A Different View about Obama’s Medicare “Actual Facts”

Posted by:  :  Category: Medicare

Gang of Six - Cartoon by DonkeyHoteyThe Affordable Care Act assumes deep reductions in payments to doctors, hospitals, nursing homes, and Medicare Advantage program, totaling $716 billion over ten years. By paying providers less, the trust fund may last a bit longer, but it means seniors will have a harder and harder time finding a doctor to see them as they drop out of the program or stop taking new Medicare patients. The law may not explicitly cut benefits, but it certainly will impact access to care. What good is a Medicare card if you can’t find a doctor? That is precisely the problem that patients on Medicaid — the program for lower-income Americans — face today, forcing them to go to hospital emergency rooms for even routine care. Do seniors want that?
Source: georgiapolicy.org

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

State Roundup: Ga. Considers Medicaid Managed Care ‘Light’ Touch

Modern Healthcare: AMA Joins Friend-Of-The-Court Brief In Fla. ‘Docs And Glocks’ Case The American Medical Association and nine other medical specialty societies have filed a friend-of-the-court brief opposing a Florida statute that prohibits physicians from asking patients and families about guns in their home and from noting a patient’s gun ownership in his or her medical record. “Not only do physicians lose the right to express themselves freely, but their patients are deprived of the full range of medical care and professionalism that they could expect from their physicians,” the brief stated. In July, a U.S. District judge in Miami blocked enforcement of the law. The state of Florida appealed this decision. The brief filed by the medical societies is in opposition to Florida’s appeal (Robeznieks, 11/5).
Source: kaiserhealthnews.org

Medicare to pay more often for therapies

Public HealthHealth InsuranceHealth CostsHospitalsHealth ReformMedicaidDelivery of CareChildren’s HealthMental HealthPhysiciansSafety NetDisabilitiesCaregivingMedicareUninsuredHealth DisparitiesPrescription DrugsLong-Term CareNursesHealth QualityQuality of CarenursingRural Health
Source: georgiahealthnews.com

Senior Benefit Services, Inc.

Effective November 1, 2012 on new business & in force business for Family Life Insurance Company 1990 and 2010 Modernized Medicare Supplement plans in Georgia. The Rate Adjustment will affect ALL Plans.
Source: srbenefit.com

Georgia voters oppose Romney

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

Georgia Cancer Specialists Settles with Feds over Medicare Billing

The civil settlement resolves the United States’ investigation into Georgia Cancer Specialists’ practices relating to billing for evaluation and management (E&M) services on the same day as a related procedure. Generally, providers are not permitted to bill both E&M services and a related procedure on the same day under the Medicare program’s regulations. In specific circumstances, providers can avoid this prohibition by submitting their claims marked with modifier -25, which tells Medicare to pay both the procedure and the E&M service. Here, the U.S. Attorney’s Office alleged that Georgia Cancer Specialists applied modifier -25 to claims that did not qualify for its use, leading to overpayments by Medicare.    
Source: patch.com

Man pleads guilty to Medicare fraud in Georgia

Individuals convicted of Medicare fraud in Georgia face serious penalties, making it important for those accused of such offenses to seek qualified legal representation immediately. The man in this case is currently in prison in a different state for a guilty plea in another health care fraud case, but faces a fine of up to $250,000 and up to five years of jail time once he is released if he is convicted in Georgia. Because he is not an American citizen and was living in the United States on an expired Visa at the time of the alleged fraud, he will likely face deportation as well. Those proceedings would not occur until he has completed any applicable prison sentences.
Source: atlantacriminaldefenseblog.net

Georgia: Medicare In Georgia

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Source: blogspot.com

Georgia Medicare Supplement Plans made easy by GAMedicarePlans.com

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

Avoiding The ‘Fiscal Cliff’ Likely Means Changes In Medicare

Posted by:  :  Category: Medicare

Stop the Machine 2011 by Saint IscariotREDUCE PAYMENTS TO PROVIDERS: Hospitals, physicians and other health care providers – many who are now facing payment cuts either in the 2010 health care law or from the upcoming “sequestration” reductions (or both) – may take another hit in a deficit deal. Among the options sometimes mentioned are limiting the amount of “bad debt” that hospitals and other providers can write off their taxes,  reducing federal funding for medical education and requiring more prior authorization for some medical services, such as imaging, to help reduce unnecessary care. Lawmakers looking for political cover from angry providers could cite the many deficit-reduction proposals that have advanced provider cuts: Obama’s 2011 deficit reduction proposal, the Simpson-Bowles plan and the Medicare Payment Advisory Commission, or MedPAC, which advises Congress on Medicare payment policy.
Source: kaiserhealthnews.org

Video: Improving Medicare in 2011

Aetna Medicare Announces New October 1, 2011 Certification Reimbursement Deadline

If you choose to transfer your AHIP certification to Aetna, you will just need to complete the remaining 3 requirements to finish the certification. The $100 registration fee does not apply to those who transfer their AHIP certification to Aetna and reimbursement is only available to producers who complete their AHIP certification with Aetna.
Source: wordpress.com

Will Obama Agree to Entitlement Cuts? He Already Has

But both candidates had to know how thoroughly disingenuous this debate really was. The fact is that Mr. Obama, during his “grand bargain” negotiations with the House speaker, John A. Boehner, in the summer of 2011, had already signed off on painful cuts to Medicare, Medicaid and Social Security, even if he never once mentioned that during his re-election campaign. So he knew there was a deal to be had that would preserve — and perhaps even strengthen — these programs without destroying them.
Source: nytimes.com

Is Medicare Spending the Biggest Driver of the Deficit?

Up until about 1970, the government more or less balanced its budget. There were surplus years and deficit years, but on average, the government ran a surplus of about $2 billion over the period 1929 through 1969. Starting in 1970, the government began to run sustained deficits, and by 1982, the government had spent a cumulative total of about $80 billion in excess of revenues received since 1929. At this point, what was essentially a flat line accelerates into what looks like exponential growth in debt. The deficit really starts to go off the cliff in 2008 with a $600 billion deficit, and the government outspends its revenues in excess of $1 trillion in each of the final three years of data. So where is this deficit and debt coming from? Is it entirely due to the fact that the government provided a fiscal stimulus, or perhaps due to the bailout of the banking system? Do we have a deficit because income tax revenues are too low? Is there a mass of wasteful spending, or is the government spending too much on defense?
Source: mygovcost.org

How will 2011 Medicare Rates Affect your ASC Business?

Dan is the Founder and President of Clearwater Florida based Liberty Search Associates a full service executive and management search and recruiting firm. He is a 20 year veteran of the human resource management and recruiting industry. His experience involves sourcing and hiring thousands of people while working for three global corporations. In 2002, Dan was specializing in health care recruitment while working as an executive recruiter for the world’s largest management recruiting firm. By 2003, he gained further healthcare experience while working directly for a Healthcare System as a market recruiter for a division of 15 acute care hospitals in West Central Florida. Here he had the opportunity to recruit all levels of nursing and other healthcare leaders. Dan started Liberty Search Associates in 2004 and recruits highly talented people that are motivated and self-directed. They are proven health care professionals with ability and aspirations for career growth and unique opportunities. Dan works with client hospitals and surgery centers nationwide to bring them the very best talent for key leadership positions. Dan and his wife Donna live near Clearwater, Florida. They have a son, Matthew, who is attending middle school.
Source: libertysearch.com

Why Medicare Must Be Reformed

Medicare enrollment is set to skyrocket. Baby boomers have already begun to retire. At the current rate of retirement, the program will enroll 10,000 beneficiaries into Medicare every day from 2011 to 2030. Moffit and Senger explain that “enrollment is expected to jump from 48 million beneficiaries in 2011 to 81 million by 2030.” This is coupled with a 50 percent decrease in the proportion of workers contributing to the hospital insurance trust fund over the same period. The outlook: more beneficiaries and fewer workers paying taxes to support them.
Source: fixhealthcarepolicy.com

Nursing Homes Overbilled Medicare by $1.5 Billion, Half of Claims Misreported

A few high-profile bankruptcies by continuing care retirement communities have made waves in the senior housing industry, and there’s more drama to come—for at least four more years, says a New York-based owner-developer of CCRCs who specializes in acquiring distressed assets. During Senior Housing News’ inaugural Senior Housing Summit, held last Thursday in Chicago, Ill.,… Read More »
Source: seniorhousingnews.com

Only 66% Of Medicare Beneficiaries Used Their Free Preventative Care In 2011

This blog (formerly The Patient Advocate) contains my thoughts about healthcare. It is generally focused on marketing related issues from a patient perspective. After working in healthcare, my opinion is that most companies today think of patients as claims. I advocate that healthcare needs to be more like consumer products and think differently about how they interact…both for their own personal benefits and for the patients.
Source: georgevanantwerp.com

 Health Care Insights

Posted by:  :  Category: Medicare

AARP * Aetna Inc * Alabama Insurance Department * American Specialty Health * Amerigroup Corporation * Ameri-Plus Select Services * Arcadian Health Plan & Management Services * Arnold & Porter * Balboa Nephrology Medical Group * Barclays Capital * BCBS of Minnesota * Blue Cross Blue Shield of Tennessee * Boehringer Ingelheim * California Association of Physicians Group * Capital District Physicians Health Plan * Care 1st Health Plan * Care N Care Health Plan * Caremore * Clarian Health Plans * DCA Solutions * DCIPA * Deft Research * Dendreon Corporation * Dial America * DMW Direct * Dynamic Healthcare Systems * Endo Pharmaceuticals * Essence Health Care * Essex Woodland * Express Scripts Inc * Family Health Plans * Firstsource * Forest Laboratories Inc * Fresenius Medical Care * Geisinger Health Systems * GemCare Health Plan * Gorman Health Group * Group Health Cooperative * Health Alliance Medical Plans * Health Data Essentials * Healthcare Partners * HealthMetrix Research Inc * HealthNet Government Programs * HealthPlan CRM * HealthSpring * Healthways Inc * Henry Ford Health System * HMS Permedion * Humana * Independence Blue Cross * Inspiris * Inter Valley Health Plan * Kaiser Foundation Health Plan of Colorado * Kaiser Permanente * Leprechaun * Marketing Direct Inc * Matrix Medical Network * Medagate Corporation * MedAssurant * MVP Health Care * North Texas Specialty Physicians * Old Surety Life Insurance Company * Oliver Wyman Actuarial Consulting * Peak Health Solutions * PopHealthMan * Preferred Care Partners * Quest Diagnostics * SCAN Health Plan Arizona * Sharp Health Plan * Silverlink Communications * South Shore * Sterling Life Insurance Company * Texas HealthSpring * The Bright Sight Group * The Harry Walker Agency * The Kaiser Family Foundation * The National Advisory Board on Improving Health Care Services for Seniors and People with Sisabilities* The Permanente Federation * Thoroughbred Research Group * TMG Health * TriZetto Group * Tucson Medical Centre * UMWA Health & Retirement Funds * United American * United Community Health Plans * United Health Care * Univita Health * UPMC Health Plan Inc * Varis * Visiting Nurse Service of New York * VNS Choice Medicare * Wilen Direct
Source: blogspot.com

Video: VNSExtras.flv

Medical Assistant Sentenced to 36 Months in Prison for His Role in a Fraudulent Home Health Scheme : FERS

Ross, 51, pleaded guilty in July 2010 to one count of conspiracy to commit health care fraud.  According to court documents, Ross received kickbacks from the owners and/or operators of two Detroit-area home health agencies, Patient Choice Home Healthcare Inc. and All American Home Care Inc., in exchange for referring home health patients to those entities.   Ross admitted to receiving $500 per patient, paid either by check or in cash, in exchange for providing co-conspirator Mohammed Shahab with Medicare beneficiary information for various patients he recruited.    After paying the kickbacks to Ross, Shahab, an owner of Patient Choice and All-American, billed Medicare for home health visits purportedly made to the beneficiaries recruited by Ross.   Ross referred 21 patients to Patient Choice and All American.   During the time Ross participated in the scheme, Patient Choice and All American submitted claims for $172,573 in improper benefits.  Shahab pleaded guilty in February 2010 to health care fraud charges in connection with this case.
Source: dehaanbusse.com

Clinical Psychology and Psychiatry: A Closer Look: New York Says No to VNS

I noticed someone was looking under “medicare determination VNS” and stumbled upon my site. I did a little (and I mean very little, sorry) research on the topic. I noticed that Public Citizen recommends (wisely) that vagus nerve stimulation not be covered by Medicare as a depression treatment due to the meager evidence in its support. I suspect that Dr. Charles Nemeroff disagrees. I could not find any national Medicare policy on VNS, but I found that the state of New York had the following to say: “In 2005, the FDA approved this device for the adjunctive long-term treatment of chronic or recurrent depression for patients 18 years of age or older who are experiencing a major depressive episode and have not had an adequate response to four or more adequate antidepressant treatments.
Source: blogspot.com

VNS for Depression “New”? No, But Don’t Tell Wired

Dr. John Grohol is the CEO and founder of Psych Central. He is an author, researcher and expert in mental health online, and has been writing about online behavior, mental health and psychology issues — as well as the intersection of technology and human behavior — since 1992. Dr. Grohol sits on the editorial board of the journal Cyberpsychology, Behavior and Social Networking and is a founding board member and treasurer of the Society for Participatory Medicine. Like this author? Catch up on other posts by John M. Grohol, PsyD (or subscribe to their feed).
Source: psychcentral.com

Visiting Nurse Service of New York Brings VNSNY Choice to Seniors in Westchester

VNSNY CHOICE is an affiliate of the Visiting Nurse Service of New York and shares its mission to care for the most vulnerable New Yorkers: the elderly, poor and frail, many suffering with multiple chronic conditions. Our Medicaid Managed Long Term Care plan (MLTC) is the largest program of its kind in New York State, serving more than 10,000 members. The plan aims to maximize the functionality and independence of its members who, on average, have four chronic illnesses and multiple functional deficits. We have more than a decade of experience operating an MLTC plan and we have developed processes, systems and tools that are uniquely designed to benefit the vulnerable population we serve.  Visit www.VNSNYCHOICE.org or call 1-855-AT-CHOICE (1-855-282-4642) for more information.
Source: patch.com

Medicare Plan Finder for Health, Prescription Drug and Medigap plans

Posted by:  :  Category: Medicare

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

Video: Medicare and You – Resources for Open Enrollment

Medicare Open Enrollment Ends Dec. 7

Well, the reason is its "officially called the Annual Election Period" and not Medicare open enrollment is because now is NOT Medicare open enrollment time. Medicare general enrollment happens in January-March of each year. Medicare general enrollment time is the period when people who did not sign up for Medicare when first eligible can sign up for the first time. There aren’t very many of us seniors in that category but that is why it is not correct to say that now is "Medicare open enrollment time."
Source: patch.com

Liberal think tank unveils Medicare cut options

Although this proposal would not save the government any money, some seniors would pay more and others less. Those with Medigap insurance that cover their medical costs from the first dollar would have to pay out of pocket, although they’d recoup some of that through lower premiums. All Medicare beneficiaries would benefit from better protection against catastrophic costs. Overall, the idea behind the proposal is to discourage people from going to the doctor when they don’t have to.
Source: fiftyplusadvocate.com

State Sen. Jehlen: ‘Review your Medicare Options, Save Money’

4. I am not sure what the politician means with “The full implementation of Obamacare over the next couple of years makes reevaluating your Medicare options even more important.” Perhaps: — The politician means steer away from Part C Medicare Advantage because Obamacare is projected by the Medicare actuary to increase Part C Medicare Advantage monthly premiums or reduce Part C Medicare Advantage benefits dramatically, forcing millions of seniors to choose between no supplemental coverage or more expensive Medigap coverage. — The politician may also mean steer away from Medigap Supplement-1 in Massachusetts (Medigap Plans N and F in other states) because Obamacare will do away with these Medigap plans’ first-dollar coverage in 2014. — The politician means stay away from small hospitals and nursing facilities because Obamacare will make major cuts in Medicare reimbursements to hospitals and nursing homes staring in 2012, forcing many – presumably the smaller ones — to incur large losses according to the Medicare actuary. — The president is also proposing major changes in Part D Medicare drug coverage but that is not part of Obamacare.
Source: patch.com

Medicare Open Enrollment: Now’s the time!

In my work with Medicare, one of the questions people ask me often is which plan is the best one. That’s not something I can answer, because picking a plan is an important and personal decision. Each person has a unique set of priorities. How do you weigh your options? Now’s the time to think about what matters to you, and pick the Medicare plan that meets your needs.
Source: medicare.gov

More Time to Enroll in Medicare If You Live in Storm Areas

Thanks to the marvels of medical science, our parents are living longer than ever before. Adults over age 80 are the fastest growing segment of the population; most will spend years dependent on others for the most basic needs. That burden falls to their baby boomer children. In The New Old Age, Paula Span and other contributors explore this unprecedented intergenerational challenge. You can reach the editors at newoldage@nytimes.com.
Source: nytimes.com

Learn About Medicare Changes November 14

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Source: patch.com

Medicare Trying To Nudge Seniors Out Of Plans With Low Ratings

Robert Zirkelbach, a spokesman for America’s Health Insurance Plans, an industry trade group, said the letter to beneficiaries is “premature” because the ratings system is flawed.  It is based on measures that do not sufficiently take into account, for example, plans serving a disproportionate number of beneficiaries with multiple chronic conditions or special needs, or who live in medically underserved areas.  “These are unique challenges to providing care to those populations,” he said.
Source: kaiserhealthnews.org

Los Angeles Senior Medicare Options

Many different insurance companies offer medigap supplemental plans ranging from very basic supplemental coverage in conjunction with Part A and Part B traditional medicare to comprehensive protection that eliminates many copays and deductibles. From Plan A to Plan F plans you can shop different plans and different carriers such as Anthem, Aetna, Blue Shield, United Healthcare (AARP) and others. Most of these carriers and plans are virtually identical and monthly premiums are within a certain range so its basically a matter of choosing a carrier that contracts with your physician and a plan that you can afford and suits your coverage needs.
Source: wordpress.com

Things to Think about when You Compare Medicare Drug Coverage

Monthly Premium Most drug plans charge a monthly fee that varies by plan. You pay this fee in addition to the Medicare Part B (Medical Insurance) premium. If you’re in a Medicare Advantage Plan or a Medicare Cost Plan that includes Medicare prescription drug coverage, the monthly premium you pay to your plan may include an amount for prescription drug coverage. Note: What you pay for Medicare prescription drug coverage could be higher based on your income. This includes coverage you get from a Medicare Prescription Drug Plan, a Medicare Advantage Plan, a Medicare Cost Plan, or an employer group Medicare Advantage Plan that includes Medicare prescription drug coverage. If the modified adjusted gross income that you reported on your IRS tax return from 2 years ago (the most recent tax return information provided to Social Security by the IRS) is above a certain limit, you will pay an extra amount in addition to your plan premium. Usually, the extra amount will be deducted from your Social Security check. If you have to pay an extra amount and you disagree (for example, you have a life event that lowers your income), call Social Security at1-800-772-1213. TTY users should call 1-800-325-0778. For more information, visitwww.socialsecurity.gov.
Source: growingolder.org

How the Candidates Compare on Medicare

Critics of the Romney/Ryan plan for Medicare note that this idea will turn Medicare into a private system and leave seniors at the mercy of insurance companies. Others note that the voucher system would not necessarily keep up with health care inflation. The result could be that seniors will receive a voucher that will be insufficient to pay for health insurance coverage that includes everything that the current Medicare system currently covers.
Source: families.com

2013 Medicare Annual Enrollment Period: eHealth Identifies Nine Costly Mistakes to Avoid for Medicare Advantage Customers / eHealth

eHealth, Inc. (NASDAQ: EHTH) is the parent company of eHealthInsurance, America’s first and largest private health insurance exchange where individuals, families and small businesses can compare health insurance products from leading insurers side by side and purchase and enroll in coverage online. 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. 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

NFCC Financial Education Blog

Eligibility. Medicare provides health care benefits to people age 65 and older and those under 65 with certain disabilities or end-stage renal disease. For most people, the initial enrollment period is the seven-month period that begins three months before the month they turn 65. If you miss that window, you may enroll for the first time between January 1 and March 31 each year, although your coverage won’t begin until July 1. To apply for Medicare online, visit this site.
Source: nfcc.org

Avoiding The ‘Fiscal Cliff’ Likely Means Changes In Medicare

Posted by:  :  Category: Medicare

New Online Rx System Makes UM Student 'Top Entrepreneur' Finalist by University of Maryland Press ReleasesREDUCE PAYMENTS TO PROVIDERS: Hospitals, physicians and other health care providers – many who are now facing payment cuts either in the 2010 health care law or from the upcoming “sequestration” reductions (or both) – may take another hit in a deficit deal. Among the options sometimes mentioned are limiting the amount of “bad debt” that hospitals and other providers can write off their taxes,  reducing federal funding for medical education and requiring more prior authorization for some medical services, such as imaging, to help reduce unnecessary care. Lawmakers looking for political cover from angry providers could cite the many deficit-reduction proposals that have advanced provider cuts: Obama’s 2011 deficit reduction proposal, the Simpson-Bowles plan and the Medicare Payment Advisory Commission, or MedPAC, which advises Congress on Medicare payment policy.
Source: kaiserhealthnews.org

Video: Medicare Benefits Made Clear: News, Reform & Obamacare Exposed!

Nederland health care service makes national list

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Source: beaumontenterprise.com

InsureBlog: Medicare Reform

Lawmakers are wrestling with finding a balance between asking beneficiaries to pay more for Medicare services and reducing payments to Medicare providers, such as hospitals and nursing homes. Those providers, who are already expecting their Medicare payments to grow at a slower rate over the next decade as part of the 2010 health law, likely would fight additional cuts.  And beneficiaries, many who are on fixed incomes, will not want to pay more for Medicare services.
Source: blogspot.com

OIG’s Plan for Nursing Facilities

The OIG has also made state inspections a priority. Specifically, whether state agencies are following up on correction plans created in response to deficiencies identified during state nursing home inspections. There will also be a focus on the efforts of state agencies and the Centers for Medicare and Medicaid Services (CMS) to improve performance. Enforcement decisions, including follow-up actions and the implementation of corrective measures in response to complaints and survey results are a core focus in this area.
Source: seniorhomes.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

Status Update: Where Each State Stands with Health Insurance Exchanges

The Affordable Care Act (ACA) requires each state to have a health insurance exchange through which low and moderate-income individuals can purchase private health coverage at subsidized rates. In line with the mandate that each individual have health insurance by 2014, the exchanges are likewise required to be fully operational in each state by January 1, 2014. The ACA allows each state the choice of how to establish the health insurance exchange. States can opt to create their own state-based exchanges, partner with the federal government to create a state-federal exchange, or have an entirely federally created and facilitated exchange. The deadline for states to decide whether they will be creating their own state-based exchange is Friday, November 16
Source: healthcarebiller.com

San Francisco Area Providers Create ACO

A number of San Francisco area providers and Health Net of California, a Woodland Hills-based payer, are forming an accountable care organization (ACO) for University of California (UC) employees living or working in the area. The hospitals joining in this initiative are the University of California at San Francisco (UCSF) Medical Center, UCSF Benioff Children’s Hospital, San Ramon, Calif.-based Hill Physicians Medical Group, and St. Mary’s Medical Center and Saint Francis Memorial Hospital both of San Francisco.
Source: healthcare-informatics.com

Verizon Offers Six Tips to Help Consumers Protect their Personal Health Information and Fight Health Care Fraud

Verizon Communications Inc. (NYSE, NASDAQ: VZ), headquartered in New York, is a global leader in delivering broadband and other wireless and wireline communications services to consumer, business, government and wholesale customers. Verizon Wireless operates America’s most reliable wireless network, with nearly 96 million retail customers nationwide. Verizon also provides converged communications, information and entertainment services over America’s most advanced fiber-optic network, and delivers integrated business solutions to customers in more than 150 countries, including all of the Fortune 500. A Dow 30 company with $111 billion in 2011 revenues, Verizon employs a diverse workforce of 184,500. For more information, visit www.verizon.com.
Source: telecomramblings.com

Chronic Conditions No Longer Barrier to Medicare Services

In fairness to Medicare providers, I suspect that many denials of coverage were an over zealous response to the Federal governments continued efforts to combat Medicare fraud and abuse. Training guidelines for nursing home administrators and physical therapists are replete with warnings about providing unneccessary services (i.e. Medicare abuse). Also, although the Medicare manual provisions did not include an “improvement standard” they were sufficiently vague regarding services for those with chronic conditions that not only providers, but also administrative law judges found the subject confusing. Additionally, Medicare providers often assumed (falsely) that if they erred, the patient would appeal the denial of coverage. In practice, the mechanics of appealing the denial of coverage often seemed daunting for many older adults who perceived the effort to be an exercise in futility.
Source: chicagonow.com

GAO Report Examines Medicare Costs From Self

A recent GAO report examines the growing prevalence of physician self-referral (referral to the physician’s own practice) for advanced imaging services (e.g., magnetic resonance imaging (MRI) and computed tomography (CT) services) and its effect on Medicare spending. The GAO reports that while the number of both self-referred and non-self-referred advanced imaging services increased from 2004 through 2010, the growth rate was much higher for self-referred services. For instance, the number of self-referred MRI services increased by more than 80% during this period, compared to a 12% growth rate for non-self-referred MRI services. Self-referring providers referred about twice as many MRI and CT services as providers who did not self-refer in 2010, and these differences persisted even after accounting for practice size, specialty, geography, or patient characteristics. The GAO also found that providers’ referrals of MRI and CT services substantially increased the year after they purchased or leased imaging equipment or joined a group practice that self-referred. The GAO estimates that providers who self-referred likely made 400,000 more referrals for advanced imaging services in 2010 than they would have if they were not self-referring, increasing Medicare costs by about $109 million. The GAO points out that any unnecessary referrals “pose unacceptable risks for beneficiaries, particularly in the case of CT services, which involve the use of ionizing radiation that has been linked to an increased risk of developing cancer.” The GAO recommends that CMS take steps to improve its ability to identify self-referral of advanced imaging services and address increases in these services, including: inserting a self-referral flag on Medicare Part B claims form to indicate whether or not an advanced imaging service is self-referred; implementing a payment reduction for self-referred advanced imaging services to “recognize efficiencies when the same provider refers and performs a service”; and determining how to ensure the appropriateness of advanced imaging services referred by self-referring providers.
Source: healthindustrywashingtonwatch.com

Waivers 'get Medicare regs out of your way'

CMS officials referred Kruse to a CMS website with FAQs and other materials on waivers. One of those FAQs states: “Medicare will pay for the replacement of equipment which the beneficiary owns or is purchasing, is oxygen equipment, or is a capped rental item—when the equipment/item is lost, destroyed, irreparably damaged, or otherwise rendered unusable due to circumstances relating to an emergency.”
Source: hmenews.com

Tax Tip Tuesday: Questions and Answers for the Additional Medicare Tax

If a former employee receives group-term life insurance coverage in excess of $50,000 and the resulting income is in excess of $200,000, how does an employer report Additional Medicare Tax on this? The imputed cost of coverage in excess of $50,000 is subject to social security and Medicare taxes, and to the extent that in combination with other wages it exceeds $200,000, it is also subject to Additional Medicare Tax. When group-term life insurance over $50,000 is provided to an employee (including retirees) after his or her termination, the employee share of social security and Medicare taxes and Additional Medicare Tax on that period of coverage is paid by the former employee with his or her tax return and is not collected by the employer. An employer should report this income as wages on Form 941, Employer’s QUARTERLY Federal Tax Return (or the employer’s applicable employment tax return), and make a current period adjustment to reflect any uncollected employee social security, Medicare, or Additional Medicare Tax on group-term life insurance. However, unlike the uncollected portion of the regular (1.45%) Medicare tax, an employer may not report the uncollected Additional Medicare Tax in box 12 of Form W-2 with code N.
Source: growaz.org

$250 Medicare Rebate Checks a ‘Drop in the Bucket’ Compared to Rising Drug Prices

Posted by:  :  Category: Medicare

TWO YEARS OF RUIN by SS&SS–> Sometime in August, Patricia Holland will drop into Medicare’s dreaded doughnut hole. She is already bracing for that financial wallop. Holland, 67, of Centreville, Md., regularly takes seven prescription medications. One of them — Entocort — is especially expensive. It prevents severe attacks of her colitis, an inflammatory bowel disease. Right now, with full Medicare drug coverage — before the doughnut hole — Holland pays $195 a month for Entocort. That’s her co-pay, nowhere near the full price of the medication. When she enters the doughnut hole, though, her Entocort cost will go up exponentially, consuming, she says, her entire state retirement check. The doughnut hole is the coverage gap in the Medicare prescription drug benefit, called Part D. Seniors get initial coverage until their total drug expenses exceed $2,830. Then Medicare covers nothing until total spending reaches $6,440, when catastrophic coverage starts. The doughnut hole is the $3,610 space between the two amounts, when seniors pay all costs for their drugs.Health care reform legislation will shrink that hole in Medicare drug costs. This year, seniors who fall into the doughnut hole will get a rebate check for $250. Last week, the federal government mailed the first of those checks. Next year, Medicare recipients will get a 50% discount on brand-name drugs while in the doughnut hole. The coverage will improve annually until the hole disappears in 2020. The extra $250 doesn’t impress Holland. “A drop in the bucket,” she says. She spends hundreds of dollars a month on prescriptions even before she reaches the gap. When she arrives in the doughnut hole, the retail price of Entocort (three 3 mg pills a day) could reach $1,200 a month. For one drug. Fortunately, her position as a volunteer at a nearby Maryland hospital offers her a price break. Holland began volunteering there in 1997. Two years ago, when her drug costs spiked with Entocort, she started taking advantage of the hospital program offering medications at the same price that the hospital pays. When in the doughnut hole last year, Holland paid $680 for Entocort through the hospital. This year, she says, it will cost her $300 more a month in the doughnut hole. The hospital’s cost has climbed to $988, she says. The price difference stunned her. “My pharmacist told me that all drug prices have gone up,” Holland says. A recent AARP study found that average prices for brand-name drugs that are widely used by Medicare beneficiaries rose almost 10% over a 12-month period ending in March — higher than the rate of increase in the previous eight years. That compares with a general inflation rate of 0.3% over that same period. Meanwhile, the price of widely used generic prescriptions fell by an average of nearly 10% during that same period, the study found. AARP has been tracking drug price increases since the enactment of Medicare Part D and the doughnut hole. “It’s no surprise that prices have gone up,” says John Rother, AARP executive vice president. “The surprise is they’ve gone up faster than before — and gone up during an economic downturn.” Responding to the AARP data, the brand-name drug industry said prescription drugs help control health care spending by reducing unnecessary hospitalizations and helping manage chronic diseases. “Prescription medicines represent a small and decreasing share of growth in overall health care costs in the U.S,” said a statement from PhRMA, which represents the brand drug industry. Entocort is manufactured by AstraZeneca, which referred questions about pricing to the company that markets the drug, Prometheus Laboratories. A Prometheus spokesman declined to comment. The drug is expected to face generic competition in early 2012. As drugs near the end of their patent exclusivity, prices sometimes rise — probably so the manufacturer can maximize its revenue before the drug goes generic, AARP says. Holland takes generics when she can. She says her family income is too high for her to qualify for the manufacturer’s drug assistance program for Entocort. So the doughnut hole awaits — along with the $988 per month tab. “I know people in the doughnut hole who don’t take their prescriptions” because of the cost, Holland says, adding that it’s a good thing that health reform will eventually close the doughnut hole. Her overall assessment of the hole? “It stinks.” And the price increase for her medication? “There’s no rhyme or reason for that. It’s already high enough. ”
Source: dailyfinance.com

Video: DeafLink ASL Update – Show 1 – Medicare Part D Rebate Checks June 15, 2010.wmv

Medicare Supplement plans to receive rebates

[…] Independent agent for health and life insurance in northern California. CA LIC. 0H12644. Focusing on families, individuals, self employed and small business. Representing several insurance carriers including Medicare Advantage and Part D Plans. Life insurance, final expence and funeral trusts. My pledge to my clients: 1. I respect your time and decisions. 2. I will not try to sell you something you do not want or need. 3. I will not call you after 5pm unless you ask me to.Source: insuremekevin.com […]
Source: insuremekevin.com

Avoid Medicare doughnut hole rebate check scams

The one-time rebate checks were mandated under the Affordable Care Act recently passed by Congress and signed by President Obama. They are the first step in fixing the coverage gap in Medicare Part D prescription drug coverage. Currently, Medicare beneficiaries whose prescription drug costs reach $2,830 must pay 100 percent of their additional costs until total out-of-pocket expenses reach $4,550.
Source: consumerreports.org

$250 Medicare Drug Rebate Checks, A Small Start

Our previous post noted that compared to the $3,610 gap, $250 doesn’t seem like a lot of money. In fact it is only one-fourteenth of the total cost seniors will have to pay to get out of that hole and back into government subsidized prescription drug territory. This realization is discouraging in itself, but added to the fact that drug companies are boosting their prices higher than ever, seniors are faced with diluted savings that make little to no impact on their financial access to necessary prescription drugs.
Source: pharmacycheckerblog.com

Will Obama Agree to Entitlement Cuts? He Already Has

But both candidates had to know how thoroughly disingenuous this debate really was. The fact is that Mr. Obama, during his “grand bargain” negotiations with the House speaker, John A. Boehner, in the summer of 2011, had already signed off on painful cuts to Medicare, Medicaid and Social Security, even if he never once mentioned that during his re-election campaign. So he knew there was a deal to be had that would preserve — and perhaps even strengthen — these programs without destroying them.
Source: nytimes.com

OIG’s Plan for Nursing Facilities

Posted by:  :  Category: Medicare

No doctor shopping here, buddy by Newtown grafittiThe OIG has also made state inspections a priority. Specifically, whether state agencies are following up on correction plans created in response to deficiencies identified during state nursing home inspections. There will also be a focus on the efforts of state agencies and the Centers for Medicare and Medicaid Services (CMS) to improve performance. Enforcement decisions, including follow-up actions and the implementation of corrective measures in response to complaints and survey results are a core focus in this area.
Source: seniorhomes.com

Video: Medicare Spending Per Beneficiary Measure National Provider Call – February 9, 2012

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 ACOs: Healthcare providers and the ACO (Part 4)

One of the ACO’s primary care physicians, Dr. Smith, has a large number of beneficiaries with DM.  She establishes a diabetic management program that includes longer than average physical examinations by the doctor, which reduces the number of patients she can see each day and the reimbursement she will receive.  [In our last installment, we reviewed that ACO physicians continue to be reimbursed by CMS on a fee-for-service (FFS) basis for the Medicare-covered services they provide.] Dr. Smith launches a diabetic education and monitoring by nurses who regularly call the diabetic beneficiaries and inquire about their health, medication and dietary compliance, etc.  The doctor developed this program because studies show that patient education and engagement are crucial to good diabetic management and lower medical costs.
Source: askccg.com

Report Calls for CMS To Improve its Response to Data Breaches

OIG also found that contractors are not effectively using a CMS database that contains information on Medicare beneficiaries and providers who have been affected by identity theft. The database currently includes 284,000 Medicare beneficiary identification numbers and 5,000 Medicare provider numbers.
Source: ihealthbeat.org

OIG: CMS responses to health data breaches are inadequate

What OIG has found is a failure by CMS to abide by all the requirements pertaining to reporting health data breaches. First, the federal agency tended to respond too slowly when notifying those affected by breaches. “Notifications for some breaches were sent 4 days after the 60-day timeframe, while others were sent more than 4 months after the 60 days.  Notification letters for the largest breach were sent within the required timeframe,” wrote Inspector General Daniel Levinson. Second, CMS failed to provide sufficient information about the breach themselves as well as the responses the agency and its contractors were taking to mitigate the extent of the breach and help affected individuals protect their information going forward, information required by ARRA.
Source: ehrintelligence.com

Compliance with Conditions of Participation Necessary for Reinstatement of Terminated Medicare Billing Privileges or Revoked Medicare Provider Number and Participation Agreement

We recommend immediately retaining an experienced health attorney to help you prepare and file a corrective action plan (CAP), request for reconsideration of the decision and an appeal, if necessary.  We recommend that you include proof of currently meeting every required condition of participation (COP) for your health specialty, service or item.  We include copies of written policies adopted, new forms, new procedures, insurance policies, copies of CMS forms 855 that were previously submitted, and other documents that may be required by the COP.  Please see our prior blog/article on submitting CAPs.
Source: thehealthlawfirm.com

Budget Sequestration (“Fiscal Cliff”) to Cost Medicare Providers $11 Billion in FY 2013, White House Reports : Health Industry Washington Watch

The Budget Control Act imposes a number of special rules regarding the application of sequestration to the Medicare program. Most notably, Medicare cuts are limited to provider payments, and reductions are capped at 2% of individual provider payments under Medicare Parts A and B, and monthly payments under Part C (Medicare Advantage) and Part D prescription drug plan contracts. Medicare payment reductions must be made at a uniform rate across all programs and activities subject to sequestration. Sequestration reductions will be disregarded for purposes of computing adjustments to Medicare payment rates, including the Part C growth percentage, the Part D annual growth rate, and application of risk corridors to Part D payment rates. Also specifically exempt from sequestration are Part D low-income subsidies, Part D catastrophic subsidies, and payments to states for Qualified Individual premiums.
Source: healthindustrywashingtonwatch.com

Medicare Open Enrollment: More is better

Posted by:  :  Category: Medicare

For those choosing Original Medicare, the benefit package continues to grow stronger and provide greater value. For example, EVERYONE with Medicare has access to a variety of preventive services and screenings, most at no cost to them when furnished by qualified and participating health care professionals. This includes things like diabetes and cancer screenings, and a yearly “wellness” visit. During the first 9 months of this year, over 20 million people with Original Medicare received at least one preventive service at no cost.
Source: medicare.gov

Video: Medicare and You – Resources for Open Enrollment

Q&A: Medicare open enrollment too often overlooked

Medicare does not cover everything. You still have to pay out of pocket. This year, the Part A deductible is $1,156 if you go in the hospital. For Part B, there’s a $140 deductible, plus 20 percent of everything over that. If you have outpatient therapy for cancer, it could be $10,000 a month, so your share would be $2,000. It can really add up to big money.
Source: sltrib.com

Medicare Open Enrollment Ends Dec. 7

Well, the reason is its "officially called the Annual Election Period" and not Medicare open enrollment is because now is NOT Medicare open enrollment time. Medicare general enrollment happens in January-March of each year. Medicare general enrollment time is the period when people who did not sign up for Medicare when first eligible can sign up for the first time. There aren’t very many of us seniors in that category but that is why it is not correct to say that now is "Medicare open enrollment time."
Source: patch.com

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

2013 Medicare Annual Enrollment Period: eHealth Identifies Nine Costly Mistakes to Avoid for Medicare Advantage Customers / eHealth

eHealth, Inc. (NASDAQ: EHTH) is the parent company of eHealthInsurance, America’s first and largest private health insurance exchange where individuals, families and small businesses can compare health insurance products from leading insurers side by side and purchase and enroll in coverage online. 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. 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

More Time to Enroll in Medicare If You Live in Storm Areas

Thanks to the marvels of medical science, our parents are living longer than ever before. Adults over age 80 are the fastest growing segment of the population; most will spend years dependent on others for the most basic needs. That burden falls to their baby boomer children. In The New Old Age, Paula Span and other contributors explore this unprecedented intergenerational challenge. You can reach the editors at newoldage@nytimes.com.
Source: nytimes.com

NFCC Financial Education Blog

Eligibility. Medicare provides health care benefits to people age 65 and older and those under 65 with certain disabilities or end-stage renal disease. For most people, the initial enrollment period is the seven-month period that begins three months before the month they turn 65. If you miss that window, you may enroll for the first time between January 1 and March 31 each year, although your coverage won’t begin until July 1. To apply for Medicare online, visit this site.
Source: nfcc.org

Medicare Rx Open Enrollment

There’s never been a better time to check out Medicare coverage. With the new health care law, there are new benefits available to people with Medicare, including lower prescription costs, wellness checkups and preventive care. The new law also provides better ways to protect beneficiaries from fraud, making Medicare stronger for all of us and for future generations.
Source: patch.com

Medicare open enrollment: Sandy victims get an extension

If you do want to make a change, CMS would still like you to hit the December 7 deadline if you possibly can. But if you can’t because of the big storm, you can enroll as soon as you’re able by calling 1-800-MEDICARE (1-800-633-4227). Your new coverage will start Jan. 1, 2013 if you sign up before the end of December. If it’s later than that, coverage in most cases will start at the beginning of the next month.
Source: consumerreports.org

Medicare Enrollment Extended for People Affected by Hurricane Sandy

The extra time also applies to any beneficiaries who normally get help from family members or others to sort through dozens of plans but who have been unable to do so this year because they live in storm-ravaged areas. Neither beneficiaries nor those who provide them assistance will be required to prove that they experienced storm damage.
Source: ourparents.com

Tips for Navigating Medicare Part D Open Enrollment

Yesterday kicked off the 2013 Medicare Part D open enrollment period, during which millions of Medicare-eligible Americans over 65 and persons with disabilities can choose a new Part D plan that best fits their needs. As Medicare Today recently highlighted in a survey, 90 percent of seniors are satisfied with their Part D plan, with more than six in 10 seniors reporting that they would not be able to fill all of their prescriptions without Part D. But if you aren’t one of those satisfied people, shop around. In the coming weeks, our hope is that we can assist in pointing people to helpful tools that enable comparing and evaluating options.
Source: phrma.org

Medicare extends enrollment period for Sandy victims

Seniors affected by the storm also faced another benefit problem: meeting the deadline for enrolling in Medicare Advantage and prescription drug plans for 2013. The fall enrollment period is underway and ends on December 7th. Seniors who have been cut off from phone, internet or electric power will have difficulty meeting that deadline. “Even if the power and phone service comes back soon, many of these seniors will have more pressing problems to deal with than picking an insurance plan,” says Doug Goggin-Callahan, director of education for the Medicare Rights Center (MRC), a non-profit advocacy group that assists consumers with Medicare issues.
Source: retirementrevised.com

How to Decipher the ABCDs of Medicare: Part D

We invite all comments in regard to this article. What are your thoughts on Medicare? What are your thoughts on the Affordable Care Act and Medicare?  Do you think the system is working? Do you think Medicare should be regulated and administered at the individual state level? How will the healthcare insurance exchanges impact Medicare?
Source: bhmpc.com

Blue Care Network expands Medicare Advantage service area, Blue Cross and Blue Care Network add plan options

Posted by:  :  Category: Medicare

In addition, BCN Advantage members will now be able to “buy up” to more comprehensive dental and vision benefits for a modest additional premium. Members will receive partial coverage on restorative services such as fillings, root canals, crowns and crown repairs. They’ll also get an allowance for frames and lenses to improve their vision health.
Source: hcwreview.com

Video: Is Freedom Blue PPO a Medicare Supplement?

Blue Cross, Blue Care Network expand service areas, add plan options

If you enjoy the content on the Crain’s Detroit Business Web site and want to see more, try 8 issues of our print edition risk-free. If you wish to continue, you will receive 44 more issues (for a total of 52 in all), including the annual Book of Lists for just $59. That’s over 55% off the cover price. If you decide Crain’s is not for you, just write “Cancel” on the invoice, return it and owe nothing. The 8 issues are yours to keep with no further obligation to us. Sign up below.
Source: crainsdetroit.com

Anthem Blue Cross of California Medicare Supplement

Anthem Blue Cross of California has a been a dominant fixture in the California health insurance market for decades now and their participation in the California Medigap market is no exception. One of the key concerns when shopping for Medicare supplement plans is a carrier’s strength and stability in the market since the purchase can echo decades into the future. Anthem Blue Cross definitely looks good in this light since they are one of the original providers of Medigap plans and can be considered as a leader in the market. Let’s dig a little deeper into their participation, pricing, and plan design in the California market. In most states, Blue Cross and Blue Shield are the same company. California, as always, is very unique in that the two are separate companies for the individual, family, small group, and Senior medigap markets. They each offer their own plans and options for supplements. Once that’s cleared, let’s look at Blue Cross of California which is part of the Anthem nationwide company. Anthem Blue Cross is one of the first companies in California to offer Medicare supplement plans to the Senior market which makes sense in that Medigap plans are the senior equivalent to PPO plans and Cross has a strong presence in the PPO marketplace among all segments of health insurance. The alternative to PPO’s would be HMO and the alternative to Medigap plans (used interchangeably with Medicare supplement) would be Advantage plans which are the new derivatives of old senior HMO’s from a decade ago. Let’s get back to California Medicare supplement plans. Blue Cross of California has offered many of the available standardized plans allowed by Medicare. They were even one of the first to offer a high deductible F plan under the branding of Smart Choice which is still around. Currently (1/1/2012), Anthem Blue Cross of California offers the F high deductible, N, A, G, and Standard F Medicare supplement plans. This offering may change over the course of time as it does with all carriers although the A, F, and F high deductible are standards for Anthem Blue Cross California Medigap. As with most carriers across the country, the F plan (not high deductible option) continues to be the most popular California Medigap plan and for good reason since it covers all major gaps of traditional Medicare and at a good premium to benefit comparison. The key comparison is with the F high deductible option in our view since this plan still covers all the important holes in original Medicare but uses a deductible to reduce the premium. How do you go about comparing the two plans? First, take the monthly premium difference over a year’s time. We can run those quotes for you. Next, compare this annualized premium difference against the potential deductible amount you would pay under the California F high deductible plan. That gives you a baseline. If you do not have sizeable medical expenses now (outside of medication), the savings in premium looks pretty attractive. Keep in mind that your decision will likely travel with you for a long time especially if health changes so it’s best to assume worst case (you reach full deductible) to know what the potential risk is for a bad year. You now have the best case of the California high deductible F plan (full savings on the premium side) and the worst case (meet full deductible minus the premium savings). This gives you the the opposite extremes and you can expect many years to be in between depending on your health status. Now, it’s a question of your risk comfort level. Also, if you have large health issues, the California high deductible F plan will probably not be the right choice. Either way, Anthem Blue Cross of California offers both Medigap options and we feel comfortable with them as a strong carrier in the senior California medigap market for years to come.

On The Net Neighborhood Of Medicare Supplement Plans Texas For Know About Rewards Of Health Plan Along Safety Options

Posted by:  :  Category: Medicare

Insurance coverage schemes and further advantages of schemes are topic to adjust based mostly upon the country and corporation. It was critical to compare every single and each and every scheme before taking any kind of insurance plan like health, automobile, property and lifestyle. Methods to figure out ideal scheme was briefed in on the web web page with illustrations and on-line videos. Well being problems, accidents, disasters may possibly come up with no any indications to monitor the lifestyle with financial help, insurance coverage policy was valuable. Primarily based on desire of individuals, Texas Medigap ideas developers give assistance and sufficient data of certain policy. Following particular age absolutely everyone suffers lot of troubles resulting from pressure, function stress and living environment. In an effort to overcome complications caused by over components folks ought to pay specific health care quantity but if they consider proper insurance coverage it helps to keep absolutely free from economic disaster. Overall details about Medicare Supplement Texas discussed by health researchers supports to clarify the well being challenges along methods to avail the insurance at correct period. Coinsurance insurance policies give large amount of positive aspects with savings to customer. By mentioning the name, deal with, message and wellness difficulties one can talk the well being supporters belong to Medigap health supplement group. Prescription medicine brochures translated by authors in many languages also in one appear readers get unique interest on topics coated under Medicare health supplement Texas. By creating chart or table with columns like Medicare components, extra charges and deductible array on can fully grasp the benefits of this plan. Aside from United states, persons from global countries also prefer Medicare supplement because of its supports and simplicity. Reaction of customer executives plays a vital role for enlarging customer support. Rankings provided by individuals about Medigap plans tends to make uncomplicated to know the advantages and make use of during crisis period. Tips offered by specialists are supportive to satisfy associates at shorter span and take care of from well being concerns.
Source: wordpress.com

Video: Medicare Supplements in Texas: What to Look For When Choosing a Plan

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

Lifeline Direct Insurance Introduces Texas Medicare Supplement Insurance : e Yugoslavia

Something for you to do prior to buying a supplement insurance policy is to obtain quotes from providers, since it will end up saving you big money in the end. Evaluate these quotes from diverse supplement insurance agencies to see precisely what is available.
Source: eyugoslavia.com

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

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

Former Texas insurance salesman must pay $9.3M for health care fraud

He pleaded guilty to one count of embezzling from an employee benefit plan and one count of health care fraud. Hague-Rogers made unauthorized loans against employee-sponsored health plans, transferred funds among accounts and used money for personal expenses.
Source: medicarebyphone.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

Mutual of Omaha Announces Changes to Medicare Supplement Plan N Underwriting

Mutual of Omaha has announced underwriting changes to their Plan N Medicare Supplements.  This will affect all Mutual of Omaha companies including United World and United of Omaha.  Exceptions will include New York, where health questions may not be asked (per state regulations) and in open enrollment or other guarantee issue situations where health questions normally do not apply.
Source: wordpress.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

Cosmetic Surgery In Los Angeles

Because the proverb goes as health is prosperity is extremely accurate mainly because devoid of correct health one can under no circumstances focus in anything and he can under no circumstances get or make any efforts to enhance his well being simply because that effort will grow to be a failure, so it is constantly incredibly essential to preserve one’s health then only earn money. To maintain your wellness great, the Texas Medicare Supplements gives you with awesome plans not simply for your self, but for the whole loved ones using a lot of supplements provided for each strategy, another ideas may consider quite a bit of funds from you and provides only again just a small quantity once you are in the require of it, so it is constantly critical to become very careful though choosing this program and do a good deal of examine or inquire several people today with regards to these plans and this is what will present you a clear notion about it and can keep away from the confusion on it. The family ideas have to be incredibly meticulously selected simply because these ideas can play a trick on you effortlessly since if these are not read correctly with regards to the conditions and circumstances will a consider the high quality money for the whole family members and will return the amount only for your one person when we are within the will need. But the Texas Medicare Supplements will by no means do this kind of dishonest perform around the ideas as they may be crystal distinct and will not urge us to hitch within the strategy and will give a good deal of time for us to decide on it then take up the plan. The principle benefit in the Texas Medicare Supplements is the fact that the family plans which they have are seriously amazing and wonderful and there will be no need to have any fear in it and we are able to get started to pay the high quality happily to guard our health.
Source: multiply.com

Finding Texas Medicare Supplement

Having Medicare is a great convenience for elderly and disabled individuals to get coverage for hospital and medical services. It is very important that these demographics have the best possible service to address their health requirements to ensure high quality of life. However, Medicare can only do so much on its own and so if you are concerned about the added expenses that the policy will not be able to cover, there is Texas medicare supplement. This is simply an insurance policy that can fill the gaps or the areas that the Medicare cannot cover. As such, it is very important to have Texas medicare supplement in order to effectively cover the necessary financial responsibilities and services that your regular Medicare could not handle for you.
Source: quotes-center.com