The Tucson Weekly does fact checking right

Posted by:  :  Category: Medicare

Wall Street by elycefelizWhether Affordable Care Act guts Medicare Advantage is a matter of opinion, but an April Associated Press article noted that this year, premiums are down about 7 percent, while enrollment has climbed nearly 10 percent. And FactCheck.org notes that Medicare Advantage patients “will likely see some of their extra benefits cut and may drop out of the program entirely. But they would still retain the basic benefits to which all current Medicare recipients are entitled.”
Source: blogforarizona.com

Video: 2010 Benefits – Peoples Health Medicare Advantage Plans

Entitlement Reform For the Entitled

But graduated eligibility also accounts for the fact that the rich live longer than the poor, and that the longevity gap is increasing. In 2007, the Social Security Administration did a study of mortality and income. Among 65-year-old men born in 1922, those with income in the top half lived an average of 2.2 years longer than those in the bottom half. But among 65-year-old men born in 1941, those with income in the top half were projected to live an average of 5.3 years longer. Thus, requiring wealthier Americans to wait five more years to claim Social Security and Medicare has the effect of giving an average rich and an average poor person nearly the same number of years of benefits.
Source: nytimes.com

New Study Shows Healthcare Costs Rose in 2010

Historically, each crisis has brought its own government solution, which in time has given rise to new problems necessitating still more government intervention. This all began in 1944, when employers began offering health insurance and other benefits to attract prospective employees because government wage and price controls prevented the payment of higher cash wages. Thus government regulation had the unintended consequence of giving rise to the current system of employer-provided health benefits. In the mid-1960s, President Johnson’s “Great Society” gave us Medicare and Medicaid, which insured millions of senior citizens and in the process drove up the cost of medical care due in part to the third-party payment problems discussed above. In response to high prescription drug costs, President George W. Bush gave us an oddly designed Medicare prescription drug coverage benefit (Medicare Part D). Apart from being excessively complicated, the plan is a great example of the misuse of insurance — Medicare Part D should cover catastrophic drug expenses, not mundane drugs such as Viagra.
Source: thenewamerican.com

Caring When You Can’t Cure

Despite possible negative impacts of undergoing aggressive treatment, it is difficult for patients and physicians to decide when the focus of treatment should transition from curative to palliative. The inaccuracy of doctors’ survival time estimates is a strong indicator of this challenge. In a study examining these estimates, physicians overestimated survival time 63 percent of the time and underestimated 17 percent of the time; the average estimate being 530 percent too high (Gawande 2010). Because of the noticeable uncertainty in predicting the length of a patient’s remaining life and the potential suddenness of death, it is difficult to gauge when curative treatments are more likely to diminish health than restore it and whether these therapies should be administered regardless. Doctors may recognize when curing a disease or prolonging life is no longer a reasonable goal, but often continue to offer treatments, despite possible dangerous side effects and unexpected efficacy. This practice is particularly evident in the treatment of cancer as nearly 40 percent of oncologists report having offered a therapy they believed was unlikely to subside tumors or cure the disease (Gawande 2010). Doctors provide such treatments because they are reluctant to devalue patient optimism. Similarly, patients who are sometimes unable to grasp the probability of death, frequently endure aggressive treatments in hopes of fighting off their disease. Many patients view undergoing chemotherapy and experimental therapies as representations of tenacity and hope. As a result, they are hesitant to reduce curative therapies in favor of pain management therapies, which represent a more ominous prognosis. Some patients may also be influenced to continue treatment as to not disappoint family members, thus increasing likelihood of death in a hospital or ICU#. In situations where doctors have closer personal relationships with their terminal patients, they often provide an array of curative treatments , revealing that doctors also struggle to accept imminent death. The inability of caregivers and patients to recognize when care is detrimental significantly contributes to the excessive use of aggressive treatments.
Source: usc.edu

Medicare at Risk: Visualizing the Need for Reform

I think there are ways to make some cuts and establish limits. As Social worker I have worked many places. One place billed medicare and Medicaid for services. they wanted us to bill 1.25 hours for only 1 hour of service. How is this done. well Medicare has an 8 minute round up so if you bill something for 43 minutes, something for 8 minutes and then 8 minutes it rounds up so that would be 1 hour and 15 minutes. I would require any mental health services with the exception of the initial assessment to not be billed at over 1 hour. I would make anyone wanting to bill 1 hour 15 minutes get a pre authorization this is what private insurance does. Next there are people who are finished with talk therapy and only coming to remain on medications agencies are making them come in to see the doctor every 3 months which is standard. However, they are making medications only people come back every 3 to 4 months to do paperwork when the required paperwork is only due every 6 months. Private insurance does not require this these updates as assumed done when they see their psychiatrist. SO I would not allow these unneeded services to be billed. I would only pay for one initial assessment and then one review of a recovery plan and mental health update every 6 months to be done the same day they see the doctor so the services would bundle. I live in Illinois and a few years ago there were limits as to the number of sessions a Medicaid person could have. The limits were based on treatment history diagnosis. SO someone with a very serious long term illness could come several times a week. A person needing brief focused therapy could attend 6 to 10 times a year and the if they needed more be reviewed. Some places then changed how they coded services to get around these limits. I would reset the limits based on the individuals needs as defined by diagnosis, treatment history. I would also stop medicare and Medicaid from paying for court ordered or recommended treatment. In treatment ordered as a result of criminal court or parole should not be covered by medicare and medicaid. The individual states can decide if they want to fund or create community service programs to allow people to work for the costs of court and treatment. I would also run a very simple report to show that social workers counselor and therapist are only billing for the actual time worked or in direct contact with consumers . the amount of time billed should not exceed 75% to 80% of their work week or something is wrong
Source: heritage.org

How Will the condition Reform affect Medicare benefit Plans 2010?

Eliminate The Open Enrollment period from January 1st to March 31st from 2011 on. If this is approved, Medicare beneficiaries will have only get one opening to change their Medicare coverage while the every year election period from November 1 to December 15 of each year. Payment cuts to advantage plan carriers in 2011 Around 5% in cuts compared to 2010 are anticipated and will most likely be passed on to those enrolled in the plans. So it is to be anticipated that there will be no or very few ‘zero premium’ advantage plans found in 2011.
Source: blogspot.com

Ask The Experts: Retirement

Posted by:  :  Category: Medicare

Grover Norquist "drown the US Government in a bathtub" by EN2008A. You don’t need to immediately enroll in Medicare Part A, although you may want to because there isn’t any cost to you. On the other hand, because you are covered under a group health plan, you can postpone enrolling in Medicare Part B until that coverage is close to ending. Then you can enroll during the eight-month period that begins the first full month that you are no longer covered based on your current employment. The decision about enrolling in Medicare Part B will depend on whether the benefits you will receive now and in the future are worth the cost of the premiums. You’ll have to do a little research to figure that out.
Source: federaltimes.com

Video: Pete Mitchell’s When To Sign Up For Medicare by Pete Mitchell

Do people like Medicare Advantage?

6. Variable Plan Types: In the past, Medicare Advantage plans were often available primarily as HMO plans where services were provided through a specific network of doctors and hospitals that often required referrals to see specialist. Medicare Advantage plans are becoming increasingly  available as; Preferred Provider Organizations (PPOs), which offer a wider choice of providers; Private Fee-for-Service (PFFS) plans that don’t typically have networks, however, providers must accept plan payment and rules; and Special Needs Plans (SNPs) specifically designed for people with lower incomes and/or specific diseases or conditions.
Source: ehealthinsurance.com

Enrollment, not costs, up Medicare, Medicaid spending

Overhauling Medicare and Medicaid won’t help curb health spending, according to a Thursday report (.pdf) from policy research nonprofit the Urban Institute, which concluded that the programs aren’t as “out of control” as some fiscal conservatives have suggested. Enrollment growth in both programs significantly affects spending, much more than the costs, MedPage Today reported. The report authors compared Medicare and Medicaid spending to private insurance, with Medicare enrollment outpacing private coverage because of aging baby boomers, the report stated. In Medicare, per-enrollee spending will rise 2.7 percent each year, compared to 4.9 percent spending growth per enrollee in private plans.
Source: fiercehealthcare.com

Medicare Advantage Enrollment Period Changing

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Source: daveveith.com

ControlYourHealth.com Assisting Medicare Patients Qualify for a Power Wheelchair

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Source: paulsonmanagementgroup.com

Medigap Or Medicare Advantage?

Note that things change every year in the world of US Medicare plans. Medicare.gov and qualified, certified, and licensed local Medicare health insurance agents are great resources. I am not attempting to explain or promote any particular Medicare health plan here. I am simply trying to outline the basic differences between Medigap and Medicare Advantage (MA) plans.  I will provide some clarifications, graphics, and links to resources where you can get more information on specific topics.
Source: over50web.net

Medicare Limits Cancer Treatment Options

Insurance companies, of course, are going to want people to take the least expensive treatment option. That doesn’t mean that the least costly option is always going to be the best one for absolutely everyone. Nineteen states, and the District of Columbia, have made laws that require private health insurance companies to cover the drugs that are designed to fight cancer. The insurers have to cover them without charging patients more than they would if the patient was going to receive intravenous infusion therapy.
Source: families.com

Medicare at Risk: Visualizing the Need for Reform

I think there are ways to make some cuts and establish limits. As Social worker I have worked many places. One place billed medicare and Medicaid for services. they wanted us to bill 1.25 hours for only 1 hour of service. How is this done. well Medicare has an 8 minute round up so if you bill something for 43 minutes, something for 8 minutes and then 8 minutes it rounds up so that would be 1 hour and 15 minutes. I would require any mental health services with the exception of the initial assessment to not be billed at over 1 hour. I would make anyone wanting to bill 1 hour 15 minutes get a pre authorization this is what private insurance does. Next there are people who are finished with talk therapy and only coming to remain on medications agencies are making them come in to see the doctor every 3 months which is standard. However, they are making medications only people come back every 3 to 4 months to do paperwork when the required paperwork is only due every 6 months. Private insurance does not require this these updates as assumed done when they see their psychiatrist. SO I would not allow these unneeded services to be billed. I would only pay for one initial assessment and then one review of a recovery plan and mental health update every 6 months to be done the same day they see the doctor so the services would bundle. I live in Illinois and a few years ago there were limits as to the number of sessions a Medicaid person could have. The limits were based on treatment history diagnosis. SO someone with a very serious long term illness could come several times a week. A person needing brief focused therapy could attend 6 to 10 times a year and the if they needed more be reviewed. Some places then changed how they coded services to get around these limits. I would reset the limits based on the individuals needs as defined by diagnosis, treatment history. I would also stop medicare and Medicaid from paying for court ordered or recommended treatment. In treatment ordered as a result of criminal court or parole should not be covered by medicare and medicaid. The individual states can decide if they want to fund or create community service programs to allow people to work for the costs of court and treatment. I would also run a very simple report to show that social workers counselor and therapist are only billing for the actual time worked or in direct contact with consumers . the amount of time billed should not exceed 75% to 80% of their work week or something is wrong
Source: heritage.org

Blue Medicare RX Value: Blue Cross Blue Shield of Texas Prescription Coverage

To be eligible to enroll , you must be entitled to receive benefits under Medicare Part A and be enrolled in Medicare Part B. In addition, you have to live somewhere in the plan service area in Texas. As always, you cannot enroll in Blue Medicare RX if you are enrolled in any other Medicare Part D plan. Remember, if you are already enrolled in a Medicare Advantage plan, you will be receiving your prescription drug benefits from your Advantage plan. However, if you have Medigap insurance or only Original Medicare (Part A and Part B), you are eligible to enroll in Blue Medicare RX.
Source: texasmedicarehealth.com

Second Guessing Medicare’s Star Rating System

Posted by:  :  Category: Medicare

OBAMACARE WATCH: MORE DARKNESS THAN LIGHT AND OF COURSE TAXES AND PENALTYS by SS&SSBut insurance executives made them a priority after the 2010 healthcare law attached large financial rewards to them. The first round of ratings last fall showed that most have a long way to go. Only 12 earned a perfect score of five, on a scale of one to five, and about 9 percent were below average. The majority received scores of three, or three and a half stars– enough to get them bonus money this year. After 2014, plans will need four or five stars to get bonuses. And if they have fewer than three stars, they won’t be allowed to enroll beneficiaries through Medicare’s website, and risk being booted from Medicare altogether, according to HHS spokesman Tony Salters. 
Source: kaiserhealthnews.org

Video: Older adults need hearing aid coverage!

Does Medicare Cover Hearing Exams and Hearing?

There are two main types of hearing exams: regular (as in a general health check up) and diagnostic. Diagnostic exams are based on medical need, such as a hearing loss due to illness or surgery. The latter type of exam is prescribed by a physician and are generally covered by Medicare because of their basis on medical need. Regular hearing exams, if coded the same as a general health check up exam, are not covered by Medicare.
Source: saveonhearingaids.com

SENIOR POWER: Gerontology 101: Now Hear This

Attention: city fathers, HUD magnates, developers, advocates, and low-income senior citizens. When one’s annual rent recertification is computed, costs associated with purchasing and maintaiing hearing aids may or may not be acceptable as health-related medical expenses. The projects in which they rent should be planned and built with concern for elders’ needs as they relate to dizziness, maintenance of balance, propensity for falls, and less-than-normal hearing… railings on both sides of corridors on all floors, smoke and fire alarms that can be heard and seen from every nook and cranny, flooring that is not slick or slippery, more than one elevator. Lights and heat should be maintained in community rooms.  
Source: bullywise.com

How do you Feel About Medicare?

“As a geriatrician, I can’t say I’m surprised,” Dr. Kelley said. “I’m aware of what Medicare doesn’t cover” — eye care and glasses, dental care and dentures, hearing aids, insurance costs, nursing homes and most other long-term care, co-payments for doctors, drugs and hospitals. Families, unlike geriatricians, often are surprised — shocked, in fact — by what Medicare doesn’t cover. For the elderly in this sample, out-of-pocket costs over five years totaled an average $38,000 (the median was $23,000). Original here
Source: mostmedicare.com

Hearing Aids Medicare Covered

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Source: southlakehearing.com

Can You Hear Me Now? How To Deal With Hearing Loss

With “roughly one-third of Americans 65 to 74 years of age” and “47 percent of those 75 and older” having some degree of hearing loss, this is an important topic for Medicare beneficiaries.1 Medicare helps cover the cost of hearing exams if your doctor or other health care provider orders them to see if you need medical treatment. You would pay 20% of the Medicare-approved amount, and the Part B deductible will apply. In a hospital outpatient setting, you would also pay the hospital a copayment. Although Original Medicare does not cover hearing aids or exams for fitting hearing aids, many Medicare Advantage Plans offer additional benefits. If you are currently enrolled in a Medicare Advantage Plan, like an HMO or PPO, you may want to review your plan’s Evidence of Coverage, or call the plan directly to find out what hearing exam benefits they offer. Working in partnership with your physician can help you determine the cause of your hearing loss, and help you find the treatment will best meet your specific medical needs.
Source: joppel.com

HEARING AID INSURANCE: MEDICARE AND QUALITY OF LIFE

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Source: elderauthority.com

Michigan Medicare Supplemental Coverage

Posted by:  :  Category: Medicare

32.Detroit by Tomato GeezerAs the largest insurer in Michigan, Blue Cross already uses one percent of what it collects in premiums to help lower the price for people with Medigap insurance to supplement their Medicare coverage. Blue Cross Blue Shield Medicare Supplement representatives say that this translates into a 39-percent discount, which is currently being evenly distributed to those with Michigan Medigap policies. Blue Cross is requesting to skew that distribution in order to make the largest discounts available those who need the most help.
Source: michiganmedicarepros.com

Video: Lowest Rates Of Michigan Medicare Supplement Providers

Michigan: Medicare Of Michigan

Even if a rent to own. But in the medicare of michigan and Réunion in the medicare of michigan. Over ten million people reside in Michigan. Some of the blueshield of michigan. Legislators grew alarmed in fear that Public Act 48, legislation that promised bounty money for beet sugar harvest. By doing so, Pingree heralded a period of speculative investment in beet sugar industry. He also co-founded the cccs of michigan and serving on the medicare of michigan to end their season. When Saturday started, Penn State was 9-0 and ranked No. 3. After getting upset by Iowa 24-23 in Iowa, Michigan State to a long way toward replacing jobs lost by the medicare of michigan. Supreme Court rejected an appeal on grounds of jurisdiction. The court’s decision was not only held but scored to help you need to offset your defaulted mortgage payments to your creditor.
Source: blogspot.com

BEVERLY TRAN: Michigan Proposal To Merge Medicaid and Medicare Forgot Oversight

Michigan is one of 15 states that was chosen for policy development of the integrated care model under the Affordable Care Act, or more readily recognized as “Obamacare”. This is the first stage of examining a single payer model. I sit on the State Medicaid Advisory Group and have worked on this. Unfortunately, no one wanted to hear me on integrating a violation mechanism to the attorney general as there is no operational oversight component of the integrated model. The state Medicaid Fraud Control Unit, which does nothing, will not have jurisdiction with this proposal and neither will the Medicaid Integrity Program. Medicaid and Medicare fraud is outrageous in Michigan. That is why the H.E.A.T. task force, the DOJ and HHS OIG partnership. has Detroit as one of the first five cities to launch the task force. I also have concerns that there are no complaint or exclusionary databases recommendations for quality improvement measurements for delivery and efficiency of services. Michigan seems to be bucking for the Managed Fee for Service model.  Unlike the Capitated model where the state, CMS and a health plan enter into a percentage payment formula, the “managed” model would find ways to save money by reducing costs.  Michigan has already taken legislative initiatives to begin to benefit off its “gaming-the-system” law. Michigan could “reduce costs” if it would admit it has a severe false claims issue.  Would it not make sense to use the single audit to improve a single payer system?
Source: blogspot.com

Two Health Care Nonprofit Co

Modern Healthcare: Add Michigan, Nevada To CO-OP List Michigan and Nevada on Friday became the latest states to receive Consumer Operated and Oriented Plan, or CO-OP, loans from the CMS, bringing the award total to more than $982 million for these not-for-profit insurers created by the Patient Protection and Affordable Care Act. Directed by customers, CO-OPS are supposed to offer both small businesses and individuals more-affordable health insurance options and will be offered through the health insurance exchanges or in plans outside the exchanges starting on Jan. 1, 2014 (Zigmond, 5/18).
Source: kaiserhealthnews.org

The Big 3 Liens: Medicare, Medicaid, and Friend of the Court

Our experience shows that the best way to speed up your settlement is by planning ahead. You can track your Medicare claims by going to mymedicare.gov. You can also request a letter from the State of Michigan regarding its Medicaid lien. Be honest about past child and spousal support obligations so that a plan of action can be made.
Source: workerscomplawyerhelp.com

Upcoming CMS Jurisdiction 8 Medicare Contractor Change

The Centers for Medicare and Medicaid Services (CMS) has awarded the Medicare Administrative Contractor (MAC) Jurisdiction 8 contract to Wisconsin Physician Services (WPS). The clearinghouse is currently working with WPS to obtain additional transition information and will send additional notifications as soon as they are available. Providers must be aware of the following: Transition dates to Wisconsin Physician Services (WPS): CPID 1461 Michigan Medicare Part B – 07/16/2012 CPID 3515 Michigan Medicare Part A – 07/23/2012 CPID 3500 Indiana Medicare Part A – 07/23/2012 CPID 1445 Indiana Medicare Part B – 08/20/2012 Contractor number changes: Providers only need to include the CPID (not Contractor Number) in the claim. The clearinghouse will manage the Contractor Number changes for our customers. CPID 1461 Michigan Medicare Part B – current payer ID 00953 to 08202 CPID 3515 Michigan Medicare Part A – current payer ID 00452 to 08201 CPID 3500 Indiana Medicare Part A – current payer ID 00130 to 08101 CPID 1445 Indiana Medicare Part B – current payer ID 00630 to 08102 Providers should be aware of the transition and watch for future notifications regarding this transition. If you have any questions, please contact Client Services at 1-888-348-8457, option 2.
Source: collaboratemd.com

Michigan's Integrated Care Proposal: Michigan Attorneys

On April 26, 2012, the State of Michigan submitted its Integrated Care Proposal (Pilot Program) to the Centers for Medicare and Medicaid Services (CMS), for review and approval.  The Pilot Program is Michigan’s plan to jointly manage the care of approximately 200,000 residents who are eligible for both Medicare and Medicaid.  The Pilot Program submitted to CMS is not yet available on the Internet for public review.  However, the Department of Community Health has prepared a list of FAQs about the Program on its website.
Source: healthlawyersblog.com

Women Jailed for U.S.$1.9 Million Medicare Fraud

Hassan and the co-owner of Jos Campau Physical Therapy sold the fictitious physical and occupational therapy files to multiple fraudulent therapy companies that had obtained Medicare provider numbers. Those companies billed the fictitious files created by Jos Campau Physical Therapy to Medicare and paid kickbacks to Jos Campau Physical Therapy based on these billings. Hassan and her co-owner split the profits from the sale of the falsified files.
Source: ptmanagerblog.com

High Deductible Plan F Michigan Medicare Supplement in Ypsilanti, Michigan

The high deductible F plan has had a tremendous response here within Michigan.  You get the complete coverage of the plan F, after a out of pocket deducitble that you have.  So what does that mean?  After roughly $2000 of your charges that you pay (changes with each company that has has the High F), you get the complete coverage of the Plan F with a deeply reduction in monthly premium.
Source: cheapinsuranceinmichigan.com

Dozens of Michigan Residents Charged in Medicare Fraud Crackdown

(WASHINGTON) — Twenty-two Michigan residents are among over 100 people charged in a nationwide crackdown targeting Medicare fraud. The exercise was carried out by the Medicare Fraud Strike Force, with officials listing doctors, nurses and other licensed medical professionals among those who have been charged. Those facing charges are accused of offenses such as conspiracy to commit health care fraud, health care fraud, violations of the anti-kickback statutes and money laundering. Authorities say a total of 107 people in various U.S. cities have been charged for allegedly participating in Medicare fraud schemes involving approximately $452 million in false billing. The 22 individuals charged in Michigan are alleged to have participated in schemes involving approximately $58 million in false claims for unnecessary medical services, such as home health, psychotherapy and infusion therapy. Copyright 2012 ABC News Radio
Source: abcnewsradioonline.com

CMS Sticks With Medicare Coverage Of PSA Test

Posted by:  :  Category: Medicare

2011 Health Innovation Summit 2542 by tedeytanLive Insurance NewsGains in Health System Seen as Lasting by SomeNew York TimesWASHINGTON — The new health care law is already transforming the way care is delivered, and the changes will continue regardless of how the Supreme Court rules on the mandate for most Americans to carry health insurance, a Democratic senator and an …Higher Prices Charged By Hosp […]
Source: 247healthnews.net

Video: Kaiser Medicare Part D Insurance – Compare to over 180 Comp

Targeting Diabetes Prevention Among Medicare Beneficiaries

To Hospitalize or Not to Hospitalize? Medical Care for Long-Term Care Facility Residents Chronic Disease and Co-Morbidity Among Dual Eligibles: Implications for Patterns of Medicaid and Medicare Service Use and Spending Medicaid Financial Eligibility: Primary Pathways for the Elderly and People with Disabilities State-Specific Data Number of Dual Eligible Beneficiaries Medicaid Income Eligibility Requirements for the Aged, Blind, and Disabled Comprehensive Medicaid Managed Care Activity for Dual Eligibles Additional state-by-state data about dual eligible beneficiaries, spending trends and service use are available in the Medicare and Medicaid topic areas at statehealthfacts.org. Managed Care and Dual-Eligible Beneficiaries Medicare Advantage 2011 Data Spotlight: Special Needs Plans: Availability and Enrollment A Profile of Medicaid Managed Care Programs in 2010: Findings from a 50-State Survey Briefings and Webcasts June 3, 2011 Caring for People Covered by Both Medicare and Medicaid: A Primer on Dual Eligible Beneficiaries October 10, 2010 Improving Care and Reducing Costs for Medicare Beneficiaries in Nursing Homes Source: kff.org
Source: medicaresupplementalco.com

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

How to Find a doctor Who Accepts Medicare Or healing

Finally once you spend the time searching for a doctor that fits you needs then you will feel great that you took the time to have a great provider. There are many doctors that accept this type of insurance. It is all the time a good idea to check with house and friends to get a reference because they can tell you if there doctor is good or not.
Source: blogspot.com

What is Supplemental Medicare and Who offers it in California?

To be eligible for supplemental Medicare policy, it is required for you to enroll in part A and B of original health insurance policy. Either you can opt for these plans during open enrolling period or you can undergo medical screening and buy the policy individually. The supplemental Medicare plans in California are sold by private insurance companies which are allowed to offer 12 such standard plans. Each plan comes with different benefits though all the benefits cover under part A and B are also found in all these insurance plans (because they are part of basic health insurance plan). Those planning to enroll for supplemental Medicare policies in California should be aware there are some terms and conditions to participate in the same. If you have enrolled in Standalone Part D, you cannot continue to avail drug coverage. Whichever company in California you buy the supplemental Medicare plan from; the plans offer the same benefits though the premium may vary.
Source: kaiserpermanentelocations.com

Examining Healthcare Costs

The research will add to a debate over whether the recent slowdown in medical spending is the temporary result of a bad economy or a more lasting shift due to higher deductibles and other changes, said Martin Gaynor, Chair of Governing Board of the Health Care Cost Institute and E.J. Barone Professor of Economics and Health Policy at the Carnegie Mellon University. While insurer costs climbed 2.6 percent in 2010, employees’ share rose by 7.1 percent. In the period studied, insurance company and individual policyholder spending rose at almost twice the rate of growth for the Consumer Price Index. This is a rich data source that will continue to provide a treasure trove of analysis.
Source: healthcareitnews.com

Targeting Diabetes Prevention Among Medicare Beneficiaries

One program in particular that has gained momentum since 2002 is the YMCA’s Diabetes Prevention Program. The DPP is a lifestyle intervention program that operates in 25 states, caters to pre-diabetics with a physician’s referral and has been shown to delay the onset of diabetes by 58 percent. Thorpe said that intervention models like these, that usually cost around $275 per person, should be scaled nationally and incorporated into the Medicare program as a covered benefit.
Source: signsfordiabetes.com

Aging with Grace CareConnection: Fewer physicians accepting Medicare and Medicaid

All too many times overwhelmed caregivers are physically and emotionally depleted and need to take time to rest and care for themselves. Believing in a holistic approach to caregiver stress and a strong commitment to helping our members find the right solutions, we created this blog to help you connect with others who, like you, may be facing the same eldercare issues and challenges. Feel free to comment, ask questions, and submit articles. Please forward the blog link to your family and friends. They’ll be glad you did. Warm regards, Patricia Grace founder & CEO Aging with Grace
Source: blogspot.com

What’s next for Los Angeles Medicare Supplement Rates

Posted by:  :  Category: Medicare

The 2012 Medicare Supplement Rates in Los Angeles County are not the lowest in California although with the continued growth in new customers turning age 65 in Los Angeles, my feeling is the L.A. area will continue to see consistent rates over the next several years.  Not the wide swinging ups and downs in other parts of the country.  Anthem Blue Cross is the carrier I think will continue to stay competitive in Los Angeles County, along with their Anthem Extras Dental & Vision packages, their Anthem Medicare PPO plan and their Medicare Part D Rx plans all continuing to stay very popular over the coming years.
Source: johnconner.com

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

Blue Cross Blue Shield Medicare Supplement Plans: Under age 65 « Insurance News from Crowe & Associates

United/AARP will offer plans to those under age 65 as well but only down to age 50. For those on Medicare age 50 to age 64, AARP will offer plan A, B and C.   Plan A has the exact same benefits as the Anthem plan A discussed above.  Plan B covers the same thing as plan A supplement but also will cover the Hospital Part A deductible.  Plan C covers Basic benefits, 20% coinsurance, Part A and B deductibles and skilled nursing facility.  With the extra coverage comes additional cost as plan C with AARP costs over $230.00 a month
Source: croweandassociates.com

Blue Cross Blue Shield of Texas Medicare Supplement Quote

These days, everyone is looking for a way to save a few dollars. With a major carrier like BCBS of Texas, you can save money because they’re able to offer competitive pricing where other smaller companies cannot. When you have a large, loyal customer base, it’s easy to offer deals. This is good for the consumer because it lowers the cost of insurance. Smaller companies do not have the same access to lower pricing because they need to make up for less revenue by keeping prices high. Stay with BCBS of Texas to get competitive pricing and rest assured you’re getting top quality at great rates.
Source: medicareinsurancetexas.com

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

The latest Blue Cross Blue Defend Settlement Raises Seniors Medicare Supplement Insurance protection Premiums

This is the realistic valid reason why it is necessary for seniors to researching the providers they decide on earliest, well before diving in and transforming into a customer. Not only could it preserve you quite a lot of revenue all 12 months, it will help you save you the headache of acquiring letters from these insurance coverage enterprises saying they are taking amount increases in the up coming couple months. Regardless of what Medicare Health supplement Insurance agency you go with, all of them acquire rate increases just about every and each year, even though some a lot more than most people. That is why it is perfect to go with an agent to sign you up on a new software so that they can store round the ideal costs, and get you with the greatest rated supplier that is not going to just take big charge boosts each and every time you look and feel at your future statement.
Source: whatiscrm.us

The latest Blue Cross Blue Protect Settlement Raises Seniors Medicare Supplement Insurance protection Premiums

This is the authentic purpose why it is really important for seniors to investigate the merchants they decide upon to begin with, prior to diving in and getting a client. Not only could it conserve you a lot of income each individual yr, it will help save you the headache of obtaining letters from these insurance suppliers expressing they are getting charge improves in the subsequent several months. Regardless of what Medicare Health supplement Insurance protection enterprise you go with, all of them get amount improves every single and almost every year, although some a whole lot more than many others. That is why it is outstanding to go with an agent to indication you up on a new software so that they can shop all-around the very best charges, and get you with the greatest rated service that is not planning to choose massive fee raises each and every time you look and feel at your future statement.
Source: apostoliccm.com

The latest Blue Cross Blue Protect Settlement Raises Seniors Medicare Supplement Insurance protection Premiums

This is the authentic explanation why it is essential for seniors to homework the companies they select to start with, just before diving in and growing to be a consumer. Not only could it conserve you quite a lot of dollars every last yr, it will help you save you the headache of obtaining letters from these insurance coverage organisations saying they are getting amount increases in the following several months. Regardless of what Medicare Health supplement Insurance provider you go with, all of them get amount increases every single and every year, although some more than people. That is why it is remarkable to go with an agent to indication you up on a new software so that they can store roughly the greatest charges, and get you with the greatest rated small business that is not planning to just take large fee raises every time you glimpse at your upcoming statement.
Source: smartaero.co

Blue Cross Georgia Medigap

We do everything we can to make life simple for you. We have the ability to show you Blue Cross Georgia Medigap rates along with other Medicare supplement plans if you wish. Most of our clients only want to see the lowest rate for the best plans.
Source: georgia-medicareplans.com

AMA Job Bank: Marketing: Management jobs, Phoenix jobs, Arizona jobs, Marketing Manager, Bilingual at Blue Cross Blue Shield of Arizona

Blue Cross Blue Shield of Arizona is a local, independent and not-for-profit health insurance company headquartered in Phoenix. Founded in 1939, the company has more than 1,500 dedicated employees throughout its Phoenix, Tucson, Tempe and Flagstaff offices. Providing health insurance products, services and networks to more than 1 million Arizonans, Blue Cross Blue Shield of Arizona offers various health plans for individuals, families, and small and large businesses. Blue Cross Blue Shield of Arizona also offers Medicare supplement plans to individuals over age 65. Blue Cross Blue Shield of Arizona helps to fulfill its mission of improving the quality of life of Arizonans by delivering a variety of health insurance products and services to meet the diverse needs of individuals, families, and small and large businesses as well as providing information and tools to help individuals make better health decisions. Marketing Manager, Bilingual Fifty percent of the responsibility of the position will be dedicated to the management of the Hispanic Market Segment and the remaining 50% to general market segments/or lines of business as determined by management. The Marketing Manager, will oversee the management and success of customer acquisition and retention strategies, in order to execute multi-faceted marketing and advertising campaigns aimed at achieving business goals. This position is responsible for collaborating with marketing management to develop and execute advertising strategies, plans and tactics in support of both line of business/segment marketing plans and product marketing goals. This manager is also responsible for measuring the results generated by advertising efforts and managing the return on investment of such efforts to the company. This position will manage campaigns through creative development, production, campaign implementation, tracking and analysis. The Manager of Marketing will directly contribute to, and have a thorough understanding of, the marketing and sales department goals and metrics (revenue, cost, profit, margin), and will be responsible for assisting management with the forecasting of campaign performance. Similarly, this position will support the in-depth analysis of marketing campaign performance in order to optimize/grow results based on learning. To achieve this, it is expected that the Manager of Marketing will introduce new strategies, plans, ideas and innovations to continually optimize and achieve positive ROI. The manager of marketing will have a proven track record in Hispanic marketing plan development, execution and ROI analysis; segment marketing and/or direct marketing experience and demonstrated success; experience in marketing/advertising with emphasis on Hispanic culture; strong strategic marketing and financial skills; ability to manage and develop strategic alliances; Bi-lingual (Spanish) at advanced level and strong oral and written interpersonal and communication skills. Specific Duties and Responsibilities:
Source: marketingpower.com

Medicare Supplement Insurance coverage

Posted by:  :  Category: Medicare

Try new Ryan Plan Senior Food - coming to a Republican Congress near you by EN2008As a general rule, Medicare supplement insurance will cover up to 80% of certain varieties of health-related treatments, hospitalizations, medical equipment and so on. The exact quantity of cover will rely on whether you have solely Medicare Part A coverage or whether you have opted for optional Component b coverage as properly. Even with additional Element B coverage a lot of folks are still forced to pay out substantial out of pocket expenses to cover the remaining twenty% not covered by Medicare. This gap is referred to as the co-payment sum and quite frequently individuals just do not have the cash to pay it in cash. There are a range of Medicare supplement insurance policies, or medigap as they are typically known as on the marketplace, exclusively created to aid individuals pay the co-payment sum and despite the fact that they could be managed by diverse businesses, every policy must fall beneath the tips of Medicare. There are currently twelve present standardized Medicare supplement insurance coverage plans which are also referred to as Medigap. The plans are labeled ‘A’ via to ‘L’ and offer various advantages at varying costs based on the co-payment required by the user. Even though the degree and kind of cover supplied in every single plan differs, each and every Medigap strategy should give simple Medicare benefits as a minimum. There is also an additional alternative obtainable known as Medicare Select which is a Medicare supplement insurance coverage policy that is much less high-priced than other plans. The only drawback to Medicare Select is that you are restricted to specified physicians and hospitals for your wellness care needs. The positive aspects inside of each and every of the twelve Medigap plans do not differ from firm to organization if you buy a plan ‘A’, it will be identical no matter which company you use. Nonetheless, premiums can fluctuate significantly from business to firm and paying a higher premium will not make sure that you obtain something more than and over what is integrated in the standardized strategy. The finest time to get a Medicare supplement insurance coverage policy is during the first 6 months after enrolling in Medicare Component B. This is the only circumstance where Insurers are obliged to accept you regardless of any pre-existing well being conditions. Premiums for Medigap policies are set by the following strategies Attained age: This creates the lowest premiums, specifically for those just turned 65. Even so, premiums do boost as you get older, usually every single one, three or 5 years, extremely usually reaching their highest point when you can least afford them. Issue age: Premiums are based on your age at the time of acquire and will not improve as you get older. Neighborhood-rated: Everybody in the identical geographic area pays the very same premium regardless of age. It must be noted that every January 1st Medicare’s rewards are adjusted to keep up with inflation and as all Medigap positive aspects are co-ordinated with Medicare’s, premiums for Medicare supplement insurance plans normally enhance each year above and over any increases described above. Our site has a massive sum of up to date details about medigap expense and crucial medicare concerns. Keep informed on this crucial issue.
Source: blogspot.com

Video: Shop and Compare Medicare Insurance Plans

Physicians Result in the Drive For any National Medical health insurance Plan » Yapperz

At this time there are thousands of Ough.S. doctors are asking the federal government to provide resources for nationwide coverage of health, which they believe could possibly include the treatment needs of all People in america whilst saving a substantial amount of cash. Following healthcare reform disintegrated within Congress during the Clinton administration due to the fierce lobbying from the medical, pharmaceutical drug as well as insurance industries, physicians deal which private sector solutions for healthcare reform have proven unsuccessful. The prescription medication advantage, now becoming touted in Our elected representatives, made to assist handicapped as well as more mature People in america, might, according to these doctors, not provide much advantage to consumers, as well as might really immediate extra federal government money in order to privately owned businesses. Exactly what the physicians tend to be proposing is actually putting a single payer program in position, essentially expanding and improving Medicare insurance which is the government’s present healthcare system for disabled and elderly people. Calling themselves the 1 accurate savior associated with health care, wellness maintenance businesses, possess, actually, discovered on their own widely resented in our society, whilst adding billions of dollars in order to Medicare insurance costs. Made up of the ideas of marketplace efficiency, hospitals of revenue driven traders have been affected by constant scandals. Physicians tera gold contend that pharmaceutical companies as well as medication manufacturers, which have created the largest profits and also compensated minimal quantity of taxes in the past, market medicine at a rate that most individuals can’t cheap tera gold afford while they require all of them. Among the original proposals that advocated the single payer program was written up in the Journal of drugs. The gathering of physicians rallying for any nationwide wellness strategy was organized by the previous publisher of a prominent United states healthcare publication and 2 prior surgeons general. It’s been pointed out with a lecturer from Harvard Medical School the current product is obviously self-destructing and won’t have the ability to carry on the way it continues to be. We’re not claiming that the solitary payer product is perfect choice; it is said that it turns out to be the only real useful option. And yet based on their recognized declaration, the Ama appears against a single payer health care agenda, the current president insists. He said which putting a solitary payer system into action in the usa, that will more than replace with the problems right now plaguing the current system in position within the Ough.S. He made mention of substantial periods of time within expecting health care providers, a pokey response to take on management of amenities as well as technology, the development of the sizable bureaucracy that could create a slowing in the energy associated with patients and their doctors more than medical decisions — which tend to be characteristics of the single payer program. The United states Association associated with Wellness Plans, a lobbying group that has scarves towards the handled treatment business, highly is contrary to the actual doctors’ plan on the causes it might remove for-profit hospitals as well as healthcare teams. The American Medical Association statements the quantity of physicians thinking about filling out the post for a solitary payer system is lower than 1% of the thousands of physicians within the U.S. The fact that many physicians now support national medical health insurance buy tera gold for all Americans, is persuasive, according to 1 physician, because these had been exactly the same physician’s which had previously been in opposition to this.
Source: yapperz.com

CMS Sticks With Medicare Coverage Of PSA Test

Live Insurance NewsGains in Health System Seen as Lasting by SomeNew York TimesWASHINGTON — The new health care law is already transforming the way care is delivered, and the changes will continue regardless of how the Supreme Court rules on the mandate for most Americans to carry health insurance, a Democratic senator and an …Higher Prices Charged By Hosp […]
Source: 247healthnews.net

HealthPlanOne Announces Travel Series on Medicare Benefits

The second article releasing June 5, Cruising With Medicare: Know Which Benefits are Covered Before You Set Sail, provides instruction on what to do when faced with both emergency situations and non-emergency treatments, details special benefits for people on cruise vacations, outlines potential gaps in Medicare coverage while in international waters and foreign ports of call. This article also includes essential details, such as how your distance from a U.S. port impacts which services may or may not be coved by Medicare. Lastly, key tips relevant to cruise ship travel to ensure a more enjoyable vacation are also included.
Source: cheapesttravelinsurance.org

Gerber Life Insurance Medicare Supplement Plans

With this option for a consumer spirit by offering quality services in obtaining and comparing quotes from several life insurance rates from our major life insurance policies require a fast everyday living protect those you looking for the upkeep of life. We cannot expect only the protection policies side by side online. Why Get Online life in order to attain affordable and loved ones it might actually offer therefore most suitable for your current desires. Look for Term Life Insurance you will have financial future of you in case your gerber life insurance medicare supplement plans situation. You can also borrow against cash value. Term life insurance provides life insurance policy
Source: insuranceadviceblog.com

Medicare Supplement Insurance Plans Beneficial For Senior Citizens

The Medicare health insurance and the Medicare Supplement Insurance plans have a huge difference. A supplement insurance plan is highly beneficial at the time of emergency but is a bit expensive. A supplement insurance offers a huge range of features to those who are above the age of 58 whereas few insurance companies offers a few Medicare health indemnity to the individuals in the same age category. To avoid the investment in medical expenses having an insurance plan is very essential. Before purchasing a policy an individual should study all the features of the plan carefully, this will help him to avoid further inconveniences regarding the same. Demonstrating each and every details of the plan is the job of the service provider, but still if an individual is already having proper knowledge about the plan, then it would be easy for that particular individual to understand the plans better. The Medigap Insurance Rates may seem to be very high for a few individuals, but proper research in the same will help him in finding out a low-cost plan which will serve the need of that individual.
Source: varinap.com

Amalgamated Life vs Humana Insurance Company

In the realm of insurance, multiple options and flexible plans lead to a successful company. Each of the companies discussed provides excellent coverage: group coverage plans for Amalgamated Life, Medicare for Humana. Each provider also offers benefits that the other does not: Amalgamated Life offers life and stop loss, while Humana offers Medicare options. Both companies represent a wide variety of assistance for the average consumer and encourage individuals to thoroughly research the options available to them.
Source: insuranceproviders.com

Do people like Medicare Advantage?

6. Variable Plan Types: In the past, Medicare Advantage plans were often available primarily as HMO plans where services were provided through a specific network of doctors and hospitals that often required referrals to see specialist. Medicare Advantage plans are becoming increasingly  available as; Preferred Provider Organizations (PPOs), which offer a wider choice of providers; Private Fee-for-Service (PFFS) plans that don’t typically have networks, however, providers must accept plan payment and rules; and Special Needs Plans (SNPs) specifically designed for people with lower incomes and/or specific diseases or conditions.
Source: ehealthinsurance.com

House Republican Plan to Overhaul Medicare Opposed by Original Advocate

While Ryan’s plan does put a limit on the number and variety of plans that insurance companies could offer, it’s important to consider a few things. A full 25 percent of beneficiaries are already enrolled in private plans through Medicare Advantage. In 2012, however, Medicare will still spend 7 percent more for beneficiaries enrolled in Medicare Advantage plans than if those beneficiaries were in traditional Medicare. And as Center for American Progress Managing Director of Health Policy Topher Spiro has argued, “There is no evidence that private plans provide better quality than traditional Medicare, and the quality of private plans is highly uneven.” The example of Medicare Advantage demonstrates that premium support plans would likely cost more without guaranteeing increased quality of care.
Source: americanprogress.org

Understanding More about Medicaid Dental Insurance

Posted by:  :  Category: Medicare

Medicaid health insurance plan that includes as well Medicaid dental insurance that you are willing to benefit from as well present the following medical treatments that you can get coverage for: dental care, family planning, eye care, prescriptions drugs, visits to doctors and other professionals working in medical care, check ups, renal dialysis, home health care, laboratory and X-rays, transplants and treatments associated with them, nurse midwife, transportation costs, mental health and addiction treatment, and well-child visits.
Source: tips-advice.ro

Video: Health Insurance Information : About Medicare Dental Benefits

Medicare Teen Dental Plan

With Medicare not providing much help with dental care for most people, many families struggle to afford dental cover. This can be worrying for parents, as it may mean that youngsters struggle to maintain good oral health later on as they have not got into the habit. The Australian government has recognised this concern, and introduced the Medicare Teen Dental Plan in 2008. This is designed to make annual dental check-ups more affordable and get teenagers used to taking care of their teeth.
Source: com.au

Amalgamated Life vs Humana Insurance Company

In the realm of insurance, multiple options and flexible plans lead to a successful company. Each of the companies discussed provides excellent coverage: group coverage plans for Amalgamated Life, Medicare for Humana. Each provider also offers benefits that the other does not: Amalgamated Life offers life and stop loss, while Humana offers Medicare options. Both companies represent a wide variety of assistance for the average consumer and encourage individuals to thoroughly research the options available to them.
Source: insuranceproviders.com

Dental Insurance: Medicare Dental Insurance

Insurance companies today offer two kinds of dental care than the medicare dental insurance in urban areas. Furthermore, the medicare dental insurance of minorities which were born in US. But the medicare dental insurance that were born outside the medicare dental insurance to have no insurance. Nevertheless, white children that had no health insurance policy. If it’s not a priority. If you follow an Indemnity plan, your dentist might be shocking to hear but it has been processed or not. If it is hard to find for the medicare dental insurance that you need. If you find quotes that allow you to have a certain percentage off your dental care is covered. Along with researching the medicare dental insurance, you will find different payment plans and looking into your needs. For some, a dental discount plan you would health insurance… you would possibly pay a significant gain taking out a group insurance, however, generally speaking, it will cover your needs for the medicare dental insurance be made to make decision, first thing first, what you choose.
Source: blogspot.com

Baby Boomers U. S. (The Blog)

Be sure your dentist takes your plan. If you have a preferred dentist, find out what plans they accept before you enroll in a plan. Websites like eHealthInsurance, and the licensed agents in their call center, can help you search for plans with your dentist in them. Stand-alone dental insurance policies are typically going to give you a far better price for services performed by dentists in their network. Almost all policies use a tiered cost-sharing system, and you pay the least out of pocket for services when you use a dentist from the plan’s network.
Source: babyboomersus.net

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

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

Do people like Medicare Advantage?

6. Variable Plan Types: In the past, Medicare Advantage plans were often available primarily as HMO plans where services were provided through a specific network of doctors and hospitals that often required referrals to see specialist. Medicare Advantage plans are becoming increasingly  available as; Preferred Provider Organizations (PPOs), which offer a wider choice of providers; Private Fee-for-Service (PFFS) plans that don’t typically have networks, however, providers must accept plan payment and rules; and Special Needs Plans (SNPs) specifically designed for people with lower incomes and/or specific diseases or conditions.
Source: ehealthinsurance.com

What’s next for Los Angeles Medicare Supplement Rates

The 2012 Medicare Supplement Rates in Los Angeles County are not the lowest in California although with the continued growth in new customers turning age 65 in Los Angeles, my feeling is the L.A. area will continue to see consistent rates over the next several years.  Not the wide swinging ups and downs in other parts of the country.  Anthem Blue Cross is the carrier I think will continue to stay competitive in Los Angeles County, along with their Anthem Extras Dental & Vision packages, their Anthem Medicare PPO plan and their Medicare Part D Rx plans all continuing to stay very popular over the coming years.
Source: johnconner.com

Medicare Advantage Enrollment Period Changing

Posted by:  :  Category: Medicare

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Source: daveveith.com

Video: 2012 Medicare Part D Annual Enrollment Period

news: Medicare Supplement Plans

Medicare may be a federal program that gives medical and overall health insurance coverage to citizens age 65 or older. Medicare will not cover all health care and health and wellbeing care related prices. supplement Insurance coverage For Medicare, also known as Medigap insurance, might help spend for many of the costs that Medicare does not cover.Medicare supplement insurance options are strictly regulated by federal law. All common medigap policies should supply an identical deal of benefits. The law can provide for twelve regular strategies. The regular options fluctuate from a smallest benefits routine (program A) to your biggest advantage routine (plan L).One of the best time to buy a medigap policy is inside of six months of joining Medicare aspect B. That is as a result of according to law the insurance coverage firm need to accept you even though you could have a previously existing health care issue. Some insurance coverage sales everyday people will endeavor to market a common medigap insurance strategy by declaring it has a superior benefit package. In accordance with federal law all supplement policies will have to be the same. Only the premiums are generally a variety of from service to company. That is why it can be essential to shop close to for that preferred deal.Co-pays, co-insurance and deductibles most be analyzed earlier than creating a buying selection. A deductible could be the sum you may be accountable for paying whenever you have a well being care associated expense. For example, with an one particular hundred dollar method you might have to pay the first twenty dollars or twenty % plus the insurance coverage provider pays eighty bucks. A co-pay is mostly a fixed charge you need to shell out on a per treatment method foundation. For example, your policy could call to suit your needs paying a ten dollar co-pay for every visit to a health care provider. Co-insurance is just about exactly the same factor like a co-pay except as an alternative of being a fixed expense it is actually base on a proportion.Deductibles, co-insurance and co-pays further complicate the buying resolution. Deductible and co-pays that happen to be beyond your spending budget renders a medigap policy useless. It’s significant to study and entirely fully understand the terms of a policy previously you spend money on it. Do a whole lot more than only hear to a product sales agent pitch. Ensure you fully understand what you’ll have to pay in deductibles and co-pays previous to you signal to the dotted line.The well being care reform legislation that was not long ago enacted by congress as well as Obama administration has modified many of the common Medigap insurance strategies beginning June 1, 2010. It truly is crucial to learn about these adjustments or to meet which has a professional Medicare advisor who will help you. The official Medicare internet internet site presents a large amount of useful content to educate oneself concerning Medicare and supplement insurance options.supplement insurance for Medicare is often a troublesome and complicated topic for most men and women to know. The legal and insurance technical terms are problematic and foreign to your lay particular person. Some sales persons distort the truth and do not fully understand the goods themselves. Making sure you could have fine health coverage in your own senior a long time is extremely important and vital. This is why it truly is critical to try and do your homework, store close to and entirely appreciate any policy you acquire.Read additional information on Medicare Supplement Plans. Stop by GoMedigap where you can find all about Medicare Supplement Plans and what it is capable of doing for your needs.
Source: blogspot.com

The Medicare Annual Enrollment Period Myth

This entry was posted in Uncategorized and tagged annual election period, annual enrollment period, compare, how to change medigap plans, how to change plans, how to switch medicare supplement companies, medicare, medicare advantage, medigap, part d, plan, plans, quote, quotes, supplement, supplemental, when can you change medicare supplement plans, when can you change medigap plans, when can you switch medicare plans, when is the medicare annual enrollment period, when is the medicare annual enrollment period this year. Bookmark the permalink.
Source: medicare-supplement.us

What’s next for Los Angeles Medicare Supplement Rates

The 2012 Medicare Supplement Rates in Los Angeles County are not the lowest in California although with the continued growth in new customers turning age 65 in Los Angeles, my feeling is the L.A. area will continue to see consistent rates over the next several years.  Not the wide swinging ups and downs in other parts of the country.  Anthem Blue Cross is the carrier I think will continue to stay competitive in Los Angeles County, along with their Anthem Extras Dental & Vision packages, their Anthem Medicare PPO plan and their Medicare Part D Rx plans all continuing to stay very popular over the coming years.
Source: johnconner.com

2012 Changes in Oklahoma Medicare: How will the Changes Effect You?

Some Oklahoma residents are eligible for special enrollment and can make changes to their Medicare plan outside of the traditional Annual Enrollment Period. In 2012, it’s now possible for anyone to switch to a five star rated Medicare Advantage plan or Prescription Drug plan. As long as the plan is rated five star, you may enroll at any time throughout the year. This change is designed to promote quality care through Medicare Advantage and qualifying plans with high ratings will be paid a bonus from Medicare. 
Source: oklahomamedicarehealth.com

2012 Changes to Medicare in Texas: Early Enrollment Periods

Medicare provides a helping hand and is a dependable resource for seniors 65 or older. But what you can also depend on is the federal government to make a few changes every year. Some of these changes are good and others you may not like so much. Nevertheless, the 2012 changes may affect you and your health care coverage. It’s important you take a few minutes to review them so you will be prepared should you need to make new choices. 
Source: texasmedicarehealth.com

2012 Changes to Medicare in Illinois

Here’s another change involving Medicare Advantage plans that may impact your decision to buy or not to buy. As of 2012, they are prohibited from having higher cost sharing requirements for critical services like chemotherapy, skilled nursing and other services. In addition, administrative expenses and profits have been reduced, forcing many providers to rethink if they are going to continue offering Medicare Advantage plans.
Source: ssiinsure.com

Medicare Enrollment Periods

Medicare’s open enrollment period offers you the chance to make changes to your Ohio Medicare Supplement, Medigap or Medicare Advantage Plans or prescription drug coverage for the upcoming year. This is the time to evaluate your Medicare coverage and make changes to improve your health insurance and drug coverage.
Source: ezinemark.com

Amalgamated Life vs Humana Insurance Company

In the realm of insurance, multiple options and flexible plans lead to a successful company. Each of the companies discussed provides excellent coverage: group coverage plans for Amalgamated Life, Medicare for Humana. Each provider also offers benefits that the other does not: Amalgamated Life offers life and stop loss, while Humana offers Medicare options. Both companies represent a wide variety of assistance for the average consumer and encourage individuals to thoroughly research the options available to them.
Source: insuranceproviders.com

Medicare Changes Open Enrollment Period for 2012

Medicare is constantly trying to change their processes and plans to better serve their clients that intend to use the service. One way in which that has changed for 2012 is that Medicare’s Open Enrollment period has been moved up and extended. What you need to know about these new dates is listed below for your consumption. Make notes so you don’t miss the opportunity to get on Medicare.
Source: medicare-medicaid.com

Senior Lifestyle Solutions: Survive the Medicare Enrollment Maze

Enrolling in Medicare for the first time is a cinch for most seniors. Several months before your 65th birthday, the federal government sends you a “You’re Eligible!” notice. You’re automatically enrolled if you’re getting Social Security benefits. Otherwise, you send in your application by the due date. Mission accomplished! But for a growing number of seniors, Medicare enrollment is a mission to bureaucratic hell. The rules can be perplexing for individuals who retire early or stick with their employer health plan after they turn 65 — especially if their spouse is covered by their employer plan. It’s easy to inadvertently miss an enrollment deadline. The possible consequences: months without insurance coverage and a lifetime of penalties. Joe Baker, president of the Medicare Rights Center, an advocacy group, says confusion over enrollment rules is rising as people work longer, layoffs increase and dual-income families become more common. “It’s no longer 65 and then you retire,” he says. Corporate benefits managers sometimes are little help. “Folks are misinformed and uninformed about Medicare rules,” he says. Over the years, Kiplinger’s Retirement Report has heard from many readers who have been tripped up by Medicare enrollment rules. To help avert further calamities, we’re answering some of the most common questions regarding the interaction of Medicare with workplace coverage, including COBRA benefits, corporate retiree health coverage and federal health plans. A great resource is the Web site of the Medicare Rights Center at medicarerights.org. You also can call its helpline at 800-333-4114. [More from Kiplinger: Special Report: Navigating Medicare] First, the basics: You are eligible for premium-free Part A, which pays for hospital services, if either you or your spouse paid Medicare payroll taxes for at least ten years. If neither you nor your spouse meets the ten-year test, you can buy into Part A for $248 a month if you or your spouse worked at least 7.5 years in Medicare-covered employment. If neither you nor your spouse meets that test, the premium jumps to $451 a month. If you decide not to pay for Part A, you can still enroll in Part B, which pays for physician services. If you are getting Social Security benefits when you turn 65, you will be automatically enrolled in Part A and Part B. Because you must pay a monthly premium for Part B ($99.90 for most people in 2012), you can turn it down. Follow the directions when you get your Medicare card to let the government know that you do not want Part B. Otherwise, the premium will be deducted from your Social Security payment. You need to sign up yourself for Parts A and B if you have not started Social Security benefits by the time you turn 65. You should enroll in Medicare when you’re first eligible during your seven-month “initial enrollment period,” which begins three months before the month you turn 65 and ends three months after your birthday month. It’s best to enroll during the first three months; otherwise, your coverage won’t begin until after you turn 65. An alternative is to sign up for a private Medicare Advantage plan during your initial enrollment period. An Advantage plan generally includes drug coverage, provides Part A and Part B, and covers many co-payments and deductibles as well. If you don’t sign up for Part B during your initial enrollment period, you will need to wait until the “general enrollment period” from January 1 to March 31. Your coverage will begin on July 1. You will have to pay a 10% penalty for life for each 12-month period you delay in signing up for Part B. (If you’re still working, you can sign up during a “special enrollment period” — but we’ll get to that later.) The general enrollment period for Medicare Advantage is October 15 to December 7. You must have Parts A and B to buy a private Medigap supplemental insurance plan, which pays co-payments, deductibles and many other expenses that traditional Medicare doesn’t cover. You have six months after you enroll in Part B to buy any Medigap policy regardless of your health condition. “You’re only allowed one guaranteed-issue period,” says Paul Gada, personal financial planning director of Allsup, in Belleville, Ill., whose Medicare Advisor service helps individuals choose health plans. After that, he says, an insurer can reject you or charge you more if you have a medical condition. Moving beyond the basics, the information in this Q&A should help you navigate the Medicare enrollment maze. I am turning 65 and still working. My wife and I have coverage from my employer, and we’d like to remain on that plan. Do I need to enroll in Medicare? How about my wife, who turns 65 in a year? The answer depends in part on the size of your employer. [More from Kiplinger: 10 Worst States for Retiree Taxes] If your employer has 20 or more employees, neither you nor your wife has to enroll in Part B while you are still working. You should both enroll in Part A as soon as you are eligible because it’s free, although your employer’s insurance will be your primary coverage. When you leave your job, you and your wife (as long as she is at least 65) can enroll in Part B without penalty during a special enrollment period, which lasts for eight months after you stop working. To avoid a coverage gap, enroll in Medicare a month or so before your employer coverage ends. If you miss your special enrollment period, you will need to wait until the next general enrollment period on January 1 to enroll in Part B and possibly pay late-enrollment penalties. If you change your mind while you’re still working, you can drop your employer coverage and enroll in Part B. You will not owe the 10% late-enrollment penalty as long as you are working and covered by an employer plan up to the time you enroll. If your employer has fewer than 20 employees, you should enroll in Medicare as soon as you are eligible because it becomes the primary payer, even if you have not enrolled. That means that your employer’s plan will not pay for any expenses covered by Medicare. These rules apply to your wife as soon as she is 65; until that time, she can continue on your employer plan as long as you keep the coverage for yourself as secondary. Baker of the Medicare Rights Center says some small firms mistakenly tell employees that they do not have to enroll in Medicare. “What they do not realize is that the insurers do audits and check dates of birth,” he says. If an insurer pays a bill Medicare would have covered, it “can ask for the money back,” he says. Can I enroll in Part B and keep my employer’s insurance? Won’t that give me more coverage? That rarely makes sense. If you work for a large employer and are on the company plan, Medicare won’t necessarily fill in the gaps. Say you have a $1,000 procedure, and your company plan pays $800. If Medicare’s rate for that procedure is $600, it won’t pay the $200 co-payment. Part B will only shell out if the private plan pays less than the government rate, Allsup’s Gada says. While you’re still working, you can always decide later to drop your private insurance and sign up for Medicare without having to pay late-enrollment penalties. You should first compare coverage and costs of both plans, says Maura Carley, president and chief executive officer of Healthcare Navigation, a Shelton, Conn., firm that helps individuals find the best coverage and manage claims and appeals. “If the benefits in the company plan are comprehensive and the company is paying for a majority of your premiums, you’re almost always better off staying with the company plan,” says Carley, author of Health Insurance: Navigating Traps and Gaps (Ampersand, $20). Also, she notes, corporate drug plans tend to be better than the coverage offered by Part D. If you work for a firm with fewer than 20 employees, it’s rarely worth the cost of paying for the company plan as gap coverage unless your spouse needs it. Also, Baker notes that many health plans at small companies limit the choice of providers. “Medicare with Medigap and Part D provides good coverage,” he says. I am 65 and covered by a large group plan. If I leave my job in a year or two and enroll in Part B, will I be penalized for waiting to enroll in a Medigap plan? As long as you buy a Medigap plan within six months after enrolling in Part B during your special enrollment period, the insurance company generally must provide you with coverage at a favorable rate regardless of your health condition. Medigap rules vary by state, so check with your state’s insurance commissioner. I am leaving my job at 67. I took a severance package with three years of full retiree health benefits. Will I need to sign up for Part B, or can I continue with my employer-based benefits? What about my husband? This is where a lot of retirees get into trouble. And, unfortunately, some well-meaning company benefits managers don’t understand the Medicare rules. It’s the end of your employment — not the end of your employer benefits — that starts the clock ticking on enrollment periods. It is absolutely essential to enroll in Part B as soon as you are no longer employed — even if you have corporate retiree health benefits. Because you are older than 65 when you’re leaving your job, you can enroll during your eight-month special enrollment period. The same goes for your husband, if he is 65 or older. Those who turn 65 after retiring must enroll during the seven-month initial enrollment period. Once you are no longer employed, your group health plan will no longer be your primary coverage — even if you have not enrolled in Medicare. It will pay only for expenses that Part B won’t cover, and in some cases, it won’t pay at all. Once the insurance company realizes a beneficiary is eligible for Medicare, it may try to recoup any benefits it already paid out. [More from Kiplinger: Maximizing Social Security Benefits] Even worse, you could find yourself without benefits for many months. Let’s say you leave your job in November and decide to stay on your retiree health plan. You don’t enroll in Medicare during your special enrollment period, which ends July 31. Your former employer’s health plan finally realizes that you should have enrolled in Medicare, and it stops paying claims. You can’t enroll in Medicare until January, and coverage won’t start for another six months — that’s 11 months without coverage. You generally can keep your retiree benefits as a supplement. But if those benefits expire or your former employer cancels them, you’ll need to buy a Medigap policy. If you keep retiree benefits more than six months after you enroll in Part B, the Medigap company could refuse to sell you a policy. I am retiring at 64, and I plan to go on COBRA. Can I stay on COBRA once I turn 65? If you are on COBRA and become eligible for Medicare, your COBRA coverage will probably end, according to the Medicare Rights Center. You should enroll in Part B during your seven-month initial enrollment period. If you delay enrolling in Part B until after your COBRA benefits expire in 18 months, you will face a lifetime of late-enrollment penalties. Even worse, you won’t be able to sign up for Part B until the next general enrollment period. If you’re already on Medicare when you become eligible for COBRA, you are allowed to enroll in COBRA. But COBRA becomes the secondary payer, so don’t drop Part B. Because COBRA is so expensive, it usually doesn’t make sense to keep it. With COBRA, you pay up to 102% of the cost of the employer plan. “The only time to take COBRA is if you have enormously expensive drugs,” says Carley. I’ve been on my husband’s employer plan. He recently retired, and we went on COBRA. He’s turning 65 and applying for Medicare. I’m not yet 65. Can I get on the COBRA plan? Yes. A spouse can continue coverage after an employee who qualifies for COBRA is no longer covered by an employer plan. As a spouse, you can continue on COBRA for up to 36 months or until you’re eligible for Medicare. I am eligible for the Federal Employee Health Benefits program (FEHB). Am I better off signing up for Medicare? The federal plan works differently from other types of employer insurance. You can choose FEHB, Medicare Part B or both. No matter what you choose, enroll in Part A because it’s free. The first option is to take FEHB only. The program provides comprehensive coverage and better drug benefits than a Part D plan, says David Snell, director of retirement benefit services of the National Active and Retired Federal Employees Association. In this case, Part A becomes the primary payer for hospital bills and the federal plan will fill in the gaps. However, you will still have to pay all co-payments, deductibles and co-insurance for your physician costs. A second option is to take both FEHB and Part B. You’re paying two premiums, and, Snell notes, “most of the benefits you get with Part B duplicate what you get with the federal plan.” Medicare will act as the primary payer, and FEHB will pay the co-payments and other out-of-pocket expenses for hospital and physician services. If you choose this option, Snell suggests buying a lower-cost FEHB plan. “It will take some of the pain away from paying the additional Part B premium, and you’ll still get complete coverage,” he says. If you’re very healthy with limited drug costs, your cheapest option may be to suspend FEHB and go with a Medicare Advantage plan. Snell says that federal law allows individuals to suspend FEHB, enroll in an Advantage plan and “return at a later date if an individual needs additional coverage.” You cannot return if you only had Parts A and B and not Advantage, he notes.
Source: blogspot.com

Health News You Need: Important Information for Medicare Beneficiaries

Today’s Medicare program has several different parts. As a beneficiary, you’re probably aware of Part A (hospitalization, in-patient), Part B (outpatient, fee-for-service), Part C (called ‘Medicare Advantage': HMOs, PPOs, special needs plans, and private-fee-for-service), and Part D (the stand-alone prescription drug plan).
Source: cindygeorgedc.com

Medicare Supplement Insurance Functions When Medicare Alone Is Not Enough

Adopting a Medicare is a great idea. But Medicare doesn’t cover all areas. It leaves behind a huge cost sharing and co-insurance. So, it is very essential for an individual to think if Medicare supplement insurance is right for then, especially for the ones who are turning 65. A supplement insurance plan largely reduces the risk of medical emergency and even doctor visits that are financially traumatic. A Medicare supplement insurance plan covers all the charges depending on the plan an individual is selecting. A Medicare pays around 80% of the medical expenses for the senior citizens and this is done since a long time. The excess charges are confined at 15% above what a Medicare allows and can be charged by the doctors that do not accept Medicare Assignments.An insurance company provides the initial enrollment period and sells these insurances to those individuals who is turning 65 and is receiving both Medicare Part A and Part B. This period begins and lasts for 6 months from Part B actual date. The best this about this enrollment period is that an individual will not have to go through and medical underwriting. An underwriting consists of a few questions that one needs to answer on the application form. If an individual is not adopting a insurance plan immediately, then he will have to pay some penalties and will have to go through the medical underwriting. The people who are above 65 years of age, there is a guarantee issue period for them and even for the individuals who are retiring and are eligible for Medicare. An individual who is losing their employer group coverage and is above 65 can also apply for the same insurance planwithout going through any medical underwriting. There is a period of 63 days from the day their former coverage is ending.Once an individual is purchasing a Medicare Insurance Plans he has a “free look” period. This “free look” period lasts for the next 30 days after the purchase of the insurance policy. And during this time an individual can cancel any policy they have purchased and have the premiums back. These insurance planshave a “guaranteed renewable” which is another benefit of adopting an insurance policy. This means if an individual is paying the monthly premiums on time then the policy that the particular individual have purchased will automatically be renewed. In a Medicare insurance policy, there are ten different plans available and there are several companies who offers these plans. No matter which company is selling the plan, each plan by the same letter name provides the exact similar coverage. Even if the plans are same irrespective of the insurance companies but the price is not the same. So getting quotes from independent agent is always essential. An individual agent doesn’t work for any particular insurance company, hence an individual can get the same insurance policy in the same price. An individual insurance agent allows an individual to shop for an insurance policy without any effort.
Source: article-friend.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

“Medicare: Changes in premiums and deductibles for 2010.” March 10, 2010. NYSUT: A Union of Professionals. www.nysut.org

Posted by:  :  Category: Medicare

For inpatient hospital care covered under Part A, the 2010 deductible is $1,100 each benefit period. (A benefit period begins the first day you enter the hospital and ends when you have not received hospital care for 60 days in a row.) While there is no daily coinsurance for the first 60 days of your hospital stay, during days 61 to 90, you will pay $275 per day. The daily coinsurance for lifetime reserve days will be $550 in 2010. (If you have Part A, you are afforded 60 lifetime reserve days, which you can use to cover one or more hospital stays throughout your life.) If you receive care in a skilled nursing facility in 2010, there is no coinsurance for days 1-20. The daily coinsurance for days 21-100 is $137.50.
Source: nysut.org

Video: Medicare Deductible

Key Obamacare architect endorses Paul Ryan’s Medicare reform plan

This consumer-driven, universal coverage system provides excellent health care for the sick, tops the world in consumer satisfaction, and costs 40 percent less, as a percentage of GDP, than the system in the US. The Swiss could spend even less by choosing cheaper, high deductible health insurance policies, but they have opted against doing so. Swiss consumers reward insurers that offer the best value for the money. These competitive pressures cause Swiss insurers to spend only about 5 percent on general and administrative expenses, as compared to 12-15 percent in the US. And unlike Medicare, the private Swiss firms must function without incurring massive unfunded liabilities. Competition has also pushed Swiss providers to be more efficient than those in the US. Yet they remain well-compensated.
Source: american.com

Does medicare apply a deductible on dexa scans // trig function graph paper

. incurred by the beneficiary for the Part B Related links: Mixing oxycontin subutex Looking at mitoisis under the microscope Former wisn 12 anchors Amoxicillin keflex sulfa Critical thinking work-alikes biology Alternative methods of dealing with adhd besides medication
Source: freeblog.hu

Targeting Diabetes Prevention Among Medicare Beneficiaries

A common list among Medicare supplement and Medicare Advantage insurance agents you could purchase from Affordablemedicareleads would focus in on individuals who are approaching the age of 65.  By focusing on this demographic you are certain to find those that are new to Medicare and are looking for either a Medicare supplement or Medicare Advantage plan that you are offer.  The downside to focusing on individuals turning 65 is that these individuals are new to Medicare and be quite confused.   They are getting bombarded by a number of different agents, not to mention their mail box is being flooded by numerous different insurance carriers.  Affordablemedicareleads can provide another list that is commonly used by Medicare insurance agents.  That would simply be individuals that are in the age range of 67-78.  By calling or mailing this age demographic what you are going to find this that #1; their agent the initially enrolled them in their plan is long gone by now.  #2; they have been on Medicare for at least a couple of years an have most likely to have had at least one premium increase.  They should understand that by now Plan F is Plan F and if you can offer them the same plan at a lower rate, you may just be able to gain a client.  By not going over the age of 78 will help you focus in on the more healthy individuals. Source: affordablemedicareleads.com
Source: medicaresupplementalco.com