Independence Blue Cross makes Medicare plan announcement

Posted by:  :  Category: Medicare

Independence Blue Cross said it will offer its Keystone 65 Select Medicare Advantage plan with no monthly premium in the five-county Philadelphia region in southeastern Pennsylvania. The company said the plan will also now include coverage for emergency or urgent care anywhere in the world. Last year, the health insurer’s Keystone 65 Medicare Advantage HMO plan charged premiums of $15 in Philadelphia and Bucks counties, and $30 in Chester, Delaware, and Montgomery counties. In addition, IBC…
Source: ewallstreeter.com

Video: Keystone 65 BlueCross

Medicare and Senior Citizens Exploited as a Presidential Campaign Issue

The truth is that if you are 55 years old today, you don’t need to worry about losing your benefits, and that’s probably true for most persons who are 50 or older. If you are a 65 year old female, you have a life expectancy of 20 years; and it’s a couple of years less for us guys. Most experts agree that if the federal government does nothing, the system will survive at least another 15 years. The leading Republican thinker on reform, who is Congressman Paul Ryan and is now a VP candidate, does not propose any changes for those 55 or older. So the issue of paying for Medicare and other programs needed by senior citizens who are our clients does not actually affect most of our clients, even if it does affect their children and grandchildren. I wish the politicians on both sides would do a better job of making sure that our senior citizens understand that.
Source: keystoneelderlaw.com

Access towards the finest health services in the lowest charges with Blue Cross Keystone 65

Capabilities of Blue Cross Keystone 65: Blue cross keystone 65 is one of the best medicare plans that are accessible to us at an cost-effective price tag. So that you can enroll one’s name in this plan, one particular have to need to only fill within the request form. The essential function of a blue cross keystone 65 program includes: Important and cash saving extra are offered Members obtain remedy and care from a network of main care physicians, specialists and so on. Demand only a small copayment to go to the physician or physician An added coverage is becoming provided for routine vision, preventive care and hearing care.
Source: healthinsuranceconsult.com

Access towards the finest health services in the lowest charges with Blue Cross Keystone 65

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Source: medicaresupplementalco.com

David Brooks on Drugs and Medicare | MyFDL

To start, in dismissing the idea that governments can be successful in designing policies that contain costs, Brooks ignores all the evidence from every other wealthy country. All of them have much greater involvement of the government in their health care system (in some countries like the United Kingdom and Denmark they actually run the system) yet their average cost per person is less than half as much as in the United States. And they have comparable health care outcomes, with all enjoying longer life expectancies. If health care costs in the United States were comparable to those in any other wealthy country we would be looking at long-term budget surpluses, not deficits. (We could look to trade to reduce costs, but policy debates in the United States are dominated by ardent protectionists in the area of health care.)
Source: firedoglake.com

Grappling With Details of Medicare Proposals

Posted by:  :  Category: Medicare

NYC TO WALL ST.: BUSH / CHENEY: DROP DEAD. by eyewashdesign: A. GoldenStill, it’s clear the proposed changes would shift costs from the federal government to retirees. An early version of a Republican plan would have more than doubled out-of-pocket health expenses for older adults, to $12,500 in 2022, the Congressional Budget Office estimated. “All scenarios will require seniors to pay more,” said Robert Moffit, senior fellow at the Heritage Foundation, a conservative research organization in Washington. To think otherwise, he said, “is a fantasy.”
Source: nytimes.com

Video: New York: Medicare Fraud Summit Consumer Panel

Nancy Pelosi’s Weak, Cynical Defense of ObamaCare’s Medicare Changes

Elsewhere in the piece, Pelosi offers another scare stat: “Medicare will be bankrupt by 2016 under the Romney-Ryan plan.” But as one of the program’s public trustees has noted, the Obama administration’s Medicare plan only extends the program’s trust fund by double counting, using ObamaCare’s spending reductions to pay for both extending Medicare and new insurance coverage. And even if you ignore the double counting, Pelosi’s bankruptcy charge still boils down to this: You can trust Democrats with Medicare because Team Blue has a plan to let the program go insolvent by 2024.
Source: reason.com

Transforming Medicare into a Premium Support System: Implications for Beneficiary Premiums

The analysis does not attempt to model any specific proposal, but is generally based on an approach included in House Budget Chairman Paul Ryan’s fiscal year 2013 budget plan, the proposal Chairman Ryan co-sponsored with Senator Ron Wyden of Oregon, and; in the plan put forward by former Senator Pete Domenici and Dr. Alice Rivlin. In the first two proposals, people who are at least 55 years old, including current beneficiaries, would be exempt from the new system. Republican presidential nominee Gov. Mitt Romney has supported a premium-support system along these lines.
Source: kff.org

Study: Ryan Medicare Plan Bad Medicine for NY Seniors

Congresswoman Nita Lowey issued the following statement regarding today’s Kaiser Family Foundation study showing that under a Medicare plan similar to Paul Ryan’s, 59 percent of Medicare beneficiaries would have higher out-of-pocket costs, unless they switched from traditional Medicare to a lower-cost plan.  In New York, it would cost seniors more than $100 extra every month to maintain traditional Medicare coverage.
Source: patch.com

New York Digital Health Accelerator Reveals Inaugural Class

As the NwHIN Exchange transitions from a federal program to a public/private partnership, its pace of growth is accelerating. The new organization, rebranded the eHealth Exchange, has 34 organizations in production now, with six more expected to join by the end of the year, said Mariann Yeager, interim executive director of Healtheway, the organization that is providing the infrastructure and governance to support the exchange of data that eHealth Exchange participants use to further their respective missions. “We had 10 applications last week alone,” Yeager told the Oct. 17 HIT Standards Committee meeting. “We expect to double participation in the next year.”
Source: healthcare-informatics.com

NY Times’ Brooks Acts As (Inaccurate) Mouthpiece For Romney

Numerous independent experts have also said that Ryan’s plan to transform Medicare into a voucher system will force seniors to spend millions more for health care because the vouchers would not keep pace with rising health care costs. Indeed, Yale public policy professor Ted Marmor has said that under the Ryan plan, some seniors would be forced to “choose between paying for better coverage and having more money for food and other items.”
Source: mediamatters.org

Social Security Payments To Rise But Medicare Premiums May Offset Boost

Posted by:  :  Category: Medicare

The Wall Street Journal: Benefits To Get A Small Bump More than 56 million Social Security beneficiaries will see their checks increase 1.7 percent starting in January, under an annual cost-of-living adjustment that is tied to how much certain prices climb in July through September compared with a year earlier. Eight million people who receive Supplemental Security Income — mainly the poor and disabled — will get the boost starting in December, the agency said. This means the average monthly Social Security check will rise by $21 to $1,261, the agency said. However, the increase may be partially or completely offset by increases in Medicare premiums — the portion of a retiree’s check that the government deducts to cover health-care expenses. The premiums for 2013 haven’t been announced yet (Mitchell, 10/16).
Source: kaiserhealthnews.org

Video: Social Security Disability Medicare FRAUD

Fact Check on Medicare Advantage

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

Tricare Help – I’m on Medicare disability and TFL; do I have to buy Part B?

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Source: militarytimes.com

Health Benefits Through Medicare

In July 30, 1965, a momentous event happened when the Social Security Act of 1965 was signed into law by President Lyndon B. Johnson as revisions to the existing Social Security legislation. The Act includes two very important provisions: Medicaid and Medicare. The latter, being the topic of this article, is a health insurance program given by the government of the United States of America to its citizens. The program covers people who are 65 years old and below and even those who are under 65 years old but with physical disabilities or congenital disorders. Medicare enrollment is easy as long as required documents are provided. In general, people who are 65 years old and above are entitled for the health insurance program given that they have been residents of the country for five years or more. People under 65 years old but with disabilities and disorders can be worthy to the program as long as they show their Social Security Disability Insurance (SSDI) benefits. SSDI is a government-funded program, which provides additional income to those who are restricted to work because of their physical disability. Medicare enrollment is also open to people who have serious medical conditions such as kidney failure and cancer. There are different parts of Medicare where one can enroll in. Medicare Part A provides inpatient care, skilled nursing facility care, hospice care services, home health care services, hospital fees, some minor tests, and food. Most people already paid their Medicare taxes when they were still working. Medicare Part B, on the other hand, gives help to patients who necessarily need the doctors’ services, outpatient care, and home health service. In some cases, it also covers preventive services for serious sicknesses. Part B also covers the tests and services like pneumonia and influenza vaccinations, blood transfusion, kidney dialysis, organ transplantation, chemotherapy. Part B also provides equipment for seriously-ill or impaired people by giving canes, strollers, wheelchairs, and prosthetic equipment such as prosthetic limbs, artificial breast and even eyeglasses after eye surgery. Medicare enrollment is also possible for Part C and Part D. Basically, Part C is also called the Medical Advantage Plan and can be received as part of one’s membership in Medicare. The advantage plan provides help for the services needed in both Part A and B like the tests, home health services and also other wellness program for vision, dental and hearing. Finally, Part D is another plan in Medicare that offers plan for prescription drug. This part, also known as Medicare Prescription Drug Coverage gives the patient help in getting prescribed drugs at a lower price. These are the benefits one can get if he or she decides to enroll in Medicare. Application for Medicare is available in the nearest health center in your area or through online. To apply, one has to be at least 64 years old and 8 months old, do not have any Medicare coverage, and live in the United States or one of its territories. Health is wealth, so apply now and receive health benefits. If you are looking for the best enrolling in medicare and medicare health insurance, 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/ enrolling in medicare and http://www.medicarerep.com/ medicare health insurance, visit our site for more tips and information. Contact us for free medicare advice.
Source: abcarticledirectory.com

Medicare Open Enrollment Underway

Medicare’s open enrollment period is now underway, giving current or newly eligible Medicare beneficiaries the opportunity to sign up for benefits or make changes to existing coverage.   The open enrollment period began Oct. 15 and continues until Dec. 7. And, as senior citizens review or consider changing their Medicare benefit plans, Attorney General Dustin McDaniel issued this consumer alert today to help consumers as they navigate their Medicare options.   A recent survey by the Kaiser Family Foundation showed that nearly one in four American senior citizens were unaware of their annual opportunity to review or change Medicare coverage. More than a third of seniors surveyed said they review or compare coverage options only once every few years, rarely, or never.   “Medicare beneficiaries have the option every year to review the coverage that’s right for them, depending on their health-care needs,” McDaniel said. “As with any insurance product, it’s always good practice to shop around for the best plan.”   In addition to typical Medicare coverage, beneficiaries must join a Medicare Prescription Drug Plan (Medicare Part D), unless they have prescription coverage under another recognized plan. Beneficiaries may choose to enroll in a Medicare Advantage Plan, which operates like an HMO or PPO and may also include a prescription drug benefit.   To select a plan, compare plans and coverage, or estimate costs, visit www.medicare.gov. Senior citizens are encouraged to make changes as soon as possible to allow coverage to begin uninterrupted on Jan. 1, 2013.   Beneficiaries may be able to join other types of Medicare health plans as well. Click here for more information on how to select a plan.   Medicare beneficiaries may also call a 24-hour hotline, (800) MEDICARE, with questions about coverage options. In Arkansas, the Senior Health Insurance Information Program, or SHIIP (click here) is available to assist Medicare beneficiaries.   McDaniel noted that his Consumer Protection Division often sees an uptick in Medicare-related scams during the open enrollment period. He urged beneficiaries and their families to use caution when sharing sensitive personal or financial information.   Scammers in the past have asked Medicare beneficiaries for information such as bank account numbers or Social Security numbers over the phone. Medicare rules prohibit these types of calls, though. No beneficiary should provide that type of information to someone who calls them, no matter whether the caller sounds official.   The Attorney General’s Consumer Protection website (click here) offers tips and resources to help consumers avoid Medicare-related scams and other types of scams and fraud. Consumers may also download a free, electronic copy of the Medicare Protection Toolkit on the website.
Source: arkansasmatters.com

What Are the Medicare Eligibility Requirements?

Once reaching the age of 65 years old a person qualifies for medicare. One must also be a US citizen or a permanent legal resident. One of the last requirements is having paid into the medicare system while working. The general rule is having paid into the social security system with approximately 10 years of work, or 40 credits. An individual may also qualify off of their spouses working if necessitated. The spouse must be at least 62 and the qualifying individual must still meet the 65 year requirement. With additional proof an individual may also qualify based on the work benefits of a deceased or divorced spouse.
Source: seniorcorps.org

Work at Home: Claims Team Lead Job with Sedgwick CMS

Sedgwick CMS is seeking a work-at-home claims team lead to analyze claims, determine benefits due, work with high exposure claims involving litigation and rehabilitation, and more.  You must have a college degree and a minimum of three years of claims management experience, as well as appropriate certification and licenses.
Source: workathomemomrevolution.com

Knowing What Medicare and Medicaid Does For You

Medicare and Medicaid are two different program and many confuse the two. Medicaid is governed by each state and it is a health and medical service program for families and individual with limited resources and income. Each state, however, has its own eligibility requirements, has its unique scope of services including type, amount and duration. The rates of payment for services and administration of medical program differs from one state to another. Medicare on the other hand is a federal health insurance program. It is for elderly people, aged 65 and above. It pays for their medical care and hospital expenses. Lastly, it is for Americans who cannot work because they are permanently disabled and needs medical care and attention. Medicaid covers disabled people who are below 65 as well as people who are over 65. It covers pregnant women and children below 19 years of age. You can apply for a Medicare health insurance at your local Social Security office while Medicaid application can be made at your state’s Medicaid agency. Anyone can both apply for Medicare and Medicaid but not all are qualified. Those who qualify for both are those “dual eligible”. They can use their Medicaid to pay for their Medicare premiums. Medicare consists of four specific programs A, B, C and D. It provides medical insurance and money to pay for hospital expenses and medications. It is a medical insurance garnered from people’s tax. It provides medical benefits for those who are enrolled in this government program. Even though Medicare is primarily for persons who are 65 and above, there is an exemption to this. People under 65 years of age are qualified for Medicare if they are disabled and had permanent kidney failure that needs regular dialyses or is in the need of a kidney transplant. Aside from the age requirement, a person must be a U.S. citizen or is a legal resident of the United States of America for 5 years and has at least 10 years of payment contribution to the Social Security System. Medicaid is more specific in its requirements for eligibility. Since it is required to cover certain individuals, they are careful in selecting those who qualify. Certain income must be met and, certain disability and certain Medicare beneficiaries are screened. Other requirements are age, disability status and asset as well as citizenship. Payments are sent directly to health care providers of its members. These requirements should be met so the federal government can match its funds. It imposes copayment on some medical services, however, emergency services and family planning services are exempted. Medicare and Medicaid are both government health insurance that helps its members pay for their medical bills. They just differ in guidelines and how they pay for your medical expense. It is important to know the difference of these two. You can benefit from them by knowing all the important information and know where the tax you pay to the government is going. Each and every people are entitled from these medical health programs as long as you are a tax paying citizen of the United States of America. If you are looking for the best medicare insurance and medicare supplement, 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 insurance and http://www.medicarerep.com/ medicare supplement, visit our site for more tips and information. Contact us for free medicare advice.
Source: abcarticledirectory.com

Altius Health Plans Altius Advantra Medicare Review

Posted by:  :  Category: Medicare

Altius Health Plans offers Medicare health insurance programs for residence of Utah and a county in Wyoming.  Altius Advantra and Altius Advantra Preference are Medicare Advantage HMO plans available in Box Elder, Cache, Daggett, Davis, Duchesne, Morgan, Rich, Salt Lake, Summitt, Tooele, Wasatch, and Weber counties in Utah as well as Uintah county in Wyoming.  Altius Advantra is an HMO-POS plan, and Altius Advantra Preference is a plain HMO only available in Davis, Salt Lake, and Tooele counties.  The coverage does include Part D drug coverage as well as health benefits.  Below is a review of the benefits they offer:
Source: medicare-plans.net

Video: How Much is Chiropractic Therapy Without Insurance: Burlington NC Chiropractor

Advantra Medicare Advantage Changes

A major benefit of an Advantage plan is having a limit on your annual maximum out-of-pocket costs but the required coinsurance feature makes it a lot more likely that you will need this benefit compared to other Advnatra Medicare Advantage plans.
Source: affordablemedicareplan.com

Do You Have An Advantra Freedom Medicare Plan??

[…] You can blame this on your congressmen, senators, and yes even the president. The funding for medicare and Medicare has been drastically cut causing  some companies to raise rates and lower benefits. Other companies have simply decided to drop out of the market (which produces less competition). I would suggest writing a letter to your congressman or senator.Source: wordpress.com […]
Source: wordpress.com

Coventry Health Care Adds Cornerstone Health Care (P.A.) to their Advantra Medicare Advantage Provider Network in North Carolina.

Cornerstone Health Care has nearly 300 providers (including primary care and specialty physicians, and mid-level professionals) in more than 70 locations in High Point, Winston-Salem, Greensboro, Summerfield, Thomasville, Archdale, Trinity, Jamestown, Kernersville, Lexington, Asheboro, and Advance.
Source: agentpipeline.com

insurance: MEDICARE ADVANTAGE/MEDICARE HEALTH PLANS

Medicare Advantage/Medicare Health Plans SHIIP Publications: Frequently Asked Questions About Medicare Advantage PFFS Plans Is A Medicare Advantage Private-fee-for-service Plan Right For Me Medicare Advantage Comparison Guide (2008) Your Guide To Medicare Private-fee-for-service Plans Medicare Advantage Summaries of Benefits SHIIP Publications: Aarp Medicarecomplete Choice Aarp Medicarecomplete Plus Plan 1 Aarp Medicarecomplete Plus Plan 2 Advantra Freedom – Plan 1, Plan 2 (005), Plan 5 (001) Advantra Freedom – Plan 2 (010),plan 3 (006-013), Plan 5 (002) Advantra Savings (msa) – Plan 1 Aetna Medicare Open Plans America’s 1st Choice – Patriot Plus And Presidential Plus America’s 1st Choice – Patriot-presidential Blue Medicare HMO Plans Blue Medicare PPO Plans Cigna Medicare Access Plans One, Two And Three – Version A Cigna Medicare Access Plans One, Two And Three – Version B Cigna Medicare Access Plans One, Two And Three – Version C Cigna Medicare Access Plans One, Two And Three – Version D Evercare – Dh – Special Needs Plan Evercare – Ih – Special Needs Plan Evercare – Mh – Special Needs Plan Fidelis – Secure Comfort – Special Needs Plan Fidelis – Secure Comfort Plus – Special Needs Plan Fidelis – Secure Independence – Special Needs Plan Health Net Pearl – Plans 009-014-015 Healthmarkets Care Assured Plans Humana – Special Needs Plan Humana Goldchoice – H1804 -216 Sb08 Humana Goldchoice – H1804-007 Sb08 Humana Goldchoice – H1804-016 Sb08 Humana Goldchoice – H1804-217 Sb08 Humana Goldchoice – H1804-278 Sb08 Humana Goldchoice – H1804-279 Sb08 Humanachoiceppo – H3405-001 Sb08 Humanachoiceppo – H3405-002 Sb08 Humanachoiceppo – Regional – R5826-003 Sb08 Securehorizons Medicaredirect Plan 3 Securehorizons Medicaredirect Plan 3a Securehorizons Medicaredirect Rx Plan 51 Securehorizons Medicaredirect Rx Plan 51a Securehorizons Medicaredirect Rx Plan 54 Securitychoice Classic-enhanced-plus-enhance Plus – Area A – Securitychoice Classic-enhanced-plus-enhanced Plus – Area B Securitychoice Essential-essential Plus Southeast Community Care – Dual Plus Plan – Special Need Plan Southeast Community Care – Plus Plan Sterling Option I Sterling Option Ii Sterling Option Iii Sterling Option Iv Today’s Options – Basic Plus, Value Plus, Premier Plus Today’s Options – Basic, Value, Premier Today’s Options Powered By Ccrx Unicare 2008 Msa Summary Benefits WelLCare Benefit Summary A WelLCare Benefit Summary B WelLCare Benefit Summary C WelLCare Benefit Summary D WelLCare Benefit Summary E
Source: blogspot.com

HealthAmerica Opens Health Insurance Kiosks in Local Malls

With over 36 years of providing health care benefits, HealthAmerica has earned a reputation as one of the most trusted and experienced health insurers in Pennsylvania. The company ranks 14th in the nation for HMO and POS plans by the National Committee for Quality Assurance, and its Medicare plan ranks 28th nationally. It has ranked among the top health plans by NCQA for six consecutive years. HealthAmerica provides a range of traditional and consumer-directed health insurance products, including self-funded, Medicare, Medicaid, indemnity, nongroup, and pharmacy plans. It currently has “Excellent” accreditation by the NCQA for its commercial HMO, POS, and Medicare plans. HealthAmerica’s corporate offices are in Harrisburg, Philadelphia, and Pittsburgh, Pennsylvania. For more information, visit HealthAmerica’s website at www.healthamerica.cvty.com.
Source: pymnts.com

Emdeon Current: New Payer Transactions Added Recently

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Group Health Plan – Cmr, Payer ID: 184 Health America Inc./Health Assurance/Advantra, Payer ID: 148 Healthcare Usa, Payer ID: 186 Mhnet Behavioral Health, Payer ID: 514 Mhnet Behavioral Health, Payer ID: Covty00514 Mail Handlers Benefit Plan, Payer ID: 251 Mail Handlers Benefit Plan, Payer ID: Covty00251 Omnicare, Payer ID: Covty00413 Omnicare – A Coventry Health Plan, Payer ID: 413 Personalcare/Coventry Health Of Illinois, Payer ID: 179 Personalcare/Coventry Health Of Illinois, Payer ID: Covty00179 Southern Health Services Inc., Payer ID: 156 University Of Missouri, Payer ID: Covtycovum University Of Missouri, Payer ID: Covum Vista (MedicaID FlorIDa Health KIDs Long Term Care Products Only), Payer ID: 508 Vista (MedicaID FlorIDa Health KIDs Long Term Care Products Only), Payer ID: Covty00508 Wellpath, Payer ID: 164 Coventry Nebraska MedicaID, Payer ID: 511 Coventry Nebraska MedicaID, Payer ID: Covty00511 Ohio MedicaID, Payer ID: AID09 Ohio MedicaID, Payer ID: Oh Claim Satus And Response: Advantra Freedom, Payer ID: COVTY00453 Advantra Savings, Payer ID: 456 Advantra Savings, Payer ID: COVTY00456 Altius Health Plan, Payer ID: 364 Altius Health Plan, Payer ID: COVTY00364 CHC Carelink, Payer ID: COVTY00160 CHC Carelink MedicaID, Payer ID: COVTY00182 CHC Carenet, Payer ID: COVTY00190 CHC FlorIDa/VISTA/Summit, Payer ID: 512 CHC FlorIDa/VISTA/Summit, Payer ID: COVTY00512 CHC Group Health Plan (GHP), Payer ID: COVTY00184 CHC Health America / Health Assurance Of Pennsylvania (HAPA), Payer ID: COVTY00148 CHC Southern Health Services (SHS), Payer ID: COVTY00156 CHC Of Delaware, Payer ID: COVTY00166 CHC Of Georgia, Payer ID: COVTY00154 CHC Of Health Care Of USA (HCUSA), Payer ID: COVTY00186 CHC Of Iowa, Payer ID: COVTY00170 CHC Of Kansas, Payer ID: COVTY00172 CHC Of Louisiana, Payer ID: COVTY00158 CHC Of Nebraska, Payer ID: COVTY00176 CHC Of The Carolinas / Wellpath, Payer ID: COVTY00164 Carelink Advantra, Payer ID: 160 Carelink Health Plan, Payer ID: 160 Carelink MedicaID, Payer ID: 182 Carenet, Payer ID: 190 Coventry Advantra (Texas New Mexico Arizona), Payer ID: 504 Coventry Advantra (Texas New Mexico Arizona), Payer ID: COVTY00504 Coventry Health Care Federal, Payer ID: 509 Coventry Health Care Federal, Payer ID: COVTY00509 Coventry Health Care Of Delaware Inc., Payer ID: 166 Coventry Health Care Of Georgia Inc., Payer ID: 154 Coventry Health Care Of Iowa Inc., Payer ID: 170 Coventry Health Care Of Kansas Inc., Payer ID: 172 Coventry Health Care Of Louisiana Inc., Payer ID: 158 Coventry Health Care Of Nebraska Inc., Payer ID: 176 Coventry Health And Life (Oklahoma), Payer ID: 441 Coventry Health And Life (Oklahoma), Payer ID: COVTY00441 Coventry Health And Life (Tennessee Only), Payer ID: 455 Coventry Health And Life (Tennessee Only), Payer ID: COVTY00455 Coventry Health And Life-Nevada, Payer ID: 505 Coventry Health And Life-Nevada, Payer ID: COVTY00505 Coventry Healthcare National Network, Payer ID: 250 Coventry Healthcare National Network, Payer ID: COVTY00250 Coventry-Missouri, Payer ID: 507 Coventry-Missouri, Payer ID: COVTY00507 Coventrycares, Payer ID: 510 Coventrycares, Payer ID: COVTY00510 Coventryone, Payer ID: COVON Coventryone, Payer ID: COVTYCOVON Diamond Plan, Payer ID: 177 Diamond Plan (MD MedicaID), Payer ID: COVTY00177 Group Health Plan – CMR, Payer ID: 184 Health America Inc./Health Assurance/Advantra, Payer ID: 148 Healthcare USA, Payer ID: 186 Mhnet Behavioral Health, Payer ID: 514 Mhnet Behavioral Health, Payer ID: COVTY00514 Mail Handlers Benefit Plan, Payer ID: 251 Mail Handlers Benefit Plan, Payer ID: COVTY00251 Medical Mutual Of Ohio, Payer ID: 211 Medical Mutual Of Ohio, Payer ID: MMO00211 Omnicare, Payer ID: COVTY00413 Omnicare – A Coventry Health Plan, Payer ID: 413 Personalcare/Coventry Health Of Illinois, Payer ID: 179 Personalcare/Coventry Health Of Illinois, Payer ID: COVTY00179 Southern Health Services Inc., Payer ID: 156 University Of Missouri, Payer ID: COVTYCOVUM University Of Missouri, Payer ID: COVUM VISTA (MedicaID FlorIDa Health KIDs Long Term Care Products Only), Payer ID: 508 VISTA (MedicaID FlorIDa Health KIDs Long Term Care Products Only), Payer ID: COVTY00508 Wellpath, Payer ID: 164 Coventry Nebraska MedicaID, Payer ID: 511 Coventry Nebraska MedicaID, Payer ID: COVTY00511 For a complete list of the payers in our network, visit our website at www.emdeon.com/payerlists/
Source: blogspot.com

Pennsylvania Health Insurance

HealthAmerica’s Commercial and Medicare Advantage Plans Among Tops in Nation for Quality and Service on U.S.News & World Report/NCQA “America’s Best Health Plans 2008-09″ List Harrisburg and Pittsburgh, Pa. – November 10, 2008 — HealthAmerica’s HMO, POS, and Medicare Advantage plans were ranked among the nation’s top 20 best commercial and Medicare health plans according to a joint ranking by U.S.News & World Report and the National Committee for Quality Assurance (NCQA). Nationally, HealthAmerica was ranked 12th among 287 commercial plans; HealthAmerica’s Medicare Advantage plan, Advantra, ranked 18th among 216 plans nationally. HealthAmerica and HealthAmerica Advantra have ranked as one of the top 50 best health plans in the U.S. News/NCQA “Americaýs Best Health Plans” list* every year since 2005. “We are honored to be recognized among the best health plans in the nation,” said Kirk E. Rothrock, president and chief executive officer of HealthAmerica. “We are dedicated to providing the best possible quality and service, so we are pleased to see our efforts recognized by NCQA, U.S. News and World Report, and, most importantly, by our members and our customers.” The National Committee for Quality Assurance and U.S.News and World Report collaborated to rank the nationýs best commercial, Medicare, and Medicaid health plans. The ranking appears in the November 17 issue of U.S.News and on its website www.usnews .com/healthplans HealthAmerica”s and Advantra”s rankings are based on their Healthcare Effectiveness Data and Information Set (HEDISý)** 2008 scores and the results of a Consumer Assessment of Healthcare and Provider Systems (CAHPS) survey of members. HEDIS is a set of standardized performance measures covering effectiveness of care, preventive care, treatment, and customer satisfaction. CAHPS is a standardized survey in which members rate the quality of care and service that they receive from doctors, specialists, office staffs, and insurers. In these ratings, HealthAmerica’s commercial health plans were rated higher than the national average in all 15 key measures of medical services and member satisfaction and higher than the Pennsylvania state average in 12 of the 15 key measures***. HealthAmerica’s HMO, POS, and Medicare Advantage plans’ status of “Excellent” from NCQA was also a factor in determining the U.S. News/NCQA “America’s Best Health Plans 2008″ ranking**** The U.S.News/NCQA “Americaýs Best Health Plans 2008″ list is drawn from measures of prevention, treatment, and customer experience. These measures are compiled in NCQA”s Quality Compass 2008*****, which publicly reports comparative results of more than 400 commercial health plans covering 85 million Americans. Health plans throughout the country were evaluated on issues such as access to care, prevention efforts, treatment of diseases such as diabetes and heart disease, and members were surveyed on their satisfaction to calculate an overall quality score. * “America’s Best Health Plans” is a trademark of U.S. News & World Report. **HEDIS is a registered trademark of the National Committee for Quality Assurance (NCQA). ***The source for this data is Quality Compass 2008 and is used with the permission of the National Committee for Quality Assurance (NCQA). Quality Compass is a registered trademark of NCQA. NCQA is a private, non-profit organization dedicated to improving health care quality. The 12 measures are: Child immunization (combo II), well child visits 3 to 6 years, colorectal cancer screening, prenatal care, first-trimester postpartum care, cervical cancer screening, breast cancer screening, diabetes-lipid profile (screen), controlling hypertension, cholesterol screening for patients with cardiovascular conditions, rating of all health care, rating of health plan. ****National Committee for Quality Assurance accreditation outcomes are: Excellent, Commendable, Accredited, and Denied. Applies to HMO and POS plans. *****Quality Compass is a registered trademark of NCQA. NCQA is a private, non-profit organization dedicated to improving health care quality. About HealthAmerica For over 33 years, HealthAmerica has provided health benefit solutions to employers across Pennsylvania. HealthAmerica offers a broad range of traditional and consumer-directed health insurance products, including managed care, HSAs, self-funded, Medicare, indemnity, nongroup and pharmacy plans. Serving 12,000 businesses and over 660,000 members as of December 31, 2007, in Pennsylvania and Ohio, HealthAmerica offers progressive medical management, innovative wellness programs, and statewide and national provider networks. HealthAmerica is ranked as one of “Americaýs Best Health Plans, 2006″ by U.S. News & World Report; its HMO and POS products have an “Excellent” accreditation by the National Committee for Quality Assurance. HealthAmerica has corporate offices in Pittsburgh and Harrisburg, Pennsylvania, and employs over 2,200 people in the commonwealth.
Source: blogspot.com

HealthAmerica ranked top 20 by U.S. News & World Report

HealthAmerica provides its members with a greater combination of health benefits and services for their money suitable to their needs and wants. They offer more health benefits, like coverage for most preventive health services, including periodic checkups, coverage for hospital and surgical care, emergency care worldwide, and chiropractic services. They offer access to over 35,000 providers in Pennsylvania and Ohio and more than 350 hospitals.  As a member, you are also entitled to the WellBeing program. This program offers free wellness programs and discounts on a wide range of products and services such as:
Source: healthplanone.com

Kathie Bracy’s Blog: Article: The Trouble With Medicare Advantage

Fillman goes on to explain: “The new accounting rules issued by the Governmental Accounting Standards Board (GASB) place a tremendous strain on public retiree health benefits and add to the lure of these private Medicare plans. The GASB rules require public employers to estimate future costs of their retiree health benefits – 35 years into the future – and publish them on their annual financial statements. To reduce this paper liability, more public employers are proposing a switch from their own solid retiree health plans, which include traditional Medicare, to these private Medicare plans. This is a major factor in public employers’ decisions to switch to Medicare Advantage private fee-for-service plans.
Source: blogspot.com

VIDEO: Kuster Talks Medicare in Salem

Posted by:  :  Category: Medicare

Kuster spoke to about 10 seniors at the Greystone Farm assisted living facility on Main Street Monday morning and read excerpts from the book she wrote with her mother, former longtime state legislator Susan McLane, called “The Last Dance: Facing Alzheimer’s with Love & Laughter.”
Source: patch.com

Video: Annie Kuster’s TV ad: Medicare

Update on NH Medicaid Managed Care Plan

To implement its plan for managed care of Medicaid services in New Hampshire, the NH Department of Health and Human Services (DHHS) needs approval from the federal Centers for Medicare and Medicaid Services (CMS). This late September letter from CMS to DHHS is a status report on the approval process. To read, click here.
Source: oneskyservices.org

Romney, Ryan to discuss Medicare with NH voters

Republican presidential candidate, former Massachusetts Gov. Mitt Romney eats ice cream after making a stop at Millie’s before a fundraising event on Saturday, Aug. 18, 2012 in Nantucket, Mass. (AP Photo/Evan Vucci)
Source: washingtonexaminer.com

CMS Raises Questions About N.H. Medicaid Reimbursement; Other Medicaid News

California Healthline: State Health Officials Intrigued By New Medi-Cal Data Last week, the California HealthCare Foundation, which publishes California Healthline, released a survey of the attitudes and concerns of Medi-Cal beneficiaries. It has been a relatively long time since a similar survey was completed in 2000, so state health care officials were extremely pleased to get updated information, (Len Finocchio, director of the Department of Health Care Services) said. … One of the main general findings in the current survey is that beneficiaries are pretty happy with Medi-Cal. According to survey results, about 90 percent of the Medi-Cal insured have a positive view of the program and 78 percent said the program covers the care people need (Gorn, 6/5).
Source: kaiserhealthnews.org

Daily Kos: Insurers hoping for billions in Medicare profits back Paul Ryan budget supporters

Health insurers love the idea of the Romney/Ryan plan to turn Medicare into a voucher system. They love it so much that they are rewarding all of the Republicans who voted for it, according to new analysis by Public Campaign Action Fund (PCAF) and Health Care for America Now (HCAN). A Romney-Ryan victory coupled with a Republican takeover of the Senate would boost health insurance company stock prices by 10 to 20 percent, according to Citigroup analyst Carl McDonald. Based on share prices on Aug. 18, the day McDonald published his report, a GOP sweep in Washington would quickly jack up the total market value of the 10 largest health insurers by $12 billion to $25 billion. […]
Source: dailykos.com

Letters: Jennifer Horn All Wrong on Medicare Analysis

Fourth, by pledging to “restore” the $716 billion in savings, Romney will move the date of exhaustion of the trust fund back to 2016, reopen the doughnut hole and remove the other benefits introduced by the ACA.  This will be a disaster for older adults.  Governor Romney’s supporters should ask him what he will do when the trust fund runs out in 2016.  One Romney advisor has suggested Romney might begin increasing the age of eligibility for Medicare. Clearly, this all makes a mockery of the pledge by Romney and Ryan that their Medicare proposals will not affect individuals over age 55. 
Source: patch.com

Beacon CEO on Paul Ryan’s Medicare proposal

Posted by:  :  Category: Medicare

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Source: beacontn.org

Video: Tennessee Medicare Supplement

White House: Medicare cuts to cost $11B

Under the Budget Control Act of July 2011, a supercommittee was charged with trimming $1.2 trillion over the next decade or else automatic cuts, split between domestic and defense programs, would go into effect, The Washington Post reported. Stalled by a political gridlock, the first round of automatic cuts is scheduled for January, only a few months away.
Source: msochealth.com

Blogs » TN Valley Grapevine

Biden’s attempt to lie about the glaring reality of the Iranian nuclear program fell flat. Iran is indeed four years closer to a nuclear weapon, and the Obama administration-believing it knew better than its predecessors-tried to reinvent the wheel on talks with Iran, causing frustration to our allies in Europe and the Middle East. Meeting after meeting this year has failed to produce results, and the loophole-filled sanctions, while hurting Iran somewhat, are not stopping its nuclear program.
Source: huntsvillegrapevine.com

Medicare Advantage HMO, PPO, and PFFS Plans For Medicare Beneficiaries: Catering Different Needs

Posted by:  :  Category: Medicare

When I'm 64 by MuffetSince I was still confused as to what to subscribe to, I asked my friends’ opinions and clarified some questions going around in my head. Anyhow, with the explanations I obtained from them, I reiterated it verbatim to my wife so we could then discuss and decide which plan to choose. Medicare Advantage HMO, PPO and PFFS Plans for Medicare Beneficiaries all have advantages and disadvantages. HMO stands for Health Maintenance Organization which, though referral is highly necessary, has a list of accredited health institutions and physicians. Should we end up with this plan, it is imperative for us to choose only the accredited ones. PPO, on the other hand, is Preferred Provider Organization which enlists a network of doctors that I chose. But then again, if a doctor outside the network is chosen, there’s a possible additional expense. Lastly, Private Fee-for-Service only needs consent from the doctor to accept all the terms and conditions including the fee covered for a certain service.
Source: boymechanicproject.com

Video: PFFS Medicare Private Fee For Service

What Is A Medicare Advantage PFFS Plan Anyway?

Medicare comes in many parts which offer different kinds of health plans as a way of ensuring that all needs in the market are well covered and everyone gets what he is or she is looking for in terms of medical cover. Most seniors find it difficult to decide which way to go in choosing the right medical cover and may even require assistance to ensure that what they get is what they initially had in mind. A Private Fee for Service shortened PFFS is a Medicare Advantage health plan offered by licensed entities and come with annual contracts for medical services. The beneficiaries get all Medicare benefits with this plan as well as any additional company benefits that are appropriate depending on the offers available. The beneficiaries work with a network of providers and have the right to choose the provider they feel is fit to receive payment from Medicare
Source: seniorcorps.org

Medicare Advantage Programs

Medicare Advantage Programs or Medicare Part C is one of Medicare’s supplement programs to compensate for additional needs of those insured under this medical plan. What is Medicare Part C all about? It combines the benefits that the insured can derive from both plans A and B of Medicare in cooperation with private insurance companies. This excludes hospice care. These are through PPO, HMO (also known as Private Fee For Service) healthcare plans. Under this plan, those that are being provided under plan D (prescription drug coverage) are also covered in Medicare Advantage plan. Here are the differences this program can make in other healthcare programs: 1. HMO(health maintenance organizations) Plans * In most cases, you are required to select primary care doctor * Referral is important under the said coverage and must be made by your primary physician to enable you to seek medical treatment from a specialist * The premium also covers prescription drugs, whether generic or branded medicines * Your health or treatment can only be given by the medical practitioners included in your HMO’s network 2. PPO (preferred provider organizations) Plans * Generic or branded prescription drugs are covered by the monthly premiums. * No referral by your primary doctor is required for you to see a specialist * You are not required to choose a primary care doctor. * You can choose your own physician or hospital even at higher cost. 3. PFFS (Private Fee For Service) Plans * In most cases you are required to enroll in a Medicare Prescription Drug Plan to qualify for coverage that includes prescription drugs * You can go to your preferred doctor or any hospital so long as it is accredited by Medicare. The said medical practitioner or hospital must be willing to accept PFFS plans * There is no need for your to choose a primary care doctor to qualify under this program * No need to be referred by your doctor to turn to a specialist for further check-ups Do these plans cover additional health care benefits? Yes, there are Medical Advantage Programs that will include * dental, * gym memberships * hearing, * vision, * Other health and wellness programs. What does a Medicare Advantage Plan Cost? Be aware that these programs receive a fixed amount to provide for your medical care. This is provided by CMS (Centers for Medicare& Medicaid Services). The costs that are being paid for your lab tests, medical services, and doctor’s fees are covered by CMS. The costs may include co-insurance and co-pays, monthly premiums and yearly deductible for prescribed drugs. How and when can one join in an Advantage plan? These individuals are eligible under this program if they are: * Covered by both Part A and Part B of Medicare * Reside in an where a plan is available Unfortunately not all states provide this type of medical plan so make sure that you search online to see if your state allows for this type of coverage. Medical Advantage Programs can really help in the reduction of your medical fees, but you must also see if this is the right coverage for you. If you are looking for the best medicare advantage plans and medicare advantage, 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 plans and http://www.medicarerep.com/ medicare advantage, visit our site for more tips and information. Contact us for free medicare advice.
Source: abcarticledirectory.com

Medicare Advantage PFFS Plans Slowy Disappearing

A new MIPPA law in 2008 required PFFS plans to start having a network in most counties starting in 2011.  The few counties that were excluded were typically rural counties.  This forced the PFFS plans to either drop their plan or go out and create a network.  The result was the PFFS plans being dropped for the most part.  You will be able to find some PFFS plans still in 2011, and there will be some in 2012 as well.  As stated before though, they are few and far between now.  Some Medicare beneficiaries will see this as an improvement since they will be able to use a directory to look up a doctor.
Source: medicare-plans.net

Are AARP MedicareComplete Drug Benefits Good Enough?

Enrolling in a Medicare Advantage plan with inadequate Part D benefits can negate any positive aspects of the medical benefits. When choosing MedicareComplete or any other plan it is important to focus on the Part D benefits and not get blinded by low premiums or low out-of-pocket costs for medical services.
Source: partdplanfinder.com

Shedding no tears for the decline of Medicare Advantage PFFS plans

But PFFS plans in particular came under fire even in the free spending Bush Administration days. Higher payments to Medicare Advantage plans in general and PFFS plans in particular were highlighted by the Medicare trustees as a key accelerator of Medicare’s insolvency date. It was also noted that increases in payments relative to traditional indemnity Medicare were highly correlated with the growth of PFFS plans. For example, an analysis in Health Care Financing Review estimated that “if Congress reduces payments to traditional FFS levels it would cause… 85 percent of PFFS plans to exit the market.” Patients who quit PFFS plans are likely to return to traditional Medicare rather than shift to other Medicare Advantage plans.
Source: healthbusinessblog.com

Medicare Advantage PFFS Plans

When an insurance company contracts with CMS to offer a Medicare Advantage plan,  it is for one contract year at a time. In addition the contract is on a County by County basis. Each year  insurance companies can assess the profitability of renewing their Medicare Advantage contract in each of the Counties that they offer plans.
Source: affordablemedicareplan.com

Cigna Cancels Medicare PFFS plans for 2011

This may be the first of many announcements from Medicare Advantage providers that they will not renew plans for 2011. New rules requiring companies to establish a provider network will prompt plans in all but a few counties to eliminate PFFS plans in 2011. 
Source: mysenioradvisorsgroup.com

Fewer Medicare Advantage Plans for Seniors

In the ongoing legislative tussle over how to trim the Medicare program to help pay for a health care overhaul, the Senate recently voted down an amendment by Senator Orrin G. Hatch, Republican of Utah, that would have blocked planned cuts to the subsidies that private insurers receive under the Medicare Advantage program. The extra money, 14 percent more per beneficiary on average than the government pays for seniors in traditional Medicare, has been targeted by the Democratic leadership and the White House as a giveaway to insurance companies that unfairly raises premiums for all Medicare beneficiaries.
Source: nytimes.com

Comparing Medicare Supplemental Insurance Benefits

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSThese 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 Supplement Plans | Compare Medicare supplement Health Plans

What Can You Do If Your Medicare Supplement Gets Too Expensive?

Medicare B has no cap on the co-insurance amount.  If your medical bills for the year are $100,000 you have to pay $20,000.  Medicare supplement insurance will pay that for you.  If you cancel your Medicare supplement insurance, you will have to use your retirement savings, Social Security or pension income to pay your medical bills.
Source: wordpress.com

Medicare open enrollment: What’s the best Medigap policy?

The difficulty for consumers is that the nature of Medigap makes it a lot harder to shop for than Medicare Advantage. Here’s why. Medicare Advantage plans are regulated and overseen on a national level. Medicare routinely collects all kinds of information on them about customer satisfaction and quality of care. In addition, the premium of a specific Medicare Advantage plan is the same for each customer. As a result, it’s possible (as I explained yesterday) to go to Medicare.gov and compare Medicare Advantage plans in detail, including quality ratings and price. It’s also why we can publish rankings of Medicare Advantage HMOs and PPOs through our partnership with the National Committee on Quality Assurance.
Source: consumerreports.org

Mayor’s Health Line Expands to Offer Medicare Counseling

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Source: wordpress.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

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

Xtreme Art and Entertaiment: View and Compare Medicare Supplement Insurance Online

Online Medicare Supplement Insurance help is never farther than a click or phone call away. Thankfully it is easier than ever to maneuver through the maze of Medicare Part A and Part B as well as the many Medigap plans used to fill in the holes. The first step when taking the leap into the world of Medicare is to find out as much as you can about what is covered and what is not by Medicare Part A and Part B. When it comes to taking the leap into gap insurance online advisors will guide you through what is available and help shop the Medigap market to find the best premiums that you qualify for. As rates change each year you will want to contact your online Medicare Supplement Insurance provider to get updates on lower rates from other Medigap Insurance providers. An online advisor is helpful in helping determine exactly what gap insurance program you should enroll in according to prior history and current lifestyle. An over view to Medicare Supplement Insurance plans will give clients the most basic look into the different plans available. A sample of the Supplement Insurance Plans Medicare has to offer is listed below. You can see just from glancing below how vary different the coverage is and why it is important to determine which plan is best on an individual basis. Medicare Supplement Plan F Medigap Plan F is the most comprehensive supplement plan available for 2012. 100% of the gaps left by Medicare Part A and Part B are covered under Plan F. Individuals are free to see any doctor or specialist, who accepts Medicare, without needing a referral. This plan allows individuals to pay nothing out of pocket for any Medicare approved expense. Plan F is the most widely used plan for Medicare participants. Medicare Supplement Plan G Medigap Plan G is often compared directly to Plan F; the main difference being that individuals pay the Medicare Part B deductible out of pocket as it is not covered by Plan G. Another popular option in Medicare Supplement Insurance plans to enroll in. Once the Medicare Part B deductible is covered, 100% of the Medicare Part A and Part B gaps are covered with Medigap Plan G. Lower premiums than Plan F. Medicare Supplement Plan N Similar to the above plans, Medicare Supplement Plan N offers the convenience of being able to be seen by any doctor that accepts Medicare without being part of a network. Lower monthly premiums than Supplement Plan F and Plan G. Cost-sharing option for emergency room visit co-pays, doctor visits co-pays up to $20 each visit after the Medicare Part B deductible has been met. When entering into the Medicare Supplement maze it is best to find a source for information that is reliable and up to date. Online Medicare Supplement Insurance advisors will help individuals find the best plan for your needs while offering the ability to compare rates from the hundreds of private insurance companies offering Medicare Supplement Insurance for sale. —————————————————- Senior Heath Direct offers individuals a chance to view and compare Medicare Supplement Insurance Plans Online. Visit http://www.seniorhealthdirect.com today to determine which Medigap plan best suits your lifestyle and explore rates from several Medicare Supplement Insurance providers. EasyPublish this article: http://submityourarticle.com/articles/easypublish.php?art_id=272415
Source: blogspot.com

Florida Blue Is New Name for BCBS of Florida

Posted by:  :  Category: Medicare

They are also trying to decrease or hold steady their Medicare supplement rates while competitor AARP is increasing their supplement rates by 5%.  This new approach is a welcome change from the old BCBS of Florida who seemed to rely on their name recognition and less on robust benefits or a value based approach.  In less than a week the new benefit information for 2013 will be released.  Starting on October 15th you will be able to enroll into one of the Florida Blue plans if you want.  I will have updated information on this site so check back regularly.  If you have not already, sign up for my free mini-course in the upper right hand corner!
Source: medicare-plans.net

Video: Excellus BCBS Medicare plan travels with you

California Medicare and the Blue’s

California is an interesting State in many ways and of course this uniqueness applies to our Blue Cross and Blue Shield relationship as it pertains to California Medicare supplement insurance plans. For most people in the U.S., Blue Cross Blue Shield is one company and in fact, the primary U.S. umbrella is BCBS together. Not so in California. In California, they are two separate carriers at the individual and family level which includes California Medigap plans. Let’s take a look at how this works and compare the two options. It’s pretty typical when some one moves to California and is interested in a California Medicare supplement plan to get confused. What do you mean Blue Cross OR Blue Shield? BCBS together is the norm in most States traditionally with one covering the facility based care while the other covering physician costs much akin to how Medicare looks at costs with Part A and Part B under traditional California Medicare. In California, Anthem Blue Cross of California is a separate carrier altogether from Blue Shield of California although they both participate in the Blue Card network and fall under the Nationwide affiliation of the BCBS group. That’s as far as the connection goes however between the two in California unless you’re on large group or government insurance where they still operate in the traditional means. So what does all of this mean if we’re looking for a California Medicare supplemental plan? It’s good news to California Medigap shoppers since we now have two strong competitors instead of one. One major issue in other States is that BCBS is so dominant and that’s never good for competition within the California Medicare market for those State’s residents. We do not have this issue. Both Anthem Blue Cross of California and Blue Shield of California offer a full array of Medigap plan offerings and ultimately, they have to compete with each other and the various strong California Medicare carriers in our State. There’s no downside to this in terms of keeping supplemental plan prices competitive since the underlying benefits are standardized by the Federal government anyway. Furthermore, both Anthem Blue Cross of California and Blue Shield of California have had long histories of offering California Medicare supplement plans as both come from a strong PPO background in the State which tends to lead to supplements as opposed to Medicare HMO’s. Where as some carriers came to the California supplement party late in the game when they saw the writing on the wall for the original Medicare HMO’s, Anthem Blue Cross and Blue Shield of California already offered and maintained California Medicare supplement plans for decades which is important. To really manage supplement plans well, you need claims experience or better yet, experience with claims over years to that your plan pricing has stability. Both carriers have this experience and as a result, they tend to have some of the most competitive pricing on the California Medigap plan market. Keep in mind that an F plan is an F plan regardless of the carrier so this makes it very easy to quickly quote and compare across many carriers including Anthem Blue Cross and Blue Shield of California. We’re happy to help you with this process and feel fortunate that our State has many options for California Medicare supplement plans including both of the Blues.

Study Finds Premium Support Plan Could Raise Medicare Premiums In Many Parts of Country

Posted by:  :  Category: Medicare

OBAMAS DEATH PANEL------ GUESS WHAT FOLKS IT'S ALIVE AND WELL---"CRAZY PALIN" NOT SO CRAZY NOW by SS&SSThe study modeled the impact of a generic version of premium support, under which beneficiaries would receive a defined subsidy, or voucher, to buy health insurance in a competitive market instead of getting a guaranteed set of benefits, as Medicare has traditionally provided. That payment would be tied to the second-lowest-cost plan offered in an area or traditional Medicare, whichever is lower. This kind of a change is a central part of the House Republican budget written by Rep. Paul Ryan of Wisconsin, now the GOP’s vice-presidential candidate, and it has also been embraced by GOP presidential nominee Mitt Romney. Even a few Democrats have flirted with such a plan as a way to leverage market efficiency to rein in the spiraling cost of Medicare.
Source: aarp.org

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Transforming Medicare into a Premium Support System: Implications for Beneficiary Premiums

The analysis does not attempt to model any specific proposal, but is generally based on an approach included in House Budget Chairman Paul Ryan’s fiscal year 2013 budget plan, the proposal Chairman Ryan co-sponsored with Senator Ron Wyden of Oregon, and; in the plan put forward by former Senator Pete Domenici and Dr. Alice Rivlin. In the first two proposals, people who are at least 55 years old, including current beneficiaries, would be exempt from the new system. Republican presidential nominee Gov. Mitt Romney has supported a premium-support system along these lines.
Source: kff.org

Study: Privatized Medicare would raise premiums

Like the Romney-Ryan plan, government health insurance payments for individual seniors would be tied to the cost of the second-lowest private insurance plan in their geographical area, or traditional Medicare, whichever is less expensive. Seniors could pick a private plan or a new public program modeled on traditional Medicare. But if their pick costs more than the government payment, they would have to pay the difference themselves.
Source: newson6.com

As Alaska Goes, So Goes…

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Source: ncpa.org