Oklahoma Medicare Enrollment Process

Posted by:  :  Category: Medicare

Benefit Security Card .. HALF of the U.S live in households that receive government benefits (26 May 2012) ...item 2.. Brevard man gets 4 years in Social Security fraud case (Jun 1, 2012 ) ... by marsmet481Original Medicare (Part A and B) is certainly a big help with medical expenses, but it doesn’t cover everything. In fact, with deductibles alone, out-of-pocket expenses can be in the thousands. Medicare supplement insurance, also called Medigap, is designed to help cover the gaps in coverage that Original Medicare doesn’t cover. If you’re considering Medicare supplement insurance, remember that the best time to buy is during Initial Enrollment when you first turn 65. If you purchase during this time, you cannot be denied coverage, even with known health problems.
Source: oklahomamedicarehealth.com

Video: Enrolling in Medicare

Office of Statewide Benefits provides information on Medicare Parts A, B enrollment

Failure to enroll and maintain enrollment in Medicare Parts A and B upon eligibility may result in the subscriber being held financially responsible for the cost of all claims incurred, including prescription costs. Retirees and spouses enrolled in Medicare Parts A and B must provide a copy of their Medicare Identification Card to be enrolled in the state of Delaware Special Medicfill plan.
Source: udel.edu

Medicare Advantage: Providing Quality Care to More than 14 Million Beneficiaries

Medicare Advantage plans are a valuable resource in protecting beneficiaries from unpredictable out-of-pocket costs. In 2012, all Medicare Advantage plans offered an out-of-pocket maximum limit for beneficiary costs, and about 78 percent of Medicare Advantage enrollees are in plans that have annual out-of-pocket maximums of $5,000 or less. These out-of-pocket maximums – which are not offered by the Medicare FFS program – help protect Medicare beneficiaries from catastrophic health care expenses that otherwise might pose a serious threat to their financial security.  Medicare Advantage plans also help reduce out-of-pocket costs for enrollees by reducing premiums for Part B and Part D, and by limiting cost-sharing for Medicare-covered services, including primary care physician visits and inpatient hospital stays.
Source: ahipcoverage.com

Medicare Advantage works well when you are healthy

If you’re running a business and trying to make a profit, and your model is based on receiving a fixed monthly payment for individual, paying a significant portion of the costs of their care, and pocketing the difference, what are your incentives? If you answered, “To pay as little for their care as possible,” you’re on the right track. But they can’t do this by denying benefits to those of their enrollees who use the most care. What they can do, is work diligently to target only healthy people to enroll in their Medicare Advantage plan. The strategy is simple: By selecting healthy individuals who will use less health care, they keep their costs down, and generate larger profit margins. Meanwhile, traditional Medicare gets left caring for the sickest subset of the elderly and disabled population.
Source: kevinmd.com

VPR News: As Deadline Approaches, Welch Urges Seniors To Enroll For Medicare

"A lot of folks have already made their decision but some have yet to make it and it’s time to review your medical situation and then to decide what’s the best plan for you and how can you get the drugs you need at the lowest possible cost," Welch said.
Source: vpr.net

CMS Announces 2013 Application Fee for Medicare, Medicaid and CHIP

On November 30, 2012, CMS announced the 2013 application fee for those providers initially enrolling in Medicare, Medicaid, or CHIP or revalidating an enrollment or adding a new location.  This application fee applies to those providers submitting an 855A application form, which is the form that health centers use to enroll in the Medicare program. The 2013 fee will be $532.00, effective January 1, 2013.  This is a $9.00 increase over the 2012 fee.
Source: nachc.com

Expert Tips to Simplify Medicare Plan D

 Part D Plan is a network pharmacy that offers covered drugs to plan members at lower out-of-pocket costs than what the member would pay at a non-preferred network pharmacy. This can make huge difference in what you’ll pay. For example, Walmart is a preferred pharmacy on multiple plans including the Humana-Walmart Preferred Rx Plan. They provide access to the top ten hypertension drugs for just one cent. So if you’re one of the 70% of Americans over the age of 65 who have high-blood pressure, you can get a month’s worth of the medication you need for just one penny!   Just one specific example of how it can pay to do your homework.”
Source: alexisabramson.com

Is it too late to enroll in Medicare Part D?

One website that can help you select a plan is the CVS Medicare Part D Calculator, which helps you calculate the lowest cost plan, shows you medications covered under that plan, and whether or not you can get the drugs at a convenient drug dispensatory. CVS claims people can save an "average of over $600."
Source: ohmygov.com

Schumer and Pierluisi Introduce Puerto Rico Medicare Equity Legislation

Over the years, the responsible federal agencies have done a poor job informing beneficiaries in Puerto Rico about the opt-in requirement and the consequences of late enrollment.  Therefore, many of my constituents fail to realize they lack Part B until they get sick and need to visit a doctor, by which point significant time may have elapsed.  To illustrate the repercussions, consider the standard Medicare Part B monthly premium of $105 dollars.  An individual who enrolls two years late must pay a 20 percent surcharge—an additional $21 dollars per month.  Over one year, that is $252 dollars.  Over 20 years, it is $5,000 dollars.
Source: puertoricoreport.org

Free information session on navigating Medicare March 21

Confused about Medicare and your health insurance options? You’re not alone! Join Human Resources for a free information session from 1:30 to 2:30 p.m. Thursday, March 21, in Light Hall, Room 202. The session is directed to employees aged 62 and older, but all are welcome to attend. No registration is required.
Source: vanderbilt.edu

When and How Do I Enroll For Medicare?

You become eligible for Medicare at age 65 or younger, if disabled. This is called the Initial Enrollment Period. You have seven months to enroll, starting three months before your 65th birthday. Do not delay doing this, as there could be penalties. Keep in mind that you can sign up directly by contacting Medicare, or you can enroll through a private insurer that has a Medicare Advantage Plan. (This is a plan that offers extras, like dental or prescription plans.)
Source: seniorcorps.org

How Do You Enroll in Medicare?

There are three different enrollment periods during which your senior may apply for Medicare coverage. The first is the Initial Enrollment Period. This starts three months before the 65th birthday and spans seven months total. Next is the General Enrollment Period, which takes place during the first three months of the year. The final opportunity to access Medicare coverage is the Special Enrollment Period, which starts after an individual loses private insurance and lasts for eight months.
Source: abc-eastside.com

Increased hospice enrollment would save Medicare millions each year, researchers find

Increasing hospice enrollment would improve care for beneficiaries while saving the Medicare program millions of dollars annually, according to a study in the March issue of Health Affairs. Researchers at the Icahn School of Medicine at Mount Sinai Medical Center in New York City looked at 2002-2008 survey data and Medicare claims of 3,069 people. Those who enrolled in hospice cost the Medicare program less than those who did not enroll in hospice, the researchers found. The most savings occurred for Medicare when patients entered hospice 15-30 days prior to death, according to the report. If 1,000 additional beneficiaries enrolled in hospice during this window of time, the Medicare program would save about $6.4 million annually. Medicare would save more than $2.5 million annually if 1,000 additional people enrolled in hospice 53-105 days before death. Increased hospice care would also lower 30-day hospital readmissions rates and positively impact quality of care measures, the researchers stated.
Source: mcknights.com

Cut Medicare Advantage plans and save money

To the group supporting keeping Medicare Advantage plans: Your group wants to continue a program spending taxpayer monies faster than regular Medicare. Each person on an Advantage plan costs the tax payer 14 to 15 percent more than one on Medicare as it was originally designed.
Source: dallasnews.com

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

Posted by:  :  Category: Medicare

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

Video: FREE MEDICARE LEADS/ MEDICARE SUPPLEMENT LEADS/ INSURANCE SALES LEADS

Medicare Supplement GI Thread

Rather than search all through the forums and internet collecting this data, I figure I would start a thread about state GI periods. Please feel free to reply if your state has a GI period based on the client’s birthday or anniversary date. I will update this top thread as answers or changes come in. Alabama Alaska Arizona Arkansas California – 30 Days after birthday Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas – NONE Kentucky – NONE Louisiana Maine – GI at any time provided you move to plan of like or lessor value (no more than 90 break in coverage) Maryland Massachusetts Michigan – NONE Minnesota Mississippi Missouri – Annually on the Anniversary date of the supplement Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York – GI All year North Carolina North Dakota Ohio – NONE Oklahoma Oregon – 30 days after birthday Pennsylvania – NONE Rhode Island South Carolina South Dakota Tennessee – NONE Texas – NONE Utah – NONE Vermont Virginia – NONE Washington – Washington, is odd, You can change medicare supplements at any time as long as you currently have coverage. You can also switch from MA to supp. West Virginia Wisconsin Wyoming
Source: insurance-forums.net

When Working Medicare Supplement Leads, Agents Must Make Sure Customers Are Aware of Medicare Scams

Your customers need to know about Medicare supplement lead scams. Ensure they get the best information when a new scam is making the rounds. “Medicare is complicated enough without seniors having to worry about the latest scam to take their money, and give them nothing in return,” said Clelland Green, RHU, CEO, and President of benepath.net, Pennsylvania. “If it isn’t a lottery scam, or a credit card scam, it can be a scam aimed at seniors who qualify for Medicare. When it comes to illegal schemes to rip others off, knowledge is power. Make sure your customers and potential customers know the latest information.” Seniors who get a phone call from someone claiming to be from Medicare — beware. The thieves on the other end of the line are trying to steal your identity. This scheme is a variation on credit card frauds, and happens in virtually every state. “Callers say they represent Medicare and try to get a senior’s personal information, often resulting in financial theft on top of identity theft. It does not seem possible that someone would want to rip off seniors, but it is being done, and more often than we may be aware of,” cautioned Green. To help clients and potential clients, keep on top of the latest fraud information out there. Check the U.S. Department of Health & Human Services Centers for Medicaid & Medicare Services to find out how to report Medicare fraud, visit the U.S. Senate Special Committee on Aging and read the Elder Fraud and Abuse section, or check out the National Consumer Protection Resource Centre and read about their Senior Medicare Patrols, fraud prevention and health care fraud videos. “Arm you clients with the best information on scams you can find. They will thank you for it,” Green says. “Conversely, if you know of a scam, report it, Medicare insurance fraud is a serious crime. Help stamp it out when you find it. Many seniors are too embarrassed to report they were scammed, and that means con artists continue to steal money unchecked. It’s your responsibility to take action,” said Green. To learn more about Medicare leads, visit http://www.benepath.net
Source: sbwire.com

Medicare Advantage Referrals Joint Venture

No. 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

Medicare Supplement Leads Pay Off, Whether It’s Now or Later

Even though Medicare supplement leads are often viewed as a slam dunk, there may be individuals on your list who take weeks or months to purchase a plan. It’s important to keep working all your leads as each person has their own timeline for buying health insurance. This doesn’t mean being pushy and over the top, but it does mean regular contact just to let them know you haven’t forgotten about them and are there to answer any questions they may have.
Source: benepath.net

Benepath CEO Says Exclusive Medicare Supplement Leads Need Personal Touch

And don’t forget the most important thing: the personal touch. “A personal note of thanks, encouragement or an offer to help by providing more information will be remembered. Ensure your notes are personal and not canned. Take the time to either email a note of your own creation, or send something by snail mail. While it may be a shame that the personal touch seems to have gone the way of the dinosaur, there is nothing saying you can’t bring courtesy, kindness, thoughtfulness and genuine caring to the way you do business. The results may surprise you,” said Green.
Source: openpaperwire.com

Medicare Supplement Leads Review

Be CAREFUL with Precise Leads!!!! Their leads are NOT CMS compliant, will get you in trouble and they will NOT refund you your money. I was contacted by Precise Leads and their pitch was very good. I asked if they called and confirmed with the clients that we could contact them and they promised that the only leads that were supplied to us were leads where they had actually signatures and/or voice recordings by the Medicare Eligibles allowing us to contact them. I decided to try them out and gave them an initial amount of $300.00. When I got the first batch of leads from them, none of the individuals that I contacted stated that they had agreed to be contacted by me or any other agent, a CLEAR violation of CMS guidelines. I stopped calling the leads immediately and addressed my concerns with Precise Leads. I asked for confirmation that they had permission from the Medicare Eligibles and they wouldn’t provide it to me, so I told them that I did NOT want to continue and for them to refund me my money. They said that they have a no refund policy and instead, they would continue to provide me leads until my $300.00 ran out. WHY would I want leads that I am afraid to call on? This company is a scam and everyone should run away from them as far as possible. DO NOT GIVE THEM ANY MONEY AND DO NOT USE THEM!!! IT IS YOUR LICENSE ON THE LINE, NOT THEIRS, SINCE THEY DON’T EVEN HAVE A LICENSE. They have not sent me any more leads but they have also not refunded me my money either.
Source: insurance-forums.net

Medicare Leads, Medicare Sales Leads, Medicare Supplement Leads

Those who are experiencing relationship and communication problems can meet with a Marriage Counselor for the purpose of improving their marriage or relationship. Marriage Counseling takes a holistic approach in making the primary focus of the therapy on the relationship, rather than solely on the individuals in the marriage. Many therapists offer adjunctive Marriage or Couples Counseling to supplement one’s individual or family therapy and many therapists specialize in Marriage Counseling or Family Therapy, and have a Marriage and Family Therapist (MFT) license. The same theorists who were at the forefront of family therapy such as Murray Bowen and Virginia Satir, of course, contributed to Marriage Counseling, as has Dr. John Gottman, a recent phenomenon in the field of marriage research. When undergoing Marriage Counseling it may seem that your "relationship" is the "client" as you, your partner, and your therapist work together to determine what your goals are within your relationship. A Marriage Counselor will also be on the lookout for other feelings or experiences that are being "brought into" the relationship. You, your partner, and your therapist will look at patterns that show up between you, as well as other internal and external experiences that impact the relationship. With that in mind, those patterns are likely to show up in your sessions, just as they do outside of it. When they do, your Marriage Counselor may also encourage you to explore them as they occur, "in the now," in order to support you in adopting more helpful patterns, roles, and ways of communicating. There are a multitude of different approaches to Marriage Counseling, Imago Therapy, for example, explores how we, unconsciously, choose a partner who reflects back the very things that we must "work on." The inevitable conflicts that arise in relationships are actually ways to explore what you, yourself, can start healing. Your partner becomes a "mirror" of sorts, reflecting back what is in your subconscious world. In Emotionally Focused Therapy, partners are encouraged to examine how communication styles, or "attachment" experiences present themselves in their current communication and interactions.
Source: vietnamtravelforum.com

Life Insurance: Points to know about a Medicare Supplement Leads portal

One thing that keeps haunting and concerning all Medicare health insurance agents after they buy the services of the online leads generation portal is the fact that whether the portal will in reality proffer them with enough and relevant leads or otherwise. This is something you should be wary of before you buy the help. In order to raise the revenue of the business and receive credible leads, it’s important for you to first execute a research in regards to a list of portals and settle having a single one only after ensuring its quality and capacities. Following are a few of the points you have to cross check because these are the elements that ensure appropriate generation of Medicare supplement leads. Have a look, First and foremost you have to clarify if the order process in the portal is straightforward and easy to comprehend or not. An order process always must be uncomplicated. As you gather your wellbeing insurance leads or even the Medigap leads you need to get the chance to get the relevant business call sales leads according to the income degree of the prospective customers with regards to the insurance products you are offering. The Medicare supplement leads ought to be generated and also the appointments ought to be set in advance regularly at least 2 days in advance by experienced appointment managers and sales departments throughout the Usa. Moreover, the portal, or even the company should permit you to arrange your own low cost and cent percent exclusive Medicare Supplement leads using the relevant beneficiaries. The company should create the list of Medicare leads for insurance agents in additional than 48 states with the country. There on, the portal should provide you with the chance to choose about the desired selections while you please with respect to the elements like income levels and also the geographical location or even the territories. The listing of leads ought to be delivered to the agents individually in Microsoft Excel format the moment an order gets confirmed. The leads provided must have the following information; name, middle name and surname of the customer, his hair straightners themselves and the income levels that every one of them is associated with. Other than these guidelines, in order to ensure the authenticity and also the worthiness from the company and if the generated leads is going to be relevant or otherwise, you can also make certain whether this portal offers only a single Medicare list result in each household or otherwise. If you find that it delivers in addition to that then you should do not buy leads out of this company because there is a very fat chance that lots of of these leads will not be original.
Source: blogspot.com

Medicare Supplement Leads Now

Most internet-generated leads are sold to 3 or more agents. The good news is that most agents are lazy. If you follow what we teach you on this site, you can buy these leads for a fair price and close 30% for a tremendous return on your investment.
Source: medicaresupplementleadsnow.com

Getting Medicare Supplement Leads

Given such a back drop the most suitable option left is to buy the Medicare supplement leads at the Internet from any of the host of companies that particularly deal in this sector. Everyday thousands of viewers and prospective customers relevant to your business criteria log online to look for what exactly they have in store. But the point is even if it is the case that they are looking for something exactly similar to what you are offering, yet they do not know that you offer it or that those offers actually exist with your products. In fact if you actually carry out research at the search engines, you will find that though you offer relevant products, you are nowhere near the top searches while agents and brokers who don

Social Security: The hunt is afoot for Medicare Part D

Posted by:  :  Category: Medicare

HERES YOUR TOP TEN by SS&SSYou can complete an easy-to-use online application for Extra Help at www.socialsecurity.gov. Click on Medicare on the top right side of the page. Then click on “Get Extra Help with Medicare Prescription Drug Plan Costs.” To apply by phone or have an application mailed to you, call Social Security at 1-800-772-1213 (TTY 1-800-325-0778) and ask for the Application for Extra Help with Medicare Prescription Drug Plan Costs (SSA-1020). Or go to your nearest Social Security office.
Source: nevadaappeal.com

Video: Nevada Medicare Supplement Plans- 1.800.643.7544

CPA Previews Tax Year 2013

But a new 3.8 percent Medicare tax, passed three years ago as part of the Affordable Care Act, got far less ink. The new Medicare tax, passed three years ago as part of the Affordable Care Act, means passive rental income is now considered investment income, along with capital gains, interest income and dividend income. All of these items of “investment income” are subject to the new 3.8 percent Medicare tax if your investment income is above $200,000 or married tax payers with investment income in excess of $250,000. Few have focused on the fact that the new law includes rental income in its definition of investment income. This means that the owner of a building will owe the 3.8 percent Medicare tax on the rental income. This tax is in addition to the regular tax, potentially resulting in a total tax on the rental income of 43.4 percent.
Source: nevadabusiness.com

Nevada governor first Republican to support Medicaid expansion under Obamacare

FILE – In this Jan. 18, 2012, file photo, Nevada Gov. Brian Sandoval speaks in his office in Carson City, Nev. Don’t mistake Sandoval’s invitations to the Republican presidential contenders as anything more than a hospitable gesture. The governor is staying out of the nomination fight despite his rising stature in the GOP, or perhaps because of it. Sandoval has invited the candidates to his office this week as they campaign ahead of Saturday’s caucuses. If they make the trip to Carson City, they can count on a smile and a firm handshake but no public stamp of approval. (AP Photo/Cathleen Allison, File)
Source: dailycaller.com

Medicare Advantage: Alternatives to the Sierra Nevada Spectrum in Las Vegas, NV

Because your plan is leaving Clark County, NV, you have the right to buy a Medicare Supplement regardless of existing health issues.  You cannot be denied for medical reasons.  The monthly premiums for supplements are higher, but you will have the ultimate freedom because you can go to any doctor or hospital in the country that accepts Medicare.  You will not have to pay co-pays if you select a Plan F, and you will not need referrals to see specialist. OPTION 3 – Select a Medicare Advantage HMO:
Source: suncityfinancial.com

Nevada Daily Mail: Column: : It is now Medicare open enrollment

The prescription drug program may be included in a Medicare Advantage Plan or it can be a stand alone Part D. There is help for many people to assist with the cost of prescriptions. There are many that qualify for help and do not realize it. Those on Low Income Subsidy with Social Security need to apply for renewal each year. It will depend on the level of Low Income Subsidy for the amount of assistance received. Those on full LIS will have their Medicare Part B premiums paid, as well as their Part D Plan premiums and have a low co-pay for prescriptions. Many people can also get help from the Missouri Prescription Plan. Many can get help with prescriptions even if they do not qualifying for the low income subsidy. You must have a Plan D to receive help with the Missouri Drug Plan.
Source: nevadadailymail.com

Medicare Supplement GI Thread

Rather than search all through the forums and internet collecting this data, I figure I would start a thread about state GI periods. Please feel free to reply if your state has a GI period based on the client’s birthday or anniversary date. I will update this top thread as answers or changes come in. Alabama Alaska Arizona Arkansas California – 30 Days after birthday Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas – NONE Kentucky – NONE Louisiana Maine – GI at any time provided you move to plan of like or lessor value (no more than 90 break in coverage) Maryland Massachusetts Michigan – NONE Minnesota Mississippi Missouri – Annually on the Anniversary date of the supplement Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York – GI All year North Carolina North Dakota Ohio – NONE Oklahoma Oregon – 30 days after birthday Pennsylvania – NONE Rhode Island South Carolina South Dakota Tennessee – NONE Texas – NONE Utah – NONE Vermont Virginia – NONE Washington – Washington, is odd, You can change medicare supplements at any time as long as you currently have coverage. You can also switch from MA to supp. West Virginia Wisconsin Wyoming
Source: insurance-forums.net

Senior Care Plus Offers Daily Meetings During medicare Enrollment Period

This entry was posted in Press-Media Releases and tagged advantage plan, annual enrollment, answ, benefit, carson city, churchill, convenience, eligible beneficiaries, enrollment period, government programs, health, health care, health care reform, home appointments, hometown health, informational group, informational meetings, insurance carrier, insurance plan, lyon, medical prescription, medicare, medicare enrollment, medicare managed care, medicare part b, prescription drug plans, private health insurance, reno, reno nev, right insurance, senior, sparks, supplemental benefits, wh. Bookmark the permalink.
Source: nvseniorguide.com

The Novel Method Nevada Uses to Reduce Mental Illness in its State: Patient Dumping

Dr. John Grohol is the CEO and founder of Psych Central. He is an author, researcher and expert in mental health online, and has been writing about online behavior, mental health and psychology issues — as well as the intersection of technology and human behavior — since 1992. Dr. Grohol sits on the editorial board of the journal Cyberpsychology, Behavior and Social Networking and is a founding board member and treasurer of the Society for Participatory Medicine. Like this author? Catch up on other posts by John M. Grohol, PsyD (or subscribe to their feed).
Source: psychcentral.com

More than 1,600 Las Vegas Cancer Patients Helped by Patient Navigator Program in 2012

Through charitable grant making, the – Anthem Blue Cross & Blue Shield Foundation LLC, an independent licensee of the – Blue Cross & Blue Shield Association, promotes Anthem’s inherent commitment to enhance the – health & well-being of individuals & families in communities in that Anthem Blue Cross & Blue Shield serves. The Foundation focuses its funding on strategic initiatives in that address & provide innovative solutions to health care challenges, as well as promoting the – Healthy Generations Program, a multi-generational initiative in that targets specific disease states & medical conditions. These include: prenatal care in the – 1st trimester, low birth weight babies, cardiac morbidity rates, long term activities in that decrease obesity & increase physical activity, diabetes prevalence in adult populations, adult pneumococcal & influenza vaccinations & smoking cessation. The Foundation moreover coordinates the – company’s annual yearly associate giving crusade & its parent foundation provides a 50 % match of associates’ crusade pledges. ®ANTHEM is a registered trademark of Anthem Insurance Companies, Incorporated The Blue Cross & Blue Shield names & symbols are registered marks of the – Blue Cross & Blue Shield Association.
Source: lasvegasnvblog.com

Savvy Senior: How Medicare covers diabetes

Screenings: If you don’t have diabetes, but you do have pre-diabetes or some other health conditions that put you at risk of getting it – such as high blood pressure, high cholesterol and triglycerides, are overweight, or have a family history of diabetes – Medicare will pay 100 percent of the cost of up to two diabetes screenings every year.
Source: bradenton.com

State Roundup: Ga. Considers Medicaid Managed Care ‘Light’ Touch

Posted by:  :  Category: Medicare

Save Medicare --Jim Parker by faulModern Healthcare: AMA Joins Friend-Of-The-Court Brief In Fla. ‘Docs And Glocks’ Case The American Medical Association and nine other medical specialty societies have filed a friend-of-the-court brief opposing a Florida statute that prohibits physicians from asking patients and families about guns in their home and from noting a patient’s gun ownership in his or her medical record. “Not only do physicians lose the right to express themselves freely, but their patients are deprived of the full range of medical care and professionalism that they could expect from their physicians,” the brief stated. In July, a U.S. District judge in Miami blocked enforcement of the law. The state of Florida appealed this decision. The brief filed by the medical societies is in opposition to Florida’s appeal (Robeznieks, 11/5).
Source: kaiserhealthnews.org

Video: Rep. Phil Gingrey (R-GA) Discusses Paul Ryan’s plan to save Medicare on CNN’s Early Start

Medicare agrees to cover TMS treatment for depression in TN, GA, AL

“TMS will now be available to more patients, giving them the hope of living a life free of depression,” said Burton Hills-based Dr. Scott West, who was the first local psychiatrist to acquire the TMS machine, a space-age contraption that looks similar to a dentist’s chair. West has been using TMS to treat patients since 2010. (See our September magazine story here.)
Source: nashvillepost.com

Georgia Cancer Specialists Settles with Feds over Medicare Billing

The civil settlement resolves the United States’ investigation into Georgia Cancer Specialists’ practices relating to billing for evaluation and management (E&M) services on the same day as a related procedure. Generally, providers are not permitted to bill both E&M services and a related procedure on the same day under the Medicare program’s regulations. In specific circumstances, providers can avoid this prohibition by submitting their claims marked with modifier -25, which tells Medicare to pay both the procedure and the E&M service. Here, the U.S. Attorney’s Office alleged that Georgia Cancer Specialists applied modifier -25 to claims that did not qualify for its use, leading to overpayments by Medicare.    
Source: patch.com

Expand Medicaid to Reduce Uninsured in Georgia

AARP Georgia’s top legislative priority this year is getting many of those people — and hundreds of thousands of others in the same boat — covered under Medicaid, the federal-state health insurance program for the poor.
Source: aarp.org

Medicare Open Enrollment Ends December 7

December 7 is the last day of Medicare Open Enrollment when you can switch, drop or add a Medicare Advantage Plan (Part C) and Prescription Drug Plan (Part D).  The decision making process can be a confusing and challenging process and as a Health Agent, certified by the Center For Medicare and Medicaid Services to represent major private insurer’s with Medicare contracts, I welcome the opportunity to provide assistance to Beneficiaries and those “aging-in” to Medicare.
Source: patch.com

WellCare Medicare Contract (With Lead Program) « Insurance News from Crowe & Associates

Lead Program-  To help our brokers sell, Crowe and Associates will pay a $50.00 lead incentive per application sold.  The lead incentive will be paid monthly by Crowe and Associates.  All commissions will be paid directly from Wellcare. Only the lead incentive will be paid from Crowe and associates on a monthly basis.  There is no cap to the incentive.  Any charge backs will be held out of future payments.  The $50.00 lead incentive will be paid on the initial application only. It will not be paid on the renewal.
Source: croweandassociates.com

Ga. parents of autistic children fight for new law

x3Cpx3ESixx2Dyearx2Dold Landon has no words, said Anna Carpenter, his mother. He canx26rsquox3Bt do anything without help, even seemingly simple things like brushing his teeth or feeding himself.x3C/px3Ex0Dx0Ax3Cpx3ELandon is autistic and health insurance doesnx26rsquox3Bt cover therapy that would help him.x3C/px3Ex0Dx0Ax3Cpx3EThe Georgia Senate Insurance and Labor Committee is scheduled to hold a hearing Monday on x26ldquox3BAvax26rsquox3Bs Lawx26rdquox3B that would require insurance companies and other health insurance plans to cover treatments for autism, including applied behavioral analysis.x3C/px3Ex0Dx0Ax3Cpx3EThe bill is named for Ava Bullard, an 8x2Dyearx2Dold girl from Lyons with autism, whose mother, Anna, has advocated for expanded autism coverage.x3C/px3Ex0Dx0Ax3Cpx3EGeorgia is one of 18 states that doesnx26rsquox3Bt require insurance plans to cover autism treatments. Carpenter, other mothers and supporters are planning to show up at the state Capitol to show their support for legislation. But with just 10 days remaining in the legislative session, its chances of passing are dim.x3C/px3Ex0Dx0Ax3Cpx3Ex26ldquox3BHe seemed like he didnx26rsquox3Bt even know that I was his mother,x26rdquox3B Carpenter said of Landon. x26ldquox3BI would try to play with him, make funny noises, try to get his attention. He would never look at me.x26rdquox3Bx3C/px3Ex0Dx0Ax3Cpx3EAt age 1, Landon could say about four words, but his speech disappeared as he entered a period of isolation so deep his mother said he didnx26rsquox3Bt seem to know people were around him. Landon has severe autism, along with several related illnesses, including disorder of the central nervous system, cognitive delay and sensory integration disorder. He will selfx2Dstimulate by jumping up and down and biting his hand. He smiled for the first time a year and a half after he sank into isolation.x3C/px3Ex0Dx0Ax3Cpx3Ex26ldquox3BAnd the first time I finally got him to smile was just, of course, a tearful, joyous moment,x26rdquox3B Carpenter said. x26ldquox3BIt was as if hex26rsquox3Bd never seen me before and hex26rsquox3Bd just noticed me.x26rdquox3Bx3C/px3Ex0Dx0Ax3Cpx3ELandon was diagnosed when he was 2 years old. His doctor recommended several treatments, including speech, occupational and physical therapies and applied behavioral analysis. He has Medicaid and qualified for a Katie Beckett waiver, a program that allows the state to ignore family income for certain disabled children who qualify under federal Social Security requirements. The other therapies are covered, but not ABA.x3C/px3Ex0Dx0Ax3Cpx3EThe therapy works to encourage certain behavior by breaking down a behavior into steps and rewarding the desired behavior. Itx26rsquox3Bs expensive and therex26rsquox3Bs a shortage of analysts in Georgia.x3C/px3Ex0Dx0Ax3Cpx3ECarpenter takes Landon to the Marcus Autism Center in Atlanta. An analyst can charge between $100 and $150 per hour, which can add up to tens of thousands of dollars a year. The doctor who diagnosed Landon recommended 20 hours to 40 hours a week of the therapy, a price tag the Carpenters couldnx26rsquox3Bt afford.x3C/px3Ex0Dx0Ax3Cpx3Ex26ldquox3BItx26rsquox3Bs undoable,x26rdquox3B said Carpenter. She said her sonx26rsquox3Bs health care insurer said it didnx26rsquox3Bt have to pay for it.x3C/px3Ex0Dx0Ax3Cpx3EJill Klinkx26rsquox3Bs family faced a similar problemx3B a private insurer said her sonx26rsquox3Bs autism was a mental illness, not a neurological illness. Judith Ursitti, director State Government Affairs of Autism Speaks, an advocacy organization, said autism is a treatable condition and children with intensive therapy and early intervention can x26ldquox3Blosex26rdquox3B their autism diagnosis.x3C/px3Ex0Dx0Ax3Cpx3EUrsitti plans on testifying before the Senate insurance committee Monday. The Special Advisory Commission on Mandated Health Insurance Benefits, created by Sen. Tim Golden, Rx2DValdosta, in 2011, will discuss autism legislation Tuesday. Golden, chairman of the Insurance Committee, created the commission to study the social and financial impact of legislation that mandates insurance benefits or providers. However, Ursitti said the organization has worked to pass autism legislation since 2009 and the commission has never studied the issue.x3C/px3Ex0Dx0Ax3Cpx3Ex26ldquox3BItx26rsquox3Bs important to note that therex26rsquox3Bs nothing that says they (lawmakers) have to wait for the mandate commission to act,x26rdquox3B she said.x3C/px3Ex0Dx0Ax3Cpx3EThere are bills in both the Senate and House, but their language is the same. x26ldquox3BCrossover Dayx26rdquox3B in the Georgia General Assembly on Thursday is the deadline when bills stuck in committees and not voted on out of one chamber are dead for that year. Both bills remain in each chamberx26rsquox3Bs insurance committees.x3C/px3Ex0Dx0Ax3Cpx3ELandon and Klinkx26rsquox3Bs son, Brinson, are in the same ABA class in the Hall County School District. Hall County has an ABA analyst who oversees a classroom and provides training.x3C/px3Ex0Dx0Ax3Cpx3EBrinson, 6, spends half his time in the ABA classroom and half his time in regular kindergarten with a teacherx26rsquox3Bs aide. He now is pottyx2Dtrained.x3C/px3Ex0Dx0Ax3Cpx3ELandon can now squeeze toothpaste on his toothbrush and unlock his iPad, and hex26rsquox3Bs pointing to buttons that say he wants to eat or drink.x3C/px3Ex0Dx0Ax3Cpx3EBoth moms wonder where their kids could be today if they had gotten the recommended ABA training early on. Itx26rsquox3Bs going to cost the state more in the future if this legislation doesnx26rsquox3Bt pass because these kids wonx26rsquox3Bt have the skills to become productive members of society, Klink said.x3C/px3Ex0Dx0Ax3Cpx3Ex26ldquox3BIt becomes pay now or pay later,x26rdquox3B she said.x3C/px3Ex0Dx0Ax3Cpx3EKlink started a Gainesville support group a year ago for other parents with autistic children. The next meeting is from 6x2D7:30 p.m. March 25 at the Gainesville First Church of the Nazarene. The group is called ELLAFANT, which stands for Embracing the Lifestyle of Living with Autism Families Networking Together.x3C/px3E
Source: gainesvilletimes.com

Protect yourself against Medicare/Medicaid fraud — Business — Bangor Daily News — BDN Maine

Posted by:  :  Category: Medicare

Sign: Hands Off Social Security Medicare Medicaid www.saynocuts.org by Fifth World ArtThe site will still be viewable but certain elements might display incorrectly. In order to enjoy all the features of our site, we recommended you upgrade to a newer, more secure browser. Read more ». If you don’t have administrator privileges for your computer, you can still take action. Google has developed a free plugin for Internet Explorer called Google Chrome Frame. You can install it on any computer, even if you can’t install applications, and it will ensure your computer stays secure and that you can still visit our website. Enable Google Chrome Frame now »
Source: bangordailynews.com

Video: Medicare and Medicaid: What’s it all mean?

Liberals to Dems: Just Say ‘No’ to Cutting Social Security, Medicare, Medicaid

The sharp language from Ellison, Sanders and other liberals shows that Obama and Dem leaders will face a stiff headwind from the left if they stray too far on to “grand bargain” territory. The endgame here, however, remains murky. If Obama and Dem leaders do reach some kind of deal with Republicans in the Senate, some liberals might support it in the end if the President asks them to, just as liberals have previously proven willing to give away core priorities to advance his agenda. Or a deal might simply pass without liberals. Wherever this is headed, for progressives who want to make their opposition to any “grand bargain” benefits cuts known, the time is now.
Source: blogforarizona.com

Dueling Budgets Will Show Partisan Differences On Medicare And Medicaid

The New York Times: Cuts Give Obama Path To Create Leaner Military But the next set of cuts will be much harder, because they involve huge constituencies — in Congressional districts, inside the military services and among veterans’ groups. “The problem is that the biggest, most-needed cuts are in programs that also have the broadest set of defenders,” said Maren Leed, the director of the defense policy studies group at the Center for Strategic and International Studies in Washington and a former top aide to Gen. Ray Odierno, now the Army’s chief of staff. The most obvious examples of those problems come in base closings and higher co-payments or premiums for the beneficiaries of Tricare, the military’s sprawling health care program, which costs upward of $51 billion a year (Sanger and Shanker, 3/10).
Source: kaiserhealthnews.org

Ryan budget proposal calls for Medicare vouchers, Medicaid transformation

Ryan also proposed repealing the ACA and ending its optional Medicaid expansion, and turning Medicaid into a block-grant program. Under this system, states would receive a federal Medicaid contribution pegged to inflation and population growth, and would have greater flexibility in determining how the program is run. This would save the federal government $756 billion over 10 years, Ryan’s figures showed. However, his plan could result in as many as 27 million people losing Medicaid eligibility, according to Urban Policy Institute research cited by The Hill.
Source: mcknights.com

Melgen, Menendez throw spotlight on Medicare, Medicaid fraud

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

Why Obama's Crackdown on Medicare and Medicaid Fraud Will Fail

It may be the biggest long-running scam in America. Medicare and Medicaid fraud – estimated at somewhere between $60 billion to well over $100 billion a year – makes credit card fraud look like petty theft. Even the illegal drug business takes in less than the crime of scamming the government out of health care dollars intended for the poor and the elderly. Indeed, the annual amount of fraud dwarves the amount of new yearly spending on health care under the Affordable Care Act (ACA), a.k.a. Obamacare.
Source: reason.com

12 Recent Medicare, Medicaid Issues

Here are 12 issues dealing with Medicare or Medicaid that occurred in the past week, starting with the most recent. 1. After two months of failed negotiations, the across-the-board spending cuts — better known as sequestration — went into effect, putting billions of Medicare funding at risk. 2. CMS said President Barack Obama’s 2010 healthcare law, the Patient Protection and Affordable Care Act, has already made a sizable impact on the country’s healthcare system through reduced spending and increased health outcomes. 3. A study in Annals of Emergency Medicine found Medicare and Medicaid patients are more likely than other patients to be admitted to a hospital within seven days of being discharged from an emergency department. 4. HHS’ Office of Inspector General discovered Medicare has paid approximately $5.1 billion for skilled nursing facility stays that did not meet quality-of-care requirements. 5. After meeting with HHS Secretary Kathleen Sebelius, Arkansas Gov. Mike Beebe (D) announced the department had approved his proposal to channel federal money for Medicaid recipients into private plans offered on the state’s health insurance exchange. 6. Bruce Vladeck, PhD, former CMS administrator, gave his take on Medicare and Medicaid. 7. Many statistics and numbers are thrown around when healthcare policymakers and leaders discuss Medicare’s administrative costs, but an article set to appear in June’s Journal of Health Politics, Policy and Law aimed to alleviate the confusion associated with Medicare’s overhead costs. 8. At the National Governors Association Winter Meeting in Washington, D.C., HHS Secretary Kathleen Sebelius and others from her department met with individual governors who had not yet agreed to expand Medicaid in their states in an effort to woo them to accept the federal money available for those expansions. 9. Gov. Chris Christie (R-N.J) said he will agree to broaden the eligibility requirements for Medicaid under the Patient Protection and Affordable Care Act in exchange for federal funding, making him the eighth GOP governor to do so. 10. The American Hospital Association expressed support for a repeal of the Independent Payment Advisory Board, a Medicare cost-control entity created by President Barack Obama’s healthcare reform law. 11. Gov. Terry Branstad (R-Iowa) confirmed he will not support an expansion of Medicaid in his state, instead requesting HHS Secretary Kathleen Sebelius grant a waiver to continue and enhance the state’s IowaCare program. 12. GOP representatives of a Missouri House committee shut down an expansion of Medicaid supported by Democratic Gov. Jay Nixon.
Source: beckershospitalreview.com

Americans for Tax Reform : ATR Supports Hatch Ideas for Medicare, Medicaid Reform

On behalf of Americans for Tax Reform, I am pleased to support your five common-sense reforms to the Medicare and Medicaid systems.  They represent a serious down payment on reform, and are the first steps Congress should take in a broader health entitlement overhaul.  Your reforms include: Allowing the Medicare eligibility age to grow with life expectancy.  Under current law, the eligibility age for Medicare enrollment is 65.  Your proposal would permit this level to reflect longer life expectancy by increasing the age 2 months every year until a new age of 67 is met.  At that point, both Medicare and Social Security normal retirement ages would be aligned.  Because the change is not abrupt, it’s a fair deal for current and near-retirees who have planned their retirements around Medicare. Putting more market forces to work in Medigap policies.  Many seniors purchase “Medigap” policies to wrap around the holes in their traditional Medicare plans.  However, most of these Medigap plans provide first-dollar coverage, which means that seniors have little incentive to be smart about their heathcare purchases.  Your plan would prohibit Medigap policies from covering initial out-of-pocket expenses for seniors when they receive care, giving seniors a motivation to ask their doctors how much medical services will cost. Creating a simple, unified Medicare cost-sharing structure.  Most people are unaware that Medicare has a confusing hodgepodge of deductibles, coinsurance limits, and caps which make planning healthcare nearly impossible for seniors.  Your plan would create a simple system with one unified deductible, uniform coinsurance rates, and an annual catastrophic out-of-pocket cap. Allowing for competitive bidding within Medicare.  This is an idea whose time has come.  It has a long, bi-partisan history.  Its origins can be found in the 1999 Breaux-Thomas commission, but it also has roots in the Rivlin-Domenici plan, and most recently in the Ryan-Wyden agreement.  Letting private companies compete to provide Medicare services will provide better Medicare choices for seniors at less cost than the status quo. Putting a per-capita cap on Medicaid.  Similar to block granting, this form of defined contribution Medicaid reform has its origins in the Clinton Administration.  Spending limits would be set by beneficiary eligibility categories and adjusted for patient health condition.  Whether done per-beneficiary or per-state, it’s time for Washington to get out of the way and let the states reform Medicaid the same way they reformed welfare in the 1990s.  
Source: atr.org

Jackson Jambalaya: Medicaid: there are statistics and then there is reality

“Here’s the reality: Medicare and Medicaid services, including the “slide it to the states” for Medicaid, spent $1.053 trillion in FY2012. We took in just $201 billion in Medicare taxes. That is, the government is spending five times what it is taking in on health care. Where is the discrepancy? In the Medicaid department; the “as spent” figures, unless you look real closely, hide the giveaway to the states. But that of course is BS as there is no magical money fairy. For Social Security (including disability) the government took in $572 billion in FY2012. But the government spent $773 billion on both retirement and disability, or 35% more than it taxed. That’s not the only shocker. We gave $77 billion to people in the form of Earned Income and Child credits in excess of tax liability — that’s the amount that we literally handed out in welfare for simply being alive. And we did not spend $180 billion on interest either — we spent $359 billion. We can survive the Social Security problem. We cannot possibly survive spending five times what we take in via Medicare taxes and lying about interest cost will blow up in our face as well.” Post The federal government at some point will pull the rug out from under the states on Medicaid as the current path will force it to do so. Whether or not such rug-pulling will be voluntary or involuntary when the government is forced to make cuts remains to be seen. However, there is no question the trend is unsustainable. Something the local pro-Medicaid expansion forces wish to ignore. If you think you are seeing a Medicaid war now, wait until you expand Medicaid and then remove people from the program several years from now when the state is forced to do so. $1 trillion v. $200 billion. Yes, Bobby, lets look at the statistics and then ask the question: “can we afford it? down the road. The problems with PERS and MPACT are created in no small part because the legislature in its infinite wisdom decided to expand benefits when the money was flowing like the River Jordan. However, the famine that visited the land of Israel did visit the budget and those two programs. Those arguing for more Medicaid benefits have learned nothing and forgotten everything.
Source: blogspot.com

Bundled payments, DMEPOS, regulatory reform, and ESRD

We also announced a major expansion of the Durable Medical Equipment, Prosthetics, Orthotics, and Supplies (DMEPOS) Competitive Bidding Program.  In its first year of operation, competitive bidding, where prices are based on suppliers’ bids, saved the Medicare program, and taxpayers, over $202 million, while maintaining access to quality products for Medicare beneficiaries in the nine areas of the country where the program launched.   It’s a great example of the Administration’s determination to put the brakes on runaway healthcare costs.  With this expansion in the program, Medicare beneficiaries in 91 major metropolitan areas will save an average of 45 percent on certain DMEPOS items beginning in July.  Between 2013 and 2022, we estimate that the expansion of the DMEPOS program will save Medicare $25.7 billion, while saving beneficiaries, who pay a percentage for medical equipment and supplies, $17.1 billion through lower prices.
Source: medicare.gov

DiNapoli Finds Errors in Medicare, Medicaid Billing Costing NY $26m

The audit looked at claims for patients who are both Medicare and Medicaid eligible, which are known as crossover claims. In December 2009, the Department of Health implemented a new payment mechanism in e-med NY to achieve greater control over Medicaid payments.
Source: cnynews.com

CBO Updates Spending Projections for ACA, Medicare, Medicaid

According to CBO, the new estimate is the result of the American Tax Payer Relief Act, which maintained lower tax rates for U.S. residents with annual incomes below $450,000. The lower rates “reduce the relative attractiveness of employment-based insurance for low-income workers and for their employers.” In essence, offering health coverage as a tax-free form of compensation is less appealing when marginal tax rates are lower and a publicly subsidized option is available. CBO estimated that employers will pay $13 billion more in fines for non-compliance with the ACA’s employer mandate. 
Source: californiahealthline.org

Whistleblowing: Medicare and Medicaid Fraud, Fraudulent Conduct, the False Claims Act

Transmission of information to you from this website or receipt of documents or messages from you through this website does not create or establish an attorney-client relationship between you and Burg Simpson Eldredge Hersh & Jardine, P.C., nor is the information considered private or privileged. You should not rely on this web site as a source of legal advice. Legal advice of any nature should be sought from legal counsel.
Source: burgsimpson.com

Medicare Supplement Ins question?

Posted by:  :  Category: Medicare

Medical Drugs for Pharmacy Health Shop of Medicine by epSos.deYour issue is probably not with the Supplement but is with your drug plan. Are you sure that the drug plan you have is the best one for you? Also, if your only income is Social Security it is possible that you may qualify for LIS (Low Income Subsidy) which will bring your drug costs down to no more than $6.50 for each drug each month. Ask your agent for assistance. You can cancel a med sup at any time but also there may be another med sup that is less expensive. Be aware that you may not qualify to get back on one in the future because of your health. There may be Medicare Advantage plans in your area but unless you qualify for a special election period you will not be able to sign up for one until this fall. In the same way you will not be able to change drug plans even if there is one better suited for you.
Source: zqas.net

Video: Medicare Advantage vs. Medicare Supplement Insurance

Do I Need To Supplement My Medicare Ins?

Insurance companies that offer Medicare Supplement Insurance will need to provide Plan A. Insurance companies will also need to offer Plan C and Plan F. You have the option to choose from plans ranging from A through N. However, plans E, H, I, and J are no longer available. Insurance companies in your state may not offer all Medigap plans for purchase. They also cannot deny you a policy for any type of pre-existing health issue.
Source: seniorcorps.org

[WATCH]: Medicare Supplement Ins Video answers your Ohio ins quest.

http://www.OhioMedicareSupplementInsurance.com 888-225-2323 email info@healthinsuranceforohio.com If you are turning 65 or are unhappy with your Medicare Supplement Insurance and want to change you can now during Open
Source: wordpress.com

Medigap vs. Medicare Advantage Plan

Medicare Advantage comprises a variety of private health plans — most often HMOs and PPOs — that Medicare offers as a coverage alternative to the traditional program. Every plan must cover all the same benefits that traditional Medicare covers. But the plans can charge different copayments (often lower than the traditional program but not always) and offer extra benefits. Most charge a monthly premium in addition to the Part B premium, but some don’t. Most include prescription drug coverage at no additional cost. Some cover routine hearing and vision services, usually as a separate package for an additional premium. Another difference from the traditional program is that most plans require you to go to doctors and other providers within their service network or pay higher copays for going out of network.
Source: aarp.org

Medicare Supplemental Insurance

We also offer a Plan F High Deductible Medicare Supplement Insurance plan* that is designed to save you money if you stay healthy and keeps the cost of insurance affordable. There is a one-time deduction that must be met each year with this plan. With a Medicare Supplement Insurance plan from Pekin Life Insurance Company you will also have access to discounts on eye exams, eyeglasses, contact lenses, LASIK correction surgery, hearing aids, hearing exams, and more at NO CHARGE.
Source: pekininsurance.com

Health Products for Members: Health Insurance, Dental Insurance, Fitness

AARP Health is a collection of health related products, services and insurance programs made available by AARP. Neither AARP nor its affiliate is the insurer. AARP contracts with insurers to make coverage available to AARP members.
Source: aarp.org

AARP Games, AARP Term Life Insurance, AARP Membership, : MEDICARE SUPPLEMENT INSURANCE These companies have …

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Source: projectedu.com

Medicare Plan Finder for Health, Prescription Drug and Medigap plans

The page could not be loaded. The Medicare.gov Home page currently does not fully support browsers with "JavaScript" disabled. Please note that if you choose to continue without enabling "JavaScript" certain functionalities on this website may not be available.
Source: medicare.gov

Medigap Covers Some of Medicare’s Out

You can buy one of 10 standardized Medigap policies. Each policy is labeled with a letter of the alphabet — A, B, C, D, F, G, K, L, M, N — and offers a different range of benefits from the others. All policies include coverage for certain core benefits, such as copays for Part B services and extended stays in the hospital. For example: Medicare pays 80 percent of a doctor’s bill and your share is 20 percent. Medigap pays your share and you pay nothing.  Some policies provide more benefits — for example, covering additional out-of-pocket costs in Medicare and emergency medical treatment abroad.  Generally: the greater the coverage, the higher the premium. If you’re age 65 or older and buy a Medigap policy within six months of enrolling in Part B, you get full federal guarantees and protections.  This means that a Medigap insurer cannot turn you down or charge a higher premium because of current or past health problems and must cover preexisting medical conditions. (However, an insurer may delay coverage of treatment for a preexisting condition for a period, typically six months, after purchase. Some state laws give additional consumer protections in this regard.)   There are several other situations in which you’re entitled to these protections — such as losing employer health coverage, COBRA or retiree benefits that serve as secondary coverage to Medicare, or if you’re enrolled in a Medicare Advantage plan that closes down or you move out of its service area.  In these circumstances, the time frame for buying a Medigap policy is about two months. If you’re under 65 and have Medicare due to disability, these federal guarantees do not apply, although some states have similar protections. See related article: “Getting Medigap Insurance Under Age 65.” Things to remember when considering Medigap insurance
Source: aarp.org

Is a Medicare Supplement Necessary Under the Obamacare Plan?

Even with the new changes to Medicare, seniors that want to reduce their risk to the potential of high medical bills will need a Medicare supplement policy. Obamacare does nothing to change the 80/20 rule (e.g., Medicare pays approximately 80% of your medical bills and leaves you stuck with 20% of the liability). All of the reasons people purchase supplemental health insurance and a prescription drug plan still exist. Your Medicare Part B still has no “Out-Of-Pocket” limits and Medicare still does not pay for for your prescription drugs.
Source: medigapandyou.com

Avoid premium increases for Medicare Supplement Insurance

Ross Blair has applied more than 26 years of technology experience to develop PlanPrescriber.com, a website that makes it easier for seniors and their caregivers to select and enroll in the best Medicare products for their specific needs. In his role as CEO, he has worked closely with pharmacists, insurers, physicians, caregivers and seniors to identify the most critical and complex aspects of Medicare and create a system that delivers this information to consumers in a format that is easy to use and understand.
Source: ehealthinsurance.com

New WordPress Medicare Supplement Site for Sale

Posted by:  :  Category: Medicare

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:   How MAny caPitaL leTTeRrs arE in tHis queStioN? Agree to forum rules 
Source: insurance-forums.net

Video: United Healthcare Oxford Medicare Advantage Denies Coverage

In Conservative Arizona, Government

Still, in order to overcome Republican hostility to the federal insurance program for the poor – and the federal dollars that would flow for the first time into the state – lawmakers “didn’t want anything that sounded like Medicaid,” said Kirschner. “So they came up with this name.” The Arizona Health Care Cost Containment System, in local parlance AHCCCS or “access,” is such a pervasive brand in the state some beneficiaries and even lawmakers don’t realize it is Medicaid. And since its beginning, a long line of the state’s conservative lawmakers and governors have lent strong support to Arizona’s novel public-private model in which health plans are paid a set monthly fee and are expected to care for all of a patient’s needs.
Source: kaiserhealthnews.org

St. Joseph’s Contract With United/Oxford Expires

PATERSON, NJ – Authorities early Saturday morning arrested a 19-year-old city man and charged with attempted murder in the shooting of a woman in the 4th Ward last fall, according to Paterson police. Perry was arrested at 3 am by Cease-Fire Detectives Carlos Charon and Rolando Polio along with Passaic County Prosecutor’s Office Detective Rick Ferreira, according to a statement issued by the Cease-Fire unit. Authorities did n…
Source: thealternativepress.com

TREZZA v. TREZZA, , December 26, 2012

“Preemption analysis begins, as always, with reference to the well-familiar Supremacy Clause of the United States Constitution, which provides that federal laws ‘shall be the supreme Law of the Land; and the Judges in every state shall be bound thereby, any Thing in the Constitution or Laws of any State to the Contrary notwithstanding’ “ (People v. First Am. Corp., 18 NY3d 173, 179, cert denied ––– U.S. ––––, 132 S Ct 1929, quoting U.S. Const, art VI, cl 2). “Under the doctrine of federal preemption, Congress may preempt state laws, either expressly or impliedly” (Sharabani v. Simon Prop. Group, Inc., 96 AD3d 24, 28, citing Jones v. Rath Packing Co., 430 U.S. 519, 525). “Federal preemption of state laws generally can occur in three ways: ‘where Congress has expressly preempted state law, where Congress has legislated so comprehensively that federal law occupies an entire field of regulation and leaves no room for state law, or where federal law conflicts with state law’ “ (Sharabani v. Simon Prop. Group, Inc., 96 AD3d at 27, quoting Wachovia Bank, N.A. v. Burke, 414 F3d 305, 313[2d Cir], cert denied 550 U.S. 913; see Barnett Bank of Marion Cty. N.A. v. Nelson, 517 U.S. 25, 31). “In determining whether federal law preempts state law, the United States Supreme Court has instructed that a court’s ‘sole task is to ascertain the intent of Congress’ “ (People v. First Am. Corp., 18 NY3d at 179, quoting California Fed. Sav. & Loan Assn. v. Guerra, 479 U.S. 272, 280).
Source: findlaw.com

Oxford Senior Citizens Center Senior Community

How Do I Begin The Search For Care Options?What are the different options, and when are they viable options to consider?How do i know if my loved one is suffering from alzheimer’s disease?What assistance is available to help pay for care?What does medicare cover?How do i talk with my parents about making a transition?How to manage the family stress levels during this period?Are there any alternative options available for care?When does in-home care care make sense?What to look for, and how do i interview a care provider?
Source: ourparents.com

Amalgamated Life vs. Oxford Life Insurance Company

 To protect assets from tax and probate issues, the Advance Wealth Transfer and Efficient Wealth Transfer Single Premium Policies assist in the transfer of assets to heirs after a policyholder’s death. Offering a guaranteed death benefit and a guaranteed cash value with annual increases, these policies may also include accelerated benefit options for chronic or terminal illness and nursing home care. Advance Wealth Transfer is available to purchasers between 50 and 85, while the Efficient Wealth Transfer option can be purchased by those between 60 and 80.
Source: insuranceproviders.com

United Healthcare Oxford Medicare Advantage Denies Coverage

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Source: louisianahealthcareplans.com

Crapalachia: A Biography of a Place :: Oxford American

After dinner I took a nap and I dreamed a dream about the future and in this future I was dreaming a dream about the past. But in my dreams I’m always back at Ruby’s house, and back at Ruby’s table. It’s always Sunday again and we’re all just sitting around the table like we always did. Nathan’s on one side and I’m on the other and my grandma’s on the left. And just like always she’s fixed chicken and gravy and we’re all so hungry and passing the plates—the biscuits, the mayonnaise salad, the cucumbers in vinegar—and I think to myself, even now, that this will be what the final moments of oxygen escaping from my brain will be like. It’ll be like a Sunday so long ago with all of the dead stuffing themselves full of food cooked with lard, and gravy that will once again clog their arteries and kill their hearts. It will be the feast of death and it will taste so delicious.
Source: oxfordamerican.org

Medicare Part B Premium 2011 and 2012: Are Costs On The Rise?

Posted by:  :  Category: Medicare

Healthcare in America: Who's Paying Who? And Who's Getting What? (g1a2d0014c1) by watchingfrogsboilYour Medicare Part B Premium is taken out of your social security check, usually on a monthly basis. If you can not afford to carry Medicare Part B agencies are available to assist you. They are: Medicaid, Supplemental Security Income, Qualified Medicare Beneficiary (QMB) Program, Specified Low-Income Medicare Beneficiary (SLMB) Program or theQualifying Individual (QI) Program. You can still be accepted even if your income is above the qualifying income limits.
Source: seniorcorps.org

Video: The Early Show – Medicare premiums up less than expected

Medicare Health Insurance Supplemental Insurance 2011 Quotes & Tactics

Insurance coverage is necessary. There is not way around it. If you carry out not provide your lifestyle with enough coverage you will possible find that you are facing huge doctors bills. Specialized medical bills are certainly the fastest growing financial difficulties dealing by people thrity nine and over. The cost of medical care is certainly expected to go on to increase, demanding many seniors toward long term lifestyle facilities before they require to go. Now, some may all right believe that times obtaining further insurance, these are positioning on their are the owner of and their futures more to generally hands of folks rather then having command. Nonetheless, this can be just not scenario. Northern Arkansas here is advised to assist so guard your forthcoming. Who understands simply could happen? You possibly possibly can undergo from great enormous coronary midst assault and dub for a number of more than your good medicare will pay out. By obtaining supplemental insurance, happen to be able to scale back the stress typically the payments will destination on both you and your friends and family. Always understand that Medicare supplement policies are put up for sale by private corporations. The policy itself is identical no matter who all sells it however, the key cost to guests might change. When you actually buy Medigap Plan Delaware at one insurance company is the matching coverage you will receive through another insurance organisation. The difference being my premium you pay them to offer the insurance. Is actually a one of pushed it is so important to do explore before settling on a Medigap plan and provider. Expertise. There are many, many professionals and brokers which usually sell insurance. Most of options a jack almost all trades, masters within none. Medicare and Medicare option is quite unique. Work with someone specializes in Medicare health insurance Supplemental and Treatment Advantage plans on top of that knows this career path inside and out of. Feeling a best boss that offers Medicare insurance Supplemental Plan Ver can be modest a challenging work, but if you’re in touch with a functional national insurance company that contain every day insurance company and presents all Medicare plans, you will can easily save a considerable time. Your company or broker always be very knowledgeable on the part of you regarding Medicare health insurance Supplemental Insurance get feel cool with his or her suggestion and consider he is getting honest deal. It is very necessary to discover the perfect plan of a insurance company that offers great hospitality. The one thing to be cautioned about is probably paying for any Medicare premiums while having credit cards. This is an incredible risky practice to start in. Paying off the premiums with a charge card raises the financial impact a person pay by the addition of interest and fees. It is better to make premiums withdrawn with your account to be able to pay the cost of the Medicare supplemental plan at the time which is due and thus withdrawn from one’s own checking account. Because of many it can be due so that you concerns they make had their packed lifestyle, but to receive others it is considered to be just a a lot more sign of aging process. No matter all that the situation, without the need of medical ( dental ) insurance coverage some of the discomfort of oral procedures can wreck not only your good teeth, but furthermore , your wallet properly as. It often is for this rationale behind why that the Blue Cross Blue Defense Dental of Oregon system tends to make so tremendously sense. Generally know that well-liked way to insurance company will offer all 12 Medicare supplemental insurance plans. Any company that carries these policies is was required to have Plan A. Beyond that, the plans they’ve are up to his or her company, based at their own success and the sales of an individual policy or which ones they feel confident offering. Hence, if you’ve muscle development Plan D, you’ve search not exclusively for private companies give Medicare supplements, just companies that offer this specific scheme so that you obtain the right health insurance for your requests. Upcoding of septicemia is apparently so rampant the according to a 1999 inspector general’s report in one sample of clinic billings investigators studied, 20 percent pertaining to septicemia cases are upcoded.
Source: typepad.com

Some Seniors Are In For Sticker Shock On Drug Premiums

Others say it makes perfect sense to require seniors with higher incomes to pay more for Medicare. “Given where we are fiscally in this country, I really don’t have a big problem with making that argument that we ought to be asking seniors in that income category to pay a larger share of the value of the benefit they are receiving,” said James Capretta, a fellow at the Ethics and Public Policy Center, a conservative think tank. Capretta also said he doubted that seniors could get a better deal from a private insurer than from Medicare.
Source: kaiserhealthnews.org

Cut Medicare Advantage plans and save money

To the group supporting keeping Medicare Advantage plans: Your group wants to continue a program spending taxpayer monies faster than regular Medicare. Each person on an Advantage plan costs the tax payer 14 to 15 percent more than one on Medicare as it was originally designed.
Source: dallasnews.com

Medicare Premiums for 2011

The premium for Medicare Part B is different for different beneficiaries. Medicare will cost 96.40 per month for most people who were beneficiaries in 2009. Those who became Medicare beneficiaries in 2010 are likely to pay $110.50. Those who start Medicare in 2011 can pay as low as $115.40 and as high as $369.10 each month. Those with higher incomes can pay more than those with lower incomes. (These figures assume that no penalty is in effect.)
Source: medicare-supplement-quotes.com

Marshall Elder and Estate Planning Blog: Medicare Premiums for 2011 announced

For all others, the standard Medicare Part B monthly premium will be $115.40 in 2011, which is a 4.4% increase over the 2010 premium.  The Medicare Part B premium is increasing in 2011 due to possible increases in Part B costs.  If your income is above $85,000 (single) or $170,000 (married couple), then your Medicare Part B premium may be higher than $115.40 per month.  For additional details, see our FAQ titled: “2011 Part B Premium Amounts for Persons with Higher Income Levels”.
Source: blogspot.com

Medicare Plan Finder for Health, Prescription Drug and Medigap plans

Posted by:  :  Category: Medicare

The page could not be loaded. The Medicare.gov Home page currently does not fully support browsers with "JavaScript" disabled. Please note that if you choose to continue without enabling "JavaScript" certain functionalities on this website may not be available.
Source: medicare.gov

Video: medicare.gov

Navigating the Health Care System: Resources to Help You Stay Healthy in the New Year

Social Security: The hunt is afoot for Medicare Part D

Posted by:  :  Category: Medicare

HERES YOUR TOP TEN by SS&SSYou can complete an easy-to-use online application for Extra Help at www.socialsecurity.gov. Click on Medicare on the top right side of the page. Then click on “Get Extra Help with Medicare Prescription Drug Plan Costs.” To apply by phone or have an application mailed to you, call Social Security at 1-800-772-1213 (TTY 1-800-325-0778) and ask for the Application for Extra Help with Medicare Prescription Drug Plan Costs (SSA-1020). Or go to your nearest Social Security office.
Source: nevadaappeal.com

Video: Medicare Nevada- 1.800.643.7544

CPA Previews Tax Year 2013

But a new 3.8 percent Medicare tax, passed three years ago as part of the Affordable Care Act, got far less ink. The new Medicare tax, passed three years ago as part of the Affordable Care Act, means passive rental income is now considered investment income, along with capital gains, interest income and dividend income. All of these items of “investment income” are subject to the new 3.8 percent Medicare tax if your investment income is above $200,000 or married tax payers with investment income in excess of $250,000. Few have focused on the fact that the new law includes rental income in its definition of investment income. This means that the owner of a building will owe the 3.8 percent Medicare tax on the rental income. This tax is in addition to the regular tax, potentially resulting in a total tax on the rental income of 43.4 percent.
Source: nevadabusiness.com

Nevada governor first Republican to support Medicaid expansion under Obamacare

FILE – In this Jan. 18, 2012, file photo, Nevada Gov. Brian Sandoval speaks in his office in Carson City, Nev. Don’t mistake Sandoval’s invitations to the Republican presidential contenders as anything more than a hospitable gesture. The governor is staying out of the nomination fight despite his rising stature in the GOP, or perhaps because of it. Sandoval has invited the candidates to his office this week as they campaign ahead of Saturday’s caucuses. If they make the trip to Carson City, they can count on a smile and a firm handshake but no public stamp of approval. (AP Photo/Cathleen Allison, File)
Source: dailycaller.com

Medicare Advantage: Alternatives to the Sierra Nevada Spectrum in Las Vegas, NV

Because your plan is leaving Clark County, NV, you have the right to buy a Medicare Supplement regardless of existing health issues.  You cannot be denied for medical reasons.  The monthly premiums for supplements are higher, but you will have the ultimate freedom because you can go to any doctor or hospital in the country that accepts Medicare.  You will not have to pay co-pays if you select a Plan F, and you will not need referrals to see specialist. OPTION 3 – Select a Medicare Advantage HMO:
Source: suncityfinancial.com

Nevada Daily Mail: Column: : It is now Medicare open enrollment

The prescription drug program may be included in a Medicare Advantage Plan or it can be a stand alone Part D. There is help for many people to assist with the cost of prescriptions. There are many that qualify for help and do not realize it. Those on Low Income Subsidy with Social Security need to apply for renewal each year. It will depend on the level of Low Income Subsidy for the amount of assistance received. Those on full LIS will have their Medicare Part B premiums paid, as well as their Part D Plan premiums and have a low co-pay for prescriptions. Many people can also get help from the Missouri Prescription Plan. Many can get help with prescriptions even if they do not qualifying for the low income subsidy. You must have a Plan D to receive help with the Missouri Drug Plan.
Source: nevadadailymail.com

Senior Care Plus Offers Daily Meetings During medicare Enrollment Period

This entry was posted in Press-Media Releases and tagged advantage plan, annual enrollment, answ, benefit, carson city, churchill, convenience, eligible beneficiaries, enrollment period, government programs, health, health care, health care reform, home appointments, hometown health, informational group, informational meetings, insurance carrier, insurance plan, lyon, medical prescription, medicare, medicare enrollment, medicare managed care, medicare part b, prescription drug plans, private health insurance, reno, reno nev, right insurance, senior, sparks, supplemental benefits, wh. Bookmark the permalink.
Source: nvseniorguide.com

Medicare Supplement GI Thread

Rather than search all through the forums and internet collecting this data, I figure I would start a thread about state GI periods. Please feel free to reply if your state has a GI period based on the client’s birthday or anniversary date. I will update this top thread as answers or changes come in. Alabama Alaska Arizona Arkansas California – 30 Days after birthday Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas – NONE Kentucky – NONE Louisiana Maine – GI at any time provided you move to plan of like or lessor value (no more than 90 break in coverage) Maryland Massachusetts Michigan – NONE Minnesota Mississippi Missouri – Annually on the Anniversary date of the supplement Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York – GI All year North Carolina North Dakota Ohio – NONE Oklahoma Oregon – 30 days after birthday Pennsylvania – NONE Rhode Island South Carolina South Dakota Tennessee – NONE Texas – NONE Utah – NONE Vermont Virginia – NONE Washington – Washington, is odd, You can change medicare supplements at any time as long as you currently have coverage. You can also switch from MA to supp. West Virginia Wisconsin Wyoming
Source: insurance-forums.net

More than 1,600 Las Vegas Cancer Patients Helped by Patient Navigator Program in 2012

Through charitable grant making, the – Anthem Blue Cross & Blue Shield Foundation LLC, an independent licensee of the – Blue Cross & Blue Shield Association, promotes Anthem’s inherent commitment to enhance the – health & well-being of individuals & families in communities in that Anthem Blue Cross & Blue Shield serves. The Foundation focuses its funding on strategic initiatives in that address & provide innovative solutions to health care challenges, as well as promoting the – Healthy Generations Program, a multi-generational initiative in that targets specific disease states & medical conditions. These include: prenatal care in the – 1st trimester, low birth weight babies, cardiac morbidity rates, long term activities in that decrease obesity & increase physical activity, diabetes prevalence in adult populations, adult pneumococcal & influenza vaccinations & smoking cessation. The Foundation moreover coordinates the – company’s annual yearly associate giving crusade & its parent foundation provides a 50 % match of associates’ crusade pledges. ®ANTHEM is a registered trademark of Anthem Insurance Companies, Incorporated The Blue Cross & Blue Shield names & symbols are registered marks of the – Blue Cross & Blue Shield Association.
Source: lasvegasnvblog.com

Accredited DME/ Durable Medical Supplies Equipment Medicare Provider #

Market Outlook/Competition: Durable medical equipment (DME) is a necessary component to home healthcare, aiding patients in their daily lives and helping them to stay safe and healthy. Medical supplies are always in demand, and as the nation’s rapidly aging population experiences increasing health problems, demand will continue to grow. Market Segmentation The need for adult medical care is growing rapidly as the US population continues to age, and these older Americans on Medicare and Medicaid usually represent DME’s primary market. According to US Census Bureau, the population of Americans ages 65 and older is expected to double within 25 years. Nearly one in five Americans will be older than 65 by 2030, representing about 72 million people. In fact, the fastest US age group is the older-than–85 years population
Source: bizquest.com

The Novel Method Nevada Uses to Reduce Mental Illness in its State: Patient Dumping

Dr. John Grohol is the CEO and founder of Psych Central. He is an author, researcher and expert in mental health online, and has been writing about online behavior, mental health and psychology issues — as well as the intersection of technology and human behavior — since 1992. Dr. Grohol sits on the editorial board of the journal Cyberpsychology, Behavior and Social Networking and is a founding board member and treasurer of the Society for Participatory Medicine. Like this author? Catch up on other posts by John M. Grohol, PsyD (or subscribe to their feed).
Source: psychcentral.com