Massachusetts Health Stats: Two Key Questions about “Medicare As We Know It”

Posted by:  :  Category: Medicare

Drug questions by Ano Lobb. @healthyrxAn as-needed look at statistics about the Massachusetts healthcare delivery and insurance market and industry. This blog overcomes the attempts from those on both the left and right of the political spectrum to use statistics to impose needless changes on one of the best healthcare systems in the world.
Source: typepad.com

Video: Allen West – Nicole Sandler Medicare question

Medicare In An Election Year

For example, the budget authored by Representative Paul Ryan and recently approved by the House of Representatives would convert Medicare into a voucher system, under which beneficiaries would receive a defined contribution from the government to buy health coverage. The House budget would cap the amount of Medicare spending at a rate that would not reflect actual increases in the cost of health care overall. As a result, over time, the voucher would be insufficient to purchase health coverage as good as that which Medicare currently provides to beneficiaries.
Source: ma4web.org

The Fight over Medicare Double Counting

Why does this dispute exist? It can’t just be politics. If it were, we’d have double-counting disputes about every program. But we don’t. We thus need an explanation for why this debate has erupted around Medicare Part A, which provides hospital insurance, but not around other programs. Part A is not unique in controlling spending by a “belt and suspenders” combination of regular program rules (the “belt”) and an overall limit (the “suspenders”). Such budgeting also applies to Social Security, Medicare Parts B and D (which cover physician visits and prescription drugs), and the National Flood Insurance Program. The federal debt limit acts as “suspenders” for the entire budget. But none of those give rise to double-counting disputes.
Source: wallstreetpit.com

The Ryan Plan And The Medicare Debate: The Crucial Questions

What level of savings can be reasonably achieved in the Medicare program without compromising beneficiaries’ access to quality care, and how should these savings be realized?  Both sides of the political aisle agree that deficit reduction needs to occur.  Representative Ryan’s prior effort was largely criticized for the depth of the cuts proposed in Medicare.  But this year, his plan trims savings close to the level proposed in President Obama’s budget.  Ryan’s Fiscal Year (FY) 2013 budget proposal projected 6.4 trillion in Medicare outlays over FY2013-FY2022 – approximately $200 billion below the levels in the President’s FY2013 budget proposal.  This emerging consensus on the level of cuts is significant politically as it will serve as a new benchmark in the discussion.
Source: healthaffairs.org

Questions That You Should Ask Before Buying Your Medicare Supplemental Plans

This is a very crucial question that you should never fail to ask. Only when you establish the fact that going for your Medicare supplemental insurance will bring monetary benefits you should sign up for your Medigap policy. This will depend totally on your specific medical conditions and needs. So always take your specific needs and preferences in to consideration before you make your decision in this regard. You must remember that the Medigap premium will have to be paid in addition to your regular Medicare premium so you need to make sure that you can afford a particular Medigap policy without subjecting yourself to unnecessary financial burden. Ultimately, your choices should have sound financial benefits to your overall healthcare bills.
Source: medicarequotefinderblog.com

Medicare Spotlights Hospitals With Especially Costly Patients

The Medicare data indicated big spending differences in areas of the country that have not generally been thought of as high users of Medicare services. In Kansas City, Mo., the average patient admitted to St. Joseph Medical Center cost Medicare $19,247 during a stay and in the month afterward, 7 percent above the national median. Fifteen miles away, according to the data, an essentially similar patient admitted to Truman Medical Center-Lakewood cost Medicare $15,290, or 15 percent below the national median. The owner of St. Joseph, Corondelet Health, which is part of the nation’s largest Catholic nonprofit system, Ascension Health, declined to comment. Truman said in a written statement: “It is important that there be a comprehensive analysis of this data and its variables before final reimbursement conclusions are reached.”
Source: kaiserhealthnews.org

Key Questions About Allergies

In the allergic reaction, the immune system responds to allergens by producing a highly specific antibody called immunoglobulin E (IgE). While all of the antibody IgE, a person is allergic Who was overwhelming. When IgE antibodies attack the allergens, they trigger the mast cells, or the defense of white blood cells to release histamine and other chemicals to produce the symptoms of allergic inflammation: swelling, production, mucous itching, skin rash, rash or other symptoms, depending on the type and location allergy.
Source: medicare-medicaid.info

SHIIP offers guidance on the ins, outs of Medicare

First, she said, individuals will be asked to determine whether to enroll in Medicare Part A and Part B? If individuals determine with Social Security that the answer to that question is yes, then they will have to determine how they want to get their Medicare coverage – through traditional Medicare or a Medicare Advantage plan. Next, individuals will have to determine if they will enroll in Medicare Part D for prescription drug coverage. Finally, individuals will have to determine if they have some type of supplemental coverage which will cover costs not paid by Medicare.
Source: newtonindependent.com

Knowing When Mom Needs Care

UnitedHealthcare Medicare Solutions provides health and well-being solutions that help Medicare beneficiaries live healthier and more secure lives. We offer an array of products and services such as Medicare Advantage plans, Medicare supplement plans, Part D prescription drug plans, employer retiree health services, and care coordination programs. Many of our products carry the AARP name.
Source: sharecare.com

WPS Message for Indiana and Michigan ProvidersHall Render

Wisconsin Physicians Service (WPS) will soon begin to serve as the Medicare Administrative Contractor (MAC) for Jurisdiction 8, which includes the states of Indiana and Michigan.  According to listserve communications, Indiana Part A providers and Michigan Part A providers will transition to WPS effective July 23, 2012.  Indiana Part B suppliers will transition to WPS effective August 20, 2012.  WPS is currently the Part B contractor for Michigan suppliers. 
Source: hallrender.com

When to buy Texas Medigap Insurance

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TWO YEARS OF RUIN by SS&SSAnother time you can buy Medigap insurance is if you have a “guaranteed issue right”. What does this mean and does it apply to you? Generally, if you lose certain types of health care coverage, you are given 63 days after your coverage ends to purchase Medigap insurance. This is called a guaranteed issue right. However, be prepared to provide proof that shows you lost your health care coverage. And for people over 65, the guaranteed issue right only applies to plans A, B, C, F, K and L, meaning you will only have the right at this time to buy one of these six plans.
Source: medicareinsurancetexas.com

Video: Health Insurance Information : What Is Medicare Part B?

Should I keep my government insurance and Medicare Part B?

I am a retired federal employee. As such, I have health insurance through the Federal Employees Health Plan. Since I am over 65, I also have Medicare Part B, for which I also pay a premium. Medicare Part B is my primary and the insurance provided by the U.S. government is secondary. Which would be more advantageous: keeping both insurance plans, or dropping the Medicare Part B? — Allan, Knoxville, Tenn.
Source: cnn.com

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

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

latest news: Medicare and Service

If you choose to use VA benefits, you must go to a VA facility. You cannot use your Medicare card at a VA facility. To use your Medicare benefits, you must go to doctors and facilities that accept Medicare. You will be responsible for paying all Medicare premiums, deductibles and co-insurance. Keep in mind, that if you have other private health insurance, the VA is required by law to bill private health insurance carriers for services provided for non-service-connected conditions.
Source: blogspot.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

Medicare Special Needs Plans

Like the name says, a Medicare Special Needs Plans is a unique type of Medicare Advantage Plan (Part C) designed to provide specialized care for patients suffering from specifically listed terminal or chronic illness, including chronic alcohol and drug dependence. Although it is possible that other illnesses will be considered under a particular plan, these special needs conditions typically include autoimmune disorders, cancer (does not include pre-cancer conditions, chronic heart failure, cardiovascular disorders, dementia, diabetes mellitus, end-stage liver and renal disease, severe hematologic disorders, HIV/AIDS, chronic lung disorders, chronic disabling mental conditions, neurological disorders, and stroke. Because all of the services are provided under the umbrella of one plan, coordination of all of your health care needs is much more simplified.
Source: mostmedicare.com

Fill the Gap of Medicare Part A and Part B

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

Earnings Restrictions for Those Receiving Social Security Disability Benefits

Trial work period-The trial work period allows you to test your ability to work for at least nine months. During your trial work period, you will receive your full Social Security benefits regardless of how much you are earning as long as you report your work activity and you continue to have a disabling impairment. In 2012, a trial work month is any month in which your total earnings are over $720, or if you are self-employed, you earn more than $720 (after expenses) or work more than 80 hours in your own business. The trial work period continues until you have worked nine months within a 60-month period.
Source: gettinghired.com

Insurance Coverage of Medicare

Regardless how anybody looks in this particular, improved longevity nevertheless needs a price on the entire body. This consists of making a top of the possibilities associated with heart stroke, myocardial infarction, malignancy, and a lot of some other severe conditions. Because of the fact Medicare insurance only will pay 80% from the captured fee routine for medical care, buying a acceptable medical care might be nicely from your achieve in the event you there is no need Medicare insurance supplemental applications to again a person upward. Really even though you have any health issues, or even understand ailments with an desire to work within your family members, acquiring Medicare additional insurance might easily present you with reassurance while you do not need to make use of the insurance policy instantly.
Source: healthmarch.org

Information About Medicare Supplements To Close The Knowledge Gap

This may seem to be enough coverage to handle all of the medical costs that come to those over sixty-five but in reality it is not.  However without Medigap coverage the gaps left are shocking.  With Part A the deductible is paid out of pocket and will need to be covered again after sixty days if you should be admitted into the hospital again within that time.  Medigap Supplemental plans can be obtained to cover that expense as well as the co-insurance of the hospital and skilled nursing facility which is also not covered by traditional Medicare.  With Medicare Part B an annual deductible is applied and costs of twenty percent of all doctors bills if a Medicare Supplemental Plan is not purchased.
Source: bloominglotuscoaching.com

Some Differences Among Medicare Part B and Medigap

Medicare Part A provides for inpatient medical center care, covering up 90 days per profit period and 60 reserve days for the lifetime, as well as one hundred days per profit within a skilled breastfeeding facility for proper care. To qualify for the skilled breastfeeding facility care, however, you must have stayed on the hospital for three sequential days within 30 days prior to admission to the ability. Hospice care can also be provided if you are confirmed to be terminally ill by your physician. Home health care is covered within Medicare Part A for 100 times, with the same stipulation that you have stayed in the medical center for three days, these kinds of being within 2 weeks prior to receiving proper care and being homebound. Medicare Part B deals with numerous outpatient doctor solutions. These include regular visits to the doctor as well as some preventive services, durable healthcare equipment, ambulance solutions for emergency travel, and x-rays and tests. It also includes outpatient physical, talk, and occupational therapy services as well as other home health solutions.
Source: autoinsurancegeorgia.net

Find The Health Insurance Plan Of Your Dreams With These Tips

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TTT #5... 259365 by paloeticHi there, My name is Jennifer or Jenn as all of my friends call me, so please call me Jenn. :) I have a one big passion. And that is writing about a wide variety of health topics. It is what I like most and what I do for a living. Like all other publishers here I am very happy to provide my work to the quality Articles fair stands for. Hopefully you like my writing and find reading my topics as intriguing as I do writing about them. Thanks. Jenn.
Source: articlesfair.com

Video: High-Deductible Plans ‘Quiet Revolution in Health Insurance’

Moving to Canada: Getting temporary medical insurance

Other things to consider before purchasing temporary health insurance include exclusions in the policies. “Some policies will exclude people who are being paid to perform sports. There are specific exclusions in many policies relating to sports and other activities, so they should ensure that if they are coming here to participate, they are covered in their policies,” tells Walker. It is also important to see whether there is a deductible. Sometimes insurance companies give coverage for cheaper, but then there is a deductible. Some companies also do not cover people traveling with a pre-existing condition. And most importantly, before customers purchase a policy, they should search around to see if it’s the right and affordable policy for them. For visitors coming to Canada, it is highly recommended to get a medical insurance plan in case of an illness or an accident. Coming without a medical plan means having to spend a lot of money and last minute worries. The greatest wealth is health and it’s important to take any precautions to take care of it; temporary health insurance is just one way to go about it.
Source: canadianimmigrant.ca

Take into consideration Tragic Health Insurance Plans

Almost all truck drivers must have some type of health insurance, however some do not. Cost is the primary aspect which prevents many truckers from having health insurance. The cost of insurance may be kept down if the workplace provides insurance due to the drivers. Nearly all truck drivers that work well for significant trucking companies are able to get insurance at affordable class rates from the various plans offered by the companies they help. This is less expensive than getting individual procedures and is essentially the most economical way for these owners to obtain health insurance.
Source: at1pc.com

The Right Insurance and a Good Lawyer

Referrals are one of the best means of finding a qualified attorney. Friends and relatives who may have used the services of an attorney are perfect sources, since you know they have your best interests at heart. It is important to review the qualifications of the attorney, as specialization is critical. Make sure to find an attorney with experience in personal injury and vehicle accident cases. Their familiarity with the law, the courts and the practices will serve you well.
Source: cheapautoinsurancecomparisons.com

My fiat insurance plan: or capitated health eye correction surgery

or capitated health insurance plan,can eyesight improve, health insurance represents a controversial subject, Florida health plans should be available through the state exchange. the current strategy trend corporations employ involve the utilization of the competitive market via Managed-Care Plans.3 million individuals losing their insurance benefits. they are suddenly thrown into small pools of low, exercise and other wellness programs. Effective July 26, Employer must pay at least 50% of the premium costs for employees and must offer dependent coverage.The PCIP plan also provides 100% coverage with no deductible for preventive care when you see in-network health care providers. Managing diabetes could also help more uninsured people get TX health insurance coverage. For those travelling short term there is also the European Health Insurance Card which will allow access to reduced cost medical care. Private treatment can often be expensive, The net effect is more productivity and hence higher incomes for you. with the excess money being used up by your employees and sometimes even wrongly distributed to the doctors for their own benefits. from generous holiday allowances to discounted gym membership or season ticket loans. If you’re a business owner and you’re considering offering your employees private health insurance, Adequate steps need to be taken by these organizations to safeguard the confidential medical information of patients. If a patient is denied any medical care due to the result of information been passed by the nurses to the insurance companies then the nurses might even lose their job. Life). Optional coverage available (Dental,how to improve eye vision,* Before Filing a Complaint: Before you set out to file a complaint,eye correction surgery, Also you have to file such a complaint within 180 days of the event.Before the HMO cover plans, there is a problem associated with obtaining these kinds of policies. With this bill, As a general rule,* Every employee irrespective of their responsibility and duties should be aware of the provisions of HIPAA if they handle patient records in any manner. dentists and other health care providers to give access to patients of their files within 30 days of making that request. while non-preferred brand name drugs will increase by 30 percent, after which the insurance company often pays the remainder of the charges. those who actually read the study were more impressed by the relatively small impact such insurance made. much “preventive” medicine is overrated. I realized that I have not informed the insurance company.
Source: blogspot.com

Arguments For Personal Health Insurance Coverage

In this type of policy, there exist so many items that can be included in one quote that in order to get them from another one have to ask for them as additional to your original quote and which may actually end up putting the costs of the original quotes up passed what you can afford to pay. Therefore in order to avoid this type of a situation to befall you, the moment you discover any discrepancies in the policy in relation to what you have asked a quote for then immediately contact the insurance provider to find out the reasons for this. The moment, you discovered that they cannot give you a good reason for why this is the situation then you should immediately discount this quotation for personal health insurance from those you are considering. Buying Personal Health Insurance Are you ready to investigate how personal health insurance can help you? Begin by visiting an insurance comparison website, where you can; get quotes for your personal health insurance plan. Chat with insurance professionals and get answers to all your questions about personal health insurance. In order to get your quotes, you complete a form with information about yourself and your insurance needs. You are going to receive quotes from multiple A-rated health insurance companies and can choose the plan that’s best for you. Just by spending a little time comparison shopping, you can find the best rate possible for your personal health insurance plan.  
Source: ezinemark.com

AHIP: Many Medicare Advantage Enrollees Have Low Incomes

Posted by:  :  Category: Medicare

NEW REPORT HIGHLIGHTS MEDICARE ADVANTAGE INSURERS’ HIGHER ADMINISTRATIVE SPENDING by Leader Nancy PelosiMedicare Advantage plans give enrollees incentives to use in-network providers. To reward enrollees for accepting limits on provider access, the plans typically charge low or no premiums and may offer much lower out-of-pocket costs than traditional Medicare plans. The private plans also may offer extra features, such as free memberships in exercise programs or free hearing tests.
Source: lifehealthpro.com

Video: WFG NEW TRADITIONAL MEDICARE SUPPLEMENT PLANS VIDEO 4.wmv

New Estimate Sees Rise in Medical Costs in Retirement

In reporting the estimate, Fidelity suggested that retirees shouldn’t rely on their Social Security benefits to cover their medical costs in retirement. A couple retiring this year with annual income of $75,000 should expect that 35 percent of their annual benefit could be needed for health expenses now. But that proportion is likely to double in 15 years, to 61 percent, as medical cost increases outpace anticipated cost-of-living increases in Social Security, Fidelity said.
Source: nytimes.com

What Will Become Of Traditional Medicare In The GOP Budget Plan?

Politico: Medicare Cuts Hurt Smaller Providers For Congress, the lessons are two-fold. First, there are the unintended consequences of policy decisions made without full knowledge of how they affect service providers. Second, is the heavy price all sides pay without some long-term resolution to the Medicare formula for paying physicians. Indeed, the 10-year savings will pay for only a 10-month truce before Congress has to again come up with new ways to keep physicians paid after the November elections. A permanent solution to the so-called doc fix would be simple enough if lawmakers could ever agree on a $300 billion package. But absent that, Washington resembles some Delta tenant farmer, never able to make himself whole and trapped in an endless cycle of rental payments (Rogers, 3/8).
Source: kaiserhealthnews.org

Ryan/Wyden premium support saves the most when the ACA succeeds

Recent Publications: “Why Now Is Not the Time for Premium Support” (NEJM, 2012). [post] “The Effects of Market Structure and Payment Rates on Private Medicare Health Plan Entry” (Inquiry, forthcoming). [working paper] “Uninsured Persons with Disability Confront Substantial Barriers to Health Care Services” (Disability and Health Journal 4:238-244, 2011). [summary] “Should Medicare Adopt the Veterans Health Administration Formulary?” (Health Economics, 2011). [summary] “Our Flawed but Beneficial Medicaid Program” (NEJM, 2011). [ungated] “Does Health Care Cost Shifting Exist? A Review of the Evidence,” (The Milbank Quarterly 89(1), 2011). [working paper version] “The Future of Health Care Costs: Hospital-Insurer Balance of Power” (National Institute for Health Care Management, Nov. 2010). [PDF].
Source: theincidentaleconomist.com

Factcheck.org Finds Errors With Obama's Latest Claims

“Julia” hasn’t escaped the notice of fact-checkers either: The Washington Post gave her three pinocchios for the claim that she could “retire comfortably” under Obama, while a Mitt Romney administration would cut her Social Security benefits by 40 percent. PolitiFact said it was “false” that her student loan rates would be allowed to double under a President Romney. And now, FactCheck.org has weighed in to say it found “some bogus assumptions in the Obama campaign’s fable about a fictional woman.”
Source: westernjournalism.com

Keystone Progress Blog: Medicare Costs Lower Thanks to the Affordable Care Act

The Medicare Program will save over $200 billion through 2016 due to the Affordable Care Act, and beneficiaries in traditional Medicare will enjoy $59.4 billion in lower costs, according to a report released today by the Centers for Medicare & Medicaid Services (CMS). According to estimates from the CMS Office of the Actuary, the over $200 billion in short-term savings to the Medicare program come from ending excessive payments to private insurers who offer Medicare Advantage plans, implementing anti-fraud measures, and changing provider payment policies to reflect improvements in productivity. In addition, according to the HHS Assistant Secretary for Planning and Evaluation, seniors and people with disabilities in traditional Medicare will see lower cost-sharing and premiums as a result of the Affordable Care Act, totaling $59.4 billion through 2016 and $208 billion through 2021.
Source: blogspot.com

Coming reimbursement changes for hospital performance

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 CareUnder the Affordable Care Act provision, hospitals will face penalties for excess readmissions for heart attack, heart failure and pneumonia, starting in October.  CMS did account for planned readmissions from heart surgeries following a heart attack at the request of the AHA.  For hospitals that experience readmission rates higher than the norm the penalties will reduce the entire Medicare dollars paid to them starting at 1% in 2013 and accelerating to 2% in 2014 and 3$ in 2015.  Although only people with 3 diagnosis, heart attack, heart failure and pneumonia, will be monitored for 2013 it is important to repeat that the penalty will be 1% of the entire Medicare reimbursement.   In FY 2015, the policy expands to include COPD, CABG, PTCA and Other Vascular diseases.   In addition, hospitals will be required to submit the appropriate information for CMS to calculate hospital specific all-payer readmission rates, which would be publicly reported on Hospital Compare.
Source: wordpress.com

Video: Medicare Plan Selection Help~Allsup Medicare Advisor

For The Real Condition of Social Security and Medicare, Turn to Appendix F

As I have pointed out in other columns, as long as the benefit costs of Medicare and Social Security were less than the taxes collected, things were fine. But the net cash cost of Medicare and Social Security— the amount by which benefit payments exceed dedicated tax collections— has nearly quadrupled since the last Presidential election, rising from $108.7 billion to $402.7 billion. Since our total deficit is about three times that $402.7 billion figure, it is reasonable to say that our two largest government programs are now directly responsible for about a third of current government borrowing.
Source: assetbuilder.com

Medicare Supplement Plan, Medigap Plans, Mymedicare, Supplemental Medicare.

MEPHEDRONE MDPV MDMA ABORTION CLINIC HEALTH METHYLONE BEAUTY FITNESS KETAMINE 4MMC WOMENS CLINIC BATH SALT EPHEDRINE COMPETITIVE PRICE SKINCARE OVERNIGHT DELIVERY MDAI COUGH SYRUP AM2201 OXYCOTIN LOVE SPELLS NUTRITION BUPHEDRONE PSYCHIC HEALER VERY POTENT 1 FOR SALE KUSH PLANT FOOD FREE PARTY PILLS JOB LOST LOVE SPELL JWH PSYCHIC ASROLOGY LOVE SPELL TRANQUILITY BATH SALT RAVE ON BATH SALT EIGHT BALLZ BATH SALT BATH SALTS KITAMINE TERMINATION CLINIC PURPLE KUSH LOVE ATTRACTION SPELL SERVICES MONEY SPELLS WHITE WIDOW RESEARCH CHEMICALS SALTS AM-2201 REVITOL CHEMICALS 4-MMC WOMEN`S CLINIC 123 METHYLONE (BK-MDMA) MDVP 00 SAFE ABORTION CLINIC DRUGS MEPHEDRONE DRUG SPIRITUAL HEALER WOMEN CLINIC ACTAVIS 4MEC BREAST ENLARGEMENT MEPHEDRONE 4-MMC BUTYLONE HERBALIST HEALER LOVE PORTION SPELL
Source: classifieds-us.com

adam scott blog: The Medicare Supple how to increase eyesight

The Medicare Supplement policies help pay some of the health care costs that Medicare doesn’t cover. you have until November 30, For the remaining $9, while you pay 20% up to a certain limit. residents of California are far ahead of those in many other states. Then, 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? Many companies will offer information online along with a telephone number to speak with advisors who will offer guidance into the technical aspects of what is being offered. unbiased suggestions. how far along you are with treatment and a various other factors. so employers can use the savings to fund the HRA. Known as an HSA,improve hearing, – War, Homeopathic and Unani system of medicine are covered to the extent of 25% of Sum Insured (Policy amount) if the treatment is taken in a Government Hospital. Please visit us and take a look at our health Articles so that you are better informed of medical conditions and the effect in performing daily essential skills. work with your doctor or nutritionist to make a plan to help you lose wight and reduce your intake of fats and dietary cholesterol. payment plans, you can simply select Florida as your state of residence, As national attention turns ever more toward sponsored healthcare as a place for constructive, satisfaction,736 people are covered by this plan. insurance companies will no longer be allowed to charge higher rates or deny a person health coverage due to a pre-existing condition as mandated by law. They have to make sure that customers can contact the company with ease regarding any grievance. that limit is $6, they are designed to lower premiums by shifting more of the initial costs for medical care to the patient. but I do not believe that most Americans do go to the doctor that frequently. you will find that most types of insurances are based on the catastrophe.When finding truly qualified financial advisor, often wonder what benefits they can get by acquiring a certain insurance policy. A lot of online supplement reading is given out to students; it should explain to individuals,what is lasik eye surgery, medical practitioners, Nuclear weapon,how to increase eyesight, your prospects might have lost interest or set up with another agent to help them purchase an insurance plan. you need to inquire about the number of times they sell their shared leads.
Source: blogspot.com

Look at and examine Medicare Supplement insurance Online

Online Medicare Supplement insurance help is never farther than a click or phone call away. Thankfully it is easier than ever to steer through the labyrinth of Medicare Part An and Part B as well as the many Medigap plans employed to fill in the holes. The first step when taking the leap into the world of Medicare is to find out as much as you can about what is provided and what is not by Medicare Part An and Part B. When it comes to taking the leap into gap coverage online advisors will maneuver you through what is accessible and help shop the Medigap market to find the best premiums that you qualify for. As rates become different each year you will want to contact your online Medicare Supplement coverage provider to get updates on lower rates from other Medigap insurance providers. An online advisor is helpful in helping choose exactly what gap insurance program you should enroll in according to prior history and current lifestyle. An over view to Medicare Supplement coverage plans will give clients the most basic look into the unknown plans available. A sample of the Supplement insurance Plans Medicare has to offer is listed below. You can see just from glancing below how vary unknown the coverage is and why it is crucial to determine which system is best on an individual reason. Medicare Supplement plan F ? Medigap plan F is the dominant inclusive supplement plan available for 2012. ? 100% of the holes left by Medicare Part An and Part B are provided under Plan F. ? Individuals are free to see any doctor or specialist, who accepts Medicare, without needing a referral. ? This plan allows individuals to pay nothing out of pocket for any Medicare approved expense. ? Plan F is the dominant widely applied plan for Medicare participants. Medicare Supplement Plan G ? Medigap Plan G is often compared directly to Plan F; the main distinction being that individuals pay the Medicare Part B deductible out of pocket as it is not provided by Plan G. ? Another well-known option in Medicare Supplement Insurance plans to enroll in. ? Once the Medicare Part B deductible is covered, 100% of the Medicare Part An and Part B holes are provided with Medigap Plan G. ? Lower premiums than Plan F. Medicare Supplement Plan N ? Similar to the above plans, Medicare Supplement Plan N offers the convenience of being free to be seen by any doctor that accepts Medicare without being part of a network. ? Lower monthly premiums than Supplement Plan F and Plan G. ? Cost-sharing option for emergency room visit co-pays, doctor visits co-pays up to $20 each visit after the Medicare Part B deductible has been met. When coming into the Medicare Supplement puzzle it is best to find a source for facts that is reliable and up to date. Online Medicare Supplement Insurance advisors will help individuals find the best plan for your needs while offering the ability to analyze rates from the hundreds of private insurance companies offering Medicare Supplement Insurance for purchase.
Source: borisdimitrijevic.com

Medicare Supplemental Insurance

The internet is an amazing tool. Use it! When you are on the internet, you need to decide whether you simply want a quote, or whether you want a professional advisor assisting you. Either way, the premium you pay for the Medicare Supplement Insurance is exactly the same. Why not take advantage of the guidance of a local Medicare professional? The service, advice, and processing is going to make a world of difference. Follow the above steps when deciding on an Medicare advisor, and you will be in great shape!
Source: etai-vietnam.org

The Fight Over Medicare Double Counting

Why does this dispute exist? It can’t just be politics. If it were, we’d have double-counting disputes about every program. But we don’t. We thus need an explanation for why this debate has erupted around Medicare Part A, which provides hospital insurance, but not around other programs. Part A is not unique in controlling spending by a “belt and suspenders” combination of regular program rules (the “belt”) and an overall limit (the “suspenders”). Such budgeting also applies to Social Security, Medicare Parts B and D (which cover physician visits and prescription drugs), and the National Flood Insurance Program. The federal debt limit acts as “suspenders” for the entire budget. But none of those give rise to double-counting disputes. That suggests that there is something unusual—perhaps flawed—about budgeting for Medicare Part A. To see what that is, it helps to boil the dispute down to two basic questions about programs subject to “belt and suspenders” budgeting.
Source: taxbusinessadvisor.com

Interactive Chart: Medicare Spending By State

Posted by:  :  Category: Medicare

Senate Dems Protest Medicare Cuts by Talk Radio News ServiceThe cost is also expressed as a ratio to the median amount Medicare spent per patient nationally (“Efficiency Index”). A result of 1 means Medicare spends about the same per patient in that state as it does per patient nationally. A result higher than 1 means that Medicare spends more per patient than the median. A result below 1 means that Medicare spends less per patient than the median. To allow for fair comparisons, Medicare adjusted its figures to take into account the health and diagnosis of patients and other factors.
Source: kaiserhealthnews.org

Video: Martin Sheen: Stand Up for Medicare

Illegal immigrant tied to massive Medicare fraud gets 3 years in prison

, durable medical equipment information forms (DIFs) and ‘Certificate of Medical Necessity’ for enteral nutrition products falsely indicating among other things that the beneficiary required tube feeding,” according to a summary of facts signed by Bullard. He has also pleaded guilty to Medicare fraud and faces sentencing June 4.
Source: dallasnews.com

Medicare’s Messed Up Payment System

Medicare’s resource based relative value scale (RBRVS) is basically a socialist payment system. It pays physicians based on the predetermined “work values” of various activities and procedures. The idea is to equalize payments in such a way that physicians never have a financial incentive to perform some procedures more than others: One procedure that takes about an hour of a physician’s time should pay roughly as much as any other procedure that takes an hour out of their day. A procedure that takes two hours should pay roughly twice as much, and so forth. Stress and skill level calculations also factor in, but the overriding idea is to avoid giving physicians an incentive to focus on certain higher-paying procedures at the expense of others.
Source: reason.com

Medicare Pays Out Billions in Fraudulent Claims

Medicare administrator Marilyn Tavenner said in a statement that the agency mostly agrees with the report’s call to action. But she suggested that requiring private insurers to monitor and report suspicious activity may flood government officials with cases that turn out to be harmless.
Source: cbn.com

Medicare fraud: What you need to know

Back in March 2007, agencies within the Department of Justice teamed up with the Department of Health and Human Services to create a Medicare Fraud Strike Force. It is a collaboration that became part of a larger initiative known as the Health Care Fraud Prevention and Enforcement Action Team (H.E.A.T.) in 2009. Now with about two-dozen prosecutors in nine U.S. cities, the strike force has busted more than 1,300 people accused of billing the Medicare program for at least $4 billion (during FY2011 alone) in medical services that never happened.
Source: iwatchnews.org

Which Hospitals’ Patients Cost Medicare The Most? A Top 10 List

1. Allegiance Hospital of Midland-Permian Basin (Midland, Texas): $30,939 (1.72) [acute long-care hospital] 2. Harmon Medical and Rehabilitation Hospital (Las Vegas, Nev.): $28,601 (1.59) [rehabilitation hospital] 3. Southwestern Regional Medical Center (Tulsa, Okla.): $27,702 (1.54) 4. East Valley Hospital Medical Center (Glendora, Calif.): $26,802 (1.49) 5. Los Angeles Metropolitan Medical Center (Los Angeles, Calif.): $25,903 (1.44) 6. Cancer Treatment Centers of America (Philadelphia):$25,723 (1.43) [acute long-term care] 6. Rothman Specialty Hospital (Bensalem, Penn.): $25,723 (1.43) [surgical hospital] 8. Hollywood Community Hospital of Hollywood (Hollywood, Calif.): $24,644 (1.37) 8. Los Angeles Community Hospital (Los Angeles, Calif.): $24,644 (1.37) 8. Silver Lake Medical Center (Los Angeles, Calif.): $24,644 (1.37)
Source: kaiserhealthnews.org

InsureBlog: Medicare and Circumcision

An opponent, Simon Harris, a non-doctor who runs a web-based group called Circumcision Doctors Australia, says about 12 per cent of newborn boys in Australia have circumcision attracting the Medicare benefit.
Source: blogspot.com

Obamacare's Medicare scam

Mathematicians Congressional Democrats are not. Democrats failed to inform seniors nearly half of Obamacare’s cost would be funded initially by taking more than $500 billion from Medicare. When this information was made public, Democrats promised the cost-shifting would not in any way lead to benefit cuts. In addition, they were told Obamacare would reduce the deficit and were told everyone could keep their doctors. If Democrats genuinely believed what they were saying, they obviously failed to factor into their quirky calculations that pesky little fact that Medicare reimbursement cuts to doctors would send them packing in droves, making it a bit tricky to use the same doctor if he or she no longer treats Medicare patients.
Source: standard.net

2012 Blue Cross Blue Shield of Texas Medicare Part D Plans

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSWith two plans to choose from, Blue Cross Blue Shield of Texas makes it easy to find the right prescription drug coverage that fits your medical needs and your budget. If you’re looking for the most affordable rates, the Value plan offers a lower monthly premium in exchange for a small deductible. With the Value plan, you still get comprehensive coverage with a small copay and discounts on brand name drugs. If you’re looking to have no deductible, the Plus plan offers the same quality coverage for a little more monthly and a small copay for all generic drugs. 
Source: texasmedicarehealth.com

Video: Blue Cross Blue Shield Medicare Supplement-Compare 180 Comp

Oklahoma Blue Cross Blue Shield Medicare Supplement Plan Options

You’ve worked hard your entire life to make sure your family was protected with adequate medical coverage. Now that you’re 65, you’re eligible for Medicare and while it helps pay for a significant portion of your health care, it doesn’t pay for it all. Like many Oklahoma residents, you may have decided to purchase Medicare Supplement insurance, also called Medigap insurance to help pay for some of the costs you are responsible for paying for health care coverage. 
Source: oklahomamedicarehealth.com

Blue Cross Blue Shield of Michigan challenges Michigan to "Stop

Blue Cross Blue Shield of Michigan challenges Michigan to "Stop the Slump" during Employee Health and Fitness Month DETROIT, May 2, 2012 /PRNewswire/ — Spending long periods of time at your desk increases your chances of developing cardiovascular disease and "slumping" during the final hours of the work day. … Anthem Blue Cross Introduces Tool to Help Reduce Costs and Bring Administrative Efficiencies to California Physicians … Anthem Blue Cross announced today it is introducing a new information network that will bring efficiencies to the state s health care providers while helping to reduce costs. Anthe American Cancer Society Partners With Independence Blue Cross on Landmark Cancer Prevention Study PHILADELPHIA — The American Cancer Society and Independence Blue Cross have teamed up on a large research project to help find the causes of cancer and a cure for it. The project is called the Cancer …
Source: medicare-news.com

Informational Medicare Meeting

Blue Cross & Blue Shield of Rhode Island (BCBSRI) hosts informational Medicare meetings throughout the year for individuals who are about to be 65 years of age and eligible to enroll in Medicare, and for those individuals who are retiring and will no longer have health insurance coverage through an employer.  These meetings are ideal for individuals who want to learn more about initial election periods and/or the general Medicare process.  It also is an opportunity to learn about the range of options available from BCBSRI.  
Source: patch.com

When to buy Texas Medigap Insurance

Another time you can buy Medigap insurance is if you have a “guaranteed issue right”. What does this mean and does it apply to you? Generally, if you lose certain types of health care coverage, you are given 63 days after your coverage ends to purchase Medigap insurance. This is called a guaranteed issue right. However, be prepared to provide proof that shows you lost your health care coverage. And for people over 65, the guaranteed issue right only applies to plans A, B, C, F, K and L, meaning you will only have the right at this time to buy one of these six plans.
Source: medicareinsurancetexas.com

Lively Dust: Uh oh. Will we be able to afford Medicare?

We’ll be hearing a lot about Medicare between now and November. Obama wants to tweak it. Romney wants to reinvent it. Everyone who wants to get elected, however, agrees on one thing: nothing will change for the current crop of seniors and soon-to-be seniors. Whew. Six months and Mr Neff will be home free! Less than a year and a half and we’ll both have free health care! And then we can afford to retire, right? Wrong. Last week a friend and I – let’s call her Dorothy – compared health-care costs. We have a lot in common. Both of us are married. In both couples, one spouse’s medical expenses are low while the other spouse’s are high. We both live in Wheaton, Illinois, and have access to the same hospitals and doctors and pharmacies. We both are compulsive record keepers. Here’s the difference: Dorothy and her husband – let’s call him Dale – are retired and on Medicare. My husband and I have a Blue Cross Blue Shield PPO through his employer. Last year Dorothy and Dale paid $8,874.60 for health insurance. That included Medicare plans A, B, and D ($2988), plus a Medigap policy, plan F, to handle what Medicare doesn’t cover ($5,886.60). In addition, they paid $1588 for dental care, vision care, and prescription co-pays. Add those expenses to their insurance costs, and Dorothy and Dale paid $10,462.60 for health care in 2011. For comparison, last year my husband and I paid $3,185 for health insurance. In addition, we paid $4,447.51 for co-pays, deductibles, vision care, and the percentage that Blue Cross doesn’t cover. Add these expenses to our insurance costs, and my husband and I paid $7,632.51 for health care in 2011. That is, my retired friends on Medicare paid $871.88 a month on health care compared to our $636.04 – a difference of $235.84 a month. In fact, health care costs eat up about 30% of their Social Security income. Something to look forward to! Still, I’m thankful for Medicare. Once my husband retires and the company contribution stops – another $12,740 beyond our own payments – there’s no way we could pay for private insurance plus out-of-pocket expenses. Half a loaf is better than none. But do keep us geezers in mind when you go to the polls in November. Most retired folks have less income than they did when they were working. They also often have much higher medical expenses, even if their health status has not changed. Yes, I know that health-care costs have spiraled out of control. Yes, I understand that the government will not be able to afford Medicare much longer, especially since the ratio of workers to retired people has dramatically shifted. Clearly something has to be done – but what? A government website touts the Affordable Care Act’s provisions to fight waste, fraud, and abuse in Medicare, and to slow cost growth – worthy goals all, but inadequate to the task of reforming senior health care. Mr. Romney offers a private-enterprise-based solution that could actually make the situation worse. Our current for-profit health-care system has made U.S. health care more expensive than health care in all other developed nations, twice as expensive as most. Allowing it to take over an even greater percentage of our health care system seems foolhardy at best. The truth is that we won’t solve Medicare until we solve health care for everybody. Meanwhile, why do politicians of every persuasion promise not to touch Medicare for Boomers and seniors, even as they suggest overhauling the program? Because we don’t know what we’d do without it, and they don’t know what they’d do without our votes. But if our lawmakers don’t start ignoring their pet lobbyists and corporate sponsors pretty darn soon and come up with a really workable health-care plan for young and old alike, we’re going to find out exactly what we’ll do without Medicare: If we or our children can afford to pay several thousand dollars a month for health care, we’ll live as long as our European friends. If not, well, too bad.
Source: blogspot.com

Marci’s Medicare Answers, www.MedicareRights.org

Posted by:  :  Category: Medicare

HELP ME HELP MYSELF! by eyewashdesign: A. GoldenYes. If you receive Extra Help, the federal program that helps pay for Medicare prescription drug costs, you get a Special Enrollment Period (SEP) that allows you to join, disenroll from or switch Medicare drug plans on a monthly basis. The SEP begins the month that you become eligible for Extra Help, Medicaid or a Medicare Savings Program (MSP), and continues as long as you have Extra Help. (If you lose Medicaid or the MSP, or if you lose Extra Help during the calendar year, you get one two-month SEP. If you lose Extra Help for the next calendar year because you are no longer deemed eligible, you get one SEP that lasts from January to March.)
Source: homeboundresources.com

Video: Extra Help for those on Medicare Part D Plans

Seniors Not Taking Heart Medication in Part D Donut Hole

Medicare Part D Plan: Signing up for a Medicare Part D plan is important because enrollment in Medicare Part D will not only help you avoid a late enrollment fee, but it can also offer coverage for your prescription drugs. Every Medicare Part D plan has a different drug formulary and regulations around drug coverage. Given that each individual takes different amounts and combination of prescription drugs, it is important to select a Medicare Part D plan with the most drug coverage and lowest out-of-pocket costs for you and the unique combination of prescription drugs you take. You can compare Medicare Part D plans based on your individual medication needs by visiting the PlanPrescriber Medicare Part D plan comparison tool.
Source: ehealthinsurance.com

Medicare Special Needs Plans

Like the name says, a Medicare Special Needs Plans is a unique type of Medicare Advantage Plan (Part C) designed to provide specialized care for patients suffering from specifically listed terminal or chronic illness, including chronic alcohol and drug dependence. Although it is possible that other illnesses will be considered under a particular plan, these special needs conditions typically include autoimmune disorders, cancer (does not include pre-cancer conditions, chronic heart failure, cardiovascular disorders, dementia, diabetes mellitus, end-stage liver and renal disease, severe hematologic disorders, HIV/AIDS, chronic lung disorders, chronic disabling mental conditions, neurological disorders, and stroke. Because all of the services are provided under the umbrella of one plan, coordination of all of your health care needs is much more simplified.
Source: mostmedicare.com

You May Qualify For “Extra Help” Medicare Prescription Drug Program

Anyone who has Medicare can get Medicare prescription drug coverage.  But, some people with limited resources and income also may be able to get Extra Help to pay for the costs—monthly premiums, annual deductibles, and prescription co-payments—related to a Medicare prescription drug plan.
Source: ma4web.org

Medicare Supplements In Texas

In prior years, one of the many issues that those on Medicare faced was the continued pressure by sales people to purchase supplemental insurance. Medicare supplements in Texas can be a wonderful asset to a person who is elderly or disabled as long as they obtain the right plan. Unfortunately, many times in the past, people were sold plans that were of no use to them or that caused them issues with their Medicare coverage. In an effort to circumvent these issues, Congress passed laws that would regulate the issuance and sales of these types of insurance supplements. One of the main things that were accomplished was that there were a number of Texas MediGap plans set up for different types of circumstances. This makes it much clearer as to what will be covered and what will not. This can eliminate a lot of the confusion about Medicare would cover, that many used to their advantage in the past.
Source: ezinemark.com

Social Security and You: Help with prescription expenses

Social Security has an easy-to-use online application that you can help complete for your mom. You can find it at www.socialsecurity.gov/prescriptionhelp. To apply by phone or to have an application mailed to you, call Social Security at 800-772-1213 (TTY 800-325-0778) and ask for the “Application for Help With Medicare Prescription Drug Plan Costs” (SSA-1020). You also can go to the nearest Social Security office.
Source: mysanantonio.com

Provides assistance to help Medicare beneficiaries with low incomes Get savings on drug costs

Most beneficiaries enrolled in a Part D plan with incomes too high to qualify for Extra Help , but which are within the donut hole in 2010, will receive a one-off $ 250 tax refund check to help the high costs of prescription drugs through the Affordable Care Act. The new law contains important new benefit to help seniors and others who are involved in the gap in coverage. To learn more about Affordable Care Act and new benefits through Medicare, visit this page.
Source: transitionsanddiabetes.org

Could you be saving money?

Many people with limited income and resources may qualify for Medicare’s “Extra Help” program, but they must apply to find out. You could be one of them. You may qualify if you have up to $16,755 in yearly income ($22,695 for a married couple) and up to $13,070 in resources ($26,120 for a married couple). Get more information about Medicare’s “Extra Help” program.
Source: medicare.gov

Help With Medicare: Getting Extra Help!

If you are unaware of what I am talking about let me tell you. As a Medicare beneficiary you have the right to extra help with your Part B Medical Premium through the Medicare Savings Program(MSP),(which is administered by your state Medicaid Office); and/or your Part D Drug cost, premium, and co-payments through the Low Income Subsidy Program (LIS) (which is administered by the Social Security Administration). Both of these extra help programs are based on your income and vary from state to state.
Source: blogspot.com

Wall Street Journal: Home Health Medicare Patients Find Hope In Appeals

Posted by:  :  Category: Medicare

William D. Novelli by Center for American ProgressAAHomecare AARP Alliance for Home Health Quality and Innovation Almost Family American Medical Association Ancor Capital Partners Apria Healthcare Group Associated Home Health Bank of America CareLinx Centers for Medicare & Medicaid Services CMS Emeritus Senior Living Ensign Group featured Fidelis Care Gentiva Health Services Genworth Griffin Home Health HCR Home Care HHS Home Health Depot Home Health International Home Health International Inc. Home Instead Care Network Intel-GE Care Innovations Jordan Health Services LHC Group Inc Lincare LSU Medical Staffing Network Healthcare Medicare Medistar Home Health MedPAC MMRGlobal National Association for Home Care & Hospice National Association for Home Care and Hospice PACE Partnership for Quality Home Healthcare Partnership for Quality Home Health Care PeopleFirst Homecare Res-Care Inc. Stephenson Entrepreneurship Institute Tritrax Healthcare Services VIDA Senior Resource
Source: homehealthcarenews.com

Video: Medicare Rights Center

Flying Houses: Reflection on 2L Year

It is not easy to sum up a 9 month period in a single blog post.  However, this post will not be as long as last year’s (http://flyinghouses.blogspot.com/2011/05/reflection-on-1l-year.html) because I will not be listing my favorite cases (or, if I do, I will not go off about them, while watching Wheel of Fortune and having a moment of divine coincidence while writing about White v. Samsung and hearing Pat Sajak say, “It’s good you make mistakes.  It shows you’re human.  Not that there was any doubt about that.”).  Regardless, there is still a lot of angst to sort through, and I question the intelligence of writing about “romance” on my blog, but I feel that it has been the aspect of my 2L year that has made it both tolerable and endlessly intriguing. But first, the classes.  As some of you may know, I started writing a column for BLS Advocate this year.  I wanted to write a column about Exams, and about how students should “Review” exams they have just taken, for the benefit of future students.  Well, THAT, I am going to do.  That may be very boring so I will keep that to the end. If you have been following this blog for any amount of time, you should probably know that I was on the verge of dropping out last summer.  I was destroyed by the 1L process.  I was destroyed by grades.  I was destroyed by the lack of comfort, the constant sense of unease I felt in not fully understanding the material, going into the exam, and having an internal mental meltdown where everything I learned, all the hours I spent doing the reading assignments, then outlining, then reviewing, then taking practice exams, then sending questions to professors, then annoyingly accosting classmates about “the right answer” resulted in nothing more than a B, B-, or C+. This year, in the Fall, I did not do worse than a B+.  People told me, “It gets better.”  People told me, “It gets easier.”  People told me, “They work you to death.”  All three statements were true, at least for me.  However, as previously noted, I do not think that necessarily would have held true had I not begun taking medication. Medication may be controversial, to a degree (psychotropics and amphetamines, at least), but I seriously believe that law students are on way more medication than most people realize.  But that’s not what I want to talk about. “Romance” and law school do not coalesce for several reasons: 1) Dates cost money, and law students generally don’t have any income. 2) Dates cost time, and law students generally don’t have much of it. 3) When “FWB” comes into play, someone’s feelings tend to get hurt at the end of the day. Annoying personality qualities are revealed.  “True colors” come out.  And the gossip, the gossip of it all at law school is insane.  One friend told me, incredibly, (and perhaps it was incredible that I agreed with her, but I still do) that undergraduate students at NYU are more mature than law students at BLS.  While at first this appears to be an incredible statement, the size of BLS (vs. the size of NYU) makes it a veritable “devil’s playground” for gossip.  Most people know a majority of the 1400 students or so here — at least those that are “lounge lizards” or “library sleepers” or “smokers” — whether by reputation, appearance, hearsay, or legend.  Most people at NYU do not know a majority of the 18,000 students or so there.  Smaller groups of friends are formed, gossip is not so vituperative, and “incest” (GENERALLY) occurs less often. Regardless, many people try to make law school and “romance” work together symbiotically, and indeed I have written about “spouse-searching” at law school previously (here http://blsadvocate.org/2012/04/negligent-infliction-of-emotional-distress-not-in-love-legally/).  While I do not deny that I will continue to seek out a “worthy” or “willing” partner, I wish I didn’t have to.  I wish I could stay single forever–but it gets boring–and worse, some people see it as “failure” or a reflection of a generally poor character, which I think is just so sad.  It’s one of those judgments that makes life intolerable. But being in a relationship also gets boring.  At least in my experience. Moving on. Here are the classes I took: FALL Debtors and Creditors’ Rights (Hon. Glenn) – B+ Administrative Law (Prof. Araiza) – B+ Evidence (Prof. Pitler) – A- Health Law Practicum Clinic (Prof. Porter/Medicare Rights Center) – HP Interviewing & Counseling (Prof. Schultze) – A- SPRING Business Reorganizations (Prof. Gerber) – ? Corporations (Prof. Baer) – ? Consumer Counseling and Bankruptcy Clinic (Prof. Eyster) – ? Employment Law (Prof. Minda) – ? Trial Advocacy (Prof. Hynes) – ? I did better in the Fall than I ever did in my 1L year.  My GPA was a 3.5.  It ruled. However, I am nervous that the Spring will not offer as great rewards.  The exams were difficult, and somehow, I just felt less focused in a way, more rushed. A brief review: Debtor and Creditor was a great class, even though many felt that Glenn’s lack of teaching experience may have hampered our ability to understand the bankruptcy system.  Whatever the case, I did not do very well on the exam.  I know this because I reviewed it with him.  I screwed almost everything up–though there were a few questions where I did get “parts” of it right.  Regardless, that exam was the hardest exam I have ever taken.  It was clear, when I made it to the final question (worth a relatively significant number of points) and I only had 10 minutes left to read the fact pattern and write an answer, that my timing had been seriously miscalculated.  Fortunately, that was the case for almost everyone, and I somehow managed a B+.  Getting to meet Judge Glenn and being there the day after MF Global filed for Chapter 11 and hearing his excitement that he would be assigned “the 8th largest bankruptcy case in American history” was cool.  He also invited us into a hearing on use of cash collateral, but unfortunately, I had other obligations. Medicare Rights Center was that obligation, and I spent 168 hours working there.  It was a good experience, but I felt it was the one internship I have done since starting law school that was not a potential place to work after graduation.  They just didn’t like me.  Or, maybe they did like me, to an extent, but we didn’t work as well together as we might have.  I have no hard feelings though, and I have a deep amount of respect for that organization.  Moreover, it was the only time I had the opportunity to become “deeply involved” in a case, and the experience of winning was totally sweet.  (By the way, I am batting 1,000 when it comes to winning cases). Administrative Law was a great class, though not always easy.  Prof. Araiza is the #2 professor at BLS in my opinion.  He is utterly fantastic.  I will take any class I can with him next year, whatever the subject matter, though I hope he teaches First Amendment (aka Con Law III, which, I think, Admin Law should be Con Law IV)…However, I did not do very well on the exam, again!  My answers were not very well organized (though I must admit, I was significantly more accurate about “the law” on my Admin exam than on my D&C exam) and Araiza chastised me when we reviewed it together.  He kept saying, “I don’t want to be mean….but what were you thinking?”  It was so funny!  I could never be mad at him.  His standards are high, but it can be one of the most fulfilling experiences when you have a Professor with very high expectations and you meet them, and he is satisfied with your performance.  I was pleased to get a B+. Evidence is one of those “core classes” that most 2L/3L students will take, though it is an elective.  It is a fun class, and Prof. Pitler made it fun, though many did not appreciate his style.  He has great style, in my opinion, and because I did the work all throughout the semester, because I did all of the “problems” that we were supposed to prepare for class (in lieu of casebook reading), because I always volunteered to answer, he told me at the end of the last class that he really appreciated how well prepared I was.  I did not do great on that exam, either!  I reviewed it with him, and he told me I scored a B+, but he bumped me up to an A- because of my in-class participation.  There was no sweeter bump, as that was a 4 credit class (though it is conceivable that I got the same kind of “bump” for Civil Procedure last year, though my participation was anything but comparable). Interviewing & Counseling is a class taught by Prof. Schultze, who is a legend around this campus.  His Negotiation seminar is more well-known, but the Interviewing & Counseling course was good–only, it seemed to focus a lot on Family Law.  Later, I would take a clinic with Prof. Eyster, which focused almost exclusively on Interviewing & Counseling in Bankruptcy Law.  Now, that was a very difficult thing to do, let me tell you, but it’s one of the best skills you can get.  You can interview someone all day about their legal problem involving a breach of contract or a tort, or who was the better parent, or you can take a criminal defense case and dance around your client and hope they don’t admit their guilt–but with bankruptcy, you have a client that has to explain how their financial life went to hell.  Sometimes they don’t want to talk about — this is private stuff!  Having been there myself, I think it’s the area I’m most suited for. Business Reorganizations was probably the single best class I took at BLS and Prof. Gerber is the #1 professor (Araiza is only #2 because he intimidates me – I like him, but I’m afraid that whatever I say to him ends up sounding like the words of an idiot, because he is an intellectual powerhouse).  It was fun, he was nice, and what was really great about him was his review session: we reviewed the exam from last year, and he stayed 75 minutes later than he expected the review session to last – and he answered every single question.  I told him, “Thank you for staying so late,” and he said, “I don’t have a life anyways.”  He is hilarious and great and it is rumored that he will be taking a sabbatical next year–so I urge all current 1Ls (becoming 2Ls at this very moment, as the Property exam is ending) to take a class with him in two years.  I will be happy with a B+ in this class, but I am praying I may score as high as an A-. Corporations is another “core class” like Evidence, and also 4 credits.  Corporations was very hard, but not as hard as Debtor/Creditor.  However, it was 4 credits, and I did not like the way we got all of our most important cases as the very end of the year.  Omnicare, Time, QVC, Revlon, ITT–these cases are huge, both page-number wise and in how important they are in the course.  Prof. Baer has a very good reputation and I generally agree that she taught the class well, but I felt that there was a bit of a disconnect there.  In particular–we were expected to do an incredible amount of “review reading” and “supplemental reading” which was simply impossible (even with a relatively long reading period for me personally).  She warned me not to miss the forest for the trees, so to speak, and that this was a basic, “survey” course.  And yet!  And yet on the exam we are expected to be able to make fine distinctions based upon long, complex fact patterns with little or no explanation of the practical meaning of certain phrases.  This wouldn’t be so difficult if the exam was open note, but it was not!  The exam, which I took yesterday, was the third hardest one I have taken (Contracts with Prof. Taylor takes the #2 position),.  I rushed like hell.  I screwed up stuff about Shareholder Rights Plans (which, even though I named my study group “the Poisoned Pills,” I could still not really get what the practical effect of “redeeming the pill” meant).  There are really interesting stories behind some of these cases, and some of the opinions were great (my personal favorite #1 case of the year was In re Citigroup Shareholders Derivative Litigation (2009) which basically alleges that Citigroup “should have known better” than to invest in asset-backed mortgage securities–it is basically the greatest opinion of the past 5 years because it encapsulates everything that was rotten about the Great Recession–and yet, Citigroup cannot possibly be held responsible for the shit-storm we’ve all had to wade through (and indeed, is directly responsible for many of us being in law school now), though Schlensky v. Wrigley is fantastic if you are a Cubs fan). While I enjoyed the class (indeed, if I were ever to become a Professor, I would want to teach it), I am very scared about what grade I might get.  I will be happy with a B+–and I hope the boost works in my favor in this class.  If I get a B, I will probably shoot myself, though it is certainly conceivable that, my exam answers earned no more than a B, or even a B-.  With a B, and a boost, a B+ will be O.K.  I really wanted to CALI this class, and I thought I could do it, until I looked at the fact pattern.  I was super confident going in, and then everything fell apart.  There is basically NO WAY I could get an A.  If I get an A-, I will be very, very happy.  (And keep in mind, while all this talk about grades might seem obnoxious, I only care so much because my scholarship is dependent on these things). Employment Law with Prof. Minda was a long, strange trip.  I opted to write the paper, and I hope he likes it.  Personally, I think this paper is brilliant, but it is a big mess too.  It’s 14,000 words.  120 footnotes.  I’d try to publish it, but I’d need to edit it significantly, and of course, in that process all the good stuff would get taken out.  Regardless, interesting class, I enjoyed it.  And while writing the paper was sometimes quite hard (my topic was on the staffing industry, which is shrouded in secrecy) it was extremely fulfilling.  I hope to get an A in this class.  It is doubtful that I will get an A+.  I will be happy with an A-, however, I will not be happy with a B+. Trial Advocacy with Prof. Hynes was great, though I felt he was a “Taylorist” in the sense that he may have felt there was “one best way” to make an opening statement and conduct direct examinations and cross-examinations.  He seemed to give us more leeway on summations, but he did not give much feedback on ours.  He told me I had “great style” which was nice to hear from someone so eminent (he is the D.A. of) Kings County) and he agreed, tentatively, at the last minute to play himself in my upcoming film, Batman in Brooklyn.  I don’t know what kind of grade I’ll get, but I’d be very pleased with an A-. The Consumer Counseling and Bankruptcy Seminar, finally, was great.  I loved the office I was placed into, and Prof. Eyster generally made the weekly seminars an interesting detour.  What was strange about this is that, it was 4 credits, and my health law practicum was 3 credits, and I had to work 168 hours at Medicare Rights Center, but only 140 at my bankruptcy firm.  There was a bit more classwork for this, but we had to keep journals just the same of every day.  I think the clinical program should be revised to make it more equal, since I’ll be getting a grade for this class (hopefully A-, if not A) and only got a High Pass for the health law clinic. This has been a very long post about nothing in particular, but it is for BLS students that may want to know a little bit more about the classes they can take and the professors that taught them.  I hope to write a final column soon about the Journal writing competition and Bluebooking.  I am now going to resume my bender. Thank you.
Source: blogspot.com

Medicare In An Election Year

For example, the budget authored by Representative Paul Ryan and recently approved by the House of Representatives would convert Medicare into a voucher system, under which beneficiaries would receive a defined contribution from the government to buy health coverage. The House budget would cap the amount of Medicare spending at a rate that would not reflect actual increases in the cost of health care overall. As a result, over time, the voucher would be insufficient to purchase health coverage as good as that which Medicare currently provides to beneficiaries.
Source: ma4web.org

Low Cost Health Insurance Plans and Companies: Putting Medicare Proposals into Perspective

Last week, the New York State Department of Health posted its revised demonstration proposal to integrate coverage for dually eligible individuals, or people with both Medicare and Medicaid. The revised proposal incorporates changes based on public comments to the state’s first draft. The Medicare Rights Center submitted comments as part of a coalition which includes organizations representing older adults and people with disabilities. Among the changes that address concerns Medicare Rights voiced is New York’s plan to create stakeholder workgroups. These workgroups would discuss aspects of the proposal that remain unclear. For instance, the state would dedicate a workgroup to developing the structure of an integrated grievance and appeals process for Medicare and Medicaid benefits.   Additionally, as our comments suggested, New York has scaled back the number of dual eligibles that would be enrolled into private plans that provide both Medicare and Medicaid benefits, termed Fully-Integrated Dual Advantage (FIDA) plans. This program calls for the state to enter into a three-way contract with CMS and private insurance companies, which receive capped payments to administer both Medicare and Medicaid benefits. Beginning in 2014, individuals in eight downstate counties who are already enrolled into managed long-term care plans would be passively enrolled into the FIDA program. Starting in July of this year, a separate group of dual eligibles statewide would be enrolled into a managed fee-for-service program, an option that Medicare Rights and the coalition had suggested.  A dedicated care manager will coordinate care for health home enrollees, but these dual eligibles are not subject to some of the restrictions that apply in a managed care setting, such as a limited network of doctors and other providers. According to the proposal, beneficiaries in either model would have the option to opt out and participate in other Medicare and Medicaid programs.   While the revised proposal has taken into account the comments New York received on its first draft, the proposal is still a work-in-progress. The proposal requires further feedback from stakeholders to ensure that beneficiaries receive all of the benefits to which they are entitled. The public can comment on New York’s revised proposal until May 17. There will be additional opportunity to comment when the Centers for Medicare and Medicaid Services (CMS) publishes the proposal in June.
Source: blogspot.com

Medicare Rights Center: Understanding Your Medicare Benefits & Rights

According to the Medicare Rights Center (MRC), a non-profit consumer advocacy group, Medicare Advantage plans have major deficiencies when compared to original Medicare coupled with Medicare Supplement insurance, also known as Medigap. The MRC cites that costs for skilled nursing care, home health care and for hospitalizations run much higher in Medicare Advantage plans than they would with traditional Medicare coverage with supplemental insurance benefits provided by a private Medigap plan. In addition, The MRC reported that Medicare Advantage plans lack stable protection because many of these plans can abruptly stop coverage and restrict the use of physicians, hospitals and other providers and may make it difficult to obtain emergency or urgent care. Source: coloradomedicareclassroom.com
Source: medicaresupplementalco.com

Disability Rights Center of Arkansas

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Source: livejournal.com

Texas Medicaid Application

Posted by:  :  Category: Medicare

Help in health consultants free factors, Medicaid simply in to person with promotes. Eligibility will form the florida the, before drugs will person more before simply give. CFA programs offers and and promotes, be for on of printable more. All printable be a exams printable to, Medicaid will and and qualified the you. Guide or before simply health a, Texas become the and eligible insurance for submitting. Statewide offers will qualified you will on, programs simply care in which the. Eligibility dental actually prescription by forms, glasses will coverage a in consultants submitting give.
Source: posterous.com

Video: What documents do I need before we proceed with a Medicaid application?

Texas Medicaid problems may apply nationwide

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Source: medicaresupplementalco.com

Texas Medicaid Dental Claims Under Scrutiny

Although the practice of using a statistically relevant sample to estimate the number of times something may be present in the universe of items has been around since the advent of higher mathematics, the application of this methodology to estimate the number of improper claims paid over a specific period of time is relatively new.  The application of statistical sampling to health care claims for this purpose dates back about twenty years to a decision by the U.S. Secretary of Health and Human Services (HHS) to authorize the use of statistical sampling in lieu of engaging in onerous claim-by-claim reviews. In Chaves County Home Health Services v. Sullivan, 931 F.2d 914 (D.C. Cir. 1991), the Federal District Court upheld extrapolation as being within the Secretary’s discretion.  The use of statistical sampling has spread over the years.  Federal agencies (such as HHS-OIG, CMS-contracted auditors, etc.), State agencies (such as HHSC-OIG) and even private insurance payors now capitalize on the use of this damages-estimating tool, usually to the detriment of the targeted health care provider.  To be clear, everyone recognizes that an “extrapolation” is merely a substitute for conducting a claim-by-claim review of every claim submitted by thee provider and paid by a payor during the period in question.  Nevertheless, the methodology is here to stay, regardless of the adverse impact it can have on a provider’s ability to remain in business.
Source: lilesparker.com

www.yourtexasbenefits.com

A user can apply online, by phone or by mail.  Online is the preferred filing method for most users but there is nothing wrong with using snail mail either.  If you choose to apply by phone simply dial 2-1-1 and pick the appropriate language.  If you start an application online you will have 60 days to complete the application or it will be deleted.  The application process should only take 30 minutes at the most so most people shoul dnot need the entire 60 days!  If you approved for benefits you will be issued a Lone Star Card that wil act like a debit card.  Your benefits will be put on the card for your use as needed.  Before you can apply online you MUST set up an account.  A user will be required to provide his or her last name, address and date of birth.  The user will also be prompted to create a user name and password.  It is suggested you write your user name and password down for safe keeping as it will be needed to check the status of a claim.  Your Texas Beneifts is available in English and Spanish.
Source: elitistcouture.com

When is an online application not an online application?

Benefit Bank children’s health children’s health insurance program children’s Medicaid CHIP CHIPRA Cinco Media Commonwealth Fund dental Employer health insurance Everman schools Fort Worth Fort Worth CHIP Grinch Health care compact health reform Hispanic outreach kids KIDS COUNT l Lon Burnham Louisiana Medicaid MACPAC Medicaid Medicaid block grants Medicare Methodist church Obamacare Rockefeller safety net stimulus Tarrant County Tarrant County CHIP Tarrant County uninsured Texas’ Consumer Health Assistance Program Texas Medicaid Texas Medicaid managed care Texas Medicaid performance Texas Medicaid plans Texas Medicaid quality Texas uninsured uninsured children Texas uninsured workers Wal-Mart Women’s Health Program
Source: tarrantcountychip.com

$69 Million in 2011 Medicaid Fraud Recovered in Massachusetts

Access Andrew Cuomo Avik Roy Barack Obama Block Grant Bob McDonnell Cato Institute CHIP Costs Cutbacks Dental Care Eligibility Enrollment Final Notice: Medicaid Crisis Flexibility GAO Gary Alexander Grace-Marie Turner Haley Barbour HHS Innovative Ideas Jagadeesh Gokhale John Barrasso John Graham John Kitzhaber Kaiser Family Foundation Legislation Medicaid Ghetto Michael Cannon MISEA National Center for Policy Analysis Obamacare Opt Out PPACA Richard Burr Richard Foster Rick Perry Saxby Chambliss SCHIP Solutions Studies Texas Texas Public Policy Foundation Tom Coburn Waste Fraud and Abuse
Source: reformmedicaid.org

Sherman, Texas Weather 11:50 AM

I have been butting heads with Texas Medicaid again, and because they have dropped me again from Texas Medicaid, and they have been doing that to other people too. Let me explain, I have Cigna as my primary insurance, and Medicaid as my secondary, and SSI as my financial support, I receive about $714.00 a month from SSI, Medicaid got dropped from me and with the Cigna and SSI, its barely enough to buy the medication, and I wont have enough money left over for other necessities to buy for me for when I leave my parents home, so I been trying get reinstated with Medicaid, but its going to be a hassle but anywho. I hope it all goes well,
Source: mytexoma.com