AARP Urges Congress to Address Medicare Physician Payments

Posted by:  :  Category: Medicare

CorettaScottKing_WinonaBartonBallentine3 by Mark Tribe“As you know, physicians and other health care providers are scheduled to receive a 27 percent cut on January 1, 2013, as a result of the flawed sustainable growth rate (SGR) formula.  This is in addition to the 2 percent reduction included in the planned sequestration.  Failure to adopt legislation to address the “doc fix” would create considerable instability in the Medicare program.  Such a significant reduction in reimbursement could cause providers to stop seeing Medicare beneficiaries or prevent them from accepting new ones.  We are disappointed that Congress has thus far been unable to develop a long-term solution to this perpetual problem.  However, even in the absence of a longer-term solution, the SGR cuts must not be allowed to occur.  Under current law, the Centers for Medicare and Medicaid Services may begin issuing the reduced payments on January 1.  A reduction for even a short time in reimbursement rates could disrupt access to care, as providers may delay seeing Medicare patients until updated rates go into effect. 
Source: aarp.org

Video: Weekly Address: Preserving and Strengthening Medicare

FIne: Medicare and a dignified death

Although Medicare-covered hospice care has grown considerably over time, two major factors retard its effectiveness. First, patients who enter hospice care must forgo potentially life-prolonging therapies. That forces an untenable choice, and results in very late admissions to hospice. Second, the practice of medicine has evolved since the benefit’s eligibility criteria were established, requiring a physician to certify that a Medicare patient has a prognosis of six months or less.
Source: sltrib.com

Upton to Highlight Medicare Physician Payment Reform Effort WEDNESDAY During Address to American Medical Association

WASHINGTON, DC – Energy and Commerce Committee Chairman Fred Upton (R-MI) will address the American Medical Association at the 2013 National Advocacy Conference on Wednesday, February 13, 2013, at 8:00 a.m. at the Grand Hyatt Washington. Upton will discuss the health care law’s impact on physicians and patients and outline the committee’s upcoming plans to address the outdated Medicare physician payment system. Last week, Upton and Ways and Means Chairman Dave Camp (R-MI) released a framework of their collaborative efforts to repeal the Sustainable Growth Rate formula and advance a permanent solution for the long troubled payment system. On Thursday, the Energy and Commerce Health Subcommittee will hold a hearing on SGR reform.  
Source: house.gov

Obama attacks sequestration, Medicare payments in State of the Union address

The President said he is willing to trim Medicare outlays to align with those proposed by the bipartisan Simpson-Bowles fiscal commission in 2010. He said this could be accomplished by shifting provider reimbursement to a pay-for-performance model, reducing subsidies to pharmaceutical companies and raising fiscal obligations for the nation’s wealthiest seniors.
Source: mcknights.com

Roadblocks Continue Despite Efforts To Address Causes of Hospital Readmissions

Bloomberg: Boomerang Patients To Penalize Hospitals Under U.S. Law Tenet Healthcare Corp., the third-largest U.S. hospital chain, keeps an eye on Medicare patients after they’re released. This isn’t just about professional integrity. Tenet has a financial stake in their well-being. Fines are being levied against hospitals with high rates of patient readmissions under a provision of the Affordable Care Act targeting $8 billion in Medicare cost savings within six years (Armour, 2/11).
Source: kaiserhealthnews.org

Medicare Regularly Refills Pain Pills Without New Prescriptions: Government Report

To cut down on improperly refilled Medicare prescriptions, the report recommends that federal health officials automatically flag requests for reimbursement for controlled drug refills, and refuse to pay them. The Centers for Medicare and Medicaid Services should work more closely with providers, and follow up with those who have a large number of refills, the report recommends. The agency responded that working with individual providers and pharmacies is not an efficient use of resources, the AP reported.
Source: drugfree.org

President Obama Commits To Medicare and Medicaid In His Inaugural Address

The overarching theme of President Obama’s speech was that the government has to change to meet the changing needs of the people. “But we have always understood that when times change, so must we; that fidelity to our founding principles requires new responses to new challenges,” the president said. He provided an example of how American soldiers could not have met and defeated the forces of fascism or communism with muskets and militias. The president said, “We understand that outworn programs are inadequate to the needs of our time.” He continued by saying, “So we must harness new ideas and technology to remake our government, revamp our tax code, reform our schools and empower citizens with the skills they need to work harder, learn more, reach higher.”
Source: wolterskluwerlb.com

Obama, Boehner Could Compromise To Address Looming Medicare Cuts

Shawn Gremminger — assistant vice president for legislative affairs at the National Association of Public Hospitals and Health Systems — said the Medicaid provider tax could be on the negotiating table as a cost-cutting measure. He noted that recent proposals have called for lowering the tax from 6% to 5.5%, which the Congressional Budget Office estimates would result in about $10 billion in savings over 10 years (Zigmond,
Source: californiahealthline.org

LBJ and the Initial Cost of Medicare

I’ll take care of that, I’ll do that. . . . When they asked me, do you want to put in anothe 400 or 500 million [to cover Mills’s Medicare expansion], . . . what did I say about it? . . . I said we had an old judge in Texas one time . . . we called him Al Caldy . . . old Al Caldy Roberts, and he said, when they talked to him one time that he might’ve abused the Constitution and he said, “What’s the Constitution between friends?” And I say, tell Wilbur that 400 million’s not going to separate us friends when it’s for health.
Source: peterubel.com

Obama Says Medicare, Medicaid ‘Free Us to Take Risks’ in Inaugural Address

President Barack Obama gave airtime to the need to reform healthcare entitlements in his second inaugural address Monday, but he defended their existence and pushed back on calls to make drastic cuts to the Medicare and Medicaid programs. “We must make the hard choices to reduce the cost of healthcare 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,” President Obama said. “The commitments we make to each other through Medicare and Medicaid and Social Security, these things do not sap our initiative, they strengthen us,” he continued. “They do not make us a nation of takers; they free us to take the risks that make this country great.”
Source: beckershospitalreview.com

Congress must address Medicare’s sustainable growth

abortion Anderson Township Bengals budget Catholic church Cincinnati Cincinnati Bengals Cincinnati City Council city of Cincinnati Clifton congress Covington Delhi Township Democrats economy education Enquirer Gov. John Kasich government Hamilton County healthcare healthcare reform Hyde Park jobs John Boehner Loveland medicare Mitt Romney Montgomery Obama Ohio SB5 police Politics President Barack Obama Republicans schools Sharonville Social Security streetcar streetcars taxes tea party unions University of Cincinnati West Chester
Source: cincinnati.com

Adderral authorization medicare

Posted by:  :  Category: Medicare

Steps. ADHD ; Adderall XR, amphetamine salt combo, Concerta, Desoxyn, Step 1: Adderall XR 10 mg capsule,extended release, MEDICATIONS. Dexedrine Spansules Free online med surg questions  El d a de hoy les recomendare un lugar para poder descargar temas para Blackberry 9300, empezaremos mostrando uno de los temas Providing detailed information on Brand Name Drug Patent Expiration since 2006 and on Medicare Part D plans for every state, including selected Medicare Part D plan Prior Authorization Medicare Part D Brand Name Drug Patent Expiration ©2012 RegenceRx, All Rights Reserved. (H1304 H3817 H4605 H5009 H5010 S5609 S5916) MedicarePart D Notice of Formulary Changes . A Health plan with a Medicare
Source: rediff.com

Video: How it Works – Tufts Medicare Preferred

Harvard Vanguard Medical Associates Welcomes Dr. Barr to Medford Location

About Harvard Vanguard Medical Associates http://www.harvardvanguard.org Harvard Vanguard Medical Associates is a nonprofit multi-specialty medical group providing care to 495,000 adult and pediatric patients at more than 21 offices across eastern Massachusetts. As an affiliate of Harvard Medical School, Harvard Vanguard physicians are on the staff of Boston’s academic medical centers and community hospitals. Harvard Vanguard’s 4,100 employees, including more than 600 physicians and 1,000 healthcare professionals, are committed to making it easier for patients to be and stay healthy. Harvard Vanguard practices are among the highest rated in the state for clinical quality and accept insurance from most major health plans, including Aetna, Blue Cross Blue Shield of MA, Fallon Community Health Plan, Harvard Pilgrim Health Care, Neighborhood Health Plan, Tufts Health Plan, and Tufts Health Plan Medicare Preferred. Harvard Vanguard is an affiliate of Atrius Health (http://www.atriushealth.org), an alliance of six non-profit community-based medical groups and a home health care, private duty nursing and hospice agency in Massachusetts.
Source: patch.com

Provider Questions For Medicare

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Source: coolsocial.net

Massachusetts Health Stats: The Boston Herald “Medicare Victim” Story on Enbrel: Dozens of Teachable Moments

This blog overcomes the attempts from those on both the left and right of the political spectrum to use statistics to impose needless changes on one of the best healthcare systems in the world. Massachusetts Health Stats is an as-needed look at statistics about the Massachusetts healthcare delivery and insurance market and industry, including — occasionally — aspects of Medicare as they relate to Massachusetts seniors and the Medicare-eligible disabled. For Medicare-specific information with nationwide implications and some how-to hints for seniors see http://byrondennis.typepad.com/theabcsofmedicare/
Source: typepad.com

Tufts Medicare Advantage?

For a company Ive never heard of they sure do have a lot of Med Advantages in your state. Tufts Medicare Preferred HMO Basic $16.00 Tufts Medicare Preferred HMO Basic $0 Tufts Medicare Preferred HMO Basic Rx $38.00 Tufts Medicare Preferred HMO Basic Rx $22.00 Tufts Medicare Preferred HMO Basic Rx Plus $48.00 Tufts Medicare Preferred HMO Basic Rx Plus $32.00 Tufts Medicare Preferred HMO Prime $96.00 Tufts Medicare Preferred HMO Prime $72.00 Tufts Medicare Preferred HMO Prime Rx $118.00 Tufts Medicare Preferred HMO Prime Rx $94.00 Tufts Medicare Preferred HMO Prime Rx Plus $128.00 Tufts Medicare Preferred HMO Prime Rx Plus $104.00 Tufts Medicare Preferred HMO Value $58.00 Tufts Medicare Preferred HMO Value $42.00 Tufts Medicare Preferred HMO Value Rx $80.00 Tufts Medicare Preferred HMO Value Rx $64.00 Tufts Medicare Preferred HMO Value Rx Plus $90.00 Tufts Medicare Preferred HMO Value Rx Plus $74.00 Tufts Medicare Preferred PFFS Basic $50.00 Tufts Medicare Preferred PFFS Basic $45.00 Tufts Medicare Preferred PFFS Basic Rx $72.00 Tufts Medicare Preferred PFFS Basic Rx $67.00 Tufts Medicare Preferred PFFS Basic RxPlus $82.00 Tufts Medicare Preferred PFFS Basic RxPlus $77.00 Tufts Medicare Preferred PFFS Prime $111.00 Tufts Medicare Preferred PFFS Prime $92.00 Tufts Medicare Preferred PFFS Prime Rx $133.00 Tufts Medicare Preferred PFFS Prime Rx $114.00 Tufts Medicare Preferred PFFS Prime RxPlus $143.00 Tufts Medicare Preferred PFFS Prime RxPlus $124.00 Tufts Medicare Preferred PPO $87.00 Tufts Medicare Preferred PPO $82.00 Tufts Medicare Preferred PPO Rx $109.00 Tufts Medicare Preferred PPO Rx $104.00
Source: insurance-forums.net

Winter Flu Vaccine: Edict Good This Season with a Flu Endeavor

A flu comment is the way to protect yourself from the flu. If you screw a capital malady ( as diabetes, , lung, or kidney problems) your may person difficulty ill from the flu. Smooth among flourishing senior people, the flu can outcome in illnesses such as attacks, strokes, or pneumonia. The flu is effectual and safe. Gratify communicate with your medico if you are unsafe near feat a flu shot. For the most updated information on the flu immunogen gratify stay: cdc.gov/flu.
Source: blogspot.com

HHS to Scrap Outdated Medicare Regulations

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSIn a new move towards assisting the healthcare industry, the White House recently announced its intention to work with the Department of Health and Human Services (HHS) to focus on and eliminate certain regulations for Medicare and Medicaid that are now considered to be obsolete.  This is expected to significantly impact Medicare-Medicaid Reimbursement over time, particularly for the elderly patients that will be affected the most by these changes.  In a press release from the Department, Secretary Kathleen Sebelius noted that, “We are committed to cutting the red tape for health care facilities, including rural providers.  By eliminating outdated or overly burdensome requirements, hospitals and healthcare professionals can focus on treating patients.”
Source: healthworkscollective.com

Video: Stage 2 Requirements for the Medicare and Medicaid EHR Incentive Programs

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

Low Volume Adjustment & Medicare Dependent Hospital Extension Rules

A number of MDHs that requested SCH status or dropped their rural classification did so with the proviso that if MDH status was reinstated, they wanted to remain MDHs. This question was raised in the FY 2013 final IPPS rules. A comment was made to CMS that hospitals should be allowed to retroactively rescind their request for SCH status and have MDH status seamlessly reinstated. CMS responded that if the MDH program was extended, it would “develop policy to implement the specific provisions of such legislation.” Many read that to mean CMS would allow MDHs to retroactively rescind SCH status. However, CMS does not state this in the final IPPS rules; it leaves the matter open to “the specific provisions” of the legislation that is passed. The taxpayer relief act simply changed dates, so in CMS’ interpretation there are no specific provisions in the law allowing hospitals now carrying the SCH or urban designations to be seamlessly returned to MDH status.
Source: healthcarereforminsights.com

CMS proposes removal of burdensome Medicare regulations

The proposed rule would relax several physician supervision requirements, especially for small critical access hospitals, rural health clinics and federally qualified health centers. For example, those facilities would no longer need a physician onsite once every two weeks. The administration recognizes that geographical location makes this difficult and that advances in telemedicine allow physicians to provide care without being physically present.
Source: bartonassociates.com

U.S. proposes scrapping some obsolete Medicare regulations

The Department of Health and Human Services described the targeted regulations as unnecessary or excessively burdensome and said their proposed elimination would allow greater efficiency without jeopardizing safety for the Medicare program’s elderly and disabled beneficiaries.
Source: medcitynews.com

CMS Proposes Medicare Reforms to Save Hospitals $676M Per Year

HHS and CMS have issued a proposed rule (pdf) that would modify or eliminate Medicare regulations deemed to be unnecessary or obsolete — reforms the government expects will save hospitals and healthcare providers up to $676 million per year and $3.4 billion over five years. “We are committed to cutting the red tape for healthcare facilities, including rural providers,” HHS Secretary Kathleen Sebelius said in a news release. “By eliminating outdated or overly burdensome requirements, hospitals and healthcare professionals can focus on treating patients.” The following provisions were included within the proposed rule: •    Qualified dietitians would be able to order patient diets and meals at hospitals without requiring the supervision of a physician or other practitioner, which will “free up time for physicians and other practitioners to care for patients,” according to HHS. •    Critical access hospitals would no longer need to develop patient care policies with the guidance of at least one member who is not a member of the CAH staff. The government said the old policy resulted in too much turnover, unnecessary pay for outside personnel and lost time. •    CAHs would not have to require a physician to be onsite once every two weeks. •    Ambulatory surgery centers currently must meet full hospital requirements for radiology services even though they are only allowed to provide limited radiology services. The rule proposes that ASCs only meet radiological requirements for services they actually perform. •    Hospitals would no longer have to require a pharmacist or physician be present during off-hour deliveries of nuclear medicine tests. Overall, CMS estimates one-time savings of $22 million and annual recurring savings of $654 million. “Several of the proposed changes would create measurable monetary savings for providers and suppliers, while others would create less tangible savings of time and administrative burden,” according to the rule. Public comments are due April 8.
Source: beckershospitalreview.com

New Medicare Regulations Require Face

The Center for Medicare & Medicaid Services (“CMS”) recently published a final rule implementing several changes to policies relating to payment of physicians.  Among the changes is a new requirement that certain items of durable medical equipment (“DME”) can only be ordered after the physician, physician assistant, nurse practitioner or clinical nurse specialist has had a face-to-face encounter with the patient to evaluate the patient for the medical condition for which the DME product is needed.
Source: barrettlawofficetn.com

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

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

Medicare Signature Requirements

The Centers for Medicare & Medicaid Services (CMS) 1995 and 1997 Documentation Guidelines (DG) for Evaluation and Management (E/M) services require that the provider’s signature be legible.  If your signature is not legible, please provide a signature log or authentication statement verifying the information.  We want to remind providers to keep their signature cards or logs up-to-date.  A provider’s signature may change over time.  We recently saw a denial from the Comprehensive Error Rate Testing (CERT) program when the signature on the card no longer matched the signature on the documentation.
Source: ipamd.com

Oklahoma Medicare Eligibility Requirements

You’re not alone if the term “Medicare eligibility” leaves you scratching your head, wondering if you qualify for the full package of benefits. It’s true, there are a few restrictions, but for the most part, as long as you’re 65 or older and a permanent citizen, you should be qualified for health care benefits through Medicare. In some cases, it’s possible to be eligible for Medicare even if you’re younger than 65. If you have End-Stage Renal disease or have been on Social Security disability benefits for over 24 months, you’re eligible at any age.
Source: oklahomamedicarehealth.com

Comments on proposed IRS regulations on additional Medicare tax due March 5

With regard to specific matters discussed in the proposed regulations, taxpayers may rely on the proposed regulations for tax periods beginning before the date that the final regulations are published in the Federal Register. If any requirements change in the final regulations, taxpayers will only be responsible for complying with the new requirements from the date of their publication. ■
Source: cbia.com

Ryan’s Budget Proposal Could Seek Changes to Medicare Eligibility Age

Posted by:  :  Category: Medicare

House Budget Committee Chair Paul Ryan (R-Wis.) has been privately circulating the idea that his budget proposal might include changes to future Medicare retirement benefits for people who currently are as old as 59, despite GOP leaders’ pledge that the program would not be altered for people ages 55 and older,
Source: californiahealthline.org

Video: Debunking the “Raise the Medicare Eligibility Age” Argument

Obama Opposes Raising Medicare’s Eligibility Age To Reduce Spending

California Healthline: Sequestration Would Hurt Rural Health Providers, Study Shows Rural health care providers heard bleak predictions about the potential effects of sequestration at the National Rural Health Association’s 24th annual Rural Health Policy Institute last week. If Medicare reimbursement is reduced by 2 percent as specified in the sequestration process due to start in three weeks, 63 rural hospitals will no longer be profitable and 482 rural health care jobs will be lost nationally, according to estimates by iVantage Health Analytics. California’s rural hospitals won’t be as hard-hit as those in the Midwest and South, according to the research, but all health care providers who treat Medicare beneficiaries will feel the pinch at some level, said Gregory Wolf of iVantage (Lauer, 2/11).
Source: kaiserhealthnews.org

Medicare Age Eligibility and the Fiscal Cliff Negotiations

To reduce federal spending, Congress could choose to raise the Medicare eligibility age from 65 to 67. On Nov. 28, in a segment titled "How will ‘fiscal cliff’ affect Medicare?," NBC Nightly News examined the costs of such a change to America’s current and future seniors, and others. David Certner, AARP legislative policy director, is among the experts interviewed and cautioning against this path.
Source: aarp.org

What Raising the Medicare Eligibility Age Means

Raising the eligibility age saves very little money, on the order of a few billion dollars a year. That’s because the 65 and 66-year-olds will have to get insurance somewhere, and many of them are going to get it with the help of the federal government, either through Medicaid or through the insurance exchanges, where they’ll be eligible for subsidies. However, since many Republican-run states are refusing to expand Medicaid in accordance with the Affordable Care Act, lots of seniors who live in those states will just end up uninsured, which will end up leading to plenty of financial misery and more than a few premature deaths. Put this all together, and the Center on Budget and Policy Priorities estimates that while the federal government would save $5.7 billion a year from raising the eligibility age, costs would increase by more than twice in other parts of the system—for the seniors themselves, employers, other enrollees in exchanges who would pay higher premiums, and state governments.
Source: prospect.org

AARP: Don’t raise the eligibility age for Medicare

AARP is a nonprofit, nonpartisan organization, with a membership of more than 37 million, that helps people 50+ have independence, choice and control in ways that are beneficial to them and society as a whole. AARP does not endorse candidates for public office or make contributions to either political campaigns or candidates. We produce AARP The Magazine, the definitive voice for Americans 50+ and the world’s largest-circulation magazine; AARP Bulletin, the go-to news source for the 50+ audience; AARP VIVA, a bilingual lifestyle multimedia platform addressing the interests and needs of Hispanic Americans; and national television and radio programming including My Generation and Inside E Street. The AARP Foundation is an affiliated charity that provides security, protection, and empowerment to older persons in need with support from thousands of volunteers, donors, and sponsors. AARP has staffed offices in all 50 states, the District of Columbia, Puerto Rico, and the U.S. Virgin Islands. Learn more at www.aarp.org.
Source: aarp.org

Daily Kos: Are Democrats abandoning raising the Medicare eligibility age?

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Source: dailykos.com

Raising Medicare's Eligibility Age: A Complex Proposition

The Alliance for Health Reform and the Kaiser Family Foundation present a briefing to discuss the complexities of raising the age for Medicare eligibility. Speakers address questions on how this proposed change may affect beneficiaries, employers, and the workforce, as well as the cost and coverage implications for those approaching the current age of eligibility or enrolled in Medicare today.
Source: kff.org

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

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

gerber medicare supplement

Posted by:  :  Category: Medicare

When Medicare was initially founded, it’d not been transferred to be forever cover all costs. Consequently, Medicare Supplemental Insurance was developed to create up the distinction. There’s quite a bit to know when shopping for Medicare product insurance.
Source: forumscloud.com

Video: Gerber Life Medicare Supplement

Benutzer:MacomberRigdon676 – Lotro

For seniors who are terminally sick, it is crucial to do Medicare Supplement Comparisons to come across the finest prepare that gives for hospice and property well being treatment. This publication has reports about the national and point out legislation and the programs that have an effect on the in excess of fifty age bracket. While these Medicare Nutritional supplement ideas are standardized wherever they are marketed, they are definitely not priced the very same from 1 business to one more. In the Medicare Component D entire world, being new has to do with when you turn out to be suitable for Component D.
Source: lotro-pedia.de

Gerber Medicare Supplement Plans

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Source: johnconner.com

Gerber Medicare Supplement Insurance

Way too commonly, also in the very best designed exercise programs the understanding that occurs in the classroom is not transmitted back into the company in the form of transformed behaviors or boosted outcomes. It seems like there is a void between the exercise carried out in the class, to the actual day to day, on the court execution of the new skills found out in the exercise. Take into consideration that exercise is just one of the elements should have leaders use the administration abilities found out in training. Along with training, organizations have to consider ways to reinforce the brand-new habits. Organizations should have the following three natural elements in position prior to implementing worker management training programs:
Source: scoop.it

Medicare Supplemental Insurance: Starting Out as a Senior Agent with Gerber Life Medicare Supplement

Medicare supplemental insurance, or Medigap, provides coverage for the additional health care costs that traditional Medicare does not cover. Seniors can choose to purchase a supplemental insurance policy from a private insurer, with the coverage proportional to the paid premiums. Gerber Life, “the baby food people” is one of the most recognizable brands and they have been providing stability to their consumers since their beginning in 1967. Their partnership is for the shared goal of helping senior citizens live a happy and healthy life. They are dedicated to providing excellent customer service, answering client question thoroughly, and providing accurate product information. For your clients more comfortable going with a “name brand” for their supplemental insurance policy Gerber Life is a national brand they will know and trust. There is a fax application program available to make selling Medicare supplements by phone ease with their product. Once you’ve finished speaking with a client and gathering their information you can then mail them the application to complete, with instructions, and a self-addressed stamped envelope. When you receive it back from the applicant you will then fax it into the company for review and processing. Gerber Life has an excellent commission and offers a direct company contract and agent’s have the potential to earn the highest commission level available (pending production requirements are met). Plus, also available are an aggressive policy issue, 12 month advancing, and competitive premiums. Their company is easy to work with, available in most states, and an ideal product for a new senior agent portfolio. With an “A” Excellent rating from AM Best for their financial strength, they currently have $37 billion of life insurance in force. This provides stability to 3 million policies throughout the United States, Canada, and Puerto Rico.
Source: blogspot.com

Gerber Medicare Supplements

Gerber Life is an established company offering outstanding life insurance products since 1967. The company has long had the goal to address the needs of families of all sizes. The primary goal of Gerber Life is to provide protection and financial security to its customers throughout their lifetimes by offering affordable insurance and financial products. Gerber life Insurance Company is pleased to now offer Medicare Supplement insurance to its $33 billion life insurance bouquet. The Medicare Supplement Insurance is underwritten by Mutual of Omaha. In order to be eligible for the plan, you must currently be enrolled in both Medicare part A and B. Medicare supplement plans cover costs that Medicare does not cover and have helped millions adjust to the financial burden of rising health care costs. Gerber’s Medicare Supplement Insurance fills in the coverage gaps of Medicare and is sometimes referred to as Gerber Medigap Insurance. In South Carolina, medicare supplement plans, on average, assist with 20% of the health care costs that Medicare plans do not cover. If covered by a Medicare Supplement Plan, you do not have to worry about finding a provider within a particular network. The plan offers its members the freedom of seeking medical attention from any doctor or any medical facility that accepts traditional Medicare Insurance. Prescription drugs can be a costly recurring expense for patients and often require adjustments to patients’ budget in order to cover the necessary prescriptions. Those covered by Gerber Medicare Supplement plan have the opportunity to take advantage of an additional plan designed to support the cost of medications. There are Medicare Advantage plans that allow members to combine their health care and prescription drug plans to be used in conjunction with the Medicare Supplement. If you relocate out of South Carolina, your Gerber Medicare Supplement health insurance will follow without a lapse in coverage. No matter where you go, you will have the freedom to choose any health care provider who accepts Medicare. You will find the rates of Gerber Medicare Supplements are competitive in many states. Your rate will depend upon several factors; your age at the time of enrollment and the state you live will all be taken into consideration. You can contact our office for a free quote and we will work to help you find the best plan for your needs. Having a well-rounded plan when it comes to medical coverage is important, especially in these tough economic times when the costs of health care are increasing. One of the biggest decisions you will make will be your health care coverage. For the support Medicare Supplement Insurance provides, it is a smart option for additional coverage. For more information on Medicare Supplement Insurance in South Carolina, please visit CarolinaQuoter.
Source: carolinaquoter.com

Aetna Medicare Supplements Rates in West Chester Pennsylvania

I signed up two people in West Chester Pa today for Aetna senior supplemental plans.  They both chose a medigap plan F and are very satisfied with the price and service.  They looked at Medigaplist.com for pricing for companies and found that Aetna, Mutual of Omaha, KSKJ life, Family life, and Gerber life were among the companies they could choose from.  They were able to find the best Medigap rates and prices on our site as opposed to looking around for 12 hours at all the different company websites.  If you want the cheapest Medicare supplement rates for someone over 65 years old, then you have found the right place.
Source: medigaplist.com

Advantages Of Gerber Medicare Supplements

In the United States, senior citizens are automatically eligible for the government’s national health care initiative. This program, also called Medicare, is responsible for helping its members pay for their costly medical expenses. Common in-patient treatments such as X-rays or blood transfusions as well as certain selected medication are paid for by this insurance policy. It operates on an 80/20 copayment scheme with the client shelling out for the lower of the two figures.
Source: newsreelnetwork.com

Texas Medicare Supplement Insurance Plans

Posted by:  :  Category: Medicare

Reuters---Texas governor Rick Perry suffers  alzheimer's relapse at campaign rally near Dallas recently. Millions of TV viewrs gasped in horror as confused governor tried repeatly to suck an aids dildo--he was finally subdued and rushed off stage. by idropkidMake 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: Hands Off Medicare!  Dick Morris TV: Lunch ALERT!

In search of the “Texas Solution” to Medicaid // thedailycougar.com

The state’s former chief budget estimator, Billy Hamilton, said if Texas were to spend $15 billion the state would garner $100 billion in federal money, and an expansion of Medicaid would halve the state with the highest uninsured rate, 24 percent. It is a win-win for both the state and its people. Obamacare is here to stay. Instead of fighting a losing battle, Perry needs to get on the bandwagon.
Source: thedailycougar.com

Agenda Texas: Medicaid Expansion in Texas

Democrats agree Medicaid isn’t perfect, but say the projected $100 billion being offered over 10 years is just too much money to pass up. Houston State Senator Rodney Ellis has filed a bill that would let voters decide whether or not the state expands Medicaid. During a rebuttal to Gov. Perry’s State of the State address, Austin State Senator Kirk Watson worried the arguments against expansion have little to do with whether or not it would help the state.
Source: kutnews.org

Texas Organizers Add Their Voice: Medicaid Matters

I am pleased to think that I will get to the bus a little early; maybe I would get an aisle seat — or even a front seat. As I pull into the parking lot, though, I see that I am among the last to arrive. As I clamber aboard the bus, I am handed a bag with a potato and egg taco and some cookies in it. Sister Phylis Peters, a Daughter of Charity, has saved me an aisle seat, for which I am grateful.
Source: equalvoiceforfamilies.org

Owner of Louisiana Health Care Company Convicted in Texas Medicare Fraud

Msiakii used Joy Supply’s Medicare provider number to submit claims to Medicare for DME, including orthotic devices, that was medically unnecessary and, in some cases, never provided. Many of the orthotic devices were components of “arthritis kits” and purported to be for the treatment of arthritis-related conditions; however, the devices were neither medically necessary nor appropriate for such conditions. The arthritis kit generally contained a number of orthotic devices including braces for both sides of the body and related accessories such as heat pads.
Source: redsticknow.com

Protesters demand Medicaid expansion

“The biggest problem with Texas Medicaid today is that the payments for doctors are so far behind what other medical programs and private insurers pay that doctors can’t or won’t take Medicaid patients,” she told a crowd on the Capitol steps. “Guess who’s in charge of setting those rates? The Texas Legislature.”
Source: baylorlariat.com

Texas and Pennsylvania Medicare Plan F

Both Texas and Pennsylvania Medigap plan F makes up a huge amount of the Medicare population.  It is known that Medicare Plan F is purchased by approximately 46% of the country.  What about Medigap plan G in Pennsylvania?  Well, people are catching on.  KSKJ life Medigap plan G is becoming very popular in Pa.  Mutual of Omaha Plan F and Blue Cross Medicare Advantage plans are big among the people but other companies are gaining steam.  AARP Medigap plans have done well because of the AARP Part D plan is so well known.  Texas Medicare Plan F is big because the state is so enormous.  Medigap plans in Texas will always compete with Pa Medicare numbers.  ANTEX is a fan favorite in Texas Medigap plans as well as Blue Cross.  In Pa, I think Aetna Plan F is the way to go.
Source: medigaplist.com

LBJ and the Initial Cost of Medicare

I’ll take care of that, I’ll do that. . . . When they asked me, do you want to put in anothe 400 or 500 million [to cover Mills’s Medicare expansion], . . . what did I say about it? . . . I said we had an old judge in Texas one time . . . we called him Al Caldy . . . old Al Caldy Roberts, and he said, when they talked to him one time that he might’ve abused the Constitution and he said, “What’s the Constitution between friends?” And I say, tell Wilbur that 400 million’s not going to separate us friends when it’s for health.
Source: peterubel.com

New Report Details the Incredible Stupidity of Texas’ Rejection of Medicaid Expansion

“Criticism that expanding Medicaid would be expanding ‘socialism’ is incorrect,” Hamilton writes in the report’s executive summary. “In a socialist system, the government not only funds but also operates hospitals, hires health care providers and controls every aspect of health care. Medicaid does not do these things; patients and their health care providers make health care decisions. The state accepts federal funds for many other similarly funded programs.”
Source: dallasobserver.com

Ambulance owner convicted in $1.7 million Medicare scheme

This case is being prosecuted by Trial Attorneys Christopher Cestaro and Laura M.K. Cordova of the Criminal Division’s Fraud Section with assistance from former Special Assistant U.S. Attorney James S. Seaman. The case was investigated by the FBI, HHS-OIG and the Texas Attorney General Medicaid Fraud Control Unit. The case was brought as part of the Medicare Fraud Strike Force, supervised by the U.S. Attorney’s Office for the Southern District of Texas and the Criminal Division’s Fraud Section.
Source: ems1.com

Texas Republicans rally around Paul Ryan budget plan; Democrats don’t like it

“It’s smart, it’s responsible, and it’s the right way to get our economy to a balanced budget within 10 years,” said freshman Rep. Roger Williams, R-Austin, a member of the Budget Committee. “The path to prosperity requires us to make tough decisions, but by applying the same principles that families and businesses use every day, we can balance the budget, cut wasteful spending, and fix our broken tax code, all without increasing taxes.”
Source: dallasnews.com

Texas Health exchanges, the next boom in health care, are on the way - ALIPAC

Health exchanges, the next boom in health care, are on the way Mitchell Schnurman mschnurman@dallasnews.com Published: 16 March 2013 04:56 PM The health care industry hasn

New Medicaid's Roach Motel

Posted by:  :  Category: Medicare

ADAPT Medicaid Rally by SEIU InternationalOne of their main claims, advanced by Ohio’s John Kasich and others, is that states can change their minds later. Expand Medicaid today and pocket the 100% funding Washington is dangling in front of them for a time, but include so-called “sunset” clauses that would rescind the new coverage if Medicaid proves too costly or if the feds renege on their free-money promises.
Source: realclearpolitics.com

Video: Understanding healthcare costs: Medicaid

Arizona Governor Introduces Bill to Expand Medicaid

Ms. Brewer had her way of packaging the news, though, saying that she is “proud to be a member of a pro-life party” and that being pro-life is exactly what expanding Medicaid – or restoring it, as she and her advisers have described it – is all about. (The state used to provide coverage for childless adults who made up to 100 percent of the federal poverty line, but discontinued it as a way to cut costs during the recession.)
Source: nytimes.com

Brad DeLong : The Arkansas Medicaid Budget

The strangest part of the “private option” is that the plan grew out of pressure from local Republican lawmakers, the very same folks who had the loudest concerns about costs of the original Medicaid expansion. That’s strange because the new “private option” is going to cost more (not necessarily for the state — see here and here — but almost certainly for the feds)…. There are a number of reasons that offering coverage via private insurance is costlier than offering it via Medicaid but the main one ain’t rocket science: private insurers reimburse at higher rates. Even conservatives that like the “private option” better agree that it will cost more. Well here’s the thing. Despite a broad consensus about cost, Republicans at the forefront of advocating for a “private option” as a possible alternative to Medicaid expansion do not agree. They think that the “private option” might not be any more expensive for the feds, and could even cost less.
Source: typepad.com

GOP governors face resistance on Medicaid

When Brewer grudgingly accepted “Obamacare” expansion in January, she stunned much of the political world with her decision — the governor is not exactly a moderate with a record of cooperation with the Obama administration. But Brewer looked at the numbers, saw her state’s needs, and made the right decision, even if her party wasn’t happy about it.
Source: msnbc.com

Ramsey Says Medicaid Expansion Decision Requires ‘Analyzation’

It’ll carry some weight, but I think we’ll do our own analyzation. This is one that I’m really, really concerned about. Obviously the humanitarian side of me would say that if you can provide health insurance to more people then we ought to be doing it. But the realistic side of me says that the federal government, even though they say they’re paying 100 percent, can’t keep that up. It is impossible. There is no guarantee. As a matter of fact, I would almost lay odds that they will not keep their promise of funding and then what are our options? Either raise taxes on the people of state of Tennessee or remove people from the rolls. I’ve been through that once and it’s no fun. So it just takes a lot of analyzation.
Source: nashvillescene.com

Insurers See Opportunities In Medicaid Expansion While States Mull Pros And Cons

The Associated Press: NH Lawmakers Host Hearing On Medicaid Expansion Low-paid health care workers who provide critical services deserve access to quality care themselves, supporters of expanding New Hampshire’s Medicaid program told House lawmakers Thursday. The state is deciding whether to expand Medicaid under the federal health overhaul law to include more poor adults in addition to the children, pregnant women and other groups who are currently covered. If it opts for expansion, the federal government would pick up the entire cost for the first three years and 90 percent after that, though some opponents question whether that promise would be kept (Ramer, 3/7).
Source: kaiserhealthnews.org

Utah lawmakers back charity care instead of Medicaid expansion

“As a dedicated member of the predominant faith, I donate four hours a week to Boy Scouts….So what if I was assigned by my faith as a doctor to contribute four hours a week to charity care? What if the 3,000 doctors in the state were willing to do that?” said Rep. Michael Kennedy, a family practitioner who sees patients at a University of Utah-owned clinic in Orem. “I would do it in a heartbeat. Would others do the same?…I believe they would.”
Source: sltrib.com

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

The 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

New WordPress Medicare Supplement Site for Sale

Posted by:  :  Category: Medicare

Medical Drugs for Pharmacy Health Shop of Medicine by epSos.deAre 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:   2+7 equals Agree to forum rules 
Source: insurance-forums.net

Video: What is a Medicare Supplement

The importance of Medicare Supplemental Insurance

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Source: medicalnoises.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

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

Cindy, one Medicare rule that you should be aware of since you are not happy with your rate increase from your current Medicare Supplement company is…if you had a Medicare Supplement policy before you joined a Medicare Advantage Plan for the first time, and you aren’t happy with the Medicare Advantage Plan, you will have special rights to buy a Medicare Supplement policy if you return back to “Original Medicare” within 12 months of first joining a Medicare Advantage plan.  If you had a Medicare Supplement policy before you joined, you may be able to get the same plan back if the company still sells it.  If it isn’t available, you can buy another Medicare Supplement policy. (Please see page 66 of the
Source: tonisays.com

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

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

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

Medicare Supplement Leads are more valuable than ever

It’s true. Medicare supplement leads are even more valuable these days. Perhaps you thought that was not possible. If you look at the statistics, the population is aging and there are waves of seniors eligible for Medicare. This is your chance to market to a captive niche, or to put it another way, market to those who need and want health insurance. This is a win-win situation for any agent whose client base is older Americans.
Source: benepath.net

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

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

AARP Medicare Complete Connecticut (review) « Insurance News from Crowe & Associates

Posted by:  :  Category: Medicare

AARP Medicare Complete Regional PPO- The regional PPO is a United Healthcare plans that has the AARP branding.  This plan has in network benefits that are similar to the HMO 2 but it has slightly higher copays, offers out of network coverage and costs $24.00 a month.  The main reason someone would select this plan instead of the HMO 2 is to have the out of network coverage.  This plan will still provide coverage when you visit non participating providers.   This plan should not be confused with the AARP Medicare Supplement plans.  For more info on Medicare Supplement plans CLICK HERE
Source: croweandassociates.com

Video: Medicare HMO

Definition Of HMO Insurance, PPO Health Insurance, Health Insurance Medical Insurance, : Aetna Health Aetna Health Inc. (HMO)

Free Web Hosting Debt Consolidation Non Profit XML Tutorial Definition of VoIP Benefits of VoIP Audi R8 Wallpaper Barack Obama Biography Mortgage Payment Calculator Free Cell Phone Number Search Disadvantage of VoIP Have Phone Number Need Name Affordable Health Insurance Audi Q7 Cheap Web Hosting Beginner LINUX Tutorial LINUX Tutorial Citibank Offer Unsecured Debt Consolidation Loans Free VoIP PDA Comparison Chart Sony PDA Microsoft Project Tutorial Mortgage Calculator Explain Refinancing a Mortgage Toys R Us Domain Name Search Refinance Mobile Home Loan on Rented Lot Chase Credit Card Audi R8 Norwegian Cruise Lines Facts about Barack Obama
Source: projectedu.com

Medical Billing Fundamentals: Vaccine Administration Codes for Commercial & Non Medicare HMO Payers

Immunization administration through 18 years of age via any route of administration, with counseling by physician or other qualified health care professional; first or only component of each vaccine or toxoid component administered
Source: blogspot.com

Medicare Advantage HMO Enrolles Use Fewer Outpatient Surgery Benefits

Medicare Advantage HMO plans may be offering more efficient care than Medicare Part A and Part B plans, according to a study published in the journal Health Affairs. According to the study, MA HMO enrollees receive fewer hip and knee replacements and use fewer benefits for outpatient surgeries and procedures, inpatient stays and emergency department visits. Based on a national comparison of data from MA HMO and traditional Medicare plans from 2003 to 2009, the researchers found that utilization rates in some areas — like ER and ambulatory surgery — were around 20 percent lower in MA HMO plans. MA HMO enrollees also received about 10 percent fewer hip and knee replacements and initially had lower rates of ambulatory visits and hospitalizations. Related Articles on Coding, Billing and Collections: Billing Company Executive to Be Charged With $41M in Tax Evasion Fraud 5 ICD 10 Regulation Myths
Source: beckersasc.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

Turning 65: Finding a Medicare Advantage Plan

This is the fifth in a series of posts that examine the process of signing up for Medicare, navigating its rules, choosing supplemental coverage and planning for health care in a program with a very uncertain future. Here are the first, second and third posts and fourth posts in this series. Ah, those Medicare Advantage (MA) plans!’  The government can’t seem to decide if it loves or hates them.’  On the one hand, when I tried to learn about my options, there was much more MA plan information available from the government than for traditional Medigap policies. ‘ So it seemed like I was being encouraged to select an MA plan. ‘ ‘ ‘ On the other hand, Congress with a big nudge from the president, whacked reimbursements to MA plans, cutting out the overpayments they’d been receiving for years.’  It was costing the government far more to fund the benefits to seniors who picked them than it cost to provide the traditional program.’  Lower payments, experts believe, could cause some MA plans to disappear. While government is betwixt and between on MA plans, I am not.’  I know I would not feel comfortable in a restricted provider network, which is the crux of most of these MA plan arrangements.’ ‘  But I approached the selection process with an open mind, taking a careful look at what’s available and evaluating the advice for selecting one.’  As with Medigap policies and the prescription drug plans that go with them, there were too many choices and too many data points for the average senior to comprehend, let alone make the ‘right’ decision that the marketplace model says will appear, like magic. I understand why seniors fall for misleading or deceptive sales pitches.’  We need a helping hand but all too often whoever is extending it doesn’t have our best interests at heart.’  I had heard lots of these pitches before’the kind where a seller invites seniors to a local restaurant, then glosses over the negatives and highlights insurance deals for a very low or no monthly premium with drug coverage, gym memberships, and vision and dental care thrown in to boot.’  Appealing, no? Now it was time for me to cut through the hype. First, I started my review with the sales brochures I received for MA plans.’ ‘  The giant in this universe, UnitedHealthcare/AARP, sent its brochure in an enticing envelope.’  A big red banner screamed ‘$0 premium Medicare health plans’ ‘enough to make me rip it open.’  The insurer’s Medicare Advantage Guide said that although costs vary by plan, all of United’s MA plans have annual limits on out-of-pocket expenses ‘so you can budget for health care expenses and limit your out-of-pocket costs each year.”  That didn’t mean much since I don’t know what illnesses might befall me.’  Marketing jargon, really, but apparently it works. Another sales piece in the mailing gave concrete info about United-AARP’s MedicareComplete Plan 1 (an HMO) with its out-of-pocket limit of $5,900.’  And the other United-AARP offerings?’  For those I had to turn to the government’s Medicare & You handbook where I ran smack into the bizarre world of MA plans.’  It turned out there were also two PPO plans offered through United-AARP.’  Since PPOs are less restrictive than HMOs, I wouldn’t lose my Medicare benefits by going out of network as I would with an HMO. I learned that there were also three other AARP’  HMO choices’the MedicareComplete Essential HMO with an out-of-pocket limit of $5,900; the MedicareComplete Plan 2 which carried an out-of-pocket limit of $4,200; and the MedicareComplete Mosaic with its limit of $2,900.’ ‘  It’s not uncommon for one insurance company to offer several different Medicare plans with fanciful names, which further confuses consumers. All had no monthly premiums, but they paid different amounts for what’s called durable medical equipment, like oxygen, and for critical treatments like chemotherapy drugs.’ ‘  I also discovered that the United-AARP MedicareComplete Essential HMO did not cover drugs, which would force me into shopping for a drug plan, another headache I didn’t need. The United-AARP MedicareComplete Mosaic seemed ideal with its low out-of-pocket maximum, low copayments for doctor visits, and low coinsurance for the expensive stuff like chemo drugs and medical equipment.’  But based on the sales brochure they mailed to me, which were all about Plan 1, it was not the plan United-AARP was encouraging me to buy.’ ‘  With Plan 1, I would be on the hook for more out-of-pocket expenses’meaning that the carrier would pay less and profit more.’  No wonder they were pushing it.’  A second United-AARP mailing also pushed Plan 1. However, both brochures did disclose a significant variable to look at when choosing an MA plan’the copayments for inpatient hospital stays.’  I knew these copays are often hidden in the fine print, and consumers frequently don’t learn of them until they land in the hospital.’  They are clearly a negative for MA plans.’  FYI:’  Medigap policies pay the copayments for hospital stays, which give them an edge in this department.’ ‘  The copay for Plan 1 was fairly hefty’$175 each day up to $1,400 per stay.’  These could add up for a sick person who had multiple admissions. Emblem Health also sent some Medicare insurance mailers, mostly trying to get me to access their website with my own personal password, which was good for a limited time only.’  They were looking for sales prospects, and I didn’t want to become one, especially since I wasn’t interested in watching some NBA hall of famer on a how-to video telling me how easy it is to choose Emblem’s Medicare options.’  But acting like an average senior who had heard of Emblem Health might, I thought I better take a look at the Emblem plans for New York City. It turns out Emblem offers three HMOs and four PPOs.’  The penalty for being able to go out of network in a PPO is steep. They came with high out-of-pocket maximums’$2,500 for going out of network and $6,700 for staying in network, or a’  $10,000 combined maximum.’  Even though two had no monthly premiums, and two had premiums of less than $100, I didn’t go further with Emblem. While sales people push MA plans with low or no monthly premiums, the premium is not the only thing to consider.’  It’s the mix of policy elements that ultimately determine whether a plan is a good or bad deal.’  And then of course, there’s the unknown of your future health status to consider.’  You need to know how the combination of premiums, in- and out-of-network hospital copays, out-of-pocket limits, drug copays, coinsurance for chemotherapy drugs, and copays for doctor visits interact to determine what a plan will really cost.’  The trade-off for a no-premium plan may be hidden’and high’hospital copays, very high out-of-pocket limits, or the obligation to pay 20 percent of chemotherapy bills.’  It boils down to a game of ‘name your poison.’ I also looked for MA plan information on the Medicare.gov website but did not find it helpful.’  Both the handbook and website gave star ratings for MA plans but they seemed to measure different things, further confusing shoppers who might want to use them.’  The government handbook gave the United-AARP CompleteMosaic plan one star for Member Satisfaction.’  That might be important to know.’  At the same time the government website gave the same plan an overall rating of three stars.’  This certainly raised some questions for me about the usefulness of these stars as a shopping tool. Having done lots of homework, it was time to select a plan to cover Medicare’s gaps.’  Was I going to try one of those Medicare Advantage PPO plans that seemed to offer flexibility and let me keep the doctors that I like?
Source: cfah.org

“Information in Medicare HMO markets: The interplay of advertising and ” by Ashwin R Patel

This study incorporates advertising into the analysis of report cards and risk selection. We analyze the first large-scale dissemination of HMO quality report cards to 40 million Medicare beneficiaries in the fall of 1999. ^ Theoretically, we extend the canonical Dorfman-Steiner model to incorporate the role of report cards and risk selection into the firm’s optimal choice of premium and advertising. ^ First, we explore the relationship between advertising and quality, prior to the actual report card release. We utilize an instrumental variables approach and find that high quality HMOs advertise more than low quality HMOs. In addition, greater advertising drives greater increases in HMO market shares. ^ Next, we study how the actual release of HMO report cards impacts HMO advertising behavior. We then analyze market share movements after the report card release, while incorporating associated changes in advertising expenditures and advertising credibility. We find that after the release of report cards, HMOs receiving higher ratings had lower relative advertising than firms receiving lower ratings. In addition, the report card release decreased the credibility of advertising by low quality firms, such that each dollar of advertising had a lower impact on increasing market share. Overall, we find that firms receiving below average ratings were able to offset the negative impact of the low ratings on market shares through advertising. We provide the first empirical evidence, to our knowledge, that advertising serves as a means to undermine the impact of report cards. ^ Third, we utilize individual-level survey data from Medicare HMO enrollees and find evidence that there exists a significant, positive relationship between advertising expenditures and health risk selection. Furthermore, the impact of advertising is similar for experienced and inexperienced individuals, suggesting a more persuasive role for advertising. ^ Together, these analysis provide a much richer understanding of the powerful role that advertising can play in Medicare HMO markets.^
Source: upenn.edu

Medicare Marketing Outreach Coordinator

Posted by:  :  Category: Medicare

experience as a marketing “generalist” required, including experience planning and managing education and outreach activities and/or marketing and promotional… From AvMed Health Plans – 01 Feb 2013 10:16:06 GMT – View all Miami jobs Read the original Article Here
Source: workly.eu

Video: AvMed Medicare – Dwight Gym

AvMed Health Plans and Wax Custom Communications Receive Bronze at 2010 Mature Media Awards

PRLog (Press Release) – Aug. 16, 2010 – Miami, August 10, 2010– AvMed Health Plans received a bronze medal at the 2010 National Mature Media Awards, the nation’s largest awards program that annually recognizes the best marketing, communications, educational materials and programs for adults age 50 and older. AvMed’s Medicare Enrollment Kit won a bronze medal in the Brochure/Booklet category. The Medicare Enrollment Kit is an annual piece distributed before the Medicare enrollment period, aimed at educating consumers on AvMed’s Medicare plans and benefits and guiding them in their decision making process. “We’re proud that the work we create with AvMed has been honored at the National Mature Media Awards,” said Bill Wax, president and founder of Wax Custom Communications. “These awards recognize the uniqueness of our work with each of our clients and the quality team we have here at Wax.” About Wax Custom Communications:
Source: prlog.org

What Impact Does Medicare Have On Health Insurance?

Many insurance types can be considered a primary insurance depending on the situation. If you are in a car accident, and your insurance or the other person’s insurance covers any medical expenses, those would be considered a primary insurance. Similarly, if you have home owner’s, or renter’s insurance, and they cover a qualified medical expense, then they would be considered the primary insurance. This also includes coverage such as prescription coverage, and other forms of supplementary coverage.
Source: seniorcorps.org

AvMed Health Plans and Delta Dental Announce a Partnership to Help Provide Affordable Dental Coverage

Delta Dental Insurance Company, along with its affiliates, is part of a holding company system that operates in 15 states plus the District of Columbia and Puerto Rico. Both Delta Dental Insurance Company and its holding company hold an “A-“ (excellent) rating from AM Best, and are part of the Delta Dental Plans Association (DDPA). DDPA consists of 39 Delta Dental member companies licensed in all 50 states. The association collectively covers more than 50 million of the estimated 170 million people nationwide with dental insurance, making it by far the largest national system of dental plans.
Source: deltadentalins.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

campusCATALYST now accepting applications for Spring Program

campusCATALYST engages top college undergraduates from all academic majors, backgrounds, and career aspirations. Participant selection is highly competitive with rigorous application requirements and complimentary academic coursework to promote high-performing and knowledgeable teams. campusCATALYST selects members who exemplify leadership, teamwork, and dedication to strengthening our communities.
Source: campuscatalyst.org