Study identifies flaws in Medicare prescription drug program

Posted by:  :  Category: Medicare

meds: it's obscene by fallsroadMillions of Medicare recipients have been forcibly reassigned to different prescription drug plans because Part D reimbursements to insurance companies covering low-income patients are lower than the actual costs incurred,according to a study from the Mongan Institute for Health Policy at MGH. Mass General News Releases
Source: knowledgeofmedicine.com

Video: Medicare Part D – the Prescription Drug Plan – is Working for Seniors

Medicare Drug Program Called a Success

Medicare Part D has succeeded.  It’s achieved what program creators intended.  Total spending on the program from 2006 to 2011 was a remarkable 68 percent of what was expected.  The combination of lower costs and a wide range of coverage options has won Part D a consistently high ranking on enrollee satisfaction.  Part D stands out as a successful government program.  
Source: hlc.org

I don’t understand. Why don’t Republicans like ObamaCare?

Meanwhile, 17% of Americans are uninsured. Those folks will continue to get sick, and continue to get at least a modicum of care. Much of that care will be very expensive, reactive, urgent, dramatic, and avoidable had those uninsured patients been able to obtain preventive and maintenance care. Someone still pays for this care. But the subsidies are hidden in the costs the remaining 83% pay through premiums and taxes. The current approach to financing care for the 17% is not transparent, and there is no competitive market place. But ObamaCare, which is as transparent and competitive as the drug plan, and which seems at its core to be a very “Republican” approach, has one irreparable flaw in the eyes of its opponents: it was enacted by Democrats.
Source: gormanhealthgroup.com

Medicare Drug Discounts At Risk If Court Strikes Health Law

Voluntary drug coverage was added to Medicare in 2006, but consumers and advocates have been eager to get rid of the coverage gap. Insurance coverage stops when the beneficiary and the insurer together have spent $2,930 for prescription drugs, excluding monthly premiums. Under the health law, beneficiaries then get a 50 percent discount on brand-name drugs and 14 percent on generics drugs. When the beneficiary alone has spent a total of $4,700, coverage restarts. At that point, the beneficiary picks up 5 percent of the costs.
Source: kaiserhealthnews.org

How the health care law will affect you

An HR executive for a association that employs 250 people: You’re perplexing to decide either a association should “pay” or “play” — that is, continue to provide a word we offer now (play) or compensate a chastisement of adult to $2,000 per worker, incompatible a initial 30 workers (the compensate option). It costs your company about $5,500 per worker to protection workers and their families. You can dump advantages and offer employees an inducement — say, an annual payment of $1,000 — to acquire their possess word on a state exchange. Or we can continue to offer advantages as we have for years. The “pay” choice appears to be a lot cheaper. The “play” choice appears to be improved for employees. You note how many employers, including yours, were charity word before they were ever compulsory to do so. You have a preference to make.
Source: 30secpay.com

Kevin Ferris: Replace Obamacare with what?

One, “move American health care away from open-ended government subsidies and tax breaks, and toward a defined-contribution system.” Health coverage would come from competing insurance plans, and government would make a fixed contribution toward each person’s insurance purchase – tax credits for most taxpayers, and more generous subsidies for those on Medicaid and Medicare. Pick a plan more expensive than the contribution, and you make up the difference. A cheaper one allows you to keep the savings. Under this plan, the health-care tax break goes to individuals, not employers.
Source: heraldonline.com

Save Money on Medicare Drug Costs and Medical Care

Extra Help may pay your monthly drug plan premium, annual deductible, and some or all of your copayments for prescription drugs. The Medicare Savings Programs pay some or all of the Medicare Part A and B premiums, deductibles and coinsurances.
Source: theseniorvoice.com

Congress Should Not Infect Medicare Drug Plan With Price Controls

The VANF does not involve VA officials and pharmaceutical executives cutting deals around a conference table. This is a federal price-control program. The VA buys drugs from pharmaceutical companies at a minimum 24 percent discount below the Average Manufacturer’s Price, or the “best price” offered to private-sector purchasers, whichever is lower. Not surprisingly, paying drug suppliers nearly one-quarter below wholesale (or less) generates myriad economic distortions for which patients pay the price.
Source: humanevents.com

Prescription Drug Programs for Medicare Members

Be aware of the fact that Medicare member can get access to prescription drug coverage through Medicare Part D. It is through this plan that most seniors get their prescription drugs. Medicare members can also get medication coverage from an employer or union. What this means for members is that they can get help to pay for their Part D plan and their medication when applying for aid from the Extra Help program. Therefore anyone who gets Medicare benefits because they have become 65 or are disabled can enroll in a Medicare prescription drug program which is also called Medicare Part D. What this involves is a 7 month enrollment period, which begins 3 month before you become eligible for Medicare and ends 3 month after the month in which you became eligible. Private insurance companies sell Medicare drug programs and for each state there are a certain amount of plans to choose from.
Source: medicationcard.net

Medicare Drug Help Connecticut « Insurance News from Crowe & Associates

To qualify for ALMB an individual must make less than $2,308.88 a month.  This amount is raised for a couple to $3,127.28 a month.  There is no asset limit for this level of drug help in Connecticut.   For a list of the different RX programs and the income level for each Medicare Savings Program Income Levels
Source: croweandassociates.com

Broadway Carl: Mitt Admits Mandate a Good Thing

Posted by:  :  Category: Medicare

Traditional Medicare will now cover what Part C did, something that should have happened when it was first implemented. In any event, Obamacare does not cut Medicare benefits, but you won’t hear that from the opposition. They’ll just tell you that ACA cuts Medicare by $500 billion as a scare tactic, and not that it saves the government $500 billion in Medicare costs. And these finger pointers are the same people who want Medicare dead in the first place – or have seniors left to their own devices by putting a voucher program in place that wouldn’t cover their insurance costs. Also, Mitt, you didn’t cut Medicare because you CAN’T cut Medicare. It’s one of those “intrusive federal government programs” you were yapping about when you were going on with the 10th Amendment drivel. But go ahead and ask your state’s and the country’s seniors how they like that intrusion of their lives. And finally there’s this price control nonsense. I don’t understand exactly what he was talking about because it was probably some talking point he spouted out, but my only guess it the ACA’s provision that health insurance companies use at least 80% of your premiums on health care costs instead of overhead, advertising and profits. $1.1 billion in insurance rebates are headed our way because of Obamacare. I’ll take it.
Source: broadwaycarl.com

Video: Herrest Harrison – 2010 Peoples Health Champion

Medicare Advantage Enrollment: Special Circumstances

When you switch to Medicaid or have Medicaid it may be necessary to contact your Medicare Advantage Plan provider. Some changes will be necessary in order for your plan to function in conjunction with a Medicaid plan. When you live in the Medicare definition of an institution you may want to notify your provider of the need to make changes. Don’t get too down about the word, Medicare defines an institution to include a skilled nursing facility or something similar.
Source: medicare-medicaid.com

Giving you the Advantage in understand Medicare Insurance

MSA Plans Not as popular as other Advantage Plans, MSA Plans have two parts; a high deductible and a bank account. Medicare gives the plan a sum of money and a portion is deposited into the bank account. Because the sum is usually less than your deductible, you will have out-of-pocket costs until you reach your deductible. Money spent for covered services counts toward your deductible and once the deductible is met, the plan pays for your covered services for that year. Unused funds in your bank account roll over to the following year. MSA Plans do not include drug coverage and a stand alone plan will need to be purchased. You do not need a referral and can choose your own providers.
Source: netarticleshack.com

InsureBlog: Medicare Equal Access Options Act

That is much more stringent than any private disability plan. In addition to the above, you must have been totally and permanently disabled for 5 consecutive months before you can even apply for Medicare benefits. Evem if you qualify for SSDI, you have to wait 29 months (5 month elimination + 24 months of SSDI eligibility) before you can qualify for Medicare. There are exceptions, such as those with ESRD or ALS. People (including children) who have not accumulated enough work credits do not qualify for SSDI which will also disqualify them from Medicare benefits. So what does Sen. Kerry want to do to make Medicare more accessible and affordable? Nothing actually. His proposal outlined here is to change the law with regard to access to Medicare supplement plans and Medicare Advantage plans. Kerry-Heinz believes those who live long enough to qualify for SSDI are discriminated against by Medicare supplement carriers because of their health status. If Kerry-Heinz get’s his way those on SSDI and Medicare will see the following changes.
Source: blogspot.com

MedPAC Reviews Blending Medicare and Medicaid 

In its June 2012 Report to the Congress, the Medicare Payment Advisory Commission (MedPAC) included an examination of current options and activity with respect to programs that integrate – or have the potential to integrate – Medicare and Medicaid services and financing for those individuals with coverage from both programs, often referred to as dual eligibles.[1]  While the term "integration" does not have a single meaning in health policy discussions, in this context it generally refers to efforts to bring both Medicare and Medicaid dollars and Medicare and Medicaid services into a single system of care, so that the individuals using the services do not have to pay attention to whether they are from Medicare or Medicaid.  It is believed that "integrating" the programs can both improve the quality of health care services people receive and lower the cost of providing that care.
Source: medicareadvocacy.org

It All Depends on What the Definition of ‘Government

One common refrain of opponents of reform is that it represents a government takeover of health care. But reformers made the key decision at the start of this process to eschew a government-driven redesign of our health care system in favor of building on the private insurance system that works for most Americans. The primary role of the government in this reform is as a financier of the tax credits that individuals will use to purchase health insurance from private companies through state-organized exchanges.
Source: aei-ideas.org

Medicare Advantage Insurance

By definition Medicare Advantage provides all of your Part A and Part B coverage. A Medicare supplement on the other hand, fills in the gaps of original Medicare and generally pays the hospital deductible and the 20% of Part B charges that would be your responsibility.
Source: affordablemedicareplan.com

Baby Boomer Retirement: Important Medicare Tips for Boomers

Posted by:  :  Category: Medicare

Stella Johnson On The Impact Of Health Insurance Reform by Leader Nancy Pelosi1.  Enroll in Medicare as soon as possible.  You can contact your local Social Security office for an appointment, and sign up while you are there.  You may especially want to handle your application this way if you are also applying for your Social Security benefits at the same time.  However, another choice is to apply for your Medicare benefits online in about 10 minutes by using the government website at www.socialsecurity.gov/medicareonly.  You can complete the application once you are 64 years and 8 months old.  You do NOT want to wait until after your 65th birthday. 2.  If you are still working when you turn 65, and you are covered by a medical insurance plan through your employer, you still need to file for Medicare Parts A and B, even if you will not be using those benefits for a few years.  Again, you need to do this before your 65th birthday, so you can save money on premiums when you do begin to rely on Medicare. 3.  Medicare is divided into four parts:  Original Parts A and B, which help cover hospital and doctor bills; Part C, which is an extra Medicare Advantage program you purchase to cover some of the expenses not covered by A and B; and Part D, which is drug coverage.  When you choose a Medicare Advantage plan, or Part C, most of the plans also include Parts A, B and D so that everything is together in one convenient plan. 4.  There are many different Medicare Advantage plans, and most of them will offer informational meetings in your community.  However, one of my friends simply called her current doctors and asked them which Advantage programs they liked the best.  She found there was one particular plan that kept being mentioned, so that is the Advantage program she chose.  You should also know that there are different prices and benefits available for the various plans, too, so shop around. 5.  If you believe that you cannot afford your Medicare premiums, ask for help from your local Social Security office.  Low income retirees can qualify for help. You are reading from the blog http://baby-boomer-retirement.blogspot.com/ Photo courtesy of http://www.morguefile.com/
Source: blogspot.com

Video: SHIIP Medicare Premiums.flv

~~”Writersbloggingblock”~~: Baby Boomer Retirement: Important Medicare Tips for Boomers

Baby Boomer Retirement: Important Medicare Tips for Boomers: Baby Boomers are turning age 65 at the rate of 10,000 a day.  When they do, they become eligible for Medicare.  It is extremely important that Baby Boomers know when they should apply for Medicare, how to choose the best Medicare Advantage program for them, and how to get financial assistance, if they need it.  Don’t wait until after you have turned 65, or the delay could cause you to spend extra for your Medicare premiums for the rest of your life!  Read more at:  Baby Boomer Retirement: Important Medicare Tips for Boomers.
Source: blogspot.com

Mutual of Omaha Medigap Rate Increases

2)  In June of this year, “modernized” Medicare Supplement plans began. With changes required for new “modernized ” plans,  each Medicare Supplement company was starting over with a “new book of business” as of June 1.  This meant that premiums for plans starting in June 2010 could be lower because they had no claims history.  But the older plans – sold before June 2010 – now have no new, younger, healthier members paying premiums.  Plans with older, sicker  people will likely have higher expenses and lower profits, requiring higher premiums next year.
Source: georgia-medicareplans.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 Advantage Enrollment Goes Up As Premium Costs Decline

The Hill: Report: Enrollment Up, Premiums Down For Medicare Advantage The 2010 healthcare law contained cuts to Medicare Advantage that were strongly opposed by Republicans and insurance companies. The program offers care to seniors through private insurers that contract with the Medicare agency. … The program now covers more than 13 million beneficiaries, or 27 percent of the Medicare population, the report stated. … The law’s cuts to the program are expected to save $136 billion over 10 years (Viebeck, 6/12).
Source: kaiserhealthnews.org

Social Security goes up, but so do Medicare premiums

To P. D’Antonio, NOT EVERY PENSION PLAN IS THE SAME. MINE WAS FREE WITH THE AIRLINE THROUGH THE UNION. I also suffer with many Esophagus problems and I truly believe all the chemicals I worked with and ulcer in Esophagus from stress from the “Good Old Boys in the Union”. My husband gets a great PENSION as he made very little which co-incided with the city plan as all figured out to a tee as he paid in big monies for his Pension pretty much $200.00 to $400.00 in later years as made more but when he worked overtime and slept all wknd there and removed snow they took $600.00 of his overtime including the reg. month payments for his Pension. You young people know nothing or some older. Every pension plan is different!!! My friend hates it too but her company gives BONUS checks each year which she got a lump sum of $15,000 and others at that same company up to $34,000 per year. I worked for not much for 46 yrs. my hubby got NO Bonuses for Viet Nam. He will not get any Social Security for 30 yrs with City as part of the Pension Plan as he did not pay in unless worked other jobs. He has worked other jobs now for 16 yrs plus his 30 for city. Plus his 4 yrs Marine service plus 6 yrs reserves. He is 65 and still working for Health Ins. Him and I never saw Bonuses!!!!! I don’t get low free flying as quit early because of ulcer and many other throat problems working with so very many chemicals. Get your facts straight about Pensions!!!! I never heard of a 401K plan til 1991 in my whole life and neither did my husband. If they were around earlier must have been for the rich or high up people at jobs! Republicans wanted all the Soc. Sec. to INVEST, remember then we had the stockmarket fall with the Godlman Sacs and Wallstreet. My husband’s Pension almost went broke and had to be transferred to another pension which were still not sure of! If Republicans would of had their way all the Social Security would have been gone then. LOL Stockbroker’s would have taken a big share of soc. sec. How soon we forget Republicans went on and on about people invest their own and let stock people take over Soc. Sec. to invest and they would have lost all of it a long time ago!!! Every company has their perks and some are more generous than others!!!!! LOL
Source: msn.com

2012 Medicare Premiums, Deductibles and Co

Enrollees in Medicare Part D prescription drug plans pay premiums that vary from plan to plan.  Beginning in 2011, Part D enrollees whose incomes exceed the same thresholds that apply to higher income Part B enrollees must also pay a monthly adjustment amount. The regular plan premium will be paid to their Part D plan, and the income-related adjustment will be paid to Medicare.  The amounts by income level are below.
Source: medicareadvocacy.org

The truth about the $247 Medicare Part B Premium

50% discount on name brand drugs 2011 Medicare Part D Plans 2011 medicare premium aca change medicare coverage closing the donut hole Copayment Cosinurace currently working disenroll Doctor Office Visit donut hole drug plan Emergency Room Visit find medicare part d health care reform help with medicare HIV testing how to use medicare plan finder Medicaid Medicare medicare advantage plans medicare classes medicare fraud medicare part b medicare part c Medicare Part D Medicare Part D Rebate checks medicare plan finder medigap Plan N medigap policies new to medicare no copay preventitive services non renewal obamacare paper checks Part A Part B premium for medicare preventitive services retired Social Security voulunteering in Sedgwick County Kansas what happens when plan goes away wichita kansas
Source: wordpress.com

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

Medicare Premiums, Deductibles & Coinsurance: Rates for 2011

Because of the zero COLA increase in 2011, some Medicare beneficiaries will not pay more for coverage. If your premium is deducted from your Social Security check and your income is $85,000 or less ($170,000 if you file a joint tax return), then you won’t have to pay more. Your monthly premium will stay at either $96.40 or $110.50.
Source: suite101.com

IPRO Honors Healthcare Providers and Professionals Awards Presented at 2012 Annual Meeting

Posted by:  :  Category: Medicare

The awards were presented during IPRO’s 28th Annual Meeting, June 5th at the New York LaGuardia Airport Marriott Hotel. “These awardees represent leaders of New York State’s healthcare community,” says Clare B. Bradley MD, MPH, Senior Vice President and Chief Medical Officer at IPRO. “What unites them is their commitment to quality. We applaud them for their achievements.” Awards were given for accomplishments on a range of quality-related topics: Organization/Individual Location Reason for Award Elizabeth Eagleson, MD Penn Yan, NY In recognition of Dr. Eagleson’s commitment to improving access, care coordination, patient communications, and to providing the highest quality of care to patients, as demonstrated by her leadership in the achievement of NCQA Level 3 Patient-Centered Medical Home Recognition for two Finger Lakes Community health centers. Ellis Medicine Schenectady, NY In recognition of Ellis Medicine’s system-wide commitment to improving transitions of care for patients and their caregivers Institute for the Puerto Rican/ Hispanic Elderly New York, NY In recognition of the Institute’s longstanding commitment to empowering Medicare beneficiaries to take an active role in managing their own health. Settlement Health and Medical Services New York, NY In recognition of Settlement Health’s system-wide commitment to quality improvement and sharing of best practices; the valuable insights provided to the New York State healthcare community regarding the challenges in caring for a medically indigent population; and for achievement of NCQA Level 3 Patient-Centered Medical Home Recognition. Emmanuel St. Louis, MD, PC Uniondale, NY In recognition of Dr. St. Louis’s commitment to providing high quality care to his patients, as demonstrated by achievement of NCQA Level 3 Patient-Centered Medical Home Recognition and successful attestation for meaningful use. As the federally designated QIO for New York State, IPRO’s activities target the quality of healthcare provided to more than three million Medicare beneficiaries across the state. IPRO supports providers with evidence-based clinical interventions and technical assistance to improve healthcare processes and patient care across the continuum of care. Quality Award recipients demonstrate extraordinary commitment to implementing best practices. In addition to the awards ceremony, New York State’s Commissioner of Health, Nirav R. Shah, MD, MPH who delivered the keynote address, spoke about a series of leading-edge initiatives aimed at improving the delivery of healthcare across the state of New York. Janet Wright, MD, FACC, Executive Director of the Million Hearts initiative, presented information on this important national program launched by the U.S. Department of Health and Human Services with the explicit goal of preventing a million heart attacks and strokes by 2017. About IPRO IPRO is a national organization providing a full spectrum of healthcare assessment and improvement services that foster more efficient use of resources and enhance healthcare quality to achieve better patient outcomes. For more than 25 years, IPRO has been highly regarded for the independence of its approach, the depth of its knowledge and experience, and the integrity of its programs. IPRO holds contracts with federal, state and local government agencies and corporate clients, in more than 33 states and the District of Columbia. A not-for-profit organization, IPRO is headquartered in Lake Success, NY. For more information about IPRO, please visit www.ipro.org.
Source: paramuspost.com

Video: Medicare Spending Per Beneficiary Measure National Provider Call – February 9, 2012

Medicare eRX Incentives: ODs Net $2 Million

As EHR are becoming mandatory not only to receive bonuses but eventually avoid penalties, it is becoming apparent that all optometric practices should be e-prescribing and pursuing these bonuses, and making sure optometry continues to play an integral role in the overall health care system and deliver quality care.
Source: optometrystudents.com

New York State Medicaid Included In The PERM Project — Law Office of Deniza Gertsberg

The Centers for Medicare & Medicaid Services (CMS) developed the PERM project to comply with the Improper Payment Information Act (Act). In general, the Act requires that heads of Federal agencies annually review programs that are susceptible to significant erroneous payments, estimate the amount of improper payments, report those estimates to Congress, and submit a report on actions the agency is taking to reduce erroneous expenditures.
Source: gertsberg.com

2011 Medicare Supplement Coverage: Medigap Plan Numbers A

Posted by:  :  Category: Medicare

Bubbles? Take something like 'Not I! .....item 1..Wakulla Republicans Protest Against Taxes in the County (September 06, 2011) ... by marsmet552In 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

Video: Learn about the 2011 Medicare Open Enrollment Period: Get a Plan that Meets Your Needs

Baby Boomer Retirement: Important Medicare Tips for Boomers

1.  Enroll in Medicare as soon as possible.  You can contact your local Social Security office for an appointment, and sign up while you are there.  You may especially want to handle your application this way if you are also applying for your Social Security benefits at the same time.  However, another choice is to apply for your Medicare benefits online in about 10 minutes by using the government website at www.socialsecurity.gov/medicareonly.  You can complete the application once you are 64 years and 8 months old.  You do NOT want to wait until after your 65th birthday. 2.  If you are still working when you turn 65, and you are covered by a medical insurance plan through your employer, you still need to file for Medicare Parts A and B, even if you will not be using those benefits for a few years.  Again, you need to do this before your 65th birthday, so you can save money on premiums when you do begin to rely on Medicare. 3.  Medicare is divided into four parts:  Original Parts A and B, which help cover hospital and doctor bills; Part C, which is an extra Medicare Advantage program you purchase to cover some of the expenses not covered by A and B; and Part D, which is drug coverage.  When you choose a Medicare Advantage plan, or Part C, most of the plans also include Parts A, B and D so that everything is together in one convenient plan. 4.  There are many different Medicare Advantage plans, and most of them will offer informational meetings in your community.  However, one of my friends simply called her current doctors and asked them which Advantage programs they liked the best.  She found there was one particular plan that kept being mentioned, so that is the Advantage program she chose.  You should also know that there are different prices and benefits available for the various plans, too, so shop around. 5.  If you believe that you cannot afford your Medicare premiums, ask for help from your local Social Security office.  Low income retirees can qualify for help. You are reading from the blog http://baby-boomer-retirement.blogspot.com/ Photo courtesy of http://www.morguefile.com/
Source: blogspot.com

More than 30 million with Medicare used free preventive services in 2011

The report discussing Medicare preventive services found that more than 25.7 million Americans in traditional Medicare received free preventive services in 2011. The report also looked at Medicare Advantage plans and found that 9.3 million Americans – 97 percent of those in individual Medicare Advantage plans – were enrolled in a plan that offered free preventive services.  Assuming that people in Medicare Advantage plans utilized preventive services at the same rate as those with traditional Medicare, an estimated 32.5 million people benefited from Medicare’s coverage of prevention with no cost sharing.
Source: medicare.gov

Gordon Marketing Awarded Number One Anthem Medicare National FMO 2011

Gordon Marketing has become a leader in the Medicare Supplement Insurance industry as well as Medicare Advantage plans and in Medicare Part D. This is part of Gordon’s commitment to seniors and in support of all of their agents that market these products. Continuing education seminars and telephone training classes is a hallmark of their company. Train, train, train is what Gordon Marketing does best. They don’t just ask for more business, they show HOW to make more business! Gordon Marketing was founded in 1980 by Dick and Margaret Gordon and has made a national name from humble beginnings. Gordon Marketing is an independent, family-owned and operated brokerage company located in the heart of Indiana. Gordon Marketing specializes in Senior, Health, Life & Annuity products for independent agents across the nation. President, Sylvia Gordon and Vice President, Rebecca Gordon work together with their brother Frank, sister Theresa and a wonderful staff of 45 to service agents in 49 states. Gordon Marketing has grown over 127% in the last 3 years in the areas of senior, life, health and annuity insurance products. Gordon Marketing will be moving into their new Corporate Office at 20236 Hague Road in Noblesville, IN on June 1st 2012. This facility incorporates a state of the art training center, and will serve to take the company to a much higher level of service to their clients and agents. In 2009 and 2010 Gordon Marketing was named the Small Business of the Year. In 2011 Gordon Marketing also received the Small Business of The Year Award by the City of Noblesville Mayor Distlear. Dick Gordon, founder of Gordon Marketing is also the founder of the Riverview Hospital Gordon “Brick Layer” Club. Gordon Marketing also supports various charities throughout the year in giving back to the local community. Gordon Marketing now has 75 full-time employees and is projected to build another Corporate Building within the next 5 years to house an additional 30 employees. Gordon Marketing not only markets to agents, but is using their current facilities to operate their retail and consumer based program. These agents sell life, annuities, senior and health insurance products. For more information about Gordon Marketing, their services and products, please visit http://www.gordonmarketing.com.
Source: sbwire.com

Daily Kos: Orszag: Republican Medicare plan ‘raises costs on the backs of seniors’

1. Who left “public service” in the open, transparent and accountable Obama administration for a huge salary, perks and power on Wall Street? 2. Who bemoaned in transition between the White House and Wall Street that there was a plethora of parasites sapping Social Security Disability? 3. Who, along with Wall Street’s minions, Geithner and Summers, directed the Obama administration’s efforts to ensure Wall Street’s better-than-ever profits, power and perquisites, while guaranteeing the suffering of millions and millions of the unwashed out in the hinterlands of our ever-more-recognizable Third World America? 4. Who, along with other Truly Serious Types, will continue to be trotted out for the benefit of the Pete Petersons, the Wall Street and Media Elite, and their lackeys in the leadership of the Democrat Party? Give me and the other 300 million folks who don’t count sharing in the American Dream (unless we are asleep) a break. Quote someone who really gives a damn about seniors.
Source: dailykos.com

DRINKING OF ELDER MEN: Collected Essays 2009 to the Present: HMO

There is an old saying, “You get what you pay for.”  This is said when someone complains about something they paid little or nothing for; something bought on the cheap, a bargain, a perceived good deal. “I bought this two dollar watch off a guy in the street and it stopped keeping time two days later.” “Well, you get what you pay for,” is what the fool is told. Quite often this saying is true.  Not in the case of the Medicare Advantage Plans, at least not the one offered by the A-As-In-Hole Insurance Company. “One of the wonderful things about reaching age 65,” a TV ad tells us, “is Medicare.” (Not an A-As-In-Hole ad in case you are guessing.) Medicare may or may not be wonderful, but most certainly the Advantage plans aren’t. But who knew? Most people I have spoken with about what happened to my mother are amazed when the medicare Advantage is explained to them. I have to admit I didn’t know what they were. I thought they were Medicare Supplement Insurance, you know, policies that cover what Medicare doesn’t, like co-pays and deductibles. By the way, this is another thing where “you get what you pay for” doesn’t apply, Medicare Supplement Plans (known as Medigap). You’ll see ads from Company Y pushing their supplement plan as being better than Company X, and you are only paying a little more a month. Well, then pick Company X because these supplemental plans are standardized by the government. There is a menu of 10 choices. Each choice offers some additional services, for example Choice C offer Skilled Nursing Co-Pay Coverage, while Choice B doesn’t and Choice K only offers 50%; however, Choices B and K don’t cover the Part B Annual Deductible while Choice C does. You need to select the Medigap coverage you think you’ll need. Perhaps you never leave the country, so you don’t need Choice C because it covers out-of-country emergency care. But whatever Choice you make remember it is exactly the same coverage you will get through Insurance Company X as Company Y, so don’t take the one charging a higher premium. I noticed when we visited one nursing home and I told the Admissions Director my mom had a Medicare Supplement plan called A-As-In-Hole Medicare Super-Duper that she wrinkled her nose. “That’s not a supplement plan,” was all she said. Now remember there were all those crossed off nursing homes that wouldn’t accept my mother’s insurance. It did seem funny that something from one of the best known insurance companies in the country called Super-Duper Plan would not be universally accepted. When my mother’s coverage was dropped after 43 days instead of the 100 days Medicare normally covers for such therapy I found out why these places wanted nothing to do with it. I was put in contact with an insurance specialist both by a nursing home and a friend. He explained the different animals. He said my mom would have been fine if she had traditional Medicare, in other words Plan A and B, even without supplemental. What she has is definitely not supplemental. I had a friend ask me if my mother had the Medicare Plan B premium deducted on her Social Security. Indeed, she did. He said she had Plan B coverage then. Not exactly, what she has is a Medicare Advantage Plan that gives the same coverage as Plan B and she gets the privilege of paying the Plan B premium to the government as well as an additional $145 a month to A-As-In-Hole Insurance Company for it. So just what is this animal? It is really Super-Duper? Not so much. The A-As-In-Hole Medicare Super-Duper Plan gives you, by law, everything Plan A and B of Medicare does. It still has all the deductibles and Co-Pays, may even have a few additional ones. It doesn’t supplement anything. It does include Part D, the prescription drug portion. But you can get Plan D coverage for under $40 a month, so what is the other $105 a month she is paying get her? Remember, she is also paying Medicare her $96.50 a month, but Medicare itself is not providing any of her coverage. No-no-no, A-As-In-Hole is doing it all. No claims ever go to Medicare at all. It works this way. Medicare collects the regular premium from Mom’s Social Security every month. Medicare then pays A-As-In-Hole a portion of that amount. Thus the government makes a little money on the deal. A-As-In-Hole takes that fee and adds their own premium, the $145 a month and agrees to cover what Parts A & B do. So why would anyone go for this, you ask? Because when you are our age and you see the ad telling you how great the Super-Duper Plan is because it not only covers your Medicare care, but your drug prescriptions and your eye exams and glasses and your hearing aids and hearing exams and for an additional $10 a month your dental, it sounds like a good deal to a lot of us Seasoned Citizens. But since you can get a separate policy for Plan D at less than $40, that $105 additional a month should easily cover those other costs for most of us with money left over in our bank accounts. And The A-As-In-Hole Insurance company and its cohorts who offer these Medicare Advantage Plans are allowed to make their own rules in some areas. Thus instead of the 100 days of rehabilitation my mom would have received under traditional Medicare, she was cut off at 43 days by her supposedly Super-Duper Insurance Coverage. Now a further note concerning my dad, who has this same type policy. It is even more odorous since he already gets his prescriptions and hearing aid needs through the VA as a combat veteran of WWII. What in the world is he getting for that $145 a month?
Source: blogspot.com

Washington submits Medicare/Medicaid integration proposal to Centers for Medicare and Medicaid Services

Posted by:  :  Category: Medicare

What's In My Bag... by Amy DiannaMedicare is a federal program designed for the elderly and people with disabilities. Medicaid serves low-income residents and is funded by the state and federal governments. In the past, there has been little coordination between the two programs in serving clients, saving money and improving care.
Source: wa.gov

Video: Preserve Social Security & Medicare – AARP WA Speaks Out

Study identifies flaws in Medicare prescription drug program

Millions of Medicare recipients have been forcibly reassigned to different prescription drug plans because Part D reimbursements to insurance companies covering low-income patients are lower than the actual costs incurred,according to a study from the Mongan Institute for Health Policy at MGH. Mass General News Releases
Source: knowledgeofmedicine.com

individual health insurance washington s

Protects Your Way of Life is a terrific online resource for people who are looking for information about the importance of having life insurance for the financial protection and fiscal security of loved ones upon the eventuality of one’s death. There are currently a lot of insurance firms who offer a number of options like MoneySupermarket life insurance which gives the insurance policy holder/owner peace of mind that his or her loved ones will not suffer financial hardship in case of the death of the owner of the policy. Read our helpful and informative articles about the value of having an insurance policy today only here at Protects Your Way of Life.
Source: protectsyourwayoflife.com

July at the Library: Sammamish Library Events

Half of Americans Will Need Long Term Care Wednesday, July 25, 7pm Presented by Maria Myers. You spend your whole adult life saving up your nest egg for retirement. But an unexpected illness, accident or the normal process of aging could wipe out that nest egg. How do you protect yourself from this financial disaster? How do you protect your family? Are your parents protected? Half of us will need long term care. Come empower yourself with knowledge and get questions answered.
Source: patch.com

Tips on finding the right Medicare coverage

Know when to enroll Most people first become eligible for Medicare when they turn 65. You can enroll any time within three months before your 65th birthday month, the month of your birthday and three months after. If you retire or your employer coverage ends after age 65, you have two months to enroll in a Medicare plan.
Source: cascadememorial.com

Washington Medicare Leads

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

Changes Ahead on ADVANCE for Physical Therapy & Rehab Medicine

It was clear that therapy programs were being created to fit the payment rather than the patient, and the 2008 PPS Rule update addressed these concerns. The 10-visit high therapy threshold was replaced by a three-tiered threshold of 6-, 14- and 20-visit levels. By creating a graded level of payment increases with three steps, CMS hoped to tailor the specificity of therapy care to more accurately address patient needs and associated payments. But new levels of concerns appeared in rapid response to the revised payment models; programs were modified to focus on the new reimbursement markers, and clinical therapy averages rose in a rapid manner, garnering attention from outside the industry.
Source: advanceweb.com

Daily Kos: Answer to anti

Alumbrados, filkertom, LouisMartin, jotter, ferg, slinkerwink, deben, greendem, Nina Katarina, Shockwave, wu ming, Pescadero Bill, Andrew C White, CleverNickName, SanJoseLady, hyperstation, Pompatus, Gustogirl, TracieLynn, annrose, nyceve, whenwego, Agathena, bluesteel, chuckvw, shanikka, chimpy, pedrito, retLT, jennifree2bme, oceanview, Eddie C, Tracker, MKS, Noodles, yet another liberal, astronautagogo, The Walrus, Diana in NoVa, zerelda, ybruti, lonespark, ScienceMom, Gowrie Gal, maybeeso in michigan, marina, ichibon, wsexson, SherwoodB, democracy inaction, irate, elkhunter, caliberal2001, dewtx, reflectionsv37, eru, Gordon20024, Tool, SBandini, Ozzie, spunhard, Lindy, Alan Arizona, splashoil, reddbierd, Reality Bites Back, martini, rcbowman, cybersaur, trentinca, Russgirl, kestrel9000, raincrow, kck, gpoutney, gooderservice, Bush Bites, real world chick, Preston S, doinaheckuvanutjob, BlueMississippi, profh, doingbusinessas, Texdude50, means are the ends, blueoregon, sea note, BeerNotWar, BentLiberal, tegrat, One Pissed Off Liberal, old wobbly, pgm 01, out of left field, Habitat Vic, Haningchadus14, Loudoun County Dem, gloriana, puakev, Mary Mike, bnasley, mbh1023, HCKAD, Aunt Martha, martyinsfo, kimtcga, jnhobbs, millwood, gchaucer2, uciguy30, mehamo, wblynch, rmonroe, fb, MKinTN, rogerdaddy, mconvente, Sixty Something, elwior, Jake Williams, Gemina13, petulans, venger, BYw, Nica24, Mike Taylor, vmdairy, statsone, legendmn, McGahee220, George Hier, ceebee7, dark daze, Zotz, geebeebee, Denise Oliver Velez, kevinpdx, Shelley99, Keith Pickering, porchdog1961, Larsstephens, Nalepoc, commonmass, estreya, Tea and Strumpets, Susan from 29, Crabby Abbey, angelajean, ATFILLINOIS, Publius2008, elengul, MsGrin, ericlewis0, Actbriniel, slice, Eric0125, no way lack of brain, Jane Lew, Mike08, tosimmonds, sabo33, jm214, southernmapper, SoCaliana, AnotherAmericanLie, nezzclay, EquityRoy, Cinnamon Rollover, thomask, evangeline135, rexymeteorite, sound of progress, VTCC73, Hayate Yagami, jolux, Sunspots, Regina in a Sears Kit House, BoulderStevo, allergywoman, ArtemisBSG, deltadoc, Only Needs a Beat, anodnhajo, cwsmoke, We Won, IndieGuy, Joieau, Yonkers Boy, Horace Boothroyd III, Mr Robert, supercereal, Arahahex, Brown Thrasher, james321, avsp, Glen The Plumber, wasatch, Bisbonian, GoGoGoEverton, doesnotworkorplaywellwithothers, koosah, Carla in Sequim, weck
Source: dailykos.com

Affordable Care Act is constitutional, and it’s working in our state

“This law saves money, and it saves lives. I was at the Supreme Court in March, and stood on the steps to say we needed to protect this care. I do screenings for colonoscopies, and thanks to this law, people in this state receive free preventive care for things like colonoscopies, mammograms, cervical screenings. I am so pleased we do not have to return to the days where I would see patients who were bleeding wait to come in for screenings. By the time their cancer was diagnosed, it was far more expensive, and sometimes too late,” continued Neumeier.
Source: seiu1199nw.org

What the ruling means for Washington and Idaho

• They were banking on the U.S. Supreme Court turning down the measure, or barring that, an eventual push by a Republican president and GOP members of Congress to repeal provisions, including the individual mandate or refuse to fund the enterprise. Many GOP lawmakers in Idaho have said they would work hard to block key provisions of the health care changes if the Supreme Court upholds the law.
Source: spokesman.com

The Complication of Kaiser Permanente Medicare Eligibility

Posted by:  :  Category: Medicare

With sincere appreciation! Wish our selected articles of advices and recommendations on health, life, travel and other insurance have helped you out when it comes to shopping for a right policy. And you will also find glossaries and other frequently asked questions about insurance, which are definitely worth your time. Bookmark us and keep updated!
Source: insurance-how-to.com

Video: Jed Weissberg, MD, Talks About Medicare Advantage Health Plans and the Special Enrollment Period

Medicare Part D Open Enrollment Ends December 31st

Kaiser Health Plans . For more info on this and other stories, visit www.newsinfusion.com The annual election period for Medicare Part D is here, yet many eligible Americans still lack basic knowledge about the Medicare Part D prescription drug benefit and available coverage plans. In fact, according to a four-part study conducted by the Kaiser Family Foundation, numerous eligible Americans are confused over plan features and differences, fearful of the consequences of changing plans and unable to define key terms such as co-payment, premium and coverage gap. To help educate and address these challenges, November has been declared Senior Drug Coverage Awareness Month. Anyone 65 years of age or older, or anyone caring for someone in this age group, is encouraged to schedule an appointment with his or her local community pharmacist during the month of November. The pharmacist can answer questions and provide valuable education on the Medicare Part D prescription drug benefit, and help explore available plan options, ultimately preparing beneficiaries to make informed choices during the 2009 Medicare Part D annual election period-November 15, 2008 to December 31st, 2008. “Choosing the appropriate plan can depend on a variety of factors, including the overall health of the individual, the prescription drugs they have been prescribed and of course, cost” says Sam Rajan, R.Ph., a registered pharmacist and vice president of Clinical Operations with Universal American, the company that …
Source: blogspot.com

CMS Announces Medicare Advantage Demonstration Project; Also Issues New Proposed Rules to Medicare Advantage Plans

The Centers for Medicare and Medicaid Services announces a three-year demonstration project with financial incentives to improve quality. The project, which begins in 2012, will award Medicare Advantage plans earning the highest performance rating “the largest bonuses equal to 5 percent. Additionally, all Medicare Advantage plans that have a score of three stars and higher will qualify for a bonus payment in 2012.” CMS also issued proposed changes to the Medicare Advantage and the Medicare Prescription Benefit programs (Medicare Part C and D) that codify “clarifications to CMS authority to negotiate plan bids, [expand] restrictions on charging higher cost-sharing than traditional Medicare for certain services, and [limit] long-term care pharmacy waste by specifying efficient dispensing practices.” One of the pharmacy proposals includes a plan to require Part D sponsors to return unused medications for credit and reuse.
Source: kff.org

Medicare benefit Plans 2010

Many experts believe now is the best time to enroll. Fewer plans with zero supplementary cost over your Part B selected might be available in the time to come and the premiums are rising. With Medicare advantage you generally pay lower co-payments and get supplementary benefits such as coverage for extra days in the hospital, vision, dental, hearing, and preventing services like annual physicals and coverage for accident services while traveling or even fitness programs. It is certainly worth checking out your options of Medicare advantage Plans available to you.
Source: blogspot.com

Fight For Better US: Fact

CMS says-and Kaiser agrees-that spending will be reduced by getting rid of fraud and ending overpayments to private insurance companies. It sends a message to those insurance companies: Operate more efficiently. And instead of cuts, the CMS says they will be able to fund new benefits, including free preventive care and broader prescription coverage, including closing the “doughnut hole” affecting seniors. The doughnut hole is a gap in Medicare Part D prescription drug coverage, which requires seniors to pay for their prescription drugs out of pocket after surpassing a certain level of spending and before reaching a level where coverage resumed.
Source: blogspot.com

Medicare Advantage 2012 Data Spotlight: Enrollment Market Update

This data spotlight examines the growth in private Medicare Advantage plan enrollment in 2012, with a record 13 million Medicare beneficiaries enrolled as of March, representing 27 percent of all Medicare beneficiaries.  Enrollment jumped by more than 1 million enrollees from the previous year and increased in every state except Alaska and New Hampshire.
Source: kff.org

Santa Rosa County Democrats

One important caveat: the most recent data from Kaiser is for 2009-2010. These rates may have changed in the past two years. And governors elected in 2010 can’t rightly be blamed or credited for data that predates their terms. But broadly speaking, uninsurance is a bigger problem in the south than in the rest of the country. And that’s the region where governors and lawmakers are going to be under the most pressure to buck the provisions of the ACA that would do the most to provide coverage to their uninsured populations.
Source: santarosademocrats.com

Marketing Mavens Offer Advice On Handling Health Law Messaging

At the moment, I wouldn’t see much need for the Obama campaign to spin this or to advertise too much around it. They’ll obviously use it as a fundraising appeal to the base. “We succeeded; we still need your help.” But widespread advertising around it risks angering independents and moderates he’ll need to win and who aren’t necessarily convinced of this. The Republicans and other groups have been spending and will continue to spend on advertising against this. It’s a great fundraiser for them too. If I had to guess, I’d bet that Romney or Republican Super PACs have an easy soundbite for a 30-second ad in which Obama declares that the individual mandate is not a tax countered by the ruling from the Supreme Court that declares that is indeed a tax.
Source: kaiserhealthnews.org

What is Supplemental Medicare and Who offers it in California?

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

Private Medicare Advantage plans being paid for phantom care of VA patients

Results: Among individuals who were eligible to enroll in the VA and in an MA plan, the number of persons dually enrolled increased from 485 651 in 2004 to 924 792 in 2009. In 2009, 8.3% of the MA population was enrolled in the VA and 5.0% of MA beneficiaries were VA users. The estimated VA health care costs for MA enrollees totaled $13.0 billion over 6 years, increasing from $1.3 billion in 2004 to $3.2 billion in 2009. Among dual enrollees, 10% exclusively used the VA for outpatient and acute inpatient services, 35% exclusively used the MA plan, 50% used both the VA and MA, and 4% received no services during the calendar year. The VA financed 44% of all outpatient visits (n = 21 353 841), 15% of all acute medical and surgical admissions (n = 177 663), and 18% of all acute medical and surgical inpatient days (n = 1 106 284) for this dually enrolled population. In 2009, the VA billed private insurers $52.3 million to reimburse care provided to MA enrollees and collected $9.4 million (18% of the billed amount; 0.3% of the total cost of care).
Source: pnhp.org

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

Posted by:  :  Category: Medicare

'The election of Obama would, at a stroke, refresh our country's spirit' by Renegade98With 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 Advantage Plan Comparison Tool – PlanPrescriber

Illinois Medicare Advantage

Medicare Advantage, also called Medicare Part C, is another option offered as part of Medicare. It’s provided through private insurance companies approved by Medicare and is available to anyone currently eligible for Illinois Medicare. When you join a Medicare Advantage plan, you receive your Part A (hospital) coverage as well as your Part B (medical) coverage and even some coverage Original Medicare does not provide. In fact, many plans offer Part D (prescription drug) coverage as well as dental and in some cases, even vision. While out-of-pocket expenses vary between insurance companies, you always pay a monthly premium in addition to your Part B premium and receive all your benefits through your Medicare Advantage plan.
Source: ssiinsure.com

Medicare Supplement Plans

I hope you obtain new knowledge about . Where you may put to used in your day-to-day life. And most of all. View Related articles related to Medicare Supplement. I Roll below. I have suggested my friends to help share the Facebook Twitter Like Tweet. Can you share Medicare Supplement Plans.
Source: blogspot.com

Medicare Supplement Insurance Plan Benefit Comparison

*After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year. Plan K Out-of-Pocket Limit is $4,660.00. Plan L Out-of-Pocket Limit is $2,330.00. Out-of-pocket limit is the maximum amount you would pay for Co-insurance and Co-payments in a calendar year.
Source: wordpress.com

HOT NEWS & ENTERTAINMENT

“If patients pause their suitable remedy therapy abruptly, they could be fixation themselves during risk for remedy withdrawal effects and for relapse or recurrence,” Zhang and colleagues wrote. “If they do not notice any effects, they competence confirm not to resume holding antidepressants. Thus, a opening in drug coverage could place comparison adults in harm’s way, as a outcome of disruptions in suitable upkeep calmative pharmacotherapy.”
Source: svthanhha.vn

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Your connection details: Record #: 48856 Time: Thu, 05 Jul 2012 11:00:21 -0500 Running: 0.4.10a2 Host: gator1793.hostgator.com IP: 50.97.96.123 Post: Query: Stripped Query: Referer: User Agent: spider Reconstructed URL: http:// pdfbin.net /2011-medicare-advantage-hmo-ppo-comparison-chart-with-arta-7-5     Generated by ZB Block 0.4.10a2
Source: pdfbin.net

Medicare Supplement Plans Comparison – Some questions to make the process easier

Choosing a plan is the first thing that one should do. Price comparison is the second job that one must keep at the priority list. After having a right plan in hand, price comparison can be done without worrying for the coverage or features. Medicare supplement insurance is one of the best types of insurance policies that one can buy for the family. It is also essential to create a checklist of to –do things before getting involved in buying an insurance policy. What kind of services you want? What type of treatments or medications you could require in the coming years? If you have good understanding of all such things, it will be easy for you to decide upon a right policy.
Source: ezinemark.com

Cutting Through The Fog: Medicaid And Medicaid Expansion: The Dirty “Big” Secrets The Democrats Don’t Want You To Know

Posted by:  :  Category: Medicare

"The single best augury is to fight for one's country." ~ Homer (800 BC - 700 BC), The Iliad. by eyewashdesign: A. GoldenLast week, when ObamaCare was  “generally” upheld by the Supreme Court, a key provision of that law, the forced expansion of Medicaid, was actually struck down.  In a 7-to-2, majority decision, the Supreme Court ruled that the federal government has no right to tell the states that they must expand Medicaid and and eat the cost or lose all federal funding for their existing Medicare programs.  Since then, at least 8 Governors  — all Republicans —  have declared that they won’t participate in the expansion; citing budget deficits being behind their decisions. Surprisingly, the Democrats and the main stream media have been somewhat cold in saying or reporting anything about this.  The only time the press actually mentions it, at all, is to paint some Republican Governor in a negative light by noting that thousands of low-income citizens will be without access to health care.  But, that’s an intentionally political deception.  For starters, only about 42% of low-income wage earners are without any health insurance.  The majority either get employer-provided insurance; or buy it directly, themselves; or, get their care through the Veterans Administration or through the Medicare disability program.  Secondly, since 1986, anyone in America, not insured, could go to an emergency room and expect to get care without question or any real commitment to pay.  Which is what those uninsured low-income people have been doing for years. Just so you know. Medicaid is a program that was designed to give health care access to the very poorest of our country.  Basically, those people and families whose incomes fall below the currently defined threshold for poverty are all eligible for this program.  The cost of the program is shared by both the federal government and by the states; with the federal government currently covering 57% of the expense. In 2010,  Medicaid had 53 million participants and the overall cost was $409 billion.
Source: blogspot.com

Video: Kansas Children Drugged In Foster Care Medicaid Fraud

Daily Kos: Abbreviated Pundit Round

“I said that I agree with the [Supreme Court’]s dissent, and the dissent made it very clear that they felt [the individual mandate] was unconstitutional,” Romney said in a released clip of a CBS News interview. “But the dissent lost. It’s in the minority. And now the Supreme Court has spoken. And while I agree with the dissent, that’s taken over by the fact that the majority of the court said it’s a tax, and therefore, it is a tax.” And Romney “clarification” is one for semantics fanatics: “Actually the chief justice in his opinion made it very clear that at the state level, states have the power to put in place mandates,” Romney replied. “They don’t need to require them to be called taxes in order for them to be constitutional. And as a result, Massachusetts’ mandate was a mandate, was a penalty, was described that way by the legislature and by me, and so it stays as it was.” GOP leadership: It’s a tax! Romney and friends: It’s not a tax Romney: It’s a tax (federal) but not on a state level (even though it’s the same thing)
Source: dailykos.com

The future of health care: Federalising Medicaid

Which of course makes sense. The pro-federalisation crowd often complains about how states are ill-equipped to fund Medicaid. But it is exactly that budgetary pressure, unique to the states, which incentivises them to keep costs down, even if they are sharing the burden with the federal government. Whereas South Carolina decreased Medicaid payments to doctors in 2011, the federal government would like to raise them to Medicare levels. This is a telling indicator of how costs might increase under federalisation. (And it’s one of the reasons why some have suggested block grants as a solution for Medicaid—a good topic for a separate post.)
Source: economist.com

Daily Kos: Medicaid for all poor people? Don’t count on it.

And elderly, and disabled. My 72 year old mother, who worked in retail until retiring at age 69- very hardworking, very good at her job, and also incredibly frugal- recently qualified for the Illinois Cares program to pay for expensive medication she needs. Before she was in that program, she worried every month about how she was going to buy the medication and also groceries. I was worried, too, as the medication costs so much that I, a single woman, who lives on very little, was not able to help her out. Nor are we black or brown people- its amazing how the GOP have brought their racist dog whistle down and rounded up their loyal followers around this. And how readily and angrily they will deny it when you call them out on it, but everyone can see that is what it is about. They and those who vote for them believe that there are “undeserving” poor (read black and brown people, and anyone who isn’t like them. And it will never be them, right? Because they could never lose their insurance, because they work, right?) In any event, I happened to be reading a glossy, tri-folding, very nicely designed and printed ($$) pamphlet that came in the mail, I believe it was from Quigley’s office, which listed, rather unapologetically, with bullet points, how the Illinois budget problems would be solved. One of the ways was to cut Illinois Cares. I knew my Mom was on it, and I warned her because she had no idea. No letter, no nothing. And sure enough, a few days later, a letter came, the program would no longer exist. Naturally we are worried again. Our healthcare system is broken beyond repair. It is very disheartening to watch as our elected officials go about the business of bailing out the banks and billionaires who gambled and lost, and then sacrificing our most vulnerable with absolutely no remorse. Its sick Its sad. God help America. Happy 4th.
Source: dailykos.com

What the Health Care Decision Means to Us

Diana Zuckerman is the president of the National Research Center for Women & Families. She received her PhD in psychology from Ohio State University and was a post-doctoral fellow in epidemiology and public health at Yale Medical School.  After serving on the faculty of Vassar and Yale and as a researcher at Harvard, Dr. Zuckerman spent a dozen years as a health policy expert in the U.S. Congress and  a senior policy adviser in the Clinton White House.  She is the author of five books, several book chapters, and dozens of articles in medical and academic journals, and in newspapers across the country.
Source: mariasfarmcountrykitchen.com

Learn more about the Affordable Care Act

Posted by:  :  Category: Medicare

BITCH..beautiful individual that causes hardons .....item 1..Allen West calls Wasserman Schultz ‘vile’ and ‘not a lady’  (7/20/2011) ... by marsmet522Lower Cost Prescription Drugs: In the past, as many as one in four seniors went without a prescription every year because they couldn’t afford it. To help these seniors, the law provides relief for people in the donut hole – the ones with the highest prescription drug costs. As a first step, in 2010, nearly four million people in the donut hole received a $250 check to help with their costs. In 2011, 3.6 million people with Medicare received a 50 percent discount worth a total of $2.1 billion, or an average of $604 per person, on their brand name prescription drugs when they hit the donut hole. Seniors will see additional savings on covered brand-name and generic drugs while in the coverage gap until the gap is closed in 2020.
Source: 1×57.com

Video: Medicare Fraud Costs American’s $90 Billon a Year 2/17/2011

Medicare Premiums, Deductibles & Coinsurance: Rates for 2011

Because of the zero COLA increase in 2011, some Medicare beneficiaries will not pay more for coverage. If your premium is deducted from your Social Security check and your income is $85,000 or less ($170,000 if you file a joint tax return), then you won’t have to pay more. Your monthly premium will stay at either $96.40 or $110.50.
Source: suite101.com

Medicare Part B Cost 2011

Medicare Part A provides for inpatient clinic care, covering up 90 days per gain period and 60 reserve days to the lifetime, as well as one hundred days per gain within a skilled nursing jobs facility for care. To qualify for the skilled nursing jobs facility care, even though, you must have stayed in the hospital for three sequential days within 30 days prior to admission to the facility. Hospice care can also be supplied if you are confirmed being terminally ill by your medical doctor. Home health care is covered in Medicare Part A for 100 days, with the same stipulation you have stayed in the clinic for three days, these types of being within two weeks prior to receiving care and being homebound. Medicare Part B deals with many outpatient doctor companies. These include regular doctor visits as well as some preventive services, durable health care equipment, ambulance companies for emergency transportation, and x-rays and lab tests. It also includes outpatient physical, talk, and occupational therapy services and other home health companies.
Source: virginiamedicarepros.com

Don’t Believe the Actuaries, Medicare Is Far From Safe

In 2011, Medicare covered 48.7 million Americans — and cost nearly $550 billion. There’s now a $280-billion gap between the premiums and taxes the program takes in and the benefits it pays out. Since the last presidential election, the amount by which benefit payments exceed dedicated tax collections has nearly quadrupled. This fiscal trend is unsustainable. Medicare is inadequately financed over the next ten years, according to the Trustees. And with the “Baby Boom” generation starting to retire, there is even more pressure on Medicare’s costs.
Source: capoliticalnews.com

Daily Kos: Medicare: What can we do about it?

• NHE (national health expenditure) grew 4.0% to $2.5 trillion in 2009, or $8,086 per person, and accounted for 17.6% of Gross Domestic Product (GDP). • Medicare spending grew 7.9% to $502.3 billion in 2009, or 20 percent of total NHE. • Medicaid spending grew 9.0% to $373.9 billion in 2009, or 15 percent of total NHE. • Private health insurance spending grew 1.3% to $801.2 billion in 2009, or 32 percent of total NHE. • Out of pocket spending grew 0.4% to $299.3 billion in 2009, or 12 percent of total NHE. • The federal government share of health care spending increased just over three percentage points in 2009 to 27 percent, while the shares of spending by households (28 percent), private businesses (21 percent) and state and local government (16 percent) fell by about 1 percentage point each. So, a fifth of the GDP is spent on health care (a huge reason why reform is so difficult … that’s a lot of vested interest!) and a fifth of that on Medicare, the program for over 65s. In fact, some more factoids, same CMS source: • Per person personal health care spending for the 65 and older population was $14,797 in 2004, 5.6 times higher than spending per child ($2,650) and 3.3 times spending per working-age person ($4,511). • In 2004, children accounted for 26 percent of the population and 13 percent of PHC spending. • The working-age group comprised the majority of spending and population in 2004, at 52 percent and 62 percent respectively. • The elderly were the smallest population group at 12 percent of the population, and accounted for the remaining 34 percent of spending in 2004. If you want to control Medicare costs, control overall costs, but if you want to do that, control health costs for the elderly. And that’s where the cost of end-of-life care comes in. This USA Today story from 2006 illustrates the issue (not much has changed): Estimates show that about 27% of Medicare’s annual $327 billion budget goes to care for patients in their final year of life. From Kaiser, comes a ittle bit of reflection: One way to look at the American health care experience is as an experiment to see how far a society can go towards making people if not perfect, then at least as healthy as possible, in spite of the sometimes self-destructive behaviors that undermine good health.
Source: dailykos.com

How Nearly Half a Million People with Medicare Saved $724 on Prescription Drugs

Under the new health care law – the Affordable Care Act — seniors and people with disabilities in Medicare have saved a total of $3.5 billion on prescription drugs in the Medicare drug benefit coverage gap or “donut hole” from the enactment of the law in March 2010 through April of 2012. The Centers for Medicare & Medicaid Services (CMS) released data today showing that, in the first four months of 2012 alone, more than 416,000 people saved an average of $724 on the prescription drugs they purchased after they hit the prescription drug coverage gap or “donut hole,” for a total of $301.5 million in savings. These savings build on the law’s success in 2010 and 2011, when more than 5.1 million people with Medicare saved over $3.2 billion on prescription drugs.
Source: emaxhealth.com

How Conflicts of Interest Make Chemotherapeutics More Expensive

The lobbyists were intent on passage of the act because a key provision of the law prohibits Medicare and the federal government from using its size and purchasing power to negotiate lower prices from drug companies.[viii] Drug companies would still retain the right to set their own prices, meaning that these companies could raise their prices at the expense of taxpayers. To illustrate, Medicare patients pay almost 60 percent more for the top 20 drugs overall than veterans pay under a Department of Veterans Affairs program because the Veterans Affairs Department is allowed to use its large purchasing power to negotiate prices with the pharmaceutical industry.[ix] At the same time, the act limited how much oncologists could mark-up wholesale oncologic agents to affect cost savings.
Source: scienceprogress.org

Social Security goes up, but so do Medicare premiums

To P. D’Antonio, NOT EVERY PENSION PLAN IS THE SAME. MINE WAS FREE WITH THE AIRLINE THROUGH THE UNION. I also suffer with many Esophagus problems and I truly believe all the chemicals I worked with and ulcer in Esophagus from stress from the “Good Old Boys in the Union”. My husband gets a great PENSION as he made very little which co-incided with the city plan as all figured out to a tee as he paid in big monies for his Pension pretty much $200.00 to $400.00 in later years as made more but when he worked overtime and slept all wknd there and removed snow they took $600.00 of his overtime including the reg. month payments for his Pension. You young people know nothing or some older. Every pension plan is different!!! My friend hates it too but her company gives BONUS checks each year which she got a lump sum of $15,000 and others at that same company up to $34,000 per year. I worked for not much for 46 yrs. my hubby got NO Bonuses for Viet Nam. He will not get any Social Security for 30 yrs with City as part of the Pension Plan as he did not pay in unless worked other jobs. He has worked other jobs now for 16 yrs plus his 30 for city. Plus his 4 yrs Marine service plus 6 yrs reserves. He is 65 and still working for Health Ins. Him and I never saw Bonuses!!!!! I don’t get low free flying as quit early because of ulcer and many other throat problems working with so very many chemicals. Get your facts straight about Pensions!!!! I never heard of a 401K plan til 1991 in my whole life and neither did my husband. If they were around earlier must have been for the rich or high up people at jobs! Republicans wanted all the Soc. Sec. to INVEST, remember then we had the stockmarket fall with the Godlman Sacs and Wallstreet. My husband’s Pension almost went broke and had to be transferred to another pension which were still not sure of! If Republicans would of had their way all the Social Security would have been gone then. LOL Stockbroker’s would have taken a big share of soc. sec. How soon we forget Republicans went on and on about people invest their own and let stock people take over Soc. Sec. to invest and they would have lost all of it a long time ago!!! Every company has their perks and some are more generous than others!!!!! LOL
Source: msn.com

The future of health care: Federalising Medicaid

Which of course makes sense. The pro-federalisation crowd often complains about how states are ill-equipped to fund Medicaid. But it is exactly that budgetary pressure, unique to the states, which incentivises them to keep costs down, even if they are sharing the burden with the federal government. Whereas South Carolina decreased Medicaid payments to doctors in 2011, the federal government would like to raise them to Medicare levels. This is a telling indicator of how costs might increase under federalisation. (And it’s one of the reasons why some have suggested block grants as a solution for Medicaid—a good topic for a separate post.)
Source: economist.com