Medicare Advantage enrollment projected to grow 11 percent in 2013

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 marsmet481Health and Human Services Secretary Kathleen Sebelius said the latest data shows that the reform law’s curbs on premium rate increases and other regulations on private insurers has made Medicare Advantage more accessible to the nearly 50 million senior citizens and disabled Americans who are Medicare beneficiaries.
Source: medcitynews.com

Video: Medicare Enrollment | Medicare Sign Up | Apply for Medicare

Missing Medicare Plan Deadlines Will Cost You: When to Enroll

Medicare Part A If you already receive benefits from the Social Security Administration or the Railroad Retirement Board, you are automatically entitled to Medicare Part A and Medicare Part B; no action is required on your part to enroll. If you do not meet the criteria listed above, then you must enroll in Medicare during the period beginning three months before you turn 65 and ending three months after your birthday.
Source: gohealthinsurance.com

Administration Touts Thriving Medicare Advantage Under Health Law

The Hill: HHS: Health Law Strengthened Medicare Advantage Enrollment is up and premiums are down in Medicare Advantage (MA) as a result of the healthcare law, the federal health department reported Wednesday. Health and Human Services (HHS) Secretary Kathleen Sebelius issued projections that MA enrollment will increase by 11 percent over the next year while premiums hold steady. Sebelius attributed a 28 percent rise in MA enrollment and 10 percent drop in MA premiums since 2010 to the Affordable Care Act, which remains politically divisive (Viebeck, 9/19).
Source: kaiserhealthnews.org

AHIP Statement on Medicare Advantage

Protections Against Unpredictable Out-of-Pocket Costs:  Medicare Advantage plans also protect beneficiaries from catastrophic health care costs.  In 2012, all Medicare Advantage plans offer an out-of-pocket maximum limit for beneficiary costs, and about 78 percent of Medicare Advantage enrollees are in plans that have annual out-of-pocket maximums of $5,000 or less.  These out-of-pocket maximums – which are not offered by the Medicare FFS program – help protect Medicare beneficiaries from catastrophic health care expenses that otherwise might pose a serious threat to their financial security.  Medicare Advantage plans also help reduce out-of-pocket costs for enrollees by reducing premiums for Part B and Part D, and by limiting cost-sharing for Medicare-covered services, including primary care physician visits and inpatient hospital stays.
Source: ahipcoverage.com

Low cognitive ability impairs enrollment in Medicare supplemental plans

Because traditional Medicare leaves substantial gaps in coverage, many people obtain supplemental coverage to limit their exposure to out-of-pocket costs. However, some Medicare beneficiaries may not be well equipped to navigate the complex supplemental coverage landscape successfully because of their lower cognitive ability or numeracy—that is, the ability to work with numbers. We found that people in the lower third of the cognitive ability and numeracy distributions were at least eleven percentage points less likely than those in the upper third to enroll in a supplemental Medicare insurance plan. This result means that many Medicare beneficiaries do not have the financial protections and other benefits that would be available to them if they were enrolled in a supplemental insurance plan. Our findings suggest that policy makers may want to consider alternatives tailored to these high-need groups, such as enhanced education and enrollment programs, simpler sets of plan choices, or even some type of automatic enrollment with an option to decline coverage.
Source: pnhp.org

Sebelius Misleads the Public on Medicare Advantage

Comments are subject to approval and moderation. We remind everyone that The Heritage Foundation promotes a civil society where ideas and debate flourish. Please be respectful of each other and the subjects of any criticism. While we may not always agree on policy, we should all agree that being appropriately informed is everyone’s intention visiting this site. Profanity, lewdness, personal attacks, and other forms of incivility will not be tolerated. Please keep your thoughts brief and avoid ALL CAPS. While we respect your first amendment rights, we are obligated to our readers to maintain these standards. Thanks for joining the conversation.
Source: heritage.org

Procedure To Enroll In Medicare Supplement

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Source: discoveryourtime.com

Time to examine Medicare Plans

Medicare Advantage may also see changes. Medicare Advantage offers a different type of coverage than original Medicare. According to Medicare’s website, “A Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans. If you’re enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and aren’t paid for under Original Medicare. Most Medicare Advantage Plans offer prescription drug coverage.”
Source: medhelperapp.com

The Ins and Outs of Medicare

Next is the step involving supplemental plans.  In order to purchase a Medigap policy you must be enrolled in Medicare coverage.  Enrolling in Medigap begins on the first day of the first full month that you are sixty five or have enrolled in Part B Medicare and ends after six months.  This is the period in which an insurance company must waive all exclusions such as pre-existing conditions and accept all participants.  The must also allow your coverage to begin immediately.  After the six months insurers have the right to deny selling you a particular Medigap Supplemental Plan.
Source: livingstonreporting.com

Exclusive Medicare Supplement Leads Need Personal Touch, Says Benepath CEO

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SS“In a world that is virtually upside down these days, personal service in sales is remembered. Unfortunately, many sales people make the mistake of thinking what is important is the final sale,” said Clelland Green, RHU, CEO, and president of Benepath.net. “While the final sale is important, it is not the ‘be all, end all.’ Personal touches are often what separate you from the ranks of other agents who are bent on sales numbers only.” Take selling insurance, for example. Instead of being viewed just as a way to make money, selling insurance is an opportunity to help people make the right decisions for their health and welfare. It could be a real win-win for you and your customers. And if your business includes buying exclusive Medicare supplement leads, Green has some words of advice. “Before making the leap into buying exclusive Medicare supplement leads to build an insurance business, it is wise to check out whether or not those leads may be customized to suit your geographic business needs. No sense in buying leads two states away that you can’t really service properly,” said Green. “Also find out if they are pre-qualified and genuinely exclusive to you only.” They should be or the agent will be competing with up to seven others for a sale, which is a waste of time and money. And don’t forget the most important thing: the personal touch. “A personal note of thanks, encouragement or an offer to help by providing more information will be remembered. Ensure your notes are personal and not canned. Take the time to either email a note of your own creation, or send something by snail mail. While it may be a shame that the personal touch seems to have gone the way of the dinosaur, there is nothing saying you can’t bring courtesy, kindness, thoughtfulness and genuine caring to the way you do business. The results may surprise you,” said Green.
Source: sbwire.com

Video: Buy Best Medicare Supplement Leads – Don’t Get BURNED!

Ideas for Finding Medicare Supplement Leads

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Source: fluxfeatures.com

Medicare Supplement Leads Pay Off, Whether It’s Now or Later

Even though Medicare supplement leads are often viewed as a slam dunk, there may be individuals on your list who take weeks or months to purchase a plan. It’s important to keep working all your leads as each person has their own timeline for buying health insurance. This doesn’t mean being pushy and over the top, but it does mean regular contact just to let them know you haven’t forgotten about them and are there to answer any questions they may have.
Source: seonewswire.net

For Sale Medicare Supplement Live Transfer Leads for Open Enrollment

Welcome to the Lead Buyer Network. If this is your first visit, be sure to check out the FAQ by clicking the link above. You may have to register before you can post: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Join the Lead Buyer Network Today! You must be associated with the Lead Generation Industry to be accepted as a member. If you are not sure if you comply with that statement, I suggest not joining.
Source: leadbuyernetwork.com

Medicare Leads, Medicare Sales Leads, Medicare Supplement Leads

Those who are experiencing relationship and communication problems can meet with a Marriage Counselor for the purpose of improving their marriage or relationship. Marriage Counseling takes a holistic approach in making the primary focus of the therapy on the relationship, rather than solely on the individuals in the marriage. Many therapists offer adjunctive Marriage or Couples Counseling to supplement one’s individual or family therapy and many therapists specialize in Marriage Counseling or Family Therapy, and have a Marriage and Family Therapist (MFT) license. The same theorists who were at the forefront of family therapy such as Murray Bowen and Virginia Satir, of course, contributed to Marriage Counseling, as has Dr. John Gottman, a recent phenomenon in the field of marriage research. When undergoing Marriage Counseling it may seem that your "relationship" is the "client" as you, your partner, and your therapist work together to determine what your goals are within your relationship. A Marriage Counselor will also be on the lookout for other feelings or experiences that are being "brought into" the relationship. You, your partner, and your therapist will look at patterns that show up between you, as well as other internal and external experiences that impact the relationship. With that in mind, those patterns are likely to show up in your sessions, just as they do outside of it. When they do, your Marriage Counselor may also encourage you to explore them as they occur, "in the now," in order to support you in adopting more helpful patterns, roles, and ways of communicating. There are a multitude of different approaches to Marriage Counseling, Imago Therapy, for example, explores how we, unconsciously, choose a partner who reflects back the very things that we must "work on." The inevitable conflicts that arise in relationships are actually ways to explore what you, yourself, can start healing. Your partner becomes a "mirror" of sorts, reflecting back what is in your subconscious world. In Emotionally Focused Therapy, partners are encouraged to examine how communication styles, or "attachment" experiences present themselves in their current communication and interactions.
Source: vietnamtravelforum.com

Medicare Leads, Medicare Supplement Leads, Medicare Sales Leads

PRLog (Press Release) – Jan 26, 2011 – Medicare Leads are something that virtually every insurance agent eventually looks for. The reason could be as simple as the fact that they are sick and tired of spinning their wheels on cold calling. For the most part it is often better and much easier to have leads that are already screened and verified for you. More often than not if you are cold calling – which had been and at times still is the accepted practice – you do not know if the prospects are actually ready to buy. This is why so many people decide that they are going to get their Medicare Leads from Senior Marketing. instead of anywhere else. For the most part the leads lists that insurance agents get from Senior Marketing are better than anything else. The fact that Company goes the distance to make sure that the leads that they provide to agents are as current as possible. They also go the distance to make sure that those prospects are as well qualified and able to buy as possible. There is nothing more frustrating than calling on a prospect and finding out that they are not in the position to buy and/or simply do not want to be bothered. Think about this for a little while if you would; which is better for you, preset appointments that you know are ready to hear what you have to say or cold calling? Most insurance agents would prefer to have preset appointments to call on for so many reasons. The first and foremost being that they are not wasting their time or the prospect’s when they call. Another reason is that they know that those whose names appear on those lists are already aware of the products that they want to talk about. When it comes to Medicare Leads lists it is always more helpful when you know that those you want to call on are actually in the mood and position to buy. What is the point of calling on someone when you do not know what their personal and financial situation happens to be? That frustration is not something that you really need to have to deal with. This is precisely the reason that so many people choose Senior Marketing’s services. Let’s take a look at the many other thoughts that may be occurring to you when you are considering using Senior Marketing for your leads in this area. One of the major thoughts has already been discussed; eliminating the frustrations. Having the assurance that the leads that you are given are yours and yours alone is also a good thing that many insurance agents value. Having to share leads lists is not exactly something that many insurance agents are too thrilled about, for obvious reasons to be sure! When you are looking at the prospect of having to do cold calling it can be rather daunting no matter how you look at it. It is these Medicare Leads that make the difference. Call toll free to order quality Medicare Leads: 1-888-997-7778 Ext.1. http://www.medicaresupplementleads.com/
Source: prlog.org

Live Contact Leads gets your phones ringing off the hook!: Be ready for Medicare open enrollment with Live Contact Leads, Your Leader in Medicare Supplement Insurance Leads

www.livecontactleads.com                                                                              info@livecontactleads.com Live Contact Leads is the number one Medicare Supplement live transfer lead source.  I am always amazed by the results day in and day out.  I know you will be happy with our leads and service.  See the results below.  This was down in less than 2 hours.  There are 7 transfers with 5 going over 5 minutes in length.  Cost my Representative only $42. That is a little above $8 per over 5 minute call.  You can’t get that anywhere.
Source: blogspot.com

Medicare Supplement Insurance

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

Health Policies Bubble Up In House And Senate Races

Posted by:  :  Category: Medicare

HERES YOUR TOP TEN by SS&SSThe Associated Press: Coattails A Factor In Some Senate And House Races [Romney’s comment] that 47 percent of Americans think they are “victims” entitled to government help and that he doesn’t worry about “those people,” sent Republican Senate candidates scrambling. … There are, after all, a lot of Republicans in that 47 percent — seniors, for example, who depend on government programs like Medicare and Social Security after paying into them for decades. … Democrats, meanwhile, are left to defend Obama on broader issues … his health care overhaul that struck even some in his own party as a too-big government power grab (Jackson, 9/27).
Source: kaiserhealthnews.org

Video: Medicare Nevada- 1.800.643.7544

Medicare fines over hospitals’ readmitted patients

Excessive rates of readmission are only part of the problem of high costs and uneven quality in the U.S. health care system. While some estimates put readmission rates as high as 20 percent, a congressional agency says the level of preventable readmissions is much lower. About 12 percent of Medicare beneficiaries who are hospitalized are later readmitted for a potentially preventable problem, said the Medicare Payment Advisory Commission, known as MedPAC.
Source: 8newsnow.com

Nevada Daily Mail: Local News: Medicare by Design Workshop scheduled (09/15/12)

The workshop will cover Medicare and its Parts, A, B, C and D and how to choose between a Medicare Advantage plan, Medigap policy and/or Prescription Drug Plan (Part D). Participants will also hear about additional programs available to help pay for Medicare Part B and D. Missouri’s Senior Medicare Patrol (SMP) will conduct sessions on Medicare fraud and abuse.
Source: nevadadailymail.com

Obama Maintains Lead in Nevada, New Hampshire and North Carolina

While there is no silver lining in this set of polling data for Romney, there is one piece of good new for Republicans. In the Nevada Senate race, the poll found Republican Dean Heller is at 49 percent while Democrat Shelley Berkley is at 43 percent. It is one of the few competitive Senate races that seems to be going relatively well for the Republican Party right now.
Source: firedoglake.com

Nevada’s Medicaid Program is Complex

People who are currently receiving Supplemental Security Income, (or SSI), may also be eligible for Medicaid. The same is true for some Medicare beneficiaries and some recipients of adoption assistance. Medicaid may also be available to kids who are in foster care or who are aging out of foster care. The Nevada Medicaid program also can cover pregnant women, and their newborn infants. There doesn’t appear to be a way to find out more than these very general pieces of information about eligibility requirements from browsing through Nevada’s websites.
Source: families.com

NV: AARP poll shows Medicare, Social Security top concerns

Working baby boomer voters in Nevada are pessimistic about retirement, the poll results show. Of this group, 67 percent believe they will have to delay retirement and 32 percent are not confident they will ever be able to retire. Sixty-eight percent of working boomers believe the recent economic downturn will force them to rely more on Social Security and Medicare.
Source: watchdog.org

Nevada Nursing Homes Face $20 Million Reduction on Medicare

The Avalere analysis, the first retrospective national and state-by-state look at recent reductions in Medicare payments to facilities, projects the 2013-14 budgetary impact on Nevada based on the following major government actions since 2009: Affordable Care Act (ACA) productivity adjustment ($7 million cut in 2013); Case-Mix Adjustment in FY 2010 CMS Rule ($7.3 million regulatory reduction in 2013); Forecast Error Adjustment in FY 2011 CMS Rule ($1.3 million regulatory reduction in 2013); Sequestration provision of Budget Control Act ($4.3 million cut on January 1, 2013 ); Bad Debt provision in March 2012 Middle Class Tax Relief and Job Creation Act ($2.1 million cut 2012-14 beginning October 1, 2012 ).
Source: toonaripost.com

HENDERSON, Nev.: Tight Nevada Senate race despite ethics issues

Berkley has attacked Heller for backing Republican vice presidential nominee Paul Ryan’s Medicare proposals. Heller has blasted the Democratic congresswoman on ethics and as a rubber-stamp for House Minority Leader Nancy Pelosi. Each side has responded to their perceived weakness by trying to turn the tables on their opponent. Heller and his backers have aired ads accusing Berkley of voting to cut $1 trillion from Medicare. Berkley has fired back with ads trying to tie Heller to a pair of Nevada political scandals to which he has the most tenuous links.
Source: heraldonline.com

Medicare Advantage: Sierra Nevada Spectrum is Leaving Clark County in 2013

Starting on October 15, 2012, you will be able to select another Medicare Advantage plan for 2013.  All of the plan information for next year will be available on October 1st.  At that time, you will be able to consider the remaining PPOs and HMOs in Las Vegas, NV.  Expect to see changes with Medicare Advantage plans as the insurance companies brace for increasing costs and lower reimbursement rates from Medicare.  Anticipate that PPOs will have monthly premiums as insurance carriers move toward HMO models in an effort to control costs.
Source: suncityfinancial.com

Hometown Health Offers Drive

About Hometown Health Established in 1988, Hometown Health is the insurance division of Renown Health. Hometown Health is northern Nevada’s largest and most experienced health-insurance company. Providing wide-ranging medical coverage and great service to members, Hometown Health represents a philosophy of healthcare that emphasizes active partnerships between members and physicians. Hometown Health values prevention as a key component of comprehensive care – reducing the risks of illness and helping to treat small problems before they can become more severe. Hometown Health offers a number of insurance products including HMO, PPO, HAS, Dental, Vision and Senior Care Plus, northern Nevada’s first Medicare Advantage Plan. For more information, call 775-982-3000 or visit hometownhealth.com
Source: nvseniorguide.com

Senior Benefit Services, Inc.

Posted by:  :  Category: Medicare

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

Video: Medicare Set Asides in Georgia Workers Compensation cases

Congress Officially Introduces H.R. 6490 As a Solution to the Current Problems with the Medicare Competitive Bidding Program

Right now, the most important thing that you can do is contact your member of Congress (go to www.house.gov to find their contact information) and ask them if they are aware of H.R. 6490, the Market Pricing Program legislation. Request that they cosponsor this legislation. It is critical that this legislation receive broad bipartisan support.   The Market Pricing Program will maintain Seniors’ access to quality, keep costs under control, and avoid massive job losses associated with the fatally flawed competitive bidding program currently utilized by Medicare.
Source: medicaretrainwreck.com

Voucherizing Medicare Turns Out Not to be a Brilliant Political Proposal

Really, it’s pretty amazing. Just two years ago, Republicans walloped Democrats in the midterm election, at least partly due to a tsunami of ads accusing them of taking money away from Medicare. And Republicans have been on the receiving end of Medicare attack ads too. So they know perfectly well just how sensitive this issue is and how much damage it can do. And yet, somehow they convinced themselves that Paul Ryan had some kind of magic fairy dust that would make the American public sit up and suddenly say to themselves, "He’s right! We do need to turn Medicare into a voucher!"
Source: motherjones.com

Do You Believe Paul Ryan is Qualified to Be President?

Rebecca. Note, this is an "Opinion" piece. Much like you and I have an opinion, you should not instantly install it as "fact" in your internal software. Read the speech. Read the part about GM that the Media is jumping on. He in no way blames Obama for closing the plant. He points out that Obama did not make good on his promises to keep the plant open. The fact is that the plant had not closed by the time O took office. Ryan was not saying that it closed because of O, he is saying that O’s promises have been a bunch of hot air. The world loves snippits and sound bytes. The problem with that is CONTEXT. Read the speech, then research each issue you have a problem with. He didn’t lie about Medicare either. His plan that has been public for some time does indeed use some savings to extend medicare for more years, until we can fix it, however Obama’s cuts to Medicare go to fund Obamacare. It is like counting money twice. O says it is "savings", but then uses the money to fund another entitlement program! At least Ryan uses his savings to reduce the deficit. I know..reducing the deficit..horrible..shocking…gasp! We have hard choices to make. We can either continue to let our country fund entitlement and broken social programs, or we can begin to shrink the size of government. The writing is clearly on the wall. None of us should say, "I’m shocked the United States is going through this", we have countless examples of unbridled spending bankrupting countries
Source: patch.com

Medicare and ambulance services

It is important to remember that the decision letter you receive at each level of appeal will explain additional appeal rights you may have. You should read these decision letters carefully.   If you have questions about a Railroad Medicare claim, you can call a toll-free customer service line at (800) 833-4455, Monday through Friday, from 8:30 a.m. until 7:00 p.m. Eastern time. For the hearing impaired, call TTY/TDD at (877) 566-3572. This line is for the hearing impaired with the appropriate dial-up service and is available during the same hours customer service representatives are available.
Source: utu.org

Ultra Care of Georgia, Inc In

Ultra Care of Georgia, Inc is an in-home care provider. In Home care could be either medical (“skilled”) or non-medical (“custodial”) support services delivered at the home of the senior. “skilled” service providers who usually provide various medical care needs and “custodial” care providers who provide services for daily living such as bathing, dressing, and meal preparation but may also extend to assistance with transportation, paying bills, making appointments, and simply being there to provide companionship and emotional support. Home Care services are generally available 24 hours a day, seven days a week and are sometimes paid for directly by the client or through a variety of public and private funding sources such as Medicare and/or Medicaid. Make sure you know your loved one’s Medicare and Medicaid eligibility, and understand how you can use tools like long term care insurance to pay for in home care.
Source: ourparents.com

In brief: Scooter Store layoffs, Price reception

WASHINGTON – Doctors and other medical professionals have added $11 billion or more to fees for Medicare beneficiaries over the last decade through “upcoding,” according to a new report from the Center for Public Integrity. Upcoding is the practice of charging for more costly services than are actually delivered. The report found that, between 2001 and 2010, doctors billed Medicare for longer, more complex office visits despite little hard evidence that patients required more complicated and time-consuming care. The investigation also found that more than 7,500 physicians billed the two top paying codes for three out of four office visits in 2008, and that “the most lucrative codes are billed two to three times more often in some cities than in others.” FMI: http://www.publicintegrity.org/2012/09/15/10810/how-doctors-and-hospital…
Source: hmenews.com

Tommy Thompson tells people he’ll end Medicare, Medicaid

Posted by:  :  Category: Medicare

Sign: Hands Off Social Security Medicare Medicaid www.saynocuts.org by Fifth World ArtDeclaring that he wants to “change Medicare and Medicaid like I did welfare,” Thompson asked a May gathering of the Lake Country Area Defenders of Liberty in Oconomowoc: “Who better to and who better than me, who’s already finished one of the entitlement programs, to come up with programs to do away with Medicaid and Medicare?”
Source: freakoutnation.com

Video: Tommy Thompson: ‘Who Better Than Me… To Do Away With Medicaid and Medicare?’

Daily Kos: Tommy Thompson Medicare/Medicaid Video: Better Quality

Consider if one or more of these tags fits your diary: Civil Rights, community, Congress, Culture, Economy, Education, Elections, Energy, Environment, Health Care, International, Labor, Law, media, Meta, National Security, Science, Transportation, or White House. If your diary is specific to a state, consider adding the state (California, Texas, etc). Keep in mind, though, that there are many wonderful and important diaries that don’t fit in any of these tags. Don’t worry if yours doesn’t.
Source: dailykos.com

10 Recent Medicare, Medicaid Issues

1. Non-profit hospitals face a tough Medicare reimbursement road ahead following the release of the Office of Management and Budget’s report on sequestration cuts, according to a report from Fitch Ratings. 2. A report from the Bipartisan Policy Center listed the 13 primary drivers that are behind increased U.S. healthcare spending. 3. U.S. Sen. John Kerry sponsored the Medicaid Information Technology to Enhance Community Health Act, or the MITECH Act, to expand meaningful use incentives for safety-net clinics and providers that serve predominantly lower-income Americans but do not qualify for the Medicaid EHR Incentive Program. 4. CMS said it intends to deny reimbursement for multi-analyte algorithm-based assays. 5. HHS Secretary Kathleen Sebelius announced enrollment in Medicare Advantage, the privatized version of traditional fee-for-service Medicare, is expected to increase 11 percent in the next fiscal year. 6. Indiana, New Mexico and Wisconsin were among some states that asked HHS to partially expand Medicaid under the Patient Protection and Affordable Care Act. 7. An investigation by the Center for Public Integrity found Medicare medical billing abuse and upcoding is on the rise as medical professionals have billed an additional $11 billion over the past decade. 8. CMS started accepting applications for the State Innovation Models initiative, which is a $275 million competitive funding opportunity for states to design and test multi-payor payment and delivery models. 9. Last week, the Massachusetts Supreme Judicial Court dismissed lawsuits filed by seven safety-net hospitals that claimed they were not reasonably reimbursed for Medicaid costs under the state’s 2006 healthcare law. 10. The White House’s Office of Management and Budget released a report saying that hospitals and other providers will see Medicare payment reductions totaling $11.1 billion this upcoming year, due to the Budget Control Act of 2011, unless Congress passes new measures to prevent the cuts.
Source: beckershospitalreview.com

Obama v. Romney Election 2012 Fact Check: Medicare and Medicaid

President Obama does not propose fundamental change to Medicare. He’s been attacked for cutting $716 billion from the program, though none of those savings come from reduced benefits for seniors. Instead, that number reflects changes to Medicare Advantage, reduced payments to hospitals, and fees on drug companies. Medicare Advantage is the part of Medicare that lets seniors enroll in private health insurance, and President Obama has proposed limits on those insurance companies’ profits and administrative costs. Such changes could result in fewer private health insurance companies participating in Medicare Advantage.
Source: nationalpriorities.org

SEIU Focuses on Medicare and Medicaid in New Battleground Campaign Ads

Washington – With recent polling showing voters trusting President Obama and congressional Democrats to protect and strengthen Medicare and Medicaid, the Service Employees International Union (SEIU) today launched a $600,000 ad campaign in critical battleground state races to support candidates who will stand with working people and oppose cuts to these critical programs. “We need leaders who will make investments in vital services like Medicare and Medicaid, not pushing plans that balance the budget on the backs of seniors and the middle class,” said SEIU Political Director Brandon Davis. “At a time when America’s workers are moving forward and trying to build their retirement savings lost during a recession caused by Wall Street’s excesses, Mitt Romney, Paul Ryan and Congressional Republicans support legislation that would leave Americans facing increased costs, decreased coverage, or loss of coverage altogether.” In a new radio ad in Florida, a senior citizen asks her adult son to help explain where Mitt Romney and Paul Ryan’s really stand on Medicare and what their plans mean for the future. The ad, which details some of the devastating impacts of the extreme Romney-Ryan plan, directs listeners to learn the truth for themselves at http://www.medicareromneyryan.com/ and is the second radio ad of an extended radio campaign targeting Florida seniors that began with the Republican National Convention in Tampa. Both ads can be heard at http://www.medicareromneyryan.com/. In Michigan’s First Congressional District, SEIU’s new TV ad in the Traverse City-Cadillac and Marquette media markets highlight Republican Congressman Dan Benishek’s vote to end Medicare as we know it by supporting the extremist budget proposed by Congressman Paul Ryan. The bill would have cost seniors $6,400 more per year while protecting tax breaks for millionaires. The ad can be viewed here: http://youtu.be/BPgqOzn1rbo. SEIU’s TV ad in the Norfolk-Portsmouth-Newport News media market discusses Second District Republican Congressman Scott Rigell’s votes for Congressman Paul Ryan’s extremist budget and vote to raise the retirement age for Social Security to 70. Rigell also opposes helping seniors close the “donut hole” in their prescription drug coverage under Medicare while cutting Medicaid funding in half, endangering long-term care coverage for seniors and those with disabilities. The ad can be viewed here: http://youtu.be/CTQoibncJTM. Scripts – Radio Spot (Florida) http://www.medicareromneyryan.com/ Man: Hello? Mom: Jeffrey, it’s your mother. Man: Hey mom, how are you? Mom: I’m good. Man: What ya doing? Mom: Well I’ve been watching TV all day but it’s been making my head spin. Man: What’ya mean? Mom: All these ads about Medicare, it’s very confusing. Man: I’ve read about it, what do you want to know? Mom: What’s the truth about Romney and Ryan? Man: Well the Romney Ryan plan does essentially end Medicare, that’s what the Wall Street Journal said. Mom: I don’t like the sound of that. Man: What I read said seniors would wind up paying over $6000 dollars more per year. Mom: That’s a fortune to me. Man: And Romney would make drastic cuts to Medicaid too, you know two-thirds of seniors rely on Medicaid for nursing home care?
Source: seiu.org

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

Daily Kos: The Plan to Do Away w/ Medicaid and Medicare: Tommy Thompson (WI

Upper West, Danno11, bosdcla14, superfly, Sherri in TX, donna in evanston, Wintermute, SanJoseLady, bramish, hyperstation, WI Deadhead, frisco, hubcap, missLotus, cyberKosFan, twcollier, highacidity, KMc, themank, retLT, itskevin, Cedwyn, jted, antirove, Getreal1246, psnyder, kdrivel, cosette, Bluehawk, lcrp, 313to212, Noisy Democrat, Sembtex, Curt Matlock, Steven D, Emmy, vacantlook, Sassy, Gowrie Gal, Julie Gulden, rapala, Dirk McQuigley, marina, 3goldens, NoMoreLies, LarisaW, OpherGopher, JohnB47, kitchen sink think tank, basquebob, Brooke In Seattle, EJP in Maine, Viceroy, Kayakbiker, Ice Blue, Sandino, bunsk, JanF, Alan Arizona, Paddy999, Jim R, begone, SSMir, tarheelblue, cybersaur, Themistoclea, Naranjadia, tonyahky, mr crabby, ruleoflaw, mskitty, Lefty Coaster, blueoasis, SherriG, philipmerrill, real world chick, BB10, Statusquomustgo, Quicklund, Aaa T Tudeattack, One Pissed Off Liberal, marykk, Ken in MN, Cronesense, Habitat Vic, SharonColeman, NovatoBon, Stwriley, yoduuuh do or do not, FishOutofWater, terabytes, deepeco, rantsposition, mbh1023, jedennis, tcdup, jnhobbs, gchaucer2, carpunder, pioneer111, christianlsv, uciguy30, GeorgeXVIII, TomP, Empower Ink, wayoutinthestix, OleHippieChick, elwior, tofumagoo, royce, pamelabrown, RandomNonviolence, catly, mofembot, codairem, petulans, JamieG from Md, palantir, shortgirl, statsone, maggiejean, prettygirlxoxoxo, J M F, ARS, litoralis, Scott Wooledge, dharmasyd, zephyr108, Carol in San Antonio, CanyonWren, be the change you seek, mkor7, CamillesDad1, petral, KenInCO, realwischeese, Larsstephens, confitesprit, marabout40, eXtina, taiping1, Crabby Abbey, Giles Goat Boy, Polly Syllabic, plankbob, loveistheanswer, Puddytat, dlemex, sharonsz, petesmom, wwjjd, Wisdumb, Onomastic, Maximilien Robespierre, kerflooey, ladywithafan, ozsea1, spooks51, slowbutsure, iowacaucus, lexalou, OhioNatureMom, imokyrok, Cinnamon Rollover, badscience, thomask, Grandma Susie, poliwrangler, VTCC73, Marihilda, Deathtongue, Vatexia, brinmat, Badjuh, Oilwellian, SoCalSal, Mentatmark, Only Needs a Beat, jacey, KiB, anodnhajo, a2nite, AreDeutz, congenitalefty, cuphalffull, marty marty, dotdash2u, peptabysmal, Robynhood too, A FIB in Cheddarland, GeoffT, isewquilts2, kideni, glorificus, poopdogcomedy, Jollie Ollie Orange, northerntier, Icicle68, ET3117, k9kiki, Mike Kahlow
Source: dailykos.com

Daily Kos: House Democrats spell out Medicare, Medicaid impact of Romney/Ryan plan

I have a relative who is 91 and has been in a nursing home for 3 years.  She is totally out of it – dementia – and  we’re just waiting for the end.  Her husband (no children) has a small home and some savings; she used up all of her Medicare benefits more than 2 years ago and now the $5,700 nursing home fee is paid from their savings each month, and is not going to last forever. Her doctor visits are still covered and a physician sees her three times a week.  This means a doctor – whose last name is 23 letters long and for the life of me I am unable to understand a word he says – first talks with the head nurse and checks the charts of each of the 20 (mostly dementia) patients in the wing of  his visitation route and then proceeds down the hall. While I was visiting her one morning, he came to the doorway – not to her bed – said hello to me and asked (I think) how she was doing.  I said simply “no change” he said goodbye and left.  And he bills Medicare $270 a week, for her, for these three visits. – Multiply that by by the 20 patients in the wing and you get his weekly payout at $5,400, monthly, $21,600.  There are 5 other wings in this facility and those fees bring doctor costs up to $500,000 a month.  This is just one nursing home in one county, in one state, so you can just imagine the numbers extended out  – some nursing homes less, some more, but THIS is a big part if what is wrong with the system as it is being utilized now. I don’t have the an solution, but it would be impossible and morally wrong to take away late-life health care for the elderly, or healthcare for anyone , for that matter.  Other countries, the UK, Skandinavia, for example have more efficient systems and they seem to be working much better than ours.  I think we just need to re-vamp the system to eliminate the “money-suckers” who get rich off of it.
Source: dailykos.com

Today’s Influence Ads: AARP Medicare Supplement, Shale Gas Production

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSA slew of new ads are out today as Congress embarks upon its last week before the elections. AARP and UnitedHealthCare have a new ad today promoting AARP Medicare Supplement Insurance Plans as the only standardized Medicare supplement plan that AARP  endorses. American Clean Skies Foundation has a new ad pushing for the production of shale gas in the United States. The government of Panama’s new ad promotes the country as a good place for American businesses to invest. And Across the Aisle Foundation has a new ad inviting senior House and Senate staffers from both parties to an October event to discuss how the new Congress should tackle its first 100 days. Others with new ads, per Kantar Media’s Washington Eye, include: American Petroleum Institute, American Sugar Alliance, American Veterinary Medical Association, Consumer Electronics Association, Employee Freedom Act Committee, Fair Search, Lockheed Martin, McDonald’s, Neustar and Radiation Therapy Alliance. Those with continuing ad include: Altria, American Cancer Society, American Council of Life Insurers, American Hospital Association, AT&T, Beirut Families, Boeing Company, BP, Chevron, CIT Group, CME Group, Hologic, Honda, Huntington Ingalls Industries, Lockheed Martin, Mars Chocolate, Northern Dynasty Minerals, Nuclear Energy Institute, Pfizer, Pharmaceutical Research Manufacturers of America, Southern Company, United Soybean Board, Univision, WellPoint, WTOP and Zurich.
Source: nationaljournal.com

Video: Compare Medicare Supplement Plans | Supplemental Medicare Insurance

Medicare Supplement Insurance Texas Agencies Offer Is Helpful To Certain Clients

The federal government allows private agencies to sell supplemental policies to customers. These policies help individuals to pay for the things that their original insurance does not cover. Companies that sell such policies must comply with very strict federal and state laws and regulations. They are standardized according to guidelines created by the United States government and all such policies must provide the same coverage, regardless of the agency from which the coverage is obtained. However, each agency is allowed to charge different rates for the coverage.
Source: myglobalseattle.org

Summit MediGap: Do I need Medicare supplemental insurance?

When you turn age 65 you are eligible for Medicare Part A & Medicare Part B.  This also means you are eligible for Medicare supplemental insurance or Medigap insurance.  Medicare Part A will cover you for hospital related care, however you would still be responsible for such things as the Part A deductible.  Medicare Part B will cover you for doctor visits and tests.  However, Medicare Part A & B will only cover about 80% of your total medical costs.  Medicare supplement plans are designed to cover what Part A & B do not cover.  Medicare when combined with the right supplemental plan is actually great coverage and often times you will have better coverage than what you had with your employer or family plan.  In fact with the right medigap plan you can actually be covered for all deductibles, coinsurance and co pays.  Seniors find it easier to budget for a monthly medicare supplemental plan premium knowing that they will not need to worry about unexpected medical expenses throughout the year. There are currently 11 different Medicare supplement plans or medigap plans.  Seniors often find it very confusing trying to figure out which plan is best for them.  This is why it is so important to find a great independent agent that specializes in Medicare supplemental insurance.  A good independent agent will be able to show you all the plans available from the major insurance carriers.  They will also spend the time to analyze what your current health benefit needs are and match those needs with the medicare supplement plan that best fits you. There really is no reason to worry about your Medicare options.  Find yourself a quality agent that specializes in medicare supplemental insurance, that person will save you lots of time and also money.  It is also important to review your benefits with an expert every year or two to make sure you are getting the best coverage for the money.  Plans and rates change often so having an Medicare supplement specialist to turn to will give you great piece of mind. Bill Loughead SummitMedigap.com 1-888-40-Summit (888-407-8664) “We make Medicare seem easy”
Source: blogspot.com

Things you should know about Medicare Supplement Insurance at Maximum Performance Begins With A Healthy Body

If you already have Medicare Part A or Part B, you can also buy medigap cover because it provides coverage for coinsurance, co-payments, and deductibles. In this arrangement, original medicare policy pays for the approved amount for health care cost. The medicare supplement policy will supplement your coverage by providing its share afterwards. However, there are few things that are not covered by Medigap policies. Dental and vision care, glasses, hearing aids, private nursing services, and long-term nursing facilities are not covered by Medigap.
Source: procureperformance.com

Medicare Supplement Leads are Premium Business Builders

One good way to jumpstart an insurance company’s bottom line is to specialize in selling Medicare supplements. This segment of the population is guaranteed buyers who have an urgent need to get their insurance needs met, more so since ObamaCare was upheld by the Supreme Court. The best way to jump on the Medicare bandwagon is to find a quality lead generation company and splurge on exclusive Medicare supplement leads.
Source: benepath.net

The Talk About Anything Blog

If it is time to for you to enroll for Medicare, or if your open enrollment period is coming up, then it is time to consider what coverage you need compared with what you currently have. All Medigap providers must, by law, offer the same basic coverages as all the other companies. The big difference will be the prices as well as the various plans they offer. The big thing to keep in mind when enrolling or changing your Medicare plan is that you are not eligible for supplemental insurance if you are also enrolled in a Medicare Advantage Plan.
Source: curlingserbia.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

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

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

How Do Medicare Supplement Plans Work?

The whole concept of Medicare Supplements can be new to most people entering the age of Medicare. The first question we usually get from clients is quite simple, How do Medicare Supplements Work?. As with most things that are complicated, these people instincts are correct in that it’s usually best to start with the basics. So let’s do that. Medicare Supplement 101. How do they work? First, before understanding these plans, we need to understand what they are supplementing, original Medicare. The current design of Medicare harkens back to it’s original design many decades ago and follows the eventual evolution and additions to that occurred ever since. Medicare breaks up into two main parts in which it divides facility or hospital based care (called Part A under Medicare’s love for letters in names) and physician or doctor services (called Part B). Part A came first with Part B to follow. Each has a deductible after which Medicare will pay 80% of the charges which means the Medicare enrollee will pay this 20% indefinitely which is one of the main issues with Medicare coverage since 20% of a big bill is a lot of money. There was no coverage for medication in original Medicare. So that’s Medicare in a nutshell. How do supplements work? The supplements fill in the main holes of Medicare coverage to provide nearly 100% coverage when using Medicare providers for covered benefits. This means there should be very little if any cost out of pocket for the mainstream medical care. You didn’t think it would be that easy though, did you? There are different plan options in the Medicare supplement world that function differently. The traditional plans run from A (again with the letters) through N these days although some older people may remember others like the J plans. Each plan has different benefit options that primary piece meal these categories: Part A Deductible, Part B Deductible, Excess (extra paid to doctors that don’t accept Medicare), and Skilled Nursing Facility co-insurance. They all cover the 20% co-insurance of Medicare although the N plan will require some cost-sharing. From years of experience we can recommend the F plan as the best blend of cost and benefit with all core benefit categories above covered. Excess is especially important going forward. So those are benefits…who offers the supplements? Private carriers actually offer and administer the Medicare supplement insurance plans along the standardized benefits outlined by Medicare. You pay your premium to the actual carrier in addition to any payment to Medicare (say for Part B premium). The carriers ultimately look to Medicare to determine eligibility of individual claims. This means that Medicare determines if a given medical service is covered or not. The supplements will not pay for benefits that Medicare doesn’t pay it’s share for. Essentially, they will not cover above and beyond benefits that Medicare covers. Again, there are very few blind spots now with Medicare since preventative benefits and Part D prescription coverage (must be purchased separated from Medicare or a Medicare supplement insurance) have been added to the market. Hopefully that gives the novice a good basis for how Medicare supplement insurance plans work but of course, there are always questions that arise since everyone’s situation is unique. Feel free to contact us a licensed Medicare supplement agents to go over your situation and address any questions that may arise. Dennis Jarvis is a licensed insurance agent concentrating on medicare supplement insurance.

Overcoming Bias : US Politics Of Medicine

Posted by:  :  Category: Medicare

Underlying support for not changing Medicare is the widespread belief that the system is functioning smoothly. In Florida, 70 percent of all voters say the system is working well — rising to 91 percent of the state’s seniors — and positive assessments of Medicare are nearly as high in the other states. … There is also a widely held public perception that changes are needed to keep Medicare sustainable for future generations. The problem for Republicans is that swelling budget deficits are not a sufficient motivator for voters. Across the three states, about three-quarters of voters say that Medicare cuts are not essential to deficit reduction. (more)
Source: overcomingbias.com

Video: United Healthcare Oxford Medicare Advantage Denies Coverage

The Brian Lehrer Show:

30 Issues: Getting Real On Medicare and Social Security

NABNYC is correct that the excess payroll taxes (and "interest") are no longer in the trust fund. It was borrowed over the years by the Treasury to pay for government expenses, and is owed back to the trust fund as part of our intragovernmental debt (which, along with debt held by the public, comprises our total debt). How does the government view the strength of its commitment? There are 4 levels of liabilities, ranging from Explicit Liabilities – the strongest commitment – to Implicit Promises – the weakest commitment. Future Social Security and Medicare benefits are Implicit Promises. They are not even considered as liabilities, for the program can be changed or even abolished, at any time by an act of Congress. Don Levit
Source: wnyc.org

WASHINGTON: Report: Premium hikes for top Medicare drug plans

President Barack Obama’s health care law does not appear to be the cause of the increases. Indeed, the law is improving the prescription benefit by gradually closing a coverage gap called the “doughnut hole,” which catches people with high drug costs. Instead, the price hikes appear to be driven by market dynamics, and some insurers are introducing new low-premium options to gain a competitive advantage on plans that are raising their prices.
Source: sunherald.com

2013 Medicare Advantage and Medicare Part D Data now Available on MedicareQuoteEngine.com

At Ritter Insurance Marketing, we realize that agents need access to the most up to date information as soon as possible to begin studying available plans for their Medicare beneficiary clients.  MedicareQuoteEngine.com is a tool designed exclusively by Ritter Insurance Marketing to assist agents in finding suitable Medicare Supplement, Medicare Advantage and Medicare Part D plans for their clients.
Source: ritterim.com

UPDATE: Romney Addresses Medicare At Sarasota Campaign Stop

Wow, now Romney is turning around and against his own words when he agreed with Ryan about taking down Medicare. Romney now wants to help the 47% of the people he said he didn’t care about. You can not believe his man at all. He will do anything and say anything to get your vote. Watch out he will change horses in the middle of the stream again once in office. IF, that would happen, and I think it will not. But, it scares me that a man like Romney will lie and say anything to the voter to get votes. I just do not trust this man at all. He has a Congress that is waiting on him to get into office so they can do away with Medicare, Social Security, food stamps, business having to provide a pension for its worker, etc. you name it. Anything that benefits the middle class and the poor will no longer be available. Only the Rich Business man will prosper. One percent of the Richest in this country already have more money than the bottom 90%. There is no middle class any more. A rich man only wants more, and that is what Romney is going to provide. Don’t let him fool you. He is all lies and will do anything to get elected.
Source: patch.com

Amalgamated Life vs. Oxford Life Insurance Company

 To protect assets from tax and probate issues, the Advance Wealth Transfer and Efficient Wealth Transfer Single Premium Policies assist in the transfer of assets to heirs after a policyholder’s death. Offering a guaranteed death benefit and a guaranteed cash value with annual increases, these policies may also include accelerated benefit options for chronic or terminal illness and nursing home care. Advance Wealth Transfer is available to purchasers between 50 and 85, while the Efficient Wealth Transfer option can be purchased by those between 60 and 80.
Source: insuranceproviders.com

2010 Roth Conversion Might Spell Higher Medicare Premiums

Posted by:  :  Category: Medicare

Healthcare in America: Who's Paying Who? And Who's Getting What? (g1a2d0014c1) by watchingfrogsboilThis 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

Video: Medicare & the Affordable Care Act in 2011

Social Security goes up, but so do Medicare premiums

To P. D’Antonio, NOT EVERY PENSION PLAN IS THE SAME. MINE WAS FREE WITH THE AIRLINE THROUGH THE UNION. I also suffer with many Esophagus problems and I truly believe all the chemicals I worked with and ulcer in Esophagus from stress from the “Good Old Boys in the Union”. My husband gets a great PENSION as he made very little which co-incided with the city plan as all figured out to a tee as he paid in big monies for his Pension pretty much $200.00 to $400.00 in later years as made more but when he worked overtime and slept all wknd there and removed snow they took $600.00 of his overtime including the reg. month payments for his Pension. You young people know nothing or some older. Every pension plan is different!!! My friend hates it too but her company gives BONUS checks each year which she got a lump sum of $15,000 and others at that same company up to $34,000 per year. I worked for not much for 46 yrs. my hubby got NO Bonuses for Viet Nam. He will not get any Social Security for 30 yrs with City as part of the Pension Plan as he did not pay in unless worked other jobs. He has worked other jobs now for 16 yrs plus his 30 for city. Plus his 4 yrs Marine service plus 6 yrs reserves. He is 65 and still working for Health Ins. Him and I never saw Bonuses!!!!! I don’t get low free flying as quit early because of ulcer and many other throat problems working with so very many chemicals. Get your facts straight about Pensions!!!! I never heard of a 401K plan til 1991 in my whole life and neither did my husband. If they were around earlier must have been for the rich or high up people at jobs! Republicans wanted all the Soc. Sec. to INVEST, remember then we had the stockmarket fall with the Godlman Sacs and Wallstreet. My husband’s Pension almost went broke and had to be transferred to another pension which were still not sure of! If Republicans would of had their way all the Social Security would have been gone then. LOL Stockbroker’s would have taken a big share of soc. sec. How soon we forget Republicans went on and on about people invest their own and let stock people take over Soc. Sec. to invest and they would have lost all of it a long time ago!!! Every company has their perks and some are more generous than others!!!!! LOL
Source: nbcnews.com

The Inherent Flaws in Medicare Premium Support

On December 15 Sen. Ron Wyden (D-OR) and Rep. Ryan released another variation. Their plan is similar to the Rivlin-Domenici plan but removes the cap on the voucher. Instead, if Medicare spending growth exceeds growth in the economy plus 1 percentage point, then Congress must reduce payments to health care providers, reduce program overhead, or increase premiums for higher-income beneficiaries. Importantly, while the Rivlin-Domenici plan would require private plans to cover the same services as traditional Medicare, the Wyden-Ryan plan would only require private plans to cover any package of benefits that provides the same “actuarial value”—pays the same percentage of costs—as traditional Medicare.
Source: americanprogress.org

Daily Kos: The Village Fix is In on Cutting Medicare

Vatexia, penguins4peace, SpecialKinFlag, shypuffadder, NMRed, CorinaR, wu ming, glorificus, gulfgal98, Wolf10, Joieau, grrr, Serendipity, Thomas Twinnings, Youffraita, SoCaliana, ctsteve, dopper0189, Audible Nectar, JML9999, Dr Erich Bloodaxe RN, Sybil Liberty, democracy inaction, Ice Blue, OleHippieChick, SCFrog, luckylizard, divineorder, HCKAD, TJ, shopkeeper, banjolele, Montco PA Dem, Ian S, scurrvydog, BobBlueMass, 2020adam, Phoebe Loosinhouse, aznavy, S F Hippie, quill, Dallasdoc, Burned, DRo, smiley7, Gowrie Gal, Kimbeaux, Brooke In Seattle, lunachickie, Superskepticalman, RLMiller, Rhysling, FogCityJohn, Pandora, chuckvw, eeff, dufffbeer, TracieLynn, susanWAstate, jparnell, CitizenOfEarth, leeleedee, tofumagoo, ActivistGuy, fumie, kerflooey, rmonroe, shaharazade, millwood, old wobbly, orangeuglad, tombstone, Pescadero Bill, implicate order, SaintC, TimmyB, profundo, Its a New Day, tardis10, Boston Boomer, hubcap, Jakkalbessie, pat bunny, Leftcandid, strangedemocracy, Eryk, cwsmoke, DarkestHour, Mr Robert, Crabby Abbey, Michael Chadwick, ladybug53, Nebraskablue, Danno11, radarlady, Angie in WA State, majcmb1, BroadwayBaby1, left my heart, santamonicadem, mike101, blueoregon, Alumbrados, tacet, Just Bob, progressivist, Nicci August, RenMin, middleagedhousewife, vahana, yawnimawke, Sandino, tapestry, greengemini, jedennis, Siri, Simplify, bluestatedem84, Williston Barrett, RubDMC, hester, yoduuuh do or do not, TX Freethinker, TexDem, Free Jazz at High Noon, Bailey Savings and Loan, ferment, fabucat, missLotus, zerelda, deha, PedalingPete, jck, kurt, PvtJarHead, jennylind, llbear, chimene, berko, MarkInSanFran, fayea, dkmich, real world chick, basquebob, johanus, tidalwave1, One Pissed Off Liberal, eztempo, Flint, Lahdee, AoT, uciguy30, Involuntary Exile, flitedocnm, a2nite, wdrath, Catskill Julie, WheninRome, wonmug, GboGbo, LarisaW, prettygirlxoxoxo, rivamer, Chi, revsue, Bill Roberts, Preston S, 714day, wasatch, Rizzo, lostinamerica, artisan, countwebb, Shockwave, psnyder, RennieMac, poliwrangler, ask, Eric0125, akmk, ChemBob, rubyclaire, Pithy Cherub, hungrycoyote, Floande, Hayate Yagami, JanL, skywriter, Agathena, triv33, nellgwen, howabout, USHomeopath, prfb, Dumbo, codairem, CroneWit, YucatanMan, madgranny, Dreaming of Better Days, radical simplicity, highacidity, Teiresias70, cslewis, xynz, mollyd, Puddytat, squarewheel, cherie clark, tiggers thotful spot, retLT, dankester, sockpuppet, Jim P, bluezen, WisePiper, Miss Jones, Sunspots, vigilant meerkat, pensivelady, RagingGurrl, coolbreeze, james321, Skennet Boch, exNYinTX, jnhobbs, Michael James, War on Error, NoMoreLies, recrum, Nada Lemming, Clive all hat no horse Rodeo, Son of a Cat, susakinovember, Geenius at Wrok, 3goldens, mconvente, gooderservice, Palmetto Progressive, deben, George3, JDWolverton, elwior, wayoutinthestix, martini, the good witch, rantsposition, Marihilda, JVolvo, Dobber, pot, George Hier, hyperstation, jolux, miracle11, HoundDog, South Park Democrat, PeteB2, petulans, out of left field, terabytes, MsGrin, Jujuree, kaliope
Source: dailykos.com

Final FY 2011 State Allotments for Medicare Part B Premiums for Qualifying Individuals (QIs) : Health Industry Washington Watch

New York, London, Hong Kong, Chicago, Washington, D.C., Beijing, Paris, Los Angeles, San Francisco, Philadelphia, Pittsburgh, Oakland, Munich, Abu Dhabi, Princeton, Northern Virginia, Wilmington, Silicon Valley, Dubai, Century City, Richmond, Greece
Source: healthindustrywashingtonwatch.com

Medicare Premiums, Deductibles & Coinsurance: Rates for 2011

Because of the zero COLA increase in 2011, some Medicare beneficiaries will not pay more for coverage. If your premium is deducted from your Social Security check and your income is $85,000 or less ($170,000 if you file a joint tax return), then you won’t have to pay more. Your monthly premium will stay at either $96.40 or $110.50.
Source: suite101.com

Medicare Advantage Grows; But Not Without Government Help

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

Medicare Part D Premiums Holding Steady

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

Preventive & screening services

Posted by:  :  Category: Medicare

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

Video: medicare.gov

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

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

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

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

Different Insurance Companies Charge Different Amounts for the Same Coverage

If you take out the Medicare Supplement Insurance coverage – also known as Medigap – during your open enrollment period, you have guaranteed coverage at the standard cost. This period begins the first day of the month you turn 65 and ends after six months. During this period, medicare supplemental insurance companies are not allowed to charge you more than their base rate, issuance is guaranteed regardless of medical condition, you can keep the coverage forever if you pay your premiums timely, you won’t be charged a greater amount because of any health condition you have at the time or that you develop later, and your policy cannot be canceled for medical reasons.
Source: seniorcorps.org

The Truth About Gov. Romney’s Medicare and Medicaid ‘Reforms’

The House Republican premium support plan would adjust the voucher for health status—redistributing payments from plans with healthier enrollees to plans with less healthy enrollees. This “risk adjustment” mechanism would certainly help, but current risk-adjustment methods are still far from perfect. Current methods tend to overpay plans with healthier enrollees and underpay plans with less healthy enrollees. As a result, premiums for traditional Medicare would likely rise and enrollment would likely decline over time. This outcome is even more likely because the House Republican premium support plan would not require private plans to provide a standard set of benefits—allowing them to design benefits that attract healthier beneficiaries.
Source: americanprogressaction.org

Protect Your Seniors (and Yourself): 2013 Medicare Part D Prices Announced

During the Annual Election Period (AEP), you can change your Part D plan without restriction.  To remind you: the AEP is between October 15 and December 7.  With the prices going higher, it will be important to figure out which plan will result in the lowest overall costs for the year.  You can use the www.medicare.gov website in order to input your prescriptions and find your best plan.
Source: protectyourseniors.com

Health Policies Bubble Up In House And Senate Races

Posted by:  :  Category: Medicare

HERES YOUR TOP TEN by SS&SSThe Associated Press: Coattails A Factor In Some Senate And House Races [Romney’s comment] that 47 percent of Americans think they are “victims” entitled to government help and that he doesn’t worry about “those people,” sent Republican Senate candidates scrambling. … There are, after all, a lot of Republicans in that 47 percent — seniors, for example, who depend on government programs like Medicare and Social Security after paying into them for decades. … Democrats, meanwhile, are left to defend Obama on broader issues … his health care overhaul that struck even some in his own party as a too-big government power grab (Jackson, 9/27).
Source: kaiserhealthnews.org

Video: Medicare Nevada- 1.800.643.7544

Nevada Daily Mail: Local News: Medicare by Design Workshop scheduled (09/15/12)

The workshop will cover Medicare and its Parts, A, B, C and D and how to choose between a Medicare Advantage plan, Medigap policy and/or Prescription Drug Plan (Part D). Participants will also hear about additional programs available to help pay for Medicare Part B and D. Missouri’s Senior Medicare Patrol (SMP) will conduct sessions on Medicare fraud and abuse.
Source: nevadadailymail.com

Obama Maintains Lead in Nevada, New Hampshire and North Carolina

While there is no silver lining in this set of polling data for Romney, there is one piece of good new for Republicans. In the Nevada Senate race, the poll found Republican Dean Heller is at 49 percent while Democrat Shelley Berkley is at 43 percent. It is one of the few competitive Senate races that seems to be going relatively well for the Republican Party right now.
Source: firedoglake.com

HENDERSON, Nev.: Tight Nevada Senate race despite ethics issues

Berkley has attacked Heller for backing Republican vice presidential nominee Paul Ryan’s Medicare proposals. Heller has blasted the Democratic congresswoman on ethics and as a rubber-stamp for House Minority Leader Nancy Pelosi. Each side has responded to their perceived weakness by trying to turn the tables on their opponent. Heller and his backers have aired ads accusing Berkley of voting to cut $1 trillion from Medicare. Berkley has fired back with ads trying to tie Heller to a pair of Nevada political scandals to which he has the most tenuous links.
Source: heraldonline.com

Hometown Health Offers Drive

About Hometown Health Established in 1988, Hometown Health is the insurance division of Renown Health. Hometown Health is northern Nevada’s largest and most experienced health-insurance company. Providing wide-ranging medical coverage and great service to members, Hometown Health represents a philosophy of healthcare that emphasizes active partnerships between members and physicians. Hometown Health values prevention as a key component of comprehensive care – reducing the risks of illness and helping to treat small problems before they can become more severe. Hometown Health offers a number of insurance products including HMO, PPO, HAS, Dental, Vision and Senior Care Plus, northern Nevada’s first Medicare Advantage Plan. For more information, call 775-982-3000 or visit hometownhealth.com
Source: nvseniorguide.com

NV: AARP poll shows Medicare, Social Security top concerns

Working baby boomer voters in Nevada are pessimistic about retirement, the poll results show. Of this group, 67 percent believe they will have to delay retirement and 32 percent are not confident they will ever be able to retire. Sixty-eight percent of working boomers believe the recent economic downturn will force them to rely more on Social Security and Medicare.
Source: watchdog.org

Nevada Nursing Homes Face $20 Million Reduction on Medicare

The Avalere analysis, the first retrospective national and state-by-state look at recent reductions in Medicare payments to facilities, projects the 2013-14 budgetary impact on Nevada based on the following major government actions since 2009: Affordable Care Act (ACA) productivity adjustment ($7 million cut in 2013); Case-Mix Adjustment in FY 2010 CMS Rule ($7.3 million regulatory reduction in 2013); Forecast Error Adjustment in FY 2011 CMS Rule ($1.3 million regulatory reduction in 2013); Sequestration provision of Budget Control Act ($4.3 million cut on January 1, 2013 ); Bad Debt provision in March 2012 Middle Class Tax Relief and Job Creation Act ($2.1 million cut 2012-14 beginning October 1, 2012 ).
Source: toonaripost.com