COURT RULES THAT REIMBURSEMENT OF MEDICARE BENEFITS WAS NOT PROHIBITED BY THE NEW JERSEY COLLATERAL SOURCE STATUTE

Posted by:  :  Category: Medicare

Benefit Security Card .. HALF of the U.S live in households that receive government benefits (26 May 2012) ...item 2..Brevard man gets 4 years in Social Security fraud case (Jun 1, 2012 ) ... by marsmet481The court recognized that the purposes of the NJCSS are: (1) to prevent double recovery by a tort plaintiff from both a collateral source of benefits (such as a health insurer) and a tort defendant; and (2) to shift the burden of medical costs related to tort injuries, wherever possible, from liability insurers to health insurers, to keep liability insurance premiums down.  Neither the New Jersey Supreme Court nor the appellate courts have addressed the issue of whether the reimbursement of Medicare benefits was prohibited by the NJCSS.  However, a New Jersey appellate court had previously found that the NJCSS did not apply to conditional Medicaid benefits that were subject to reimbursement. The court found that the New Jersey Supreme Court would likely hold, as it has in the Medicaid context, that the NJCSS does not apply to exclude conditional Medicare benefits from a tort settlement. Therefore, the court held that the reimbursement of Medicare benefits was authorized by the MSP Act and not prohibited by the NJCSS.
Source: themedicarespa.com

Video: How To Apply For Medicaid

Online Medicare Forms: Appeal, Payment, Disclosure, Application

Medicare insurance forms for parts A, B, C and D are accessible online for electronic filings and mail in. Online forms include an application for Medicare, claim forms for patients requesting payments and Medicare appeal forms. Older Americans can apply for Medicare even if not planning to retire, as long as the person is close to 65 years old. Even when a person has been denied Medicare, appeal forms can be submitted online requesting a hearing or case review.
Source: suite101.com

The American Spectator : Judges in Wonderland

The problem is that when you put the government in charge of your financial circumstances, you are no longer in charge of your own destiny. The Supreme Court ruled that Social Security was not guaranteed since it was NOT your money. Once the government confiscated the money from your paycheck, it was determined to be a tax. And what you received back was at the discretion of the government. Here is another example of your tax dollars at work: Medicaid takes up $10B of the New Jersey $33B budget. For one-third of our state revenues, we get a program that doctors will not accept. They net about thirteen dollars per one-hundred billed after fees and graft in the system and cost of care. So some doctors are already setting up free clinics and offer the poor charity care. For the $13 per one-hundred they forfeit, they gain in donations. And it takes them off the hook for liability lawsuits that typically cost $25K to settle even if there is no negligence. How many $13 office visits do you have to do to pay one settlement? (1,923 to be exact)
Source: spectator.org

Looking for APPLY FOR MEDICAID ONLINE? Here’s APPLY FOR MEDICAID ONLINE information for you!

To acquisition the acquaintance advice in your state, conduct a simple seek on the internet. The seek will acknowledgment with all the advice you will need. Anniversary accompaniment has its own point of contact, so be abiding to locate the appropriate accompaniment to admission the advice needed. You will be provided with a concrete address, a buzz amount and any links to websites that are available. You will aswell accept admission to downloadable appliance forms. Always yield the time to analysis the accommodation requirements afore bushing out an application. The accompaniment will accept austere guidelines and requirements that accept to be met for an alone to be advised for any of the allowances associated with Medicaid. To Apply For Medicaid Online you accept to aboriginal admission the PDF anatomy which may be downloaded through your accompaniment acquaintance website.
Source: www-averagecarinsurancerates.com

COBRA and Medicare, Part II 

[1] See, e.g., 42 CFR §423.56; also see CMS website at: http://www.cms.gov/Medicare/Prescription-Drug-Coverage/CreditableCoverage/index.html?redirect=/CreditableCoverage/. [2] See 29 USC §1162(2)(D)(ii). [3] See Treas Reg §54.4980B-7, Q&A 3, available at: http://ecfr.gpoaccess.gov/cgi/t/text/text-idx?c=ecfr&sid=47126146b0c56fbbab9b6b6ebfb7db7d&rgn=div8&view=text&node=26:17.0.1.1.5.0.1.25&idno=26 [4] See Geissal v Moore Med. Corp. (1998) 524 US 74, 141 L Ed 2d 64, 118 S Ct 1869. [5] Note that for individuals who qualify for Medicare because of ESRD and are also entitled to health coverage under an employer plan, the group plan will be the primary payer for a 30-month coordination of benefits period. See 42 USC §1395y(b)(1)(C); 42 CFR §411.162.  This rule applies regardless of whether the individual is a current or former employee and regardless of whether the individual has coverage through COBRA.  Also note that if an individual enrolls in Medicare after electing COBRA coverage, the employer can elect to terminate the COBRA coverage.  [6]  Section 1882(s)(3)(B)(ii) of the Social Security Act; see also “Your Rights to Buy a Medigap Policy” at http://cahealthadvocates.org/medigap/guaranteed-issue.html (site visited May 31, 2012) [7] For a discussion of these plans, see  http://cahealthadvocates.org/medigap/overview.html (site visited May 31, 2012)
Source: medicareadvocacy.org

States Hold Off On Insurance Exchanges; Medicare ACOs Confront Challenges

Bloomberg: Health Insurer Tax Gives Nonprofits Advantage, Holtz-Eakin Says Fees that health insurers will be required to pay the U.S. government starting in 2014 will give nonprofits such as Kaiser Permanente a market advantage over corporate competitors, said economist Douglas Holtz-Eakin. The fees — starting at $8 billion and escalating each year based on the industry’s premium revenue — aren’t tax deductible. While nonprofits don’t have an income tax, companies such as UnitedHealth Group Inc. (UNH) would effectively be paying taxes on the fees they’re handing over to the government, said Holtz-Eakin, chief economist of the White House Council of Economic Advisers during the Republican Bush administration from 2001 to 2003 (Wayne, 6/8).
Source: kaiserhealthnews.org

Richard Charles for US Senator Nevada: Did Dean Heller Vote to Cut Medicare?

Okay Karen, you have added to my list of adjectives for Republican strategies (or “strateegery”?) with “diabolical fiendish”… Great post! It is hard for folks to recognize that the whole Grover Norquist affiliation and ongoing allegiance practically guarantees six figure money from Koch Brothers and big oil. Remember, Amodei received bucks from Koch, Exxon and big mining… Has anyone else noticed how the oil industry has started their campaign via TV ads painting themselves as warm and cuddly? Has anyone also noticed that as Washoe County has “battleground” fame now, OUR oil prices are a lot HIGHER than other areas? You see, high oil prices get blamed on a president (the president has the price stamper right there at his desk in the oval office) and the oil companies would add more PROFITS in a big big way with a Romney win. The oil companies humongous profits under Obama are just not enough… ah, greed – it’s alive and well across the fruited plain.
Source: blogspot.com

When To Apply For Medicare

There are a few misconceptions about when to apply for medicare benefits.  So lets get rid of those misconceptions.  The largest determining factor on when you should apply for medicare is age.  If you are 65 years or older, you qualify for medicare benefits.  Another determining factor in the US at least, is that you must be a US resident for at least 5 consecutive years.  So if you were a citizen for 3 years and lost your status as a citizen, then regained it for 2 more years, you probably would not qualify.
Source: whentoapplyformedicare.com

Applying for Medicare Part B

So, even though my husband did everything right, he is being denied Medicare Part B because the people at Social Security couldn’t be bothered to process his application until after the deadline had passed. The phone representative called the office that received his application, and told my husband that someone from there should contact him. If no one contacts him, then he is to call Social Security back in 30 days. Meanwhile, he is going without the insurance coverage that he qualifies for.
Source: families.com

Medicare Patient PT Supervision is Confusing

Let’s start with a couple fundamentals:  first, medical practices that comply with the so called “group practice” exceptions (under both state and federal law) are permitted to provide PT to their own patients.  They are more accurately known as the “In Office Ancillary Services Exception,” but most refer to them as described above.  These exceptions dictate, for instance, the form of the practice and how much time each physician has to spend practicing through the group.  For instance, if the practice does not have at least two of the following, it does not meet the group practice requirements:  physician owner; physician W-2 employee.  Second, PT falls under both the state and the federal definitions of “designated health service” (DHS).  DHS are services that are regulated by the Stark Law and also (at the state level) by the Florida Patient Self Referral Act of 1992 (FPSRA).  They are very similar laws, but with some key differences.  Where many physicians go wrong is to ensure compliance with federal laws but not state or vice versa.
Source: wordpress.com

Fixing Medicare’s Double

P.S. Several readers noted an important qualification to my Social Security discussion in my earlier post. Many experts believe past Social Security surpluses have been used to finance deficits in the rest of the budget and, as a result, Social Security resources have been paying for higher spending or lower revenues elsewhere in government. I agree. My comments in these posts apply only to explicit budgeting decisions, like those in 2010’s health reform or today’s student loan legislation. In that context, Social Security savings cannot be legislatively used to pay for other programs. But they still might have indirect effects. For example, by reducing future unified budget deficits, Social Security savings might weaken future congressional efforts to reduce deficits outside Social Security.
Source: dmarron.com

How to Purchase Glasses with AMD: Low Vision Requires Specific Lenses for Macular Degeneration

Posted by:  :  Category: Medicare

DO we shelf little old ladies on Medicare? by kennethkonicaFor many people, using yellow, orange, and brown lenses is suggested by AMD.org to improve contrast vision and make it easier to see things like steps and curbs. The site, a macular degeneration partnership of the Discovery Eye network, recommends that people with specific types of color vision problems may benefit from wearing a green or blue lens as well. Eye care practitioners who specialize in low vision problems are excellent sources for finding the best style lenses for macular degeneration.
Source: suite101.com

Video: Tommy Douglas – Medicare February 2, 1979

Highmark Medicare Services: Protect the Eyes from Glasses or Contacts

Televisions and computers are used in our daily lives but they are hard on the eyes. They force eyes to stare for too long and don’t offer the eyes enough movement. The distance and angle doesn’t ever change, so the eyes remain looking at a still object for too long. It is not always possible to avoid the television or computers, especially computers. Look away every so often and focus on things far away to give your eyes a chance to move and adjust. Try not to spend the entire day in front of the television or at least let your eyes wander during commercials.
Source: blogspot.com

Lies, Damned Lies, and Statistics

Medicare. When the Medicare trustees released their report, the Medicare actuary immediately disavowed it as inaccurate. Our industry jokes that actuaries are accountants with less personality, but we need their expertise. Actuaries are about the math. The actuary says the trustees used favorable statistics that were unlikely to be achieved. Therefore, Medicare is expected to go bankrupt sooner than the reported 2024.
Source: lifesourcedirect.com

What You Need to Know About Cheap Jerseys

Medicare is disconnected into two locations Allotment A and Allotment B. Hospital allowance is Allotment A and added medical allowance is Allotment B. Allotment A is provided automatically for bodies age 65 and over. This allotment of Medicare assists recipients with inpatient affliction at hospitals, nursing ability assistance; affliction at home via a bloom agency, and auberge treatments. Allotment B allowances are accessible to about all citizens 65 and over, and disabled beneficiaries advantaged to Medicare Allotment A. Advantage for Allotment B is not binding and includes a exceptional paid monthly. Allotment B covers class testing, medical supplies, vaccinations for the flu, drugs that can’t be administered on one’s own, a lot of medical supplies, analytic exams, ambulant services, blood, as able-bodied as physician services. Aswell covered are institutional casework and surgical facilities.
Source: posterous.com

Optical News from OpticalCEUs: Medicare Reviewing of Outpatient Claims

A Medicare carrier medical review probe may be coming to your area soon.The medical review department at Palmetto GBA, the A/B MAC for North Carolina, South Carolina, Virginia and West Virginia, recently announced it will perform a service-specific prepay probe review on outpatient ophthalmic claims. Read more.
Source: blogspot.com

Expert Questions ‘Eight Glasses of Water a Day’ Theory

It has been said that a person should drink at least eight glasses of water a day. But an academician has rubbished all these claims by saying that there is no need for drinking at least eight glasses of water a day to remain hydrated. Drinking at least eight glasses of water a day is said to be of no health benefit to most of the people and only enriches bottling companies.
Source: topnews.us

The Generation Above Me: Glasses, Hearing Aids, and Dentures Not Covered by Medicare

Notably, Medicare does not cover the cost of hearing aids, dentures, or eye glasses (with the exception of one pair of glasses fitted after cataract surgery). These items are vital for communication, but they are also wear items. They are also easily misplaced in the home, but they can also turn up missing during hospital stays. Perhaps these factors played into the decision that individuals must pay for these items themselves. This may be an inelegant analogy, but car insurance does not cover the costs of replacing air filters and fan belts for parallel reasons. Beneficiaries and their family members should remain aware of these exceptions and others in order to reserve funds for these much needed items. Go online or contact your local Area Agency on Aging to receive additional information about what Medicare does and does not cover. Also, consider subscribing to this blog SHICK in a Jiff, which provides short, easily understood information about Medicare coverage. Related: Hear We Go: Gender and Hearing Loss
Source: blogspot.com

Daily Kos: Ryan’s message fail on Republican’s Medicare plan: ‘Welfare for those who need it’

Our plan is to give seniors the power to deny business to inefficient providers.   So put the new batteries in your hearing aids and wipe the smudges off those thick glasses.  Don’t tell the salesman that story about the doctor who would make house calls, he just wants to hear what the mailing date is on your payment check.  Get a comprehensive list of your pre-existing conditions: the cataracts, hearing loss, tachycardia, wheezing, rashes, fatigue, trick knee, etc, to make sure they’ll pay for at least part of all of it.  Ask about in-patient and out-patient care, doctor’s visits, specialists, tests both routine and otherwise, preventative care, medical devices and appliances, nursing home coverage both short and long term, and end-of-life care.  Will they pay for a hospice, or must that be done as an out-patient?    Once all that is hammered out, you might just start to get a picture of whether a salesman’s on the square, or slinging BS.  Research a few more companies before you decide, to be on the safe side.  Then spend your money, and hope for the best… otherwise, and even yet, you just might get taken for a ride.
Source: dailykos.com

Medical Insurance Australia

In some cases (such as visiting a doctor) you must anticipate service cost and then claim it back from the insurance company. Be careful: refunds are calculated on standard rates. This means that if you pay more than expected for a service, you will only get Australian Government standard refund for that care. Australian insurance do not cover extra territories: if you travel abroad, in New Zealand for example, you’ll need another health insurance.
Source: com.au

Questions about your GA Medicare Eligibility?

Posted by:  :  Category: Medicare

Medicare can be confusing, let us help. Our team of experts has the training and tools needed to help you make important decisions about your Medicare Advantage, Medicare Supplemental insurance and Medigap policies so that you can rest assured that you will get the best possible coverage at a competitive price. Simply fill out our contact us form or click the link to go to our fast free quote engine. The service is free and there is no obligation to you. Protect your financial future and learn about GA Medicare eligibility with the right insurance plan for your needs, today.
Source: gamedicareplans.com

Video: Georgia Health Insurance Medicare

Georgiainsuranceshop.com Estimated Value $475.20 USD

The data contained in GoDaddy.com, LLC’s WhoIs database, while believed by the company to be reliable, is provided “as is” with no guarantee or warranties regarding its accuracy. This information is provided for the sole purpose of assisting you in obtaining information about domain name registration records. Any use of this data for any other purpose is expressly forbidden without the prior written permission of GoDaddy.com, LLC. By submitting an inquiry, you agree to these terms of usage and limitations of warranty. In particular, you agree not to use this data to allow, enable, or otherwise make possible, dissemination or collection of this data, in part or in its entirety, for any purpose, such as the transmission of unsolicited advertising and and solicitations of any kind, including spam. You further agree not to use this data to enable high volume, automated or robotic electronic processes designed to collect or compile this data for any purpose, including mining this data for your own personal or commercial purposes. Please note: the registrant of the domain name is specified in the “registrant” field. In most cases, GoDaddy.com, LLC is not the registrant of domain names listed in this database. Registrant: Robert Vineyard Registered through: GoDaddy.com, LLC (http://www.godaddy.com) Domain Name: GEORGIAINSURANCESHOP.COM Domain servers in listed order: NS2109.HOSTGATOR.COM NS2110.HOSTGATOR.COM For complete domain details go to: http://who.godaddy.com/whoischeck.aspx?domain=GEORGIAINSURANCESHOP.COM
Source: widestat.com

Filling out AARP Social Security and Medicare Poll

I like this one Here’s a quote: “The Taxable Earnings Base Over Time The portion of Social Security covered earnings that are subject to the payroll tax has fluctuated over time (Figure 1). When the program began in 1937, taxable earnings represented 92% of covered earnings (Table A-1). By 1965, this ratio had dropped to its low of 71%. Prior to 1972, the taxable earnings base was updated periodically by Congress, which contributed to its dramatic fluctuations in the 1950s and 1960s. Since 1972, the base has been indexed to the increase in wages in the economy, which has reduced the volatility somewhat. As described earlier, to raise revenue, Congress raised the taxable earnings base in the 1977 amendments to the Social Security Act to a level that would cover 90% of aggregate earnings by 1982. Since the 1980s, the share of covered workers below the taxable earnings base has remained relatively stable at roughly 94%. However, the share of covered earnings that are taxed has fallen from 90% of all earnings in 1982 to 83% in 2007. The large declines in the late 1990s were mainly because salaries for top earners grew faster than the pay of workers below the cap.”
Source: correntewire.com

Two new tools add to health care transparency

The Department of Community Health, which runs the State Health Benefit Plan, said in a statement that the United tool “helps consumers be more engaged in their health care decisions; makes them more aware of actual costs for services, treatment and procedures; and provides them with a realistic picture of what will be owed out-of-pocket, what their employer will pay and the real-time account balance in their eligible health care account.”
Source: georgiahealthnews.com

Telemedicine Reimbursement – The Time is Now!

But as with many other technologies, the bureaucracy is catching up.  Over the last several years there has been a shift throughout the US and “reimbursement equity” is now being offered for telemedicine consultations. Most recently, Maryland and Pennsylvania have joined the list of states signing such legislation into law. Maryland’s law is simple: Insurance companies must pay the same fee for telemedicine services that would otherwise be covered with an in-person visit.
Source: ivci.com

Daily Kos: GOP Frosh Woodall on Medicare: ‘When do I decide I’m going to take care of me?’

Perhaps I used the wrong term because I can’t remember any spceific studies right now–it’s been a while since I formally studied this–but it was generally in the literature. It has been found, cross-culturally (for example, in the rise of the Nazis but also in England in the 19th century, which is where I remember reading about it) that the lower-middle class sees itself as “respectable” and hard-working who have worked hard and denied themselves transitory pleasures, avoided temptation to develop self-discipline and they well know if they let themselves go they are done for. Thus they view “the poor” as lazy, pleasure-seeking, and undisciplined and unworthy. The fact that these poor suffer disease or death or degradation makes the achievement of the lower-middle class person (or upper lower class) feel better about him or herself as a person. If he or she sees these people prosper, sees hustlers hanging on the corner in flashy clothes he or she feels like a chump. The lower-middle person doesn’t know how temporary this wealth is and assumes they are gaming the system. That’s why the Tea Party is so adamantly concerned with the deficit and cutting social spending but has little interest in the real problems the FIRE and MIC sectors cause which dwarfs social spending as a budget issue.
Source: dailykos.com

COURTS NOT PRECLUDED FROM ENFORCING AN AGREEMENT TO EXCLUDE MEDICARE AS A CO

The appellate court disagreed, overturning this portion of the trial court’s grant of summary judgment. The court reasoned that the real issue was the TPA’s knowledge of the existence of a right of reimbursement by Medicare. While a dispute of fact existed as to whether the plaintiff’s former counsel represented that Medicare would not have an enforceable claim, the parties mutually agreed to exclude Medicare as a co-payee in the absence of Medicare’s intent to seek reimbursement. As a result, the court concluded that it is not contrary to public policy to enforce an agreement to exclude Medicare as a co-payee, especially where the plaintiff signs a release acknowledging responsibility to indemnify against a Medicare lien. However, the court limited its holding by expressing no opinion as to whether it violates public policy to exclude Medicare as a co-payee where the plaintiff does not sign an indemnity agreement.
Source: themedicarespa.com

Looking for the BEST! Life/Health Insurance Agents

We are currently seeking qualified Life/Health Insurance Licensed Agents American Financial Associates, Inc. was established in the year 2000, we have grown into a full service insurance agency operating nationwide. We serve the insurance needs of small businesses, seniors, individuals, and families. We have a number of representatives with more than 25 years of industry experience. Requirements: ? Degree is preferred, but not required. ? Ability to articulate and deliver product information to clients. ? Proven leadership skills, ability to work in a fast paced team environment ? Must pass a background check ? Must have an insurance license, or be willing to obtain a license ? Excellent written and verbal skills ? Must be able to attend training webinars Position Description: * You must be Life/Health Licensed to start. . . if you are not licensed, please google how to get licensed in your state. ? Full Time or Part Time positions available ? Proven quality lead programs, some with protected territories ? Exceptional ongoing training and support ? No Cap Income ? Innovative Software with cutting edge back office for client retention ? Free Marketing Materials ? Association with “A” Rated Insurance Carriers ? Fast Paced and Competitive Environment ? High-level contracts with some carriers paying daily commissions and 6-9 month advanced commissions. * Income grows every year due to renewals. * Your book of business is YOUR book of business! * Ability to build your own agency!!! Partial List of the Products We Represent: 1. Individual Medical & Dental 2. Group Health, Life, Dental 3. Short-Term Medical 4. Student Insurance 5. Travel Insurance 6. Accident Benefits 7. Critical Illness & Cancer Benefits 8. Long Term Care 9. Annuities 10. Universal Life, Term Life, and Whole Life 11. Prescription Benefits 12. Disability 13. Medicare Supplements 14. Medicare Advantage 15. Dental & Vision Plans What are some of the things that differentiate AFA from other companies? Here are just a few. 1. Higher contracts- Other companies start agents at 40-55% contracts — AFA starting 80-90% with most carriers 2. Lower lead acquisitions cost- Other companies 38-60 dollars per lead — AFA leads starting at 50 cents 3. State of the art back office support- Other companies charge 100-200 dollars per month — 22.00 per month and does so much more 4. Ongoing industry training- other companies 300-600 dollars for training not counting airfare, hotels, and meals — AFA no cost 5. Protected territories on our dialer program. 6. Free bonus leads to producing agents.. For any additional information or to contract and start immediately please send a summary of your qualifications to the Reply to email address in the top left corner. A district manager will contact you for the next step. “Never underestimate the power of dreams and the influence of the human spirit. We are all the same in this notion: the potential for greatness lives within each of us.” — Wilma Rudolph
Source: telecommuteanywhere.com

Individual and Family Health Insurance Agent

ChrisChamplaincolor.jpg Blue Cross Blue Shield of Georgia offers Health Insurance for Individuals, Families, Students, Seniors. If you have any questions regarding your current Health Insurance give me a call. Tags: we, have, great, health, insurance, plans, for, individuals, amd, families, contact, me, chris, champlain, today, ” id=”listing_image_gallery_0″ > ChrisChamplaincolor.jpg Blue Cross Blue Shield of Georgia offers Health Insurance for Individuals, Families, Students, Seniors. If you have any questions regarding your current Health Insurance give me a call. Tags: we, have, great, health, insurance, plans, for, individuals, amd, families, contact, me, chris, champlain, today, ” id=”listing_image_gallery_1″ > ” id=”listing_image_gallery_2″ >
Source: merchantcircle.com

Online Application: CMS For Medicare Medicaid Eligibility & Online Services

Www.cms.gov is the government website of Centres for Medicare and Medicaid Services. It was earlier known as Health Care Financing Administration / HCFA is a United States of America’s federal agency which along with US Department of Health and Human Services adminsiter Medicare and Medicaid, Health Insurance Portability Standard, state Children’s Health Insurance Program.
Source: online-application.org

No new glasses: State Medicaid agency announces cuts to health coverage for the poor

Posted by:  :  Category: Medicare

Everything cannot be free. Like this? Facebook’s Saverin May Save $67 Million on U.S. Tax Bill Facebook Inc. (FB) co-founder Eduardo Saverin will save at least $67 million in federal income taxes by dropping U.S. citizenship, according to a Bloomberg analysis of the company’s stock price. Those savings will keep growing if Facebook’s shares increase. Any profit from future appreciation of Saverin’s Facebook stock will be earned free of capital gains tax in the U.S. and Singapore, which doesn’t impose the tax. Would Eduardo Saverin have been successful anywhere else? Maybe, but not as quickly, and not as spectacularly. It was only thanks to America—thanks to the American government’s direct and indirect investments in science and technology; thanks to the U.S. justice system; the relatively safe and fair investment climate made possible by that justice system; the education system that educated all of Facebook’s workers, and on and on—it was only thanks to all of this that you know anything at all about Eduardo Saverin today.
Source: al.com

Video: Eyeglass Specialist Rialto, CA

With the Loss of Illinois Cares Rx, Where Can People Turn? : The Shriver Brief

The elimination of Illinois Cares RX is effective on July 1, if the Governor signs the bill as is. As you can tell from this blog, that leaves precious little time for seniors to make the complicated choices and actions necessary to rearrange their drug purchasing and transition to the new system. Advocates have asked that Governor Quinn amendatorily veto the bill to keep Illinois Cares Rx on the books, or, at a minimum, to delay the effective date to January 1, 2013, to allow for a smoother transition—let’s keep our fingers crossed. Of course, we will keep you updated on any developments.  
Source: theshriverbrief.org

Why Doesn’t Medicare Pay For Hearing Aids Or Eyeglasses?

Hearing aids are elective to, just like glasses. Patients are responsible for 100% of the bill. However Medicare, in certain circumstances, will cover the cost of a prosthetic device. Often though, the cost of prosthetics far outweigh the costs of a hearing aid. This elective also extends to routine hearing tests, which are also the responsibility of the Medicare patient. Regulations vary by the state however, so there may be some exceptions to the contrary. Though most states operate under the same mindset. One exception, though limited, is coverage based on an advantage plan; a secondary premium insurance add on.
Source: seniorcorps.org

Switch focus to affordable care, not healthcare jobs

Posted by:  :  Category: Medicare

The editorial questions whether increased healthcare employment produces increased health improvements that are in proportionate to the increased spending on salaries. "Salaries for healthcare jobs are not manufactured out of thin air; they are produced by someone paying higher taxes, a patient paying for more healthcare, or an employee taking home lower wages because higher health insurance premiums are deducted from his or her paycheck," they write.
Source: fiercehealthcare.com

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

Vacancies in Florida: Mgr Telesales

 The tempest of newly eligible Medicare beneficiaries looks to be the primary driver of large scale federal intervention and spending.  Certainly ERISA will be expanded by the administration to centralize federal authority, and public access to federally available plans. Expect to see real reforms offering national programs that supersede NIAC for Individual and small Group insurance, and go beyond HIPPA protections to large Group coverage.  One thing is dangerously certain.  If the healthiest Group lives get to switch to a better rate or federal plan, it will leave the sickest employees with the same plan and massively drive up experience rated premium in 1-3 years.  If the opposite happens where only the sickest members get Federal insurance, it means massive new taxes in an era of record setting deficits.  There is no free lunch.  Both scenarios point to a society that does not want to continue paying for their runaway insurance premiums, and that could easily be relegated to accepting a National health plan.  We have been warning against the perils of unchecked medical cost-shifting from Medicare and Medicaid to the commercial life for some time.  We are beyond the tipping point where premiums growth is unsustainable for many individual and small groups who continue to bare the brunt at 20% 2009 rate increases.  New Medicare lives will stretch federal spending. Protecting medical plan access to the 45 million uninsured, and offering coverage without preexisting medical condition exclusion is the issue. The numbers tell us that large group plans have real difficulties.  If our DC sausage maker blows the structure of protecting Individuals and Small Groups, it has real chance of bankrupting underwriting Large Group commercial plans. Source: hightable.com
Source: medicaresupplementalco.com

COBRA and Medicare, Part II 

[1] See, e.g., 42 CFR §423.56; also see CMS website at: http://www.cms.gov/Medicare/Prescription-Drug-Coverage/CreditableCoverage/index.html?redirect=/CreditableCoverage/. [2] See 29 USC §1162(2)(D)(ii). [3] See Treas Reg §54.4980B-7, Q&A 3, available at: http://ecfr.gpoaccess.gov/cgi/t/text/text-idx?c=ecfr&sid=47126146b0c56fbbab9b6b6ebfb7db7d&rgn=div8&view=text&node=26:17.0.1.1.5.0.1.25&idno=26 [4] See Geissal v Moore Med. Corp. (1998) 524 US 74, 141 L Ed 2d 64, 118 S Ct 1869. [5] Note that for individuals who qualify for Medicare because of ESRD and are also entitled to health coverage under an employer plan, the group plan will be the primary payer for a 30-month coordination of benefits period. See 42 USC §1395y(b)(1)(C); 42 CFR §411.162.  This rule applies regardless of whether the individual is a current or former employee and regardless of whether the individual has coverage through COBRA.  Also note that if an individual enrolls in Medicare after electing COBRA coverage, the employer can elect to terminate the COBRA coverage.  [6]  Section 1882(s)(3)(B)(ii) of the Social Security Act; see also “Your Rights to Buy a Medigap Policy” at http://cahealthadvocates.org/medigap/guaranteed-issue.html (site visited May 31, 2012) [7] For a discussion of these plans, see  http://cahealthadvocates.org/medigap/overview.html (site visited May 31, 2012)
Source: medicareadvocacy.org

MBC’s job board for increased job prospects!

MBC has recently launched a job board to lessen the complexity of bringing physicians and coders together, eventually working as an easy-to-use interface between them through the facility on job listing. According to the US Bureau of Labor Statistics (BLS), Medical billers and coders are considered to be in high demand among the allied health occupations, with demand for healthcare professionals expected to increase by 18% considering the increased shift from paper to data storage and increased shortage of qualified professionals with specialized skill-sets. 
Source: ezinemark.com

Free Health Insurance U.S.

Free Health Insurance is owned and operated by Barry White, a former Health Insurance Specialist with 16 years experience in the health insurance industry. Mr. White now dedicates his time to helping families find affordable insurance in a quickly changing marketplace. He provides this quoting service free of charge to consumers, and makes no commissions from any insurance company or agent.
Source: freehealthinsurance.us

Congress Reviews Labor Department’s Jobs Reporting Practices

The House Oversight and Government Reform Committee questioned Bureau of Labor Statistics (BLS) Acting Commissioner John Galvin and others about a series of changes planned by his agency around its release of the government’s jobs report and other key data. Lawmakers explored the possible political tone of data-release practices at the Labor of Department (DOL).  BLS’s technological updates and other innovations led the department to change its procedures.
Source: c-span.org

Fight the ‘war of independence’ with IRS

New case: An auto body shop in California employed seven mechanics, an estimator and two secretaries. Each of the seven mechanics had his own space in the shop in which to perform work, but they didn’t pay any rent. The taxpayer paid the mechanics weekly by check based on commissions and the type of work performed. As mentioned, three other workers were employed by the body shop: one estimate writer and two secretaries.
Source: businessmanagementdaily.com

Work after Retirement Has Health Benefits: Find a Job after 65 and Stay Healthier, Study Finds

Working with the seniors I have found many that have full capacity and with this and they are willing they would be an asset to any company. With a longer attention span and the many years of using their thinking powers and basically just sage knowledge I see them as a valuable and useful asset in the workplace. So many of he elders sit at home never using their mental capacity which over the years has been trained in many different areas of the knowledge they have learned over time. Any business should consider the experience they can bring to the work setting.
Source: suite101.com

Daily Kos: Old Waitress says, “Don’t Raise Medicare Eligibility Age!”

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Source: dailykos.com

TX Register Updates: Consultant, Medicare Equalization

Posted by:  :  Category: Medicare

Medicare Corner, Dairy Queen, Lockhart, TX by adam*bHHSC intends to submit transmittal number 12-022 to the Texas State Plan for Medical Assistance, which would exempt services provided by psychologists, psychiatrists, licensed clinical social workers, and specific services related to the transport of portable x-ray equipment and personnel from Medicare Equalization. See the Texas Register for details about both notices.
Source: garloward.com

Video: Medicare Supplements in Texas: What to Look For When Choosing a Plan

TX and OK HHA: Beware of Compliance Risks

Despite the fact that most Texas home health agencies are doing their best to operate within the four corners of the law, there are still a number of providers who are continuing to engage in wrongdoing. Texas home health providers recently received significant negative media coverage for fraudulent and abusive billing practices allegedly committed by agencies within their ranks. As you may have heard, just last week a physician and several home health agency “recruiters” in the Dallas-Fort Worth area were indicted in the largest Medicare fraud scheme in history, allegedly totaling nearly $375 million for home health services either not needed or never provided. Additionally, it was noted that over 75 home health agencies to whom referrals were made have also been implicated in the wrongdoing.  Such an enormous scheme only further demonstrates the fact that fraudulent activity in home health services is continuing, despite the fact that mostTexashome health providers are well-meaning organizations, trying in good faith to provide medically necessary services to our nation’s most sick and disabled. Nevertheless, such accusations only increase suspicion and scrutiny of the entire home health industry in this region.
Source: zpicaudit.com

Filling out AARP Social Security and Medicare Poll

I like this one Here’s a quote: “The Taxable Earnings Base Over Time The portion of Social Security covered earnings that are subject to the payroll tax has fluctuated over time (Figure 1). When the program began in 1937, taxable earnings represented 92% of covered earnings (Table A-1). By 1965, this ratio had dropped to its low of 71%. Prior to 1972, the taxable earnings base was updated periodically by Congress, which contributed to its dramatic fluctuations in the 1950s and 1960s. Since 1972, the base has been indexed to the increase in wages in the economy, which has reduced the volatility somewhat. As described earlier, to raise revenue, Congress raised the taxable earnings base in the 1977 amendments to the Social Security Act to a level that would cover 90% of aggregate earnings by 1982. Since the 1980s, the share of covered workers below the taxable earnings base has remained relatively stable at roughly 94%. However, the share of covered earnings that are taxed has fallen from 90% of all earnings in 1982 to 83% in 2007. The large declines in the late 1990s were mainly because salaries for top earners grew faster than the pay of workers below the cap.”
Source: correntewire.com

medicare coverage online tools 

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Source: texasfamilybenefits.com

National Association to Stop Guardian Abuse: TX: Biggest Medicare Fraud in History Busted in February, Says Feds

Federal officials say they have taken down the largest Medicare fraud scheme investigators have ever discovered: a $375 million dollar home healthcare scam operating in the Dallas, Texas area. The alleged “mastermind” of the fraud, Dr. Jacques Roy, is charged with certifying hundreds of fraudulent claims for Medicare reimbursement, and pocketing millions in payments for services not needed, or never delivered. Prosecutors say the 54-year-old Dr. Roy, who was arrested today and could be sentenced to life in prison, operated a “boiler room” to churn out thousands of phony Medicare claims and recruited homeless people as fake patients “Today, the Medicare Fraud Strike Force is taking aim at the largest alleged home health fraud scheme ever committed,” said Assistant Attorney General Lanny Breuer. “According to the indictment, Dr. Roy and his co-conspirators, for years, ran a well-oiled fraudulent enterprise in the Dallas area, making millions by recruiting thousands of patients for unnecessary services, and billing Medicare for those services.” Full Article and Source: Biggest Medicare Fraud in History Busted, Says Feds See Also: NASGA’s Open Letter to Congress: The Fleecing of Medicaid and the Taxpayer
Source: blogspot.com

Healthcare, Technology & Government 2.0: The Health Data Initiative Forum 2012

Posted by:  :  Category: Medicare

The Health Data Initiative (HDI), originally launched by the IOM and the U.S. Department of Health and Human Services (HHS) as the Community Health Data Initiative, is a public-private collaboration that encourages innovators to utilize health data to develop applications to raise awareness of health and health system performance and spark community action to improve health. In March 2010, the IOM and HHS hosted a small gathering of leaders from the White House, federal agencies, academia, social sectors, public health communities, information technology firms, major businesses, and health care delivery systems to catalyze the formation of a new Community Health Data Initiative, and to plan for a June 2010 launch. On June 2, 2010, the IOM and HHS held The Community Health Data Forum: Harnessing the Power of Information to Improve Health. The purpose of this public Forum was to further ongoing efforts of innovators using community-level health data to empower individuals and communities to make informed choices about their health. As the types of available health data expanded beyond community data to include data on coverage, access, cost, quality, products and recalls, benefits, and more, the Community Health Data Initiative was rebranded as the Health Data Initiative. In June 2011, the Health Data Initiative Forum expanded to include more than 50 applications that used data from HHS and other data suppliers. Community leaders, consumers, employers, providers, and others showcased ways that data could be used to spur health assessment, planning, and action. The Health Data Initiative Forum III: The Health Datapalooza (Health Data Palooza) was held June 5 and 6, 2012, at the Walter E. Washington Convention Center in Washington, D.C. The event brought together a diverse group of data experts, technology developers, entrepreneurs, policy makers, health care system leaders, and community advocates to support innovative application of health and health care data. The videos from the event are below. The Health Data Palooza featured more than 100 new or updated solutions, up from 45 solutions at last years event, that help serve the needs of consumers, health care providers, employers, public health leaders, and policy makers. “The innovators present today are a great example of how data and technology can be used in powerful ways to help consumers and providers improve health,” said HHS Secretary Kathleen Sebelius. “We’re not just creating new technology, but we’re empowering Americans to make better decisions about health and health care by putting information at their fingertips.”
Source: blogspot.com

Video: How to Apply For Medicaid in Florida Online

Medicare: What is Medicare?

In such cases even if the person is below the stated age frame Medicare can still be insured to the person.   However most people think that Medicare can help in paying for almost all medical necessities which is practically not what Medicare is, the insurance pays for bills for the patient for the most acute conditions—these are the conditions whereas the patient recovers from. Medicare does not provide for people who will need to stay in nursing homes or any home given care and from what is stated in the Medicare policies.   Going online and searching for Medicare details can help those who are planning to apply for Medicare, these are sites which tell you what is Medicare all about and the plans that a person may choose from.  Most people would not have a clue about the benefits that Medicare can offer them and help them save in payments for hospital bills, medication and other things that may fall under the divisions of Medicare. Most people can even apply for Medicare online by visiting government owned websites which make it easier for those who would want to view the benefits provided by the health care insurance program.
Source: retirementonlinefind.com

Want to Buy Lean Tea Online No Prescription, Cod Lean Tea Medicare Coverage, Tes

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Source: o-mazurach.pl

Who is really providing the online Medicare enrollment information? | medicarelane.com

The other day I asked myself this question – If Medicare consumers were to google a specific phrase on Medicare what sites would come up and how much of it was “marketing”? So to help answer that question I did a simple test, I Googled “Enroll in a Medicare Plan” and counted from the first 3 result pages how many hits were from government/non-profit, insurance carrier or agent website and independent sites. Then I also counted how many unique sites made up of the hits. See the results below:
Source: medicarelane.com

CMS Announces Data and Information Initiative

This wealth of data is critical to decision making for CMS and other stakeholders in the nation’s health care system. CMS must leverage this data to inform internal decisions and has a public responsibility to provide appropriate access to data (while ensuring beneficiary privacy) to external stakeholders in order to facilitate healthcare innovation. At the same time, CMS recognizes the critical role of analytics in transforming data resources into information and insight.  Through the creation of OIPDA, CMS is focusing resources to improve data access and dissemination, and enabling the development of new products and analysis tools designed to harness its data resources to better highlight relevant and actionable information for internal and external policy and decision makers.  In all of these activities, CMS will ensure that all data release and dissemination processes follow privacy laws and regulations and that the release of beneficiary identifiable data is limited to cases permitted by statute and regulations. OIPDA will also focus on creating new and innovative mechanisms, such as virtual data centers that allow data users remote and secure access to the data, to improve appropriate access to beneficiary identifiable data for research and analysis, while simultaneously increasing data security.
Source: nebraskaruralhealth.org

Overview of Medicare Appeal, Claim, Disclosure and Application Forms

“Medicare has made the process of completing and submitting forms easy,” notes Alan Weinstock, insurance broker at MedicareSupplementPlans.com, “by offering the Medicare application, claim forms for patients requesting payments and Medicare appeal forms all online. Even if your claim has been denied by Medicare, appeal forms can be submitted online requesting a hearing or case review.”
Source: ezinemark.com

Get Your Social Security Statement Online

To get a personalized online Statement, you must be age 18 or older and must be able to provide information about yourself that matches information already on file with Social Security. In addition, Social Security uses Experian, an external authentication service provider, for further verification. You must provide identifying information and answer security questions in order to pass this verification. Social Security will not share your Social Security number with Experian, but the identity check is an important part of this new, thorough verification process.
Source: patch.com

View and Compare Medicare Supplement Insurance Online

When it comes to taking the leap into gap insurance online advisors will guide you through what is available and help shop the Medigap market to find the best premiums that you qualify for. As rates change each year you will want to contact your online Medicare Supplement Insurance provider to get updates on lower rates from other Medigap Insurance providers. An online advisor is helpful in helping determine exactly what gap insurance program you should enroll in according to prior history and current lifestyle.
Source: internet-millionaire-articles.com

CMS Creates New Office To Oversee Information Products, Data Analysis

OIPDA will take over management of the agency’s data portfolio. CMS currently processes more than 1.3 billion claims annually and collects data on the meaningful use incentive program. OIPDA also will oversee data related to the federal health reform law’s health insurance exchanges, which will launch in 2014 (Zigmond,
Source: ihealthbeat.org

Ohio eases access for Medicaid

Posted by:  :  Category: Medicare

Uninsured Direct-Care Workers by Geographical Region, 2007-2009 by PHInational.orgCOLUMBUS — State officials are hoping to more easily grant uninsured pregnant women and children in Ohio access to health care services under Medicaid, if they are likely to qualify for the program that provides coverage to the poor and disabled. A pilot program slated to start next week would let certain health care providers in Ohio presume the patient’s eligible for Medicaid after an initial screening test. Children and expectant mothers would have to prove residency and provide other biographical details. The patients then could access the Medicaid-funded services immediately for 60 days while they apply for the program. Determining whether a person is eligible for the Medicaid program can take as long as 45 days, state officials said. Case workers must evaluate applicants against more than 150 separate categories to make eligibility determinations. The state wants to ease that enrollment time by allowing certain health care providers to presume Medicaid eligibility for children and pregnant women, the state’s Medicaid director said Tuesday. That way, patients will get the medical services they need faster and could be on a healthier path sooner. In general, potential beneficiaries do get served by some health care providers, but the delay in their Medicaid eligibility prevents them from getting prescriptions and any needed follow-up care, said Ohio Medicaid director John McCarthy. “What we’ve done is change that,” McCarthy told reporters at the news conference in Columbus. The state has been doing a limited version of presumptive eligibility for children, but that could only be granted at county job and family services offices, limiting the effectiveness for individuals with immediate medical needs. Under the pilot program, providers could perform an eligibility check and grant immediate medical assistance to both children and pregnant women where they receive their health care. A test run for the presumptive eligibility program will start at Nationwide Children’s Hospital in Columbus, MetroHealth System in Cleveland and the Community Action Committee of Pike County. The state hopes to expand the pilot program statewide by January. About 2.2 million Ohioans are enrolled in Medicaid. Roughly 1.2 million are children, and 30,000 are pregnant women, McCarthy said.
Source: wordpress.com

Video: Examining Abuses of Medicaid Eligibility Rules

Ohio Health Policy Review: ODJFS announces plan for ‘presumptive eligibility’ for Medicaid

In other states that have adopted presumptive eligibility, only 1 to 3 percent of those initially granted Medicaid benefits were later determined to be ineligible. “As a conservative Republican, that’s a risk worth taking,” said Ohio Sen. Dave Burke of Marysville. “If a woman comes into an office and says she’s pregnant and can’t afford services, I think that’s a risk worth taking. … I think that’s a good investment for the state, and it leads to productive children that go to school and get educated and become productive Ohioans.”
Source: healthpolicyreview.org

Ohio Launches Initiative to Expand and Improve Medicaid Presumptive Eligibility for Pregnant Women and Children

“Nationwide Children’s Hospital is honored to be a test site for enhanced Medicaid presumptive eligibility for children and adolescents,” said Kelly J. Kelleher, MD, vice president for health services research at Nationwide Children’s Hospital. “This program will allow preventive and treatment services to begin immediately for children and adolescents who might otherwise delay prescriptions or other therapies after an initial visit without insurance. It will also provide greater choices for a family that is seeking a medical home for their child or teen by offering immediate coverage. We look forward to working with the state of Ohio and other partners to increase access, improve outcomes and reduce health-care costs for Ohio’s children through this program.”
Source: asiainc-ohio.org

Medicaid Eligibility Increasing Under ACA

Some states have also taken steps to streamline their application processes. Utah, Georgia, Wisconsin, and Michigan have moved the process online.  Some of these systems can also cross check other state databases, making it easier to renew enrollees each year. These procedures will become standard in 2014 under the ACA.  The availability of federal funding to support these changes may obviously become affected by the decisions of the U.S. Supreme Court concerning the constitutionality and viability of the ACA, scheduled to be issued sometime in June.
Source: publicconsultinggroup.com

Many Kids on Medicaid Don’t See Dentist: Study

“This study confirms with actual paid Medicaid claims data that access to dental services for Medicaid-eligible children has increased 16 percent nationally between 2002 and 2007, even though no state has yet reached even 50 percent access,” said study co-author Dr. Allen Conan Davis, an associate professor at the University of Alabama at Birmingham School of Dentistry and former chief dental officer for the Centers for Medicare and Medicaid Services (CMS).
Source: healthmaga.com

Medicaid Eligibility to Expand: Ready or Not, Here They Come

Seems like now is the perfect time to start leveraging program integrity efforts to offset the additional costs by becoming proactive at identifying fraud and stopping it before it has the chance to drain you of already limited funds. Moving away from the pay and chase paradigm was once almost unheard of, but with the technologies available today fraud prevention can be looked upon as a cost containment function.
Source: lexisnexis.com

Connecticut Medicaid Eligibility First to Expand Under Reforms

"This is tremendous news for the state of Connecticut," said Gov. M. Jodi Rell in a statement. "For many years, Connecticut has provided state assistance to ensure that our most vulnerable single adults have access to health care. Now with this federal help, we will be able to provide increased medical benefits for them through Medicaid while relieving the burden on state taxpayers."
Source: suite101.com

Eligibility and Application for Nursing Home Medicaid QualificationElder Planning Alliance

The timing of applying for nursing home Medicaid / ICP Medicaid eligibility is an important aspect of strategic estate planning. Clearly, applying late could result in you and/or your loved one having to private pay rather than receiving payment from the government. As you are aware, this can be a significant and costly mistake. Additionally, applying too early could be costly if gifts have been made to loved ones within the “look-back period.” As of this writing, this period in the State of Florida is five years. This could trigger a disqualification for a certain time period. We will address gifting and disqualification in further detail in another article here. Briefly, in Florida, the math is as follows. If a gift is made within five years of nursing home Medicaid application, we look at what the gift was and the amount. For simplicity, if the gift was $100,000.00 to your daughter three years ago and you are currently applying for ICP Medicaid, you would be subject to a “disqualification” period. The applicable factor in Florida is currently $5,000.00. So, for a $100,000.00 gift we would divide that by $5,000.00 ($100,000/$5,000) which = 20. Therefore, the individual applying for nursing home Medicaid eligibility would be “disqualified” from receiving Medicaid benefits for a period of 20 months. Again, should you like a more detailed explanation of gifting, the look-back period, and the disqualification period, please click here.
Source: elderplanningall.com

Many uninsured diabetes patients gain Medicaid eligibility under healthcare reform (Morning Read)

Healthcare reform will lead many diabetics without insurance to Medicaid. New research has found that the number of uninsured diabetics covered by Medicaid will spike due to U.S. healthcare reform, increasing the need for strong Medicaid financing for the condition. Annual spending on Medicaid patients with diabetes was more than three times as much as spending on those without it, according to a new report from Kaiser..
Source: medcitynews.com

Georgiainsuranceshop.com Estimated Value $475.20 USD

Posted by:  :  Category: Medicare

The data contained in GoDaddy.com, LLC’s WhoIs database, while believed by the company to be reliable, is provided “as is” with no guarantee or warranties regarding its accuracy. This information is provided for the sole purpose of assisting you in obtaining information about domain name registration records. Any use of this data for any other purpose is expressly forbidden without the prior written permission of GoDaddy.com, LLC. By submitting an inquiry, you agree to these terms of usage and limitations of warranty. In particular, you agree not to use this data to allow, enable, or otherwise make possible, dissemination or collection of this data, in part or in its entirety, for any purpose, such as the transmission of unsolicited advertising and and solicitations of any kind, including spam. You further agree not to use this data to enable high volume, automated or robotic electronic processes designed to collect or compile this data for any purpose, including mining this data for your own personal or commercial purposes. Please note: the registrant of the domain name is specified in the “registrant” field. In most cases, GoDaddy.com, LLC is not the registrant of domain names listed in this database. Registrant: Robert Vineyard Registered through: GoDaddy.com, LLC (http://www.godaddy.com) Domain Name: GEORGIAINSURANCESHOP.COM Domain servers in listed order: NS2109.HOSTGATOR.COM NS2110.HOSTGATOR.COM For complete domain details go to: http://who.godaddy.com/whoischeck.aspx?domain=GEORGIAINSURANCESHOP.COM
Source: widestat.com

Video: Learn About Medigap Plans

Work With Blue Shield of Illinois

If you have a Medicare policy then perhaps it is time to find a Medigap policy from a company you can trust like Blue Shield of Illinois. As you may already know that Medicare has several “gaps” in its coverage. Medicare simply does not cover everything that may be needed such as nursing homes, in home health care or even the hospital deductible which was over a $1000 last year and goes up every January. Medigap is a type of insurance policy designed to cover the gaps left in the Medicare program for those with Medicare Part A or Medicare Part B insurance. This type of insurance is not issued by the government although it is closely regulated by both federal and state laws.
Source: abchealthplans.com

Treatment plans goes best with Medigap

But medigap insurance covers all these points. Medigap policies are financially stable and could be used by any persons. They are designed with various cost structure and are owned by any people. Only the point is that two persons can not use one policy. There are ten different policies within the Medigap insurance which are not available as a whole in all the states. The plans offered by the Medicare insurance companies are named with alphabets. Each and every plan has its own specialty and differs from each other. The medigap insurance policies are helpful in various ways. Some of the best Medicare supplement companies are the Anthem Blue Cross, Blue shield of California, Health Net and Aetna etc. These Medicare Supplement Insurance companies provide people with some great plans. The Medigap insurance plans are designed mainly for the older citizens. The agents are usually very helpful; they take care of all the insurance needs of the people. The supplemental Medicare plans are just a back up with a person’s Original Medicare insurance policies. And sometimes they offer much better benefits than the original Medicare plan. Medicare insurance can be very complex and confusing. One of the most frequently confused aspects of this insurance are the enrollment periods and which plans have which enrollment periods. There is one thing which is quite noteworthy about the Medicare Insurance and it is the fact that the changes that take place in these plans are often for betterment but sometimes they can also be the other way round. This is the reason why there is an acute necessity to stay informed about the Medicare insurance plans. A person who is already there with the Medicare insurance policies and a person who wants to enroll for the plans have to be very vigilant about the major changes that take place in the plans in order to remain on the best side of things. The main confusion that lies in choosing the Medicare plans is the fact that there is the availability of a number of plans, all having their own specific benefits and facilities to offer. All the plans are different from each other and they all have their rates as fixed upon by the government.
Source: ezinemark.com

View and Compare Medicare Supplement Insurance Online

When it comes to taking the leap into gap insurance online advisors will guide you through what is available and help shop the Medigap market to find the best premiums that you qualify for. As rates change each year you will want to contact your online Medicare Supplement Insurance provider to get updates on lower rates from other Medigap Insurance providers. An online advisor is helpful in helping determine exactly what gap insurance program you should enroll in according to prior history and current lifestyle.
Source: internet-millionaire-articles.com

2011 Medicare Supplement Coverage: Medigap Plan Numbers A

In 2011, Plans K, L and M do not cover 100% of all benefits at all times. Plan K covers 50% of Part B coinsurance/copayments, blood, Part A coinsurance/copayments for hospice care, coinsurance for skilled nursing facility care and the Part A deductible. Plan L gives 75% coverage for these benefits. Both of these options have yearly out-of-pocket limits of $4,640 (K) and $2,320 (L). Once you meet these limits (and any annual Part B deductible), plans will pay 100% for the rest of the year. Plan M restricts coverage of the Part A deductible to 50%.
Source: suite101.com

Evaluate Medigap Policies’ Costs: Learn how to Estimate Medicare Supplemental Insurance Costs

Consumers should evaluate their current and longer terms medical needs prior to buying a Medigap policy. There are local community resources at hospitals and at non profit Senior Centers that can help determine these needs along with a health care professional. Evaluate insurance policies based on how they set the premiums and on discount offerings. Individuals should be cautious not to buy the cheapest Medigap plan, but to get a plan that meets their medical needs together with affordability.
Source: suite101.com

Switching Insurance – Supplemental Medicare Plan: A Guide to Switching Medigap Health Care Options

Concerning Medigap insurance supplemental plans purchased through private insurers, such as Humana or Blue Cross Blue Shield, the answer is simple: no. However, Medicare.gov cautions, "You should be aware that if you have had your old Medigap policy for less than six months, the Medigap insurance company may be able to make you wait up to six months for coverage of a pre-existing condition. However, if your old Medigap policy had the same benefits, and you had it for six months or more, the new insurance company can’t exclude your pre-existing condition. If you’ve had your Medigap policy less than six months, the number of months you’ve had your current Medigap policy must be subtracted from the time you must wait before your new Medigap policy covers your pre-existing condition."
Source: suite101.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

Many Kids on Medicaid Don’t See Dentist: Study

Posted by:  :  Category: Medicare

“This study confirms with actual paid Medicaid claims data that access to dental services for Medicaid-eligible children has increased 16 percent nationally between 2002 and 2007, even though no state has yet reached even 50 percent access,” said study co-author Dr. Allen Conan Davis, an associate professor at the University of Alabama at Birmingham School of Dentistry and former chief dental officer for the Centers for Medicare and Medicaid Services (CMS).
Source: healthmaga.com

Video: Health Insurance Information : About Medicare Dental Benefits

Cummings Introduces Dental Care Bill

Sanders and Maryland Congressman Elijah Cummings on Thursday introduced Senate and House bills that would expand dental coverage to millions of Americans through Medicare, Medicaid and the Department of Veterans Affairs.
Source: cbslocal.com

#Masshealth Dental Providers

Community or Government Dental and vision Care – I have seen ads for dental clinics, ad even mobile dental care vans, at local society centers. Many church or society sponsored centers will have information on reduced fee clinics for seniors, disabled people, or others with low income. The federal government, state, or county may also run reduced fee clinics in some areas. Your local health and human resources offices should have information. There is help out there for older people, but it can take some digging to find it.
Source: blogspot.com

Sanders and Cummings Make the Case for a Comprehensive U.S. Dental System

The legislation from Sen. Sanders and Rep. Cummings also contains important policies aimed to strengthen the oral health workforce. Nearly 50 million people in the United States live in dental professional shortage areas where they cannot gain easy access to a dentist. Therefore, it is exciting to see that the legislation’s included funding for the establishment of new demonstration programs within the Department of Veterans Affairs and Defense, the Federal Bureau of Prisons, and Indian Health Service for the training and employing alternative dental health care providers, known as dental therapists. Dental therapists and other mid-level providers offer the opportunity to reduce economic and geographic barriers to dental care throughout the country. By establishing and funding pilot programs, dental therapists will be able to provide routine and preventive care to underserved populations as well as demonstrate their ability to increase access to high quality, cost effective care. Already, dental therapists are increasing access to dental care in rural and underserved communities in Alaska and Minnesota.
Source: communitycatalyst.org

Dental Plans: Why Americans Are Paying More for Less

(NEW YORK) — With all the attention paid to affordable health care, experts say standard dental coverage has changed little over the last 20 years while leading to greater out-of-pocket costs for consumers. As with the rising costs of overall health care, many times only the wealthiest have access to important dental care. Dr. Paul Glassman DDS, professor of dental practice and director of community oral health at University of the Pacific, said dental benefits and the cap on dental health plan benefits have not changed much in the past 20 years. But the cost of dental care has increased “dramatically.” As a result, more people are paying out of pocket if they want additional work done, he said. And those who struggle to afford oral health care may find even more problems down the line, with gum disease possibly contributing to ailments like diabetes and heart disease. Real out-of-pocket dental expenditures increased to $332 in 2008 from $270 in 1996, according to the American Dental Association’s (ADA) report published in April called, “Breaking Down Barriers to Oral health for All Americans: The Role of Finance.” The ADA said the figure dropped to $323 in 2009, but “this likely reflects the state of the economy, rather than any improvement in dental benefits.” Real per capita expenditures on overall personal health care reached $6,819 in 2009. Glassman said a number of issues have contributed to dental care’s higher costs. One major reason is that labor costs have increased in dental offices. Sen. Bernie Sanders, I-Vt., introduced a bill on Thursday called the Comprehensive Dental Reform Act of 2012 that tries to fill the gap for the 130 million Americans who have no dental insurance. Medicare covers almost no dental care, and no dental services for the elderly. Medicaid dental benefits vary by state and are often only for the most dire emergencies. Part of the bill proposes pilot programs for dental therapists, who would have more training than dental hygienists, to perform certain procedures. So far, Alaska and Minnesota allow some dental therapists to provide procedures that only dentists are permitted to do elsewhere. Sanders’ bill authorizes National Health Service Corps loan repayments for individuals licensed by a state as dental therapists. The American Dental Association has opposed this provision of the bill, telling Sanders in a letter that “only dentists can diagnose, develop treatment plans and provide complex treatment.” “Only 20 percent of the nation’s practicing dentists provide care to people with Medicaid, and only an extremely small percentage devote a substantial part of their practice to caring for those who are underserved,” Sanders said in a statement when he introduced his bill in Washington, D.C. “This bill addresses this by creating an incentive to increase Medicaid reimbursement rates for dentists by assisting the states in covering those costs.” President Obama’s Affordable Health Care Act, which will roll out by 2014, will impact some dental policies, such as small group and individual market policies. “Almost no states cover dental benefits now,” said Glassman. “Adults who are low income are almost out of luck in terms of having benefits now.” Burton Edelstein, pediatric dentist and Columbia University professor of dental medicine and health policy and management, said the basic design of dental plans has not changed dramatically over the past 20 years. He said dental plans are “essentially pre-paid dental benefits, rather than risk-shared insurance per se.” Edelstein said under current and proposed legislation, states and the federal government can develop plans to provide more intensive dental care to those with greater needs and less to those who don’t need it. Whether you have an employer subsidized dental plan, there are some steps you can take to make sure you are getting the most affordable dental care you can: 1. Many experts suggest seeking low-cost dental care, such as through Federally Qualified Health Centers. Sanders’ bill proposes increasing funding for oral health services at these public clinics, which have a sliding pay scale, and for school-based dental services. He also proposes new funding for mobile and portable services. Glassman is also a proponent of telehealth services in which dentists could provide remote supervision and collaboration without seeing every patient in person. 2. Put money in a health savings account (HSA). Nancy Metcalf of Consumer Reports said she often discourages people who do not have subsidized dental plans from getting individual dental coverage. 3. Research and negotiate prices. Metcalf said HealthcareBlueBook.com allows people to look up prevailing prices for local services. “Call up the dentist and make a deal with them,” she said. “Say that you’ll go to them for a root canal for $1,000. You’re probably going to do just as well if you don’t have dental insurance.” Copyright 2012 ABC News Radio
Source: abcnewsradioonline.com

The Niche Market: Buy Dental Equipment, Medicare Dental Coverage, Best Dental Websites

I’ve known many readers who make assumptions as to buy dental equipment, medicare dental coverage, best dental websites. Significantly, this was rather lively. When in doubt pertaining to senior dental plans, consult your inner child. Remember, “The best go first.” It is especially paramount if the only sort of buy dental equipment you are eligible for is one like this. It is the quiet before the storm. This is how to prevent being bothered as this regards to stuff. It will be a ripe experience. I recommend that you do it with best dental websites if you can. It’s a rather exceptional set of ideas to keep in mind. I have found this plenty of brains are a bit afraid of senior dental plans because what an honor this is. If you have developed problems with your best dental websites then the chances of experiencing that will increase. Personally, “Half a loaf is better than none.” That is one of the closely guarded secrets. Your own skills will determine what you can acomplish. It’s not hard to focus on senior dental plans. The New York Times published that this afternoon. I might be completely off here but it is the circumstances if it’s overshadowed by the amount of best dental websites they get by word of mouth.
Source: blogspot.com

Medicare supplement insurance policy benefits

Medicare Supplement Insurance Companies are the only authorized points that can sell you a Medigap policy. However, the benefits and coverage will differ from one plan to other but each standardized policy will offer same array of benefits irrespective of its provider. The basic benefits of Medigap policies are Medicare Part A Coinsurance, Copayment or Coinsurance related to Medicare part-B, Blood cost up to first three pints, Hospital costs up to an additional 365 days post-medicare benefits, Coinsurance related to skilled Nursing facility expenses, copayment or Coinsurance for Part A Hospice Care, etc. Additionally, there is other coverage within Medigap insurance plans like deductible Medicare Part-A, part-B, part-B excess charge, health emergency during foreign travel, recovery expenses at home, part-B Medicare Preventive Care coinsurance, and list of preventive cares not covered by medicate original policy.
Source: dentalinsurancereviews.net

Keeping your aging parent’s smile bright: Tips for selecting dental coverage

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: transitionagingparents.com