Medicare Plan Finder for Health, Prescription Drug and Medigap plans

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSThe page could not be loaded. The Medicare.gov Home page currently does not fully support browsers with "JavaScript" disabled. Please note that if you choose to continue without enabling "JavaScript" certain functionalities on this website may not be available.
Source: medicare.gov

Video: Compare 2013 Medicare Advantage Plans – Tips

GRAY MATTERS: Now is the time to compare Medicare plans

Beneficiaries can call Medicare at 1-800-633-4227 anytime of day or night, including weekends, and ask for assistance to compare plans and to make a change if needed. The information is also available online at www.Medicare.gov and enrollment changes can be made online. The best time to call Medicare is in the evening or during a weekend to shorten wait times.
Source: times-standard.com

Medicare Prescription Drug Plan

The most important thing when you are researching Prescription Drug Coverage is to take into account your prescriptions.  There are so many formularies and plans, it is hard for any of us to find the best plan for ourselves without a little help.  Luckily, technology is able to help us.  www.MedicareEcompare.com has a tool that enables you to enter all of your prescriptions and instantly allows you to compare standalone PDP plans or MAPD plans with your estimated annual cost based on your needed prescriptions, age, demographics and more.
Source: medicareecompare.com

Annual Enrollment for Medicare Advantage (Part C) & Part D: October 15 – December 7 

Even beneficiaries who were satisfied with their 2012 plans need to review their plan options for 2013.  Part D and MA plans may have made changes to their coverage, provider networks and other plan features.[3] Plan information for 2013 will be available on the Medicare Plan Finder at www.medicare.gov.[4]  For the computer-savvy, the Medicare Plan Finder is an excellent plan comparison tool, allowing users to enter all their drugs and drug dosages, compare up to three plans at a time, save their drug information for later use, and actually enroll in a plan on-line.  This is the best – if not only – way to truly compare the many plans available to choose from.  People who cannot use the Plan Finder themselves may contact 1-800-Medicare, or their State Health Insurance Assistance Program (SHIP), for assistance with evaluating, selecting, and enrolling in a Part D plan.
Source: medicareadvocacy.org

How Much Does Medicare Advantage Cost?

eHealth, Inc. (NASDAQ: EHTH) is the parent company of eHealthInsurance, the nation’s leading online source of health insurance for individuals, families and small businesses. Through the company’s website, www.eHealthInsurance.com, consumers can get quotes from leading health insurance carriers, compare plans side by side, and apply for and purchase health insurance. eHealthInsurance offers thousands of individual, family and small business health plans underwritten by more than 180 of the nation’s leading health insurance companies. eHealthInsurance is licensed to sell health insurance in all 50 states and the District of Columbia, making it the ideal model of a successful, high-functioning health insurance exchange. Through the company’s eHealthTechnology solution (www.eHealthTechnology.com), eHealth is also a leading provider of health insurance exchange technology. eHealthTechnology’s exchange platform 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 powerful online and pharmacy-based tools to help seniors navigate Medicare health insurance options, choose the right plan and enroll in select plans online through its wholly-owned subsidiary, PlanPrescriber.com (www.planprescriber.com) and through its Medicare website www.eHealthMedicare.com.   
Source: ehealthinsurance.com

Comparing Medicare Advantage Plans: What Do I Do?

Look at your existing health situation. What are your major concerns? What about your family history? If there is a history of heart illness/disease in your family, you will probably want to highlight more complete coverage in that area. If Aunt Rose or Uncle Lou suffered asthma or lung related issues, you might want to consider fuller coverage for that condition, including peripherals, such as breathing treatments and oxygen condensers. This is your first consideration.
Source: seniorcorps.org

Comparing Medicare plans? Ratings show some policies better than others — Health — Bangor Daily News — BDN Maine

The site will still be viewable but certain elements might display incorrectly. In order to enjoy all the features of our site, we recommended you upgrade to a newer, more secure browser. Read more ». If you don’t have administrator privileges for your computer, you can still take action. Google has developed a free plugin for Internet Explorer called Google Chrome Frame. You can install it on any computer, even if you can’t install applications, and it will ensure your computer stays secure and that you can still visit our website. Enable Google Chrome Frame now »
Source: bangordailynews.com

InsureBlog: Bad News for Buckeyes

.” We’ve already seen major rate increases, although it’s not fair to lay the blame entirely on the ObamaTax. Health care costs drive health insurance costs, and these are influenced in part by utilization and medical inflation. Still, it’s undeniable that at least a chunk of these increases can be laid at the feet of the train-wreck. Medicare Advantage plans, which actually help rein in some health care costs and offer our seniors choice in health care, have been on the proverbial chopping block for a while; it’s no surprise that the ObamaTax will decimate that market. And of course regular IB readers have known about the coming provider shortage for a while now.
Source: blogspot.com

6 Steps You Must Take During Medicare Annual Enrollment

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

Understanding Your Options: What is Best for You? Medicare Advantage Plan or Medicare Supplement and Part D Drug Plan?

If you have a Medigap policy and join a Medicare Advantage Plan (like an HMO or PPO), you may want to drop your Medigap policy. Your Medigap policy can’t be used to pay your Medicare Advantage Plan copayments, deductibles, and premiums. If you want to cancel your Medigap policy, contact your insurance company. In most cases, if you drop your Medigap policy to join a Medicare Advantage Plan, you won’t be able to get it back. If you have a Medicare Advantage Plan, it’s illegal for anyone to sell you a Medigap policy unless you’re switching back to Original Medicare. Contact your State Insurance Department if this happens to you. If you want to switch to Original Medicare and buy a Medigap policy, contact your Medicare Advantage Plan to disenroll.
Source: indoamerican-news.com

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

Can We Talk? How to get Medicare for All back on the Table

Posted by:  :  Category: Medicare

Benefit Security Card .. HALF of the U.S live in households that receive government benefits (26 May 2012) ...item 2.. Brevard man gets 4 years in Social Security fraud case (Jun 1, 2012 ) ... by marsmet4816)  If there is an issue you really, really care about, do everything possible to pull that issue out of the partisan arena.  If you are a visible spokesperson for an issue, strongly consider becoming an Independent.  Don’t turn gay marriage into a Democrat position, because Republicans will feel even more obligated to undermine you.  If you are a Republican, don’t turn thriftiness into a partisan issue or insist that government must fail at whatever it tries.  That’s the single biggest reason I left the two party system myself, not only because Medicare for All is ignored by both parties but because I don’t want it to be associated with only one of them.  That would be the death of a good idea—if we got it passed with a supermajority, all the other party could think about would be how to repeal it in 4 years.   They wouldn’t even be able to notice if they loved it.  I need to be able to say, wherever I am, that I am neither a Republican nor a Democrat, so either side will be able to listen.  When I made that statement at a recent talk, one obviously conservative couple became very interested in discussing single payer and expressed the thought that even though it wouldn’t fix the whole problem, it was something to think about.  Then they asked if I was a fan of Glen Beck.  I’m not, but if Mr. Beck can find a way to make Medicare for All sound good to his audience, I will say something nice.   
Source: wordpress.com

Video: Medicare Credentialing: Getting On Medicare Insurance Panel

Important: We have the wrong Medicare program

Second, Canadian hospitals receive prospectively determined global operating budgets, removing incentives to provide unnecessary care while simplifying billing and administration. However, unlike accountable care organization payment schemes in the United States, capital costs are not folded into the global budgets but distributed separately through an explicit health-planning process. Canadian hospitals cannot use operating surpluses to fund new buildings or equipment but must request separate capital appropriations. Hence, they cannot expand by overproviding lucrative services, gaming the payment system through upcoding, avoiding unprofitable patients, or cost shifting.
Source: pnhp.org

Get Down Get Funky with Junk to Fund Annuity or Medicare Premium

at normal historical spreads of 300 basis points, it would not surprise this writer to see a correction or two along the way, but we are a long way from double trouble in defaults and principal risk as we were in the late 80s. For the CNN writer to compare the 19% plus yields of 2009 when Chicken Little reigned to today just ignores what every Corporate Treasurer and Investor should be doing right now.-Lowering borrowing costs, refinancing and looking for alternatives to negative yields in Treasuries. It’s the type of junk bond that makes the difference and if investors are buying fallen angels, or companies in a turnaround situations with strong financials; that’s a plus today with banks stingy regulation- laden lending standards. If the company’s financials are really junky, then run. Those are the kinds of bonds that yield over 800 basis points above Treasuries.
Source: annuitythinktank.com

Medicare, Health Law Are Common Themes In House And Senate Races

The Associated Press/Wall Street Journal: Spending By Outside Groups Rocks Many House Races Rep. Dan Lungren knows what it’s like to have a big bull’s eye plastered on his back. The Democratic Party and labor and environmental groups have spent $4.7 million on TV commercials and other efforts to unseat the nine-term Republican congressman from California. That makes him one of the biggest targets of outside groups, which are throwing unprecedented sums of money into House races this year. “I don’t recognize the person they’re portraying,” Lungren said about the ads that paint him as an ally of Wall Street and enemy of Medicare and abortion rights. He added, “Yeah, these ads have a considerable impact” (10/27).
Source: kaiserhealthnews.org

How much does Medicare Advantage cost?

Plans with $0 Monthly Premiums: Among the 43,306 plans available in 2013, 13,741 plans (32 percent) will be offered at a cost of $0 above what a Medicare beneficiary already pays for Medicare Part B. By comparison, 14,297 plans (33 percent) were available with a $0 monthly premium in 2012 and 13,821 plans (35%) were available in 2011.
Source: ehealthinsurance.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

Vacant Offices That Bill Medicare

I’ll remind the reader that I’m focusing only on Medicare fraud. This doesn’t get into the inefficiencies throughout the entire health care sector, consisting of many industries, that Medicare causes. There are always many associated costs. If resources are diverted to monitoring and enforcing Medicare, that means fewer resources going to activities that could use them profitably, even those that government supposedly is there to do.
Source: lewrockwell.com

Medicare tweaks chronic coverage

I WISH that individuals with chronic health conditions COULD get assistance under Medicare. I have fibromyalgia, chronic fatigue syndrome, have had cancer three times, and now have been diagnosed with adrenal fatigue syndrome whose cause is long-term stress due to illness and/or abuse AND due to the chemotherapy medications I took. I’m so tired all of the time, and I’ve requested assistance from every organization that will supposedly assist and am told each and every time they’re out of funds. I wish I could work so that I can pay for the prescriptions and physician copays as well as food–much less the alternative treatments not covered by insurance, but that are the only ones that help with the pain. The Medicare advantage plan I signed up with last year PROMISED me that all my medications were on their formulary–even sent a list–and on January 1, suddenly had an entirely new formulary with more than half of my meds no longer covered. Under the new health-care, I ‘earn’ too much disability each year–a grand total of $7/year–to qualify for extra help, which in the past 2 years has cost me over 1/2 of my income for Medicare parts A,B&D, copays, donut hole coverage! Additionally, my state dropped a large group of us from TennCare on some technicality called the ‘Davies case’–I have no energy due to my medical conditions, and my medical team tells me over and over to avoid stress–how can I win? I hope they help some of us out–and SOON! Maybe we should run for Congress–after one 2-year session in office, they ‘retire’ with lifetime pension and health care–yet there’s no money for a cost of living increase for people on Social Security. They’ve certainly voted themselves COLA’s every single year, above and beyond any inflation. When you have the chance to vote this year, remember who is supporting individuals with chronic illnesses and those who aren’t–use your vote to show them how your life is affected by theirs!
Source: bankrate.com

How Do I Get Started in Selling Medicare Supplements?

Are you an Insurance Agent Forum member yet? To sign up for your FREE INSTANT account, fill out the form below! Username:     Password:   Confirm Password:     E-Mail:   Confirm E-Mail:     Question of the day:   What color are tomatoes? Agree to forum rules 
Source: insurance-forums.net

OIG Assesses Inappropriate Medicare Part D Payments for Schedule II Drugs Billed as Refills : Health Industry Washington Watch

Posted by:  :  Category: Medicare

According to a recent OIG report, Medicare Part D inappropriately paid $25 million for Schedule II drugs billed as refills in 2009, since federal law prohibits the refilling of Schedule II controlled substances. The OIG found a high incidence of invalid prescribers for Schedule II refills. The OIG speculates that some of these refills may reflect inaccurate billing, however, such as long-term-care pharmacies incorrectly billing these drugs as refills when they actually were partial fills. Because 194 out of 270 Part D sponsors paid for at least one Schedule II drug billed as a refill, the OIG concludes that “many sponsors do not have adequate controls to prevent these refills.” Based on these finding, the OIG recommends that CMS: (1) issue guidance to plan sponsors to prevent billing of Schedule II refills and to ensure accurate billing of partial fills; (2) exclude Schedule II refills when calculating payments to sponsors; (3) monitor sponsors to ensure that they validate prescriber numbers for Schedule II drugs; and (4) follow up on sponsors, pharmacies, and prescribers with high numbers of refills.
Source: healthindustrywashingtonwatch.com

Video: Medicare Part D | How to Apply for Medicare Part D

Medicare Enrollment Starting; Help Sessions Scheduled

Medicare Enrollment Starting; Help Sessions Scheduled October 10th, 2012 Medicare recipients in Potter County will have the chance to get personalized help from trained local counselors during an enrollment program to be held at five locations. Potter County Human Services reports that there are a number of changes to Medicare this year, and beneficiaries are encouraged to take advantage of this opportunity to learn more. Schedule is as follows: Tuesday, October 16, 10 am to 1 pm, Galeton Senior Center.Thursday October 18, 10 am to 1 pm, Coudersport Senior Center.Friday, October 19, 10 am-1 pm, Potter County Human Services, Roulette.Monday, October 22, 10 to 1 pm, Oswayo Senior Center, Shinglehouse.Wednesday October 24, 10 am to 3 pm, Gunzburger Building, Coudersport.Appointments are required and can be made by calling 1-800-800-2560
Source: bradford-online.com

Speech and Language Pathology

Hi everyone- I’m hoping to get some insight from those familiar with a SNF. I’m a CF in a SNF now, and while I love the population, I am having a tough time with some Med A and B details and some other stuff. Please provide any info you have! 1. What exactly is the diff between Med A and B as far as it related to therapy services? I get the impression that we are not crazy about having Med B’s on our caseloads for too long(?) Why? 2. I get that Med B runs out after X amount of days or hours, right? Does it renew at the beginning of the calendar year? 3. What exactly are the reqs for D/C due to lack of progress? I have a guy with severe aphasia secondary to stroke, and he’s made little/no progress over the 1.5 months I’ve seen him. The family has a private payer set up now that I felt I had to D/C yesterday, but I told them I still can’t keep him on my caseload long because (ethically) my license is on the line if I’m providing a service and not seeing progress. Is this how you would handle this? Please help! The family is very involved, and I feel like I ned support for my actions to D/C. As much as I love this patient, I just can’t justify charging for services without improvement. 4. Unrelated… how in the world are you SLPs in a SNF hitting 95-100% productivity? From the moment I sign in and copy my schedule down, I am unproductive haha. Factor in waiting for CNAs to get patients ready, patient refusals, tracking down patients, etc… how do you do it?! Thanks for any info!
Source: livejournal.com

Why you might NOT keep your physician or hospital under Obamacare…

In the Office of the Actuary’s April 22, 2010 memorandum on the estimated financial effects of the Affordable Care Act, we noted that by 2019 the update reductions would result in negative total facility margins for about 15 percent of hospitals, skilled nursing facilities, and home health agencies.This estimated percentage would continue to increase, reaching roughly 25 percent in 2030 and 40 percent by 2050. In practice, providers could not sustain continuing negative margins and, absent legislative changes, would have to withdraw from providing services to Medicare beneficiaries, merge with other provider groups, or shift substantial portions of Medicare costs to their non-Medicare, non-Medicaid payers. 
Source: wordpress.com

Medicare makes habit of illegally refilling meds

The Centers for Medicare and Medicaid Services said in response to the report that the inspector general was misinterpreting partial “fills” dispensed to patients in long-term care facilities as refills. Partial fills occur when a pharmacist does not dispense all doses of the prescribed medication at one time. But the report said there was little evidence of that.
Source: baylorlariat.com

As Fiscal Cliff Looms, Medicare And Medicaid Face Uncertain Budget Futures

The settlement, assuming it is approved by the judge in the case, means that “the Medicare Benefit Policy Manual Will be revised to correct any suggestion that continued coverage is dependent on the beneficiary improving,” said the organization in a statement. The change is expected to affect as many as tens of thousands of beneficiaries with conditions ranging from multiple sclerosis to Parkinson’s’ to diabetes, arthritis, and heart disease.
Source: kuow.org

Medicare Regularly Refills Pain Pills Without New Prescriptions: Government Report

To cut down on improperly refilled Medicare prescriptions, the report recommends that federal health officials automatically flag requests for reimbursement for controlled drug refills, and refuse to pay them. The Centers for Medicare and Medicaid Services should work more closely with providers, and follow up with those who have a large number of refills, the report recommends. The agency responded that working with individual providers and pharmacies is not an efficient use of resources, the AP reported.
Source: drugfree.org

Medicare Supplemental Insurance Comparison Website Announces Milestone of 5,000 Customers

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSSearching for Medicare supplemental insurance can be a daunting process. Contacting insurance companies and dodging pushy salespeople can be enough to avoid the whole process altogether. But for senior citizens who have had to pay out-of-pocket medical expenses, Medicare supplemental insurance is not a luxury but an absolute necessity. Fortunately, a new website has hit the web that has been helping people find the absolute lowest prices on the supplemental insurance policies that they need most. And today, they have announced that they have successfully assisted their 5,000th customer in finding supplemental Medicare insurance. The reason the website has seen so many visitors in such a short time is because it’s software is as non-invasive as they could possibly make it. As opposed to their competitors, the new website only requests the visitor’s ZIP code, and within seconds it lists all the best insurance companies in any specific area. “What this does is it essentially puts the shopper in the driver’s seat,” says David Bartholomew, head of marketing. “When a shopper goes to our Medicare supplemental insurance comparison website they are presented with dozens of reputable insurance companies in their area. They can then take the price quotes that they are given and contact the companies they are interested in with their competitors’ price right in front of them. This puts them in the place of bargaining power and makes it much easier for them to get a great deal on a Medicare supplemental insurance policy.” The website has also been gaining in popularity because of the resources it provides its readership such as articles and a comprehensive learning Center. For those who are not educated about Medicare supplemental insurance, the website focuses on the many aspects of this complicated faction of Medicare and ultimately assists them with making a wise decision. To learn more, or to get a fast comparison of all the highest rated insurance companies in a specific area, please visit: http://medicaresupplementalinsurancecomparison.net/ About medicaresupplementalinsurancecomparison.net Medicaresupplementalinsurancecomparison.net was created in September of 2012 to help shoppers get the best rates for Medicare supplemental insurance. The website utilizes the absolute latest in price quote technology, and has already received rave reviews from the industry.
Source: sbwire.com

Video: California Medicare Supplement Insurance Plans 1-800-243-8100

Understanding Your Options: What is Best for You? Medicare Advantage Plan or Medicare Supplement and Part D Drug Plan?

If you have a Medigap policy and join a Medicare Advantage Plan (like an HMO or PPO), you may want to drop your Medigap policy. Your Medigap policy can’t be used to pay your Medicare Advantage Plan copayments, deductibles, and premiums. If you want to cancel your Medigap policy, contact your insurance company. In most cases, if you drop your Medigap policy to join a Medicare Advantage Plan, you won’t be able to get it back. If you have a Medicare Advantage Plan, it’s illegal for anyone to sell you a Medigap policy unless you’re switching back to Original Medicare. Contact your State Insurance Department if this happens to you. If you want to switch to Original Medicare and buy a Medigap policy, contact your Medicare Advantage Plan to disenroll.
Source: indoamerican-news.com

How to Navigate the Medicare Maze

Can you believe it’s almost November? Time really does fly. As we enter the busy holiday season, I’m sure you have enough on your To Do list. I know I’ll be carving some last minute pumpkins! I would encourage you to squeeze in one more thing. Help your parent or senior loved one prepare for Medicare’s open enrollment period.
Source: homeinsteadcharlottesville.com

Which Medicare Supplemental Insurance Plans Offer The Best Coverage?

Standard Medigap plans must cover basic benefits. Plans A through G cover one set of those benefits, and Plans K, L, M, and N cover another set of basic benefits. This is governed by the federal government. All the plans now cover preventive medical care. Plans A through L offer Medicare Part A hospital benefits, including the extended 365 hospital days. With Medicare Part B, plans A through J are again, all the same for co-insurance payments.
Source: seniorcorps.org

Medicare Supplement Basics

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

What Is The Advantage And Characteristics Of Medicare Supplemental Insurance Texas Compared With Other Plans

Insurance coverage is becoming meant to protect any damage or risk of lifestyle, constructing, house, valuables, and so forth and is being compensated towards the insured or to the nominee as no matter what relevant. The insurance coverage is a combination of group savings where many utilized to share a smaller volume of premium and utilised to reveal the threat of any one particular among the group and this idea created and it is becoming accomplished as company by quite a few monetary providers. The sorts of insurance are daily life, health-related, theft, transit, hearth, and so forth plus the most well known is lifestyle and health-related insurance coverage exactly where this addresses the daily life in the insured and used to spend the sum certain at the time of maturity and at the position of danger. Health-related insurance coverage is getting offered a great deal when compared to daily life insurance, because the healthcare insurance coverage is getting created within a way that it addresses most of the health care expenses of the insured. The new strategy in medical insurance coverage is medicare supplement insurance texas, which can be getting considered as additional insurance which covers pretty much all kinds of medical costs in the clinic or for the take a look at to physician. Mostly the medical insurance only addresses 80% in the costs billed to insured along with the rest must be compensated by the insured, and also there will be deduction and such is immediately deducted. To locate the best medicare supplement insurance Texas one particular can evaluate the very best quotes offered by the organizations in the healthcare insurance coverage business enterprise and can select the best determined by the estimate, high quality, network hospitals, illnesses coated, as well as other phrases and circumstances, by this determined by the number of facilities supplied and by comparing the high quality with all the quantity insured it can be very best to return to your summary to pick the best medical insurance coverage provider in and around Texas location.
Source: wordpress.com

Compare Medigap Plans: Affordable Medicare Supplemental Insurance

All of our agents are highly-trained, intimate with and habitually place within the highest 100 percent within the nation for provision new policies. We have a tendency to work one-on-one with each individual to seek out first-time Medicare supplemental amount and still guide you in your decisions throughout the annual renewal amount. We glance forward to serving you. To find out additional, address any considerations, answer queries and acquire started finding cheap Medigap coverage, contact one among our specialists these days.
Source: blogspot.com

Weiss Ratings Launches Unique Medicare Planning Tool for Seniors

The Planner suggests specific Medicare plans at the lowest prices offered by the strongest insurers. And because some plans with low initial rates may actually be more costly in the long run, the Planner has another distinctive capability—it considers historical price increases for Medigap policy recommendations. It also gives seniors the benefit of government quality assessments, by taking into account the federally assigned star ratings when making Medicare Advantage and prescription drug plan recommendations.
Source: moneyandmarkets.com

Lanzarote canaries: How To Determine The Best Medicare Supplement Insurance Texas

An aging population needs more health care attention so as to remain in good health. What this implies is that the veterans are bound to spend more of their retirement savings on the medical expenses. Turning to insurance companies for health insurance can prove very decisive. There are quite a number of health insurers who offer supplements, and at times it can be a challenge to pick the one that suits your interest. It is imperative that before choosing the right medicare supplement insurance Texas people do research to have enough knowledge of the types that are available in the market. Different types of these programs provide cover for a specific thing. Some covers will deal with inpatient situations while others deal solely with outpatient care. What you end up with at the end of the day depends on what you want and also according to your pockets. There are some programs that will cover a wide range of health issues, but it is not possible to find one program that caters for all your medical needs. This is now when you need to have supplemental programs. They are also called medigap, the main reason being that they bridge the gap between what your insurance coverage offers and what you would wish to have in your coverage. With supplemental programs, you are able to meet all the medical expenses that you incur as a result of health care needs. However, you need to know that these programs are not all inclusive. They are never purchased as standalone polices. In other words, the programs only supplement whatever medicare cover that you have already. There is however, no requirement as to the type of coverage one should have before they can purchase medigap. It helps to first speak with your medical insurer before you settle on one so that you know their specifications. People want to be in full control of their medical expenses, and this is the main reason why people are increasingly turning to supplemental programs. To reach this target, you must be careful in how you choose the supplement programs from the many that are offered. It is possible for one to choose the best one that fits their needs, because it is virtually impossible to pay for all the supplements available. The main reason for the supplemental programs is to help you. Most of these insurers are not out to fleece or con you but have your interest at heart. Also, these companies are very easy to deal with. The supplements may appear cheaper on individual level but when you have so many of them, you may realize that you are paying too much. You should control what you subscribe to. This way, you can avoid spending a lot of money on the supplements. When choosing
Source: blogspot.com

Medicare Supplement Insurance

In 2004, Jess and Sandra heard about some exciting options for Medicare. Jess and Sandra started to learn more about the different Medicare Advantage, Medicare Supplement, and Part D prescription plans. As Sandra puts it, “They dove into the senior market heavily; it just exploded.” Jess and Sandra have become experts in the Medicare marketplace. The demand was great back then and continues to be to this day. Sandra said, “We are certified with every company that does business here in Indiana. 80% of what we do is Medicare focused.” The annual election period is October 15 to December 7 for Medicare. “Every participant can change their current plan with Easy Street,” said Jess. Jess and Sandra look at many options to find the right plan to match each client’s needs.
Source: atcentergrove.com

Save Your Financial Future By Purchasing Medicare Supplemental Insurance

Medicare Part A is basic hospital coverage.  Part A limits coverage to inpatient care within the hospital, hospice and home health care.  Medicare Part B helps provide the medically necessary services such as doctors’ services, outpatient care along with some preventative services.  It is obvious to see why Medicare supplemental insurance is necessary.  There are many holes that are left that leave seniors susceptible to financial troubles.  Living on a set budget does not take into consideration those things not covered by insurance.
Source: seniorhealthdirect.com

Health Law Prompts Review Of Some Medigap Plans; Defining Who Gets Dependent Status

Posted by:  :  Category: Medicare

Gravel MediGap by Mike Licht, NotionsCapital.comYour plan and Plan C are the most popular Medigap plans, chosen by nearly two-thirds of beneficiaries. Those are also the policies that provide significant “first dollar” coverage: they pay the deductibles for both the hospital and outpatient portions of the traditional Medicare program (Parts A and B) as well as the 20 percent coinsurance required for doctor visits, and cover other services as well. People with these supplemental plans may pay virtually nothing for medical services beyond their premiums.
Source: kaiserhealthnews.org

Video: High-End Medigap Plans Offered at Basic Plan Rates

Medicare Plan Finder for Health, Prescription Drug and Medigap plans

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

Understanding Your Options: What is Best for You? Medicare Advantage Plan or Medicare Supplement and Part D Drug Plan?

If you have a Medigap policy and join a Medicare Advantage Plan (like an HMO or PPO), you may want to drop your Medigap policy. Your Medigap policy can’t be used to pay your Medicare Advantage Plan copayments, deductibles, and premiums. If you want to cancel your Medigap policy, contact your insurance company. In most cases, if you drop your Medigap policy to join a Medicare Advantage Plan, you won’t be able to get it back. If you have a Medicare Advantage Plan, it’s illegal for anyone to sell you a Medigap policy unless you’re switching back to Original Medicare. Contact your State Insurance Department if this happens to you. If you want to switch to Original Medicare and buy a Medigap policy, contact your Medicare Advantage Plan to disenroll.
Source: indoamerican-news.com

Can discussing healthcare help you keep clients?

The survey, conducted by Harris Interactive on behalf of Nationwide this year, says that four in five advisors believe they may not have the knowledge to conduct these discussions well, but “while advisors don’t sell health care or Medigap policies, they do need to help their clients create the income stream to pay for those costs.”
Source: smartplanet.com

Learning About Medicare and Medigap Policies

Naturally, there will be balances left over owed to the doctors, hospitals and for your tests. Medicare may not cover all of it, (this is known as out-of-pocket expenses), therefore, this is when the medicare supplements phoenix az residents purchase, help to offset the total costs. You can not purchase the plans without having Medicare Part A and Medicare Part B since they work along with each other. You can imagine the costs involved if you have surgery, stay in the hospital, see doctors and have tests and owe 20% balance on the total. It would add up to an astronomical amount.
Source: bcapledge.org

The Best Benefits Of Medicare With Medigap Plans

In this respect it should also be kept in mind that though the Medicare Supplement Plans are totally under the administration of the private insurance companies, but still they are allowed to sell not more than 12 standardized Medigap plans. These plans were standardized in 1992 are labeled under the letter covers A through L. Each of these policies provides different set of policy coverage and repayment plans. And with these it is possible to fill up the gap left behind by the Original Medicare. It should also be reminded that these plans are supplementary insurance plans and are not to be sold independently. Even if a Medigap beneficiary switches over to any other plan other than the original Medicare then it is not possible for him to use the benefits of the Medigap plans. Therefore one should remain the beneficiary of the Medicare original plans in order to get the benefits of the Medigap plans.
Source: carpenterstraining-souix.org

Top Medicare Part D Plan Costs Spike in 2013

Posted by:  :  Category: Medicare

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

Video: Medicare Part D Prescription Drug Plan Basics

Part D Perspectives: RetireSafe

While choice is a good thing and a central element of Part D, it becomes increasingly important to educate participants. There is a natural tendency to let things stay the way they are if nothing is perceived to be wrong, and with such high satisfaction rates, few people are likely to take the time to reevaluate their options to ensure their current plan is still best. This is why we have helped educate and train participants on the open enrollment process since the program’s inception in 2006, as well as encourage family members and caregivers to help older Americans take advantage of open enrollment and the opportunity to shop for the right plan that meets their needs.
Source: phrma.org

Seniors: Check Your Medicare Part D Plan Annually

Sandy Dailey of CLAIM, or Community Leaders Assisting the Insured of Missouri says a review is not just for those new to the prescription drug program. Insurance companies may change their drug coverage from one year to the next, so everyone is encouraged to evaluate their options annually.
Source: khmoradio.com

Seniors spending hundreds unnecessarily on Medicare Part D plans

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Source: retirementrevised.com

Open Enrollment For Medicare Part C & D

Why shop around? Like any other insurance policy that renews annually, it’s important to see if your current options still best fit your needs. For example, what may have been the most efficiently priced policy last year could be significantly higher this year. Pricing for most Medicare Advantage Plans are expected to increase moderately this coming this year. However many Medicare Part D Plans are expecting double digit increases in premiums. Second, your current plans provisions and benefits may have changed and may not best fit your needs anymore. Finally, you may have had a change in your personal circumstances where another option may be more efficient. When shopping around for Medicare Advantage, just make sure that any new plan that you are considering has your primary care physician, specialists and care facilities that you are likely to use are on the plans network of providers.
Source: figuide.com

Why You Should Compare Medicare Part D Plans During Open Enrollment

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Source: creditvisionary.com

Medicare Part D and Medicare Advantage Changes for 2013

The Affordable Care Act includes provisions that, over time, are reducing the cost of prescription drugs for people who fall into the coverage gap, or “donut hole.” In 2011 and 2012, the discount for brand name drugs was 50%; in 2013 and 2014, it will increase to 52.5%, and will grow after that until it reaches 75% in 2020.
Source: wordpress.com

How do I know I have the cheapest Part D plan?

You have plenty of company in confusion, it turns out. Only 5 percent of Medicare beneficiaries buying stand-alone Part D drug plans choose the plan that’s cheapest for them, according to a study published in the October 2012 issue of Health Affairs. The average beneficiary paid $368 more in premiums and drug costs than they would have if they’d chosen the cheapest plan for their specific assortment of prescriptions, and more than a fifth overspent by at least $500 a year.
Source: consumerreports.org

The Moral Arc and the Daily Line: Closing the Dreaded Donut Hole

Initially, you may have to pay a deductible of a little more than $300 and an average of 25% of the cost of your medication until you reach the $2,930 drug coverage limit. (The dollar amount to reach the $2,930 coverage limit includes what you pay and what the plan pays.) Then you hit a coverage gap or donut hole where the costs of your co-payments increase until you reach catastrophic coverage.
Source: blogspot.com

We are looking for Health Plan Enrollment Advisors in Salt Lake City, Utah and Gold River, CA

An innovative, National Health Insurance Company is looking to hire multiple Enrollment Advisors.  An active Health Insurance License is an absolute requirement. As a medicare Part D Enrollment Advisor you will assist customers in online enrollment process for Medicare part D plans. This person will be responsible for maintaining the highest level of professionalism and providing a great customer experience to all customers, while consistently meeting and/or exceeding certain enrollment and call center metrics.
Source: parallelhr.com

When Frankenstorms Like Hurricane Sandy Hit: How Medicare Part D Plans Prepare for Disaster

For example, let’s say you filled a 30-day prescription for your blood pressure medication last week. Under normal conditions, most Part D plans would reject the claim if you tried to refill this prescription next week. We call this a “Refill Too Soon” claim rejection. But when the government declares an emergency, beneficiaries are entitled to get refills immediately without disruption. So, for example, if you lose your medication during a flood or other disaster, or you can’t get access to your medications because the roads to your home are blocked, you can order a refill and your claim will not be rejected at the pharmacy.
Source: themeddiva.com

Using MedicareDrugPlans.com to Help You Find the Right Plan

Be sure to check out MedicareDrugPlans.com to compare and contrast plans; and don’t worry – plan ratings are completely objective, as we are not affiliated with any plan. In fact, the ratings are provided by people who actually use the plans, based on criteria like deductible, monthly premium, drug coverage, and customer service. Perhaps even more helpful than the ratings are the written reviews where Medicare Part D enrollees explain their experiences with plans, often expressing frustration with formularies that change mid-year, problems at the pharmacy using the plans, or copay issues. If you want to recommend (or steer people away from) a plan, make sure to leave a rating and review.
Source: pharmacycheckerblog.com

Enjoy Best of Health during Festival Season and Upcoming New Year Choosing Right Health Plan Under Medicare or Not

Posted by:  :  Category: Medicare

Deputy Administrator and Director for the Center of Medicare at CMS Jonathan Blum visits Christiana Care to speak about accountable care organizations by Christiana CareSudhir Mathuria, a Houstonian for over 30 years, has been an active participant in various community associations. He is a licensed proffesional for Medicare and Medicaid related health care plans. He can be reached by phone at 713-771-2900 or via email at sudhir@MyMedicarePlanning.com. For more information, visit: www.MyMedicarePlanning.com
Source: indoamerican-news.com

Video: Medicare : How to Qualify for Medicare Under 65

Question about Obamacare/medicare changes

With medicare, you’ve always had to have so many quarters that you paid in to be eligible to draw it when you hit 65. Will it still be the same way under Obamacare, or will all that change? As unbelievable as it sounds, my former employer did not withdraw medicare from my check because we were covered by a pension system. It was only for persons hired in a certain few years they did this, but I got caught in it. I even requested to have them start and one point, and they said it was not possible. I had some quarters already from HS and college jobs; I am currently "self employed" at ranching. I know there is a way I can pay in or buy quarters toward Medicare; or just get another job until I achieve the amount needed. Just wondering which way to plan.
Source: early-retirement.org

Settlement Proposed for Medicare Coverage of Home Health Care

The changes would apply to the traditional Medicare program and private Medicare Advantage plans. More than 10,000 beneficiaries whose claims were denied before Jan. 18, 2011 — when the lawsuit was filed — are expected to benefit as their claims would be re-examined under the new standards, the Times reports.
Source: californiahealthline.org

Legal Ease: Who is eligible for Medicaid benefits?

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Source: fredericksburg.com

Defining Meaningful Use Stage 2 and What it Means for Your Healthcare Institution

How can your healthcare facility ensure compliance? Complying with Meaningful Use Stage 2 requirements will lead to the adoption of more interoperable devices that must be able to access record systems across the clinical data repositories of the hospital and out into the community.  An interoperable strategy also must encompass a means to protect and encrypt patient data to comply with HIPAA standards. Bringing system access closer to the point of care helps improve real-time record keeping, patient safety, compliance and, most importantly, clinical outcomes.  But this is no small feat for IT professionals when many clinicians demand the use of personal devices in the professional environment. Developing a secure, interoperable mobile strategy on a brand-agnostic platform – i.e., operating system, carrier – could prove to be a winner that blends voice and data across the healthcare system for users, patients, their caregivers and IT decision makers who, in the end, must support these systems and provide the analytics to prove compliance with Stage 2.
Source: intelligenthospitaltoday.com

Medicare cost control in action

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Source: marginalrevolution.com

Medicare Home Health: Medicaid vs Medicare

It’s possible – indeed, sometimes it’s absolutely necessary – to be on both Medicare and Medicaid. In that case, Medicare first pays medical bills up to whatever its rules allow, then Medicaid pays the rest. Always get Medicaid, if you can, to supplement Medicare, because with it, you’ll have a way to pay deductibles and co-payments that you would otherwise face without it. Moreover, Medicaid pays for some things Medicare doesn’t cover at all. Conversely, always get and keep Medicare (including Part B) even if you are already on Medicaid. Medicare pays doctors and hospitals more than Medicaid does, and therefore will make them more likely to accept you as a patient and devote adequate time to your case. Don’t be afraid of the Part B monthly premium, either. Once you’re on Medicaid, it will start paying the Medicare premium for you, and your SSDI check will go up by $84.00.
Source: blogspot.com

Can You Add Your Wife And Child To Your Medicare Advantage?

This entry was posted in Medicare and tagged End-Stage Renal Disease, Health insurance, Houston, Insurance, insurance agent, katy, Medicare, Medicare Advantage, Medicare Supplement, Patient Protection and Affordable Care Act, Prescription medication, richmond, rosenberg, sugar land, Texas, TX. Bookmark the permalink.
Source: wordpress.com

An open Letter to Congressman Denny Rehberg from Planned Parenthood Advocates of Montana

First, most reproductive-aged women cannot access Medicare for the purposes of family planning services. Medicare is only available to women under 65 if they have severe medical disabilities and the men and women we are talking about simply don’t qualify. However, if you meant to say ”Medicaid”, Congressman Rehberg, let me remind you that Montana has one of the lowest Medicaid eligibility rates in the country. Basic Medicaid eligibility in Montana is quite strict. To be eligible, our state requires you to be a parent or related adult of a dependent child at or below 33% of the federal poverty level, or that you are a child, pregnant, diagnosed with breast or cervical cancer, older than 65, or blind and disabled. Through Medicaid alone, thousands of Montana women are left without care. Title X was designed solely for this purpose – so women not sick or poor enough to qualify for Medicaid could still access preventive care in the hope they can remain healthy.
Source: intelligentdiscontent.com

Marshall Elder and Estate Planning Blog: New Medicaid Spousal Impoverishment & Aging Waiver Qualification Figures for 2013

, the Social Security Administration released its cost-of-living adjustment (COLA) for 2013. And the U.S. Department of Labor Bureau of Labor Statistics has recently released the consumer price index figures for September. These important numbers will impact tens of millions of seniors in 2013.
Source: blogspot.com

Medical insurance: Why your city and profile are important

Posted by:  :  Category: Medicare

TTT #5... 259365 by paloetic1.    Pre hospitalization & Post hospitalization treatments costs should consider at least 60-90 days of pre-hospitalisation and post-hospitalisation costs. 2.    Daily cash benefit 3.    Free health checkup benefit. 4.    Coverage of pre-existing diseases 5.    Maternity cover inbuilt into the product 6.    Coverage of non-allopathic treatments or alternative medicine treatments. 7.    Critical illness rider 8.    Discount on claim free renewal 9.    Renewability of product – a life long renewable product is best suited.
Source: firstpost.com

Video: Health Insurance Hemet

Choosing a Health Insurance Plan?

You should take advantage of a new consumer benefit to help you compare health insurance plans. Beginning September 23, 2012, all private insurers must describe their health policies in a same way. Here’s an example of the first page of this description, so you know what to look for.
Source: consumersunion.org

Managed Risk Medical Insurance Plan To Cut Premiums in 2013

Program officials were considering an average rate increase of almost 10% for MRMIP members. However, Gov. Jerry Brown (D) last month signed a bill (AB 1526) — by Assembly member Bill Monning (D-Santa Cruz) — that allows the program to subsidize rates to help keep individuals from leaving the plan because of premium changes (Robertson, Sacramento Business Journal, 10/18).
Source: californiahealthline.org

Health Law’s Promise Of Coverage Not Resonating With Miami’s Uninsured

“Personally, it’s about the comfort level,” said Bentley patient Natalie Santiyani, 21, a full-time scholarship student at Florida International University. “They have health insurance at school, but I’ve been coming here for a long time and paying out-of-pocket.” She plans to vote for Obama because “he’s better for the middle class and the lower class,” she said, but health care is only one piece of her agenda. Santiyani’s mother and grandmother have had a difficult life ever since they emigrated from Honduras 30 years ago, and, Santiani said, “I want to help them anyway I can.”
Source: kaiserhealthnews.org

Poll: How healthy is your health insurance plan?

Kellie Lunney covers federal pay and benefits issues, the budget process and financial management. After starting her career in journalism at Government Executive in 2000, she returned in 2008 after four years at sister publication National Journal writing profiles of influential Washingtonians. In 2006, she received a fellowship at the Ohio State University through the Kiplinger Public Affairs in Journalism program, where she worked on a project that looked at rebuilding affordable housing in Mississippi after Hurricane Katrina. She has appeared on C-SPAN’s Washington Journal, NPR and Feature Story News, where she participated in a weekly radio roundtable on the 2008 presidential campaign. In the late 1990s, she worked at the Housing and Urban Development Department as a career employee. She is a graduate of Colgate University.
Source: govexec.com

U.S. to Sponsor Health Insurance Plans Nationwide

David Feldman is an American comedy writer and performer. He has written for Roseanne, Dennis Miller Live, Real Time with Bill Maher, The Daily Show with Jon Stewart, and Talk Show With Spike Feresten on Fox. He also appeared frequently on Late Night with Conan O’Brien as well as other televised comedy shows. Feldman began as a standup comic in San Francisco after graduating from Columbia. Some odd years later he moved to Los Angeles where he lives with his wife. In 2009, Feldman launched the popular listener supported ‘David Feldman Comedy Podcast’ which includes a diverse mixture of live and prerecorded content which can be downloaded from iTunes for free. Feldman also spoke at Pitzer College’s 2009 Commencement Ceremony.
Source: davidfeldmanshow.com

Health Insurance Companies Are Worried About A Romney Victory

In contrast, Obama’s law is starting to look more and more like a tangible business opportunity. In a little over a year, some 30 million uninsured people will start getting coverage through a mix of subsidized private insurance for middle-class households and expanded Medicaid for low-income people. Many of the new Medicaid recipients would get signed up in commercial managed care companies.
Source: businessinsider.com

NCQA Releases Top 984 Health Insurance Plan Rankings

NCQA is one of the top healthcare accreditation organizations in the nation. NCQA accreditation means the organization/plan has gone through a rigorous process of achieving national recognition for adhering to standards of excellence for quality and patient safety. Beginning in 2014, according to the Affordable Care Act, any plan sold through exchanges must be accredited. NCQA consultants are available through BHM Healthcare Solutions as well as other healthcare management consulting firms. These consultants can assist with the accreditation process. Policies and procedures are already in place so you don’t have to reinvent the wheel.
Source: bhmpc.com

Health insurance companies ‘scared to death’ about Romney victory

The industry has three items in particular it wants stripped out: cuts to Medicare Advantage private insurance plans; a requirement that insurers spend 80 percent of premiums on medical care or rebate the difference to their customers; and new taxes on insurance companies. But CEOs don’t share the visceral objection that many Republicans have to a bigger government role in health care, Business Insider said.
Source: digitaljournal.com

Medicare Open Enrollment: What’s your back

Nobody likes to think of back-up plans when it comes to our health, but health can be as unpredictable as the weather. It’s hard to know what you’ll feel like next week, much less what health care you’ll need next year. But that’s exactly what you need to think about when you’re shopping for health coverage during Medicare Open Enrollment – which ends on December 7.
Source: medicare.gov

U.S. Set to Sponsor Health Insurance

Walton J. Francis, the author of a consumer guide to health plans for federal employees, said the personnel agency had been “extraordinarily successful” in managing that program, which has more than 200 health plans, including about 20 offered nationwide. The personnel agency has earned high marks for its ability to secure good terms for federal workers through negotiation rather than heavy-handed regulation of insurers.
Source: jallencoblog.com

Insurance Companies Rip Medicare Off for $282.6 Billion

Posted by:  :  Category: Medicare

Joe the Plumber - To Flush The System ... More scams aim to ensnare Brevard seniors - Their ingenuity is boundless, Archer said. (Jul 2, 2012) ... by marsmet524In addition, private insurance plans cherry-pick by selectively recruiting the healthiest seniors whose care will cost much less than the premiums they generate for the company. As the article concludes, both Republicans and Democrats who championed Medicare HMOs in the eighties and nineties argued that “market-based” privately financed Medicare would be more efficient and save money. In fact the opposite is the case. As with privatized prisons, charter schools, public water systems and private military contractors like Blackwater and Halliburton, this is yet another form of corporate welfare – another way to bilk taxpayers out of hundreds of billions of dollars to increase CEO salaries and shareholder dividends. Health-care CEOs had the highest median pay of any industry in the 2010 The Wall Street Journal CEO Compensation Study.
Source: aegauthorblogs.com

Video: What is a Medicare health insurance exchange?

Health insurance companies ‘scared to death’ about Romney victory

The industry has three items in particular it wants stripped out: cuts to Medicare Advantage private insurance plans; a requirement that insurers spend 80 percent of premiums on medical care or rebate the difference to their customers; and new taxes on insurance companies. But CEOs don’t share the visceral objection that many Republicans have to a bigger government role in health care, Business Insider said.
Source: digitaljournal.com

Health Insurance Companies Are Worried About A Romney Victory

In contrast, Obama’s law is starting to look more and more like a tangible business opportunity. In a little over a year, some 30 million uninsured people will start getting coverage through a mix of subsidized private insurance for middle-class households and expanded Medicaid for low-income people. Many of the new Medicaid recipients would get signed up in commercial managed care companies.
Source: businessinsider.com

Massive Profits in Ryan Medicare Scheme Drive Insurance Industry Cash to Republicans

The insurance industry and HMOs so far in the 2012 election cycle have given at least $14 million in campaign contributions to U.S. House members who voted for the Ryan plan to privatize Medicare, according to a new report prepared by Public Campaign Action Fund and Health Care for America Now utilizing data downloaded and coded by the Center for Responsive Politics. Mitt Romney, the Republican presidential candidate, has received $2.7 million from insurance interests this cycle alone. Taking the long view, members of Congress who voted for the Ryan budget collected $49.7 million in campaign contributions from the insurance industry over their careers – far more than those voting against the plan, the report said.
Source: healthcareforamericanow.org

Insurance in Medicine Is a Natural Locus of Fraud

The process of insurance itself raises the possibilities of fraud, as compared with simply buying a medical service directly. The insurer has to assess risk, and people filling out questions can lie. The insurer cannot check all the questions. If it could, it wouldn’t be asking them. It has to rely on a degree of honesty. People can misrepresent the status of their health or a car’s mileage. People can collude with agents on claims. Agents can divert payments from insurers to themselves. People can file false claims. Crime gangs can empty a warehouse, fill it with junk, and then burn it down. Then it can collect the insurance. There are various ways to inflate claims and use kickbacks to defraud the company. People can file a claim for damage that occurred before the insurance took effect, because the company cannot check everything. People can inflate a claim to cover the deductible.
Source: lewrockwell.com

Medicare, Health Law Are Common Themes In House And Senate Races

The Associated Press/Wall Street Journal: Spending By Outside Groups Rocks Many House Races Rep. Dan Lungren knows what it’s like to have a big bull’s eye plastered on his back. The Democratic Party and labor and environmental groups have spent $4.7 million on TV commercials and other efforts to unseat the nine-term Republican congressman from California. That makes him one of the biggest targets of outside groups, which are throwing unprecedented sums of money into House races this year. “I don’t recognize the person they’re portraying,” Lungren said about the ads that paint him as an ally of Wall Street and enemy of Medicare and abortion rights. He added, “Yeah, these ads have a considerable impact” (10/27).
Source: kaiserhealthnews.org

Get Down Get Funky with Junk to Fund Annuity or Medicare Premium

at normal historical spreads of 300 basis points, it would not surprise this writer to see a correction or two along the way, but we are a long way from double trouble in defaults and principal risk as we were in the late 80s. For the CNN writer to compare the 19% plus yields of 2009 when Chicken Little reigned to today just ignores what every Corporate Treasurer and Investor should be doing right now.-Lowering borrowing costs, refinancing and looking for alternatives to negative yields in Treasuries. It’s the type of junk bond that makes the difference and if investors are buying fallen angels, or companies in a turnaround situations with strong financials; that’s a plus today with banks stingy regulation- laden lending standards. If the company’s financials are really junky, then run. Those are the kinds of bonds that yield over 800 basis points above Treasuries.
Source: annuitythinktank.com

Medicare Open Enrollment: What’s your back

Nobody likes to think of back-up plans when it comes to our health, but health can be as unpredictable as the weather. It’s hard to know what you’ll feel like next week, much less what health care you’ll need next year. But that’s exactly what you need to think about when you’re shopping for health coverage during Medicare Open Enrollment – which ends on December 7.
Source: medicare.gov

Massive Profits in Ryan Medicare Scheme Drive Insurance Industry Donations to Renacci’s Campaign

For the insurance industry, the political spending is an investment that could reap enormous returns. A respected Wall Street analyst estimates that the market value of Wall Street-run health insurance companies will soon increase by $12 billion to $25 billion if the Republicans win the Senate and the White House, the report said. By 2030 the industry would post $16 billion to $26 billion in increased annual profits attributable to the Medicare privatization, according to a Harvard economist. “It’s no coincidence that big insurance is putting big money into races like Rep. Renacci’s re-election campaign,” said Brian Rothenberg, Executive Director, ProgressOhio. “To an industry obsessed with maximizing its returns, this is a smart investment that will yield big profits. The problem is, lawmakers like Rep. Renacci are supposed to be working for constituents, not for Wall Street.”
Source: progressohio.org

Romney’s proposal for Medicare would benefit insurance companies, raise costs for seniors

As part of the Affordable Care Act, $716 billion was cut from Medicare spending (not funding). A big chunk of this cut was reducing spending on the Medicare Advantage program, a failed privatization plan. Medicare Advantage turned over a part of Medicare to private health insurance companies. But instead of costing less, it has always cost more than the government Medicare program to provide the same benefits. This is a no-brainer since the private, for-profit insurance companies have to pay dividends and huge executive salaries that Medicare does not. This is why 98% of Medicare spending goes to health care, while private insurance companies have spent only 80% or even less, with the rest going to shareholders, executives and waste. The Affordable Care Act tries to reign in this spending.
Source: fightbacknews.org

Is Choosing a Health Plan Like Buying a Car or Canned Goods?

Posted by:  :  Category: Medicare

That brings me to the problem of Medicare Advantage plans and the apparent wrong decisions millions of seniors are making.  The Centers for Medicare and Medicaid Services (CMS), which runs the Medicare program, rates Medicare Advantage plans using a star system—the more the better.  The stars supposedly offer clues about plan quality including whether plan members get timely screenings and vaccinations and how how quickly they respond to complaints.  But a consulting firm, Avalere Health, did a little study and found that seniors choosing Medicare Advantage plans pick the ones with fewer stars, not more. Avalere said that nearly 50 percent of Medicare beneficiaries chose plans that merited only two or three stars.  The number may be higher.  CMS says that seniors pick plans based on costs and their ability to see a doctor they like, not ratings.
Source: preparedpatientforum.org

Video: The Great Gildersleeve: Gildy Learns to Samba / Should Marjorie Work / Wedding Date Set

Fidelis adds urological surgeons to network

Fidelis Care, the New York State Catholic Health Plan, has added Capital Region Urological Surgeons PLLC to its provider network.   Capital Region Urological Surgeons, with 13 physicians and 2 nurse practitioners, has been providing urologic care in the Capital Region for nearly 30 years. The group’s specialties include urologic oncology, prostate disorders, kidney stone therapy, infertility, urinary incontinence and female urology. Offices are located in Albany and Saratoga Springs.
Source: timesunion.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

The American Spectator : The Spectacle Blog : GOP Report Charges AARP Getting “Kickbacks” In Dem Health Care
Bills

Richo, you are ignorant with to regards to the actual benefits that the Medicare Advantage Plan provides. I was skeptical when I was first informed by an insurance agent that there would be no monthly fees. I then learned that my medicare payments through Social Security, the $96.00 monthly, would be paid to the Medicare Advantage provider in return for my Medical Insurance coverage, both “A” and “B”. I also get a good discount on my one perscription drug of a least 70% over what I was paying with my Medicare “D” through Anthem. In addition, The SilverSneakers program for maintain my physical health is a big plus. I am 71 years old and in good physical condition. I enrolled in the Silversneakers program through our newly constructed YMCA. I paid the $75.00 joiner fee and The Medicare Advantage pays my monthly membership. How can you argue that this is not a cost savings for those of us who have been retired and needed assistance with our health insurance cost? Would you please e-mail your reply or rebutal. Jack, Wabash, Indiana
Source: spectator.org

Health Benefit Cost Growth Accelerates, Survey Says

The union said in a statement that the state required the fund to participate in a new program — the Family Health Plus Buy-In Program — beginning in 2008. The union said it expected that by joining the program, many of its members would qualify for state assistance for health-insurance coverage. “Instead they raised insurance rate increases without any increase in funding, and then cut Medicaid funding to the same workers nine times in the last three years,” the union said in a statement.
Source: wordpress.com

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Source: ctudi.com