Competitive bidding: A market cure for Medicare’s crisis

Posted by:  :  Category: Medicare

The 2013 budget President Obama released this week once again abdicates the responsibility we have to save Medicare from fiscal insolvency. Responsible reform would ensure that seniors would continue to have access to the care they need without bankrupting younger generations who foot the bill. As I explain here, the budget’s proposed “savings” in the form of provider payment cuts have almost no chance of passing Congress. Moreover, piling on cuts to the Affordable Care Act’s looming burden on hospitals and nursing homes will only make it more difficult for seniors to get the care they need.
Source: aei-ideas.org

Video: Medicare Competitive Bidding Fiasco

Effect of Medicare Competitive Bidding on Equipment & Supplies

The American Association for Homecare (AAHC) also expressed concern with the program. AAHC officials stated that the group has received “reports from hundreds of Medicare patients about difficulty finding local equipment and service providers, delays in obtaining medically required DME, and fewer choices when selecting equipment and providers.” Medicare officials, on the other hand, attributed only 151 of the calls made to Medicare in the last year to beneficiaries with dissatisfaction with the competitive bidding program that could not be resolved by a call center representative.
Source: ehealthinsurance.com

Caltech: Medicare’s Competitive Bidding Program “Severely Flawed”

AAHomecare AARP Alliance for Home Health Quality and Innovation Almost Family Apria Healthcare Group Bank of America Brookdale Senior Living CareLinx Centers for Medicare & Medicaid Services CMS Emeritus Senior Living Employee Benefit Research Institute Ensign Group featured Fidelis Care First Care Home Health Care Gentiva Health Services Genworth Griffin Home Health HCR Home Care HHS Home Health Depot Home Health International Home Health International Inc. Houston Compassionate Care Intel-GE Care Innovations Jordan Health Services LHC Group Inc LSU Medical Staffing Network Healthcare Medicare Medistar Home Health MedPAC MMRGlobal National Association for Home Care & Hospice National Association for Home Care and Hospice PACE Paraprofessional Healthcare Institute Partnership for Quality Home Health Care Partnership for Quality Home Healthcare PeopleFirst Homecare Res-Care Inc. Stephenson Entrepreneurship Institute VA VIDA Senior Resource
Source: homehealthcarenews.com

Medicare To Expand Use Of Competitive Bidding

California Healthline: A Second Opinion on Medicare ‘Double Counting’ [T]he ACA’s budget impact — and its Congressional Budget Office score — are making headlines again, sparked by a new study from conservative scholar Charles Blahous. Blahous has a prominent perch: He’s one of two White House-appointed trustees for Medicare. And he’s made an eye-catching contention: The CBO wonks are wrong, and ObamaCare could add as much as $527 billion to the U.S. deficit across the next decade. But this latest debate doesn’t expose anything new about the health law. What it does illustrate is the flawed approach to Medicare accounting — and how easy it is to gin up another fight over health spending (Diamond, 4/18). 
Source: kaiserhealthnews.org

The Health Care: Medicare to Expand Competitive Bidding on Equipment

Medicare has historically used a fee schedule to pay suppliers. Officials gave this example of the savings: Under the fee schedule, Medicare would have paid $2,080 for an oxygen concentrator last year, and the beneficiary would have paid 20 percent, or $416. By contrast, with competitive bidding, Medicare paid about $1,395, and the beneficiary paid $279.
Source: blogspot.com

Medicare: Competitive Bidding

At the start of 2011, Medicare began a pilot system of competitive bidding for home health supplies in nine different regions throughout the country. Thus far, the program has received mixed reviews. A recent article in the New York Times touches on both sides of the story. Government officials plan to expand the system due to the $200 million in savings on medical equipment it has produced, despite the fact that many suppliers in the industry are against this action. Individuals who do not support competitive bidding claim that it has negative effects on smaller suppliers and on Medicare beneficiaries themselves.
Source: wordpress.com

Growing Together in Health Care: Medicare DME Competitive Bidding Program Under Fire

Investigators at the California Institute of Technology are warning that Medicare’s competitive bidding program for durable medical equipment (DME) is intrinsically flawed and likely to fail. Under the plan, skilled nursing facilities that need DME supplies can purchase them only from companies that submit the lowest bid to, and are approved by, CMS. The investigators are warning that this could force participants to submit low-ball bids, pushing prices down so low that the companies would have to cancel their offers. If this were to take place, the researchers warn, the government could end up negotiating prices with individual companies, which negates the whole purpose of a competitive-bidding program. To learn more, click here.
Source: blogspot.com

Medicare Competitive Bidding Pilot Reduced Costs by 42%, CMS Says

We find it hard to believe that there were only six negative calls about competitive bidding in the whole last quarter and just 151 over the past year. People for Quality Care (www.peopleforqualitycare.org) is an advocacy organization that talks to Medicare beneficiaries and providers across the country every day and we hear the damage competitive bidding has done.
Source: californiahealthline.org

Take Medicare Off That Check: Court Rules That Medicare Not Required to be on Settlement Check

Posted by:  :  Category: Medicare

OBAMAS DEATH PANEL------ GUESS WHAT FOLKS IT'S ALIVE AND WELL---"CRAZY PALIN" NOT SO CRAZY NOW by SS&SSIn general, some factors to consider on this front include: (a) starting the process to obtain conditional payment information early and during the course of the claim, as opposed to waiting until the claim settles; (b) reviewing Medicare’s conditional payment claim and requesting the removal of inappropriate items to obtain an accurate exposure assessment; (c) clearly delineating who will be responsible for reimbursing Medicare’s conditional payment claim and how this will be done as part of the settlement negotiations and settlement agreement; (d) including all necessary settlement provisions and language, and (e) employing the most effective and practical safeguards to ensure that sufficient funds are available once Medicare’s “final” conditional payment figure is received post-settlement.
Source: lexisnexis.com

Video: Hospice & Medicare Rules & Regs – Pt 1

Medicare Issues Proposed Rules on “Future Medicals” : Day On Torts

The Centers for Medicare & Medicaid Services have issued proposed rules to address the issue of how Medicare beneficiaries will protect Medicare’s interest when future medical care is claimed or the settlement or judgment released (or has the effect of releasing) claims for future medical care.
Source: dayontorts.com

Medical Coding and Medicare Services

When ICD-10 finally enters the American system, it will grow the complexity of the Medicare system greatly. There are 68,000 codes to be used in 10, as opposed to only 13,000 codes in the 9th version. This means Medicard processes will need to have the data storage space and system efficiency necessary to deal with exponentially more codes or slowdowns in payments will occur, followed immediately by slowdowns in cashflows and for the health industry as a whole. Some claims may suffer, too. The new code format, for example, classifies myalgic encephalomyelitis as a nervous system disease, while classifying Chronic Fatigue Syndrome in a vague “findings not elsewhere classified” code. The two conditions are the same, however, so a patient could find their benefits denied or changed because of the way a hospital decides to interpret the disease.
Source: samedifference1.com

FAQ Explain Employers’ Withholding Obligations for 2013 Additional Medicare Tax

If a former employee receives group-term life insurance coverage in excess of $50,000 and the resulting income is in excess of $200,000, how does an employer report Additional Medicare Tax on this? The imputed cost of coverage in excess of $50,000 is subject to social security and Medicare taxes, and to the extent that in combination with other wages it exceeds $200,000, it is also subject to Additional Medicare Tax. When group-term life insurance over $50,000 is provided to an employee (including retirees) after his or her termination, the employee share of social security and Medicare taxes and Additional Medicare Tax on that period of coverage is paid by the former employee with his or her tax return and is not collected by the employer. An employer should report this income as wages on Form 941, Employer’s QUARTERLY Federal Tax Return (or the employer’s applicable employment tax return), and make a current period adjustment to reflect any uncollected employee social security, Medicare, or Additional Medicare Tax on group-term life insurance. However, unlike the uncollected portion of the regular (1.45%) Medicare tax, an employer may not report the uncollected Additional Medicare Tax in box 12 of Form W-2 with code N.
Source: wordpress.com

Medicare Proposed Payment Rules for 2013 Awaiting Clearance : Health Industry Washington Watch

CMS has sent several major calendar year 2013 proposed Medicare payment rules to the White House Office of Management and Budget (OMB) for final regulatory clearance. Rules under consideration include the proposed Medicare outpatient hospital, ambulatory surgical center (ASC), end-stage renal disease, and home health prospective payment system rules for calendar year (CY) 2013, along with notices updating payment policies for inpatient rehabilitation facilities and hospices for fiscal year 2013. We also expect the CY 2013 proposed Medicare physician fee schedule rule to reach the OMB shortly. While the text of the regulations are not available at this point, we expect that they will be put on display at the Federal Register in the near future. We will be providing summaries of the rules in future updates.
Source: healthindustrywashingtonwatch.com

State Roundup: Rules Would Ban Collections In Nonprofit ERs

Bay Area News Group/San Jose Mercury News: Last Ditch Effort To Block Plan To Dissolve Healthy Families Advocates on Monday made a last ditch effort to persuade Gov. Jerry Brown and Democratic leaders to back down from a plan to eliminate Healthy Families, the medical insurance program that serves children from low-income working families. Axing the program to save tens of millions of dollars is a key provision in the budget that Brown and Democrats worked out last week as part of an agreement that spared more painful cuts to safety net programs for the poor. More than 900,000 children would be required to change to the Medi-Cal system over the next year and a half, forcing them to find new doctors in what critics say is an already overwhelmed system (Harmon, 6/25).
Source: kaiserhealthnews.org

CMS Allows Medicare Providers to Submit Documents Electronically to CMS Contractors

If providers do want to participate in the esMD program, they must first find out if their review contractor accepst esMD transactions. Additionally, providers will have to obtain access to an esMD gateway. To obtain access to a gateway, providers can either build their own or hire a Health Information Handler (HIH) to construct the gateway system. To find out which HIHs offer esMD gateway services to providers, click here. To learn more about requirements for participating in the esMD program, click here.
Source: thehealthlawfirm.com

New Additional Medicare Tax

The following questions and answers provide employers and payroll service providers information that will help them as they prepare to implement the Additional Medicare Tax which goes into effect in 2013. The Additional Medicare Tax applies to individuals’ wages, other compensation, and self-employment income over certain thresholds; employers are responsible for withholding the tax on wages and other compensation in certain circumstances. The IRS has prepared these questions and answers to assist employers and payroll service providers in adapting systems and processes that may be impacted.BASIC FAQs
Source: wordpress.com

Different Types of Medical Insurance Claims

Posted by:  :  Category: Medicare

TWO YEARS OF RUIN by SS&SSPersonal Injury claims are claims for services that are the result of some sort of a personal injury such as a slip and fall at a grocery store. For example, the other day my father-in-law fell outside of a Big Lots. He tripped on the curb right in front of the door, fell and cut his head open and the store manager called an ambulance. They took him to the hospital for stitches. (Thankfully he was ok except for that gash above his eye.) My brother-in-law and I arrived at the store after the ambulance had left. The store manager handed us a paper with all of their insurance information on it, including the address for us to submit claims. These claims are submitted on CMS 1500 forms to the insurance carrier for the responsible party. They are billed the same as you would bill to a regular insurance carrier, you just mail them to the personal insurance carrier for the responsible party. Same codes, regular fees. Facility claims are claims for services rendered at a provider that is classified as a facility such as a hospital, drug and alcohol rehab, eating disorder clinics ambulatory surgery center. Claims for facilities are usually filed on UB04 forms with Rev codes instead of CPT codes. The forms are quite different from the CMS forms but they really aren’t that bad. The biggest issue is that most practice management systems don’t print them so you need separate software. There is a UB04 form filler software available for about $250 that is really a pretty good software. And our book on completing the UB04 is very comprehensive. Providers that require billing on the UB04 can make great clients. We go into greater detail on Facility Billing in that section.
Source: wordpress.com

Video: Medicare Advantage Insurance

Can You Make Money Selling Medicare Advantage?

You should talk to someone who was on an MA plan and had to use it. I signed up a lady yesterday that had an MA plan in another state. Her health took a turn for the worse a few months back resulting in her spending 2 weeks in the hospital, 2 in rehab. Her $27 plan ended up costing her over $3,000 in OOP expenses. Even before her setback, her 1 – 2 monthly doc visits added to the cost of her plan. The Rx coverage that was married to the MA did not include her most expensive meds on their formulary. Since she has moved out of the service area she is GI and I put her on plan N @ $132 month plus another $38 for PDP that covers all her meds. In addition to more protection against OOP she no longer has to deal with networks and can use any doc anywhere.
Source: insurance-forums.net

Medicare Advantage Plans Connecticut 2012 « Insurance News from Crowe & Associates

There are a limited number of Medicare Advantage plans available in Connecticut for 2012.  The list includes plans from Connecticare, AARP/United, Aetna, Anthem BlueCross BlueShield and Wellcare.   Our agency has clients with all companies and plan types in Connecticut and we are happy to share the good and bad of them with you.
Source: croweandassociates.com

What is Medicare Advantage?

Desirability of Medicare Advantage. Why would a person choose a Medicare Advantage Plan over traditional Medicare coverage, particularly when such coverage might require the payment of additional monthly premiums? First, there are a number of different insurance companies that have plans with a $0 premium (in other words, the covered individual will only be required to pay their standard Part B premiums, but nothing else). In addition, some people find that the quality of care they receive from Medicare Advantage providers is superior to what they’d get from traditional Medicare coverage. Finally, since an increasing number of hospitals and doctors are declining to participate in the standard Medicare coverage program, there may be a very limited availability of services. Medicare Advantage may simply be only way for an individual to get the health care they need.
Source: insuranceadvice.com

MedicareSupplementPlans.com Connects Consumers With the Best Medicare Supplement Insurance Plan Offers

With the ever-increasing costs of medical care, even Medicare coverage can leave too many unpaid medical bills for the typical consumer to afford. Although Medicare was once considered an effective way to meet the medical care costs of older Americans and people with disabilities, today it simply isn’t enough, which leaves consumers seeking Medicare supplement insurance plans to cover additional costs. MedicareSupplementPlans.com recently launched its redesigned website to provide greater support, in-depth information and quotes for the best Medicare supplement insurance plans available. Also known as Medigap, Medicare supplement insurance plans are private health insurance plans designed to pay some of the health care costs not covered by Medicare, such as co-payments, co-insurance and deductibles. Visitors to MedicareSupplementPlans.com can simply fill out the form available on the site’s landing page to find and compare the best Medicare supplement insurance plans and rates from all of the top insurance companies. After filling out the form and clicking Get Quote, a licensed Medicare supplement insurance agent follows-up with a no pressure, free insurance quote with detailed information about plan options and benefits to meet individualized needs. “The advantage of choosing a supplemental Medicare insurance plan over Medicare Select or Medicare Advantage is that with a Medigap plan you have absolutely no network restrictions; in other words you can go anywhere for your health care as long as the provider accepts Medicare,” explained a MedicareSupplementPlans.com spokesperson. The site connects consumers with highly trained licensed agents. The agents help consumers cut through the jargon so they can select the plan that is most appropriate for them at the best possible price. The site offers a whole host of reference material with brochures, rates and applications for the top suppliers available to download. To assist consumers in choosing the correct plan the site offers a detailed but simple to follow Medicare supplement insurance plan benefit comparison chart. The chart details the benefits of different Medigap policies so consumers can quickly identify which plan is appropriate for their circumstances. Editorialized content accompanies the chart guiding consumers through the technicalities of the policies. About MedicareSupplementPlans.com MedicareSupplementPlans.com is Health and Life Insurance Services, LLC, one of California’s largest independent insurance agencies specializing in the best Medicare supplement insurance plans from leading brands. Visitors to the site can easily access comparison quotes, full customer service and detailed information about Medicare supplement insurance plans, as well as in-depth editorial content to guide them through the decision-making process. Learn more at http://www.medicaresupplementplans.com
Source: sbwire.com

How to Find Help Paying for Your Hearing Aid

Lions Affordable Hearing Aid Project: Offered through some Lions clubs throughout the U.S., this program provides the opportunity to purchase new, digital hearing aids manufactured by Rexton for $200 per aid, plus shipping. To be eligible, most clubs will require your income to be somewhere below 200 percent of the federal poverty level which is $22,340 for singles, or $30,260 for couples. Contact your local Lions club (see lionsclubs.org for contact information) to see if they participate in this project.
Source: typepad.com

Romney Lies About Medicare/Medicaid Change Of Address Form

Posted by:  :  Category: Medicare

There were periods during my government service when the business-does-it-this-way was fashionable.  Public private partnership (acronym PPP) became popular.  At some point what tended to happen or be realized was the understanding that the public service does not have, cannot have the same “bottom line” as a for-profit organization.  Wall Street exemplifies the outsize for-profit situation these days…I do not think most people want the government to emulate that value system when it comes to exercising government authority.  And, frankly, when you look at it, the basic myth at bottom of the business school takeaway about efficiency has a lot of flaws…not the least of which is that large, major corporations with their overpayment of failing executives and with their taking-care-of-the-top first motif are the opposite of even the the narrowest definition of “efficiency.”  
Source: talkleft.com

Video: Medicare Online

Always Look For Reasonable Medicare Along With Life Insurance To Get More Features

If you have dependents, you know that you need to look after them long after you’re not around anymore and the other way to achieve this is usually to have a Medicare plus a life insurance. You want to be financially secure and safe. Life insurance is considered as a wise investment for every elderly person. Affordable life insurance policy can shield your very own family from monetary burdens during senior years. Any individual having the basic internet knowledge can find affordable life insurance policies online. There are numerous websites and online businesses offering such services. Websites like these will help you out during your search and give you all the details and profit accompanied with the insurance plan. You can easily make out if ever the insurance plan is affordable or not. When looking for affordable life insurance, one should be vigilant on the options of an insurance provider as the company will not be there for you personally within 10 or 20 years whenever we really need it. An inexpensive life insurance policy offered by any unreliable life insurance company may become no protection at all. It’s sensible to search around and choose wisely for the trustworthy company. There is an incredible growth in earnings of all classes of people, but there is also instability factor with regards to their own future. And so the insurance industry has pointed out those dissimilar categories of people need several types of insurance policies. The insurance companies have designed insurance policies to pay for lives and properties in many respects. Assured issue health insurance. They modify policies every once in awhile to satisfy the need of the clients. Compare the benefits and premium before we buy affordable life insurance. When searching for affordable life insurance, we ought to also think about the consistency of the insurance company. This is important because we don’t like to wait on a long time to get the compensation. An affordable life insurance policy is that we are able to pay the premiums with no financial difficulty. Compare premiums from different life insurance companies, many of them provide online for free quote, just fill out the form and click on the steps, uncover the premium for the policy you are looking at. Everyone can get the affordable life insurance policy online, and choose one based on our budget. Soon you decide to purchase a Medicare along with the type of insurance that is best for you and your family, and then contact an agent for additional assistance. If you received an affordable life insurance quote online, stick to it to allow a broker to contact you in person. An agent goes over your policy and confer with you the various types of companies offering coverage. If satisfied and want to proceed further, the agent will order an extensive health check that you can do based on your convenience. Mind it; do not opt for a policy that has conditions and benefits decreasing based on age for noticeable and listed reasons. Deciding on a company which offers the superlative and flexible affordable life insurance coverage ought to be the final choice for any individual.
Source: blogspot.com

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

Daily Kos: Mitt Romney: Let’s make it easier to commit Medicare fraud than to register to vote

who will point this out? We do it all the time here, because we are among tens-hundreds?-of thousands of careful, literate readers who want to know the truth. The mainstream media? Not so much. Politicians will not call each other out, apparently, given their use of the terms “misspoke” and “misrepresented” instead of “lied” when discussing even their opponents. The sheer number of them from Republicans makes it nearly impossible for us make any of them “stick” in the voters minds–and of course, most get hit with the “both sides do it anyway” stance by everyone–so there is little to no downside to lying when slandering one’s opponent, other than to one’s conscience. And this is where most Dems (well, most liberals, at any rate) get hurt; we have consciences, so we feel bad if we lie, we try to avoid it, and we apologize or atone for misdeeds when caught, at the very latest. Paradoxically, that makes us weaker in the eyes of the voting public, instead of more reliable and honest.
Source: dailykos.com

Different Types of Medical Insurance Claims

Personal Injury claims are claims for services that are the result of some sort of a personal injury such as a slip and fall at a grocery store. For example, the other day my father-in-law fell outside of a Big Lots. He tripped on the curb right in front of the door, fell and cut his head open and the store manager called an ambulance. They took him to the hospital for stitches. (Thankfully he was ok except for that gash above his eye.) My brother-in-law and I arrived at the store after the ambulance had left. The store manager handed us a paper with all of their insurance information on it, including the address for us to submit claims. These claims are submitted on CMS 1500 forms to the insurance carrier for the responsible party. They are billed the same as you would bill to a regular insurance carrier, you just mail them to the personal insurance carrier for the responsible party. Same codes, regular fees. Facility claims are claims for services rendered at a provider that is classified as a facility such as a hospital, drug and alcohol rehab, eating disorder clinics ambulatory surgery center. Claims for facilities are usually filed on UB04 forms with Rev codes instead of CPT codes. The forms are quite different from the CMS forms but they really aren’t that bad. The biggest issue is that most practice management systems don’t print them so you need separate software. There is a UB04 form filler software available for about $250 that is really a pretty good software. And our book on completing the UB04 is very comprehensive. Providers that require billing on the UB04 can make great clients. We go into greater detail on Facility Billing in that section.
Source: wordpress.com

Anthem medicare part d prior authorization form

Medicare – medco.com®: Physician Services, clinical management. Under Maintenance Anthem medicare medication prior authorization Anthem medicare medication prior authorization Prior Authorization Request Form FAX to ESI: (877) 697-7192 Anthem ppo prior authorization form .
Source: typepad.com

Marci’s Medicare Answers, www.MedicareRights.org

Dear Alfred, If you do not enroll in the Medicare prescription drug benefit (Part D) when you first become eligible, and you choose to enroll at a later date, you may have to pay a premium penalty. The premium penalty will be 1 percent for every month you delay enrollment (1 percent of the national base beneficiary premium). For example, the national base beneficiary premium in 2012 is $31.08 a month. If you delayed enrollment for seven months, your monthly premium penalty would be $2.18 ($31.08 x 1% = $0.3108 x 7 = $2.18), which will be added to your plan’s monthly premium.
Source: homeboundresources.com

FREEDOMISMIST: TEXAS COMPANY BILKED MEDICARE OUT OF MILLIONS

TEXAS COMPANY BILKED MEDICARE OUT OF MILLIONS June 28, 2012 + CHICAGO TRIBUNE MCALLEN, Texas (Reuters) – Federal agents on Thursday arrested four employees of a now-defunct Texas medical equipment supplier who are accused of bilking Medicare and Medicaid out of millions of dollars via fake claims, including some made on behalf of dead people, according to court documents. The owner and three employees of RGV DME, a onetime medical supplier near the U.S.-Mexican border in Pharr, Texas, each face allegations of 22 counts of health care and wire fraud, conspiracy and aggravated identity theft, according to a federal indictment unsealed on Thursday. The durable medical equipment supplier received about $7.1 million in reimbursements from the Medicare and Texas Medicaid programs for power wheelchairs, mattresses, incontinence supplies and other products, U.S. Attorney Kenneth Magidson, who heads the Southern District of Texas, said in a statement. The defendants billed the government for medical equipment never prescribed by doctors or delivered to customers â some of whom were dead when the claims were filed, Magidson said. Of the approximately 25,000 claims the company filed with the state and federal health care programs between 2004 and 2010, as many as 90 percent were fraudulent, Magidson said. Arrested Thursday were Marcello Herrera, 39, the medical equipment company’s owner, his wife, Carla Cantu Herrera, 31, who served as its marketing director, and former employees Ramon de la Garza, 51, and Beatriz Ramos, 27, court records showed. All four are accused of working together to forge patients’ and doctors’ names on forms filed with the federal Medicare program for the elderly and the federal-state Medicaid program for low-income people, Magidson said. If convicted of wire fraud â the most severe charge lodged Thursday â each defendant faces up to 20 years in prison and a $250,000 fine. Penalties for the other charges range from two to 10 years in prison. Federal court records listed no defense attorneys retained by any of the defendants. In Washington, the U.S. Supreme Court on Thursday upheld President Barack Obama’s healthcare law, the most sweeping overhaul since the 1960s of the unwieldy U.S. healthcare system. In a 5-4 ruling based on the power of Congress to impose taxes, the nation’s highest court preserved the law’s “individual mandate” requiring that most Americans obtain health insurance by 2014 or pay a tax. (Editing by Corrie MacLaggan and Tim Gaynor)
Source: blogspot.com

The NEW Obamacare Taxes combined with Expiring Bush Tax Cuts [redacted.]

“The Imperial Senate will no longer be of any concern to us. I’ve just received word that the Emperor has dissolved the council permanently. The last remnants of the old republic have been swept away.”
Source: redstate.com

How We Can Stop Older Americans From Being “Bullied”

Taking time to listen and to really “hear” people–of any age—are the first lines of defense against bullying.  Looking for these signs and carefully talking with the older people in your life can be an important first step in determining whether or not there is a problem.  If you know someone who is being bullied or is a victim of aggressive behavior, there are steps you can take to get the bullying to stop – and the information is available at: http://www.stopbullying.gov/what-is-bullying/related-topics/young-adults/index.html.
Source: medicare.gov

FAQ Explain Employers’ Withholding Obligations for 2013 Additional Medicare Tax

If a former employee receives group-term life insurance coverage in excess of $50,000 and the resulting income is in excess of $200,000, how does an employer report Additional Medicare Tax on this? The imputed cost of coverage in excess of $50,000 is subject to social security and Medicare taxes, and to the extent that in combination with other wages it exceeds $200,000, it is also subject to Additional Medicare Tax. When group-term life insurance over $50,000 is provided to an employee (including retirees) after his or her termination, the employee share of social security and Medicare taxes and Additional Medicare Tax on that period of coverage is paid by the former employee with his or her tax return and is not collected by the employer. An employer should report this income as wages on Form 941, Employer’s QUARTERLY Federal Tax Return (or the employer’s applicable employment tax return), and make a current period adjustment to reflect any uncollected employee social security, Medicare, or Additional Medicare Tax on group-term life insurance. However, unlike the uncollected portion of the regular (1.45%) Medicare tax, an employer may not report the uncollected Additional Medicare Tax in box 12 of Form W-2 with code N.
Source: wordpress.com

Medicare vs Affordable Health Care?

Posted by:  :  Category: Medicare

Stella Johnson On The Impact Of Health Insurance Reform by Leader Nancy PelosiMedicare has been doing the same thing as the Affordable Health Care Act does which is to “tax” a person for non-conpliance in the system.  Apparently, when these were passed, nobody complained about them.  But, please look at the position the Supreme Court was in.  Programs which included “taxes” were already passed with no review by the Supreme Court, and then they had to review the Affordable Health Care Act which does exactly the same thing.  Politically, those in favor chose another word, “mandate” so they could ensure themselves re-election by not calling it a “tax.”  Another reason to mean what you say and say what you mean!  Where was the outcry about these “mandate aka taxes?”
Source: ning.com

Video: Strategy #7: Reducing Your Medicare Premium

What is the “Medicare Guarantee”?

Some background:  Two years ago, Chairman Ryan and Alice Rivlin (founding Director of the Congressional Budget Office, former Director of the Office of Management and Budget under President Clinton, and lots of other cool stuff) collaborated on a bipartisan approach to Medicare premium support.  Then last year, when Republicans took control of the House and Chairman Ryan was called upon to submit a budget resolution, he included that basic idea but modified it substantially.  The key difference was that where Rivlin-Ryan would have imposed a modest cap on Medicare cost growth to ensure future budget savings, Chairman Ryan substituted a draconian cap that would be sure to reduce the public contribution to the program, leaving even modest-income Medicare beneficiaries with much-increased out-of-pocket costs.  (The savings from this tight cap were needed to “pay for” a substantial tax cut also included in the House budget resolution.)  The 2011 Ryan proposal would have “ended Medicare as we know it.”
Source: backintheblackblog.org

Comparison of Medicare Premium Support Proposals

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

Health Policy Brief: Medicare Premium Support

Premium support is a key part of several deficit budget plans, including those offered by House Budget Committee Chair Paul Ryan (R-WI) and Sen. Ron Wyden (D-OR) as well as by former White House budget director Alice Rivlin and former Senate Budget Committee Chair Pete Domenici (R-NM), among others. Proponents believe restructuring Medicare this way would be an important move toward fiscal responsibility. Critics of premium support proposals fear that over time, more and more of the costs of health care would be shifted onto Medicare beneficiaries.
Source: healthaffairs.org

Hearing Examines Proposals for Medicare Premium Support Program

Premium support proposals include: “Guaranteed Choices to Strengthen Medicare and Health Security for All: Bipartisan Options for the Future,” by Rep. Paul Ryan (R-Wis.) and Sen. Ron Wyden (D-Ore.); “The Path to Prosperity: A Blueprint for American Renewal” by Rep. Paul Ryan (R-Wis.); S. 2196, the “Congressional Health Care for Seniors Act of 2012,” introduced by Sen. Rand Paul (R-Ky.), “The Seniors’ Choice Act” by Sens. Richard Burr (R-NC) and Tom Coburn (R-Okla.) and the “Domenici-Rivlin Protect Medicare Act” by Former Sen. Pete Domenici and Dr. Alice Rivlin.
Source: c-span.org

New to Medicare? Beware of penalties

Penalties?  If you are new to Medicare, make sure you act within your Initial Enrollment Period (IEP).  Usually if you are not still working and do not have employer coverage, you sign up as soon as you are allowed.  Medicare coverage is so much more comprehensive and cost-effective than any individual coverage you might have.  Just like with life insurance, the older you are when you enroll, the higher the premium—or in this case, penalty.  So sign up when eligible to avoid that penalty.
Source: retirementeducationplus.com

Report: Enrollment up, premiums down for Medicare Advantage

The Kaiser Family Foundation found that this year, enrollment in the program grew by 10 percent — jumps were seen in all but two states — and that the average premium paid by enrollees dropped by $4. The program now covers more than 13 million beneficiaries, or 27 percent of the Medicare population, the report stated.  In 2010, after the healthcare reform law passed, the Obama administration predicted that Medicare Advantage premiums would fall for enrollees as a result of officials’ negotiations with insurers. This ran contrary to the opinions of lawmakers and some policy experts, according to The New York Times. The law’s cuts to the program are expected to save $136 billion over 10 years. A related project, aimed at moderating pain from the cuts with quality bonuses to MA insurers, has received criticism from federal investigators as being wasteful.
Source: thehill.com

Medicare Reform: Premium Support Is Bipartisan

Another classic example of premium support is the highly successful Federal Employees Health Benefits Program (FEHBP), which provides quality coverage and a variety of health options to approximately 8 million current and retired federal employees and their families. As Medicare reform proposals begin to replicate the best features of the popular FEHBP, Breaux, like many others in Congress who supported his premium support effort in 1999, emphasized that the dynamics of a competitive market would reproduce the level of quality and patient satisfaction that has been a hallmark of the FEHBP. That is why Breaux then and Senators Richard Burr (R–NC), Tom Coburn (R–OK), and Ron Wyden (D–OR) today often point to the success of the competitive experience of their own health coverage and see it is as a model for reform.
Source: heritage.org

Payroll Taxes Cover About a Third of Medicare Costs

But 94% of seniors pay a considerable extra increment above these numbers for their health care. In addition to the Part B premium noted in the article and out of pocket costs primarily for annual physicals, vision and dental services (which are mostly not covered by Medicare), many seniors pay for an employer sponsored retiree healthcare insurance plan, a large group pay extra for a Part C Medicare plan, about 15%-20% buy a private Medicare supplement policy (commonly called Medigap), a small percentage are in the VA system, and about 10%-20% of us have to apply for welfare.
Source: dmarron.com

MedicareSupplementPlans.com Connects Consumers With the Best Medicare Supplement Insurance Plan Offers

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSWith the ever-increasing costs of medical care, even Medicare coverage can leave too many unpaid medical bills for the typical consumer to afford. Although Medicare was once considered an effective way to meet the medical care costs of older Americans and people with disabilities, today it simply isn’t enough, which leaves consumers seeking Medicare supplement insurance plans to cover additional costs. MedicareSupplementPlans.com recently launched its redesigned website to provide greater support, in-depth information and quotes for the best Medicare supplement insurance plans available. Also known as Medigap, Medicare supplement insurance plans are private health insurance plans designed to pay some of the health care costs not covered by Medicare, such as co-payments, co-insurance and deductibles. Visitors to MedicareSupplementPlans.com can simply fill out the form available on the site’s landing page to find and compare the best Medicare supplement insurance plans and rates from all of the top insurance companies. After filling out the form and clicking Get Quote, a licensed Medicare supplement insurance agent follows-up with a no pressure, free insurance quote with detailed information about plan options and benefits to meet individualized needs. “The advantage of choosing a supplemental Medicare insurance plan over Medicare Select or Medicare Advantage is that with a Medigap plan you have absolutely no network restrictions; in other words you can go anywhere for your health care as long as the provider accepts Medicare,” explained a MedicareSupplementPlans.com spokesperson. The site connects consumers with highly trained licensed agents. The agents help consumers cut through the jargon so they can select the plan that is most appropriate for them at the best possible price. The site offers a whole host of reference material with brochures, rates and applications for the top suppliers available to download. To assist consumers in choosing the correct plan the site offers a detailed but simple to follow Medicare supplement insurance plan benefit comparison chart. The chart details the benefits of different Medigap policies so consumers can quickly identify which plan is appropriate for their circumstances. Editorialized content accompanies the chart guiding consumers through the technicalities of the policies. About MedicareSupplementPlans.com MedicareSupplementPlans.com is Health and Life Insurance Services, LLC, one of California’s largest independent insurance agencies specializing in the best Medicare supplement insurance plans from leading brands. Visitors to the site can easily access comparison quotes, full customer service and detailed information about Medicare supplement insurance plans, as well as in-depth editorial content to guide them through the decision-making process. Learn more at http://www.medicaresupplementplans.com
Source: sbwire.com

Video: Compare Medicare Supplement Plans | Supplemental Medicare Insurance

Central States Indemnity Medicare Insurance

Berkshire Hathaway is of course the large investment conglomerate run by none other than Warren Buffett.  In 1992, Berkshire acquired Central States and due to the immense resources behind such a well respect holding company, CSI is afforded an extremely high rating for a midsize Medicare supplement provider.
Source: ohioinsureplan.com

Wayne, Michigan Medicare Supplement Plan G

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SS[…] In an earlier post on this blog, we looked at Medicare supplement plan F, and how it is the most popular supplement plan on the market.  With this post, we are going to look at Michigan Medicare supplement plan G, and how it might be the available product on the market.Source: cheapinsuranceinmichigan.com […]
Source: cheapinsuranceinmichigan.com

Video: Medicare Supplement Plan, Cary, Raleigh, Durham, Chapel Hill, Greensboro, Charlotte, NC

MedicareSupplementPlans.com Connects Consumers With the Best Medicare Supplement Insurance Plan Offers

With the ever-increasing costs of medical care, even Medicare coverage can leave too many unpaid medical bills for the typical consumer to afford. Although Medicare was once considered an effective way to meet the medical care costs of older Americans and people with disabilities, today it simply isn’t enough, which leaves consumers seeking Medicare supplement insurance plans to cover additional costs. MedicareSupplementPlans.com recently launched its redesigned website to provide greater support, in-depth information and quotes for the best Medicare supplement insurance plans available. Also known as Medigap, Medicare supplement insurance plans are private health insurance plans designed to pay some of the health care costs not covered by Medicare, such as co-payments, co-insurance and deductibles. Visitors to MedicareSupplementPlans.com can simply fill out the form available on the site’s landing page to find and compare the best Medicare supplement insurance plans and rates from all of the top insurance companies. After filling out the form and clicking Get Quote, a licensed Medicare supplement insurance agent follows-up with a no pressure, free insurance quote with detailed information about plan options and benefits to meet individualized needs. “The advantage of choosing a supplemental Medicare insurance plan over Medicare Select or Medicare Advantage is that with a Medigap plan you have absolutely no network restrictions; in other words you can go anywhere for your health care as long as the provider accepts Medicare,” explained a MedicareSupplementPlans.com spokesperson. The site connects consumers with highly trained licensed agents. The agents help consumers cut through the jargon so they can select the plan that is most appropriate for them at the best possible price. The site offers a whole host of reference material with brochures, rates and applications for the top suppliers available to download. To assist consumers in choosing the correct plan the site offers a detailed but simple to follow Medicare supplement insurance plan benefit comparison chart. The chart details the benefits of different Medigap policies so consumers can quickly identify which plan is appropriate for their circumstances. Editorialized content accompanies the chart guiding consumers through the technicalities of the policies. About MedicareSupplementPlans.com MedicareSupplementPlans.com is Health and Life Insurance Services, LLC, one of California’s largest independent insurance agencies specializing in the best Medicare supplement insurance plans from leading brands. Visitors to the site can easily access comparison quotes, full customer service and detailed information about Medicare supplement insurance plans, as well as in-depth editorial content to guide them through the decision-making process. Learn more at http://www.medicaresupplementplans.com
Source: sbwire.com

How you can choose right Medicare supplement plan?

Find right coverage Madigap Plans and Medicare Supplement Plan for insure your supplemental Medicare after retirement. Mymedicare advisor helps you make a decision about how to choose a Medigap Plans, Medicare Supplement Plan, and Supplemental Medicare plan. My Medicare advisor is best organization for Selection of right Medicare supplement plan. We provide the services in all states of USA. We have dedicated team and our experts have huge experience in Medicare Insurance sector. We help for selection of right Medicare supplement plan. We clear all your doubt about Medicare supplement plan, Madigap Plans and Supplemental Medicare plan. We are looking that many people are not satisfied from their Medicare supplement plan. Because when they joined Medicare supplement plan they didn’t think more about right Medicare supplement plan. Medicare insurance companies provide the different services after retirement it means older 65 ages. There are many Medicare advisor companies are working. But My Medicare advisor is best rather than others. My Medicare advisor first gives the full guidance to client. We help for getting more coverage in low cost. We have 25+ year experience and thousands of people joined us. We promise that we will assist you in future for all problems. Medicare is a very complex problem for everyone isn’t easy. Many insurance companies are giving different coverage in same plan. By these reason you are confused and you can’t do selection of right Medicare plan. My Medicare advisor works in only six steps. Our all steps are very easy to learn. Anybody can get knowledge easily. If you don’t have the knowledge about Medicare insurance then you can understand about right Medicare supplement plan. Our steps are as follow. Step 1: In our first step we guide client to about what is Medicare? We give full information about Medicare then anybody can choose right Medicare supplement plan. And in this step we guide to client about Medicare supplement plan A and B. Step 2: In our second step we guide client fully about difference between Medicare advantages Vs Medicare supplement plans. Also we guide about in your local area based Medicare supplement plan and Medicare advantages plan. Step 3: In this step we give advice you for selection of right Medicare supplement plan based on our experience. We suggest to you which plan is correct for you and your family, your shop. We are very diligent for you. You should trust our Medicare supplement plan. Step 4: In this step we again review all information about your supplement plan that you have selected. Step 5: In this step we fill up all paper information about you. We sure about your enrollment number and we check and correct all your paper information. We clear all your doubt about our Medicare supplement plan and our organization. Step 6: In our last step we work on your question. If you have any question and doubts then we solve every problem of you. If you don’t just choose a plan then we give you chance for again you can come and you can call and email facility away. We provide each client free annual reviews to make sure that you are still in the right Medicare supplement plan, at the lowest cost. Our all steps are very simple for achieve your goal. My Medicare advisor is always ready to help in term of Medicare insurance plan. We have knowledge about all Medicare supplement plan A to N. My Medicare advisor wants to help you with all aspects of selecting a Medicare Plan. We provide free of cost advise. Medigap Plans
Source: articlecompilation.com

Medicare Supplement Quotes, When Should You Get Them?

If you think you are healthy enough to not require more coverage than Medicare Part A, you should know that not gettting your Medicare Supplement Quotes now will mean paying a penalty later. For instance, lets say you choose to not but any Medicare Supplement Plan until you are 70. Then when you do get your Medicare Supplement Quotes, you will need to pay 50% more premium (10% per year since you turned 65) than your peers. 
Source: benepath.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: professional-article-marketing.com

Central States Indemnity Medicare Insurance

Berkshire Hathaway is of course the large investment conglomerate run by none other than Warren Buffett.  In 1992, Berkshire acquired Central States and due to the immense resources behind such a well respect holding company, CSI is afforded an extremely high rating for a midsize Medicare supplement provider.
Source: ohioinsureplan.com

MedicareSupplementPlans.com Connects Consumers With the Best Medicare Supplement Insurance Plan Offers

Posted by:  :  Category: Medicare

With the ever-increasing costs of medical care, even Medicare coverage can leave too many unpaid medical bills for the typical consumer to afford. Although Medicare was once considered an effective way to meet the medical care costs of older Americans and people with disabilities, today it simply isn’t enough, which leaves consumers seeking Medicare supplement insurance plans to cover additional costs. MedicareSupplementPlans.com recently launched its redesigned website to provide greater support, in-depth information and quotes for the best Medicare supplement insurance plans available. Also known as Medigap, Medicare supplement insurance plans are private health insurance plans designed to pay some of the health care costs not covered by Medicare, such as co-payments, co-insurance and deductibles. Visitors to MedicareSupplementPlans.com can simply fill out the form available on the site’s landing page to find and compare the best Medicare supplement insurance plans and rates from all of the top insurance companies. After filling out the form and clicking Get Quote, a licensed Medicare supplement insurance agent follows-up with a no pressure, free insurance quote with detailed information about plan options and benefits to meet individualized needs. “The advantage of choosing a supplemental Medicare insurance plan over Medicare Select or Medicare Advantage is that with a Medigap plan you have absolutely no network restrictions; in other words you can go anywhere for your health care as long as the provider accepts Medicare,” explained a MedicareSupplementPlans.com spokesperson. The site connects consumers with highly trained licensed agents. The agents help consumers cut through the jargon so they can select the plan that is most appropriate for them at the best possible price. The site offers a whole host of reference material with brochures, rates and applications for the top suppliers available to download. To assist consumers in choosing the correct plan the site offers a detailed but simple to follow Medicare supplement insurance plan benefit comparison chart. The chart details the benefits of different Medigap policies so consumers can quickly identify which plan is appropriate for their circumstances. Editorialized content accompanies the chart guiding consumers through the technicalities of the policies. About MedicareSupplementPlans.com MedicareSupplementPlans.com is Health and Life Insurance Services, LLC, one of California’s largest independent insurance agencies specializing in the best Medicare supplement insurance plans from leading brands. Visitors to the site can easily access comparison quotes, full customer service and detailed information about Medicare supplement insurance plans, as well as in-depth editorial content to guide them through the decision-making process. Learn more at http://www.medicaresupplementplans.com
Source: sbwire.com

Video: Medicare Supplemental Insurance Comparison

The Importance of Comparing Medicare Supplemental Insurance Plans

Many Medigap customers think that comparing Medicare supplement insurance is a highly complicated process and that only insurance agents will know how to compare these supplement to Medicare policies. If you too are holding the same view about Medicare supplemental insurance, then you will be surprised to learn that comparing your Medigap plan options need not be a complicated or tedious process anymore. Today, the internet has empowered the customers so much that they can accomplish a lot of time consuming tasks in a matter of just few clicks. This applies to Medicare supplemental insurance price comparison too. You will be able to compare your Medicare supplement plans easily online. You will not have to visit several websites or spend several hours anymore to compare the various policies. You just need to find a reliable Medicare supplemental insurance website such as Lowcostmedigap.com that will allow you to compare Medigap plans online. Using such online services you will be able to make well-informed choices on your Medicare supplement. You will be able to save not only a lot of money but also a lot of time by comparing your Medicare supplement plans online.
Source: medicarequotefinderblog.com

Arkansas Medicare Supplements

I hope you receive new knowledge about . Where you may offer use in your evryday life. And above all. View Related articles related to Medicare Supplement. I Roll below. I even have suggested my friends to help share the Facebook Twitter Like Tweet. Can you share Arkansas Medicare Supplements.
Source: blogspot.com

Medicare Advantage or Medicare Supplement: Which to sell?

Finally, it’s important to look at the value of each specific type of Medicare Advantage plan.  Medicare Advantage plan types are HMO, PPO and Private Fee for Service (PFFS).  Generally speaking, HMO plans are best able to manage networks, coordinate care, manage diseases and limit provider access.  This makes them most efficient in limiting claims cost.  The next most efficient would be PPO products with PFFS products as the least efficient.  Therefore, all other things being equal, an HMO should be able to deliver the most additional value, followed by a PPO and lastly, a PFFS plan.
Source: ritterim.com

Medicare supplement comparison

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Source: fluxfeatures.com

Sterling Insurance providing Medicare Supplement Policies in California

Posted by:  :  Category: Medicare

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Source: medigap4seniors.com

Video: Pat Creech Insurance – Mount Sterling, KY

A View on the Impact of the Supreme Court Ruling on HDHPs

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Source: sterlinghsa.com

Rep. Cummings wants federal workers comp insurer for overseas contractors

The federal government has been requiring government contractors to provide workers’ comp to their employees at overseas military bases going back to 1941’s Defense Base Act, which has since been expanded to require coverage for nearly all overseas contractors and subcontractors of any government agency. For decades, the DBA workers’ comp program was a tiny and insignificant one, with total premiums of just $18 million as recently as 2002. But with the enormous build-up of contractors in Iraq and Afghanistan over the past decade, premiums grew to more than $400 million by 2007.
Source: rstreet.org

Utah Medicare Part D Plans

Whereas you can compare stand-alone plans to each other, you must compare the entire Advantage plan package to other Advantage plans. This complicates things a little. For instance, a plan with great drug benefits may be less than desirable for its medical benefits or provider network.
Source: partdplanfinder.com

Sterling Investors Medicare Supplement Plans

It’s human nature for a person to constantly feel secured. If they feel safe, if they feel like they don’t have to worry, then they can enjoy themselves. They can be themselves. This idea can apply to many contexts. If parents are dropping their kids off at a well-maintained and secured daycare, they know they’re in good hands. Family members double check their supplies to be sure they’re completely prepared for the camping trip. The very same idea goes for seniors and healthcare insurance. Elderly people and their families want to be certain that they are receiving top quality healthcare insurance. They also want to have options that meet their requirements.
Source: gomedigap.com

Sterling Medicare Supplemental Insurance Reviews

Sterling Option #1 is the first Medicare Advantage plan that allows holders to combine Medicare Supplemental Services and traditional Medicare. This ultimately translates into seeing your physician and allowing the bill to be sent to Sterling. Sterling will pay the bill and Medicaid will be notified of their portion, which then pays Sterling. This subsequently saves lots of time and headaches with filing claims with Medicaid and Sterling. Sterling basically handles everything while making the process as simple as possible for you. Your only concern will be paying the premiums for your Sterling Medicare Supplemental Insurance plan as well as for the Medicare Part B plan.
Source: ihealthcoalition.org

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

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

Sterling Life Insurance Medicare Supps.

Has anyone heard of Sterling Life (captive company) reducing Medicare Supplement rates in PA. I talked to a man that claims that his insurance plan premium was reduced by around $40 per month without switching plans? Any Sterling agents on the forum? I am also interested in finding out what Sterling is going to do this year and next with their PFFS. If anyone has info, please post.
Source: insurance-forums.net

Different Types of Medical Insurance Claims

Posted by:  :  Category: Medicare

Healthcare solution >> more doctors by / // /Personal Injury claims are claims for services that are the result of some sort of a personal injury such as a slip and fall at a grocery store. For example, the other day my father-in-law fell outside of a Big Lots. He tripped on the curb right in front of the door, fell and cut his head open and the store manager called an ambulance. They took him to the hospital for stitches. (Thankfully he was ok except for that gash above his eye.) My brother-in-law and I arrived at the store after the ambulance had left. The store manager handed us a paper with all of their insurance information on it, including the address for us to submit claims. These claims are submitted on CMS 1500 forms to the insurance carrier for the responsible party. They are billed the same as you would bill to a regular insurance carrier, you just mail them to the personal insurance carrier for the responsible party. Same codes, regular fees. Facility claims are claims for services rendered at a provider that is classified as a facility such as a hospital, drug and alcohol rehab, eating disorder clinics ambulatory surgery center. Claims for facilities are usually filed on UB04 forms with Rev codes instead of CPT codes. The forms are quite different from the CMS forms but they really aren’t that bad. The biggest issue is that most practice management systems don’t print them so you need separate software. There is a UB04 form filler software available for about $250 that is really a pretty good software. And our book on completing the UB04 is very comprehensive. Providers that require billing on the UB04 can make great clients. We go into greater detail on Facility Billing in that section.
Source: wordpress.com

Video: voip billing software

Does Medicare Tricare beneficiary require authorization

Beneficiaries Using Medicare and TRICARE Beneficiaries using Medicare as their primary payer are not required to obtain referrals or prior authorization from TriWest for inpatient or outpatient behavioral health care services. These beneficiaries should follow Medicare rules for services requiring authorization. They may self-refer to any network or non-network provider who accepts Medicare. When behavioral health care benefits are exhausted under Medicare, TRICARE becomes the primary payer, and prior authorization from TriWest is then required. For more information, contact the Medicare Plan Administrator at 1-800-633-4227. Nonavailability Statements A nonavailability statement (NAS) is required for all nonemergency behavioral health care admissions. A NAS is a certification from an MTF stating it cannot provide a specific required service at a particular time to a non-enrolled beneficiary (i.e., a non-TRICARE Prime beneficiary). Providers should advise TRICARE beneficiaries to check with the Beneficiary Counseling and Assistance Coordinator (BCAC) at the local MTF to find out if a NAS is required before obtaining nonemergency behavioral health care inpatient services. A NAS does not take the place of an authorization for those services requiring prior authorization
Source: whatismedicalinsurancebilling.org

Blue Anthem Cross Medicare Plans: Anthem Shield Advantage, Medicare Part D & Supplemetal BCBS Plans

www.preferredpaincenter.com Those who need pain management help in Surprise and Sun City Arizona area are in luck. Arizona Pain Specialists has Award Winning, Board Certified pain management doctors and chiropractors at severao Valley wide locations, including Glendale which serves the whole northwest valley. The practice accepts most major medical including BCBS, Medicare, Humana, United, Banner, Aetna, Cigna, AZ Foundation, and AHCCCS. Services include pain management (medication and interventional), medication management, chiropractic, spinal decompression therapy, and acupuncture. Ask about the stem cell injection clinical trial for low back pain! Call (602) 507-6550 for scheduling. Source: multiplesclerosisdigest.com
Source: medicaresupplementalco.com

Report highlights physicians’ reluctance to use automated evaluation and management services

Approximately 90 percent of participants polled indicated they used a medical informatics system to bill Medicare for treatment administered to patients. However, none of them said they used the automated billing features of their EHR, with almost all respondents preferring to enter billing codes manually. Of those who did not perform EM billing themselves, 12 percent had other personnel enter the codes on their behalf.
Source: uic.edu

Medical Biller and Collector Job in Miami 33178, Florida US

Other responsibilities will include: Adhering to controls for contract submission, processing and record retention Filing and maintaining current knowledge of Medicare and Medicaid regulations This position is also responsible for promoting a recovery-oriented environment that reflects the needs of the individuals served, the staff providing services and the mission of the organization.
Source: goodjobsinphiladelphia.com

Kentuckymedicare.us Estimated Value N/A

Domain Name: KENTUCKYMEDICARE.US Domain ID: D30394508-US Sponsoring Registrar: ENOM, INC. Registrar URL (registration services): whois.enom.com Domain Status: clientTransferProhibited Registrant ID: FS1289-BR Registrant Name: Fisher Smith Registrant Organization: Iconserve, Inc. Registrant Address1: P.O. Box 381021 Registrant City: Birmingham Registrant State/Province: AL Registrant Postal Code: 35238-1021 Registrant Country: United States Registrant Country Code: US Registrant Phone Number: +1.2058378787 Registrant Facsimile Number: +1.2058378787 Registrant Email: fcsmith@iconserve.com Registrant Application Purpose: P1 Registrant Nexus Category: C11 Administrative Contact ID: FS1289-BR Administrative Contact Name: Fisher Smith Administrative Contact Organization: Iconserve, Inc. Administrative Contact Address1: P.O. Box 381021 Administrative Contact City: Birmingham Administrative Contact State/Province: AL Administrative Contact Postal Code: 35238-1021 Administrative Contact Country: United States Administrative Contact Country Code: US Administrative Contact Phone Number: +1.2058378787 Administrative Contact Facsimile Number: +1.2058378787 Administrative Contact Email: fcsmith@iconserve.com Administrative Application Purpose: P1 Administrative Nexus Category: C11 Billing Contact ID: FS1289-BR Billing Contact Name: Fisher Smith Billing Contact Organization: Iconserve, Inc. Billing Contact Address1: P.O. Box 381021 Billing Contact City: Birmingham Billing Contact State/Province: AL Billing Contact Postal Code: 35238-1021 Billing Contact Country: United States Billing Contact Country Code: US Billing Contact Phone Number: +1.2058378787 Billing Contact Facsimile Number: +1.2058378787 Billing Contact Email: fcsmith@iconserve.com Billing Application Purpose: P1 Billing Nexus Category: C11 Technical Contact ID: FS1289-BR Technical Contact Name: Fisher Smith Technical Contact Organization: Iconserve, Inc. Technical Contact Address1: P.O. Box 381021 Technical Contact City: Birmingham Technical Contact State/Province: AL Technical Contact Postal Code: 35238-1021 Technical Contact Country: United States Technical Contact Country Code: US Technical Contact Phone Number: +1.2058378787 Technical Contact Facsimile Number: +1.2058378787 Technical Contact Email: fcsmith@iconserve.com Technical Application Purpose: P1 Technical Nexus Category: C11 Name Server: NS1.MEDICAREINFORMATIONSOURCE.COM Name Server: NS2.MEDICAREINFORMATIONSOURCE.COM Created by Registrar: ENOM, INC. Last Updated by Registrar: ENOM, INC. Domain Registration Date: Fri Oct 15 21:29:05 GMT 2010 Domain Expiration Date: Sun Oct 14 23:59:59 GMT 2012 Domain Last Updated Date: Sun Nov 06 23:43:28 GMT 2011 >>>> Whois database was last updated on: Fri Feb 24 05:02:01 GMT 2012
Source: widestat.com

Medicare Billing Software

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Source: fluxfeatures.com

States Seek Medicare Data to Keep Fraudulent Providers Out of Medicaid

Glenn Prager used to be a Medicare fraud fighter for the federal government. Early this year he switched to Medicaid, taking a job as Arizona’s inspector general. His primary task is to keep crooked health-care providers out of the state’s $9 billion Medicaid system. If they slip in under the wire, he says, the goal is to catch them before any claims are paid. But six months into his new role, Prager is frustrated that he can’t get his hands on the Medicare data he used when he was a federal investigator. “The basic problem,” he says, “is a lack of coordination and communication between the two programs. There’s no other way to explain it.” Prager is not alone in his complaints. The National Association of Medicaid Directors released a report last month calling on the federal government to share Medicare data and improve collaboration with states in their mutual battle to reduce Medicaid fraud and abuse. Congress and the federal Government Accountability Office are also pushing the U.S. Department of Health and Human Services to provide better support for state fraud-busting efforts. The federal government says it has ambitious projects under way to make Medicare data more useful to states, and to help states share information about their respective Medicaid programs.  The problem, federal officials say, is that Medicare, which provides health coverage for seniors, is organized very differently from Medicaid. And each state organizes its Medicaid program in a different way, making data matches difficult. The scale of the programs is also daunting. Medicaid covers 60 million low-income people and costs more than $400 billion a year. Already growing faster than any other item on states’ budgets, it is slated to expand by 16 million more people if the Affordable Care Act is upheld. Medicare covers 48 million people and costs more than $470 billion. While only a small number of the health-care providers who participate in either program break the rules for financial gain, the result of the fraud that does take place is a substantial drain on the money available to provide legitimate health-care services.  A majority of providers serve both Medicaid and Medicare, and the dishonest ones often steal from both programs at the same time. The federal government alone lost $22 billion to what it calls “improper payments” in the Medicaid program last year. Although no uniform method of calculating state losses exists, a similar amount was likely lost by states since they pay for about half of the program. Medicare lost $43 billion, according to federal data.
Source: govtech.com

The Official Medicare Set Aside Blog And Information Resource: Physician Accountability in Medicare Billing

Physicians have been the subject of many of my recent rants because so many of the problems that we encounter with MSP issues can be attributed directly to them. We can’t control their excessive treatment plans or lazy billing practices, but neither can we convince CMS that these problems exist. In conditional payment recoveries, it is impossible to get CMS to adjust its recovery to account for commingled billing. Physician billing offices will frequently reuse forms pre-filled with patient information, including all diagnosis codes ever treated by that physician whether during that visit or not. From their perspective, it doesn’t matter because they do not get paid by the treatment, but by the time spent. Unfortunately for those on the other end of that transaction, it makes a huge difference and the private sector has been absorbing those payments for the benefit of Medicare for many years. The other issue is indifference in who gets billed. Patients don’t understand that it makes a difference who gets billed and physicians doesn’t care who pays so long as someone pays. Many of what are deemed conditional payments are not conditional at all – they were made by mistake due to lack of notice of secondary payer issues. But the one thing that all of these scenarios have in common is that the problems all originate in the physician’s billing office. Well, perhaps no more…
Source: medicaresetasideblog.com