (1) 6,721 18 (1,053) 5,668 15 Amortization of acquired intangible assets (2) 427 1 (427) – – ——— ——— ———— ——— ——— Total operating costs and expenses 33,588 89 (2,288) 31,300 83 ——— ——— ———— ——— ——— Income from operations 3,967 11 2,288 6,255 17 Interest and other income (expense), net (19) (0) – (19) (0) ——— ——— ———— ——— ——— Income before provision for income taxes 3,948 11 2,288 6,236 17 Provision for income taxes (3) 1,967 5 595 2,562 7 ——— ——— ———— ——— ——— Net income (4) $ 1,981 5% $ 1,693 $ 3,674 10% ========= ========= ============ ========= ========= Net income per share: (4) Basic $ 0.09 $ 0.08 $ 0.17 Diluted $ 0.09 $ 0.08 $ 0.17 Weighted-average number of shares used in per share amounts: Basic 21,351 21,351 21,351 Diluted 22,052 22,052 22,052 Explanation of adjustments (1) Non-GAAP results exclude the effect of expensing stock-based compensation related to stock options and restricted stock units in accordance with FASB ASC Topic 718. (2) Non-GAAP results exclude intangible asset amortization expense. (3) Non-GAAP provision for income taxes excludes estimated income tax benefit of $0.6 million related to stock-based compensation expense listed in note (1) above and intangible asset amortization expense listed in note (2) above. (4) Non-GAAP net income and non-GAAP net income per share exclude stock- based compensation expense listed in note (1) above, intangible asset amortization expense listed in note (2) above, less the estimated income tax benefit listed in note (3) above. EHEALTH, INC. GAAP NET INCOME TO NON-GAAP EBITDA RECONCILIATION FOR THE THREE MONTHS ENDED MARCH 31, 2011 AND 2012 (In thousands, unaudited) EBITDA Reconciliation Three Months Ended March 31, ————————— 2011 2012 ————- ————- Net income $ 1,981 $ 2,125 Stock-based compensation expense (1) 1,861 1,625 Depreciation and amortization (2) 669 576 Amortization of acquired intangible assets (2) 427 447 Interest and other (income) expense, net (3) 19 (21) Provision for income taxes (4) 1,967 1,805 ————- ————- EBITDA $ 6,924 $ 6,557 ============= ============= Explanation of adjustments (1) Non-GAAP EBITDA excludes the effect of expensing stock-based compensation related to stock options and restricted stock units in accordance with FASB ASC Topic 718. (2) Non-GAAP EBITDA excludes depreciation and amortization expense, including intangible asset amortization expense. (3) Non-GAAP EBITDA excludes interest income and other income and expenses. (4) Non-GAAP EBITDA excludes income tax expense.
Source: virtual-strategy.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

United Healthcare AARP Medicare Complete Medicare Plans for 2011 « Insurance News from Crowe & Associates

The AARP Medicare Complete RPPO $0 premium plan will essentially stay the same for 2011. The plan still features $0 monthly premium and is set up in the same manner as last year. The Inpatient hospital copay has been changed to $320 a day for 5 days vs. $275 a day for 6 days last year. The Rx benefit copays have increases slightly to $6.00, $45.00 and $85.00. As a result, there should still be strong migration into this plan with the relatively small benefit changes.
Source: croweandassociates.com

Polyclinique et Maternité D'Ilafy

Medicare is a federal health insurance plan for people over 65 years old and some disabled people. It is the primary insurance carrier for old people and the disabled. On the other hand, blue cross is the secondary insurer that covers most of what the primary insurer fails to pay (BlueCross BlueShield Association, 2009). In its design, Medicare does not cover all health care costs which mean clients covered by Medicare are responsible for a high percentage of their health care costs. Medicare patients have to dig deep into their pockets in order to repay for some of healthcare cost.  It has been established that doctors often charge more for the services they deliver than what Medicare will pay and patients are left with a deficit to cover for medical services.  Comparing the medical cost between Medicare and Blue Cross, it is evident that in Blue cross, one pays 2 a month while in Medicare you pay ,156.80 per year.
Source: polyclinique-ilafy.com

Turning Medicare Into Obamacare

This is similar to Obamacare in a lot of ways. In fact, the entire Wyden-Ryan plan goes a long way toward making Medicare similar to Obamacare. Basically, Obamacare moves our current private insurance system in the direction of government support with competitive bidding, while Wyden-Ryan moves our current federal Medicare system in the direction of private support with competitive bidding. Somewhere in the middle they meet, and our entire healthcare system becomes a fairly homogeneous blend of public and private, similar in some ways to the systems in Switzerland or the Netherlands. Yuval Levin makes this point explicitly here, and as a conservative he’s not especially happy that this is where we could end up. But done right, it wouldn’t necessarily be a bad place to be.
Source: motherjones.com

Medicare Changes For 2011

Medicare Supplemental Insurance Plans K and L are similar to Plans A through J but have lower monthly premiums for higher out of pocket costs. All these plans are standardized by Medicare, which shows the equality among all the insurance companies in offering the services. Medicare Supplement Plan F will remain as the preferable choice, but Medicare Supplement Plan N can also be a great option for people who like Medicare Advantage plans and are in good health. Plan N brand new as of June 1, 2010 and will likely be very popular in 2011 as thousands of people are expected to make a shift from the Medicare advantage program back to original Medicare. Find a company that specializes in Medicare plans to help you with these questions like Medicare insurance Phoenix. A broker is usually the best bet since they can sort down information for all of the companies and you can compare all insurance from one source. It sure to save your time and beats the alternative of contacting each individual company one at a time.
Source: ezinemark.com

Annual Enrollment Starts October 15 and Ends December 7 for Medicare Part C & Part D Plans  

Note that there are additional enrollment periods available when someone first becomes eligible for a Medicare Advantage plan and a Part D plan.  These periods are known as the Initial Coverage Election Period (ICEP) for MA plans (see, e.g., §30.2, Chapter 2 of the Medicare Managed Care Manual), and the Initial Enrollment Period (IEP) for Part D (see, e.g., §30.1, Chapter 3 of the Medicare Prescription Drug Manual).  There are also separate enrollment periods relating to enrolling in Part B of Medicare, including the Part B Initial Enrollment Period (IEP), General Enrollment Period (GEP) and Special Enrollment Period (SEP) (see, generally, Chapter 2 of the Medicare General Information, Eligibility and Entitlement Manual (CMS Pub 100-01) at:
Source: medicareadvocacy.org

Designing a Long Term Care Insurance Policy

Posted by:  :  Category: Medicare

Press Conference on Benefits of Health Insurance Reform to Seniors by Leader Nancy PelosiAt the end of that period, you’ll start spending down your own resources, and those of your family. When those are exhausted, except for some exempt assets such as a limited amount of home equity and a bare minimum for a spouse, you will become a Medicaid patient. After you pass on, the state’s Medicaid Estate Recovery Program will seize your assets until the taxpayer has been reimbursed for any benefits paid on your behalf. To protect your assets, you may want to investigate your state’s Long Term Care Partnership Program. Generally, if you buy long term care benefits at least equal to your assets, the state will allow you to keep that amount of assets and still let you qualify for Medicaid once your long term care insurance benefits are exhausted. If you have a house or other assets you want to pass on to your children, this can be a key element in your overall estate plan.
Source: longtermcareinsuranceinfo.com

Video: Medicare and the Federal Employees Health Benefits (FEHB) Program

Medicare will cut Social Security’s “raise” in : asics news

But the good COLA news aspiration come with a nasty kicker. Many seniors aspiration see a substantial part of the COLA consumed onward a higher premium as Medicare Part B medic visits and outpatient services),Oakley Sunglass, which commonly is discounted from Social Security payments. The?situation sheds light aboard the complicated interaction of Social Security COLAs and Medicare premiums — and it underscores the fussy importance of the shortage deliberations aboard possible cuts apt hereafter COLAs.
Source: enterprisebusinessexperts.biz

Tricare Help – If surgery is covered, why did the hospital send a bill?

15 percent age appeal catastrophic cap child born out of wedlock claims continued care cost share death DEERS dental dependent disabled divorce doctor doctors FEHBP handbook health care reform hospital ID card marriage maternity care Medicare military treatment facilities other health insurance outside the U.S. parents Part A Part B pharmacy pre-existing condition pregnancy reserves secondary insurance social security spouse supplements surgery Tricare For Life Tricare Prime Tricare Standard Tricare Young Adult Program VA widow
Source: militarytimes.com

The benefits of Humana Medicare

This company offers so many health services to the clients at affordable prices. Since they are many, the clients have the freedom to choose what suits them. For instance, the Humana Medicare plan has a large network of doctors and medical practitioners who offer their services to clients at predictable costs that can fit the budget. The Humana Medicare prescription drugs plan offers the clients with advice and thus helps them to save a lot of money.
Source: comicwci.com

Kodak Withdraws Plan To End Health Benefits For Medicare

The Associated Press: Kodak Proposes Bonuses, Withdraws Benefits Cut Eastman Kodak Co. is seeking permission to pay about 300 executives and other employees a total of $13.5 million in bonuses to persuade them to stay with the company as it reorganizes under bankruptcy protection. … Also this week, Kodak told retirees it has withdrawn for now its motion to end supplemental health care benefits for about 16,000 Medicare-eligible retirees. The company will instead create a retirees committee to examine the issues of medical and survivor benefits (Thompson, 4/6).
Source: kaiserhealthnews.org

Nothing found for %3Fp%3D505

At Mortgage Solutions, we work on getting you qualified. There are many mortgage lenders, which are offering free HARP refinances, but they aren’t looking out for you. For them, you’re just a quota to be filled. At Mortgage Solutions, we genuinely care about you, and are very interested in not only securing you a loan, but securing you the right and proper loan. We will make sure you get the loan that fits your financial situation. We have partnerships in place with many different banking institutions, and independant authorities, that not only keep all parties involved honest, but also makes it so that you – the consumer, are protected. Take your business to an entity which is an honest, old fashioned American business that relies on honest ethics focused on you.
Source: mortgagepaymentcalculator.pro

Medicare Faces Unfunded Liability of $38.6T, or $328,404 for Each U.S. Household

The unfunded liability is the amount that has been promised in benefits to people now alive that will not be funded by the tax revenue the system is expected to take in to pay for those benefits. (The Medicare Trustees calculate the unfunded liability for a period of 75 years into the future.)
Source: rockwallgop.com

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

Some Medicare beneficiaries with employer

If healthcare reform is in, the Retiree Drug Subsidy may be out Under the Medicare Prescription Drug, Improvement, and Modernization Act of 2003 (MMA), employers that sponsor group health plans with drug benefits to retirees can receive a subsidy equal to 28 percent of covered prescription drug costs for their retirees. The MMA established this subsidy, called the Retiree Drug Subsidy, or RDS, to encourage employers to continue offering prescription drug benefits to their retirees rather than require them to get their benefits through Medicare.
Source: themeddiva.com

Visions From The Horizon: $400,000 Debt Per Household to Cover Medicare/Social Security

Medicare Faces Unfunded Liability of $38.6T, or $328,404 for Each U.S. Household By Christopher Goins – April 23, 2012 Medicare faces an unfunded liability of $38.6 trillion, according to the Medicare Trustees report released Monday.   The unfunded liability is the amount that has been promised in benefits to people now alive that will not be funded by the tax revenue the system is expected to take in to pay for those benefits. (The Medicare Trustees calculate the unfunded liability for a period of 75 years into the future.)   The $38.6 trillion in unfunded benefits Medicare is expected to pay over the next 75 years equals $328,404.43 for each of the 117,538,000 households the Census Bureau said there were in the United States in 2010.   “From the 75-year budget perspective, the present value of the additional resources that would be necessary to meet projected expenditures, at current-law levels for the three programs combined, is $38.6 trillion,” reads the report.   “To put this very large figure in perspective, it would represent 4.3 percent of the present value of projected GDP over the same period ($907 trillion),” states the Trustees report.   The extra money needed to fund the unfunded liabilities would have to come from something other than payroll taxes, benefit taxes, and premium payments scheduled under current law.   The report also says that there is “a significant likelihood” that the “projected HI and SMI expenditures are substantially understated as a result of potentially impracticable elements of current law.” http://cnsnews.com/news/article/medicare-faces-unfunded-liability-386t-or-328404-each-us-household Social Security Faces Unfunded Liability of $8.6T, or $73,167.83 Per Household By Christopher Goins – April 24, 2012 Social Security faces an unfunded liability of $8.6 trillion, according to the 2012 Annual Report of the Board of Trustees of the Federal Old-Age and Survivors Insurance and Federal Disability Insurance Trust Funds. The unfunded liability is the amount that has been promised in benefits to people now alive that will not be funded by the tax revenue the system is expected to take in to pay for those benefits. (The Social Security trustees calculate the unfunded liability for a period of 75 years into the future, from 2012 to 2086) The $8.6 trillion in unfunded benefits Social Security is expected to pay over the next 75 years equals $73,167.83 for each of the 117,538,000 households the Census Bureau said were in the United States in 2010. However, the report also shows that when considering the unfunded obligations over an “infinite horizon”—the period extending into the indefinite future—the $8.6 trillion shortfall balloons to $20.5 trillion. “Extending the horizon beyond 75 years increases the measured unfunded obligation,” the report said. “Through the infinite horizon, the unfunded obligation, or shortfall, equals $20.5 trillion in present value, which represents 3.9 percent of future taxable payroll or 1.3 percent of future GDP,” reads the report. The report adds that the 2012 estimate for unfunded obligations over the infinite horizon has increased from the $17.9 trillion in the 2011 report. http://cnsnews.com/news/article/social-security-faces-unfunded-liability-86t-or-7316783-household
Source: blogspot.com

Los Angeles County Medicare Supplement Rates

Posted by:  :  Category: Medicare

Charity Hospital, in disuse...at nite..all blurry..but kinda cool.. by JustUptownLos Angeles County Cities: Agoura Hills, Alhambra, Arcadia, Artesia, Avalon, Azuza, Baldwin Park, Bell, Bell Gardens, Bellflower, Belmont Heights, Beverly Hills, Bradbury, Burbank, Calabasas, Carson, Cerritos, Claremont, Commerce, Compton, Covina, Cudahy, Culver City, Diamond Bar, Downey, Duarte, El Monte, El Segundo, Gardena, Glendale, Glendora, Hawaiian Gardens, Hawthorne, Hermosa Beach, Hidden Hills, Hollywood, Huntington Park, Industry, Inglewood, Irwindale, La Canada, La Habra, La Mirada, La Puente, La Verne, Lakewood, Lancaster, Lawndale, Lomita, Long Beach, Los Angeles, Lynwood, Malibu, Manhattan Beach, Maywood, Monrovia, Montebello, Monterey Park, Norwalk, Palmdale, Palos Verdes, Paramount, Pasadena, Pico Rivera, Pomona, Rancho Palos Verdes, Redondo Beach, Rolling Hills, Rosemead, San Dimas, San Fernando, San Gabriel, San Marino, San Pedro, Santa Clarita, Santa Fe Springs, Santa Monica, Sierra Madre, Signal Hill, South Gate, South Pasadena, Temple CIty, Torrance, Venice, Walnut, West Covina, West Hollywood, Westlake Village, Whittier.
Source: johnconner.com

Video: Los Angeles: Medicare Fraud Summit Law Enforcement Panel

Amazing stories of Obamacare

Anticipating a senior revolt, the administration took action. It ran millions of dollars’ worth of taxpayer-funded TV ads featuring Andy Griffith saying things like, “That new health care law sure sounds good for all of us on Medicare!” It mailed out full-color, taxpayer-funded propaganda brochures singing the same tune. It repeatedly claimed (and continues to claim) that money taken out of Medicare to fund Obamacare would—magically—also stay in Medicare and be used to extend its solvency.
Source: powerlineblog.com

About Health Transparency

The Centers for Medicare & Medicaid Services (CMS) issued a proposed rule that would update Medicare payment policies and rates for inpatient stays to general acute care hospitals paid under the Inpatient Prospective Payment System (IPPS) and long-term care hospitals (LTCHs) paid under the LTCH Prospective Payment System (PPS).   The proposed rule would strengthen the Hospital Value-Based Purchasing Program (VBP Program) to further Medicare’s transformation from a system that rewards volume of service to one that rewards efficient, high-quality care.  This program, which was required by the Affordable Care Act, will adjust hospital payments beginning in FY 2013 and annually thereafter based on how well they perform or improve their performance on a set of quality measures.   Specifically, CMS is proposing to add the Medicare spending per beneficiary measure to the Hospital VBP Program, which would affect payments beginning in FY 2015.  This measure would include all Part A and Part B payments (after removing differences attributable to geographic payment adjustments and other payment factors) from three days prior to an inpatient hospital admission through 30 days post discharge with certain exclusions.  The proposed measure would be risk-adjusted for the beneficiary’s age and severity of illness.   The proposed rule also includes a new outcome measure that rewards hospitals for avoiding certain kinds of life-threatening blood infections that can develop during inpatient hospital stays. This measure, the central line-associated bloodstream infection measure, supports ongoing work by CMS and other hospital safety leaders to reduce healthcare-associated infections through the Partnership for Patients initiative.
Source: ipro.org

#11843 (Utilizing Your Medicare Prescription Drug Coverage)

Curso de animacion

If your pharmacist is having difficulty confirming what plan you’re in or whether you also get Medicaid, he can also call a special toll-free of charge number that Medicare set up for pharmacists to get support. Men and women with Medicare who also get Medicaid should be in a position to get their prescriptions filled with minimal copayments and no deductibles.
Source: atzibala.com

Medicare Pays for Obesity: A Webinar and Cheat Sheet

belly fat Cancer chef clinic chefmd childhood obesity Child Obesity cholesterol cooking corporate wellness culinary medicine diabetes diet EPA flu food food as medicine food revolution gluten health reform heart disease immunity kids kids diet kids food la puma lifestyle medication michelle obama new york times nutrition obesity omega-3 overweight parents patient stories prevention santa barbara school meals speaking stress supplements weight loss wellness wine wsj
Source: drjohnlapuma.com

Los estadounidenses respaldan la reforma en Medicare, pero no con su dinero, según una encuesta

En una conferencia de prensa el viernes para desvelar las recomendaciones para la reforma de Medicare, el Colegio Americano de Médicos (American College of Physicians, ACP) dijo que no podía apoyar el plan de "respaldo de prima" sin hacer una prueba piloto y unas protecciones fuertes para los beneficiarios. Sin embargo, el colegio dijo que sí respalda las políticas para mejorar la administración de la atención, reducir el costo del gobierno por los medicamentos recetados y pagar a los proveedores según el valor de los servicios provistos.
Source: repartodesalud.com

AARP Medicare Supplement Plans (2012 Rates, Summaries and Application) « Insurance News from Crowe & Associates

Posted by:  :  Category: Medicare

DAMN!! -- I THINK WE'RE F*%KED by SS&SSPlan K supplement- Plan K was brought into the market overpriced but is now worth taking a look at after 2 years of rate reductions.   This plan offers a much lower premium but leaves much more potential for out of pocket cost vs. Plan F and N.   Those seriously considering a plan K would likely be better suited to choose the Anthem BlueCross BlueShield Plan F High Deductible Supplement with a monthly premium of about $35.00 a month at this point
Source: croweandassociates.com

Video: Medicare Supplement Plan F – Does It Include A Gym Membership?

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: blog-revenue-tips.com

Michigan Insurance News & Tips: Michigan High Deductible Plan F Medicare Supplement Plan

Within the Medicare market, I am shocked to see how many Seniors do not know about the Medicare Supplement Plan F high deductible. Across the market, Plan F and Plan G are the most popular, and obviously with a higher price tag.  Those two plans have low out of pocket costs for Seniors, and give great comfort to the buyer in them knowing that complete coverage is in the place. Over the last few years however, we have seen a lot of consumers ask about the Michigan high deductible plan F.  In a sense being Plan F (remember plan F is complete coverage from day 1), with a deductible of $2070.00 before the plan kicks in.  One would admit that it is a high deductible, but take in consideration the price.  An “aging in” Senior turning 65 can find a high deductible plan F for around $45.00 a month.  Regular Michigan Plan F Medicare supplement plans for an “aging in” can be found for right around $140.00 a month. Again, the High F plan is booming.  Seniors are finding that their Medicare advantage plans have out of pocket costs of over $3500 and so.  They are asking about the plan.  Other seniors are just asking. Contact us today to learn more.
Source: blogspot.com

Plan G More Cost Effective Option than Plan F // Medicare Producers

Traditionally, Medicare Supplement Plan “F” has been the more popular option for seniors in the market for insurance.  It’s an easy to sell all-inclusive product that allows a Medicare-eligible beneficiary to have coverage for the healthcare costs Medicare doesn’t cover.  The Medicare Modernization Act of 2010 has made Medicare Supplement Plan “G” an attractive option for seniors.  In the past Plan “G” did not cover the Part B Deductible (lowered to $140 in 2012) and only covered 80% of the Part B Excess charges.  However, now Plan “G” covers 100% of the Part B Excess charges just like a Plan “F” does.  Now the only difference between the plans is the Part B Deductible.
Source: medicareproducers.com

American Continental Insurance

There are tons of insurance carriers to select from when searching for a 2012 Medicare insurance plan, advantage plans for 2012 or Medicare plan F yet not a lot of of them can rival what American Continental Insurance has to offer – it provides range while providing maximum service which might be perfect for many senior citizens. American Continental Insurance Company (ACI) is based in Brentwood, Tennessee (outside of Nashville). It was founded in 2005 on a solid foundation of experience in the health/life insurance industry as well as senior market – from Continental Life Insurance Company of Brentwood, Tennessee. Just a couple of months ago in May of 2011, ACI became a part of the Aetna insurance company, becoming a part of among the main insurers in the country.
Source: articledirectorycentral.com

Medicare Supplement Plan F – Coverage Details & Affordability

When looking into Medicare, the plans can seem complicated and complex. Medicare is health care insurance sponsored by the federal government and is made up of two components, part A and part B. Part A cover hospital care, such as hospitalization, Hospice, and home health care. Part B covers all medical expenses, doctor services, and outpatient care.  Supplemental insurance is purchased to cover the gaps between what original Medicare pays and the amount doctors and hospitals actually charge for their services.
Source: ezinemark.com

FIELD SALES MANAGERS – SALES PROFESSIONALS

Posted by:  :  Category: Medicare

Sterling Insurance is expanding its team of top producing dedicated Field Sales Managers and Sales Professionals to leverage their leadership skills and sales experience. Management positions are available immediately with insurance experience. All other promotions are based on merit not tenure. Our Field Sales Managers and Sales Professionals market a portfolio of plans to cover virtually all the health, life and supplemental insurance needs of Seniors nationwide. Our managers have the opportunity to build their team of Sales Professionals to grow their incomes while our successful Sales Professionals will have an opportunity for advancement into management positions with the support and training of Sterling. This opportunity is the Right Choice for you, your clients and your future.
Source: careers.org

Video: Sterling Stairlift

Pete Sessions: Obamacare Has Cost Medicare Budget $500 Billion

“We have to find a way to make Medicare work to avoid its bankruptcy,” added Sessions. “Future beneficiaries will have to look at not only making a contribution, but would have a defined process just like an insurance plan, that would tell you what your responsibilities were, but more importantly what the government would pay for.”
Source: rockwallgop.com

Earnings: Sterling Financial Corp.

Quick links:  Summer camp guide  •  Jobs: The Road Ahead  •  Bloomsday memories  •  Prep sports  •  News quiz
Source: spokesman.com

Insurance Insider News March 21 – Employers Don’t Plan to Reduce Benefits

But, when it comes to employers and employers, there is a disconnect about what benefits are valuable. While 66% of the employees say that offering health benefits is an important way to drive their loyalty, only 57% of employers believed so. The divide widens when it comes to retirement and non-medical benefits. For instance, 59% of employees said retirement benefits are very important in influencing loyalty toward their employer, but only 42% of employers realized this. Fifty-one percent of employees said the same for non-medical benefits like dental, disability, and life insurance, while only 32% of employers thought so.  Sixty-two percent of employers agree that employee-paid benefits will become a more important strategy in the next five years. The survey also revealed that, compared to Baby Boomers, younger workers are more concerned about having a secure retirement.
Source: calbrokermag.com

Medicare Program Exclusion Can have Devastating and Far

Posted by:  :  Category: Medicare

bag & contents - Stolen by quadrapopFew health care practitioners really understand the significance that being excluded from the Medicare Program may have.  Exclusion usually occurs as a direct result of disciplinary action being taken by the state board of medicine, board of nursing, board of psychology, board of pharmacy or other health care licensing entity.  If revocation, suspension, restriction or limitation of a license occurs, this is reported to the National Practitioner Data Bank (NPDB).  What few understand is that if the licensed individual or business entity voluntarily surrenders the license after charges have been filed or an investigation has been opened, this is treated the same as a disciplinary revocation and is reported out to the NPDB the same way.  This occurs, even if the professional has similar valid licenses in other states or a different type of license.
Source: thehealthlawfirm.com

Video: Medicine Dish: Medicare Part D and Program Updates

Vocation Choices for Radiologists

In the 2009 MFPFS, CMS finalized its earlier proposal by necessitating mobile IDTFs to enroll and statement Medicare immediately for the provision of TC products and services. Even so, CMS does not involve mobile screening entities to statement immediately for their products and services when this sort of products and services are furnished under preparations with hospitals. This closing rule prohibits several frequent preparations in which mobile entities lease diagnostic screening gear and technicians to physicians who conduct and statement for this sort of exams in their offices. To summarize, powerful January 1, 2009, all mobile entities furnishing diagnostic screening products and services will have to enroll in the Medicare software and statement immediately for the products and services, until they are billing under preparations with a hospital.
Source: moviescritic.com

Interagency fight against Medicare fraud shows promise

Kathleen King, director of health care for the Government Accountability Office, said, “although CMS has taken some important steps to identify and prevent fraud . . . more remains to be done to prevent making erroneous Medicare payments due to fraud. In particular, we have found that CMS could do more to strengthen provider enrollment screening to avoid enrolling those intent on committing fraud, improve pre- and post-payment claims review to identify and respond to patterns of suspicious billing activity more effectively, and identify and address vulnerabilities to reduce the ease with which fraudulent entities can obtain improper payments.”
Source: govexec.com

Medicare providers urged to enroll in online system to fight fraud

Medicare issued $47 billion in improper payments in 2009, which accounted for about 43 percent of the $110 billion the government wrongfully disbursed that year, Daniel Werfel, controller for the Office of Management and Budget, told a Senate panel on Tuesday. Complicating matters for CMS, the stimulus package calls for the agency to start cutting bonus checks up to $44,000 over five years to Medicare health care providers that install an electronic health records system. CMS said it will rely on PECOS to verify Medicare eligibility.
Source: nextgov.com

Risk Adjustment Analytics Software

The importance of risk adjustment analytics and solutions is to focus on each individual patient, and properly assess their overall risks, and factors that can contribute to an accurate estimation of yearly costs. Much of the possible improvement within this area can be attributed to the need to create higher and more capable software to assist with calculations of overall risk. There are a number of different programs currently available to help providers and health insurance plans better anticipate the needs of their members.
Source: selling-medicare-supplements.com

Clinical Support Services, Inc. Software Boosts Medicare Star Ratings

About CSS: Founded in 1999 by pharmacists and technologists, CSS is staffed by experienced clinicians, software developers and operations personnel. At the heart is Medication PathfinderTM built in S-O-A-P (Subjective-Objective-Assessment-Plan) Note structure to help pharmacists move quickly through complex patient Medication Therapy Management (MTM) assessment procedures. Structured data storage is a main differentiating feature of the MTMPath system. Additional CSS software solutions include iDeal TherapyTM and TMR BoosterTM. Currently, more than 20 percent of the 5-star Medicare MA-PDP plans are CSS clients CSS for MTM program support/documentation.
Source: cssrzr.com