Palmetto GBA awarded specialty Medicare contract

Posted by:  :  Category: Medicare

Palmetto GBA (www.PalmettoGBA.com), a wholly owned subsidiary of BlueCross BlueShield of South Carolina, is a leading provider of technical and administrative services for the federal government. Its principal business is providing administrative services for the Medicare program. The company has offices in South Carolina, Georgia, Ohio and Illinois. Palmetto GBA and BlueCross BlueShield of South Carolina are independent licensees of the Blue Cross and Blue Shield Association.
Source: greenvilleonline.com

Video: Humana Made Medicare Easy

An explanation of Medicare

Part D is coverage for prescription drugs, and like Part C, the program is administered by private insurance companies. Part D plans have their own list of covered medicines, with a tiered pricing system. This means that some drugs, such as generics, may be in the lowest tier and have the lowest copayment. Drugs in the highest tiers would have the highest copayment. If you sign up for a Part D plan when you are first eligible you avoid paying a penalty. A penalty would be assessed if you don’t join when you were first eligible and you don’t have other drug coverage or don’t receive “Extra Help”. Beneficiaries with limited income and assets may qualify for “Extra Help” to help pay for prescription drugs. This program is administered through the Social Security program and Medicare. For more information, please visit www.SSA.gov/prescriptionhelp/.
Source: utu.org

Medicare issuing 2011 PQRS, eRx bonuses with “L” on RAs

For that reason, carrier accounting systems may place a negative sign before the dollar amount of a levy on a remittance notice. However, “in the case of PQRS and eRx incentive payments, the LE indicator represents an incentive payment and although the negative sign may appear on the remittance advice, the amount indicated does not represent a withhold or overpayment amount,” the Palmetto website continued. Both Medicare electronic and paper remittance advice provide additional coding to help practitioners identify PQRS and eRX incentive payments, the carrier noted.
Source: newsfromaoa.org

Palmetto GBA: Erroneous Partial Episode Payment Adjustments on Certain Home Health Dual

If the state requesting a demand bill for the services within the original Medicare 60-day episode requires a new OASIS assessment, you should submit a RAP and submit the claim with condition code 20 as you would for any other demand bill situation. When Medicare receives the RAP for the demand billed episode it will cause a PEP adjustment to apply to the prior episode. If the final claim for the demand billed episode is later reviewed and found to be entirely non-covered, Medicare systems will automatically adjust the prior episode to restore the appropriate full episode payment.
Source: hcafnews.com

Palmetto GBA Releases First Issue of Monthly Medicare Advisory

Palmetto GBA has released the first issue of the Medicare Advisory, which is is published monthly and applies to Jurisdiction 11 Home Health and Hospice (J11 HHH).  Medicare home health and hospice providers are encouraged to review each issue of the Medicare Advisory to keep current about Medicare coverage and policy updates. The Medicare Advisory will also include information about upcoming education events and articles from various Palmetto GBA departments to assist providers when filing Medicare claims, updating their enrollment status or answering Medicare reimbursement or payment questions.
Source: hcafnews.com

Compliance: 88305: Is 4 the New Prostate Biopsy Maximum for Medicare?

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Source: inhealthcare.com

Palmetto, Medicare’s Biggest Carrier, Proposes to End Code Stacking for Molecular Clinical Laboratory Tests

Palmetto GBA is a Medicare Authorized Contractor (MAC) that serves Jurisdiction 1 (J1) and Jurisdiction 11 (J11). Two draft proposed local coverage determinations (one on molecular diagnostic tests (MDTs) and one on lab-developed tests (LDTs), and a molecular diagnostics pPalmetto GBA is a Medicare Authorized Contractor (MAC) that serves Jurisdiction 1 (J1) and Jurisdiction 11 (J11). Two draft proposed local coverage determinations (one on molecular diagnostic tests (MDTs) and one on lab-developed tests (LDTs), and a molecular diagnostics program (MolDx) have been proposed only for J1. If implemented, they would affect labs serving Medicare patients in California, Nevada, and Hawaii.
Source: darkdaily.com

Is reimbursement for interpretation of prostate biopsies about to be slashed?

When this January 2012 NCCI update appeared, there was no contemporaneous publication by CMS or any of the Medicare contractors confirming its general adoption by the Medicare program. Moreover, there has been confusion as to whether NCCI intended the G codes to be utilized only where the biopsies were collected from a saturation biopsy technique, or regardless of the collection methodology. NCCI’s medical director has informed some private sources that the G codes should be used any time there are five or more prostate biopsy specimens, regardless of collection methodology. The August 7, 2012 Palmetto GBA policy adopts the NCCI update, explaining that the number of prostate biopsy specimens (regardless of collection technique) that can be reported with CPT Code 88305 is limited to four units per case, and the evaluation of five or more prostate biopsies must be reported using the G codes.
Source: pathologyblawg.com

Medicare Compliance Review of West Florida Hospital in Pensacola

I do believe medicare/government is acting very unfairly to HHA in south florida. I am a United States Veteran of IOF 5. Money i saved for over 15 month plus my wife income here in the stated were put toward building our first business a HHA. After finally getting our NPI # we went and did individual marketing we finally strike a great company in Hiealeah FL which provided us we approximately 100 patients over a 1 year time period. To make the story short a physician was letting his PA sign for some of the referrals which he later said wasnt true after getting interviewed by the FBI. In the middle is our HHA we received a revokation letter for fraud, we had only been open for less than a year.. Medicare said we had billed over 2.8 millions which is impossible for 100 patient in less then a year based on our billing codes. beside our billing services were provided by one of the top billing candidate in miami. This is a nightmare, i havent been able to sleep propertly ever since, we rece
Source: thehealthlawfirm.com

CMS Selects Palmetto GBA to Administer Medicare Claims in 3 States, 3 U.S. Territories

CMS is in the process of selecting 15 MACs to process claims for both Parts A and B of Medicare. The MACs will replace fiscal intermediaries, which currently process Part A claims, and carriers, which currently process Part B claims. Medicare Part A helps cover fees from hospitals, skilled nursing facilities and other institutional providers. Part B covers fees from physicians, laboratories and other practitioners. The Medicare Modernization Act of 2003 mandated creation of the MACs, which were established to increase efficiency and improve service by giving beneficiaries and providers a single point of contact for the Medicare program.
Source: swampfox.ws

Dr. Karen Schulte: What are EPO & PPO Health Plans?

Posted by:  :  Category: Medicare

Who is the engineer Tarek Rabaa? The political prisoner in Lebanon! by sherihaneIn November 2011, the District implemented Coordinated Health Care to help employees navigate through a complex medical system; therefore, eliminating redundant testing and services that cost you, the consumer, and the District more in claims.
Source: blogspot.com

Video: what is a limited indemnity plan?

Indemnity Plan’s Recovery Provision Does Not Bind Providers

Note: ERISA allows only equitable relief. Equitable relief includes specific performance, trusts and liens, restitutions, injunctions and declaratory relief. Examples of relief allowed in ERISA cases are orders to: (1) follow timeframes, procedures and coverage limitations as described in the plan document; (2) pay benefits due under the plan; (3) restore benefits the plan paid to beneficiaries who were covered by another insurer, among others. Punitive or compensatory (legal) remedies — including payments for lost time and pain and suffering — are often disqualified under ERISA.
Source: thompson.com

Hospital indemnity insurance scams

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

Cheap heath & life insurance plan

Low-risk indemnity plan is an ideal option for those who want a inexpensive wellness insurance policy. Indemnity plan requires you to pay coinsurance amounts and certain deductibles. With indemnity plan, it is possible to modify coinsurance amounts and deductible levels to fit your particular budget. Even though the coverage provided by the plan is of low quality, low-risk indemnity plan is found to be beneficial to budget minded customers.
Source: librarynotes.net

Comparing The Top Dental Plans For Seniors: Delta PPO, AARP Delta, Or Dental HMOs

The functioning of the dental insurance for seniors plans, is somewhat similar to that of a normal health insurance. By taking a proper dental insurance policy by paying the affordable monthly premium payments, you can avail dental care benefits such as taking X-rays, regular dental check-ups, getting your teeth cleaned and getting tips on dental health. Some dental insurance plans may require you to shell out much more amount, as compared to some other dental plans. These plans, however, might help you in case you undergo dental or oral surgery (like wisdom teeth removal) and dental implants and other cosmetic dental procedures. The Indemnity Plans, Direct Reimbursement Plans and Managed Care Plans are the three major types of dental plans for seniors. Now, let us know about the dental insurance plans for seniors. Read more on individual dental insurance.
Source: knoji.com

Difference Between Public Liability, Product Liability And Professional Indemnity Insurance

50 pieces thread for all sewing machines coats amp clark dual duty all purpose thread 400 yds black tear away machine embroidery stabilizer backing 100 precut shee tear away machine embroidery stabilizer backing 100 precut shee creative options thread organizer coats amp clark dual duty thread 400 yards white hm 24 assorted spools polyester sewing thread full size 200 yds gutermann invisible thread 250m 100 nylon clear 274 yds bykes 24 assorted spools of thread full size 200 yards each art bin super satchel box with removable thread trays extra strong amp upholstery thread 150yd black grandma s secret grandma s secret spot remover 2 ounces gs1001 coats amp clark extra strong jean thread 70 yds golden vilene water soluble embroidery stabilizer amp backing wash awa new threadsrus large black amp white spools of 3 ply polyester gutermann elastic thread white by the each janlynn value pack cotton embroidery floss accuquilt go baby fabric cutting dies small value die invisible nylon thread 500 yards clear new threadsrus 58 large spools of all purpose polyester sewing sew all thread 1000 m 1094 yds 20 nu white 100 spools embroidery machine thread bonded nylon sewing thread 1500 yard size t70 69 color black fo yli corporation wonder invisible thread size 004 1 500 yds clea 48 large spools embroidery machine thread omnigrid thread snips bendable bright light kit singer super strong polyester core thread 150 yards navy
Source: wordpress.com

Indemnity plans have a purpose

I was recently approached by a carrier to sell more of an indemnity product for them.  It made me think a little about how these limited benefit plans work and some of the misunderstandings with them.  These limited benefit plans (aka:indemnity, cash hospital, cash cancer, etc…) have the purpose of either supplementing high deductible plans or providing a low cost alternative to health insurance.  So first point that needs to be clear, these plans are not health insurance.  They pay a fixed benefit amount per incident, to help with the day to day costs. This is the primary negative of these plans.  If you have a major event, this plan might help, but you can not count on it covering the whole thing and you can be stuck with a hefty bill. There are several positives for these plans.  For starters they are typically limited in underwriting and sometimes even guarantee issued.  They can frequently be much less expensive than major medical.  If you do have a high deductible plan these can be a great way to supplement and assist as you pay your way to your deductible.  If you have minimal use and are a good shopper and negotiate your own rates than you can frequently minimize your costs with this kind of plan.  As with everything there are two side.  It is always important to understand your needs when considering any plan.  To learn more about indemnity or limited benefit plans in Texas please contact the Garsys Agency today at 866-432-4753.
Source: garsysagency.com

Medical Display Solutions: Health Insurance Supplement For the Emergency Room

Two main motives to purchase a ER supplement is to compliment an existing HDHP (high deductible health plan) or to be a personal injury insurance supplement. Health insurance agents in the United States have been packaging these accident only supplements with a HDHP catastrophic style health plan for a long time. A high deductible health plan (HDHP) is exposed to any initial emergency room visit bill. Most catastrophic plans only pick up the hospital bill above and beyond the deductible. Some PPO (preferred provider organization) annual deductibles are $5,000 or $10,000. So the PPO plan really doesn’t help out with the first $5K or $10K unless you purchased an additional “emergency room rider” to cover that initial ER admittance bill. The typical complaint people have with high deductible plans is “my policy doesn’t pay anything.” This concern is from people having to pay the huge deductible out of pocket first before the major medical plan will pay anything.
Source: blogspot.com

Pa. Legislature’s health plans could save millions

The popularity of indemnity plans declined dramatically in the 1990s, as businesses converted to managed-care plans with cost-saving features, such as provider networks, pre-certifications and referrals. Only 5 percent of active state employees in the U.S. were enrolled in indemnity plans as of 2009, according to the National Conference of State Legislatures.
Source: goerie.com

Altius Health Plans Altius Advantra Medicare Review

Posted by:  :  Category: Medicare

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

Video: Ultra Support Back Brace – Covered by Medicare

Do You Have An Advantra Freedom Medicare Plan??

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

Advantra Medicare Advantage Changes

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

Medicare Advantage Plans and PFFS Plans

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Source: merchantcircle.com

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

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

insurance: MEDICARE ADVANTAGE/MEDICARE HEALTH PLANS

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

Pennsylvania Health Insurance

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

Kathie Bracy’s Blog: STRS forcing us out of traditional Medicare? …let’s see what happened when West Virginia retired teachers were forced out of traditional Medicare!

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

Senior Care in Chandler, AZ: Open Enrollment for Medicare –Now through Dec 7, 2012

Posted by:  :  Category: Medicare

AZ: Richard Carmona v. Jeff Flake on Social Security and Medicare by IBEW_IOWould 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: homecarearizona.org

Video: Getting medicare for low prices

Helping Medicare Insure Phoenix AZ Seniors

There are supplements that will help medicare insure phoenix az senior citizens. Many insurance companies realize what a great opportunity this is and offer attractive packages to improve coverage. There is a specific product tailored to cover the differences in what medicare covers called medigap coverage. There are even rules that determine the coordination of benefits. This decides who pays first for healthcare resources and check ups. As the population gets older, they often need more services and better coverage. This is also a function of the healthcare industry that is creating a healthier population that lives longer. However, as people get older they often need more attention as more problems have the chance to affect health.
Source: mashave.com

Why You Should Select an AARP Medicare Plans Phoenix AZ

The aarp medicare plans phoenix az is an HMO plan, and like any HMO plan it comes with some restrictions. The main thrust of these restrictions is you have to use in-network providers and facilities. This should not create a problem for you because of the vast network of providers in-network. In fact, your current provider could be a participating provider already with the aarp medicare plans phoenix az network, so you would not even have to switch. With that said, there is an upside to having an HMO plan because your in-network doctors office visit are relatively less than other plans on the market, and the same can be said for urgent care services and other services as well.
Source: sweetheartsilver.com

Choosing Medicare Supplemental Coverage Phoenix AZ Seniors Trust

The medicare supplemental coverage phoenix az residents need can be very helpful. It is important to remember that Medicare does not cover every medical expense. Only about 80% of doctor bills are paid by the government. This is why having supplemental coverage is such a big deal. It will cover the gaps that could end up being a financial burden to those who could afford it the least. Staying healthy is an essential part of getting older and so is medical care.
Source: parksidevillassunnyvale.com

Medicare Supplemental Coverage Phoenix AZ

You are not required to have Medigap. You can choose to just have the Original Medicare along with your Medicare Part D prescription drug plan. It should be noted that Medicare Part D comes with the free prescription drug card or you can choose Premium and the copay will be determined based on your zip code. The cost for the Premium Part D varies but averages around $60. If you want to stay with Original Medicare and just increase the prescription coverage, call the the number on the back of your prescription card and they can help you.
Source: oratoriosanpio.com

Medicare Targets Health Plans With Low Ratings

Medicare officials are encouraging 525,000 beneficiaries to switch out of these 26 Medicare Advantage and drug plans that have received low ratings for three consecutive years and enroll in better plans for next year. The poor performing plans will have this warning symbol next to their names on Medicare’s plan finder website to steer shoppers to other plans.
Source: kaiserhealthnews.org

BCBS, Priority Health rank highest in state for Medicaid, Medicare

Posted by:  :  Category: Medicare

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

Video: Excellus BCBS Medicare plan travels with you

BCBS Massachusetts Reduces 2013 Premiums for more than 165,000* Medicare Members

Blue Cross Blue Shield of Massachusetts (www.bluecrossma.com) is a community-focused, tax-paying, not-for-profit health plan headquartered in Boston. Celebrating our 75th anniversary in 2012, we are committed to working with others in a spirit of shared responsibility to make quality health care affordable. Consistent with our corporate promise to always put our 2.8 million members first, we are rated among the nation’s best health plans for member satisfaction and quality. Blue Cross Blue Shield of Massachusetts is a Medicare Advantage organization with a Medicare contract. The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the plan. Limitations, copayments, and restrictions may apply. Benefits, formulary, pharmacy network, premium and/or co-payments/co-insurance may change on January 1 of each year. You must continue to pay your Medicare Part B premium.
Source: lifehealth.com

Anthem Blue Cross Blue Shield Medicare Supplement Plans Are Affordable…

Based in beautiful Jackson Hole, Wyoming, we currently market health insurance in 18 different states from our website IndividualHealth.com. I have worked in the domestic and international markets for most of my adult life. Recently we launched a newly revamped website www.tetonmarketing.com which has a primary focus on music and Native American Flutes and hand crafted items made in Wyoming. Check it out! I want the Insurance Simplified Blog to be a place you can visit from time to time and read about real world issues that individuals and families face daily. Our parent website IndividualHealth.com we like to think of as a virtual brochure. But with the blog I want to talk about the topics behind the brochure. Also check out our blog www.JacksonHoleTim.com which is “All Things Wyoming, Everything Jackson Hole” . If you love the Yellowstone basin this is blog for you! Then when you are ready check out our new Social Network site Jacksonholetim.ning.com – this is a place you can connect with other who visit and live in Wyoming. And finally we have just launched another new blog. Jackson Hole Tim (www.jacksonholetim.com) is a new place to visit that talks about “All things Wyoming, Everything Jackson Hole”. I hope you find these blog helpful.
Source: wordpress.com

Florida Blue Is New Name for BCBS of Florida

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

Blue Medicare Advantage: Blue Cross Blue Shield of Illinois

In addition to your Part B premium, there are small copayments to receive care.  With copayments as low as $7 for Medicare covered primary care doctor’s office visits, $45 for Medicare covered specialist visits and $3  for generic prescription drugs, it’s easy to get the care you need when you need it. An Advantage plan includes all of your Part A and Part B Medicare benefits, prescription drug coverage and emergency care if needed for an additional $65 copayment. Coverage is convenient and hassle free, and with an extensive provider network, there are always quality doctors nearby, ready to help from a wide range of specialties.
Source: ssiinsure.com

[WATCH]: Excellus BCBS Medicare: Are my prescriptions covered?

Affordable Health Insurance Affordable Insurance Best Health Cat Channel Cheap Insurance Different Companies Find Quotes Free Health Insurance Free Quote Free Quotes Google Health Coverage Health Insurance Health Insurance Companies Health Insurance Plan Health Insurance Plans Health Insurance Policy Health Insurance Quote Health Insurance Quotes Health Insurance Rates Health Online Health Plan Health Plans Health Quote Health Quotes Health Sites Health Video Health Websites Individual Health Insurance Individual Insurance Insurance Insurance Companies Insurance Company Insurance Cost Insurance Deals Insurance Health Insurance Medical Insurance Online Insurance Plans Insurance Quote Insurance Quotes Medical Insurance Online Insurance Rel Nofollow Reputable Companies
Source: comparehealthinsurance-tips-plus.com

Blue Cross Blue Shield of Texas Medicare Supplement Plan

Medicare Supplement Insurance in Texas, like all other traditional forms of coverage does have rate increases and I dislike them as much as you do. BCBS seems to have some of the most stable rates in the industry, where some carriers have pounded the rates some 10 and 12% these guys have not exhibited that type of behavior. They actually experienced a rate decrease this last October which was a pleasant surprise to most seniors. Of course there is no way of knowing what may or may not happen from one year to the next so yes, they could raise rates soon, but so far so good.
Source: medicareinsurancetexas.com

Do I need Medicare if I have Federal Blue Cross Blue Shield?

as well as other insurance, Medicare would be your “primary payer,” which means it would pay its full benefit amount for any covered medical service; your other insurance would be the “secondary payer,” which would pay the costs that Medicare leaves unpaid (such as the 20 percent coinsurance amount for doctors’ and most other bills). Between the two kinds of coverage, you would have almost all of your medical bills paid. But it would cost you a $96.40 per month premium for Medicare Part B coverage, plus a yearly deductible of $135, in addition to whatever you must pay for your retiree BCBS insurance. So, you have to calculate whether the additional coverage you get with Medicare Part B is worth the added premiums.
Source: caring.com

Ask The Experts: Retirement

Q. My husband retired in CSRS at age 55. He will turn 62 in January and plans to collect his Social Security benefits then. He has BCBS federal basic family plan, which includes me. Is he required to accept Medicare Part A? If so, how does that affect my coverage? I am not collecting any retirement or Social Security benefits at this time, as I am just now 60.
Source: federaltimes.com

Med Care Navigators LLC online public notice

Posted by:  :  Category: Medicare

En Route by Just Us 3. Office location: Erie County. SSNY has been designated as agent upon whom process against it may be served. The Post Office address to which the SSNY shall mail a copy of any process against the LLC served upon him is United States Corporation Agents Inc, 7014 13Th Avenue, Suite 202, Brooklyn, NY 11228. Purpose of LLC: To engage in any lawful act or activity.
Source: legal-notice.org

Video: Med-Care Manufacturing

Excela says wellness programs benefits health and pocketbooks

Excela’s wellness program saved the hospital system nearly $1.1 million in insurance claims for its 5,000 employees in 2011, a 3.7-percent decrease over the previous year, said John Caverno, senior vice president and chief of human resources for Excela, which operates hospitals in Greensburg, Latrobe and Mt. Pleasant.
Source: triblive.com

Virtual health care: MedCARE House Calls is high

The company’s management team includes Dr. John Borders, chief medical officer; David Owen, president and CEO; Tim Evans, executive vice president/branding; Molly Burchett, National Director Market Development; Melanie Calitri, Lexington practice administrator;  Lorri Mills, community service advisor; Candy Le’Oso, vice president, medical operations; and Todd Layne, CAREWorks director.  Members of the governing board are still being identified.
Source: kyforward.com

HEALTH CARE HOSPITAL Medical Center Dr.Urgent Clinic GA.FL.AL.Cancer Ambulance Dialysis Treatment: MED CARE Health Care Clinic Moultrie Georgia, Med Care Urgent Medical Minor Emergency Moultrie Colquitt GA.

Pictures of Regional Medical Center Health Care Hospital Buildings in United States. Doctors, Nurses, Medical Office,Dentists,Chiropractic Centers,EMS,EMT,Ambulance. Emergency Medical Services, Fire Department Rescue Paramedics. Photo Images of Wound Clinics,Out Patient,Psychiatric Mental, After Hours,Cancer Centers,Georgia Florida and South East United States by John Pluta
Source: blogspot.com

Logo & business card design contest

We purchase medical receivables from doctors, pharmacies, and laboratories. We also find investors who provide the money to purchase the medical receivables. We are in essence a medical finance company.
Source: 99designs.com

MedCare Finance now has online chat to help with your Healthcare Finance needs

PRLog (Press Release) – Aug 17, 2011 – http://www.MedCareFinance.com has added online chat for medical providers with questions related to healthcare finance. www.MedCareFinance doesn’t farm this out to anyone, this is staffed by in house experts in the healthcare finance field. MedCare Finance is striving to be the your best partner for healthcare finance. MedCare Finance has solutions for all types of medical providers, if you take any type of insurance or lien based case we have solutions for you from personal injury, workers compensation, contested workers compensation, third party payors such as Medicare, Medicaid, Blue Cross, CIGNA, really any type of third party payor insurance is fine.  MedCare Finance values your AR, not your credit, so if you are looking to get out of debt, get free of bank financing, or if you are looking to roll out additional facilities it doesn’t matter to us. Take a look at our website at www.MedCareFinance.com and “chat” with us. MedCare Finance offers the fastest payment in the industry and is here to serve your needs. www.MedCareFinance.com info@MedCareFinance.com 702-764-9929 # # # MedCare Finance specializes in turning AR into cash, we offer a fast turnaround with custom solutions designed to fit your practice. We pay the highest rates and also pay the quickest, in as little as 2 days.
Source: prlog.org

ATM Space Available in Medcare Polyclinic , Beside HDFC ATM.

REMEMBER: – Deal locally and meet in-person with buyer/seller (in a public place and take a friend with you). – Never pay with Western Union or Moneygram. – Don’t accept cashier checks or money orders. – Sheryna.in is NOT involved in any transaction (payment services, shipping, guarantee transactions, etc), does NOT offer “buyer protection” and does NOT offer “seller certification”.
Source: sheryna.in

Medicare Locals are “vulnerable”

Posted by:  :  Category: Medicare

In the last 4 months my ML has been running core clinical services for patients, expanding Psychological Services, Promoting expanded Tele-health services to reduce Patient travel, attended numerous Community Meetings and Stakeholder engagement functions, and liaised extensively with key played including the Local Health and Hospital Services. This has been in addition to a mountain of paperwork, needs analysis, reporting demands from the Feds with extremely short time frames and meeting the need to Badge, Brand and promote themselves.
Source: com.au

Video: Medicare Levy Surcharge 2011/2012: nib Health Insurance Explained

Nothing found for 2012 11 26 The

beautifully landscaped ground floor garden apartments or upper floor apartments with large entertaining balconies. Kantarra, comprising 2 buildings, offers 1, 2 & 3 bedroom apartments all with spacious open plan design… Click to read more
Source: zincip.biz

The Disability Information and Resource Centre

Medicare benefits will not be paid for any dental services under the Medicare Chronic Disease Dental Scheme after December 1st 2012. Patients without a GP care plan in place before September 8th 2012 will not be able to access the Medicare Chronic Disease Dental Scheme before it closes on December 1st 2012.
Source: org.au

Help with Centrelink Online Services

Each person on your Medicare card who is aged 14 or older must register separately for australia.gov.au and link to Medicare Online Services. Parents or guardians can see information for dependants under the age of 14 who are listed on the same card, except Individual Healthcare Identifier details.
Source: com.au

Medicare Levy Low Income Thresholds 2011 Alan Lewis Accountants

$600 carer payment $900 $950 ATO BAS Bookkeeping/MYOB branding budget budget 2010 Business Management business plan business plans centrelink client retention concessional contributions customer service data matching debtors family tax benefit FTB household stimulus package insurance Jobs & Education Lifestyle marketing myob naming a business new company name one-off payment Online Services Planning & Growth Reminders Resources Service & Marketing Small Business SMSF Superannuation superannuation Taxation tax bonus tax deduction tax offset taxpayer alert tax return understanding benefits
Source: com.au

Psychiatrist Accused Of Taking Kickbacks; Filing 140,000 False Claims

Posted by:  :  Category: Medicare

Romney Ryan Plan for Medicare and SSI by DonkeyHoteyHow would you like to spend a weekend in paradise? Download the Tailgate Fan app and upload as many fan photos as possible each month for the chance at great monthly prizes like a $400 Amazon gift card and our grand prize, a trip to Hawaii during the Pro Football All Star Game that includes a $500 Ticketmaster Gift Card!
Source: cbslocal.com

Video: Helping Seniors With Medicare Problems

Medicare Premium Changes Announced for 2013

Earlier this year CMS projected that the standard premium for Medicare Part B (which covers certain doctors’ services, outpatient care, medical supplies, and preventive services) would rise by more than $9.00 a month in 2013. However, the good news is that the increase will be lower — $5.00 — bringing 2013 Part B premiums to $104.90 a month. By law, the premium must cover a percent of Medicare’s expenses; premium increases are in line with projected cost increases. Medicare Part B premiums have gone up slowly over the past five years – an average of less than 2 percent a year, or $8.50 total.
Source: hcafnews.com

Medicare fees rise for 2013

After putting in some of my hard earned wages and our goverment “at work” borrowing it, Social Security should not be cut. Our president and congress continue getting their same salary for life while some of us are barely keeping our heads above water. These politicians should only be paid when they are in office and limited to the time they are working for us. They miss votes, get paid for public appearances, write books, campaign, travel all over, appear on TV shows and we are paying those costs plus their salary. Even with my 401K, it is a struggle. I was a casualty of the crash. Too young to afford to retire and too old to find another job in a difficult market. I had to go on Social Security as soon as I was eligible. My $950 a month doesn’t cover my expenses but I can’t do without it. Gas, groceries, taxes, have all gone up but my benefit keeps shrinking. Being a woman and being paid less than my male counterparts hurts me more now than it did when I was working. Change was for the worst and I’m certainly not moving forward!
Source: bankrate.com

FR&R Healthcare Bulletin: Medicare Appeals: Threshold Amounts for 2013

On Friday, September 28, 2012, the Centers for Medicare & Medicaid Services (CMS) published in the Federal Register the threshold amounts for filing Medicare appeals for calendar year 2013.  Every year the amount in controversy (AIC) limit increases.  This year’s increase is effective for Administrative Law Judge (ALJ) hearings and Judicial Reviews filed after January 1, 2013. 
Source: frrcpas.com

Medicare and Medicaid Audits of Psychologists and Other Mental Health Professionals

Medicaid fraud is a serious crime and is vigorously investigated by the state MFCU, the Agency for Healthcare Administration (AHCA), the Zone Program Integrity Contractors (ZPICs), the FBI, the Office of Inspector General (OIG) of the U.S. Department of Health and Human Services (DHHS). Often other state and federal agencies, including the U.S. Postal Service (USPS), and other law enforcement agencies participate. Don’t wait until it’s too late. If you are concerned of any possible violations and would like a confidential consultation, contact a qualified health attorney familiar with medical billing and audits today.  Often Medicaid fraud criminal charges arise out of routine Medicaid audits, probe audits, or patient complaints.
Source: thehealthlawfirm.com

Startup Investors and the New Medicare Surtax

Since the surtax rate is substantial, many investors will be looking for opportunities to reduce either their net investment income or their MAGI.  Investors who own interests in profitable pass-through entities (limited liability companies, partnerships and S corporations) should carefully evaluate their level of personal involvement in business activities of the pass-through entity.  Passive investors may want to consider increasing their involvement in the management of the business activity if it would allow them to treat the investment as a “non-passive” activity.   Please note that this must be done with caution if the investor holds other passive activities that are generating losses.   Passive losses can only be offset against passive income activities (as opposed to active income like wages, and income from non-passive activities).  Changing the activity’s status to non-passive may prevent the opportunity to match otherwise deductible passive losses against passive income. The cost of losing the benefit of the passive activity loss in the current year could far outweigh the tax cost of the Medicare surtax.
Source: startuplawblog.com

Linda Joy Adams: Electronic filing simplifies review of Medicare payments

An informal news letter of all kinds of news and comments on the news. Specific intent is to ‘track’ mergers and acquisitions at the highest levels in our world and the impact these have on individual rights. This blog was started to aid me keep track for my personal benefit. It evolved into a shared content with anyone interested.
Source: blogspot.com

Doctors billing Medicare for patients’ unneeded, expensive tests

Posted by:  :  Category: Medicare

ROBERT L. HUFFSTUTTER'S HEALTHCARE PLAN FOR AMERICA by roberthuffstutter(NaturalNews) With all the outcry by politicians and the public over skyrocketing healthcare costs, maybe it’s time to take a look at how some doctors are running up patients’ bills for unneeded tests. A new study just published in Online First by Archives of Internal Medicine, a JAMA Network publication, concludes that diagnostic tests are frequently repeated on Medicare beneficiaries when there’s absolutely no compelling medical reason. It seems obvious the only other explanation is for physicians to make more money by billing Medicare numerous times for repeated tests for the same patients. H. Gilbert Welch, M.D., M.P.H., of Dartmouth College in Hanover, New Hampshire, and colleagues looked at patterns of repeat testing in a longitudinal study of Medicare beneficiaries. In all, they picked five percent of patients’ records at random from the 50 largest metropolitan statistical areas. “We examined repetitive testing for six commonly performed diagnostic tests in which repeat testing is not routinely anticipated. Although we expected a certain fraction of examinations to be repeated, we were struck by the magnitude of that fraction: one-third to one-half of these tests are repeated within a three-year period. This finding raises the question whether some physicians are routinely repeating diagnostic tests,” the authors noted in their paper. For example, among Medicare beneficiaries undergoing an echocardiography to examine their hearts, over half — 55 percent — had a second test within three years. Nearly half of imaging stress tests were also repeated in fewer than three years and so were about 50 percent of pulmonary function tests. About 46 percent of those having CT scans of the chest were repeated, 41 percent of bladder examinations by cystoscopy. About 35 percent of the beneficiaries were subjected to repeat upper endoscopies (exams of the digestive tract with a tube) within three years, too. So what’s so bad about this? Frequently repeating these high tech, expensive diagnosis tests in situations when there is no medical need, drives up Medicare costs (although, of course, it can put more money in the pockets of doctors.) But there’s also a health risk to patients subjected to over-done testing. “This has important implications not only for the capacity to serve new patients and the ability to contain costs but also for the health of the population,” the authors of the paper concluded. “Although the tests themselves pose little risk, repeat testing is a major risk factor for incidental detection and over-diagnosis.” That means people with no health problems can end up being subjected to anxiety over a diagnosis they should never have been given — to say nothing of potentially dangerous side effects from treatment for a “condition” that is harmless or non-existent. In an accompanying commentary, Jerome P. Kassirer, M.D., of Tufts University School of Medicine, Boston, and Arnold Milstein, M.D., M.P.H., of Stanford University School of Medicine stated: “After decades of attention to unsustainable growth in health spending and its degradation of worker wages, employer economic vitality, state educational funding and fiscal integrity, it is discouraging to contemplate the fresh evidence by Welch et al of our failure to curb waste of health care resources.” The new report is more evidence of a phenomenon Natural News has reported on in the past — doctors subjecting patients to inappropriate and downright unnecessary tests, apparently for money. For example, a study by University of California at San Francisco (UCSF) researchers found unneeded, expensive mammograms are being pushed on elderly women who are incapacitated from Alzheimer’s disease or other forms of dementia, especially if the women have savings or assets of $100,000 or more. Sources: http://archinte.jamanetwork.com/article.aspx?articleid=1392496 http://archinte.jamanetwork.com/article.aspx?articleid=1392495 http://www.naturalnews.com/028095_mammograms_Alzheimers.html
Source: naturalnews.com

Video: Destruction of US healthcare | Doctors quit Medicare | Failure of Obamacare | Dallas

Ryan

Analysis Finds Double Payments For Medicare, VA Plans

Posted by:  :  Category: Medicare

HERES YOUR TOP TEN by SS&SSMedpage Today: Taxpayers Paying Twice For VA, Medicare Plans The federal government, and by extension the taxpayer, pays “substantial and increasing” duplicate costs for healthcare among adults enrolled in both Medicare Advantage (MA) plans and the Veterans Administration (VA) health care program, a retrospective analysis determined. The estimated costs of federally funded care provided by the VA between 2004 and 2009 for individuals also covered by MA plans was $13 billion, according to Amal N. Trivedi, MD, of Providence VA Medical Center in Providence, R.I., and colleagues. And these annual costs having been increasing, rising from $1.3 billion in 2004 to a total of $3.2 billion 6 years later, the researchers reported online in the Journal of the American Medical Association (Walsh, 6/26).
Source: kaiserhealthnews.org

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

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

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

Blue in the Bluegrass: VA is Socialized Medicine; Medicare is Single

Socialized medicine is a system in which doctors and other health-care workers all work directly for the government. Instead of getting payments from an insurance company or a single-payer insurer like Medicare or the Canadian government, doctors and other health care workers get salaries from the government.  This is the Veterans Affairs health care system, which – ask any veteran – is stupendously awesome.
Source: blogspot.com

Private Medicare Advantage plans being paid for phantom care of VA patients

Results: Among individuals who were eligible to enroll in the VA and in an MA plan, the number of persons dually enrolled increased from 485 651 in 2004 to 924 792 in 2009. In 2009, 8.3% of the MA population was enrolled in the VA and 5.0% of MA beneficiaries were VA users. The estimated VA health care costs for MA enrollees totaled $13.0 billion over 6 years, increasing from $1.3 billion in 2004 to $3.2 billion in 2009. Among dual enrollees, 10% exclusively used the VA for outpatient and acute inpatient services, 35% exclusively used the MA plan, 50% used both the VA and MA, and 4% received no services during the calendar year. The VA financed 44% of all outpatient visits (n = 21 353 841), 15% of all acute medical and surgical admissions (n = 177 663), and 18% of all acute medical and surgical inpatient days (n = 1 106 284) for this dually enrolled population. In 2009, the VA billed private insurers $52.3 million to reimburse care provided to MA enrollees and collected $9.4 million (18% of the billed amount; 0.3% of the total cost of care).
Source: pnhp.org

Homelessness Resource Center

Conclusions: Greateruse of primary care and specialty care visits by disability-eligibleveterans is most likely related to greater health needs not captured bythe patient characteristics we employed and eligibility for VA care atno cost. Outpatient care patterns of disability-eligible veterans mayforeshadow care patterns of veterans returning from Afghanistan and Iraqwars, who are entering the system in growing numbers. This studyprovides an important baseline for future research assessingutilizations among returning veterans who use both VA and Medicaresystems. Establishing effective care coordination protocols between VAand Medicare providers can help ensure efficient use of taxpayerresources and high quality care for disabled veterans. (Authors)
Source: samhsa.gov

Opinion: VA system inadequate to meet veterans’ health care needs

To address the growing health care needs of our veterans, communities across Colorado are starting to  pursue innovative solutions. The Department of Veterans Affairs has invested $580.2 million to build the new Denver VA Medical Center facility on the University of Colorado’s Anschutz Medical Campus.  The Mental Health Center of Denver and the VA have developed a new partnership to speed up the evaluation of post-combat veterans with possible Post-Traumatic Stress Disorder and Traumatic Brain Injury.   Pikes Peak Hospice & Palliative Care participates in We Honor Veterans, a pioneering campaign developed by National Hospice and Palliative Care Organization in collaboration with the Department of Veterans Affairs.
Source: healthpolicysolutions.org

Medicare payments to CAMC decreasing 

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Source: wvgazette.com