Discover Why Medicare Supplement Insurance is Important

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This type of insurance isn’t sponsored by Federal or State governments. Be wary of advertisements or agencies that say otherwise. If this happens to you, report the corporate that’s dishonest you. Cluster policies also as individual ones area unit created on the market to the buyer. These area unit offered by an insurance broker. This varies between completely different policies. Policies that cowl teams of individual’s area unit sometimes asked for by sure associations or employers. Counting on the corporate, coverage and evaluation could vary also because the kind that’s chosen. If for a few reasons you’ve got already bought another health set up, you will be paying double the price. This is often due to having 2 policies. Restricted health plans and alternative major insurances area unit an example. After you have the supplemental insurance, no alternative type is required. Smoking, gender, your age, and wherever you reside area unit all factors that confirm your premium. Some corporations can charge quite others once rendering their services.
Source: freearticleforyou.com

Video: Learn About Medigap Plans

American Financial (AFG) Closes Sale Of Medicare Supplement And Critical Illness Businesses

AFG’s balance supplemental insurance operations consist solely of its run-off long-term care business, which has a book value of approximately $170 million, and which will continue to be based in Austin, Texas. AFG’s Austin-based life and annuity operations will transition to its home office in Cincinnati, Ohio before the end of the year.
Source: istockanalyst.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

Meeting Your Health Care Needs With Medicare Supplemental Insurance

The question remains though of how do you find out which Medicare supplemental policy will meet your needs while being cost effective on covering the extra expenses.  Finding the information you need to help you make a decision about the policy and coverage best suited for you is very important.  If you end up making the wrong decision about the coverage you choose you might find that you are not covered when you really need it.  Thankfully there are companies available online that help you compare rates, view policy information and insurance companies without providing personal information.
Source: seniorhealthdirect.com

Medigap North Palm Beach Fl

If you don’t do the necessary amount of shopping around, you may end up paying too much for Medicare Supplement Insurance. The different plans are standardized, which means they cannot be changed from one insurance company to another. If you have a supplemental plan in mind, find an insurance company that offers it at the best rate. You can cut the leg-work out of the process by calling an independent Florida Health insurance broker. We shop the various insurance companies for our clients, so they don’t have to. Our multiple company analysis lets clients quickly see which company offers the lowest quote for a particular plan.
Source: floridahealthinsurancebroker.com

In Florida, Medicare is not a senior

Posted by:  :  Category: Medicare

Benefit Security Card .. HALF of the U.S live in households that receive government benefits (26 May 2012) ...item 2..Brevard man gets 4 years in Social Security fraud case (Jun 1, 2012 ) ... by marsmet481The law does not lower the bottom-line of future Medicare spending but reallocates some of what would have been spent under old rules. The reductions come mostly from payments to providers and private insurers who offer plans in lieu of traditional Medicare. The money will cover annual physicals, preventive care and more generous prescription drug coverage. Republicans argue that fewer physicians and hospitals will accept Medicare, meaning fewer services. Obama argues that better access to preventive care and drugs will prevent more expensive hospitalizations.
Source: spokesman.com

Video: Paul Ryan Talking Medicare in Florida

Rubio: Ryan’s Medicare Plan Helps Romney in Florida

When Mitt Romney tapped Paul Ryan to be his vice presidential running mate, conventional wisdom dictated that Romney had put himself at a distinct disadvantage in the key battleground state of Florida, where Ryan’s controversial plan to reform Medicare wouldn’t sit well with millions of government-dependent seniors. Florida Sen. Marco Rubio isn’t buying it. In an interview with National Journal, Rubio argued that Ryan’s proposal will help — not harm — Romney’s chances of winning the Sunshine State. He predicted that older voters will support Romney and Ryan because they are trying to “save Medicare” instead of pretending that nothing is wrong with the fiscally unsustainable program. “Look, you have three million people in the state who are on Medicare — one of whom is my mom, one of whom is Paul Ryan’s mom,” Rubio said. “These are people who understand the reality of Medicare: that it’s spending more money than it takes in; that anyone who’s in favor of leaving it the way it is is in favor of bankrupting it.” Rubio praised the GOP ticket for tackling the hot-button topic of entitlement reform at a time when many politicians won’t acknowledge the problems facing the Medicare program. “They’re looking for real solutions on how to solve this,” Rubio said. “Mitt Romney and Paul Ryan are offering a way to save Medicare that doesn’t change it at all for current beneficiaries. And I think people here are going to be excited about that.”
Source: nationaljournal.com

Daily Kos: Medicare Fraud Lawsuit Filed Against Bain Company In Tampa During RNC

These tactics are nothing new for Ameritox: The company has a long and continuing history of offering illegal kickbacks to physicians for referrals. Ameritox’s improper inducements include, but are not limited to, placing personnel in the offices of Ameritox’s customers in violation of state law prohibitions on such placement; providing free or below- market point-of-care testing cups to generate extra revenue for practitioners who use those cups to perform billable testing; and offering other various inducements and kickbacks to practitioners and their medical practices, including gift cards, meals, computers, and office parties.  Ameritox’s fraudulent and illegal practices are pervasive and undertaken as part of a scheme to increase its revenues at the expense of Millennium, other competitors, patients, and the United States. 
Source: dailykos.com

Ryan Vows to Protect Medicare at Florida Retirement Community

Betty Ryan Douglas was on stage with her congressman son Saturday at the world’s largest retirement community as the Republican campaign tried to blunt withering criticism from President Barack Obama and his allies. The Democratic team charges that presidential candidate Mitt Romney and Ryan would gut programs for older people.
Source: theroot.com

Polls: Romney/Ryan lead on Medicare in Florida and Ohio?

What’s striking is that the poll also finds very big majorities of seniors in all three states support leaving Medicare as it is, while small minorities support changing it so government provides fixed amounts to spend on insurance.
Source: audacityofhypocrisy.com

Ryan's Medicare Plan: How Big a Factor in Florida?

As Obama for America’s Florida press secretary, Eric Jotkoff, put it: “If the headlines don’t tell the story, then certainly Floridians can say that Mitt Romney and Paul Ryan are simply out of touch and have no idea what’s important to the people of Florida. Whether it’s a budget that could end Medicare as we know it forcing Florida seniors to pay $6,350 a year out of their pockets or a tax hike which would burden hard-working middle-class families, Romney and Ryan’s campaign is toxic in the Sunshine State, and they will have a hard time convincing voters to choose them in November.”
Source: realclearpolitics.com

USOFARN.COM: Paul Ryan talks Medicare in Florida Speech

Today in Florida Mitt Romney’s pick to be his running mate Paul Ryan talked about Medicare.  Including saying that “Medicare should not be a piggy bank for Obamacare”.  While the Democrats and Obama keep trotting out the same old Mediscare lines, Romney and Ryan keep laying out the facts.  Obamacare takes over $700 billion from Medicare, puts 15 bureaucrats in charge of Medicare with the stated aim of limiting cost by denying treatments.  That nursing homes, hospitals, and doctors will stop taking Medicare patients.  That an estimated 4 million people will lose their Medicare advantage coverage.  These are all things being done right now to our nations seniors today by President Obama and company.  If you are a senior, if you are on Medicare or about to, this election means a lot to you.  Either Obama wins and you get the shaft, or Romney and Ryan win which means Obamacare gets repealed and Medicare gets saved, it is that simple.
Source: usofarn.com

A New Anthem Blue Cross and Blue Shield in Missouri

Posted by:  :  Category: Medicare

Rally at Todd Akin's office  by joetta@sbcglobal.netA New Anthem Blue Cross and Blue Shield in Missouri Survey Finds Most Americans Are Prepared for Unexpected Events Due … As summer comes to a close, Americans begin to reminisce about how they spent their summertime, which usually included relaxing on the beach, sipping ice-cold lemonade and reenergizing with mid-day naps. Twelve Iowa Communities Submit Applications to Become Blue Zones Project Demonstration Sites Wellmark Blue Cross and Blue Shield and Healthways announced that 12 communities have applied to be among the second of Blue Zones Project demonstration sites in
Source: medicare-news.com

Video: Missouri Medicare Supplement Insurance Plans Call 816-318-7050

Viewpoints: Who Should Fear Changes To Medicare; Ryan Not A ‘Serious, Honest Conservative’

Politico: Democrats Must Handle Paul Ryan Gift With Care Consider the plight of scores of House and Senate Democratic candidates and officeholders now campaigning for their lives in November. They’re mostly running in purple regions, often against a tea partier who occasionally questions the president’s birth certificate. Yet polls remain tight as a tic. Then suddenly, Rep. Paul Ryan (R-Wis.) is added to the ticket — along with his detailed budget. Momentum starts to build. The Medicare charge that was getting yawns seems to have a bit of a bounce. To top it off, Ryan is displaying some buyer’s remorse about his own plan — waxing poetic in his convention address over how Medicare was “there for my mom” and that “it is a promise … we will honor.” But for Democrats, is running against the Ryan budget enough? (Jon Cowan and Jim Kessler, 8/30).
Source: kaiserhealthnews.org

Akin, McCaskill launch dueling TV ads that focus on Social Security, Medicare and student loans

Akin spokesman Ryan Hite said in a statement, “It’s sad to see Senator McCaskill immediately resort to false, negative attacks but it’s also not surprising because she has nothing to stand on when it comes to defending her very liberal record in Washington….”Anyone who votes with President Obama 98 percent of the time is out of the mainstream with voters in Missouri, but that’s exactly what Claire McCaskill has done during her time in Washington and we intend to hold her accountable.”
Source: republicanassembly.org

BBCW: Claire McCaskill Voted for $700 Billion in Medicare Cuts: Missouri Seniors, Don’t Let Claire Scare You Away from Akin

Claire McCaskill and the Democrats wasted no time setting up their attacks of Todd Akin. As the Primary ended, McCaskill and the Democrats began their negative ads early Wednesday morning. It appears they are targeting senior citizens trying to scare them that Todd Akin is not their friend. Of course this comes from Senator McCaskill who has risked the healthcare of our nation’s seniors with her votes in the Senate. While Claire McCaskill attack Congressman Akin, I thought it is time to set the record straight. McCaskill voted for Obamacare. Obamacare gives the federal government more control of your healthcare and even sets up death panels. Now why would the federal government need to set up death panels? Because they are broke and can’t afford to pay out your Social Security because politicians like Claire McCaskill has been recklessly spending our tax dollars on things like Obama’s stimulus and other examples of fiscal irresponsibility. You see, the longer you stay alive, the more you you are taxing the broken Social Security system. When the government controls your healthcare, they will eventually decide who are the worthy taxpayers and who are the useless eaters in America. Useless eaters who no longer work for the government through income confiscation by the IRS will soon be directed to these death panels. Then there is that little dirty secret in Obamacare as well where your Medicare took huge hits thanks to Claire McCaskill’s vote for this socialist Utopian healthcare disaster. In case you haven’t heard, Obamacare has huge Medicare cuts in it, over $700 billion in cuts. While Claire tries to scare you that Akin has cut your Social Security benefits, she isn’t telling you how she voted for these $700 billion in Medicare cuts. So why does Claire McCaskill and the Democrats think they can get away with attacking Akin on one federal scam, while they are involved in making deep cuts to the other federal scam? I think it’s time for Claire McCaskill to tell the whole story.
Source: blogspot.com

Anthem issues MLR refunds to qualifying Medicare Supplement members in several states

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSAs you may be aware, Medicare Supplement premium changes are based on anticipated health care costs and claims trends. To support these changes, Anthem reviews Medicare Supplement premiums annually to ensure their cost estimates meet state regulated Medical Loss Ratio (MLR) requirements.MLR is the percentage of premiums that an insurer must spend on medical care.
Source: barricksinsurance.com

Video: Is Freedom Blue PPO a Medicare Supplement?

Anthem Medicare Supplement Rates Connecticut 2012 « Insurance News from Crowe & Associates

The Anthem Blue Cross Blue Shield Supplements for 2012 are attached to the posting. The rates are competitive with most carriers but are slightly higher than the AARP lines of Supplements. The Anthem High deductible F supplement is a very strong offering that should be considered by anyone with a Medicare Supplement in Connecticut. AARP does not currently offer a high deductible F in Connecticut. Look at other posts on our blog for additional information on the High Deductible F plan.
Source: croweandassociates.com

Anthem Blue Cross Medicare Supplement Plans

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Source: fluxfeatures.com

Medicare Supplement or Medicare Advantage

Welch Insurance serves clients in Huntington Beach, Fountain Valley, Costa Mesa, Newport Beach, Long Beach, Norwalk, Downey, Anaheim, Cerritos, Lakewood and other cities throughout Southern California. We offer updated information from the top carriers including Anthem Blue Cross, Blue Shield, Health Net, Aetna, United Health Care, and Humana for Medicare Supplements. We also offer Medicare Advantage Plans and Part D from Anthem Blue Cross, Blue Shield and Aetna; including the Anthem LPPO (Local Preferred Provider Organization).
Source: welchinsurance.net

Update Regarding Anthem Medicare Supplement Rate Adjustments in Colorado

The state of Colorado has approved a move by Anthem Blue Cross Blue Shield to keep rates for its Medicare Supplement plans the same in 2010 as they were in 2009. Accordingly, there will be no rate change for Anthem Medicare Supplement plans available in Colorado. However, Anthem Blue Cross Blue Shield does remind customers that there is no rate guarantee for new businesses. More information about rate adjustments Rate adjustments for Medicare plans are common and are seen as necessary by health insurance providers for several reasons. One of the most common reasons for rate adjustments has to do with the increase in deductibles and coinsurance amounts from the Center for Medicare and Medicaid Services that became effective on January 1, 2010. As of January 1, 2010, CMS increased the Medicare Part A deductible from $1,068 to $1,100. Part A coinsurance amounts increased from $267 to $275 per day for hospital stays from the 61st day in the hospital through the 90th day in the hospital. The coinsurance rate increase from $534 to $550 per day for the 60 lifetime reserve day. Also, coinsurance for Skilled Nursing Facility Care increased from $133.50 per day to $137.50 per day for days 21 through 100. There were also changes to Medicare Part B deductibles; the deductible amount will increase from $135 to $155 per month and the premium rate will increase from $96.40 to $110.50 per month. There will be no corresponding increase in Social Security benefits in 2010 to help cover the cost of the increased rates. Also, based on income filing status, the CMS has set a higher Medicare Part B premium rate for higher-income participants and couples. Again, Anthem Blue Cross Blue Shield subscribers may have the same rates in 2010 as they had in 2009 because of Anthem’s choice to forgo the rate increase. According to Blue Cross Blue Shield, instead of increasing cost of coinsurance and deductibles to customers, Anthem Blue Cross Blue Shield plans will cover these increases as long as the plan already covers deductibles and coinsurance amounts. As a result, the amount of money that Anthem pays out to health care providers in benefits for its participating members will increase. Another reason that many rates for health insurance plans increase is become of the increased cost in providing health care services. This cost correlates to an increase in the number of Medicare beneficiaries who also enroll in Medicare Supplemental insurance plans. According to Anthem Blue Cross Blue Shield, the health insurance provider received the cost and use of its Medicare Supplemental insurance benefits and determined that they do not need to change the premiums for the plans for Colorado residents yet. The move to keep the rates the same as they were in 2009 will help to save Anthem Medicare Supplemental insurance plan members money. Medicare Supplemental insurance helps to cover the doughnut hole coverage gap that applies to many individuals enrolled in traditional Medicare plans. With Supplemental insurance, participants can have increased coverage even when traditional Medicare plans do not provide adequate coverage for their healthcare services or products. Medicare beneficiaries should work with an experienced Medicare advisor to learn more about which Medicare Supplemental insurance plans are right for them.
Source: submityourarticle.com

Medicare Supplement plans to receive rebates

[…] Independent agent for health and life insurance in northern California. CA LIC. 0H12644. Focusing on families, individuals, self employed and small business. Representing several insurance carriers including Medicare Advantage and Part D Plans. Life insurance, final expence and funeral trusts. My pledge to my clients: 1. I respect your time and decisions. 2. I will not try to sell you something you do not want or need. 3. I will not call you after 5pm unless you ask me to.Source: insuremekevin.com […]
Source: insuremekevin.com

Anthem Blue Cross Medicare Supplement Plans

Over seventy years of Blue Cross; since 1937. While much has changed in the short span of seven decades, two things have remained constant; our original business philosophy of putting customers first and our commitment to innovation and progress. We are a leader in senior health care and are continuing to build on our tradition of developing innovative products that offer choice, quality, and health security for California seniors. We offer more plans than ever before, including traditional Medicare Supplement plans, a Medicare Advantage HMO and a New PPO plans called Freedom Blue. We also offer prescription drug and dental plans, and products that can help you protect your financial future, like Long Term Care Insurance and Life Benefits Final Expense Whole Life Insurance offered by Blue Cross of California. 
Source: pcifaxmodem.com

Open enrollment: 5 tips for selecting the best benefits

Think about how often you go to the doctor, which drugs you take and what services you might need next year, and compare the costs of each plan, says Carol Taylor, director of compliance and government affairs for Beacon Benefit Consulting in Jacksonville and Orlando, Fla. Many health insurers offer online tools to help you compare costs of health plans and treatments.
Source: insurance.com

Dave Fluker’s California Health Insurance Blog: Anthem Blue Cross Medicare Supplement Rate Change 2012

Anthem Blue Cross of California has a rate change going into effect on March 1, 2012 for Medicare Supplement plans. This rate change does not affect the individual & family under 65 plans which will be addressed for July, 2012.
Source: blogspot.com

Anthem Blue Cross California

inShare Share Digg Digg * NO-BRAINER MOMENT * 6 years ago, if you had invested $50,000 in a Cash ISA at 6%, you would have received: $88,882.21 after charges (or 12.95% year-on-year) ~ 6 years ago, if you had invested $50,000 in ITM Financial (had it existed back then), you would have received: $230.955.72 after spreads (or 60.31% year-on-year ) ~ There’s a reason why people don’t put their money in banks.. ;)
Source: scoop.it

Anthem Medicare Supplement Insurance Quotes in Ohio

In order to qualify, individuals must switch from an existing supplemental policy to a new  Anthem plan with equal or lesser coverage.   This means if you currently own Plans F or J, you can switch to a modernized Plan F (Plan J is no longer for sale as of June 2010) with no health questions asked.   Likewise, you could switch from Plan G to Plan G or Plan N to Plan  N, etc.
Source: ohioinsureplan.com

“The Basics” Chiropractic Medicare: “The Medicare Claim Tells the Story” ~Newsletter 8/20/12

Posted by:  :  Category: Medicare

Joe the Plumber - To Flush The System ...More scams aim to ensnare Brevard seniors - Their ingenuity is boundless, Archer said. (Jul 2, 2012) ... by marsmet524Many times the carrier will ask for patient S.O.A.P. notes to verify the doctor did in fact adjust vertebrae is specific regions in which they billed Medicare. If you adjust 4 regions on your patient for example, your billing will match the S.O.A.P. notes as to the number of regions you adjusted and billed to Medicare.
Source: blogspot.com

Video: Canvas-CMS1500-HEALTH-INSURANCE-CLAIM-FORM Black Berry.mp4 – Mobile App – GoCanvas.com

Diagnosis Codes: How to Bill Chiropractic Diagnosis Codes For Medicare

– 739.0 Nonallopathic lesions of the head region not elsewhere classified — 739.1 Nonallopathic lesions of the cervical region not elsewhere classified — 739.2 Nonallopathic lesions of the thoracic region not elsewhere classified — 739.3 Nonallopathic lesions of the lumbar region not elsewhere classified — 739.4 Nonallopathic lesions of the sacral region not elsewhere classified — 739.5 Nonallopathic lesions of the pelvic region not elsewhere classified
Source: blogspot.com

Pitfalls in Billing Pharmaceuticals to the Medicare Program

It is clear there are multiple pitfalls for the compliant billing of pharmaceuticals to Medicare Part B. Hospitals need to ensure, to the extent possible, that their pharmacy CDM is accurate with correct HCPCS and revenue codes, that unit conversion modules or tables are set up correctly, that self-administrable drugs have been identified as such and revenue code fields are set to toggle between 637 and 250 based on bill type. Noncovered drugs should be billed to the patient, not Medicare. Drugs integral to the procedure should be set up as supply items, not billed as noncovered. Nursing documentation, including that on an electronic medication administration record, should indicate date, time and nurse responsible for administration and the amount of drug given—and wasted—if any. Only wasted drugs in single-dose vials can be billed to the program and only if documentation in the medical record meets the requirements. 
Source: bkd.com

New Initiative: NY Medicare Rx Access Network

Posted by:  :  Category: Medicare

Rogue Magazine (October 1964)  Volume 9 Number 5 - Water Balloons ...item 1.. routinely use devious devices -- wears us down like rabid trial lawyers until we give in (August 15, 2011 / 15 Av 5771) ... by marsmet542In the new report, IMS examined the medicines covered under Medicare Part D from 2006 to 2010. It found that a group of brand-named (patented) medicines representing 28% of the all Part D 2006 spending lost patent protection during this period. At the same time, generic versions of those medicines became available to patients. This generic competition with brand name drugs helped save Medicare $8.1 billion. IMS also reports that generic competition will result in additional savings to Medicare over the next several years as another large group of medicines will lose patent protection.
Source: newyorkhealthworks.com

Video: How Medicare Works

The GOP is the Party of Medicare

On the campaign trail, Mitt Romney has declared that it was wrong for Obama to cut Medicare, and promised never to cut the program himself. Now Rep. Paul Ryan, the chief GOP proponent of Medicare reform in Congress and Romney’s running mate, has thoroughly bought into this argument. Ryan’s GOP convention speech tonight went all in on the defense of Medicare. “Medicare is a promise, and we will honor it,” he said. And the reason to repeal ObamaCare is because of the way it upends the existing entitlement structure. “The greatest threat to Medicare,” according to Rep. Ryan,” is ObamaCare, and we’re going to stop it.” 
Source: reason.com

Brad DeLong: The Policy Substance Underlying Today’s Politics

Hey seniors! The Republican platform calls for turning Medicare into a voucher program and for eliminating important benefits for you–they want to reopen the Medicare drug “donut hole”. They would want to raise your Medicare premium by an average of $577/yr a decade from now. Why? Because they seem hell-bent on restoring $716 billion in wasteful Medicare payments to insurance companies and over-treating specialists. We don’t know the full details. They won’t tell us. Republicans’ rhetoric and plans keep shifting as the American people responds with dismay to what Republicans propose. It won’t be good. We do know that two-thirds of Medicaid dollars are used to care for the elderly and the disabled, and that the Republicans have pledged to cut Medicaid dramatically.
Source: typepad.com

New program works to help Whatcom County Medicare patients leaving hospital

“These coaches will be that bridge to help the patients when they go home, and the patients’ families, (to) understand what they need to know so they don’t need to be back in the hospital,” said Elya Moore, development coordinator for Whatcom Alliance for Healthcare Access.
Source: bellinghamherald.com

What Happens to Your Medicare Benefits When You Move Abroad?

Luckily, plans that offer medical insurance abroad are tailored to permanent and part-time residents of international locations, offer some portability for retirees who wish to travel and are both affordable and flexible. These plans allow a retiree to not only select a limit and deductible that is reasonable for their budget but also to choose coverage options that go well beyond just providing medical treatment. Some plans allow benefits for repatriation of remains and emergency medical evacuation as well as providing the usual overage for prescriptions, hospital stays and more.
Source: nyig.com

Information on How Medicare’s Doctor Network Works

A big question for many people new to Medicare is “which doctors can I see on Medicare?” Good question and you’re probably going to like the answer (if you’re new to Medicare). The good news is that most doctors participate with Medicare and even a higher percentage of hospitals (close to all of them) participate in Medicare. What does this mean to say that they participate? Good question. Let’s get into the doctor network of Medicare and understand how it even affects which Medicare supplement plan you should choose. Let’s say you’ve been with your Dr. for years now and are turning age 65. One of the big issues with switching insurance plans is having to make sure your doctor participates in the network (usually PPO or HMO) and if not, who can you choose. Switching to Medicare is slightly different. It functions most closely to a PPO nationwide network or more like an EPO (Exclusive Provider Organization) since there are no benefits with the very small number of doctors that are not in the network. Usually the easiest way to check your existing doctor is just to call the office and ask them if they “accept Medicare”. You’ll most likely get a “yes”. When a provider “accepts Medicare”, it essentially means that they accept the schedule of reimbursement rates that Medicare will pay for various services. On average, Medicare’s reimbursement rates are 60% of private carriers but in any given area, there’s a larger (and growing) number of Medicare eligible patients so there’s a trade off. Similar to any PPO style network, a provider received reduced reimbursement for a large influx of customers/patients. Accepting Medicare basically means that a doctor will accept Medicare’s rate of reimbursement for Medicare patients. You are not restricted to a certain area with Medicare and can use any provider in the U.S. that accepts Medicare. This is very important since the plan and the accompanying Medicare supplement plan will travel with you as opposed to many pre-65 health plans that are State specific. Now there’s a little wrinkle that comes into play with providers that participate in Medicare. A provider can choose to charge up to 15% higher than the allowed Medicare reimbursement rate and still be considered as “accepting” Medicare. This additional charge is called “Excess”. This is where Medicare supplement plans come into focus. Some of the Medigap plans cover this excess while others don’t. Many people new to Medicare are unaware of this excess provision since with most health plans, you’re either in or out of network…there’s no gray area. This gray area can cost you quite a bit of money so it’s very important to make sure you choose a Medicare supplement plan that covers excess. This excess aspect will only continue to become more of an issue going forward since Medicare is under such financial constraints and history shows that doctor reimbursements generally take the brunt of budgetary cuts on Medicare. More and more doctors will be forced to charge this increase amount as the percentage of patients on Medicare increases with the aging of the U.S. population. The F Medicare Supplement plan covers this excess charge which makes it our favorite plan of choice for complete coverage. Dennis Jarvis is a licensed insurance agent concentrating on medicare supplement insurance.

Medicare Costs Too Much, So Let’s Make Private Payers Make Up the Difference

Posted by:  :  Category: Medicare

New Online Rx System Makes UM Student 'Top Entrepreneur' Finalist by University of Maryland Press ReleasesThat’s the problem facing health policy bureaucrats in Maryland, which has one of the most thorough sets of health care price controls in the nation. The system is known as “all-payer,” in which the state’s Health Services Cost Review Commission (HSCRC) sets payment rates for, you guessed it, all payers that reimburse the state’s non-profit hospital system — including private insurers.
Source: reason.com

Video: Medicare physical therapy patient testimonial bowie maryland.avi

Nursing Home Administrator Receives 20

During this time, conditions for the residents in the three nursing homes were described repeatedly as “inadequate.” Numerous staff members reportedly resigned after paychecks started bouncing. As employees left, few applicants sought the open positions. This left the facilities significantly understaffed. The facilities also fell into disrepair, with few resources applied towards upkeep of the buildings. Roof leaks and broken air conditioning units became common. As a result of non-payment to the nursing homes’ vendors, the facilities experienced shortages of food, medicine, and even cleaning supplies. Some employees used their own funds to buy food for residents.
Source: marylandnursinghomelawyerblog.com

Romney confronts Ryan's Medicare question in N.C. rally

Posted by:  :  Category: Medicare

'The election of Obama would, at a stroke, refresh our country's spirit' by Renegade98 I personal do not beleive mr romney about what he is saying with regards to the issue of their passing medicare cuts to the current budget with the help of the democrats not a true democrat anyway maybe with the help of some right winged winged nut of a democrat that is already so closely alinged with the repbulcians that he /she had may as well be a republican in the first place .  just another republican elephant posing as a donkey/ democrat by surely not a true democrat the democratic party in this state is better off with members of this nature for sure. they need to truely change their real registration to  reflect the actuakl way they feel an vote an stop posing as our current governor did as a democrat whenin fact they are republcians in the first place thank you
Source: newsobserver.com

Video: North Carolina Medicare Enrollment.wmv

Killing Medicare is just an appetizer

At a time of extreme inequality – with the top 1 percent capturing a staggering 93 percent of all income gains in 2010 – Republicans would dramatically lower taxes on the wealthiest Americans, and by definition raise them on working families.They don’t actually admit to that, of course. But they lower top income tax rates and sustain lower rates on wealth (capital gains, dividends) while claiming their reforms will raise as much money (be revenue neutral) by eliminating unspecified loopholes and tax breaks. That means they must go after the biggest deductions – either limit the mortgage deduction for middle class homeowners or cut the tax benefits for employer provided health care, both reforms that would directly hit working families. With health care costs soaring and employers cutting back on health insurance benefits, the Republican budget would add millions to the rolls of the uninsured by eliminating the health care reforms, with no program in its place. With boomers headed into retirement and soaring Medicare and Medicaid the essential cause of projected deficits, Republicans address the problem not by limiting health care costs, but by requiring seniors to pay more. They would turn Medicare into a voucher or “premium support” program that would not keep up with health care costs, forcing seniors to pay thousands more out of their own pockets. Worse, they would cut Medicaid support drastically for the most vulnerable – the impoverished, the disabled, and the terminally ill. With the U.S. spending almost as much on its military as the rest of the world combined, Republicans demand that we raise, not pare, Pentagon spending. With our basic infrastructure – from roads to schools to sewage systems – in dangerous decline, the construction industry flat on its back, and interest rates near record lows, Republicans call for spending less, not more, on rebuilding America, rendering our economy less competitive and our streets less safe. With global corporations growing ever more adept at using transfer pricing and overseas tax havens to avoid taxes here at home, Republicans would make the entire world outside the U.S. a corporate tax haven, encouraging companies to move jobs and book profits abroad. With college tuition soaring and more and more being priced out of the education they have earned and need, Republicans solve the problem by cutting back on student loan programs. Today every element of the American dream – a secure job with American wages and benefits, an affordable home, a good education and affordable college for the kids, a secure retirement, health care for the family – is growing out of reach for more and more Americans.
Source: bluenc.com

Boehner Predicts GOP Victory, But Not A Mandate To Overhaul Medicare

Roll Call: NRCC Punches Back On Medicare In North Carolina’s 7th The National Republican Congressional Committee launched a counterpunch ad in North Carolina’s 7th district knocking incumbent Rep. Mike McIntyre (D) for his vote against the controversial budget of Wisconsin Rep. Paul Ryan (R), providing a window into how Republicans will fight back against Democratic attacks that GOP candidates want to “essentially end Medicare.” The new NRCC television ad begins with a short clip of a recent DCCC ad in a TV box in which the narrator said, “David Rouzer’s budget would essentially end Medicare.”… It’s a bit of a meta-twist since the DCCC ad this NRCC one is pushing back against began with a clip of another ad — from Rouzer. The new NRCC ad began airing Sunday in the Raleigh and Wilmington media markets. It is backed by a $163,000 buy for the week (Miller, 8/27).
Source: kaiserhealthnews.org

More on North Carolina’s Medicaid Choice

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Source: wordpress.com

North Carolina Medical Society

NCMS encourages members and their patients to let their representatives in Washington, D.C. know that they support the Medicare Patient Empowerment Act. This proposed legislation, introduced last year, would allow Medicare patients and their physicians to enter into private contracts without penalty to either party. It would enable beneficiaries to use their Medicare benefits to see physicians who do not accept Medicare, as opposed to paying for the entire cost of their care out-of-pocket as required under current law.
Source: ncmedsoc.org

YOU DECIDE: What’s the best approach to Medicare?

The amount of subsidy would depend on the cost of the insurance plan chosen by the Medicare recipient. The government would establish a benchmark plan with certain features and reasonable costs. Seniors choosing a more costly plan would receive a smaller subsidy and likely have to pay more out of pocket, while seniors choosing a less costly plan would receive a larger subsidy and maybe even a cash rebate. Additionally, all financial assistance would be calibrated to the medical condition of the senior, meaning the sickest seniors would receive higher subsidies.
Source: ncsu.edu

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

North Carolina Department of Health and Human Services DHHS Investigating Almost Three Dozen Medicaid Billing Fraud Cases

Medicaid, Medicaid fraud, Medicaid Fraud Control Unit (MFCU), Medicaid audits, administrative hearing, North Carolina Medicaid, Medicaid provider, Medicaid contract, Florida Medicaid, South Carolina Medicaid, Georgia Medicaid, termination of Medicare billing privileges, Department of Health and Human Services, DHHS, Centers for Medicaid & Medicaid Services (CMS), request for reconsideration, physicians, medical groups, medical practices, fraud prevention, Medicaid revocation, Medicaid termination, special agents
Source: thehealthlawfirm.com

SHIIP provides Medicare assistance

Of course there are other things to consider when determining Medicare options. SHIIP has created a handout meant to help navigate the Medicare system and initial enrollment process. The handout, “The Road to Medicare,” outlines the decisions people will need to make and what options are available through the Medicare system. To obtain a free copy of “The Road to Medicare,” call SHIIP at 1-800-443-9354 or visit SHIIP’s website at www.ncshiip. com.
Source: salisburypost.com

Windsor medicare drug prior authorization form

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WellPoint Q1 2011 Results: Medicare Advantage Growth & Online Sales

Posted by:  :  Category: Medicare

'The election of Obama would, at a stroke, refresh our country's spirit' by Renegade98Interestingly though, there are only a couple mentions of WellPoint’s Medicare (Senior) business on their most recent earnings call.  First, WellPoint saw higher than expected growth in their Medicare Advantage enrollments.  For those of you who sold their plans, WellPoint’s enrollment growth was probably a no brainer.  Their Medicare Advantage plans were extremely competitive in states like California, Ohio, Virginia, and New York.  Below is a quote from the call:
Source: agentpipeline.com

Video: Medicare advantage plans 2011 Information on the basics of Medicare Advantage Plans

Medicare Advantage Grows; But Not Without Government Help

The net result, encouraging more plans to compete in the Medicare market, is not actually in the best interest of seniors. In a study published last month in Health Affairs, researchers found that too many choices with too little guidance can be overwhelming for Medicare enrollees, especially the growing proportion that is experiencing cognitive difficulties. “Our study suggests that the Medicare Advantage program presents an overabundance of choices for many elderly beneficiaries,” the researchers write. “Medicare Advantage plans currently compete for enrollees through the benefits they offer and the premiums they charge, but elderly beneficiaries with low cognitive function were not responsive to changes in these features.” The implication, according to Health Affairs, is that these “unresponsive” seniors may buy into plans not well suited to their needs, allowing private insurers to profit “by offering less-generous coverage or reducing benefits while still attracting or retaining enrollees with limited cognitive abilities.”
Source: healthbeatblog.com

Romney sale de la convención sin cobrar nuevas fuerzas

“Como toda la convención republicana, el discurso de Mitt Romney esta noche ofreció muchos ataques personales y trivialidades pero ni una sola idea tangible para mover nuestro país hacia adelante. Lo que no compartió fueron sus verdaderas propuestas, que regresarían a nuestro país al pasado: otros $5 millones de millones en reducciones de impuestos para los más ricos, pagados por la clase media y que agrandarían el déficit; transformar Medicare en una libreta de cupones, aumentando los costos a las personas de la tercera edad; un fin a los estándares de eficiencia de energía y créditos tributarios para la energía sustentable; grandes recortes a las becas y préstamos estudiantes; y la derogación de las reformas a Wall Street. Y en un discurso de casi 45 minutos, Mitt Romney no le dedicó ni un minuto a Afganistán. Sin propuestas nuevas y evadiendo exponer sus verdaderos planes, Mitt Romney abandona la convención no más fuerte que cuando entró.”
Source: ushispanics.com

Medicare Idaho 2011 Advantage Plans

This has also benefitted the insurance companies whose share values have increased due to the increase in demand. The advantage plan remains the same. There has been only a marginal boost for those who already have Medicare and for those who have enrolled recently. The 2011 Medicare Advantage plan was passed through the healthcare reform law that sought to change lifetime coverage as well as forbidding policy cancellations when an enrollee got sick. The Medicare Advantage will now see that the expenses that are to be paid by the consumers are limited and reduced so that the shared costs increase for such services like chemotherapy, kidney dialysis and other such intensive care. There will also be greater discounts offered for prescription drugs that were sold separately or as part of the Part D plan.
Source: medicareidaho.com

Heritage: Debunking Medicare Reform Myths

Abstract: Medicare patients today face reduced access to care, which will inevitably be rationed through the Affordable Care Act’s relentless payment cuts. On paper, Medicare will continue to appear as a model of administrative cost control, but real administrative costs—borne by doctors, hospitals, and clinics—will continue to soar, and medical professionals will struggle to comply with the numerous rules and reporting requirements governing care delivery. Medicare premium support, long a bipartisan proposal, is the best alternative to this unhappy scenario. It would guarantee better choices and broader access to quality care, faster innovation in care delivery, and less waste and fraud in medical transactions. It would also deliver superior cost control. For the next generation of taxpayers and retirees alike, there is no better future.
Source: theminorityreportblog.com

Medicare Spending Growth Slows, But 2011 A Profitable Year For Medicare Advantage Plans

CNN Money: Medicare Passes On Big Profits To Insurers This has been a volatile year for the stock market. But one sector has been consistently earning a windfall for investors: health insurers that provide private Medicare plans to seniors. Among the top-performing Fortune 500 stocks of 2011, three — WellCare Health Plans, Humana, and Centene — were health insurers with a high proportion of Medicare Advantage enrollees. WellCare’s share price has nearly doubled while Humana and Centene are up about 50 percent. UnitedHealth Group (UHC) and Aetna, each with significant shares of Medicare Advantage patients, also inked gains of more than 35 percent in 2011  (Farrell, 12/22).
Source: kaiserhealthnews.org

Choosing Between Original Medicare and Medicare Advantage

Original Medicare is made up of two parts: Part A and Part B. Part A is a hospital insurance plan that helps to cover the costs associated with home health care, inpatient hospital care, hospice and nursing home care. Part A typically does not carry a premium, as the cost is covered by workers’ Medicare taxes. Medicare Part B is a medical insurance plan that covers part of the cost of outpatient care, certain doctors’ visits, approved medical supplies and preventative care. Just as with other health insurance policies, recipients pay a monthly premium for coverage.
Source: reversemortgagecalculator.com

AARP Medicare Complete Improves Their Benefits in Florida

One of the perceived issues with this plan in the past was the 20% copay for outpatient surgeries.  Surgery can be expensive, and the 20% left you wondering what kind of bill you would be hit with.  This year in 2013 they are eliminating the 20% and going with a flat $250 copay.
Source: medicare-plans.net

Humana Medicare Advantage Plans For Seniors: Satisfied Clients

When I was a child, my parents took good care of me. When I grew up and got a job, I promised myself that I would definitely give them back all the love and care they provided me before. My mom and dad aren’t the sickly type but growing old also meant having the immune system weaken and being compromised. Their body no longer have the same resistance to infection and diseases as it once had. Although I provided them with nutritious foods, drinks, and even health supplements, I also wanted to ensure that should worse come to worst, we are all prepared financially. I have witnessed cases wherein certain people succumb to illness and are financially struggling just to pay the bills. Also, I was more afraid of the fact that my parents might hide any symptoms, if they’re feeling any, just so I won’t be able to shell out money for consultations and hospital admissions.
Source: bscdepaul2011.info

Insurer to Purchase Vertically Integrated Medicare Advantage Plan/Provider

Healthcare Law Blog June 10, 2011 by Sheppard Mullin Insurer to Purchase Vertically Integrated Medicare Advantage Plan/Provider By Eric Klein and Aytan Dahukey WellPoint, one of the nation’s largest health insurers, has agreed to buy CareMore for approximately $800 million. WellPoint, which holds the license for Blue Cross in California and for Blue Cross Blue Shield in several other states, is the largest American health insurer in terms of patients covered, with one in nine Americans receiving coverage for their medical care through WellPoint’s affiliated plans. CareMore, based in Downey, California, is a physician owned medical group operating Medicare Advantage plans in California, Arizona and Nevada with the majority of its membership in California. CareMore’s business model is focused on seniors and it has developed its own delivery system to complement its health plans. With a tight incorporation of employed physicians and other practitioners, 26 self-sufficient care centers clinics and well developed delivery systems, CareMore is considered one of the more vertically integrated Medicare Advantage systems in the country. With the acquisition WellPoint brings a management team on-board with significant and successful experience developing and growing Medicare Advantage business (the CEO of CareMore is one of the co-founders of PacifiCare) and also acquires a delivery system and physician network to significantly expand its MediCare Advantage business. The deal is scheduled to close by the end of 2011 and is subject to certain state and federal regulatory approvals and standard closing conditions. It will be interesting to see how this transaction is viewed by WellPoint. In some ways this may signal the beginning of a new merger and acquisition push by MediCare Advantage plans seeking to vertically integrate with physicians in light of potential changes in the reimbursement system stemming from healthcare reform. WellPoint may also see this acquisition as focused primarily on the core Medicare Advantage plans owned by CareMore with the care clinics and physician relationships viewed as secondary assets. Given the major push for integration between plans and medical groups we are witnessing in California, the former is more likely than the later. In fact, in a Wall Street Journal article published on June 9, 2011, WellPoint’s chief financial officer Wayne S. DeVeydt was quoted as saying that the acquisition was not “simply buying membership” but rather a long-term strategy to integrate physicians and clinics with WellPoint’s established plans. DeVeydt was quoted as stating that WellPoint planned to more than double CareMore’s existing clinics over the next 2 to 3 years, including expansion in New York where WellPoint has two existing plans in place. For more information, please contact Eric Klein at eklein@sheppardmullin.com or (310) 228-3728 or Aytan Dahukey at adahukey@sheppardmullin.com or (310) 228-3729.
Source: jdsupra.com

Medicare Advantage 2011 Data Spotlight: Medicare Advantage Enrollment Market Update

This data spotlight examines enrollment trends in Medicare Advantage plans in 2011 and finds that despite concerns about the effects of the 2010 health reform payment reductions on private Medicare Advantage plans, enrollment continued to rise this year.  Additionally, Medicare Advantage enrollees are paying lower premiums, on average, than they did in 2010. Preferred Provider Organizations gained more enrollees than any other plan type, while enrollment in Private Fee-for-Service plans continued to decline. A companion issue brief examines firm perspectives on the Medicare Advantage marketplace.  The analysis was conducted by a team researchers at Mathematica Policy Research, Inc. and the Kaiser Family Foundation. 
Source: kff.org