The New Medicare.gov: Making Medicare Information Clearer & Simpler

Posted by:  :  Category: Medicare

The new Medicare.gov is just one of our efforts over the past year to make it easier for you to understand your Medicare. Whether it’s putting our information in simple, straightforward language so you can understand it the first time you read it or improving the design of the “Medicare Summary Notice ” so you can better understand your Medicare claims,  we’re committed to making Medicare information clearer and simpler.
Source: medicare.gov

Video: Government’s Financial Condition

Preventive & screening services

The page could not be loaded. The Medicare.gov Home page currently does not fully support browsers with "JavaScript" disabled. Please note that if you choose to continue without enabling "JavaScript" certain functionalities on this website may not be available.
Source: medicare.gov

The New Medicare.gov: Making Medicare Information Clearer & Simpler

The new Medicare.gov is just one of our efforts to make Medicare easier to understand. Whether it’s putting our information in simple, straightforward language so you can understand it the first time you read it or improving the design of the “Medicare Summary Notice” (MSN) so beneficiaries can better understand their Medicare claims, we’re committed to making Medicare information clearer and simpler.
Source: cms.gov

Using Medicare Advantage to Gain Political Advantage

It is almost certainly true that quality suffers when reimbursement rates are reduced. It is also appears to be true that competition amongst private providers in Medicare Advantage is leading to efficiencies that aren’t present in traditional Medicare, which we should probably take as a lesson. It is also often the case that when the government pays more for something, it spends more, and when it pays less for something, it spends less. But what all this really reveals is the folly of trying to control health spending through government-designed payment schemes. 
Source: reason.com

New Look for Medicare.gov

Now you can get to the Medicare Part D Plan Finder by clicking on the yellow box labeled “Find Health and Drug Plans” to the left of the picture on the homepage.  This will take you to the familiar Plan Finder.  Once there, if you click on the video to help guide you through the Plan Finder, the first page will look like the older version of the website where you clicked on the blue words “Compare Drug and Health Plans” to get to the Plan Finder. 
Source: retirementeducationplus.com

Medicare Plans, Policies Draw Analysis, Voters’ Interest

Los Angeles Times: Presidential Debate Questions Sync Up With Voter Concerns A new Pew Research Center polling analysis, released Monday, finds that the economy is voters’ dominant concern in this fall’s presidential election. An overwhelming proportion 87% said the economy would be “very important” to their vote … On healthcare, a matter of greater importance for women than for men, recent polling by the Pew Center found that Obama holds an advantage over Romney when voters were asked which candidate would do a better job of dealing with the issue. The same goes for Medicare, which ranked sixth in importance for swing voters (West, 9/24).
Source: kaiserhealthnews.org

New Lobbying Group Launched to Support Medicare Reimbursement Overseas

Posted by:  :  Category: Medicare

Love It! Improve It! Medicare For All! Poster - Washington DC by Glyn Lowe PhotoworksPRLog (Press Release) – Sep 19, 2012 – The U.S. healthcare system already suffers from a shortage of doctors, and with Baby Boomers flooding the market (by 2030, 1 in 5 Americans will be age 65 or older) it is sure to increase; the government cannot financially or practically afford to bring more people into an already overcrowded, understaffed marketplace. http://www.medicaltourismassociation.com “This new coalition serves to help protect Americans, by ensuring they receive access to quality healthcare from foreign hospitals and doctors, while living or traveling abroad.  Squire Sanders is proud to work/join forces with the IHRC to achieve this important goal,” said Scott Edelstein, Partner at Squires Sanders about their new agreement with the IHRC. The partnership between the MTA and the IHRC is designed to ease the burden on the U.S. healthcare system by allowing Medicare-eligible Americans living abroad to receive their Medicare treatment overseas rather than paying to travel to the U.S. for similar care. The group will give a voice to healthcare providers, insurance companies, overseas governments and hospitals that would benefit from a revamped structure that allowed Americans to receive their Medicare services in the countries they reside in (or those nearby). http://www.youtube.com/
Source: prlog.org

Video: 2012 Taiwan Int’l Medicare & Sencare Show Preview

Plymouth Doctor Indicted on Charges Alleging Illegal Drug Distribution and Medicare Fraud

The 10-count indictment charges that between 2007 and 2012, Dr. Soliman billed Medicare for services not rendered and distributed controlled substances outside the course of usual medical practice and for no legitimate purpose. During that time frame, Dr. Soliman billed Medicare for approximately $4,155,565 in claims. The majority of the claims were for physician home visits that were purportedly provided when Dr. Soliman was not present in the home, as required by Medicare. Dr. Soliman is also charged with providing prescriptions for OxyContin, Vicodin, and other pharmaceutical narcotics in exchange for cash payments outside the course of usual medical practice and for no legitimate purpose.
Source: international-transnational-criminal-defense-lawyers.com

Using Medicare Advantage to Gain Political Advantage

It is almost certainly true that quality suffers when reimbursement rates are reduced. It is also appears to be true that competition amongst private providers in Medicare Advantage is leading to efficiencies that aren’t present in traditional Medicare, which we should probably take as a lesson. It is also often the case that when the government pays more for something, it spends more, and when it pays less for something, it spends less. But what all this really reveals is the folly of trying to control health spending through government-designed payment schemes. 
Source: reason.com

Ryan’s Medicare Rhetoric Could Hurt in Florida

Start with a person who was born in 1944, began work at age 21, retired at age 65 and enrolled in Medicare. Over the course of his life he paid the Medicare tax out of his wages. According to the 2009 Medicare Trustees Report, the average Medicare benefit per person in 2008 was $11,012. We subtract the average Medicare premium of $1,288 to produce an average net benefit of $9,724. I’ll assume that this person collects the average Medicare benefit from age 65 through age 83 (his life expectancy as of age 65).
Source: thetakeaway.org

Miami: Medicare Fraudster a Turncoat

Waste, fraud, and abuse, the trifecta used to undermine even the most well-conceived and intentioned government programs.  Oscar L. Sanchez, who pleaded guilty to laundering millions in stolen Medicare payments, has agreed to cooperate fully’ with the U.S. attorney’s office.  Yeah, but, two questions:  1) How do we get our money back; and, 2) How do we prevent it from happening in the future.
Source: miamiinternationalbusinessattorneys.com

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

Senate Special Aging Cmte. Looks at Medicare Fraud

Posted by:  :  Category: Medicare

Benefit Security Card .. HALF of the U.S live in households that receive government benefits (26 May 2012) ...item 2..Brevard man gets 4 years in Social Security fraud case (Jun 1, 2012 ) ... by marsmet481The nation’s largest employers expect health care costs to rise with the implementation of the Affordable Care Act. That’s according to a survey by the National Business Group on Health released Monday with a first look at the effects of the new health care law on large businesses. The survey outlined costs, health care plan changes for 2013 and adjustments businesses are making to ensure their benefit plans comply with the health care law. National Business Group on Health President and CEO Helen Darling announced the survey’s findings, 
Source: c-span.org

Video: How to report Medicare Fraud

Report Medicare Fraud Just Before You Grow To Be A Victim

You or your loved one could be safe from Report Medicare Fraud when you use precaution during every professional health care circumstance. Preserve in thoughts that criminals do not often can be located in dark clothes with masks on their faces. Individuals who Report Medicare Fraud can seem to be typical caregivers or physicians, so sustain your guard up any time you give out personal facts which contain your Medicare card.
Source: freelongtermcareinsurance.com

Eye Opening Report on Hospital and Physician Medicare Fraud 

According to the Center’s report, doctors and other healthcare providers have, over the last decade, steadily billed higher rates for treating elderly patients and thereby  increasing their fees by more than $11 billion.  While there was little evidence indicating that Medicare patients were sicker than in prior years, or that the healthcare providers were rendering more care, analysis of claims from 2001 through 2010 indicated that the health care providers were using more lucrative billing codes.  The process of billing for more expensive services than were actually provided is called “upcoding.”
Source: indiananursinghomewatch.org

Report: No Area Of U.S. Cheats Medicare More Than S. Fla.

Some of those with drug or alcohol addictions were lured from out of state with promises to put a roof over their heads. Once they arrived, with their valuable Medicare cards in hand, they would be squeezed into Broward and Miami-Dade halfway houses and steered to Biscayne Milieu’s purported mental-health programs, according to prosecutors. But if they dropped out of the group therapy sessions, they would lose their housing.
Source: cbslocal.com

The Affordable Care Act Works: Winning the Fight Against Medicare Fraud

Note from NHCOA: The more informed you and your loved ones are regarding your health, the less likely you are to become a victim of health care fraud. With support from the Administration on Aging, the National Hispanic SMP (NHSMP) reaches Hispanic older adults, families, and caregivers to protect, detect, and report Medicare fraud in a culturally, linguistically and age appropriate manner. For more information, visit www.nhcoa.org/medicare.
Source: nhcoa.org

Medicare fraud scheme puts Louisiana woman, others behind bars

The woman was sentenced in U.S. District Court to 18 months in prison. In addition, she will be supervised for a period of two years after her release from prison and will be required to pay $3.18 million as restitution for her supposed crimes. Documents show that eight other defendants have been sentenced in regards to this scheme with three more people still awaiting their sentences. In most criminal cases, the sooner a defense attorney is contacted the more effective he or she will be in developing an effective strategy in response to any charges.
Source: steveleblanc.com

The Healthcare Fraud That Wasn't: Investigative Report Bashes Providers without Hard Evidence

Even in a Medicare population with its inherent complexity of care, family physicians still code half of their evaluation and management (E/M) established patient services as 99213 and only about a third as 99214. It is widely believed that, despite residency training and admonitions thereafter, most family physicians undercode and many underdocument. Fixing these problems can be of enormous financial benefit to the practice. Assuming current Medicare payment rates, changing to a distribution where most of the codes are 99214 could yield an additional $30,000 to $75,000 per full-time physician per year (how much depends on where you begin and how close you get to an ideal distribution of codes) … This shift would have to stand up to audit, but it would be a lifeline to resource-starved practices that currently see no escape from “hamster wheel” medicine.
Source: insidepatientfinance.com

Useful video about reporting Medicare Fraud

How to report Medicare FraudAccording to the US government, tens of billions of dollars of Medicare Fraud occur every year. In light of the affordable healthcare debates of late, Medicare fraud is an extremely important issue when looking at healthcare law in the US. This video provides information about how a healthcare professional can report Medicare Fraud.
Source: healthcarelawnet.com

Why Medicare Supplemental Insurance Cover is Important for Senior Citizens? at Maximum Performance Begins With A Healthy Body

Posted by:  :  Category: Medicare

The most popular Medicare supplement plans are Plan F, G, and N. Even though there are several Medigap policies out there on the market, the above mentioned ones are highly popular and account for more than 91 percent of Medigap sales. The Medicare supplement insurance policy’s plan F offers highest coverage, and it is also famous as “Cadillac” plan. Plan G offers best value for money, and Plan N is cheapest Medigap plans, but offers less benefits.
Source: procureperformance.com

Video: Medicare Supplement plan F High Deductible Explanation

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

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

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

California Medicare Supplement Plans Blue Shield

each month for 12 months on your Medicare Supplement Plan rates.To qualify, you must be age 65 or older, and Blue Shield must receive your application within six (6) months of the date you first enrolled for benefits under Medicare Part B. Savings will be effective for the first twelve 12 months of your plan dues.The Welcome to Medicare Rate Savings is available for all Medicare Supplement Plans that Blue Shield of California offers. You can also take advantage of our two-party rates and Easy$Pay
Source: mattlockard.net

'''How Much Does Medigap Insurance Cost?

Original Medicare includes Part A Hospital Insurance andPart B Medical Insurance pays for many, but not all, health-related services and medical supplies. You should purchase an insurance policy to cover the “gaps” that are not paid for by Medicare, such as copayments, coinsurance, and deductibles.
Source: georgia-medicareplans.com

2012 Medicare Open Enrollment Period

You can also enroll for the first time in a Part D plan during AEP if you did not enroll during your open enrollment window when you first became eligible for Medicare Part B.  If you do not have credible drug coverage, you may be subject to the Part D late enrollment penalty.  This penalty is calculated by adding 1% to your premium for each month you were not enrolled and should have been.
Source: ohioinsureplan.com

Medicare Supplement Plan Comparison Explanation

Medicare Supplement Plan K is a Medigap plan choice that is quite a departure from the previous plans. This plan offers comprehensive preventative care coverage, part A hospital co-insurance and  hospitalization coverage for one year. It covers up to half of costs from the Medicare Part A deductible and half of skilled nursing facility costs.  Covers 50% of first 3 pints of blood.  This plan has a maximum out-of-pocket limit of $4,660 per year, at which point plan covers 100% of covered costs that calendar year.
Source: medicaremedigaprates.com

Medicare fraud scheme puts Louisiana woman, others behind bars

Posted by:  :  Category: Medicare

Benefit Security Card .. HALF of the U.S live in households that receive government benefits (26 May 2012) ...item 2..Brevard man gets 4 years in Social Security fraud case (Jun 1, 2012 ) ... by marsmet481The woman was sentenced in U.S. District Court to 18 months in prison. In addition, she will be supervised for a period of two years after her release from prison and will be required to pay $3.18 million as restitution for her supposed crimes. Documents show that eight other defendants have been sentenced in regards to this scheme with three more people still awaiting their sentences. In most criminal cases, the sooner a defense attorney is contacted the more effective he or she will be in developing an effective strategy in response to any charges.
Source: steveleblanc.com

Video: Medicare Fraud Case

Texas doctor pleads not guilty again in fraud case

In June, the Texas Medical Board said Roy had agreed to surrender his license to practice medicine in the state. The order says the 54-year-old Roy does not admit or deny the federal allegations against him, but agreed to a settlement to avoid a possible lawsuit.
Source: kltv.com

And The Beat Goes On. . . Medicaid Fraud Suits Continue Churning and Returning Taxpayer Money Paid To Medical Providers

But that suit was only one of several other notable medical provider fraud suits that have been settled in the past several months. In May, Abbott Laboratories reached its own $1.5 billion settlement in an action that included federal and state claims for False Claims Act violations involving off-label promotion of medication, 2012 Jury Verdicts LEXIS 5186. In early August, the State of California and the U.S. Government entered into a $322 million settlement with long term care provider SCAN Health Plan in an action arising from questionable Medi-Cal billings. 2012 Jury Verdicts LEXIS 11807. In late July, drug wholesaler Express Scripts, Inc. agreed to pay $151 million in a New Jersey federal court action brought by 29 States and the District of Columbia. 2012 Jury Verdicts LEXIS 9675. In June, dialysis company DaVita, Inc. agreed to repay $55 million in a Texas federal suit relating to claims it had overfilled and over-administered the drug Epogen without regarding to medical necessity or patient need. 2012 Jury Verdicts LEXIS 8694. Medical provider NextCare agreed to repay $10 million in a North Carolina federal action relating to claims it had billed for medically unnecessary tests. 2012 Jury Verdicts LEXIS 8890.  
Source: lexisnexis.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

An Unlikely Case of Medicare Fraud

[…] Ironically, Medicare payments for penile pumps have risen by more than 500 percent in the last 10 years. Federal fraud investigators have been challenging the legitimacy of payments for many of these devices. The Center for Medicare and Medicaid Services reports that annual expenditures for these pumps have gone up from $7.2 million in 2000 to more than $36 million in 2011. The government has uncovered rampant fraud associated with the devices. An Illinois supplier bought sex toy penile enlargement devices from cheap Internet dealers, and he sent them to Medicare patients who did not ask for them. They were all diabetes patients, and he lied to them by stating that the device would help with their bladder issues. He billed Medicare for the penile pumps at an increased markup of nearly 11 percent.Source: getholistichealth.com […]
Source: getholistichealth.com

Defendants face aggressive prosecutorial efforts in health care fraud cases

According to the Centers for Medicare and Medicaid Services, up to $98 billion was lost to fraud and abuse in 2011. Because of the great amount of abuse in this area, the Obama administration has vowed to fight Medicare fraud and abuse very purposefully. The Affordable Care Act, for instance, includes provisions for more coordinated law enforcement efforts, increase standards for medical providers and the use of technology to better identify erroneous and fraudulent billing patterns.
Source: batonrouge-criminallawyer.com

Whistleblower Alleges Overbilling Of Medicare By Florida Hospice

Douglas Stone was an executive at the Hospice of the Comforter, based in Altamonte Springs, when he learned that the company was overbilling Medicare for patient stays. He filed a whistleblower lawsuit alleging Medicaid/Medicare fraud against the Florida nursing home a year ago; the U.S. Department of Justice recently intervened and will now be pursuing the Medicare fraud claims.
Source: federalwhistleblowerlawyers.com

Senate Special Aging Cmte. Looks at Medicare Fraud

The nation’s largest employers expect health care costs to rise with the implementation of the Affordable Care Act. That’s according to a survey by the National Business Group on Health released Monday with a first look at the effects of the new health care law on large businesses. The survey outlined costs, health care plan changes for 2013 and adjustments businesses are making to ensure their benefit plans comply with the health care law. National Business Group on Health President and CEO Helen Darling announced the survey’s findings, 
Source: c-span.org

The parasitic financial sector has looted the nation, and the Federal Reserve is the enabler of this predation

Since 2004 the GAO has made numerous recommendations for more stringent enrollment procedures of healthcare providers. But during that time, while the GAO was pleading with lawmakers that more needed to be done, a Cuban immigrant who allegedly conspired with a “syndicate of international money launderers” sent money fleeced from Medicare through a complex web of shell companies into Cuba’s banking system to hide it. The case is part of a broader investigation involving 70 Florida companies. The Miami Herald reported that since the mid-1990′s “waves of Cuban migrants have learned myriad ways to fleece the taxpayer-funded healthcare program for the elderly and disabled. Meanwhile, about 150 suspects have fled back to Cuba and other parts of Latin American to evade prosecution, according to FBI and court records.”
Source: ncrenegade.com

Texas firm to pay millions in Medicare fraud case

HOUSTON — A Dallas-area medical manufacturer has agreed to pay $42 million in penalties to settle civil and criminal cases related to fraudulent claims it made to Medicare and other federal health care programs when selling bone growth stimulator devices, the Justice Department announced Thursday.
Source: columbiamissourian.com

Feds Join $11M Medicare Fraud Case Against Fla. Hospice

The federal government has intervened in an $11 million whistleblower suit from a former employee who claims an Orlando hospice billed Medicare for palliative treatments it provided to elderly patients who were not terminally ill, the U.S. Department of Justice said Thursday. Read More…
Source: lexisnexis.com

Medicare Fraud Affects Safety of Residents : South Carolina Nursing Home Blog

The New York Times had an article about how Medicare fraud can affect residents in nursing homes and what can be done about it.  The article uses the story of Jerry Gilman as an example.  Mr. Gilman, a Vietnam veteran, has peripheral neuropathy and other complications from exposure to Agent Orange.  He is a high risk for falls and needed a motorized wheelchair. With the approval of his doctor and Medicare, Mr. Gilman ordered a power chair from Hoveround.  When the chair arrived, Mr. Gilman realized quickly that it was not the model he had requested: it was made by a different manufacturer, and it was much smaller and less safe.
Source: scnursinghomelaw.com

Patient Recruiter Sentenced to 18 Months in Prison for Medicare Fraud

The case was filed and prosecuted through the joint efforts of the U.S. Department of Justice, Criminal Division and the Department of Health and Human Services and more specifically, the Medicare Fraud Strike Force. The Strike Force teams federal, state, and local investigators from various agencies together to combat Medicare Fraud. It was expanded to nine locations, encompassing the Baton Rouge, Louisiana unit that prosecuted this case. According to the DOJ, the Force has charged 1,330 defendants who have falsely billed Medicare for more than four billion dollars.
Source: wolterskluwerlb.com

Medicare for dummies, please

Posted by:  :  Category: Medicare

Medicare doesn’t kick in for one year after the start of your disability. Most of your answers can be found on the medicare website. It costs me about $100/mo. You have to get Part A and B. Medicaid will depend on your income. Not many people on this site are NOT on Medicare and won’t be able to provide detailed answers. For line of duty injuries/illnesses, there should be no copay with the VA. The Medicare Co-pay (20%) would be if you had no secondary insurance (Tricare) and did not use military or VA facilities.
Source: pebforum.com

Video: Medicare for Dummies

Are We Living in the Last Days?: Economics for Dummies!

I repeatedly hear people talking about what they receive from the government. I point out that government produces nothing and therefore cannot give a person anything. The government takes from tax paying Americans and redistributes the funds to those whom they choose to assist. Millions of our collective taxpayers dollars, along with funds borrowed from China, (one of every three dollars spent is borrowed) are given to foreign countries in the form of foreign aid (this from a country on the verge of bankruptcy) as well as social programs such as Social Security, Medicare, Medicaid, Food Stamps etc. Each and every one of these programs are clearly unsustainable for those who are under 50 years of age! So, understanding this then let’s ask the question, What happens when the funds collected are less than the funds distributed. The answer is, government borrows or prints more dollars. However, there will come a time when the government will not be able to borrow nor print more funds so the distribution ceases. As you read this if you are under 50 you should be getting very angry because the government is taking funds from you that they know full well they will never be able to give back to you in the form of Social Security nor any other aid as these programs will clearly cease to exist in a very few years. Business, on the other hand, creates jobs and make it possible to produce goods and services that people want and need and will pay for. As people buy these goods and services the business grows and the business owner who risks his/her funds to start the business makes a profit and uses some of that profit to hire others to work, and in turn increases the goods/services produced and sold. The people who are hired to assist the business owner pay taxes to the government who redistributes the funds. Now watch this; if there is no business there are no taxes collected! When government injects itself into business and imposes regulations that make it difficult, if not impossible to produce/expand the business, funds are restricted and business owners simply get out of the business resulting in lost jobs and lost income. Once this begins to occur people turn to government and demand government provide for them. Enter Greece! In Greece Trade Unions, assisted by government regulations on business, have made promises to the Greek people they simply cannot provide so what happened; riots, demonstrations and a country that is economically imploding! This IS GOING TO HAPPEN in AMERICA and SOON UNLESS we get rid of the President who does not understand how America, the Corporation; America the Business works! As November 6 approaches Americans under 50 better think about this and vote for Real Change that Must Come or Else! Put a businessman in charge of America the Business who understands economics 101! Just my Thoughts
Source: blogspot.com

Medicare for “Dummies”

capital gap caregivers chronic care consumer engagement disease management economy electronic medical records emrs finance/revenue cycle geisinger genomics health 2.0 health care jobs Health Care Technology Network health it health policy hospitals innovateHealth innovation long cold winter marketing medicaid/medicare nashville market next things now Obama Administration palliative pharmaceuticals politics productivity quality Rick Carlson seattle seattle market start-ups uninsured/underinsured value-based purchasing venture capital wal-mart web-based solutions web 2.0 wee week week in numbers wellness
Source: wordpress.com

swat: Medicare for Dummies

WSJ edit: The thing about the bully pulpit is that Presidents can make the most fantastic claims and it takes days to sort the reality from the myths. So as a public service, let’s try to navigate the, er, remarkable Medicare discussion that President Obama delivered on Wednesday. It isn’t easy. Mr. Obama began by depicting a crisis in the entitlement state, noting that “our health-care system is placing an unsustainable burden on taxpayers,” especially Medicare. Unless we find a way to cauterize this fiscal hemorrhage, “we will eventually be spending more on Medicare than every other government program combined. Put simply, our health-care program is our deficit problem. Nothing else even comes close.”
Source: blogspot.com

Avoiding The New Tax On Investments : Liberty Investor

Robert C. Carlson is editor of the monthly newsletter and web site, Retirement Watch. Carlson is Chairman of the Board of Trustees of the Fairfax County Employees’ Retirement System, which has over $3 billion in assets, and was a member of the Board of Trustees of the Virginia Retirement System, which oversaw $42 billion in assets, from 2001-2005. He was appointed to the Virginia Retirement System Deferred Compensation Plans Advisory Committee in 2011. His latest book is Personal Finance for Seniors for Dummies, published by John Wiley & Co. in 2010 (with Eric Tyson). Previous books include Invest Like a Fox… Not Like a Hedgehog, published by John Wiley & Co. in 2007, and The New Rules of Retirement, as published by John Wiley & Co. in the fall of 2004. He has written numerous other books and reports, including Tax Wise Money Strategies, Retirement Tax Guide, How to Slash Your Mutual Fund Taxes, Bob Carlson’s Estate Planning Files, and 199 Loopholes That Survived tax Reform. He also has been interviewed by or quoted in numerous publications, including The Wall Street Journal, Reader’s Digest, Barron’s, AARP Bulletin, Money, Worth, Kiplinger’s Personal Finance, the Washington Post, and many others. He has appeared on national television and on a number of radio programs. He is past editor of Tax Wise Money. Carlson is an attorney and passed the CPA Exam. He received his J.D. and an M.S. (Accounting) from the University of Virginia and received his B.S. (Financial Management) from Clemson University. He also is an instrument rated private pilot. He is listed in several recent editions of Who’s Who in America and Who’s Who in the World.
Source: libertyinvestor.com

Bigmouthery: Election Speak for Dummies.

We’ve covered conventions, the college and a lot of scuttlebutt but in the heat of the 2012 election campaign. But some things are easy to forget. A lot of the jargon, acronyms and abbreviations commonly used in presidential elections are new to many of my Australian readers. So here, in no particular order because I’m too lazy) is an arbitrary and quick-fire guide to some of the language you’ll hear during the run up to November 6.
Source: bigmouthery.com

$390 million rise in state employee health insurance raises concerns about costs and quality

Posted by:  :  Category: Medicare

Health Insurance Does Not Insure Health by SavaTheAggieAnne Timmons, director of the Employee Benefits Division in the Department of Budget and Management, said there were changes made to the employee benefit plan on July 1 to help eliminate unneeded costs. Among them, raising the emergency room co-pay is designed to discourage unnecessary trips to the emergency room. Timmons mentioned that Medicare started a program where they will not pay for medical mistakes and said that the state is also working to build that into its benefit plans as well.
Source: marylandreporter.com

Video: Health Care Police State – Wake Up America #8

State Roundup: Anthem Dumps Cedars

California Healthline: Exchange Considers Community Grants For Outreach Stakeholders and board members mapped out marketing strategies focusing on community outreach for California’s new Health Benefit Exchange at a board meeting this week in Sacramento. … The exchange’s staff is planning ways to use community-based grants to educate Californians on how and where to sign up for health care. The exchange is paying particular attention to communicating with populations it considers hard to reach, including rural and lower income Californians, according to Juli Baker, chief technology officer for the exchange (Nick-Kearney, 9/21).
Source: kaiserhealthnews.org

Daily Kos: Romney can’t decide if ERs are socialism or a great health care plan

Yes Er’s do give life saving care, some don’t, they simply can’t afford it. There are plenty of big city hospitals that pretty much turn people away and send them to the hospital down the street…the only one in the area who might accept indigent patients. The other half of this is, if a patient has a disease such as cancer which needs chemo and radiation, possibly surgery…hospitals don’t automatically assume that responsibility. They can’t with out seeking subsidies from the government. If there are no subsidies, believe me the patient will NOT receive the care! There are millions of people with little or no income who are denied care by physicians, hospitals, clinics,etc.. Patient simply go without. The hospital may try to get Medicaid for the patient but sometimes they don’t qualify.Many physicians will not accept Medicaid. A patient might have a job and makes too much $$ to qualify but certainly don’t have 10s of thousands of dollars to afford expensive care. They go without. So my point is…people who are poor, have no health insurance..maybe because they just lost their job, down on their luck, or have suffered multiple tragedies in their family don’t automatically get health care!  Some DO have health insurance but the policy covers very little, will not cover certain procedures, care such as a specific chemotherapy may not be covered. Some patients who have these policies may go to the ER or to a Dr’s office and pre authorization is required for a procedure…the insurance company will often deny coverage so the only way the patient can get the care is to pay for it themselves….money they don’t have.  Mitt and Ann Romney have no clue what’s it like for people who have a child who needs considerable health care but they cannot afford it. Look at Rick Santorum..he has a special needs child but he also has EXECELENT GOVERNMENT health insurance that covers her bills!  Do any of them give a damn about those who cannot afford health care? Hell no! Romney, Ryan, Santorum and the rest of the GOP would simply cut off any and all government supplied health care! The devil is in the details folks…if the GOP is elected there will be an intense determination on their part to cut all health care to to poor, the working poor, the poor elderly, special needs, sick children!  They will be delighted to pay for WAR with Iran but to hell with the sick and vulnerable in our own country,
Source: dailykos.com

Insurance Coverage Improves In 20 States, Census Shows

The latest data come a week after the Census Bureau reported that nationally the percent of uninsured dropped in 2011, its first drop since 2007 and largest decline since 1999. That closely watched report found that 48.6 million Americans were uninsured for all of 2011 compared to 49.9 million in 2010. Health policy experts attributed the decline to more people enrolled in government programs such as Medicaid, the state-federal health insurance program for the poor; and the percentage of people with private coverage did not decline for the first time in a decade.
Source: kaiserhealthnews.org

CONVERSABLE ECONOMIST: Without Health Insurance by State and County

The U.S. Census Bureau has published “Small Area Health Insurance Estimates (SAHIE): 2010 Highlights.”  The document itself is only eight pages long with a few tables and figures. But it links to a nice interactive tool that lets you look at those with or without health insurance broken down by income, sex, race, age, and state or country. You can either generate data tables or maps. Here’s a basic table showing the share of those below 138% of the poverty line who lack health insurance on a state-by-state basis. The table is striking because, after all, Medicaid provides public health insurance for many of those below the poverty line. But it’s worth remembering, as I discuss in an earlier post on “Medicaid in Transition,” that Medicaid is aimed at the “deserving” poor, which covers low-income families with children, along with the poor who were also disabled or elderly, but it doesn’t automatically cover everyone below the poverty line. Even more, the vast majority of Medicaid’s spending is not on low-income families of able-bodied adults with children, but instead on those with low incomes who are also blind, disabled, and elderly. Thus, this table is showing how many of the poor and near-poor don’t have health insurance.
Source: blogspot.com

Replacing ObamaCare: Insurance Across State Lines (Part 1)

These state insurance commissioners fight against this popular health care reform for one reason: power. Right now, they have it. When the sale of health insurance is restricted to just inside their state, they have the power to set and enforce the rules however they would like. In fact, that’s their primary response to the reform proposal: You can’t trust those other insurance commissioners, they’ll set worse rules than me, overly lenient ones! You don’t know anything about insurance, especially not health insurance; it’s much too complicated. Don’t worry about it though, I’ll protect you. As long as I set the rules for insurance in our state, I’ll make sure the insurance companies cover everything you need. Promise!
Source: freedomworks.org

Understanding State and Private Health Insurance Exchange Dynamics

Amid aggressive deadlines and slow progression of requirements set by state exchanges, anticipation of the issuance of the Supreme Court’s decision on health care in June has caused some payers (and states) to slow strategic and tactical planning. Despite uncertainty about the Supreme Court’s decision, many payers are positioning themselves strategically to compete on state or private exchanges and identifying opportunities to better target consumer centric growth, product offerings, service models, technologies and engagement strategies. ”Payers need to be savvy about directing strategy around targeted consumer bases and ensuring their products, processes, programs and resources are efficiently and effectively aligned,” says Barbara Mann, director of health care reform consulting at OptumInsight. “Regardless of a participation decision on a state exchange, payers recognize that this is simply how the industry is evolving.”
Source: optum.com

State of the States: Health Insurance Exchanges

Meanwhile in Nebraska, the state concluded a series of public hearings to gauge public and stakeholder views on its exchange options. While Governor Dave Heineman (R) seemed cautious about moving forward with a state-based exchange through most of the meetings, other stakeholders supported the creation of a state-based exchange. Both Nebraska’s insurance agents and major insurance companies voiced their support for the creation of a state-based exchange, primarily because it would allow the state to retain some control over its insurance market. However, Governor Heineman was not as easily convinced. At a hearing last week, he expressed doubt that the state would really retain that much control over its exchange saying, “We can’t make one single decision without getting approval from the federal government.”  While Governor Heineman debates whether to create a state-based exchange, Nebraska’s exchange planning continues. According to Bruce R. Ramge, Nebraska’s director of insurance, the state has created a draft RFP for its exchange IT system.
Source: jdsupra.com

How the ACA Changes Pathways to Insurance Coverage for People with HIV

Posted by:  :  Category: Medicare

Carolyn Comeau On The Impact Of Health Insurance Reform by Leader Nancy PelosiThere are multiple sources of insurance coverage and care for people with HIV in the United States.  These include public programs, such as Medicaid and Medicare, and the Ryan White HIV/AIDS program, as well as private coverage through an employer or in the individual market. Medicaid, the nation’s principal safety-net health insurance program for low-income Americans, is estimated to cover the largest share of people with HIV. Fewer are covered by Medicare, the federal health insurance program for people age 65 and older and younger adults with permanent disabilities, or have private insurance, and a significant share is uninsured, relying primarily on Ryan White, the nation’s single largest federal grant program designed specifically for people with HIV who are uninsured or underinsured, and operating as the “payer of last resort.” Eligibility for these different coverage sources depends on numerous factors, including state of residence, income, employment and health status, age, and citizenship. As a result, the current system of coverage for people with HIV is a complex patchwork that leaves some outside the system and presents others with barriers to needed access. The Affordable Care Act (ACA), passed in 2010, will expand insurance coverage, and therefore access to care, for millions of people in the U.S., including people with HIV. Some of the ACA’s provisions went into effect soon after the law was passed; most that affect coverage will go into effect in 2014. Access to care, particularly antiretroviral treatment (ART), is not only critical for the health of people with HIV, it also carries important public health benefits with recent research demonstrating that ART significantly reduces the risk of HIV transmission from an HIV positive to negative individual. A new series of infographics developed by Kaiser depicts the pathways to insurance coverage for people with HIV, prior to the ACA, after the ACA was enacted but before 2014, and as of 2014 and beyond. As they indicate, coverage options have already expanded for people with HIV and are expected to expand further in 2014, although coverage will continue to vary across the country. Prior to the ACA (before 2010) Employer-sponsored coverage (ESI) is the primary way in which most people in the U.S. obtain health insurance coverage, although studies indicate that this is less so for people with HIV. Those without access to ESI could attempt to purchase coverage in the individual, non-group market. However, prior to the passage of the ACA, many people with HIV were effectively shut out of the individual market either because HIV was considered an uninsurable, pre-existing, condition by insurers or, if available, was often unaffordable. Medicaid, Medicare, and other public programs, therefore, were important pathways for people with HIV. To be eligible for Medicaid, an individual has to meet the income criteria in their state and belong to a group that was “categorically eligible” (children, parents with dependent children, pregnant women, and individuals with disabilities), and most people with HIV qualify on the basis of being both low-income and disabled. Prior to the ACA, federal law categorically excluded non-disabled adults without dependent children from Medicaid, unless a state obtained a waiver or used state-only dollars to cover them. This presented a barrier, and a “Catch-22,” to many low-income people with HIV who could not qualify for the program until they were disabled, despite the fact that Medicaid covers medications that stave off HIV-related disability and reduce mortality. To be eligible for Medicare, an individual has to be age 65 or older or, if under 65, permanently disabled. If not eligible for Medicare or Medicaid, a person with HIV might have access to state-funded coverage, such as a high risk pool, available in some states, but ultimately, would likely need to rely on the Ryan White program. In addition, Ryan White often “wrapped around” other forms of coverage, including Medicaid and Medicare, providing supplemental services where needed. >>View full-size version (.pdf) ACA Transition Period (2010-2014) The ACA provided additional coverage options in 2010. In the private insurance market, the ACA established a temporary program in every state to allow people with pre-existing medical conditions, such as HIV, who had been uninsured for six months or more and denied insurance coverage to purchase coverage through a Pre-Existing Condition Insurance Plan (PCIP). It also prohibited individual and group health plans from placing lifetime limits on coverage, thereby preventing people with very expensive illnesses from running out of coverage, and extended dependent coverage for adult children up to age 26 in all individual and group plans. In addition, the ACA created a new state Medicaid option for states to cover childless adults with incomes up to 138% of the federal poverty level (FPL) in their Medicaid programs, which several states have already used. Still, even with these expanded options, people with HIV who remain ineligible for coverage, or face limits in their coverage (e.g., benefit limitations), continue to rely on Ryan White. >>View full-size version (.pdf) Full Implementation of the ACA (2014 & Beyond) Most of the ACA’s coverage expansions go into effect in 2014. As of 2014, the ACA requires U.S. citizens and legal residents to have qualifying health coverage, and provides additional insurance market protections, cost-sharing, and coverage options to facilitate coverage. Health insurers will no longer be able to deny coverage to people with pre-existing health conditions (and the temporary PCIPs will no longer be needed). They will also be prohibited from placing annual limits on coverage and be required to guarantee issue and renew health insurance regardless of health status. Individuals will be able to purchase coverage through state-based “Health Insurance Exchanges” and depending on income, people without access to affordable ESI will be eligible for premium and cost-sharing subsidies to purchase coverage in the exchange. Finally, as of 2014, the ACA establishes a new Medicaid eligibility category for citizens and legal residents with incomes up to 138% FPL (thereby removing the categorical eligibility requirement and basing Medicaid eligibility solely on income) and provides states with an enhanced federal matching rate for this population. While a new mandatory eligibility category was established under the law, the Supreme Court of the United States ruled in June 2012 that states could not be penalized if they did not expand coverage to this new group, and it is therefore uncertain if all states will comply with this requirement. >>View full-size version (.pdf) The ACA has already led to improvements in access to and quality of care for people living with HIV and, when fully implemented in 2014, is expected to significantly expand access even further. Still, there are several outstanding questions, including: Will states go forward with the Medicaid expansion and provide coverage to a significant number of people who are HIV positive? Will the benefits package available through Medicaid and the Exchange be sufficient for people with HIV? And, how might the Ryan White program be changed or restructured when it comes up for reauthorization next year, filling in gaps for those who are ineligible for other coverage or still face high cost-sharing for drugs and other health care services? — Jen Kates
Source: kff.org

Video: Insurance Information : How Long Will Medicaid Pay Health Insurance Premiums?

OK: Visitors from the East bear gifts of Medicaid reform

Until 2005, Florida and then-Governor Jeb Bush “faced the exact same dynamics that every state, including Oklahoma, is facing today — an unsustainable Medicaid program,” Bragdon said. It was what critics call “a pay-and-chase system, where government paid claims [and] chased after fraud, but nobody thought about this: ‘Is Medicaid what Medicaid should be, from the start — which is an effective health program, to move patients who are poor and sick to better health and on to a better life?’”
Source: watchdog.org

Institute for Economic Competitiveness

Stephanie Tatge of Sarasota has not been a slacker by any definition since her graduation from Lafayette College in Pennsylvania in 2008, with a double major in international affairs and environmental science. The former Pine View School student has worked in her hometown during the tourist season, leading kayak tours, tending bar and waiting tables — managing to pay off her college loans and finance summer trips abroad to volunteer with sustainable agriculture projects.
Source: ucf.edu

Some States Mull Partial Medicaid Expansion Under Health Law

The Hill: Calif. Exchange Wants TV Shows To Help Tout Obama Health Care Law Officials in California want prime-time TV shows to help promote President Obama’s healthcare law. Outreach to television producers is part of the marketing plan adopted by California’s insurance exchange — a new marketplace, created by the Affordable Care Act, where individuals and small businesses will be able to buy private insurance. The exchange’s public-relations plan says “individuals from California’s robust entertainment industry will be approached at the most senior levels” to promote the new marketplace and get people enrolled. “A number of popular television programs and personalities such as Grey’s Anatomy, Modern Family, the Biggest Loser, Dr. Oz and others will be approached and pitched to incorporate story lines or mentions of health care reform that would reinforce campaign messages,” the marketing plan states (Baker, 9/17).
Source: kaiserhealthnews.org

State Strategies For Controlling Medicaid Costs

What about under treatment? When doctor’s get a bonus from surplus created by NOT providing health care then the incentive is to deny treatment even if it is necessary care. The problem with the HMOs from the 1990s is that they pocketed the money from premiums and then didn’t let people have sufficient health care. People died who didn’t have to die. The only way to have high quality health care but control costs is to have single-payer national health insurance because everyone is in the same system and costs can’t be shifted. Everyone has incentive to keep costs as low as possible but quality as high as possible. Every other nation has some form of national health insurance where for-profit companies are not allowed to play a dominant role in health care. We spend 31% of every health care dollar on administration because we use a for-profit health insurance based system. Traditional Medicare uses only 3% – 6% administrative costs – if you let for-profit health insurance companies take a medicare pie with the Medicare Advantage programs you increase your administrative costs to 12% – 20% but the quality of care goes way down. Quit blaming patients and doctors. The problem is the greedy for-profit health insurance company middlemen who are only takers and provide nothing of value to our health care system.
Source: thedianerehmshow.org

Something’s wrong! NotAuthorized

Incumbent Sen. Scott Brown wants the Massachusetts senate race to be about anything but his voting record and the issues because he’s losing on that ground. So he’s launched a nasty, personal attack …
Source: dailykos.com

Medicare and Medicaid Costs (Utility Post)

The go-to source on Medicare Advantage is the official Medpac report (pdf), which currently finds MA plans costing on average 7 percent more than conventional Medicare. This is less than the premium a few years ago; apparently (pdf) because several changes in Medicare policy more or less incidentally put the squeeze on MA plans. So far those plans are still expanding, but time will tell.
Source: nytimes.com

TWIN FALLS, Idaho: Report: Medicaid expansion could add 111,500 in ID

The U.S. Supreme Court upheld the insurance overhaul, but concluded states like Idaho couldn’t be punished for not expanding Medicaid coverage. Consequently, Otter formed the Medicaid panel to look into the best course of action for Idaho.
Source: idahostatesman.com

Why Medicaid expansion is a must

“Alex”, “Doug”, “Juan Gonza”, “frances”, “David Wordslay”, and “Andrew” are all made-up names from the same person. It isn’t worth responding to his comments. So, when you see “Alex” get agreement from “Doug” it shouldn’t be surprising. And when you see “Juan Gonza” parrot the line that “Doug” took it should be expected. I guess it’s flattering that the NC right-wing machine feels funding someone to spend enormous amounts of time on our blog is worthwhile, but ignoring the anonymous posts he wouldn’t dare confess to writing under his own name should be easy.
Source: ncpolicywatch.org

Easier to Understand Health Insurance Benefits Coming Sep. 23

Posted by:  :  Category: Medicare

Tax Penalties and Bureaucratic Burden of Domestic Partner Health Insurance by Third WayGood news, starting September 23, health insurers and group health plans will be required to provide you with an easy-to-understand plan summary about a health plan’s benefits and coverage. This new regulation is designed to help you better understand and evaluate your health insurance choices; the forms will consist the Summary of Benefits and Coverage (SBC) and a Uniform Glossary.
Source: insuremonkey.com

Video: Healthcare ( LOW COST / HIGH COVERAGE HEALTH & DENTAL CARE BENEFITS )

Kansas Wrestles With Whether To Decide Which Health Insurance Benefits Are Essential

But cost shouldn’t be the only concern, according to Sheldon Weisgrau.  He heads a nonprofit organization that seeks to help Kansans understand the health overhaul.  Weisgrau says it’s important to remember why Congress included essential health benefits in the law.  “Health care and health insurance are expensive and complex. There’s seldom a balance of information between the provider, or seller, and the consumer.  It is reasonable, therefore, for consumers to be protected from products that offer extremely limited coverage and value.”
Source: kaiserhealthnews.org

Divorce and Health Insurance Benefits

If both parties do not have health insurance benefits available and if the cost of obtaining those health insurance benefits for the other party after a divorce become prohibitive, there is one way to continue benefits without additional cost.  That way is to enter into a separation agreement, but delay the divorce.  That way, the parties actually do remain married and they can stay on the same health insurance plan even thought they are separed.  The parties can consent to waiting for one, two or more years before either one files for a divorce.  While the parties will remain married, their property, custody, and support issues will be addressed in their separation agreement.  Under some circumstances, this is an optimal resolution.  For example, what if both parties want one spouse to remain at home for several more years with young children, but they do still want to separate and divorce?  This option works for them.  They can separate, agree upon getting a divorce and all of the terms that they have to agree upon, but delay the final divorce so that they can keep cost effective health insurance benefits in place.
Source: scoremonroe.org

Health Care Benefits: An Overview

This plan provides your family members with greater flexibility in choosing their health care provider in overseas locations than TRICARE Prime Overseas, but costs you more in out-of-pocket fees. Your family members can choose any qualified host nation health care provider. Active duty family members living overseas with their sponsors, retirees and their family members residing overseas, survivors living overseas, and some eligible former spouses who reside overseas are eligible for TRICARE Standard Overseas. Family members of National Guard and Reserve service members who are living overseas while their sponsor is on active duty for more than thirty consecutive days are also eligible for TRICARE Standard Overseas.
Source: militaryfamily.com

Obamacare requirement for user

Under President Barack Obama’s healthcare reform law, employers and insurers must provide a summary of benefits and coverage in a clearly worded, standardized format that allows the private insurance market’s 163 million beneficiaries to make side-by-side comparisons of plan offerings.
Source: medcitynews.com

$390 million rise in state employee health insurance raises concerns about costs and quality

Anne Timmons, director of the Employee Benefits Division in the Department of Budget and Management, said there were changes made to the employee benefit plan on July 1 to help eliminate unneeded costs. Among them, raising the emergency room co-pay is designed to discourage unnecessary trips to the emergency room. Timmons mentioned that Medicare started a program where they will not pay for medical mistakes and said that the state is also working to build that into its benefit plans as well.
Source: marylandreporter.com

HEALTH EDUCATION: American Health Care Reform

The American health care reform act signed into law on March 2010 means different things to different people. To the women, it’s a great stride to ending gender discrimination prevalent in the insurance market. It is a known fact that in the past women experience difficulty in accessing health insurance more than their male counterpart. They were made to pay more because of their gender thereby making it impossible for a lot to be covered. If they are pregnant or require an operation during delivery or suffer domestic abuse, they are often denied coverage. Now, American women can heave a sigh of relief because of the benefits coming their way through the health act. The current law was enacted to be effective in phases. Some have taken off while some will be fully effective in 2014.
Source: blogspot.com

What Do You do When Health Insurance Benefits Are Denied? 09/19 by Parkinsons Recovery

For more than 20 years, lawyer Glenn Kantor has been helping people with chronic illnesses get the insurance benefits they deserve from employer-provided disability and long-term care insurance.  Recently, his firm Kantor & Kantor LLP has received an unusual number of calls from people with Parkinson’s Disease who can no longer work but have still been denied disability benefits. Even when treating physicians have diagnosed that the patient is too disabled by the disease to meet the demands of his or her job, insurers are insisting that the patient can still be employed at some occupation.
Source: blogtalkradio.com

Health Plan Open Season Brings Rising Premiums And More Expensive Dependent Coverage

Nearly 60 percent of employers who responded to the Aon Hewitt survey said they offered their employees a consumer-driven health plan last year, referring to health plans that are linked to an account used to pay medical expenses, either a health savings account (HSA) or a health reimbursement arrangement (HRA). These plans often, but not always, have deductibles exceeding $1,000. Consumer-driven health plans are now the second most common type of plan offered by employers, after preferred provider organizations, according to the survey.
Source: gantdaily.com

Health Care Reform Benefits Small Businesses

Another benefit may come in the ability for more would-be entrepreneurs to actually start their own businesses. Many people who might want to branch out on their own stay tied to a job where they receive health benefits – especially if they have pre-existing health conditions. Through new state Health Insurance Exchanges entrepreneurs may be able to shop for health insurance and easily sign up for coverage.
Source: choiceadminexchanges.com

John Edwards Blog · Nevada Division of Insurance Seeking Public Input on Essential Health Benefits

Ten categories of items and services are required for the state’s essential benefits plan: ambulatory patient services; emergency services; hospitalization; maternity and newborn care; mental health and substance use disorder services, including behavioral health treatment; prescription drugs; rehabilitative and habilitative services and devices; laboratory services; preventive and wellness services and chronic disease management; and pediatric services, including oral and vision care.
Source: johnedwardsblog.com

What You Should Have Knowledge Of About Medicare Supplemental Insurance In Florida

Posted by:  :  Category: Medicare

Generally, the cost of Medicare insurance Component Be can increase 10% for every 12 months that one should have signed up for Component B, but didn and no. The 10% raise to your monthly fees are paid for whether you can be signed up for Medicare insurance Component B. How Can I Close Extra Expenses?In the function you want more help addressing your more well-being bills that the Florida Medicare shall not be covering, there is a couple of alternatives. Medicare well-being insurance Supplement: Reduced up front fees Pick out any kind of well-being practitioner or healthcare facility that takes Medicare well-being insurance Assured sustainable: In case you can be possessing to pay a monthly payment, your coverage shall wait activeMedicare Advantage Plans Decreased prices Some programs present extra benefits for example dental like and also vision Only a lone health-related query has to be addressed: Are you experiencing renal ailment?Medicare Prescription Medication PlansThere shall also be the choice for getting a Florida Medicare Prescription Drugs Plan. These plans are drafted to help you with distant costs toward your medications.
Source: zaf.me

Video: Medicare Supplemental Insurance in Naples Florida Part 3

United American Medicare Supplement Insurance Quotes

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

Florida Has Most Medicare Supplement Insurance Policies

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Source: isa9daycleanse.com

Medigap North Palm Beach Fl

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

Florida medicare supplemental insurance

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Source: fluxfeatures.com

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

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

Summit MediGap: Annual enrollment period starting soon for Medicare

Annual enrollment period starts October 15th for Medicare Advantage policy holders.  What a lot of people don’t realize is people who have a Medicare supplemental insurance plan do not need to wait for a special enrollment period each year.  They are free to look at new plans and enroll during anytime of the year.  This is one of many reasons Medicare supplemental insurance or Medigap plans are so convenient.  Not only do they offer great benefits that will help cover what Medicare Part A & Medicare Part B doesn’t, but it offers seniors the flexibility and control they enjoy. It is a good idea for Medicare supplemental customers to have their policy reviewed once a year by a medicare supplement expert.  In ten minutes on the phone a licensed medicare specialist at Summit Medigap can determine if you have the right benefits at the right premium.  Plans and prices change all the time.  We have saved clients $100’s of dollars a year by completing the review with them and providing a less expensive alternative.  Often times people can keep the same letter plan they have but by switching to another top rated “A” carrier they can save money. We have a state of the art software system that allows our clients to start reviewing quotes instantly on our website.  We can then discuss those plans with you to see which one would be the best fit for your situation.  Click on this link to get instant Medicare supplemental quotes. Bill Loughead SummitMedigap.com 1-888-407-8664
Source: blogspot.com