Do I Need Both Medicare and Private Insurance?

Posted by:  :  Category: Medicare

Determining whether a Medicare private insurance plan for gap coverage is necessary to supplement Medicare is much less complex. The gaps in the Medicare Plans – A, B, C and D – are pretty much the same for all participants. Plan D, for example, covers prescription drugs to reduce the cost burden for the senior. However, Plan D only covers up to $2,930 of the total Medicare and participant cost together. If the insured has additional need for prescribed medication, they must pay the additional as an out of pocket expense until the combined total is $4,700. The amount of $4,700 triggers the “catastrophic” cost of medication provision. The $1,700 difference between the two amounts is the gap. The issue now is whether the $1,700 gap will result in a financial hardship for the insured. If that were the case, purchasing a Medicare private insurance plan to supplement Medicare would be the prudent choice.
Source: seniorcorps.org

Video: Medicare Age-In

Where Can I find Information On Medicare Insurance?

The website www.Medicare.gov is an exceptional resource for finding information about Medicare insurance. At Medicare.gov one can enter a zip code along with any prescriptions one takes, and the system will list the Medicare Advantage plans and Medicare Part D (prescription) plans for the zip code in order of least expensive to most expensive. This allows one to find out how much prescription copayments are for a Medicare Advantage plan or Part D (prescription) plan.
Source: todaysseniors.com

tin and sparkle: ABC Wednesday

The booklet from the Medicare Organization is 148 pages!!!!!! Maybe if I ordered everything with Will they accept all the allergy shots I have to take weekly and the prescriptions I take daily. Will I reach that INFAMOUS DOUNUT HOLE some people fall into. After studying for about a week, I think I have come to my decision for my choice of a supplemental insurance. I am thankful that we have a choice, it just takes awhile to figure it all out.
Source: blogspot.com

2010 Roth Conversion Might Spell Higher Medicare Premiums

This year, the IRS will generally provide tax returns from the year 2010 for the SSA to review the modified adjusted gross income. As you might recall, 2010 was the big year for converting traditional individual retirement accounts (IRAs) into Roth IRAs. If you participated in this conversion tactic, you might have seen an increase in your Medicare premium this year. If you spread your conversion income with the deal provided by the IRS over the tax years of 2011 and 2012, you might see an increase in your premium in 2013 and 2014. However, keep in mind these increases are only temporary. Once your income returns to its previous level, your Medicare premiums will be readjusted. For a closer look into what your Medicare premiums might be, click on the Medicare booklet.
Source: richmondbrothers.com

The Senior Insider: Transportation that’s covered by Medicare

Medicare covers the following types of ambulance services: 1.  EMERGENCY GROUND (vehicle) When is it provided?  After you have had a sudden medical emergency, when your health is in serious danger, when every second counts to keep your health from getting worse, and when other transportation could endanger your health.  For example, severe pain, shock, bleeding or unconscious. What conditions do I have to meet? Coverage depends on the seriousness of your medical conditions and whether you could have been safely transported some other way. 2.  NON-EMERGENCY GROUND When is it provided? When you need transportation to diagnose or treat your health condition and transportation in any other vehicle would endanger your health.  For example, you are confined to your bed and you need to be transported to get dialysis treatments. What conditions do I have to meet? In some cases, you must have orders fro your doctor or other health care provider saying that ambulance transportation is necessary because of your medical conditions. 3.  EMERGENCY AIR (airplane or helicopter) What is provided? If your health condition requires immediate and rapid ambulance transportation that ground transportation can’t provide.  Example:  life threatening car accident. What conditions do I have to meet? You must have a condition that requires immediate and rapid ambulance transportation that ground transportation can’t provide. Medicare pays 80% of the Medicare approved amount after you meet the yearly Part B deductible.  Other criteria may apply.  For more  detailed information visit www.medicare.gov to view the booklet, “Medicare Coverage of Ambulance Services.”
Source: blogspot.com

Know your Medicare rights

If you have Medicare Advantage, your plan materials describe how to get emergency care. You don’t need permission from your primary-care doctor (the doctor you see first for health problems) before you get emergency care. If you’re admitted to the hospital, you, a family member, or your primary-care doctor should contact your plan as soon as possible. If you get emergency care, you’ll have to pay your regular share of the cost, or co-payment. Then your plan will pay its share.
Source: ocregister.com

Board on Aging publishes Health Care Choices booklet for seniors

The primary purpose of the governor-appointed Minnesota Board on Aging is to ensure that older Minnesotans and their families are effectively served by state and local policies and programs in order to age well and live well. Partnering with area agencies on aging and others, the MBA administers and oversees the use of the Older Americans Act funds as well as state funds to support older Minnesotans. In addition, the MBA provides objective information and data to the Minnesota Legislature, the governor and state agencies to shape policies that reflect the needs and interests of older Minnesotans.
Source: echopress.com

Australian Health Information Technology: Well

This blog has only three major objectives. The first is to inform readers of news and happenings in the e-Health domain, both here in Australia and world-wide. The second is to provide commentary on how things are progressing in e-Health in Australia and to foster improvement where I can. The third is to encourage discussion of the matters raised in the blog so hopefully readers can get a balanced view of what is really happening and what successes are being achieved.
Source: blogspot.com

7 pointers for navigating Medicare open enrollment

Posted by:  :  Category: Medicare

These plans include HMO-style offerings under which care is coordinated through a network of doctors and hospitals, according to Cindy Polich, president of United HealthCare’s Medicare division. In-network pharmacies may offer cheaper prices for drugs, whether through an in-store or a mail-order option, Polich says.
Source: insurancequotes.com

Video: Medicare Provider Enrollment 3.wmv

Tricare Help – Can my friend get Tricare for Life if he’s never used Tricare before?

When he is properly registered in DEERS and fully enrolled in Medicare, he may visit any Tricare-authorized health care provider for his medical needs. The provider will file your friend’s health care claims first with Medicare, then if there are any charges left outstanding, Medicare will automatically forward the claim to Tricare. That combination will cover 100 percent of the costs on the vast majority of claims. Under TFL, your friend also will have access to the Tricare Pharmacy Program. He will be able to use retail pharmacies in the Tricare network or Tricare’s mail-order pharmacy program, which has smaller drug co-payments.
Source: militarytimes.com

HHS Touts Growth In Medicare Advantage Plans, Drop In Premiums

More than 13 million Medicare beneficiaries – just over a quarter of all Medicare enrollees – are in Medicare Advantage plans, an alternative to traditional Medicare offered by insurance companies. The health law will reduce payments to Medicare Advantage plans by $156 billion from 2013 through 2022, according to the Congressional Budget Office. President Barack Obama and many Democrats have backed payment cuts to the plans, citing data that the government has in the past paid about 14 percent more per beneficiary in Medicare Advantage than per beneficiary enrolled in the traditional program. Proponents of the private plans point to their better coordination of care and extra benefits and services they provide, including vision, hearing and dental benefits.
Source: kaiserhealthnews.org

CMS Issues Record Retention Requirements for HHAs

The seven-year record retention time frame is longer than what is required by the Conditions of Participation for home health agencies, which is five years. However, the time frame is less than the statute of limitations in the Federal False Claims Act. HCAF and The National Association for Home Care & Hospice recommends that agencies maintain medical records for at least 10 years in order to accommodate the requirements in the regulations and the statute of limitation in the Federal False Claims Act.
Source: hcafnews.com

Medicare Savings Program sees enrollment rise

Enrollment increased 5.2% in 2010 and 5.1% in 2011, according to the GAO. It attributed the growth to factors including the SSA’s efforts as well as the economic downturn. The Medicare Improvements for Patients and Providers Act of 2008 requires that the SSA address the roadblocks preventing low-income beneficiaries from signing up for the savings program. Those barriers were pegged as low awareness and cumbersome enrollment processes. In addition to outreach, the SSA was also required to transfer information on beneficiaries who file a low-income subsidy application to a state Medicaid agency. Officials in 28 states reported growth in their Medicare Savings Programs as a result of Social Security Administration transfers, the GAO found. The GAO noted that the amount of additional work for states will depend on whether they decide to re-verify the information beneficiaries provided to the SSA and whether their eligibility requirements align with the federal government’s.
Source: modernhealthcare.com

Weekly Update: CMS Medicare Enrollment and Change of Ownership

Do you need help with your CMS Enrollment or Change of Ownership Forms?  The process to obtain enrollment in Medicare or change enrollment status can be time consuming and frustrating.  We will coordinate and facilitate enrollment with all state and federal forms including Centers for Medicare and Medicaid ( CMS) Form 855A for prospective RHC’s, and CMS Form 29 for existing RHC change of ownership needs.  Return submissions of the CMS Form 855A is included. For more information please contact Courtnay Ryan at cr@coruralhealth.org
Source: blogspot.com

Medicare Provider Enrollment: Revalidation Required: Michigan Attorneys

Health care reform law requires that providers who enrolled in Medicare prior to March 25, 2011, submit enrollment revalidation information upon request by the Centers for Medicare and Medicaid Services ("CMS") or its contractors.  Any provider that fails to submit the requested revalidation information within 60 days of receiving such a request risks interruption or deactivation of Medicare billing privileges.  Revalidation for all providers who enrolled in Medicare prior to the above date will occur between now and March of 2015 on a steady basis.  Providers can check the lists provided at CMS’s website to determine if they were already sent a revalidation notice that was perhaps overlooked in the mail.
Source: healthlawyersblog.com

Medicare Advantage Remains Strong

As a result of the Affordable Care Act, coverage for both brand name and generic drugs in the Part D donut hole coverage gap will continue to increase until 2020, when the donut hole will be closed. This year, people with Medicare received a 50 percent discount on covered brand name drugs and 14 percent coverage of generic drugs in the donut hole. In 2013, Medicare Part D’s coverage of brand name drugs will begin to increase, so people with Medicare will receive approximately 53 percent off the cost of brand name drugs, and coverage for 21 percent of the cost of generic drugs, in the donut hole. 
Source: enewspf.com

Nothing found for 2012 09 Keep

While the Blog will be monitored periodically for relevancy, Allsup Inc. has no obligation to pre-screen postings and is not responsible for its content. We encourage you to notify us of inappropriate or illegal content, and we reserve the right to remove postings at any time. Your use of this Blog is subject to these terms as well as the Allsup General Terms of Use and your continued use of this site constitutes your acceptance of these terms as well as the Allsup General Terms of Use.
Source: allsup.com

OBAMACARE: Atlanta Saves $3.2 MILLION in one year…and we’re still waiting for 2014

Reducing payments in Medicare Advantage is exactly the kind of cost-cutting measure that President Obama’s health reform law encourages. The Medicare Advantage program, which allows beneficiaries to enroll into a private plan rather than the traditional fee-for-service Medicare program, has a history of over-paying insurance providers. While Atlanta was able to reduce its Medicare Advantage costs by switching to a cheaper health insurance provider, Obamacare attacks the actual root of the problem. Beginning in 2014, Obamacare diverts $716 billion from Medicare by eliminating useless subsidies to insurance companies and providersunder Medicare Advantage. Although the GOP has tried its best to convince the country that Obama’s cuts to Medicare Advantage are weakening the Medicare program, they are actually intended to stem the tide of excess payments — and help ensure that cities like Atlanta won’t have to scrounge for deals with private insurance providers in order to save on Medicare Advantage costs.
Source: wordpress.com

Medicare regulatory reform effort under way

“(W)e believe that this change is appropriate because the re-enrollment bar in such circumstances often results in unnecessarily harsh consequences for the provider or supplier and causes beneficiary access issues in some cases. We have learned of numerous instances where the provider’s failure to respond to a revalidation request was unintentional; that is, the provider was not aware of the request due to, for instance, misrouted mail or a clerical mistake,” CMS officials noted in the Federal Register notice for the new rule.
Source: newsfromaoa.org

Challenged on Medicare, GOP Loses Ground

Posted by:  :  Category: Medicare

Old people read alone... by Ed YourdonAt 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

Video: New York: Medicare Fraud Summit Remarks (DOJ)

Medicaid Changes Loom for the Elderly

Thanks to the marvels of medical science, our parents are living longer than ever before. Adults over age 80 are the fastest growing segment of the population; most will spend years dependent on others for the most basic needs. That burden falls to their baby boomer children. In The New Old Age, Paula Span and other contributors explore this unprecedented intergenerational challenge. You can reach the editors at newoldage@nytimes.com.
Source: nytimes.com

Why Medicare Cards Still Show Social Security Numbers

In a report issued in 2006, C.M.S. said it would cost $300 million to remove SSNs from Medicare cards. Then, in an updated report last November, it said it would cost at least $803 million, and possibly as much as $845 million, depending on the option chosen. Much of the cost, the agency said, was for upgrading computer systems not only at the federal level, but also at the state level, for coordination with Medicaid systems.
Source: nytimes.com

Medicare’s failure to protect personal finances

Average out-of-pocket expenditures in the 5 years prior to death were $38,688 for individuals and $51,030 for couples in which one spouse dies. Spending was highly skewed, with the median and 90th percentile equal to $22,885 and $89,106, respectively, for individuals, and $39,759 and $94,823, respectively, for couples. Overall, 25% of subjects’ expenditures exceeded baseline total household assets, and 43% of subjects’ spending surpassed their non-housing assets. Among those survived by a spouse, 10% exceeded total baseline assets and 24% exceeded non-housing assets. By cause of death, average spending ranged from $31,069 for gastrointestinal disease and $66,155 for Alzheimer’s disease.
Source: pnhp.org

Democrats Confident That Medicare Issue Will Help Them Win In November

CNN: Pelosi Says Ryan Pick Makes It Easier For Dems To Take House A CNN/ORC poll taken earlier this month indicated Medicare was among the top three most important economic issues for voters, after unemployment and the federal deficit. And a New York Times survey last week showed a significant majority of voters wanted Medicare to remain unchanged, rather than shift to a system like the one Ryan has proposed (Liptak, 9/16).  Politico: Pelosi: GOP Medicare Stance Can Deliver House To Dems Republican presidential candidate Mitt Romney may have delivered control of the House to the Democrats by putting the Medicare issue center-stage in the November election and selecting Rep. Paul Ryan (R-Wis.) as his running mate, House Minority Leader Nancy Pelosi said in an interview aired Sunday. … “On August 11th, when Governor Romney chose Ryan, that was the pivotal day,” the California Democrat said (Gerstein, 9/16).
Source: kaiserhealthnews.org

Concerned about Medicare Part D Coverage? Join the Upcoming Teleconference

As you may know, Medicare Part D is a vital Federal program to the more than 3 million New Yorkers who participate. Part D provides disabled Americans and seniors access to affordable, life-saving medicines. The most recent Medicare Today survey found that 88% of seniors are satisfied with their coverage.
Source: newyorkhealthworks.com

Growth of Medicare and Private Payer ACOs Shows Acceptance of New Care Model

Whether the ACO model actually delivers on its promise of producing improved care at lower cost remains to be seen. “This is a big experiment,” declared David T. Page, M.D., Director of the Accountable Care Coalition of Syracuse (ACCS). This 65-physician practice operates 30 locations in Central New York. ACCS lacked the information technology resources needed for a Medicare ACO. It teamed up with an insurance company that had the necessary infrastructure and negotiated a contract with the agency.
Source: darkdaily.com

New York Times Article Highlights Success of Medicare Advantage Plans

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

Laura D'Andrea Tyson: Evidence vs. Ideology in the Medicare Debate

Both Governor Romney and Representative Paul D. Ryan have promised to repeal the Affordable Care Act and with it the reforms behind the $716 billion in Medicare savings (although Mr. Ryan duplicitously counts the savings from these reforms in his deficit-reduction plan). Medicare beneficiaries would be the losers. They would lose the benefits of better care at lower cost. They would lose the plan’s expanded Medicare coverage for prevention benefits and prescription drugs, and they would be forced to pay higher premiums and co-pays as a result of faster growth in Medicare costs.
Source: nytimes.com

Mitt Romney's 47% Remark Makes Easy Fodder For New York Democrats

As a retiree, I was upset to hear that Mitt Romney thinks people our age are "dependent" upon the government. Social Security and Medicare are not hand-outs. We paid Medicare and Social Security taxes in every paycheck we ever earned. Now that we are
Source: co.cc

Making the Election About Race

The result is a campaign run at two levels. On the trail, Paul Ryan argues that “we’re going to make this about ideas. We’re going to make this about a positive vision for the future.” On television and the Internet, however, the Romney campaign is clearly determined “to make this about” race, in the tradition of the notorious 1988 Republican Willie Horton ad, which described the rape of a white woman by a convicted African-American murderer released on furlough from a Massachusetts prison during the gubernatorial administration of Michael Dukakis and Jesse Helms’s equally infamous “White Hands” commercial, which depicted a white job applicant who “needed that job” but was rejected because “they had to give it to a minority.”
Source: nytimes.com

The Ryan Plan Will Make It Hard for Seniors to Find Doctors? So Will Medicare.

Posted by:  :  Category: Medicare

Specifically, the annual price updates for most categories of non-physician health services will be adjusted downward each year by the growth in economy-wide productivity. The best available evidence indicates that most health care providers cannot improve their productivity to this degree—or even approach such a level—as a result of the labor-intensive nature of these services.Without unprecedented changes in health care delivery systems and payment mechanisms, the prices paid by Medicare for health services are very likely to fall increasingly short of the costs of providing these services. By the end of the long-range projection period, Medicare prices for hospital, skilled nursing facility, home health, hospice, ambulatory surgical center, diagnostic laboratory, and many other services would be less than half of their level under the prior law. Medicare prices would be considerably below the current relative level of Medicaid prices, which have already led to access problems for Medicaid enrollees, and far below the levels paid by private health insurance. Well before that point, Congress would have to intervene to prevent the withdrawal of providers from the Medicare market and the severe problems with beneficiary access to care that would result.
Source: reason.com

Video: How do Medicare and Medicaid reimbursement rates affect commercial insurance?

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

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Source: wordpress.com

Paul Ryan’s Plan for Medicare: A Disaster for Seniors (Why Doctors Might Stop Taking Medicare)

How important is Medicare’s market share in influencing physician participation? The evidence is limited, but the best study to date suggests it is significant. In the 1990s, Peter Damiano, Elizabeth Momany, Jean Willard and Gerald Jogerst, all associated with the University of Iowa  surveyed  Iowa  physicians and examined variation among counties. They found  that for each percentage-point increase in the share of Medicare beneficiaries in a county’s population, doctors were 16 percent more likely to accept patients on Medicare. The only other study I know of on this topic, an unpublished analysis by Matthew Eisenberg of Carnegie Mellon University  also found an effect from Medicare’s market share, albeit one that was substantially smaller than the one Damiano and his colleagues found.
Source: healthbeatblog.com

Brad DeLong: Josh Barro Says Opinions

The real landscape on Medicare is this: Both parties want to cut Medicare…. There are two key falsehoods in the Democratic message on Medicare. One is Obama’s oft-repeated claim that the Patient Protection and Affordable Care Act “won’t touch your guaranteed Medicare benefits. Not by a single dime.” That’s true only with a tortured definition of “guaranteed Medicare benefits.” PPACA cuts Medicare spending by $716 billion, or about 10 percent over the next 10 years. It achieves these cuts in roughly equal parts by: eliminating subsidies for enhanced, private “Medicare Advantage” plans used by many seniors; reducing reimbursement rates to hospitals; and various other measures, including cutting payments to compensate hospitals for unpaid bills and payment rates for home health providers.
Source: typepad.com

Healthcare Economist · How Massachusetts hospitals increased Medicare reimbursement rates by 20 percent

Prior to 2012, the Nantucket Cottage Hospital was classified as a critical access hospital and therefore did not figure into the computations for the states’ IPPS [Inpatient Prospective Payment System] HWI [Hospital Wage Index] rural floor. However, as a result of being acquired by a large health system, the Nantucket Cottage Hospital converted to IPPS status, becoming the only rural IPPS hospital in the state of Massachusetts. This change resulted in the rural floor wage index being applied to 60 urban hospitals in the state of Massachusetts, increasing wage indexes for these hospitals from an average of 1.16 in FY2011 to 1.35 in FY2012.
Source: healthcare-economist.com

No, Obama Didn't Steal Money From the Medicare Trust Fund

Slightly longer answer: Money that’s paid into the Medicare system — which comes mainly from payroll taxes, premiums, and general revenue — goes into Medicare’s two trust funds. Money that’s paid out to doctors and hospitals comes out of the trust funds. So there are only two ways you could "rob" money from the trust funds: you could reduce taxes going in or you could increase money being paid out. Obamacare does neither of these things. In fact, it reduces reimbursement rates to hospitals, which means that it improves the financial health of the trust funds because less money is flowing out. In particular, after Obamacare was signed into law in 2010, the Medicare trustees estimated that it had extended the life of the HI trust fund by 12 years.
Source: motherjones.com

Medicare Reimbursement Rates : South Carolina Nursing Home Blog

Federal Medicare administrators have bumped the payment rates for skilled nursing facilities, resulting in a net 1.8% increase for FY 2013. Nursing home operators like Skilled Healthcare Group (SKH) and Sun Healthcare Group (SUNH) are likely to be the primary beneficiaries of next year’s rate boost, which the Centers for Medicare & Medicaid Services estimates could add up to around $670M. Both companies’ shares were mostly inactive in after-hours trading. SKH closed up 3.9% at $5.80, and is up 6.2% so far this year. SUNH closed up 0.2% at $8.36.
Source: scnursinghomelaw.com

Health First Health Plans Offers Free Medicare Seminars

Posted by:  :  Category: Medicare

"Every citizen should be a soldier. This was the case with the Greeks and Romans, and must be that of every free state." ` Thomas Jefferson. by eyewashdesign: A. GoldenOur four not-for-profit hospitals—Health First Cape Canaveral Hospital in Cocoa Beach, Health First Holmes Regional Medical Center in Melbourne, Health First Palm Bay Hospital in Palm Bay, and Health First Viera Hospital which opened in Viera on April 2, 2011- form the core of Health First’s family in Brevard County on Florida’s Space Coast. Other services include outpatient centers; the county’s only trauma center; home care; specialized programs for cancer, diabetes, heart, stroke, and rehabilitative services; central Brevard’s largest medical group; four fitness centers; and Medicare Advantage, commercial POS, and commercial HMO health plans.
Source: spacecoastdaily.com

Video: Medicare Covered Power Chair – Do You Qualify? – Toll Free Phone Hotline

Get free over the phone medicare assistance

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Source: getholdof.com

Hip Suburban White Guy: I Just Got Off The Phone With My Mom

My mom is 78 years old. Her only income is Social Security. She lives in Section 8 housing. Her only health insurance is Medicare which pays 80% of her health care costs, and a Medicare Supplement plan that pays the difference and costs her $9.00 a month out of her Social Security check. She called tonight complaining about her health care and the fact that the Medicare Supplement only closes the gap on what Medicare already covers. She thought her $9.00 a month would pay for the stuff that Medicare doesn’t cover. She thinks she’s getting ripped off. She is going to shop around for insurance policies that she thinks she can get on the open market that will provide a 78 year old woman who has preexisting conditions that include losing a breast to cancer, high blood pressure, degenerative myopia and mild dementia with coverage better than Medicare for less money. She doesn’t realize that what she thinks she can do is impossible.  But there is no shortage of unscrupulous insurance sales reps who get paid on commission who will be only too happy to feed on her fear, sell her a policy she can’t afford, send her to a collection agency and leave her without any health care at all when she can’t pay.  Because that’s how the unregulated free market economy works. In the future, if Republicans like Paul Ryan have their way, my mom wouldn’t get jack shit other than a fixed amount voucher, a URL and a “Good luck! Go figure it out for yourself. Because we don’t give a fuck.” Throwing American senior citizens under the bus, letting them curl up and die if they get sick because they couldn’t figure out how to make enough money so that in their retirement they could afford to make rich young doctors richer isn’t my idea of America. Is it yours? If it is, vote for Romney and hope you will wind up like him with millions of dollars in ill-gotten gains stashed in offshore tax havens. But if you truly think that America at least aspires to be the greatest nation on Earth, then vote for Obama and the party who thinks EVERY AMERICAN deserves to grow old with dignity and good health without bankrupting their friends and family.
Source: blogspot.com

Study: Local Medicare Payment Cuts to Top $8.4 Billion by 2022

Posted by:  :  Category: Medicare

Providers are hoping to recoup the Medicare reimbursement cuts with increased volume of services when Americans are required to have health insurance in 2014. Gov. Rick Perry has refused to allow Texas to participate in the Medicaid expansion under the ACA. The federal government has exempted low-income Texans who would have qualified for Medicaid under the ACA from the insurance mandate.
Source: dmagazine.com

Video: Boston: Medicare Fraud Summit Providers Panel

Tricare Help – Can my friend get Tricare for Life if he’s never used Tricare before?

When he is properly registered in DEERS and fully enrolled in Medicare, he may visit any Tricare-authorized health care provider for his medical needs. The provider will file your friend’s health care claims first with Medicare, then if there are any charges left outstanding, Medicare will automatically forward the claim to Tricare. That combination will cover 100 percent of the costs on the vast majority of claims. Under TFL, your friend also will have access to the Tricare Pharmacy Program. He will be able to use retail pharmacies in the Tricare network or Tricare’s mail-order pharmacy program, which has smaller drug co-payments.
Source: militarytimes.com

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

The numbers came in a report that details how federal agencies would implement roughly $110 billion in mandatory, across-the-board budget cuts agreed to by Congress and President Barack Obama last August as a way to end a bitterly partisan dispute over raising the debt ceiling.  Lawmakers in both chambers, as well as Obama, want to avoid the automatic cuts that would trim federal spending by $2.1 trillion over the next 10 years, called sequestration.
Source: kaiserhealthnews.org

New dental clinic opens with free labor, weekend hours for people with no health insurance

The charity’s wheeled facility mostly treats children at low-income schools, but it is also leased by the nonprofit United Global Outreach in Bithlo, which is working with the Florida Hospital Foundation and the Dental Care Access Foundation to provide care in the rural community. The Bithlo program not only does routine care, fillings and extractions, but also helps clients get dentures, implants and other cosmetic work.
Source: medcitynews.com

GEHA Insurance Government Employees Health Association

The High Deductible Health Plan provides unlimited preventative care for adults with 100 percent of the bill paid to in-network doctors. If the member receives care from a health care provider outside of the GEHA Insurance network, only a portion of the bill is covered by GEHA. The member pays a deductible for the first $1,500 each year or $3,000 for the member plus their family. A Health Savings Account (HSA) is established by the member. GEHA will make monthly deposits into the HSA. GEHA contributes $720 annually for the member or $1,440 for the member plus their family. Members earn tax-free interest on the funds. They can withdraw from the account anytime to pay for health care expenses such as doctor visits and prescriptions. At the end of the year any unused funds will roll over to the next year. Medicare All of the GEHA insurance plans can easily be used with Medicare benefits to enlarge the health coverage available to the GEHA member. Medicare recipients are not limited to in-network health providers and hospitals. They have the option to select any health care provider for their health care needs. Their total costs are covered for doctor visits, hospitalization, surgery and lab services regardless of whether the provider is inside or outside of the GEHA network.
Source: optimalhealths.com

Daily Kos: Romney/Ryan will raise Medicare eligibility age for current seniors

Posted by:  :  Category: Medicare

If the increases in eligibility age are raised now because of the fiscal “crisis” and those under 55 are supposed to be dumped altogether, what guarantee is being offered that a further “crisis” caused by counter-productive Republican policies won’t prompt them to reduce eligibility further?  If their solution hastily offered now is to cut eligibility, why would that not be their preferred option during the next manufactured “crisis?”  The Republicans have already let it be known that they will never look at increasing revenues through upward changes in the tax rates, so any total revenue increases must come disproportionately from increases in the national economy, except they’ll have already cut taxes further reducing revenues.  Why should they get a third shot at dynamic scoring for revenue increases when the prior experiments under Reagan failed and Bush II totally cratered the economy?  
Source: dailykos.com

Video: Mitt Romney Embraces Privatizing Medicare and Social Security and Raising Eligibility Ages

Caldwell Guardian: There Is No Cure For Old Age, Medicare Mills Sell False Hope

There is no cure for old age and most of us are in denial about our looming demise.  Medicare costs are going to force decisions a lot of people will not agree with as more and more people move onto Medicare rolls.  I watched with a lot of disdain for how my own father made really bad end of life decisions and vowed to not do the same as I move closer to the end my of life.  For example, my father called me when he was 91 years old about his scheduled surgery to have both knees replaced.  Mind you he was taking no pain meds for his knee issues.  I asked him why he had opted for surgery over taking a few pills to control his knee pain.  I was not ready for his answer:  He was worried about the “long term” consequences of taking pills to control pain!  I countered his objection to taking meds and asked what his view of “long term” meant in his mind.  I won’t go into the details of this discussion but it is a very good example of why we need some serious oversight of Medicare.  (Note: My father died two weeks after he turned 92 from congestive heart failure.) The Republican Congress wants to raise the age for Medicare eligibility and ditto for Social Security.  I would offer the real opportunity lies on the back end and all of the bad decisions that may extend life but at what cost and quality of life.  Medicare and his Part B coverage stood ready to pay the bills for my father for his knee surgery and never mind that he was suffering from Congestive Heart Failure and only had about 20% of he heart capacity.  At age 66, I am well into what I call the last quarter of my life.  I want Social Security and Medicare to be there for younger people so they can retire and enjoy a few years of what life they have left to live.  However, we have to get a system in place to address the fact we all get old and we all get to die at some point in time.  The options offered to my father as well as others when they are near the end of their lives have to undergo some cost benefit analysis.  Many health care options made by people today make no sense and cost Medicare billions of dollars. There is no cure for old age and we owe it to our survivors to make a graceful exit.  Good decisions about our health care and when to recognize our time is up will be necessary to keep Social Security and Medicare solvent for future generations.  Life is short no matter how long we live.
Source: blogspot.com

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

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Source: reportingonhealth.org

Medicare Proposal Pros and Cons

Proposed changes to the program include raising the eligibility age to 67, raising payroll taxes and requiring better-off beneficiaries to pay more. The most politically contentious plan, devised by Rep. Paul Ryan (R-Wis.), chairman of the House Budget Committee, would limit federal spending on Medicare and alter the way the government pays for benefits. Republicans say this plan is a fiscally responsible way of extending Medicare’s viability as millions of boomers enter the program. Democrats call it "the end of Medicare as we know it" and a way to shift more costs to beneficiaries.
Source: aarp.org

Should Medicare’s Eligibility Age Be Raised?

With tens of millions of baby boomers heading into retirement, Medicare’s long-term financial prognosis is grim. One proposed solution is to raise the eligibility age gradually to 67 from 65. What do you think?
Source: ewallstreeter.com

United Healthcare Medicare Solutions

Posted by:  :  Category: Medicare

/url?q=http://www.health-care-articles.info/&sa=U&ei=fDVdT5CDGuLq2AXU4MSYBQ&ved=0CN8BEBYwRzgB&usg=AFQjCNHZYgJSAiW7iKpvkZBie63dC1I_hA /url?q=http://health.coolishgroup.com/&sa=U&ei=fDVdT5CDGuLq2AXU4MSYBQ&ved=0CPkBEBYwUDgB&usg=AFQjCNF4nrQHL4etT3RvHdKDzVoEX_BCJg /url?q=http://www.healtharticlesonline.com/&sa=U&ei=fDVdT5CDGuLq2AXU4MSYBQ&ved=0CLICEBYwYjgB&usg=AFQjCNFMR_gb1WV7UA_pNC5CO4eDFSjULw /url?q=http://www.healthhype.com/&sa=U&ei=fTVdT8XzBeKG2gWI3oHzDg&ved=0CJIBEBYwKThl&usg=AFQjCNEuMsmmRYRKWRZ1O7GR4BWFSiYDIQ /url?q=http://www.thedailybeast.com/topics/health.html&sa=U&ei=fTVdT8XzBeKG2gWI3oHzDg&ved=0CL4BEBYwOThl&usg=AFQjCNFJ2KAhuQBYkkIVUz_K4_bZj6MDlw /url?q=http://lisakifttherapy.com/&sa=U&ei=fTVdT-T4K6Pa2AW25pzyDg&ved=0CN8BEBYwRjjJAQ&usg=AFQjCNGNTDIRZVbZCLXAy-2mYGFpJNTAVw /url?q=http://www.tucsonlifestyle.com/index.php%3Fsrc%3Dgendocs%26ref%3DInhealtharticles%26category%3DHealth&sa=U&ei=fTVdT-T4K6Pa2AW25pzyDg&ved=0CIECEBYwUjjJAQ&usg=AFQjCNH_et1ggG-vFMWqgkG8dpOFTs-Ruw /url?q=http://www.talktothevet.com/ARTICLES/index.html&sa=U&ei=fTVdT-T4K6Pa2AW25pzyDg&ved=0CJgCEBYwWzjJAQ&usg=AFQjCNHHAcPjpKhpf01ydtMmhHepsgQosA
Source: yourhealthwellness.org

Video: Medicare Basic Overview by United Healthcare Medicare Solutions

Amalgamated Life vs United Healthcare Insurance Company

Meanwhile, HSAs (health savings accounts) are useful in that they provide an account for individuals to choose how they spend their money. Individuals can spend money on eye specialists, foot specialists, skin specialists or more, depending on what is necessary for their health. The United Healthcare preventative care plans are also useful, though they cover a different area than life insurance. Whereas life insurance assures a lump sum payment if the unthinkable does happen, preventative care helps to protect individuals from losing their health in the first place.
Source: insuranceproviders.com

Uhcmedicaresolutions.com UnitedHealthcare Medicare Solutions

Uhcmedicaresolutions.com has 4 years old, it is ranked #267,622 in the world, a low rank means that this website gets lots of visitors. This site is worth $31,166 USD and advertising revenue is $16 USD per day. The average pages load time is 1.173 seconds, it is very good. This site has a very good Pagernk(5/10), it has 827 visitors and 4,300 pageviews per day. Currently, this site needs more than 562.24 MB bandwidth per day, this month will needs more than 16.47 GB bandwidth. Its seo score is 57.3%. IP address is 149.111.129.3, and its server is hosted at Cypress, United States. The server distance from you is 1,972.31 km (1,225.53 miles). Last updated on Thu, 23 Aug 2012 00:12:04 GMT.
Source: statscrop.com

Outsource Marketing Solutions blog: UHC Single brand for Medicare Advantage

While most popular attention over Medicare this year has focused on new plans that cover prescription drugs, analysts view Medicare Advantage plans as critical profit opportunities for health insurance companies. Read on….
Source: typepad.com

Medicare Explained In Enfield

It will also look at ConnPace and the Medicare Savings Program, which provide those who qualify with additional financial assistance to cover prescription drugs and Part B premiums. Nancy Petronio, of United Healthcare Medicare Solutions, will present the overview and will also be available for questions.
Source: courant.com

Authorized to Offer AARP Medicare Solutions

Dear Friends: Our Agency is now Authorized to offer AARP Medicare Solutions through the United Health Care System. This can be a great way to go for some people. AARP also offers a Medigap Policy and the separate PDP Drug Plan. We are having Seminars on these products and others right here in our office at the end of January and beginning of February. People who are signing up for Medicare need good instructions on the whole process and we give great classes on the procedure wihtout pushing anyone to buy our product. Our goal remains to make sure that people are happy with their insurance choices! Please call me at 386-860-0001 X7 for more information. It is truly my pleasure to meet with you at my Seminar or in person. Thanks — and a very Happy New Year to all! Ron Silverman, Agent.
Source: silvermaninsurance.com

Tax Roundup, September 18, 2012: 47% frenzy! And New Jersey tries to rival Iowa.

Posted by:  :  Category: Medicare

"SO, THE HEALTHCARE 'TAX' PASSED THE SUPREME COURT." by roberthuffstutterfor Honeywell International to keep it from moving its headquarters to Pennsylvania.  Then the authority not so courageously approved a $40 million Grow New Jersey tax credit for Dotcom Distribution, an e-commerce warehousing and fulfillment company, so that it can build a facility and not move to Pennsylvania. Then the authority not so courageously approved a $50 million tax credit for developers to build a supermarket in Camden!  Where is the outrage? Where are the political leaders who have the courage to say that this is the worst kind of economic policy?
Source: rothcpa.com

Video: Jason Plummer: Tax Cuts for Him, Ending Medicare for You

New Medicare Tax on Unearned Income

For individuals, the tax is 3.8% of the lesser of (a) net investment income or (b) the excess of modified adjusted gross income (MAGI) over the applicable threshold amount. Net investment income is investment income reduced by the deductions properly allocable to such income. Fortunately, qualified retirement plan distributions are not included in investment income. MAGI is adjusted gross income (AGI) increased by the amount excluded from income as foreign earned income, net of the deductions and exclusions disallowed with respect to the foreign earned income. The threshold amount for those subject to the tax is $250,000 for joint returns or surviving spouses, $125,000 for separate returns, and $200,000 in other cases.
Source: kellytax.com

2013 – New Medicare Tax

Many of the Bush tax cuts are set to expire at the end of 2012 so that, combined with this new tax, could change many things for you in 2013. With this being an election year things could continue to change on into 2013 with some items being retroactive. But instead of betting on that course of action, you may be wise to consider the current law in your year-end planning. If you are sitting on a gain in your primary residence or investment property now may be a good time to review your future plans. As you all know, prices are still down from their all time high, making it a good time to buy, mortgage rates are at an all time low and the low level of inventory currently on the market makes it a good time to be a seller.
Source: servinggolfcommunities.com

IRS provides answers on the new 0.9% Medicare tax

Likewise, if former employees receive group-term life insurance in excess of $50,000, and the resulting income exceeds $200,000, you still don’t have to collect the additional tax from employees. You follow your normal procedure—report the income as wages on your 941 form and make a current period adjustment to reflect the uncollected taxes.
Source: businessmanagementdaily.com

Presidential candidate positions on new 3.8% medicare tax

With 2012 being an election year, voters need to know where the candidates stand related to issues that are important to them. Many questions of vital importance involve income taxes. The Patient Protection and Affordable Care Act has established a new 3.8% medicare tax (over and above income tax) on investment income of high income taxpayers. Where do the candidates stand related to the new 3.8% medicare tax on investment income?
Source: ktwd.biz

Internet rumor: New 3.8% Medicare tax as it relates to the sale of your home

Taxpayers need to consider two tax laws when determining if they will have to pay tax on the sale of a primary residence.  The new 3.8% Medicare tax will only apply to single taxpayers with a modified adjusted gross income (MAGI) in excess of $200,000 and married taxpayers with a MAGI in excess of $250,000 if filing a joint return, or $125,000 if filing a married filing separate return.  Remember, taxpayers only pay tax on the sale of a principal residence if the gain from the sale exceeds the threshold amount allowed by Internal Revenue Codes Section 121 ($250,000 for single taxpayers; $500,000 for joint returns).
Source: wnvcpa.com

PR: “Grimm” Reaper March Dramatizes Attack On Medicare, Tax Breaks for Millionaires

Led by costumed “Grimm Reapers of Medicare,” the protestors marched to Congressman Grimm’s Brooklyn Office. Along the way protestors passed out “checks” from Representative Grimm made out to the wealthiest Americans for $160,000 a year.  The checks, including a banner-sized one held by marchers, symbolized the vote Grimm cast before leaving on August vacation that gives $160,000 a year in tax cuts to the wealthiest Americans who make over $1 million a year while raising taxes on 25 million working families.
Source: vocal-ny.org

Shingles Vaccinations Not Covered For Some Medicare Beneficiaries

Posted by:  :  Category: Medicare

DAMN!! -- I THINK WE'RE F*%KED by SS&SSA. Shingles is a painful rash caused by a virus that can lead to long-term nerve damage called postherpetic neuralgia. All Medicare Part D prescription drug plans cover the shingles vaccine, which is recommended by the Centers for Disease Control and Prevention for people age 60 and older. But Medigap plans, which may cover the deductible and coinsurance amounts for services provided under Medicare Parts A and B (hospitalization and outpatient care), don’t offer any financial help on the co-payments for vaccines and other drugs covered under Part D.
Source: kaiserhealthnews.org

Video: Medicare Supplement plan F High Deductible Explanation

Ryan Would Shrink Medicare's Doctor Pool

Doctors see Medicare patients, despite the relatively low payments they receive for doing so, partly because Medicare represents such a large share of the health-care market. If a substantial number of beneficiaries moved out of Medicare and into private plans, as Ryan proposes, doctors would have much less incentive to see Medicare patients. And the elderly who want to remain in traditional Medicare would risk being stranded.
Source: realclearpolitics.com

'''''Medigap Rates Age 65 and Older

Our Macon female can purchase Medicare supplement plan N for as little as $71 per month but she will not be able to purchase that plan from Mutual of Omaha or Gerber. You may know friends or relatives who bought these plans in the past but these carriers no longer offer plan N and have targeted current policy holders for significant ongoing rate increases, in some cases as high as 40%.
Source: georgia-medicareplans.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

North Carolina Medicare Supplement

A North Carolina Medicare supplement are a great way to protect yourself from the 20% medical portion that your Medicare doesn’t cover. If you get a Plan F Medicare supplement, it will pay the 20% that is left over after your Medicare Part A and B pay the 80%. You will find that pricing can vary a great deal from company to company. This is nothing to worry about. The thing to remember is that a Plan F with one company has the same benefits as a Plan F with another. The only thing that differs is pricing!
Source: med-fraud.org

AHIP Medicare Survey: F Gets an A

Plan F will pay for the first 3 pints of blod, for example, and it also will pay the Part A hospice care coinsurance or copayment amount. Part F also will pay skilled nursing facility care coinsurance bills, Part A and Part B deductibes, some foreign travel emergency bills, and physician fees that Medicare Part B classifies as “excess charges.”
Source: lifehealthpro.com