Hockey Training Camp at Bassi Pathana by MBCT

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 marsmet471A number of visitors visited the Winter Hockey Training Camp during this period namely Mrs. & Mr. Surinder Singh Chahal, DGP D.S. Mangat, AIG Punjab Police Sh. Baljeet Singh Rathore, Sh. Amrit Pal Singh Tiwana, Sh. Bawa Singh, Sh. Wazir Chand, Sh. Karmtez Singh Kang Ex-GM Hindustan Steels Ltd, Trustee Ajit Singh Chatha,  Advisor Hassan Mejie, Advisor Dr. P.S. Jassi, D.K. Madan and Sh. Sudhir Mittal.
Source: mbtrust.org

Video: 2011 HEAT Provider Compliance Training – Overview of Centers for Medicare and Medicaid Services

MHANJ Offers Free Medicare Benefits Counseling through “SHIP”

Counseling is free, objective and confidential and encompasses assistance with questions about Medicare, Medigap, Medicare Advantage, Medicare Part D, Long-Term Care Insurance and Dual-Eligibility. Sessions are conducted by telephone so that travel is not necessary.       
Source: mhanj.org

Medical Billing and Coding Training

Since 1981 JoAnne Sheehan, CPC, CPC-I, owner of Lomar Associates, Inc. has provided medical practice management expertise as a medical biller and coder, chart auditor, A/R manager , author, and consultant. She has worked on high profile fraud and abuse cases in the Boston area and is also an AAPC Licensed PMCC Coding Instructor. She has recently joined Laureen Jandroep, CPC, CPC-I, owner of www.codingcertification.org, as an affiliate and independent support representative for CCO’s online physician medical coding program. JoAnne believes CCO offers the most comprehensive approach to becoming a proficient medical coder and is excited to be part of Laureen’s team. She looks forward to working with Laureen and her CCO team and offering students the best education and resources available for the coding profession.
Source: codingcertification.org

Hospitals: Medicare reforms preferable to cuts

The American Hospital Association has expressed support for several proposed structural reforms to Medicare as alternatives to reductions in healthcare provider payments, according to a letter from AHA Executive Vice President Rick Pollack to Sen. Orrin Hatch, R-Utah. The AHA and other provider representatives have voiced concern that negotiations to avoid the upcoming budget sequester and to reduce the federal deficit could lead to additional cuts in payments to providers. Such cuts may be more tenable politically than adjustments to benefit levels. Since 2010, according to the AHA, Congress has authorized $95 billion worth of reductions in hospital payments. “Simply ratcheting down provider payments is not real reform.

Medicare open enrollment: How can I find a better plan?

Posted by:  :  Category: Medicare

open enrollment by MedicareMallWhat about doctor availability? On the Medicare site you can directly compare up to three plans, and when I selected your current plan and these other two plans, I saw that your current plan says it has 1001-1500 “physicians and providers,” compared to 4001-5000 for the other two plans. For each plan you can click on “View provider and physician network website,” which takes you away from Medicare.gov and onto the plan’s own website, where you can search its provider directory to judge for yourself whether it has enough doctors to meet your needs.
Source: consumerreports.org

Video: Medicare Open Enrollment Preparations

Medicare Open Enrollment: The Tools Are There to Help Your Loved Ones Make Good Plan Choices

A recent study found that seniors (often with the help of their support systems like you and me) are learning from their experience with Part D over time and switching plans when they can save money, or when a different plan better fits their individual health needs. The study, which we have highlighted in our Rx Minute newsletter this month, shows that seniors are adapting to get the best drug coverage for their money. Research PhRMA sponsored found that even in 2006, Part D’s first year, seniors disproportionately chose plans with lower premiums and deductibles and broader choice of medicines. In sum, choice works, benefiting seniors.
Source: phrma.org

Your Health: Medicare open enrollment under way

A: All Medicare enrollees should have gotten notice by now that the Medicare open enrollment season has begun. Medicare beneficiaries have through Dec. 7 to decide whether they want to stay with their current plan — whether it’s a Medicare Advantage managed-care plan or original Medicare — or switch coverage to something else.
Source: timesdispatch.com

Medicare Open Enrollment Begins October 15th This Year

In addition, a recording of our recent webinar explaining the Fall Open Enrollment Period is now available on our online training service, Medicare Rights University, free of charge. You can view the webinar any time here: www.medicarerightsuniversity.org/webinars/fall-open-enrollment-period
Source: hemophiliafed.org

Deadline Looming for Medicare Open Enrollment

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Source: mpbn.net

What is Medicare Supplemental Insurance Open Enrollment, And Why Is It Important For Me?

During open enrollment, your right to purchase a Medicare supplement policy is guaranteed, no matter your health condition or past medical history. Insurers cannot refuse to offer you a policy. You also cannot be asked to pay a higher premium because of insurance risks you may bring to the table. For example, a smoker will pay the same premiums as a non-smoker. There is no medical screening for applicants during the open enrollment.
Source: kurafire.net

7 pointers for navigating Medicare open enrollment

These plans include HMO-style offerings under which care is coordinated through a network of doctors and hospitals, according to Cindy Polich, president of United HealthCare’s Medicare division. In-network pharmacies may offer cheaper prices for drugs, whether through an in-store or a mail-order option, Polich says.
Source: insurancequotes.com

Medicare’s Open Enrollment Closes on Pearl Harbor Day

Jordi Fuentes, asesor idndpeneiente en iluminacif3n / Vergfcenza ajena:La tecnologia LED e igual que la de induccif3n (CFL sin electrodos) son las que duran me1s tienpo en funcionamineto, pero cuanto tiempo? . Se mide en relacif3n al 30% de perdida de luz (L70 CIE), esto en el LED depende de la temperatura de funcionamiento de de la corriente que circula por el LED ( o me1s bie9n la densidad de corrinte del die del LED). Pero a diferencia de las otras tecnologias el LED no se apaga, continua haciendo luz hasta que ya no se genera fotones en el die(chip) del LED, esto pude suceder al cabo de muchos af1os, en el caso de una aplicacif3n df3mestica en que el LED funcione 4h/dia podemos tener tranquilamente 50af1os en L50 (50% de depraciacion del LED, si el Die esta por debajo de los 60baC y densidades de corrinete nominales por debjao de 350mA/mm2.El problema no es el LED, o bie9n el CFL sin electrodos, sinf3 sus sistemas electrf3nicos de alimentacif3n que fallan con el tiempo por la degradacif3n natural de los condensadores electrledticos.Hay una empresa en Espaf1a que fabrica sistemas de alimentacif3n para LED/CFL sin coindensadores electrf3ledticos desde hace af1os NORFEUS.En Espaf1a no hay ninguna fe1brica de semiconductores para la fabricacif3n de LEDs todos se compran fuera, en Europa casi no hay fabricas de LED, solo en Austria y Alemania pero de uso poco comun no para iluminacif3n, todo esta en California o el sudeste Asie1tico. El LED para iluminacif3n este1 patentado desde el af1o 1993 por una multinacinal Japonesa NICHIA donde trabajaba el doctor Shuji Nakamura, el inventor. Philips, Osram, Cree, Norfeus, los Chinos y todo el mundo ha de pagar por la patente y otras relacionadas con la iluminacif3n LED ya que esta multinacional tiene me1s de 100 patentes sobre la tecnologia LED para iluminacif3n. Resumiendo:Cualquier luminaria o bombilla LED del mercado dura decenas de miles de horas su es de una calidad aceptable (ojo con lo Chino). Solo hay tres empresas en Espaf1a compran LEDs y los insertan en sus disef1os sin necesidad de externalizar los procesos tecnicos e industriales estas son: LAMP (compro una empresa de electonca de Zaragoza), SIMOM (comprf3 una empressa de electronica de Gave0 dedicada al LED) y NORFEUS la unica de Espaf1a que ademe1s tiene factoria y laboratorio quedmico de produccif3n de circuitos impresos con sustrato de aluminio o cobre para LED, el resto(hay me1s de 500 empresas en Espaf1a) lo subcontratan todo sea en China o aqued. Pena que Norfeus solo hace producto para el entorno profesional y iluminacif3n pfablica.BENITO MUROS PERFECTO es un estafador me1s, sus bombillas son de una empresa China, no hay nada de especial en ellas, solo que son de baja calidad, estas valen 5,78$ unidad (unos 4€) y las vende a 29€.Este sef1or no ha inventado nada, ni ha disef1ado nada de nada, igual maf1ana vende lechugas trange9nicas.Se aprovecha de que el LED dura mucho y ased cuando comiencen a fallar sus bombillas Chinas el ya tendre1 la cuenta corriente llena de billetes y abre0 desaparecido del mapa,Lo mismo pasa con los frigoredficos, no tienen desgaste fedsico en sus elementos, se estropean poco y duran muchos af1os, ahora dice que tambie9n va hacer una claro no va hacer una lavadora de 10kg de carga que dure 40 af1os.VERGUENZA AJENA de los periodistas de esta paeds, de los medios de comunicacif3n de referencia participando de esta estafa nacional por no hacer su trabajo profesionalmente como pasa en Alemania, Inglaterra (BBC muy profesionales), etc, donde siempre van a fondo investigando y esclarecer la verdad, aportando datos de profesionals, etc El estafador de la bombilla eterna jajaj no participa en el concurso de USA que el govierno de Obama da 10M de df3lares a la empresa que desarrolle la bombilla para el hogar me1s eficiente, duradera y economica del mundo, de momento ya han eliminado a General Electric y se las tiene Philips y CREE que van empratando, una de las premisas es 100lm/W como mednimo a 2700K, la bombilla China de Benito tiene 65lm/W a 6000K y 40lm/W a 3000K, una mierda de bombilla . Comment by Wulan on February 13, 2013
Source: swancreekohio.org

California Medicare Supplement Open Enrollment

California also offers another special open enrollment period for seniors who already have a supplement plan. Seniors may switch to a like, or lesser Medicare Supplement plan every year on their birthday guaranteed issue. The birthday rule is always something I encourage seniors to take advantage of because it is guaranteed issue, which means their is no medical questions to answer. The California Birthday rule for Medicare Supplements, is only guaranteed issue for seniors who already have a supplement plan.
Source: healthbrokerdave.com

I’m an MS Activist: REMINDER: MEDICARE OPEN ENROLLMENT ENDS DEC. 7TH

If you are a Medicare beneficiary who was impacted by Hurricane Sandy, the Centers for Medicare and Medicaid Services (CMS) is making accommodations to ensure that all Medicare beneficiaries can enroll in the health and drug plans that are best for them.
Source: blogspot.com

MATR News: Montana Career Opportunities

Posted by:  :  Category: Medicare

Old people read alone... by Ed YourdonNew West Health Services https://www.newwestmedicare.com/ , dba New West Medicare, is Montana’s not-for-profit, provider sponsored health plan offering Medicare Advantage and Medicare Supplement plans. New West has been in operation since 1998 and is a licensed health services corporation, holding a Centers for Medicare and Medicaid (CMS) contract since 2005. Our Medicare Advantage plans are offered in 28 Montana counties with future plans to expand into more counties in 2014.
Source: matr.net

Video: Montana Medigap Insurance aka Medicare Supplements

As ‘Global Resolution’ for Asbestos Settlements Nears, Montana Senators Seek Medicare Waiver for Victims

On October 20, 2012, the Daily Inter Lake reported that asbestos victims were working toward settlements with W.R. Grace & Co., BNSF Railway Co. and certain insurance companies in what Grace was deeming a “global resolution.” That same day, the newspaper also reported that Montana’s two US Senators were “working to get a full waiver of Medicare liens that have been placed on pending settlements for Libby asbestos victims.” As we have noted in the past, hundreds of Libby residents were poisoned by the toxic asbestos dust from Grace’s vermiculite mine that did not close until 1990.
Source: stanleyiolablog.com

How Libby, Montana, Got Medicare for All | MyFDL

Less than two months after the passage of the health reform bill on March 23, 2010, Nancy Berryhill of the Social Security Administration in Denver joined personally in setting up an office in Libby to sign up these newly eligible people.  “This is a new thing,” Berryhill told the Missoulian.  “No other group like this has ever been selected to receive Medicare.”  Berryhill issued a nationwide alert to inform anyone who had lived or stayed in Lincoln County of their eligibility.  She opened a storefront in Libby at the old downtown city hall where she signed up 60 people on the first day.  She plastered the towns of Whitefish and Eureka with pamphlets explaining the program and added three new staffers to the office in Kalispell.  
Source: firedoglake.com

Falling through cracks if states don’t expand Medicaid

Seems everyone wants to complain about Social Security and Medicare being “entitlements” getting a good deal while thier “entitlements” get less. REALLY? The only ones that are truly entitled to what they get are those getting Social Security and Medicare. The government forced these deals on people whether they wanted them or not. AND the government made them pay for these programs with every dollar they earned thier entire working lives. Those on Medicaid have not contributed a dime toward it in most cases. Medicaid is paid for by the tax dollars of the same folks who paid for Social Security and Medicare. This administration with Obamataxcare took 500 Million away from Medicare, not once but twice and after two years of no Social Security increase for the first time in history finally gave a piddly increase to those who depend on Social Security IN AN ELECTION year. If Obama gets elected again you can be sure there will be no increase in Social Security for the next four years, and if Obamataxcare is not repealed Medicare will be wiped out all together in those four years. Everyone will be on the same lower level of health care as those who have never worked in thier lives or who are illegal aliens. So stop with the bull crap. The states are, as they should be, in control and are trying to hold the line on outrageous Obama give aways that are about to destroy our country and keep the last remnants of our Constitution alive. I applaud every state and would tell those in unfortunate circumstances such as these to appeal to thier state Medicaid agencies to clean up those on medicaid who do not belong there and provide care for those it was intended for such as the poor guy in this article. Fraud, vote buying give aways and corruption is why such things happen. Obamataxcare just made it multiply in its worst cases.
Source: nbcnews.com

Montana Medicaid Provider Services

The Montana Medicaid Provider Services mainly refer to the nature of the facilities as provided by different insurance companies. The company or firm must necessarily be a registered one and all its services must be approved of by the federal government of Montana, and these specifications are met by the Montana Medicaid Provider Services.
Source: medicaremontana.com

Health Law Expands Medicare To Montana Asbestos Patients

That program was set up because the Grace medical plan failed to cover everyone who needed help, said Benefield, who also been a leading advocate to get help for the town’s residents. The Grace program hires its own doctors to independently verify if applicants have the type of asbestos-related disease connected to the Libby mine. The government program doesn’t have this independent verification process. Applicants merely have to submit information from their own doctor certifying they had asbestos-related disease.
Source: kaiserhealthnews.org

MHANJ Offers Free Medicare Benefits Counseling through “SHIP”

Posted by:  :  Category: Medicare

20090418jb_EFCAcanvassingPA_30 by SEIU InternationalCounseling is free, objective and confidential and encompasses assistance with questions about Medicare, Medigap, Medicare Advantage, Medicare Part D, Long-Term Care Insurance and Dual-Eligibility. Sessions are conducted by telephone so that travel is not necessary.       
Source: mhanj.org

Video: Saving Medicare: Free Market Reforms Are Better than Bureaucratic Rationing

Free Medicare Counselling

The Monmouth County Connection is located adjacent to the Home Depot and across the street from Walmart in Neptune.  This new office of Monmouth County government offers a variety of services including passports, passport photos, free notary public, veterans’ IDs, election/voter information, senior and veterans’ services, public access computers and more.
Source: patch.com

Lapham Center offers free legal, Medicare, financial services

Attorney Michael Nedder of Nedder and Associates, LLC comes to the center one Tuesday each month for private, 15-minute legal consultations. He can answer questions about powers of attorney, trusts, wills, guardianships, living wills, IRA custodianships, and more. Appointments are held to strictly 15 minutes. Call 203-594-3620 to schedule an appointment in February.
Source: ncadvertiser.com

New insights into the 3.8% Medicare surtax

Here’s the whole story: Effective Jan. 1, 2013, the 3.8% Medicare surtax applies to the lesser of “net investment income” (NII) or the amount by which modified adjusted gross income (MAGI) exceeds a threshold of $200,000 for single filers and $250,000 for joint filers. For example, if you’re a joint filer and have annual NII of $100,000 and a MAGI of $300,000 in 2013, you must pay a surtax of $1,900 (3.8% of the $50,000 above the MAGI threshold of $250,000). For estates and trusts, the surtax applies to the lesser of undistributed NII or adjusted gross income (AGI) above the taxable income threshold for the highest tax bracket.
Source: businessmanagementdaily.com

Understanding Paul Ryan’s Medicare reform plan in three minutes

The federal government will determine the minimum level of benefits that all plans must offer. The premium-support payment is capped at the growth of GDP, plus 0.5 percent. The subsidy will be adjusted based on the income level of the consumer.
Source: constitutioncenter.org

Police officers receive LEAH’s free medicare

LEAH Charity Foundation took her ‘Clinic-on-Wheels’ Initiative to the Police Officers’ Mess, Ilorin on the 30th of January 2013. Several Police Officers benefited from this Initiative. Routine checks were carried out on the personnel while they were assessed by doctors who prescribed drugs that were administered right there. One of the highlights of the day was the eye tests and free medicated glasses that were issued out to the officers as needed. The health team of LEAH Charity Foundation attended to a total of 69 officers.
Source: leahcharityfoundation.org

Deputy gov partners students on free medicare

Luka, however, commended the foresight of the University of Jos branch of NASAPS in coming up with the idea of the free medical exercise in conjunction with his office and charged the students to think of making the free medical exercise an annual ritual and assured that government will key into the idea.
Source: nationalmirroronline.net

Altamonte Springs Residents May Qualify for Free Medicare Advantage Plan health club membership

I am a mom of three teenage boys. Our family has struggled with multiple chronic health issues for many years. It was for this reason that I became interested in Xocai healthy chocolate. Our entire family eats healthy chocolate every day as a supplement and I am currently losing weight with the Xocai X-protein meal shake. I have struggled with Fibromyalgia for over 10 years. If you are struggling with your health, you owe it to yourself to check this out. This is the best way I have found to incorporate significant antioxidants into our diet. Feel free to email me if you have any questions. I look forward to hearing from you!
Source: healthchocoholic.com

House Oversight Committee Release Report on NY Medicaid Program

Posted by:  :  Category: Medicare

Giorgio vs. Medicare by Alex.T.NYSUT President Dick Iannuzzi joins us to talk about their lawsuit challenging the 2% property tax cap – And Brian Sampson of Unshackle Upstate makes the case for keeping the tax cap. – Newly elected state senator Brad Hoylman joins us for our Fresh Faces series – Gates Town Supervisor Mark Assini tells us why he thinks the Governor’s pension smoothing plan doesn’t add up
Source: ynn.com

Video: New York: Medicare Fraud Summit Remarks (DOJ)

Therapy Plateau No Longer Ends Coverage

Beneficiaries also often lose Medicare coverage for outpatient therapy because they hit the payment limit. But under the exceptions process Congress continued for another year, the health care provider can put an additional code on the claim that indicates further treatment above the $1,900 limit is medically necessary. When treatment costs reach $3,700, the provider can submit medical documentation to support a request for another exception to cover 20 more sessions. (A Medicare fact sheet provides some additional details, but has not been updated for 2013.)
Source: nytimes.com

Daily Report: Medicare Is Faulted on Shift to Electronic Records

The report says Medicare, which is charged with managing the incentive program that encourages the adoption of electronic records, has failed to put in place adequate safeguards to ensure that information being provided by hospitals and doctors about their electronic records systems is accurate. To qualify for the incentive payments, doctors and hospitals must demonstrate that the systems lead to better patient care, meeting a so-called meaningful use standard by, for example, checking for harmful drug interactions.
Source: nytimes.com

Everyone Has An Opinion About Dems’ NY Victory Impact On Medicare, Politics

New England Journal of Medicine: Bending the Cost Curve in Cancer Care Annual direct costs for cancer care are projected to rise — from $104 billion in 20061 to over $173 billion in 2020 and beyond. … Medical oncologists directly or indirectly control or influence the majority of cancer care costs, including the use and choice of drugs, the types of supportive care, the frequency of imaging, and the number and extent of hospitalizations. Here, we respond to Brody’s challenge by suggesting five changes in medical oncologists’ behavior and five changes in their attitudes and practice that will bend the cancer-cost curve downward (Drs. Thomas J. Smith and Bruce E. Hillner, 5/26).
Source: kaiserhealthnews.org

Do Republicans Want to Cut Medicare?

The Republican positioning on Medicare has set the tone for the current budget impasse. Obama is asking for $1.6 trillion in higher tax revenue. Republicans are demanding more spending cuts, but they won’t say how much they want, let alone what specifically they will cut. The current party thinking on Medicare, sanctified by Romney and Ryan, has defined itself as matching or even outspending Obama on Medicare for anybody aged 55 and up. That would lock out any budget savings at all for the next decade, and make any savings roll in extremely slowly afterward.
Source: nymag.com

Grappling With Details of Medicare Proposals

Still, it’s clear the proposed changes would shift costs from the federal government to retirees. An early version of a Republican plan would have more than doubled out-of-pocket health expenses for older adults, to $12,500 in 2022, the Congressional Budget Office estimated. “All scenarios will require seniors to pay more,” said Robert Moffit, senior fellow at the Heritage Foundation, a conservative research organization in Washington. To think otherwise, he said, “is a fantasy.”
Source: nytimes.com

Meng to NY: Medicare is safe with me

Republican designs for Medicare would harm today’s seniors immediately. Republicans seek to re-open the prescription drug donut hole, eliminate coverage for preventive care, cut Medicaid, and eliminate the guaranteed benefits of the current Medicare system. Although Republicans claim that today’s seniors could retain the traditional Medicare option, this is a false promise because traditional Medicare would collapse as the new private insurers cherry pick the younger seniors, on whose premiums traditional Medicare relies in order to offset the costs of providing for the sick.
Source: queens-politics.com

AIDS Healthcare Foundation

As a result and on the heels of a recent pricing agreement on Gilead’s new four-in-one AIDS tablet that was reached with the ADAP Crisis Task Force (ACTF) of the National Alliance of State & Territorial AIDS Directors (NASTAD) on behalf of the nation’s hard-hit network of AIDS Drug Assistance Programs (ADAPs), officials from AHF pressed Gilead to similarly lower the price for Medicaid, Medicare, private insurers and other payors that otherwise face Gilead’s steep price tag for the new medication. AHF officials also sent letters to private insurers and state health department directors nationwide urging that those programs exclude Stribild from their drug formularies if the drug was not priced price-neutral to Atripla. On September 14, 2012, Janet Zachary-Elkind, Deputy Director, Division of Program Development & Management for the New York State Department of Health responded via letter noting that, “At this time, Stribild is not covered by the Medicaid program,” and that the state is also, “…evaluating coverage options and possible prior authorization requirements to ensure the product is utilized in a medically appropriate and cost effective manner…”
Source: aidshealth.org

Brooklyn, N.Y., Clinic Employee Pleads Guilty in Connection with $71 Million Medicare Fraud Scheme

Khandrius was an employee of a clinic in Brooklyn that operated under three corporate names: Bay Medical Care PC, SVS Wellcare Medical PLLC and SZS Medical Care PLLC (Bay Medical clinic).  According to court documents, owners, operators and employees of the Bay Medical clinic paid cash kickbacks to Medicare beneficiaries and used the beneficiaries’ names to bill Medicare for more than $71 million in services that were medically unnecessary or never provided.  The defendants billed Medicare for a wide variety of fraudulent medical services and procedures, including physician office visits, physical therapy and diagnostic tests.
Source: geyergorey.com

Privately Run Medicare Plans are Really Expensive

Austin Frakt draws my attention today to a new article about the administrative costs of Medicare. Exciting stuff! Long story short, Kip Sullivan of the Minnesota chapter of Physicians for a National Health Program wants everyone to understand just what’s involved in figuring out the true administrative costs of Medicare. The cost of collecting payroll taxes is one frequently overlooked element, for example. More interestingly, though, there’s a large and growing gap between the overhead calculations of the Medicare Trustees and those of the National Health Expenditure Accounts. Why is that?
Source: motherjones.com

BlueCross BlueShield of IL Changing Medicare Supplement Rates

Posted by:  :  Category: Medicare

BlueCross BlueShield of IL announced a rate increase for most Medicare Supplement/Medigap customers effective March 1, 2013. In addition to the rate increase, changes have been made to the way BlueCross BlueShield of IL sets attained-age premiums. BCBSIL has switched from age bands to different rates for each age. In the past, BCBSIL had the same rate for the same Medigap plan for age groups, like 65-67; now, each age has its own premium rate. The change from age bands to single age rates will cause a few premiums to actually be lower after March 1, 2013 than they are now. For most people though, premiums are increasing.
Source: bcmil.com

Video: Blue Cross Medicare Supplement – Affordable or Not?

Newsroom – Blue Cross Blue Shield of Michigan broadens Medicare options with new Medicare Advantage PPO product

October 1 is the first day BCBSM and Medicare Advantage carriers across the nation can market their Medicare Advantage products for 2010. Beneficiaries in BCBSM Medicare Advantage products will receive letters in the next 10 days about the new product line-up. "Blue Cross remains fully committed to providing products to Medicare beneficiaries and will continue to have the broadest array of Medicare Advantage products in the state," said Mark Owen, BCBSM vice president for federal and individual business. "It’s important for Medicare beneficiaries to know that there is no immediate change to their coverage. They have until the end of the year to make their selection for 2010." In addition to the three BCBSM products for 2010, seniors also can select from three Medicare Advantage products offered by Blue Care Network, the BCBSM-affiliated HMO. "We will be working with insurance agents and other groups across the state to reach out to Medicare beneficiaries to help them navigate these product and premium changes," said Owen. Seniors who meet low income guidelines can receive subsidies from the state and/or federal government to pay for all or part of their premiums. Medicare Advantage premiums vary by product and region. The new PPO product is expected to provide beneficiaries with value for their premium. For example, the BCBSM Medicare Plus Blue PPO, which includes Part D prescription drug coverage, will cost between $61 and $141 a month (premiums vary by geographic region), while traditional BCBSM Medicare Supplemental (Medigap) Plan C plans cost $183 when combined with a stand-alone Part D BCBSM prescription drug program. Medicare Advantage plans offer Medicare benefits through private health insurance plans and most include Part D prescription drug coverage. When you purchase a Medicare Advantage plan, you do not need to also purchase a Medigap policy. Medicare Advantage plans are regulated solely by the federal government, while Medigap plans are regulated by the state. The announced product changes are only for Medicare beneficiaries who directly purchase their Medicare Advantage products, not for beneficiaries enrolled in a group plan. Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.
Source: bcbsm.com

Medicare Open Enrollment: Independence Blue Cross

Do you have all of your questions answered about Medicare?  Before Open Enrollment ends on December 7, come learn about one of the plan options in the Medicare Program: Independence Blue Cross. Tina Garrity of Senior Advisors Group will give a presentation on Blue Cross Medicare Advantage and Medicare Supplemental Plans. She will highlight the plan benefits and changes for 2013. Through Senior Advisors, Ms. Garrity represents over 20 companies such as: Aetna, AARP, Mutual of Omaha, Central States Indemnity, Humana, Independence Blue Cross Medicare Advantage and Medicare Supplemental Plans  and many more.  While her presentation will focus on Independence Blue Cross, she can answer questions about the difference between plans and about program participant’s Medicare Advantage plan, Supplemental (Medigap) plan, or their Part D Stand Alone Prescription Drug plan. This program is free and open to the public.  Registration is not required, but highly recommended. This program will be repeated on Tuesday,  November 27 at 7:00 pm
Source: patch.com

How Does Blue Cross Medicare Crossover Work?

Blue Cross offers the following program choices: Blue Cross Plus, Blue Cross PPO, High Option Supplement to Medicare and Core. Blue Cross Medicare Crossover is an option for all Blue Cross programs. The Blue Cross Medicare Crossover system allows Medicare to directly provide Blue Cross access to a person’s explanation of benefits (EOB), so that neither the individual nor the provider needs to file a separate claim with the insurance carrier after sending a claim to Medicare. The Blue Cross Medicare Crossover system simplifies the procedure. Under the new Blue Cross Medicare Crossover system, most claims are automatically sent to Blue Cross.
Source: seniorcorps.org

The Blue Cross Medicare Phoenix AZ Locals Rely On

Having the blue cross medicare phoenix az residents know is the best will help make sure retirees get the healthcare resources they need. Medicare is an awesome resource that is offered to seniors in exchange for a lifetime of hard work. Anyone that has earned ten years of social security credit, is over 65, and is a citizen, qualifies for the free healthcare coverage. As people get older, it gets more difficult for the body to stay healthy. Organs and bones degrade and there is more exposures to sickness and disease. Dealing with these health problems significantly impacts the quality of life in later years. A good program will improve the quality of life and will help people live as long as possible.
Source: originalsourceenergy.com

Blue Cross Blue Shield of North Dakota sponsoring free Medicare workshops for seniors

The workshops will be held in Grand Forks on Oct. 15, Bismarck on Oct. 17, Fargo on Oct. 18 and Minot on Oct. 23. The workshops are free and open to all North Dakotans who are eligible or soon to be eligible for Medicare. Seniors are encouraged to register for one of the free workshops online at www.medicareworkshopsnd.com or by calling 1-888-235-3905. The first 25 to register for one of the workshops will receive a free pedometer.
Source: bcbsnd.com

Blue Medicare Advantage: Blue Cross Blue Shield of Illinois

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

Physicians and Experts Discuss Medicare Reform

A senior official from Blue Cross Blue Shield of Massachusetts Tuesday said trying to find significant health care savings by cutting benefits is a “fool’s errand.” Dana Safran said the effort in her state has shown that greater savings can be achieved through the supply side of health services. She spoke at an event on Medicare costs and outcomes hosted by the National Journal in Washington. The discussion looked at ways to end Medicare’s current structure, which pays based on the quantity of services provided rather than the health of the patient.
Source: c-span.org

Anthem Blue Cross Blue Shield Medicare Supplement Plans Are Affordable…

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

Health Supplement: Anthem Blue Cross Medicare Supplement Plans

Over seventy years of Blue Cross; since 1937. While much has changed in the short span of seven decades, two things have remained constant; our original business philosophy of putting customers first and our commitment to innovation and progress. We are a leader in senior health care and are continuing to build on our tradition of developing innovative products that offer choice, quality, and health security for California seniors. We offer more plans than ever before, including traditional Medicare Supplement plans, a Medicare Advantage HMO and a New PPO plans called Freedom Blue. We also offer prescription drug and dental plans, and products that can help you protect your financial future, like Long Term Care Insurance and Life Benefits Final Expense Whole Life Insurance offered by Blue Cross of California. 
Source: blogspot.com

Anthem Blue Cross Medicare Supplement

Over seventy years of Blue Cross; since 1937.  While much has chanced in the short span of seven decades, two things have remained constant; our original business philosophy of putting customers first and our commitment to innovation and progress.  We are leaders in senior health care and are continuing to build on our tradition of developing innovative products that offer choice, quality, and health security for our seniors.  We offer more plans than ever before, including the new Modernized Medicare Supplement plans, Medicare Advantage HMO plans, and the very popular
Source: johnconner.com

Understanding Paul Ryan’s Medicare reform plan in three minutes

Posted by:  :  Category: Medicare

Old people read alone... by Ed YourdonThe federal government will determine the minimum level of benefits that all plans must offer. The premium-support payment is capped at the growth of GDP, plus 0.5 percent. The subsidy will be adjusted based on the income level of the consumer.
Source: constitutioncenter.org

Video: Humana “Grandparents” TV Ad

Melgen, Menendez throw spotlight on Medicare, Medicaid fraud

“Normally, federal searches of businesses occur during the day during normal business hours. The fact that this search began on Jan. 29 and lasted some thirty-plus hours and ended Jan. 30, tells us the scope of this search was major,” Ken Boehm, chairman and cofounder of the National Legal and Policy Center, said by email. “Also, the presence of crow bars and drills would seem to indicate that materials being sought were locked up. By any conventional yardstick, all of this activity tells us this is a very serious investigation.”
Source: freebeacon.com

Another Reason We Need Medicare for All

This builds upon previous research that shows the Great Recession has seriously impacted older Americans’ ability to retire. An estimated 62 percent of working Americans now report they’re planning to put off their retirement — up from 42 percent in 2010 — largely due to job losses and financial insecurity. These issues go hand-in-hand particularly because, as health care costs continue to rise, Americans are increasingly worried about being able to afford their insurance coverage…
Source: politicsplus.org

Turning 65: It Was Time for Medicare

This is the first in a series of posts that examine the process of signing up for Medicare, navigating its rules, choosing supplemental coverage and planning for health care in a program with a very uncertain future. Finally, it was time to sign up for Medicare after 23 years of writing about the subject as a journalist and giving advice to others. It was a coming of age, so to speak. Over the years reporting for a number of publications I had become sort of an expert on the program’one of the most complicated and complex the federal government has to offer. Medicare is wildly popular with beneficiaries for good reason. Without it, they would not get health care. But popularity is not the same thing as understanding, and lack of knowledge of how Medicare actually works has made seniors a juicy target for unscrupulous sales people and medical providers expert at scamming the system. Medicare was never simple; it was intricately designed to satisfy insurers and doctors who opposed its creation. In the last six years, it has become even more complicated. This complexity stems in part from the fact that Medicare was never meant to cover all of someone’s health expenses. In 2006, Medicare covered less than half of a recipient’s total spending for medical and long-term care expenses. Seniors paid on average 25 percent of their total health care expenses including premiums, deductibles and out-of-pocket spending. How to cover those gaps is the first and most important decision anyone makes after signing up for Medicare. It was no different for me. Many seniors have more than 100 possible ways to cover these gaps. I had almost that many. Where to begin? The first decision was whether to get all my basic Medicare benefits’hospital, doctor visits, lab services—from what’s called original or traditional Medicare or from a Medicare Advantage plan. Medicare Advantage (MA) plans work much like old-fashioned HMOs. For a fixed payment from the government, health plans and providers agree to accept Medicare Advantage rates. In the last few years, those payments have been so high, MA plans have been able to throw in some extra benefits like dental or vision care. The downside is you have to use doctors in the plan’s network. I would have to be comfortable with that. If I chose original Medicare, that would mean selecting either a Medigap policy or keeping my retiree health plan from a former employer. Both of these options would cover the gaps in benefits under Medicare Part A, which pays for hospital stays and under Part B, which covers physician and outpatient care. They would cover most out-of-pocket expenses arising from those services. Prescription drug coverage, known as Medicare Part D, added more complexity to my decision. If I kept my retiree plan, I would be able to continue the drug benefits I have now. If I chose a Medigap policy, I would have to buy separate drug coverage through what’s called a stand-alone ‘prescription drug plan.’ If I elected to enroll in an MA plan, drug coverage would be included in the benefit package. Each option came with advantages and disadvantages, which is the case for everyone signing up for Medicare. My goal was to find the option with the best coverage at the best price, and the one that offered the most long-term stability given the political upheaval surrounding Medicare itself. I began with some questions.
Source: cfah.org

Newsroom – Blue Cross Blue Shield of Michigan broadens Medicare options with new Medicare Advantage PPO product

October 1 is the first day BCBSM and Medicare Advantage carriers across the nation can market their Medicare Advantage products for 2010. Beneficiaries in BCBSM Medicare Advantage products will receive letters in the next 10 days about the new product line-up. "Blue Cross remains fully committed to providing products to Medicare beneficiaries and will continue to have the broadest array of Medicare Advantage products in the state," said Mark Owen, BCBSM vice president for federal and individual business. "It’s important for Medicare beneficiaries to know that there is no immediate change to their coverage. They have until the end of the year to make their selection for 2010." In addition to the three BCBSM products for 2010, seniors also can select from three Medicare Advantage products offered by Blue Care Network, the BCBSM-affiliated HMO. "We will be working with insurance agents and other groups across the state to reach out to Medicare beneficiaries to help them navigate these product and premium changes," said Owen. Seniors who meet low income guidelines can receive subsidies from the state and/or federal government to pay for all or part of their premiums. Medicare Advantage premiums vary by product and region. The new PPO product is expected to provide beneficiaries with value for their premium. For example, the BCBSM Medicare Plus Blue PPO, which includes Part D prescription drug coverage, will cost between $61 and $141 a month (premiums vary by geographic region), while traditional BCBSM Medicare Supplemental (Medigap) Plan C plans cost $183 when combined with a stand-alone Part D BCBSM prescription drug program. Medicare Advantage plans offer Medicare benefits through private health insurance plans and most include Part D prescription drug coverage. When you purchase a Medicare Advantage plan, you do not need to also purchase a Medigap policy. Medicare Advantage plans are regulated solely by the federal government, while Medigap plans are regulated by the state. The announced product changes are only for Medicare beneficiaries who directly purchase their Medicare Advantage products, not for beneficiaries enrolled in a group plan. Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.
Source: bcbsm.com

Bowles and Simpson Still Want to Cut Your Medicare and Social Security

What is new is that their plan now calls for another $2.4 trillion in deficit reduction. While they acknowledge roughly $2.7 trillion in deficit reduction has been adopted since their last plan, they are now claiming we need $5 trillion instead of $4 trillion in deficit reduction. Effectively, the main goal of this new plan is to try to shift the goalposts.
Source: firedoglake.com

The American Taxpayer Relief Act of 2012

Mark Wisniewski has solid experience in corporate and tax law, and his practice currently focuses on federal tax planning involving the use of closely held partnerships, corporations, and limited liability companies. Throughout his career, Mark has provided insights and guidance to entrepreneurs, business owners and managers in a wide range of corporate law. With a bird’s eye view of the entire business, Mark handles a wide array of needs, including corporate transactional work, acquisitions and dispositions of businesses, as well as client restructuring of family business entities for estate planning and gifting purposes.
Source: shuffieldlowman.com

La Jolla cancer doc pleads guilty to Medicare fraud

I am a retired RN educator, & I am in disbelief about this. How is your mother doing? What is happening with his practice? Is he still in his office, or is someone covering for him? It is unbelievable that this is only a misdemeanor, & his only punishment is likely to be forfeiture of $$ for both of his charges (including Medicare fraud). No mention of nurses in the practice who knew about it. If so, I hope they are charged also. Hoping for the best with you mother, & let me know if I can help in any way. Gretchen Carter, RN, BSN, MSN
Source: fox5sandiego.com

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

Posted by:  :  Category: Medicare

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

Video: Choosing a Medicare Supplement Policy in 2011

Is it too late to change my Medigap/Medicare Supplement for 2013?

If you are 65 or older and have been on Medicare Part B for longer than 6 months, you will most likely have to answer some health questions as part of the application process for a new Medicare Supplement/Medigap policy.  The majority of people have no trouble qualifying for a new policy, and usually an agent or broker can tell in the first conversation whether or not you will qualify.  Illinois also has a few companies that have guaranteed issue Medicare Supplements.  These companies never ask health questions of any applicants and will issue a policy to everyone who applies.
Source: bcmil.com

What is Medicare Supplemental Insurance Open Enrollment, And Why Is It Important For Me?

During open enrollment, your right to purchase a Medicare supplement policy is guaranteed, no matter your health condition or past medical history. Insurers cannot refuse to offer you a policy. You also cannot be asked to pay a higher premium because of insurance risks you may bring to the table. For example, a smoker will pay the same premiums as a non-smoker. There is no medical screening for applicants during the open enrollment.
Source: kurafire.net

Plans Medicare, Medicare Advantage, and Medicare Supplement

is when politicians Medicare supplement Medicare supplement policy to go to fill the gaps in the traditional cover Medicare. There are many different types of Medicare supplement policies. Currently, they are designated by the letters L, although M through P will be introduced in the coming years. Each of these programs has different Medicare supplement combination of benefits, including services, premiums, deductibles, etc. Therefore, it is important that consumers shop around carefully to find out what Medicare supplement policy will best meet their needs. Many of these strategies Medicare supplement and help cover the cost of the recipe, which is part of the traditional D Medicare.
Source: kameran-iraq.com

Medicare Supplement Insurance coverage

When you utilize a web site to obtain Medicare Supplement Insurance, all you have to do is complete a form that asks basic details such as your gender Prograde supplements and age.  You will see distinct insurance policies from varying providers and you will be able to assessment the costs and policy figures from each and every provider.  In the finish you can select the insurance coverage policies that give what you need to have and that are financially sound.
Source: pakchom.net

Are Medicare Supplement Insurance Policies A Must

If you are switching over from a private insurance plan, or an employer group plan, then you have probably been used to having little if any out-of-pocket expenses. Adding a supplemental insurance plan to your basic Medicare coverage is a good idea. For those people taking monthly medications, Medicare Plan D is almost a must, as some medications run into the hundreds of dollars every month. Think about your overall health when deciding on additional coverage, and the ultimate cost involved.
Source: seniorcorps.org

Policy Store Top 5 Medicare Supplemental Insurance Picks!

3.) Supplementtomedicare.com– A website designed to fulfill your every Medicaresupplemental insurance needs! Supplement to Medicare is certain that they are able to support you in finding the best Medicare Supplemental insurance policy for you. Not to mention, they are there for you 7 days a week. Should you have a question or concern, you have the option of calling an agent to help you. Supplementtomedicare.com is a website who is proud to be there for their customers.
Source: globenewswire.com

Medicare Supplement Plans

Each Medigap plan is given an individual letter and there are ten plans in total.  The letters are not in direct alphabetical order (A-J) because plans that were once available have been retired and then they labeled the new plans with the next letter in the alphabet so as not to create confusion for people who were allowed to keep their old plan under the grandfather rule.  The plans can cover as few as four and as many as all nine of the gaps that are left by Medicare Part A and Medicare Part B.  The Gaps in Part A and Part B are:
Source: futafriends.org

Medicare Supplement Phone Sales

I sell med supps exclusively by phone. What I can tell you is there is a crazy amount of companies offering medicare supplements, and a lot of companies only operate in certain states. 47 states would just hinder your production with out a team of agents, as opposed to just focusing on 3-4 states. Most states you’ll have two or three companies worth writing depending on their situation and you’ll just be replacing everything else for the most part.
Source: insurance-forums.net

Explaining Medigap Insurance

•Medigap policies are identified by letters A through N and insurance companies in most states can only sell you a standardized policy. What this means, for example, is that a Plan F policy will offer the same basic benefits, no matter which insurance company offers it. Therefore it pays to shop around, as cost is usually the main difference between Medigap policies sold by different insurance companies. However, when shopping around for coverage remember that the best medicare supplement for you is not just the cheapest one. You also want to factor in the reputation and service offered by the insurance carrier.
Source: themhnews.org

Medicare Supplement Plans ARE created equal Medicare Supplement Insurance

The price, or commissions a company wishes to embed within the price, is the only difference between a Plan F from Company A or Plan F from Company B. The benefits are all the same. Today, all companies utilize electronic claims payment. They absolutely MUST pay the bill on Medicare-approved claims. While it is important to shop with “A” rated carriers for strength, it is equally important that seniors not fall in love with a brand name with Medicare Supplement insurance. Why? Because a policy with one company does not pay any more benefits than the policy with the lesser known company brand. They all function exactly the same.
Source: lifelonginsurance.com

All About Medicare Supplement Insurance!

Yes to ensure that your health insurance is complete, you need to have a combination of both the Medicare services as well as the Medicare supplement insurance services. Do not just go about buying the maximum number of Medigap policies. There are 12 standardized policies there for you. Ascertain first of all, which services you really need. Go through all the plans and ascertain which one you will have the most and best coverage for you. Of course you must be sure of your decision. Most of the times, agents will try to take you to the more expensive plans. Make sure you have just that very standardized plan that you need. Get the best deal out of the health insurance industry.
Source: wordpress.com

Medicare Supplement Phone Sales

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSI sell med supps exclusively by phone. What I can tell you is there is a crazy amount of companies offering medicare supplements, and a lot of companies only operate in certain states. 47 states would just hinder your production with out a team of agents, as opposed to just focusing on 3-4 states. Most states you’ll have two or three companies worth writing depending on their situation and you’ll just be replacing everything else for the most part.
Source: insurance-forums.net

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

Approach to Treating Risks with Medicare Supplement Insurance

Other losses can obviously be ignored by refraining from activities in which risk and uncertainty exist. The chance of injury from the motorcycle accident is going to be avoided by refraining from the use; premature loss of life or injury could be avoided by abstaining from activities seen as a a high degree of risk; for example, www.socialsecurity.gov/pubs/10043.html skydiving, automobile racing, or participating in other hazardous sports activities. In this connection it might be noted that health risks may be avoided by abstinence from habits considered bad for health such as smoking or unneccessary use of alcohol, and so on.
Source: frdm.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

Medicare Supplement Insurance coverage

When you utilize a web site to obtain Medicare Supplement Insurance, all you have to do is complete a form that asks basic details such as your gender Prograde supplements and age.  You will see distinct insurance policies from varying providers and you will be able to assessment the costs and policy figures from each and every provider.  In the finish you can select the insurance coverage policies that give what you need to have and that are financially sound.
Source: pakchom.net

How hospice and Medicare supplements work together

Children who are intervening with parents’ affairs are often confronted with keeping Medicare Supplement insurance while Hospice pays the majority of expenses, sometimes making the supplement unnecessary.  You should be aware that there are some expenses, like medical equipment and prescription drugs, that are not covered by Hospice.  These services are then covered 80/20 by Medicare and the supplement.  The risk you run is if you drop the supplement, you are then paying the 20% yourself.
Source: medicareplansstcharles.com

All About Medicare Supplement Insurance!

Yes to ensure that your health insurance is complete, you need to have a combination of both the Medicare services as well as the Medicare supplement insurance services. Do not just go about buying the maximum number of Medigap policies. There are 12 standardized policies there for you. Ascertain first of all, which services you really need. Go through all the plans and ascertain which one you will have the most and best coverage for you. Of course you must be sure of your decision. Most of the times, agents will try to take you to the more expensive plans. Make sure you have just that very standardized plan that you need. Get the best deal out of the health insurance industry.
Source: wordpress.com

Cancel Medicare Advantage

Because of their flexibility, the ability to move states and the fact that the insurance company cannot change the plan are just a few of the reasons we prefer Medicare Supplement Insurance Plans to MAPD. If you would like to hear more about the reasons a Medicare Supplement can be a better fit for your insurance, please fill out the short form at the top of the page and one of our experts will get you a new medicare supplement quote and help explain how you can save the most off your medicare cost.
Source: medicarecost.net

Los Angeles Medicare Supplement

I recommend seniors turning 65 to enroll in a Plan F because the rates are relatively good at that age, and they can always switch to a lower coverage plan, every year on their birthday. Another popular plan to consider is Plan N. Plan N has great rates, but you will have some cost sharing on this plan. You will have to pay co-pays, deductibles and co-insurance with Plan N.
Source: healthbrokerdave.com

Finding a Medicare Insurance Supplement Provider

A variety of insurance agencies offer medicare supplemental insurance, from large, national chains to small, specialized medicare insurance companies. Going with either company has its own benefits and drawbacks. For those with many types of insurance, a larger company may be able to bundle all policies into a package. For those who simply want to save the most money on medigap coverage, a smaller, more specialized company may be able to deliver cheaper prices.
Source: seniorcorps.org

Explaining Medigap Insurance

•Medigap policies are identified by letters A through N and insurance companies in most states can only sell you a standardized policy. What this means, for example, is that a Plan F policy will offer the same basic benefits, no matter which insurance company offers it. Therefore it pays to shop around, as cost is usually the main difference between Medigap policies sold by different insurance companies. However, when shopping around for coverage remember that the best medicare supplement for you is not just the cheapest one. You also want to factor in the reputation and service offered by the insurance carrier.
Source: themhnews.org

Privately Run Medicare Plans are Really Expensive

Posted by:  :  Category: Medicare

ROBERT L. HUFFSTUTTER'S HEALTHCARE PLAN FOR AMERICA by roberthuffstutterAustin Frakt draws my attention today to a new article about the administrative costs of Medicare. Exciting stuff! Long story short, Kip Sullivan of the Minnesota chapter of Physicians for a National Health Program wants everyone to understand just what’s involved in figuring out the true administrative costs of Medicare. The cost of collecting payroll taxes is one frequently overlooked element, for example. More interestingly, though, there’s a large and growing gap between the overhead calculations of the Medicare Trustees and those of the National Health Expenditure Accounts. Why is that?
Source: motherjones.com

Video: Understanding Medicare Advantage Plans

Experts Discuss Basics of the Medicare Program

Panelists included: Centers for Medicare & Medicaid Services Deputy Administrator Jonathan Blum; Juliette Cubanski, associate director in the program on Medicare Policy at the Kaiser Family Foundation; and Sheila Burke, adjunct lecturer in public policy at Harvard’s Kennedy School of Government.
Source: c-span.org

OIG Calls for Improvements to Medicare Parts C & D Benefit Integrity Activities : Health Industry Washington Watch

The OIG recently identified barriers to the effectiveness of the Medicare Drug Integrity Contractor (MEDIC) in performing Medicare Parts C and D benefit integrity activities between April 2010 and March 2011. For instance, the MEDIC reported that it does not have access to centralized Part C data, it lacks access to certain prescription drug event data, and there is no mechanism to recover payments from Part C or Part D plan sponsors when law enforcement agencies do not accept these cases for further action. Moreover, while the MEDIC has benefit integrity responsibility for both Medicare Parts C and D, the OIG determined that Part C investigations and case referrals represented a small percentage of its activities (only 8% of investigations and referrals involved Part C only; the majority were Part D only). The OIG makes a series of recommendations to, among other things: improve the data available to the MEDIC (including information from pharmacies, physicians, and pharmacy benefit managers); expand the ability of the MEDIC to recover payments from Part C and Part D plan sponsors; and require Part C and Part D plan sponsors to refer potential fraud and abuse incidents to the MEDIC. For details, see the full report, MEDIC Benefit Integrity Activities in Medicare Parts C and D.
Source: healthindustrywashingtonwatch.com

The ABCD’s of Medicare

Part D Tip: Each year since 2010, the donut hole amount has been reduced by 10%. It will continue to go down 10% each year until it disappears in 2020. Then, you will only pay your normal 25% coinsurance after you reach your deductible. Coinsurance means Medicare pays 75%, you pay 25%. Since it’s 2012, and you still have a donut hole, the government has negotiated with brand name drug manufacturers to offer 50% off some prescriptions. Check with your local pharmacy to see if the discount applies to your medications.
Source: hoopayz.com

ABCs of Medicare: What is Part C?

Note: It’s Time! Medicare Open Enrollment is the time of the year beneficiaries have to review plan options and ask questions about different plans. This period runs from October 15-December 7, 2012. The National Hispanic SMP (NHSMP) encourages you to consider reviewing your Medicare drug or health care plan, but it is not mandatory. For more information, visit www.medicare.gov or call 1-800-MEDICARE (1-800-633-4227).
Source: nhcoa.org