How Medicare Will Be Important To You

Posted by:  :  Category: Medicare

OBAMAS DEATH PANEL------ GUESS WHAT FOLKS IT'S ALIVE AND WELL---"CRAZY PALIN" NOT SO CRAZY NOW by SS&SSIf you are at or nearing the age of 65, you are likely to receiving a lot of information and offers by mail regarding different insurance providers, medical plans, prescription drug coverage plans, and other products related to your Medicare insurance. Assuming that you are a Medicare member and eligible to receive benefits soon, from either your own working history or your spouse’s. Medicare, as a program, is designed to assist seniors in meeting their health and physical needs, paying for medication and other health-related expenses, as they get older. Medicare works much like Social Security, where a portion of the member’s income is automatically deducted towards Medicare insurance. The amount of benefits and coverage that a Medicare member will receive depends on the length of time spent working and the amount contributed. The assistance provided by Medicare insurance is critical because of many different factors. At the age of 65, many seniors are no longer working, either because they have chosen to retire or can no longer perform the duties required. This is also the age where seniors are more prone to various illnesses or injuries, and thus would likely need more medical attention, incurring expenses also. Without the protection of Medicare insurance, these health care costs could very quickly eat away into a person’s savings. Many put away retirement savings and other forms of financial savings for their retirement years, only to see that money going towards sky-high medical costs instead. Medicare allows seniors to get financial coverage so they can worry less about the hospital expenses, doctor’s fees, prescription drugs, and other expenses related to their health and wellness.
Source: artipot.com

Video: Medicare Supplement Quotes

Medicare Supplement Plans

Medicare coverage has become restricted. Those who are just beginning, or have already reached their Golden years, are more susceptible illness.  To benefit from sickness benefits with ample coverage, a Medicare Supplement is a must. To find the right Medicare Supplement plan for you, medicarequotefinder.com is the way to go.  Search for the Medicare supplement that will complement your already existing Medicare coverage. Sometimes Medicare Supplements can be difficult to understand.  There are many different plans with many different types of coverage, and occasionally you get lost when all you want is to find the Medicare Supplement that you know will work best for you. Medicarequotefinder.com doesn’t want you to feel lost in the maze of Supplement plans. They make it easy to maneuver through their site to find what you need.
Source: medicarequotefinderblog.com

How and Where Do I Get Medicare Insurance Quotes?

Not all insurance agents can provide this type of insurance. For example, do not call your friend who sells car insurance, he will not be licensed to sell Medicare insurance. When you find an agent who specializes in this area, ask for an appointment to set down with him so he can explain how all the plans work. You may want to add a prescription plan if you take a lot of medications. Your agent can help you deicide and he will give you Medicare insurance quotes for you to consider. This can be done anytime of the year, but in the fall is time for open enrollment and you may be able to save some money by getting your Medicare insurance quote during this time period.
Source: seniorcorps.org

quotes to live : Aetna Health Insurance, Dental Insurance, Medicare and Other

Start saving on car insurance today when you get a free online auto insurance quote or call 8888904630 Enjoy the ease of working with Nationwide for your auto An ally singular is a noun meaning the cooperation between two countries for A provider of health care, dental, pharmacy, group life, disability and longterm care benefits, the company puts information and helpful resources to work for its I never know how to start these posts Do I start with my brags about Raffi, random stories, thoughts on development, or share all the sappy thoughts that run through Pointers on productivity, getting things done and lifehacks
Source: blogspot.com

Daily Kos: Ryan’s broken Medicare promise rankles members

are frequently referred to as the reason we need to lower taxes and cut spending. What will they have to look forward to if Republicans rule? An early death, I would offer.  With one Republican controlled state after another enacting legislation weakening or destroying unions in order to drive down wages, with the republican party stonewalling all efforts to stimulate the economy and generate jobs in order to again keep wages down, with the republican party fighting every effort to create universal access to healthcare to keep employers costs and taxes down, with the republican part making consistent efforts to cut Social Security and Medicare benefits and delaying access to those benefits to avoid taxing the corporations and wealthy as the income gap continues to grow, their programs will give our children and grandchildren nothing to look forward to but declining health, wealth and quality of life.    
Source: dailykos.com

Benutzer:VilmaColby455 – Lotro

With a handful of, these money discounts can achieve $two,four hundred per yr for the correct same benefits they’ve liked for a lengthy time. In just about a handful of hours out of Kandahar, the bus loaded with Afghans acquired broken in the center of nowhere. Now that there are new carriers in the current market these as Gerber Existence Medicare Dietary supplements, United of Omaha, and Sentinel Life-style Medicare dietary supplements, it is time to store the marketplace spot for the best doable offer you accessible. As of 2010, the payment is $forty four.twenty. Authorities-funded systems like Medicare and privately obtained insurance policies supply comparable benefits.
Source: lotro-pedia.de

Finding a Medigap Policy on the Web? Better Think Twice

Oh, those clever insurance agents, always on the prowl for new customers.’  This time they are using the current period of open enrollment for Medicare to snag customers for other insurance products’products that consumers may not need or want.’  I stumbled onto an ‘Annual Enrollment Period’ Website that looked intriguing.’  After a closer look, it seemed like it was really designed to provide sales prospects to insurance biggies selling various policies to seniors’Bankers Life and Casualty, Mutual of Omaha, Humana, BlueCross BlueShield and WellPoint. But as Medigap sellers have often done, they cloaked their pitch as something official, implying that the government had given its blessing.’  When I printed five pages from the Website, the following appeared in the upper left corner:’  “Official Medicare Insurance Enrollment and Quoting Tool.” “This is not anything that is sponsored by us,” said Medicare spokesman Peter Ashkenaz.’  In very small type at the bottom of page two, easily missed by older people with poor eyesight, came the disclosure that Annual-Enrollment-Period.com is a private website, not an insurance carrier, and not affiliated with the government. The first page of the site indeed pushed Medigap policies, that supplemental coverage that seniors have been buying for years to cover Medicare’s coverage gaps, such as deductibles and coinsurance for physicians’ services.’  It gave some short, factual information about these policies: ‘ that the benefits are standardized and costs are not regulated. To get a quote, though, I had to disclose my ZIP code.’  Fair enough, since premiums are determined by where seniors live. The second page wanted more detailed info, like date of birth and contact information.’  It also told me that getting a quote only takes a minute.’  ‘With our brief form, you’ll have customized Medicare quotes in just a minute.’  Simply answer a few questions and you’ll be able to compare the best plan for you right away!”  The fine print said an agent in the Annual-Enrollment-Period.com network would contact me for a customized quote. After clicking on a “Get Quotes” button, “Step 2″ popped up with its buttons to click for information on long-term-care insurance, annuities, funeral insurance and senior housing.’  That’s called cross-selling, and apparently insurance companies are becoming as good as the banks at doing it.’  On this site I could learn about options for Alzheimer’s care, retirement homes and assisted living facilities. I was even asked when I would be ready to move into a one.’  Was my name being turned over to these providers eager to give prospects a sales pitch? One page advised that I “click on each provider below for pricing in New York.”‘  When I did, the links to six insurance companies did not work.’  Nor did they work on the final page I examined.’  What that page did, however, was offer was a subtle pitch for health savings accounts paired with high deductible insurance plans.’  That may be a “more cost effective option” the fine print said. The “pitch” ended with six questions to ask your health insurance agent.’  The first was to ask if the agent represented one company or many.’  “It’s important to understand the range of insurance products the agent is selling,” the question advised visitors to the site.’  Why, I thought this Website had to do with Medigap policies.’  The last question suggested that people ask when their children will no longer be covered.’  “After they move out of the house?’  Graduate from college?’  Get a full time job?” Not really relevant to Medigap policies either. It was pretty clear by now that this operation was all about collecting names for sales people.’  It was no different from some of the ruses insurance agents and carriers have used for years to find new customers.’ ‘  For those interested in comparing options with actual premiums disclosed, try using the official Website of the Centers for Medicare and Medicaid Services, the agency that administers the Medicare program.’  Go to the Medicare Plan Finder where you’ll find information about premiums’instead of disclosing your personal information for sales people to exploit.
Source: cfah.org

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

Medicare ‘Doc Fix’ Hostage To Fiscal Cliff Negotiations

Posted by:  :  Category: Medicare

Medscape: Obama’s Fiscal-Cliff Plan Said To Repeal SGR President Barack Obama’s latest plan to save the nation from the fiscal cliff includes a repeal of Medicare’s sustainable growth rate (SGR) formula that otherwise will trigger a 26.5% cut in physician reimbursement on January 1, according to a source familiar with negotiations between Congress and the White House. The Medicare rate reduction is part of the automatic spending cuts and tax increases dubbed the “fiscal cliff” that take effect in January. … The SGR crisis, a yearly event for physicians over the past decade, is a fiscal-cliff sideshow. Most of the jawboning between Obama, Senate Democrats who rule that chamber, and House Speaker John Boehner (R-OH), has been over the expiration of the Bush-era tax cuts, which will raise everyone’s rates (Lowes, 12/19).
Source: kaiserhealthnews.org

Video: Access to Doctors Shrinks for Some Medicare Patients

Congress passes on chance to fix Medicare doctor pay

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

Senate Democrats join Republicans in rejecting Medicare 'doc fix'

Democrats splitting with the majority leader on the vote included Sens. Evan Bayh of Indiana, Robert Byrd of West Virginia, Kent Conrad of North Dakota, Christopher Dodd of Connecticut, Russ Feingold and Herb Kohl of Wisconsin, Claire McCaskill of Missouri, Bill Nelson of Florida, Jon Tester of Montana, Mark Warner and Jim Webb of Virginia, and Ron Wyden of Oregon. Independent Sen. Joseph Lieberman of Connecticut, who caucuses with Democrats, also voted against the bill.
Source: minnpost.com

Congress Passes Bill to Avoid “Fiscal Cliff,” With Medicare Doc Fix, Other Medicare/Medicaid Extensions

The legislation requires CMS, for services furnished on or after January 1, 2014, to adjust payments relating to the end stage renal disease (ESRD) bundled payment rate to reflect changes in utilization of certain drugs and biologicals. In making reductions, CMS must take into account the most recently available data on average sales prices and changes in prices for drugs and biological reflected in the ESRD market basket percentage increase factor. The legislation also delays until January 1, 2016, implementation of oral-only ESRD-related drugs in the ESRD prospective payment system. HHS also must conduct an analysis by January 1, 2016, of the case mix payment adjustments relating to ESRD bundled payments, and make appropriate revisions to such case mix payment adjustments. The Government Accountability Office (GAO), no later than December 31, 2015, must prepare a report to Congress on how HHS has addressed implementation of payments for oral-only ESRD-related drugs in the bundled ESRD prospective payment system.
Source: wolterskluwerlb.com

Daily Kos: Will GOP give up ‘doc fix’ hostage for permanent solution?

First of all, most Medicare patients have a secondary insurance that covers the balance of the reimbursement.  Also, Medicare patients are required to sign an ABN which guarantees that the doctor will get paid by the patient directly if insurance doesn’t pay.  Monthly installment plans are common.  If all else fails, doctors can write off much of the bad debt at tax time.  Second, reimbursement rates, and the accompanying diagnosis codes, are set by Medicare, and further refined by individual insurance companies.  An example would be if a doctor suspects high cholesterol and orders a blood test, the insurer can refuse to pay unless the patient meets all of the criteria set up by the company.  In other words, only people who are morbidly obese can have high cholesterol.  The whole idea of government-driven death panels is a joke; the death panels exist exclusively in the insurance companies and doctors are powerless to stop them.  Third, the AMA rant about not taking Medicare patients has no basis in reality.  I’m very sure that no thinking person would dismiss the largest source of income in the country: the baby boomers. Last, single payer Medicare is the only answer.  Medicare is a well-managed, cost-efficient agency unlike its industry counterparts.  In my opinion, there is no valid argument against it.  Resistance consists solely of smokescreens and sound bytes designed to further uninform the uninformed.
Source: dailykos.com

Ohio Health Policy Review: Medicare ‘doc fix’ tied to fiscal cliff negotiations

As negotiations over the so-called "fiscal cliff" continue in Washington, providers are watching to see if a potential 30 percent cut in pay to doctors who treat Medicare patients will be addressed (Source: "A Huge Pay Cut For Doctors Is Hiding In The Fiscal Cliff," NPR Planet Money blog, Nov. 29, 2012).
Source: healthpolicyreview.org

Congress and the doc fix: Is 2013 the year?

Perhaps most interesting for physician specialists – beyond the recent Part B fee schedule that shifts resources to primary care at the cost of specialty care – is the rumor that an SGR repeal bill will call for permanent zero updates to the Medicare physician fee schedule (MPFS) within two or three years of that bill’s passage. The message there is clear to specialists and primary care docs alike: Get on board with ACOs or get out of Medicare altogether, because you’d starve under Part B fee-for-service.
Source: medicaldevicedaily.com

Eleventh Hour and No “Doc Fix”

Year after year, Congress has elected to put a one-year patch in place to forestall these drastics cuts and very often negotiations over even a temporary fix go to the eleventh hour.  While another temporary patch has been part of the ongoing "fiscal cliff" negotiations in Congress, no agreement has been reached yet on the cliff, so it appears that a "doc fix" may have fallen it by the wayside.  However, according to rollcall.com, both Senate Majority Whip Richard Durbin and Senate Finance Chairman Max Baucus still believe a doc fix will be in any agreement ultimately reached on the fiscal cliff. Keep your fingers crossed for a Happy New Year.
Source: foxrothschild.com

Official: Sequestration To Affect Medicare EHR Incentive Payments

Posted by:  :  Category: Medicare

There goes Medicare... by juhansoninThe ACA, which was signed into law by Obama in 2010, contains more than 40 tax changes, including penalties on individuals who do not purchase health coverage. The IRS also is charged with administering tax credits to the estimated 15 million individuals who are expected to qualify for federal subsidies to purchase coverage through the law’s health insurance exchanges.
Source: californiahealthline.org

Video: NEED TO KNOW | Can Medicare be Fixed? | PBS

Health Care Legislation: Is It Like Social Security and Medicare?

Moreover, the politics of health care differ from that of social security. In lobbying for the social security legislation, FDR deliberately misrepresented the program as an “insurance” plan; as he described it, workers put in a portion of their earnings into the social security program which they could then retrieve when they retired.  In fact, workers do not get their money back when they retire – the program is instead an intergenerational income transfer plan, whereby today’s workers fund current retirees. (That’s why, with a growing elderly population and dwindling workforce, the program’s current spending rate can’t continue without some modifications of revenue sources and/or eligibility requirements.) Moreover, because the program is funded through a “hidden” payroll tax, people tend not to feel the fiscal pain of contributing as acutely as they would if they paid a separate tax to fund social security.  Because the redistributive impact of the financing is hidden, and because everyone contributes to the program and receives benefits, Social Security has broad and deep support, as George Bush discovered when he tried to alter the funding mechanism in 2005.   It’s not clear to me that health care costs will be so easily disguised, nor that the legislation will be viewed as a middle-class entitlement.
Source: middlebury.edu

Health Care’s Good News

This is truly a sea change. Look at Medicare: over the last 43 years, costs per beneficiary grew 2.7 percent faster than the overall economy. That’s why Medicare spending rose from $7.7 billion in 1970 (or 0.7 percent of gross domestic product) to $551 billion in 2012 (almost 4 percent of G.D.P.). But this trend has finally reversed; over the last three years, Medicare costs per person have grown 1.3 percent slower than growth in the overall economy. In January, a Department of Health and Human Services report showed that Medicare spending per beneficiary grew just 0.4 percent in 2012. And last week, the Congressional Budget Office lowered its 10-year Medicare spending projection by $137 billion, because “health care spending has grown much more slowly” than “historical rates would have indicated.”
Source: nytimes.com

Doctors Fleeing Medicare, Moving to Direct Primary Care

Neil Sapin, a Glendale, Arizona, physician, charges less, about $1,500, but has a larger practice. He used to run himself ragged trying to keep up with the flow of patients necessary to cover all the expenses of his practice: “I used to see 18 patients per day, but [over time] I’m up to 24 or 25. It [became] difficult to give people as much time as I’d like to.” So he went private, dropping his workload from 1,600 patients to just 500. His patients have access to him any time of day or night and they can access their medical records from a home computer at any time and send him questions about their health via e-mail. Sapin says this allows him to spend more time with those who need him, and he also has time “to stress preventive health and dietary counseling.”
Source: thenewamerican.com

Daily Kos: GOP’s health care agenda: Crippling Obamacare and Medicare vouchers

On Monday, Franken again expressed his opposition to the tax he voted for.  “I want to repeal the medical device tax altogether,” the senator and former comedian said in a statement.  “But I am concerned that we are running out of time before this job-killing tax goes into effect. So, for now, the best thing to do to ensure that this important industry continues to create jobs and producing life-saving devices is to delay this unwise tax.”  Franken and other want Reid to include a provision to delay the tax in the ongoing fiscal cliff negotiations.
Source: dailykos.com

Obama’s Inaugural Health Care Moment: ‘Medicare, Medicaid … Strengthen Us’

Politico: Obama: Medicare, Social Security Changes Only On My Terms It wasn’t a new message, but by reinforcing it in his inaugural address, Obama doubled down on the boundaries he has drawn in his fight with Republicans over the next stages of deficit reduction. The president’s forceful defense of these social safety-net programs fit with a larger theme of his speech, defending the role of government in American society. “We must make the hard choices to reduce the cost of health care and the size of our deficit. But we reject the belief that America must choose between caring for the generation that built this country and investing in the generation that will build its future,” Obama said (Nather, 1/21).
Source: kaiserhealthnews.org

ICYMI: Physicians and Other Health Care Stakeholders Raise Concerns about CMS’ Proposed Cuts to Medicare Advantage

“As a bi-partisan organization focused on the future of Medicare, we are deeply concerned about CMS’ announcement on proposed changes to the Medicare Advantage program. These across the board cuts are short-sighted with little consideration of their impact on the quality of care currently delivered to beneficiaries. Such an action is disruptive to the system, driving more beneficiaries to the unreformed fee-for-service model that will in no way help improve the health of beneficiaries or the long-term sustainability of Medicare. While we recognize the urgent need to address budgetary pressures, broad and indiscriminate cuts to Medicare Advantage and providers are counterproductive to the long-term vision for the future of Medicare, and, as a result, are not the answer for solving our entitlement crisis. Any reform must also improve quality of care and reduce costs so we can ensure the sustainability of the Medicare program for future generations.
Source: ahipcoverage.com

Illegal Marketer of Medicare Information Admits Role in Detroit

According to court documents, Cooper and others conspired to defraud Medicare through purported home health care companies operating in the Detroit area, including now-defunct First Choice Home Health Care Services Inc. and Reliance Home Care, LLC. Cooper admitted that he sold Medicare information he obtained from Detroit-area Medicare beneficiaries to other conspirators at these and other health care companies, knowing that it was to be used to submit claims to Medicare for home health services that were not medically necessary and/or not provided. According to court documents, from 2008 through May 2012, Cooper sold co-conspirators the Medicare information of hundreds of Medicare beneficiaries, at $200 to $300 per beneficiary, and this Medicare information was used at these companies to bill Medicare for nearly $1 million in home health care services.
Source: jameshoyer.com

Minnesota scores big win with new Medicare language in health care bill

Today, Klobuchar said that senators on the Finance Committee from states that have lower quality care “seemed to be coming around.” “They realize they need our support to get this done,” said Klobuchar. Language would link payments to quality, not volume Thus, the new language in the Senate Finance bill would finally connect Medicare reimbursements to quality, as opposed to volume. The measure gives the secretary of Health and Human Services, working with the Centers for Medicare and Medicaid Services, the power to develop quality measurements and a payment structure that would be based on quality of care relative to the cost of care. The secretary would have to account for variables that include geographic variations, demographic characteristics of a region, and the baseline health status of a given provider’s Medicare beneficiaries. The secretary would also be required to account for special conditions of providers in rural and underserved communities. Additionally, the quality assessments would be done on a group-practice level, as opposed to a statewide level. Thus, the amendment would reward physicians who deliver quality health care even if they are in a relatively low quality region. The secretary of Health and Human Services would begin to implement the new payment structure in 2015. By 2017, all physician payments would need to be based on quality. “The change included today will help control costs and get the most from our health care dollars. This will strengthen the strong safety net of Medicare by ensuring funds are there to pay for our seniors’ health care,” Klobuchar said in a statement. The Mayo Clinic applauded the measure. “It’s great,” said Bruce Kelly, director of government relations for the Mayo Clinic, adding: “It is starting to move Medicare in the direction of incorporating value into how they pay.” Mayo also has supported the agreement that the House reached earlier this summer on Medicare payment reform. Senate, House versions differ Under the House agreement, the Institute of Medicine would have the responsibility of conducting two studies, one on geographic variations in payments and the other on how to reflect quality of care through reimbursements. Based on the study results, the secretary of Health and Human Services would have to implement a new payment rate and submit the plan to Congress, which then would have the opportunity to veto the new payment model. On Tuesday, Kelly said he did not favor one proposal over the other. “At this point, I would say it is premature for us to pick sides,” said Kelly, adding, “The fact that both bills have this concept in there is a great success.” In the Senate, however, proponents of payment reform have said that the language included in the Finance Committee bill is stronger than the House proposal. “We would say no study, no delay,” Klobuchar said. “It would not give veto power to Congress later on and it would be a straight rewarding of cost efficiency as opposed to putting in some money for the inefficient states.” Though the measure made it over a major hurdle today when Baucus decided to include the language, there is still the likelihood that details will change. The bill that is ultimately passed out of the Finance Committee will need to be merged with the bill that the Health Committee passed. Then, the resulting legislation will need to be passed by the Senate. Likewise, the health care bills on the House side also need to be merged and passed. At the end of all of that, the bills will go to conference committee to reach final agreement. And, at each stage, changes to the measure could be made. Cynthia Dizikes covers Minnesota’s congressional delegation and reports on issues and developments in Washington, D.C. She can be reached at cdizikes[at]minnpost[dot]com.
Source: minnpost.com

Aging and Parkinson’s and Me: Medicare: the Hero in TIME’s Healthcare Exposé

My diagnosis with Parkinson’s Disease in September 2009 at age 80 gave my life a new focus and challenge. Finding ways to meet this challenge helped make 2010 the best year of my life. I hope this blog will be a place where I can connect with others who also are dealing with aging and its afflictions and attractions so that we can share our “experience, strength and hope.”
Source: blogspot.com

Medicare and the Healthcare Reform Act

One drawback to the impending change is that doctors will stop being overpaid for Medicare patients that they see. In an attempt to make Medicare a feasible program, the government must cut costs. Because of this, doctors have indicated that they will see fewer Medicare patients than they currently do, including not taking on new patients. Coverage is also likely to drop in rural areas, where 1 out of 4 Medicare patients live. This means that, while seniors in urban areas will have access to the full range of medical care, their counterparts living in the countryside might not.
Source: seniorshelpingseniors-noco.com

Is a Medicare MSA Plan Right For You?

Posted by:  :  Category: Medicare

MSA plans cover everything that Original Medicare Plans A and B cover, and in addition often have extra coverage, such as dental, vision, and long-term care. However, they do not cover prescription drug benefits, so if you want this coverage you must enroll in Medicare Plan D. You can use your MSA funds tax-free for your Medicare Plan D premium and copayments, and your extra benefits, but only Medicare Plan A and B expenses count towards your deductible.
Source: medicareecompare.com

Video: Part D Medicare by 1-800-MEDIGAP

What Are Medicare Advantage Plans?

All MA Plans provide Parts A and B insurance coverage. Some MA Plans include extra coverage for vision, dental, hearing and wellness programs. Medicare Part D is covered by most MA Plans, too. Medicare pays a fixed amount to private insurance providers of Medicare Advantage Plans. These insurance companies must follow Medicare rules, but can set out-of-pocket fees based on their expenses. MA Plans may require their clients to use certain doctors, medical care facilities and suppliers.
Source: seniorcorps.org

Is HSA health insurance a good option for me?

Yes! Monies that aren’t used remain in your account and are carried forward. Interest and other earnings on funds in your HSA account are tax-free. Distributions from these accounts are also tax-free if used to pay for qualified medical expenses. In addition, an HSA account is “portable,” staying with you if you leave your employer or cease working.
Source: healthinsuranceproviders.com

What is Medicare Advantage?

•    A Medical Savings Account (MSA) Plan combines a high deductible health plan with a bank account. Medicare deposits money into the account (usually less than the deductible). You can use the money to pay for your health care services during the year. You will then also have to pay out of pocket for care, until the MSA plan deductible is met, after which plan coverage begins. MSA plans may or may not have contracted providers, but MSA plans cannot restrict access to a network of doctors, facilities or suppliers.
Source: onesourcebenefits.com

Tax Changes for 2013: A Checklist (D Wilschanski & Co.)

Child and Dependent Care Credit The child and dependent care tax credit was permanently extended for taxable years beginning in 2013. If you pay someone to take care of your dependent (defined as being under the age of 13 at the end of the tax year or incapable of self-care) in order to work or look for work, you may qualify for a credit of up to $1,050 or 35 percent of $3,000 of eligible expenses. For two or more qualifying dependents, you can claim up to 35 percent of $6,000 (or $2,100) of eligible expenses. For higher income earners the credit percentage is reduced, but not below 20 percent, regardless of the amount of adjusted gross income.
Source: everythinglakewood.com

2010 Medicare Advantage Plans

Not as popular as other Advantage Plans, MSA Plans have two parts; a high deductible and a bank account. Medicare gives the plan a sum of money and a portion is deposited into the bank account. Because the sum is usually less than your deductible, you will have out-of-pocket costs until you reach your deductible. Money spent for covered services counts toward your deductible and once the deductible is met, the plan pays for your covered services for that year. Unused funds in your bank account roll over to the following year. MSA Plans do not include drug coverage and a stand alone plan will need to be purchased. You do not need a referral and can choose your own providers.
Source: myplannedretirement.com

InsureBlog: HSA/MSA in the News…

Available in January (2007), Healthy NY’s HDHP touts a lower premium, which makes sense since deductibles start at $1,150 for singles and $2,300 for families. Apparently, they’re also exploring the idea of offering other (higher) deductible choices, as well.
Source: blogspot.com

Boston Medical Information & Innovation Intern Job

Posted by:  :  Category: Medicare

MEDFLAG 2010, Kinshasa, Democratic Republic of Congo, September 2010 by US Army AfricaDescription Merck is a global health care leader with a diversified portfolio of prescription medicines, vaccines and consumer health products, as well as animal health products. Today, we are building a new kind of healthcare company – one that is ready to help create a healthier future for all of us. Our ability to excel depends on the integrity, knowledge, imagination, skill, diversity and teamwork of people like you. To this end, we strive to create an environment of mutual respect, encouragement and teamwork. As part of our global team, you’ll have the opportunity to collaborate with talented and dedicated colleagues while developing and expanding your career.
Source: merck.com

Video: The Stream – Mystery spam tweets in Syria & crowd-sourcing medical information

Don’t Let Diabetes Control You, Control Your Diabetes

A very important responsibility for you as a diabetic, is being aware of what symptoms you should watch for and knowing when to be alarmed about them. Any significant deviation from your normal blood sugar level, sudden and severe hunger or thirst, blurred vision and lethargy are some of the most important things to keep an eye on. If you experience these symptoms, test your sugars immediately, and give yourself an insulin injection if necessary.
Source: medicalstuttering.com

Medical school stresses importance of computer encryption

Both California and federal laws mandate notice of a breach to affected individuals and government authorities. In addition, for a breach involving 500 or more patients, the incident must be reported to the California Attorney General’s office and to the HHS Office for Civil Rights, both of which publicly post incidents on their websites. Institutions also may be subject to substantial fines and become vulnerable to lawsuits resulting in multimillion-dollar damages. In the VA case, for instance, the federal agency paid as much as $20 million for credit-monitoring expenses and other damages to the victims, even though the computer later was recovered with the data intact, according to information provided by the VA.
Source: stanford.edu

Top 10 Health & Medical Information Websites

Note: The Experian Hitwise data featured is based on US market share of visits as defined by the IAB, which is the percentage of online traffic to the domain or category, from the Experian Hitwise sample of 10 million US internet users. Experian Hitwise measures more than 1 million unique websites on a daily basis, including sub-domains of larger websites. Experian Hitwise categorizes websites into industries on the basis of subject matter and content, as well as market orientation and competitive context. The market share of visits percentage does not include traffic for all sub-domains of certain websites that could be reported on separately.
Source: marketingcharts.com

Fragments of Truth: Accuracy of Medical Information on the Internet

Identifying the websites with the most accurate and relevant information are critical skills that are necessary for navigating our way in the digital information jungle, but unfortunately, these skills are rarely taught. In most cases, inaccurate or irrelevant information on the internet merely delays us for a few minutes until we do find the answer to what we are looking for. However, when it comes to medical information, inaccurate or irrelevant information could potentially have a major detrimental impact on our well-being. Patients and their family members are increasingly using the internet as a major source of advice regarding their illnesses, treatment options, dietary advice and disease prevention. 
Source: blogspot.com

How to Find the Best Medical Information Online

Several doctors recommended MedlinePlus, a website sponsored by the National Institutes of Health and managed by the U.S. National Library of Medicine. It has easy-to-read and understandable definitions and explanations of diseases, drugs and supplements. Each entry is accompanied by links to other sites and research deemed trustworthy by the medical archivists.
Source: rismedia.com

WedMD, did I break my leg?: How dependent we are on the Internet to tell us if we’re sick

Hypochondria, characterized by a preoccupying fear of illness, is a serious condition that most are lucky enough to be free from. But there are always those moments when second-guessing seems sensible, and the Internet has allowed those moments to proliferate. Searching for diagnoses on the Internet can seem like a bit of a joke, but the excess of information poses a serious threat for hypochondriacs. While the majority of the population may be able to shrug off the casual diagnosis of Cryptococcus, having this extra information only does harm to cyberchondriacs.
Source: dailyuw.com

FDA redactions policy violates Freedom of Information Act / Conceals Drug and Medical device dangers form the public

Under that law, anyone who seeks information from the federal government is supposed to get it unless disclosure would hurt national security, violate personal privacy or expose business secrets or confidential decision-making in certain areas. If any information is withheld, the government is supposed to give the requester an immediate option to appeal the decision. But the FDA requires requesters to make a second request to release the redacted information. Only after this second request is denied does the FDA inform the person of their right to an appeal.
Source: engineeringevil.com

Employee Medical Information: Be Careful What You Ask For

Earlier this week, the national department store chain Dillard’s agreed to pay $2M to settle a discrimination claim based upon its policy of requiring absent employees to provide a doctor’s note stating the medical reason for the absence. The U.S. Equal Employment Opportunity Commission took the position that once a doctor confirms the employee was absent for medical reasons, the employer is not entitled to ask for any additional information. This is consistent with the approach taken by the U.S. Department of Labor with regard to Family and Medical Leave Act requests. The DOL medical certification form asks the doctor to state whether the employee has a medical condition that prevents the employee from performing one or more essential functions of his or her job and also asks the doctor to “describe other relevant medical facts” which “may include symptoms, diagnosis, or any regimen of continuing treatment.” The DOL form does not, however, require the doctor to provide any of that additional information.
Source: jdsupra.com

ScanMed with QR Codes that contain vital medical information

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Source: qrcodetracking.net

Medicare Advantage Referrals Joint Venture

Posted by:  :  Category: Medicare

Dr. Donald Berwick by Talk Radio News ServiceNo. Medicare Advantage sales can not be performed by cold calling. Saying you are offering to do a free Medicare or insurance review with the intent of selling a MA plan is also against Medicare guidelines. Even if you are not making the calls, they are being transferred to you. If the prospect were to call you direct and started asking questions that would be allowed by Medicare, but I doubt having someone calling a book of business to get them to call another number would be very effective.
Source: insurance-forums.net

Video: Josephine Colson from Medicare Local (Inner Eastern Melbourne) talks with Salsa Digital

Sen. Menendez intervened twice in federal audit of key donor

Sen. Robert Menendez raised concerns with top federal health-care officials twice in recent years about their finding that a Florida eye doctor — a close friend and major campaign donor — had overbilled the government by $8.9 million for care at his clinic, Menendez aides said Wednesday.
Source: dailycaller.com

Obama, GOP Cooperate on Spending, Medicare Fight Looms, Federal Budget

Republican officials said Tuesday that Rep. Paul Ryan (R-Wis.), the chairman of the House Budget Committee, had decided against accelerating plans for a highly controversial overhaul of Medicare, the program that provides health care for people aged 65 and older. Several members of the rank and file have said in recent days Ryan was considering a budget that would implement far-reaching changes beginning in less than a decade.
Source: aarp.org

CBO Notes Decline in Medicare and Medicaid Spending and Adjusts Projections

The biggest noted decrease projected by the CBO is for Medicaid spending. For the 2013–2022 period, CBO has reduced its estimate of Medicaid spending by $239 billion (or about 5.5 percent) compared with its estimate in August 2012. Elmendorf notes that the revisions reflect lower anticipated enrollment in Medicaid in addition to lower than expected costs per person. Although CBO has increased the number of first-time Medicaid enrollees, the agency’s projection of the number of people who would have been covered by Medicaid in the absence of the Patient Protection and Affordable Care Act (PPACA) (P.L. 111-148) has declined by a greater amount. Projected enrollment in Medicaid is actually lower because more people are now expected to obtain insurance through other sources. Additionally, spending is lower primarily because of adjustments to account for the slowed growth in Medicaid spending, as well as a healthier and therefore less expensive population with more children and healthy adults.
Source: wolterskluwerlb.com

Long Waits For Consumers When Medicare Is ‘Secondary Payer’

In one case involving an 80-year-old man who was injured in a car accident in Kentucky in November 2011, it took more than a year to get a final figure from CMS detailing how much the agency was owed, says Linda Magruder, an attorney in Louisville who was the victim’s co-counsel in the case. That amount, for treatment for soft-tissue injuries to the man’s right hip, left foot, back and neck, was $2,640. But the agency first claimed it was owed more than $26,000, she says, because it included bills for care not related to the accident.
Source: kaiserhealthnews.org

Illegal Marketer of Medicare Information Admits Role in Detroit

According to court documents, Cooper and others conspired to defraud Medicare through purported home health care companies operating in the Detroit area, including now-defunct First Choice Home Health Care Services Inc. and Reliance Home Care, LLC. Cooper admitted that he sold Medicare information he obtained from Detroit-area Medicare beneficiaries to other conspirators at these and other health care companies, knowing that it was to be used to submit claims to Medicare for home health services that were not medically necessary and/or not provided. According to court documents, from 2008 through May 2012, Cooper sold co-conspirators the Medicare information of hundreds of Medicare beneficiaries, at $200 to $300 per beneficiary, and this Medicare information was used at these companies to bill Medicare for nearly $1 million in home health care services.
Source: jameshoyer.com

Staten Island Insurance Agency Offers Free Medicare Health

“As an authorized representative of insurers such as Empire Blue Cross/Blue Shield; AARP® Medicare Plans from UnitedHealthcare® (UHC); EmblemHealth®, and Touchtone, we routinely provide clients with a free comparison between all the different plans offered on Staten Island,” DeFranco said. “In addition, our firm has knowledge of which doctors and prescriptions are covered by each of the plans.”
Source: siborrealtors.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

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

GAO: Consistent Prepayment Audits Could Save Medicare $1.8B

Prepayment audits saved Medicare at least $1.76 billion in fiscal year 2010, but the savings could have been even greater if prepayment audits were more widely used, according to a new report from the Government Accountability Office. CMS reported an improper payment rate of 8.6 percent in the Medicare program for fiscal year 2011. That amounts to roughly $28.8 billion. The GAO was asked to assess the use of prepayment audits in Medicare, in which payments are reviewed before being paid to providers. The GAO found $14.7 million in payments from FY 2010 that “appeared to be inconsistent with four national policies and therefore improper,” according to the report. The agency also identified more than $100 million in payments that were inconsistent with three selected local coverage determinations, which are established by each Medicare administrative contractor to specify coverage rules in its jurisdiction. These payments could have been prevented through automated prepayment audits, according to the GAO. The GAO said CMS’ processes for prepayment audits have some weaknesses, including incomplete analysis of payment vulnerabilities, lack of specific time frames to implement audits, incomplete assessment of whether audits are effective and lack of full documentation of the processes. The agency recommended seven actions to CMS to strengthen prepayment audits, including full documentation of the process, and HHS “generally agreed” with those recommendations and noted CMS’ plans to address them.
Source: beckershospitalreview.com

Area Agency on Aging Presents ‘Medicare Changes Everyone Needs to Know’

Join the Area Agency on Aging from 10-11 a.m. on Tuesday, Nov. 20 at the Troy Community Center for this session on the changes to Medicare, the Part D drug plans, and how the Affordable Care Act will change Medicare in 2013.  Reservations are not required. 
Source: patch.com

Obama Signs Order To Cut $85B Under First Part of Budget Sequestration

So far, HHS has not said how sequester cuts will affect employees at NIH, FDA, CDC, CMS or other agencies that it oversees. Bill Hall, director of HHS’ News Division, in an email said the department will “continue to evaluate ways to minimize the negative impact of the sequester on our mission as well as on our employees,” adding, “We do not have final plans or estimates of the impacts on HHS employees at this time” (Reichard, CQ HealthBeat, 3/1).
Source: californiahealthline.org

More Inspections and Scrutiny Under OIG’s 2013 Workplan — Law Office of Deniza Gertsberg

The OIG provides that Medicare providers and suppliers must have physical locations with street addresses recognized by US Postal Service, not commercial mailboxes, and the facilities must be of adequate size with permanent, visible signs. This year, the OIG will initiate a new program to verify the extent to which Part B providers and suppliers meet this location requirement. The agency has indicated that it has evidence that certain individuals attempting to defraud Medicare have established commercial mailboxes to skirt this requirement.
Source: gertsberg.com

Caregiving & Medicare Open Enrollment: It’s Time, But Not For Long!

Posted by:  :  Category: Medicare

open enrollment by MedicareMallWill Medicare pay for a home-health care worker if I am unable to continue caring for my loved one? Some home health care services are paid for by Medicare. However, if the only care your loved one needs falls under basic home help or “homemaker services” like bathing, dressing, using the bathroom, shopping, cleaning, and laundry, Medicare will not pay for these services. If a doctor certifies that your loved one is homebound, Medicare will cover the expenses of a home health aid. If your loved one is eligible for this type of care and you are considering using a home health service in 2013, be sure your loved one is enrolled in a plan that will cover these expenses. Click here for more information.
Source: nhcoa.org

Video: Medicare Open Enrollment Preparations

Medicare open enrollment: What’s the best Medigap policy?

The difficulty for consumers is that the nature of Medigap makes it a lot harder to shop for than Medicare Advantage. Here’s why. Medicare Advantage plans are regulated and overseen on a national level. Medicare routinely collects all kinds of information on them about customer satisfaction and quality of care. In addition, the premium of a specific Medicare Advantage plan is the same for each customer. As a result, it’s possible (as I explained yesterday) to go to Medicare.gov and compare Medicare Advantage plans in detail, including quality ratings and price. It’s also why we can publish rankings of Medicare Advantage HMOs and PPOs through our partnership with the National Committee on Quality Assurance.
Source: consumerreports.org

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

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

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

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

Deadline Looming for Medicare Open Enrollment

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Source: mpbn.net

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

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

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

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

CamCo Holds Medicare Open Enrollment Session Wednesday

“It’s time to compare plans and select the right one for you,” said Freeholder Carmen Rodriguez, liaison to the Camden County Division of Senior & Disabled Services. “If you are unhappy with your current plan, use this open enrollment period as an opportunity to look for a new one with better coverage, higher quality and lower cost.”
Source: patch.com

UNDERSTANDING MEDICARE CARD CODES

Posted by:  :  Category: Medicare

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Source: seniorcitizenjournal.com

Video: How to Apply for VA Healthcare Online

The Five Easiest Ways to Get Your Identity Stolen

Instead: By keeping an eye on your credit report as well as your monthly bank and credit card statements, you’ll be able to catch any incorrect information before it becomes an issue and nip any fraud in the bud. What’s more, each of the three primary credit agencies—TransUnion, Equifax, and Experian—is required by law to provide you one free credit report every year. Space your requests out quarterly and you’ll be able to monitor your credit year round. Head over to AnnualCreditReport.com, which was created and authorized by these credit agencies, to request a report. This service does only provides the credit report itself; the agencies charge a separate fee to check your summary credit score. Also, avoid shady reporting services that require enrollment in pricey credit monitoring programs or charge a fee for pulling the report.
Source: gizmodo.com

Don’t Fall for Medicare Card Phone Scam

You answer the phone, and the unknown caller claims to be with Medicare or another government office. He informs you that your new Medicare card is in the mail, and you will receive it in a few days.  In the meantime, you need to set up your direct deposit so your Medicare funds can be deposited into your bank account. To do this, you just need to tell the caller your banking information. He will take care of the rest. 
Source: patch.com

How to Prevent Medicare Card Identity Theft

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

Primary Care Doctor Shortage

But in these times of shrinking federal budgets, it’s unclear how much ACA primary care money will be available as Congress juggles competing priorities. Congress, for example, already has chopped about $6.25 billion from the ACA’s new $15 billion Prevention and Public Health Fund, which pays for programs to reduce obesity, stop smoking and otherwise promote good health. In addition, federal support for training all types of physicians, including primary care doctors, is targeted for cuts by President Obama and Congress, Republicans and Democrats, says Christiane Mitchell, director of federal affairs for the Association of American Medical Colleges, who calls the proposed cuts "catastrophic."
Source: aarp.org

Putting the Medicare Cards On the Table: Court Rules That L

However, from the author’s review of CMS’ statements (both oral and written) on the issue, the question may not necessarily be “is an L-MSA required?” That answer is seemingly “no”— even from CMS’ perspective. Id. Rather, the “issue” may more appropriately be: “Is there an obligation to protect Medicare’s ‘future interests’ as part of a liability settlement?” or, from a more practical position, “Does CMS believe there is an obligation to protect Medicare’s ‘future interests’ as part of a liability settlement?” See id; and Charlotte Benson, CMS Memorandum: Medicare Secondary Payer: Liability (Including Self Insurance) Settlements, Judgments, Awards, or Other Payments and Future Medicals, September 30, 2011. As part of this, consideration should also be given to the fact that recent versions of the MSP manual have included references to both L-MSAs and no fault Medicare Set-Asides. Also, at the time of this article’s publication, CMS has advised that it is in the process of developing regulations surrounding Medicare Secondary Payer compliance regarding future medicals. See pending rule; “Medicare Secondary Payer and ‘Future Medicals’ (CMS-6047-ANPRM),” May 3, 2012. Thus, while CMS may acknowledge that L-MSAs, are not “required,” this other evidence would seem to suggest that on some level, to some extent, and in some manner, the agency believes there is some obligation to consider Medicare’s interests with respect to certain liability settlements, with the “MSA” being just one vehicle or option available toward that end. Assuming that this in fact CMS’ position, the question would then become; “are they correct legally?”
Source: lexisnexis.com

How Do I Obtain A Replacement Medicare Card?

When ordering a Medicare Card you have a few options. You can do this by internet, the telephone, or you can visit one of your local Social Security Offices. To order a Medicare Card by internet you can visit www.socialsecurity.gov/medicarecard, to complete the application. To order by telephone, the toll free number is 1-800-772-1213. If you prefer to order your card in person, you can call the toll free number to find the nearest Social Security Office or go to www.socialsecurity.gov/locator and type in your zip code to find the location nearest you.
Source: seniorcorps.org

Beware of Medicare Fraud Calls

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

CueTips Billiards Instruction

Please notice that I over cut this bank slightly to compensate for collision induced spin.  There is an art to this that you can only learn from practicing.  The spin tends to shorten the angle a little in this case, so I over cut slightly.  Notice the 9 is about half way between the two track lines.  On a straight bank, I would aim half way, but on banks that are cue, I like to compensate for the collision induced spin.
Source: nycgrind.com

Tea party groups in Ohio oppose Medicaid expansion

Posted by:  :  Category: Medicare

Attorney General Richard Cordray Announces Candidacy for Re-election by ProgressOhioThe state would see $13 billion from the federal government over the next seven years to cover those newly eligible for Medicaid, according to the Kasich administration. Roughly 366,000 Ohio residents would be eligible for coverage under the expansion beginning in 2014.
Source: northcoastnow.com

Video: What Are The Ohio Medicaid Eligibility Guidelines

Daily Kos: Kasich: Ohio will expand Medicaid under Obamacare

“Betrayal!” howls the conservative base. “I think it’s definitely going to weaken him with the conservative base,” said Chris Littleton, the Ohio director for American Majority Action. “It’s not a good idea to expand your number-one budget item in the middle of this kind of instability. The conservative grassroots and average voters are not going to support this in any way, shape or form.” On the other hand, all of the non-crazy people in Ohio, including the business community and the hospital associations and the medical provider groups, are celebrating this lapse into sanity by their governor. It means that hospitals will be providing less uncompensated care; more jobs in health care; community and rural hospitals will be able to stay open. Then there’s the fact that something like 275,000 uninsured people will now be covered. The state’s calculus is that the state will receive about $13 billion over the next seven years from the federal government, and in the next two years, the state will save $235 million.
Source: dailykos.com

Ohio Health Policy Review: Ohio Medicaid Expansion Study releases brief

The Ohio Medicaid Expansion Study, a partnership between the Health Policy Institute of Ohio, the Ohio State University, Regional Economic Models, Inc., and the Urban Institute, released yesterday a policy brief describing the impact of potentially expanding eligibility for Medicaid in Ohio.
Source: healthpolicyreview.org

Gov. Kasich Will Support Medicaid Expansion in Ohio

Since the Supreme Court made Medicaid expansion optional it has created a real divide among Republican governors. Many, like Texas Gov. Rick Perry, have rejected the Medicaid expansion in an effort to continue opposing Obamacare and hopefully cripple the new law. A handful of Republicans governors though believe that as long as it is the law of the land not accepting the money would be detrimental to their states.
Source: firedoglake.com

How Ohio Health Centers are Pushing for Medicaid Expansion

The Ohio Association of Community Health Centers (OACHC) continues to actively reach out and meet with stakeholders around an Ohio Medicaid expansion, including other providers, payers, philanthropic community, advocates, religious leaders, and business communities. We also continue to meet with members of the General Assembly while keeping in close contact with the Kasich Administration. Click here to see OACHC’s letter to the Governor. While optimistic that when the Governor rolls out his budget this Monday, February 4th, it will include a Medicaid expansion (possibly with certain “protections”), we must be ready for the next leg of the marathon to start, and folks it’s a steep one! [Note: See UPDATE below] It is imperative that all Health Center Advocates be ready to continuously act and be engaged with their legislators and their local media outlets too. To that end, OACHC has been and continues to be thrilled with the press many Ohio CHCs have generated locally. Our hats go off to them for their collective efforts with both media, and in making the time to come to the Statehouse to participate in one of the seven regional Medicaid expansion coalition Lobby Days, and educate elected officials firsthand on what Medicaid expansion means to their Health Center, patients, community – i.e their legislative districts!
Source: saveourchcs.org

Ohio GOP Gov To Accept Obamacare Medicaid Expansion

Ohio Gov. John Kasich (R) announced on Monday that he would accept an Obamacare provision to expand the Medicaid program in his state, becoming the fifth GOP governor to do so, the Cleveland Plain Dealer reports. Kasich added that he would reverse his decision should the federal government fail to cover the full cost of the expansion, as provided in the law.
Source: talkingpointsmemo.com

Ohio Might Join Ranks Of Red States Opting For Medicaid Expansion

MPR News: Expanded Medicaid Eligibility Could Cover Additional 145,000 Minnesotans Gov. Mark Dayton’s plan to expand eligibility for Medicaid in Minnesota would provide health coverage for an additional 145,000 Minnesotans, including 47,000 children, said Minnesota’s Human Services Commissioner. Medicaid is a joint federal state safety net program that serves low-income, disabled and vulnerable residents. It’s called Medical Assistance in Minnesota. The expansion plan would raise income limits and cover some childless adults. Last summer, the U.S. Supreme Court ruled that states could opt out of the expansion. But Commissioner Lucinda Jesson said the legislature should approve the plan because it covers more Minnesotans and is a good deal for taxpayers (Stawicki, 1/30).
Source: kaiserhealthnews.org

Unlike NC’s McCrory, Republican Ohio governor weighs Medicaid expansion

ACA amendment one Art Pope budget charter schools civil rights consumer protection corporations corruption Crucial Conversation death penalty Duke Energy economy Education energy environment federal budget fracking Health health care higher education immigration jobless jobs Legislature LGBT rights Marriage amendment Marriage discrimination amendment medicaid NC General Assembly Pat McCrory Phil Berger poverty Prosperity Watch public education Racial Justice Act Reproductive rights right-wing state budget taxes Thom Tillis Unemployment unemployment insurance Voter Suppression Wake County schools
Source: ncpolicywatch.org

Ohio GOP Gov. Kasich Rejects Partisan Extremists, Extends Medicaid Benefits to 578,000; Action Shows Obamacare Is Here to Stay

“While Republican governors like Bobby Jindal of Louisiana and Rick Perry of Texas are playing games with people’s lives to throw red meat to the extremists in their party, Gov. Kasich applied common sense, economics and simple math. If Arizona Gov. Jan Brewer can stop wagging her finger at Obamacare, and even Kasich can shed his partisanship to do the right thing, other GOP governors should follow suit.”
Source: healthcareforamericanow.org

Cleveland Tea Party Patriots: Stop Medicaid Expansion in Ohio! Sign the Petition!

As you probably know, Governor Kasich caved to pressure to expand Medicaid, in direct defiance of the Ohio’s voters. Please sign the petition to Governor Kasich immediately and share it with everyone you know! We will deliver the petition to the Governor on Friday to remind him that we the people of Ohio reject Obamacare in its entirety.
Source: blogspot.com

Kasich Expanding Medicaid Has Parallels To Mississippi Decision

Sam is the community engagement editor at The Clarion-Ledger, where he also leads a team of reporters covering the big stories of the day in Mississippi and the metro area. He has served as editor and publisher of several Mississippi and Alabama newspapers. Sam lives in Florence with his wife, three kids, a cat and a goldfish. During football season, he’s ringing cowbells on Saturdays and watching the Pats on Sundays. During baseball, he’s hoping for one more miraculous season led by Big Papi’s bat. And during basketball season, he catches up on TV. 
Source: clarionledger.com

Texas Medicare Supplement Insurance Plans

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSMake 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

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

Aetna Medicare Supplement insurance Policies

Medicare Supplement insurance helps you pay for costs Medicare doesn’t. Like deductibles, coinsurance and copayments. You can also get: • Coverage that cannot be cancelled, as long as your premiums are paid when due and the information on your application is accurate • Emergency medical coverage worldwide for Aetna policies C, F, G and N* • Flexibility to visit and doctor or hospital that accepts Medicare patients
Source: retirement-living.com

When Should I Buy A Medicare Supplement Insurance Policy?

The best time to purchase a Medicare supplement insurance policy is during your open enrollment period. Your open enrollment period lasts for six months. It begins the first day of the month in which you are the age of 65 and enrolled in Medicare Part B. Some states offer additional open enrollment periods under state law. You will want to examine the laws that pertain to your state for any exceptions. The advantage of purchasing a Medicare supplement insurance policy during the open enrollment period is that insurance companies are not allowed to use medical underwriting for your application.
Source: hijcenter.org

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

Other Expenses People Face Lacking Medicare Supplemental Insurance

Ever since Medicare supplement blueprints and plans are categorized though each benefit is identical for all insurance cover companies, it would have been easy for you to decide a company such as. Just make sure how the private insurance agency where you gotten the plan are often there for people when the hours comes that you have to their help. At any time you will need further assistance covering ones own added healthcare other expenses that your North carolina Medicare isn’t covering, there is several of choices. Medicare Part B is often referred to such as physician services security. This system refers as a way to overhead incurred from the doctor such as; Medicare accepted wellness practitioner services, outpatient health care facility services and heavy duty medical equipment. Now, what the authority does not cover, you can are a Medicare medigap plan to pay the gaps throughout the Part A and B. Number of many websites up there that will certainly explain this, and also will get an actual brochure in typically the mail explaining what is covered and that which is not at the Social Security measures Administration. Definite guidelines that regulate when you can enroll in Medicare insurance and when you can switch from people plan to one major. In addition to enrollment encounter deadlines, there can certainly be restrictions based on region. Before the enrollment can have place, Medicare Side A and Part B must cover you. There are some measures like the are planning J through L, which seem in the market to be providing lower coverage actually enables you save your own lot of an income in the kind of of deductibles. Therefore it definitely is necessary to go through the product documents of every one of the plans before you pick moving up the best an for yourself. However it is considered to be to be thought of that one cannot get enrolled for Medigap insurance Arrange if he or to she is the most important beneficiary of the Medicare Advantage choose. The Medicare Supplement Plans is not work with the particular Medicare Advantage plans. Therefore by using order to generate the benefits of the Medicare Treatment Plans one should to switch around to the Frais Medicare from distinct Medicare Advantage insurance plan. It can be significant to check the prices of any Medicare supplement coverage cautiously; normally they charges are awaited however the point of matter is how the charges will roughly augment in the subsequent 2 years or possibly even longer. Many states and firms could experience this in turn boost; one vital reason for it increase in any rates is that many of those individuals who have registered via Medicare benefit probably are deserting the equal of well as signing up for the Medicare merchandise insurance plans. One more aim of the rising fashion for of the insurance costs is because among the ever developing income climate, so one must be rational gets hotter is about enlisting for the Medigap insurance plan. The most beneficial Supplemental Insurance available for Medicare are a person’s Medicare Insurance Tasks and to do the proper choice the take a closer look Rates may be to be a tremendous help. In case you are eligible to alter insurance companies for Medicare Part H during the core of the year then your current plan will signific all of your own personal total drug will cost you amounts and thorough out of money amounts to brand new plan. If you are in the top’s gap and most people switch plans, plus it really can still be in the coverage gap. Every Medicare An aspect D plan only at that point in the a coverage gap so there isn’t way of getting it if you are a lot of most medications. You’ll find some plans available now that will pay generic tier sole medications during a policy gap. Under we will take into some the brief advice about the varying Medicare plans which might be available on the market today. This am going to help give you a good theory of what goals are recommended as most often by people choose yourself. Although there is a ful of 10 plans on the market, most of the plans are as a consequence similar in expense & coverage that experts claim it makes know to look at the plans that will have larger nature of the game while still minimize costs by checking a good flat of coverage.
Source: typepad.com

The Most Suitable Medicare Supplement Insurance

Medical emergencies can come at any time and you should be prepared. The life of your loved ones is precious and it is your responsibility to protect them, to take care of them and to ensure that you have all the resources at hand when it comes to hospitalization or paying other hefty medical bills. The lives we lead today are highly stressful, and you never know when you may need to call upon a doctor to treat you.
Source: wordpress.com

Understanding Medicare Supplement Plans

Scope of Coverages. Every one of the Medigap plans includes a hospital benefit to cover coinsurance payments for standard Medicare Part A benefits, and a preventative medical care benefit that covers certain preventative services not covered by Medicare, as well as 100% of the coinsurance for Part B preventative services after the deductible is paid. The plans include some combination of the following benefits: coverage for Medicare Part B coinsurance obligations; blood during hospital stays; the hospital deductible amount; coverage of nursing facility coinsurance obligations; coverage for Medicare Part B deductibles; coverage for Part B excess charges; partial coverage for foreign travel emergency expenses; coverage for certain at-home recovery costs; and coverage for coinsurance obligations for hospice care.
Source: insuranceadvice.com

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

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

Medicare Supplemental Insurance

The very prices of most insurance plans variety from state to convey. Some related the well referenced insurance companies are probably Anthem Blue Cross, Aetna, BlueShield associated California etc. All of all these companies give generally same benefit by the policies, no more than the cost is distinct. The benefits that experts claim are provided through the process of these companies are typically set by you see, the US govt., but the cost is set by the private insurance companies. These policies typically usually made owning the older consumers in mind, so that they do not have in face any cost effective problem if they are sick or undergoing treatment operating in any hospital. However, no people pays the full money required; best a part was paid by the most important insurance companies. Medicare Component C: Medicare insurance Component C (also named the Medicare insurance Gain Program) links to a lot more detailed insurance coverage plans accessible to seniors because of personal insurance organisations and businesses. Component C’s positive resources contain protection given underneath Areas The particular and B, in the role of very well by means of dental, vision and as well other benefits. Aspect C most often incorporates Portion D coverage as in the right manner. Some Component C techniques require the collection of a distinct top quality in addition to the top-rated quality needed by Component B coverage. You might want bought Medicare component A and Medicare insurance aspect B to help you qualify for a Credit Card Co Trying to sell me Medigap Coverage – Pros and Cons policy. Although picking the appropriate prepare for you’re health-related wants, make confident you are not searching for the least expensive plan only. The rewards are typically packaged in other ways in every particular person program. For anyone obtaining it intricate to adhere to actually Medicare Supplemental Insurance cover policies, there are usually resources obtainable may aid you consider. Ahead of taking a closing determination, discover out how a insurance business batches your premium. This particular truth here is that any a lot more money that golden-agers may have is going to spend money on prescription drugs and furthermore pay for Medicare insurance and Medicare supplements, both of which have increased all over cost quite extensively. In light to that particular revelation, politicians have seen a chance help make matters a difference and as well as are lobbying for extra funds for be given returning to seniors in the 2010 season. The policy is designed to hide the gap with regard to Medicare plans. For example health-related professional bills not paid by Medicare, coinsurance outlays for doctor simple living expenses already covered to Medicare, the price skilled nursing care, the cost a good additional 365 months in hospital (after the initial 50 covered by Medicare) and emergency to another country healthcare. Again, the actual rewards and areas talked about depends on a few plan chosen. Should you are over age of 64, or if perhaps you know someone approaching 65, an individual might be probably considering methods health care videos and have the majority of questions about Personal Security, Medicare, prescriptions and everything else as well as how it coordinates together. Click here improving quick tips on a picking an unique health insurance course. In good health individuals that complete not have health insurance through their employer and can not qualify towards Medicaid may consider that their state has an insurance plan specifically these. For example, Indiana has the right relatively new healthiness insurance plan phoned HIP (Healthy Indy Plan) which serves up the needed direct exposure at an fair price.
Source: typepad.com

How To Know If You Need Medicare Supplemental Insurance

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

Greatest Medicare Supplemental Indemnity For Better Benefits

Casually that there could be more to our own actual cost akin to Medicare than an initial premiums with regards to Medicare Part Any and B. You will have co-pays and subjected office visits to meet. This is even the different picks in Medicare extra insurances come on the road to play. Medicare insurance supplemental plans while policies help that will cover deductible and additionally co-pays. Individual policy offers a variety of coverage options. You will would prefer to determine exactly what policy will give good results best for your situation.
Source: plaintiffs-law.com