How the Sequester Could Affect Social Security, Medicare and More

Posted by:  :  Category: Medicare

What could happen to my retirement investments? That’s anyone’s guess. Many Wall Street analysts think the stock market will tumble as a result of the projected decline in gross domestic product — and the gridlocked situation in Washington. Others, though, think the markets will show little change — and even improve in the long run. So, depending on where your money is, this could have different effects on your portfolio. Still, all this is highly speculative at this point.
Source: aarp.org

Video: Medicare Coverage In South Dakota by 1 800 MEDIGAP®

Bipartisan Bill Would Repeal Medicare Hospital Payment Loophole

Sens. Claire McCaskill (D-Mo.) and Tom Coburn, MD (R-Okla.), have introduced a bill that would sunset Section 3141 of the Patient Protection and Affordable Care Act — a controversial provision that sets the Medicare hospital wage index floor for the entire country. Under Section 3141, the Medicare hospital wage index is adjusted so that a state’s urban hospitals must be reimbursed for wages paid to physicians and staff at least as much as rural hospitals. These reimbursements for hospital wages also come from a national pool of money, meaning that if one state receives higher Medicare wages, it will come at the expense of another state. In January, 20 state hospital associations — Alabama, Arkansas, Delaware, Georgia, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, North Carolina, Ohio, Oklahoma, Oregon, South Carolina, South Dakota, Virginia, West Virginia and Wisconsin — as well as the National Rural Health Association wrote a letter (pdf) to the White House arguing this provision is decimating their Medicare reimbursements.   A Boston Globe report found that Massachusetts had received an estimated $367 million in additional Medicare funding due to Section 3141 because the state’s only rural hospital — Nantucket (Mass.) Cottage Hospital, based in an affluent area with a high cost of living — set an inordinately high floor for wage reimbursements. In total, nine states received higher Medicare wages under the provision, while the remaining 41 lost Medicare funds. Sens. McCaskill and Coburn called the provision “unfair” and said it only benefited hospitals in some states to the disadvantage of many others.
Source: beckershospitalreview.com

Mathematica Policy Research

Disability  Early Childhood  Education   Family Support     Health      International      Labor         Nutrition   
Source: mathematica-mpr.com

State awards $278,000 to 23 Rural Hospitals Including Dell Rapids

“Without the additional supplemental financial assistance we receive from this program, we would not have been able to implement the programs and processes we currently have in place,” said Jody Sternberg, RN, and Director of Patient Care Services at Platte. “This program makes a difference for critical access hospitals.”
Source: bigsiouxmedia.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

Health care reform’s impact on medical ministries uncertain

The Episcopal Church, through General Convention legislation, has called for universal access to health care, and 94 percent of the church’s domestic dioceses participate in the denominational health plan. Resolution A040, approved by General Convention in Indianapolis in 2012, directed that “every member of the Episcopal Church make a moral commitment to health care for all, by actively supporting health care reform in the United States.”
Source: episcopaldigitalnetwork.com

Noem Sacrifices Seniors for Tax Cuts for the Wealthy

“According to the Social Security trustees, the benefit for a medium wage earner who first starts collecting benefits at age 65 in 2030 would be $32,200. (This adjusts the benefit projected by the Social Security trustees [$19,652 in 2010 dollars] for the 2.5 percent annual inflation rate assumed by CBO.) For close to 70 percent of seniors, Social Security is more than half of their retirement income. Most seniors will get a benefit that is less than the medium earners benefit described here since their average earnings are less than that of a medium earner and they start collecting Social Security benefits before age 65… Furthermore, the portion of income going to health care costs will increase through time according to the CBO analysis. This is due both to aging of individuals and to increasing health care costs through time. [Center on Economic and Policy Research, 4.6.11]
Source: sddp.org

Senior Benefit Services, Inc.

Effective October 1, 2012 on in force business only for United World 2010 Modernized Medicare Supplement plans (Policies effective on or after June 1, 2010) in Alabama and South Dakota and November 1, 2012 in Montana, the rate adjustments will affect plans  A, B, F, G, and M.
Source: srbenefit.com

South Dakota Politics: Mendacity, Medicare, & Social Security

Given the trillion dollar plus deficits the United States is currently piling up each year, I am less confident than they are. But let us assume, arguendo, that they are right. Privately managed savings always involved a tradeoff between risk and returns. The savings are always invested in something that is expected to hold or increase its value. Someone hoping for a high return on his or her savings will have to accept a greater degree of risk. Someone wanting security will generally accept much lower returns. Privately managed accounts can pay returns because the money invested in a way that creates wealth, enough wealth to cover both the returns and to allow the managers to make a profit.
Source: blogs.com

Ask an Expert: All About Individual Health Insurance Plans

Posted by:  :  Category: Medicare

Maryland Health Insurance Plan Federal Press Announcement by MDGovpicsBuying a health insurance policy can be intimidating and scary. Not all health insurance policy types are right for everyone—usually the most expensive policy is the wrong policy for you. Why pay for maternity coverage if you don’t need it? Do you want to be able to go to any doctor without having to get a referral? Do you travel outside of your home state often? Are you a self-employed worker or independent contractor seeking the best plan for tax savings? These are all important questions you should know before you buy a plan. I can help answer your questions about your existing plan or steer you in the right direction regarding a new plan. I’m here to help for about an hour—ask away!
Source: lifehacker.com

Video: Individual Health Insurance and Family Medical Plans: PART 4

War On Women: ObamaCare Kicks Wives Off Husbands’ Health Plans

So at many companies, something has to go. Quite often, the rational response to rising health insurance costs is to drop spouses, more specifically wives, from insurance plans. Sometimes it’s the husbands who must go. But benefits experts have confirmed to MarketWatch that those who are kicked out of plans “tend to be women.”
Source: investors.com

Ensuring choice on the Minnesota Health Insurance Exchange

For a detailed rundown on what the exchange is, who would use it, how it would operate, and how much it will cost, you can read the House of Representatives’ session daily, charting the Minnesota Insurance Marketplace’s long road to the House floor. Stay tuned as these bills and amendments move through the Minnesota Capitol, and be sure your representative represents you!
Source: plannedparenthoodadvocate.org

Is Your ACA Health Insurance Rebate in the Mail?

The above article is intended to provide generalized financial information designed to educate a broad segment of the public; it does not give personalized tax, investment, legal or other business and professional advice. Before taking any action, you should always seek the assistance of a professional who knows your particular situation for advice on your taxes, your investments, the law or any other business and professional matters that affect you and/or your business.
Source: quickenblog.com

Uwe E. Reinhardt: Comparing the Quality of Care in Medicare Options

Posted by:  :  Category: Medicare

OOPS I THINK THE SHINE IS OFF THE PEACH ...........IT'S ABOUT TIME by SS&SSBoth traditional Medicare and Medicare Advantage plans are monitored annually through surveys of patients, using the Consumer Assessment of Health Care Providers and Systems, known in the trade as Cahps. The findings from this survey make it possible to compare traditional Medicare with Medicare Advantage plans on quality. As Medpac reports in Table 12-8 of Chapter 12 of the March 2012 report, the commission found little difference in the relatively few quality-performance scores of the traditional Medicare and Medicare Advantage plans.
Source: nytimes.com

Video: Medicare Advantage Plans Ratings | Medicare Part C

Higher quality rating for Medicare Advantage plan linked with increased likelihood of enrollment

“To inform enrollment decisions and spur improvement in the Medicare Advantage marketplace, the U.S. Centers for Medicare & Medicaid Services (CMS) provides star ratings reflecting Medicare Advantage plan quality. A combined Part C and D overall rating was created in 2011 for Medicare Advantage and prescription drug (MAPD) plans,” according to background information in the article. The star ratings incorporate data from several sources. “In 2011, MAPD star ratings ranged from 2.5 to 5 stars. Only 3 MAPD contracts received 5 stars; some were unrated because they were too new or small,” the authors write. “While star ratings clearly matter to insurers, it is unclear whether they matter to beneficiaries.”
Source: sciencecodex.com

Video: Medicare Advantage Cuts Will Impact Seniors By as Much as $90 Per Month

3rd Party Studies ACOs Admin Costs affordability Age Rating Cadillac Tax Delivery System Reform Employers Essential Benefits Exchanges GRP Health Insurance Tax Health Plan Innovations Health Plan Satisfaction House hearings House legislation KI MA Medical Prices Medical Tests medicare medigap MLR Morning Headlines Patient Safety premiums Profits Provider Consolidation Quality Rate Review Reform RZ Senate hearings Senate legislation Small Business The Link Vilification Waste Fraud and Abuse
Source: ahipcoverage.com

Insurers: Cuts to Medicare Advantage will hit poor, minorities

“Medicare Advantage is a lifeline for millions of low-income and minority Medicare beneficiaries who rely on the high-quality coverage and innovative programs and services these plans provide,” AHIP President and CEO Karen Ignagni said in a statement.
Source: thehill.com

Aging News Alert: Enrollment in Medicare Advantage Plans Affected by ‘Star Ratings’

A survey of more than 1 million Medicare beneficiaries who were either first-time enrollees or enrollees switching plans, finds a positive association between enrollment and publicly reported Medicare Advantage star ratings, which are supposed to reflect the quality of the plans.   Login to read the full story    1/16/13 2:21 PM  
Source: cdpublications.com

What is the Cadillac Medicare Advantage plan

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

Medicare Part D and Medicare Advantage Changes for 2013

[…] The Affordable Care Act includes provisions that, over time, are reducing the cost of prescription drugs for people who fall into the coverage gap, or “donut hole.” In 2011 and 2012, the discount for brand name drugs was 50%; in 2013 and 2014, it will increase to 52.5%, and will grow after that until it reaches 75% in 2020.Source: wordpress.com […]
Source: wordpress.com

Early Evidence Suggests Medicare Advantage Pay For Performance May Be Getting Results

The ACA phases out higher payments previously given to all MA plans. Instead, Medicare in 2012 began paying bonuses only to plans with strong performance on clinical quality, service measures and patient experience of care measures. Medicare bases the 2012 bonus payments on 2011 plan performance, as rated by a five-star system. This system incorporates Health Effectiveness Data Information Set (HEDIS®) and other quality measures, Consumer Assessment of Health Plans (CAHPS®) patient experience results (See Note 1 below.), and results of the Health Outcomes Survey (HOS) that tracks patient-reported outcomes over time. It also includes metrics such as complaints Medicare received about the plan, customer service for drug benefit plans, and beneficiary access and performance problems identified in audits by Medicare.
Source: healthaffairs.org

Orleans judges spent generously on supplemental insurance, audit finds

Posted by:  :  Category: Medicare

You park like an... by Jami DwyerIn three years, Auditor Daryl Purpera found, the criminal court judges and their counterparts in New Orleans civil and city courts illegally used public money to buy more than $800,000 in such “excessive and unnecessary” supplemental coverage on top of their state-funded healthcare plans. The extra programs included whole life insurance plans with cash surrender values, and tens of thousands paid to a company called Exec-U-Care, which reimburses deductibles, co-pays and other out-of-pocket medical expenses.
Source: nola.com

Video: Supplemental Insurance Explained

Progressive Health of Delaware: For patients with new DuPont supplemental insurance

Do you have a new DuPont supplementary insurance?  If you have come in for a recent office visit, we have the updated information.  Medicare did not receive the information from DuPont regarding the new insurance though.  Medicare submitted most of January claims to the old insurance. It has been fixed though and the correct insurances will be billed by Medicare.  If you have not had a 2013 office visit yet, please bring in your new cards to your next office visit.  
Source: progressivehealthofde.com

A Quick Look at Supplemental Insurance

With not-so-reassuring economic prospects at this time, it is all the more necessary to seek security, especially in terms of health, as we would never really know when we might have to throw all our savings into a hospital bill. But with supplemental insurance, we simply feel safe and peaceful for its great benefit of protecting us from financial instability in the future. Sometimes, accidents will come to us and cause us financial immobility. Being hospitalized and getting into emergency situations is the last thing we want to happen to us or to any of our family members because not only do these threaten our lives. They can also be very financially unsettling.
Source: wordpress.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

Comparing Medicare Supplemental Insurance Benefits

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

Tricare Help – Do I need supplemental insurance for nursing home?

20/20/20 age appeal catastrophic cap child born out of wedlock claims continued care cost share death DEERS dental dependent disabled divorce doctor doctors FEHBP handbook health care reform hospital ID card marriage maternity care Medicare military treatment facilities other health insurance outside the U.S. parents Part A Part B pharmacy pre-existing condition pregnancy reserves secondary insurance social security spouse supplements surgery Tricare For Life Tricare Prime Tricare Standard Tricare Young Adult Program VA widow
Source: militarytimes.com

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

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

Benefits for Growing Families: Supplemental Insurance for Uterine Fibroids and Pelvic Adhesions

Traditional health insurance plans are designed to cover treatments for medical conditions that may pose a health risk. Infertility by itself does not pose a health risk, so most plans opt not to cover many infertility treatments unless compelled by mandate. Couples diagnosed with uterine fibroids or pelvic adhesions may have these procedures covered if they pose a health risk. Uterine fibroids are growths on the uterus that are typically benign – almost 40% of women develop fibroids, and most go untreated. Some women may experience abnormal bleeding, pain, or pressure. These cases may be treated surgically with an abdominal myomectomy, or hysteroscopic myomectomy. Pelvic adhesions are nothing more than scar tissue that forms after a trauma – surgery, infections, appendicitis, or endometriosis. Adhesions can cause pain, obstruction of the bowel, and infertility. Adhesions are treated surgically by a procedure named lysis of adhesions or adhesiolysis Both of these conditions may cause infertility, and may be covered by your traditional health insurance plan. Verify coverage with your carrier.Supplemental Insurance for Fibroids and Adhesions Supplemental maternity insurance can be purchased that will make direct payments to the insured for out patient myomectomy, and lysis of adhesions. Some policies are configured to cover named outpatient surgical procedures, and these two procedures happen to be named. Good things come to patients with patience. You must wait and plan ahead to get to your pot of gold. Preexisting conditions are not covered during the first twelve months of the policy effective date. But the wait may be worth it – particularly if you conceive!
Source: blogspot.com

Buying Supplemental Health Insurance

If you elect to work past the age of 65 and have an employer-sponsored health insurance plan, you will not need a Medigap policy. In this situation, you may still want to enroll in Medicare Part A (it’s free). Once you enroll in Part B, your Open Enrollment period begins, so you will want to hold off enrolling in Part B. Remember, if you do not purchase a Medigap policy during Open Enrollment, you may later be denied coverage or find yourself paying much higher premiums for identical coverage. It is probably best to wait until your employer coverage ends before enrolling in Medicare Part B.
Source: skepticwiki.org

How To Know If You Need Medicare Supplemental Insurance

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

Medicare Supplement Plan F

Plan F also pays for outpatient deductibles as well, so seeing the family doctor or specialist is no problem. Medicare Part A and Part B coinsurance and copayments are covered, as are hospital costs after Part A benefits have been exhausted. Plan F also covers up to three pints of blood if transfusions are given, skilled nursing facility care, hospice care coinsurance and copayments and any Part B excess charges incurred. These can happen if a doctor refuses assignment and charges more than Medicare approves. The remainder, or excess charge, is paid by the supplemental insurance. For those looking for a good supplemental policy, Plan F will fit the bill.
Source: alissapajer.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

Looking Into Different Aspects Of Medicare Supplemental Insurance

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

What, Why, and Who of supplement insurance to Medicare

Our commitment is to humanitarian ideals, art and music and not the sectarian politics that often drives comments and article content. Those who have a lengthy comment, please take a look at our “Be Our Guest” feature and request a guest post article. We enjoy having guests and welcome you to express your ideas and to let us know of humanitarian projects, ideas, individuals and those issues that relate to what we believe matters most–caring for each other and the creatures of our world.
Source: greenheritagenews.com

Florida Medicare Part D Plans

Posted by:  :  Category: Medicare

Anyone who require for this medical facility can opt for this service in any case if he or she is with limited source of income. Those who do not earn much have facility of getting extra help for various services that included in medication part D plan. $4,000 is almost amount that you will get as an extra help from these medication plan. Monthly premium and it can also be your prescription payment for which you will get all help. This can act as big saving for those who do not earn much. So make sure that are you clearing criteria of getting that much help.
Source: medicare-supplement-advisor.org

Video: Medicare Supplement Quotes

A Call for Mandatory Disclosure of Corporate Political Spending

Second, over the years, this issue has been caught, legislatively speaking, in a weird deadlock between Democrats and Republicans that involves, oddly enough, corporate philanthropic grantmaking. As readers know, corporate grantmaking through 501(c)(3) corporate foundations that file 990s gets disclosed, but direct grants from companies’ executive offices, marketing and PR arms, community relations divisions, etc. can be, and frequently are, done without disclosure. For some years, a Republican member of Congress would introduce a bill calling on disclosure of corporate charitable giving. Democrats (and leading nonprofit associations) have consistently opposed corporate charitable disclosure, saying that disclosure would make corporations apprehensive about supporting some causes and charities. Democrats would instead counter that if Republicans wanted disclosure of corporate philanthropic spending, they should be willing to require the disclosure of corporate political spending. And that’s where the debate would always grind to a halt.
Source: nonprofitquarterly.org

United American Medicare Supplement Insurance Quotes

Fortunately, United American is one of those companies.  At present, they offer some of the lowest priced High Deductible F Plans across the state.  That is great for seniors who want a low priced Medicare insurance plan with a reasonable deductible.  (As of 2012, the HD Plan F deductible is $2,070 yearly.)
Source: ohioinsureplan.com

Health First Medicare Supplements Address Coverage Gaps

Plus, as an added service not covered by Medicare, all policy holders are entitled to a free fitness membership at the Health First Pro-Health & Fitness Centers in Melbourne, Merritt Island, Palm Bay and Viera, and Parrish Health & Fitness Center in Titusville.
Source: spacecoastmedicine.com

Competitive Medicare Supplements in Florida

Are you an Insurance Forums member yet ? To sign up for your FREE INSTANT account, please fill out the form below ! Username:     Password:   Confirm Password:     E-Mail:   Confirm E-Mail:     Question of the day:   Please type “insurance” in this box Agree to forum rules 
Source: insurance-forums.net

Medicare Supplements: Florida Seniors and Medicare Supplement Insurance Plans

Florida Medicare Supplement Premiums and Selection, some influences. In the state of Florida you may expect to pay up to 60% more for your standardized Medicare Supplement Plan. The Florida rates are among the highest in the nation. The temperate climate, easy lifestyle, vibrant and active senior community, and lower housing costs and taxes in Florida are just some of the reasons that so many Americans choose to retire here each year. Florida leads the nation in percentage of citizens 65 and older with 17.7 % of the total population falling into that category. Currently Florida’s Senior population is over 3,339,000. Medicare Beneficiaries in Florida number over 3,300,000. Since medical expenses increase as we get older, a very large group of aging people will impact the cost of doing business for an insurance company that is marketing Medicare Supplement Plans to that group. The higher claims cost has caused some companies to decide not to offer plans in Florida. This limits the choices for seniors. This also causes the premiums to be more expensive. Another factor affecting Florida Supplement rates are some of the insurance regulations in the state. These tend to be good for the consumer, but can also cause higher rates. Issue age pricing. All Medicare Supplement Plans in Florida must be sold as “issue age” vs. “attained age”. With issue age pricing your premium depends on your age when you purchase the policy. Attained age plans increase based on your age as you get older, these increases tend to be significant. Issue age policies do not increase based on age, rather are in conjunction with increases in the Medicare deductibles and other cost sharing and have much less impact on the cost of the plan, resulting in predictable costs going forward. All insurance companies wishing to market Medicare Supplements in Florida are mandated by the state to have plans available to people who qualify for Medicare under the age of 65. These are beneficiaries who typically have been on SS disability for 24 months. This gives them the ability to secure protection against medical costs and increased quality of care. It also creates a higher risk, higher cost group of insured. These are only a few of the factors contributing to the higher cost for Medigap Plans in Florida. If you are a Florida Senior you owe it to yourself to be pro-active and compare plans and prices so that you can be confident that you are getting the most bang for your health care dollar and that you have the right coverage for you.We are standing by to help. Stephanie Coutavas is an Insurance Professional specializing in Senior Insurance Solutions and Medicare Insurance. Co-founder and Senior Broker at http://www.medicarequote4u.com/ /Common Sense Insurance Solutions Group. Stephanie decided to specialize in Medicare because, “I saw the effects of the confusion and misinformation in the senior market. I really feel that with the proper,correct information, presented in an understandable way that our Seniors can position themselves for the future and achieve the peace of mind and security that they deserve at this exciting stage of life. We strive one client at a time to make sure that we address the individual and that they are better for having met us, regardless of whether they choose us as their broker.” Call or visit http://www.medicarequote4u.com/.
Source: blogspot.com

Illinois Medicare Enrollment Process

Medicare Part A and Part B will not pay all of your health care costs and in many cases, you will need to supplement coverage with additional insurance. If you are planning on continuing to work and receive group coverage through an employer, you may not need to add coverage and you should check your plan for details. If you are retired or plan on retiring, like many Illinois residents, you may want to choose to supplement Original Medicare with Medicare supplement or Medigap coverage.  As an Illinois resident, you must be enrolled in both Medicare Part A and Part B to be eligible to purchase Medicare supplement insurance, but you cannot be denied coverage if you purchase A Medigap policy during your “open enrollment period” (6 month period after enrolling in Part B).
Source: ssiinsure.com

Florida Medicare Plans: How to need of Florida Medicare Supplement for financial service

There are Medical insurance plan network lists of PPO or Preferred Provider Organization doctors, hospitals, and Medical insurance plan companies available in many parts in Florida. Choosing from the Medical insurance plan PPO list offers you lower copay for your insurance plan unlike when you choose the doctors and hospitals outside the Medical insurance plan PPO network. Low Income Subsidy or LIS is available for Florida Medicare Plans as well as providing you assistance for your prescriptions. Fl Medical insurance plan members also qualify for the Extra Help with their prescription drug plans that are worth $4,000 annually. Extra Help qualifications require you to be a member of Florida Medical insurance plan, have limited income, and you reside in the District of Columbia. Though Florida gives importance to its insurance plan, Florida Medicare Plans costs are high. The Florida Medicare Supplement is priced at about 60% more than the standard plan. Medical insurance plan in Florida in a more expensive because of the kind of easy lifestyle, great climate, low priced housing, and low taxes. The senior citizens are active in this state and Florida might as well be called the Senior Citizen State. So if you are currently living in Florida right now and you haven’t availed of Florida Medical insurance plan, you are missing one of the great benefits offered in Florida. Avail Florida Medical insurance plan now to enjoy the advantages of having a great insurance plan while living in a great state. Enrollment for Medical insurance plan is done annually for a period of almost three months. Enrolling and changing of plans should be done within the enrollment period provided for by Florida Medical insurance plan. Medical insurance plan wellness insurance plan covers heath care treatment expenses and services and not coinsurance, copayments, and deductibles. These are gaps within everyone’s Medical insurance plan insurance. To help you with these gaps or other costs, there is the Florida Medical insurance plan Supplements or Medigap. The policies of Florida Medicare Plans help you cover those gaps in your Medical insurance plan wellness insurance plan by helping you to pay for some of the other heath care treatment costs that you haven’t thought of. These policies have additional benefits and services not provided for in your Medical insurance plan insurance. Private insurance plan providers provide for the plans that range from A to L. The policies offered are standardized which means that the benefits and services of one plan are the same in other insurance plan providers within the state of Florida. The only difference that you will see is in the cost because of factors like underwriting and rating methodology. The Sunshine State gives importance to its community by providing Medical insurance plan wellness insurance plan. Florida Medicare Plans or Florida Medicare Supplement has plans for your wellness and financial needs. Many Medical insurance plan providers are available in the State of Florida. The list of Medical insurance plan providers includes United Healthcare, Humana, Mutual of Omaha, PCP or Preferred Care Partners, Gerber, and Universal Medical care. Since Florida has about 4.1 million or 23% of its total population, heath care treatment needs are given priority especially to its senior citizens. One way of tending to the heath care treatment needs of the people in Florida is providing Medical insurance plan wellness insurance plan benefits.
Source: blogspot.com

Do Medicare Supplements Vary By State?

You want options when it comes to Medicare supplements. The Medicare situation for each state can be unique. A state like Iowa or Mississippi happens to have very low Medicare reimbursement rates. The low Medicare reimbursement rates do cause the patient to have to pay more for services and thus to have to pay more for a Medicare supplement. The world of Medicare supplements can be complicated depending upon which physicians happen to accept which plans and which doctors happen to work within each health care network. A physician may get tired of having to deal with of the paperwork associated with a Medicare supplemental, but the situation is necessary for the Medicare system to work properly. The rates to purchase a Medicare supplemental may be higher in some states as well.
Source: seniorcorps.org

Want to get Social Security but not Medicare? That’s illegal

Posted by:  :  Category: Medicare

OOPS I THINK THE SHINE IS OFF THE PEACH ...........IT'S ABOUT TIME by SS&SSDespite having paid thousands of dollars each in Social Security and Medicare taxes during their working lives—for which they never sought reimbursement—the five plaintiffs were told by officials at the Social Security Administration and Department of Health and Human Services that they had to forfeit all of their Social Security benefits if they wished to withdraw from (or not enroll in) Medicare. This determination resulted from internal policies that were put in place during the Clinton administration and strengthened by the Bush administration. The plaintiffs sought a judicial ruling that would prohibit SSA and HHS from enforcing these policies, which they believed conflicted with the Social Security and Medicare statutes. A sharply divided U.S Court of Appeals for the D.C. Circuit eventually upheld them. By its decision not to hear the case, the Supreme Court let that controversial ruling stand.
Source: teapartypatriots.org

Video: Pete Mitchell’s When To Sign Up For Medicare by Pete Mitchell

Sequestration Set to Kick in, Cut Medicare by Billions

After two months of failed negotiations, the across-the-board spending cuts — better known as sequestration — will go into effect today pending a last-minute grand bargain, which many in Washington, D.C., do not expect. Yesterday, the U.S. Senate floated two proposals to avoid the sequester, but both flopped. Sen. Harry Reid (D-Nev.), the majority leader, proposed a deal that would have reduced the deficit through a 50-50 measure: 50 percent increased taxes, 50 percent spending cuts from defense and agricultural programs. Sen. Reid’s proposal, which lost on a 51-49 vote, would have exempted Medicare and Medicaid, according to an AHA News Now report. Sens. Jim Inhofe (R-Okla.) and Pat Toomey (R-Pa.) proposed a counter deal that would have required President Barack Obama to submit a “sequestration replacement plan” of $85 billion in spending cuts by March 15. Defense cuts would have been limited to $42.6 billion. The vote failed 62-38. Sequestration, which was postponed until today through the fiscal cliff bill at the end of last year, will cut $85 billion this fiscal year, which ends in October. According to a Congressional Budget Office (pdf) report released last month, Medicare will be reduced by 2 percent, resulting in $9.9 billion in cuts. Medicaid and Social Security are exempt from cuts. Hospitals, physicians and others were originally expected to see Medicare payment reductions of $11.1 billion, but the two-month delay from Congress lessened the impact slightly. Medicare reimbursement cuts to providers will not go into effect until April, “thereby delaying some of the effect on outlays until the following fiscal year,” according to the CBO report. Many hospital and health system executives have been preparing for the impacts of sequestration since the national deficit talks first began in the summer of 2011. Most hospitals will lose millions in Medicare reimbursements, with larger providers taking cuts up to eight figures. David Blom, president and CEO of OhioHealth, an 18-hospital system based in Columbus, Ohio, told Kaiser Health News his system expects to lose $12 million on $2.5 billion in revenue. “Let me say this about sequestration: I fully understand how the national debt reduction needs to be really high on our agenda,” Mr. Blom told KHN. “Sequestration is unfortunate, in my opinion, to be making across-the-board cuts without really redesigning the system or just reforming the system. Can we live with it? Yes. I think we’re able to live with it because we’ve anticipated it for some time. What I’m concerned about is even this sequestration won’t be enough. So what is the next thing we’ll be living with to deal with this national debt situation?” Medicare will remain a high-priority issue for hospital executives this year and into 2014, where some say adept budgeting will become paramount. “We budget very conservatively when it comes to projected [Medicare] reimbursements,” Dan Moncher, CFO of Firelands Regional Medical Center in Sandusky, Ohio, said earlier this year. “We try to make sure our budget reflects the operating margin of a high-performing hospital — that’s our goal. But that means we have to take a good, hard look at costs, staffing levels that are appropriate and maintaining the highest quality of care with [appropriate] staffing levels.”
Source: beckersasc.com

Daily Kos: A Medicare voucher by any other name, still a bad deal for seniors

Proposals floating around Congress these days call for privatizing Medicare via vouchers, but they don’t use the term. In general, the proposals would encourage insurance companies to bid against each other, to produce the lowest-cost policies in the private market. Customers would receive a sum of money—aka a voucher— to help defray the cost. Tennessee Sen. Bob Corker introduced his “Dollar for Dollar Act,” and a good chunk of it deals with what he calls structurally transforming Medicare by “keeping fee-for-service Medicare in place, competing side-by-side with private options that seniors can choose instead. Utah Sen. Orin Hatch used the term “competitive bidding” and said allowing health plans “to compete with traditional fee-for-service Medicare” would reduce costs and preserve the quality of care. The plans would allow people to choose between these voucherized plans and traditional Medicare, preserving the notion of choice. Foes of our social insurance programs have gotten savvy enough to realize that they can’t privatize Medicare in one fell swoop, as Ryan’s original budget (back before “vouchers” were a dirty word) envisioned. So in the next iteration, they employed the idea of “choice,” of competition with traditional Medicare. That allows them to chip away at it, pulling away younger, healthier patients who might be able to get good private insurance deals and leaving the older, sicker, more expensive patients in traditional Medicare to sap the program more quickly and make killing it off entirely that much easier.
Source: dailykos.com

Signing Up for Medicare Benefits, Act Now!

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

10 tips for a 65 year old signing up for Medicare

Think of what your deductible is with your employer coverage.  Now think of your co pay to see a doctor.  Now think of your monthly contribution.  For many people, this is a lot more expensive than what it was 3 years ago.  As healthcare costs have increased, many employers have passed larger shares of this expense to the employee.  If you are 65 and still working, you have the right to enroll into Medicare A and B at this time and take a private policy, even if you plan on working for the foreseeable future.  A good estimate of what your own costs would be with Medicare is ($104.90 -Part B, $175/month -Plan F Supplement, $30/month Part D drug coverage = $309/month.  With this route, you have $0 deductible, no co pay to see doctors, and small co pays on drugs!).  My rule of thumb is if your employer plan costs you $200/month or more, you should take a hard look at Medicare.    
Source: medicareplansstcharles.com

3 Tips for Avoiding Pitfalls in Medicare Enrollment

IAM is an SEC registered investment adviser with its principal place of business in the State of Texas.  IAM and its representatives are in compliance with the current registration and notice filing requirements imposed upon registered investment advisers by those states in which IAM maintains clients.  IAM may only transact business in those states in which it is noticed filed, or qualifies for an exemption or exclusion from notice filing requirements.  Any subsequent, direct communication by IAM with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides.  For information pertaining to the registration status of IAM, please contact IAM or refer to the Investment Adviser Public Disclosure web site (www.adviserinfo.sec.gov).  For additional information about IAM, including fees and services, send for our disclosure brochure as set forth on Form ADV using the contact information herein.
Source: iaminvest.com

Doctor pleads guilty to taking kickbacks in Medicare scam

This week, two owners of Miami home health care agencies pleaded guilty to a $48 million fraud scheme. Rogelio Rodriguez, 43, and Raymond Aday, 48, paid recruiters to send patients to Caring Nurse Home Health Corp. and Good Quality Home Health Inc. Prosecutors said nurses and other staff at the agencies falsified patient files to make it appear as though they needed home health care services.
Source: californiawatch.org

Windsor Medicare Extra Hosts Behavioral …

Posted by:  :  Category: Medicare

abstract adobe advertising archives article authorchoice biology california children china construction copyright current-issue development education energy facebook financial flash google google-scholar health healthcare home india industry information insurance journal market-research markets medicine movies neurophysiology pdf power press psychology science tag technology uncategorized united-states university wordpress
Source: neurophysiologyblog.com

Video: Windsor Medicare Extra – Dually Eligible- Medicare and Medicaid.mp4

Windsor Health Plan Announces Partnership With Healthways SilverSneakers Fitness Program

Healthways (NASDAQ: HWAY) is the largest independent global provider of well-being improvement solutions. Dedicated to creating a healthier world one person at a time, the Company uses the science of behavior change to produce and measure positive change in well-being for our customers, which include employers, integrated health systems, hospitals, physicians, health plans, communities and government entities. We provide highly specific and personalized support for each individual and their team of experts to optimize each participant’s health and productivity and to reduce health-related costs. Results are achieved by addressing longitudinal health risks and care needs of everyone in a given population. The Company has scaled its proprietary technology infrastructure and delivery capabilities developed over 30 years and now serves approximately 40 million people on four continents. Learn more at www.healthways.com or www.silversneakers.com.
Source: homehealthprovider.com

[WATCH]: Windsor Medicare Extra

Windsor Medicare explains to WMCTV of Memphis this is the only time most Medicare beneficiaries can enroll in a Medicare Advantage plan for 2012. More than 120 new over-the-counter products have been added, and there is an enhanced fitness
Source: wordpress.com

TSUNLA · TSU Nonprofit Leaders Association: McGruder Valentine’s Dance

is funded by United Way. The center began operation in 2003 and offers a variety of programs including early intervention, family outreach, case management, youth development, mental health services, financial education, basic computer skills, health education, nutrition education and adult education. The center was named after the late
Source: blogspot.com

Cancel Medicare Advantage

Posted by:  :  Category: Medicare

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

Video: Medicare Supplement Quotes

February 2013 Updates for Secure Medicare Solutions

Garrett Ball is the owner of Medicare-Supplement.US, as well as several other Medicare-related web resources. As an independent broker, Garrett assists people going on, or already on, Medicare with comparing the various Medicare plan options in an unbiased way and in a centralized place. Garrett’s position as an independent agent and experience specializing in this field give him the unique ability to help others navigate the Medicare “maze”.
Source: medicare-supplement.us

medicare supplement quotes

medicare supplement quotes Ben Zander is the wildly entertaining Boston philharmonic conductor captured in the management training videos by Carltons Training Solutions. His talent is unique. His ability to inspire others unpar medicare supplement quotes alleled. Carltons Training Solutions is about to unleash the training videos of Ben Zander to their clients.How fascinating! This is a phrase Zander often repeats in his corporate training. Its the phrase he uses when he makes a mistake and it becomes the phrase for the people who work with him. He awakens the spirits of his people and makes his message impossible to ignore. A managers job is to awaken possibility in other people,?says Zander.His management training video Leadership: an Art of Possibility demonstrates the power of staying positive at the workplace or in any aspect of life. The attitudes of people can have a negative or positive effect on others. Thus one can be influenced by or choose to influence others. By focusing on the positive we can influence co-workers in a positive way and thus infect ourselves as well.Attitude: Radiating Possibility is about choosing the spirit that one can bring to their job. Everyone has experienced burn out. How does Ben Zander find the joy in his work every single day and enjoy it and help others thrive? In his management training he shows how he chooses to avoid negativity. This isnt about turning a blind eye to crucial information one may not want to hear. But rather seeing how to not focus on the negativity of the problem but possibility of probable solutions.Carltons Training Solutions has been around for thirteen years celebrating the companies they assist in their corporate training. They achieved excellence in and provide training videos for subjects like what is communication, generational differences, innovation, change management, ethics and conduct, management training, sales training, safety training, substance abuse, what is diversity and employment hiring.Carltons Training Solutions utilizes the Ben Zander management training style for the benefit of their clients. And they have found other successful business experts and world famous personalities such as Dewitt Jones, Bob Farrell, Lou Holtz, Tom Peters, John Cleese, Morris Massey, Joel Barker, Ken Blanchard, Stephen Covey, and Catherine Crier. To view other topics on corporate training or learn more about Carltons Training Solutions click here at their site carltonstraining.com. Leadership: an Art of Possibility by Ben Zander helps Carltons Training Solutions to inspire clients in their corporate training.
Source: jcpenneygiftcarda.com

BlueCross BlueShield of IL Changing Medicare Supplement Rates

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

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

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

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

Choosing A Medicare Supplement Quote

Medical treatment is normally considered to be a demand for people in order to handle greater levels of health and fitness. This is a specific demand that is increasingly more crucial as people age and the body changes to call for more specific and focused treatment choices throughout the course of their life. Anybody considering this certain price and seeking support should be capable of picking a Medicare supplement quote to guarantee they receive the insurance coverage they require.
Source: lifehealthjournal.com

United American Medicare Supplement Insurance Quotes

Fortunately, United American is one of those companies.  At present, they offer some of the lowest priced High Deductible F Plans across the state.  That is great for seniors who want a low priced Medicare insurance plan with a reasonable deductible.  (As of 2012, the HD Plan F deductible is $2,070 yearly.)
Source: ohioinsureplan.com

Texas Medicare Supplement Insurance Plans

Make sure that you are getting the right coverage that you want. This will not be hard if you already know your options. There are ten different supplement plans that you can choose from. Taking time to carefully examine all you have to choose from will enable you to compare the gaps filled with each plan to determine the one that is going to be ideal for your needs.
Source: zambiadaily.com

Privately Run Medicare Plans are Really Expensive

Posted by:  :  Category: Medicare

Senate Dems Protest Medicare Cuts by Talk Radio News ServiceAustin 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: How to Understand Medicare Plans

Medicare Information, Tips to Help You Choose the Right Medicare Plan

Navigating your Medicare prescription drug coverage options can be challenging, but with the right information, you can make the best decision based on your unique medical requirements and preferences. Every patient that is eligible for Medicare is also eligible for prescription drug coverage. There are several plans available, including Medicare Advantage and Medicare Part D plans, so it is imperative to understand your options before making a decision. It may also be helpful to talk to an expert in the field if you have questions or concerns about which plan is right for you. Here are a few tips to keep in mind while evaluating your options for Medicare prescription drug coverage:
Source: myowens.com

Administration Cuts Medicare Plans; Stock Prices Plunge

American Medical Association cancer CBO consumer driven health care diabetes doctors drugs electronic medical records email emergency room EMR ER exercise FDA genetics Health Care Access Health Care Costs health care quality health insurance health IT health policy Health Reform Health Savings Accounts heart disease hospital HSA insurance life expectancy Massachusetts Medicaid Medicare medicare advantage NHS ObamaCare obesity pay for performance public option SCHIP seniors socialized health care Social Security stimulus tax unemployment Uninsured
Source: ncpa.org

Research Finds Link Between Poor Health And Seniors Switching Out Of Private Medicare Plans

A study released Thursday, by Gerald Riley, a researcher at the Centers for Medicare & Medicaid Services (CMS), adds to those concerns. The study looked at more than 240,000 people who dropped out of Medicare Advantage plans in 2007, and compared them with beneficiaries who remained in traditional Medicare the entire time. In the six months after leaving the private plans, the former Medicare Advantage patients used an average of $1,021 in medical services each month, while the patients in the control group cost Medicare $710 a month, the study found.
Source: kaiserhealthnews.org

Local Teacher Confused about Changes to TRS Medicare Plans » Toni Says

On page 31 of the 2013 Medicare & You handbook it  states that an inpatient hospital stay begins the day you’re formally admitted with a doctor’s order. You must have 3 full days past midnight stay “formally admitted” and doesn’t include the day you are discharged. So that makes 4 days.  I would determine the stay begins when the doctor has “formally” written the order not when you are in the ER waiting for a room.  Don’t confuse signing papers when you arrive at the hospital with being formally admitted. Your doctor has to do sign that order.
Source: tonisays.com

CMS Announces Medicare Advantage and Prescription Drug Program MLR Proposed Rule

Unlike the commercial MLR statutory requirement, the Medicare MLR statutory provision does not include language regarding expenditures on quality improvement activities. Nevertheless, the proposed rule provides that MAOs and Part D sponsors may include certain quality improvement expenses in the numerator of the MLR. Like the commercial MLR rules, the proposed rule would permit MAOs and Part D sponsors to count a non-claims expense as a quality improvement activity if it is designed to improve health outcomes, prevent readmissions to hospitals, improve patient safety, promote health and wellness, or enhance the use of health care information technology. In addition to fitting within one of those broad categories, the activity must be designed to meet all of the following criteria: (1) improve health quality; (2) increase likelihood of desired health outcomes in ways that are capable of objective measurement and producing verifiable results; (3) target individual enrollees or specified segments of enrollees or provide benefits beyond the population of enrollees without increasing costs to enrollees; and (4) be grounded in evidence-based medicine. Quality improvement activities may satisfy more than one category, but may not be double-counted. Moreover, any shared quality improvement expenses must be apportioned among entities and lines of business or products.
Source: crowell.com

Uwe E. Reinhardt: The Complexities of Comparing Medicare Choices

Each private plan would have had to offer a benefit package that covered at least the actuarial equivalent of the benefit package provided by the traditional fee-for-service Medicare. Medicare’s contribution (or “premium support”) to the full premium for any of these choices, including traditional Medicare, would have been equal to the “second-least-expensive approved plan or fee-for-service Medicare” in the beneficiary’s county, whichever was least expensive. That premium support payment would have been adjusted upward for the poor and the sick and downward for the wealthy.
Source: nytimes.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

New Report: CMS’ Proposed Medicare Advantage Cuts Will Result in Higher Costs, Fewer Benefits for Seniors

The new proposed payment cuts are in addition to the Medicare Advantage cuts and the new health insurance tax included in the Affordable Care Act (ACA).  Only four percent of the ACA’s $200 billion in Medicare Advantage cuts have gone into effect thus far, and the Congressional Budget Office projects that, when fully phased in, these cuts alone will result in three million fewer people enrolled in the program.  The ACA’s new health insurance tax starts in 2014, and Oliver Wyman previously estimated that this tax alone will result in seniors facing $220 in higher out-of-pocket costs and reduced benefits next year and $3,500 in additional costs over the next ten years.
Source: ahipcoverage.com

CMS Releases Proposed 2014 Payment Plan for Medicare Part D, Advantage

For the first time in Medicare Part D’s history, CMS would lower beneficiary’s deductibles and copays for covered prescription drugs as part of the agency’s proposed payment plan for 2014. Among other features of the proposed rule (pdf) are details regarding the health law’s 85 percent medical loss ratio requirement for Medicare Advantage and prescription drug plans. The proposed rule would also forbid plans from raising costs to members more than $30 per member per month, which is even more stringent than the previous cap of $36 per member per month. Another key element of the rule would be a new requirement on Part D pharmacies to require a beneficiary’s consent for each prescription drug delivery unless he or she personally requested the refill. That’s a move to help eliminate unwanted shipments to covered Medicare beneficiaries who could be billed for drug shipments they no longer required.
Source: beckershospitalreview.com

Enrollment decreases in student health insurance provided through Associated Students

Posted by:  :  Category: Medicare

HHS-DSC_0104 by USDAgovWarning: include_once(mod/pingpack.php) [function.include-once]: failed to open stream: No such file or directory in /home/spartandaily/webapps/spartandaily/wp-content/themes/sparta/functions.php on line 124 Warning: include_once() [function.include]: Failed opening ‘mod/pingpack.php’ for inclusion (include_path=’.:/usr/local/lib/php’) in /home/spartandaily/webapps/spartandaily/wp-content/themes/sparta/functions.php on line 124
Source: spartandaily.com

Video: What is Supplemental Health Insurance?

Choosing Supplemental Health Insurance For Senior Citizens

Premiums increase to adjust to inflation and due to the methods used to calculate them. On the first day of January, Medicare benefits are adjusted to keep up with inflation. Because all these insurance benefits are coordinated with Medicare, premiums for supplemental plans will change accordingly.The three different methods used to set premiums are use the attained age, issue age and community rate base. The attained age method premiums rise as you get older. These increases are in addition to those due to the annual adjustments to inflation. The issue age premiums are based on the age at time of purchase. They will not increase with age; but, they will rise to accommodate inflation adjustments. Community rate premiums are the same for those residing in the same geographic area. The optimal policy choice taking this into account would be deciding the benefit combination most suitable, then purchasing by looking at the policy with the lowest premium using the issue-age or community-rate method of calculating the premium.
Source: wordpress.com

National Health Insurance Reconsidered

7.  Free-Market Prices.  Health care providers are to be strictly prohibited from ever charging more than they would otherwise charge just because a household’s yearly or long-term cap has been, or is likely to be, exceeded.  Other than this, national health insurance is not to place any restrictions upon what providers charge.   And, regardless of what they charge, providers that observe the above prohibition are, by government, to be reimbursed in full for any nationally insured care they provide, except for care not subject to the normal constraints of supply and demand.  Care not subject to the normal constraints of supply and demand would be (1) preventative care provided free of charge, and (2) extraordinarily expensive care, like heart transplants, care that, by itself, would be costly enough to put a typical household above its yearly or its long-term cap, thereby undermining the incentive to shop prudently.  How much providers are to be reimbursed for care not subject to these normal constraints is to be determined by NIA officials in negotiation with a panel of health care providers.  The reimbursement limits  they set are to be just high enough for assuring that providers choosing not to charge more than these limits will be sufficient in number for no one ever to lack timely access to necessary care solely because of costs.  Households that patronize providers that do charge more than these limits are to be wholly responsible for paying the difference themselves.
Source: healthaffairs.org

supplemental health insurance

supplemental health insurance Document scanning company, MES Hybrid Document Systems, Inc., announces it now offers the new zeta Book Scanner. Designed for libraries, archives, museums, government agencies and businesses, users ca supplemental health insurance n scan bound materials without destroying them. The zeta Book Scanner scans to a USB drive, saving paper and helping organizations achieve green?initiatives. New technology has improved quality, speed and operation for this bound book scanner.The zeta Book Scanner operates at three seconds per scan. The scanner offers 300 dots-per-inch (DPI) resolution, with an optional upgrade to 600 DPI. The operation panel includes a familiar tablet-like interface.Faulty scans from bound book scanners are a thing of the past,?said Kevin DArcy, vice president of sales and marketing at MES Hybrid Document Systems, Inc. When users see the quality, ease and speed of the new zeta Book Scanner, theyre truly amazed.?/p> A supplier of document management solutions since 1971 and Canadas leading digital book scanning company, MES Hybrid Document Systems provides consulting, conversion services, hardware solutions, document scanning and electronic/analogue document management systems. The goal with every client solution is to improve efficiency, increase competitiveness and contribute to bottom-line savings.About MES Hybrid Document Systems Inc. MES Hybrid Document Systems has been successfully supplying and supporting document management solutions in public and private organizations across Canada since 1971. Offering a one-stop shop for everything from consulting, conversion services, hardware solutions and electronic/analogue document management systems. At MES Hybrid Document Systems our mission is to be the preferred supplier of ECM (Enterprise Content Management) and ERM (Enterprise Records Management) solutions to organizations looking to achieve the regulatory, productivity and sustainability benefits associated with such systems. For more information about MES Hybrid Document visit http://www.mesltd.ca/.
Source: jcpenneygiftcarda.com

A Quick Look at Supplemental Insurance

With not-so-reassuring economic prospects at this time, it is all the more necessary to seek security, especially in terms of health, as we would never really know when we might have to throw all our savings into a hospital bill. But with supplemental insurance, we simply feel safe and peaceful for its great benefit of protecting us from financial instability in the future. Sometimes, accidents will come to us and cause us financial immobility. Being hospitalized and getting into emergency situations is the last thing we want to happen to us or to any of our family members because not only do these threaten our lives. They can also be very financially unsettling.
Source: wordpress.com

Doctors and lawyers fight cuts to refugee health

During a press conference Monday morning at Women’s College Hospital in Toronto, Canadian Doctors for Refugee Care (CDRC), the Canadian Association of Refugee Lawyers (CARL), and three individual patients, announced the launching of a lawsuit asking the Federal Court of Canada to declare that the cuts to refugee health care are unconstitutional and illegal.
Source: rabble.ca

CA Health Insurance Resource Center Supplemental Health Insurance

Provincial health plans vary according to one’s province of residence, and not all plans are equal when it comes to coverage. Spending time talking to a trained psychologist can be beneficial, but can cost $120 and up for one 45-minute session. Unfortunately, regardless of the emotional benefit, a psychologist’s services are not covered by the Canadian government health plan. Many Canadians are avoiding these costs and easing their level of stress by purchasing supplemental health insurance to cover these extra services. Psychiatrists, physiotherapists, registered massage therapists, Osteopath, Naturopath, Chiropractors, podiatrist and other types of therapists all have coverage in many supplemental health insurance plans.
Source: ca-healthinsurance.net

Senior Supplemental Health Insurance

When people retire, one of the biggest concerns should be medical coverage.  Though legal United States citizens qualify for Medicare when they reach the age of 65, coverage is basic.  The Medicare plan is very confusing, and many people make the wrong choice when choosing coverage.  You may be better off with supplemental insurance.  This article will discuss supplemental insurance and how it can help you. What is Supplemental Health Insurance? Supplemental health insurance is nothing more than a policy that covers what Medicare does not cover, and will protect you from high deductibles and co-payments.  It is not meant to eliminate Medicare, but to supplement it. What Types of Supplemental Health Plans Are There? There are three main types of supplemental health insurance. They are:     1. Disease or condition-specific policies     2. Accident policies     3. Hospital indemnity policies Let’s look at these a little closer. Disease Or Condition-Specific Policies This supplemental insurance policy pays a pre-determined amount if you contract a certain disease.  Two choices are available: a policy that pays you per day, and a policy that covers medical procedures. Accident Policies This policy will pay if you are injured in an accident.  In case of death, they pay your family.  The amount you will be paid is dependent on the injury.  In cases of accidental death or dismemberment, the policy may specify that a certain percentage is paid to the insured, depending on the seriousness of the injury. Hospital Indemnity Policy This policy offers a cash benefit to the insured if he or she becomes ill and needs to be hospitalized.  Payment goes directly to the insured – or the beneficiary – on a daily, weekly or monthly basis.  Should You Invest In supplemental Health Insurance?  Investing in such a policy takes careful consideration.  If you are at high risk, such as a history of heart disease or cancer, then you might wish to buy supplemental insurance.  Many people need that extra peace of mind that this type of insurance will buy.  But the biggest question is can you afford it? The Medigap Plan The good thing about supplemental health insurance is that it can be tailored to your health needs. Twelve standard plans supplement the coverage that Medicare provides.  These plans are the same throughout the industry, with the exception being the cost.  The most popular plans are C and F.  The State Department of Insurance in your state can give you a list of the companies that sell supplemental insurance in your area.  Here is a list of what each plan DOES NOT cover: Plan A:
Source: doityourself.com

Supplemental Health Insurance : How to save cash with Medicare

Each supplemental health insurance company may set the premium differently. How the price is set determines how much a person pays. Medigap supplemental health insurance is priced in one of three ways, community- or no-age-rated (generally the premium is the same to everyone, regardless of age), Issue- or entry-age-rated (premium based on age when purchasing the policy), and Attained-age rated (premium based on current age and goes up as a person gets older).
Source: ihealthcoalition.org