Obama Would Better Handle Medicare, Swing State Voters Say in Polls

Posted by:  :  Category: Medicare

"Every citizen should be a soldier. This was the case with the Greeks and Romans, and must be that of every free state." ` Thomas Jefferson. by eyewashdesign: A. GoldenAccording to “The Caucus,” the challenge for Obama is that Medicare is a stronger motivator for older voters than for younger voters. Medicare was chosen as the top campaign issue by 20% of Florida voters over age 65, compared with just 3% of voters under age 55 (Cooper/Kopicki, “The Caucus,” New York Times, 11/1).
Source: californiahealthline.org

Video: David Rouzer’s Budget Would “Essentially End Medicare”

State Roundup: Kids’ Autism Covered In Wash. Medicaid

Houston Chronicle: Texas To Keep Planned Parenthood In Health Program – For Now Planned Parenthood will remain part of the Women’s Health Program for now, state officials said Wednesday, putting off the organization’s ouster as critics questioned whether enough health-care providers would exist without it. Gov. Rick Perry and Texas Health and Human Services Executive Commissioner Kyle Janek cited court action and a desire to hold on to federal funding in putting off Thursday’s anticipated start of a new Texas Women’s Health Program, which would be run only with state dollars and without Planned Parenthood. Perry on Wednesday said Texas remains committed to barring the clinics from the program, saying state law excludes those affiliated with abortion providers (Fikac, 10/31).
Source: kaiserhealthnews.org

Washington becomes second state CMS approves for dual eligible

HealthPathWashington, a voluntary program, will integrate services and establish “health homes” to bring Medicare and Medicaid-eligible beneficiaries better care, Gov. Chris Gregoire (D) said Thursday. The state is projected to save nearly $14 million over five years and will focus on 30,000 of its dual eligibles at the highest risk for poor outcomes.
Source: mcknights.com

In Swing States, Obama Leads on Handling of Medicare

Mr. Romney and Mr. Ryan have called for curbing the growing costs of Medicare by making major changes to the program. Their plan would change Medicare for people who are now under 55 so that when they are eligible for coverage they would no longer receive a government-guaranteed, fee-for-service health plan but rather a fixed amount of money each year that they would use to purchase private health insurance or buy into a version of the existing Medicare program. But they have not provided enough details of their plan to assess how much it might increase out-of-pocket costs for future beneficiaries. Mr. Obama has pledged to preserve Medicare in its current form, but has spoken less about its rising costs.
Source: nytimes.com

CMS Issues Final Rules on Medicaid, Medicare Provider Payment Rates

The payment increase applies to physicians practicing in family medicine, general internal medicine, pediatric medicine and related subspecialties, such as board certified pediatric cardiologists. The rule clarifies that primary care services delivered by medical professionals working under the personal supervision of a qualifying physician, such as nurse practitioners, also are eligible for the higher payment rate (Reichard,
Source: californiahealthline.org

Medicare Plans in Washington State are now slightly better

Medicare Plans in Washington State are now slightly better. Medicare Plans in Washington State are now slightly better. Medicare Plans in Washington State are now slightly better. Medicare Plans in Washington State are now slightly better. Medicare Plans in Washington State are now slightly better. Medicare Plans in Washington State are now slightly better. Medicare Plans in Washington State are now slightly better. Medicare Plans in Washington State are now slightly better. Medicare Plans in Washington State are now slightly better. Medicare Plans in Washington State are now slightly better. Medicare Plans in Washington State are now slightly better.
Source: grouphealthwashington.com

Obamacare ‘Surprise’ Threatens Access to Medicare Advantage Coverage, AMAC Charges

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

New TV ad: “Lee Terry is a strong supporter of Medicare”

Posted by:  :  Category: Medicare

Two local residents talk about Rep. Lee Terry’s record in this regard and criticize candidate John Ewing for backing $716 billion in cuts to the program. The cuts were mandated in the 2010 healthcare law.
Source: nefrw.org

Video: Nebraska and Medicare Supplements

Nearly 600 WPS Health Insurance Jobs Could be Cut in Madison & Wausau

About WPS Health Insurance Founded in 1946, WPS is Wisconsin’s leading not-for-profit health insurer, offering affordable individual health insurance, family health insurance, high-deductible health insurance, and short-term health plans, as well as flexible and affordable group plans and cost-effective benefit plan administration for businesses. The WPS Medicare division administers Part A and B benefits for millions of seniors in multiple states, and the WPS TRICARE division serves millions more members of the U.S. military and their families. In 2012, the international Ethisphere® Institute named WPS one of the World’s Most Ethical Companies for the third straight year. WPS is the only health insurance company to earn this distinction multiple times. For more information about WPS Health Insurance, visit www.wpsic.com.
Source: nbc15.com

Fischer says deep concern about direction of country drives campaign (AUDIO)

“Well, I guess I would criticize him for always saying that we have to raise taxes,” Fischer tells Nebraska Radio Network in an interview. “You know we haven’t done that here in the state of Nebraska. We balance our budget every year. I’ve done it the last eight years. We’re required to do it. It’s in our constitution and we need to see that at the federal level as well.”
Source: nebraskaradionetwork.com

Daily Kos: When did Nebraska’s Senate race become competitive?

JohnAdams999, NYFM, DCDemocrat, HoundDog, citizenx, roycej, reflectionsv37, karmsy, BobBlueMass, Dave in Northridge, Sylv, Texdude50, elziax, Omahan, Jim H, George3, implicate order, RUNDOWN, dickensgirl, Denise Oliver Velez, immigradvocate, Hatrax, Mambo, sillia, Vatexia, gizmo59, Egalitare, renzo capetti, WhizKid331, Thinking Fella, antooo, BasharH, Vico, camlbacker, wu ming, Wreck Smurfy, MsGrin, Odysseus, scribeboy, edwardssl, wdrath, BYw, Bush Bites, nice marmot, pademocrat, IamNotaKochsucker, luckylizard, IndieGuy, keetz4, walkshills, manyamile, furpletron, dianamherrera, polecat, silencekit, geordie, Char, IM, BirdMom, eeff, laurak, leonard145b, bythesea, Catherine R, Iron Spider, TKO333, tinfoilhat, Involuntary Exile, dkosdan, sethtriggs, Sharon Wraight, spooks51, tamandua, Eric Blair, mconvente, bgblcklab1
Source: dailykos.com

$73.77/mo for Full Coverage #Medicare in Nebraska? Yes @MedicareWire from #UHC #AARP

Are you still wandering around the internet looking for how you can make money on the internet? Have you spent time looking for opportunities and mentors that were going to fly you to the promise land. If you have been thru hell and back with your MLM and Network Marketing and your ready to finally GET PAID. Then join us at Empower Network where YOU GET PAID 100% COMMISSION http://www.empowernetwork.com/jennifersalhi
Source: posterous.com

Time To Cash In Coventry Profits

The insurer said its medical costs also climbed 22 percent to $2.67 billion. Selling, general and administrative expenses rose 6 percent to $521 million. Coventry’s medical-expense ratio, or the percentage of premium revenue used to pay patient bills, was 84.4%, up from 81.5% a year earlier and down from 85.9% in the prior quarter. Total operating expenses climbed 19%.
Source: seekingalpha.com

New Nebraska Network:: Johanns Votes To End Medicare As We Know It

Now that would be interesting to know, since it didn’t get one Dem vote in either the House or Senate.  Bob probably thinks it doesn’t tax & spend enough, so he’d be against it before he’d vote for it.   At least the “Ryan plan” made an attempt at addressing the fiscal problems facing the country.  Not nearly enough IMHO but a start.  The President’s proposed budget just ignored all the fiscal issues period.   Cosmic Bob has already defined his position on fiscal matters…”if you aren’t for raising taxes, you’re part of the problem” sums it all up.  That’s probably the most honest thing he’s ever said while campaigning.  
Source: newnebraska.net

Ryan Takes to Pennsylvania to Push Medicare Message

Posted by:  :  Category: Medicare

1stMC Vauxhall Astra RRV Kit by EssexTechMr. Ryan was extrapolating from a 2010 report from Medicare’s Office of the Actuary. It analyzed the potential impact of lower premium supports paid to private companies that issue Medicare Advantage plans, popular alternatives to traditional Medicare with extra benefits such as gym memberships. To slow the growth of Medicare spending, the Affordable Care Act reduces support for the private plans, which Democrats consider inefficient. Beneficiaries would still be covered under traditional Medicare.
Source: nytimes.com

Video: State Takeover of Harrisburg, Medicare/Medicaid Funding [Pennsylvania Newsmakers]

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

Health plan summaries, Benefit Renewal mailing , Medicare RX

Here are the Health Plan Summaries and other benefit information that I want to get out fast.  I will be getting the information in some sort of organization as to who will need what, but for the time being these are summaries of some of the changes.  Please follow the story as we organize these in list for specific members, ie..active, retiree, retiree with medicare.  We will also be placing these on the site in permanent areas so as they will always be available.
Source: ibew827.com

Medicare Open Enrollment Information Session

Independence Blue Cross is hosting a community meeting for residents 65 years or older to discuss Medicare’s Annual Open Enrollment period. From October 15 through December 7, residents with Medicare can make changes to their plan and adjust coverage to ensure they are receiving the benefits they need at the cost they can afford from the doctors and hospitals of their choice. This information session will review Medicare options for Delaware County residents, including IBC’s new $0 premium Keystone 65 Select Medicare Advantage HMO plan. The meeting is free but registration is required because space is limited.
Source: patch.com

Getting From Here to “Medicare For All”

You may be wondering why our leaders in Washington don’t fix these abuses and put “people first” in designing our health care system. Why do they tinker around the edges of the system and call it reform without ever dealing with the real problems. The answer is apparent for everyone to see. We are currently watching a presidential election that has set obscene records for spending. Each candidate has raised over a billion dollars. That’s billion—not million. Much of this money comes from corporations who don’t want our health care system fixed. It’s very profitable just the way it is for them. They’re not giving this money because they like President Obama’s smile or Mitt Romney’s haircut. This money comes with strings attached. Some call it campaign contributions. I call it legalized bribery.
Source: healthcare4allpa.org

Ray, Bumgarner, Kingshill & Assoc., P.A.

Misty and David are married and have $200,000 of combined salary, $50,000 of interest and dividend income, and $100,000 of net rental income from an investment partnership. Their modified adjusted gross income is $350,000, less the $250,000 threshold for a married couple filing jointly, leaving $100,000 of income in excess of the threshold. The lower of net investment income and excess income is $100,000. Medicare investment tax of $3,800 is due.
Source: rbk-cpa.com

Keystone Progress: Senior Alert: Medicare Open Enrollment Starts Today

HARRISBURG, PA – Medicare open enrollment starts today, and AARP is urging Pennsylvania seniors and their families to carefully review their current plans to make sure they’re getting the most out of their coverage. AARP spokeswoman Cynthia Fagyas says the window of opportunity to make changes comes earlier this year. “October 15th is early for open enrollment, and it runs ’til just December 7th, so it’s an opportunity for seniors to review and make changes to their current coverage.” During open enrollment, Fagyas says, Medicare enrollees can switch plans, add a prescription drug plan or drop Medicare Advantage for a plan under original Medicare. But if you’re happy with your current plan, she says, you don’t have to do a thing. Fagyas says AARP has a website with information on Medicare open enrollment, here. She says there are four factors to consider when reviewing and comparing Medicare coverage. She calls them the four Cs. “And those four Cs are coverage, cost, convenience and customer satisfaction, when they’re thinking about making any changes to their Medicare coverage.” Fagyas cautions that there are some open enrollment options that are not reversible. “If you do make changes to your coverage, and you drop coverage, you want to do it carefully, because you may not be able to get that coverage back once you make the change.” AARP is also offering free webinars on Medicare open enrollment. Any changes made during open enrollment take effect January 1.
Source: keystoneprogress.org

Senior Care in Sharon, PA: Open Enrollment for Medicare –Now through Dec 7, 2012

Would a small increase in premiums result in a large reduction in health care costs you pay? Check, for example, what coverage is available for prescription drugs you take? Medicare representatives can create a report containing the costs and benefits of various insurance products if you supply them with a list of your drug prescriptions. Ask questions about participating doctors and clinics. Some Medicare Advantage plans limit which physicians a patient can visit.
Source: cgphomecarehermitage.com

Sentinel : Medicare Open Enrollment

At this time of year many insurance companies offer free information about Medicare options. By requesting the information you agree to allow their marketing/sales people to contact you about their particular company’s Medicare Plan options. Some companies even offer free lunch or dinner “seminars” on Medicare as part of their marketing strategy. While the information on Medicare may be accurate, the presenters are likely to be biased in favor of the Medigap or Medicare Advantage policies offered by the company which employs them. Fortunately, these “free” offers are not the only sources of accurate information on your options.  Medicare has an excellent website, which can help you 1) compare traditional vs. Medicare Advantage coverage 2) know what Medigap, Part D, and Medicare Advantage Policies are offered in the area in which you live and 3) compare the medications you take against the formulary of the Part D policies that are available to you. The term “formulary” refers to the approved list of medications for a particular company. Since some medical conditions have a number of different medications that can be used to treat them, each insurance company develops a list, or formulary, of preferred medications. You probably will incur higher costs when you use a medication that is not in your particular company’s formulary.
Source: keystoneelderlaw.com

Obamacare ‘Surprise’ Threatens Access to Medicare Advantage Coverage, AMAC Charges

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

Billing Medicare for PA surgery assist

Welcome to the Physician Assistant Forum. Established in 1998, the physician assistant forum has become the largest online social network of physician assistants, physician assistant students and those interested in becoming a physician assistant. Our forum has over 14 years of experience related information and physician assistant jobs or employment opportunities. We also have a large physician assistant school section with tons of helpful information for applying and interviews. Please go HERE to register.
Source: physicianassistantforum.com

Critz Hits Rothfus on Familiar Medicare Charge (Watch Video)

Critics of the Ryan plan say that changes made to the health care system by the Ryan plan would cause providers to shift prices and raise prices for current seniors, intentionally or not. Supporters of the plan, like Rothfus, note that Medicare will go bankrupt within a few years if serious reforms are not enacted, resulting in everyone’s benefits being cut.
Source: politicspa.com

Medicare, Health Law Part Of Obama, Romney Pitches For Votes

Posted by:  :  Category: Medicare

Gang of Six - Cartoon by DonkeyHoteyDetroit Free Press: As Election Draws Near, President Barack Obama Expands Lead In Michigan President Barack Obama heads into the final weekend of the campaign with a 6-percentage-point lead in Michigan over Republican rival Mitt Romney, a new Free Press/WXYZ-TV (Channel 7) poll shows. The survey suggests that the Democratic incumbent has regained some momentum heading into Tuesday’s election. Obama had 48% support to Romney’s 42%. Ten percent of likely voters were undecided or chose a third-party candidate. … Three-quarters of Romney’s supporters considered themselves enthusiastic — about the same as the number for Obama. Obama got higher marks in the poll on issues such as protecting Social Security and Medicare; making health care available to everyone, and handling the war in Afghanistan. Romney, who made a fortune in private equity and venture capital, slightly topped the president — 46%-44% — on handling the economy and creating jobs (Spangler, 11/1).
Source: kaiserhealthnews.org

Video: Vice President Joe Biden on Medicare – Blacksburg, VA

Gov. Kaine Talks Social Security, Medicare With Senior Residents

Kaine, a Democrat, told the audience at Birmingham Green, located just outside of Manassas Park, that he doesn’t support privatizing Social Security, which he says requires the working to set money aside in an account for themselves instead of using it to support older ones.
Source: patch.com

DECISION VIRGINIA: Ryan defends Medicare stance

Before Ryan became a vice-presidential candidate, he was a House budget architect and drew up a controversial budget that called for similar growth reductions to Medicare. A fact Democrats like Rep. Bobby Scott (R-Newport News) often point out.
Source: nbc12.com

Medicare Enrollment Starts Today

With Medicare open enrollment upon us, now is the time to reflect on how important Medicare is to our country–and to keeping seniors across Virginia and the nation healthy. Thanks to Medicare, seniors have access to life-saving healthcare without having to worry about excessive bills. The Affordable Care Act extends the life of Medicare by ending overpayments to private insurance companies and cracking down on waste, fraud, and abuse. Thanks to the healthcare law, seniors can breathe a bit easier knowing that Medicare–and senior care–isn’t going anywhere.
Source: progressva.org

LIVESTREAM: Community Forum on Social Security, Medicare and Medicaid With Tim Kaine and George Allen | MyFDL

Our Social Security, Medicare and Medicaid systems are vital to the economic security of Virginians. One in every six Virginians receives Social Security, one in seven receives Medicare benefits, and one in eight receives Medicaid benefits. That’s why Social Security Works is hosting a facilitated-discussion with Virginians and those who want to represent them about the future of these programs.
Source: firedoglake.com

Here’s the back story on why Humana lost a West Virginia health system

Witte provided a list of Medicare Advantage plans that will consider CAMC “in network.” They include: Aetna Medicare, Health Plan of the Upper Ohio Valley Medicare, HealthSpring Medicare, Highmark Blue Cross Blue Shield Medicare, and Humana PEIA Medicare Advantage. The hospital will be considered in network for the following commercial plans: 4MOST, Aetna, Carelink, CIGNA, Health Plan of the Upper Ohio Valley, HealthSmart, Highmark Blue Cross Blue Shield, PEIA, SelectNet, TriCare, UMWA Funds and United HealthCare.
Source: medcitynews.com

Comparing Medicare prescription drug plans

Posted by:  :  Category: Medicare

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

Video: Medicare Enrollment & Prescription Drug Plans.wmv

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

Daily Kos: Elderly will be hit hard by Romney’s Medicare, Medicaid plans

As it turns out, what we know for sure about Mitt Romney’s assault on senior citizens may pale compared to what we don’t. Romney, after all, has promised to magically offset $5 trillion in tax cuts and $2 trillion in new defense spending over the next decade by closing as yet unnamed tax credits, deductions and deductions. But among Uncle Sam’s $1.1 trillion in annual tax expenditures are a host of tax breaks for the elderly. That figure is forecast to hit almost $1.4 trillion by 2015. While the home mortgage and health expense deductions top that list, untaxed Social Security benefits will reach $44 billion annually in three years. And that’s just one example. Mitt Romney has called for raising the retirement age to 67 for those now 55 and under. (In his 2008 campaign, Romney supported President Bush’s proposal to privatize the retiree pension system.)
Source: dailykos.com

Candidates have starkly different visions for Medicare

In addition to the steep provider cuts already provided for in Obamacare, the Obama administration wants to impose price controls on the medicines that seniors need to manage and cure illnesses. The Medicare prescription drug program (known as “Medicare Part D” in Washington, D.C.) provides robust competition among drug companies in order to get the best deal possible for seniors. Unlike the rest of Medicare (where competition is nowhere to be found), Part D is coming in under cost for taxpayers. Since the program started nearly a decade ago, costs have been 40 percent lower than initially anticipated. Satisfaction rates for seniors are around 90 percent. The rest of the Medicare program is headed toward bankruptcy, with Part D the only model of success to point to.
Source: dailycaller.com

2013 Medicare Annual Enrollment Period: eHealth Identifies 8 Costly Mistakes for Medicare Supplement Insurance Customers / eHealth

eHealth, Inc. (NASDAQ: EHTH) is the parent company of eHealthInsurance, the nation’s leading online source of health insurance for individuals, families and small businesses. Through the company’s website, www.eHealthInsurance.com, consumers can get quotes from leading health insurance carriers, compare plans side by side, and apply for and purchase health insurance. eHealthInsurance offers thousands of individual, family and small business health plans underwritten by more than 180 of the nation’s leading health insurance companies. eHealthInsurance is licensed to sell health insurance in all 50 states and the District of Columbia, making it the ideal model of a successful, high-functioning health insurance exchange. Through 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

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

No Medicare Drug Plan Cost Increases For Seniors In 2013

The Associated Press: Gov’t: Medicare Drug Plan Premiums Stable For 2013 It’s an economic indicator of sorts for seniors: The Obama administration says the average premium for basic Medicare drug coverage will stay the same next year, $30 a month. That’s the third year in a row of little or no change. In addition, Medicare recipients with high prescription costs are saving an average of $629 apiece thanks to a provision of the new health care law that gradually eliminates a coverage gap called the “doughnut hole.” There is a caveat on premiums. Because the number is an average, some beneficiaries may see their monthly cost go up, while others get a decrease (8/6).
Source: kaiserhealthnews.org

Report: Premium hikes for top Medicare drug plans

The seven plans with double-digit premium increases were: the Humana Walmart-Preferred Rx Plan (23 percent); First Health Part D Premier (18 percent); First Health Part D Value Plus (17 percent); Cigna Medicare Rx Plan One (15 percent); Express Scripts Medicare-Value (13 percent); the HealthSpring Prescription Drug Plan (12 percent); and Humana Enhanced (11 percent).
Source: seattletimes.com

Hopedale Medical Complex Offers Medicare Advantage Educational Seminars

Some options for changing your coverage include: – Change back to the Original Medicare from a Medicare plan. – Change from Original Medicare to a Medicare Advantage Plan. – Change from a Medicare Advantage Plan back to Original Medicare. – Switch from one Medicare Advantage Plan to another Medicare Advantage Plan. – Switch from a Medicare Advantage Plan that doesn’t offer drug coverage to a Medicare Advantage Plan that offers drug coverage. (Part D) – Select the right supplement insurance to help pay some of your health care costs not covered by Medicare. – Join a Medicare Prescription Drug Plan. (Part D) – Switch from one Medicare Prescription Drug Plan to another Medicare Prescription Drug Plan. – Drop your Medicare prescription drug coverage completely.
Source: hopedalemc.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

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

13 Recent Medicare, Medicaid Issues

Posted by:  :  Category: Medicare

Budget vs Budget by boris.rasin1. Hospital outpatient departments will receive Medicare payment rate increases of 1.8 percent, while ambulatory surgery center Medicare rates will increase by 0.6 percent, according to CMS’ final rule on outpatient policy and payments. 2. CMS issued its final rule on the Medicare physician fee schedule for 2013, saying Medicare reimbursement rates for physicians will be slashed by 26.5 percent on Jan. 1, 2013, unless Congress bypasses the sustainable growth rate. 3. Starting Jan. 1, 2013, through the end of 2014, certain primary care physicians will see their Medicaid payments increase to Medicare rates. 4. The American Hospital Association and four hospitals sued HHS over denied Medicare payments resulting from RAC audits. 5. The American Hospital Association and the Association of American Medical Colleges commissioned Dobson DaVanzo & Associates to look at bundled payments and provide analysis on different episode-based payment bundles that providers could expect. The study looked at 16 MS-DRG families that represent a significant portion of Medicare’s fee-for-service payments. 6. Additional imaging service referrals by providers who self-referred cost Medicare approximately $109 million from 2004 through 2010, according to a U.S. Government Accountability Office report. 7. A new study in the Archives of Internal Medicine revealed that per capita Medicare spending is growing three times faster for seniors in the United States compared with seniors in Canada. 8. CMS approved Washington’s HealthPathWashington initiative — a project that aims to improve the care of state residents enrolled in both Medicare and Medicaid. 9. Here is a list of total Medicare beneficiaries by state in 2012. 10. As federal and state agencies attempt to reduce the growth of spending for people eligible for both Medicare and Medicaid, new research showed it may be hard to find large savings in new demonstration programs. 11. The Medicaid expansion provision of the Patient Protection and Affordable Care Act will start in 2014, adding millions of people to Medicaid rolls, but hospitals and other providers may not understand how to best tailor their medical and business practices to take advantage of the provision. 12. Here is a table of Medicaid cost-containment actions 50 states and Washington, D.C., have taken in 2012. 13. In a recent webinar, Ken Perez, senior vice president of marketing and director of healthcare policy for MedeAnalytics, broke down the current state of Medicare, discussing everything from the politicization of Medicare to detailed breakdowns of presidential Medicare plans.
Source: beckershospitalreview.com

Video: Medicare vs Medicaid

CMS Issues Final Rules on Medicaid, Medicare Provider Payment Rates

The payment increase applies to physicians practicing in family medicine, general internal medicine, pediatric medicine and related subspecialties, such as board certified pediatric cardiologists. The rule clarifies that primary care services delivered by medical professionals working under the personal supervision of a qualifying physician, such as nurse practitioners, also are eligible for the higher payment rate (Reichard,
Source: californiahealthline.org

CMS Raises Medicaid Rates For Some Doctors

Modern Healthcare: CMS Details Medicaid Primary-Care Payments Boost The CMS issued a final rule late Thursday temporarily increasing primary-care physician payments from Medicaid. The rule (PDF), which implements a provision of the Patient Protection and Affordable Care Act, details the extent and target of the increase, which takes effect in January and lasts through 2014. The provision is designed to match Medicare rates, but the rule specifically covers only the difference between the Medicare rate and states’ Medicaid rates as of July 1, 2009. The additional federal funding may not be enough to increase the rate to Medicare levels because some states have enacted Medicare provider rate cuts since mid-2009 (Daly, 11/1).
Source: kaiserhealthnews.org

OB/GYNs And ER Docs Excluded From Health Law’s Medicaid Pay Hike

Instead, the higher Medicaid rates, which will be in effect for two years, are reserved for family doctors, internists and pediatricians, because those specialties are specifically listed in the 2010 law, the Centers for Medicare and Medicaid Services said. The OB/GYNs and ER doctors sought to be included after regulators released preliminary rules in May saying that internal medicine and pediatric sub-specialists, such as pediatric cardiologists, would be eligible for the higher pay when providing primary care.
Source: kaiserhealthnews.org

Daily Kos: Elderly will be hit hard by Romney’s Medicare, Medicaid plans

As it turns out, what we know for sure about Mitt Romney’s assault on senior citizens may pale compared to what we don’t. Romney, after all, has promised to magically offset $5 trillion in tax cuts and $2 trillion in new defense spending over the next decade by closing as yet unnamed tax credits, deductions and deductions. But among Uncle Sam’s $1.1 trillion in annual tax expenditures are a host of tax breaks for the elderly. That figure is forecast to hit almost $1.4 trillion by 2015. While the home mortgage and health expense deductions top that list, untaxed Social Security benefits will reach $44 billion annually in three years. And that’s just one example. Mitt Romney has called for raising the retirement age to 67 for those now 55 and under. (In his 2008 campaign, Romney supported President Bush’s proposal to privatize the retiree pension system.)
Source: dailykos.com

Strengthening CMS Demos for Persons Dually Eligible for Medicare and Medicaid

Accessibility Adolescents Adults Aging Assistive Technology Bladder Dysfunction Bowel Dysfunction CDC Cerebral Palsy Children Communication Community Community Integration Depression Developmental Disabilities Diabetes Education Elderly Emergency Preparedness Environmental Toxins Exercise Health Care Health Care Professionals Health Disparities Health Promotion Hearing Impairments Intellectual Disabilities Learning Disabilities Mental Health Mental Illness Mentoring Minority Mobility Multiple Sclerosis Native Americans Nutrition Obesity Paralysis Parents and Caregivers Physical Activity Physical Disabilities Post-Traumatic Stress Disorder Program Evaluation Psychiatric Disabilities Public Policy Sexuality Smoking Cessation Social Determinants of Health Social Participation Spina Bifida Spinal Cord Injuries Substance Abuse Training Traumatic Brain Injuries Veterans Violence Visual Disabilities Women Young Adults Youth
Source: aahd.us

Manhattan Moment: Obama and Biden will turn Medicare into Medicaid

In his debate with Paul Ryan last Thursday, Vice President Biden basically proposed demolishing Medicare Part D, the enormously successful — and bipartisan — program for covering prescription drugs for seniors. Today, Medicare Part D strikes a careful balance between protecting seniors from high drug costs, while encouraging pharmaceutical companies to invest in the next generation of treatments for serious diseases like Parkinson’s, depression, Alzheimer’s and cancer. Biden’s plan would destroy that balance, imperiling innovation, killing jobs and threatening seniors’ access to innovative medicines.
Source: washingtonexaminer.com

Integrating Medicare and Medicaid

Twenty-six states have applied to the federal government to combine Medicaid and Medicare.  Under these applications, up to two million dual-eligibles (persons eligible for both Medicaid and Medicare) would be transferred into an integrated Medicaid/ Medicare health care system.  In most cases, they would receive care through a managed care organization.
Source: bettzedek.org

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: nhpr.org

HHS inspector general to focus on Medicare, Medicaid fraud in 2013

 WASHINGTON – Estimating waste, fraud and abuse in federal health and human services programs at approximately $65 billion during the 2011 fiscal year, Department of Health and Human Services Inspector General Dan Levinson said Wednesday that his office’s top priority in the coming year is to prevent fraud in Medicare and Medicaid programs through the use of new technology.
Source: buwashingtonnews.com

EssayLeaks: Essay on Medicare and Medicaid

Apart from all the services mentioned, states may also provide additional health and medical benefits if consistent funding from the federal government is received. These services encompass diagnostic and clinical oriented services, transport services in cases of emergency, home and community based care to people with unremitting impairments along with the application of physical therapeutic services and facilities. Another important area that needs to be highlighted here is the eligibility criteria according to which these services are provided to patients. The criteria designed needs to fulfill the requirements such as age, pregnancy status, citizenship and financial capacity. The state needs to inform the federal government about all these conditions for the acquisition of required funding amount for proper medical and health sustenance of deserving people. (Peltz, 2007)
Source: essayleaks.com

Research Roundup: Lowering Health Costs Of The Poorest Sick; Local Variations In Health Spending

Posted by:  :  Category: Medicare

"Citizenship is a tough occupation which obliges the citizen to make his own informed opinion and stand by it." ~ Martha Gellhorn  by eyewashdesign: A. GoldenMathematica and The Kaiser Family Foundation: Best Bets For Reducing Medicare Costs For Dual Eligible Beneficiaries: Assessing The Evidence – Nine million Medicare beneficiaries also receive Medicaid. This group, known as dual eligible beneficiaries, is “on average is sicker and frailer than other Medicare beneficiaries, and therefore receive significantly more care at greater cost.” Federal and state officials are seeking ways to coordinate care, “with some estimates projecting hundreds of billions of dollars in savings over the next decade.” This study looks at some of the pilot projects and demonstrations “and finds support for modest Medicare savings through well-targeted interventions, including “a small number of fully integrated, capitated managed care programs and fee-for-service based interventions for dual eligible beneficiaries that succeeded in reducing hospitalizations, although few of these programs were able to demonstrate net savings for Medicare” (Brown and Mann, 10/30).
Source: kaiserhealthnews.org

Video: Health Net Medicare Supplement – Compare to 180+ Companies

Best Bets for Reducing Medicare Costs for Dual Eligible Beneficiaries: Assessing the Evidence

With pressure mounting to slow the growth in federal health care spending, policymakers are exploring ways to reform the way care is delivered to the 9 million low-income Medicare beneficiaries who also receive Medicaid – a group that on average is sicker and frailer than other Medicare beneficiaries, and therefore receive significantly more care at greater cost. Major efforts are underway at the federal and state level to better coordinate care for this population and lower health care costs – with some estimates projecting hundreds of billions of dollars in savings over the next decade.
Source: kff.org

Decrease Increasing Medicare Costs with Healthnet Medicare Arizona

Healthnet medicare arizona also helps you cover your medications. The more medication that you are on, the more money you will need to pay for these medications. The cost of medications keeps increasing, and since you need them, each month you will have a fixed cost for your medications. The only way to change a fixed cost is to change find a new provider for the medications or by enrolling into a new health plan that will help you reduce your monthly payments. By enrolling in healthnet medicare Arizona, you can save money on these medications and thus increase your discretionary income for each month. For example, if you make $3,000 a month and $400 of it goes to medications, then you enroll in healthnet medicare arizona, and your medication cost is decreased to $20 a month, you would increase your monthly discretionary income by $380. So, that is $380 that you can use on anything else you want instead of the medications that you need to live a healthy life.
Source: millionboatfloat.org

Healthnet Medicare in Arizona

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

Arizona Attorney General, Tom Horne

PHOENIX (Monday, July 30, 2012) — Attorney General Tom Horne today announced that 30-year old Tucson resident Megan Monroe Racz has been indicted by the State Grand Jury on charges related to insurance fraud involving senior citizens. All 37 of Racz’s alleged victims are aged 65 or older. “Insurance fraud, especially when it involves the most vulnerable in society is a terrible crime,” Horne said. “The state Department of Insurance is to be commended for its investigation of these alleged offenses, and my office will work very hard to vigorously prosecute this case.” The State alleges that Racz, acting in her capacity as an insurance agent, during the Medicare open enrollment period from November 2011 through December 2011 transferred the Health Net Medicare supplemental policies of 37 people, four who were deceased at the time, to United Health Care supplemental polices without the consent of the policyholders. These unauthorized transfers were brought to the attention of the Arizona Department of Insurance by United Health Care, Health Net, and policyholders, who were notified their Health Net Medicare supplemental policies were being cancelled or who received information about new United Health Care policies that they never requested. United Health Care and Health Net worked together to see that none of the policyholders’ Medicare coverage lapsed. The State alleges Racz received over $25,000.00 in commissions for transferring the Medicare supplemental policies. Racz was formally indicted on one count of Fraudulent Schemes and Artifices, a class 2 felony; one count of Theft, a class 2 felony; six counts of Aggravated Identity Theft, class 3 felonies; two counts of Identity Theft, class 4 felonies; and four counts of Forgery, class 4 felonies. These charges are merely allegations, and the defendant is presumed innocent until and unless proven guilty. This matter was handled by Assistant Attorney General Beverly Rudnick. The case was investigated by the Arizona Department of Insurance Fraud Unit.
Source: azag.gov

2013 Medicare Annual Enrollment Period: eHealth Identifies 8 Costly Mistakes for Medicare Supplement Insurance Customers / eHealth

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSeHealth, Inc. (NASDAQ: EHTH) is the parent company of eHealthInsurance, 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

Video: Medicare Supplement Insurance Plans – Where Do I Start?

How To Know If You Need Medicare Supplemental Insurance

If you require a lot of medical attention, getting the most coverage you can afford makes sense. Whether you have cancer, chronic illnesses, a major health condition, or regular visits to hospitals and specialists, supplemental insurance will help ensure that everything you need is covered and affordable. Getting Medicare supplemental insurance is also a good idea if your regular Medicare policy does not cover something specific that you need, such as a prescription medication, a certain type of service, or additional medical care that you need. Talk to your doctors and healthcare providers about your current health and the steps you will need to take in order to stay healthy. This will give you a good idea of what you need, and whether Medicare will cover it. If not, seek out a supplemental insurance plan.
Source: dzida.org

Get Your Medicare Supplement Quote Now

Medicare supplements do not have to be confusing. Years ago, Medicare supplements were very confusing. However, the federal government passed the standardization act in 1992. The new law said that all Medicare supplement companies must offer the same basic plans.
Source: gkpeventsonthefuture.org

End Stage Renal Disease (ESRD) and Medicare Supplements

If you’re already diagnosed with End Stage Renal Disease (ESRD) and want to sign up for a Medicare Supplement Plan, you usually cannot sign up for a Medicare Advantage Plan. However, your Medicare Part A (hospital coverage), Medicare Part B (insurance coverage), and Medicare Part D (prescription drug coverage) are effective for paying for your ESRD related treatments. Some people with ESRD may qualify for a type of Medicare Supplemental Plan that provides extra coverage for those with chronic conditions, like ESRD. This type of plan is called a Medicare Special Needs Plan.
Source: medicaresupplementnow.com

Medicare Home Health: Easily Navigate Medicare Supplemental Plans Online

It is evident that extra coverage is needed to fill in the gaps left by the standard Medicare Part A and B. This is where the different Medicare Supplement Insurance plans come into play. It is important when looking into each plan that you are able to compare Medicare Supplemental Insurance plans and compare rates. Medigap, as it is commonly known, is offered for purchase through many different private insurance organizations. One thing you must remember is the coverage is equivalent no matter where it is purchased. If you are comparing rates and plans and choose Medicare Supplemental Insurance Plan f from BC/BS it is the same coverage as you will get with Bankers Fidelity. The difference lies within the rate charged for their services. You will need to determine if you are willing to pay extra for the same coverage in order to have a certain insurance provider.
Source: blogspot.com

Medicare Supplement and Medicare Advantage

As the annual enrollment period has begun, it is a good time to review the differences between Original Medicare, Medicare Supplements and Medicare Advantage.  Let’s start with Original Medicare.  This is a plan by the Federal Government for people 65 and older (there are also some ways to qualify if you are disabled in which you would qualify under age 65).  You have been paying for Medicare Part A (hospitalization) all of your life through a payroll deduction.  You will pay a Part B premium. It covers a lot of your health care, but NOT ALL of your health care.  There are a lot of “gaps”.  That is why Medicare Supplements are often times referred to as “Medigap” policies.  They are designed to fill the “gaps” in Medicare.  Medicare Supplements are offered by private insurance companies, but unlike the under 65 market, all Medicare Supplement plans are the same.  In other words, Plan F, is Plan F regardless if it is with United Health Care, or Blue Cross, or Aetna, or Mutual of Omaha.  So you do not have to wonder if Blue Cross is better coverage, or Aetna is better coverage, they are the same.  Now there are different supplement plans such as Plan N or Plan G, but again they are the same.
Source: isellhealth.com

Senior Benefit Services, Inc.

Effective November 10, 2012 on new business & January 1, 2013 in force business for Gerber 2010 Modernized Medicare Supplement plans in Idaho and Medicare Supplements and SELECT plans in Utah. The Rate Adjustments will affect plans  A, B, and C.
Source: srbenefit.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

Find Medicare Supplemental Insurance in Your Area With the Senior Advisor Group

The Senior Advisor Group is an independent insurance advisory group specializing in Medicare insurance and other insurance options for those on Medicare. Their role is to assists seniors in finding with the best Medicare Supplemental Insurance, including advice on Supplemental Plans, Advantage Plans, Medicare Part D insurance and other related supplemental insurance. By partnering with over 40 different insurance companies, the Senior Advisor Group works on the side of the client’s with no obligation to any one insurance company. For the individual client they will search from all of the top insurers to find the best products at the best price – as well as provide ongoing professional, personalized service to each Medicare beneficiary year after year. The Senior Advisors also provides clients on Medicare with dental, hearing, and vision coverage, as well as Rx discount cards at no cost to customers. As a national advisory group, Senior Advisor Group represents all of the top rated and the largest Medicare supplemental insurance providers available. Their objective is to provide unbiased advice on Medicare Supplemental Insurance from highly trained, Medicare insurance specialists. Each specialist is trained on the various Medicare Insurance options, and will assist each individual with a plan selection, and provide continual advice year after year on Medicare supplement plans and Medicare Part D coverage. As Medicare insurance specialist, Medicare Insurance is not just a part of their business it is their business. The Senior Advisor Group was established to deliver what insurance companies can’t – unbiased and objective advice. They will assist and complete enrollment in the best available plan for the client, not the best available plan for the provider. For those new to Medicare or just looking to compare coverage options simply submit a request and one of their specialist will call within 24 hours.
Source: sbwire.com

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 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

Low cognitive ability impairs enrollment in Medicare supplemental plans

Because traditional Medicare leaves substantial gaps in coverage, many people obtain supplemental coverage to limit their exposure to out-of-pocket costs. However, some Medicare beneficiaries may not be well equipped to navigate the complex supplemental coverage landscape successfully because of their lower cognitive ability or numeracy—that is, the ability to work with numbers. We found that people in the lower third of the cognitive ability and numeracy distributions were at least eleven percentage points less likely than those in the upper third to enroll in a supplemental Medicare insurance plan. This result means that many Medicare beneficiaries do not have the financial protections and other benefits that would be available to them if they were enrolled in a supplemental insurance plan. Our findings suggest that policy makers may want to consider alternatives tailored to these high-need groups, such as enhanced education and enrollment programs, simpler sets of plan choices, or even some type of automatic enrollment with an option to decline coverage.
Source: pnhp.org

The K Medicare Supplement Plan

Medicare supplements have gone through quite a few changes as of late and we have some entirely new plans added to the Medigap market which has remained largely the same for decades. Most of these plans were designed to offer more affordable options by cost sharing some of the health care costs but a lower premium to the consumer. Part of this lower priced roll-out is the K Medicare supplement plan. Let’s take a look to see how it works. First of all, the K plan covers the biggest gap in traditional Medicare at 100% just like all the other Medicare supplements. This is the Part A co-insurance which is the 20% of hospital related charges that the subscriber must pay after the Part A deductible is met. Hospital and related facility-based care is really where the big costs are these days so having this covered at 100% with the K plan is a great start. Preventative is also covered similarly to the other Medicare plans which is also important although less actual exposure but more likelihood of actually using the benefit on an annual basis. That’s where the plans are the same. Let’s look at how they’re different. The other categories of gaps in traditional Medicare are where you see the means by which the K Medigap plan can reduce premiums by means of cost sharing. Let’s go category by category and then we’ll touch base on the bigger picture of how view whether the trade-off works in your favor. The key number to remember with the K plan is 50%. For the Part A deductible (hospital costs), Part B co-insurance (physician charges, Nursing facility, Home Care, and for first 3 pints of blood, you will play 50% of the charges until you meet a total of $4620 (check annual cap as it may change). This means that you will pay 50% of the charges for these services until your total out of pocket (not total medical expense) hits the $4620. The Part B Deductible, Part B Excess, and Emergency Travel are not covered by the K plan. You will have to pay for all of this. Let’s take an example. Let’s say we have a $3000 hospital charge (maybe an ER visit, MRI, labs, etc). How will that charge play out with the K Medicare supplement plan. We’ll base our numbers on 2012 deductibles, etc. The Part A deductible for 2012 would be $1156. You would pay 50% of this deductible amount up front. After the $1156 deductible is met (for which you paid half), you then go into co-insurance. The K plan will then pay 100% of the 20% co-insurance that traditional Medicare doesn’t pick up. Let’s walk through that. After the deductible, we have $1844 left to pay. Traditional Medicare will pick up 80% of this remaining $1844 which leaves 20% or $369 you would pay if you didn’t have a Medicare plan. The K plan will pick up all of this $369 since Part A co-insurance is covered at 100% with the K Medigap plan. Essentially, for the $3000 charge, you would pay $578. That’s not bad. Keep in mind, you would be on the hook for more of charges related to physician costs since the Part B co-insurance would be covered at 50%. Let’s look at that. Let’s say you have a $500 physician charge including labs. The 2012 deductible for Part B or physician expenses would be $140. You would pay this full deductible amount with the K plan. That leaves $360 to go. Traditional Medicare then pays 80% (or $288) of the remaining $360. This leaves $72. With the K plan, you would pay 50% of the remaining charge for a total of $36 out of your pocket. For this $500 charge, you’re looking at $176 out of your pocket on the Medicare supplement K plan. So how do we evaluate this option against others like the F Medicare supplement plan? Let’s look at the worst case issue of very large medical expenses. You would pay these assorted co-insurances till you meet $4620. Compare that against the annual premium difference between the K Medigap and F Medigap plan. Granted, it’s actually pretty tough to get to the full $4620 amount picking up half of the 20% co-insurance that Medicare doesn’t get so this is our consideration. Let’s say the difference for a 65 year old is $70/monthly or roughly $800 annually. You obviously wouldn’t go that way if you have serious health issues at the time of enrollment. We would hope for more savings than that to take on the risk associated. Dennis Jarvis is a licensed insurance agent concentrating on medicare supplement insurance.

What Is Medicare Gap Insurance?

Posted by:  :  Category: Medicare

SCOTUS Obamacare Decision Makes Individual Mandate A Fact & Universal Healthcare Coverage A Fiction by watchingfrogsboilA lot of senior citizens do not realize that not all states carry Medicare gap insurance. You can consult an expert on the subject to know if you are eligible for such insurance, and if the state you are in is also carrying such insurance. Different states have different laws when it comes to Medicare supplemental insurance, an example is that some states allow you to apply for gap insurance on a limited window, and if you have already a Medicare part B. Again, it is best to consult with a professional to avoid confusion and headaches, and also speed up the whole process.
Source: seniorcorps.org

Video: Medigap Insurance

Medicare changes: What you need to know this year

How YOU CAN save money To help you navigate the Medicare maze, here are some tips from Gail Jensen, an economics professor at Wayne State University and a researcher at its Institute of Gerontology: – Shop around, even if you’re happy with your current plan. You might be able to save money out-of-pocket while preserving your benefits. – Remember that with Medicare Advantage, there is no need to buy Medigap insurance. Your medications are most likely covered, too — though not always — so there may be no reason to pay for a Medicare Part D drug plan, either. – If you like your current doctor, make a call to the office to make sure he or she still accepts your plan after the new year. Or, if you’re leaving an employer-sponsored plan and want to remain with that doctor, find out what Medicare plans he or she accepts. – Likewise, if you’re new to Medicare but like your current insurance, call your insurer. It might have a Medicare version of your current coverage. That can keep you from switching doctors, changing drug coverage or even switching your pharmacy. – If you’re looking for Part D coverage, focus on the medications that you know you need rather than stressing about medications you might never need. Remember that health care reform is forcing discounts on drugs that fall into the previous coverage gap known as the doughnut hole. – Remember that the drug plan that is best for you may not be the best plan for your spouse. Most likely, medication and health needs are different, and your most affordable options will differ. – When you’re ready to dive in and compare policies, have a list of medications ready. You’ll need them to compare your options. – Don’t be afraid to enlist the help of your grown children, a trusted friend or trained counselors.
Source: goerie.com

Essential Medicare Supplement Coverage

Having high-quality health care insurance is an absolute must in the world we live in these days. The price of health care keeps increasing and the protection made available down. The end result, a lot of people decide that insurance policies are an added benefit that they’ll do without. The result of this becomes families and senior citizens left not insured leave financial futures in disrepair. It is crucial that you take control and manage your health insurance, including seniors and Medicare. Many retirees believe that they shall be denied healthcare coverage because of health conditions that are pre-existing conditions. That is a myth. Medicare coverage is guaranteed coverage in spite of your current health condition. It is also important to remember that Medicare does not charge extra higher rates either even if you come in the worst health imaginable you will get Medicare insurance coverage if you are sixty-five or older and qualify set forth. One thing to bear in mind with that all being stated is the fact that Medicare insurance does not cover everything you will be needing in regards to healthcare insurance coverage. Medicare insurance Part A and B insure the basics, hospital and physicians coverage. Medicare supplemental insurance is provided available for sale to protect the extras. Of course, supplemental insurance policies does have a regular monthly premium required but don’t forget this cost of insurance is much less that it’s going to cost you in the case when some thing arises and you are uninsured. Should you sign up while in the first six months after you enroll in Medicare part B, insurance providers can’t raise your rate or refuse coverage based on your health. After that open-enrollment period, you’ll need to be in good health to change plans with 2 exceptions. At this time there are several guaranteed-issue plans available regardless of health problems, such as AARP policies which are not offered through agents. Otherwise, if you are in New York, all the plans are guaranteed-issue therefore it is much easier to change plans. In that case, check out available plans annually to keep the best insurance policy coverage with the best price. Remember that a few companies still require you to submit paperwork your self. Most companies handle that electronically in order to save you the difficulties, which can be troublesome if you’re in poor health. While the insurance coverage is identical, company standards do differ. Despite the fact that one company might not sell you a plan, yet another one may offer you a good rate. Independent brokers can generally direct you to insurance companies more prone to accept particular health issues. Be sure you never get rid of your existing insurance plan before the new insurance policy is in effect. Web based Medicare Supplement Insurance help is never farther than a click or call away. Fortunately it is easier than ever to maneuver through the maze of Medicare Part A and Part B in addition to the numerous Medigap plans used to fill in the gaps. The 1st step when taking the leap into the world of Medicare is to find out as much as it is possible to about what is included and what is not by Medicare Part A and Part B. When it comes to taking the jump into gap insurance coverage on-line advisors will guide you through what is offered and help shop the Medigap market to get the best premiums that you qualify for. As premiums change each year you’ll want to contact your on-line Medicare Supplement Insurance company to get updates on lower rates from other Medigap Insurance providers. A web based advisor is helpful in helping determine exactly what gap insurance program you ought to enroll in according to prior history and present lifestyle. An over view to Medigap Insurance plans will give consumers the most basic look into the different plans available. A sample of the Supplement Insurance Plans Medicare has to offer is listed below. A person can see simply from glancing below just how vary different the protection is and why it is very important determine which plan is best on an individual basis. Medicare insurance policies is vital to those that happen to be depending on it. Seniors, most particularly, should be assured of having a completely functional plan that would protect them from the uncomfortable health possibilities. But, because it is well known that Medicare does not offer a completely comprehensive coverage, these people turn their attention to obtaining supplement insurance coverage that will complete the gaps in the protection. Senior citizens are especially interested in Medigap plans and Medicare Advantage.
Source: articlesnatch.com

Medicare Open Enrollment: Be a smart shopper

The good news is the health care law has gone a long way toward lowering overall costs in the Medicare program. Average premiums for prescription drug coverage and Medicare health plans will stay around the same in 2013. People who are in Medicare’s prescription drug coverage gap (“donut hole”) will continue to save money in 2013 with big discounts on brand-name prescription drugs. Since the health care law was enacted in 2010, more than 5.5 million people with Medicare have saved nearly $4.5 billion on prescription drugs in the donut hole.
Source: nhcoa.org

In Swing States, Obama Leads on Handling of Medicare

Mr. Romney and Mr. Ryan have called for curbing the growing costs of Medicare by making major changes to the program. Their plan would change Medicare for people who are now under 55 so that when they are eligible for coverage they would no longer receive a government-guaranteed, fee-for-service health plan but rather a fixed amount of money each year that they would use to purchase private health insurance or buy into a version of the existing Medicare program. But they have not provided enough details of their plan to assess how much it might increase out-of-pocket costs for future beneficiaries. Mr. Obama has pledged to preserve Medicare in its current form, but has spoken less about its rising costs.
Source: nytimes.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

Basics You Should Know About Medicare Health Insurance

Health insurance is a maze. It is often hard to maneuver and completely understand the ins and outs. With Medicare and available supplemental plans there are many online comparisons available to help individuals select a plan that will work with their situation. Many times people want information on paper and then seek out assistance from an advisor who is able to help them compare the plans and rates with real life examples and situations. These advisors have one sole purpose and that is to match the right Medicare supplement policy at the right price with Medicare eligible participants. To them the company that the individual purchase the policy from is not as big of an issue and they can help you see through the glitz of private insurance companies and keep the focus on coverage and rates.
Source: cgpolcan.info

Medicare Part D Coverage Gap

Gary Phillips is a licensed insurance agent based in western North Carolina. He specializes in the senior market and is knowledgeable in multiple insurance lines including Medicare, Medigap, Long-Term Care, Part D Prescription Drugs, Part C Medicare Advantage, Health, Life and Final Expense insurance. He also enjoys writing and helping others. www.bizpartner.homestead.com
Source: seniorliving.net

Filling The Voids Left With Medicare Part A and B With Medigap Insurance

Another thing people are often concerned with is the cost of Medicare Supplemental Plans.  Many factors play into the rate you will pay for the premium you choose. Of course the more coverage that comes with the plan the more you will spend on the plan however that is not all that goes into the fees associated with coverage.  Factors such as; the plan chosen, age, gender and where you live play a role in setting the premium.  Also different insurance companies have different cost associated with their plans so even though the insurance is guaranteed to be the same no matter where you purchase it, the price is not.
Source: seniorhealthdirect.com

Effective Weight Loss Strategies: Choosing The Most Effective Medicare Supplement Insurance Texas

Posted by:  :  Category: Medicare

The older people become, the more medical attention they need to stay in good condition health wise, which pushes up what they spend in medical health and eats into the retirement savings. To avert a situation where a big chunk of retirement savings is used for Medicare, one should consider turning to insurance companies. For those who need medical covers, there are plenty of supplemental programs in the market. This comes with a fresh challenge of determining just which one is the best. Before deciding on the medicare supplement insurance Texas people are required to first know the various policies that exist.
Source: blogspot.com

Video: Texas Medicare Supplements 2010: How to Choose a Plan.wmv

What Are My Options For a Texas Medicare Supplement?

Residents of Texas that choose Plan F or Plan G will have their deductible for Medicare Part A paid for hospital stays and coinsurance. Skilled nursing facility coinsurance and travel care for foreign trips is also covered. The selection of Plan K and Plan L will offer a low-cost option to residents that are cost-sharing plans. These plans require paying more for covered costs with premiums that are lower. You may have different plan options from another insurance company.
Source: seniorcorps.org

On The Internet Community Of Medicare Supplement Plans Texas For Learn About Positive Aspects Of Well Being Coverage Along Safety Options

Insurance schemes and extra advantages of schemes are topic to transform based upon the nation and firm. It absolutely was essential to compare every single and each scheme just before getting any kind of insurance coverage plan like health, car, dwelling and life. Methods to decide very best scheme was briefed in online internet site with illustrations and on the internet videos. Well being issues, accidents, disasters may perhaps arise with no any indications to monitor the life with financial support, insurance policy was helpful. Based on desire of men and women, Texas Medigap plans builders give support and sufficient info of unique coverage. Following certain age absolutely everyone suffers great deal of troubles due to anxiety, perform stress and residing atmosphere. In order to overcome difficulties brought on by over aspects folks need to pay particular medical quantity but if they take proper insurance plan it helps to stay free of charge from economic disaster. General facts about http://www.texasmedigapinsurance.com reviewed by health researchers supports to make clear the health challenges along strategies to avail the insurance at correct time period. Coinsurance guidelines give lot of positive aspects with financial savings to consumer. By mentioning the name, address, message and wellness troubles 1 can talk the health supporters belong to Medigap dietary supplement team. Prescription medicine brochures translated by authors in numerous languages also in single look viewers get unique fascination on topics coated beneath Medicare complement Texas. By building chart or table with columns like Medicare elements, extra charges and deductible variety on can recognize the rewards of the policy. Aside from United states, folks from international countries also prefer Medicare dietary supplement due to its supports and simplicity. Response of client executives performs an essential role for enlarging customer assistance. Ratings given by patients about Medigap plans tends to make uncomplicated to know the advantages and use through unexpected emergency time period. Strategies offered by professionals are supportive to meet associates at shorter span and solve from health challenges.
Source: wordpress.com

Medicare Supplement Insurance Texas Agencies Offer Is Helpful To Certain Clients

The federal government allows private agencies to sell supplemental policies to customers. These policies help individuals to pay for the things that their original insurance does not cover. Companies that sell such policies must comply with very strict federal and state laws and regulations. They are standardized according to guidelines created by the United States government and all such policies must provide the same coverage, regardless of the agency from which the coverage is obtained. However, each agency is allowed to charge different rates for the coverage.
Source: myglobalseattle.org

Texas Medicare Supplement

Texas is a big state and a lot of seniors are there. We have found that e-medigap is a great Medicare supplement brokerage to work with. They are located in Austin, Texas and have many years of experience dealing with Texas Medicare supplements. They are brokers and represent many different companies. If you are looking for a texas medicare supplement  you have found the place to go. If is important to get quotes from many different companies first since all companies offer the same benefits from company to company. The only thing that differs is price. Be sure to contact e-medigap for all your medicare needs!
Source: bellportbrookhavenhistoricalsociety.org

On The Net Neighborhood Of Medicare Supplement Plans Texas For Learn About Benefits Of Health Policy Along Safety Characteristics

Insurance schemes and added advantages of schemes are topic to transform based upon the nation and corporation. It was important to compare each and every and each and every scheme prior to taking any variety of insurance coverage plan like well being, automobile, dwelling and life. Strategies to figure out greatest scheme was briefed in on the net web page with illustrations and on-line videos. Wellness problems, accidents, disasters may perhaps arise with no any indications to check the life with economic assistance, insurance coverage coverage was useful. Primarily based on curiosity of people, Texas Medigap plans builders give help and sufficient information of distinct plan. Immediately after specific age absolutely everyone suffers large amount of troubles on account of anxiety, operate pressure and living surroundings. To be able to overcome complications caused by above components people need to pay certain healthcare quantity but when they take correct insurance coverage plan it helps to stay cost-free from monetary disaster. All round details about Texas Medigap Plans discussed by wellness scientists supports to explain the health issues alongside methods to avail the insurance at correct time period. Coinsurance insurance policies give lot of rewards with cost savings to consumer. By mentioning the name, deal with, message and well being difficulties 1 can communicate the health supporters belong to Medigap dietary supplement group. Prescription medicine brochures translated by authors in various languages also in one appear visitors get specific curiosity on topics coated beneath Medicare supplement Texas. By developing chart or table with columns like Medicare parts, extra fees and deductible assortment on can comprehend the advantages on this plan. Aside from United states of america, people today from international nations also choose Medicare complement as a result of its supports and simplicity. Response of customer executives plays an important function for enlarging customer assistance. Rankings provided by individuals about Medigap ideas makes quick to understand the positive aspects and use during emergency time period. Recommendations offered by specialists are supportive to meet associates at shorter span and solve from well being challenges.
Source: wordpress.com

Senior Benefit Services, Inc.

Note: A rate increase on new business is effective for apps signed November 1, 2012 and later. The new business rate increase is accompanied by a change in the age rate slope, so that the actual increase on new business rates may vary by age but in total is equivalent to the in force rate increase.
Source: srbenefit.com

Texas Annual Enrollment Period for Medicare

 During this time, everyone currently enrolled in Medicare may join or make changes to their health care plan. However, any changes you intend to make involving a Medicare Advantage plan or prescription drug coverage must take place during this time. There are exceptions to these dates. If you have existing coverage, but move out of your current plan’s service area or if your plan is terminated, you may add new coverage when you need it. In addition, if the Medicare Advantage plan you wish to join is rated five star, you may do so at any time during the year. And don’t forget, if you have a Medicare supplement plan, you may switch between plans at any time during the year, not just during Annual Enrollment.
Source: texasmedicarehealth.com

Portland Search Engine Marketing

Net back links are helpful to sign-up and obtain data about standard to premium strategy conveniently. Medicare supplement hyperlinks make individuals to compare diverse estimates over on-line internet sites and offer essential comments. Pictures about insurance plans are useful to know the crucial positive aspects involved in Medigap ideas provided by Dallas group. All specifications for people are fulfilled by authorities and proportion of taxes is decrease in Medicare Supplement insurance plano than other policies. Health issues are widespread for all age groups and insurance coverage coverage helps to save their dollars with legitimate guidelines. To be able to cut down the health-related bills, folks advise for getting insurance coverage primarily based on rewards and make fearless potential. With no any assistance of close friends, family members and neighbor a single could get required cash by taking insurance coverage insurance policies from licensed corporations. In older days, people worry about their payments given that no acknowledgment present by insurance coverage group. But in latest times, immediate receipt offer by team supporters with specifics of financial commitment. In situation of additional queries different mail address and telephone numbers are supportive. Advertisements about Medicare Supplement insurance plano via mass media, on line networking internet sites and search engines like google encourage the organization network. To enhance new branches in diverse elements of world several methods are taken by improvement team. Articles given by professionals about insurance coverage advantages, strategies for deciding upon minimal interest with maximum benefit are productive and reach the prospects quickly. Folks need to aware about insurance schemes and share the ideas with others to create them literate. Even in modern century, quite a few details provided in online web-sites are identified to be bogus therefore verifying the web site details was critical. Pros really need to know about background of insurance coverage business prior to take any plan and conscious about whole scheme. In Texas, Medicare Supplement insurance plano provides unlimited positive aspects to the plan takers if they provide needed paperwork.
Source: podbean.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

American Financial (AFG) Closes Sale Of Medicare Supplement And Critical Illness Businesses

AFG’s balance supplemental insurance operations consist solely of its run-off long-term care business, which has a book value of approximately $170 million, and which will continue to be based in Austin, Texas. AFG’s Austin-based life and annuity operations will transition to its home office in Cincinnati, Ohio before the end of the year.
Source: istockanalyst.com

Solutions To Subscribe For Getting Upgrades From Medicare Supplement Insurance Plano Along Details Offer In Blog

World wide web back links are beneficial to register and acquire information about simple to top quality program effortlessly. Medicare health supplement links make persons to evaluate various quotes more than on the net sites and offer necessary feedback. Pictures about insurance coverage ideas are helpful to understand the critical positive aspects involved in Medigap plans offered by Dallas team. All specifications for individuals are fulfilled by authorities and proportion of taxes is reduce in Medicare Supplement insurance plano than other procedures. Wellness troubles are widespread for all age groups and insurance coverage plan assists to save their funds with legitimate guidelines. So that you can minimize the health-related bills, people today suggest for using insurance coverage policy primarily based upon bonuses and make fearless long term. With no any support of good friends, family members and neighbor 1 can get essential dollars through insurance coverage guidelines from approved corporations. In more mature times, people today worry about their payments due to the fact no acknowledgment deliver by insurance team. But in recent times, instant receipt offer by team supporters with facts of financial investment. In case of further queries different mail deal with and phone numbers are supportive. Advertisements about Medicare Supplement insurance plano through mass press, on line networking sites and search engines like google market the company community. To improve new branches in different parts of world various actions are taken by development team. Articles offered by authorities about insurance rewards, guidelines for selecting minimal curiosity with maximum advantage are efficient and reach the shoppers simply. Folks must conscious about insurance schemes and share the thoughts with other individuals to make them literate. Even in present day century, a lot of facts provided in on line websites are located to be bogus therefore verifying the site information was significant. Experts ought to know about history of insurance coverage firm ahead of take any policy and conscious about complete scheme. In Texas, Medicare Supplement insurance plano presents limitless benefits to the coverage takers whenever they offer needed documents.
Source: wordpress.com

Final Review Aetna Medicare

Aetna which is an American Health Insurance Company got founded in the year 1853 and offers Aetna Medicare. The firm is listed among the Fortune 100 under the category of health care sectors. Aetna provides a large number of health insurance products/services which are directed towards the consumer and likewise the conventional ones like medical dental group life pharmacy long-term care Medigap behavioral health disability plans and medical management capabilities along with their Aetna advantage plans. Aetna Inc. (NYSE: AET) is a Hartford Connecticut based health insurance firm. The company has two more branches in Blue Bell (Pennsylvania) as well as Middletown (Connecticut).Aetna Health Insurance provides affordable and safe Supplement Medicare Insurance plans such as A B or F that have only been created to be able to make up your Original Medicare health insurance coverage – they also provide Medicare Part D insurance. Their Medicare supplement insurance plan includes out of the pocket expenditures such as Part A as well as Part B deductibles as well as expenses which gives you the facility and liberty of going to a qualified doctor who already provides Medicare. The individual himself and not others will make the choice for his ‘doctor to be visited’.Aetna offers a wide range of supplement Medicare plans with a wide insurance coverage. For instance: Aetna Golden Medicare plan (HMO) Aetna Medicare supplement (PlanSM) insurance policy as well as Aetna Medicare Rx plan as well as Aetna Golden Choice plan (PPO) or the basic Aetna Medigap insurance policy. Aetna Health Insurance Company also provides a wide range of health insurance products with a huge insurance cover which fits your spending budget as well as needs. The services/products comprise medical behavioral health long term care disability dental plans employee benefits etc. Choosing a Medicare plan can take time. As you assess plans keep in mind that along with medical hospital and prescription coverage Aetna likewise provides many extras like wellness vision hearing as well as fitness benefits included in a lot of Aetna Medicare Advantage plans vision hearing fitness weight management as well as natural products and services discounts with most plans as well as Aetna Health Connections – Disease Management Program – individualized clinical programs in excess of 30 chronic conditions.Aetna is the contiguous offshoot of America’s Aetna Insurance Company which released its first life insurance policy in 1850. Aetna offers supplement Medicare Plans such as A B C (throughout Texas) and Medicare Plan F in twelve states. Aetna likewise offers further Medicare plans in certain states as well as Plan D (prescribed drug coverage) in all fifty states. Aetna’s Medicare plans designed for senior citizens consist of Medicare Supplement insurance Medicare Advantage plans as well as Prescription Drug coverage (Medicare Part D). Aetna Health Insurance Company caters to the peoples’ overall health and financial well-being by putting forth trusted information as well as gearing up its resources to be able to operate for its fifteen million members (medical) ten million members (pharmacy) 12.6 million members (dental) and 12.8 million members (group insurance coverage).When selecting a Medicare plan keep in mind that Aetna Medicare provides a full range of plans. Regularly maintaining its track record of 153 years heritage Aetna Health Insurance Company is proving itself to be a frontrunner in the health care industry by establishing a solid health care system with the co-operative network of medical centers physicians employers and patients.
Source: fc2.com