Daily Kos: What I Keep Not Hearing About Medicare

Posted by:  :  Category: Medicare

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Source: dailykos.com

Video: Differences between Medicare PPO & HMO Plans

United Healthcare Medicare plans

As an example, United Healthcare Medicare HMO plans are super easy to utilize and comprehend. Simply pay out a set fee whenever you will need healthcare providers. You understand upfront precisely what the expenses will be and are not surprised by a huge physician’s expenses. An HMO plan charge you a collection price with an doctor office visit, emergency room go to, and hospital stay. The particular fees are generally under you’d probably pay using conventional Medicare health insurance insurance coverage. The sole probable issue with the HMO program’s you need to utilize physicians inside community until you need crisis attention. If you are using a doctor outside of the system, you should spend entire out-of-pocket price.
Source: blogspot.com

Kaiser Permanente’s Medicare Plans Earn Top NCQA Health Insurance Rankings for 2012

About Kaiser Permanente Kaiser Permanente is committed to helping shape the future of health care. We are recognized as one of America’s leading health care providers and not-for-profit health plans. Founded in 1945, our mission is to provide high-quality, affordable health care services and to improve the health of our members and the communities we serve. We currently serve more than 9 million members in nine states and the District of Columbia. Care for members and patients is focused on their total health and guided by their personal physicians, specialists and team of caregivers. Our expert and caring medical teams are empowered and supported by industry-leading technology advances and tools for health promotion, disease prevention, state-of-the-art care delivery and world-class chronic disease management. Kaiser Permanente is dedicated to care innovations, clinical research, health education and the support of community health. For more information, go to: www.kp.org/newscenter.
Source: kp.org

What Exactly Are Medicare HMO Plans?

Medicare HMO plans are going to be Medicare Advantage Plans or Medicare Part C plans. Efforts are totally diverse from Original Medicare. If you join a Medicare HMO plan you do have to know about the network of physicians and facilities that this HMO plan is contracted with. If you see a provider not in the HMO network, the HMO insurance is not going to pay for the bill. With Medicare HMO plans you should be in the network at all times with the exception of emergency and urgent care when traveling. Medicare HMO plans also require a referral in most cases to determine an experienced professional. There are a few exceptions for this rule, although not many. Finally, efforts also usually require authorizations for the majority of procedures and dear model drugs. About the positive side, you will see that you are going to typically reduce premium and co-pays when you have a Medicare HMO plan which is the reason many Medicare beneficiaries see them so attractive.
Source: mybodybyvi.com

Things to Consider When Applying For Medicare

Medicare is a socialized form of health insurance used by some countries. This usually works by taxing or deducting a certain portion of an individual’s wages, salary, or income and then applying it to a fund that is governed by a governmental or quasi governmental body. This article endeavors to provide basic guidelines to individuals who want to apply for Medicare. The first and most important step is to read several materials regarding Medicare. This can be taken online or by asking your employer or H.R. personnel. Materials can also be taken from the nearest Medicare office. After reading thru the material decide on the following issues: 1. What plan or plans do you intend to avail of. There are 4 basic plans to choose from but these plans can be mixed and matched. a. Part A: Hospital Insurance or in patient care b. Part B: Medical Insurance or outpatient care c. Part C: Medicare Advantage plans like HMO or PPO plans d. Part D: Prescription Drug plans which covers prescription medication Depending n the parts availed of Medicare costs can increase and decrease. Take into consideration your finances, health, other insurance coverage and job environment then decide which parts to include. For example, if you already have a comparative or higher HMO coverage then there is no need to take out a Part C Medicare plan. However if the Part C coverage that can be availed of is higher then decide if the additional costs is worth it for you. 2. Insurer: if you are an employee, especially if you are electing to take out a part c Medicare coverage then it would also be best to look into the supplemental Medicare insurer. Make sure check the number of accredited hospitals, medical professionals and procedures within your locality. They should be unlimited. 3. Ask questions: Make sure to ask for the appropriate contact number to answer any questions you might have regarding the plan. While it is important to read thru the materials it would be best if you can talk to a person to explain difficult concepts. Out of Pocket Expenses As a general rule when you apply for Medicare Part A and/or Part B you need to pay additional premiums to be paid by the individual. Now consider alternative HMO and/ or PPO providers. For example, If Mr. A is supposed to pay $100 monthly for Medicare will only pay $90 for a superior HMO policy then it would be in the best interest of Mr. A to just avail of the HMO. Application Proper There are two ways to apply for Medicare. The first is to call the social security service in your locality and be guided by a representative every step of the way. The second option is to go to the office of the local social security service and fill out the appropriate paperwork. Find the listing as well as the phone number and even the website on the yellow pages or on the internet. After that just wait for the paperwork to be processed. If you are looking for the best medicare advantage and medicare coverage, visit our site for more tips and information. Contact us for free medicare advice. If you are looking for the best http://www.medicarerep.com/ medicare advantage and http://www.medicarerep.com/ medicare coverage, visit our site for more tips and information. Contact us for free medicare advice.
Source: abcarticledirectory.com

In Focus: Aetna Plans for IBM Retirees Available through Retiree Health Access®

Some Aetna plan options provide secondary coverage to Original Medicare for medical benefits only. Other Aetna plan options offer medical and pharmacy benefits. Some of these plan options are available at no cost for retirees and couples.
Source: wordpress.com

Faultline USA: Breaking: Medicare Supplemental Insurance Premiums Skyrocketing

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSWhen Billy signed on with United Mutual of Omaha, in August of 2010, the monthly premium was $92.26. In August of 2011, his anniversary date with the policy, the premium increased to $101.49, a 10% increase which was not necessarily unexpected since at that time overall medical costs were supposedly rising at about 9% per year.
Source: blogspot.com

Video: Compare Medicare Supplement Plans | Supplemental Medicare Insurance

Florida Exclusive Medicare Supplement Leads Now Available from Benepath

With a business boost using Florida Medicare supplement leads, an insurance agent helps seniors stay healthy. “These days, Florida Medicare supplement leads are hot items. The nation is graying, and baby boomers have come to a transition point in their lives where they now qualify for Medicare, and also need Medicare supplements to fill in the gaps. It’s a captive market, in that health insurance protects a senior’s most precious asset – their health,” indicated Clelland Green, RHU, CEO, and president of benepath.net, Pennsylvania. Insurance agents working this niche, and buying Florida Medicare supplement leads, are aware that many, but not all, seniors have reached a point in their lives where they are more financially comfortable; a result of saving all their lives. Provided they are not spending their cash reserves on nursing home care, they are relatively well off. In reality, they likely also paid relatively little for their house, compared to today’s market. Many seniors still own their own homes, fully paid for and mortgage free. “While they are still paying property taxes, gone are the days of handing out cash to pay off their mortgage. What was once a $45,000 home may now be worth $450,000, and although their money is tied up in the house, they may have fewer expenses, which simply means they may have more on hand to buy Medicare supplements,” suggested Green. The beauty of using Florida Medicare supplement leads is the opportunity it provides for insurance agents to sell a worthwhile product that helps their customers. Most seniors want to protect their assets, particularly after a lifetime of working for them. “Protecting their health is a vital consideration for them, and if you have the right Medicare supplement products, you will be able to sell them. One distinct benefit is Medicare supplements take care of co-payments; a significant issue for seniors, should they become ill,” Green added. Choose a lead generation company with a sterling reputation, and order exclusive Florida Medicare supplement leads for the best return on the investment of business dollars. Even though running an insurance agency is a business, many agents are in this line of work because they genuinely want to help others and see them stay healthy. To that end, many agents also offer seniors long-term care insurance, final expense insurance and a variety of financial planning options. Insurance these days is pro-active and aimed at bettering the lives of clients. To learn more, visit http://www.benepath.net
Source: sbwire.com

Comprehensive Guide to Medicare Supplemental Insurance

CMMS 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

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

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

Medicare Supplemental insurance can save you money

When you are buying a medicare supplement, make sure to get plenty of quotes from different insurance brokers. All medicare supplement plan F polices are the same. The only thing that varies from company to company is the pricing. So make sure you do your research and get the best price!
Source: treasurehikersusa.com

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

The D Medicare Supplement Insurance Plan

We’re going through each and every Medicare supplement plan to really break down the differences. We’ve looked at the A, B, and C plan already and now it’s time to turn our attention to the D Medigap plan. The D plan is not terribly popular as a Medicare supplement goes but it’s still important get all the facts in order to make a good decision so let’s dig in. The D Medicare supplemental plan is wedge right between two very popular Medigap plans, the C and F plan which make up a large percentage of all supplement plans sold. Many carriers do not even offer the D plan as they see the cost of maintaining a plan with so few subscribers to be both costly and potentially risky if a percentage of that smaller pool of subscriber have significant health issues. None the less, it is offered by some carriers so how is it different than the C and F plan which sit aside it? We’ll go through each traditional Medicare benefit category but the D plan is very similar to the C plan. In fact, the only difference is the fact that it doesn’t pay for the Part B deductible which we’ll go into with more detail. As for the F plan, the D plan does not cover the Part B deductible (as mentioned) and the Part B Excess charges while the F covers both (and all main categories). Now let’s break down each category for the D Medicare supplemental plan. Where the D plan really lacks coverage in on the Physician side or what’s commonly know as Part B with Medicare. It covers the Part A or hospital deductible and co-insurance which is important since this is where the big bills are. It also covers the Part B physician co-insurance that Medicare does not pick up which is also important. The main gaps in Medicare that Part D doesn’t cover is the Part B deductible and Part Excess charges. The deductible itself is not terribly important since it generally runs over $100 annually but the lack of coverage for the Excess charges is potentially an issue. Excess deals with the extra allowed amount that physicians can charge above and beyond what Medicare allows. The D Medicare supplemental plan does not cover this. The problem is that there is no cap on this amount which is potentially up to 15% of the physicians charges. Uncapped exposure to costs is practically the opposite of what insurance is designed for and we highly recommend against it. We’re less concerned with the Part B deductible since we can quickly calculate the difference in cost over a year’s time between a plan covers it and one that doesn’t. The D plan covers all the other major gaps in traditional Medicare (hence the name, Medigap). These include Hospice care, Emergency foreign travel, first 3 pints of blood, Skilled Nursing, and Preventative co-insurance. Of course, the Part A deductible and co-insurance are covered which is where there are potentially $1000’s if not 10’s of $1,000’s in cost these days. So how does the D Medicare supplemental plan compare with the other options if it’s available? Generally, the the price is so close to the C plan (which covers the Part B deductible) that it doesn’t make sense to go with the D plan. Also, the cost for the next plan up, the F plan is small enough to warrant getting not only the Part B deductible but the more important Part B Excess benefit. Perhaps, this is why the D plan is not popular and not often offered by carriers. Dennis Jarvis is a licensed insurance agent concentrating on medicare supplement insurance.

Ask The Experts: Retirement

Posted by:  :  Category: Medicare

A: As you’ve concluded, there aren’t any easy answers. Such decisions are personal. However, a few generalizations can be made. First, each of you will be first eligible for Medicare parts A and B at age 65. Second, if you choose to be covered by Tricare, you must be enrolled in parts A and B. Third, if your choose Tricare, you can suspend FEHB coverage and, if things with Tricare don’t work out, reactivate that enrollment. Finally, any decision you make needs to balance cost with current and expected need. If you can’t project your needs far enough, think about the worst things that could happen to you and see which combination of benefits would give you the best protection at the lowest cost.
Source: federaltimes.com

Video: (Part 1) Using TRICARE and Medicare

Tricare Help – If Tricare and Medicare cover everything, why do I still get billed?

15 percent age appeal catastrophic cap child born out of wedlock claims continued care cost share death DEERS dental dependent disabled divorce doctor doctors FEHBP handbook health care reform hospital ID card marriage maternity care Medicare military treatment facilities other health insurance outside the U.S. parents Part A Part B pharmacy pre-existing condition pregnancy reserves secondary insurance social security spouse supplements surgery Tricare For Life Tricare Prime Tricare Standard Tricare Young Adult Program VA widow
Source: militarytimes.com

Don’t forget your veterans benefits

“VA does not recommend Veterans cancel or decline coverage in Medicare (or other health care or insurance programs) solely because they are enrolled in VA health care. Unlike Medicare, which offers the same benefits for all enrollees, VA assigns enrollees to priority levels, based on a variety of eligibility factors, such as service-connection and income. There is no guarantee that in subsequent years Congress will appropriate sufficient medical care funds for VA to provide care for all enrollment priority groups. This could leave Veterans, especially those enrolled in one of the lower-priority groups, with no access to VA health care coverage. For this reason, having a secondary source of coverage may be in the Veteran’s best interest. In addition, a Veteran may want to consider the flexibility afforded by enrolling in both VA and Medicare. For example, Veterans enrolled in both programs would have access to non-VA physicians (under Medicare Part A or Part B)”
Source: bankrate.com

Myrtle Beach area doctor settles Medicare, Tricare billing fraud case

The Sun News allows readers to comment on stories as a privilege; the views expressed in story comments are not those of the Sun News or its staff. Readers are required to adhere to all commenting policies, and must avoid commenting behavior such as personal attacks, libelous posts or inappropriate remarks. Users in violation of The Sun News’ commenting policies can have their comments blocked, removed, and/or ultimately see their account banned from the site. Some comments may be reprinted in the newspaper. Registered user names will be posted with comments. The Sun News Terms & Conditions and Commenting Policies can be reviewed here.
Source: myrtlebeachonline.com

Whistleblower Lawsuit Alleging Medicare Fraud Against Blackstone Medical, Inc., Dismissed

administrative complaint Administrative Hearing attorney audit Centers for Medicare & Medicaid Services CMS controlled substances dea DEA investigation defense attorney department of health Department of Health and Human Services doctor doh drug enforcement administration emergency suspension order false claims act florida fraud prevention fraud schemes government health programs health care fraud health law hipaa investigation legal representation licensing and regulatory medicaid medicare medicare audit Medicare fraud Medicare investigation nurse nurses overbilling pain clinics pain management pharmacies pharmacist pharmacists pharmacy physician physicians prescription drug trafficking whistleblower
Source: wordpress.com

What is a complement plan?

Also, pay consideration to your open enrollment. Beginning the very first month you’re covered under Medicare Part B, you have six months to sign up in an extra insurance policy. During this period, insurance providers can’t refuse insurance to you based on your quality of life or starting your premium on this data. After the open registration, they could reject you protection! You do not wish to miss this opportunity to get insurance you may not have later.
Source: uterc.org

#NVSen FactCheck: Berkley

Veterans and military groups fear that access to health care through Tricare could be jeopardized by cuts to Medicare: “That raises concerns that the Pentagon may one day have to shore up Tricare’s reimbursement rates by increasing its already considerable funding support for the program or raising patients’ fees and co-pays — or both — to keep private-sector doctors from dropping Tricare-eligible patients if they think they can make more money treating the influx of private-sector patients that will be generated by the reform law.” (William H. McMichael, “Tricare and Health Reform: What It Could Mean in the Long Run,” The Air Force Times, 3/21/2012)
Source: theminorityreportblog.com

WellPoint reorganization will help integrate Amerigroup, expand in Medicaid market

Posted by:  :  Category: Medicare

Martin Place 1 by Greens MPsThe Indianapolis insurer agreed to buy Amerigroup in July for $4.9 billion, a move that will boost its presence in the Medicaid market. Bloomberg reported that interim CEO John Cannon sent a memo to employees Thursday that said the reorganization would create business units for Medicare, Medicaid, commercial and individual insurance, and specialty insurance including dental, vision and disability.
Source: medcitynews.com

Video: Dental Insurance Commercial for Folks on Medicare

Filling the Gaps: Dental Care, Coverage and Access

While the Affordable Care Act is expected to expand public and private coverage for children when it takes effect in 2014, significant gaps will remain, especially for low-income adults age 21 and older. This June 19, 2012 public forum at the Foundation’s Washington, D.C. offices examined the gaps and disparities in dental coverage and care in the United States today; the health, social, and other consequences of these systemic deficiencies; and promising strategies for ensuring access to oral health care for all Americans. The Foundation also released four new and updated resources that present data and analyze issues related to oral health care, coverage and access in the U.S.
Source: kff.org

How Should Exchange Handle Vision, Dental Coverage?

Plus ça change, plus c’est la même chose! Two key words in the first para “Affordable” and “option;” the former was not addressed and the latter was glossed over in the stakeholder responses which did not include consumers! From a strictly market driven consumers’ economic policy perspective, free choice is king but so is income/price elasticities which we have advocated before on this forum. Without the latter two, choice as an option is meaningless. HBEX benefits outside mandated ones are best offered as supplemental benefits via stand alone and/or part of QHPs. Let insurers and providers sort out which is more marketable/sellable for both seem quite eager to participate in this new market opportunity; given their vocal enthusiasm, subsidy implementation details can be worked out. Consumers can then decide if they want such supplemental benefits and which delivery option best meets their needs financially and clinically. This is the true power of market driven affordable choices.
Source: californiahealthline.org

mairebeyer160: Medicare Dental and vision Benefits

Community or Government Dental and foresight Care – I have seen ads for dental clinics, ad even mobile dental care vans, at local society centers. Many church or society sponsored centers will have data on reduced fee clinics for seniors, disabled people, or others with low income. The federal government, state, or county may also run reduced fee clinics in some areas. Your local health and human resources offices should have information. There is help out there for older people, but it can take some digging to find it.
Source: blogspot.com

Proposed legislation would expand dental care and services to Medicare and Medicaid beneficiaries and providers

The bill, which has been hailed by seniors groups such as National Committee to Preserve Social Security and Medicare, would pay for the expanded services by levying a tax on non-consumer financial trading. That tax would raise $288 billion over the next 10 years, according to the bill. Click here to read the Senate bill, and here to read Senate report on the U.S. dental crisis. 
Source: mcknights.com

AMAC: President Cut $716B from Medicare, Reducing Health Care Options for The Elderly

The Association of Mature American Citizens [http://www.amac.us] is a vibrant, vital and conservative alternative to those traditional organizations, such as AARP, that dominate the choices for mature Americans who want a say in the future of the nation.  Where those other organizations may boast of their power to set the agendas for their memberships, AMAC takes its marching orders from its members.  We act and speak on their behalf, protecting their interests, and offering a conservative insight on how to best solve the problems they face today.
Source: amac.us

5 Services Medicare Won’t Pay For

The opinions expressed in WebMD User-generated content areas like communities, reviews, ratings, or blogs are solely those of the User, who may or may not have medical or scientific training. These opinions do not represent the opinions of WebMD. User-generated content areas are not reviewed by a WebMD physician or any member of the WebMD editorial staff for accuracy, balance, objectivity, or any other reason except for compliance with our Terms and Conditions. Some of these opinions may contain information about treatments or uses of drug products that have not been approved by the U.S. Food and Drug Administration. WebMD does not endorse any specific product, service or treatment.
Source: webmd.com

Most Medicare Part D beneficiaries not in low

Posted by:  :  Category: Medicare

An analysis of more than 100,000 user sessions on PlanPrescriber.com found only 5 percent of customers were in the Medicare prescription drug plan (PDP) with the lowest total out-of-pocket costs available to them. Only 24 percent of customers were in the Medicare Advantage prescription drug (MAPD) plan with the lowest total out-of pocket costs.
Source: lifehealthpro.com

Video: Medicare Part D Prescription Drug Plan Basics

KNDY AM 1570/FM 94.1 & FM 95.5

- Unbiased assistance is available by a SHICK, Senior Health Insurance Counseling forKansas, Counselors in your area. Counseling is available at River Valley District K-State Research Offices inBelleville,ClayCenter, Concordia andWashington. SHICK Counselors are helping at some libraries and Senior Centers too. A listing of area SHICK Counselors assisting Medicare beneficiaries during the enrollment period is available in the District Extension Offices located in the basements of the courthouses inBelleville, Concordia andWashington. Come by322 Grant Avenue inClayCenter. Or call the Extension Office,Belleville (785-527-5084),ClayCenter (785-632-5335), Concordia (785-243-8185) orWashington (785-325-2121).
Source: kndyradio.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

AARP MedicareRx Saver Plus PDP Has The Lowest Premium

The Saver Plus Part D plan is most suited to someone who requires a limited amount of medications, all of which being included in the most commonly prescribed category. This plan is not suitable for someone who requires less common medications or is likely to reach the donut hole.
Source: affordablemedicareplan.com

AHIP Statement on New Survey Showing 90 Percent of Seniors Satisfied with Prescription Drug Coverage

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

Open Enrollment for Medicare Part D Prescription Drug Plans Begins Oct. 15

Hundreds of headlines drew attention to a late September 2012 analysis from consulting firm Avalere Health that showed monthly premiums for seven of the 10 leading Medicare Part D prescription drug plans are slated to increase for 2013. The more important news for beneficiaries and pharmacists, however, would be that open enrollment for all PDPs begins on October 15 and runs until December 7. The enrollment period is the real news because, frankly, the single largest increase in what a Part D beneficiary would pay for any plan each month is $5.99. According to the Centers for Medicare & Medicaid Services, average premiums will hold steady within cents of $30 through next year. Still, a handful of Part D beneficiaries may opt into new plans to save a few dollars each month. More likely, wanting a more comprehensive drug formulary or greater options for having prescriptions filled and dispensed at community pharmacies will prompt coverage changes. As with every year since 2005, pharmacists can do their Medicare patients a great service by identifying which Part D drug plans best meet their coverage needs. If you have tips for advising patients of PDP options, please share them with colleagues in the comments.
Source: about.com

Part D Savings Continues, Especially For Cost

The donut hole is the gap in prescription drug coverage offer by a PDP that was part of he original Part D program, put in place to reduce the cost of the legislation that was enacted in 2003 that included Part D. Under the original benefit, as Part D beneficiaries accrued drug expenses, they first had to satisfy a deductible, then 75 percent of their drug costs were covered up to a certain dollar amount. Then, the donut hole kicked in, a coverage gap where the beneficiary was responsible for 100 percent of drug costs. When total out-of-pocket spending reached a specific maximum, the PDP then provided 100 percent coverage for any additional drug costs.
Source: wolterskluwerlb.com

Beneficiary Price Sensitivity in the Medicare Prescription Drug Plan Market

Medicare Part-D added a new group of privatized prescription drug plans (PDPs) to the traditional plans offered under the Medicare Advantage program. This study examined how prices in the PDP market affect consumer (i.e., beneficiary) behavior with respect to choosing PDPs. The authors applied a previously developed utility logit model to public use data from the Centers for Medicare and Medicaid Services (CMS). They subtracted low-income subsidy (LIS) beneficiaries from analysis of the PDP market because LIS beneficiaries pay little or nothing for premiums. Statistical models assumed that individuals receiving benefits through employee-sponsored plans were not in the market for PDPs.
Source: rwjf.org

Medicare Part D Prescription Drug Plan Newsletter

 Initially, you have a seven (7) month window of time to join a Medicare Part D or Medicare Advantage plan.  So if you enroll in a Medicare Part D plan within the three (3) months before the month that you become eligible for Medicare (for example, the 3 months before you turn 65), your Medicare plan coverage will start on the first day of your birthday month (or Medicare eligibility month).  If you join a Medicare plan during your birthday (or eligibility) month, your prescription drug coverage will start on the first day of the next month.  Finally, if you join a Medicare plan during the three (3) months after your birthday (or eligibility) month, your drug coverage will start the first day of the month following the month when you enroll.
Source: customemployeebenefits.com

MedicareIsSimple: Avalere Analysis Reveals Significant Fluctuations in Medicare Prescription Drug Plan Premiums for 2013

But there are alternatives for cost conscious seniors. UnitedHealth’s new Medicare Rx Saver Plus PDP is offering premiums averageing just $15 a month, the lowest available in many markets. In past years, low-cost entrants have captured significant market share, and Humana Walmart began the trend with its offering in 2011. Last year, First Health’s low-cost offering enrolled 450,000 patients in its first year of operation. Also, Coventry and CVS Caremark have fielded very competitively priced enhanced plans – with premiums below $30 that are likely to attract interest from seniors who are looking for a low premium, but would prefer a more comprehensive benefit plan. Interestingly, these plans are cheaper than the premiums for those sponsors’ basic offerings due to their use of preferred pharmacy networks. By employing limited pharmacy networks, plan sponsors are better able to offer such low-cost plans.
Source: blogspot.com

Daily Kos: The health care discussion that should happen in the VP debate

Posted by:  :  Category: Medicare

"Never spend your money before you have it." ~ Thomas Jefferson. by eyewashdesign: A. GoldenThe Romney Ryan Medicaid cuts hit close to home.  Without Medicaid, I honestly don’t know how my family could have taken care of my mom who had significant health issues from Parkinson’s Disease.  Her deteriorating condition was impossible to address even with home health care.  During the last 10 years of her life, we were so fortunate to find a wonderful private nursing home where she got excellent care.  She paid down her funds to the point that she qualified for Medicaid, and  luckily the home reserved several “beds” for Medicaid patients.  Had it not been for this, I don’t know how we could have taken care of her ever increasing medical/physical/living needs.    It was hard enough seeing my once vibrant, very intelligent, artist mom waste away from this horrible, debilitating disease–but it would have been even more heartbreaking had we been unable to provide her with the care she needed.  
Source: dailykos.com

Video: Medicaid spend down

VP Debate: Two Visions For Medicare

What we did is we saved $716 billion and put it back — applied it to Medicare. We cut the cost of Medicare. We stopped overpaying insurance companies when doctors and hospitals — the AMA supported what we did. AARP endorsed what we did. And it extends the life of Medicare to 2024. They want to wipe this all out. It also gave more benefits. Any senior out there, ask yourself: Do you have more benefits today? You do. If you’re near the doughnut hole, you have $600 more to help your prescription drug costs. You get wellness visits without copays. They wipe all of this out, and Medicare goes — becomes insolvent in 2016, number one.
Source: kaiserhealthnews.org

Understanding Medicare: Tackling End

Medicare also needs to lay some ethical groundwork if it’s to expand this much-needed benefit. The medical system has traditionally defaulted to heroic measures to treat people in their final months, even though those treatments will do little to prolong or preserve some modest quality of life. And since several diseases don’t follow a strict timeline—especially cancer and other chronic maladies—the decision timeline on when to offer hospice or palliative care (or both) is muddled. A bioethicist should be brought in to discuss the alternatives over a period of time instead of offering only the one-shot consultation. 
Source: reportingonhealth.org

Daily Kos: What I Keep Not Hearing About Medicare

My wife and I turned 65 in 2010, and went onto Medicare. We had been counting on “gap” coverage from her public employees’ benefit plan from the State of Nevada, which abruptly switched that year from funding its own (decent) health plan to offering the equivalent of the Romney-Ryan “coupon” plan. At least PEBP offered transition counseling with stacks of data on available gap plans, but we spent many, many hours trying to compare plans and estimate our likely needs. We were systematic, drawing up charts and poring over them. And this wasn’t a one-time deal. We must go through this every year, since plans add and drop provisions. They all raise prices, but at different rates. We’ve already had to change plans once. We’re now in another enrollment period, and will have to run this gauntlet again within the next month. And we still have – despite occasional senior moments – most of our faculties intact. What will we face in 10-15 years, especially if we’re searching not just for supplemental coverage, but for all of our health insurance?   I should add that we’re still healthy enough that the plans still think they want us, so we are bombarded with mail and phone messages asking us to switch. (Actually, if we accepted one of these offers without going through the Nevada re-enrollment process, we would lose our Nevada voucher, something my wife fortunately picked up on, but which the insurance companies wouldn’t have told us!  By the way we face these decisions not just on medi-gap coverage, but on prescription drug and dental plans. I dearly wish we could rely on a single payer system for all our health needs. Barring that Medicare – and “Obamacare” – are all that’s providing us any protection from the insurance jungle. You are right to be fearful of what the Republicans are likely to do. I know we are!
Source: dailykos.com

Uwe E. Reinhardt: What Value Does Medicaid Have for Its Enrollees

The “fungible value” of Medicaid coverage is calculated as the smaller of (1) what it costs taxpayers to provide the coverage or (2) the difference between the household’s money income and the amount it needs to cover its basic needs of food and housing. If the household does not have enough money for food and housing, then the fungible value of Medicaid coverage is assumed to be zero. (For more detail, see Footnote 2 in this Census Bureau guide, where “household income” is defined no less than 15 different ways).
Source: nytimes.com

What Happens To My Medicaid When I Enroll In Medicare?

Medicare and Medicaid are two health care programs created as amendments to the Social Security Act in 1965. Medicare is a federal insurance program that provides health insurance to U.S. citizens who are over the age of 65, under 65 with disabilities, and who have end stage kidney disease. Medicaid is both funded federally and by the states. States have different Medicaid programs for different groups of people such as the elderly, children, pregnant women, etc. Medicaid programs differ by state. It is possible to enroll in Medicare while receiving Medicaid.
Source: seniorcorps.org

Medicaid Nursing Home Spend

The Medicare / Medicaid programs are dual eligibilities government programs for the aged, the blind, and disabled, and heavy long term care users for the poor of the poorest. Medicaid is the largest liability in state budgets having topped elementary and secondary education. For 2003, total Medicaid expenditures in most states were $267 billion. Of this, Medicaid financed nursing home care accounted for approximately $51 billion and home care $9.9billion.*
Source: hecm.me

With the Loss of Illinois Cares Rx, Where Can People Turn? : The Shriver Brief

The elimination of Illinois Cares RX is effective on July 1, if the Governor signs the bill as is. As you can tell from this blog, that leaves precious little time for seniors to make the complicated choices and actions necessary to rearrange their drug purchasing and transition to the new system. Advocates have asked that Governor Quinn amendatorily veto the bill to keep Illinois Cares Rx on the books, or, at a minimum, to delay the effective date to January 1, 2013, to allow for a smoother transition—let’s keep our fingers crossed. Of course, we will keep you updated on any developments.  
Source: theshriverbrief.org

Medicare Recipients Overspend By Not Choosing The Cheapest Prescription Plan

Implemented in 2006, Medicare prescription drug benefit (Part D) spent $65.8 billion for prescription drugs in 2011, according to the Congressional Budget Office. But Medicare beneficiaries are overpaying by hundreds of dollars annually because of difficulties selecting the ideal prescription drug plan for their medical needs, an investigation by the University of Pittsburgh Graduate School of Public Health reveals.  Their work also could be useful in designing health insurance exchanges, which are state-regulated organizations created under the Affordable Care Act (“Obamacare”) to offer standardized health care plans. Only 5.2 percent of beneficiaries chose the least-expensive Medicare prescription drug benefit (Part D) plan that satisfied their medical needs in 2009, overspending on Part D premiums and prescription drugs by an average of $368 each per year. The evaluation took a national look at how well beneficiaries were making plan choices in the fourth year of the Medicare Part D program and could help guide changes to health insurance programs. Their solution, unfortunately, is even more government employees to counsel recipients, which may cost a lot more than $368 per year.  “In particular, government officials could recommend the three most appropriate Part D plans for each person, based on their medication history,” said co-author Yuting Zhang, Ph.D., associate professor of health economics at Pitt Public Health. “Alternatively, they could assign beneficiaries to the best plan for them based on their medication needs, while offering them the option to choose another plan instead. In designing health insurance exchanges, models with more active assistance would be more helpful than models with large numbers of plans and information. For example, health insurance exchanges could actively screen plans on quality and negotiate premiums to reduce the number of plans.” The researchers looked at the difference in a patient’s total spending, including the plan premium and out-of-pocket payment for the prescriptions filled, between the plan the patient chose and the cheapest alternative option in the region that would satisfy the patient’s medication needs. The study looked at data for 412,712 people, with an average age of 75. Beneficiaries tend to overprotect themselves by purchasing plans with more generous features, such as generic drug coverage in the coverage gap. A few other trends emerged: As beneficiaries aged, they increasingly chose more expensive plans, with people older than 85 overspending by $30 more than people 65 to 69 years old. Blacks, Hispanics and Native Americans chose less expensive plans than whites.  People with common medical conditions, such as diabetes and chronic heart failure, were not significantly more likely to choose more expensive plans. People with cognitive deficits or mental health issues, such as Alzheimer’s disease, tended to choose less expensive plans, spending an average of $10 less than those without such conditions. The researchers could not determine if those people had assistance from caregivers. As the number of plan options increased in a region, the amount of overspending increased by $3.20 for every additional plan available. “A previous study showed that in 2006, beneficiaries could have saved nearly 31 percent of their total drug spending by switching to the lowest cost plan,” said lead author Chao Zhou, Ph.D., a post-doctoral associate at Pitt Public Health. “Since our results are similar, this suggests people are not learning to reduce overspending.” One possible explanation for these consistent results over time is the impact of inertia and bias toward maintaining the status quo, she noted.  “When Medicare Part D started in 2006, the majority of beneficiaries did not choose the least expensive plan,” said Zhou. “Over time, they may have simply stuck to their original plan and never switched to a better one. Beneficiaries might not spend much time researching and adjusting their plan choices based on changes in their medication needs and in plan options.”  Findings from the private health insurance market support the authors’ conclusion that people keep their current plan instead of spending time researching and optimizing their plan choices based on their insurance use and prescription spending in the previous year. Published in Health Affairs
Source: science20.com

DeBord Report : Vice presidential debate: 5 (and a half) economic battles Biden and Ryan will fight

Taxes. The deficit will come in a minute. Ryan will argue that the Obama plan to increase taxes on wealthy Americans will crush job creation and take money out of the hands of the people who are going to invest in the country’s future growth. Biden could counter by arguing that when the wealthy have their taxes cut, they tend to save the gains rather than spend them, so whatever job creation Romney and Ryan expect is an article of faith rather than anything that rests on sound economic fundamentals: “Cut them and they will spend.” Biden and Ryan could wind up agreeing about cutting corporate taxes, which are pretty high by global standards in the U.S. Corporations are also sitting on a huge pile of cash right now — around 11 percent of U.S. GDP, or $1.7 trillion. A tax cut could induce big companies to spend, rather then relying on tax cuts for the rich to trickle down into the economy.
Source: scpr.org

Still Considering Medicare for Your Long Term Care?

Will Medicare pay for your long term care (LTC)?  Don’t bet on it.  It will only pay for your LTC if you were confined in a hospital prior to entering a nursing facility, but even then it shall ask you to shoulder a portion of your costs. Medicare is a government-funded insurance program that is intended to pay for the hospital fees, doctor checkups, and treatments or therapies that will help senior citizens who are 65 years old or over recover from an illness or injury.
Source: freearticleforyou.com

To Understand Medicare Advantage, Arizona Residents Can Work With A Professional

Posted by:  :  Category: Medicare

Racism by elycefelizIf you are looking for assistance with Medicare Advantage, Arizona has a company that you can help you greatly. All the changes in Medicare may be confusing and if you are not sure what to expect in the coming years, you can work with a Medicare specialist and they will be able to assist you in determining what the right plan is for you. When you need help with Medicare Advantage Arizona specialists will be able to examine things with you to make sure that you fully understand what your Medicare plan entails. Getting help from a Medicare specialist will allow you to gain a much broader understanding of all aspects of your Medicare Advantage plan including the finer points. When you work with the best expert in Medicare advantage Arizona has available, you will feel more confident in what you have.
Source: e-breakingnews.com

Video: Medicare in Arizona- 1.800.643.7544

Healthnet Medicare in Arizona

Today, Medicare is a little more complicated than it was originally simply because there has been a lot of changes, reforms, and additions made. In the beginning it was simply to offer health care for those over 65 years old but that has changed quite a bit and now includes those with disabilities as well as having different parts to Medicare. When you first become eligible for Medicare you are placed in the Original, which consists of Part A and B, which is the health care portion and it also includes the drug prescription plan, which is Part D.
Source: platinumcube.com

Romney’s Medicaid cuts would be devastating to nursing home care and the disabled

Now, folks, this is serious, because it gets worse. And you won’t be laughing when I finish telling you this. They also want to block grant Medicaid and cut it by a third over the coming 10 years. Of course, that’s going to really hurt a lot of poor kids. But that’s not all. A lot of folks don’t know it, but nearly two-thirds of Medicaid is spent on nursing home care for Medicare seniors who are eligible for Medicaid. It’s going to end Medicare as we know it. And a lot of that money is also spent to help people with disabilities, including a lot of middle-class families whose kids have Down’s syndrome or autism or other severe conditions. And, honestly, just think about it. If that happens, I don’t know what those families are going to do. So I know what I’m going to do: I’m going to do everything I can to see that it doesn’t happen. We can’t let it happen. We can’t.
Source: blogforarizona.com

Chris Christie Considers New Medicaid Math

Even if Romney wins the White House, he’s unlikely to get a filibuster-proof majority in the U.S. Senate to completely overturn the healthcare overhaul. If that’s the case, he’d have a number of options to delay implementation or offer his preferred solution – giving lump sums to states to administer Medicaid. Under some scenarios, he would need only simple majorities in both houses to withdraw the 90-100 percent funding offer.
Source: kaiserhealthnews.org

Medicare Fraud Investigation Yields 91 Arrests in 7 Cities

With the U.S. economy in the state that it is in now, state and federal governments are cracking down on fraud crimes. Medicare fraud robs taxpayers of millions of dollars each year, and it is prosecuted strictly by courts in the United States. If you are facing charges for fraud in Arizona, you must seek experienced legal representation if you want to avoid a lengthy prison sentence. A fraud conviction can most certainly ruin your professional career if you fail to retain legal expertise. Look to the fraud defense team at JacksonWhite if you need assistance with a fraud case in AZ. Call our white collar crime lawyer, Jeremy Geigle, to schedule a free and confidential consultation at 480-818-9943.
Source: arizonawhitecollarcrimeslawyer.net

Tucson Weekly: The Best of Tucson, News, and Everything That Matters

CD2 Air War: Kolbe Defends McSally As Candidates Debate Social Security’s Future We noted last week that the Democratic Congressional Campaign Committee had released a poll showing Congressman Ron Barber with a massive, 14-percentage-point lead over GOP challenger Martha McSally. McSally released a poll of her own yesterday…
Source: tucsonweekly.com

Daily Kos: Celebrating 47 Years of Medicare!

Seniors across the state gathered last week and this week to celebrate 47 years of Medicare.  We built our Medicare system because it is by far the best way to provide America’s seniors and people with disabilities with affordable health care they can count on. For nearly half a century, Medicare has given seniors and people with disabilities access to critical health care. It protects beneficiaries and their families against health-related expenditures that might otherwise overwhelm their finances—or worse, force them to forego medical treatment needed to survive.
Source: dailykos.com

What is Medicare SELECT and How Does it Work?

Posted by:  :  Category: Medicare

Deputy Administrator and Director for the Center of Medicare at CMS Jonathan Blum visits Christiana Care to speak about accountable care organizations by Christiana CareThis kind of insurance has to give the same benefits as a regular Medigap policy but usually comes in at a lower cost based on its additional conditions. If you are prepared to be restricted to the plan’s network, then this could give you cheaper premium costs. You can, of course, choose to use a hospital/doctor outside of the network but, although Medicare will cover its costs as usual, you would then have to pay for any gaps otherwise covered in-network by a SELECT policy.
Source: suite101.com

Video: Jazzy Select Elite Power Chair, Medicare Approved

Ron Wyden Slams Paul Ryan’s Medicare Debate Answer

“The Vice President is right, Romney/Ryan moved the goal post on Medicare and I strongly oppose their plan because I believe it hurts seniors. The Romney/Ryan plan raises the age of eligibility and repeals the ACA leaving millions of seniors with no health coverage. The Romney/Ryan plan on Medicare pulls the safety net out from under the poorest and most vulnerable seniors, taking away the opportunity for nursing home care from seniors who need it and have no other options. 
Source: businessinsider.com

Cyprian Akamnonu Pleads Guilty To Masssive Medicare Fraud At Ultimate Care Home Health Services

Cyprian Akamnonu admitted that once he obtained signed prescriptions, nurses acting at his direction would perform cursory visits for the beneficiaries they had recruited that bore little relationship to the skilled nursing services which Roy had purportedly prescribed.  Ultimate would then bill Medicare, at Cyprian Akamnonu’s direction, for skilled nursing services that were not necessary and were not performed. Court documents show that from January 2006 through November 2011, Roy or another Medistat physician allegedly certified over 78% of the beneficiaries serviced by Ultimate.  Ultimate billed over $43 million to the Medicare program for these beneficiaries.  Roy, in turn, allegedly incorporated these beneficiaries into his own practice and billed over $2.4 million for services related to them.
Source: newsroom-magazine.com

Understanding Medicare – The Robeson Journal

A standardized Medigap policy typically is guaranteed renewable, which means that, as long as you continue paying premiums, an insurer cannot use your health status as a rationale for cancelling the policy. If you were diagnosed or treated for a pre-existing medical condition within six months prior to a Medigap policy taking effect, an insurer can make you wait up to six months before providing coverage for the condition. In certain instances, if you had health insurance coverage during the six-month period before the Medigap policy takes effect, the waiting period may be eliminated or shortened.
Source: therobesonjournal.com

Comparing Medicare prescription drug plans

Also, be aware that if you’re a low-income beneficiary and your annual income is under $16,755 or $22,695 for married couples living together, and your assets are below $13,070 or $26,120 for married couples, you may be eligible for the federal Low Income Subsidy known as “Extra Help” that pays Part D premiums, deductibles and copayments. For more information or to apply, call Social Security at 800-772-1213 or visit socialsecurity.gov/prescriptionhelp.
Source: pomeradonews.com

Report: Private Insurers Cost Medicare Billions In Excess Payments

Blogger, CommonHealth Rachel Zimmerman worked as a staff reporter for The Wall Street Journal for 10 years, most recently covering health and medicine out of the paper’s Boston bureau. Rachel has also written for The New York Times, the (now-defunct) Seattle Post-Intelligencer and the alternative newspaper Willamette Week, in Portland, Ore., among other publications. Rachel co-wrote a book about birth, published by Bantam/Random House, and spent 2008 as a Knight Science Journalism Fellow at MIT. Rachel lives in Cambridge with her husband and two daughters. View all posts by Rachel Zimmerman
Source: wbur.org

A (Very Brief) Comparison of Romney and Obama on Medicare

Posted by:  :  Category: Medicare

'The election of Obama would, at a stroke, refresh our country's spirit' by Renegade98So which do you like better? A plan that reduces reimbursement levels and relies on top-down control/encouragement to produce more cost-effective medical care? Or a plan that relies on competitive bidding to keep costs under control? The choice, for both liberals and conservatives, is not as simple as you might think. Conservatives need to acknowledge that, like it or not, cost controls have a proven track record and that Obamacare’s top-down programs really might help improve the efficiency of healthcare delivery. Liberals need to acknowledge that those top-down controls aren’t a sure thing and that competitive bidding might make a real difference.
Source: motherjones.com

Video: Medicare Supplemental Insurance Plan Benefit Comparison California

Medicare Plan Finder for Health, Prescription Drug and Medigap plans

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

Comparing Medicare Plans Side

About eHealth  eHealth, Inc. (NASDAQ: EHTH) is the parent company of eHealthInsurance, 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 seniors navigate Medicare health insurance options through PlanPrescriber.com (www.planprescriber.com) and eHealthMedicare (www.eHealthMedicare.com).
Source: ehealthinsurance.com

Important: Before Open Enrollment Make Sure You Read Your Medicare Plan’s “Annual Notice of Changes”

Formulary.  If you are enrolled in prescription drug plan also known as PDP plan, or have prescription drug coverage included in your Medicare Advantage plan, you’ll receive a formulary. It’s an index of prescription drugs covered by your plan, and includes information on drug co-pays for the coming year.  Your plan may send out either a full or an abridged (shortened) formulary, which would include only the most commonly prescribed drugs.
Source: medicareecompare.com

Medicare: A comparison – Stand Up For America

The orthodox conditions of apostasy are that the person in question (a) has understood and professed the shahada, (b) has acquired knowledge of those rulings of the shariah necessarily known by all Muslims, (c) is of sound mind at the time, (d) has reached or surpassed puberty, and (e) has consciously and deliberately rejected or consciously and deliberately intends to reject as untrue either the shahada (and what it is commonly known to entail) or those rulings of the shariah necessarily known by all Muslims.[40][41] Maliki scholars additionally require that the person in question (f) have publicly engaged in the obligatory practices of the religion.[42] For example: if a sane adult Muslim, knowing and professing that God exists and is one, were to then declare that God does not exist, then this would constitute apostasy. Another example: if a sane adult Muslim, knowing that salat (prayer) is fard al-ayn (personally obligatory), were to then declare that it was not personally obligatory, then this would constitute apostasy. By contrast, for example: if a sane adult Muslim, knowing that consumption of alcohol is haram (forbidden), were to consume alcohol knowing and professing that it was forbidden, then this would merely constitute disobedience and not apostasy. Another example, if a sane adult Muslim carelessly and thoughtlessly makes a statement of unbelief, then this would not constitute apostasy.[43] In traditional Islam, there is a distinction between private and public apostasy. Private apostasy is the satisfaction of the above conditions, but without any public declaration. For example, if a sane adult Muslim performed daily prayers, professed them to be obligatory, but personally believed them to not be obligatory, then this would constitute private apostasy. Or for example, if a person professed the shahada with knowledge of its meaning, but in their home secretly worshiped idols, then this would constitute private apostasy. Public apostasy is the satisfaction of the above conditions by means of public declaration.
Source: wordpress.com

Comparison of Medicare Premium Support Proposals

This brief provides a side-by-side comparison of recent proposals to transform Medicare into a premium support program and slow the future growth in Medicare spending. These proposals each would convert Medicare from a defined benefit program, in which beneficiaries are guaranteed coverage for a fixed set of benefits, to a defined contribution or “premium support” program, in which beneficiaries are provided a fixed federal payment to help cover their health care expenses.   The brief compares the premium support provisions of these proposals, including how the level of premium support for beneficiaries would be determined; whether traditional Medicare would remain an option; what protections would be provided for low-income beneficiaries; and whether and how the proposals would cap federal spending on Medicare.  These differences have important implications for Medicare beneficiaries, the federal budget, health care providers and private health plans.
Source: kff.org

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

Making Good Medicare Supplemental Insurance Comparisons

A good place to start is to visit the local Social Security office. While the Medicare program is separate from Social Security, the local office is able to provide a lot of help and answer a lot of questions. Most importantly, they can provide any senior with the correct contact information to help determine how their own medical condition is covered by basic Medicare insurance coverage. The people they contact will help a senior determine which supplemental programs are best for them. The gaps in basic Medicare benefits that apply specifically to them will become more evident.
Source: seniorcorps.org

MedPAC Staffers Recommend Allowing Geographically Based Medicare Physician Payments To Proceed

Modern Healthcare: Let Geographic Doc-Pay Cuts Proceed, Say MedPAC Staffers The staff of Congress’ primary Medicare advisory body recommended allowing long-frozen geographically based payment cuts for physicians to go into effect. The draft recommendations, on which the Medicare Payment Advisory Commission has yet to vote, applied to the program’s system for supplementing or cutting physician payments based on a comparison of costs in the area in which they practice to a national average. A legislative freeze on the cuts side of that equation is scheduled to expire Dec. 31 (Daly, 10/7).
Source: kaiserhealthnews.org

KNDY AM 1570/FM 94.1 & FM 95.5

- Unbiased assistance is available by a SHICK, Senior Health Insurance Counseling forKansas, Counselors in your area. Counseling is available at River Valley District K-State Research Offices inBelleville,ClayCenter, Concordia andWashington. SHICK Counselors are helping at some libraries and Senior Centers too. A listing of area SHICK Counselors assisting Medicare beneficiaries during the enrollment period is available in the District Extension Offices located in the basements of the courthouses inBelleville, Concordia andWashington. Come by322 Grant Avenue inClayCenter. Or call the Extension Office,Belleville (785-527-5084),ClayCenter (785-632-5335), Concordia (785-243-8185) orWashington (785-325-2121).
Source: kndyradio.com

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

Our purpose with creating this site was to make looking for Medicare supplemental insurance coverage as painless as possible, mentioned John Stevens, director of advertising and marketing. We know that folks do not want to have to contact a bunch of various insurance plan organizations or worse yet push to them in particular person. With our on the internet interface customers do not even need to have to chat to pushy salespeople, they can see all the ideal organizations in their spot, examine their rates and options, and should they want to, get in touch with them on their own terms and conditions.
Source: hugohosting.com

Why Chavez Won BIG! A Comparison Between The Presidential Elections In The U.S. And Venezuela

This difference in priorities is also reflected in how campaigns are conducted in Venezuela and the U.S. For instance, last Friday, October 5, up to 3 million jubilant Chavez supporters filled the streets of Caracas in the build-up to the elections on Sunday. This turnout was achieved, in large part, by neighborhood, work place, union and other grass root group organizers talking person-to-person within their networks to get the maximum numbers to the event. It was said that the barrios in Caracas’s heavily populated hills were empty as participants flowed down to the mobilization. There have been several other massive outpourings across the country as election day approached. Notably, the rallies in support of Capriles had only a small fraction of the numbers who braved the tropical heat and rain showers to support President Chavez.
Source: hamsayeh.net

Georgia Medicare Doctors Say No

Posted by:  :  Category: Medicare

Gang of Six - Cartoon by DonkeyHoteyGeorgia Medicare doctors are saying no to new patients. If you are turning 65 and going on Medicare, you may be shocked to know many Georgia Medicare doctors are not accepting new patients.                       A wave of aging baby boomers will soon join the estimated 1.2 million Georgians currently on Medicare, but fewer Georgia Medicare doctors are taking new patients, according the American Medical Association. “They’re going to find it much harder to find a physician that will accept the low payments that Medicare is giving, because they can’t afford to,” American Medical Association Chair Dr. Robert Wah said. WSBTV, “Doctors rejecting new Medicare patients” If Georgia Medicare doctors are not accepting new patients, what is a person to do? You could purchase a Medicare Advantage plan from an HMO such…
Source: ewallstreeter.com

Video: Supplemental Insurance for Medicare in Georgia by 1-800-MEDIGAP

Georgia Medicare Supplement Plans made easy by GAMedicarePlans.com

GAMedicarePlans.com makes shopping for Medicare plans easy and simple by giving you all of the information you need. Their skilled agents will stay with you through the entire process. Your confidence level will go up after requesting a quote from them. Georgia Medicare Supplement Plans were designed to fill in the gaps left by traditional Medicare coverage, and GAMedicarePlans.com has made finding your ideal plan that much more simple for you.
Source: release-news.com

Georgia Cancer Specialists Settles with Feds over Medicare Billing

The civil settlement resolves the United States’ investigation into Georgia Cancer Specialists’ practices relating to billing for evaluation and management (E&M) services on the same day as a related procedure. Generally, providers are not permitted to bill both E&M services and a related procedure on the same day under the Medicare program’s regulations. 
Source: patch.com

Georgia voters oppose Romney

Georgians are sour on the direction of both the country and the state. Self-identified independent voters are especially skeptical of our national and state progress. Only 24 percent of independents believe Georgia is headed in the right direction while 66 percent say things have gotten off on the wrong track.  Their views on the country mirror these numbers with only 21 percent saying the country is headed in the right direction and 77 percent believing things have gotten off on the wrong track.
Source: bettergeorgia.com

Experts debate future of Medicare in AARP event

In the videoconference, Stuart Butler of the Heritage Foundation and Henry Aaron of the Brookings Institution agreed on at least a couple of points: that Medicare beneficiaries should have a cap on their out-of-pocket spending, and that high-income seniors should pay higher premiums than lower-income people.
Source: georgiahealthnews.com

Grover Norquist Prods Georgia Legislators To Drop Hospital Tax Used To Raise Funds For Medicaid

They noted the hospital fee is not levied on individual patients or on hospital beds, but is based on hospital net patient revenue. More than 40 states use such provider assessments to help cover the costs of their Medicaid programs. With bad economic times battering state budgets, some states in the past five years have increased taxes already in place or approved new ones on hospitals, nursing homes or managed care plans.
Source: kaiserhealthnews.org

David Brooks' assumptions on Romney

But there is a deeper philosophical problem in the Obamacare effort to reward outcomes and not costs, and that is that professionals can’t easily control outcomes by themselves. As a practicing psychologist, I am only too aware that I can make all kinds of suggestions to people, but if they don’t follow the suggestion, there is often little I can about it. Medical doctors can prescribe medication, but they can’t be present to make the patient take it. Doctors can encourage people to lose weight to avoid developing diabetes, but they can’t be there to chide the patient for eating a bowl of ice cream. The emphasis on rewarding outcomes makes the professional responsible for the patient’s behavior.
Source: kansascity.com

Health Care Reform Must Be Patient

Dr. Don W. Printz, a retired dermatologist who practiced medicine in the Atlanta area for more than 30 years, is a member of the Georgia Public Policy Foundation and the Association of American Physicians and Surgeons. The Foundation is an independent think tank that proposes practical, market-oriented approaches to public policy to improve the lives of Georgians. Nothing written here is to be construed as necessarily reflecting the views of the Georgia Public Policy Foundation or as an attempt to aid or hinder the passage of any bill before the U.S. Congress or the Georgia Legislature.
Source: georgiapolicy.org