Romney/Ryan Plan to End Medicare as We Know It

Posted by:  :  Category: Medicare

OBAMA: THE SOCIALIST/MARXIST/COMMUNIST -- UNMASKED FOR ALL TO SEE by SS&SS2008 Election Alan Korwin ammo bailout Barack Obama BLM Bush california proposition 8 carl wimmer Climate Change DeChristopher Economy education fox news gay marriage George W. Bush glenn beck Gun Control gun lobby guns hand guns Health Care Health Care Reform Iraq John McCain Karl Rove kleck liars lies Mormon church nra Obama Politics News prop 8 Racism racist Republicans Rocky Anderson Salt Lake City Sandy Hook Elementary School Shooting second amendment Tea Party Tim DeChristopher utah Video
Source: oneutah.org

Video: Utah Medicare Advantage Plans for Seniors in 2012

Utah works on ACO tenets in Medicaid overhaul

The Utah Medicaid reform proposal says that the state now wants to improve Medicaid by adding more ACOs while tweaking the model to “implement payment reforms and more appropriately aligns financial incentives in the health care system.” As part of the Medicaid overhaul, the Central Utah Clinic and the proposed ACOs will handle 70 percent of Utahn Medicaid patients and, according to the Salt Lake Tribune, will have the goal of saving $770 million in tax payer money over seven years. But this process is in a state of flux at the moment as both the Utah Health Policy Project (UHPP) and Utah Medicaid Inspector General agree that Utah needs to thoroughly examine how it defines accountable care while keeping the patients in mind.  The UHPP is 501-C-3 nonprofit organization that is trying to work with both insurance payers and healthcare providers to offer quality, affordable healthcare.
Source: ehrintelligence.com

Senators Urge CMS To Reform Medicare Fraud Prevention Program

The OIG report looked into activities from April 2010 to March 2011 and found that the Medicare Drug Integrity Contractor, or MEDIC, program identified most of the few cases referred to law enforcement through passive and external means, such as a fraud hotline, rather than proactive, internal means, such as research and investigation. Specifically, the report found that:
Source: californiahealthline.org

Health Care Reform Implementation Update

On Monday (1/7), Florida Gov. Rick Scott met with HHS Sec. Sebelius to discuss whether Florida will assist with the implementation of the state exchange and expand its Medicaid program in accordance with the Affordable Care Act. Gov. Scott is concerned about expanding the state’s Medicaid program, which already consumes close to 30 percent of the state’s budget, because he knows the expansion would be difficult or impossible to reverse and fears that the state portion of spending will grow over time. Scott said, "Growing government is never free." Prior to Scott’s meeting with Sec. Sebelius, however, Scott projected health reform could cost state taxpayers $26 billion, and after the meeting his administration released new cost estimates of $3 billion.
Source: hotbuttonblog.com

Medicare Discloses Hospitals’ Bonuses, Penalties Based On Quality

The program is one of several Medicare is launching to make hospitals and doctors accountable for quality and more careful stewards of public money. In October, Medicare also began reducing payments to 2,217 hospitals because too many of their patients ended up back in their care within a month. Medicare already gives bonuses to the private Medicare Advantage insurance plans that score well on quality metrics. In 2015, the health law calls for the government to begin a quality payment program for physician groups of 100 professionals or more, and that is to be expanded to all doctors by 2017.
Source: kaiserhealthnews.org

Report Generation Delay for CPID 2458 Utah Medicare

The payer listed below is experiencing issues affecting Professional 5010 999, 277CA, and 835 reports generation for claims submitted from 08/07/2012 to present. The clearinghouse is working diligently with the payer to resolve the issue and ensure reports are received. CPID 2458 Utah Medicare Please be aware of delays in the report for claims submitted during the timeframe above. If you have any questions, please contact Client Services at 1-888-348-8457, option 2.
Source: collaboratemd.com

Democrats divided over Medicare, Medicaid cuts

Much of the focus during negotiations seeking an alternative to $671 billion in automatic tax increases and spending cuts beginning in January has centered on whether Republicans would agree to raising taxes on the wealthy. President Barack Obama has insisted repeatedly that tax increases on the wealthy must be part of any deal, even as White House officials concede that government benefit programs will have to be in the package too.
Source: publicradio.org

Utah Medicare Part D Plans

Whereas you can compare stand-alone plans to each other, you must compare the entire Advantage plan package to other Advantage plans. This complicates things a little. For instance, a plan with great drug benefits may be less than desirable for its medical benefits or provider network.
Source: partdplanfinder.com

Study: Seniors Look For Star Ratings On Medicare Advantage Plans

Posted by:  :  Category: Medicare

Joe the Plumber - To Flush The System ... More scams aim to ensnare Brevard seniors - Their ingenuity is boundless, Archer said. (Jul 2, 2012) ... by marsmet524The rating system uses survey data and other measurements of effectiveness to gauge the quality of the private Medicare Advantage plans, which are an alternative to traditional fee-for-service Medicare. Dr. William Shrank, a co-author of the study, said the relationship between the ratings and enrollment was a good sign for the star system put in place in 2011.
Source: kaiserhealthnews.org

Video: ObamaCare Guts Medicare Advantage

Insurer halts Medicare Advantage sales in Georgia

Public HealthHealth InsuranceHealth CostsHospitalsHealth ReformMedicaidDelivery of CareChildren’s HealthPhysiciansSafety NetMental HealthDisabilitiesMedicareCaregivingUninsuredHealth DisparitiesPrescription DrugsLong-Term CareNursesHealth QualityQuality of CarenursingRural Healthhospital
Source: georgiahealthnews.com

Medicare open enrollment: Will Obamacare end Medicare Advantage?

Should you be worried that Medicare Advantage plans will economize by reducing your benefits? “The plans are required to provide all Medicare benefits, so there’s no way they can cut them,” Gold explains. That includes the free preventive services added to Medicare by the Affordable Care Act. And Advantage plans that include a drug benefit are closing the doughnut hole just the same as stand-alone Part D drug plans. The only area where plans can even consider cutting back are for optional services such as dental and vision benefits, but the plan finder on Medicare.gov still features plenty of plans that have these bonus features.
Source: consumerreports.org

Aging News Alert: OIG Presses CMS for More Oversight of Medicare Advantage Plans

For subscribers only-> FREE audio and special report: What the 2012 Elections Mean to Social Services Programs        For subscribers only-> FREE audio and special report: What the 2012 Elections Mean to Social Services Programs        For subscribers only-> FREE audio and special report: What the 2012 Elections Mean to Social Services Programs
Source: cdpublications.com

Affordable Care Act will reduce Medicare Advantage overpayments by $132 billion, Commonwealth Fund report finds

“The Affordable Care Act’s changes will bring Medicare Advantage payments closer to traditional Medicare payments, while also providing incentives for plans to focus on providing high-quality care to enrollees,” said the report’s co-author, Stuart Guterman, vice president and executive director of the Commonwealth Fund Commission on a High Performance Health System, in a release.
Source: mcknights.com

Beware of Medicare Fraud Calls

Posted by:  :  Category: Medicare

Deal 3, Table 7: Initiation enter Trick A~ contract taker leads King of Risks by KevinHutchins314These calls are completely fraudulent. Medicare will NEVER ask for a beneficiary’s Medicare number unless the beneficiary initiates the call, and they will NEVER ask for a bank account number under any circumstances. The only beneficiaries that need to get new Medicare cards are those who are first applying for Medicare coverage, or those who have asked for a new card because their card is lost or damaged.
Source: valleyprogramforagingservices.com

Video: Tea Party (R) Plays Victim Card – No Apology To DNC Chair Schultz

Replacing Your Vital Documents

 – Go to the National Archives website for guidance on requesting personnel records for former federal civilian employees. Current federal workers can get personnel records from their human resources office.
Source: usa.gov

How to Prevent Medicare Card Identity Theft

Note: You’ll notice that your Medicare ID has one or two additional letters or numbers following the digits of the SSN. These identify what kind of beneficiary you are, according to the Social Security Administration. For example, the letter T mainly indicates that you are entitled to Medicare, but are not yet filed for Social Security retirement benefits; whereas W1 indicates that you are a widower who is eligible for Medicare through disability. For the purposes of your photocopy, it doesn’t matter whether you delete these final letters (or letter-number combinations) or leave them in. Also of interest: You can help fight health care fraud. 
Source: aarp.org

Medicare Cards Pose a High Risk for Identity Theft Scams

However, the Social Security Administration (SSA) recently made a request for the Centers for Medicare and Medicaid Services (CMS) to take immediate action to issue new cards to beneficiaries. These new cards would not have the individual’s Social Security number printed on them. (See: References 2) This is according to a report by the New York Times. (See: References 2) It was also noted that most private insurance agencies have stopped printing Social Security numbers on their beneficiary identification cards. This is due to the fact that many states have forbidden the inclusion of such personal data, according to the Times. But the SSA doesn’t have the authority to prohibit CMS from placing Social Security numbers on beneficiary Medicare cards. However, Congress does have that authority, according to the N.Y. Times.
Source: bestidentityprotection.net

Covering Lost Luggage with Insurance

Contrary to popular belief, most travellers are not covered by national health insurance schemes in other countries. There are also some large countries, including the United States, China, and India, that don’t even have a national health insurance scheme. Medicare will not cover an Australian travelling outside the country. If your medicine is lost with your luggage, you will have to pay the full cost to replace it.
Source: photine.net

How to Replace a Lost Medicare Card

Medicare is a program funded by US government which provides affordable health care to citizens above the age of 65. A red, white and blue Medicare card wiil be given to citizens as a proof . Whenever you are seeking healthcare under medicare program, production of medicare card is a must.If your card has been destroyed, lost or stolen, you need to get a replacement card as early as possible. Here I will describe the process of getting a replacement medicare card.
Source: infobarrel.com

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By Bus to: Kutn Hora (6/day, 1.5 1.75 hrs), Terez n (hourly, 1 hr, from Florenc station), esk Krumlov (7/day, 3.5 hrs, someleave from Florenc station, including an easy direct 3-hr busdeparting at about 8:15; others leave from Na Kn ec station lost medicare card replacement Metro And l, or Roztyly station Metro Roztyly), T ebo (2/day, The communists mismanaged lost medicare card replacement wine production lost medicare card replacement by using bad shoots prone to diseases. Over the last 15 years, vintners have replaced most of these old vines with young, quality ones. Moravian wines improve from year to year. Look for vintages from odd years, which have been better in the past decade than even ones. Among older vintages, 1994 was outstanding. Packing checklist: 295Palach, Jan: 78P lffy Gardens lost medicare card replacement (Prague): 114Pa sk : 55 Paris Street: 55 Parking: 291Passports: 8, 9Pavlov/P lava Hills: 252 255Peat Spa (T ebo ): 205 206Pensions (private rooms): 16. See also The language barrier in the Czech Republic is no bigger than inWestern Europe. lost medicare card replacement In fact, I find that it s even easier to communicate in esk Krumlov than it is in Madrid. lost medicare card replacement Immediately after the Iron Curtain fell in 1989, English-speakers were rare. But today, you ll find that most people in the tourist industry and just about all young people speak good English.
Source: blogspot.com

Things To Know About Your Medicare Card

Anthem Blue Cross Banyan Administrators benefits CalCPA CalCPA ProtectPlus California CDC Centers for Disease Control and Prevention Cobra congress CPA diabetes economy Education employees Energy flu food Group Insurance Trust Health Health & Wellness healthcare health care healthcare reform Health Care Reform health insurance health plans health term Health Terms healthy eating HSA insurance IRS jobs Medicare Obama Obama’s Weekly Address President prevention ProtectPlus recipes reform taxes weekly address white house
Source: cpaprotectplus.com

The Affordable Care Act and Medicare

Posted by:  :  Category: Medicare

Mitt Mobile in the Final Stretch by DonkeyHoteyTo learn more about this issue, visit the Center for Medicare Advocacy, Inc.’s website here. The Center is a “national non-profit organization that provides research, analysis, education and advocacy to help older people and people with disabilities obtain fair access to Medicare and quality health care.”
Source: hunterestategroup.com

Video: A Permanent Fix for Medicare – Know the Facts

Democurmudgeon: New Medicare Facts Trash Thompson/Ryan plans!!!

The simple question reporters never ask: “If Medicare is going broke; is too expensive now; and doesn’t pay out enough to retain health care providers, how can reducing government premiums save the program, without costing more for seniors and shedding even more providers?” Magic? A bidding war between providers to take on very high risk seniors? Sadly, the huge number of conservative low information voters will “all be surprised” when they finally realize what Medicare reform really means.
Source: blogspot.com

Debt Limit: Facts and Fiction

Mike, if you want to reduce spending, you do it through the budgetary process, NOT through hostage taking and threatening to renege on the laws passed by previous Congresses. Inconveniently for Republicans, reducing spending through the budget process would mean they would actually have to start naming programs they think should be cut. The GOP has been unwilling to do that since at least 2010. The Ryan Budgets don’t specify the cuts, the whole Romney campaign was ran on secret cuts, and now the 2013 Republican House is still playing the charade. Returning the country to full employment should be our priority, then we can get back to Clintonian efforts to eliminate the debt. Remember, it was the Bush tax cut stimulus and the unnecessary and unfunded war in Iraq and (to some degree) Afghanistan, followed by near economic collapse from an unregulated mortgage securities market under Bush that has resulted in the latest deficit surge. The GOP has had a responsibility in helping to fix the problems they created, but instead they are threatening to further destroy our economy as a sacrifice to the imaginary Confidence Fairy.
Source: etfguide.com

News/Events @ Your Library: Getting the Facts on Medicare @ Your Library

At the close of their presentation, the floor was then opened to the audience where many asked questions relating to the changing state of Medicare.  Concern and frustration could be felt by many who discussed problems including finding a doctor, dealing with the task of finding the correct plan when considering the prescription medications one needs to be covered for, understanding the star-level ratings for drug coverage, and more.  This portion of the program became just as important as the presentation as it opened up a line of dialogue amongst the audience and the presenters to highlight and discuss areas relevant to what they have or may experience.
Source: blogspot.com

Short hits: Medicare facts, the Republican convention, and voting access

Where population greatly abounds vice and virtue have their greatest extremes. A simple rural population needs no night police, and no lock-up. Rogues and strumpets do not nightly traverse the deserted highways of the farmer. Low inns, restaurants, sailors’ boarding-houses, and houses of ill fame do not abound in rural precincts, ready to pour out on election day their pestilent hordes of imported bullies and vagabonds, and to cast them multiplied upon the polls as voters. In large cities such things exist, and its proper population therefore needs greater protection, and local legislation must come to their relief.
Source: bangordailynews.com

Quick Health Facts 2012: A Compilation of Selected State Data

. This is the 3rd edition of Quick Health Facts. Earlier editions were published in 2008 and 2010. This is the first year that Quick Health Facts incorporates data from the American Community Survey (ACS), resulting in an improvement of the precision of state level estimates.  Previous editions relied on data from the Current Population Survey (CPS). As a result of this change, some of the figures in this edition of Quick Health Facts are not directly comparable to the figures in previous editions. In addition, data points presented in Quick Health Facts should not be combined to create new data points, as they are often derived from different data sources. The Quick Health Facts series is adapted from the State Profiles: Reforming the Health Care System series that was published annually from 1990 to 2000 and biennially from 2001 to 2005 by the AARP Public Policy Institute. Quick Health Facts is not a continuation of the State Profiles series; therefore, comparisons should not be made with information contained in past editions of State Profiles.  This publication, as well as state-specific versions, can also be accessed via the Internet at http://www.aarp.org/research/ppi. For hard copies of Quick Health Facts 2012, please call the AARP Public Policy Institute at 202-434-3890.
Source: aarp.org

Listen Up, White House! Take Medicare Eligibility Age Off The Table NOW.

…with the electorate. Act 1. A disaster scenario (created by the WH & Congress) aptly named a ‘fiscal cliff’ MUST be solved by Dec. or we’ll all die. Both parties posture and pose and pretend to hold out for a deal their base supports. Act 2. Media run non-stop stories about the fiscal cliff ‘disaster’. Theme: If no compromise is reached before (artificial) deadline life will end for us all. Good cop, bad cop drama ensues. Act 3.The WH/Congress leak Pete Peterson’s plan to a couple of insiders to float. Outrage from both bases. Media frenzy. WH/Congress wait out the storm. Act 4. Float a slightly more palpable plan with “tweaks”. Media insiders in both parties give it a tepid thumbs up claiming it was the best they could do given the intransigence of the other party. Act 5. Tweaked entitlement “reform” bill gets bipartisan support. Act 6: The public finds out 9 mos later about the poison pills lobbyists for Pete Peterson wrote into the bill. Act 7. Medicare age raised to 67. SS cola ‘tweaked’. Taxes raised 2% on millionaires. Captial Gains tax untouched. Defense cuts- not so much.
Source: crooksandliars.com

Don’t Fall for Medicare Card Phone Scam

Posted by:  :  Category: Medicare

Joe the Plumber - To Flush The System ... More scams aim to ensnare Brevard seniors - Their ingenuity is boundless, Archer said. (Jul 2, 2012) ... by marsmet524You answer the phone, and the unknown caller claims to be with Medicare or another government office. He informs you that your new Medicare card is in the mail, and you will receive it in a few days.  In the meantime, you need to set up your direct deposit so your Medicare funds can be deposited into your bank account. To do this, you just need to tell the caller your banking information. He will take care of the rest.
Source: bbb.org

Video: Medicare Covered Power Chair – Do You Qualify? – Toll Free Phone Hotline

12 On Your Side: Medicare scam targets seniors in Augusta

“What they well tell them is that they are from Medicare and that the card is in the mail and in order to make sure their funding is going into their account, they need to verify their account information,” Turner said.
Source: wrdw.com

Why Medicare Costs Are Exploding In 2013

After three years of declines, enrollment in private insurance plans grew by 1 million, or 0.5 percent in 2011. Medicare’s actuaries say one of the main reasons for that increase was increased coverage of dependents younger than 26 mandated by the Affordable Care Act. (The addition of those younger, healthier beneficiaries did help to drive down growth in private insurers’ spending on benefits per enrollee to 3.2 percent in 2011 from 4.6 percent in 2010.)
Source: businessinsider.com

Raiding Medicare: How seniors will pay for Obamacare

Other hospitals will be forced to operate in an environment of scarcity, with as many as 40 percent in the red, according to Foster. That will mean fewer nurses on the floor, fewer cleaners, and longer waits for high-tech diagnostic tests. It will affect all patients. Obamacare’s defenders say that cutting Medicare payments to hospitals will knock out waste and excessive profits. Untrue. Medicare already pays hospitals less than the actual cost of caring for a senior, on average 91 cents for every dollar of care. No profit there. Pushing down the reimbursement rate further, as the Obama health law does, will force hospitals to spread nurses thinner. When Medicare reduced payment rates to hospitals as part of the Balanced Budget Act of 1997, hospitals incurring the largest cuts laid off nurses. Eventually patients at these hospitals had a 6 to 8 percent worse chance of surviving a heart attack and going home, according to a National Bureau of Economic Research report.
Source: dailycaller.com

Beware of Medicare Fraud Calls

These calls are completely fraudulent. Medicare will NEVER ask for a beneficiary’s Medicare number unless the beneficiary initiates the call, and they will NEVER ask for a bank account number under any circumstances. The only beneficiaries that need to get new Medicare cards are those who are first applying for Medicare coverage, or those who have asked for a new card because their card is lost or damaged.
Source: valleyprogramforagingservices.com

Daily Kos: Medicare also going over the “cliff”

Single-payer financing models, in which one government entity is the sole third-party payer of health care costs, can achieve universal access to health care without barriers based on ability to pay. Single-payer systems generally have the advantage of being more equitable, with lower administrative costs than systems using private health insurance, lower per capita health care expenditures, high levels of consumer and patient satisfaction, and high performance on measures of quality and access. They may require a higher tax burden to support and maintain such systems, particularly as demographic changes reduce the number of younger workers paying into the system. Such systems typically rely on global budgets and price negotiation to help restrain health care expenditures, which may result in shortages of services and delays in obtaining elective procedures and limit individuals’ freedom to make their own health care choices. Pluralistic systems, which involve government entities as well as multiple for-profit or not-for-profit private organizations, can assure universal access, while allowing individuals the freedom to purchase private supplemental coverage, but are more likely to result in inequities in coverage and higher administrative costs (Australia and New Zealand). Pluralistic financing models must provide 1) a legal guarantee that all individuals have access to coverage and 2) sufficient government subsidies and funded coverage for those who cannot afford to purchase coverage through the private sector. http://www.annals.org/…
Source: dailykos.com

Medicare Changes for 2013 and Beyond

Most notable for 2013 is Medicare’s new policy for Transitional Care Management services. Medicare will pay a patient’s physician or practitioner to coordinate their care, 30 days following a hospital or skilled nursing stay. Compensation to Medicare providers will be more directly tied to patient outcomes, which can include a reduced reimbursement for your doctor and hospital if you return to the hospital within 30 days for the same issue.
Source: centralcoastseniorservices.com

Senators Urge CMS To Reform Medicare Fraud Prevention Program

The OIG report looked into activities from April 2010 to March 2011 and found that the Medicare Drug Integrity Contractor, or MEDIC, program identified most of the few cases referred to law enforcement through passive and external means, such as a fraud hotline, rather than proactive, internal means, such as research and investigation. Specifically, the report found that:
Source: californiahealthline.org

Medicare and coding update for 2013

Conduct internal self-audits of each doctor’s charts periodically; for example five charts each three months; checking for the quality of the record-keeping. This includes a clear reason for visit, legible record of elements of case history, physical examination, and medical decision-making, record of all diagnoses and management options that are related to the visit. Each record must include orders for any additional testing that is done or recommended, referrals, etc., as well as interpretations and reports of all special ophthalmological services performed during each visit, and appropriate initials, dates, and signatures throughout each chart.
Source: newsfromaoa.org

Exclusive Medicare supplement leads are a vital investment in the growth of your agency

Posted by:  :  Category: Medicare

America is graying, a fact that is mentioned frequently in media reports about the health care system and health reform. It’s a fact that there is a big wave of seniors about to become eligible for Medicare, and once that happens, they will need Medicare supplements. As a busy and experienced insurance agent that deals with seniors on a regular basis, you know first-hand that the growth of your business depends on a constant supply of Medicare supplement leads. You want quality leads, fresh to your inbox daily or weekly, whichever suits your timetable.
Source: benepath.net

Video: Medicare Supplement Plans (How to Find)

What Is A Medicare Supplement

There 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

Medicare Supplement Insurance coverage

When you make use of a web site to obtain Medicare Supplement Insurance, all you have to do is comprehensive a type that asks standard information such as your gender Prograde supplements and age.  You will see distinct insurance policies from varying providers and you will be in a position to assessment the prices and policy figures from each provider.  In the end you can choose the insurance coverage policies that offer what you need to have and that are financially sound.
Source: trevorchan.org

Genworth Financial to sell its Medicare supplement unit

Genworth, a Henrico County-based insurance giant, said the sale is part of strategy to focus its attention on its retirement and protection business segment and markets with the strongest value propositions for the company.
Source: timesdispatch.com

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

Dave Fluker’s California Health Insurance Blog: Anthem Blue Cross Raising Medicare Supplement Rates in 2013

David Fluker Insurance Services – Gilroy, California Serving California Residents Since 1995 For specific Health Insurance information, please visit my site at the link below www.davefluker.com Email Me CA Insurance License # 0B58920
Source: blogspot.com

Today’s Influence Ads: AARP Medicare Supplement, Shale Gas Production

A slew of new ads are out today as Congress embarks upon its last week before the elections. AARP and UnitedHealthCare have a new ad today promoting AARP Medicare Supplement Insurance Plans as the only standardized Medicare supplement plan that AARP  endorses. American Clean Skies Foundation has a new ad pushing for the production of shale gas in the United States. The government of Panama’s new ad promotes the country as a good place for American businesses to invest. And Across the Aisle Foundation has a new ad inviting senior House and Senate staffers from both parties to an October event to discuss how the new Congress should tackle its first 100 days. Others with new ads, per Kantar Media’s Washington Eye, include: American Petroleum Institute, American Sugar Alliance, American Veterinary Medical Association, Consumer Electronics Association, Employee Freedom Act Committee, Fair Search, Lockheed Martin, McDonald’s, Neustar and Radiation Therapy Alliance. Those with continuing ad include: Altria, American Cancer Society, American Council of Life Insurers, American Hospital Association, AT&T, Beirut Families, Boeing Company, BP, Chevron, CIT Group, CME Group, Hologic, Honda, Huntington Ingalls Industries, Lockheed Martin, Mars Chocolate, Northern Dynasty Minerals, Nuclear Energy Institute, Pfizer, Pharmaceutical Research Manufacturers of America, Southern Company, United Soybean Board, Univision, WellPoint, WTOP and Zurich.
Source: nationaljournal.com

What is a Medicare Supplement Plan?

AARP AARP Connecticut AARP Medicare AARP Medicare Complete AARP Medigap AARP Medigap 2013 AARP Rates 2013 AARP Supplement AARP Supplement 2013 Anthem Anthem High F plan Anthem Medicare Anthem Medigap Anthem Supplement Coverage Gap Donut Hole Drug Help High Deductible F supplement LIS Connecticut Medicare Medicare Advantage Medicare Advantage plans Medicare Complete Medicare Complete connecticut Medicare Connecticut Medicare for Dummies Medicare part B Medicare part D Medicare prescription drug plans Medicare Rx Medicare Saving program Medicare Supplement Medicare Supplement Connecticut Medigap Medigap rates 2013 Medigap rates NY 2013 MSP Connecticut Original Medicare Part D Part D Drug help Rx Help Rx help connecticut united healthcare United Healthcare AARP United Medicare complete 2013
Source: croweandassociates.com

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

Pennsylvania Medicare Advantage Lead

Posted by:  :  Category: Medicare

I have a client (prospect) in the Pittsburgh area. I will be writing a Highmark PPOBlue plan on his wife and children. He turns 65 in a month or so, and wants an MA…maybe a Med-Supp. I generally don’t write Senior products, so I told him I would find another broker for him. Here’s the info he gave me about his coverage: Perhaps someone (Arn-Do you handle Pittsburgh area?) could make a suggestion and I will email it to him. And then I’ll put him in touch with you (if int.) On the latter, I’ve had a proposal from Bankers Life which would cost me about $250/mo between their monthly fee, Part B plus drug coverage, the latter of which would likely be coming from one of the following 5: CVS Caremark Complete (PDP) (077) AdvanttraRx Premier Plus (PDP) (036) Medco Medicare Prescription Plan – Access (PDP) (176) UPMC for Life (PDP) (005) AARP MedicareRx Enhanced (PDP) (093) Of those I’m probably partial to the Medco plan since that’s what we’ve been using under my company-paid plan, but I’d appreciate your thoughts. On the Advantage plans I’ve also (I think) narrowed it down to 5 that look sort of good. They are (not necessarily in order): UPMC for Life PPO Rx Enhanced (PPO) (002) SecurityBlue Deluxe n(HMO ( 021) Advantra Gold (HMO) (002) Freedom Blue PPO Platinum (PPO) (026) Freedom Blue Select (PPO) (022) I’m probably partial to the Security Blue from Keystone since that’s essentially what we’ve had for the past 15 years under the company-paid plan. Again, your thoughts would be appreciated.
Source: insurance-forums.net

Video: United Healthcare Oxford Medicare Advantage Denies Coverage

Aetna Announces Lifetime Renewals on Medicare Advantage and PDP Policies

Actually, I have had many stay on for over 7 years. But, I also think that there are variables involved like 1) the stability of your market – my markets Los Angeles Cty and San Antonio, Tex have both been high capitation markets, making them stable with their benefits and not leaving the service area high and dry. 2) the stability of the companies that you place your business with- I put a lot of my SoCal ppl with Caremore (which has always given away the store with benefits) and SCAN, which had held unique status for many years as a "social HMO". The Secure Horizons mbs from the 2004-2005 enrollment period have long since scattered. I’m down to about 4 of those. In my current market (San Antonio), there are ONLY 4 players. Secure Horizons is very dominant because it gets a ton of support from its powerful medical groups. They have excellent retention because the medical groups help so much. Most of my SH business would still be on SH if I hadn’t switched them years ago. Humana is constantly cutting down the docs’ capitations and making the referral process tougher. As a result, it’s getting harder to retain those members as doctors drop Humana left and right. Aetna is really investing $$ and effort in the Texas markets. I like them a lot at this point. They recently added Hermann Memorial in Houston- a big coup. 3) the importance of serving your customer base (goes without saying) If a company only pays for 6 years, it would be much harder to ask a client to switch simply because they will have been on a plan for too long and will not change because they don’t like to switch plans. It’s a trait that all ppl have, but espec the elderly. Then again, anything could happen with Medicare Advantage. But I’d rather sell for one that offers lifetime renewals than 6 years "just in case".
Source: insurance-forums.net

NY Appeals Court Validates Insurer’s Lien Against Claimant’s Recovery

“[T]he Medicare Act provides that Medicare Advantage organizations may create a right of reimbursement for themselves in their insurance agreements with Medicare insureds. Moreover, “[t]he standards established under [Part C] shall supersede any State law or regulation … with respect to [Medicare Advantage] plans which are offered by [Medicare Advantage] organizations under [Part C]” (42 USC § 1395w-26[b][3]), and “[a] State cannot take away [a Medicare Advantage] organization’s right under Federal law and the MSP regulations to bill, or to authorize providers and suppliers to bill, for services for which Medicare is not the primary payer” (42 CFR 422.108[f]) … 
Source: jonathancooperlaw.com

Medicare Advantage Plan Loses Again

The Supreme Court of New York Kings County in Janine Trezza v Dana Trezza, E Roth Rodriguez, Guillermo Rodriguez and Jackeline Rodriguez extinguished the purported claim/right/lien of reimbursement of Oxford and Rawlings.
Source: lienresolutiongroup.com

Medicare Plan Finder for Health, Prescription Drug and Medigap plans

Posted by:  :  Category: Medicare

meds: it's obscene by fallsroadBetween 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: Medicare Prescription Drug Coverage

Medicare Prescription Drug Coverage, Medicare Part D, Doughnut Hole

Medicare has an optional program — called Medicare Part D — that provides insurance to help you pay for prescription drugs. If you select to have the coverage, you pay a monthly premium. This guide explains how the program works and helps you make decisions in choosing a plan that’s right for you.
Source: aarp.org

Substantial Increase in Health Care Expenses for E

U.S. companies have to compete in the international market with third world companies who have the advantage of cheap labour. This law increases the costs of health care, which would reduce the competitiveness of the companies in the global market. This is the reason why these companies are complaining about the rising health care costs. It is yet to be seen how the federal government reacts to these concerns.
Source: cypresstrailcondos.com

Maximizing Medicare Prescription Drug Coverage

Medicare beneficiaries take an average of 29 prescriptions per year, spending approximately $1,300 on medications annually.[1] Individuals with chronic conditions such as heart failure often pay more than double that amount.[2]   Fortunately, there is a voluntary program called Medicare Part D that helps beneficiaries pay for their prescription drugs. Beneficiaries can access prescription drug coverage either from a stand-alone Part D prescription drug plan or from a Medicare Advantage plan that bundles coverage of medical, hospital and prescription drug benefits in one plan.   Enrolling in Part D prescription drug coverage is one way beneficiaries can help manage their prescription drug costs, but they should be aware that all Part D plans include a coverage gap, which is often called the “donut hole.” In the coverage gap, beneficiaries’ out-of-pocket costs on their prescription drugs increase significantly.   Summer is the time of year when many beneficiaries enter the coverage gap, making this an opportune time for beneficiaries with Medicare Part D to remind themselves of the following tips that may help them save money on their prescription drugs and make the most of their benefits.    1. Get Help with Managing Multiple Medications Beneficiaries who have a chronic condition that requires them to take multiple medications every day should consider enrolling in a Medicare Advantage Chronic Special Needs Plan. These specialized Medicare Advantage plans combine Medicare coverage with additional support services, some of which are designed to help ensure that members are able to afford their medications and understand how to take them as directed. Many Special Needs Plans also offer personalized pharmacist counseling and drug formularies designed for Medicare beneficiaries with complex health care needs.    2. Understand How the “Donut Hole” Works All Part D plans include a coverage gap. After spending $2,930 in out-of-pocket costs on their drug coverage, beneficiaries will reach the coverage gap. Currently, beneficiaries in the gap pay 50 percent of the cost of their brand-name prescriptions and 86 percent of the cost of generic drugs. In an effort to prepare for the increased expenses while in the gap, beneficiaries should monitor their plan’s Evidence of Coverage statement to get a clear sense of their drug expenditures and see how close they are to reaching the gap.   3. Apply for “Extra Help” with Drug Costs  For beneficiaries with limited income and resources, Extra Help is a federal program that provides an average of $4,000 of additional assistance with prescription costs. According to the Social Security Administration, many beneficiaries who qualify for this program don’t know they are eligible. Medicare beneficiaries must apply for this program, and the amount of assistance is based on annual income and assets. For more information about the Extra Help program, contact the Social Security Administration at 1-800-772-1213.   4. Take advantage of cost-savings on prescription drugs. Beneficiaries enrolled in a Medicare Advantage plan that includes drug coverage should check their plan details to see if they could save money on their prescriptions, such as by using mail-order pharmacy benefits, switching to generic or lower-tier drugs, or taking advantage of special programs available with some plans.   5. Explore “PAP” Programs Several pharmaceutical manufacturers sponsor Patient Assistance Programs (PAPs) that may reduce prescription drug expenses. Some companies offer financial assistance or free products, but all manufacturers have their own rules and grant assistance on a case-by-case basis. For more information, contact the Partnership for Prescription Assistance program at 1-888-477-2669.   For more information about Medicare Part D, contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day, seven days a week. The Arkansas State Senior Health Insurance Information Program (SHIIP) provides free counseling and support to help beneficiaries understand their Medicare coverage options, including prescription drug coverage. To contact the SHIP office in Arkansas, call 1-800-224-6330.    Ray Morris is the community outreach manager for Care Improvement Plus in Arkansas. Care Improvement Plus is a UnitedHealthcare Medicare Solution providing specialized Medicare Advantage coverage for underserved and chronically ill beneficiaries throughout Arkansas.  
Source: thecitywire.com

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

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

There’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

Medicare And Home Health Care: A Quick Overview

Addi­tion­ally, Medicare cri­te­ria for receiv­ing home health care are very strin­gent; many peo­ple who may want to use a Medicare-approved home health com­pany will not actu­ally receive cov­er­age. In fact, Medicare pays only about half of all health care costs to seniors. Medicare fre­quently denies pay­ment due to not meet­ing cri­te­ria, so it is impor­tant to know if you meet these cri­te­ria prior to lim­it­ing your­self to only Medicare-approved home health companies.
Source: nurseswithheart.com

Affordable Care Act saves consumers millions on Rx coverage, improves adherence

Critics of this provision in the ACA have stated that increasing drug coverage will encourage patients to buy their more expensive drugs and decrease the use of generics. While this is a possible scenario, helping individuals afford their medication in order to stay healthy is the primary objective for this provision. In fact, studies have shown that once coverage ends, patients stop taking their medicine—especially their more expensive prescriptions. By increasing coverage individuals can have access to both brand name and generic prescriptions at lower, affordable costs. This seems like a win-win. This provision increases medication adherence, as more individuals are able to afford their drugs.
Source: wordpress.com

Medicare Open Enrollment: Be a smart shopper

in the Medicare program. Average premiums for prescription drug coverage and Medicare health plans will stay around the same in 2013. People who are in Medicare’s prescription drug coverage gap (“donut hole”) will continue to save money in 2013 with big discounts on brand-name prescription drugs. Since the health care law was enacted in 2010, more than 5.5 million people with Medicare have saved nearly $4.5 billion on prescription drugs in the donut hole. 
Source: medicare.gov

People with Medicare save $4.8 billion on prescription drugs because of the health care law

The health care law also makes it easier for people with Medicare to stay healthy. Prior to 2011, people with Medicare had to pay part of the cost for many preventive health services. These costs made it difficult for people to get the health care they needed. For example, before the health care law passed, a person with Medicare could pay as much as $160 in cost-sharing for a colorectal cancer screening. Because of the health care law, many preventive services are now offered free to beneficiaries (with no deductible or co-pay) so the cost is no longer a barrier for seniors who want to stay healthy and treat problems early.
Source: valleysentinel.com

The Delusions in Ryan's Medicare Vision

Posted by:  :  Category: Medicare

'tis I by McBethBut the likelihood that Americans born in 1957 or after are going to accept a two-class deal in which they have to pay for older peoples’ generous benefits while expecting far less for themselves is about zero. As time goes on, there will be progressively more voters born after 1957 and fewer born before. Thus, the politically numerous would either demand that older Americans’ Medicare benefits be dragged down to their promised levels or that the whole voucher business be dropped. And who could blame them?
Source: realclearpolitics.com

Video: Sunsure Florida Medicare Insurance – Blue Cross

Medicare and coding update for 2013

Conduct internal self-audits of each doctor’s charts periodically; for example five charts each three months; checking for the quality of the record-keeping. This includes a clear reason for visit, legible record of elements of case history, physical examination, and medical decision-making, record of all diagnoses and management options that are related to the visit. Each record must include orders for any additional testing that is done or recommended, referrals, etc., as well as interpretations and reports of all special ophthalmological services performed during each visit, and appropriate initials, dates, and signatures throughout each chart.
Source: newsfromaoa.org

Different Kinds Of Medicare Vision Benefits

To qualify for Part B Medicare (thats the portion that allows for the doctors billing), a person must be at least 65 years of age or have received Social Security Disability Benefits for a 24 month period. For those individuals 65 years of age and older and still working or qualifying for a group insurance plan, they may select Medicare to be the secondary insurance. Medicare allows for cataract extraction, either one or both eyes, and there are no restrictions on the time period between doing the first eye and the second eye. The decision to have cataract surgery may involve additional testing by a doctor. The costs you incur for these test are allowed by Medicare. Eyeglass frames and lenses after cataract surgery, if necessary, may be covered under Medicare also. Artificial eye replacement also is listed among Medicare procedures eligible for coverage.
Source: zajilmedia.com

Vision benefits from Medicare and Medicaid

Both HI and MI do not cover the costs of routine eye examination. But Medicare policyholders who have enrolled in HI and MI can enjoy allowance for some types of vision coverage, such as glaucoma screening and cataract surgery. Some studies have shown that glaucoma is usually related to diabetes. As a comprehensive exam, Glaucoma screening includes dilation and intraocular pressure measurement. Cataract surgery will replace your eye’s natural crystalline with an intraocular lens. And Medicare will cover the basic costs of lenses. Of course, you can pay extra for new multifocal intraocular lenses if you don’t want to wear eyeglasses.
Source: firmoo.com

Can I get dental coverage from a Medigap policy?

Medigap does not pay for everything. It is meant to supplement Medicare, not replace it. Medicare pays the defined portion, and then your Medigap policy kicks in to pay for costs it covers. Unlike Medicare Advantage, Medigap is not part of your Medicare coverage, but is instead a supplemental policy which makes your existing Medicare coverage more useful and less expensive. Medigap has separate premiums that must be paid in addition to the premiums for your Medicare Part A and Part B insurance.
Source: usinsurancenet.com

Medicare Advantage: Anthem Medicare PPO Alternative in Las Vegas, NV

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSThe second option is to upgrade to a Medicare Supplement.  Because your plan is not renewing, you have the guarantee issue right to a supplement.  You cannot be denied for health history.  The monthly cost will be higher than that of the PPOs, but a supplement will give you freedom to see any doctor that accepts Medicare and you will no longer have co-payments if you select a Medicare Supplemental Plan F.
Source: suncityfinancial.com

Video: Anthem Medicare Advantage Plans in Ohio

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

Dave Fluker’s California Health Insurance Blog: Anthem Medicare Advantage LPPO and Sutter Health Group

Sutter Health Group and Anthem Blue Cross MAPD LPPO (Medicare Preferred PPO and Medicare Preferred Select LPPO) have been unable to reach agreement on a new contract. As of February 1, 2012, Sutter will no longer be a participating provider for Anthem Blue Cross CA hospital and professional network. The ancillary services for Sutter will continue to be a participating provider. Again, this contract issue affects Medicare Advantage PPO and Medicare Advantage LPPO subscribers. The following Sutter Health facilities are affected: Sutter Roseville Medical Center – Roseville, CA Alta Bates Summit Medical Center – Alta Bates/Herrick – Berkeley, CA Alta Bates Summit Medical Center – Summit Campus – Oakland, CA California Pacific Medical Center – California – San Francisco, CA California Pacific Medical Center – Davies – San Francisco, CA California Pacific Medical Center – Pacific -San Francisco, CA California Pacific Medical Center – St. Lukes – San Francisco, CA Eden Hospital Medical Center – Castro Valley, CA Memorial Hospital Medical Center – Modesto – Modesto, CA Memorial Hospital of Los Banos – Los Banos, CA Menlo Park Surgical Hospital – Menlo Park, CA Mills Hospital – San Mateo, CA Novato Community Hospital – Novato, CA Peninsula Hospital & Medical Center – Burlingame, CA San Leandro Hospital – San Leandro, CA Sutter Amador Hospital – Jackson, CA Sutter Auburn Faith Hospital – Auburn, CA Sutter Coast Hospital – Crescent City, CA Sutter Davis Hospital – Davis, CA Sutter Delta Medical Center – Antioch, CA Sutter General Hospital – Sacramento, CA Sutter Lakeside Hospital – Lakeport, CA Sutter Maternity & Surgery Center – Santa Cruz, CA Sutter Medical Center of Santa Rosa – Santa Rosa, CA Sutter Memorial Hospital – Sacramento, CA Sutter Solano Medical Center – Vallejo, CA Sutter Tracy Community Hospital – Tracy, CA I expect that at some point a contract agreement will be reached and will post when that happens.
Source: blogspot.com

Anthem Medicare Connecticut « Insurance News from Crowe & Associates

The PPO offers substantially better benefits than the HMO to such an extent it does not make much sense for a consumer to consider the plan.  The PPO utilizes the nation anthem BCBS nationwide network.  It has out of network benefits which are almost par withe in network benefits.  They have $0 copay for a primary doctor and $0 copay for some generic drugs as well.  Two of the better benefits are the Hospital benefit which is $250 a day for 6 days in or out of network.  Meaning that you can go to a non participating hospital and pay the same as if it was an in network hospital.  The outpatient surgery benefit is a max copay of $250 which is the best available.  Lastly, the out of pocket max on this plan is $3,400 in and out of network combined which is far better than any other advantage plan in CT.
Source: croweandassociates.com

California Medicare Insurance: 2013 Anthem Medicare PPO

This plan is also offered in other states but here in California it is now a Local PPO as opposed to a Regional PPO, which means its limited to particular counties The plan used to cover the entire state of California and now only a handful of counties will be able to have access to Medicare Advantage PPO network. In addition. only 3 of the counties will continue to receive the “Zero Cost” option; Los Angeles, San Diego and Ventura. All other counties will now have a monthly premium for this plan ranging from $40-131/mo. For some this is no problem but for many Medicare beneficiaries who are dependent upon Social Security or on a fixed income, this raises huge issues. 
Source: blogspot.com

Anthem Suddenly Changes Medicare Advantage Plan Insurance Families.com

Two weeks later, Anthem sent out a second letter, to the same customers. This one was labeled “Important Notice”, (two words you never want to hear from your insurance company). The letter explained “Your Medicare coverage is changing.” It went on to say that Anthem Blue Cross would no longer be offering the Medicare Advantage plan in 2012. So much for wanting to provide outstanding service “for years to come”!
Source: families.com

[WATCH]: San Jose Medicare Supplements Insurance, Anthem,Medicare Advantage Senior Plans, San Jose, CA

sanjosemedicaresupplements.com Jose Medicare Supplements Insurance specializes in insurance for seniors aging into Medicare including Medicare supplement insurance and Medicare Advantage from Anthem Blue Cross, and Blue Shield. The senior years bring a major change in health insurance coverage as Medicare benefits will affect your health insurance options. San Jose, Santa Clara County,
Source: wordpress.com