Top News Stories Now!: Letter: Traditional Medicare is worth saving

Posted by:  :  Category: Medicare

Letter: Traditional Medicare is worth saving Gloucester County Times – NJ.com By Letters to the Editor/Gloucester County Times Republican vice presidential candidate, Rep. Paul Ryan, R-Wis., speaks during a campaign rally, Monday, Aug. 20, 2012, in Manchester NH (AP Photo/Evan Vucci) Much has been said and will continue to be …
Source: blogspot.com

Video: New Jersey Delegates Happy With Paul Ryan’s RNC Speech

Study: Nearly A Third Of Doctors Won’t See New Medicaid Patients

New Jersey Medicaid officials acknowledge the lack of physician participation is a problem, but said the recent move to enroll nearly all Medicaid recipients into private managed care plans “should reverse the trend,” said Nicole Brossoie, spokeswoman for the New Jersey Department of Human Services which oversees Medicaid.
Source: kaiserhealthnews.org

Medicare Set Asides Not Required in Personal Injury Cases, Holds NJ Court

The court noted that Medicare set-aside agreements were not mandated by federal law in personal injury settlements. Such agreements are common in workers’ compensation settlements; however, the court observed the circumstances of a personal injury settlement are distinguishable. Payments in workers’ compensation cases are frequently capped by a statutory maximum, whereas personal injury cases can include noneconomic damages and “are not determined by an established formula.”
Source: sjclaw.com

Report: N.J. Medicaid patients are least likely in U.S. to find new doctor

BY CAROL ABAYA NEWJERSEYNEWSROOM.COM THE SANDWICH GENERATION Multiple marriages and blended families can mean children get cheated out of money and assets their parent(s) earned and had before the second or third marriage. At the 2012 senior citizens’ law day conference, Lawrence A. Friedman, Bridgewater elder law attorney, said elders need to protect their children of prior marriages from being disinherited. “Even if your spouse’s current will provides for your children, your spouse may change it after you pass away,” he said. In addition to protecting one’s child, an appropriate will can minimize N.J. estate taxes, which kick in if assets are over $675,000. At the conference, Cathyanne Pisciotta from North Brunswick discussed guardianship which could be necessary if various legal documents are not signed. Pisciotta said that if a person does not have a durable power of attorney (for financial affairs) and a living will (for medical decisions), anyone else can seek guardianship of that person. An expensive court proceeding is mandatory. And she said, “If one person seeks guardianship, someone else can challenge the appointment. Another relative may seek to be appointed guardian because he/she wants the money and power.”
Source: newjerseynewsroom.com

Medicare Premiums Expected to Hold Steady in 2013

That’s right, the Department of Health and Human Services issued its estimate not long ago, and Businessweek reported it in an article titled “Medicare Drug Plan Premiums to Stay at $30 in Coming Year.” Indeed, according to the estimate and bids from private insurers, the premiums for Medicare drug plans are expected to hold steady at the $30 average where they stand today.
Source: jmtjrlaw.com

NJ Court Grants Motion to Enforce & Question Need for LMSA

In regards to a requirement for a Liability Medicare Set Aside Arrangement (LMSA),  Defendants cited to the CMS Memo, dated September 29, 2011, stating that under the MSP, “[a]ll parties do have significant responsibilities under the MSP to protect Medicare’s interests when resolving cases that include future medical expenses.  A recommended method to protect Medicare’s interest is a set-aside arrangement , which allocates a portion of the settlement for future medical expenses.  The amount of the set-aside is determined on a case-by-case basis.”  The court cites to support its position denying any weight to the CMS Memo, the cases of  Christensen v. Harris County, 529 U.S. 576 and Shalala v. Guernsey Memorial Hospital, 514 U.S. 87.  Each of those cases found  Medicare Provider Reimbursement Manual “is a prototypical example of an interpretive rule” that does not require notice and comment, and therefore “does not have the force and effect of law and is not accorded that weight in the adjudicatory process.”  We disagree with the Court, that if appealed this position will be upheld for several reasons.
Source: francosignor.com

Avoid The Donut Hole of Medicare Element D

Contact UsManufacturer Replacement Welding SuppliesTips for Lincoln?Tips for Harris?Tips for Victor?Tips for Miller?Tips for Binzel?Tips for Bernard?Tips for Thermal Dynamics?Tips for Hypertherm?Tips for Kaliburn?Tips for Tregaskiss?Tips for Bystronic?Tips for Precitec?Tips for Oxweld?Tips for Trumpf?Tips for Tweco?Tips for Mazak?Tips for ESAB?Welding-Cutting Torch SuppliesPlasma Cutting TipsMig Welding TipsTig Welding TipsLaser Cutting / Welding TipsOxy Fuel Cutting / Welding TipsThermal Spray Tips?2012 by The American Torch Tip Company.All Rights Reserved. American Torch Tip Company is in no way affiliated with the above-named manufacturer(s). References to the above-named machines, torches and numbers are for your convenience only. American Torch Tip is not necessarily authorized by the above-named manufacturer(s) to provide replacement parts. Most parts advertised for sale are made by, or for, American Torch Tip Company and other parts, as indicated, are original parts manufactured by the above-named OEM and are simply being resold by American Torch Tip Company.
Source: kidsnjparty.com

How you can choose right Medicare supplement plan?

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSThere are many Medicare advisor companies are working. But My Medicare advisor is best rather than others. My Medicare advisor first gives the full guidance to client. We help for getting more coverage in low cost. We have 25+ year experience and thousands of people joined us. We promise that we will assist you in future for all problems. Medicare is a very complex problem for everyone isn’t easy. Many insurance companies are giving different coverage in same plan. By these reason you are confused and you can’t do selection of right Medicare plan.
Source: freearticleforyou.com

Video: Understanding Medicare Supplemental Insurance

Learn to get Medicare Supplement Insurance quotes

love quotes If you are looking over this document, it indicates that you’ll be whether person age 65+ seeking to populate a interruptions in your latest Treatment insurance, or maybe are generally an individual searching for for anyone who’s going to be. Either way, you will discover quite a few sources within this article to obtain the cheapest Medicare supplemental insurance Rates, and also compare them with some other businesses. Essentially the most fastest way to acquire a line can be selecting protection organization or maybe brokerage house you feel more comfortable with, and also wondering these people for a line. If perhaps when you get a line, a person content with a high grade amount of money, you may start working on an additional firm of your respective selecting and also wondering these people for one more line. Even so, if you consider a high grade you been given is reasonable, then you can definitely submit an application for insurance immediately based on your present wellness standing. love quotes Normally when you buy an estimate, the brokerage house are listed the highest 13 businesses by using “A” reviews for you personally, and they’ll perform looking for the best you so you do not have to. They are going to collection adidas and puma side by side, and provide you with costs each, and provide you with a background upon just about every insurance company. Several of the businesses listed will probably incorporate; Common with Omaha, Azure Combination Azure Shield, Aetna, Gerber, Joined with Omaha, Sentinel Living, Joined Healthcare, and also Woodmen worldwide. All these businesses get “A” reviews, so you need to keep this at heart to determine if a brokerage house that you are working with provides insurance quotes for these particular businesses. Joined with Omaha generally is definitely the most cost effective, based on your health. Enabling the Medicare supplemental insurance Insurance plan brokerage house to assist you to you’ll need for your most affordable insurance quotes won’t just save you time frame, however save you by complications and also issues at the same time. This can be a finest option to acquire, along with the end save you as much as possible. In case you are uncertain pertaining to which will brokerage house to get in touch with or maybe get hold of to assist you to, you can just search on Google for a nearby one, and see if they can support having Medicare supplemental insurance Rates. love quotes Currently, there are certain points that may well increase your 1st high grade. Your funding this Treatment receives, as an example, could affect confidential health supplement insurance plans, and Treatment enlargement (which could reduce and sometimes boost costs). Though the brokerage house you decide goes overall this kind of together with you when you finally sit back and also consult with these people.
Source: blogspot.com

Readily Navigate Medicare Supplemental Plans Online

It is not clear as to why Medigap insurance is vital is it. The above states Part A covers the hospital, Portion B covers the physician; what else is there? This can be where Medicare Insurance coverage becomes tricky for quite a few individuals new for the method. For example Medicare Portion A demands patients cover a deductible if admitted into the hospital. Existing estimates state that deductible is near $1500. This deductible only covers care inside a sixty day period. For example, say you might be readmitted on the sixty first day after you had been released you happen to be required to repay the $1500 deductible. It’s not a deductible that is definitely on an annual basis like a lot of prior insurance coverage plans supplied by employers. Portion B leaves a gap for it fails to cover the very first twenty percent of all doctors’ bill and the annual deductible of about $160 which continues to rise every year. It’s evident that extra coverage is needed to fill in the gaps left by the typical Medicare Aspect A and B. This is where the distinct Medicare Supplement Insurance plans come into play. It truly is vital when hunting into each plan that you simply are in a position to compare Medicare Supplemental Insurance plans and compare rates. Medigap, as it is normally identified, is provided for obtain by way of several distinctive private insurance organizations. One particular factor you have to don’t forget is the coverage is equivalent regardless of exactly where it is bought. If you’re comparing rates and plans and decide on Medicare Supplemental Insurance coverage Strategy f from BC/BS it really is exactly the same coverage as you might get with Bankers Fidelity. The distinction lies inside the rate charged for their services. You will need to figure out when you are prepared to pay added for precisely the same coverage as a way to possess a particular insurance provider. For far more info about hospital plans, Read More
Source: fc2.com

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

Low cognitive ability impairs enrollment in Medicare supplemental plans

Because 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

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

What Is Supplemental Medicare Insurance?

There are several types of Medicare supplement insurance policies. One of them is Medicare Select. This policy requires you get your routine care from medical professionals, clinics and hospitals in your plan’s network. Emergencies are the only time you can only use out-of-network hospitals, or you will have to pay the bill yourself. There are a number of other Medicare supplement insurance plans. Each plan offers a unique group of benefits. Those plans are lettered A through N. All of the companies in the program must offer Plan A. Companies which offer alternative plans must also offer Plan C or Plan F.
Source: todaysseniors.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

Are You Turning 65? Here are Some Steps to Prepare for Medicare

After reaching age 65, if you or your spouse has paid into the Social Security system for 10 or more years, then Medicare Part A (Hospital Insurance) is premium free.  If you do not qualify for free coverage then you can buy Medicare Part A coverage.  Everyone pays a premium for Medicare Part B (Medical Insurance) which is usually automatically deducted from your Social Security check each month.  Additionally, most seniors also purchase a “Medicare Supplemental Insurance policy” to cover costs not paid for by Medicare Parts A&B (co-pays, deductibles, etc.).  Lastly, most seniors purchase a “Medicare Part D Prescription Drug policy” to pay for prescription drugs.
Source: the-sb-lawfirm.com

New Ad From Democrats Attacks Michigan Lawmaker on Medicare

Posted by:  :  Category: Medicare

32.Detroit by Tomato GeezerThe attack ad represents part of a larger strategy by Democrats to make a prominent issue of Medicare, which they perceive as a major political weakness of Mr. Ryan’s budget plan. That tack has already extended to some Congressional races, including ones in Montana and Florida.
Source: nytimes.com

Video: Dan Benishek: A Troubling Record on Medicare

In their opinions: We know it’s a double dip but that’s the law

Because plaintiff’s accident occurred in 1978, it preceded the congressional enactment of the Medicare Secondary Payer provision of the Omnibus Budget Reconciliation Act of 1980, 42 USC 1395y(b)(2)(a), which prevents Medicare from acting as the primary payer for auto accident injuries. The statute only applies to accidents that occurred after December 5, 1980. …
Source: wordpress.com

Covering Medicare: Free training on care, costs, and consequences : BusinessJournalism.org Reynolds Center for Business Journalism

I am digital director at the Reynolds Center for Business Journalism, which I joined in 2009. Before that I was Online Community Manager for azcentral, the online site for The Arizona Republic. Before arriving in Arizona, I worked at Newsday where I was Deputy Business Editor. I was the small business editor at BusinessWeek Online. I teach journalists to use Twitter, Facebook and other social media tools to expand and manage their networks. And I am a cofounder of #wjchat, a weekly Twitter chat about web journalism. You can reach me at Email: Robin.Phillips@BusinessJournalism.org OR RobinJPhillips.com OR @RobinJP
Source: businessjournalism.org

Upper Peninsula hospital makes Medicare fine list

Several downstate hospitals, many in the Detroit area, will be fined the maximum penalty of 1 percent of their base Medicare reimbursement, including Henry Ford Hospital in Detroit, Sinai-Grace Hospital in Detroit, St. John Hospital and Medical Center in Detroit, Beaumont Hospital in Troy, Port Huron Hospital, Garden City Hospital, and St. Mary Mercy Hospital in Livonia.
Source: miningjournal.net

Bentivolio, Taj Talk Medicare, Health Care, Social Security at Fox Run in Novi

When Bill Clinton (D) handed over the presidency to George Bush (R) there was a federal budget surplus. But Bush decided that instead of paying down the debt with the budget surplus, a tax cut was more important. Bush also decided that 2 wars and Medicare part D (drug plan for seniors) should not be paid for but added to the deficit. On top of all the previously mentioned, the removal of the Glass-Steagall Act which happened under the Clinton (D) administration with Republican Congress and the non-enforcement of wall street regulation which lead to a near depression like collapse of the economy in the last year of the Bush presidency are some of the reasons that we have such a budget issue today. So when republicans complain about Obama running up the debt and not fixing the economy fast enough, it is a lot like an arsonist complain that the fireman is taking too long to put out the fire they started. You cannot fix 8 years of damage done by Bush in 4 years no matter how hard you try. Remember Dick Cheney “deficits do not matter”.
Source: patch.com

Nurses Renew Call for Rep. Benishek to Hold Town Halls On Medicare Plan

“In Tampa, Congressman Benishek told those in attendance at the Republican National Convention that he was disgusted by what is going on in Washington D.C.,” said Lonnie Scott, Communications Director for Protect Your Care Michigan. “Congressman Benishek’s constituents are disgusted too; they are disgusted by they fact that their Congressman has been on break for five weeks and has yet to hold a single town hall to hear from the residents of his district.  By voting strictly along party lines and supporting the Romney/Ryan plan to end Medicare as we know it, Congressman Benishek has shown that he is more interested in his party than representing the people of his district.”
Source: enewspf.com

Campaigns Jockey For Upper Hand In Medicare Debate

NBC: Biden Bemoans GOP Medicare Plan In Recession-Ravaged Michigan Campaigning Wednesday in famously recession-ravaged Michigan, [Vice President Joe] Biden bemoaned the consequences of the GOP ticket’s plans for Medicare and said that their proposed changes would exacerbate the sacrifices already made by families on behalf of their elderly relatives. … “It was still a struggle to take care of all my mom’s bills,” he told a crowd of over a thousand at Renaissance High School. “We were able to do it, no complaint, it was an honor. But you know what it did, we had to lie to my mom and tell her, ‘No honey, this is all covered by your Medicare, this is all covered by the sale of your home,’ which it wasn’t” (Dann, 8/22).
Source: kaiserhealthnews.org

Need Help with Medicare Premiums? Enroll in MMAP

Medicare Premium Help is an outreach campaign that works to spread awareness and assist Michigan seniors with their health care premiums. The campaign is part of the nonprofit Michigan Medicare/Medicaid Assistance Program (MMAP) and works through Michigan Area Agencies on Aging. MMAP has already helped thousands of senior citizens since its inception in 1984, and has saved seniors millions of dollars in out-of-pocket expenses. The organization is looking to reach even more seniors this year with the Medicare Premium Help campaign.
Source: patch.com

EARLI Online: hkengis32’s blog: Things You Need To Know About Medicare Part C and

Posted by:  :  Category: Medicare

Things You Need To Know About Medicare Part C and Part D Things You Need To Know About Medicare Part C and Part DPete BakerMedicare Part C is a blend of Part A and Part B plans falling under Medicare insurance. Medicare approved,fake oakley sunglasses, privately owned insurance agencies provide Part C. This is the less expensive option for the primary Medicare coverage and gives added benefits,cheap oakley sunglasses, at the same time comprises Medicare Part D or prescription drug policy up to a point. In short, one who joins Part C will have whole accessibility to Parts A as well as B. Medicare Part C has its group, so all the health professionals and experts that one consults, should be a necessary part of the Medicare policy. Under Part C, a person has a primary health care provider that refers the beneficiary towards other doctors and health specialists. One won’t be able to consult doctors of his/her own choice; the person has to be within the set of physicians allotted to the plan to take advantage of Medicare assistance. If an individual wants to consult out of this team, the procedure or consultation may possibly turn out to be costlier. Under Part C, an individual co-pays for every doctor’s visit. Part C is known as ‘Medicare Advantage’. Numerous insurance agencies create different types of Part C plans and a few might include Part D or Prescription Drugs. A number of Part C plans on the market comprise of PPO, MSA, PFFS, HMO and Medicare special needs. PPO – Medicare Preferred Provider Organisation In a PPO, a person has the liberty to choose his/her own healthcare providers (doctors and specialists) outside the network. The beneficiary might have to shell out of network costs but, has got the liberty to consult medical experts with no recommendation. MSA – Medicare Medical Savings Account Under this coverage, one can either use the ‘high deductible plan’,Cheap Oakley Sunglasses, which will not provide coverage until the mentioned amount of deductible is met. The other is that, Medicare provides a savings account that it manages, to its beneficiary, which has a certain sum of money deposited into it exclusively for the purpose of health care costs. PFFS – Medicare Private Fee For Service Here the beneficiary can see any doctor or specialist of choice without referral only if they concur with the terms, conditions and fees of the PFFS. HMO – Medicare Health Maintenance Organisations Each beneficiary has an HMO network and can choose hospital(s) and medical providers from that network alone. One might require a referral from his/her Primary care physician in order to see a specialist. Medicare Special Needs This plan is usually for persons with special health needs and chronic illnesses. A special plan must include Part A, B and D too. Most Part C plans should have Part D or prescription drug coverage, but if one already has a separate Part D plan then, he/she cannot buy a Part C plan with drug coverage, a Part C plan without a drug coverage has to be bought by such an individual. Anyone who is eligible for Medicare Part A (Hospital Insurance) and Part B (Medical Insurance) is automatically eligible for Medicare Part D (Prescription Drugs). This means anyone who has Part D coverage gets the insurance to pay for a section of his/her prescription medicines, regardless of the cost factor. Related articles:
Source: ac.uk

Video: Differences between Medicare PPO & HMO Plans

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

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.

Medicaid in Three States, and Paul Ryan’s Harmful Plan

Posted by:  :  Category: Medicare

Rally at Todd Akin's office  by joetta@sbcglobal.netYou Can’t Apply Online for Medicaid in Arkansas Most states allow people to apply for Medicaid online. Some states even encourage it! Arkansas does not. Instead, the state wants people to apply in person, and to travel to the Department of Human Services Office in their county. Obviously, this will make it much harder for people to apply for Medicaid. My best guess is that Arkansas is doing this to save money on their Medicaid program. If you can’t apply for it, (even if you are eligible), then it won’t cost the state a penny!
Source: families.com

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

State Roundup: Restraining Order Issued In Mo. Health Exchange Fight

California Healthline: Senate OKs Oral Chemotherapy Mandate Health insurers will need to cover oral chemotherapy medication if a bill passed Monday by the Senate is signed by the governor. Today, the Assembly is expected to concur on AB 1000 by Henry Perea (D-Fresno), a decision that would send the bill to the governor’s desk for a signature. The mandate on oral chemotherapy coverage would not necessarily apply to coverage within the Health benefits for the exchange, but said he has not yet had conversations with the Benefit Exchange. Bill author Perea said he’s talking with legislators about the possibility of including oral chemotherapy medication among the essential health exchange staff. … A similar bill was passed twice before and vetoed both times by Republican Gov. Arnold Schwarzenegger. Perea is hoping for a different outcome with Gov. Jerry Brown, a Democrat (Gorn, 8/22).
Source: kaiserhealthnews.org

A New Anthem Blue Cross and Blue Shield in Missouri

A 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

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

Missouri psychologist faces 20 years in prison for health care fraud

Last week the psychologist, who practiced in the Lebanon area, pled guilty to health care fraud and forgery. By pleading guilty he admitted that from Sept. 17, 2008 until April 5, 2012 he was submitting claims to Medicare and Medicaid for patients that he really did meet with, but not as frequently as he was claiming. He also admitted this scheme resulted in him receiving around $1 million from Medicaid and Medicare for services he did not provide.
Source: criminaldefensemissouriattorney.com

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

Missouri GOP Picks Guy Who Thinks Medicare Is Unconstitutional For U.S. Senate http://t.co/dGttuTeR [ThinkProgress]

2011 2012 about after Against Bill Campaign DailyKos debt fearandvoting From Gingrich health House HuffPost jobs Jones Maddow Marriage Mitt more Morning Mother Obama open Over Paul Perry Plan President Rachel Republican Republicans ReutersPolitics Rick Romney Santorum Says Senate State TalkingPointsMemo TheNation ThinkProgress Thread U.S.
Source: fearandvoting.com

Boisterous Medicare debate dominates House races

Posted by:  :  Category: Medicare

Gang of Six - Cartoon by DonkeyHoteyRepublicans have a tight grip on control of the House – 240 seats to 190 for the Democrats with five vacancies. Democrats need a net of 25 seats to reclaim control. But Republicans and Democrats alike see the GOP maintaining control of the House, with Democrats perhaps gaining upwards of 10 seats or Republicans picking up a handful.
Source: news9.com

Video: AARP Oklahoma Medicare Opinion Leader Forum 8-23-12

Chiropractic Care: Medicare Coverage in Oklahoma

Chiropractic treatment focuses on disorders of the musculoskeletal system and the nervous system. It’s a drug-free, hands on method of correcting injuries resulting in back or neck pain, headaches or pain in the joints of the legs and arms. There are several reasons why you may need to use the services of a chiropractor. An accident, slip and fall or other injury can lead to pain, muscle stiffness and difficulty moving. Often, chiropractic treatment involves making a physical adjustment, called a “spinal manipulation”. The goal is to restore motion, decrease pain and discomfort and help heal damaged tissue. 
Source: oklahomamedicarehealth.com

Senior Benefit Services, Inc.

Effective September 1, 2012 on new business & October 1, 2012 on in force business for United of Omaha 2010 Modernized Medicare Supplement plans (Policies effective on or after June 1, 2010) in Georgia, Iowa, and Oklahoma. The Rate Adjustments will affect plans  A, F, G, and M.
Source: srbenefit.com

Rural Hospitals: IOM Medicare Cuts Would Be “Devasting”

Tags: healthcare employment, healthcare executive recruitment, healthcare executive search, healthcare executive search firm, healthcare jobs, healthcare recruiter, healthcare recruiting, healthcare recruiting challenges, healthcare recruitment, healthcare search firm, healthcare staffing, hospital executive search firm, hospital staffing, interim, interim healthcare leadership, interim leadership, interim management, interim nurse management, interim nursing leadership, interim services, recruiters for hospital executives, rural healthcare recruitment Posted in Healthcare Industry News, News & Events
Source: mhhealthsearch.com

Killing Medicare is just an appetizer

Posted by:  :  Category: Medicare

Harry Reid, Health Care narrow by Truthout.orgAt 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

Video: MEDICARE SUPPLEMENTAL INSURANCE

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

 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

Daily Kos: PPP reveals NO BOUNCE for Romney in FL and NC

The convention didn’t seem to give Romney much of a shot in the arm–33 percent of Floridians and 34 percent of North Carolinians said they were more likely to vote for Republicans after the convention.  Plus, 51 percent of North Carolinians think Romney should release 12 years of tax returns, while 42 percent shouldn’t.  That should really make Romney nervous, since North Carolina is the next most likely Obama state from 2008 to flip (everyone knows Indiana has already flipped).  It’s about the same in Florida–49 percent of Floridians think Romney should release more returns, while 42 percent don’t.  In both states, the Ryan Medicare plan is a hard sell.  North Carolinians oppose it by a 47-41 margin, while Floridians oppose it by a 44-37 margin.  PPP thinks, however, that Ryancare might not be much of an issue in those states since Romney has a hefty advantage with seniors in both states.
Source: dailykos.com

Ethics Education and Psychology: N.C. psychologist admits to $63 million Medicare, Medicaid fraud

Serena Joslin, 31, admitted to participating in a fraud scheme operated through Health Care Solutions Network (HCSN), which operated partial hospitalization programs (PHPs), or intensive mental health treatments for severe mental illness, in Miami and Hendersonville.
Source: papsyblog.org

More on North Carolina’s Medicaid Choice

ACA Affordable Care Act Amendment One Balancing the budget is a progressive priority budget deficit cadillac tax cbo Charles Blahous CLASS Act college tuition cost effectiveness debt ceiling debt limit deficit dual eligibles end of life fiscal commission health care costs health reform hospice Hospice/Palliative Care hospitals individual mandate IPAB Long Term Care Long Term Care Insurance Medicaid Medicare Medicare Advantage SNP National Flood Insurance Program Negotiated Rulemaking NHS On The Record Patients’ Choice Act Paul Ryan rationing RWJF skin in the game smoking smoking cessation social cost of smoking Social Security Super Committee tax expenditure tax reform
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

Medicare and Retired Military : VFW NC District 6

An important function of veterans fraternal groups is service to fellow veterans, their widows and their families.  We meet a lot of people and we often find that they need answers to these and other important questions. It could be about VA care, assisted living, death benefits, Medicare, and VA claims.  We are not experts, but an informed member can better assist others.  We should be able to provide basic information and then point a veteran in the right direction for the help they need.
Source: myvfw.org

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

Madame Defarge: Why ALL the NC LME’s Will Suffer Shortfalls: the Private MH Companies Creates by NC Mental Health Reform are STACKING SERVICES

http://www2.journalnow.com/news/2012/aug/14/wsmain01-a-fight-for-community-ar-2517057/?referer=None&shorturl=http://bit.ly/Nv2ob4#fbcomments __________________________________________________________________________ “The LME’s are suffering a shortage of money due to the process that NC Mental Health Reform put into place, as deemed by the NC state legislature, which was to create private companies (the argument was that competition was ‘good’ for the business: nevermind that mental health consumers have no money and it is public money e.g., medicaid, medicare). These private companies STACK SERVICES which is to say that if a Medicaid consumer is referred to a company by the LME, which they always are (I have not been allowed, as a solo provider to work as an In Network Provider for Western Highlands Network LME in western NC), the clients/ consumers are given the following services by such a company: CST (Community Support Team: enhanced beneficts); therapy; PSR (Psychosocial Rehabilitation; the client attends ‘classes’ 5 days/ week, 9 to 3 pm, as associated with a more or less cognitive rehabilitation model), etc.. Arthur Carder, CEO of WHN LME for about 12 years now, was fired about two weeks ago as WHN LME had a shortfall of $3 million and the reason given in the well written news article (see my blog: google up: Marsha Hammond Madame Defarge: if I put the URL in here, this will not post) was that STACKING of services had caused the shortfall. So, NC DHHS, in conjunction w/ NC State Legislators, have created the mini-monsters which are the private companies which stack services. I have several clients who continue—as they have for some time—to receive therapy services from me (they are dually eligible clients, w/ Medicare always being primary and paying the bulk of the fee and medicaid being primary) who receive Medicare services from me and these stacked services which are paid for by Medicaid ONLY. This is idiocy.  I am a doctoral level psychologist, who knows well my clients, is able to render an array of services for clients, and yet these private companies, put into action by NC Mental Health Reform, are going to bankrupt Medicaid as associated w/ mental health services in NC due to the STACKING OF SERVICES. This asking for money will not stop until this STACKING OF SERVICES matter is tackled. Oh, did I mention that we need a ONE PAYER SYSTEM which would collapse Medicaid and Medicare into one entity such that these kinds of duplicitous services could not take place. “
Source: blogspot.com

Two NC Medical Groups Win ACO Designation

As created under the federal health reform law, ACOs are networks formed by groups of doctors, hospitals and other health care providers to receive financial incentives for coordinating care for people with Medicare, the federal health insurance program for seniors and people with disabilities. Triad Healthcare Network and Cornerstone Health Care, made agreements with CMS to monitor the quality of care for Medicare patients in exchange for a share in savings they realize.
Source: northcarolinahealthnews.org

Romney names Paul Ryan his No. 2

The fact that changes to Medicare,Medicaid & Social Security won’t affect those 55 and older gives me no sense of security. The Republican agenda only seems directed at security for the wealthy so I fear that their leadership is capable of anything if given the power. I also get no satisfaction from knowing that if I support Romney/ Ryan, I am essentially throwing my children, my grandchildren and those of my fellow Americans under the BUS by allowing these programs to change. My recent experience with my elderly father opened my eyes to the importance of these entitlement programs. Keeping my father at home and seeing to his medical needs slowly became impossible, he lost both his physical and mental capacities over time. He had no funds to pay out against what is being called a Voucher System. My Father died with the dignity of knowing his debts and funeral would be paid and his good name protected. Millions of us face this situation each year and until we do we may not quite appreciate the values of these programs. We can all pay a little more and the wealthy can pay a lot more to protect these vital programs. My family will proudly support and vote for OBama/Biden. We will support the re-establishment of American Industry as this is the only solution to our economic distress.
Source: wwaytv3.com

Deroy Murdock Explains How to Promote Paul Ryan’s Proposed Medicare Reform

Posted by:  :  Category: Medicare

Choose Love Over Fear by elycefelizThe Medicare-reform proposal of presumptive GOP running-mate Paul Ryan is precisely as extreme as the health plan available today to every member of Congress. Ryan envisions average seniors’ being able to enjoy Capitol Hill–style medical options. This itself, however, would be a choice. Seniors who oppose choice in health coverage will be 100 percent welcome to remain within traditional Medicare. …Wyden-Ryan mirrors the way federal legislators buy health insurance. As FactCheck.org’s Brooks Jackson notes, “House and Senate members are allowed to purchase private health insurance offered through the Federal Employees Health Benefits Program, which covers more than 8 million other federal employees, retirees and their families.” …As FactCheck.org, elaborates, “All plans cover hospital, surgical and physician services, and mental health services, prescription drugs and ‘catastrophic’ coverage against very large medical expenses . . . There are no exclusions for preexisting conditions.” Participants may change plans during annual “open season” periods. Also, the government pays 72 percent of the average worker’s premium, with a maximum of 75 percent. Democrats cannot explain why Medicare recipients need to become congressmen to enjoy such choices in health coverage. If Ryancare, in essence, is good enough for senior citizens like Nancy Pelosi and Harry Reid, it’s good enough for any senior who wants it after 2022.
Source: townhall.com

Video: PAUL RYAN’S MEDICARE PLAN: “DEATH PANEL” FREE

Brad DeLong: Paul Ryan Says Alice Rivlin Would Like His Medicare Plan. Alice Rivlin Disagrees

Paul Ryan Says Alice Rivlin Would Like His Medicare Plan. Alice Rivlin Disagrees: When Paul Ryan introduced his proposal for converting Medicare into a system of “premium support,” he reminded everybody that it closely resembled another Medicare proposal—one he’d developed with Alice Rivlin, the Brooking scholar and former Clinton Administration advisor. “Alice Rivlin is a great, proud Democrat,” Ryan said. “This path to prosperity builds upon those Ryan-Rivlin plans that we put in here.”…
Source: typepad.com

Brane Space: Learning More About Why Medicare Is Approaching Insolvency

Well, you really do learn something new every day! This is in respect to a letter of mine published several days ago in the local rag, in reply to a nurse (“Wendy Smith”) who said she worked on a cancer ward at local hospital and bemoaned the lack of sufficient resources to a visiting official from CMS. (The federal agency that oversees finances for Medicare). According to Ms. Smith the guy told her that never mind, they are effectively “moving deck chairs on the Titanic anyway”. Huh!? Anyway, in her missive Ms. Smith the nurse then jumped out and said THIS is why she is supporting the Paul Ryan plan to “save” Medicare! I then submitted a letter which read as follows: “As a Medicare recipient who’s recently been diagnosed with prostate cancer, I feel Wendy J. Smith’s (Aug. 25) anguish at the future prospects for that program. However, Paul Ryan’s voucher plan is absolutely not the way to right the Medicare “ship”. To be blunt, if currently (at age 66) I had to go cap in hand with a $10,000-$15,000 Ryan-voucher to try to snag an insurance company to pay for my care, I’d likely be laughed out of their offices! They’d probably think I was some kind of comedian out to try his new shtick. No lie! A huge assumption with Ryan’s plan is that having been handed this voucher, but with no government assurances mandating coverage (as exists now, including with Medicare Advantage), seniors will just be able to pick and choose the insurance company they want. I have news for them: NONE of those companies will be fighting to grab a bunch of oldsters in a high risk health pool! Especially, if you have so much as a pre-cancerous mole! If insurance companies do sign on and accept already infirm oldsters (like me) it’ll likely be with ginormous deductibles attached, say like $10,000 a year. How long will your voucher last then? The only way to right Medicare is to increase revenues (say by increasing the payroll tax threshold to cover at least $1m of income). Americans must grasp they can’t have their piddly (except for the uber-wealthy)tax cuts and future benefits too!” One local yahoo couldn’t even get my name correct on the online (Facebook) forum reply (referring to me as ‘John’) and asserted I ought to stop peddling Dem propaganda and learn more of Ryan’s plan which actually permits people to remain in original Medicare. (Technically, this doofus is wrong, since that ‘remain in’ proviso was only appended LATER by Oregon Dem Rep Ron Wyden, in order to try to gain the plan more favor. So that was actually part of the Wyden-Ryan plan, not the strict Ryan original plan! ) Anyway, another respondent asserted I was wrong about the payroll tax threshold and in fact, ALL of wages were covered. Double ‘Huh?’ I’d always assumed that the Medicare payroll taxes withheld were identical to Social Security – or 6.2% per taxpayer- and only covered up to the same defined wage limit (currently $110,000). My mind could not wrap itself around how a program that was becoming more insolvent than Social Security could be funded less. But alas, it’s true. Though Medicare withholding tax does indeed apply to ALL wage scales, it is of a pitiful amount, only 1.45% to be exact! This measly scrimpy rate will only be changed as of next year if Obama’s Patient Protection and Affordable Care Act is preserved, in which case – according to an IRS information site: “For taxable years beginning after Dec. 31, 2012, employers will be required to withhold additional amounts from the wages of high-earning employees. The Medicare tax rate will increase by .9 percent (from 1.45 percent to 2.35 percent) on wages over $200,000 for single filers, wages over $250,000 for joint filers, and wages over $125,000 for persons who are married but filing separately. ” And, in addition: “Beginning with tax year 2013 , single taxpayers who earn more than $200,000 and married taxpayers with combined income of more than $250,000 will face a new 3.8 percent Medicare tax on their investment gains. The tax will apply to investment income including interest, dividends, capital gains, rents, royalties and the taxable portion of an annuity payout. ” So on researching all this, my immediate and stunned reaction was: NO WONDER MEDICARE IS GOING BROKE! It’s totally underfunded! It needs to be funded across ALL wages at 6.2% not 1.45% or even a miserly 2.35%, especially when Medicare Advantage programs are bleeding it dry by their higher costs, to the tune of $12 billion a year! As I said, you learn something new every day!
Source: blogspot.com

Frank J. Weinstock: Medicare – good or bad?

There is a major consideration — Medicare Advantage (Medicare from private insurance companies) may be somewhat less expensive, but there may be restrictions. The major problem that has bothered my patients, and myself, is the fact that they are often not covered by certain physicians or hospitals that are not in their network. This may be very limiting if the patient wants to see an out-of-network physician or hospital for a special problem. Permission is not always given. The other restriction is that, for people who travel or have two homes, there may be a very limited choice of physicians or hospitals.
Source: healthtipsblogspot.com

Vouchers for Medicare: An Awful, No Good, Very Bad, and Terrible Idea

Elias Isquith is a freelance journalist and blogger. He considers Bob Dylan and Walter Sobchak to be the two great Jewish thinkers of our time; he thinks Kafka was half-right when he said there was hope, “but not for us”; and he can be reached through the twitter via @eliasisquith or via email. The opinions he expresses on the blog and throughout the interwebs are exclusively his own.
Source: ordinary-gentlemen.com

Democrats Plan Attack On GOP Medicare Plan

The Wall Street Journal: Democrats Return Fire Quickly On Medicare The Obama campaign plans a counterattack against Republican proposals to overhaul Medicare, with the aim of showing at next week’s Democratic convention that the president’s plan offers more economic security for Americans. At their convention in Tampa this week, Republicans have thrust Medicare into the heart of the presidential campaign by trumpeting a plan to shift Medicare beneficiaries to private insurance plans. Democrats on Thursday seized on Republican vice-presidential nominee Paul Ryan’s prime-time speech, saying that his approach to Medicare would leave the elderly high and dry (Radnofsky, Meckler and Nicholas, 8/30).
Source: kaiserhealthnews.org

Popular Medicare insurance Supplement Plans J And F

Obviously, you will find other supplemental plans to select from including Plans A, B, C, D, G, E, K, and L. Diets are less costly than their more comprehensive alternatives, and can provide benefits which are more common claims. Furthermore, several service providers offer high deductible Medicare supplement plans. (Supplemental coverage having a high deductible will not pay benefits before the consumer has arrived at their deductible.) However, the J and F plans remain most widely used with senior citizens who would like to have thorough insurance coverage.
Source: insurancedo.com

Issue Worth Exploring: Raising the Medicare Eligibility Age May Harm Minorities

Candidate Position, Quotation, Person Career, Social Issues, Federal assistance in the United States, Healthcare reform in the United States, Presidency of Lyndon B. Johnson, Medicare, Paul Ryan, United States National Health Care Act, The Path to Prosperity, Economy of the United States, Social Security, Politics of the United States, Government, Medicaid, J. Duncan Moore Jr., Congressional Budget Office, WIS, Mitt Romney, Republican Party, purchase insurance, media coverage, congressman, co-founder, The Medicare NewsGroup, Association of Health Care Journalists, substitute insurance, health insurance, chair, Washington, Maya Rockeymoore, National Committee, presidential race
Source: reportingonhealth.org

beloved Medicare Supplement Plans J And F

Of course, there are several other supplemental plans to pick from along with Plans A, B, C, D, G, E, K, and L. These plans are less expensive than their more allembracing counterparts, but will contribute benefits for the most base claims. Additionally, several carriers offer high deductible Medigap plans. (Supplemental coverage with a high deductible won’t pay benefits until the buyer has reached his or her deductible.) However, the J and F plans remain most beloved with seniors who wish to have appropriate assurance coverage.
Source: blogspot.com

Medicare program offers insight into nursing home safety

Posted by:  :  Category: Medicare

'The election of Obama would, at a stroke, refresh our country's spirit' by Renegade98Families in South Carolina can use this free resource to help narrow down the facilities that seem like the best fit, and then conduct in-person visits from there. Nursing home negligence is a top concern among families who require residential placement for their loved ones, and Nursing Home Compare can help shine a light on which facilities offer the highest standard of care. For those families who believe that their loved one has experienced nursing home negligence or abuse, the first step is to investigate the avenues available for legal recourse. A well-executed lawsuit can not only result in punitive measures for the individuals and institutions responsible, but can also give families the financial means to secure quality care for their loved one.
Source: florencescpersonalinjuryattorneys.com

Video: South Carolina Medicare

Medicare in South Carolina

Curious about Medicare Supplements in the southern state of South Carolina? Click to learn the basics! Stay informed http://www.medicaresupplementsmadeeasy.com/2012/medicare-supplement-articles/south-carolina-medicare-medicare-supplements.php
Source: medicaresupplementsme.com

Medicare: Know Your Rights, Recognize Fraud

“Cold” call or use door-to-door marketing. Insurance agents may contact you about your current plan if you are enrolled in a plan with their company. Insurance companies may contact you for a disenrollment survey if you leave the plan. Insurance companies may contact you if you have given them permission to contact you. (Note: signing up for information at an event or returning a postcard counts as “permission.”) With your permission, an agent may schedule a time to meet with you in your home, but he/she may not come unannounced.
Source: thagroup.org

Grandstanding Over Medicaid Begins in Florida, South Carolina

Nevertheless, this is a good argument for one of my favorite policy prescriptions: we should federalize Medicaid. There’s never really been any good argument for making it a joint state-federal program, and there are plenty of good arguments for taking this monkey off the backs of state budgets and letting the federal government run the whole thing, just like they do with Medicare. Now, with the Supreme Court imposing new limits on federal authority to manage joint programs, we have yet another argument for federalizing it.
Source: motherjones.com

Medicaid Expansion: Costs or Savings for South Carolina?

Good news is that more people will be covered under the program, and though it will cost more in Medicaid, it will mean savings elsewhere for South Carolina.  Although the Milliman report includes significant state savings from increased drug rebates ($335.5 million), lowered costs for uncompensated hospital care ($217.5 million) and four years of enhanced federal match for the Children’s Health Insurance Program (CHIP) ($130.2 million), it does not look at state savings outside the SCDHHS budget. Those would include significant increases to the number of Department of Mental Health patients made eligible for Medicaid, meaning that the feds would pick up at least 90% of costs now paid by state dollars. Nor does it address eliminating coverages for those currently eligible at above 138 % of FPL. That includes pregnant women who would be eligible for subsidized private insurance through the Health Benefits Exchange, so no longer need Medicaid coverage
Source: theruoffgroup.com

Campaign Headlines August 16, 2012: Mitt Romney Discusses Medicare Reform Plan at Press Conference in South Carolina

MITT ROMNEY: “But I would note that the President has a plan for people who are 55 years and older. If Obamacare is allowed to be installed, Medicare will be raided by $716 billion. The President takes $716 out of the Medicare trust fund to pay for Obamacare. I think this is something which seniors are going to be very concerned about. Paul Ryan and I are talking about what adjustments we should make to Medicare for young people so that when they come along and become seniors, that they have a program that’s solvent. Under the current projections, Medicare will be insolvent in 12 years, and that’s not acceptable to me. That’s why we have worked very hard to come up with a solution. But, the idea that the President has put forward, cutting $716 billion out of Medicare? I think that’s a real mistake.”
Source: wordpress.com

Obama And Romney Offer Competing Medicare Visions

The New York Times: Romney Says He Paid At Least 13% In Income Taxes Now, after Mr. Romney’s decision to name Representative Paul D. Ryan of Wisconsin as his vice-presidential choice, the campaign is instead waging an aggressive battle on Medicare, welfare and Mr. Obama’s character. That change in focus can be seen in the campaign’s ads and in Mr. Romney’s speeches. And it stands in contrast to the approaches of some Republican Congressional candidates, who said Thursday that they intended to wage their own campaigns strictly on economic issues. “We are staying on our message,” said Chris Collins, the Republican candidate in New York’s 27th District, near Buffalo. Mr. Collins said that Republicans should welcome the Medicare debate, but that in his own campaign, “every time anything comes up, I bring it back to the economy, the economy, Obamacare” (Shear, 8/16).
Source: kaiserhealthnews.org

Agent Manager, Medicare and Retirement

Posted by:  :  Category: Medicare

OBAMAS DEATH PANEL------ GUESS WHAT FOLKS IT'S ALIVE AND WELL---"CRAZY PALIN" NOT SO CRAZY NOW by SS&SSThe purpose of this job is to supervise Independent Career Agents (ICA’s) who sell the UnitedHealth Group (UHG) portfolio of products offered to Medicare beneficiaries and individuals age 50 . The ICA Supervisor is responsible for achieving assigned sales/membership growth targets through ICA’s in his/her territory/territories. ICA’s are not employees of UHG but rather independent sales agents who contract exclusively with UHG to sell this portfolio of products. ICA’s may sell additional/alternative products that do not compete with this UHG product portfolio (e.g.; life insurance, home insurance).
Source: insurancesalesweb.com

Video: Social Security: What it is: Straight Talk on Medicare and Social Security from AARP Oregon

Medicare Presentation Saturday

Topics to be covered include how to get Medicare, important deadlines to purchase additional insurance or prescription drug coverage, what happens if persons continue to work after becoming eligible for Medicare, how to compare Medicare supplements, how to evaluate long-term care insurance, and much more – including the latest developments in the Medicare program.
Source: therconline.com

Boomers retiring to rural areas won’t find doctors — 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

Wyden’s Medicare collaboration with Ryan puts him center stage for 2012

Jeff – I think we all agree that these programs need some adjustment but like everything else the devil is in the details. Social Security is an easy fix…right now the eligibility is gradually increasing up to 67 done thanks to President Reagan. The age should continue to increase gradually until it reaches 70. Additionally, lift the $106,000 cap on income possibly to $250,000 or more. That’s all that needs to be done for SS. Now Medicare….increase the FICA contribution that we all pay. Believe me I would pay a little more out of my paycheck in heartbeat to get the great benefit that Medicare offers seniors. If Americans knew how good the benefits were, no one would complain about a few dollars more out of your paycheck. But no, that would be too easy. Republicans have to give wealthy individuals yet another tax break on top of the two they already have. In order to achieve that they have to tell the American people what dire straits Medicare is in and the only way….the only way….we can fix it is to reduce benefits drastically for all those Americans under the age of 55. BULL S**T. They are trying to sell the American people a load of it. Republicans have no interest in saving Medicare. They’ve been trying to get rid of it since its’ inception in the ’60s. Don’t let these people fool you. Once the Republican camel has his nose under the tent……Medicare will be a wistful memory….these people have no shame and Paul Ryan is the biggest cheerleader for the “I’ve got mine” crowd. He loves enriching the 1% and has no use for the middle class or the working poor. In his world view, they are not the important people.
Source: nbcnews.com

Chas’ Compilation: Truely Bipartisan Health Care Reform

  In Oregon, for example, 56 percent of seniors currently get all or some of their health coverage from a private plan. (15 percent of Oregon seniors purchase private Medigap policies to supplement their traditional Medicare, while 41 percent of Oregon’s Medicare beneficiaries are enrolled in private health insurance plans through Medicare Advantage.)Wyden-Ryan would allow seniors to continue to choose between the traditional government-administrated Medicare option and privately administered plans.  But instead of maintaining separate programs, Wyden would make those private plans more robust and accountable by forcing them to – for the first time – compete directly with traditional Medicare. Every private plan that participates in the program would be required to offer health benefits that are AT LEAST as comprehensive as those offered by traditional Medicare and premium support payments would be pegged to the actual cost of health care in a given area, determined by an annual competitive bidding process.  Therefore, every senior – whether they get their health insurance from a private plan or the government – will be guaranteed to have the high quality health benefits that has long been Medicare’s promise. How will Wyden-Ryan ensure that private insurance companies don’t take advantage of seniors? All participating private plans will be required to offer benefits that are at least as comprehensive as traditional Medicare, with such standards enforced by the Centers for Medicare and Medicaid Services.  Any plan that is found taking advantage of seniors or providing inadequate care will be kicked out of the system. Cherry picking healthier seniors will be made unprofitable by robust risk-adjustment, and the Medicare Exchange where plans will seek to offer coverage to seniors, will be policed by the federal government. It is worth noting that the Medigap law Senator Wyden authored to regulate the private market for Medicare’s supplemental insurance market has been protecting seniors from unscrupulous insurance practices for more than two decades. How will Wyden-Ryan guarantee that health care will be affordable for all seniors? Isn’t it just a voucher? A voucher suggests giving seniors a fixed amount of money indexed by a set rate of growth that may/may not have anything to do with the actual growth of health insurance costs.  Vouchers would not guarantee that seniors could afford health coverage.  (This is what the last year’s House Republican Budget did.) Wyden-Ryan does not give seniors vouchers.  Instead Wyden-Ryan would guarantee that seniors can afford their health insurance premiums by giving seniors premium support payments, the amount of which will be determined by the actual cost of insurance premiums each year. It would do this through a competitive bidding process in which private insurance plans, wanting to cover Medicare beneficiaries, would submit their benefit packages and the amount they will charge in premiums for the upcoming year.  The amount seniors receive in premium support will be determined by either the cost of traditional Medicare premiums or the second cheapest private plan available on the exchange (whichever is cheaper.)  This process will take place each year, so if health care costs – and therefore insurance premiums — grow dramatically from one year to the next, so will the premiums support payments that seniors get to pay for them – thus ensuring that every senior can afford their health insurance premiums. And again, every private plan in the Medicare exchange will be required to offer benefits that are at least as comprehensive as those offered by traditional Medicare. […] It’s not a “Radical Plan to Kill Medicare”. It actually builds on the Medicare options that already exist, in a way that will both control costs and offer more choices. And it’s a plan we can actually afford! It’s definitely worth reading the whole thing. It’s pretty much the same Medicare plan that Paul Ryan is advocating on his website. In an interview for Human Events, Ryan explains the history of bipartisan support for the reforms he’s advocating.    
Source: blogspot.com

Seniors Lose $716 Billion Cut Out Of Medicare

The Obama campaign says that any money taken out of Medicare is offset by reforms to the program that reduce fraud and waste. Specifically those reforms that reduce payments to hospitals, doctors and other healthcare organizations under Medicare Advantage noting that their plan will keep Medicare running through 2024. Romney calls the figures put out by the Obama campaign unrealistic and that the cuts in payments will cause doctors too stop accepting Medicare patients.
Source: medfordcitysearch.com

Brane Space: Learning More About Why Medicare Is Approaching Insolvency

Well, you really do learn something new every day! This is in respect to a letter of mine published several days ago in the local rag, in reply to a nurse (“Wendy Smith”) who said she worked on a cancer ward at local hospital and bemoaned the lack of sufficient resources to a visiting official from CMS. (The federal agency that oversees finances for Medicare). According to Ms. Smith the guy told her that never mind, they are effectively “moving deck chairs on the Titanic anyway”. Huh!? Anyway, in her missive Ms. Smith the nurse then jumped out and said THIS is why she is supporting the Paul Ryan plan to “save” Medicare! I then submitted a letter which read as follows: “As a Medicare recipient who’s recently been diagnosed with prostate cancer, I feel Wendy J. Smith’s (Aug. 25) anguish at the future prospects for that program. However, Paul Ryan’s voucher plan is absolutely not the way to right the Medicare “ship”. To be blunt, if currently (at age 66) I had to go cap in hand with a $10,000-$15,000 Ryan-voucher to try to snag an insurance company to pay for my care, I’d likely be laughed out of their offices! They’d probably think I was some kind of comedian out to try his new shtick. No lie! A huge assumption with Ryan’s plan is that having been handed this voucher, but with no government assurances mandating coverage (as exists now, including with Medicare Advantage), seniors will just be able to pick and choose the insurance company they want. I have news for them: NONE of those companies will be fighting to grab a bunch of oldsters in a high risk health pool! Especially, if you have so much as a pre-cancerous mole! If insurance companies do sign on and accept already infirm oldsters (like me) it’ll likely be with ginormous deductibles attached, say like $10,000 a year. How long will your voucher last then? The only way to right Medicare is to increase revenues (say by increasing the payroll tax threshold to cover at least $1m of income). Americans must grasp they can’t have their piddly (except for the uber-wealthy)tax cuts and future benefits too!” One local yahoo couldn’t even get my name correct on the online (Facebook) forum reply (referring to me as ‘John’) and asserted I ought to stop peddling Dem propaganda and learn more of Ryan’s plan which actually permits people to remain in original Medicare. (Technically, this doofus is wrong, since that ‘remain in’ proviso was only appended LATER by Oregon Dem Rep Ron Wyden, in order to try to gain the plan more favor. So that was actually part of the Wyden-Ryan plan, not the strict Ryan original plan! ) Anyway, another respondent asserted I was wrong about the payroll tax threshold and in fact, ALL of wages were covered. Double ‘Huh?’ I’d always assumed that the Medicare payroll taxes withheld were identical to Social Security – or 6.2% per taxpayer- and only covered up to the same defined wage limit (currently $110,000). My mind could not wrap itself around how a program that was becoming more insolvent than Social Security could be funded less. But alas, it’s true. Though Medicare withholding tax does indeed apply to ALL wage scales, it is of a pitiful amount, only 1.45% to be exact! This measly scrimpy rate will only be changed as of next year if Obama’s Patient Protection and Affordable Care Act is preserved, in which case – according to an IRS information site: “For taxable years beginning after Dec. 31, 2012, employers will be required to withhold additional amounts from the wages of high-earning employees. The Medicare tax rate will increase by .9 percent (from 1.45 percent to 2.35 percent) on wages over $200,000 for single filers, wages over $250,000 for joint filers, and wages over $125,000 for persons who are married but filing separately. ” And, in addition: “Beginning with tax year 2013 , single taxpayers who earn more than $200,000 and married taxpayers with combined income of more than $250,000 will face a new 3.8 percent Medicare tax on their investment gains. The tax will apply to investment income including interest, dividends, capital gains, rents, royalties and the taxable portion of an annuity payout. ” So on researching all this, my immediate and stunned reaction was: NO WONDER MEDICARE IS GOING BROKE! It’s totally underfunded! It needs to be funded across ALL wages at 6.2% not 1.45% or even a miserly 2.35%, especially when Medicare Advantage programs are bleeding it dry by their higher costs, to the tune of $12 billion a year! As I said, you learn something new every day!
Source: blogspot.com