Need Help Selecting a Medicare Prescription Drug Plan?

Posted by:  :  Category: Medicare

Does just thinking about selecting the right Medicare prescription drug plan send you into a panic? You’re probably not alone as over 100,000 Granite Staters wander through this process every year during Open Enrollment. See Also: 8 Things You Can Do During Medicare Open Enrollment   Medicare Open Enrollment – October 15 through December 7 – is the one time each year when ALL people with Medicare can see what new benefits Medicare has to offer and make changes to their coverage for Part C (Medicare Advantage health plans) and Part D (Medicare prescription drug coverage.) “Open enrollment is a good time for people to review their current plans,” said AARP New Hampshire State Director Kelly Clark. “Insurance plans can change their prescription coverage and out-of-pocket costs. We want to make sure AARP members and others get the best coverage at the best price.” For those wanting assistance in finding the right choice for their particular health needs and preferences, help is just a phone call away. New Hampshire ServiceLink’s Medicare specialists are available to offer free, confidential and unbiased assistance. Make an appointment online for the ServiceLink office nearest you, call toll-free at 1-866-634-9412. ServiceLink Resource Centers and Medicare Specialists can be found in several locations:
Source: aarp.org

Video: South Dakota Medicare Advantage Plans

South Dakota Medicare Part D Plans

If all your medications are included in a basic formulary, an you enroll in an enhanced plan, you could be wasting some money. In this case you may be better off finding a basic plan with a low or $0 deductible. There are many things to consider when choosing a Part D plan. Be sure you are not paying too much for what you really need.
Source: partdplanfinder.com

Romney, Ryan take Medicare case to New Hampshire

Ahead Apos S Barack Obama Campaign Trail Congress Debate Democrats Economy Election Year Fox News Gop Interactive Corporation Iran Jobs Justice Department Lawmakers Marriage Massachusetts Governor Mitt Romney Nasdaq New Hampshire Newt Gingrich Nyse Obama Paul Ryan Pentagon Polls Presidential Campaign Presidential Candidate Presidential Race Prnewswire Republican Republican Presidential Candidate Republicans Rick Santorum Sioux Falls South Carolina South Dakota Supreme Court Syria United States Violence Vote White House Wins
Source: southdakotanewswire.org

Are Medicare Supplemental Insurance Costs The Same Throughout The U.S.?

Medicare supplemental insurance costs are based on a number of factors that vary from state to state. The amount of care required by a population can make a difference, as states with an older average population, for example, are charged more as the elderly generally require more care than a younger population. Some states offer better care, such as easier access to cutting-edge technology, better pharmaceutical care, and more outpatient therapy options; however, as these cost more, Medicare must also charge more just like other insurance carriers to make up the difference. For example, in 1996, those first purchasing a BC/BS Plan F in South Dakota would $778, as opposed to $1531 for Floridians.
Source: seniorcorps.org

Easy Quote System Simplifies Long

Get Social Traffic – Social Media Marketing  solutions to help you expand your brand presence, increase traffic, increase conversions, develop repeat business, generate leads, improve sales and in turn maximize your Return on Investment in this “new” media. Social media marketing is an exceptionally economical mode of advertising through social media channels and social media campaigns and packages are designed to attract massive amount of visitors to your website, brand and locations. Whether you want to sell products, or offer services, are B2C, or B2B, Social media marketing is the powerful method that when managed effectively will deliver you profits and customer / client loyalty in the long run.
Source: aspa-mail.com

Obermueller to Hold Medicare, Social Security Round Table in Eagan

Obermueller is a former state legislator who represented the seat once held by Tim Pawlenty. He grew up working on his parents’ small dairy farm, and worked to put himself through college and law school. Obermueller lives in Eagan with his wife Sara, and their two teenage sons. He volunteers at St. Thomas Becket Catholic Church, as a youth basketball coach and is an active member of the Dakota County Regional Chamber of Commerce.
Source: patch.com

Excess Readmissions Mean Lower Medicare Reimbursement Rates for More than 2,000 Hospitals, Including 131 in Florida

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Source: wordpress.com

Automatic Budget Cuts Will Reduce Medicare Payments To Doctors, Providers By $11 Billion

Lawmakers could still act to stop the cuts if they think doing so is in their best interests. In order to avoid a government shutdown in the middle of election season, party leaders in both chambers just cut a deal to prevent the government from running out of money when the fiscal year ends in September. The House voted yesterday to approve the six-month package and the Senate is expected to send it to Obama next week.
Source: aarp.org

HMOs Decline, Consumer Plans Rise As Health Insurance Option

Posted by:  :  Category: Medicare

Maryland Health Insurance Plan Federal Press Announcement by MDGovpics“Employers are beginning to explore innovative solutions that focus on both the short-term need to manage health care costs and the longer-term requirement to change underlying behavior patterns, shifting the focus from ‘caring for the sick’ to ‘actively managing the health of their employees,’” Maureen Fay, senior vice president and head of Aon Hewitt’s Consumer Directed Health Plan (CDHP) working group said in a statement. “Consumer-driven health plan designs are becoming increasingly popular among employers because they provide them with a vehicle for promoting consumerism and a framework for educating and motivating employees to actively engage in understanding and managing their health.”
Source: reevewillknow.com

Video: What a Single Payer Health Insurance Plan Looks Like

Health Insurance Costs Continue to Rise for Individuals and Small Businesses

The small-business health care tax credit in the Affordable Care Act was meant to increase the number of small businesses offering insurance by offering a credit for businesses with 10 or fewer employees with average wages below $25,000. The KFF report has seen no significant impact, except when health insurance coverage from companies with less than 10 employees inexplicably spiked in 2010, but returned to the 60 percent range in 2011, remaining steady today.
Source: insuremonkey.com

Health Insurance Plans Exempt From ErisaHealth Insurance Medical

From our detail discussion it can be said that what a health insurance is known to all hopefully. As we are to discuss about the Medicare supplement plans or the Medigap plans that is why it is better to say that a health insurance plan is a helping aid for your unexpected medical costs. It is a contract between an individual and an insurance company in which the type and amount of health care costs that would be covered by the plan are specified and for which the individual agrees to pay premiums. These contracts are renewed either monthly or annually. But his basic thing is slightly different in our policies. From its very name you can imagine that there is some gap coverage between two things. Actually the original Medicare health plans are under government administration but these plans fails to pay all the costs spent in a treatment of the policy maker. In this position the person may face some real difficulties to have short of money. For their advantages solely some private companies have introduced this plan named Medigap plans or Medicare supplements plans which truly supplement the original plans responsively.
Source: healthinsurance-medical.com

Romney’s New Health Care Plan

“That’s another thing that was eye-opening for us. When we sat down with the actual text of Obamacare, we couldn’t find the death panels at all. I know — total surprise, right? But when Sarah Palin talked about how her child would have to go before a board of bureaucrats who decided whether his life was worth living or not, it turns out she was totally mistaken — there’s nothing in there like that at all! You could have knocked me over with a feather when we found this out. I mean, we read the whole thing a number of times, since we figured we just missed it somehow, but I can tell you straight up — the death panels just don’t exist. So of course we won’t have any death panels in Ronniecare either.”
Source: businessinsider.com

Are You Getting A Health Insurance Rebate?

Many health insurance policy holders may be surprised to hear that on August 1, 2012, they may be getting a check. For the first time ever, health insurance companies will be issuing rebate checks to policy holders because a provision in the new health care law known as the Patient Protection and Affordable Care Act or PPACA. This has not been widely publicized because, until the Supreme Court Decision last month, it was not clear whether companies would need to follow through or not. The rebate is tied to an insurance concept called the Medical Loss Ratio or MLR. The MLR is the percentage of premiums paid to directly cover medical expenses of the insured. Historically, these ratios for health insurance range from 60% to 110%. The PPACA contains a provision requiring insurance companies to have a medical loss ratio of at least 80% for individual and small group health plans and at least 85% for large group health plans. This means that insurance companies cannot incur more than 15% to 20% in general administrative expenses plus profit. Any amount over these limits must be rebated to policyholders. According to an April report by the Kaiser Family Foundation, there will be an estimated $1.3 billion in premiums paid back to policyholders. Of these numbers, $426 million will be paid to individual policyholders, $377 million will be paid to small businesses and $541 million will be paid to large businesses. The largest health premium rebates will go to policyholders in Texas, of $186 million, and Florida, with $149 million. Some of the highest rebates to individual consumers will be up to $305 in Alaska, followed by the states of Maryland, Pennsylvania, Idaho, and Mississippi. For a complete report by state, download a complete report from the Kaiser Family Foundation. For company plans, these rebates will be sent to the employer for processing. Depending on the plan contract, these rebates may be handled with a refund check or credited towards future premium payments. Since employers share the cost of group insurance plans, only part of the rebate will go to the employee, based on the percentage that employer pays of the total plan cost. For individual plans, the rebate will be issued to the policyholder. In some cases, these rebates may be treated as taxable income for the policyholder. If the rebate amount is less than $5, the insurance does not have to issue a check. Trust PeopleSurance™ to keep you up to date with your health care reform questions and news. If you are in the market for a quality health insurance plan, try our no-obligation, Term life insurance quote today to see how much you could be saving on health insurance. Look for more news and updates on the PPACA as new provisions go into effect because, at PeopleSurance™, our goal is to make Insurance Simplified. Be Sociable, Share! This article has been taken from http://www.ideamarketers.com/library/article.cfm?articleid=3574438
Source: tongshu.net

Employee Benefits Open Enrollment – Make Good Choices

If you are offered disability coverage I generally suggest to most clients that they take advantage of this coverage and buy any extra benefit that is available to them.  Disability coverage is “life style” insurance in my opinion.  There is generally a short-term component and a long-term component.  The long-term portion generally covers 60% of your base salary, though coverage can vary so be sure to check on this.  Also if you usually receive a substantial bonus or compensation of other sorts beyond your base salary you might want to consider looking into a supplemental policy from an outside insurance carrier.
Source: figuide.com

Medicare, Health Overhaul Playing Key Role On The Campaign Trail

The Associated Press/Washington Post: Why It Matters: You’ll Feel It Whether That Health Care Law Stays Or Goes The issue: America’s health care system is unsustainable. It’s not one problem, but three combined: high cost, uneven quality and millions uninsured. Major changes will keep coming. Every family will be affected. Where they stand: President Barack Obama’s health care law will extend coverage to 30 million uninsured and keep the basic design of Medicare and Medicaid the same. It’s not clear how well his approach will control costs for taxpayers, families and businesses. Mitt Romney would repeal Obama’s health care overhaul; what parts he’d replace have yet to be spelled out. Romney would revamp Medicare, nudging future retirees toward private insurance plans, and he would turn Medicaid over to the states (9/17).
Source: kaiserhealthnews.org

Medicare Advantage Star Ratings: Detaching Pay from Performance

Posted by:  :  Category: Medicare

OOPS I THINK THE SHINE IS OFF THE PEACH ...........IT'S ABOUT TIME by SS&SSBecause criteria for evaluation are not published until after the period for which performance will be evaluated, there is no possibility that MA plans will be able to improve their performance to achieve the goals CMS intends to incentivize. Any adjustment plans will be able to make to their bids or plan offerings would have to be aimed at increasing enrollment in counties with the highest bonuses and rebates based on data from performance in previous years, possibly at the expense of improving their performance in the future.
Source: thehealthcareblog.com

Video: Medicare Advantage Plans Ratings | Medicare Part C

Which is better? Medicare or Medicare Advantage?

6. What is the Medicare Advantage plan’s star rating? The 5-star rating system is used by Medicare to monitor Medicare Advantage plans and determine if they meet certain quality standards.  The ratings also make it easier for someone on Medicare to compare plans based on quality and customer service. The star rating system considers 53 quality measures, such as success in providing preventive services, managing chronic illness, and keeping consumer complaints to a minimum. The higher the plan’s rating, the better. It’s not a bad idea to target plans that have a rating of 3.5 or higher.
Source: ehealthinsurance.com

Putting the Patient in the Center: Star Ratings Congress for Medicare Advantage Plans

This commitment starts at the very top of an organization, meaning that CEOs and their leadership teams must send a clear message to staff, partners and communities that they hold themselves and their organizations accountable to better experiences of care for their patients.  Higher quality also requires systemic thinking, such as building new systems and processes that support safe, effective, patient-centered, timely, efficient and equitable care.  One aspect of this systemic thinking is building a close relationship between health plans and their provider partners – and once again, putting patients at the center.  A commitment to training and culture growth can pull an entire health care system toward a new organizational DNA – one that is all about better health, better health care and lower costs.
Source: wordpress.com

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

Why Medicare Advantage Plan is the top?

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Source: freearticledirectory.biz

GAO Questions Legality Of Medicare Advantage Bonuses

CQ HealthBeat: Congressional Watchdog Continues To Criticize Medicare Advantage Demonstration The General Accountability Office is continuing to hammer away at the Obama administration’s $8.35 billion Medicare Advantage demonstration program, this time in a 10-page letter Wednesday to Health and Human Services Secretary Kathleen Sebelius that questions her authority to create the pilot effort. Under the health care overhaul, the best-performing private Medicare health plans, called Medicare Advantage plans, were to receive bonuses. The idea was that these plans would have an incentive to get the highest performance rating: five stars. But administration officials decided that instead of relying on the health care law language, they would use their authority under Social Security to create a demonstration program that would give bonuses starting with average-performing plans that were rated at three stars (Bunis, 7/11).
Source: kaiserhealthnews.org

Medicare Star Ratings for Medicare Advantage Programs

In terms of measuring the quality of the Medicare Advantage plans alone, Medicare has created five different categories for quality measurements and spread out within these categories is 36 different and specific topics and areas of measurement. When it comes to calculating the quality of the Medicare prescription drug services, commonly referred to as the Medicare Part D plan, there are four different categories and 17 different areas or topics that are measured. By using information that is collected through member surveys, the providers of the care as well as a number of other sources, Medicare analyzes information by topic in order to create an overall rating. These ratings are accessed each year in order to have a database that is updated and accurate for members to be able to make their decisions. Five star ratings are hard to come by and the majority of plans are rated between one and four stars.
Source: cerecons.com

TMG Health Offering New TTY Service Supported by NexTalk

TMG Health is the leading national provider of expert solutions for Medicare Advantage, Medicare Part D and Managed Medicaid plans. With more than 14 years of experience in providing technology-enabled services to the government market exclusively, our knowledge of health plan processes, CMS requirements and the daily challenges plans face within the government market is second to none. Our expertise, coupled with a strong commitment to our Clients’ success, positions us as a trusted partner who can help solve the challenges of today and prepare for those of tomorrow.
Source: virtual-strategy.com

Who is Eligible in Medicare Supplemental Insurance? at Maximum Performance Begins With A Healthy Body

Posted by:  :  Category: Medicare

HHS-DSC_0104 by USDAgovNot everybody needs a policy of Medicare supplement. If you encompass some other kinds of health coverage, your Medicare coverage gaps might already be covered. You may possibly not require insurance of Medicare supplement if: • You encompass group health insurance via a former employer or an employer, comprising military or government retiree plans. • You encompass a plan of Medicare Advantage. • Medicaid or the QMB (Qualified Medicare Beneficiary) Program disburses your other out-of-pocket costs and Medicare premiums. Qualified Medicare Beneficiary is one of numerous Medicare Savings Programs, which help disburse coinsurance, copayments, deductibles, and Medicare premiums. You ought to ask your organization or agent what advantages you have.
Source: procureperformance.com

Video: Supplemental Insurance Explained

A Look Into Medigap Supplemental Plans

Medicare Supplement Insurance Plan F offers a few drawbacks as well.  It comes down to math and the cost of insurance verse the costs that arise with plan increases and actual deductible paid.  Other plans cost much less when paying the monthly premium.  Consider if you are paying $45 more a month for Plan F than another supplemental plan that does not cover the deductible of Plan B which is about $170 bucks.  You are paying upwards of $500 so that you don’t have bills coming in for you to pay for the deductible.
Source: seniorhealthdirect.com

Happy Life….: Supplemental Insurance

Because we don’t have any pre-existing condition health-wise, we were told that we can get also a small insurance premium but with great benefits in their company. I told my husband if we can also check out a no exam term life insurance quotes online at equote next time before going to this type of hassle. If during the exam they find out you have illnesses or any condition, some insurance will decline coverage. If ever there is, I am pretty sure the premium will be too high. What we wanted is a supplement of our insurance right now and if we won’t get it this time, we are still covered as we both have term life insurance coverage. Maybe when hubby is retired and find another job, we will make sure to get another insurance, just in case.
Source: blessiesmixednutsblog.com

Medicare Supplement Insurance

Part A and B deductible coverage Coverage of charges that exceed Medicare Part B maximum allowed amounts Foreign travel emergency care Part A skilled nursing facility coinsurance for days 21-100 Certain home health aid services Certain prescription drug coverage Preventive care coverage It is important for consumers to review all of the Medigap policies before deciding on the one that best meets their needs. It is also important to note that not all policies are available in every state. Each state decides which policies will be offered.
Source: optimalhealths.com

Health Insurance Does Not Have To Be Confusing! at Out of the Storm News

Before subscribing to a policy, take all your expenses in consideration. Health insurance costs go beyond premiums, and also include your deductibles, co-pays and other out-of-pocket expenses. Make sure the plan you choose is the one that is the best for you.  If you are 65 and about to go on Medicar, you will need to look into the costs of Medicare Part B and Medicare supplemental insurance.  Both of these will cost you a monthly premium but will allow you to have comprehensive health insurance coverage.  You can find more information about medicare supplemental insurance if you are patient and take your time with research!
Source: outofthestormnews.com

Supplemental Disability Insurance

If you are a full time employee and work for an employer who offers group benefits, chances are you have group disability insurance benefits. Group benefits typically cover about 60% of your gross income to a maximum level amount (for example $10,000/month). If the employer is paying the premiums, the benefits are taxable. If you leave your employer, you may not be able to take your disability policy with you.
Source: setforlifeinsurance.com

United American Medicare Supplement Insurance Quotes

Posted by:  :  Category: Medicare

Fortunately, United American is one of those companies.  At present, they offer some of the lowest priced High Deductible F Plans across the state.  That is great for seniors who want a low priced Medicare insurance plan with a reasonable deductible.  (As of 2012, the HD Plan F deductible is $2,070 yearly.)
Source: ohioinsureplan.com

Video: Choosing A Medicare Supplement in Fl in 2011

Tips You Should Know When Shopping For Life Insurance

One of the more common life insurance pitfalls is viewing a policy as an investment. Many whole life insurance policies come packaged in such a way that a part of your payment is saved and invested to be paid out upon your death. This is a mistake because there are better places to invest your money. You should view life insurance strictly as protection against death and not as an investment.
Source: medicare-supplement-florida.com

Affordableone.com: Life Insurance @ SEOValidator.Net

This site affordableone.com has a Alexa rank of #10,999,980. It domain created on 2004-10-15. It gets 52 internet visitors per day. Visitors to the site view an average of 3 unique pages per day. It has an average of 83 pages indexed in major search engines like Google™. It has 9 backlinks according to Alexa. With the daily ads revenue: $1 USD. If the site was up for sale, it would be worth approximately $374 USD. Out of the 30 unique keywords found on affordableone.com, “guaranteed issue health insurance” was the most dense. This site is currently hosted at Rackspace Hosting. The IP 72.32.188.20 links to a server in La Habra, United States. This site has Google PageRank™ 3 of 10. At the DMOZ open directory project we found no listing for this site.
Source: seovalidator.net

Health First Medicare Supplements Address Coverage Gaps

Plus, as an added service not covered by Medicare, all policy holders are entitled to a free fitness membership at the Health First Pro-Health & Fitness Centers in Melbourne, Merritt Island, Palm Bay and Viera, and Parrish Health & Fitness Center in Titusville.
Source: spacecoastmedicine.com

Medicare Supplement Insurance

Part A and B deductible coverage Coverage of charges that exceed Medicare Part B maximum allowed amounts Foreign travel emergency care Part A skilled nursing facility coinsurance for days 21-100 Certain home health aid services Certain prescription drug coverage Preventive care coverage It is important for consumers to review all of the Medigap policies before deciding on the one that best meets their needs. It is also important to note that not all policies are available in every state. Each state decides which policies will be offered.
Source: optimalhealths.com

High Deductible Medicare Supplement Plan F

The Medicare supplemental insurance policy labeled high deductible Plan F is a standard plan F plan with a $2070 dollar yearly deductible and a significantly less monthly premium.  When choosing a form of Medicare insurance there are two common alternatives, they are:  Medicare A and B with a Medigap insurance policy or a Medicare Advantage plan.  A Medigap policy is the most popular alternative of these choices.  Once you have decided that a supplemental insurance policy is the best option for your health care needs the choice of which supplement policy comes next.  The Medicare Supplement Plan F is the Medigap policy with the most benefits and provides the best protection from medical bills.  A sometimes forgotten alternative to the plan F is the High Deductible Plan F.  The high F provides the exact same benefits as a standard F plan except it has a $2076 dollar yearly deductible.  The High F plan can be a less costly alternative for individuals that are in good health. The High Deductible F is an F plan with a $2070 yearly deductible.   For it to make good business sense your yearly charges for the High Deductible Plan F + your percentage of Medicare covered expense must be less than the cost of a Standard Plan F.  According to United American’s Company statistics a major percentage of policy holders have annual claims that are well below the deductible of $2070.  The actual numbers for 2010 are: 80% of an insurance companies policyholder’s ages 65-67 had annual claims of $524.
Source: medicare-supplement-advisor.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

Options for Medicare Supplement Plans Florida

We all know that the cost of health policies has become incredibly high in the last few years. The good thing is that we have the option to get good coverage offered by the government in the form of Medicare. If we could offset part of the medical expenses that we need to pay for, that is a good deal. But not all services and costs do get paid by Medicare because there are limitations on their coverage. For a more comprehensive coverage, it is vital that you get medicare supplement plans Florida. If you live in Florida, and you qualify for the medicare supplement plans Florida, it is ideal that you get it because it will really help you in offsetting the costs to the insurance as compared to paying the whole thing out of your pockets. If you are serious about getting medicare supplement plans Florida, it is important to know some important facts.
Source: quotes-center.com

ACO ‘Predecessor’ Saved Medicare Money, According To JAMA Study

Posted by:  :  Category: Medicare

OOPS I THINK THE SHINE IS OFF THE PEACH ...........IT'S ABOUT TIME by SS&SSCQ HealthBeat: Medicare Official Reminds Insurers Of Consequences Of Low Ratings In an effort to discourage participation in low-performing Medicare Advantage health plans, a top Medicare official Tuesday reminded an audience of insurers that seniors who want to enroll in such plans will have to call the company rather than joining online. Jon Blum, deputy administrator of the Centers for Medicare and Medicaid Services, told a conference sponsored by the trade group America’s Health Insurance Plans (AHIP) that Medicare beneficiaries will get warnings about health plans that have received ratings of fewer than three stars for three consecutive years. … The decision to discourage seniors from enrolling in low-rated plans was in a document released in April (Adams, 9/11).
Source: kaiserhealthnews.org

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

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

ABCD “SHINE” Program Seeks Volunteers

ABCD serves more than 85,000 low-income Boston-area residents through its central offices and a decentralized network of Neighborhood Service Centers (NSCs), Head Start centers, Family Planning sites and Foster Grandparent sites. Programs and affiliations include Fuel Assistance; Head Start; Child Care Services; Child Care Choices of Boston; Education; Career Development; Housing and Homelessness Services; Health Services; Family Planning; Urban College of Boston; University High – an Alternative High School; Ostiguy High School for high school students in recovery; Weatherization; Foster Grandparents; Elder Services; Intergenerational Programs; management of the Combined Federal Campaign, Commonwealth of Massachusetts and City of Boston employee giving campaigns; advocacy and consumer services.
Source: fenwaynews.org

Massachusetts Health Stats: Beware of National Medicare Education Week Marketing Gimmick

Massachussetts Health Stats is an as-needed look at statistics about the Massachusetts healthcare delivery and insurance market and industry, including aspects of Medicare as they relate to Massachusetts seniors and the Medicare-eligible disabled. On both Medicare and Massachusetts health care, this blog overcomes the attempts from those on both the left and right of the political spectrum to use statistics to impose needless changes on one of the best healthcare systems in the world.
Source: typepad.com

As Medicare Fraud Evolves, Vigilance Is Required

Then there are more subtle abuses, the ones to which younger Medicare recipients may find themselves vulnerable. A patient with a mild case of high blood pressure, for instance, may be persuaded to undergo a battery of heart disease tests that are covered by Medicare but are not necessarily appropriate. “Patients shouldn’t feel pressured into unnecessary tests or treatments,” said Louis Saccoccio, executive director of the National Health Care Anti-Fraud Association, an advocacy group of insurers, law enforcement and regulatory agencies.
Source: hcafnews.com

Medicare Open Enrollment Time: Prep Course

Medicare Advantage: Also known as Medicare Part C Part C was designed to give Medicare beneficiaries the option of buying coverage through a private health insurance company. These plans provide coverage for all the same services as Part A and B, but are administered by private carriers. These plans often include additional benefits.
Source: gohealthinsurance.com

Protect Your Seniors (and Yourself): Turning 65 in Early 2013? Sign Up NOW for Medigap. Here’s Why

Medicare Open Enrollment Rules Many people know that the open enrollment period for Medicare begins on the 1st day of the 3rd month before your first date of Medicare eligibility.  HUH?  Here is an example.  If your birthday is Feb 2, then your first day of Medicare eligibility is Feb 1, 2013.  As a result the first date that you can sign up for Medicare is November 1, 2012.  Get it? Medigap Open Enrollment is NOT Medicare Open Enrollment A little known fact is that the Medigap (Medicare Supplemental) Open Enrollment Period begins on the 1st day of the 5th month before your first date of Medicare eligibility.  So, if you use the example above, your Medigap open enrollment period begins not on November 1, 2012, but it begins on September 1, 2012.  Confusing?  Yes.  Your advantage?  Also, yes. Why is This Important? Every year, Medigap premiums generally change on January 1.  Usually, those rates are established sometime during the end of the year.  So, we are almost there RIGHT NOW.  You can expect insurance companies to post their rates for 2013 sometime during October or early November.  However, many insurance companies will allow you to pay your premiums in advance, for up to 12 months.  SO, if you are in your Medigap open enrollment period, then you can sign up now, and lock in lower rates for 2013, using 2012 rates.  This policy may differ among insurance companies, but it is entirely possible. Existing Medigap Policyholders Should Check For those that are already protected via Medigap, this may also apply to you.  You should call your agent or the company directly, and find out if you can prepay your premiums.  For those that have savings, it will save you the few dollars a month on premium. Part D is Different To make matters confusing, Prescription Drug Plans (PDP, or Part D) has the same open enrollment period as Medicare, and not Medigap.  So, you cannot follow the advice above with respect to your Prescription Drug Plan. Please pass this article along to others! Come join me on Facebook or Google+ for ongoing information and advice on how to protect yourself and your families.  
Source: protectyourseniors.com

[WATCH]: Windsor Medicare Extra

Posted by:  :  Category: Medicare

Windsor Medicare explains to WMCTV of Memphis this is the only time most Medicare beneficiaries can enroll in a Medicare Advantage plan for 2012. More than 120 new over-the-counter products have been added, and there is an enhanced fitness
Source: wordpress.com

Video: Windsor Medicare Extra – 2012 Medicare Advantage Plan

Windsor Health Plan, Inc. Launches Enrollment for Medicare Advantage Products in 28 Total States

My name is Harmon Stockdale, Jr., I am a 28 year old husband and father of two. I have been serving the Lord as a musician, choir director, and minister of music since 1997. My church music career began when I was a young boy as a drummer in my father?s church. Since then, the Lord has gifted me with a greater knowledge of music and has called me to be a minister of music. I am proficient in playing the keyboard/drums and I am also knowledgeable regarding traditional and contemporary Gospel/Christian music. I currently serve as the minister of music at a local church in Nashville where I have served for the past 5 years. My responsibilities include (but are not limited to): teaching praise and worship songs to the choir, directing the choir, leading praise and worship, directing the church musicians, maintenance of sound equipment, and playing the keyboard. I also provide music for funerals, weddings, and other events throughout the community. Furthermore, I am a sales leader at Windsor Medicare Extra where I manage a team enrollment counselors in the Middle Tennessee area. These experiences have taught me to be an adept leader, to find a resolution to conflicts which may arise, and to lead by example. My greatest aspiration at this time, is to be part of an anointed church ministry in which I and my family can grow in the knowledge of Christ Jesus. I assure you that, if given the opportunity, I will utilize my gifts to organize a vision for worship and to offer support and leadership to your music ministry in a way that will be pleasing before God. Please feel free to contact me at 615.306.6334 between the hours of 9am-9pm. Thank you and God bless. SINCERELY, Harmon Stockdale, Jr. Musician, Minister of Music HarmonE716@gmail.com Source: church-musician-jobs.com
Source: medicaresupplementalco.com

Medicare Supplement Insurance

Posted by:  :  Category: Medicare

When you go out on the net searching for the perfect strategy, that you are probably to land on internet websites that have only 1 target and that may be to collect your individual details. Why do they want to do this? You can find plenty of insurance coverage agency who do not know how to find new company, so naturally, they have to buy leads from somebody who does. Quite a few of those businesses make it look like they are selling medicare supplement insurance, but in reality, they may be only promoting your name and number to a bunch of agents.
Source: aifomd.org

Video: Medicare Supplement Quotes

Medicare Supplement Insurance and Group Health

What if you’re turning age 65 (which makes you eligible for Medicare) and currently have group health insurance? That’s a question that’s becoming much more common as people are finding that they have to (or want to) work past age 65.

Economist’s View: Competition Will Not Reduce The Price Of Medicare

Posted by:  :  Category: Medicare

Senate Dems Protest Medicare Cuts by Talk Radio News ServiceWhy Competition Will Not Reduce The Price Of Medicare, Cheap Talk: Mitt Romney and Paul Ryan have proposed a plan to allow private firms to compete with Medicare to provide healthcare to retirees. Beginning in 2023, all retirees would get a payment from the federal government to choose either Medicare or a private plan. The contribution would be set at the second lowest bid made by any approved plan. Competition has brought us cheap high definition TVs, personal computers and other electronic goods but it won’t give us cheap healthcare. The healthcare market is complex because some individuals are more likely to require healthcare than others. The first point is that as firms target their plans to the healthy, competition is more likely to increase costs than lower them. David Cutler and Peter Orzag have made this argument. But there is a second point: the same factors that lead to higher healthcare costs also work against competition between Medicare and private plans. Unlike producers of HDTVs, private plans will not cut prices to attract more consumers so competition will not reduce the price of Medicare. A simple example exposes the logic of these two arguments. …[gives example]… But there is an additional effect. Traditional competitive analysis would predict that one private plan or another will undercut the other plans to get more sales and make more profits. This is the process that gives us cheap HDTVs. The hope is that similar price competition should reduce the costs of healthcare. Unfortunately, competition will not work in this way in the healthcare market because of adverse selection. …[continues example]… So, adverse selection prevents the kind of competition that lowers prices. The invisible hand of the market cannot reduce costs of provision by replacing the visible hand of the government.
Source: typepad.com

Video: Romney campaign responds to Obama attack on Medicare plan

Conservatives Say Dems’ Attack on Medicare Plan Is ‘Misleading’

CQ HealthBeat: Is It Fair To Call The GOP Medicare Overhaul ‘Vouchercare’? Conservative health policy analysts mobilized Wednesday to counter what they called “misleading attacks” by Democrats on the use of a premium support system to overhaul Medicare — a plan the national Republican ticket supports. The attacks “have continued unabated since Mitt Romney announced Paul Ryan as his running mate,” Dan Holler, communications director for Heritage Action for America, said in an email Wednesday. “Over the weekend, Vice President Biden dubbed this approach ‘vouchercare.'” Is it accurate to call the Medicare overhaul approach Romney and Paul D. Ryan, R-Wis., favor a voucher system? Would it actually get rid of traditional Medicare? And would it water down those original Medicare benefits? The answers to all those questions appear to be no. But there’s a big “if.” Analysts say that to get premium support right and keep traditional Medicare affordable, Republican administrations in the future would have to be willing to abide by a rigorous regulatory approach they may not be philosophically inclined to follow (Reichard, 9/5).
Source: kaiserhealthnews.org

The Delusions in Ryan's Medicare Vision

But the likelihood that Americans born in 1957 or after are going to accept a two-class deal in which they have to pay for older peoples’ generous benefits while expecting far less for themselves is about zero. As time goes on, there will be progressively more voters born after 1957 and fewer born before. Thus, the politically numerous would either demand that older Americans’ Medicare benefits be dragged down to their promised levels or that the whole voucher business be dropped. And who could blame them?
Source: realclearpolitics.com

Challenged on Medicare, GOP Loses Ground

At the heart of the conflict is the proposal backed by Mr. Romney and Mr. Ryan to change the way Medicare works in an effort to drive down health care costs and keep the program solvent as the population ages. Under their plan, retirees would get a fixed annual payment from the government that they could use to buy traditional Medicare coverage or a private health insurance policy. Supporters say the change would hold expenses down by introducing more competition into the system.
Source: realclearpolitics.com

Who is Eligible in Medicare Supplemental Insurance? at Maximum Performance Begins With A Healthy Body

Posted by:  :  Category: Medicare

HHS-DSC_0104 by USDAgovNot everybody needs a policy of Medicare supplement. If you encompass some other kinds of health coverage, your Medicare coverage gaps might already be covered. You may possibly not require insurance of Medicare supplement if: • You encompass group health insurance via a former employer or an employer, comprising military or government retiree plans. • You encompass a plan of Medicare Advantage. • Medicaid or the QMB (Qualified Medicare Beneficiary) Program disburses your other out-of-pocket costs and Medicare premiums. Qualified Medicare Beneficiary is one of numerous Medicare Savings Programs, which help disburse coinsurance, copayments, deductibles, and Medicare premiums. You ought to ask your organization or agent what advantages you have.
Source: procureperformance.com

Video: Supplemental Health Insurance

Job For Everyone Recruitment and Headhunting "Do Discount Fee for Medical Service Programs Really Work?"

We can also see a trend that more people do not have job-based health insurance. I’m sure if you have been in the work force for the last 5-10 years you can see that rates are rising every year (I have experienced a 20% increase in my rate last year alone) and with those high rates we have to pay more of a deductible. You have to wonder how long the middle class family can sustain health coverage. Plus I know supplemental Health Insurance (specifically Dental and Vision Care) is out of the question for me to provide to my family. It really is a shame isn’t it?
Source: job4e.com

Cigna expands supplemental business

This acquisition grows Cigna’s reach in both the individual and Medicare Supplement markets, both which position the company well for thriving in a post-PPACA world. The deal also enhances Cigna’s distribution network of agents and brokers and extends global direct-to-consumer retail channel, Cigna says.
Source: benefitspro.com

A Look Into Medigap Supplemental Plans

Medicare Supplement Insurance Plan F offers a few drawbacks as well.  It comes down to math and the cost of insurance verse the costs that arise with plan increases and actual deductible paid.  Other plans cost much less when paying the monthly premium.  Consider if you are paying $45 more a month for Plan F than another supplemental plan that does not cover the deductible of Plan B which is about $170 bucks.  You are paying upwards of $500 so that you don’t have bills coming in for you to pay for the deductible.
Source: seniorhealthdirect.com

Insurance Options: How to Apply for Supplemental Health Insurance

Supplemental health insurance might help you to gain more benefit from the existing health insurance plan, minus the need to change provider or to surrender your present cover. The extent of cover that you can acquire from health insurance differs a lot, from the most elementary policy that will only cover you when it comes to an accident or a certain illness, to a extensive policy that won’t only cover you for every medical scenario, it will likewise get you more superb accommodation inside a hospital or even day clinic if you need it. This sort of insurance is available in any developed country nevertheless the way it really works will alter from one jurisdiction completely to another. Generally in most Western countries, there’s a national health plan that efficiently underwrites the likelihood of every person in the populace. This structure will provide you with the most basic degree of health care, but it’s going to make sure that one does acquire this fundamental care. Should you take out any health insurance, it’ll be supplemental as it will likely be what the state gives. In the US, there is no nationalized health scheme, therefore you must commence with buying basic cover. Occasionally, this particular basic cover is supplied as part of a manager compensation system. This method is effective for all parties, because the employee does not have any concerns about heading out and discovering their very own policy, while the employer knows that they can hire high quality employees through offering this particular benefit. In this case, the cover is not likely to be anything more than simple health cover unless of course the task is certainly a high paying one. If you’d like more extensive cover, you will have to take out a supplemental health care policy at added fee. There is certainly every chance that supplemental health insurance will end up more expensive within the coming years, pursuing the execution of the Patient Protection and Affordable Care Act. This kind of Act can give increased admission to fundamental care for all those who’ve earlier been not able to pay for it, yet this clearly has to come at a cost. There will be additional taxes and also costs on numerous medical products, and these fees will need to be the end customer. Ultimately, greater rates of taxation unavoidably imply that individuals with greater incomes wind up footing the check. It is usually more difficult to supplement insurance as compared with how it is to purchase it to begin with, since you need to ensure that you don’t pay for something which replicates what you might be already receiving, whether it is with an employer scheme or through your own original purchase. This is made easier by having extensive explanations of items on the internet, thus you may speedily discover new goods that might be appropriate for the cover you currently have. If you are dealing with a small enterprise and they currently have you as a present customer, they might be ready to make a custom package. Be cautious with buying supplemental health insurance if you’re approaching retirement age, simply because health insurance can become an extreme financial problem at this time. Usually, you might be more satisfied reducing the sum of insurance you have so that you can put more cash within your savings program. The moment you retire, you could withdraw a onetime payment tax free, and this could act as a part of your cover for health payments, as well as for other possible emergencies. Of course, in case your health is declining you might well need to take a different strategy.
Source: blogspot.com

Cigna To Increase Supplemental Health Insurance Offerings With Acquisition

Fox News/Dow Jones: Cigna To Buy Great American Supplemental Benefits For $295 Million Cigna Corp. (CI) has agreed to acquire American Financial Group Inc.’s (AFG) Medicare supplement and critical-illness businesses for approximately $295 million in cash, as the managed-care company looks to expand its presence in the individual and seniors markets. Cigna said its acquisition of Great American Supplemental Benefits Group, one of the largest manufacturers of supplemental health insurance products in the U.S., is expected to close in the second half of 2012. Great American generated approximately $325 million of revenue last year (5/10).
Source: kaiserhealthnews.org

Stop smoking and win supplemental health insurance policy

HZZO invites all smokers and nonsmokers to join the contest with their own story about how did they quit smoking or why they never started smoking. Fifty stories, rated as the most interesting ones, will win supplemental health insurance policy. The jury will specially rate humor, honesty and motivation. Every ”ex” smoker can apply with only one story, and the promoter guarantees confidentially (only initials, age and sex will be published).
Source: dalje.com

Is a Medicare Supplement Necessary Under the Obamacare Plan?

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Source: medicarewire.com

Health Insurance Does Not Have To Be Confusing! at Out of the Storm News

Before subscribing to a policy, take all your expenses in consideration. Health insurance costs go beyond premiums, and also include your deductibles, co-pays and other out-of-pocket expenses. Make sure the plan you choose is the one that is the best for you.  If you are 65 and about to go on Medicar, you will need to look into the costs of Medicare Part B and Medicare supplemental insurance.  Both of these will cost you a monthly premium but will allow you to have comprehensive health insurance coverage.  You can find more information about medicare supplemental insurance if you are patient and take your time with research!
Source: outofthestormnews.com

About Supplemental Health Insurance

Generally, the majority of supplemental health insurance plans will pay anywhere from 40% to 80% of the cost of healthcare service needs such as vision, dental, hearing aids, psychologists, certain medical equipment, chiropractors, podiatrists, and even health care if traveling out of the country. When looking at health plans, find out about such issues as: family coverage that include children costs, individual coverage costs, limitations, what the plan covers, coverage regarding emergencies, pre-existing condition issues, coverage for specialists, how a claim is paid out and how much is paid out, the amount of the deductible, monthly cost of the plan, type of prescription drug coverage, does missing a payment mean cancellation of the policy?, does the plan cover dental and vision?, etc.
Source: same-detroit.org