Medicare Dental and vision Benefits

Posted by:  :  Category: Medicare

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

Video: Health Insurance Information : About Medicare Dental Benefits

American Continental Insurance

Medicare health insurance provides huge medical coverage for several expenses for the medical treatment at hospitals. Wide variety of health insurance policies are also present that provide special and maximum coverage. The health plan covers hospital and visits to the doctor, emergency, prescription and also dental and vision care in some of the health plans. They have various cheap health plans like HMOs, PPOs, and POSs, where they give you the privilege to see a team of doctors and hospitals through their network. It is necessary to get a tiny co-payment on visiting any of the doctors belonging to the network. In order to obtain a free quote you have to complete a short online form. Be precise and sincere while giving details. On completing the online form, you will get many insurance quotes. This enables you to compare different insurance rates enlisted. Choose that health insurance policy which gives you the best medical insurance at affordable prices. Insurance policy is a necessity for everyone, but no one is happy to get a high insurance rate. They provide cheap insurance in comparison with others. Instant, free quotes on a click – what more one can expect!
Source: superarticledirectory.com

Teachers Are Not the Problem: Medicare meets Obamacare.

This blog’s target audience is retired teachers in WNY, which means that Medicare is probably at the top of your list of questions about the Affordable Care Act (ACA). Before addressing the specifics of the ACA with regard to Medicare, however, we need to do a little background work on some of the details of Medicare’s inner workings. Medicare comes in two “flavors”: traditional (sometimes called “fee-for-service” Medicare) and Medicare Advantage plans. Seventy-five percent of Medicare participants are in traditional Medicare while the remaining 25% are in Medicare advantage plans. That 3/1 ratio of traditional Medicare participants to Medicare advantage participants is important, and will have a tremendous bearing on how you personally view the Medicare changes in the ACA. Traditional Medicare is run by the government. It consists of Part A (hospital costs), Part B (doctor costs) and Part D (prescription drug costs). There is no cost to the participant for Part A, although there is a deductible for each hospital admission. Participants pay a monthly premium of $96.40 (or close to this amount) for Part B coverage. There is a yearly deductible for Part B costs. In addition Medicare only pays 80% of the covered Part A and B expenses. Traditional Medicare participants may, if they choose, purchase supplemental (Medigap) insurance to cover all or part of these costs not covered by Medicare. Traditional Medicare participants may also purchase Part D drug insurance through private insurance companies approved by Medicare. Traditional Medicare is a “fee-for-service” plan. Whenever you receive a covered medical service, Medicare provides a set fee for that service to the provider. Medicare providers have agreed to accept whatever fee Medicare provides as payment in full. (Actually, Medicare only pays 80% of this fee to the provider. The other 20% is billed to the patient or their Medigap insurance, if they have purchased it.) If you receive no covered services during a year, Medicare spends no money on your behalf. There is no upper limit on your yearly cost to Medicare if you do receive covered services. Medicare Advantage plans (also known as Medicare Part C) began in the 1970’s with the idea that the private sector could do Medicare more cheaply than the government. Over the years, Congress has made several changes to Medicare Advantage so that its focus now is attracting more private participation. Medicare Advantage plans are run by private insurance companies such as Univera, Independent Health, etc. Medicare pays these companies a flat fee to provide hospital and doctor services to their members. Some Medicare Advantage plans also include Part D drug coverage, while others require that their members purchase it as a separate entity. While participants in traditional Medicare are free to use any doctor or hospital and do not require a referral to see a specialist, Medicare Advantage plans usually require members to use only hospitals or doctors in their network. Going “out-of-network” usually results in the member paying either a larger share of the cost or, in some cases, the full cost of the service. If you are unsure which “flavor” of coverage you have, if you pay a “co-pay” when seeing your doctor, you are probably a Medicare Advantage member. Medicare Advantage members also pay their Part B premium to Medicare, usually through direct deduction from the Social Security payment each month. The amount that Medicare pays to the Medicare Advantage insurer for each member is a flat rate based on the average yearly cost to Medicare of traditional Medicare participants in your county. And there’s the rub. Medicare currently pays Medicare Advantage insurers about 15% more for each member than the average cost to Medicare for a traditional Medicare participant. Many Medicare Advantage providers use this extra money to provide services not covered by traditional medicare such as dental, eyeglasses and gym memberships. Everyone agrees that Medicare has financial problems. The Part B premium, for example, covers only about 25% of the cost of doctor services to Medicare participants. We Medicare participants often boast that we’re “paying our way” through our premiums. Sadly, that’s simply not the case. The ACA attempts to help stem the rise in Medicare costs by scaling back the increase in payments to Medicare advantage providers by about $322 billion over the next 10 years. Note that this is NOT a decrease of $322 billion from the current payment level. Instead, it is a decrease in the expected rise in these payments. If you are one of the 3-out-of-4 traditional Medicare participants, you will probably view this as a good thing. There will be no change in your Medicare services and the overall cost of Medicare will be $322 billion closer to being under control. If you are the 1-out-of-4 person who participates in a Medicare Advantage plan, you will likely see some decrease in the “extra” services such as gym memberships. To be fair, however, with everyone paying the same dollars into Medicare, it’s hard to make a case that it’s fair that Medicare spend an extra 15% on 25% of participants allowing them to receive benefits that the other 75% do not receive. And, in addition, we help bring Medicare costs under control. And, this $322 billion in savings is used to help pay the costs of the ACA. Believe it or not, there’s even more to say about Medicare in the next post. [NOTE: Click here for an excellent side-by-side comparison of traditional vs Medicare Advantage provided at the Medicare website. Click here to download a much more complete explanation of Medicare Advantage plans from the Kaiser Family Foundation.]
Source: blogspot.com

Medicare And Dental Coverage For Your Health And Wellness

Searching for the best Medicare as well as dental plan is necessary to cover for the overall wellness. To be able to fetch the very best dental insurance coverage, a quick online research is great. Ask for quotations and compare policies. Think! Would it be safer to choose the dental discount plan or perhaps the traditional dental insurance plan might be a greater investment in the future? Most Medicare dental insurance plans offers reduced rates which care very reasonable apart from the speedy online quotes that they can provide. Here you are offered with various competitive dental insurance plans that are available. You simply need an effective online search, a keen eye to compare the quotes and you are almost there for the bigger investment.
Source: generalliabilitycalifornia.com

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

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

Research Roundup: Medicare Spending, Community Health Centers, Children’s Dental Services

Kaiser Family Foundation: Medicare Advantage 2010 Data Spotlight: Benefits and Cost-Sharing – “This data spotlight examines trends in benefits and cost-sharing for Medicare Advantage plans in 2010, including the wide variations found across plans…”  Based on an analysis of 2,864 Medicare Advantage plans in 2010, the authors write: “Trends since 2008 present a mixed picture. On the one hand, the share of plans with limits on out-of-pocket spending has increased, while cost-sharing for primary care and specialist office visits has remained virtually unchanged. On the other hand, average cost-sharing for certain services (inpatient hospital stays and skilled nursing facility stays) has increased since 2008 (36 percent and 18 percent, respectively), appearing to shift greater costs to the subset of beneficiaries with the greatest medical needs” (Gold, Hudson, Jacobson and Neuman, 2/2).
Source: kaiserhealthnews.org

Changes to Medicare Upheld by the Supreme Court Ruling on the Affordable Care Act

Posted by:  :  Category: Medicare

Self Portrait Day 37 by HopkinsiiNew dates for Medicare’s Annual Enrollment Period (AEP) – During AEP, Medicare beneficiaries have the option to review and change their Medicare Part D and/or Medicare Advantage health coverage prior to the coming plan year when new plan benefits go into effect. Prior to the passage of the ACA, Medicare’s AEP began on November 15 and ended on December 31. But, the ACA changed those dates for the 2012 plan year. The 2012 AEP began on October 15 and ended on December 7, 2011. These dates are currently in place for all AEP’s going forward.
Source: ehealthinsurance.com

Video: Medicare Part D Open Enrollment Ends December 31st

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

Insurance Insider News July 11 – Health Insurers Agree to Lower Rate Increases

For brokers who want to engage Medicare, Word & Brown will help train them on how to sell these products and will help them establish relationships with carriers.  Brokers can also add Joppel – a CMS approved quoting engine to their own website. Gregg Ratkovic of Joppel said, “Every day 10,000 people are aging into Medicare and that trend is expected to continue for the next two decades. There are close to 50 million individuals enrolled in Medicare or Medicare Advantage plans with an increasing number of employers transitioning their retired workers into Medicare Advantage plans rather than keeping them in company-managed pension programs. Similarly, the individual and family plan market is a growth opportunity as employer groups reduce benefits, unemployment remains high, and group and government markets shrink. The implementation of health insurance exchanges and a growing desire among consumers for portable healthcare as frequent job changes become more common all point to opportunity as Americans look for quality coverage with flexibility and choice. With the recent Supreme Court decision to uphold the individual mandate proposed in the Patient Protection and Affordable Care Act signed into law in 2010, many employers may consider offering their employees lump sums so they can purchase Individual plans rather than maintain group coverage as early as January 2014.” For more information, visit www.wordandbrown.com.
Source: calbrokermag.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

Information on Illinois Cares Rx Program Alternative

You also have the opportunity to change plans if you desire to do so. If you want to change plans, you must enroll in the new plan between JULY 1, 2012 and JULY 31, 2012. If you choose to change your plan at a later time, the next time you are eligible to change plans would be during the Annual Enrollment Period, OCTOBER 15, 2012 TO DECEMBER 7, 2012 in which case your effective date for the new plan would be JANUARY 1, 2013.
Source: senatorkotowski.com

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 Initial Enrollment Period IEP

birthday, make sure you know what your deadlines are.  For Parts A, B, C and D, your personal initial enrollment period is the 3 months before your birth month, the month of your birthday, and the 3 months after your birth month.  For example, if your birthday is July 15, you can sign up from April 1 to October 31.  BUT if you want your coverage to start on the first day of your birth month, the earliest date possible and when most employer and individual insurance becomes secondary, (July 1 for this example), enroll by the end of the month before your birth month (June 30 for this example).  If you don’t sign up until sometime in July (birth month), your coverage will not start until August.  Signing up during the three months after your birth month leads to even more months between enrollment and effective dates, but no penalties.
Source: retirementeducationplus.com

Practical Insights: Dealing with Medicare Part B and COBRA Coverage

Generally, the Socal Security Act provides that individuals may enroll in Medicare Part B (which covers doctors visits and other outpatient services) when they reach age 65. If they fail to do so during a seven-month initial enrollment period surrounding their 65th birthday, they can enroll during an annual “general enrollment” period that occurs each January 1- March 31, with coverage becoming effective the following July1, though they will incur a penalty in the form of permanently higher Part B premiums (10% increase for each year of available coverage that is foregone). However, actively employed individuals who have employer-provided health coverage can postpone signing up for Medicare Part B until after age 65. When they lose the employer-provided coverage or terminate employment, whichever happens first, they are then provided an eight-month “special enrollment period” (“SEP”) during which they can sign up for Medicare effective immediately and without penalty.
Source: fordharrison.com

Medicare Blue Button, More Data Than Ever Before!

Posted by:  :  Category: Medicare

Nurse Alliance Action at RNC by SEIU InternationalNo longer are health records something that sit in a folder in your doctor’s office never to see the light of day! The power of having personal health data at your finger tips is a new and growing phenomenon with help from Medicare Blue Button.  Blue Button allows Medicare beneficiaries to access their health data on a website or mobile device and download their personal health data from a personal health record or from their doctors’, hospital’s or clinical laboratory’s patient portal.  Since its launch, hundreds of thousands of Medicare beneficiaries have downloaded their personal health data.  The power of personal health data has taken another step forward, with new opportunities between beneficiaries and their providers as demonstrated at Health Datapalooza IIIwith the announcement of the Blue Button Mash Up Challenge.
Source: medicareindex.com

Video: Blue Cross Sit in for Medicare for All, Los Angeles CA, October 15

Blue Medicare – Blue Cross Blue Shield Medicare: A Guide to BCBS Medicare Advantage, Part D, and Supplemental Plans

Blue Medicare PPO – under this plan, beneficiaries have the freedom to either access the company’s network of health care providers or go outside of the network (though going outside the network incurs greater costs.) There are low copayments for primary care physicians and specialists, and monthly premiums are both predictable and affordable. The plan includes generic drug coverage at little-to-no cost and provides emergency nationwide coverage;
Source: suite101.com

HEALTHCARE RECON: Rescuing the condition

many types of cancers are taking on the characteristics of a chronic condition; further, any comorbidities (e.g. diabetes) need to be managed differently for oncology patients; finally, oncology patients have a unique cost profile and the cost effectiveness of their care might be better evaluated in isolation rather than as part of a broader pool of patients.
Source: reconstrategy.com

Flash of Genius: Medical Matters: URGENT: WPS J8 MAC Medicare change starts at 2:00 Thursday 7/12/2012

. WPS officially starts payor id 08202 on Monday July 16, however they have announced “Dark Days” of Friday July 13 through Tuesday July 17. A dark day is a business day during the cut-over period when the Medicare claims processing system is not available for normal business operations. System dark days may occur between the time the outgoing claims administration contractor ends its regular claims processing activities and the incoming claims administrative contractor begins its first day of normal business operations. Genius is not certain what would happen if you sent Medicare claims with the new payor id between 2:01pm Thursday through 12:00am Monday.It is possible that BCBSM or WPS might hold them until they finish their dark days and process them normally, but we do not have any confirmation from BCBSM or WPS that this actually will happen. Therefore Genius recommends you do all of your Medicare billing before 2pm on Thursday July 12.Then do no Medicare billing until July 16 or later.On July 16 go to your Insurance Code Files and change payor id 00953 to 08202. Don’t change anything else and don’t change it before July 16. Click here for step-by-step instructions for changing the payor id in THOMAS. After you have changed your payor id on July 16 or later you should be able to resume sending your Medicare claims.
Source: blogspot.com

Ask The Experts: Retirement

Q. I recently turned 65 and signed up for Medicare Part B. I am still working. When I go to a doctor’s office and tell them I have both Part B and Blue Cross high option, what will Part B pay for? I continue to receive notices from Blue Cross telling me how much I owe the doctor with no indication that Part B has paid anything.  I thought that Part B was supposed to pay the doctor the co-pay that Blue Cross doesn’t pay.
Source: federaltimes.com

Medicare Plus Blue Ppo Manual October 2011 Version

Commonwealth of Pennsylvania treasury DePartment2009 UNCLAIMED PROPERTY ANNUAL REPORTINGBT ERM . Mc CAT ETREASURPropertyER2008ROForORDSTCommonwealth of Pennsylvania Treasury Department Harrisburg, Pennsylvania 17120The Pennsylvania Treasury Department is committed to increasing volun.
Source: propdfsearch.com

Steve Leeder’s Better Health Blog: THE MEDICARE LOCAL AS ORCHESTRA!*

All that was said about the need for far better communication among the players in chronic disease symphony can be said for mental health as well. There are so many commissions, reports, inquiries, and task forces that circle the planet like satellites at present that it is hard to know how to use them to best effect.
Source: blogspot.com

Horizon Medicare Advantage Blue Value with Rx

Please read through the full Horizon Medicare Blue Value with Rx HMO Summary of Benefits attached here for a more thorough review of the plan. I am also available to review this plan with you in a meeting if you wish. Due to marketing regulations, I have decided to list just the basics of the plan and but welcome appointments to discuss your full needs. Contact Mike at NewJerseyInsurancePlans
Source: newjerseyinsuranceplans.com

Blue Cross Blue Shield of Florida

All options available with Blue Cross Blue Shield of Florida -. Select Health Insurance Blue give you access to medical care is right for you. You can find a plan with the right options for your individual or family needs and the monthly payments you can afford. You will have access to many health professionals and facilities in your community. The insurance covers preventive health care and hospital care and emergency. Most times, you have full access to specialists without a primary care physician. In some limited cases, you must obtain permission before visiting some specialists. Speak with a licensed broker will help clear up any questions you have.
Source: greatestreason.com

Government Medical "Insurance"

Abraham Flexner, an unemployed former owner of a prep school in Kentucky, and sporting neither a medical degree nor any other advanced degree, was commissioned by the Carnegie Foundation to write a study of American medical education. Flexner’s only qualification for this job was to be the brother of the powerful Dr. Simon Flexner, indeed a physician and head of the Rockefeller Institute for Medical Research. Flexner’s report was virtually written in advance by high officials of the American Medical Association, and its advice was quickly taken by every state in the Union.
Source: mises.org

Medicare Open Enrollment: What are the Dates for Fall 2011?

Posted by:  :  Category: Medicare

Bubbles? Take something like 'Not I! .....item 1..Wakulla Republicans Protest Against Taxes in the County (September 06, 2011) ... by marsmet552Leaving the closing date to the last day of the year has caused problems in the past for some seniors who have waited until close to deadline to make changes. Bringing it forward should simply make it easier for the system to get up and running on January 1 2012 as it should. This also takes the Christmas holiday period out of the equation. Although some people do use the holidays to consider their options, others get diverted and have to make snap decisions at the last minute.
Source: suite101.com

Video: Medicare Levy Surcharge 2011/2012: nib Health Insurance Explained

Will Obamacare cause your Medicare Insurance Premium to double?

Thanks for doing the research! A higher premium is one of the things I worry about least though, I am far more worried about the end of life committee requirements, the payment limitations, the affects on those with disabilities, the disrespect shown religious freedom,etc. Could my 94 year old aunt get a replacement pacemaker? Will they pay for chemo for my78 year old neighbor with debilitating cancer? Will they deem untreatable children born with disabilities? My heart breaks when I contemplate these ethical scenarios.
Source: wordpress.com

Warning: More Health Insurance Changes on the Way

Health insurance may be mandatory in the coming years. A ruling deciding the fate of American healthcare, as it is currently known, will take place by June 28, 2012. The potential new rules are comforting for some and confusing to others. So many changes have already taken place. People are still trying to navigate the current changes and understand the changes that may take place in the future. If we are required to have insurance, how will it affect us? Changes in American healthcare past and present will be discussed.
Source: moderndignity.com

Teachers Are Not the Problem: Medicare meets Obamacare.

This blog’s target audience is retired teachers in WNY, which means that Medicare is probably at the top of your list of questions about the Affordable Care Act (ACA). Before addressing the specifics of the ACA with regard to Medicare, however, we need to do a little background work on some of the details of Medicare’s inner workings. Medicare comes in two “flavors”: traditional (sometimes called “fee-for-service” Medicare) and Medicare Advantage plans. Seventy-five percent of Medicare participants are in traditional Medicare while the remaining 25% are in Medicare advantage plans. That 3/1 ratio of traditional Medicare participants to Medicare advantage participants is important, and will have a tremendous bearing on how you personally view the Medicare changes in the ACA. Traditional Medicare is run by the government. It consists of Part A (hospital costs), Part B (doctor costs) and Part D (prescription drug costs). There is no cost to the participant for Part A, although there is a deductible for each hospital admission. Participants pay a monthly premium of $96.40 (or close to this amount) for Part B coverage. There is a yearly deductible for Part B costs. In addition Medicare only pays 80% of the covered Part A and B expenses. Traditional Medicare participants may, if they choose, purchase supplemental (Medigap) insurance to cover all or part of these costs not covered by Medicare. Traditional Medicare participants may also purchase Part D drug insurance through private insurance companies approved by Medicare. Traditional Medicare is a “fee-for-service” plan. Whenever you receive a covered medical service, Medicare provides a set fee for that service to the provider. Medicare providers have agreed to accept whatever fee Medicare provides as payment in full. (Actually, Medicare only pays 80% of this fee to the provider. The other 20% is billed to the patient or their Medigap insurance, if they have purchased it.) If you receive no covered services during a year, Medicare spends no money on your behalf. There is no upper limit on your yearly cost to Medicare if you do receive covered services. Medicare Advantage plans (also known as Medicare Part C) began in the 1970’s with the idea that the private sector could do Medicare more cheaply than the government. Over the years, Congress has made several changes to Medicare Advantage so that its focus now is attracting more private participation. Medicare Advantage plans are run by private insurance companies such as Univera, Independent Health, etc. Medicare pays these companies a flat fee to provide hospital and doctor services to their members. Some Medicare Advantage plans also include Part D drug coverage, while others require that their members purchase it as a separate entity. While participants in traditional Medicare are free to use any doctor or hospital and do not require a referral to see a specialist, Medicare Advantage plans usually require members to use only hospitals or doctors in their network. Going “out-of-network” usually results in the member paying either a larger share of the cost or, in some cases, the full cost of the service. If you are unsure which “flavor” of coverage you have, if you pay a “co-pay” when seeing your doctor, you are probably a Medicare Advantage member. Medicare Advantage members also pay their Part B premium to Medicare, usually through direct deduction from the Social Security payment each month. The amount that Medicare pays to the Medicare Advantage insurer for each member is a flat rate based on the average yearly cost to Medicare of traditional Medicare participants in your county. And there’s the rub. Medicare currently pays Medicare Advantage insurers about 15% more for each member than the average cost to Medicare for a traditional Medicare participant. Many Medicare Advantage providers use this extra money to provide services not covered by traditional medicare such as dental, eyeglasses and gym memberships. Everyone agrees that Medicare has financial problems. The Part B premium, for example, covers only about 25% of the cost of doctor services to Medicare participants. We Medicare participants often boast that we’re “paying our way” through our premiums. Sadly, that’s simply not the case. The ACA attempts to help stem the rise in Medicare costs by scaling back the increase in payments to Medicare advantage providers by about $322 billion over the next 10 years. Note that this is NOT a decrease of $322 billion from the current payment level. Instead, it is a decrease in the expected rise in these payments. If you are one of the 3-out-of-4 traditional Medicare participants, you will probably view this as a good thing. There will be no change in your Medicare services and the overall cost of Medicare will be $322 billion closer to being under control. If you are the 1-out-of-4 person who participates in a Medicare Advantage plan, you will likely see some decrease in the “extra” services such as gym memberships. To be fair, however, with everyone paying the same dollars into Medicare, it’s hard to make a case that it’s fair that Medicare spend an extra 15% on 25% of participants allowing them to receive benefits that the other 75% do not receive. And, in addition, we help bring Medicare costs under control. And, this $322 billion in savings is used to help pay the costs of the ACA. Believe it or not, there’s even more to say about Medicare in the next post. [NOTE: Click here for an excellent side-by-side comparison of traditional vs Medicare Advantage provided at the Medicare website. Click here to download a much more complete explanation of Medicare Advantage plans from the Kaiser Family Foundation.]
Source: blogspot.com

Medicare Changes Set For 2011

Additional discounts will continue up through 2019. Medicare Advantage Plans: It is important to note that there is a new, shorter annual open enrollment period from January 1 through February 15, 2011. Medicare beneficiaries enrolled in a Medicare Advantage plan can use this 45-day enrollment period to change from Medicare Advantage to original Medicare only. They cannot change to another Medicare Advantage plan. In addition, a special enrollment period to join a prescription drug plan will also apply, although there will not be a guaranteed issuance of a Medicare Supplement Plan, or Medigap, unless other rights apply. Medicare beneficiaries who are enrolled in a prescription drug and/or Medicare Advantage plan and who have questions about how changes from the Affordable Care Act (ACA) might affect them, should consider contacting their state Senior Health Insurance Program (SHIP), a free statewide health insurance counseling service for Medicare beneficiaries and their caregivers. Medicare Beneficiaries in California Have HICAP California seniors can reach out to service organizations for assistance. There are counselors who are available through the Health Insurance Counseling and Advocacy Program (HICAP), a volunteer program that provides free, unbiased Medicare counseling and information.
Source: ezinemark.com

Medicaid official rules against Ind. abortion law

Another federal appeals court ruled in May that Texas cannot ban Planned Parenthood from receiving state funds, at least until a lower court has a chance to hear formal arguments. A three-judge panel of the Fifth Circuit Court of Appeals agreed with a lower court that there’s sufficient evidence the state’s law preventing Planned Parenthood from participating in the Women’s Health Program is unconstitutional.
Source: bsudailynews.com

Critz Votes Against Obamacare Repeal

Posted by:  :  Category: Medicare

20090418jb_EFCAcanvassingPA_04 by SEIU InternationalAccording to PolitiFact, the law actually increases Medicare spending and coverage in a few cases, but that the cuts are actually provisions “designed to reduce future growth in Medicare spending, to encourage the program to operate more efficiently and to improve the delivery and quality of care, in ways including reducing hospital re-admissions.”
Source: politicspa.com

Video: State Takeover of Harrisburg, Medicare/Medicaid Funding [Pennsylvania Newsmakers]

Pennsylvania Man Charged with Medicare Fraud in Ambulance Scheme

In recent years, and especially in 2012, ambulance services companies have become the target of Medicare audits and are frequently accused of billing Medicare for unnecessary services. Medicare and Medicaid audits can result in overpayment demands reaching into hundreds of thousands of dollars and assessment of fines. Ambulance services were included in the Department of Health and Human Services (DHHS) Office of the Inspector General (OIG) work plan for fiscal year 2012 as an area that would be subject to scrutiny. Zone Program Integrity Contractors (ZPICs) and Recovery Audit Contractors (RACs) are launching audits of ambulance service providers and emergency medical transportation companies.
Source: thehealthlawfirm.com

Medicare Insurance Supplement Lancaster PA » Yapperz.com

While many individuals may think that they must visit Harrisburg as well as Philadelphia to discover top-rate dentists, there is really no need for this because there are plenty of Lancaster PA dental practitioners that will help you locally. By exploring your choices and checking out the different components that every dental office needs to offer, it is possible to be able to enjoy the best choice with regards to your dental care. Not everyone gets the identical needs, and it’ll be up to you to ensure yours tend to be met. As extended while you look around as well as make certain you can find things you need inside Lancaster PA dentists, you should have a fantastic experience and obtain the outcome which you deserve. Just make certain you don’t settle for something under what you think is best. Capital Blue Cross Lancaster PA Aetna (southeastern PA which includes Philadelphia as well as the Lehigh Valley) is one of the biggest health insurance organizations inside the country. They have got above one hundred fifty many years encounter inside the insurance industry. That is the reason why forty thousand associates accessibility medical health insurance through Aetna nationwide. Aetna provides a wide array of health insurance alternatives to the people and family members within Eastern Pennsylvania. Aetna presents affordable insurance policies in each and every U.S. state. Here are a few of Aetna’s plans: o PPO (Preferred Provider Organizations). PPOs provide you with the flexibility and independence to get treatment coming from any kind of medical doctor or clinic : you’ll possess insurance plan effortlessly healthcare providers. But if you choose physicians in the Aetna’s countrywide network, you’ll save the your quality of life care costs. o Preventative and Hospital Care. These ideas offer protection for regimen physicals, hospital admission, and hospital surgical treatments — with flexible deductibles. o HSA Compatible. Many of Aetna’s health plans are usually appropriate for Health Savings Accounts : where one can spend less tax-free for the medical care expenses. The identify Blue Cross of Northeastern Pennsylvania will be identified along with quality health care coverage. For greater than 70 years, residents inside 13 areas regarding northeastern as well as wants key Pennsylvania have loved the safety and also reassurance in which originates from applying in a First Priority Healthplan. Geisinger Health Plan (Northeastern PA, Poconos, Lehigh Valley as well as Central PA) any not-for-profit well being upkeep organization (HMO) acts the actual health-care needs associated with members inside 42 areas through key and northeastern Pennsylvania. Begun in 1985, the actual Health Plan has gradually advanced directly into among the nation’s largest rural HMOs by giving high quality, affordable health-care benefits. If you’re searching for extensive health insurance policy at a competing cost, the actual intelligent option is Geisinger Health Plan. They provide coverage with regard to businesses of all within their and people & families. Golden Rule, a United Healthcare Company, (Southeastern PA such as Philadelphia, the actual Lehigh Valley and also Erie) provides quality, cost-effective well being ideas together with a host of various insurance coverage types. Individuals and also Families of most backgrounds have a way to acquire high quality medical insurance for a price they can afford.
Source: yapperz.com

The Centers for Medicare and Medicaid Website : Pennsylvania Law Monitor

Centers for Medicare and Medicaid Services now have a program to help prospective patients compare the quality of a variety of medical services. The website provides information about hospitals, doctors and nursing homes.  On this website you can compare medical services based on several criteria, including previous patients’ satisfaction. The purpose of the website is to foster improved patient care by providing the public with comparative statistics.
Source: stark-stark.com

Feds question Pennsylvania over drop in Medicaid recipients

I worked in a county assistance office for 17 years, the last seven of which were in a Medicaid application unit. Basically, applicants and recipients should appeal any rejection notices. It forces the county assistance office to give an additional 30-day review. If someone is receiving Medicaid, they have an additional 30 days to provide proof requested by the CAO. From where I sit, the Philadelphia CAO is the worst CAO to do business. Workers and supervisors don’t return telephone calls, don’t respond to internal e-mail, disconnect their phones and are always away from their desks. This is from the perspective of an employee. You can appeal yourself and the CAO has to help you get information that you can’t get on your own, such as final pay date. Don’t let the process, the proof or the worker intimidate you. DPW would rather settle than go to an administrative hearing because, frankly, it is cheaper. I think this story needs further development by the P-N.
Source: pennlive.com

Medical Device Company Pays $42 Million to Settle Medicare Fraud Allegations

schemes involving not only physicians and their staff but also patients and sales agents in order to promote the use of these devices.  In some cases company employees would coach physicians as well as their staff in order to fraudulently fill out paperwork extending the medical need to be “9 months” for Medicare patient.  Some employees would even forge signatures of doctors in order on the Certificate of Medical Necessity.  In addition, Orthofix was alleged to have waived patient’s co-payments in order to successfully receive orders. Orthofix is a global medical device company which has manufacturing, administrative and training facilities in the United States.  The settlement consists of a $7.65 million criminal fine and $34.23 million (plus interest) qui tam/False Claims Act civil settlement.  In addition, the company has agreed to enter into a Corporate Integrity Agreement with the Office of Inspector General of the Department of Health and Human Services. This case is significant, in our view, as the investigation has been broad-based resulting in numerous felony charges against executives, employees and contractors of Orthofix.  These charges resulted from the payment of kickbacks, lying to a federal grand jury and falsifying patients’ records. More information for whistleblowers is located at the Nolan & Auerbach, P.A. website.  
Source: medicare-fraud.net

Consumer Reports advocacy arm talks hospital negligence

A consumer advocacy group is calling for full disclosure from hospitals and other health facilities regarding the number of accidents and serious injury that occurs while patients are in their care. Currently, 14 percent of all hospital negligence and medical harm events are reported by hospital staff, according to federal statistic estimates. The Consumer Union’s Safe Patient Project wants all adverse outcomes reported for public awareness.
Source: palmbeachpersonalinjuryblog.com

PA7: Winnable, But Badey Lags Meehan in Fundraising

The Badey campaign surveyed 400 voters in the district, and reported that they favor Badey 41 to 38 after hearing Meehan’s record on Medicare and women’s health. As with any internal poll, the results should be taken with a grain of salt, as they are largely done to boost fundraising or show campaign viability.
Source: keystonepolitics.com

All PA’s might soon get a Raise from the CMS

Hello everyone! A friend of mine (a Urologist) sent me something very cool. http://www.medscape.com/viewarticle/767033?src=rss Incase you do not have a medscape account basically the CMS (Medicare) is proposing reimbursement raise for Primary Care Physicians (7% Family, 5% Internal, and 4% geriatrician) as well as PA’s and NP’s through pay cuts to specialist. Here are the top 9 pay cuts 1. RadOnc -15% 2. Anesthesiology -3% 3. Cardiology -3% 4. Interventional Radiology -3% 5. Neurosugery -1% 6. Pathology -2% 7. Radiology -4% 8. Urology -2% 9. Vascular Surg -3% I’m pretty excited for this actually, but seeing as I’m in Urology, I might not get the raise. It did not specify if only family practice, Internal or geriatric PAs would get the raise. This schedule is set for 2013. I think its a step in the right direction to get more medical school students and PA students to go into primary care. I also really enjoy the part where certain specialties who make ridiculous amounts of money for sitting in a room all day take a cut to fund those who actually bust their butts. Specialties such as allergy/immunology, gastroenterology, general surg, plastics, and rheumatology will see no change in medicare reimbursements. So what do you guys think?
Source: physicianassistantforum.com

What You Need to Know About Medicare, Supplements, Part D & Medicare Advantage

Posted by:  :  Category: Medicare

Healthcare in America: Who's Paying Who? And Who's Getting What? (g1a2d0014c1) by watchingfrogsboil is an HMO or PPO Medicare policy which provides the Medicare recipient with copays for services, no claims filing and may add services that are not covered by Medicare or Supplement policies such as eye exams, hearing aids, prescriptions or dental care.  Medicare Advantage HMO products require that you receive your medical services by a participating provider, with the exception of emergent treatment. A PPO Med Advantage plan has all the advantages of  the HMO provider network
Source: foglegroup.com

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

State Official Brings Attention to Approaching Medicare Signup Deadline

Greg Olsen, Acting Director of the State Office for the Aging said, “If you didn’t sign up for Medicare Part B medical insurance when you first became eligible for Medicare, you now have an opportunity to apply – but time is running out. The deadline for applying during the general enrollment period is March 31.” He went on to say, “If people eligible to sign up miss this deadline, they may have to wait until 2013 to apply and could face unnecessary out of pocket expenses for medical coverage that they are eligible for under Medicare.”
Source: readmedia.com

Signing Up For Supplemental Medicare

* As mentioned earlier, there are 12 varieties of Medigap plans between A to L. These plans provide different kinds and degrees of coverage, that Medicare originally does not provide. Hence, you must look out for the Medigap plan that provides maximum secondary coverage to the type of medical expenses which maybe incurred by the beneficiary. It is vital that you know which Medigap plan provides coverage in the area you reside in, as some Medigap plans usually do not provide coverage in some geographical areas. It is also important to know which companies (Medigap providers) offer, which plans. Anybody can obtain all this information from the state department of insurance.
Source: millionaire-business-articles.com

medicare cost with medication

I don’t think medicare has a co-pay. You have a meet a deductible each year. It varies from year to year. The Medicare Part B deductible for 2009 was $135.00 for example. In 2011, my medicare deductible was $162.00. This year (2012), it is $140. I just logged into my medicare account to verify this. The 80/20 is called co-insurance, not a copay. Medicare pays 80% and you are responsible for the other 20%. Some people purchase a medicap policy to help fill in this gap. myersd63 is correct in that if you don’t sign up for medicare when you 1st become eligible, there is a 10% penalty each year for delayed enrollment unless you have other medical insurance.
Source: mdjunction.com

3 provider organizations awarded Medicare accountable

If you enjoy the content on the Crain’s Detroit Business Web site and want to see more, try 8 issues of our print edition risk-free. If you wish to continue, you will receive 44 more issues (for a total of 52 in all), including the annual Book of Lists for just $59. That’s over 55% off the cover price. If you decide Crain’s is not for you, just write “Cancel” on the invoice, return it and owe nothing. The 8 issues are yours to keep with no further obligation to us. Sign up below.
Source: crainsdetroit.com

Tax Justice Network: The Helsinki transfer pricing presentations

Posted by:  :  Category: Medicare

a list of most of the papers from the Seminar on Transfer Pricing in Helsinki on June 13-14, 2012. We have now received all the presentations, and are pleased to publish the full list. These papers will be available as a permanent item on our website,
Source: blogspot.com

Video: The Black Professionals News Covers NMA’s Installation of Dr. Cedric Bright

The ‘Impactables”

These “Impactable” claimants however can be positively influenced by adopting lifestyle changes that promote wellness and effective disease management.  Plan sponsors need to keep a keen eye on the growth of biologics, but they also need to stay equally mindful of the “Impactables”.  The need for drug management policies that require “first try this, then try that” approach to actively managing biologics is paramount, but employers also need to take a serious look at enhanced generic programs, conditional formularies, step reimbursement levels, (i.e. 90% copay for tier 1 medications, 70% copay for tier 2 drugs), prior authorization programs and biological management programs.  The traditional wellness management programs focusing on lifestyle and other health outcomes should be considered, particularly if they can be quantified or benchmarked against specific therapeutic categories to gauge progress. 
Source: idealbenefits.ca

“Formulary Apportionment – Myths and Prospects” by Reuven S. Avi

This paper seeks to re-examine the formulary alternative to transfer pricing by inquiring whether partial integration of formulary concepts into current practices would offer a reasonable alternative to transfer pricing rules. We believe that the key to achieving an equitable and efficient allocation of MNE income is to solve the problem of the residual, i.e., how to allocate income generated from mobile assets and activities whose risks are born collectively by the entire MNE group. These assets and activities generate most of the current transfer pricing compliance and administrative costs, as well as tax avoidance opportunities. A limited formulary tax regime that allocates only the residual portion of MNE income may therefore offer significant advantages. Furthermore, such a regime would not require significant deviations from current practices, or substantial modifications of the international tax regime.
Source: bepress.com

Iklan gratis tanpa Daftar

[b]Description[/b] Elimite Cream (generic name: permethrin; brand names include: Acticin / Nix / Kwellada-P / Lyclear / Pyrifoam / Quellada) belongs to a group of medicines known as antiparasitic agents. Elimite Cream is a scabicidal agent. Elimite 5% Cream is used topically to treat scabies and other pests including ticks, fleas, lice, and mites. Elimite Cream may be used in adults and in children. It was shown to be safe and effective in infants 1 month of age and older. [b]Recommendations[/b] Follow the directions for using this medicine provided by your doctor. Use Elimite Cream exactly as directed. Elimite Cream is usually used as a single time treatment. The application may be repeated in one week if lice, nits or mites are still present. [b]Precautions[/b] Tell your doctor before using Elimite cream, if: you are allergic to any medicines; you are pregnant or breast-feeding. [b]Ingredients[/b] Active ingredient: permethrin.
Source: auliahasan.com

Medicare Part Formularies

Tags: medicare part d drug formularies, medicare part d formularies, medicare part d formularies 2010, medicare part d formularies 2011, medicare part d formularies 2012, medicare part d plan formularies, medicare part d prescription formularies
Source: arizonamedicarepros.com

Fewer “Not Recommended” Drugs are Being Prescribed in Texas Workers’ Compensation System

The formulary mandated by House Bill 7, 79th Legislature, 2005, includes all FDA-approved drugs, except for investigational and experimental drugs and excludes drugs listed as “N” drugs or “not recommended” drugs in Appendix A of DWC’s adopted treatment guidelines. Under this formulary, which took effect for new workers’ compensation claims with dates of injury on or after September 1, 2011, prescriptions for drugs that are excluded from the formulary require pre-approval from the insurance carrier before they can be dispensed.
Source: employerbrief.com

Illinois Medicare Advantage

Posted by:  :  Category: Medicare

'The election of Obama would, at a stroke, refresh our country's spirit' by Renegade98Medicare 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

Video: Medicare Advantage Plan Comparison Tool – PlanPrescriber

Medicare Advantage and Medicare Supplement Plans.wmv

I hope you obtain new knowledge about . Where you can offer easy use in your life. And most importantly. View Related articles related to Medicare Supplement. I Roll below. I even have suggested my friends to assist share the Facebook Twitter Like Tweet. Can you share Medicare Advantage and Medicare Supplement Plans.wmv.
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

Navigating The Medigap and Medicare Advantage Maze

The Medicare maze is long and twisting. Understanding the reason you are taking the path you are on is something that is necessary to ensure your coverage is up to par with your needs. The reason Medicare is often confusing to many is because of the choices you are given in regards to health care plans. One major obstacle is to determine if you would rather choose Medicare with Medigap Supplement Insurance plans or choose an all inclusive option such as Medicare Advantage. It is important to understand both options thoroughly to know if you are making the right choice. First let’s talk about Medicare Advantage. Often times at first glance the Medicare Advantage program looks like a cheaper option for better coverage. This may not always be the case though. The one thing about the Medicare Advantage program is that the premiums may increase over time and you are locked into them. Another item to think about is the often higher co-pays that come along with the Medicare Advantage plans. This plan is ideal for candidates whom already have a doctor in the network caring for them. With Medicare Advantage you need to choose who you see based upon who contracts with Medicare to provide you coverage. Not all doctors are covered. This is true in regards to specialists as well. You must see a doctor that has a contract within the Medicare network of doctors. Medigap refers to the plans that fill in the holes left with traditional Medicare Part A and Part B. Medigap Supplemental Policies are identified using a letter of the alphabet. It is insurance that is sold through private insurance companies. Something to be aware of however is that the government has standardized each Medigap Plan. This is important because although the health insurance companies may have a different price on the plan the coverage and benefits you receive are the exact same from company to company. This makes comparing policies a bit easier because you know that no matter what the Medigap Plan is going to be the same no matter where it is purchased. The decision really comes down to a company and price you are willing to purchase the insurance from and which plan out of the available plans fills in the holes left by Medicare that you need filled in. When looking into insurance companies to purchase a Medigap policy from make sure to compare the rates of several companies. It is important to note that some insurance companies add in a clause that the premiums will or will not rise with age. Many plans increase rates with inflation however it is best to find a company whom has a reasonable price for their coverage, good service and a clause that the premiums will not raise because of the participants age bracket. Otherwise the limited income you are living on could need to feed a higher Medigap premium in the future. Choosing a Medigap Supplement Insurance plan is not an easy thing to do. Many online sources offer side by side comparisons of the different options available with not only a plan comparison but a cost comparison quote from several insurance companies. IT is best to work online with a company that offers online support as well as telephone support when look into compare rates and view Medigap plans. This was if a question come up you will be able to have it handled promptly. It also helps remove impassable paths to get you to the finish line sooner in the Medicare maze.
Source: submityourarticle.com

Medicare Advantage Plans Are a Vital Source of Coverage for Low

3rd Party Studies ACOs Admin Costs Age Rating Cadillac Tax cbo Cost-Shift Dual Eligibles Employers Essential Benefits Exchanges GRP Health Plan Satisfaction House hearings House legislation HSAs KI MA Makena McCarran-Ferguson Medical Prices Medical Tests medicare medigap MedMal MLR Morning Headlines MT Patient Safety premiums Premium Tax Profits Provider Consolidation PWC Quality Rate Review Readmissions Reform RZ Senate hearings Senate legislation Small Business The Link Vilification Waste Fraud and Abuse
Source: ahipcoverage.com

Medigap vs Medicare Advantage

On the other side of Medigap vs Medicare advantage, the Medicare Advantage plan is also offered by the insurance company and this offers standard hospitalization and coverage of both Parts A and B. In certain cases, this could include services beyond the Original Medicare. Therefore, with Medigap vs Medicare advantage, MA has an advantage in terms of the extent of coverage since it can cover beyond the basic plan where supplemental coverage only offers added coverage to existing plans. The MA comes in PPO and HMO formats, both managed care plans. With HMO, you have to work with doctors within their preferred network while PPO allows you to choose your preferred doctors.
Source: quotes-center.com

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

Medicare Supplement or Medicare Advantage?  

Changes in funding Now, let’s look at the federal cost to provide Medicare Advantage benefits versus Original Medicare benefits. You may recall that during last year’s health care debate, President Obama cited a statistic that Medicare Advantage costs 14 percent more to the taxpayer than Original Medicare. This statistic came from MedPAC, an independent advisory committee to Congress. MedPAC performs an annual analysis to calculate this statistic, but although the citation was made in 2010, the statistic quoted was based on the 2009 Medicare Advantage plan year.
Source: osbornassoc.com

Medicare Advantage Enrollment Goes Up As Premium Costs Decline

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSThe 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

Video: SHIIP Medicare Premiums.flv

The Economics of Obamacare (Part 3): Understanding the Lessons of Medicare

Like any organization, Medicare tries to curtail its costs. And this is where it gets tricky: bureaucrats can only set limits on the prices they are willing to pay or limit the services they are willing to cover. While this does, in fact, help curtail costs to Medicare as a program, it doesn’t do much to curtail costs in the entire health care system. All of the underlying health care products and services must be produced by somebody — nurses, doctors, medical technology manufacturers, biologists, technicians, researchers, and so forth. Therefore, these things have their own costs for labor, materials, and research, to name just a few factors. So, doctors and hospitals treating Medicare patients are frequently left with partially unpaid bills. Consequently, doctors and hospitals raise their prices for everyone else (non-Medicare patients). Naturally, these more expensive price tags ultimately flow through to higher premiums on the private insurance policies covering these patients. In effect, the rest of the country picks up an increasing share of the tab for the Medicare crowd each year. So, persons A, B, and C pay for Medicare through taxes that pay claims for persons X and Y — and then these same persons A, B, and C simultaneously pay into a private insurance pool that pays claims for persons A, B, and C, as well as the disallowed portions of persons X and Y’s claims in Medicare. Got it?
Source: cfainstitute.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

Information on Illinois Cares Rx Program Alternative

You also have the opportunity to change plans if you desire to do so. If you want to change plans, you must enroll in the new plan between JUNE 1, 2012 and AUGUST 31, 2012. If you choose to change your plan at a later time, the next time you are eligible to change plans would be during the Annual Enrollment Period, OCTOBER 15, 2012 TO DECEMBER 7, 2012 in which case your effective date for the new plan would be JANUARY 1, 2013.
Source: senatorkotowski.com

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

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

Obamacare Facts Elderly And Middle Class Must Know

Fact 2: An Independent Payment Advisory Board (IPAB) will be setup consisting of non-elected government officials whose job it will be to determine medical policy on who will or will not receive certain medical treatments or how much will be covered under the new healthcare program. This will include mandatory end of life counseling for all participants under the Affordable Care Act. This means the IPAB will be the sole board to decide if cancer treatments are granted to certain patients and if an 80 year old patient should receive a heart transplant or hip surgery. Not all patients will receive life saving treatments and with the addition of 30 million more patients the wait for vital surgeries will take months.
Source: medfordcitysearch.com

Kathleen Sebelius: The Affordable Care Act has made the U.S. health

You can see the same trend with premiums. Between 2000 and 2009, the average family premium more than doubled, from $6,438 to $13,375, an annual increase of 8.1 percent. From 2009 to 2011, family premiums still rose — but at a rate 25 percent lower. That generated savings of more than $1,200 per family, a trend of lower premium increases that independent experts such as Mercer, the human resources consultant, and the nonprofit National Business Group on Health project will continue. And the law will provide even more relief in the years to come, including a tax cut averaging $4,000 for 18 million middle-class Americans — a tax break that repeal would eliminate.
Source: charlog.me

MEDICARE CHOICES Independent Insurance Agent dba: CATCHING UP TO THE PRESENT: A Brief Synopsis

Much has occurred since I last posted to this Blog, not the least of which has been passage of the “Obomneycare Legislation” and it’s judicial “ratification” by the Supreme Court. There are many kinks to work out in the implementation of healthcare reform as legislated by Congress, signed by the President, and upheld by the Supreme Court last week. Despite the contentious process that has brought us to this day, it is the opinion of this independent insurance agent that much good may come of this legislation. As the healthcare industry stabilizes, as the healthcare infrastructure modernizes and expands, as access to healthcare equalizes, as capital and discretionary income become available for economic growth and improved living standards, then the negatives propagandized by the Left Wing and Right Wing demagogues will fade into oblivion. On a personal note I underwent major cardiovascular surgery in April of 2011. This experience has been and continues to be a major change to my life. On the plus side I cannot say enough to express my love, admiration, and gratitude to the two hospitals, their physicians, nurses, physical and occupational therapists, and entire staffs, all of whom work so hard and with so much love, and who saved my life. “My cup runneth over…,” thanks to the Love of God as granted to me through them. The impact of surgery and recovery on my personal and professional life has been great. My spiritual heart opens to the world more and more every day, as do my eyes and my ears. Even though I must now rebuild my fledgling business, like a bird fallen from it’s nest learning to fly again, I do so with a greater sense of the realities of life that center so importantly on healthcare and so specifically on the importance of proper and appropriate health insurance. It is already summer 2012. The 2013-AEP (annual enrollment period) for Medicare is close enough now that insurance providers are now making 2013 training available. More on that next time I post, and for now, may the Good Lord shine His Countenance upon you, protect you, and infuse your soul with His Peace.
Source: blogspot.com

Medicare Costs and Financial Retirement Planning: Preserve Retirement Savings with Medicare Education and Planning

It should be noted that private insurance policies under Medicare Advantage plans are sometime called "Medicare Part C." Though regulated by the federal government, these are not under Medicare but are the private insurance options for services typically covered under Medical Part A and B. Medicare benefits under Medicare Part A or Part B are no longer available if private medical insurance is secured by an otherwise eligible beneficiary. Additionally, Medigap is a term used to describe supplemental private medical insurance to cover "gap" services not covered by Part A, Part B, or Part D.
Source: suite101.com

The Reality Regarding U.s. Medicare insurance Benefits On Filipino Soil

U.S. Medicare insurance coverage inside a foreign hospital is restricted, with very couple of exceptions: (1) once the insured resides within the U.S. however the most proximate hospital is really a non-U.S. territory, or (2) when an urgent situation arises as the insured is travelling without uncommon delay between Alaska and the other U.S. condition, along with a Canada-based hospital may be the nearest spot to seek emergency care.
Source: maestrogallery.com

Woodhaven, Michigan Medicare Supplement Plan G

Posted by:  :  Category: Medicare

Choose Love Over Fear by elycefeliz[…] 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 Sustainability: Facts & Myths (Dr. Robert G. Evans – Part 1)

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

Is it Time to Check Your Medigap Rate? — The Senior Gazette

A client recently contacted me because she felt like the insurance company from which she was purchasing her Texas Medicare supplemental insurance was no longer competitive.  Her rates, like most, had gone up.  But one thing she had failed to do when she first purchased her Texas Medigap plan was to really shop around.  Unfortunately, when a person is turning 65 they get inundated with such a large amount of information about Medicare and Medicare insurance that many just block it all out and go with what they know.  They often stick with an insurance company with which they are familiar and purchase from them. Sticking with the familiar is often the easiest course of action. When you already feel confident in a company you can throw all that mail in the trash.  That is what this lady from Texas had done, until she became aware that she was paying too much for her insurance.
Source: theseniorgazette.com

Only 35 Days Left to Avoid Medicare eRx Penalties in 2013

Physicians who are electronic prescribing need to make sure they are using the correct electronic prescribing G-code (G8553) on their Medicare Part B claims. By reporting G8553, the physician is indicating that at least one prescription created during the patient encounter was generated and transmitted electronically using a qualified electronic prescribing system. Additionally, G8553 needs to be submitted with a line-item charge of $0.00 (a nominal amount such as $0.01 can be substituted if the physician’s billing system requires a charge). 
Source: shamrockpublications.com

Texas Medicare Supplement Plan G

Plan G is also available in a money saving Medicare Select option. Basically, if you’re looking to save on premiums, you can receive the same benefits as the standard Plan G but for a reduced premium.  By agreeing to use Medicare Select hospitals and doctors, your monthly payment is reduced. Need emergency care? No problem, with Medicare Select, you can get treatment at any hospital for no extra charge. Plus, you can still choose your own doctor. Remember, to be eligible for Medicare Select Plan G, you must live within 30 miles of a Medicare Select participating hospital.
Source: medicareinsurancetexas.com

New Regional Director Joins BioPlus Team

Tags: account, Accreditation, Accredited, ACHC, addition, Altamonte, Anthem, anthem blue cross, anthem blue cross and blue shield, Apria, apria healthcare, Attachments, bill cook, BioPlus, bioplus specialty pharmacy, bioplusrx, BioScrip, Blue, blue cross and blue shield, bridgeport ct, business, Cancer, care, CEU, CHAP, clinical expertise, college, com, Commission, community, company, contact, Copyright, Cross, degree, development, director, Education, education unit, Executive, experience, expertise, expertise experience, Health, healthcare, hepatitis, hepatitis c, hiring, Holdings, home, home settings, hospital, IgG, immunoglobulin, Inc, info, information, infusion, intravenous immunoglobulin, IVIG, Joins, July, Licensed, LLC, market, medicare, medicare part d, Meredith, nation, national specialty, Northeast, Northeastern, northeastern states, nurse, Nursing, Oncology, part, performer, Pharmacy, philosophy, phone, position, presenter, President, program, PRW, PRWEB, Publicity, Regional, Registered, registered nurse, ruppert, s college, Shield, specialty, Sprints, team, today, toll, Unit, URAC, vice, VIPPS, Vocus, way, Wire
Source: aviationpilotheadsets.com

Dave Fluker’s California Health Insurance BLOG: Medicare Part B Premium To Jump To $247 Per Month in 2014! (Hoax)

If you receive this information it is a hoax and urban legend that will likely continue to make the rounds at least through the 2012 Presidential election. I am sure there are some variations going around as well. I wanted to warn seniors in California (and other states) that there is no factual basis for this hoax and it is a political scare tactic with no truth. Snopes has a great explanation of this urban legend so I won’t replicate it here. Click on the link below to read an excellent summary:
Source: blogspot.com