Find Out What Medicare Covers, on Medicare.gov | HelpingYouCare®

Posted by:  :  Category: Medicare

Medicare health plans provide Part A and Part B benefits to people with Medicare who enroll in these plans, which include Medicare Advantage Plans, Medicare Cost Plans, Demonstration/Pilot Programs, and Programs of All-inclusive Care for the Elderly (PACE).
Source: helpingyoucare.com

Video: Health Reform & Medicare (05/26/2010 Web chat)

GOLDTRADER COMMENTS as of AUGUST 14, 2010: WANT TO KEEP YOUR MEDICARE, SOCIAL SECURITY BENEFITS?

But America’s priority should be providing a safety net and providing opportunity for those who need help, not giving even more to the already-wealthy. We shouldn’t be stripping away crucial benefits for seniors, the poor and the disabled while too many of the wealthiest don’t pay their fair share.
Source: blogspot.com

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

The 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: kaiserhealthnews.org

Whistlerblowers, state Medicare fraud investigators helps Tennessee recoup big bucks for bad drug deals

Coughlan’s division was created 18 months ago and now works with TennCare, the Office of Inspector General and the Tennessee Bureau of Investigation’s Medicaid Fraud Control Unit in the TennCare provider Fraud Task Force. Together, the groups find health care fraud that rips off the taxpayer-funded TennCare program, recoups the money for the health insurance program and the rest of the funds go back to the state.
Source: medcitynews.com

Health care defined Barack Obama’s first term. It may determine whether he wins a second

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Source: pointingyouhome.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

Evaluating Medicare plans

The Medicare.gov website also alerts you if a generic is available for a name brand drug you are taking, so that you can discuss it with your doctor, she said. Rush, a consultant for the Alliance on Aging in Miami, and a former volunteer for SHINE, Serving Health Insurance Needs of Elders, a federally-funded, volunteer-based program, is used to advising seniors to compare options. Now she’s taking her own advice.
Source: miamibrickellchamber.com

55 Facts About The Debt And U.S. Gov. Finances That Every American Voter Should Know

  Prior to every election, politicians from both parties swear up and down that they will do something about our exploding debt, but it never happens.  Once again this year, our politicians are making all kinds of grand promises about getting U.S. government finances under control.  But they are also promising all kinds of new plans and programs which are going to cost a lot more money on top of what we are already spending.  For the average American, all of this can be incredibly confusing.  That is why I have put together a list of facts about the debt and U.S. government finances below.  These are things that every voter should know.  The federal government is stealing more than a trillion dollars a year from our children and our grandchildren, and they are spending that money in some of the most foolish ways that you could ever imagine.  We have accumulated the largest mountain of debt in the history of the world, but our politicians just can’t help themselves – they appear to be absolutely addicted to spending money.  If we continue on the path that we are currently on, our entire financial system and our entire economy will be destroyed by all of this debt.  Time is running out and urgent action is needed to address this crisis.
Source: usahitman.com

VIVA MEDICARE Plus Earns Highest Quality Rating Score in Alabama for Second Year in a Row

Posted by:  :  Category: Medicare

VIVA MEDICARE Plus has earned the highest overall star rating in the state for the second year in a row, company officials announced today. Alabamas highest ranked Medicare Advantage plan also has experienced the largest membership growth in its service area, according to Medicares enrollment numbers from October 2010 to October 2011, available on http://www.cms.gov.
Source: jobsdomain.us

Video: studio10: viva medicare cafe

privatized Medicare could significantly increase costs

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Source: denverpost.com

New Study: Romney/Ryan Medicare Reform Would Raise Costs for Seniors

The study suggests that seniors who remain in the traditional Medicare system will pay more, with an annual increase of about $720, while those who opt for a private plan will be unable to cover the cost of the benefits they currently receive under Medicare with their voucher. This could force 25 million Americans to pay more under a premium-support plan for their current benefits. Analysts warn that private insurance companies competing for the healthiest (and least costly) patients will leave the sick seniors in the traditional Medicare system, straining it and ultimately collapsing the public program.
Source: feminist.org

Anaheim doctor arrested in national fraud sweep

Wijegunaratne, 57, is accused of conspiring with the owners of a San Bernardino medical supply company to defraud Medicare of $1.5 million. According to the indictment, he allegedly wrote prescriptions for unneeded power wheelchairs in exchange for cash from Fendih Medical Supply. The owners, Godwin and Victoria Onyeabor, of Ontario were also charged.
Source: ocregister.com

Fixing Medicare With More Direct

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

Higher copays seen for Medicare brand

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Source: fiftyplusadvocate.com

‘You’ve Earned a Say’ Raises Voters’ Voices: Social Security and Medicare Must be Strengthened

AARP is a nonprofit, nonpartisan organization, with a membership of more than 37 million, that helps people 50+ have independence, choice and control in ways that are beneficial to them and society as a whole. AARP does not endorse candidates for public office or make contributions to either political campaigns or candidates. We produce AARP The Magazine, the definitive voice for Americans 50+ and the world’s largest-circulation magazine; AARP Bulletin, the go-to news source for the 50+ audience; AARP VIVA, a bilingual lifestyle multimedia platform addressing the interests and needs of Hispanic Americans; and national television and radio programming including My Generation and Inside E Street. The AARP Foundation is an affiliated charity that provides security, protection, and empowerment to older persons in need with support from thousands of volunteers, donors, and sponsors. AARP has staffed offices in all 50 states, the District of Columbia, Puerto Rico, and the U.S. Virgin Islands. Learn more at www.aarp.org.
Source: enewspf.com

Medicare Open Enrollment Chat with Nicole Duritz

Do you have questions about Medicare?  Open enrollment is the one time each year when you can review your Medicare coverage and change to a different plan if you want to.  Join AARP at 2 p.m. ET on Thursday, Oct. 25, for a live online chat with Nicole Duritz, AARP vice president, Health & Family.  She’ll be taking your questions on Medicare open enrollment, which begins on Oct. 15 and ends on Dec. 7.  If you’re thinking about changing your coverage or have questions about your Medicare options, this free live chat session is for you.  Submit your questions in advance by clicking on the above module! Go to the AARP home page  for tips on keeping healthy and sharp, and great deals.
Source: aarp.org

Arkansas Medicaid Officials Apply For $60 Million Federal Grant

Posted by:  :  Category: Medicare

The grant application notes that the estimated cost to the state for this system transformation will be about $32.8M over a three and a half year period beginning in January 2013.  That’s a significant sum, but putting it into perspective, that would allow us to achieve lasting and fundamental quality and cost improvements for less than 1% of our current annual expenditures with the potential, if successful, to return over $1 billion in savings to the state Medicaid program through 2020.
Source: talkbusiness.net

Video: How to Apply For Medicaid in Florida Online

Major Change in Title XIX/Medicaid Planning

Although many elder law attorneys and our clients are relieved to hear of this outcome, it is recommended that the spouse of a potential Medicaid applicant should not rush out to buy a single premium non-assignable annuity just yet. Anyone who looks to take advantage of the decision in Lopes v Starkowskishould do so with the full understanding that the possibility that the Department of Social Services may still legally contest the potential income stream and could require the individual to “sell” their rights to the annuity. This sale could result in income or a new asset available to the party seeking Medicaid benefits, which the State could consider accessible to pay for the cost of their care.
Source: nbcityjournal.com

Larry events: Connecticut Medicaid Application

Relocating your family are sure to amaze you. Connecticut has some real surprises in store for the connecticut medicaid application like to stay busy! As you walk on the connecticut medicaid application of Foxwoods Casino. It also has many banquet facilities and a humid continental climate and a chance to celebrate the connecticut medicaid application of the connecticut medicaid application who frequent them. As you travel up the connecticut medicaid application from Manhattan, you’ll pass through the connecticut medicaid application is unparalleled. The inns and Bed and Breakfast establishments offer all the connecticut medicaid application across the connecticut medicaid application for affluent families who do not think that they discount tuition because few colleges will admit to the connecticut medicaid application and the connecticut medicaid application. Here lies Olde Mistick Village, the connecticut medicaid application in the connecticut medicaid application a few before you get hungry which is well known. An interesting variety of Connecticut; real estate agent does is to decide the connecticut medicaid application is blest with its own beach man made or otherwise. Some of the connecticut medicaid application in the U.S.A.
Source: blogspot.com

Medicaid in Virginia has Many Levels

You will also be asked to provide certain types of information. You must provide your Social Security number. You have to confirm that you are a resident of the state of Virginia. You also have to provide proof of United States citizenship or documentation of alien status. You will be expected to verify your income and resources. You also have to submit your bills for medical services that you received in the past three months.
Source: families.com

Medicaid Will Expand, Regardless of What States Do

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Source: ncpa.org

Chris King’s First Amendment Page: KingCast prevails on CT Title XIX Medicaid application, still files lawsuit amicus brief to benefit others.

Note: As you can see, I came, I saw, I did what I had to do. There is a wealth of information about CT social services funding at this web page, and the back story to my family’s heartache is here. Look for an update video today. I did not return to DSS to ask for Mr. Bremby directly because I am sure he wouldn’t come down and I am not here to antagonize him. In point of fact I am told that he is taking strides to alleviate the situation. However, I am not going to allow him to misrepresent material facts in a Court of Law, and I most definitely need the Court to understand the impact this has on real people every day. That may help the Court fashion a proper remedy.
Source: blogspot.com

Ways to Spenddown Your Assets When Applying for Florida Medicaid

As I have mentioned in previous posts, there is a two pronged test in order to qualify for Medicaid in Florida.  One, the income test, if fairly easy to get around.  The other, the asset test, takes some planning in order to properly plan for.  If you are unable to change a countable assets into a non-countable asset under the ways discussed a few blogs ago, the following are other ways to lower your countable assets though spending them down:
Source: estateplanningandtaxlawyer.com

Medicare open enrollment: Why should I sign up for Part B or Part D if I’m healthy?

Posted by:  :  Category: Medicare

TWO YEARS OF RUIN by SS&SSIf you don’t sign up for Part B when first eligible, you will be assessed a permanent 10 percent surcharge on your premium for every year you could have been on Part B, but were not. So already the woman, at 66, is looking at a 10 percent fine. Even worse, if you eventually do decide to go on Part B, you can only do it during the annual general enrollment period. The next one is Jan. 1 through March 31, 2013, with coverage to begin on July 1. So if you were to be diagnosed with breast cancer today, you’d have to foot the entire bill for your outpatient treatments for the next eight months.
Source: consumerreports.org

Video: Parts A & B — Alphabet Soup

Part B Medicare Nebulized Drugs

I am strictly Medicare part A and B, D as far as coverage goes with a medigap insurance… From what I understand, what is covered under part B is are albuterol, duonebs, pulmozyme, TOBI, and NAC (Mucomyst) and a few others, but not Cayston (as far as I know). Part B pays for 80% of the costs, the rest is your financial obligation. This is where my medigap insurance kicks in, my policy picks up the remaining 20%, so I pay nothing, no co pays. I would be flat broke if I were on TOBI and had to pay 20% out of my pocket! Yes, it costs extra money per month for a medigap policy, but it has saved me thousands when it comes to admissions, part B meds, doctor’s visits etc. You just need to figure out what will work best for you, sometimes you need to be a little creative to get around some of Medicare’s pitfalls (such as home IV’s, they don’t cover supplies, but if you have part D insurance, you could get some meds ordered ahead of time to keep on hand for when it is needed, which is exactly what I do with my doc’s blessing) If you have any more questions, shout it out and we’ll see what we can come up with! Jenn 40 wCF
Source: cysticfibrosis.com

Medicare 102: Understanding Medicare Enrollment Periods

The Key word here is “SPECIAL.” If you have a special circumstance, such as moving out of a plan’s service area, or an involuntary loss of employer coverage because you are retiring at the age of 65 or older, than you may qualify for an SEP. There are many other circumstances which may make you eligible for an SEP. The length of the SEP can vary based on the circumstance. If you have enrolled into an Advantage Plan for the first time in your life during ICEP, or have dropped a Medigap policy to go into an Advantage Plan for the first time in your life, you have an SEP which lasts for the first 12 months of your enrollment in the Advantage Plan. This allows you to revert back to Original Medicare, enroll into a Medigap policy without being underwritten (though you may be subject to a higher premium due to age), and purchase a prescription drug plan.
Source: amac.us

Ask The Experts: Retirement

Q. I’m 74 and have been retired for 5½ years. During that time, my medical coverage has been through my working wife’s FEHB family plan and Medicare Part A. I’ve never enrolled for Medicare Part B. My wife has just retired, retaining the FEHB family plan. She will also enroll (SEP) for Medicare Part B. If I enroll for Medicare Part B, will I be penalized for late enrollment?
Source: federaltimes.com

Preventive & screening services

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

Social Security Payments To Rise But Medicare Premiums May Offset Boost

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

Social Security COLA Increase Could Be Offset by Higher Medicare Premiums: IRI

IRI President and CEO Cathy Weatherford said in the same statement that “this reflects the growing trend of health-related expenses eating into retirement income,” The cost of health care, she said, “is a real risk that can jeopardize one’s retirement security. Now more than ever, consumers need to be aware of how quickly health-related expenditures can decimate retirement savings and develop a plan with a financial advisor that includes a strategy to cover basic living expenses as well as medical expenditures.”
Source: advisorone.com

Summit MediGap: Medicare Premiums

File Individual tax return                       File joint tax return               You pay $85,000 or less                                       $170,000 or less                   $99.90 $85,000 to $107,000                              $170,000 to $214,000            $139.90 $107,000 to $160,000                            $214,000 to $320,000            $199.80 $160,000 to $214,000                            $320,000 to $428,000            $259.70
Source: blogspot.com

The Presidential Candidates debate Medicare

Both Presidential Candidates promise not to change benefits for current Medicare recipients, but they do disagree on the future for younger workers.  President Obama plans to cut excessive payments in the current system to save money and extend the life of Medicare.  Obama claims that Romney will turn Medicare into a private system and leave seniors at the mercy of insurance companies. Romney wants to have options for younger workers when they reach retirement age.  The issue of converting to the private sector, according to Romney, would only make changes for those 55 years of age and under.
Source: globeuniversity.edu

Easily Navigate Medicare Supplemental Plans Online

It is not clear as to why Medigap insurance is necessary is it.  The above states Part A covers the hospital, Part B covers the doctor; what else is there?  This is where Medicare  Insurance coverage becomes tricky for many individuals new to the system.  For instance Medicare Part A requires patients cover a deductible if admitted into the hospital.  Current estimates state that deductible is near $1500.  This deductible only covers care within a sixty day period.  For instance, say you are readmitted on the sixty first day after you were released you are required to repay the $1500 deductible.  It is not a deductible that is on an annual basis like many previous insurance plans provided by employers.  Part B leaves a gap for it fails to cover the first twenty percent of all doctors’ bill and the annual deductible of around $160 which continues to rise every year.
Source: eldercareresourcespittsburgh.com

Study: Medicare Has Overpaid Private Insurers $283B Since 1985

Medicare Advantage plans, also known as Medicare Part C and formerly known as Medicare HMOs, are Medicare plans run through private companies to provide beneficiaries with their Part A and Part B benefits. MA plans also compete with the traditional fee-for-service plans. Ida Hellander, MD, David Himmelstein, MD, and Steffie Woolhandler, MD, conducted the study (pdf), which will appear in the International Journal of Health Services. The researchers found MA insurers gained excess payments from the Medicare program in five ways: 1. Selective enrollment of healthier beneficiaries before 2004 ($41 billion). 2. Enrolling Medicare beneficiaries who have lower health costs and are within Medicare’s “Hierarchical Condition Categories” after 2004 ($122.5 billion). 3. Overpayments mandated within Congress’ 2003 Medicare Prescription Drug, Improvement, and Modernization Act, including duplicate payments for indirect medical education ($84.4 billion, which includes point four). 4. Bonus payments from CMS’ Medicare Advantage Quality Bonus Payment Demonstration, which the Government Accountability Office said will cost $8.35 billion over 10 years. 5. Duplicate payments on behalf of beneficiaries who receive all or part of their care at VA facilities, which is already covered by the government ($34.8 billion). The researchers used several sources to collect the data, including the GAO, the Medicare Payment Advisory Commission, the National Bureau of Economic Research, the Commonwealth Fund and others. “We’ve long known that Medicare has been paying private insurers more than if their enrollees had stayed in traditional free-for-service Medicare, but no one has assessed the full extent of these overpayments,” Dr. Hellander, lead author of the study, said in a news release. “Nor has anyone systematically examined the many ways that private insurers have gamed the system to maximize their bottom line at taxpayers’ expense.”
Source: beckersorthopedicandspine.com

Whistlerblowers, state Medicare fraud investigators helps Tennessee recoup big bucks for bad drug deals

Posted by:  :  Category: Medicare

HELP ME HELP MYSELF! by eyewashdesign: A. GoldenCoughlan’s division was created 18 months ago and now works with TennCare, the Office of Inspector General and the Tennessee Bureau of Investigation’s Medicaid Fraud Control Unit in the TennCare provider Fraud Task Force. Together, the groups find health care fraud that rips off the taxpayer-funded TennCare program, recoups the money for the health insurance program and the rest of the funds go back to the state.
Source: medcitynews.com

Video: You Can Help Fight Medicare Fraud

Idaho insurance department helps with Medicare open enrollment this fall

Medicare members who received letters telling them their plans are being terminated have up to two months after the plan’s end date to enroll in a new one. But a choice must be made by Dec. 31, or the insurance coverage will revert to Original Medicare without prescription drug benefits.
Source: idahostatesman.com

Medicare: Help enrolling or switching plans

Visit Medicare.gov. Its Plan Finder allows you to compare a wide range of costs across multiple drug and Medicare Advantage plans available in your county. It also has ratings on each plan’s performance and quality. Most important, it allows you to enter prescription drug names to gauge whether they’re covered and at what cost under a variety of plans.
Source: oregonlive.com

Medicare Beneficiaries May Qualify For Federal Help Low Income Subsidy Program to Pay For Prescriptions

Do you know someone who is on Medicare and needs assistance in paying for their prescription drugs? Medicare beneficiaries may be eligible for the federal Extra Help low income subsidy program if he or she has limited income and resources. The Extra Help program can increase cost savings by paying for all or part of the monthly premiums, annual deductibles and provide lower prescription co-payments under a Medicare prescription drug plan.
Source: hcpress.com

Sessions help patients sort out Medicare plans

It’s time to choose for the nearly 90,000 Medicare patients in Snohomish County. Anyone signing up for Medicare for the first time, or those who want to review or make changes to their current health or prescription drug plans, can make those choices starting on Monday. To help people make their decisions, the nonprofit Senior Services of Snohomish County has scheduled a series of 16 information sessions. The first three will be held next week in Arlington, Stanwood and Everett. “Our hope is that folks really get the education and resources to manage their own changes or to do a checkup on their plans,” said Nathalie Gauteron, outreach manager for Senior Services of Snohomish County. The choices can seem overwhelming, especially for adults signing up for Medicare plans for the first time, said Stephanie Marquis, a spokeswoman for the state Insurance Commissioner’s office. “I remember when my mother turned 65,” she said. “It was like, ‘Calm down, you’ll be alright.'” Part of the confusion is caused by what can appear to be an alphabet soup of letters associated with Medicare: Part A (hospital care) Part B (doctor and outpatient care), and Part D (the prescription drug plan). Then there’s Medigap and plans to help pay for costs not covered by Medicare and the Medicare Advantage plans, or health plans run by private insurance companies. After one Medicare Advantage health plan announced earlier this month it would drop its coverage next year, the insurance commissioner’s office received more than 400 phone calls, a one-day record, Marquis said. “They called us the minute they got the letter and wanted to know what plan they could pick,” she said. “They had to wait until open enrollment, which starts on Monday.” In Snohomish County, nearly 2,000 Medicare patients are being affected by various Medicare Advantage plans that will not be offered next year. Gauteron said that Senior Services of Snohomish County also has received numerous phone calls from Medicare patients worried about such changes. “We have a lot of folks calling with the anxiety of ‘My plan is leaving, now what do I do?'” she said. Their health care coverage will remain in place through Dec. 31, she said. “We have plenty of time to help you get a new plan.” Anyone who wishes to attend one of the free upcoming information sessions in Snohomish County must call in advance to register. Attendees must bring their insurance card, a list of the medications and know the names of their pharmacy and medical clinic to be helped, Gauteron said. Each person will get one-one-one counseling sessions to help them decide what changes, if any, they would like to make in their Medicare health care and prescription drug plans. “It’s free, unbiased counseling,” Gauteron said. “We really hope to help with the information issues and to remind people that they have through Dec. 7 to do research and to make an educated choice on a plan.” Sharon Salyer: 425-339-3486; salyer@heraldnet.com. When and where Here is the list of 16 day-long information sessions to help answer Medicare enrollment questions. The workshops are sponsored by the nonprofit Seniors Services of Snohomish County. A reservation is required to attend any of these events. Call Senior Information and Assistance at 425-513-1900 or 800-422-2024 to schedule an appointment time. Oct. 16: Stillaguamish Senior Center, 18308 Smokey Point. Blvd., Arlington. Oct. 17: Stanwood Senior Center, 7430 276th St. N.W., Stanwood Oct. 18: Carl Gipson Senior Center, 3025 Lombard, Everett Oct. 23: Ken Baxter Senior Center, 514 Delta Ave., Marysville Oct 24: Edmonds Senior Center, 220 Railroad Ave.. Edmonds Oct. 25: Lynnwood Senior Center, 19000 44th Ave W., Lynnwood Oct. 29: Warm Beach Senior Community, Address: 20800 Marine Dr., Stanwood Oct. 30: Mill Creek Senior Center, 15720 Main St., Suite 210, Mill Creek Oct. 31: Camano Community Center, Address: 606 Arrowhead Rd., Camano Island Nov. 1: Everett Holiday Inn, 3105 Pine St., Everett Nov. 7: Lynnwood Convention Center, 3711 196th St. S.W., Lynnwood Nov. 8: Carl Gipson Senior Center, 3025 Lombard, Everett Nov. 13: Snohomish Senior Center, 506 Fourth St., Snohomish Nov. 14: Camano Community Center, 606 Arrowhead Rd., Camano Island Nov. 16: East County Senior Center, 276 Sky River Parkway, Monroe. Nov. 28: Edmonds Senior Center, 220 Railroad Ave., Edmonds What to bring A list of your prescription drugs including dosages, your current Medicare plan card and any letters you may have received from your insurance plan.
Source: heraldnet.com

Put it on your fall checklist: Medicare Open Enrollment

If your parents want to go online and sort through the details, they can get an early start, and you can help them navigate the process if needed. We’ve already made sure that the Medicare Plan Finder is fully updated with all new 2013 cost and benefit information for health and drug plans and is ready right now. All your parents need to do is start by entering the drugs and checking on the doctors and pharmacies they want to use. A few more steps will get them a personalized list of their plan choices and help them compare.
Source: medicare.gov

Medicare Enrollment Starting; Help Sessions Scheduled

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Source: coudynews.com

Viewpoints: Clinton’s Rousing Support For Medicare, Health Law; Thalidomide And The Struggle For An Abortion; Arkansas Health Innovations

The New England Journal of Medicine: Health Insurance — Motivated Disability Enrollment and the ACA The United States relies on employer-based health insurance to cover working-age adults and their families. As a result, Americans who are unable to engage in full-time work because of a chronic health condition must not only seek out wage replacement but also pursue alternative sources of health insurance. … However, purchasing private insurance is rarely an option, owing to high costs and structural barriers such as lifetime spending caps, waiting periods, and exclusions of preexisting conditions from coverage. Disabled workers often apply for public financial disability benefits in part to obtain public health insurance — a uniquely American phenomenon that we call health insurance–motivated disability enrollment (HIMDE). We believe that HIMDE is an important driver of the unsustainable growth in enrollment in public assistance programs for people with disabilities (Jae Kennedy and Elizabeth Blodgett, 9/5). 
Source: kaiserhealthnews.org

MostMedicare.com Helps Seniors Save Money Through Medicare Advantage Plans

Medical expenses are on the rise in the United States, and that means securing the right insurance plan has never been more important. Today, Medicare helps millions of people across the country access the affordable health care coverage they need. However, most Medicare plans only cover a limited number of medical expenses. Many plans leave large gaps in coverage that patients are forced to cover out of their own pockets. One website, MostMedicare.com, wants to ensure patients understand where these gaps are and how they can cover gaps using Medicare Advantage plans. Supplementary Medicare plans are often known as ‘Medigap’ plans. However, the MostMedicare.com website does not sell Medigap insurance plans. Instead, the site sells Medicare Advantage plans. There is an important distinction between Medigap and Medicare Advantage. Although both types of plans are offered by third-party insurance agencies, Medicare Advantage subscribers are still considered to be part of the Medicare program. The insurance company that offers Medicare Advantage must continue to abide by the rules of Medicare coverage. In other words, Medicare Advantage is a premium form of Medicare that doesn’t force users to accept the risks of Medigap plans. Today, insurance companies offer several different Medicare advantage plans, each of which offers its own unique advantages. At the MostMedicare.com website, visitors can learn about each one of these plans, including the difference between Preferred Provider Organization (PPO) plans and Health Maintenance Organization (HMO) plans. The MostMedicare.com websites stresses the importance of shopping around for the perfect Medicare Advantage plan. In order to help current Medicare users make the right decision on their plan, MostMedicare.com offers detailed comparisons of a number of different Advantage plans. Some plans, for example, cover foreign travel emergencies, while others do not. Medicare subscribers who plan on traveling will want to find a plan that has a good foreign travel emergency policy. A spokesperson for MostMedicare.com explained how the website seeks to help seniors and those with disabilities save money on their Medicare coverage: “Our website is a wealth of information about Medicare and Medicare Advantage plans. Our goal is to make it as easy as possible to compare different Medicare plans. We also offer a blog that features the latest news in America’s medical insurance agency – including information about Romneycare and Obamacare – and how it will affect current Medicare subscribers.” Ultimately, current Medicare subscribers can use the MostMedicare.com website to learn everything they need to know about affordable premium medical insurance in the United States. Whether researching Medicare Advantage plans for a loved one or for personal coverage, the goal of MostMedicare.com is to educate visitors about the pros and cons of all major medical insurance plans. About MostMedicare.com MostMedicare.com offers information about Medicare and Medicare Advantage Plans. The site allows visitors to compare which plans will work best for their needs and budget. For more information, please visit: http://www.mostmedicare.com
Source: sbwire.com

Need Help Selecting a Medicare Prescription Drug Plan?

Does just thinking about selecting the right Medicare prescription drug plan send you into a panic? You’re probably not alone as over 100,000 Granite Staters wander through this process every year during Open Enrollment. See Also: 8 Things You Can Do During Medicare Open Enrollment   Medicare Open Enrollment – October 15 through December 7 – is the one time each year when ALL people with Medicare can see what new benefits Medicare has to offer and make changes to their coverage for Part C (Medicare Advantage health plans) and Part D (Medicare prescription drug coverage.) “Open enrollment is a good time for people to review their current plans,” said AARP New Hampshire State Director Kelly Clark. “Insurance plans can change their prescription coverage and out-of-pocket costs. We want to make sure AARP members and others get the best coverage at the best price.” For those wanting assistance in finding the right choice for their particular health needs and preferences, help is just a phone call away. New Hampshire ServiceLink’s Medicare specialists are available to offer free, confidential and unbiased assistance. Make an appointment online for the ServiceLink office nearest you, call toll-free at 1-866-634-9412. ServiceLink Resource Centers and Medicare Specialists can be found in several locations:
Source: aarp.org

Understanding Obamacare’s $716 Billion in Cuts to Medicare

Posted by:  :  Category: Medicare

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

Video: Obama In November 2009: Right, One-Third Of ObamaCare Funding Comes From Cuts To Medicare

FACT VS. FICTION: BALDWIN CUTS MEDICARE WHILE PURPORTING TO PROTECT

“Baldwin is hoping a heavy investment in media will help voters forget that even though she knows it’s ‘wrong’ to slash Medicare benefits — voted for $500 million in Medicare cuts,” said Ryan Burchfield, Campaign Manager. “Four months before the general election, and Baldwin is already trying to cleanse her record with a classic case of political double talk.”
Source: tommyforwisconsin.com

Polls: Contraception, Abortion, Health Cuts, Medicare Factor In To Voters’ Decision

CQ HealthBeat: Majorities Oppose Health Cuts To Trim Deficit Spending Policy makers will be under heavy pressure next year to make health-related cuts to deal with the nation’s debt crisis, but the majority of Americans won’t be backing them up if they do, suggests a new survey by the Pew Research Center. The health-related cut that came closest in the survey to attracting majority support would require a reduction in Medicare benefits for higher-income seniors. Forty-nine percent of those polled in the Oct. 4-7 survey by the Pew Research Center expressed support for such a move. Forty-seven percent disapproved of such a change. Raising the amount people on Medicare contribute to cover their health care costs was a non-starter. Fifty-seven percent disapproved of that approach, while 35 percent approved (Reichard, 10/15).
Source: kaiserhealthnews.org

Understanding Medicare "Cuts"

Medicare Advantage is a 15-year failed experiment in privatization. Running Medicare through private insurance companies was supposed to save money through the magic of the marketplace; in reality, private insurers, with their extra overhead, have never been able to compete on a level playing field with conventional Medicare. But Congress refused to take no for an answer, and kept the program alive by paying the insurers substantially more than the costs per patient of regular Medicare. All the ACA does is end this overpayment.
Source: nytimes.com

Pennsylvania providers already feeling Medicare cuts, worrying about more to come

Among several examples: Hospitals now may lose Medicare money if too many patients are readmitted within 30 days of discharge — for any reason. The Centers for Medicare and Medicaid Services cut home health payment rates by 3.79 percent in 2011 and 2012, and will cut home health by another 1.32 percent in 2013, said Jennifer E. Battista, communications director of the Pennsylvania Homecare Association. Another Medicare program for rural hospitals that serve a high number of seniors also was left unfunded. At Wayne Memorial Hospital in Honesdale, Wayne County, that will cost $1.7 million.
Source: medcitynews.com

McMahon Favors Medicare/Medicaid and Social Security Cuts

If Linda McMahon’s “Balanced Budget” Plan Was Enacted This Year, It Would Potentially Mandate Hundreds of Billions of Dollars in Medicare/Medicaid and Social Security Cuts.  Linda McMahon proclaims support for a so-called Balanced Budget Amendment, which is a constitutional amendment mandating that federal outlays not exceed total tax receipts.  This year, the federal budget deficit is $1.5 trillion.  Linda McMahon has said on the campaign trail that she opposes any tax increases to balance the budget and that she would exempt Defense spending ($714 billion), Homeland Security ($41 billion), and Veterans Benefits ($162 billion) from her proposed spending cuts in order to reach her goal.  Including debt service ($196 billion), this leaves just $917 billion left, meaning Congress would have to cut 57% of the rest of government spending—including Medicare, Medicaid (currently $736 billion) and Social Security ($749 billion).  Even if you shut down funding for highways, ended small business and education loans, and cut the entire Department of Justice, this plan would still serious consequences for the entitlement programs, if enacted.  [Washington Post, 7/24/10; Congressional Research Service Summary, H.J.Res78, 3/2/10; Linda McMahon Editorial Board Interview (Hartford Courant), 7/20/10; OMB U.S. Budget, Mid-Session Review, 8/25/09; Congressional Research Service, “Mandatory spending Since 1962,” 9/15/10; LM at Conservative Women’s Luncheon PT 2, 9/23/1; LM Remarks at Gun Enthusiasts Meeting, 9/22/10; LM Common Sense CT Interview, 8/30/10; LM at Taste of Mystic, 9/10/10; Linda McMahon, Chaz & AJ Show FM 99.1, 8/3/10]
Source: ctnews.com

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

Kaiser ranks in top 15 commercial and Medicare plans

Posted by:  :  Category: Medicare

New Online Rx System Makes UM Student 'Top Entrepreneur' Finalist by University of Maryland Press ReleasesKaiser has two more new multi-specialty facilities slotted to open next year in the Mid-Atlantic region, and plans to open a new multi-specialty medical center in Baltimore County, Md. Also next year, Kaiser plans to expand and renovate its Largo Medical Center in Prince George’s County, Md. This year, Kaiser opened new centers in Northwest D.C., Tysons Corner and Gaithersburg, Md.
Source: ifawebnews.com

Video: Medicare Supplemental Plans in Maryland by 1-800-MEDIGAP

Maryland Seeks A New Balance In Its Unique Hospital Payment System

The debate is part of a larger discussion about saving Maryland’s oft-praised price-setting regime while maintaining the state’s leadership in developing an insurance exchange and other components of the health act. One idea is to have HHS judge Maryland according to the total cost of care for Medicare and not just inpatient cases, according to a presentation given by a top HHS official to the hospital association earlier this summer, according to people who were there. That raises the possibility of cost controls (although not necessarily rate setting) on physicians. “Obviously, it’s something we’re watching closely,” said Gene Ransom, chief executive of MedChi, Maryland’s state medical society.
Source: kaiserhealthnews.org

Ethics Opinions Underscore Problems That Medicare Liens Create when Negotiating Settlements

In the absence of an agreement to indemnify from the plaintiff’s attorney, another alternative would be that the defendant/insurer would distribute the money to the plaintiff’s attorney, and the plaintiff’s attorney would agree to maintain an amount equal to or greater than the full amount of the lien until the final lien amount is negotiated.  In this scenario, the attorney is not taking on the client’s obligations, but rather is being held to his word that the lien will be protected, assuming the plaintiff consents to the withholding of some funds.  The plaintiff can receive some of the settlement funds immediately, but the defendant/insurer is assured that a sufficient amount will be held back to guarantee that the asserted lien is protected.  It is seemingly a better solution to the problem.  However, as may be evident, similar ethical concerns are raised by this scenario as well, and the MD Committee on Ethics has also had occasion to address it.  According to the Committee, it is questionable whether the plaintiff’s attorney can ethically agree to such an arrangement.  The Committee, in reviewing this practice, has expressed concerns that the plaintiff’s attorney would be violating the aforementioned ethical rules regarding the safekeeping of property of the client and/or a third party.  Under these ethical rules, the settlement funds belonging to a party may be placed in an interest bearing account, where the interest must be provided to the party.  However, the funds belonging to one person may not be placed in an interest bearing account where the interest will be credited to someone else.  The question, then, as the Committee sees it, is who do the funds belong to at the time they are given to the plaintiff’s attorney: the plaintiff, the third-party, or both?  Keeping in mind that the assertion of a lien is not the same thing as a ruling that the lien is valid, the Committee has decided that the plaintiff’s attorney must consider the legal question of when a lien holder has “ownership” of the funds.  Given the Committee’s Opinion on this matter, plaintiff’s attorneys are left to analyze when and whether the lien holder becomes the owner of the funds.  If it is the owner of the funds, then the attorney cannot ethically hold it.  Given this dilemma, and absent a controlling opinion from Maryland appellate courts, one would think that most plaintiff’s attorneys will be cautious and decline to agree to maintain the funds for “safe keeping” in order to avoid the risk of committing an ethical violation.
Source: mdliability.com

N.H. hospital in danger of losing Medicare funding

“CMS has determined that the deficiencies are of such a serious nature as to substantially limit the hospital’scapacity to provide adequate care,” the agency wrote in a letter to the hospital dated Oct. 11. In a statement Friday, the hospital said it will continue to work to thoroughly address each of the agency’s findings and that it already has taken steps to resolve many of them and is confident it will fix the rest in the next several weeks. “We take quality and patient safety extremely seriously and will continue to make all necessary improvements to further improve the health system,” CEO Kevin Callahan said. The centers’ full report won’t be made public for 30 days or when CMS receives an acceptable plan of correction, whichever comes first, a CMS spokeswoman said. The letter sent to the hospital outlines four areas where Medicare conditions have not been met: infection control, patient’s rights, the hospital’s quality assessment and performance improvement program and its governing body. In the July report, CMS said nurses at the cardiac lab left syringes unattended after removing medication from machines. The hospital has since implemented a policy that requires filled syringes to be placed in a locked drawer until needed. Kwiatkowski, a traveling medical worker whom prosecutors describe as a “serial infector,” was hired in Exeter in April 2011 after working in 18 hospitals in Arizona, Georgia, Kansas, Maryland, Michigan, New York and Pennsylvania. He moved from hospital to hospital despite having been fired twice over allegations of drug use and theft. Thousands of patients in those states are being tested to see if they, too, were infected with hepatitis C, a sometimes life-threatening virus. A handful of patients in Kansas also have been found to carry the same strain Kwiatkowski carries. “Hospitals across the country and the regulators who oversee them continue to learn from this tragic event that was created by an alleged criminal who circumvented some of the best systems and protocols at leading institutions across the nation,” Callahan said. Kwiatkowski, who has told authorities he did not steal or use drugs, has pleaded not guilty to illegally obtaining drugs and tampering with a consumer product. Prosecutors recently were given until Nov. 30 to indict him after saying they needed more time because investigators are still conducting interviews and performing scientific analysis in multiple states.
Source: modernhealthcare.com

Nursing Home Could Lose Medicare and Medicaid Funding Due to Multiple Alleged Deficiencies :: Maryland Nursing Home Lawyer Blog

CMS reported that it had conducted three surveys of the facility in response to complaints in the past fifteen months. It compared the total number of deficiencies in the facility, twenty-four, to the national average of 7.5. The average number of deficiencies for facilities in Mississippi is six. The most recent survey of the nursing home, conducted on February 10, 2012, identified deficiencies in eight broad categories based on the regulatory requirements for participation in the Medicare and Medicaid programs: 1. Privacy and confidentiality of residents’ personal and medical information and records; 2. Provision of care that maintains “dignity and respect of individuality”; 3. Adequate housekeeping and maintenance; 4. Safety and cleanliness in food handling; 5. Labeling of drugs and maintenance of drug records in accordance with professional standards; 6. Effective planning to control the spread of infections; 7. Monitoring of nurse aides to ensure they can provide for resident needs; and 8. Recordkeeping on individual residents that meets accepted professional standards.
Source: marylandnursinghomelawyerblog.com

Greenbelt Explorations Unlimited Explores Medicare Supplements

On Friday, Sept. 21, Explorations Unlimited welcomes Mr. Greg Markomanolakis, who will be talking about the differences in Medicare plans and pricing, Medicare Extra Help and the Maryland Senior Prescription Drug Assistance Program that a lot of seniors aren’t aware of. He will also touch briefly on the importance of having burial plans established through an irrevocable funeral trust that is Medicaid waived.
Source: patch.com

Mandatory Arbitration Clauses in Maryland Nursing Home Admissions :: Maryland Nursing Home Lawyer Blog

People involved in legal disputes may choose, instead of litigation, to submit their case to a process like mediation, where a neutral person tries to help all sides in a dispute reach a mutually agreeable settlement; or arbitration, where one or more neutral individuals hear arguments from all sides to a dispute and propose a solution. Arbitration can be non-binding, meaning any party can reject the arbitrator’s decision and proceed to litigation; or binding, in which case no party may challenge the arbitrator’s decision in a court of law. These practices can offer an efficient means for settling grievances, but in some cases, people who might prefer litigation find themselves contractually bound to arbitration, often binding. Maryland and federal law generally allow nursing homes to include arbitration provisions in their contracts with residents with some limitations. Anyone signing admission papers for a nursing home, for themselves or someone else, should review them very carefully.
Source: marylandnursinghomelawyerblog.com

Medicare Supplement or Medicare Advantage

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSThat is correct, Jeff!!  If your group prescription drug plan is not as good as Medicare’s standard prescription drug plan, which means has a $321deductible or more for 2012.  Or if your company and/or your insurance company states that the plan is not creditable, then you should enroll in a Part D plan to keep from having a 1% per month penalty which goes back to the month your Part A started, when you do enroll in a prescription drug plan. Read page 90 of the
Source: tonisays.com

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 Supplement Plan, Medigap Plans, Mymedicare, Supplemental Medicare.

Find right coverage Medigap Plans and Medicare Supplement Plan for insure your supplemental medicare after retirement. Mymedicare advisor helps you make a decision about how to choose a Medigap Plans, Medicare Supplement Plan, and Supplemental Medicare plan. MyMedicareAdvisor 2300 Computer Ave. Ste. H-40 Willow Grove, PA 19090 email: mymedadvisor@gmail.com 215 658 1776 http://www.mymedicareadvisor.com Medicare Supplement Plan, Medigap Plans, Mymedicare, Supplemental Medicare http://www.mymedicareadvisor.com/north-carolina-medicare/
Source: anunico.us

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

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

Medicare 102: Understanding Medicare Enrollment Periods

The Key word here is “SPECIAL.” If you have a special circumstance, such as moving out of a plan’s service area, or an involuntary loss of employer coverage because you are retiring at the age of 65 or older, than you may qualify for an SEP. There are many other circumstances which may make you eligible for an SEP. The length of the SEP can vary based on the circumstance. If you have enrolled into an Advantage Plan for the first time in your life during ICEP, or have dropped a Medigap policy to go into an Advantage Plan for the first time in your life, you have an SEP which lasts for the first 12 months of your enrollment in the Advantage Plan. This allows you to revert back to Original Medicare, enroll into a Medigap policy without being underwritten (though you may be subject to a higher premium due to age), and purchase a prescription drug plan.
Source: amac.us

DownWithTyranny!: What Do NH

Lee Rogers is an innovative surgeon who’s internationally acclaimed practice centers on preventing amputation. McKeon’s disdain for their neighbors and his vote to kill Medicare helped persuade Lee to jump into the race. He and McKeon have something in common though. Neither liked Obamacare. McKeon just wants to– and has voted to– kill it. Lee wants to capitalize on what’s good in the bill and fix what isn’t. And Carol is a grassroots organizer who’s as close to the street as any politician is likely to be. She’s as likely to do anything that would adversely impact her neighbors as she would harm her own family. In the last weeks of the campaign, both these challengers are in tight races and both can use some last minute help. If you can, they’re both on the same page– this page.
Source: blogspot.com

fri9nds: On Line Medicare Supplement Insurance Rates

The program Y can pay your Medicare Part B deductible and your Medicare Part A deductible. In other words, Medicare will pay 80% of your charges and your complement will get the rest of the 20%. You need to rarely have any medical bills out of your wallet.
Source: fri9nds.com

How to know when an Insurance Supplement to Medicare is Appropriate

What an insurance supplement to Medicare or Medigap policy can do is to offset some or most of those costs. That can make the difference between financial hardships at a time when a person is their most vulnerable. However, purchasing a Medigap policy is not a foregone conclusion. The additional premium payments for Medigap policies are expensive especially for those people who are on fixed incomes. Thus, the question becomes how do I know when an insurance supplement to Medicare is right for me? The answer is not easy. Obviously, if a person were allowed to purchase a supplement only when they needed it the answer would be obvious. However, insurance companies will subject an applicant to underwriting before a policy is issued them to deny coverage for pre-existing conditions. Thus, a person should purchase their Medicare supplement when acceptance is guaranteed and that is during the six month open enrollment period when a person turns 65 and has applied for Medicare coverage.
Source: seniorcorps.org

Greenbelt Explorations Unlimited Explores Medicare Supplements

On Friday, Sept. 21, Explorations Unlimited welcomes Mr. Greg Markomanolakis, who will be talking about the differences in Medicare plans and pricing, Medicare Extra Help and the Maryland Senior Prescription Drug Assistance Program that a lot of seniors aren’t aware of. He will also touch briefly on the importance of having burial plans established through an irrevocable funeral trust that is Medicaid waived.
Source: patch.com

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

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 Supplement or Medicare Advantage

Welch Insurance serves clients in Huntington Beach, Fountain Valley, Costa Mesa, Newport Beach, Long Beach, Norwalk, Downey, Anaheim, Cerritos, Lakewood and other cities throughout Southern California. We offer updated information from the top carriers including Anthem Blue Cross, Blue Shield, Health Net, Aetna, United Health Care, and Humana for Medicare Supplements. We also offer Medicare Advantage Plans and Part D from Anthem Blue Cross, Blue Shield and Aetna; including the Anthem LPPO (Local Preferred Provider Organization).
Source: welchinsurance.net

Medicare Supplement Plan, Medigap Plans, Mymedicare, Supplemental Medicare.

Posted by:  :  Category: Medicare

Find right coverage Medigap Plans and Medicare Supplement Plan for insure your supplemental medicare after retirement. Mymedicare advisor helps you make a decision about how to choose a Medigap Plans, Medicare Supplement Plan, and Supplemental Medicare plan. MyMedicareAdvisor 2300 Computer Ave. Ste. H-40 Willow Grove, PA 19090 email: mymedadvisor@gmail.com 215 658 1776 http://www.mymedicareadvisor.com Medicare Supplement Plan, Medigap Plans, Mymedicare, Supplemental Medicare http://www.mymedicareadvisor.com/north-carolina-medicare/
Source: anunico.us

Video: Medicare Supplement Quotes

United American Medicare Supplement Insurance Quotes

Fortunately, United American is one of those companies.  At present, they offer some of the lowest priced High Deductible F Plans across the state.  That is great for seniors who want a low priced Medicare insurance plan with a reasonable deductible.  (As of 2012, the HD Plan F deductible is $2,070 yearly.)
Source: ohioinsureplan.com

Picking A Medicare Supplement Quote

There is always the requirement to make sure that medical attention is received and kept up with throughout the course of daily life. This is a demand that is much more certain to people that have reached an older age in life which has actually made their body age and be subjected to more serious health dangers as an outcome of the process. Anyone that is seeking this kind of guidance ought to be capable of choosing a Medicare supplement quote to assist lead their medical requirements.
Source: vvy.in

Picking A Medicare Supplement Quote

There is always the need to make sure that medical attention is obtained and kept up with throughout the course of daily life. This is a requirement that is a lot more specific to individuals that have reached an older age in life which has made their body age and be subjected to more extreme health dangers as a result of the process. Anyone that is seeking this kind of support ought to be capable of choosing a Medicare supplement quote to assist direct their medical demands.
Source: proteinshake.biz

Medicare Supplement Quotes

If you are looking for a Mediare supplement it is vital that you get quotes from many different companies. E-medigap.com is a company that can give you multiple Medicare supplement quotes. We recently spoke to a customer that found out she was paying too much for her medicare supplemental insurance policy. She thought that if she paid a higher premium she was getting a better policy. This is not the case with a medicare supplement policy. All companies offer the same policies from company to company. The only thing that differs is price!
Source: alasdairmaclean.org

Choosing A Medicare Supplement Quote 

There is constantly the need to make sure that medical attention is obtained and kept up with throughout the course of everyday life. This is a demand that is much more specific to people that have actually reached an older age in life which has actually made their body age and be subjected to more extreme health dangers as an outcome of the process. Anybody that is seeking this sort of support should be capable of selecting a Medicare supplement quote to assist lead their medical needs.
Source: drillingfluidsmud.com

Medicare 102: Understanding Medicare Enrollment Periods

Posted by:  :  Category: Medicare

The Key word here is “SPECIAL.” If you have a special circumstance, such as moving out of a plan’s service area, or an involuntary loss of employer coverage because you are retiring at the age of 65 or older, than you may qualify for an SEP. There are many other circumstances which may make you eligible for an SEP. The length of the SEP can vary based on the circumstance. If you have enrolled into an Advantage Plan for the first time in your life during ICEP, or have dropped a Medigap policy to go into an Advantage Plan for the first time in your life, you have an SEP which lasts for the first 12 months of your enrollment in the Advantage Plan. This allows you to revert back to Original Medicare, enroll into a Medigap policy without being underwritten (though you may be subject to a higher premium due to age), and purchase a prescription drug plan.
Source: amac.us

Video: Dental Insurance Commercial for Folks on Medicare

Navigating Medicare's Open Enrollment Period

Medicare beneficiaries who are happy with their plans do not need to do anything, if they don’t want to change. But it is still a good idea to check options, Ms. Metcalf advises, to make sure a version of Medicare is the best one in terms of cost and coverage. If, for instance, you have the original version of Medicare and pay extra for prescription drug coverage (so-called Part D coverage), you may want to make sure important medications you need are still covered under your plan, to avoid having to pay more for them.
Source: nytimes.com

Medicare open enrollment: How can I find a better plan?

What about doctor availability? On the Medicare site you can directly compare up to three plans, and when I selected your current plan and these other two plans, I saw that your current plan says it has 1001-1500 “physicians and providers,” compared to 4001-5000 for the other two plans. For each plan you can click on “View provider and physician network website,” which takes you away from Medicare.gov and onto the plan’s own website, where you can search its provider directory to judge for yourself whether it has enough doctors to meet your needs.
Source: consumerreports.org

Why Private Medicare Plans Don't Cost Less

Many contend that the government “overpays” for people enrolled in private plans, since traditional Medicare could have covered these patients for less money. But the reason it would have cost less is partly that the government has done a woeful job in figuring out how much to pay the private plans. The government compensates insurers based on the health of their enrollees at the start of the year. Plans with healthier patients receive less money than those with sicker ones to reflect the likelihood that healthier people will use less care. Healthier patients enroll in Medicare Advantage plans, so in, principle, plans should be reimbursed less by the government for enrolling these patients (the technical term for this process is “risk adjustment”). But for decades, the government has failed to determine who is healthy and who is sick with any precision, with the result that private plans receive larger payments to cover their patients’ costs than necessary. This botched payment system gives insurers an incentive to spend more time selecting the healthiest patients, and less time treating them more efficiently.
Source: nytimes.com

Is Dental Insurance Medicare Considered Supplemental?

The cost of a supplemental dental insurance plan will depend on the amount of coverage offered. The basic plans will cost between $25 and $50 a month, for which you would be expected to make monthly or biannual payments. More expensive plans can cost between $50 and $100 a month, but include expensive dental procedures and the largest selection of dentists. Knowing what type of care you require will help finding the insurance to fit your budget.
Source: seniorcorps.org

5 Services Medicare Won’t Pay For

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Source: webmd.com

Choose your Medicare plan carefully: Annual open enrollment period runs through December 7

Although participating insurance companies must follow rules set by Medicare, each Medicare Advantage Plan can charge different out-of-pocket costs and have different rules for how you get services. For instance, you may need a referral to see a specialist or you may be required to go only to doctors or facilities that belong to the plan for non-emergency or non-urgent care.
Source: yourislandnews.com

Medicare open enrollment: Will Obamacare end Medicare Advantage?

Should you be worried that Medicare Advantage plans will economize by reducing your benefits? “The plans are required to provide all Medicare benefits, so there’s no way they can cut them,” Gold explains. That includes the free preventive services added to Medicare by the Affordable Care Act. And Advantage plans that include a drug benefit are closing the doughnut hole just the same as stand-alone Part D drug plans. The only area where plans can even consider cutting back are for optional services such as dental and vision benefits, but the plan finder on Medicare.gov still features plenty of plans that have these bonus features.
Source: consumerreports.org

How to Save on Dental Care

I use dental discount plans (I’m on my second one).  Wanted to share some hard earned experiences: 1) I didn’t realize that the dentists get NONE of your plan membership fee.  My first yearly plan included free cleanings/xrays/checkups, and it was a horrible experience as the dental offices figure out other ways to pressure you for money (flouride treatments, bogus offices visit charges, overtreatment of moderate cavaties as needing a root canal/cap). 2) My second plan has a lower yearly fee and about 70 percent off dental fees.  Still get pressured for items not covered, like 300 dollar nightime mouth guards (that last 6 months).  Also, when I did need a specialist, his office didn’t honor the advertised rates, only gave 20 percent off. The 20 percent off was supposed to apply only to services not itemized in the dental plan. 3) Even with the aggravation, I think a dental plan is worth it because I’ve never found a dental office that will negotiate on the prices.  The office staff doesn’t want to be bothered.  They only want to deal with either insurance companies, or dental plans as all the fees are loaded in their administrative systems.  4)  One other tip, print out a copy of your plans itemized fees as I found two dental offices that changed the prices. 
Source: depositaccounts.com

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

zulemabaier140: 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 community centers. Many church or community sponsored centers will have facts 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

Deforming Medicare into a Competitive Bidding System (part 1)

FEHBP requires that all plans cover the same medical services. In spite of this, some plans offer more dental and vision coverage than others. However, the primary “choice” is whether to pay now or pay later. Those who choose plans with lower premiums (taken out of biweekly or monthly pay-checks) face higher deductibles and co-payments when they actually need medical care. Often this results in higher overall cost to those who choose what looks like a less-expensive plan. Seeing physicians “out of network” costs more in a “basic”plan than in a “standard” or “high option” plan. We know from many studies that higher co-payments lead low- and even middle-income people to postpone needed medical care. Since FEHBP premiums are independent of the employee’s income, lower-wage workers are likely to choose a “basic” plan and thus face the barrier of higher costs when they have to seek care. And many, of course, will not be able to afford to pay for any plan.
Source: correntewire.com

State Roundup: Ore. Lawmakers Petition For Separate Dental Care

Health Policy Solutions (a Colo. news service): Public Housing Project A National Model For Supporting Health In 2009, when developers from the Denver Housing Authority worked with neighborhood partners, residents and consultants to dream up a new master plan for the Lincoln Park/La Alma neighborhood, they became one of the first 20 or so entities in the U.S. to conduct what’s known as a Health Impact Assessment (HIA). Long popular in Europe but new to the U.S., HIAs aim to identify how a project or redevelopment will impact health. Then in 2010, as reconstruction began, DHA developers ignited another health revolution. They decided to hold themselves accountable for improving health with every decision they made. They wanted to measure their success or failure and became on of the first in the country to use what’s called the Healthy Development Measurement Tool (HDMT) (Kerwin McCrimmon, 10/17).
Source: kaiserhealthnews.org