Program offered seniors info on ‘Medicare 101′

Posted by:  :  Category: Medicare

Stocking the FINRA info tables by Newton Free LibraryA large number of North Carolina “Baby Boomers” are now turning age 65. Those consumers can receive information on Medicare eligibility from the Social Security Administration. After becoming eligible, consumers can receive Medicare information in several ways. They can make an appointment with a SHIIP counselor at Rufty-Holmes. Consumers can also access the SHIIP website at: www.ncshiip.com or they may speak with a trained SHIIP counselor at 1-800-443-9354.
Source: salisburypost.com

Video: Medicare Benefits Made Clear: News, Reform & Obamacare Exposed!

New York Physical Therapy Association: Medicare info

Good Afternoon CMS Issues Cap Letter to Part A Beneficiaries; APTA Updates Patient FAQs The Home Health Section alerted APTA this week that the Centers for Medicare and Medicaid Services (CMS) began issuing its therapy cap letter to Medicare beneficiaries who are receiving home health under Part A, resulting in patients cancelling appointments. To address these beneficiaries’ concerns, APTA has updated its patient FAQs to explicitly state that the cap does not apply to patients who receive skilled therapy at home under the Medicare home health benefit Part A, those who receive services under Part A in skilled nursing facilities, or those under a Part A inpatient hospital stay.  In good health Matthew Hyland President NYPTA
Source: blogspot.com

Fixing Medicare With More Direct

As I’m sure you remember, when the Senate passed the Medicare bill in 1965, President Lyndon Johnson said, "We have proved, once again, that the vitality of our democracy can shape the oldest of our values to the needs and obligations of today." Now that you’re 47, it’s time we start thinking about the needs and obligations of a new day. When we think of the health care system, we should be thinking about how to better care for everyone in it — including workers.
Source: aarp.org

eResource News: Medicare Drug Plan Info

According to a new analysis of Medicare and Medicaid Services by Avalere Health, seven of the ten most popular Medicare prescription drug plans will raise premiums next year. The seven plans with double-digit premium increases were: the Humana Walmart-Preferred Rx Plan (23 percent); First Health Part D Premier (18 percent); First Health Part D Value Plus (17 percent); Cigna Medicare Rx Plan One (15 percent); Express Scripts Medicare-Value (13 percent); the HealthSpring Prescription Drug Plan (12 percent); and Humana Enhanced (11 percent). In light of this new report and the fact that open enrollment season runs between Oct. 15 and Dec. 7, now is a good time to (re)familiarize yourself with Medicare.gov and the Medicare Prescription Drug Plan Finder. The site provides a wealth of information on Medicare plans, including drug coverage, supplemental insurance, help with claims and resources to help you coordinate your care. Other online resources to check out include:
Source: blogspot.com

Alliance sees launch of largest international healthcare event in KSA: Saudi Health Exhibition and Conferences 2013

This launch is based on the strategic cooperation of Informa Life Sciences Exhibitions and REC with the integration of the long running and successful Saudi Medicare Exhibition. Under the patronage of the Saudi Ministry of Health, the Saudi Health Exhibition and Conferences will integrate the know-how and experience from these two events-industry giants to create the largest international healthcare event in KSA and to serve all aspects of this $20bn multispectral industry. According to Simon Page, Managing Director, Informa Life Sciences Exhibitions, “We are extremely excited to become part of creating the most comprehensive healthcare event in KSA. With the partnership of Riyadh Exhibitions Company, we expect Saudi Health Exhibition to serve as the number one destination for business networking, clinical education and global partnerships that the Saudi healthcare industry has to offer. Our experience with the organisation of healthcare events across the Middle East and Asia, coupled with Informa Group’s extensive database with a global reach of more than 26 million, will ensure a successful and fruitful event for 2013.” “The 2011 Saudi Medicare Exhibition was a great success with 152 exhibitors from 20 countries with more than 8,000 visitors,” said Zeyad Al Rukban, Deputy General Manager of REC. “By merging this event with Informa Life Sciences Exhibitions to create Saudi Health, we anticipate a perfect environment for our exhibitors to solidify their brand and to interact with new buyers and key industry players from within Saudi Arabia and across the globe. Our purpose is to create a stimulating business-focused atmosphere while nurturing the educational needs of clinicians across the kingdom,” he added. Saudi Health 2013 is a three-day exhibition and conferences that will provide a unique platform for industry professionals to focus on the leading trends and developments within the Saudi healthcare industry. In line with Informa Life Sciences’ and REC’s philosophy of ‘exhibition with education’, Saudi Health offers a comprehensive multi-tracked congress including a diverse range of conferences covering a broad range of specific medical disciplines. Key global issues that will be debated at the conferences include imaging and diagnostic, medical laboratories, biomedical engineering, nursing, primary healthcare, rehabilitation and trauma. Commenting on the launch of the Saudi Health Exhibition and Conferences, Dr. Salah Al- Mazroa, Deputy Minister for Engineering Affaires and Supply for the Kingdom of Saudi Arabia said, “The organisers of the Saudi Health are committed to ensuring that all of the scientific conferences presented as part of the event comprise of valuable and up-to-date topics that are relevant to the medical disciplines being addressed. They also aim to make sure that new advances, research and technologies are also highlighted to better inform and equip those attending. This is in line with the recent announcement by the Ministry of Health that a series of health contracts worth SR4bn has been signed for implementation and expansion of health services for Saudi citizens kingdom-wide. The Saudi Ministry of Health is pleased to ensure patronage for an event, such as this and just as it did for the previous editions of Saudi Medicare that will work towards furthering the interests of the KSA healthcare industry from both a clinical and market perspective.”
Source: ameinfo.com

Daily Kos: The Obama Administration uncovered $430 million in Medicare fraud in a single bust yesterday

Grassroots Mom, Ed in Montana, Sylv, Alma, Terri, Chi, filkertom, grollen, teacherken, Geenius at Wrok, dfarrah, artr2, TrueBlueMajority, NYmom, BigOkie, RunawayRose, bosdcla14, Emerson, dengre, billlaurelMD, cotterperson, hyperstation, OLinda, LynnS, jdld, eeff, TX Unmuzzled, LeftHandedMan, frisco, Matilda, bethcf4p, exNYinTX, Creosote, davelf2, Bugsby, eyeswideopen, tyler93023, concernedamerican, missLotus, litho, cyberKosFan, wonkydonkey, Loquatrix, CoolOnion, barath, khloemi, samddobermann, Voter123, itskevin, jalbert, Terre, Cedwyn, CocoaLove, aitchdee, revsue, Serendipity, Texknight, SneakySnu, ammaloy, psnyder, Nag, NYC Sophia, Lawrence, Noodles, yet another liberal, katchen, defluxion10, lcrp, Liberaljentaps, kismet, walkshills, zerelda, KayCeSF, tomjones, xyz, Emmy, Nova Land, Josiah Bartlett, Sybil Liberty, Sassy, Gowrie Gal, rapala, maybeeso in michigan, bloomer 101, Tinfoil Hat, Jeffersonian Democrat, Ckntfld, v2aggie2, subtropolis, democracy inaction, OpherGopher, kitchen sink think tank, Bcre8ve, basquebob, Brooke In Seattle, Gary Norton, fixxit, eru, owlbear1, Beetwasher, LNK, majcmb1, SaraBeth, Frank Palmer, Sun Tzu, uato carabau, kaliope, SBandini, Savvy813, sodalis, DFJtoo, peacestpete, WayBeyondSoccerMom, kathny, xaxnar, Jim R, begone, reddbierd, Tranny, martini, third Party please, Shirl In Idaho, Patriot Daily News Clearinghouse, myboo, hungrycoyote, Naranjadia, Russgirl, cookseytalbott, seefleur, Dvalkure, sleipner, KenBee, deha, VictorLaszlo, blueoasis, 4Freedom, real world chick, CTLiberal, middleagedhousewife, hlsmlane, Pilgrim X, blue in NC, democracy is coming, CA Nana, geekydee, Stripe, blueoregon, kurt, bstotts, Temmoku, markthshark, Nulwee, AntKat, DBunn, ladypockt, Sapere aude, john07801, Cronesense, byDesign, drmah, FWIW, bfbenn, Wino, jeanette0605, Matt Z, terabytes, mdcalifornia, SeaTurtle, Librarianmom, Wreck Smurfy, uciguy30, GeorgeXVIII, Timmethy, BasharH, TomP, Empower Ink, jwinIL14, mconvente, TX Freethinker, JaxDem, angry hopeful liberal, ScottyUrb, Cordwainer, OleHippieChick, Sixty Something, Youffraita, elwior, Akonitum, jamess, mikeconwell, beltane, monkeybrainpolitics, Lujane, TomFromNJ, tofumagoo, royce, Ocelopotamus, Haplogroup V, smartdemmg, bluesheep, catly, WoodlandsPerson, mofembot, petulans, luckylizard, JamieG from Md, sagansong, ekyprogressive, Ellinorianne, DavidW, Diogenes2008, prettygirlxoxoxo, Bule Betawi, DontTaseMeBro, litoralis, greengemini, divineorder, banjolele, CanyonWren, Nebraskablue, maryabein, Gorilla in the room, susanWAstate, WakeUpNeo, socal altvibe, DefendOurConstitution, MKSinSA, papahaha, igwealth5tm, hyper, Denise Oliver Velez, Keith Pickering, Dark UltraValia, sfarkash, 57andFemale, DaNang65, haremoor, jfromga, nancat357, MizKit, astral66, TM, jpmassar, LookingUp, Words In Action, Contra, Lefty Ladig, BlueOak, Railfan, Amber6541, Just Bob, CalGal47, coppercelt, mamamorgaine, henlesloop, awcomeon, marabout40, Laurilei, flitedocnm, NJpeach, estreya, breathe67, gramofsam1, cindiloohoo, secret38b, Orlaine, VickiL, womankind, Eddie L, ipaman, cordgrass, gulfgal98, loveistheanswer, ItsSimpleSimon, Puddytat, dlemex, naka, Kristina40, orlbucfan, Rainefenix, ericlewis0, Floande, eclecta, wwjjd, Quantumlogic, Onomastic, Jane Lew, Mike08, Barbara Marquardt, kerflooey, Hill Jill, mama jo, ozsea1, spooks51, Bob Duck, nervousnellie, afisher, jardin32, vahana, Amayi, Susipsych, BlackQueen40, itzik shpitzik, lexalou, mikejay611, near mrs, BirdMom, CoExistNow, molunkusmol, boomerchick, marleycat, PorridgeGun, zukesgirl64, sethtriggs, Cinnamon Rollover, Icarus Diving, thomask, rk2, floridablue, Grandma Susie, IB JOHN, createpeace, worldlotus, Fire bad tree pretty, RMForbes, enhydra lutris, MuskokaGord, antooo, bluedust, poliwrangler, Wood Dragon, VTCC73, Caddis Fly, old mark, Marihilda, Vatexia, hobie1616, SteelerGrrl, Catlady62, googie, Auriandra, ParkRanger, allergywoman, AnnetteK, Only Needs a Beat, stormicats, KiB, Barbie02360, Catskill Julie, Invictus88, Siri, Citizenpower, lurkyloo, IndieGuy, ahumbleopinion, Hopefruit2, S F Hippie, a2nite, AreDeutz, 2thanks, congenitalefty, shanesnana, peachcreek, belinda ridgewood, radical simplicity, doroma, Buckeye54, james321, Spirit of Life, dotdash2u, George3, fauve, Bisbonian, Adam AZ, Ron Ebest, ShoshannaD, BobTheHappyDinosaur, nuclear winter solstice, nomandates, DamselleFly, Sam Sara, Late Again, remembrance, Neapolitan, poopdogcomedy, LiberalSage, gotmooned, Dewstino, Homer177, Constantly Amazed, northerntier, helpImdrowning, Smoh, starfu, tampaedski, chicklet, Jim Domenico, workingclasszero, OregonWetDog, grubber
Source: dailykos.com

What’s New for Medicare Annual Open Enrollment Period

As these benefits continue, Medicare beneficiaries can expect the following with their 2013 coverage: Medicare recipients reaching the drug donut hole will benefit from increased coverage. The gap in prescription drug coverage starts when someone reaches the initial coverage limit, estimated at $2,970 for 2013, and ends when they have spent $4,750. (These are increases of $40 and $50, respectively, from 2012.) Catastrophic coverage begins at this point. During the donut hole, all costs are covered by individuals out of their own pocket. In 2013, individuals who reach the donut hole can receive a 50 percent discount on covered brand name drugs (the same as 2012), as well as 2.5 percent of coverage now paid by plans. Generic drug discounts increase to 21 percent from 14 percent. Cost for Medicare Part B coverage may increase. The 2012 monthly premium for Medicare Part B (medical insurance) coverage is $99.90, a decline from 2011. Preliminary forecasts indicate that Part B premiums are likely to increase for 2013. Factors such as the rollout of the Affordable Care Act and the federal fiscal year 2013 budget may affect the cost of premiums in 2013; however, more detailed information probably won’t be available until Medicare’s annual open enrollment period begins Oct. 15. Prescription drug (Part D) increases deductible; holds on premium costs. The Part D initial deductible will increase by $5 to $325 in 2013. Drug cost sharing during catastrophic coverage is $2.65 for generic or preferred drugs (multi-use source) and $6.60 for all other drugs. Premium costs in 2013 are expected to stay constant, averaging $30 per month (compared to $29.67 per month in 2012), according to the HHS. In addition to costs, individuals should review how any changes to drugs covered under their plan could affect their individual circumstances. Medicare Advantage plans see changes. Medicare Advantage participants should review 2013 plan changes as soon as they receive information from their providers. Changes could include costs such as premiums, deductibles and co-pays, as well as changes to covered procedures, tests and other provisions. Some plans may be eliminated, requiring enrollees to choose a new plan for 2013 or default to traditional Medicare Part B. Enrollment in Medicare Advantage plans continues to increase, with 10 percent more Medicare beneficiaries choosing these plans for 2012 compared to 2011. The average number of plans available to eligible individuals declined slightly from 24 plans in 2011 to 22 plans in 2012. The average number of plans for 2013 will not be known until later this year. According to Walters, most Medicare beneficiaries should receive their Annual Notice of Change (ANOC) and Evidence of Coverage (EOC) from their existing Medicare Advantage and Medicare Part D plan providers by Sept. 30. “Take time to review the information you receive and look at all of your Medicare options,” Walters said. “You may find more affordable coverage through a different combination of plans—whether Medicare Advantage or traditional Medicare with Part D and Medigap plans. Keep in mind that you may see a lot of ads for Medicare plans, but there could be a plan that’s perfect for you that isn’t getting a lot of attention with ads and mailers.” It’s important to compare this year’s coverage and understand the changes for 2013, especially when evaluating costs and anticipating healthcare needs for next year. “If finding the right Medicare plan becomes time-consuming, confusing or stressful, remember that an expert like Allsup can do the in-depth research, sort through plans, and make it easier to identify and choose the option that best meets your specific needs and lifestyle.” For an evaluation of your Medicare options, call an Allsup Medicare Advisor specialist at (866) 521-7655 or visit http://Medicare.Allsup.com. Ask questions and find Medicare resources during the Allsup True Help® Disability Web Expo on Thursday, Sept. 27, from 9 a.m. to 4 p.m. CST. This free, live online event allows visitors to talk directly with Medicare specialists via the Internet. Register to attend at WebExpo.Allsup.com. ABOUT ALLSUP Allsup is a nationwide provider of Social Security disability, Medicare and Medicare Secondary Payer compliance services for individuals, employers and insurance carriers. Founded in 1984, Allsup employs more than 800 professionals who deliver specialized services supporting people with disabilities and seniors so they may lead lives that are as financially secure and as healthy as possible. The company is based in Belleville, Ill., near St. Louis. Visit http://www.Allsup.com  or connect with Allsup at http://www.facebook.com/Allsupinc. The information provided is not intended as a substitute for legal or other professional services. Legal or other expert assistance should be sought before making any decision that may affect your situation. Belleville, IL (PRWEB) September 05, 2012
Source: whatdisability.com

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

Comprehensive Guide to Medicare Supplemental Insurance

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSCMMS or Centers for Medicare and Medicaid Services have provided Medicare Supplemental Insurance in 10 different plans. Private insurance companies offer these plans and will help you to determine which plan would be best for you. The plans are labeled with letters from the alphabet and start with the letter A and end with the letter N. One thing to keep in mind is that there are a few of the plans that were discontinued and those were E, H and J. During the month of March in 2010 is when this plan ended, and now you can find A-F, which would equal 11 of the plans that are still available. Each plan is different and unique. Below is a list of what some of these plans are:
Source: ccardzone.com

Video: Compare Medicare Supplement Plans | Supplemental Medicare Insurance

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

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

Comparing Medicare Supplemental Insurance Benefits

These plans, called “Medigap” plans, each have different medical care coverage. Variable benefits of coverage to be considered are: • Coinsurance plus coverage that last 365 days after medicare benefits end (Medicare Part A) • Coinsurance/Copayment for medicare part B. • Pints of blood (transfusions, first three pints) • Hospice care copayments or coinsurance • Coinsurance for Skilled Nursing Facilities • Part A medicare deductible • Part B medicare deductible • Part B excess charges • Emergencies during foreign travel • Preventative care coinsurance, per Medicare Part B If any of these are important for you to have covered, comparing medicare supplemental plans that include benefits is the only way to ensure they are included.
Source: seniorcorps.org

Medicare Supplement Basics

Medicare Supplement Insurance, sometimes called Medigap plans, are insurance policies made available by private insurance companies that do what their names imply; they supplement or fill the gaps in Original Medicare coverage. To properly understand Medicare Supplements it is important to first have a basic understanding of what they supplement – Medicare.
Source: reed-insurance.net

California Medicare Supplement Insurance

For California residents who are turning 65, it might be strange to think of Medicare supplements in terms of a State since the underlying program is a Federal one but there some important considerations to look at when shopping for California Medicare supplemental insurance. This is mainly a function of the carriers and plans available which although standardized by the Federal program, are definitely affected by the State in which your currently reside. Let’s take a look at what to consider if you’re a California resident in order to get the best possible plan and rate. So what do we mean when we say the Medicare plans are standardized at the federal level? That’s a good place to start. An F plan is an F plan regardless of the carrier or State. This makes it easier to choose a plan since we can first find the right benefit mix and then concentrate on which carrier to purchase the plan from. This is where the State makes a difference. Health insurance, including Medicare supplemental insurance, is still State by State regardless of any Federal standardization of the plans. Each carrier can choose to offer certain plans in the Medicare supplement world (currently A through N). For example, one carrier may offer the K plan while another might not. They each have a mix of plans available even though most (if not all) offer the F plan since it’s the most popular plan on the market and generally, the best value. Once we pick the right plan, how do we determine the right California Medicare supplement carrier? That’s the next piece of the puzzle. When considering a California Medicare supplement carrier, we need to look at two items: price and stability. For a given Medicare supplement plan (let’s say the F plan for argument’s sake), what is the price that the major carriers charge for that plan. They should all be in the ball park of each other since the core benefits are the same. If they’re way too high or way too low, be careful. Neither extreme will probably work in your favor over the longer term and we discuss this in detail with other articles. The other concern which partially coincides with price is stability. Is the carrier strong enough to be there for the long haul. Keep in mind that you are buying a California Medicare supplemental insurance for years if not decades. You may be guaranteed issue now but if your health changes, it can be difficult if not impossible to switch California Medicare supplements plans and/or carriers. If a carrier is not successfully managed, the rates can fluctuate wildly or they can leave the market. In the case of the latter, you may still be fine as that likely will result in a qualifying event for you to move to another California Medicare supplement plan and carrier. What if the carrier doesn’t go under (most do not) or doesn’t leave the market but the rates increase significantly. You may be stuck in with that carrier. You don’t want to be in this situation so picking a good carrier and plan is critical in the beginning. This is where we can help. As licensed California Medicare supplement insurance agents, we know the carriers, the plans, and marketplace. We can quickly size up your situation to figure out what might be good options for you. You pay no extra charge for this 3rd party assistance and it might just save you sizeable amounts of money over years. California is one of the most dynamic and competitive insurance markets in the U.S. so make sure to get the most of out of all that competition by knowing all the available options with the help of a licensed agent.

Supplementing Your Medicare Coverage With Dental Insurance – PlanPrescriber Provides Seven Recommendations for 2012 / eHealth

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSeHealth, Inc. (NASDAQ: EHTH) is the parent company of eHealthInsurance, one of the nation’s leading online source of health insurance for individuals, families and small businesses. Through the company’s website,www.eHealthInsurance.com, consumers can get quotes from leading health insurance carriers, compare plans side by side, and apply for and purchase health insurance. eHealthInsurance offers thousands of individual, family and small business health plans underwritten by more than 180 of the nation’s leading health insurance companies. eHealthInsurance is licensed to sell health insurance in all 50 states and the District of Columbia, making it the ideal model of a successful, high-functioning health insurance exchange. Through eHealth’s technology solutions (www.eHealthTechnology.com), is also a leading provider of health insurance exchange technology. eHealth provides a suite of hosted e-commerce solutions that enable health plan providers, resellers and government entities to market and distribute products online. eHealth, Inc. also provides online tools to help beneficiaries navigate Medicare health insurance options through PlanPrescriber.com (www.planprescriber.com) and eHealthMedicare (www.eHealthMedicare.com).
Source: ehealthinsurance.com

Video: Medicare Supplement Plan G

Medicare Supplement or Medicare Advantage

That is correct, Jeff!!  If your group prescription drug plan is not as good as Medicare’s standard prescription drug plan, which means has a $321deductible or more for 2012.  Or if your company and/or your insurance company states that the plan is not creditable, then you should enroll in a Part D plan to keep from having a 1% per month penalty which goes back to the month your Part A started, when you do enroll in a prescription drug plan. Read page 90 of the
Source: tonisays.com

What is a Medicare Supplement?

Original Medicare does an adequate job of covering eligible medical expenses for Medicare enrollees. It provides primary coverage for hospitalizations and doctor services. While Medicare is subsidized, it is not completely free and so you share in the cost of the medical expenses you incur. In most years, Original Medicare will provide adequate coverage if your medical expenditures aren’t over a certain amount, say $10,000 per year (hypothetically, depending on your financial situation). However, say one year you need to go through a surgical procedure, along with an extended outpatient rehab state. And say that the overall bill of for the combined treatments comes to over $100,000. While Medicare will cover most of the bill, your share could still end up being $20,000. A Medicare Supplement plan is a true form of insurance that lessens the risk and financial burden against such situations.
Source: 1stallianceinsurance.com

The B Medicare Supplement Insurance Plan

You can’t make a good Medicare supplement insurance choice if you do not know the plans the first place to start before even looking at the rates and carriers is to have a good foundational understanding of how the plans differ and in that light, let’s take apart the B Medicare supplement plan. Although it’s incredibly popular as an option, it’s important to understand why not. First of all, do not confuse the B Medicare supplement plan with Part B. This is always confusing (understandably so) for many people when researching options for Medicare. When we are on the phone helping people go through the options, it quickly devolves into a “Who’s on 1st” routine until we delineate that Part B is the part of traditional Medicare that deals with physicians costs while Plan B, is one of the standardized Medicare supplement plans available to complement traditional Medicare. Once we have correctly separated, we can get into the benefits so on to Plan B. Plan B is the second plan (A being the first) up in terms of benefits meaning that only the A plan is less rich in benefits if we’re not considering the high deductible F plan or Advantage plans. Not too many carriers will offer the B plan but just in case, letss go through the benefits. First, there’s are the benefits relating to Part A. Part A is the hospital side of traditional medicare. By hospital, we generally mean facility based care. The B Medicare supplement plan address both “holes” in Part A coverage. The B plan will cover both the Part A deductible and the Part A co-insurance (covered by all Medicare supplement plans). The Part A deductible is the only difference between the B plan and A plan (A plan does not cover this deductible). The deductible is sizable (over $1000 per calendar year and growing) so the reason to get the B plan is this one time and if it’s priced fairly closely to the A plan, we advise the B plan between those two options if cost is your primary concern. The next section to look at would be Part B benefits under traditional Medicare. These are the charges associated with physician charges and labs. The B plan will not cover either the Part B deductible or the Part B co-insurance. This means that you will pay the Part B deductible (over $100 and growing) and afterwards, the 20% that Medicare does not pick up. This is less of a concern than the Part A deductible/co-insurance since we’re dealing with much smaller amounts but you’re also more likely to hit the Part B deductible since more common-place benefits such as office visits fall under this category. You’re pretty likely to hit (and meet) this deductible and the co-insurance of 20% so figure what the deductible amount is over a 12 month period to compare apples and apples against other plans. The rest of the Plan B Medicare supplement benefits are identical to the A plan for the remaining categories. Let’s look through them according to importance (in our humble opinion). The first is Excess charges which is not covered by the B (or A or C) plan. Excess is the amount that Medicare providers can charge over what Medicare allows. We feel this is an important consideration and potential risk since the Excess charge is not capped and can run as high as 15% of the total eligible charges. Hospice care is covered by the F plan but Skilled Nursing Facility is not. The latter is also a potential concern since this type of care is extremely expensive and only getting more expensive as can be seen by the current Long Term Care funding issue. As competition for skilled nursing become ever more in demand as a result of the Baby Boomers, the cost can be expected to increase as far as the eye can see. The first 3 pints of blood are covered but the Foreign travel emergency benefit is not covered. We’re not terribly concerned about his latter benefit since travel medical insurance can generally be purchased as needed and the cost to cover Foreign travel generally offsets any potential benefit. Preventative benefits are covered under the B Medicare supplement plan which is good news. Those are the core B plan benefits along the major categories outlined in Traditional Medicare coverage. The B plan is rarely offered so this is probably not going to figure into your decision but just in case it is, we want to make sure you have all the relevant information to make a good decision. Dennis Jarvis is a licensed insurance agent concentrating on medicare supplement insurance.

Comparing Medicare Supplemental Insurance Benefits

Posted by:  :  Category: Medicare

These plans, called “Medigap” plans, each have different medical care coverage. Variable benefits of coverage to be considered are: • Coinsurance plus coverage that last 365 days after medicare benefits end (Medicare Part A) • Coinsurance/Copayment for medicare part B. • Pints of blood (transfusions, first three pints) • Hospice care copayments or coinsurance • Coinsurance for Skilled Nursing Facilities • Part A medicare deductible • Part B medicare deductible • Part B excess charges • Emergencies during foreign travel • Preventative care coinsurance, per Medicare Part B If any of these are important for you to have covered, comparing medicare supplemental plans that include benefits is the only way to ensure they are included.
Source: seniorcorps.org

Video: Medicare Supplemental Insurance Plan Benefit Comparison California

Supplementing Your Medicare Coverage With Dental Insurance – PlanPrescriber Provides Seven Recommendations for 2012 / eHealth

eHealth, Inc. (NASDAQ: EHTH) is the parent company of eHealthInsurance, one of the nation’s leading online source of health insurance for individuals, families and small businesses. Through the company’s website,www.eHealthInsurance.com, consumers can get quotes from leading health insurance carriers, compare plans side by side, and apply for and purchase health insurance. eHealthInsurance offers thousands of individual, family and small business health plans underwritten by more than 180 of the nation’s leading health insurance companies. eHealthInsurance is licensed to sell health insurance in all 50 states and the District of Columbia, making it the ideal model of a successful, high-functioning health insurance exchange. Through eHealth’s technology solutions (www.eHealthTechnology.com), is also a leading provider of health insurance exchange technology. eHealth provides a suite of hosted e-commerce solutions that enable health plan providers, resellers and government entities to market and distribute products online. eHealth, Inc. also provides online tools to help beneficiaries navigate Medicare health insurance options through PlanPrescriber.com (www.planprescriber.com) and eHealthMedicare (www.eHealthMedicare.com).
Source: ehealthinsurance.com

MedicareSupplementPlans.com Offer Comparison Shopping Resource for Medicare Supplement Plans

Medicare covers some medical expenses, but it doesn’t cover everything. Medicare leaves gaps in patient coverage, and without a supplementary insurance plan, these gaps must be paid out-of-pocket. For that reason, Medicare supplement insurance plans are becoming a popular way to fill in the gaps left by Medicare coverage. Today, many top insurance providers offer some type of Medicare supplement plans. However, some of these plans are better than others. Some supplement plans might only fill in a few gaps left by Medicare coverage, while other plans comprehensively cover seniors in any circumstance. Some supplement plans are priced affordably, while others are expensive. MedicareSupplementPlans.com has been gaining a lot of attention lately by helping seniors quickly and easily compare any type of Medicare supplement plans. At MedicareSupplementPlans.com, visitors will find information about the best Medicare supplement plans in the country. The website states that these plans – also known as ‘Medigap’ insurance plans – cost far less than what many people expect. A spokesperson for MedicareSupplementPlans.com explained what the site hopes to accomplish: “Our goal is to connect visitors with the best possible Medicare supplement plans for their needs. There are so many different ‘Medigap’ plans available in this country, and finding the right one can be difficult for those who don’t have experience in the industry. That’s why we offer free insurance quotes that can be filled out in just minutes or allow people to be guided by our team of experienced representatives. We want to make it as simple as possible for consumers to select the most appropriate policy at the best possible price.” Using the website, visitors can also discover the specific benefits included in Medigap insurance plans. The website describes the specific types of Medigap plans offered by insurance companies across the states, and plans are identified by the letters A, B, C, D, F, G, K, L, M, and N. Each of these plans is the same for every insurance company. For example, Plan F Medigap from one insurance company will be identical to Plan F Medigap offered by another insurance company. The website features a detailed list that shows what each plan covers in a simple to navigate chart. The information on MedicareSupplementPlans.com is catered to those in California. The website features unique pages for every county in California, and visitors can easily compare California Medicare plans from anywhere in the state. Whether seeking to fill in the gaps left by insufficient Medicare coverage, or simply wanting to learn more about the types of insurance plans available, MedicareSupplementPlans.com allows users to compare the different types of Medicare supplement plans available today. By filling out the free insurance quote form included on the front page, visitors can receive a free quote within hours. About MedicareSupplementPlans.com MedicareSupplementPlans.com educates visitors about Medicare supplement plans, which are designed to fill in the gaps left by Medicare coverage. The website allows users to instantly receive a free insurance quote for insurance in their area. For more information, please visit: http://www.medicaresupplementplans.com
Source: sbwire.com

Things to know about Medicare Supplement and Health Insurance

Medicare supplement and health insurance is a remarkable resource for individuals of different backgrounds who desire to have financial well being after they retire from their jobs. Supplemental insurance comes into picture along with your regular health insurance plan to fill in the gaps wherever you would or else have to pay through your pocket. Medicare supplement health insurance becomes important for you since your regular medical insurance can take care of nearly 80% of your total medical costs. This leaves a significant 20% cost, which you have to arrange for, from your savings. Having a supplement medical insurance can lower your out-of-pocket expenses significantly without replacing the primary plan. This simply adds to your original plan making you fully covered and filling the gaps. These plans are often called Medigap plans and you have number of options when it comes to choosing the right for you.
Source: wordpress.com

Medicare Supplemental Insurance Comparison Website Announces Launch, 1K Views in First Week

Are stocks on the rise on Romney’s Win or on positive economic news?   EmailWire.Com SEO Press Release Distribution Services (EMAILWIRE.COM, October 04, 2012 ) New York, NY – Press release distribution service, EmailWire, reports on today’s stock outlook: The stock markets rose higher from the good news that jobless claims rose at 367,000; instead of 370,000 as previously forecasted. Retail sales rose as consumers’ confidence seems to gain: Chains like Costco NASDAQ:COST) and Limited Brands, Inc. (NYSE:LTD) posted strong gains in September even though they missed Wall Street’s expectations. Banks stocks were up: Bank of America (NYSE:BAC) closed high by 3.29 percent, Citigroup, Inc (NYSE:C) ended upwards by 2.64 percent. While JPMorgan Chase and Co (NYSE:JPM) closed the day with 2.35 percent gain. Despite good economic news, some pundits are attributing today’s stock rally to Romney’s win at yesterday’s presidential debate. In today’s EmailWire Stock News releases … — ESMC, CLRX and EVDR are the Daily Market Mover(s) for October 4th from OTCPicks.com: Dallas, TX – ESCALON MEDICAL CORPORATION (NASDAQ: ESMC) “Up 197.46% in morning trading” Escalon Medical Corp., together with its subsidiaries, engages in the development … Read complete news at: http://www.emailwire.com/release/101070-ESMC-CLRX-and-EVDR-isare-the-Daily-Market-Movers-for-October-4th-from-OTCPickscom.html — VFC’s Stock House Mid-Week Share Price Movers: A look at six stocks making big moves during the mid-week: AMRN, NBS, AEZS, KERX, SSH, FCEL New York, NY — The volatile trend continues in the markets, but the DOW has done a pretty good job at remaining in the range of 13,500 … For complete news, go to http://www.emailwire.com/release/101063-VFCs-Stock-House-MidWeek-Share-Price-Movers.html To read or subscribe to today’s stock news, got o http://www.emailwire.com/press_releases_by_industry/106/Stocks-General/. To have press releases on stocks appear on EmailWire.Com and major U.S. major Financial and Stock media outlets, go to http://www.emailwire.com/press_release_service_otc_pink_sheets.php. About EmailWire.Com Houston, Texas based EmailWire.Com (http://www.emailwire.com) is SEO online press release distribution services for small and medium size companies, public and investor relations firms and stocks promotion companies. Press releases that EmailWire.Com distributes appear on thousands of news sites such as Bing news from Microsoft (NASDAQ: MSFT), Google and Finance News (NASDAQ: GOOG), MoneyWatch.Com from CBS (NASDAQ: CBS), Yahoo search (NASDAQ: YHOO) – just to name a few. EmailWire press releases also appear on thousands of blogs and RSS feeds, newspapers, radio and television news sites. Hundreds of social media sites also carry EmailWire’s press releases: for example, Facebook (NASDAQ: FB) and Linkedin (NYSE: LNKD). For more information on press release distribution services go to http://www.emailwire.com/press_release_distribution_lists.php. ###
Source: scoop.it

10 Reasons To Buy A Medicare Supplement

8. You may have Guaranteed Issue Rights. There are several instances when you may have the right to buy a Medicare supplement without being subject to underwriting. These Guaranteed Issue Rights are normally triggered by a change in your circumstances, such as losing your group insurance coverage.   9. Medicare supplement benefits remain the same for as long as you have the policy. Unlike a Medicare Advantage plan, you do not need to worry about your benefits changing year to year. You do not need to compare plans annually.
Source: affordablemedicareplan.com

Medigap Quote Comparison: Issues to know about Medicare Supplement and Health Insurance coverage

There are a number of elements that you should be mindful earlier than deciding upon a particular medicare supplement medical health insurance plan. The components that it’s best to bear in mind and understand are how much protection is needed by you and the way a lot does your regular medical health insurance plan cowl for? There are several plans, right from probably the most primary ones to essentially the most detailed ones, so consult your medical care insurance agent whereas selecting an acceptable plan. Primary plans are right for individuals who are effectively off and are able to satisfy high medical costs. You might have nearly ten different plans to choose from the fundamental plans, while detailed plans are the most well-liked plans that decrease your out-of-pocket bills in wake of a medical emergency. This plan significantly lowers your bills for emergency medical providers, offering you a full medical coverage. When selecting essentially the most appropriate medicare supplement plan you could calculate your medical expenses that are not lined by your authentic medical insurance. Choose properly and find out the overall price, varying month-to-month premiums and the benefits. Select a plan which fits your budget and your medical care needs. Discovering the most effective medicare supplement and health insurance supplier, who presents you one of the best plan at the most cheap charge, is significant when you determine on a medicare complement plan. Do a thorough research of all of the medicare complement medical health insurance providers to reinforce your unique plan. Your plan must cowl for all deductible, coinsurance and elevated day by day needs coverage. There are a number of other benefits you can get pleasure from by going for these plans like you’ll be able to proceed to see each physician who accepts medical insurance, you do not need a referral whereas visiting a specialist. Also, you will get full coverage for all of your medical expenses after your retirement.
Source: blogspot.com

Compare Medicare Supplement Plans Side By Side

As you can see, comparing plan benefits from one company to the next is mostly a non-issue. Although some companies such as United Healthcare seem to offer small benefits such as vision and prescription drug discounts, this is actually a benefit of being an AARP member.
Source: alabamamedicaresupplement.com

Welcome to Medicare Madness in Naples, Florida

PRLog (Press Release) – Oct 05, 2012 – Medicare Specialist Helen Hreen will present a free seminar titled “Welcome to Medicare Madness,” Thursday, October 18, and Wednesday, October 31, 2012, from 10 a.m. to noon, at M Waterfront Grille, 4300 Gulf Shore Blvd. in Naples. A complimentary lunch will be served. The seminar is intended to educate retirees and near-retirees who are confused by Medicare, Medicare supplement plans and prescription drug plans – whether they’re new to Medicare, undergoing open enrollment, losing retiree benefits or new to the area. Topics include how health reform affects Medicare, supplemental insurance options, drug plans and exciting new developments in long-term care insurance. With more than 30 years of healthcare and insurance experience, Hreen is in a unique position as Medicare Specialist to provide up-to-date information on all aspects of Medicare, including the myriad of options available for those in open enrollment or new to the Medicare system. From Supplemental Plans and Advantage Plans to the Medicare Prescription Plans, Hreen is in a position to offer comparisons and assist seniors in choosing options that are right for them. Seating is limited. For reservations, please contact (239) 384-7014.
Source: prlog.org

The Importance of Comparing Medicare Supplemental Insurance Plans

Many Medigap customers think that comparing Medicare supplement insurance is a highly complicated process and that only insurance agents will know how to compare these supplement to Medicare policies. If you too are holding the same view about Medicare supplemental insurance, then you will be surprised to learn that comparing your Medigap plan options need not be a complicated or tedious process anymore. Today, the internet has empowered the customers so much that they can accomplish a lot of time consuming tasks in a matter of just few clicks. This applies to Medicare supplemental insurance price comparison too. You will be able to compare your Medicare supplement plans easily online. You will not have to visit several websites or spend several hours anymore to compare the various policies. You just need to find a reliable Medicare supplemental insurance website such as Lowcostmedigap.com that will allow you to compare Medigap plans online. Using such online services you will be able to make well-informed choices on your Medicare supplement. You will be able to save not only a lot of money but also a lot of time by comparing your Medicare supplement plans online.
Source: medicarequotefinderblog.com

Arm yourself against the flu

Posted by:  :  Category: Medicare

Approximately 1,505 flu vaccinations were performed during last year’s District 518 clinics and Donkersloot anticipates even more to take advantage of the offer this year. Insurance will be billed for those students who have coverage, and will be provided at no cost to those who don’t have insurance. Any costs over and above insurance coverage will also be taken care of.
Source: dglobe.com

Video: Pat Creech Insurance – Mount Sterling, KY

Medicare Supplemental Insurance: Pat Creech Insurance

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Source: insurancequotes24-7.com

Medicare Supplement Claims Analyst

Job Title: Claims Analyst I FLSA: Non-exempt Reports to: Supervisor, Med Supp Claims Class: CU9 Summary: Verify, manually key and adjudicate claims assigned… From Sterling Life Insurance Company – 22 Jun 2012 21:58:35 GMT – View all Bellingham jobs
Source: washingtonjobdaddy.com

Show Me Progress:: The presidential debate: President Obama on the Romney/Ryan (r) Medicare voucher plan

In general, “lies” isn’t exactly the right word for what Romney threw out last night. I like the term “confabulation” because they were sound-good statements that were mainly unrelated to the positions that he’s been running on for the last 18 months. When these get unpacked, the DC press will finally realize that Romney spit out a bunch of shiny, nice sounding nothings. Unlike the primary debates, which are basically beauty contests, the Presidential debates get analyzed to death. There’s more than a day of “who gaffed the most”, “who looked the best”. Romney clearly is winning that part of the cycle. The next part, the part that never happened last Winter and this Spring, is “what did these guys actually say”. And on that score, Romney lost. You can’t make up a whole Presidential campaign in two weeks of debate prep, and that’s what he did. 543,895 votes
Source: showmeprogress.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

Medicare in Indiana made simple and easy from HealthCareInsuranceServices.com

Market Press Release

Growth of electronic medical records eases path to inflated bills

Posted by:  :  Category: Medicare

Healthcare solution >> more doctors by / // /Community Health Systems, Inc., which owns and operates some 130 hospitals in more than two-dozen states, told investors in April 2011 that HHS was investigating “possible improper claims.” The subpoena requested documents concerning use of the Pro-Med software in emergency rooms, according to the SEC filing. Tomi Galin, Community Health Systems’ vice-president for corporate communications, said at the chain’s hospitals the software does not order tests or “make any recommendation to physicians about whether to admit patients, place patients in observation or discharge patients.”
Source: publicintegrity.org

Video: Medicare Billing www.AcuServeCorp.com Medicare Billing Specialist- ACU Serve

Medicare Unit Indicts 91 People for $429M in Alleged False Billing

HHS and the Department of Justice announced its Medicare Fraud Strike Force has charged 91 people — ranging from hospital administrators to physicians — for allegedly billing Medicare for $429.2 million in false claims. The alleged activity occurred in seven different cities: Baton Rouge, La., Brooklyn, N.Y., Chicago, Dallas, Houston, Los Angeles and Miami. In total, more than $230 million was related to home healthcare fraud, $100 million to mental healthcare fraud and roughly $49 million to ambulance transportation fraud, among other areas. One fraud scheme allegedly involved a hospital in Houston. Earnest Gibson III, CEO of Riverside General Hospital, his son and five others were charged with fraudulently billing $158 million for community mental health center services. Mr. Gibson and others allegedly paid kickbacks in the form of cigarettes, food and coupons to Medicare beneficiaries in exchange for those beneficiaries’ participation at RGH’s partial hospitalization program. The beneficiaries allegedly watched television and played games instead of receiving services for which the hospital billed Medicare. This is not the first time RGH has been in the spotlight for healthcare fraud. In February, former Assistant Administrator Mohammad Khan pleaded guilty to a $116 million kickback scheme, which also involved submitting false claims for PHP services. For a full list of the federal government’s indictments, click here.
Source: beckershospitalreview.com

Medicare Billing on the Rise: Dishonest Doctors or More Efficient Billing?

Some critics argue that EMR technology is at fault, making it easier for doctors to commit billing fraud. However, EMR software actually makes it easier for auditors to spot instances of fraud since documentation can be tracked more easily electronically than with paper records. The reality of the situation is that many physicians might not have been billing accurately for Medicare services in the past; and the coding assistance feature in many EMRs is changing that.
Source: meaningfulusenetwork.com

Physical Therapy Software: Billing Medicare

Medicare is the standard setter for payers throughout the country and they seem to always be changing and evolving the way that they pay therapists. One question that comes to mind is how can you effectively bill Medicare while still keeping the flow of your system quick and easy to understand? As Medicare creates new rules and gets them set into place, other insurances are quick to follow, so it is necessary to understand how to bill Medicare in the early going or you risk the chance of being left behind. The big question that you need to ask is how can my practice management system help me bill Medicare properly?
Source: rehabsoftware.com

Feds charge 91 people in $430 million Medicare fraud

“Today’s enforcement actions reveal an alarming and unacceptable trend of individuals attempting to exploit federal health care programs to steal billions in taxpayer dollars for personal gain,” Attorney General Eric Holder said in a statement.  “Such activities not only siphon precious taxpayer resources, drive up health care costs, and jeopardize the strength of the Medicare program – they also disproportionately victimize the most vulnerable members of society, including elderly, disabled and impoverished Americans.”
Source: insidecounsel.com

Medicare Fraud Strike Force Charges 91 People With Improper Billing

This type of fraud has been taking place for many, many years. I worked on such cases over 10 years ago with a fraud unit at a Califonia based not-for-profit health plan who was working with the FBI and the Inspector General for what is now CMS. The current administration is trying to make us believe that the discovery and charges against these individuals occurred as a result of Obamacare. That is simply not factual.
Source: californiahealthline.org

HHS DOJ Letter on Improper Medicare Billing

On September 24, 2012, the Department of Health and Human Services (HHS) and the Department of Justice (DOJ) issued a letter concerning improper Medicare billing to the following hospital organizations; American Hospital Association, Federation of American Hospitals, Association of Academic Health Centers, Association of American Medical Colleges and the National Association of Public Hospitals and Health Systems.  Electronic health records have the potential to save both money and lives, but the HHS and the DOJ have discovered indications that providers are utilizing the new technology in order obtain payments for which they are not entitled.  The false documentation of care issues that they addressed are as follows:
Source: hchealthcareconsultingllc.com

Health IT is an essential element to transform the Nation’s healthcare system

This graphic shows how US civilian hospitals have, since the first incentive payments were made in second quarter, 2011, matured in their use of health IT.  There are fewer hospitals in the early stages (0-3) and more hospitals in Stages 4-7.  Healthcare providers are adopting certified EHRs and using them for meaningful purposes; thus, achieving Congressional intent to improve the quality, safety, and cost-effectiveness of care in U.S.  Even more significantly, the HIMSS Electronic Medical Record Adoption Model (EMRAM) Stage 6 and Stage 7 hospitals reflects a highly-robust representation of the move of U.S. hospitals toward interoperability leading to information exchange.
Source: himss.org

Daily Kos: The Obama Administration uncovered $430 million in Medicare fraud in a single bust yesterday

Grassroots Mom, Ed in Montana, Sylv, Alma, Terri, Chi, filkertom, grollen, teacherken, Geenius at Wrok, dfarrah, artr2, TrueBlueMajority, NYmom, BigOkie, RunawayRose, bosdcla14, Emerson, dengre, billlaurelMD, cotterperson, hyperstation, OLinda, LynnS, jdld, eeff, TX Unmuzzled, LeftHandedMan, frisco, Matilda, bethcf4p, exNYinTX, Creosote, davelf2, Bugsby, eyeswideopen, tyler93023, concernedamerican, missLotus, litho, cyberKosFan, wonkydonkey, Loquatrix, CoolOnion, barath, khloemi, samddobermann, Voter123, itskevin, jalbert, Terre, Cedwyn, CocoaLove, aitchdee, revsue, Serendipity, Texknight, SneakySnu, ammaloy, psnyder, Nag, NYC Sophia, Lawrence, Noodles, yet another liberal, katchen, defluxion10, lcrp, Liberaljentaps, kismet, walkshills, zerelda, KayCeSF, tomjones, xyz, Emmy, Nova Land, Josiah Bartlett, Sybil Liberty, Sassy, Gowrie Gal, rapala, maybeeso in michigan, bloomer 101, Tinfoil Hat, Jeffersonian Democrat, Ckntfld, v2aggie2, subtropolis, democracy inaction, OpherGopher, kitchen sink think tank, Bcre8ve, basquebob, Brooke In Seattle, Gary Norton, fixxit, eru, owlbear1, Beetwasher, LNK, majcmb1, SaraBeth, Frank Palmer, Sun Tzu, uato carabau, SBandini, Savvy813, sodalis, DFJtoo, peacestpete, WayBeyondSoccerMom, kathny, xaxnar, Jim R, begone, reddbierd, Tranny, martini, third Party please, Shirl In Idaho, Patriot Daily News Clearinghouse, myboo, hungrycoyote, Naranjadia, Russgirl, cookseytalbott, seefleur, Dvalkure, sleipner, KenBee, deha, VictorLaszlo, blueoasis, 4Freedom, real world chick, CTLiberal, middleagedhousewife, hlsmlane, Pilgrim X, blue in NC, democracy is coming, CA Nana, geekydee, Stripe, blueoregon, kurt, bstotts, Temmoku, markthshark, Nulwee, AntKat, DBunn, ladypockt, Sapere aude, john07801, Cronesense, byDesign, drmah, FWIW, bfbenn, Wino, jeanette0605, Matt Z, terabytes, mdcalifornia, SeaTurtle, Librarianmom, Wreck Smurfy, uciguy30, GeorgeXVIII, Timmethy, BasharH, TomP, Empower Ink, jwinIL14, mconvente, TX Freethinker, JaxDem, angry hopeful liberal, ScottyUrb, Cordwainer, OleHippieChick, Sixty Something, Youffraita, elwior, Akonitum, jamess, mikeconwell, beltane, monkeybrainpolitics, Lujane, TomFromNJ, tofumagoo, royce, Ocelopotamus, Haplogroup V, smartdemmg, bluesheep, catly, WoodlandsPerson, mofembot, petulans, luckylizard, JamieG from Md, sagansong, ekyprogressive, Ellinorianne, DavidW, Diogenes2008, prettygirlxoxoxo, Bule Betawi, DontTaseMeBro, litoralis, greengemini, divineorder, banjolele, CanyonWren, Nebraskablue, maryabein, Gorilla in the room, susanWAstate, WakeUpNeo, socal altvibe, DefendOurConstitution, MKSinSA, papahaha, igwealth5tm, hyper, Denise Oliver Velez, Keith Pickering, Dark UltraValia, sfarkash, 57andFemale, DaNang65, haremoor, jfromga, nancat357, MizKit, astral66, TM, jpmassar, LookingUp, Words In Action, Contra, Lefty Ladig, BlueOak, Railfan, Amber6541, Just Bob, CalGal47, coppercelt, mamamorgaine, henlesloop, awcomeon, marabout40, Laurilei, flitedocnm, NJpeach, estreya, breathe67, gramofsam1, cindiloohoo, secret38b, Orlaine, VickiL, womankind, Eddie L, ipaman, cordgrass, gulfgal98, loveistheanswer, ItsSimpleSimon, Puddytat, dlemex, naka, Kristina40, orlbucfan, Rainefenix, ericlewis0, Floande, eclecta, wwjjd, Quantumlogic, Onomastic, Jane Lew, Mike08, Barbara Marquardt, kerflooey, Hill Jill, mama jo, ozsea1, spooks51, Bob Duck, nervousnellie, afisher, jardin32, vahana, Amayi, Susipsych, BlackQueen40, itzik shpitzik, lexalou, mikejay611, near mrs, BirdMom, CoExistNow, molunkusmol, boomerchick, marleycat, PorridgeGun, zukesgirl64, sethtriggs, Cinnamon Rollover, Icarus Diving, thomask, rk2, floridablue, Grandma Susie, IB JOHN, createpeace, worldlotus, Fire bad tree pretty, RMForbes, enhydra lutris, MuskokaGord, antooo, bluedust, poliwrangler, Wood Dragon, VTCC73, Caddis Fly, old mark, Marihilda, Vatexia, hobie1616, SteelerGrrl, Catlady62, googie, Auriandra, ParkRanger, allergywoman, AnnetteK, Only Needs a Beat, stormicats, KiB, Barbie02360, Catskill Julie, Invictus88, Siri, Citizenpower, lurkyloo, IndieGuy, ahumbleopinion, Hopefruit2, S F Hippie, a2nite, AreDeutz, 2thanks, congenitalefty, shanesnana, peachcreek, belinda ridgewood, radical simplicity, doroma, Buckeye54, james321, Spirit of Life, dotdash2u, George3, fauve, Bisbonian, Adam AZ, Ron Ebest, ShoshannaD, BobTheHappyDinosaur, nuclear winter solstice, nomandates, DamselleFly, Sam Sara, Late Again, remembrance, Neapolitan, poopdogcomedy, LiberalSage, gotmooned, Dewstino, Homer177, Constantly Amazed, northerntier, helpImdrowning, Smoh, tampaedski, chicklet, Jim Domenico, workingclasszero, OregonWetDog, grubber
Source: dailykos.com

The Use of Electronic Health Records Is Increasing Medicare Billing: Is It Also Increasing the Amount of Care Physicians Provide?

Yet by focusing doctors on a particular checklist of items, EHR systems could also prevent physicians from considering problems that aren’t on the list. Standardization in medical practice is not always a good thing; today’s fringe treatment may be tomorrow’s gold standard. This type of standardization may be particularly unwise if it is done in the context of EHR systems, which may be focused on recording data that is important for billing or care coordination purposes rather than on reminding doctors about best practices. If this is the case, EHR systems may be nudging doctors to provide unnecessary care, which is the last thing our overburdened health care system needs. If EHR systems are actually changing the way doctors practice by providing standardized checklists and reminders, EHRs should be created with quality of care in mind.
Source: harvard.edu

Daily Kos: Feds charge 91 people in $430 million Medicare fraud scheme

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Source: dailykos.com

2011 Medicare Premiums, Deductibles and Coinsurance Rates For Part B (Medical Insurance) and Part A (Hospital Insurance)

Posted by:  :  Category: Medicare

Benefits also will become richer under the Part D prescription-drug program. Currently, these privately managed plans cover 75% of a participant’s drug costs — up to a limit that will rise to $2,840 in 2011. After that, participants fall into a “doughnut hole” gap where they are required to pay 100% of their drug costs until expenditures reach $6,440. Then catastrophic coverage kicks in, capping outlays at 5%. Under the health-care overhaul, the estimated 14% of Part D participants who fall into this coverage gap will start to receive discounts that will reduce the amount they pay — from 100% in 2010 to 50% for brand-name drugs and 93% for generics in 2011.
Source: savingtoinvest.com

Video: Medicare Supplement plan F High Deductible Explanation

Medicare Part B Premium 2011 and 2012: Are Costs On The Rise?

Your Medicare Part B Premium is taken out of your social security check, usually on a monthly basis. If you can not afford to carry Medicare Part B agencies are available to assist you. They are: Medicaid, Supplemental Security Income, Qualified Medicare Beneficiary (QMB) Program, Specified Low-Income Medicare Beneficiary (SLMB) Program or theQualifying Individual (QI) Program. You can still be accepted even if your income is above the qualifying income limits.
Source: seniorcorps.org

Medicare Announces 2011 Deductible and Coinsurance Rates

Last week, Medicare announced on CMS.gov in a fact sheet titled “Medicare Premiums, Deductibles for 2011″. This fact sheet gives detailed information on the increases to the yearly premium and deductible Medicare patients will have to face in the coming year.
Source: about.com

2012 Medicare Deductible Amounts

One such Medigap option available for purchase is Plan G.  Plan G covers everything that Plan F does except for the Part B deductible.  If Plan G happened to be $300 less (as can be the case) per year than Plan F and Plan F only covers $140 more in costs, then Plan G is a wise choice.  Plan N might also fall into this category if you live in a state (Ohio for instance) that does not allow for Part B Excess charges.
Source: ohioinsureplan.com

Medicare Premiums, Deductibles and Coinsurance for 2011

Medicare Part A hospital coinsurance. For the first 60 days of a hospital inpatient stay, the patient pays no daily coinsurance under Medicare Part A. For days 61 through 90 of hospitalization during any one benefit period, the patient is personally responsible for $283 per day. For days 91 through 150 of hospitalization, the patient is personally responsible for $566 per day. (These daily coinsurance amounts might be covered by a Medigap supplemental insurance policy, a Medicare Part C Medicare Advantage plan, or employment-related private health insurance.
Source: caring.com

Health insurance deduction: Self

[…] […] […] […] […] […] […] […] Prior to 2010, the IRS instructions for Form 1040 specifically said, “Medicare premiums cannot be used to figure the [self-employed health insurance] deduction.” For 2010 and 2011, the instructions were changed to say, “Medicare Part B premiums can be used to figure the deduction.” Now the IRS has clarified that all Medicare premiums qualify for the deduction.Source: bvcocpas.com […]Source: bvcocpas.com […]Source: bvcocpas.com […]Source: bvcocpas.com […]Source: bvcocpas.com […]Source: bvcocpas.com […]Source: bvcocpas.com […]Source: bvcocpas.com […]
Source: bvcocpas.com

2013 Obamacare changes that impact your wallet

The tax-free status of the drug subsidy was originally intended to encourage employers that provided prescription benefits to their retirees to continue to do so upon the enactment of Part D under Medicare and thus to avoid shifting costs to the government. This change under Obamacare does the opposite, it virtually assures that employers will drop or change their retiree coverage thereby shifting prescription drug costs to Medicare. Many employers are switching to self-funded Medicare Part D plans known as Employer Group Waiver Plans. This move saves employers money by avoiding the new tax, but also reduces their accounting liability because now their plan is eligible for direct Medicare subsidies for each beneficiary just like any other commercial Part D plan. For some employers this is an interim step on the way to eliminating prescription coverage altogether. By moving to a private Part D plan employers subject their higher income retirees to the income based Medicare premiums for their prescription coverage in addition to what the employer may charge.
Source: quinnscommentary.com

MA & Part D Plan Seek Reimbursement Regardless of State Law

Posted by:  :  Category: Medicare

MA and Part D Plans are private insurers that enter into contracts with the Center for Medicare and Medicaid Services (“CMS”).  CMS pays these insurers to provide the same benefits to the enrollee that he/she would receive under traditional Medicare.   The Medicare Advantage statutes incorporate many of the MSP provisions into the MA organization connect.    In short, MA and Part D Plans may bill the responsible insurance carrier for their services; or the individual beneficiary when responsibility is demonstrated by way of settlement, judgment or award.  See 47 U.S.C. §1395w-22(a)(4).  Claims arising under the Medicare Act, are available for judicial review only after the Secretary renders a ‘final decision’ on the claim in the same manner as provided in 42 U.S.C. §405(g).   Even though the law appears at first blush to apply this jurisdictional bar over actions against the U.S., the Secretary or any employee thereof, courts have consistently applied the exhaustion bar to MA and Part D Plans as well.  Plaintiffs do not dispute this fact, but instead argue their claims do not arise under the Medicare Act as it is not a “request for determination of benefits nor a challenge to the denial of benefits”, but rather a challenge to the MA and Part D Plans invocation of a contractual right barred under the NY General Obligations Law.   The Court disagreed, citing the position as inapposite to the question of whether an enrollee’s claims concerning MSP reimbursement rights under the Medicare Act require exhaustion of administrative remedies before judicial review.   Citing a long line of cases requiring exhaustion, the Court ruled against jurisdiction.
Source: francosignor.com

Video: BSN Headline News for February 14, 2011

Birdseye Financial, LLC: 2013 MEDICARE (Open Enrollment)

 No. You remain in the Medicare system and the advantage of enrolling in a Medicare Advantage Plan is the insurance company becomes your primary payer of healthcare.  When coverage is effective with an Medicare Advantage Company, simply use the ID card you are mailed (not your red, white and blue Medicare card) and present it to contracted Health providers.  If for any reason, you are not happy with chosen Medicare Advantage Company, you always have the option to revert back to Original Medicare during either the Annual Enrollment Period (AEP) which is October 15th to December 7th or the Annual Disenrollment Period (ADP) from January 1st to February 14th.
Source: blogspot.com

Munich Re agrees to terms for acquisition of Windsor Health Group, Inc.

Munich Re stands for exceptional solution-based expertise, consistent risk management, financial stability and client proximity. This is how Munich Re creates value for clients, shareholders and staff. In the financial year 2009, the Group – which pursues an integrated business model consisting of insurance and reinsurance – achieved a profit of €2.56bn on premium income of around €41bn. It operates in all lines of insurance, with around 47,000 employees throughout the world. With premium income of around €25bn from reinsurance alone, it is one of the world’s leading reinsurers. Especially when clients require solutions for complex risks, Munich Re is a much sought-after risk carrier. The primary insurance operations are mainly concentrated in the ERGO Insurance Group. With premium income of over €17bn, ERGO is one of the largest insurance groups in Germany and Europe. 40 million clients in over 30 countries place their trust in the services and security it provides. In international healthcare business, Munich Re pools its insurance and reinsurance operations, as well as related services, under the Munich Health brand. Munich Re’s global investments amounting to €182bn are managed by MEAG, which also makes its competence available to private and institutional investors outside the Group.
Source: munichre.com

Health Dept. IG Says Six Medicare Advantage Insurers Broke Rules

Health New Florida: “A multinational company and two members of the Fortune 500 were named among six insurers found in violation of Medicare marketing rules when federal inspectors checked their books and sat in on presentations as ‘secret shoppers,’ documents show.” The three big firms were Aetna, Universal American Corp and Munich American Holding Corp.’s Sterling Insurance. The six plans insure more than 1 million beneficiaries through the Medicare Advantage program. The Office of the Inspector General for the federal health department targeted these and three other firms because of complaints. The six firms’ violations include paying sales agents more than is allowed and offering “inappropriate” incentives to outside marketing firms. Sterling allegedly used “unqualified” sales agents, the company’s only listed violation. The report says other companies that were not examined are likely behaving in the same ways (Gentry, 3/31).
Source: kaiserhealthnews.org

Rockwall doctor charged again in huge Medicare, Medicaid fraud case

Posted by:  :  Category: Medicare

ILGWU senior female members and retirees holding placards urging "fair play for the aged", "hands off social security", "don't mess with medicare", "keep your promises Mr. President", and more. by Kheel Center, Cornell UniversityThe operation was discovered by a woman who worked for a home health agency, who told federal prosecutors that she noticed something was wrong when she went to the office of Dr. Jacques Roy. She said Roy and her employer were fraudulently billing Medicare for home health care. In some cases, the patients had passed away. The FBI had the whistleblower and other office workers wear microphones.
Source: therockwallnews.com

Video: A Short History on Medicare

Daily Kos: The Obama Administration uncovered $430 million in Medicare fraud in a single bust yesterday

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Source: dailykos.com

WASHINGTON: Senate race ads focus on Medicare, Obamacare, debt

The Rehberg camp wrote a script within the hour and cut the ad that afternoon. It spent more than $100,000 to air the ads during the Republican and Democratic conventions. The more Montana voters associate Tester with Obama, the more likely he is to lose because of the president’s low favorability ratings. The ads’ effectiveness, Iverson said, is evident in campaign’s internal polling. In February, only 1 of 5 voters surveyed by the campaign answered that Tester voted with Obama’s position more than 90 percent of the time. Now, more than half do. Rehberg wins handily with that group of voters.
Source: heraldonline.com

Hospitals’ Medicare funds at risk

“Changing the way we pay hospitals will improve the quality of care for seniors and save money for all of us,” said U.S. Department of Health and Human Services Secretary Kathleen Sebelius in a press release when the agency launched the initiative last year. “Medicare will reward hospitals that provide high-quality care and keep their patients healthy. It’s an important part of our work to improve the health of our nation and drive down costs. As hospitals work to improve their performance on these measures, all patients – not just Medicare patients – will benefit.”
Source: thenewyorkworld.com

Crackdown on $430 Million Medicare Theft

“Today’s arrests put criminals on notice that we are cracking down hard on people who want to steal from Medicare,” Sebelius said at the press conference. “The health care law gives us new tools to better fight fraud and make Medicare stronger. In addition to the arrests made today, HHS used new authority from the health care law to stop future payments to many of the health care providers suspected of fraud, saving Medicare resources and taxpayer dollars from being lost to fraud in the first place.”
Source: theepochtimes.com

Today in labor and people’s history: Medicare and Medicaid established

On July 30, 1965, President Lyndon Johnson signed legislation establishing Medicare and Medicaid. It came after decades of struggle. The movement for national health insurance dates back to the struggles of the Great Depression of the 1920s and ’30s, and the New Deal. It was strongly opposed by the medical establishment, including the American Medical Association. A key turning point, according to historian Peter Corning, came in 1957 when the executive council of the AFL-CIO committed the labor federation to an “all-out battle for government health insurance.” “Government health insurance was pressed as labor’s number-one legislative priority, and organized labor became the rallying point for all those who favored the measure,” Corning wrote. Medicare and Medicaid were signed into law in 1965 as an amendment to the Social Security Act of 1935. Medicare provided hospital and medical insurance for Americans age 65 or older. In 1972, eligibility for Medicare was extended to people under 65 with certain disabilities, and people of all ages with kidney disease requiring dialysis or transplant. Medicaid, a state and federally funded program, offers health coverage to low-income people. Some 19 million people enrolled in Medicare when it went into effect in 1966. By 2010, Medicare provided health insurance to 48 million Americans – 40 million people age 65 and older and 8 million younger people with disabilities. Medicare and Medicaid serve a large population of seniors, sick, disabled, and low-income people, most of whom would be unable to afford health care otherwise. Photo: President Lyndon Johnson (right), Secretary of Health, Education and Welfare John Gardner (second from left) and Social Security Administration Commissioner Bob Ball (left) received the first Medicare Part B application from a member of the general public, Tony Palcaorolla of Baltimore, Md., (next to President Johnson), Sept. 1, 1965. SSA History Archives
Source: peoplesworld.org

Romney’s Medicare plan raises cost questions

Posted by:  :  Category: Medicare

Cynthia Markus, Ingrid McDonald, and Diana Birkett discuss Medicare at the KUOW Studios by kuow949In an earlier blog post rebutting Democratic critics of Romney’s Medicare proposal, his campaign policy director Lanhee Chen made an indirect reference to the candidate’s belief that costs can be controlled without spending limits. “Gov. Romney has proposed no cap on premium support in his own plan,” Chen wrote, providing no additional detail.
Source: seattletimes.com

Video: Romney’s Medicare Program = Disaster

Most Medicare patients don’t understand the program

Knowing whether they could use the doctors and hospitals they prefered to use was the most important thing they wanted to know when making decisions about Medicare coverage, the survey found. They also cited benefits and services covered; an estimate on out-of-pocket expenses based on coverage choices; and cost of deductibles, co-payments, coinsurance and premiums. Cost and quality of plans were only the most important takeaway to less than 5 percent of Medicare patients.
Source: benefitspro.com

Program offered seniors info on ‘Medicare 101′

A large number of North Carolina “Baby Boomers” are now turning age 65. Those consumers can receive information on Medicare eligibility from the Social Security Administration. After becoming eligible, consumers can receive Medicare information in several ways. They can make an appointment with a SHIIP counselor at Rufty-Holmes. Consumers can also access the SHIIP website at: www.ncshiip.com or they may speak with a trained SHIIP counselor at 1-800-443-9354.
Source: salisburypost.com

Daily Kos: What the real Romney plan would do to Medicare

We counted the ways in which Mitt Romney lied about President Obama’s Medicare plan. Let’s take a look at his raft of lies about his own plans. What I support is no change for current retirees and near-retirees to Medicare and the president supports taking $716 billion out of that program. […] Yeah, that’s a lie. Probably the biggest. By repealing Obamacare, Romney would hurt current retirees in a number of ways: seniors would again have to co-pay for preventive health services that are now free; the prescription drug donut hole would open back up, exposing some seniors to much higher drug costs; “restoring” the $716 billion in provider cuts under Obamacare would make Medicare—which current retirees are relying on—insolvent in just four years. Number two is for people coming along that are young. What I’d do to make sure that we can keep Medicare in place for them is to allow them either to choose the current Medicare program or a private plan — their choice. They get to — and they’ll have at least two plans that will be entirely at no cost to them. So they don’t have to pay additional money, no additional $6,000. That’s not going to happen. […] Okay, maybe this one is the biggest. That’s his voucher program. If you take a Romneyesque approach to the truth, you could call that one partially true, because analysis of the Romney/Ryan plan—the current plan—says that people retiring in 2023 will only have to pay an additional $3,200. But from there on? Yikes.
Source: dailykos.com

Romney Explains His Medicare Plan

Mitt Romney responded to a question from moderator Jim Lehrer on whether he supports replacing Medicare with a “voucher program,” saying he believes in a two-point plan: maintaining Medicare for current seniors but allowing young Americans to opt for a private plan when they become seniors.
Source: talkingpointsmemo.com

Westlaw Insider | Blog | New Medicare Shared Savings program likely to create conflict for physicians: Impact on malpractice?

Ferd H. Mitchell’s university faculty career includes teaching, researching and publishing in technical, management and health care disciplines. He has served as an academic administrator for a medical school, where he was director of a master’s degree program, and as vice-president of a company operating a contracted-out Medicaid program. He has performed numerous health care studies for federal and state governments. Ferd received a fellowship from the Japan Foundation to present a series of lectures in Japan on the U.S. health care system. He also participated, as the only U.S. representative, in a European study group developing new approaches to meeting the health care needs of the elderly.
Source: westlawinsider.com

Seniors satisfied with Medicare prescription drug program

With 90 percent beneficiary satisfaction and average monthly premiums remaining virtually unchanged over the past three years, Medicare Part D is working for seniors and helping our government control costs by reducing healthcare system spending. More than 40 million people with Medicare (90 percent of all beneficiaries) now have the option of comprehensive prescription drug coverage, which helps provide high-quality and high-value healthcare for America’s seniors.
Source: azhealthconnections.com

Poll: Younger Americans More Receptive Than Seniors To GOP Medicare Plan

Only 37 percent say that the program should be changed to a “premium support” system in which the government provides beneficiaries with a fixed amount of money to buy coverage, either from traditional Medicare or private insurers, the poll by the Kaiser Family Foundation found. (KHN is an editorially independent part of the foundation.) Fifty-five percent support keeping Medicare as it is today, with a guaranteed set of health benefits. Only a quarter of Americans aged 55 or older want the program to change, and even a majority of older Republicans opposed the proposal backed by the GOP-controlled House.
Source: kaiserhealthnews.org

Transcript: Debate excerpts

Affordable Care Act American dream budget Charlotte Congress deficit Democratic Democratic National Committee Democratic National Convention Democratic Party Democrats DNC drastic budget cuts economic crisis economic interests economic recovery economy election election 2012 federal debt federal deficit GOP government spending health care health insurance jobs Medicare middle-class military Mitt Romney national debt North Carolina Obamacare Paul Ryan political campaigns President Barack Obama presidential election 2012 reduce deficit Republican Republican Party Republicans tax U.S. United States US Senate
Source: whatthefolly.com

Daily Kos: Medicare plan tanks Romney’s campaign in critical swing states

But that’s a shrinking percentage of those that are tuning in to this election cycle. Somehow, they are not dominating the narrative this time around. Enough to make you wonder if Murderdoch has some kind of problem with Rmoney (or is trying to stall off Obama’s DoJ). I don’t know if it’s just because Rmoney is such an unsympathetic personality, running so badly, or if Obama’s team have really mastered working a mostly hostile media machine, but this time around Conventional Wisdom of the past several cycles is right out the window. Corporate Media is not able to make the Republicans look good, HUGE money is not selling their product, especially the Top-o’th’Ticket. High unemployment and a still uncomfortable economy are not seeming to work against the Incumbent this time and of course, the GOP strategy of obstruction and blame the gridlock on Obama, none of that is working as they envisioned.
Source: dailykos.com

WASHINGTON: Senate race ads focus on Medicare, Obamacare, debt

The Rehberg camp wrote a script within the hour and cut the ad that afternoon. It spent more than $100,000 to air the ads during the Republican and Democratic conventions. The more Montana voters associate Tester with Obama, the more likely he is to lose because of the president’s low favorability ratings. The ads’ effectiveness, Iverson said, is evident in campaign’s internal polling. In February, only 1 of 5 voters surveyed by the campaign answered that Tester voted with Obama’s position more than 90 percent of the time. Now, more than half do. Rehberg wins handily with that group of voters.
Source: heraldonline.com