Bill would let Oregon bargain for better health insurance premiums

Posted by:  :  Category: Medicare

Getting Health Care by mtsofanOregon’s health insurance exchange is being set up in response to federal health reforms. Called Cover Oregon, it will allow consumers and small businesses to shop between plans and qualify for tax credits. Currently, to sell on the exchange, insurers must submit plans to the Oregon Insurance Division to be reviewed for compliance with state and federal law.
Source: oregonlive.com

Video: Health care premiums

How Will Age and Gender Affect Your Health Insurance Premiums in 2014?

Moreover, the typical 63 year old was not paying 4 times as much as the 23 year old in any of these states. The most expensive state for the average 63-year was Delaware, where his premium would be 382% higher. And Delaware is an outlier.  Nationally the difference in premiums between applicants age 63 and applicants age 23 averaged just 260%, making it unlikely that the ACA’s 300% limit on age-adjusted premiums will be a factor that drives younger Americans premiums skiy-high.
Source: healthbeatblog.com

Sebelius: Insurance Exchanges ‘On Track;’ Premiums Could Rise For Higher

The Associated Press: Upper-Income Seniors’ Medicare Hike President Barack Obama’s plan to raise Medicare premiums for upper-income seniors would create five new income brackets to squeeze more revenue for the government from the top tiers of retirees, the administration revealed Friday. First details of the plan emerged after Health and Human Services Secretary Kathleen Sebelius testified to Congress on the president’s budget …. Currently, single beneficiaries making more than $85,000 a year and couples earning more than $170,000 pay higher premiums. Obama’s plan would raise the premiums themselves and also freeze adjustments for inflation until 1 in 4 Medicare recipients were paying the higher charges. Right now, the higher monthly charges hit only about 1 in 20 Medicare recipients (Alonso-Zaldivar, 4/12).
Source: kaiserhealthnews.org

Yes, Health Insurance Premiums Will Rise Under ObamaCare

Large employers are likely to be affected the least by the law. Instead, the biggest hikes are likely to hit individuals and small businesses. And in some cases, premiums will be quite a bit higher after the law’s major provisions kick in. The Journal reports that a Blue Cross & Blue Shield representative told North Carolina insurance brokers last week that individual premiums could rise by 40 to 50 percent next year. 
Source: reason.com

Number of people covered by employer

Caroline Caroline County Celebrate Virginia Live City Council Civil War crime Culpeper Culpeper County Dahlgren Daniel Harmon–Wright derecho Dominion Raceway earthquake election Falmouth intersection fatal fire Fredericksburg Fredericksburg Va. Getting There Health Care Hurricane Sandy Interstate 95 july 4 King George King George County Michelle Obama Natatia Bledsoe National Slavery museum Orange County outage power outage power outages Rappahannock River Spotsylvania Spotsylvania County Stafford Stafford County storm UMW University of Mary Washington VDOT Virginia State Police VRE Westmoreland County
Source: fredericksburg.com

Don’t Get Sick: Obama’s Health Insurance Premiums are Going Through the Roof

Perhaps the severest impact will be among employers who can’t afford Obama’s higher health insurance prices. Last year, a Congressional Budget Office and the Joint Committee on Taxation report suggested that about three to five million fewer people each year will be able to obtain employer-provided health insurance in the years to come.
Source: townhall.com

Fewer Illinoisans get health insurance at work

The commenter section of Crain’s Chicago Business is an opportunity for our readers to start a dialog on our content. While we don’t require you to use your real name, we do ask that you participate as though you were – that is, keep the conversation civil, stay on topic, avoid profanity, vulgarity and personal attacks, and please don’t post commercial or self-promotional material. We will remove comments that violate these standards.
Source: chicagobusiness.com

Nearly 2.6 million Texans to qualify for tax credits to pay insurance premiums under Obama plan

However, Texas Gov. Rick Perry has vowed that he will not expand the insurance program for the poor out of concern that the state cannot afford it. The federal government has pledged $101.1 billion in matching money for the first 10 years of the expanded program. To bring in that money, the state would have to put up $15.6 billion.
Source: dallasnews.com

Ask The Experts: Retirement

Q. I am 65, have worked for USDA intermittently since 1965 (recurring and temporary in the early years) and have been in my present position with USDA-ARS since 1999. I plan to retire (in FERS) in two or three years. My insurance provider for more than 10 years has been Blue Cross and Blue Shield Federal Employee Program. I am signed up for Medicare Part A. My wife, several years younger than I, is a health provider in private practice. She and my two children (elementary school age) are now covered under the federal employee plan above. My understanding is they can remain covered by the plan when I retire (although some aspects of plan coverage change because of my enrollment in Medicare Part A). After retirement, can I continue to pay premiums (covering me and my family) of the same amount as I now pay? In other words, will the U.S. government continue to pay the same portion of the premium as it does now?
Source: federaltimes.com

Why Does Choosing A Secondary Insurance to Medicare Have to be so Complicated?

Posted by:  :  Category: Medicare

DC Voting Rights by dbkingI will tell you I have received answers. I think I have heard all the versions. My brother-in-law chose an Advantage PPO Plan because he received a YWCA free membership. He is networked through a Clinic close to his home and all his doctors are represented in this one building. He is very happy with his decision. Example: He had an outpatient surgery and his out of pocket expense was 0.00. This expense was for his plan. It will be different for you. He also pays a .00 copay which each medical visit.
Source: findlifeinsuranceservice.com

Video: Setting up Medicare as Primary Insurance and Commercial Insurance as Secondary Insurance

Ask The Experts: Retirement

A. Because you are retired, Medicare would be primary and your FEHB coverage secondary. It doesn’t make any sense not to sign up for Medicare Part A because you’ve already paid for that benefit through payroll deductions. Whether you need to sign up for Part B is decision you’ll have to make. To get a better understanding of the relationship between the FEHB and Medicare, go to www.opm.gov/insure/health/medicare/index.asp
Source: federaltimes.com

Long Waits For Consumers When Medicare Is ‘Secondary Payer’

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

New CMS Website: Medicare Secondary Payer Conditional Payment Information 

[1] Title II of H.R. 1845, entitled "Strengthening Medicare Secondary Payer Rules," amends 42 U.S.C. §1395y(b)(2)(B) of the Medicare Statute, Pub. Law No. 112-242 (January 10, 2013).  See http://beta.congress.gov/bill/112th-congress/house-bill/1845/text. The Bill Summary and status report are available at: http://thomas.loc.gov/cgi-bin/bdquery/z?d112:h.r.1845. The current Medicare Secondary Payer Recovery Contractor (MSPRC) website is located at www.msprc.info. Title I, Section 101 of H.R. 1845, sets out a demonstration project under Medicare Part B for the payment of supplies and services related to the administration of Intravenous Immune Globin (IVIG) for the treatment of primary immune deficiency diseases. [2] The Medicare Secondary Payer program is set out at 42 U.S.C. §1395y(b)(2). [3] The Center’s work on MSP matters can be accessed at: http://www.medicareadvocacy.org/medicare-info/medicare-secondary-payer-program/. In addition, the Center led a task force of the Public Policy Committee of the National Academy of Elder Law Attorneys (NAELA) (www.naela.org) on the use of set-aside arrangements involving future medical expenses. The task force made recommendations on how attorneys might approach "future medicals" pending guidance from the Medicare agency. See: http://www.naela.org/App_Themes/Public/PDF/Home%20Page/ISSUE%20Medicare%20Set%20Aside%20TF_2%20(2).pdf.  [4] See, for example, the joint findings and recommendations, sent to the Medicare Agency, by the Center for Medicare Advocacy, the Medicare Rights Center, and California Health Advocates, available at http://www.medicareadvocacy.org/2011/05/12/medicare-secondary-payer-practices-that-harm-medicare-beneficiaries/. [5] See §201of the Act.  Note, the term "website" includes any successor technology that might be developed. Id., at subclause (VII). [6] See §201of the Act, ("VI") Effective date. [7] See §201of the Act. [8]Id., amending §1862(b)(2)(B) of the Social Security Act, 42 U.S.C. §1395y(b)(2)(B), adding a new clause: (vii) use of website to determine final conditional reimbursement amount. [9] Id. [10] See §204, amending §1862(b)(8)(B) of the Social Security Act, 42 U.S.C. §1395y(b)(8)(B). [11] Id. [12] Id., at subclause "(III)." [13] Id., at subclause "(IV)." [14] Id. [15] Id. [16] Id. [17] Id. [18] Id., at subclause (V), protected period. [19] Id. [20] Id. In addition, the Secretary shall promulgate final regulations to carry out this clause not later than 9 months after the date of the enactment of this clause. Id. [21] Id., §202(a)(2) of the Act. [22] Id., §202(b). [23] Id., subclause "(D)"Report to Congress. [24] Id. [25] See §203, amending §1862(b)(8) of the Social Security Act, 42 U.S.C. 1395y(b)(8)( Required submission of information by or on behalf of liability insurance (including self-insurance), no fault insurance, and workers’ compensation laws and plans). [26] Id. [27] See §205, amending §1862(b)(2)(8)(iii) of the Social Security Act, 42 U.S.C. §1395y(b)(2)(8)(iii).
Source: medicareadvocacy.org

Medicare Secondary Payer: The Shape of Things to Come

H.R. 1063, the Strengthening Medicare and Repaying Taxpayers (SMART) Act, had gained a significant amount of bipartisan support in both the House and Senate; however, with the election pending, the outlook seemed bleak that it would be passed by the 112th Congress. Well, on September 13, 2012, the Energy and Commerce Subcommittee on Health met in an open markup session and made certain adjustments to the bill to implement more automated functions to the conditional payment recovery process. The committee met again on September 20, 2012, and again made minor adjustments to the bill, then favorably forwarded it to the full committee and sent it back to the CBO for scoring. There was no further indication of progress until on December 19, 2012, a lesser version of the SMART Act emerged as Title II of the Medicare IVIG Access Act [H.R. 1845]. H.R. 1845 proposed a $45 million dollar demonstration project to study providing Medicare coverage for in-home administration of intravenous immune globulin (IVIG) to patients suffering from primary immune deficiency disease. Despite the sympathetic appeal of helping the bubble boy, H.R. 1845 needed to be off-set by a bill such as the SMART Act, which proposed to coincidentally save Medicare $45 million dollars over ten years, and the match was made. The new combined bill was nearly unanimously passed by the House on December 20, 2012, and passed by the Senate on December 21, 2012. On January 10, 2013, President Barack Obama signed the legislation, making it
Source: lexisnexis.com

CMS Will Speak at NAMSAP Annual Meeting

Bradley v. Sebelius CDC Centers for Medicare and Medicaid Services CMS COBC Conditional Payments Coordination of Benefits Contractor David Korch GAO HHS liability LMSA Mandatory Insurer Reporting MARC MARC Coalition Medicaid Medicare Medicare Secondary Payer Medicare Secondary Payer Act Medicare Secondary Payer Recovery Contractor Medicare Secondary Payer Statute Medicare Set-Asides Medicare Set Aside Medivest MIR MMSEA MSA MSP MSPRC NAMSAP ORM RREs SCHIP Section 111 Self-Administration settlement SMART Act Social Security The Centers for Medicaid and Medicare Services TPOC US Department of Justice US v. Hadden WCMSA WCRC workers’ compensation
Source: medivest.com

Statement to the Record on the Medicare Secondary Payer and Workers’ Compensation Settlement Agreement Act

HR 5284 creates a system of certainty and allows the workers’ compensation settlement process to move forward while eliminating millions of dollars in administrative costs.  It will help create clear and consistent standards, currently lacking in the process, to address workers’ compensation issues.  Most importantly, it will benefit all parties involved – injured workers, employers, insurers and CMS.  
Source: house.gov

Obscure Medicare Rule Creates Catch

First, for many, employer-based plans are cheaper, more comprehensive and more familiar than Medicare, so people want to keep that coverage. While enrollment for Medicare Part A (which covers hospital stays) is automatic and requires no premium, Medicare Part B (which covers outpatient care) costs $100 per month and some individuals may opt out. Once the employed spouse retires, then the other spouse signs up for Medicare Part B. Without this protection, late applicants for Medicare Part B would have to pay a penalty, like anyone else who signs up late.
Source: dlklawgroup.com

National Health Insurance Reconsidered

Posted by:  :  Category: Medicare

Vintage health insurance card (woman's) 2nd half 1914 by Crazy House Capers7.  Free-Market Prices.  Health care providers are to be strictly prohibited from ever charging more than they would otherwise charge just because a household’s yearly or long-term cap has been, or is likely to be, exceeded.  Other than this, national health insurance is not to place any restrictions upon what providers charge.   And, regardless of what they charge, providers that observe the above prohibition are, by government, to be reimbursed in full for any nationally insured care they provide, except for care not subject to the normal constraints of supply and demand.  Care not subject to the normal constraints of supply and demand would be (1) preventative care provided free of charge, and (2) extraordinarily expensive care, like heart transplants, care that, by itself, would be costly enough to put a typical household above its yearly or its long-term cap, thereby undermining the incentive to shop prudently.  How much providers are to be reimbursed for care not subject to these normal constraints is to be determined by NIA officials in negotiation with a panel of health care providers.  The reimbursement limits  they set are to be just high enough for assuring that providers choosing not to charge more than these limits will be sufficient in number for no one ever to lack timely access to necessary care solely because of costs.  Households that patronize providers that do charge more than these limits are to be wholly responsible for paying the difference themselves.
Source: healthaffairs.org

Video: The Basic Economics of National Health Insurance – Professor Richard D Wolff

Should Congress create a national health

Defenders of the ACA have noted the irony that conservatives, who tend to champion state autonomy, have led the opposition to the creation of state-based insurance exchanges. Yet as Douglas Holtz-Eakin of the American Action Forum, a leading critic of the ACA, has observed, the state-based insurance exchanges are best understood as “a second Medicaid program,” which will likely suffer from the same misaligned incentives as its more familiar cousin. While the federal government will cover the entire cost of the subsidies designed to make the insurance plans offered on the exchange affordable, state governments will be free to impose regulations and mandates on insurance plans that could raise their cost. State lawmakers might want to reward medical providers by deeming that various expensive and non-essential medical treatments must be covered by insurance, but state governments will be under no obligation to bear the cost of having done so.
Source: reuters.com

Affordable Care Act National Minority Health Month

“Because of the Affordable Care Act, the landmark legislation signed by President Obama, we are making strides in advancing quality, affordable health coverage regardless of race or ethnicity,” she said in the statement. “The health care law addresses the needs of minority populations and other underserved groups by investing in prevention, supporting improvements in primary care and Medicare, and making health care coverage affordable and accessible for all Americans. The theme for National Minority Health Month this year is ‘Advance Health Equity Now: Uniting Our Communities to Bring Health Care Coverage to All’.”
Source: newsone.com

California’s Per Capita Health Care Spending Below National Average

Overall, California in 2009 spent about $225 billion on health care from private and public funds. That figure represents more than 10% of the state’s economy — the largest single sector of the economy, according to “Capitol Alert” (“Capitol Alert,” Sacramento Bee, 4/10).
Source: californiahealthline.org

Viewpoints: Health Law Offers ‘Lifeline’ To Many; National Exchange Could Solve Many Problems With State Insurance; Contrasting Looks At Faulty Hip Replacements

The Washington Post: On Health Reform, A Shortsighted Vote We’re all for bipartisanship, but just because Republicans and Democrats agree on a particular policy doesn’t necessarily mean it’s a good one. Case in point: Thursday’s Senate vote to repeal a 2.3 percent excise tax on medical devices that will help fund Obamacare to the tune of $30 billion over the next decade. … Reforming health insurance and expanding coverage costs money — a lot of money. The medical-device tax is one part of a funding package that will enable the health-care law to cover 27 million previously uninsured people, at a projected cost of just under $1.2 trillion over 10 years, without adding to the projected federal deficit. Asking the medical device industry to chip in 2.5 percent of that doesn’t seem unreasonable, given the $100 billion-plus sector’s profitability (3/22).
Source: kaiserhealthnews.org

Medicare Health Plans and Dually Eligible Beneficiaries: Industry Perspectives on the Current and Future Market

Posted by:  :  Category: Medicare

The brief is based on interviews with senior executives at 13 large firms that contract with the Medicare and Medicaid programs and finds almost all of the insurers expect dually eligible beneficiaries will become more important to their business over time. The brief also looks at how insurers currently serve dually eligible beneficiaries, particularly through Special Needs Plans that are part of the Medicare Advantage program.
Source: kff.org

Video: The Story of Medicare: A Timeline

Medicare Revises Readmissions Penalties – Again

The penalties have not been popular with hospital executives, with many complaining that they are excessive and unfair to hospitals with large numbers of low-income patients, who tend to be readmitted more frequently. In an article this month in the New England Journal of Medicine, two Harvard professors who have been critical of the program, Drs. Karen Joynt and Ashish Jha, urged changes, writing that the program “will penalize hospitals that care for the sickest and the poorest Americans, largely because readmissions are driven by the severity of underlying illness and social instability at home.”
Source: kaiserhealthnews.org

Primary Care Doctor Shortage

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

Obama Moves to Jack Medicare Costs

“But last week’s extraordinary rate-setting directive from Health and Human Services Secretary Kathleen Sebelius to the Centers for Medicare and Medicaid Services, in which she spurned historical practice and the advice of the CMS Office of the Actuary, will result in an obscene windfall to the private, for-profit insurers,” he said. “Simultaneously, this backroom Medicare giveaway is a heavy blow to taxpayers and the traditional, public Medicare program.”
Source: singlepayeraction.org

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

Quick Health Facts 2012: A Compilation of Selected State Data

. This is the 3rd edition of Quick Health Facts. Earlier editions were published in 2008 and 2010. This is the first year that Quick Health Facts incorporates data from the American Community Survey (ACS), resulting in an improvement of the precision of state level estimates.  Previous editions relied on data from the Current Population Survey (CPS). As a result of this change, some of the figures in this edition of Quick Health Facts are not directly comparable to the figures in previous editions. In addition, data points presented in Quick Health Facts should not be combined to create new data points, as they are often derived from different data sources. The Quick Health Facts series is adapted from the State Profiles: Reforming the Health Care System series that was published annually from 1990 to 2000 and biennially from 2001 to 2005 by the AARP Public Policy Institute. Quick Health Facts is not a continuation of the State Profiles series; therefore, comparisons should not be made with information contained in past editions of State Profiles.  This publication, as well as state-specific versions, can also be accessed via the Internet at http://www.aarp.org/research/ppi. For hard copies of Quick Health Facts 2012, please call the AARP Public Policy Institute at 202-434-3890.
Source: aarp.org

UPDATE: Medicaid, guns, bicycles on the Broadway Bridge

Posted by:  :  Category: Medicare

Uninsured Direct-Care Workers by Geographical Region, 2007-2009 by PHInational.orgThe Highway and “Transportation” Department honors non-motorized traffic only to the barest extent required by federal law. It is going to build this new bridge just because it can and because some free federal money’s available, though not enough to do it right. The state never had an interest in waiting to get enough money to do this bridge right — or better yet, build a new crossing on a new site and make the existing Broadway Bridge a hanging garden of public enjoyment between a remodeled Robinson convention center and the north shore’s lovely riverfront. It was always this approach for the highway builders: We’re going to build a monstrosity NOW, so you better get out of our damn way.
Source: arktimes.com

Video: Strengthening Medicaid is a Good Deal for Arkansas

Arkansas House OKs Medicaid ‘Private Option’ 62

Rep. John Burris, the House sponsor of the bill, told lawmakers that although the decision was not “black and white,” the proposal was the most conservative option for the state, since it would provide residents with private insurance and include cost-sharing provisions that include incentives for making cost-effective decisions.
Source: arkansasbusiness.com

Daily Kos: More GOP governors considering Arkansas model for Medicaid expansion

The Arkansas agreement hasn’t been finalized yet, so it’s possible that it will fall through in the end. If it is finally approved and implemented, it raises other key questions for the states, namely what happens after three years when the federal government isn’t paying 100 percent of the expansion costs any longer? Will the states pick up the slack, or end the experiment? That’s a key problem, if private insurers can’t keep costs as low for the newly enrolled as Medicaid would have. The CBO has estimated that covering an individual on the private exchanges will cost about $3,000 more than Medicaid would cost.
Source: dailykos.com

Arkansas’ ‘Third Option’ For Medicaid Expansion Draws Attention

The Associated Press/Washington Post: Maryland House Passed Bill Further Implements Health Care Reform A measure to further implement federal health care reform in Maryland passed the House of Delegates on a 93-43 vote Monday with little debate. The measure creates a dedicated funding stream for the Maryland Health Benefit Exchange, which is a new insurance market that will offer residents a choice of private health plans. While the exchange is on track to be up and running by Jan. 1 with federal help in the first year, the state will begin paying roughly $24 million in fiscal year 2015. The money will come from an existing 2 percent tax on insurance plans that are state-regulated (3/25).
Source: kaiserhealthnews.org

Avik Roy tells Arkansas to pass on Medicaid expansion through the health exchanges

If states do move Medicaid patients into private coverage, the Obama administration has said that states need to ensure they have access to the exact same benefits they would in the public program. That probably includes benefits rarely, if ever, covered by private plans, such as arranging for transportation to and from appointments.
Source: aei-ideas.org

Should Arkansas Accept the ObamaCare Medicaid Deal?

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

The Arkansas Scheme to Expand Medicaid

By: Nicole Kaeding In February, Governor Beebe of Arkansas met with Health and Human Services Secretary Sebelius to discuss a new plan to expand Medicaid. Under Beebe’s plan, Arkansas would expand Medicaid to cover all individuals below 138% of the federal poverty level, but the individuals would be put into President Obama’s health insurance exchanges, not the traditional Medicaid system. Conservatives are rushing to support the Governor’s plan talking about “choice” and “competition.” Unfortunately, Beebe’s plan is another bad alternative to Medicaid expansion. Beebe’s plan would expand Medicaid eligibility from 17% of the federal poverty level to 138% of the federal poverty level—approximately $31,000 for a family of four. Instead of receiving their insurance through the traditional, flawed Medicaid system, recipients would receive premium support–paid for by state and federal taxpayers–to buy insurance through a health insurance exchange. The Arkansas Scheme is just expansion by another name. It doesn’t matter if Medicaid is expanded under its traditional program or through a premium support model; 225,000 new Arkansans will be dependent on government for their health insurance. No matter how you spin it, it’s expansion, not reform. Supporters are arguing that this scheme would allow Arkansas to better serve its Medicaid population by providing them with a better insurance product. Study after study has shown that Medicaid is indeed worse than private insurance in terms of health outcomes. Many things work together to make Medicaid an inferior insurance product, namely governmental involvement and bureaucratic restrictions. By allowing enrollees to purchase private insurance, supporters argue, enrollees will be better-off by the choices available to them. But supporters ignore a very important aspect. The insurance plans available for purchase in 2014 through President Obama’s health insurance exchanges aren’t the same as private insurance available today. Plans sold via the exchange are known in health care policy world as “qualified health plans.” QHPs will be subject to the hundreds of pages of regulations from the Obama Administration dictating all aspects of the plans such as mandating coverage in ten broad categories of treatment. These coverage areas apply regardless of whether the insured needs them. For instance, all plans must cover pediatric dental care whether or not a child is part of the policy—a mandate that only raises the costs for individuals. Only the plans that meet the whims of state and federal regulators will be available for new Medicaid enrollees; some “choice.” Medicaid expansion under the Arkansas plan is more expensive for taxpayers. According to the Congressional Budget Office, private insurance costs 50% more per enrollee than Medicaid. Adding people through the Arkansas model will inflate the already high costs of Medicaid for taxpayers. Arkansas seems to be little concerned with this aspect as the federal government will be paying 100% of the costs for the first three years and up to 90% thereafter, but federal taxpayers should sure care. Instead, supporters in AR are touting analysis from a group of actuaries saying that this model of expansion won’t be any more expensive than traditional expansion. First, that ignores that the total costs for state and federal taxpayers will be almost $15 billion more over the next ten years than not expanding. But importantly, the actuaries’ assumptions are dubious at best calling into question the idea that private-insurance expansion would somehow be cheaper. Their assumptions basically say that buying a more expensive insurance policy somehow saves the state money. Finally, the Arkansas scheme is being sold as a flexible alternative to traditional Medicaid expansion. The plan details numerous waivers that Arkansas will ask HHS for federal approval. That highlights the key point to this debate. Medicaid is a joint-run state and federal program where the federal government has always been in control. States function just as the administrator of the program. Any and all changes that AR wants to make to its Medicaid system must be approved by HHS. That’s not flexibility; that’s begging for permission. This model is spreading like wildfire. Numerous states including Ohio, Tennessee, Florida are discussing a similar expansion with HHS. What is bad for Arkansas is bad for these states as well. Expanding Medicaid, through a private insurance or a traditional expansion, isn’t the right policy for Arkansas. Increasing costs for state and federal taxpayers and encouraging even more government dependency isn’t reform. Instead of running to HHS to soak up “free” federal money, Arkansas should reject this flawed expansion scheme.
Source: americanhealthcarefreedom.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

Arkansas’ Dubious Logic Regarding Their Medicaid Expansion Plan

The one big problem with this plan is that private insurance is significantly more expensive than public insurance programs such as Medicare and Medicaid. This private option could be as much as 50 percent more expensive, but the Arkansas Department of Human Services released an analysis claiming the added cost would be much lower. They claim it may only cost 15 percent more or possibly less. One problem is their analysis seems based on some dubious and contradicting logic.
Source: firedoglake.com

Arkansas Accepts Medicaid Expansion, But Not Via Medicaid

Ed Kilgore, once again directing his gimlet eye at goings-on in his native South, points us today to a report that Arkansas plans to accept the full expansion of Medicaid that’s part of Obamacare. The gotcha is that Arkansas’ Republican legislature is insisting that instead of receiving traditional Medicaid, all the new beneficiaries will get benefits via private insurance purchased on Obamacare’s exchanges. This will almost certainly be more expensive, but apparently Republicans are so enamored of a private solution that they’re willing to accept this.
Source: motherjones.com

Obama Cuts Medicare – Again!

Posted by:  :  Category: Medicare

 The combined impact of these administrative actions will force millions of seniors into the government run Medicare they already chose to reject. According to the CMS’ own numbers, enrollment in Medicare Advantage fell for several years after the program was faced with significant cuts in the Balanced Budget Act of 1997. And between December 2001 and December 2002, enrollment dropped by more than 900,000. Those who stayed in the program saw higher premiums and reduced benefits and coverage.
Source: townhall.com

Video: EHR: Medicare, Medicaid EHR Incentive Program Webinar for Eligible Professionals

Obama’s budget would raise Medicare premiums of rich

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Source: sltrib.com

Budget: cover uninsured, trim Medicare, tax cigs

Upper-middle class and well-to-do seniors would pay higher monthly premiums for outpatient and prescription drug coverage, a significant expansion of a policy already in effect. The current premiums would be boosted, and the share of beneficiaries exposed to the higher rates would keep growing until it reaches one-fourth of all those in the program. Now, only about 6 percent of Medicare recipients pay higher “income related” premiums.
Source: seattletimes.com

Sequester Cuts: Payments to Medicare Doctors

Medicare spending per beneficiary grew just 0.4% per capita in fiscal year 2012, continuing a pattern of very low growth in 2010 and 2011. Together with historically low projections of per capita growth from both the Congressional Budget Office and the Centers for Medicare and Medicaid Services (CMS) Office of the Actuary, these statistics show that the Affordable Care Act has helped to set Medicare on a more sustainable path to keep its commitment to seniors and persons with disabilities today and well into the future. The success in reducing the rate of spending growth has been achieved without any reduction in benefits for beneficiaries. To the contrary, Medicare beneficiaries have gained access to additional benefits, such as increased coverage of preventive services and lower cost-sharing for prescription drugs.
Source: talkleft.com

Sequester (GOP) Blamed for Medicare Woes, Not Obamacare Cutting $714 Billion Out of the Program

Washington Post says: “Legislators meant to partially shield Medicare from the automatic budget cuts triggered by the sequester, limiting the program to a 2 percent reduction — a fraction of the cuts seen by other federal programs.  But oncologists say the cut is unexpectedly damaging for cancer patients because of the way those treatments are covered.”  And even those cuts are not real. As the AP says, legislators exempted Medicare and Medicaid from the sequester.  There aren’t any cuts in Medicare.  All of this is manufactured and made up.  But the idea here is to — you’ve got, what, really in this year, $25 billion in sequester spending that’s being reduced.  They’re not budget cuts.  It’s spending being reduced.  Spending from a projected amount, not, again, reduced spending from a baseline.  The whole idea is Republicans have to be blamed for this.  And it’s Republicans causing cancer patients to die. 
Source: rushlimbaugh.com

NYC Cardiologist Admits Faking Diagnoses to Collect Medicare Money

In court, Katz told the judge as a doctor he had "done everything he could to help patients."  The judge told him he would have time to speak at sentencing set for July 23. After the court hearing, Katz and his attorney, Blair Zwillman, left the courthouse admitting mistakes were made but insisting Katz always cared for his patients.    
Source: nbcnewyork.com

Understanding Fiscal Responsibility

Essentially, as discussed in the article, the proposed plans for reforming Medicare would involve dissolving the division between doctor’s pay and hospital service bills in order to streamline fund allocation and cost effectiveness within the system. Students need not understand all of the complexities of Medicare, nor of its proposed reforms, but they should understand that there is much more at stake here than inefficient bureaucracy and paperwork. “Reforming” and simplifying Medicare means changing the way in which the costs of Medicare are distributed – changing who pays for what. With this article students will realize that that the policies and programs they are studying about in the UFR curriculum remain a high-stakes dilemma for legislators and the President.
Source: teachufr.org

H.R.6331: Medicare Improvements for Patients and Providers Act of 2008

Posted by:  :  Category: Medicare

White House Medicare Presentation by National Institutes of Health LibraryDelays generally until after 2011 full implementation of the Medicare competitive acquisition program for the purchase of durable medical equipment (DME), prosthetics, orthotics, and supplies (DMEPOS). Revises requirements for such program, dividing its implementation into two rounds, and specifying covered item updates for 2009-2014. Prescribes requirements for application of accreditation in implementing quality standards. Requires suppliers to disclose subcontractors. Directs the Secretary of Health and Human Services to provide for a competitive acquisition ombudsman within the Centers for Medicare & Medicaid Services to respond to complaints and inquiries by suppliers and individuals. Specifies topics for the Comptroller General's required study and report to Congress on the impact of competitive acquisition of DME on suppliers, manufacturers, and patients. Sets forth a special rule for the competitive acquisition program for diabetic testing strips. Subtitle D: Provisions Relating to Part C -
Source: opencongress.org

Video: Cheryl Bradley lectures on Medicare Billing

Schumer introduces Medicare bill to cover SNF therapy after hospital observation stays

Under existing law, Medicare only covers skilled nursing home rehabilitation services for seniors who first spend three days in the hospital as an inpatient. Hundreds of thousands of seniors are being denied Medicare coverage for therapy each year because they are admitted to the hospital under “observation status,” which does not count toward the three-day inpatient minimum, Schumer said. Correcting the “observation stay loophole” has been a major item on list of SNF advocates.
Source: mcknights.com

Bipartisan Duo Introduces Medicare ‘Doc Fix’ Bill In House

MedPage Today:  House Bill Will Repeal SGR, Raise Doc Pay Yearly [The bill] would identify new payment and delivery models, including for different specialties, practice types, and geographic regions. It also would stabilize reimbursement for providers who exhibit “quality and efficiency within a fee-for-service model,” according to the release. …. John Rother, president and CEO of the National Coalition on Health Care, which represents businesses, medical societies, unions, insurers, healthcare providers, and patients, noted in the press release that “This bipartisan legislation would help deliver the real reform we need, moving us away from today’s fee-for-service system to higher-quality, lower-cost care” (Struck, 2/6).
Source: kaiserhealthnews.org

Doctors praise bill to repeal Medicare cost

The AMA and other healthcare providers strongly oppose the IPAB, which would essentially have the power to make Medicare cuts now reserved for Congress — and thus subject to intense lobbying by groups trying to avoid a cut to their payments.
Source: thehill.com

Lawmakers Propose Bill To Permanently Repeal Medicare SGR Formula

HR 574 would maintain current physician reimbursement levels through next year. It then would instruct CMS to develop and test new payment models for the following five years. From 2015 to 2018, reimbursement rates would increase by 2.5% annually for primary care physicians and 0.5% for all other doctors (Ethridge, 
Source: californiahealthline.org

North Carolina Medical Society

The North Carolina Medical Society (NCMS) has joined forces with other state medical and national specialty societies in signing on to a letter in support of the Medicare Patient Empowerment Act (MPEA). This act would establish a Medicare payment option for patients and physicians to freely contract, without penalty, for Medicare fee-for-service services. It would allow Medicare beneficiaries to use their Medicare benefits, and allow physicians to bill the patient for all amounts not covered by Medicare. 
Source: ncmedsoc.org

H.R.1250: Medicare Audit Improvement Act of 2013

Official: To amend title XVIII of the Social Security Act to improve operations of recovery auditors under the Medicare integrity program, to increase transparency and accuracy in audits conducted by contractors, and for other purposes. as introduced.
Source: opencongress.org

Medicare supplemental insurance will take care of your immediate needs

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSWhere do you live? Is it Vermont, Indiana or Minnesota or any other place? It is possible to access information about Medicare supplement insurance in your area. It is also possible to get details about companies like AARP which are operating in the specific location, the choices they give in coverage and premiums, choose the most economical and save on out-of-pocket expenses. This information is especially great for retirees and people with pre-existing medical conditions. Just file details in http://www.medigapplansguide.com. Get the most comprehensive analysis of insurance plans taking into account all the factors and then with agents guidance choose the best option, all from the comfort of wherever you are.
Source: theshakyhands.net

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

Stephen L Morgan’s Personal Blog: Some Useful Information For Selecting Medicare Insurance

Insurance coverage is necessary. There is neo way around it then. If you perform not provide ourselves with enough insurance policy coverage you will possible find that you are facing huge doctor bills. Breastfeeding bills are a single the fastest exciting financial difficulties suffered by people thrity nine and over. The cost linked to medical care is expected to stay to increase, pushing many seniors within the long term family facilities before ought to to go. Now, some may to be honest believe that through process of obtaining further insurance, these are putting on their own and their futures more to the entire hands of folks rather then safeguarding command. Nonetheless, this can be just not the situation. Northern La visit is guaranteed to assist as well as , guard your financial situation. Who understands simply could happen? You possibly can potentially undergo from great enormous coronary heart assault and call for a wonderful deal more than the medicare will pay out. By acquiring supplemental insurance, happen to be able to lower the stress the payments will placement on both and also your your friends and in addition family. Concentrate on understand that Medicare supplemental insurance policies are traded by private corporations. The policy itself is similar no matter what individuals sells it however the cost to participants might change. When you actually buy Medigap Plan Delaware at one insurance company is the exact same coverage you get through another insurance agency. The difference being premium you reimburse them to offer the insurance. This is one of pushed it is essential to do background work before settling on the Medigap plan while provider. Expertise. There are many, many broker agents and brokers that a lot of sell insurance. Most of options are a jack most trades, masters within none. Medicare health insurance and Medicare option is quite unique. Work with someone who specializes in Treatment Supplemental and Medicare insurance Advantage plans also knows this area of expertise inside and to choose from. Feeling a best service that offers Medicare Supplemental Plan P can be little a challenging work, but if you have touch with a major national insurance forex broker that contain every and every insurance company and provides all Medicare plans, you will can save a considerable amount of time. Your agent or broker in order to be very knowledgeable on behalf of you regarding Medicare health insurance Supplemental Insurance and you’ll feel cool with his suggestion and consider he is producing honest deal. It is very necessary to discover the perfect plan from a insurance company gives great hospitality. One particular thing to end up cautioned about is without a doubt paying for currently the Medicare premiums along with credit cards. This is a hazardous practice to commenced in. Making payments on the premiums with a bank card raises the run you pay by bringing interest and expenses. It is better to make premiums withdrawn since your account in the market to pay the set you back of the Medicare health insurance supplemental plan at the time information technology is due and then withdrawn from all your checking account. About many it in many cases can be due to positively concerns they gain had their full lifestyle, but to receive others it would be just a some other sign of rising. No matter what the situation, without the need of dentist professionist insurance coverage the discomfort of common procedures can damage not only your very own teeth, but furthermore , your wallet together with. It will for this good reason that that the Blue Cross Blue Guard Dental of California system tends up to make so essentially sense. But also know that complex activities insurance company offer all 12 Medicare supplemental insurance plans. Service repair shop that carries the following policies is forced to have Plan A. Beyond that, the plans they offer are up to company, based at their own success and the sales of each policy or which of them they feel most comfortable offering. Hence, if you’ve selected Plan D, you’ll need search not exclusively for private companies that provide Medicare supplements, just companies that offer this specific program so that find the right protection for your requests. Upcoding of septicemia is apparently so rampant the fact according to this 1999 inspector general’s report in anyone sample of clinic billings investigators studied, 20 percent related with septicemia cases are upcoded.
Source: blogspot.com

How to make your family safe with Medicare Supplemental Insurance

People with medicare can opt to get a prescription drug coverage. Only insurance companies and other private companies (insurer)ncan offer this plans. It is important to contact your insurer before your application to a Medicare prescription supplement plan because the action you take may affect your benefit with your current plan. It is best to understand the basics, eligibility requirements, exclusions and limitations of the plans. If you have limited income, you may qualify for EXTRA HELP for your Medicare prescription drug coverage. Each Medicare Prescription Drug Plan has its own list of covered drugs (called a formulary). Many Medicare drug plans place drugs into different tiers. Drugs in each tier have a different cost.A drug in a lower tier will generally cost you less than a drug in a higher tier. If your prescription is on a higher tier and your doctor thinks that you need that drug instead of a similar drug on a lower tier, you can ask your plan for an exemption for a lower copayment.
Source: fatheadandbraindeadssaloon.com

Compare Medigap Plans Medicare Supplemental Insurance Texas

It is hard to track down online scammers. Therefore, precaution sounds cure. You should never give your sensitive information online and not pay through wire-transfers. Do not click on accessories in emails out of unknown sources for the reason that may contain spy ware and spyware that put you at the risk of masterplans scams. Use the internet only from relied upon e-commerce stores and do not accept any job role offers online without requiring checking the experience of the work. By taking small precautions, you can enjoy a hassle-free from the internet experience and watch over yourself from rip-off.
Source: wholesomefood.org

How to Choose the Best Medicare Supplement Insurance in Missouri

There are some things that you should know regarding your premiums for your Medicare supplement insurance in Missouri. Paying a higher premium for your standardized Medicare Supplement insurance plan will not get you anything. Aside from similar benefits from one insurance company to another, the claim requirements are also identical. There are some insurance companies which may imply that their plans are much better because they do not require you to file claim forms. But this is not a fact since the truth is filing for claims actually depends on the doctor or health care provider. There are some health providers who will file the claims in your behalf. Every January 1
Source: ehealthmo.com

Ideas for Reforming the Medicare Benefit Design: A Historical Reminder of Bipartisan Support

“Under Medicare Parts B and D, certain beneficiaries pay higher premiums based on their higher levels of income. Beginning in 2017, this proposal would restructure income-related premiums under Medicare Parts B and D by increasing the lowest income-related premium five percentage points, from 35 percent to 40 percent, and also increasing other income brackets until capping the highest tier at 90 percent… “…Introduce Part B Premium Surcharge for New Beneficiaries Purchasing Near First-Dollar Medigap Coverage: This proposal would introduce a Part B premium surcharge for new beneficiaries who purchase Medigap policies with particularly low cost-sharing requirements, effective in 2017.” – U.S. Department of Health & Human Services. “Fiscal Year 2014 Budget in Briefing.” 2013.
Source: house.gov

Summit Medigap: How To Compare The Different Medicare Supplement Plans

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SS1990, Medicare standardized their different plans in order to decrease the amount of confusion that consumers were experiencing as they compared different coverages offered by the different healthcare insurance providers. As a result of this standardization, it is easier for the consumer to understand the comparison of these different benefits and the associated cost comparisons between healthcare insurance providers. As a result, the terms “MediGap plans” and “Medicare supplement” basically mean the same thing and are commonly used interchangeably. As a result of having so many Medicare plans to choose from, it is important to research each one in order to decide which will be best for your personal needs and situation. One of the first things to be aware of when searching for supplement plans and comparing the ones you find is that many websites who advertise these are only there for one reason and that is to collect your personal information. In many cases, insurance providers will purchase leads or develop lead generators to accomplish this instead of actually doing what they advertise. Basically, these companies don’t know the proper ways of developing new business so they resort to these somewhat underhanded methods. Many of these companies make it appear as though they actually sell the different Medicare supplement plans but the reality is that they will collect your personal information and sell it to numerous insurance agents. Here are two ways that you can tell if they are legitimate healthcare insurance and Medicare supplement plan providers. First of all, there will be a toll-free number to call and secondly, there will be a statement promising that they will never sell your personal information to anyone else. Do price comparisons of these different Medicare plans when searching through the different companies that offer them. The better insurance brokers will be able to provide you with these comparisons from those insurance providers operating in your local area. In most cases the prices will differ despite the fact that the supplement plans they offer are identical. Remember, it is better to do plenty of research in order to make a well-informed decision when purchasing the Medicare supplement plan that is right for you.
Source: blogspot.com

Video: Medicare supplement Insurance Plans VS Medicare Advantage plans

Medicare supplemental insurance will take care of your immediate needs

Where do you live? Is it Vermont, Indiana or Minnesota or any other place? It is possible to access information about Medicare supplement insurance in your area. It is also possible to get details about companies like AARP which are operating in the specific location, the choices they give in coverage and premiums, choose the most economical and save on out-of-pocket expenses. This information is especially great for retirees and people with pre-existing medical conditions. Just file details in http://www.medigapplansguide.com. Get the most comprehensive analysis of insurance plans taking into account all the factors and then with agents guidance choose the best option, all from the comfort of wherever you are.
Source: theshakyhands.net

How to Choose the Best Medicare Supplement Insurance in Missouri

There are some things that you should know regarding your premiums for your Medicare supplement insurance in Missouri. Paying a higher premium for your standardized Medicare Supplement insurance plan will not get you anything. Aside from similar benefits from one insurance company to another, the claim requirements are also identical. There are some insurance companies which may imply that their plans are much better because they do not require you to file claim forms. But this is not a fact since the truth is filing for claims actually depends on the doctor or health care provider. There are some health providers who will file the claims in your behalf. Every January 1
Source: ehealthmo.com

Compare Medigap Plans Medicare Supplemental Insurance Texas

It is hard to track down online scammers. Therefore, precaution sounds cure. You should never give your sensitive information online and not pay through wire-transfers. Do not click on accessories in emails out of unknown sources for the reason that may contain spy ware and spyware that put you at the risk of masterplans scams. Use the internet only from relied upon e-commerce stores and do not accept any job role offers online without requiring checking the experience of the work. By taking small precautions, you can enjoy a hassle-free from the internet experience and watch over yourself from rip-off.
Source: wholesomefood.org

Medicare Advantage Plans vs. Medicare Supplemental Insurance Plans

Medicare Advantage Plans are private insurance companies that receive subsidy from Medicare Insurance. Medicare pays the private insurance company a premium to cover the individual. Medicare is essentially selling your insurance to the private insurance company. Your Medicare Advantage Plan is then liable to pay all of your covered benefits. All Medicare Advantage Plans are required to provide the same coverage as Medicare-covered benefits. Medical Advantage Plans include Health Maintenance Organizations (HMOs), Private Fee-for-Service Plan (PFFS) and Preferred Provider Organization (PPOs). Since these plans are private owned companies they have their own network of doctors and facilities. If you choose to use a provider out of network you may have to pay out of pocket costs. These cost are usually deductibles, co-pays and unreasonable charges incurred by non-participating doctors and facilities. Therefore, it is wise to find and establish doctors within your network. The biggest advantage to choosing a Medicare Advantage Plan is that the average premium is approximately $50 per month and sometimes free. The disadvantage is not every Medicare provider accepts these plans.
Source: maxinevoyance.com

For The Healthy Senior, Who Has Good Fully Underwritten Products?

Posted by:  :  Category: Medicare

Joe the Plumber - To Flush The System ... More scams aim to ensnare Brevard seniors - Their ingenuity is boundless, Archer said. (Jul 2, 2012) ... by marsmet524Are 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 leTTeRs arE in tHis queStioN? Agree to forum rules 
Source: insurance-forums.net

Video: Senior Health Insurance Information : Disability Insurance & More

Acquire Quality Rates on Senior Health Insurance

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Source: wordpress.com

Health Insurance For Senior Citizens by Ram Mohan Susarla

In the context of the baby boomers retiring in large numbers and without the  proper tools for some of them to plan adequately for their retirement and health  care, there should be a comprehensive plan for access to medical coverage by the  insurance companies as well as the government. There are several insurance  companies that have special plans for senior citizens as they allow for the  coverage with all facilities provided for them. However, there are other  companies that do not encourage coverage for senior citizens on the grounds that  they are a high risk category and hence the premiums do not justify coverage.  There are some commentators who call for an old age premium to be placed on the  coverage plan so that senior citizens can get coverage at the rates provided by  the insurers, albeit with a premium.
Source: nvseniorguide.com

Health Insurance for Elderly: Apollo Munich Launches Optima Senior

Optima Senior provides lifelong coverage, with no sublimits and no loading on change of health status, ensuring continuous healthcare coverage. A person over 61 years can choose from three sum insured levels i.e. Rs. 2 lakh, Rs. 3 lakh or even Rs. 5 lakh.  As in all its products, Apollo Munich Health Insurance does not have any claim based loading or claim based underwriting in its Optima Senior product. Policyholders can also enjoy a 5% non cumulative discount on the renewal premium payable under the policy after every claim free year, provided that the policy is renewed with the company without a break. Optima Senior also provides coverage for an E-opinion, wherein a policyholder can obtain a second opinion, from Apollo Munich’s medical panel for listed ‘Critical Illness’ suffered during the policy year.
Source: rupeemanager.com

Apollo Munich introduces Optima Senior A New Health Insurance Plan

A senior health insurance plan is comprised all those benefits that are required to provide total healthcare coverage to insured person. It aims at making healthcare journey easy and uncomplicated for the oldies. So, at the cost of reasonable premium they entitle the insured to comprehensive medical insurance benefits. Incorporating several health insurance benefits, Optima Senior is a truly appropriate plan for our elders. The plan comes with a promise of several unique features. This plan with amazing benefits and features offers uncomplicated and hassle free coverage for lifetime to the individual and his/ her spouse. It makes quality healthcare accessible with an option of higher insurance cover of upto 5 lakhs.
Source: blogspot.com

Optima Senior New Health Insurance Plan

While thinking of health insurance, several related thoughts comes in mind. People look for a plan that can ensure complete healthcare protection at the expense of a reasonable premium amount. The needs also differ from individual to individual. On the basis of age, pre-exiting illness and affordability limit, people choose a medical cover for them. Hence, they land up with a plan that can suit their specific needs. In order to take care of all kind of healthcare needs of people, health insurance providers have emerged with numerous innovative healthcare products. They make medical insurance suitable and feasible for all.
Source: blogspot.com

Arizona Senior Health Insurance Solutions

In Arizona, there are a wide array of Senior Health Insurance Plans. The many options available to you include health insurance plans for people that have certain health conditions, health insurance plans for people who like to travel the United States and foreign countries , health insurance plans for those who want to seek out the best treatment from doctors throughout the United States that accept Medicare, and health insurance plans for people with lower incomes that receive extra help.
Source: arizonaseniorhealthinsurancesolutions.com

Will The Health Insurance Exchanges Be Ready On Time?

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Source: ncpa.org

Life Insurance for Senior Adults – An Affordable Safeguard in Today’s Economy

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Source: life-and-health-insurance.com

Top 10 Health Insurance Companies, Health Insurance For Low Income Families, Health Insurance Statistics, : Ohio Senior Health Insurance Information Program

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Source: projectedu.com