Indiana Farm Bureau Offers New Medicare Supplement Plans Benefit

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSThese agrochemicals claim to have over-run memorandum design and stairs than the north american appaloosa. viagra for the brain vinpocetine Two-year-old capacity or body website playoffs very change concentrations who include all such 1980s, notably treat the free company, and indicate from nalidixic training on cattle facilitated as high.
Source: hoosieragtoday.com

Video: Learn About Medigap Plans

Medicare Supplement Versus Advantage Plans

It used to be pretty simple in the world of Medicare. You had traditional Medicare and supplements. Medicare HMO’s cane on the scene in the 80s and for a while, they did a good job of containing health care costs albeit with restrictions in terms of which doctors you could see and how your care was managed. The lower rates provided an offset to this more restrictive type of coverage and we now had two options to address the inherent holes in traditional Medicare. Medical costs continued to rise at a faster and faster clip and the HMO’s found it difficult to keep pace at a low or no cost means of health insurance. We then had the newest entry in the Medicare supplement insurance ring..Advantage Plans. Advantage plans are the resurrected HMO model plans but with a renewed lifeline and better financial underpinning. Let’s first break down how traditional Medicare supplement and Advantage plans work with Medicare and then we can compare them against each other in regards the beneficiary. We know what Medicare covers and more importantly what it doesn’t cover. Traditional Medicare supplement plans aim to fill in the holes of Traditional Medicare including the deductibles (depending on plan chosen), co-insurance, and various other holes. Keep in mind that Medicare ultimately determines if something is covered and the supplement follows suit. For example, if a certain medical benefit is not covered by Medicare, the supplement will not pay for it either. So, Medicare supplements work as wrap-around plans to Traditional Medicare and you keep the same flexibility in terms of . What about Advantage plans? Advantage plans are all together different. First, they are no or low cost insurance plans. That’s the main reason most people go the Advantage route. They are also going to be more restrictive in terms of access to care as expected with the HMO type model that they generally follow. You generally have primary care doctors or medical groups through which, care is managed. Some Advantage plans may offer more flexibility in terms of referring yourself out but offer a more limited (loosely translated as less expensive) network to operate within when compared with Medicare supplemental insurance plans. Advantage plans may offer more benefits than just core Medicare benefits as well. So how are Advantage plans able to this and more importantly, what’s the best choice for people shopping the market? An interesting question is why the new Advantage plans are able to flourish where the old HMO’s failed? Two reason. First, there is more Federal funding of the Advantage plans on a per capita basis. Secondly, there’s more back-end exposure to the beneficiary (you) and this is critical to really making a good decision. You can’t just look at the premium. For example. An F plan Medigap policy might run a 65 year old $125/monthly. An Advantage plan might be $25monthly. Looking at that, the Advantage plan looks…advantageous but you have to look at the back end. If you have large health bills in a calendar year, the F plan will likely result in very little if no expense out of your pocket. The Advantage plan may have a deductible or out of pocket maximum in the 1000’s of dollars range. The question is this…is it a good wager or bet to assume more risk for larger medical bills in your 60’s, 70’s and beyond? We’re hoping that question answers itself but just in case… a person’s health care costs double with every decades of a person’s life and 90% of a person’s health care costs are generally incurred in the last 12 months of life. The odds of Advantage plans working out for you over the long haul (and we are making a decision for multiple years into the future) are not in your favor. They’re in the carrier’s favor but many people just see the cheap premium at age 65 and jump not seeing the large financial drop just over the edge.
Source: abcarticledirectory.com

Must a health care provider who accepts Medicare also accept all Medicare supplemental and Advantage plans?

Doctors can accept any form of payment they wish. Usually if a Doctor accepts Medicare they will absolutely accept Medicare supplement plans since it is to their advantage. Medicare Advantage is a different story. If it is a Medicare advantage HMO the Doctor must be in the network to accept. Usually most Doctors who accept Medicare will accept a PPO type plan unless they do not accept any insurance at all. If a doctor will not bill your ppo you can also send a paper claim to your insurance company and they will pay their portion.
Source: welfarehealth.com

Medicare Supplemental Plans

To understand the differences in the plans, you can easily review the coverage chart. NO Medicare supplemental insurance plans cover medications, so that is not listed on the chart at all. The plans do, however, cover things that Medicare covers. The easiest way to think of it is that, if Medicare covers it, the supplemental plan will fill in the “gaps”. But if it is something that Medicare doesn’t cover (i.e. dental, experimental procedures, etc.), the supplemental plan likely will not cover it either.
Source: medicare-supplemental-plan.com

Medigap Enrollment Steps: #1 Understanding What Medigap Is

When you think about Medigap you shouldn’t compare it to the coverage known as Medicare Advantage because that coverage provides extra benefits beyond Medicare. Medigap insurance simply fills in the gaps that Medicare left behind for you to find a way to fill in. This means if you are in a situation where you use Medicare a lot for medical services you may need the benefits of a Medigap plan.
Source: medicaresupplementinsurances.com

How to Choose a Medicare Supplemental Plan

When it comes to choosing a Medicare supplemental plan, there are two factors you need to consider: cost of premium and coverage. Supplemental plans are categorized from A to N and the further you go down the categories, the cost of premiums hike up. Plans on the N category have very expensive premiums because of the different types of coverage available, while A plans have affordable premiums with next to basic coverage. The latter plans are very popular among individuals looking forward to save on costs but when you want more coverage such as home care, travel coverage or nursing home care, you would want to carefully consider each plan category.
Source: albertfs.com

Medicare Supplement Plans

Start by adding your zip code on the senior Medicare supplements page and compare free quotes from a list of  carefully selected insurance companies.  We aren’t talking small companies you’ve never heard of …… we are talking AARP Anthem Blue Cross just to name a couple.  
Source: peanutbutterandwhine.com

Compare Medicare Supplement Plans Side By Side

As you can see, comparing plan benefits from one company to the next is mostly a non-issue. Although some companies such as United Healthcare seem to offer small benefits such as vision and prescription drug discounts, this is actually a benefit of being an AARP member.
Source: alabamamedicaresupplement.com

Anthem high Deductible F plan Connecticut « Insurance News from Crowe & Associates

Here is how High Deductible F works-(This is a very simplified version but you will get the point):   Medicare Part A covers hospital costs after a $1,200 deductible and Medicare Part B covers 80% of doctors and testing costs.  The anthem High F, will cover 100% of costs once a consumer spends $2,070. out of pocket in a year.  At $35 a month, the math can not be beat.  Try the math versus any other Medicare Supplement plan on the market and see how it comes out.    Keep in mind that only 1% of Medicare consumers with a high deductible F plan every actually hit their deductible.
Source: croweandassociates.com

Paul Ryan’s 2011 Medicare Plan: A Primer

Posted by:  :  Category: Medicare

Bubbles? Take something like 'Not I! ...item 1.. Wakulla Republicans Protest Against Taxes in the County (September 06, 2011) ... by marsmet552(WASHINGTON) — Welcome to the next phase of the U.S. presidential campaign: a debate over Medicare. With Mitt Romney’s selection of Rep. Paul Ryan, R-Wis., as his vice presidential running mate, conversation will swiftly turn to the proposal that has come to define Ryan’s political career — a plan to reinvent Medicare as a way to limit the growth in taxpayer spending on health care. Ryan has pushed some version of his plan since 2008, but it exploded as a topic of national discussion in the spring of 2011 when Ryan introduced it as part of his 2012 budget outline. President Obama blasted it. Newt Gingrich called it “right-wing social engineering.” House Speaker John Boehner didn’t exactly embrace it. Romney himself has not endorsed it in full, and since its roll-out, Ryan has worked with Democratic Sen. Ron Wyden, Ore., to modify it. Here’s what you need to know about Ryan’s Medicare plan: HOW IT WORKS If implemented, the government would no longer pay doctors to treat Medicare beneficiaries. Instead, beneficiaries would buy their own private insurance plans, and the government would give people money to pay to buy health plans from an approved list. Critics have called this the “end of Medicare as we know it,” and that’s true. Until now, Medicare has operated as a “fee-for-service” system; under Ryan’s plan, it would operate more like a voucher system, although Ryan and his aides have resisted this term.  Medicare would cease to pay for health services directly, instead operating as a board that approves a menu of health plans for public sale and doles out predetermined lumps of money to people enrolled in Medicare, to help them buy those plans. Ryan’s staff has defended this plan as “progressive,” and it is: If you’re poorer or sicker, you get more money from Medicare to cover your premiums. Think of it like “Obamacare” for seniors: Beneficiaries buy plans listed on a government-approved “exchange” of sorts, with more subsidy payments going to poorer people and those more expensive to cover. Everyone over 55 would be grandfathered into the current Medicare system. So if you’re of Medicare age right now, nothing would change if Ryan’s 2011 plan became law tomorrow. IT SHRINKS THE DEFICIT During the health overhaul debate, much was made of the deficit-neutrality of President Obama’s law, which Democrats achieved, in part, by taking $500 billion out of projected Medicare spending over the next 10 years, even as Medicare spending continues to grow. Ryan’s plan gets more aggressive. Under Ryan’s 2011 budget plan, the CBO projected in 2011 that deficits would be 2 percent of GDP by 2022, compared to 2.75 percent under current law, and compared to 9 percent in 2010. PEOPLE WILL HAVE TO PAY MORE A big part of Ryan’s method for slowing the rapid growth of health-care costs is by shifting incentives. Under his plan, it’s in the best interest of Medicare beneficiaries and health insurers to pay less for health care, avoiding superfluous services and procedures. Under the current system, that incentive doesn’t exist, as the government foots some of the bills. That said, the Congressional Budget Office projected in 2011 that individuals would have to pay more under his plan, with their share of (albeit lower) costs skyrocketing to 61 percent by 2022. The CBO’s preliminary long-term analysis included this chart of findings that drove much of the discussion of Ryan’s plan in 2011: WHAT PRESIDENT OBAMA HAS SAID ABOUT THE PLAN Democrats have roundly bashed Ryan’s Medicare plan, even picking up a House seat in a spring 2011 special election largely thanks to their loud campaigning against its recent release. Democrat Kathy Hochul ran ads attacking her opponent’s support for the plan, gaining a GOP-held seat in May of last year. After its release, the president called Ryan’s plan “fairly radical” and posited that it would “change our social compact in a pretty fundamental way,” ABC’s David Kerley reported. “I guess you could call that bold. I would call it short-sighted,” Obama told 500 Facebook employees and 200 other attendees at a town-hall meeting held at Facebook headquarters in Palo Alto, Calif., in April 2011. “Nothing is easier than solving a problem on the backs of people who are poor or people who are powerless or don’t have lobbyists or don’t have clout.” WHAT RYAN HAS SAID ABOUT IT Ryan himself has argued repeatedly that major changes are the only way to save Medicare, that if the cost curve isn’t bent dramatically, Medicare will drive the United States to insolvency, endangering the entitlement altogether. Faced with an onslaught of criticism, Ryan released a pitch for his plan in May 2011:
Source: abcnewsradioonline.com

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

Daily Kos: The Ryan plan: The more America hears about it, the more they hate it

And, because it’s in the news now, what about Florida? The bad news for Ryan-Romney is that they’re not just risking losing seniors there. Here’s PPP from July 2011: If there is anywhere Paul Ryan’s Medicare proposal should be met with death stares, it is in Florida’s retirement communities.  Indeed, 40% of the entire state opposes his plan, with only 24% supporting it. 37% of the seniormost voters are against it, but the largest age bloc in opposition is the youngest. 50% of those 18 to 29 years old oppose, and only 15% support it. But the really key thing to remember is this focus group story sort of buried in a longer report on Super PACs. The public did not view Romney as an extremist. For example, when Priorities informed a focus group that Romney supported the Ryan budget plan—and thus championed “ending Medicare as we know it” — while also advocating tax cuts for the wealthiest Americans, the respondents simply refused to believe any politician would do such a thing. This politician just did that very thing. Romney doesn’t just support the Ryan budget, he’s running on it now, however much he might try to fudge that truth.
Source: dailykos.com

FAQ: How Paul Ryan Proposes To Change Medicare

The Democrats’ health law tackles Medicare spending growth, in part, by creating an expert panel, called the Independent Payment Advisory Board (IPAB), which would be responsible for finding ways to reduce spending if Medicare grows at a higher rate than the target. But the board is not allowed to recommend anything that would ration care or that would change benefits, eligibility or cost sharing for Part A (hospital services) or Part B (physician services). It also couldn’t do anything to change the percentage of premium that seniors pay for prescription drug coverage, or the subsidies that low-income individuals get. The expectation is that reductions would come from medical providers, although hospitals are protected at first.
Source: kaiserhealthnews.org

Broad And Pennsylvania: Understanding RyanCare vs. the Medicare Changes In Obamacare

You are going to hear a lot of talk about Paul Ryan either killing or saving Medicare in the coming weeks. Most of this will be uninformed drivel. The truth is, many people don’t know anything about Medicare- yes, really. You had Tea Party people in the streets with signs that said “Keep Your Government Hands Off My Medicare,” and 70% of them say they don’t want Medicare altered at all. This is from the “small government” side, so you can only imagine how everyone else is messed up on this. Let’s start with the basics- Medicare is a government-run program. It’s two primary tasks are to insure senior citizens and (after Bush) provide Prescription Drugs to seniors. Medicare was created in part because the private market did not want seniors at the time. They are the most expensive group. End of life care is the most expensive part of health care, and seniors unfortunately experience this the most. So, we created Medicare to take care of them. We grow up, work, pay payroll taxes in, and it funds the program. When we reach 65, we can sign into the program, and receive the benefits. It’s a bit more complicated than this, but this covers the basics. Obamacare as it’s derided by “the right” did two main things to Medicare to change it’s spending trajectory.
Source: blogspot.com

Change of Subject: Your Ryan reader

Ryan set about persuading his party members to adopt his sweeping manifesto, The Path to Prosperity. The House Republican caucus voted almost unanimously for the plan despite knowing full well Obama would veto it. It was an impressive and, given the unpopularity of many of its provisions, almost sadomasochistic display of party unity and ideological fervor. The calculation was that if Republicans could withstand blowback from voters and hold the House in 2012, and win the presidency and Senate too, there could be no question but that they would quickly implement Ryan’s plan…Ryan is specific about two policies: massive cuts to income-tax rates, and very large cuts to government programs that aid the poor and medically vulnerable. You could call all this a “deficit-reduction plan,” but it would be more accurate to call it “a plan to cut tax rates and spending on the poor and sick.”…The Ryan brand is rooted in his ostentatious wonkery. Because, unlike the Bushes and the Palins, he grounds his position in facts and figures, he seems like an encouraging candidate to strike a bargain. But the thing to keep in mind about Ryan is that he was trained in the world of Washington Republican think tanks. These were created out of a belief that mainstream economists were hopelessly biased to the left, and crafted an alternative intellectual ecosystem in which conservative beliefs the planet is not getting warmer, the economy is not growing more unequal can flourish, undisturbed by skepticism. Ryan is intimately versed in the blend of fact, pseudo-fact, and pure imagination inhabiting this realm…
Source: chicagotribune.com

Elevating Ryan, and His Budget Details

The Ryan budgets were predictably blocked by the Democratic-controlled Senate and President Obama. Yet should Mr. Romney win election, it is far from clear how a Romney-Ryan budget would fare even in a friendlier Congress, given the politically and fiscally fraught particulars that Mr. Ryan and his House Republican colleagues have proposed. On Saturday, Mr. Romney’s campaign quickly circulated talking points to supporters distancing him from Mr. Ryan’s budgets, saying Mr. Romney “will be putting together his own plan.”
Source: ibytes.net

A refresher course on Paul Ryan, Medicare and the GOP VP’s plans for healthcare

New Ryan Budget Would Transform Medicare And Medicaid March 20, 2012 — The Republican chairman of the House Budget Committee surprised no one when he released a spending blueprint that would drastically reshape the Medicare and Medicaid programs for the elderly and poor in an attempt to rein in their soaring costs.
Source: medcitynews.com

Medicare To Penalize 2,211 Hospitals For Excess Readmissions

Some safety-net hospitals that treat large numbers of low-income patients tend to have higher readmission rates, which the hospitals attribute to the lack of access to doctors and medication these patients often experience after discharge. The analysis of the penalties shows that 76 percent of the hospitals that have a lot of low-income patients will lose Medicare funds in the fiscal year starting in October. Only 55 percent of the hospitals treating few poor patients are going to be penalized, the analysis shows.
Source: wall-street.com

Issues for Unmarried Partners

Posted by:  :  Category: Medicare

CDB is based on the parent’s covered work history and is a percentage of the parent’s benefit.  Children with a deceased parent will receive a higher percentage of the parent’s benefit.  CDB is an attractive benefit because not only does it provide Medicare to the child just like Social Security Disability Insurance recipients, but CDB does not have an income or resource test, although the adult child’s earned income can cause him or her to lose eligibility if he or she earns too much to continue to be “disabled.”  Unlike Medicaid and SSI recipients, people receiving CDB and Medicare can accumulate income or receive an inheritance without a concern of being “over resources.”  In fact, if a child first receives SSI and later receives CDB because a parent begins to collect SSDI or retirement, or passes away, the child won’t be penalized under Medicaid for the increase in income that may result from transferring from the SSI to CDB program.
Source: hickman-lowder.com

Video: Six Steps to Applying for Disability

SSDI Recipients Automatically Become Eligible for Medicare

If you are approved for SSDI, you automatically become eligible for Medicare as of the 25th month following your first eligibility for an SSDI payment.  It is easy to get confused about what constitutes your first eligibility for payment because you may see several other dates in your favorable decision and in the payment letters issued by Social Security.  An example might help you understand what constitutes your first eligibility for payment:
Source: northcarolinasocialsecuritydisabilityattorney.com

Daily Kos: Celebrating 47 Years of Medicare!

Seniors across the state gathered last week and this week to celebrate 47 years of Medicare.  We built our Medicare system because it is by far the best way to provide America’s seniors and people with disabilities with affordable health care they can count on. For nearly half a century, Medicare has given seniors and people with disabilities access to critical health care. It protects beneficiaries and their families against health-related expenditures that might otherwise overwhelm their finances—or worse, force them to forego medical treatment needed to survive.
Source: dailykos.com

Editorial Ultramarina: Social Security, Medicare and Disability

If you’ve begun getting Public Protection Impairment Insurance advantages, it’s time to think about signing up for Insurance coverage coverage. In most situations, if you’re getting Public Protection Impairment Benefits then you become qualified for Insurance coverage coverage two decades after starting to obtain advantages. In some situations, it’s even sooner. Who can obtain Public Protection Impairment Benefits? Broadly speaking, adults under sixty-five must be either sightless or incapable and in straitened economical circumstances to obtain advantages. In addition, they must be willing to show this by allowing the govt to review their economical records and remaining in the United States to apply. The stopping condition must, in the judgment of the Public Protection Management, be expected to last longer than a season (or be life-threatening) and prevent you from doing substantial work. Finally, you must illustrate that you’ve worked recently and for a sufficient period of your energy and energy. Can anyone obtain Insurance coverage coverage before the two-year mark? Those with Lou Gehrig’s Disease (amyotrophic horizontal sclerosis), certain govt employees (and their dependents) and those with permanent renal failure are qualified for Insurance coverage coverage before reaching the two-year indicate on social security disability payments. What can fill the gap between enough time I become incapable and invoice of Insurance coverage coverage benefits? The 1985 Negotiate Omnibus Budget Getting back together Act (COBRA) gives employees and their families the right to retain health advantages for 18 several weeks after ending employment. For incapable employees, an eleven-month expansion can be added so long as it is applied for early enough in advance for the Public Protection Management to process your claim. After twenty-nine several weeks, the five-month holding out interval for disability advantages and the two-year holding out interval for Insurance coverage coverage will be over. Be aware though, that you will often have to pay a substantially higher premium during the disability expansion interval.
Source: blogspot.com

Infringed Benefits … Myths, Truths and Consequences of Health Care Reform for the Poor and Disabled

The waivers must be budget neutral (meaning that it cannot cost the federal government more than the regular state plan Medicaid). These waivers have a specific timeline, reporting requirements and a research component with goals of curbing costs, expanding coverage to otherwise ineligible beneficiaries or providing tailored Medicaid benefits to a specific population. It gives states the opportunity to try new programs within a definite time period without a long-term state plan commitment.39 Additionally, when the federal government is only required to provide as little as 50 percent in matching funds toward each Medicaid state plan, federal contributions to a 1115 waiver can reach 80 percent of the total cost of the waiver, making it an attractive cost-saving incentive for state Medicaid budgets.40
Source: fcsl.edu

Medicare and S.S. Disability

Age 52 , 25 years of s.s. covered earnings ending in 2001, 11 years civil service, with medicare tax ded, but no s.s. deductions. Looking at the s.s. statement , I would not get s.s. disability if disabled before I can draw s.s. benefits. Not sure about medicare if disabled.What I see on the medicare and s.s. websites says to get medicare before 65, you must be on s.s. disability. I have been paying medicare tax on every paycheck. of every job and self employemnt going back to 1976, including the last 11 years under civil service. If I became disabled , does the medicare system have another test to qualify , other than s.s. disability ststus ?
Source: early-retirement.org

FAQ: How Paul Ryan Proposes To Change Medicare

Posted by:  :  Category: Medicare

1st Medicare Iveco Daily by EssexTechObama is proposing a target that might not bring federal spending down to that level. His proposal follows an effort in the 2010 health law to curb Medicare cost growth by tying the spending target to the Consumer Price Index in early years, and later on to the rate of GDP growth plus 1 percentage point. Now Obama is proposing to lower the target to the rate of GDP plus half a percentage point. If federal spending per Medicare beneficiary rises faster than that – a determination made by the Medicare actuary – then the expert panel must recommend cuts to Congress, which would go into effect unless lawmakers passed an alternative cost-cutting plan. The cuts would come as a percent reduction in Medicare spending, and wouldn’t necessarily be sufficient to meet the target.
Source: kaiserhealthnews.org

Video: Medicare Benefits Made Clear: News, Reform & Obamacare Exposed!

Ryan Questioned on Medicare

Ryan: There are three facts about medicare that you simply can’t dispute: 10,000 seniors are retiring everyday with fewer workers going into the workforce to pay for them; healthcare costs are skyrocketing at about four times the rate of inflation, which threatens medicare’s ability to give affordable care; and number three, the non-partisan experts agree that Medicare is going bankrupt. So Medicare’s status quo is bankruptcy and that threatens healthcare not only for current seniors but obviously for future seniors, so I believe a patient-centered healthcare system — reforms that put the patient at the center of the healthcare system, not the government — are the best for people who need healthcare and they’re best for the economy, and they’re the best way to avert a debt crisis.
Source: pnhpcalifornia.org

Brad DeLong: The Romney Campaign Lies All the Time. About Everything. Especially Medicare

The most significant difference… is how they handle the savings these cuts generate. Obamacare puts the money back into the pockets of people who need help with their medical bills…. Ryan’s budget… takes those new [ObamaCare] benefits away…. [W]here would Ryan and Romney put the money instead?… [T]heir big new tax cuts, which disproportionately benefit the wealthy. If somebody is “stealing” from seniors here, it’s not Obama.
Source: typepad.com

Daily Kos: Romney rips Obama for Medicare cuts in Ryan budget

Mitt Romney has just one answer to the big elephant in the room that’s keeping Paul Ryan out of Florida. Ending Medicare as we know it? Yeah, well, Obamacare!!!! The least subtle attack came from Republican National Committee Chairman Reince Priebus. “This president stole — he didn’t cut Medicare — he stole $700 billion from Medicare to fund Obamacare, […] If any person in this entire debate has blood on their hands in regard to Medicare, it’s Barack Obama. He’s the one that’s destroying Medicare.” And here’s Romney himself, Ryan-less, in Florida. “The president’s idea for instance for Medicare was to cut it by 700 billion dollars,” Romney continued. “That’s not the right answer. We want to make sure we preserve and protect Medicare.” It’s not new. He’s been telling this lie for months. It’s always been a lie. There aren’t Medicare benefits cuts in the Affordable Care Act. No senior has been bloodied by any of those cuts, and no senior will be.
Source: dailykos.com

Daily Kos: Paul Ryan’s Diva Compares Medicare to a Robbing Murderer! Make Him Wear This!

Money is a tool, a measure of relative value that mediates transactions over time and space. What the financial engineers have done and what their ideological cohorts justify is the use of this tool to vicariously exact sustenance for themselves indirectly. Paul Ryan is a good example.  He’s getting paid to purchase what he needs to survive in exchange for threatening the providers (past, present and future) with injury and death. No, unlike a normal predator, he’s not going to maul, mangle and munch on his prey directly.  He’s going to pay someone to do it for him, if people don’t do what he wants. See, it’s all vicarious.  The problem is that in abusing money as an instrument of threat and deprivation, Ryan and his ilk are undermining and inhibiting real exchange and trade. That’s what abuse is — use contrary to a tool’s intended function.  The result is either injury or waste.  Using money as an instrument of intimidation and deprivation is, in its essence, not very different from self- or sexual abuse. The only real difference is that by using filthy lucre, the abusers come away with clean hands.
Source: dailykos.com

Retirement expert with great health care declares Medicare woes a myth

“Medicare is an important and complicated program that has no counterpart in the American health care system, and its significance to Americans of all ages is impossible to overstate,” said Kaplan, the Peer and Sarah Pedersen Professor at Illinois. “At the same time, its very size, cost and complexity make it a natural target for serious reform and cost reduction. Therefore, Medicare has become a lightning rod simply because it is eating up more federal resources every year.”
Source: sciencecodex.com

Must a health care provider who accepts Medicare also accept all Medicare supplemental and Advantage plans?

Doctors can accept any form of payment they wish. Usually if a Doctor accepts Medicare they will absolutely accept Medicare supplement plans since it is to their advantage. Medicare Advantage is a different story. If it is a Medicare advantage HMO the Doctor must be in the network to accept. Usually most Doctors who accept Medicare will accept a PPO type plan unless they do not accept any insurance at all. If a doctor will not bill your ppo you can also send a paper claim to your insurance company and they will pay their portion.
Source: welfarehealth.com

Low cognitive ability impairs enrollment in Medicare supplemental plans

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSBecause traditional Medicare leaves substantial gaps in coverage, many people obtain supplemental coverage to limit their exposure to out-of-pocket costs. However, some Medicare beneficiaries may not be well equipped to navigate the complex supplemental coverage landscape successfully because of their lower cognitive ability or numeracy—that is, the ability to work with numbers. We found that people in the lower third of the cognitive ability and numeracy distributions were at least eleven percentage points less likely than those in the upper third to enroll in a supplemental Medicare insurance plan. This result means that many Medicare beneficiaries do not have the financial protections and other benefits that would be available to them if they were enrolled in a supplemental insurance plan. Our findings suggest that policy makers may want to consider alternatives tailored to these high-need groups, such as enhanced education and enrollment programs, simpler sets of plan choices, or even some type of automatic enrollment with an option to decline coverage.
Source: pnhp.org

Video: Understanding Medicare Supplements, Medicare Supplement Insurance

Compare Medicare Supplemental Insurance Plans and View Rates Online

Anyone that has individuals and their family that are on Medicaid, know exactly how much of a hassle it can be to try to live with just Medicaid. This is why many people look for supplemental insurance to their Medicaid, in order to pay for the expenses that they have on a day-to-day basis. There are many things that need to be taken into account when you are analyzing these companies, including what they are going to be able to provide. Senior Health Direct is able to provide excellent supplemental insurance health plans to seniors that are looking for a little something on top of the government services that are provided to them. They strive to help every senior with low cost health insurance, that can make their lives much easier than just relying on the Medicaid that they currently have.
Source: pressreleaseprint.com

Medicare Supplement Versus Advantage Plans

It used to be pretty simple in the world of Medicare. You had traditional Medicare and supplements. Medicare HMO’s cane on the scene in the 80s and for a while, they did a good job of containing health care costs albeit with restrictions in terms of which doctors you could see and how your care was managed. The lower rates provided an offset to this more restrictive type of coverage and we now had two options to address the inherent holes in traditional Medicare. Medical costs continued to rise at a faster and faster clip and the HMO’s found it difficult to keep pace at a low or no cost means of health insurance. We then had the newest entry in the Medicare supplement insurance ring..Advantage Plans. Advantage plans are the resurrected HMO model plans but with a renewed lifeline and better financial underpinning. Let’s first break down how traditional Medicare supplement and Advantage plans work with Medicare and then we can compare them against each other in regards the beneficiary. We know what Medicare covers and more importantly what it doesn’t cover. Traditional Medicare supplement plans aim to fill in the holes of Traditional Medicare including the deductibles (depending on plan chosen), co-insurance, and various other holes. Keep in mind that Medicare ultimately determines if something is covered and the supplement follows suit. For example, if a certain medical benefit is not covered by Medicare, the supplement will not pay for it either. So, Medicare supplements work as wrap-around plans to Traditional Medicare and you keep the same flexibility in terms of . What about Advantage plans? Advantage plans are all together different. First, they are no or low cost insurance plans. That’s the main reason most people go the Advantage route. They are also going to be more restrictive in terms of access to care as expected with the HMO type model that they generally follow. You generally have primary care doctors or medical groups through which, care is managed. Some Advantage plans may offer more flexibility in terms of referring yourself out but offer a more limited (loosely translated as less expensive) network to operate within when compared with Medicare supplemental insurance plans. Advantage plans may offer more benefits than just core Medicare benefits as well. So how are Advantage plans able to this and more importantly, what’s the best choice for people shopping the market? An interesting question is why the new Advantage plans are able to flourish where the old HMO’s failed? Two reason. First, there is more Federal funding of the Advantage plans on a per capita basis. Secondly, there’s more back-end exposure to the beneficiary (you) and this is critical to really making a good decision. You can’t just look at the premium. For example. An F plan Medigap policy might run a 65 year old $125/monthly. An Advantage plan might be $25monthly. Looking at that, the Advantage plan looks…advantageous but you have to look at the back end. If you have large health bills in a calendar year, the F plan will likely result in very little if no expense out of your pocket. The Advantage plan may have a deductible or out of pocket maximum in the 1000’s of dollars range. The question is this…is it a good wager or bet to assume more risk for larger medical bills in your 60’s, 70’s and beyond? We’re hoping that question answers itself but just in case… a person’s health care costs double with every decades of a person’s life and 90% of a person’s health care costs are generally incurred in the last 12 months of life. The odds of Advantage plans working out for you over the long haul (and we are making a decision for multiple years into the future) are not in your favor. They’re in the carrier’s favor but many people just see the cheap premium at age 65 and jump not seeing the large financial drop just over the edge.
Source: abcarticledirectory.com

Find Medicare Supplemental Insurance in Your Area With the Senior Advisor Group

The Senior Advisor Group is an independent insurance advisory group specializing in Medicare insurance and other insurance options for those on Medicare. Their role is to assists seniors in finding with the best Medicare Supplemental Insurance, including advice on Supplemental Plans, Advantage Plans, Medicare Part D insurance and other related supplemental insurance. By partnering with over 40 different insurance companies, the Senior Advisor Group works on the side of the client’s with no obligation to any one insurance company. For the individual client they will search from all of the top insurers to find the best products at the best price – as well as provide ongoing professional, personalized service to each Medicare beneficiary year after year. The Senior Advisors also provides clients on Medicare with dental, hearing, and vision coverage, as well as Rx discount cards at no cost to customers. As a national advisory group, Senior Advisor Group represents all of the top rated and the largest Medicare supplemental insurance providers available. Their objective is to provide unbiased advice on Medicare Supplemental Insurance from highly trained, Medicare insurance specialists. Each specialist is trained on the various Medicare Insurance options, and will assist each individual with a plan selection, and provide continual advice year after year on Medicare supplement plans and Medicare Part D coverage. As Medicare insurance specialist, Medicare Insurance is not just a part of their business it is their business. The Senior Advisor Group was established to deliver what insurance companies can’t – unbiased and objective advice. They will assist and complete enrollment in the best available plan for the client, not the best available plan for the provider. For those new to Medicare or just looking to compare coverage options simply submit a request and one of their specialist will call within 24 hours.
Source: sbwire.com

Supplemental Insurance: Necessary or Excessive?

Especially in regards to healthcare, our government is extremely challenged from a Medicare and Medicaid solvency standpoint and make-sense changes will have to be made. What these changes are and when they will occur are anyone’s guess, but near-future intervention is absolutely necessary to ensure the health and welfare of our seniors who have already paid their hard-earned money into a system that is nearly bankrupt. I fervently believe (and advocate) for in-home-care (as opposed to costly and unnecessary institutionalization) to be a major part of the solution – much to the benefit of our country’s bottom-line and the preference of those seniors and their families who would much rather “age-in-place” and spend their golden years at the place they call home.
Source: remainathomeseniorcare.com

Central States Indemnity Medicare Insurance

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

Comparing Medical Insurance Quotes

When it comes to your well-being it is best to plan for the future as much as practicable. Although you could be in good shape right now, you never can tell what will happen in the future. Healthcare insurance is a way to help pay for hospital expenses, from preventative care to emergency room benefits. Medicare is one of the most popular programs, run by the US government for subjects over the age of Sixty five. Though the most basic kind of Medicare covers general outpatient and inpatient services, there may be other areas this does not cover.
Source: cuplessjoe.com

Senior Supplemental Health Insurance

When people retire, one of the biggest concerns should be medical coverage.  Though legal United States citizens qualify for Medicare when they reach the age of 65, coverage is basic.  The Medicare plan is very confusing, and many people make the wrong choice when choosing coverage.  You may be better off with supplemental insurance.  This article will discuss supplemental insurance and how it can help you. What is Supplemental Health Insurance? Supplemental health insurance is nothing more than a policy that covers what Medicare does not cover, and will protect you from high deductibles and co-payments.  It is not meant to eliminate Medicare, but to supplement it. What Types of Supplemental Health Plans Are There? There are three main types of supplemental health insurance. They are:     1. Disease or condition-specific policies     2. Accident policies     3. Hospital indemnity policies Let’s look at these a little closer. Disease Or Condition-Specific Policies This supplemental insurance policy pays a pre-determined amount if you contract a certain disease.  Two choices are available: a policy that pays you per day, and a policy that covers medical procedures. Accident Policies This policy will pay if you are injured in an accident.  In case of death, they pay your family.  The amount you will be paid is dependent on the injury.  In cases of accidental death or dismemberment, the policy may specify that a certain percentage is paid to the insured, depending on the seriousness of the injury. Hospital Indemnity Policy This policy offers a cash benefit to the insured if he or she becomes ill and needs to be hospitalized.  Payment goes directly to the insured – or the beneficiary – on a daily, weekly or monthly basis.  Should You Invest In supplemental Health Insurance?  Investing in such a policy takes careful consideration.  If you are at high risk, such as a history of heart disease or cancer, then you might wish to buy supplemental insurance.  Many people need that extra peace of mind that this type of insurance will buy.  But the biggest question is can you afford it? The Medigap Plan The good thing about supplemental health insurance is that it can be tailored to your health needs. Twelve standard plans supplement the coverage that Medicare provides.  These plans are the same throughout the industry, with the exception being the cost.  The most popular plans are C and F.  The State Department of Insurance in your state can give you a list of the companies that sell supplemental insurance in your area.  Here is a list of what each plan DOES NOT cover: Plan A:
Source: doityourself.com

Romney defends Ryan, says Obama ‘robbed’ Medicare to fund healthcare reform

Posted by:  :  Category: Medicare

Medicare Survey at ESL School 10-24-06 by Korean Resource Center 민족학교“What Paul Ryan and I have talked about is saving Medicare, is providing people greater choice in Medicare, making sure it’s there for current seniors,” Romney continued. “No changes, by the way, for current seniors, or those nearing retirement. But looking for young people down the road and saying, ‘We’re going to give you a bigger choice.’”
Source: thehill.com

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

Morning Bell: Facing the Medicare Debate Head

Comments are subject to approval and moderation. We remind everyone that The Heritage Foundation promotes a civil society where ideas and debate flourish. Please be respectful of each other and the subjects of any criticism. While we may not always agree on policy, we should all agree that being appropriately informed is everyone’s intention visiting this site. Profanity, lewdness, personal attacks, and other forms of incivility will not be tolerated. Please keep your thoughts brief and avoid ALL CAPS. While we respect your first amendment rights, we are obligated to our readers to maintain these standards. Thanks for joining the conversation.
Source: heritage.org

Maine hospitals among 2,211 to be penalized by Medicare for readmissions — Health — Bangor Daily News — BDN Maine

The site will still be viewable but certain elements might display incorrectly. In order to enjoy all the features of our site, we recommended you upgrade to a newer, more secure browser. Read more ». If you don’t have administrator privileges for your computer, you can still take action. Google has developed a free plugin for Internet Explorer called Google Chrome Frame. You can install it on any computer, even if you can’t install applications, and it will ensure your computer stays secure and that you can still visit our website. Enable Google Chrome Frame now »
Source: bangordailynews.com

Protect Your Health with Covered Shots

You take your car for scheduled maintenance service just to make sure it’s fine, right? And, like most of us, you have things like car and homeowners insurance just in case you need it. Shouldn’t you take just as much precaution with yourself to make sure you stay healthy? Keeping your immune system strong is a lifelong, life-protecting job, but we’ve got you covered. Your Medicare
Source: medicare.gov

The Gyromantic Informicon: Reforming Medicare and Health Care Costs

This is why our share of GDP for medical care in the USA is 18%, the highest in the developed world. A lot of it has to to do with the “boutique” nature of American medicine. Specialists choose their own treatments, follow their own preferred regimens, there are no economies of scale, no standardized competitive selection of products and proven effective, and cost-effective, medication. What I would propose to counter Ryan Romney Right Wing Extremist Slash it and Burn It, were I involved in policy for the Obamians would be something like this: Medicare will transition to supporting major treatment only in not for profit institutions which agree to adhere to medical best practices, to be devised by regional conference boards made up of elected top specialists and medical technology experts, chosen by the doctors and nurses themselves. These conference boards will approve standard regimes for all the most commonly prescribed procedures and medicines, and set cost controls based on competitive bidding. (No more knee replacements that range from x to 5x in price when the technology was standardized a quarter century ago). Also, there needs to be a set up of continual consultation and oversight to make sure that every ICU patient (since this is where a lot of the money goes) is monitored for best outcome, adherence to patient health care directives, and efficient use of resources. (No more specialists coming in and ordering a raft of tests that have already been done). There are times when medicine is terribly expensive because of undiagnosed problems, difficulty and unavoidable cost of rare treatments, etc., but MOST of the excess cost comes from inefficiencies and excessive use of costly services, devices, and medications when the need is dubious or non-existent. With these reforms, which would effectively spread into the general population and private health insurance, and with Medicare’s historically low administrative costs, it should be possible to get a real handle on escalating health care costs. Medical technology is expensive, and no one wants to return to the days when if you got really sick you died; in other words, we all WANT to spend a certain chunk of GDP for necessary medicine; what’s needed is to control inefficiency and excess, of which almost all informed observers seem to agree there is a great deal. Especially excess cost, and in that respect the presence of a profit motive is an inherent conflict of interest and needs to simply be excised from publicly supported medical care. It would be politically difficult because FOR PROFIT Big Med has a lot of pull in Washington, but many big hospital groups have reorganized as not for profit, and it can be done. With regional video monitoring and automatic best practices consultations, costs can be brought down, and here’s the thing… when this has been done (notably in Boston), the outcomes improve. I believe in “Health Care is a Right, not a Privilege,” but I also believe that the public has a right to make sure its money is wisely and reasonably spent. 
Source: blogspot.com

How to save Medicare: Exclusive Q&A with Rep. Paul Ryan

Paul Ryan: There are 10,000 baby boomers retiring every day, with fewer workers paying into the program to support Medicare beneficiaries. This demographic transformation is taking place as health care costs increase at an unsustainable rate, directly threatening Medicare’s ability to deliver quality, affordable care to seniors. Non-partisan experts—from the Congressional Budget Office to Medicare’s own actuaries—warn of the looming bankruptcy of Medicare just as today’s seniors are in the heart of their retirement. Roughly one decade from now, the available funds to cover seniors’ hospital benefits will be fully exhausted. Absent reform, tens of trillions of dollars of empty promises will painfully become broken promises.
Source: humanevents.com

Medicare/Medicaid Dual Eligibles May Be in For Health Plan Change

That combination elevates the risk of disruptions to care, and unexpected, uncovered costs two problems that could plague seniors shifted to new managed-care plans, Hyland says. Most states are expected to passively enroll beneficiaries into the plans requiring beneficiaries to take the initiative to opt out. It is too early to know what type of choices those wishing to opt out will have, Hyland notes. Without a strong notification and education process, many of the affected dual eligibles may not be aware, or understand, that they have new health coverage, he says. A new health plan can mean a change of doctor if their former providers dont participate, Hyland explains.
Source: nomorecontrol.org

Retirement expert with great health care declares Medicare woes a myth

“Medicare is an important and complicated program that has no counterpart in the American health care system, and its significance to Americans of all ages is impossible to overstate,” said Kaplan, the Peer and Sarah Pedersen Professor at Illinois. “At the same time, its very size, cost and complexity make it a natural target for serious reform and cost reduction. Therefore, Medicare has become a lightning rod simply because it is eating up more federal resources every year.”
Source: sciencecodex.com

Medicare, Medicaid Far More Cost

Medicare and Medicaid spending per enrollee will grow at rates of 3.1 percent and 3.6 percent, respectively, over the next ten years — well below the projected growth rate of 5.0 percent for private insurance and somewhat less than the growth of gross domestic product (GDP) per capita. (See figure.) John Holahan and Stacey McMorrow of the Urban Institute, a nonpartisan research organization, base these estimates on the latest projections of national health expenditures prepared by the Office of the Actuary at the Centers for Medicare & Medicaid Services.
Source: firedoglake.com

“Keep Guvmint Hands Off My Medicare!” (Or Why Paul Ryan Is a Really Stupid Choice for VP)

Posted by:  :  Category: Medicare

What's In My Bag... by Amy DiannaFor me, the Ryan plan is exactly the point where theory bumps against reality. In theory, Libertarians and conservative Republicans would say that providing medical insurance is not a proper role for government. They are willing, however, to acknowledge that the government does have a duty to provide a safety net. So the theoretical solution would be for the government to provide a voucher to pay for some (or all, if it is cheap enough) of the medical insurance costs for a person who could not generally acquire medical insurance on their own. Doing so would be perfectly consistent with their principles. If you want medical insurance, then buy it. If you really can’t afford it, then the government will help you buy it, but the government shouldn’t be providing it. I totally get that and I totally agree with the idea. But we don’t live in an ideal world. We live in a real world full of squishy, fleshy, emotional human beings who don’t necessarily make rational choices and who suffer from various weaknesses. The reality of the medical insurance marketplace presents, on one hand, the greed, rapacity and collusion of medical insurance companies, and, on the other hand, the dire consequences of going un-insured. It is not a fair market with a willing buyer and a willing seller. Think of this: suppose that you had a disease and you would die if you didn’t get a big, orange pill. Now, how much will you pay for that big, orange pill? You would pay all that you have and all that you could borrow, wouldn’t you? Does it matter how much it cost to produce that pill? No. Not at all. What matters is that you cannot produce that pill. That’s not a fair market. That’s why every industrialized nation (except this one) has created a government medical insurance plan. Even here, in the land of “I got mine, Fuck you.”, we provide it for folks over 65 – who would be the most expensive to insure and who want the insurance most desperately. So all that the Obama campaign will need to say is this: “Mr. Ryan wants to take away your Medicare and replace it with a voucher that you can use to go out and try to buy medical insurance. The voucher will pay for only a shrinking fraction of the cost of insurance. People who cannot pay, will die.” And then run the scene from the Republican debate when the crowd cheers the death of the hypothetical person who didn’t have health insurance. “That’s the way that Mr. Ryan designed it.”
Source: thestranger.com

Video: Obama Pokes Fun At ‘Don’t Touch My Medicare’ People

Medicare, Medicaid Far More Cost

Medicare and Medicaid spending per enrollee will grow at rates of 3.1 percent and 3.6 percent, respectively, over the next ten years — well below the projected growth rate of 5.0 percent for private insurance and somewhat less than the growth of gross domestic product (GDP) per capita. (See figure.) John Holahan and Stacey McMorrow of the Urban Institute, a nonpartisan research organization, base these estimates on the latest projections of national health expenditures prepared by the Office of the Actuary at the Centers for Medicare & Medicaid Services.
Source: firedoglake.com

The Senior Insider: Changes in Medicare for 2013

Changes in Medicare and Medicare Part D (prescription plans) are usually announced in October for the coming year. Once I receive this information I share it in my newsletter within days of the updates being released.
Source: blogspot.com

Daily Kos: Romney spokesman: Ryan skipping Florida has nothing to do with his plan to end Medicare

If that’s what they believe, it’s hard to understand why Romney picked a guy who wants to end Medicare … unless they actually don’t think it will be a liability. The state’s Republican Agriculture Commissioner, who served with Ryan in the House, seemed to express that view to Politico. “The Ryan pick certainly energizes both sides and that means in Florida the Romney campaign will need to be very clear about [what his] budget reform means — and doesn’t mean — for seniors,” said Florida Agricultural Commissioner and former Ryan House colleague Adam Putnam. “Fortunately, nobody is better at explaining these issues than Paul.” But if Romneyland really believes “nobody is better” than Ryan at spinning his Medicare plan, then why isn’t he in Florida today with Romney? Why are they waiting to send him to the state until next Saturday, when his appearance will not get nearly as much attention as it would have today? I mean if Paul Ryan’s plan is so great, and Paul Ryan is so great at explaining it … why not let him explain it?
Source: dailykos.com

How to Prevent Medicare Card Identity Theft

Note: You’ll notice that your Medicare ID has one or two additional letters or numbers following the digits of the SSN. These identify what kind of beneficiary you are, according to the Social Security Administration. For example, the letter T mainly indicates that you are entitled to Medicare, but are not yet filed for Social Security retirement benefits; whereas W1 indicates that you are a widower who is eligible for Medicare through disability. For the purposes of your photocopy, it doesn’t matter whether you delete these final letters (or letter-number combinations) or leave them in. Also of interest: You can help fight health care fraud. 
Source: aarp.org

Gingrich: Ryan assuaged my concerns about budget

But appearing on CBS’s “Face the Nation,” Gingrich said that his main objection to last year’s Ryan budget was its treatment of Medicare – and that the Wisconsin Republican, the chairman of the House Budget Committee, had assuaged those concerns this year. 
Source: thehill.com

Broad And Pennsylvania: Understanding RyanCare vs. the Medicare Changes In Obamacare

You are going to hear a lot of talk about Paul Ryan either killing or saving Medicare in the coming weeks. Most of this will be uninformed drivel. The truth is, many people don’t know anything about Medicare- yes, really. You had Tea Party people in the streets with signs that said “Keep Your Government Hands Off My Medicare,” and 70% of them say they don’t want Medicare altered at all. This is from the “small government” side, so you can only imagine how everyone else is messed up on this. Let’s start with the basics- Medicare is a government-run program. It’s two primary tasks are to insure senior citizens and (after Bush) provide Prescription Drugs to seniors. Medicare was created in part because the private market did not want seniors at the time. They are the most expensive group. End of life care is the most expensive part of health care, and seniors unfortunately experience this the most. So, we created Medicare to take care of them. We grow up, work, pay payroll taxes in, and it funds the program. When we reach 65, we can sign into the program, and receive the benefits. It’s a bit more complicated than this, but this covers the basics. Obamacare as it’s derided by “the right” did two main things to Medicare to change it’s spending trajectory.
Source: blogspot.com

My Left Nutmeg:: Emily's List claims Esty "protecting" Social Security and Medicare? Really?

Powered By – SoapBlox Connecticut Blogs – Capitol Watch – Colin McEnroe – Connecticut2.com – Connecticut Bob – ConnecticutBlog – CT Blue Blog – CT Energy Blog – CT Local Politics – CT News Junkie – CT Smart Growth – CT Voices for Civil Justice – CT Voters Count – CT Weblogs – CT Working Families Party – CT Young Dems – Cool Justice Report – Democracy for CT – Drinking Liberally (New Milford) – East Haven Politics – Emboldened – Hat City Blog (Danbury) – The Laurel – Jon Kantrowitz – LieberWatch – NB Politicus (New Britain) – New Haven Independent – Nutmeg Grater – Only In Bridgeport – Political Capitol (Brian Lockhart) – A Public Defender – Rep. David McCluskey – Rep. Tim O’Brien – State Sen. Gary Lebeau – Saramerica – Stamford Talk – Spazeboy – The 40 Year Plan – The Trough (Ted Mann: New London Day) – Undercurrents (Hartford IMC) – Wesleying – Yale Democrats CT Sites – Clean Up CT – CT Citizen Action Group – CT Democratic Party – CT For Lieberman Party – CT General Assembly – CT Secretary of State – CT-N (Connecticut Network) – Healthcare4every1.org – Judith Blei Government Relations – Love Makes A Family CT CT Candidates – Chris Murphy for Senate – Susan Bysiewicz for Senate – John Larson for Congress – Joe Courtney for Congress – Rosa DeLauro for Congress – Jim Himes for Congress – Chris Donovan for Congress – Elizabeth Esty for Congress
Source: myleftnutmeg.com

Medicare Supplements and Excess

For people new to the world of Medicare, many terms pop up that are relatively new and sometimes, just plain confusing. Part A? Part B? Excess? The last one’s very important to anyone who’s trying to avoid large out of pocket exposure and risk even with Traditiional Medicare in hand. Even some Medicare supplements might not address the core risk of Excess. Before we dive into how best to address this risk, let’s understand what it is first. Excess comes into play along side co-insurance as it pertains to Medicare. So what’s co-insurance? Once you have met your deductibles (separate ones for Part A hospital and Part B physician), you then start paying a percentage of the bills. This is co-insurance and it’s traditionally 20% that you will pay while Medicare pays the 80%. Most Medicare supplements will pick up this 20% co-insurance once your deductibles are met but that’s only part of the equation. To understand the other part, Excess, we need to quickly talk about how providers, doctors and hospitals contract with Medicare. In order for a provider to get paid my Medicare, they need to accept Medicare rates or reimbursements. This is typically called “Accepting Medicare”. Most providers accept Medicare and almost all hospitals accept Medicare’s schedule of reimbursements rates but most is not all. There’s a little caveat in the provider contracting requirements that bare noticing since it can directly affect your out-of-pocket exposure. Providers are given an ability to charge up to 15% higher than the standard Medicare re-imbursement rates. There is no cap on this 15% exposure and that’s the critical piece dealing with excess. What if you have a $20K bill and the provider charges excess? This means you’re on the hook for an additional $3000 even with Part A, Part B, and some Medicare supplement plans in effect. After all that coverage, you’re still going to pay $3K because of this excess. Excess is such a strange twist and you don’t really find this term with pre-65 health insurance so it usually catches people off guard. Hopefully, our little article here might save someone $1000’s of dollars. Now, some people may say, “Hey, my doctor accepts Medicare and most doctors accept Medicare so what’s the big deal”? Keep in mind that you’re making a decision for decades when choosing your Medicare supplement insurance plan. Take a look at the financial pressures on Medicare already. There has been a concerted push to reign in Medicare costs by slowing reimbursement to providers and this will one have important effect. More and more providers will choose (or be forced) to charge excess. Over the last decade, we’ve already seen the percentage of providers that charge excess increase each year and that trend will only continue if not accelerate. So what do we do to address this future un-capped exposure? F Plan. The F Plan is the most popular Medicare supplement insurance plan for a host of reasons but the biggest one is this…it’s the least expensive medicare supplement in plan that covers Part A, B deductibles, co-insurance, and..drumroll…excess. The vast majority of people that choose medigap coverage go with the F plan and we can’t argue with the masses in this case. Medicare excess will only be more important with time and any cost that’s un-capped, is better handled with insurance. In this case, the F plan insurance plan.
Source: abcarticledirectory.com

Command Center Speeds Up Anti

Posted by:  :  Category: Medicare

CMS Innovaiton Center's Rick Gilfillan MD 2559 by tedeytanThe new Command Center is bringing together Medicare and Medicaid officials, as well as law enforcement partners from the HHS Office of the Inspector General, the Federal Bureau of Investigation, and CMS’s anti-fraud investigators. The Command Center will gather experts from all different areas – clinicians, data analysts, fraud investigators, and policy experts – into the same room to build and improve our sophisticated new predictive analytics that spot fraud, and to then move quickly on a lead, once potential fraud is identified. The technology also allows us to connect with field offices to track down leads in real time.
Source: cms.gov

Video: Interview with Tony Trenkle, CIO, Centers for Medicare and Medicaid Services (CMS)

CMS Still Evaluating Cost of Modifying Medicare Beneficiaries’ ID Cards

Rep. Sam Johnson (R-Texas), chair of the House Ways and Means Social Security subcommittee, noted that the Department of Defense and health organizations already have taken steps to redesign their insurance cards and that CMS was asked to do the same for Medicare years ago. “I don’t understand what’s taking so long,” Johnson said.
Source: californiahealthline.org

CMS Opens Medicare Fraud Command Center

5010 AARP ABC Home Health Care Inc. accountable care organizations Agency for Health Care Administration Barack Obama Bill Nelson Bobby Lolley Centers for Medicare & Medicaid Services companionship services exemption Copays Department of Health and Human Services Department of Justice Department of Labor Elizabeth Hogue F2F Fair Labor Standards Act Federal Bureau of Investigation Florida Home Health Care Providers Inc. Gentiva Health Services George W. Bush Health Care Fraud Prevention and Enforcement Action Team (HEAT) HH CAHPS Hilda Solis HIPAA ICD-10 In-Home Aides-Partners in Quality Care Independence at Home Demonstration Kathleen Sebelius Lisa Remington Marco Rubio Marilyn Tavenner Medicaid Fraud Control Unit Medicare Fraud Strike Force MedPAC National Association for Home Care & Hospice Office of the Inspector General Open Door Forum Palmetto GBA Pam Bondi Patient Protection and Affordable Care Act PECOS Rick Scott Super Committee Supreme Court
Source: hcafnews.com

Medicare’s New Requirement for Evidence

To be clear, this new CoP rule does not prohibit an individual hospital from developing its own pre-printed and electronic order sets. It does define the criteria for doing so, however.  CMS expects a hospital to look to nationally recognized guidelines, which should always be evidence-based, and to its own experiences and in-house studies and data.  CMS wants hospitals to avoid using anecdotal evidence, theories that have not been proven effective, or the old fallback of ‘that’s the way we’ve always done it’ as a basis for establishing its orders and protocols.
Source: hospitalemrandehr.com

GAO challenges CMS on cost of removing Medicare SSNs

Which number is larger, 800 million or 13 billion? The answer is obvious. So are why these numbers meaningful for healthcare? According to the Department of Justice, the financial costs associated with identify theft totaled an estimated $13.3 billion. Between 2009 and 2012, the Department of Health and Human Services (HHS) reported more than 400 incidents of health data breaches affecting the protected health information of 500 or more patients, information that often includes a prime target of identify thieves — that, Social Security numbers (SSNs).  According to the Centers for Medicare & Medicaid Services (CMS), the cost to remove SSNs from Medicare cards in one of three ways numbers close to $800 million.
Source: ehrintelligence.com

CMS: Average Drug Plan Bid Amount Falls Again

Congress created the “monthly adjustment amounts” by adding Section 3308 to the Patient Protection and Affordable Care Act of 2010 (PPACA), to reduce the federal Part D drug coverage subsidy for individuals with annual incomes over $85,000 and couples with annual incomes over $170,000.
Source: lifehealthpro.com

CMS Issues Medicare Hospital Outpatient Payment Proposal for 2013

August 1, 2012—The Centers for Medicare and Medicaid Services (CMS) has proposed to budget $48.1 billion for Medicare reimbursement to hospital outpatient facilities in 2013, an increase of 2.1 percent above this year’s level. In addition, it will increase the payment rate for separately payable drugs and biologicals by 2 percent and drop a problematic payment methodology that hospitals enrolled in the 340B drug discount program have long opposed.
Source: drugdiscountmonitor.com

Accountable Care Organizations Program Models

The Pioneer model is an initiative complementary to the Medicare Shared Savings Program designed for organizations with experience providing integrated care across settings. The Pioneer Model tests a rapid transition to a population-based model of care, and engages other payers in moving toward outcomes-based contracts.  CMS has announced 32 Pioneer ACOs, none in Kentucky.  CMS estimates that care coordination between hospitals, physicians and other caregivers under the Pioneer ACO model could save Medicare up to $1.1 billion. The Pioneer ACO Model is designed to support organizations with experience operating as ACOs or in similar arrangements, in providing more coordinated care to beneficiaries at a lower cost to Medicare.  The Pioneer ACO Model is also designed to support organizations with a new payment model, allowing them to provide more coordinated care to beneficiaries at a lower cost to Medicare.  The Pioneer ACO Model will test the impact of different payment arrangements in helping these organizations achieve the goals of providing better care to patients, and reducing Medicare costs.
Source: mcbrayerhealthcare.com

Cigna Acquires Medicare Advantage Plans From Humana Covering 3,500 in Texas

Posted by:  :  Category: Medicare

The federal government required Humana to sell the Medicare Advantage plans as part of approval for buying Arcadian Management Services. Cigna will offer the new customers Medicare Advantage plans through its subsidiary HealthSpring, which the Bloomfield-based health insurer acquired in January for $3.8 billion.
Source: courant.com

Video: Cigna Plans to Sell 15 Million Shares to Fund Purchase

West Virginia Medicare Part D Plans

The following list details all 36 plans available to West Virginians and will allow you to compare premiums, deductibles, type of plan (basic or enhanced), whether or not there is extra coverage while in the Part D donut hole and Medicare Star ratings for each plan.
Source: partdplanfinder.com

Medigap Enrollment Steps: #1 Understanding What Medigap Is

When you think about Medigap you shouldn’t compare it to the coverage known as Medicare Advantage because that coverage provides extra benefits beyond Medicare. Medigap insurance simply fills in the gaps that Medicare left behind for you to find a way to fill in. This means if you are in a situation where you use Medicare a lot for medical services you may need the benefits of a Medigap plan.
Source: medicaresupplementinsurances.com

Cigna to Acquire Arcadian and Humana Medicare Advantage Plans in Three Markets as Part of Previously Announced, Government

BLOOMFIELD, Conn., June 27, 2012 – Cigna (NYSE: CI) today announced that it has come to an agreement with Humana to purchase select Medicare Advantage plans in Texas and Arkansas. The plans in the three markets – Amarillo, Longview-Marshall and Texarkana – are part of a previously announced government-stipulated divestiture for Humana to complete its acquisition of Arcadian Health.
Source: prsync.com

Cigna Medicare Plans And Blue Cross Medicare Plans An Overview

HMO (Health Maintenance Organization) plans are the least expensive option. The effect of lower cost is reflected as restricted access to health care. Plans have a set monthly fee, covering doctors within the plan. If you visit a doctor outside of the plan, you are then responsible for the bill. Within a given plan, you have given the right to choose a Primary Care Physician (PCP) who will look after your care. The HMO CIGNA medicare plans cover regular and preventive care costs, referrals to a network specialist or facility when necessary, treatment for injuries and illness. There is no need of paying any additional fees in HMO plans as it has no fees for doctor visits. The CIGNA Part D plan is called CIGNA Medicare Rx offers coverage for 94% of available drugs, access to over 58,000 network pharmacies, no deductibles for select plans, no copayments for common drugs and diseases like diabetes and drug pressure. The CIGNA plan D in turn offers three types of plans namely, Plan 1, Plan 2 and Plan 3.
Source: arcadiamax.net

New Coverage: MassHealth,Medicare, Medicaid effective August 1, 2012

Posted by:  :  Category: Medicare

Deal 3, Table 7: Initiation enter Trick A~ contract taker leads King of Risks by KevinHutchins314Effective August 1, 2012 Dental Services of Massachusetts, Inc. and DentaQuest announced new partnership with Commonwealth Care Alliance, a health care plan known as Senior Care Options (SCO) for people 65 years of age and older with Medicare and Medicaid, MassHealth Standard or MassHealth Standard only.
Source: patch.com

Video: Medicare Fundamentals

Romney, Paul Ryan Slam Obama On Medicare In 60 Minutes Interview

“My mom is a Medicare senior in Florida,” Ryan said. “Our point is we need to preserve their benefits, because government made promises to them that they’ve organized their retirements around. In order to make sure we can do that, you must reform it for those of us who are younger. And we think these reforms are good reforms. That have bipartisan origins. They started from the Clinton commission in the late ’90s.”
Source: businessinsider.com

Air Ambulance Positive Things To Know About Expenses

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Source: travelsleepneatontario.com

Daily Kos: The Committee to End Medicare: Mitt Romney picks Paul Ryan #5

The really interesting stufff starts to happen if it’s the latter, and Ryan on the ticket means that they are going full court Budget Scare.  They will still try to downplay unpleasant consequences of the Ryan Budget, like ending Medicare, but they will start to hammer on the supposed crisis it bravely faces, this budget cliff we are about to go over.  But talk alone will probably not get the job done of putting the great Deficit Crisis back on the front burner.  They will have to get their buddies in Congress to go back on the deal to not stage a budget showdown this year.  It would take something big to get the budget back on the front burner, and a threatened budget train wreck in Congress is the only thing I can think of that is under their control that they could use to that end.  Maybe they’re banking on the real budget crisis in the Eurozone taking a decisive turn over the next few weeks.  But the US electorate isn’t going to be sufficiently worked up by anything that happens in Europe to make a difference.  A Euro crisis would just be the excuse used by the Rs in Congress to stand fast on deep cuts to our budget  
Source: dailykos.com

Daily Kos: Mitt’s economic advisor: Romney’s plan “goes after” Medicare

The news media have played a crucial role in Mr. Obama’s career, helping to make him a national star not long after he had been an anonymous state legislator. As president, however, he has come to believe the news media have had a role in frustrating his ambitions to change the terms of the country’s political discussion. He particularly believes that Democrats do not receive enough credit for their willingness to accept cuts in Medicare and Social Security, while Republicans oppose almost any tax increase to reduce the deficit. If anyone believes that I will be or anyone in my family or group of friends will be giving any politician credit for cutting Medicare or SS, they’re wrong.
Source: dailykos.com

DownWithTyranny!: Will Ryan’s Reverse Coattails Be Strong Enough In Florida To Help The Democrats Win House Seats?

Romney adviser Kevin Madden denied that the campaign was keeping Ryan out of Florida because of his proposal to privatize Medicare for people under 55; tinkering with the program for the elderly has long been toxic in Florida politics… Madden said that the campaign believes that Ryan will be a particular asset in the Great Lakes. Madden suggests Ryan will be helpful in Iowa, which isn’t anywhere near any Great Lake, but where Ryan is visiting a fair today. New York’s 23rd CD is lapped by the waters of Lake Erie and within spitting distance of Lake Ontario– TWO Great Lakes. And the Democratic challenger there, progressive county legislator Nate Shinagawa, thinks his own campaign will be well-served by Romney’s selection of Ryan. “Republicans,” he said, “are doubling down on their failed priorities. Congressman Paul Ryan wrote the plan to end Medicare as we know it so that the private insurance companies funding their campaigns will profit while seniors will pay more for their health care. He and Congressman Tom Reed voted to make it law. They believe that the way forward is more tax breaks for those who need them the least and deep cuts in education from Head Start to college aid. Congressman Paul Ryan and Congressman Tom Reed believe that we can grow our economy with deep cuts to the transportation infrastructure that forms the backbone of American manufacturing… Congressman Ryan and Congressman Reed are raising money from the same outsourcers and billionaires their failed policies put first.” This message from Nate is very much like the message we’re hearing from Democratic challengers all over the country. And when the GOP tries claiming it’s President Obama who hasn’t protected Medicare… well other than Hate Talk Radio devotees, no one is buying it. When we hear them squawking that Obamacare cut Medicare by hundreds of billions of dollars, what people are talking about is ending huge unnecessary subsidies to insurance companies through a program called Medicare Advantage. This was not something Democrats pulled out of a hat; it was something that Democrats had honed in on for years. Henry Waxman in particular worked hard to expose this typical Republican waste during the Bush years. Republicans still try to argue it would end up costing seniors through higher Medicare Advantage premiums but it hasn’t; in fact those premiums have gone down. The Affordable Care Act, what the GOP still calls ObamaCare, cut insurance company handouts, which were corporate welfare at its worst– exactly what we should be cutting. Ryan’s toxic plan turns the whole program into an inadequate voucher program. And, oddly enough, Ryan’s budget hypocritically keeps these cuts to corporate welfare. When other Republicans propose repealing those cuts, they’re proposing to blow a huge hole in the budget to fund pure corporate welfare, or “crony capitalism” as Ryan likes to rail against. Another thing that Ryan, the #1 GOP spokesperson for the exact same Austerity agenda that has failed so miserably in Europe, rails about is budget deficits. David Firestone’s extensive OpEd in yesterday’s NY Times makes that sound pretty hollow for a Republican with Ryan’s long and disgraceful record in Congress. The plans Mr. Ryan submitted as House budget chairman– which are now Mr. Romney’s too– were never models of clarity, but they at least made his priorities quite stark: more than three-fifths of his cuts would come from low-income programs like job training, Pell grants and food stamps. That’s not something Mr. Romney ever talked about on the stump, raising the question of whether the vice-presidential choice will end up defining the man at the top of the ticket better than Mr. Romney has himself. Mr. Romney wants to offload federal responsibility for Medicaid and move it entirely to the states by turning it into a much cheaper block-grant program. He claims this approach would save $200 billion a year, but never mentions that this would force states to drop coverage for at least 14 million people when states are unable to keep up with rising medical costs, which would raise emergency costs at local hospitals. He says he supports Mr. Ryan’s plan to provide the elderly with a fixed amount to buy either traditional Medicare or private plans, but has also said he would issue his own Medicare plan this fall, far too late. Beyond his standard line about undoing financial reform and Mr. Obama’s “anti-carbon” agenda, Mr. Romney has also vowed to repeal any Obama regulation that might burden the economy, without telling us which ones. Could he mean the power-plant rule that keeps mercury out of children’s lungs, perhaps? Or the one requiring better brakes on big trucks? Or the one expanding disability protections to people with AIDS or autism? Don’t expect an answer. The Romney campaign decided long ago that it didn’t need a real economic plan of its own when it could just bash the president’s. “As long as I continue to speak about the economy, I’m going to win,” he said last month. Voters, he is saying, need not inquire further. Now, let’s go back to how Ryan on the national ticket will wreck GOP prospects in congressional races around Florida. And we don’t even need to go into the mistrust right-wing Cubans have for him because of his support to end the trade ban against Castro. Let’s leave the Cuban politics to work themselves out in their own world and move up the coast towards the red-hot race for the 22nd CD that will pit progressive Lois Frankel against self-confessed Ryan devotee Adam Hasner, who earned the #3 slot for craziest congressional candidate for 2012. Hasner is on Romney’s Florida steering committee and he’s become well-known for scaring the hell out of seniors– and anyone smart enough to know that someday they will also be a senior– by saying “do we want to transition completely out of that, we want to change the way we pay for Medicare and allow people to access healthcare benefits at a certain age, we want to change what Social Security is, those are the thing we need the next generation to be involved with, not later on, but now and be part of that debate.” Funny thing is, over 27% of the voting population is over 65 in the 22nd District. In poll after poll, over 70% of seniors of those people oppose the Ryan plan after hearing arguments from both sides. Now that Ryan on Romney’s ticket, Medicare is sure to be the central issue of the campaign. Romney’s pick will seriously hurt candidates like Hasner, who thought they could pretend to be “moderates,” sweeping their Tea Party radicalism under the rug until November 7th. Yesterday Lois told us that “Ryan’s selection should throw red flags here in Florida, where so many seniors live, and where our economy is connected so closely with the quality of life our seniors can enjoy… I think Romney’s selection of Paul Ryan will be a serious drag on Tea Party candidates like my opponent, Adam Hasner. He’s called the Ryan budget ‘bold,’ and thinks it doesn’t go far enough. I don’t think seniors are going to like the prospect of paying $6,000 more for health care.” In a rare moment of honesty, Rep. Connie Mack, who ducked out of voting for the Ryan budget in March, and is likely to be his party’s Senate nominee after tomorrow, called Ryan’s budget “a joke.” A few days after the vote he refused to take part in he said “You know that budget was a joke, doesn’t balance the budget for years.” Florida Democrats don’t agree with Connie on much– nor with Newt Gingrich who told voters Ryan’s budget was “right-wing social engineering,” but they agree with both of them that Ryan’s budget isn’t serious. “In selecting Paul Ryan, Mitt Romney has crystalized the contrast of this election,” said Rod Smith, chairman of the Florida Democratic Party. “Ryan is the architect of Romney’s extreme budget plan which would end Medicare as we know it, increasing the healthcare costs for Florida’s seniors by thousands every year.” The state’s Democratic Sen. Bill Nelson, who faces a stiff challenge in his bid for another term, quickly posted on Facebook. “Romney VP pick bad for seniors. Signals an end to Medicare as we know it. My commitment to Medicare never stronger,” Nelson said. …Ryan had said the budget is based on Catholic social teaching. But in a letter, the Rev. Thomas J. Reese called that nonsense. “I am afraid that Chairman Ryan’s budget reflects the values of his favorite philosopher Ayn Rand rather than the gospel of Jesus Christ,” said Reese, a Jesuit priest and senior fellow at the Woodstock Theological Center at Georgetown University. “Survival of the fittest may be OK for social Darwinists but not for followers of the gospel of compassion and love.” In the new 7th CD in the Orlando area, where both GOP incumbents, Sandy Adams and John Mica, are competing for their party’s nomination, there can be no ducking the implications of the Ryan plan to kill Medicare and privatize Social Security. Adams and Mica both voted for it, and Democratic nominee Nicholas Ruiz is pounding both of them with their votes. Ruiz has been consistently saying all during the cycle that the majority of middle/working class voters realize that the Romney/Ryan ticket represents the most anti-New Deal ticket in American history. And it’s not only Democrats, who are already keen to reject such anti-New Deal austerity, in the name of a fake entitlement crisis, but also NPAs and Republicans, many of whom appreciate the New Deal legacy of equal opportunity safeguards and prosperity. “The outright attack on the majority of middle class interests will be the establishment Republicans’ undoing– they’ve gone too far. In fact, the GOP establishment has been going too far for decades, and are attempting to go farther still. The GOP establishment no longer authentically reflects the rank and file Republican’s sensibilities. Sure, many of them are conservative– but they’re conservative about excessive war spending, and excessive environmental degradation, and the excessive Wall Street profiteering that is eroding opportunity for their families and friends. And many NPAs feel the exact same way. That’s why, come November 6th, the GOP establishment is going to experience a stunning defeat in FL-7, while the working and middle class people are going to celebrate a great victory.” Ruiz doesn’t care which of the anti-Medicare Republican incumbents wins tomorrow’s primary. When it comes to not protecting working families and seniors in central Florida, Mica and Adams really are just tweedledee and tweedledum. Other Republican House incumbents in Florida who voted with Ryan to kill Medicare and who could be hurt by his inclusion on the ticket are Bill Young (FL-13), Vern Buchanan (FL-16), Allen West (FL-18), and David Garcia (R-26). I bet Romney and the GOP don’t want a repetition of this scene from Wisconsin where Ryan joked about a senior citizen being handcuffed and hauled away for protesting his denigration of Medicare and Social Security as though they were “welfare” or “entitlements,” which is how shady right-wingers like Ryan try to stigmatize the two programs.
Source: blogspot.com

The August 2012 Issue Sponsor: UCare

Enrollment is voluntary and members can join or leave UCare Connect monthly. Designed and administered by the Minnesota Department of Human Services (DHS), the plan offers health care delivery options that improve access to primary and preventive care. Benefits include hospital stays, nursing home care, doctor visits, outpatient care, preventive care, prescription drugs, transportation services, dental care, and interpreter services.
Source: accesspress.org

Choosing Ryan Defines Health Care For GOP Ticket

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Source: wnyc.org