Closing The Medicare Part D Program Doughnut Hole: The End Is In Sight!

Posted by:  :  Category: Medicare

Medicare Part D Press Conference (44) by Korean Resource Center 민족학교There’s also some encouraging research confirming what a lot of us intuitively sense: that making prescription drugs more affordable saves money down the road by keeping people healthier. When people with diabetes get their insulin regularly, for example, they’re more likely to stay out of the hospital. Of course this is great for them; no one likes going to the hospital. But it’s good for all of us, because hospital care is expensive, and keeping people healthy and out of the hospital is one of the most obvious ways of bringing health care costs under control. Recently, the Congressional Budget Office – the green eyeshade folks who keep track of the cost of everything the government does – concluded that making prescription drugs in Medicare more affordable does, in fact, save some money later on by reducing things like hospital admissions. As a result, filling in the doughnut hole is going to cost about 40 percent less than was previously forecast. At a time of tight budgets, that’s great news for all of us.
Source: smmirror.com

Video: Medicare Part D

Open Enrollment 2013: Medicare Part D Benefits Improve but Premiums an…

While Medicare Part D prescription drug plan premiums are generally expected to remain steady in 2013, this PPI Fact Sheet by Leigh Purvis and Lee Rucker finds that premiums for many popular plans will actually be considerably higher than they were in 2012. Many plans are also increasing cost-sharing and their reliance on utilization management tools for covered prescription drugs. Medicare beneficiaries should closely examine their 2013 prescription drug plan choices during open enrollment for Part D.
Source: aarp.org

Medicare Part D Premiums Holding Steady

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

Figuring out the Medicare Part D market

Over the years, the marketers of Part D plans have made them increasingly complex, adding tiers of varying prices and using “medication management” techniques, which can make patients and doctors jump through veritable hoops to get a prescription filled. The Medicare News Group
Source: marketwatch.com

Top Medicare Part D Plan Costs Spike in 2013

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

Why Medicare Part D Works [VIDEO]

The Catalyst provides news and commentary on access to life-saving treatments, America’s biopharma industry and researchers’ progress in developing new medicines. The Catalyst is edited by Kaelan Hollon, communications director at PhRMA. Contributors include PhRMA staff and leaders from the industry.
Source: phrma.org

Medicare Part D: A First Look at Part D Plan Offerings in 2013

NOTE: Originally released in October 2012, this data spotlight was updated in November 2012 to reflect revised data from the Centers for Medicare and Medicaid Services. 
Source: kff.org

William Henning: Medicare cuts bad medicine for vulnerable California communities

Meanwhile, Part D has been a singular fiscal success, posting what is nothing short of an astonishing record for a federal program. The Washington-based think tank Heritage Foundation found that Part D’s cost growth has come in 41.8 percent below its original cost estimate — a total savings projected at $264.6 billion for taxpayers. Additionally, according to the Journal of the American Medical Association, improved access and adherence to medicines through Part D saves Medicare about $1,200 per year in hospital, nursing home and other costs for each senior who previously lacked comprehensive drug coverage — a $12 billion-per-year savings for Medicare.
Source: santacruzsentinel.com

Choosing a Medicare Part D Prescription Plan

People with arthritis are typically prescribed medications to control symptoms and progression of the disease. For arthritis patients who have qualified for Medicare benefits, there are Medicare Part D prescription plans available. Open enrollment for Medicare plans started October 15, 2012 and ends on December 7, 2012. What does this mean for you? It’s time to review your options, even if you already have a Medicare Part D prescription plan. If you have started new drugs or stopped any that you were taking last year, or if your insurer changed their drug formulary list, you may no longer have the best Medicare Part D plan for you.
Source: about.com

Survey Finds Seniors Satisfied With Medicare Part D

Politico Pro: Survey: High Satisfaction With Medicare Part D The debate may be raging over Medicare in the race for the White House — but a new survey points out that one part of it, Medicare Part D, has both positive results and bipartisan support. And health experts from Third Way, the Galen Institute and the Healthcare Leadership Council say the program’s success means that during sequester negotiations lawmakers should keep their hands off the Medicare prescription drug benefit. David Kendall, senior fellow for health and fiscal policy at Third Way, said on a call with reporters that the Medicare prescription drug benefit was a key example of successful bipartisanship because it was “enacted by Republicans and perfected by Democrats” (Smith, 10/3).
Source: kaiserhealthnews.org

Medicare Part D Spending: Key Drivers of Reduced Drug Benefit Costs

An expert on Medicaid, Medicare, and health reform, Kip Piper, MA, FACHE, is a consultant, speaker, and author. Kip Piper advises health plans, hospitals and health systems, states, and pharma, biotech, medical device, HIT, and investment firms. With 30 years’ experience, Kip is a senior consultant with Sellers Dorsey, top specialists in Medicaid and health reform. He is also a senior advisor with Fleishman-Hillard and TogoRun. For more, visit KipPiper.com. Follow on Twitter @KipPiper, Google +, Facebook and connect on LinkedIn.
Source: piperreport.com

Medicare Part D: It Pays to Shop Around

Politicians often tout the value of the free market, arguing that more choice results in a better deal for consumers. In the case of Medicare Part D coverage, the array of choices don’t always translate into better decision-making and more savings. Perhaps there are too many choices. Plans change from year to year, a drug that may have a high co-pay on one plan may have a tiny co-pay on another. A drug that was covered by a particular plan one year may be dropped from coverage the next.  The researchers conclude that “beneficiaries need more targeted assistance from the government to help them choose plans, such as customized communications about the most cost-effective plans that would cover their medication needs.”
Source: lexisnexis.com

Daily Kos: Republican U.S. senator: Cut Medicare … or we’ll shut down the government

Posted by:  :  Category: Medicare

Medicare by SistakRepublicans approve of the American farmer, but they are willing to help him go broke. They stand four-square for the American home–but not for housing. They are strong for labor–but they are stronger for restricting labor’s rights. They favor minimum wage–the smaller the minimum wage the better. They endorse educational opportunity for all–but they won’t spend money for teachers or for schools. They think modern medical care and hospitals are fine–for people who can afford them. They consider electrical power a great blessing–but only when the private power companies get their rake-off. They think American standard of living is a fine thing–so long as it doesn’t spread to all the people. And they admire of Government of the United States so much that they would like to buy it. 65 years later and nothing changed. They just got worse.
Source: dailykos.com

Video: How to Understand Medicare Plans

Liberalism: Does the fiscal

But Mr Chait goes on to make a different point: while it looks as though entitlement programmes are nearly impossible to cut, just about everything else the government does is much more vulnerable. Everything from food inspections to foreign aid to environmental regulation to legal defence for the indigent to scientific research to the national parks to education to road, rail and air infrastructure to…pretty much everything. These programmes are diverse and often have small constituencies. There is, basically, a lot of stuff that the government does. And when you ask the public, you find that they want the government to do these things. But public attention is a very limited commodity; it’s impossible to actually marshal public attention to each of the individual programmes that get cut when “government” gets cut. What’s happened over the past 30 years, and in an accelerated tempo over the past two years, is that everything the government does apart from wars and transferring money to old and poor people has gotten creamed. The savings are trivial in comparison with the overall long-term debt picture, which is almost entirely a function of Medicare and Medicaid spending. But the cuts have effectively curtailed the vision of liberals who want government to do things like invest in basic scientific research, improve infrastructure, kick-start green technology and support education. In that sense, it’s true, the ability of Republicans to block Democrats from expanding the tax base has been a conservative victory.
Source: economist.com

Cops: Fugitive behind $1 million Medicare fraud nabbed in Canada

I personally know of 9 cases here in just one small area of Michigan that total almost 2 million, one defendant sentenced to 10 years and others have fled the country. Does anyone else thinks it time to stop screaming about cuts, and see what it would actually cost if it was administered correctly. Here its mostly Pakistani, Indian, and African doctors that operate for about three to five years before being indighted and then flee before trial. (these are just what I have seen and not a judgement on other well meaning doctors) My mother, for example, has retired from two jobs and has health care coverage for the rest of her life. She is the kind of person that looks at the bill, even if it is not hers. She had a little bit of a health scare and had to go to the hospital. When it was all said and done she found 5 different times that a service was double billed, billed without it being performed, or billed incorrectly. Most of those losses would have been to medicare, because private insurance denies first and pays second.
Source: nbcnews.com

Congress passes on chance to fix Medicare doctor pay

4. My girlfriend is in med school and I can attest to how much work goes into it. Four years of med school, three years of residency (4 for surgery) and then 3-5 for a fellowship if the person so chooses to subspecialize. They take 3 board exams, 1 after 2nd year, 1 during 4th year and 1 during residency. They also recertify every 10 years for their specialty. However, their testing is no more comprehensive than a lawyers (believe me, I’ve watched and listened to my girlfriend study). They merely get tested on a set number of things for their boards that don’t encompass all of medicine for each exam. These are also only like 4 hour exams. To clue you into what a NY attorney must do I’ll explain: (1) We must take the MPRE which is an ethics exam which is 60 multiple choice questions (not really difficult but the questions are intentionally tricky and often not straight forward) within 3 years of taking the bar exam; (2) The bar exam consists of approximately 2 days made up of four three and a half hour parts (That’s 14 hours total). These parts are 50 multiple choice and 6 essays based on 27 different areas of NY State law. The second day is 200 multiple choice questions based on Federal and Common law. See, I had to memorize 3 entirely separate systems of law and be able to regurgitate that knowledge on command. Doctors do not do anything near that. My girlfriend (who is at the top of her class and has scored in the top 3% of the nation on her boards) has never written an essay. Doctor’s strictly memorize and get tested by answering multiple choice questions. There’s very little “analysis.” In fact, I’m often shocked by how little they teach doctors to analyze issues. They seldom teach doctors basic medical things, mostly concentrating on obscure diseases that one hundredth of one percent of people would ever get. In terms of training, yeah the residency is “training” just like when someone gets hired for a job, they get “on the job training.” In fact, after the 1 year internship, a doctor can open their own practice.
Source: nbcnews.com

Congressional Accord Preserves Medicare Doctor Pay

Politico Pro: Health Care Cuts Send Ripple Through The Industry The potential fiscal cliff deal … squeezes health savings from a variety of places. But spreading the pain around didn’t prevent complaints from rippling through the industry and Congress. Hospitals are protesting the loudest, since about half of the agreement’s $30 billion in health care cuts would fall on their backs — and most of that $30 billion would go to preventing doctor Medicare pay cuts from kicking in under SGR this month. But insurers and pharmacies are irked as well, since some of the savings would come from trimming payments to Medicare Advantage plans and reimbursements for diabetes tests (Cunningham, 1/1).
Source: kaiserhealthnews.org

7 Recent Medicare, Medicaid Issues

Here are seven issues dealing with Medicare or Medicaid that occurred in the past two weeks. 1. Both the House of Representatives and Senate have passed legislation — the American Taxpayer Relief Act of 2012 — which will temporarily avoid the long-discussed fiscal cliff of tax hikes and spending cuts. Yet again, the sustainable growth rate, which is the formula used to determine Medicare reimbursements to physicians, was temporarily delayed through 2013. However, the SGR fix and other healthcare extensions — which cost $30 billion — were paid for by several provisions that will siphon federal funds away from hospitals and health systems. 2. Colorado Gov. John Hickenlooper (D) announced his state would expand its Medicaid program to an estimated 161,000 more people. 3. CMS announced that 1,557 hospitals will receive higher Medicare payments for quality ratings as part of the Hospital Value-Based Purchasing Program under the Patient Protection and Affordable Care Act. 4. Florida Gov. Rick Scott and other Republicans agreed to require — pending federal approval — the state’s Medicaid recipients to enroll in managed care plans in hopes of keeping healthcare costs down and better coordinating medical services. 5. Since the Supreme Court’s ruling in June that Medicaid expansion is optional, hospitals in some states face dire financial situations, according to an article in the New England Journal of Medicine. 6. After serving in the role for 18 years under multiple presidents and parties, CMS Chief Actuary Rick Foster announced he will retire. 7. Contrary to popular belief, Medicare spending is not spiraling out of control, according to a column by Princeton economics professor Uwe E. Reinhardt.
Source: beckershospitalreview.com

Daily Kos: Ed Rendell: Obama “must deliver” on raising Medicare eligibility age & chained CPI

just the continuous claims I hear over and over again.  I can’t really give you an answer about why he does the things he does because I’m not sure either but even when he shows willingness to give Republicans what they want they still bitch and yell “No”.  In fact when I talk to people who are misinformed and yell, “both sides do it!  Obama is always fighting with Republicans” I always point out what he tries to do to get the other side on board.  After I explain that they go, “Oh, ok.  Some of those things he shouldn’t have agreed to but you’re right, he at least is trying to be the adult in the room and it is the Republicans who are the problem.”  I also hear this answer from moderate Republicans or moderates in general “I wish Bill Clinton was President again because he got shit done with the congress he had” but then I usually come back with, “That would be nice except that these Republicans are not the Republicans from the 90s and a lot of those racist tea baggers who represent racist voters would rather eat shit and die than be caught working with the black guy.”  They then respond, “Yeah, I guess you’re right.”
Source: dailykos.com

Colorado Will Expand Medicaid, Claims Cost Savings Are In Progress

Posted by:  :  Category: Medicare

Denver Post: Colorado Plans Medicaid Expansion, Claims Cost Savings In Process Colorado plans to expand Medicaid coverage next year to cover more than 160,000 additional low-income adults, aided by cost-control savings of more than $280 million over the next 10 years, Gov. John Hickenlooper announced Thursday. “This is a step toward what we have talked about for a couple of years: How can we make sure we’re making Colorado the single healthiest state in America?” Hickenlooper said. Through 2016, the federal government covers the entire cost of the expansion, which comes under provisions of the Affordable Care Act. The governor said he anticipates that even when federal funding for the expansion is reduced, “not one dollar of general-fund money will be used to replace it” (Simpson, 1/3).
Source: kaiserhealthnews.org

Video: Nursing Home Medicaid protects your assets from nursing homes

More Coloradans may be eligible for Medicaid under governor’s plan

“Reducing the number of uninsured not only means more Coloradans will lead healthier lives, but it also provides a boost for the state’s economy. Healthier workers and increased federal funding will bolster the economy,” the Colorado Center on Law and Policy said. “In addition, privately insured Coloradans could see an indirect benefit as insurance companies often defray the health costs for the uninsured by raising the insurance premiums paid by other Coloradans.”
Source: gazette.com

Colorado Governor Proposes Medicaid Expansion

KKTV firmly believes in freedom of speech for all and we are happy to provide this forum for the community to share opinions and facts. We ask that commenters keep it clean, keep it truthful, stay on topic and be responsible. Comments left here do not necessarily represent the viewpoint of KKTV 11 News.
Source: kktv.com

Colorado Medicaid Expansion: Remember that health coverage is not health care

[Austin] Frakt points to some studies finding that Medicaid makes a positive difference over being uninsured.[15] But the results would probably have been just as good or better if we spent the money giving free care to vulnerable populations. Moreover, even with their Medicaid cards, enrollees turn to emergency rooms for their care twice as often as the privately insured and the uninsured.[16]
Source: patientpowernow.org

Colorado Medical Provider Convicted of Medicaid Theft

* Occupational therapy, as defined by the Colorado legislature, is the therapeutic use of everyday life activities with individuals or groups for the purpose of participation in roles and situations in home, school, workplace, community and other settings, the Department of Regulatory Agencies stated. Occupational therapists work with clients who may be mentally, physically, developmentally or emotionally impaired and occupational therapists help those individuals to develop, recover or maintain daily living and work skills.
Source: blogspot.com

More Coloradans Could Be Eligible For Public Health Care Assistance

In Colorado, the number of people on Medicaid has grown by 57 percent over the past four years. Under the expansion of benefits announced by Hickenlooper on Thursday, an additional 160,000 would be eligible.
Source: cbslocal.com

What Is A Medicare Supplement

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSThere are ten different Medicare supplement plans.  Each one is given a different letter.  The letters skip a few here and there because plans that were once available have been retired and the labeled the new plans with the next letter in the alphabet so as not to create confusion for people who were grandfathered in on the old plans.  The plans themselves cover a varying number of combinations of the nine different coverage gaps that were left by the coverage you get with Medicare Part A and Medicare part B.  The Gaps include: the deductible, coinsurance, first three pints of blood and hospice care from Medicare Part A, The deductible and coinsurance for Medicare Part B, skilled nursing facility care, and expenses for foreign travel emergencies. Which plan you select dictates how many or what combination of these coverage gaps are covered.  Plan A covers only four of the gaps while Plan F covers all nine.
Source: seanbrock.com

Video: Affordable Medicare Supplement Insurance Plans & Health Benefits

AFLAC Medicare Supplement Insurance Plans Now Available for Sale in 27 States

All states except NY and FL are now available for recruiting. The final states recently added are WI, MN and MA. If you plan to recruit in these states make sure you are appointed. If you are not currently set up for any of these states and would like to be, please forward the State License you would like to be set up in and we will get you set up as quickly as possible.
Source: ihealthbrokers.com

Looking Into Different Aspects Of Medicare Supplemental Insurance

One issue that is near and dear to our hearts when considering health insurance is prescription drug coverage.  It is notable to understand that any Medicare Supplemental Policy you currently purchase will not come with prescription drug coverage.  This is something that needs to be purchased through separately and is referred to as Medicare Part D prescription drug coverage.
Source: seniorhealthdirect.com

15% Medicare Supplement Rate Increase is Outrageous!!! » Toni Says

Cindy, one Medicare rule that you should be aware of since you are not happy with your rate increase from your current Medicare Supplement company is…if you had a Medicare Supplement policy before you joined a Medicare Advantage Plan for the first time, and you aren’t happy with the Medicare Advantage Plan, you will have special rights to buy a Medicare Supplement policy if you return back to “Original Medicare” within 12 months of first joining a Medicare Advantage plan.  If you had a Medicare Supplement policy before you joined, you may be able to get the same plan back if the company still sells it.  If it isn’t available, you can buy another Medicare Supplement policy. (Please see page 66 of the
Source: tonisays.com

Medicare Supplemental Insurance Plans

These plans generally only cover medical fees and services that are covered under Medicare and are considered medically necessary. However, these policies do occasionally offer coverage outside of typical Medicare coverage such as emergency medical treatment while traveling thoughout of the county, which is an option that Medicare does not cover. Another great benefit of a Medicare supplemental insurance plan is that you are able to keep your own doctors and specialists without ever needing a referral.
Source: seniorcorps.org

Press release pedia :: Topic: The most suitable Medicare Supplemental Insurance (1/1)

Medigap 4 Seniors, December 24, 2012/ Press Release/- Are you having hard time evaluating which Medicare Supplemental Insurance Plan to enroll? Medigap 4 Seniors can assist you in every step of the way. They have Medicare insurance representatives who can guide you in your application and make you informed on every detail about your Medicare insurance plan. President of Medigap 4 Seniors said, “When time has come that you have to enroll in a Medigap plan, you are faced with a daunting task where to go and what to do. Take time to select the appropriate policy that fits you and at the same time works fine on your finances. Select from varieties of options that offer benefits that can cover most of your requirements. If you are requiring particular health care need, this could be a basis for choosing the plan. Review various Medicare Supplemental Insurance Plans options. These plans are standardized that mean, all companies are offering the same benefits. The next thing to consider is that companies offer these policies at different rates. When you don’t properly evaluate the lowest price, you could end up paying more for exactly the same benefits. But don’t be scared, we at Medigap 4 Seniors can help you compare plans in your state in order for you to arrive with the best decision” Medigap 4 Seniors serves all 50 states and is connected with various top insurance providers such as Assured Life, Sentinel Life, Forethought, United Healthcare, Woodmen of the world, Bluecross and BlueShield, Humana Insurance Company, and Mutual of Omaha. “You can save your money and significant time if you let Medigap 4 Seniors representatives help you with all your questions. We will assist you shop for the lowest Medicare Insurance Plans in your area without moving from your place. We can provide you with ready quotations of the plan you chose from various Medicare insurance providers. Application now is also easy. We accept electronic application over the phone where our certified insurance agent will assist you in completing your form. Now you can have peace of mind that you are getting the best plan for you and your loved ones.” Medigap 4 Seniors are offering 10 standardized plans including Plan A, B,C, D,F,G,K,L,M and N. Apart from Medigap plans, they can also assist you with other insurance policies such as Medicare Advantage and Medicare Part D Plans. About Medigap 4 Seniors: Medigap 4 Seniors has 30 years of experience in the insurance business. They are built with professional insurance expert who can guide you in choosing the right Medicare supplement plan or other Medicare health plans. They are also connected with outstanding insurance carriers including Mutual of Omaha, Blue Cross Blueshield, Gerber Life, Sentinel Life, United Healthcare and more. They can assist you in choosing the appropriate Medigap policy for you in your area. For a free quote or further information, please visit www.medigap4seniors.com/.
Source: pressreleasepedia.com

How To Know If You Need Medicare Supplemental Insurance

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

When Can I Get Out of My Medicare Advantage Plan?

First and foremost, you should apply for the supplement plan with either a February 1 or March 1 effective date. Approval on a Medigap policy can take 2-3 weeks to complete underwriting. So it is important to do this well in advance of when you want the plan to start. For example, if you want to make the changeover effective 2/1/13, apply early in January for the supplement (or even during the last couple weeks of December). Once your Medigap plan is approved, you can proceed with returning to Medicare with a Part D plan. The easiest way to do this is to call Medicare (1-800-MEDICARE) and select a Part D plan, while at the same time disenrolling from your Medicare Advantage plan. You cannot have both a Part D plan and a Medicare Advantage plan, so this changeover can be done within the same phone call. Make the changeover effective either 2/1/13 (if doing it in January) or 3/1/13 (if doing it between 2/1 and 2/14).
Source: medicare-supplement.us

Easy Method Of Transferring Music From Ipod To Com: Medicare Supplemental Insurance Texas

Medicare dietary supplement insurance is necessary for each and every person to possess irrespective with the age team primarily within a very populated state like Texas that is located within a created nation like the United states of The us. Today the amount of mysterious diseases are heading up, so are the quantity of incidents that take place each and every working day hence to cater to the many monetary wants, it really is important for one particular to undertake Medicare supplements insurance. medicare supplement insurance is getting top quality and have faith in with all the inception of firms like the Medigap Insurance coverage organizations. Absent would be the times when people today have been ignorant about the importance of Medicare dietary supplements insurance, now every person looks out for high-quality plans to undertake Medicare nutritional supplement insurance coverage insurance policies to come back to their rescue in case of emergency or disaster. Medigap is one of the most desirable suppliers in Texas that presents a wide array of Medicare supplemental insurance coverage plans. The Medicare supplemental insurance plans in the Texas based business is available for people of all age groups and all courses with the society. The Medigap insurance coverage business in Texas not merely offers magnificent Medicare dietary supplements insurance bit also gives an incredibly good quality buyer service because of its prospects all day long so as to assistance them make use of the healthcare ideas appropriately. The Medicare supplemental insurance ideas from the Medigap insurance business at Texas may also be offered at extremely minimal rates in order that it truly is produced economical for everyone. A single may even adhere to the site of the Medigap insurance coverage ideas as a way to understand regarding the Medicare dietary supplements insurance ideas which have been being provided by them and decide on a strategy based on their desires or wants. Healthcare insurance is created necessary in most of the nations throughout the entire world and especially within a state like Texas so it is actually at all times sensible to go for a business just like the Medigap insurance coverage business that offers plenty of excellent Medicare supplemental insurance coverage ideas at relatively minimal rates.
Source: blogspot.com

Comparing Medicare Supplemental Insurance Benefits

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSThese plans, called “Medigap” plans, each have different medical care coverage. Variable benefits of coverage to be considered are: • Coinsurance plus coverage that last 365 days after medicare benefits end (Medicare Part A) • Coinsurance/Copayment for medicare part B. • Pints of blood (transfusions, first three pints) • Hospice care copayments or coinsurance • Coinsurance for Skilled Nursing Facilities • Part A medicare deductible • Part B medicare deductible • Part B excess charges • Emergencies during foreign travel • Preventative care coinsurance, per Medicare Part B If any of these are important for you to have covered, comparing medicare supplemental plans that include benefits is the only way to ensure they are included.
Source: seniorcorps.org

Video: Medicare Supplement Plans (How to Find)

MedicareSupplementShop.com ? Compare Medicare Supplement Plans, Get Quotes!

There are many Prograde supplements exciting and useful factors to the website. Although searching at all of your Medicare Supplement Plans, you can simply compare various portions of the plan and realize the distinct charges and advantages at the exact same time. This comparing quotes page contains straightforward to adhere to actions and numerous valuable hints. The web page also has very easily laid out grids, so you can compare different plans side by side, without confusion or uncertainty about what your plan will have to offer you.
Source: pakchom.net

Do I Need A Medicare Supplemental Insurance Policy?

The cost of each plan will be based on the age, gender, overall health, and location of the individual to be insured. Anyone just turning 65 or going on Medicare Part B for the first time can enter into a plan during the Open Enrollment. Open enrollment means that for 6 months, individuals have the opportunity to enroll in a Medicare supplemental insurance plan without having to go through a health examination. Anyone with a serious health condition or lifestyle that normally would result in an increased premium for their health insurance, for example smokers, can enroll during this period and pay the exact same rates that any other insured individual would pay.
Source: skepticwiki.org

AFLAC Medicare Supplement Plans Now Released in Indiana

Please Note: Commission schedules for Indiana have changed from the original schedules.  Under the new commission schedules all premium is commissionable at the same commission level. There is no reduction in comp for G.I. business. There is no non-commissionable premium in Indiana. The Part B Deductible portion of the premiums is fully commissionable. The only exception is that the commission rate is applied to the original premium. No commission is payable on future rate increase premium.  No commission is payable on the policy fee.
Source: ihealthbrokers.com

15% Medicare Supplement Rate Increase is Outrageous!!! » Toni Says

Cindy, one Medicare rule that you should be aware of since you are not happy with your rate increase from your current Medicare Supplement company is…if you had a Medicare Supplement policy before you joined a Medicare Advantage Plan for the first time, and you aren’t happy with the Medicare Advantage Plan, you will have special rights to buy a Medicare Supplement policy if you return back to “Original Medicare” within 12 months of first joining a Medicare Advantage plan.  If you had a Medicare Supplement policy before you joined, you may be able to get the same plan back if the company still sells it.  If it isn’t available, you can buy another Medicare Supplement policy. (Please see page 66 of the
Source: tonisays.com

Superior Care Provided By Medicare Plans

For getting complete coverage for your health care expenses, you need to select most suitable Medicare plans. You need to Compare Medicare Advantage plans and Medicare Supplemental plans and then select the Best Medicare Advantage Health policies that are able to meet your varying health care or medicals needs. In order to get maximum benefits from Medicare plans, you have to take lot of care to choose most suitable one. Before selecting a plan, you have to analyze your health care needs and current health insurance. If you have a standalone prescription drug plan, then you don’t need to choose Medicare Part D plan. Overestimating the value of this will increase your overall cost. You have to choose plan that suitably fits your expectations, budget and lifestyle. Superior Care Provided By Medicare Plans
Source: blogspot.com

What is the Cadillac Medicare Advantage plan

A plan’s network of providers: People often think Medicare Advantage plans are only offered as part of healthcare management organizations (HMOs), but many are also preferred provider organizations (PPOs). With HMOs and PPOs, insurance companies typically have a list doctors, specialists and hospitals that are preferred so when you go to those providers, you presumably pay a lower price for care. Either that, or the insurer covers more of your out of pocket costs, or both. Your costs typically differ if you get “in network” care versus “out of network” care. You’re more likely to think of a plan that includes your doctors, specialists and hospitals at a lower price to be a Cadillac plan.
Source: ehealthinsurance.com

Compare Medicare Supplement Insurance Plans

This is the basic plan. Its coverage includes: Medicare Part A coinsurance, Medigap coverage for hospital benefits, Medicare B coinsurance, Medicare B copayments, first three pints of blood, Part A hospice care coinsurance or copayments, and Medicare preventive care Part B insurance. By law, all Medicare Supplement insurance carries must offer this plan.
Source: ihealthcoalition.org

Colonial Penn Medicare Supplement Insurance

• Long-term hospitalization. Medicare only covers a small portion if any of the cost for those people who need to be hospitalized. Colonial Life Medicare supplement insurance on the other hand, covers all or most of your hospitalization depending on the type of supplemental insurance you purchase. This is a huge benefit to most elderly people who simply do not have the income to pay those large hospital bills.
Source: lifeinsurancequotesnreviews.com

What Is A Medicare Supplement

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSThere are ten different Medicare supplement plans.  Each one is given a different letter.  The letters skip a few here and there because plans that were once available have been retired and the labeled the new plans with the next letter in the alphabet so as not to create confusion for people who were grandfathered in on the old plans.  The plans themselves cover a varying number of combinations of the nine different coverage gaps that were left by the coverage you get with Medicare Part A and Medicare part B.  The Gaps include: the deductible, coinsurance, first three pints of blood and hospice care from Medicare Part A, The deductible and coinsurance for Medicare Part B, skilled nursing facility care, and expenses for foreign travel emergencies. Which plan you select dictates how many or what combination of these coverage gaps are covered.  Plan A covers only four of the gaps while Plan F covers all nine.
Source: seanbrock.com

Video: Medicare Supplement Plans (How to Find)

Do I Need A Medicare Supplemental Insurance Policy?

The cost of each plan will be based on the age, gender, overall health, and location of the individual to be insured. Anyone just turning 65 or going on Medicare Part B for the first time can enter into a plan during the Open Enrollment. Open enrollment means that for 6 months, individuals have the opportunity to enroll in a Medicare supplemental insurance plan without having to go through a health examination. Anyone with a serious health condition or lifestyle that normally would result in an increased premium for their health insurance, for example smokers, can enroll during this period and pay the exact same rates that any other insured individual would pay.
Source: skepticwiki.org

Medicare Supplemental Insurance Comparison Website Adds 250,000 Insurance Companies to Their Database

The website “Medicare Supplemental Insurance Comparison” announced today that it has added over 250,000 insurance companies to their database. According to a website spokesperson this makes them one of the most thorough Medicare supplemental insurance comparison websites on the Internet today. The website can be found at http://medicaresupplementalinsurancecomparison.net/ The launch of the website came at the heels of an eagerly anticipated two-month walk up to launch date. As Medicare supplemental insurance comparison websites become more popular, a website which boasts one of the largest databases of reputable insurance companies was in high demand. “We knew that we had to provide our clients with something that they never have seen before,” said Kristin Humphreys, director of marketing. “In the past, when visiting these types of websites, visitors had to provide sensitive information such as their name or address. We knew that the latest in technology could do area specific searches with only a zip code. This not only protected the privacy of our clients but it also made our software about 50% faster than the most popular websites on the market. So far the reception for our new website has been overwhelmingly positive.” Indeed, the sheer demand for these types of websites has created a rush to implement the latest in technology and search software. With the addition of the 250,000 insurance companies to their database, Medicare Supplemental Insurance Comparison is expected to take the lead in the market. “Analysts project our website to be one of the most popular on the web as we enter the first quarter of 2013,” said Michael Montgomery, CEO of Medicare Supplemental Insurance Comparison. “The simple reason for this is because of the monetary and time investment we put into our search software and extensive database. Our clients are provided with side-by-side comparisons of all the most reputable Medicare supplemental insurance companies in their area, and they can source them without ever having to give over their personal information. This is a first in the industry, and it will soon become the standard.” To learn more about Medicare Supplemental Insurance Comparison, or to get a free anonymous side-by-side comparison of all the best Medicare supplemental insurance companies in a given area, please visit: http://medicaresupplementalinsurancecomparison.net/ About Medicaresupplementalinsurancecomparison.net Medicaresupplementalinsurancecomparison.net was created in September of 2012 to help shoppers get the best rates for Medicare supplemental insurance. The website utilizes the absolute latest in price quote technology, and has recently added 250,000 insurance comparison companies to their database.
Source: sbwire.com

Colonial Penn Medicare Supplement Insurance

• Long-term hospitalization. Medicare only covers a small portion if any of the cost for those people who need to be hospitalized. Colonial Life Medicare supplement insurance on the other hand, covers all or most of your hospitalization depending on the type of supplemental insurance you purchase. This is a huge benefit to most elderly people who simply do not have the income to pay those large hospital bills.
Source: lifeinsurancequotesnreviews.com

Navigating Through The Challenging Maze Of Medicare Supplemental Insurance Policies

Choosing a Medicare Supplemental Insurance plan is one of the many decisions that need to be made upon turning sixty-five or qualifying for Medicare.  The problem is that without ever having Medicare coverage before you probably are having a difficult time determining where the gap will be for your needs.  Medicare Part A and Part B cover only basic physician and hospital coverage.  The rest is up to you to obtain at a premium from individual insurance companies. The best option is to shop around and research the options available to you within Medicare Supplement Insurance plans.
Source: seniorhealthdirect.com

Press release pedia :: Topic: The most suitable Medicare Supplemental Insurance (1/1)

Medigap 4 Seniors, December 24, 2012/ Press Release/- Are you having hard time evaluating which Medicare Supplemental Insurance Plan to enroll? Medigap 4 Seniors can assist you in every step of the way. They have Medicare insurance representatives who can guide you in your application and make you informed on every detail about your Medicare insurance plan. President of Medigap 4 Seniors said, “When time has come that you have to enroll in a Medigap plan, you are faced with a daunting task where to go and what to do. Take time to select the appropriate policy that fits you and at the same time works fine on your finances. Select from varieties of options that offer benefits that can cover most of your requirements. If you are requiring particular health care need, this could be a basis for choosing the plan. Review various Medicare Supplemental Insurance Plans options. These plans are standardized that mean, all companies are offering the same benefits. The next thing to consider is that companies offer these policies at different rates. When you don’t properly evaluate the lowest price, you could end up paying more for exactly the same benefits. But don’t be scared, we at Medigap 4 Seniors can help you compare plans in your state in order for you to arrive with the best decision” Medigap 4 Seniors serves all 50 states and is connected with various top insurance providers such as Assured Life, Sentinel Life, Forethought, United Healthcare, Woodmen of the world, Bluecross and BlueShield, Humana Insurance Company, and Mutual of Omaha. “You can save your money and significant time if you let Medigap 4 Seniors representatives help you with all your questions. We will assist you shop for the lowest Medicare Insurance Plans in your area without moving from your place. We can provide you with ready quotations of the plan you chose from various Medicare insurance providers. Application now is also easy. We accept electronic application over the phone where our certified insurance agent will assist you in completing your form. Now you can have peace of mind that you are getting the best plan for you and your loved ones.” Medigap 4 Seniors are offering 10 standardized plans including Plan A, B,C, D,F,G,K,L,M and N. Apart from Medigap plans, they can also assist you with other insurance policies such as Medicare Advantage and Medicare Part D Plans. About Medigap 4 Seniors: Medigap 4 Seniors has 30 years of experience in the insurance business. They are built with professional insurance expert who can guide you in choosing the right Medicare supplement plan or other Medicare health plans. They are also connected with outstanding insurance carriers including Mutual of Omaha, Blue Cross Blueshield, Gerber Life, Sentinel Life, United Healthcare and more. They can assist you in choosing the appropriate Medigap policy for you in your area. For a free quote or further information, please visit www.medigap4seniors.com/.
Source: pressreleasepedia.com

Medicare Supplement Insurance › Medicare Supplement Insurance

So I decided to check into different types of Medicare insurance and how much they cost. I found that many insurance companies that offer regular insurance also offer the supplement plans. I also read testimonials from people who had Medicare supplement plans. Some people found them to help and others said they don’t help enough. After finding a plan that fit my budget I found that it did help cover some costs but there was still some left over that I still had to cover. I feel that some months when I have more bills the insurance is a lifesaver and other months when I don’t I feel as if I’m putting out more money than is necessary. I still have mixes emotions about the supplement plans and being that I have only invested in them for the past 3 years I will continue to purchase Medicare supplement insurance. The best advice I can give is to research the different plans, they are very similar but there is always the fine print that needs to be read and understood.
Source: savestvictors.org

How To Know If You Need Medicare Supplemental Insurance

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

Medicare Supplemental Insurance

We also offer a Plan F High Deductible Medicare Supplement Insurance plan* that is designed to save you money if you stay healthy and keeps the cost of insurance affordable. There is a one-time deduction that must be met each year with this plan. With a Medicare Supplement Insurance plan from Pekin Life Insurance Company you will also have access to discounts on eye exams, eyeglasses, contact lenses, LASIK correction surgery, hearing aids, hearing exams, and more at NO CHARGE.
Source: pekininsurance.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&SSBetween January 1–February 14, if you’re in a Medicare Advantage Plan, you can leave your plan and switch to Original Medicare. If you switch to Original Medicare during this period, you will have until February 14 to also join a Medicare Prescription Drug Plan to add drug coverage. Your coverage will begin the first day of the month after the plan gets your enrollment form.
Source: medicare.gov

Video: Compare 2013 Medicare Advantage Plans – Tips

Not Happy with Your Medicare Advantage Plan? Change it!

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

Wordfence has limited your access

Important note for site admins: If you are the administrator of this website note that your access has been limited because you broke one of the Wordfence firewall rules. The reason you access was limited is: “Manual permanent block by admin”. If this is a false positive, meaning that your access to your own site has been limited incorrectly, then you will need to regain access to your site, go to the Wordfence “options” page, go to the section for Firewall Rules and disable the rule that caused you to be blocked. For example, if you were blocked because it was detected that you are a fake Google crawler, then disable the rule that blocks fake google crawlers. Or if you were blocked because you were accessing your site too quickly, then increase the number of accesses allowed per minute. If you’re still having trouble, then simply disable the Wordfence firwall and you will still benefit from the other security features that Wordfence provides. You will find instructions below on how to regain access if you are a site administrator.
Source: katemessner.com

What is the Cadillac Medicare Advantage plan

A plan’s network of providers: People often think Medicare Advantage plans are only offered as part of healthcare management organizations (HMOs), but many are also preferred provider organizations (PPOs). With HMOs and PPOs, insurance companies typically have a list doctors, specialists and hospitals that are preferred so when you go to those providers, you presumably pay a lower price for care. Either that, or the insurer covers more of your out of pocket costs, or both. Your costs typically differ if you get “in network” care versus “out of network” care. You’re more likely to think of a plan that includes your doctors, specialists and hospitals at a lower price to be a Cadillac plan.
Source: ehealthinsurance.com

Superior Care Provided By Medicare Plans

For getting complete coverage for your health care expenses, you need to select most suitable Medicare plans. You need to Compare Medicare Advantage plans and Medicare Supplemental plans and then select the Best Medicare Advantage Health policies that are able to meet your varying health care or medicals needs. In order to get maximum benefits from Medicare plans, you have to take lot of care to choose most suitable one. Before selecting a plan, you have to analyze your health care needs and current health insurance. If you have a standalone prescription drug plan, then you don’t need to choose Medicare Part D plan. Overestimating the value of this will increase your overall cost. You have to choose plan that suitably fits your expectations, budget and lifestyle. Superior Care Provided By Medicare Plans
Source: blogspot.com

Medicare vs Medicare Advantage

For Part A and Part B of Medicare, members must pay 20% of costs out-of-pocket. For inpatient hospital visits, members must pay a $1,184 deductible for the first 60 days, and then $296 coinsurance per day until day 90. After day 90, members can have another 60 days at $578 per day in their lifetimes, after which they must pay all costs. The Part B deductible is $140 per year. Those who have Part D (prescription coverage) must also pay an average deductable of $325. After the deductible has been paid, members may either have a co-pay program, where they pay a flat fee for each drug, or co-insurance program, where they pay a percentage of the cost. However, members may face the “doughnut hole”: after the total cost of drugs exceeds $2,970, members must pay 47.5% of the cost of brand-name drugs and 79% of the cost of generic drugs. Once the cost of drugs has exceeded $4750, Medicare kicks in again, with 95% of drug costs covered.
Source: diffen.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

Medicare Advantage Plans Offer No Clinical Trial Coverage

The pur­pose of the National Cov­er­age Deter­mi­na­tion was to elim­i­nate the dis­crim­i­na­tion and penal­iza­tion of patients who were com­mit­ted to advanc­ing treat­ment against this for­mi­da­ble dis­ease. Yet, as a result of a loop­hole in the cur­rent law, Medicare Advan­tage Plan enrollees are los­ing treat­ment options by exclu­sion of par­tic­i­pa­tion in clin­i­cal tri­als because of finan­cial bur­den. Please join me in sup­port­ing this much needed change in leg­is­la­tion. Con­tact your state rep­re­sen­ta­tive to dis­cuss this impor­tant oncol­ogy issue, and ask them to advo­cate for and sup­port an amend­ment to the National Cov­er­age Deter­mi­na­tion to include cov­er­age of oncol­ogy clin­i­cal tri­als by Medicare Advan­tage Plans.
Source: onsconnect.org

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

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

Daily Kos: Republican U.S. senator: Cut Medicare … or we’ll shut down the government

Posted by:  :  Category: Medicare

The PARTY Is OVER ...item 4.. Today, Mitt Romney Lost the Election (Sep 17, 2012 6:02 PM ET) ...item 5.. James Brown - Get On The Good Foot, Soul Power, Make It Funky Soul Train 1973 ... by marsmet471Republicans approve of the American farmer, but they are willing to help him go broke. They stand four-square for the American home–but not for housing. They are strong for labor–but they are stronger for restricting labor’s rights. They favor minimum wage–the smaller the minimum wage the better. They endorse educational opportunity for all–but they won’t spend money for teachers or for schools. They think modern medical care and hospitals are fine–for people who can afford them. They consider electrical power a great blessing–but only when the private power companies get their rake-off. They think American standard of living is a fine thing–so long as it doesn’t spread to all the people. And they admire of Government of the United States so much that they would like to buy it. 65 years later and nothing changed. They just got worse.
Source: dailykos.com

Video: Medicare Part D

Rural Hospitals Get Relief In Fiscal Cliff Deal

While much of the hospital industry has lamented the deal reached between Congress and the White House because it will pay about half the $30 billion bill to avert a 27 percent Medicare fee cut for physicians, the agreement was cause for celebration for about 200 small, rural hospitals.  That’s because it also extended for one year a program that pays hospitals such as Jones Memorial up to several millions of dollars each year because they have fewer than 100 beds, are located in rural areas and treat a high proportion of Medicare patients. 
Source: kaiserhealthnews.org

Peter Orszag Chart Shows Medicare Costs Slowing

“Presumably, the weak state of the economy is a factor, but given the magnitude of the slowdown in national health spending and the timing of that slowdown, which seems to have started before the recession, we and most analysts think there are probably structural factors at work as well,” he said. Those structural factors could include slower growth of spending on prescription drugs, changes in the health care delivery and payment system, and higher out-of-pocket spending for consumers, according to Elmendorf.
Source: businessinsider.com

Liberalism: Does the fiscal

But Mr Chait goes on to make a different point: while it looks as though entitlement programmes are nearly impossible to cut, just about everything else the government does is much more vulnerable. Everything from food inspections to foreign aid to environmental regulation to legal defence for the indigent to scientific research to the national parks to education to road, rail and air infrastructure to…pretty much everything. These programmes are diverse and often have small constituencies. There is, basically, a lot of stuff that the government does. And when you ask the public, you find that they want the government to do these things. But public attention is a very limited commodity; it’s impossible to actually marshal public attention to each of the individual programmes that get cut when “government” gets cut. What’s happened over the past 30 years, and in an accelerated tempo over the past two years, is that everything the government does apart from wars and transferring money to old and poor people has gotten creamed. The savings are trivial in comparison with the overall long-term debt picture, which is almost entirely a function of Medicare and Medicaid spending. But the cuts have effectively curtailed the vision of liberals who want government to do things like invest in basic scientific research, improve infrastructure, kick-start green technology and support education. In that sense, it’s true, the ability of Republicans to block Democrats from expanding the tax base has been a conservative victory.
Source: economist.com

Not Happy with Your Medicare Advantage Plan? Change it!

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

Congress passes on chance to fix Medicare doctor pay

4. My girlfriend is in med school and I can attest to how much work goes into it. Four years of med school, three years of residency (4 for surgery) and then 3-5 for a fellowship if the person so chooses to subspecialize. They take 3 board exams, 1 after 2nd year, 1 during 4th year and 1 during residency. They also recertify every 10 years for their specialty. However, their testing is no more comprehensive than a lawyers (believe me, I’ve watched and listened to my girlfriend study). They merely get tested on a set number of things for their boards that don’t encompass all of medicine for each exam. These are also only like 4 hour exams. To clue you into what a NY attorney must do I’ll explain: (1) We must take the MPRE which is an ethics exam which is 60 multiple choice questions (not really difficult but the questions are intentionally tricky and often not straight forward) within 3 years of taking the bar exam; (2) The bar exam consists of approximately 2 days made up of four three and a half hour parts (That’s 14 hours total). These parts are 50 multiple choice and 6 essays based on 27 different areas of NY State law. The second day is 200 multiple choice questions based on Federal and Common law. See, I had to memorize 3 entirely separate systems of law and be able to regurgitate that knowledge on command. Doctors do not do anything near that. My girlfriend (who is at the top of her class and has scored in the top 3% of the nation on her boards) has never written an essay. Doctor’s strictly memorize and get tested by answering multiple choice questions. There’s very little “analysis.” In fact, I’m often shocked by how little they teach doctors to analyze issues. They seldom teach doctors basic medical things, mostly concentrating on obscure diseases that one hundredth of one percent of people would ever get. In terms of training, yeah the residency is “training” just like when someone gets hired for a job, they get “on the job training.” In fact, after the 1 year internship, a doctor can open their own practice.
Source: nbcnews.com

Daily Kos: Washington Makes It Clear: Medicare Will Now Be Targeted to Pay Down Deficit

The Huffington Post describes what’s coming next: “The fiscal cliff has not been averted. If anything, the U.S. faces an even more ominous deadline in a few months. The debt ceiling was hit as of New Year’s Eve. The U.S. Treasury will dip into its tool bag to keep the country’s borrowing ability going, but that will last only about two months. Also in early March, the sequestration — $110 billion in across-the-board spending cuts, half in defense and half in domestic programs — springs back, unless Congress finds a way to offset it with other spending cuts. Weeks later, the law that keeps the government funded expires. It all means that, in late February and early March, Congress will face a sequestration, a government default and a government shutdown. Republicans say they’ll use the leverage created by the debt ceiling to force Obama to accept spending cuts, particularly in entitlement programs. Obama resisted that notion on Dec. 31, saying he wants more tax increases and won’t accept Republican plans to “shove” spending cuts past him. “If they think that’s going to be the formula for how we solve this thing, then they’ve got another thing coming,” he said. However, once the fiscal cliff deal passed, the President’s message changed making it clear cuts to Medicare will be offered up to pay down the deficit: “I agree with Democrats and Republicans that the aging population and the rising cost of health care makes Medicare the biggest contributor to our deficit. I believe we’ve got to find ways to reform that program without hurting seniors who count on it to survive. And I believe that there’s further unnecessary spending in government that we can eliminate.” President Obama statement, January 1 There are ways to make Medicare more efficient and save money, in fact, many of those ideas were already implemented in the Affordable Care Act.  Going forward Congress should also consider allowing Medicare to negotiate with drug makers for lower prescription drug costs in Part D and allowing drug re-importation which would save billions in the Medicare program. Unfortunately, both of these common sense proposals are opposed by conservatives, many of the same fiscal hawks, who’d rather reduce spending by cutting benefits instead of curtailing the excessive payments to the highly profitable pharmaceutical industry.
Source: dailykos.com

How To Get Best Rates for Senior’s Insurance

Once you turn 65 years of age, you can consider yourself legible to register for Medicare. Medicare includes what is called Part A, which cover in-patient care, care in a hospital, hospice care and sometimes home care. Most folks pay this coverage via taxes, so they don’t shell out either a deductible or monthly premium. When we get to Part B of Medicare, we find it helps with doctor fees, outpatient care, occupational and physical therapy, home health, medical equipment and others. Most pay a monthly sum and an annual deductible for this type of health plan. Moving on to Part C, which is called the Advantage Plan of Medicare, we discover this offers more choices within health plans besides extending benefits. Part D is drug coverage for prescriptions. Besides all this, you’ll need MediGap, a plan in health insurance which does not cover the clauses Medicare does.
Source: seniorinsuranceonline.com

Medicare Open Enrollment: find comfort in convenience

Like most people, I take comfort in the things I’m familiar with. I choose to shop at the supermarket around the corner because I know exactly where to find the things I’m looking for. Sure, I might be able to save a little more money by shopping at a different store on the other side of town, but I choose to stick with what I’m most comfortable. We all like to get a good deal, but convenience is a big part of the value.
Source: medicare.gov

Medicare ID Cards Get Makeover

Medicare identification cards will be redesigned to remove Social Security numbers from the display in an effort to protect consumers from identity theft. The change—thanks to the passage of the Medicare Identity Theft Prevention Act—was a long time coming. It follows a recent study that revealed beneficiaries were at risk for identity theft but couldn’t get new cards due to high costs. Beneficiaries are required to carry their Medicare cards on them at all times, but the cards use their SSNs for identification purposes.
Source: seniorlivingcare.com

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

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

Are You Set for the New Year With Medicare Enrollment Over

You can switch to a Medicare Advantage plan or prescription drug plan with a higher quality rating. Whether you have traditional Medicare or Medicare Advantage, you can switch to a Medicare Advantage plan that has a five-star quality rating if one of these plans is available in your area. If you have a prescription drug plan, you can switch to one with a five-star rating. You can make the switch at any time during 2013, but you can only do it once.
Source: allsup.com

Medicare Enrollment Starting; Help Sessions Scheduled

Posted by:  :  Category: Medicare

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Source: coudynews.com

Video: Medicare Part D Open Enrollment Ends December 31st

Rural Fiscal Cliff Averted

This is a big win for rural providers and NRHA wishes to thank all of grassroots advocates who made their plea to Congress to prevent these harsh cuts. Stay tuned, we aren’t completely out of the woods.  The 2% across-the-board sequestration cuts were delayed for two months, but the battle will begin again soon. Additionally, all rural payments were extended for a temporary  period and additional calls for cuts are surely just around the corner.   This means, this year’s Policy Institute, where rural advocates appeal to their Members of Congress, significant than ever.
Source: ruralhealthweb.org

Attention Health Professionals: Information Regarding the 2013 Medicare Physician Fee Schedule

In less than 12 days,, current law requires Medicare physician payments to be reduced by over 26.5 percent because of the flawed sustainable growth rate (SGR) update formula. Physician groups have been telling Congress to take decisive action to prevent the reduction to Medicare physician payments. It is critical to  transition to a higher-performing Medicare program, beginning with permanent repeal of the SGR.
Source: grassicpas.com

Hot off the Press: CMS Provider E

Strategist, Rehabilitation Management, MediServe a Mediware Company; Darlene is a PT with an MBA in Healthcare Management, in her role, as a Rehab Mgmt Strategist she brings information to leadership that help guide practice strategy. Her focus is to assist clients nationally in the use of charting data to drive clinical and financial performance in support of decisions for best practices in meeting rehabilitation compliance, outcomes, revenue and efficiency. Since February 2011, Darlene has visited more than 30 IRF locations to assist in guiding C.O.R.E. (Compliance, Outcomes, Revenue, Efficiency/Effectiveness), performance improvement plans. Working in rehab medicine for greater than 30 years, Darlene spent 12 years in executive leadership as a Director of Rehabilitation and Operations. Therapy oversight included three post-acute service lines: acute inpatient rehabilitation (IRF), skilled and outpatient hospital-based services and is LEAN trained in healthcare. At various points in her career, Darlene had oversight of rehabilitation admissions, marketing, quality improvement, dietary & maintenance. Her responsibilities have included compliance toward Federal Regulations and leading CARF and Joint Commission standards of practice. Her experience includes Quality Improvement Chair, Lean Healthcare Trainer Certification and Vice President of the Board of Directors for the Ohio Association of Rehabilitation Facilities (OARF). Darlene lectures and writes blogs on post acute care topics that include federal guidelines, post acute admissions, managing outcomes, documentation, and rehabilitation marketing. www.mediserve.com/blog
Source: mediserve.com

2013 Medicare Fee Cuts for Chiropractors & Bad Elvis

. While most chiropractors understand that Medicare only pays for the adjustment, far too many labor under the misbelief that they must (and do) give everything else away for free. Not only is this not true, it is not remotely sane or profitable. I’m not sure if someone trains seniors to recite the “I’m on a fixed income line” but that same fella shuts up when they drop $4000 to explore their inner-Italian with a trip to Rome or even when they need to buy $125 per seat tickets to see Tony Bennett. Perhaps worst of all, that same voice of frugality that will balk at your $40 charge is completely silent when Bob and Marge decide to do the time warp and fly to Vegas or Atlantic City to take in that neato Elvis impersonator that Dick and Flo keep talking about. So quit trying to x-ray your patient’s wallet while wearing your poverty minded glasses and give them the care they need. If the only thing that will be reimbursed by Medicare is the adjustment, then so be it. Charge them for the remainder and don’t be afraid of the fixed income follies.
Source: strategicdc.com

NBCH Newsletter: Health Care Provisions in the Fiscal Cliff Deal

Both the Senate and House have now passed a bill to avert the fiscal cliff, and the bill is headed for the White House for the President’s signature. The bill deals mostly with the tax implications of the cliff, and not much with the scheduled automatic spending cuts to domestic programs – the “sequestration” – so there will be more to come from Congress. Here are some of the highlights of the health care-related provisions included in the bill:
Source: blogspot.com

Medicare Part D Inappropriately Paid $25 Million for Schedule II Drug Refills

In addition to the prohibition on refills, Schedule II drugs require a prescription containing the name, address, and signature of a provider who is registered with the DEA. Federal regulations also limit the situations under which partial fills of Schedule II drugs are permissible. A partial fill occurs when a pharmacist dispenses the drug over multiple fills. For example, if a physician prescribes a 28-day supply of a Schedule II drug, the pharmacy does not have to dispense all 28 days at once.  It can dispense four 7-day supplies or two 14-day supplies. Partial fills are not considered refills and must be completed within 72 hours, unless the patient is in a long-term-care facility or terminally ill.  
Source: wolterskluwerlb.com

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

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

Looking Into Different Aspects Of Medicare Supplemental Insurance

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSOne issue that is near and dear to our hearts when considering health insurance is prescription drug coverage.  It is notable to understand that any Medicare Supplemental Policy you currently purchase will not come with prescription drug coverage.  This is something that needs to be purchased through separately and is referred to as Medicare Part D prescription drug coverage.
Source: seniorhealthdirect.com

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

Which Medicare Supplemental Insurance Plans Offer The Best Coverage?

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

15% Medicare Supplement Rate Increase is Outrageous!!! » Toni Says

Cindy, one Medicare rule that you should be aware of since you are not happy with your rate increase from your current Medicare Supplement company is…if you had a Medicare Supplement policy before you joined a Medicare Advantage Plan for the first time, and you aren’t happy with the Medicare Advantage Plan, you will have special rights to buy a Medicare Supplement policy if you return back to “Original Medicare” within 12 months of first joining a Medicare Advantage plan.  If you had a Medicare Supplement policy before you joined, you may be able to get the same plan back if the company still sells it.  If it isn’t available, you can buy another Medicare Supplement policy. (Please see page 66 of the
Source: tonisays.com

Medicare Supplemental Insurance Website Server Starts Data Center Fire, Authorities Say

A blaze which started at a Denver data center on Wednesday night has been contained with no one hurt, authorities say. The fire was reportedly started by an overheated server utilized by local Medicare Supplemental Insurance comparison website: http://medicaresupplementalinsurancecomparison.net. The fire started roughly two hours after the website’s initial launch. As the server heated up from the initial rush of traffic the CPU cooling system malfunctioned causing a chain reaction that led to the fire starting. The fire rapidly consumed a corner of the first floor in the data center. “This isn’t the first time a website’s launch has caused a server to overheat,” says Marcus Stevenson, director of operations at FSPServerDirect. “Overheating servers are common with websites that underestimate the demand they’ll receive at any given time. Though a fire would not have started if the system had not malfunctioned in the way that it did.” The fire reportedly caused significant damage to the host building but none of the neighboring structures were affected. Experts say the most expensive loss will likely come from the damaged server racks- Each one costing up to $10,000. The Medicare website owners would not comment, but according to a company spokesman the website is back up and running and was only down for 3 hours. “Admittedly we underestimated the sheer demand for this type of website,” says a company spokesperson. “We received 18 thousand visits in our first 2 hours online, most of which came from people searching for Medicare supplemental insurance through Google. As we entered our second hour after launch our site was suddenly kicked offline. Only the next morning were we told that our website might have caused the fire, but since hosting is an outside service we were not held accountable. The data center admitted to us that their own negligence was a major contributor to the fire. Needless to say we have upgraded to a brand new server and had it checked over thoroughly. We will now be able to handle as much traffic as we can get.” Experts say the demand for the site was so high because it’s one of the first websites of its kind to provide side by side comparisons of Medicare supplemental insurance companies by only entering a zip code. “This is rare for these types of sites,” says a company spokesman. “Most sites like this require personal info before they provide quotes, and the non-invasiveness of our site has definitely contributed to its popularity.” To learn more about the fire, or to get free side by side comparisons of the most reputable Medicare supplemental insurance providers in an area, please visit: http://medicaresupplementalinsurancecomparison.net/ About medicaresupplementalinsurancecomparison.net Medicaresupplementalinsurancecomparison.net was created in December of 2012 to help shoppers get the best rates for Medicare supplemental insurance. The website utilizes the absolute latest in price quote technology, and has already received rave reviews from the industry.
Source: sbwire.com

Medicare Supplemental Insurance New York

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Source: wesupplements.com