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

Posted by:  :  Category: Medicare

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

Video: AvMed Medicare – Dwight Gym

Yohanon’s ramblings: How is it possible?

Back to the prescriptions. In order to have prescription coverage – which I found out is a requirement – there is an ADDITIONAL change by Medicare . . . and if you fail to sign up for (I think) Part D prescription coverage when first eligible, Medicare penalizes you – forever.
Source: blogspot.com

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

Studies Don’t Lie: Patients Benefit from a Strong PCP Relationship

More than 100 studies document the critical role primary care physicians (PCPs) play in patient care. PCPs can be many things for a patient—their cheerleader, advocate and even their medical interpreter—but most importantly, the studies prove that having a strong relationship with a PCP leads to better quality of life, more productive longevity, and lower costs as a result of reduced hospitalization, improved prevention and better coordination of chronic disease care. AvMed Health Plans, one of the oldest Medicare providers in South Florida, has embraced a more PCPcoordinated approach to healthcare. The company recently introduced CenteredCare®, which puts the PCP at the center of every member’s care.
Source: communitynewspapers.com

Medicare hike could also hit some in middle class

Posted by:  :  Category: Medicare

Medicare by 401(K) 2013The latest proposal ramps up the reach of means testing and sets up a political confrontation between AARP and liberal groups on one side and fiscal conservatives on the other. The liberals have long argued that support for Medicare will be undermined if the program starts charging more for the well-to-do. Not only are higher-income people more likely to be politically active, they also tend to be in better health.
Source: publicradio.org

Video: Medicare: A Primer

The History of Medicare in Seven Minute Video

The arrival of my 50th birthday is prompting me to post this zippy video about  Medicare. It  is written and produced by the Kaiser Family Foundation staff and serves as a visual timeline of Medicare’s history. It cleverly presents the debate that led to Medicare’s creation in 1965 and subsequent changes, such as the passage and repeal of the Medicare Catastrophic Coverage Act in the 1980s, the Medicare Modernization Act in 2003, and the Affordable Care Act in 2012.
Source: chicagonow.com

Medicare A and B Cost and Benefits 2013

AARP AARP Connecticut AARP Medicare AARP Medicare Complete AARP Medigap AARP Medigap 2013 AARP Rates 2013 AARP Supplement AARP Supplement 2013 aetna Medicare Anthem Anthem High F plan Anthem Medicare Anthem Medigap Anthem Supplement Crowe and associates High Deductible F supplement how to choose a Medicare Advantage plan How to choose a Medicare plan how to choose a plan How to choose a supplement how to enroll in a medicare plan MAPD Med Advantage Medicare Medicare Advantage Medicare Advantage plans medicare b Medicare Complete Medicare Complete connecticut Medicare Connecticut Medicare part B Medicare part B cost Medicare part D Medicare plan Medicare Supplement Medicare Supplement Connecticut Medigap Medigap rates 2013 Medigap rates NY 2013 Original Medicare united healthcare United Healthcare AARP United medicare complete United Medicare complete 2013
Source: croweandassociates.com

Viewpoints: Fighting To A Draw On Medicare; A Coming Era Of Austerity

Baltimore Sun: Facing The Fiscal Cliff, Obama Can’t Back Down Again As official Washington nervously ponders the approaching fiscal cliff and the potential economic chaos it entails, President Barack Obama faces a precipice of his own in the challenge of making use of his re-election victory. Unless he emerges from this, the last major crisis of his first term, with the appearance of political strength and skill in navigating it, he risks losing public confidence that he has the stuff to take the country where he wants it to go in his second term. More than the specific details of any deal with House Speaker John Boehner and his resistant Republican cohorts on taxes and spending, Mr. Obama needs to demonstrate more steel in confronting GOP obstructionism than he showed in the previous showdown over deficit reduction (Jules Witcover, 11/30).
Source: kaiserhealthnews.org

Straight Talk on Medicare: A Go

The two primary presidential candidates, President Barack Obama and former Massachusetts Gov. Mitt Romney, have both touted potential Medicare reforms, but in completely different ways. For President Obama, the Patient Protection and Affordable Care Act — the most significant healthcare legislation to come out of Washington, D.C., in years — serves as his blueprint for Medicare and the future of the U.S. healthcare system. There has been a lot of political rhetoric surrounding the PPACA, and most of it has centered on one figure: $716 billion. President Obama has said the PPACA saves $716 billion over the next decade from the Medicare program “by no longer overpaying insurance companies [and] by making sure we weren’t overpaying providers.” Mr. Romney, on the other hand, argues the healthcare law cuts $716 billion from the program by reducing rates “across the board.” Mr. Perez broke down the infamous $716 billion figure in the following way: As it stands, the PPACA would enact $517 billion in decreases to Medicare Part A (hospitals), $247 billion in decreases to Medicare Part B (medical insurance) and $48 billion in decreases to Medicare Part D (prescription drugs). Going a step further, hospitals and health systems will absorb $260 billion of the $716 billion in Medicare reductions, and there will be $56 billion in reductions to disproportionate share hospital payments from both Medicare and Medicaid. Other major reductions include $156 billion to Medicare Advantage insurers, which have been overpaid $282.6 billion since 1985, according to a recent study by Physicians for a National Health Program. For hospital and health system executives, the cuts within the PPACA will have major impacts, perhaps detrimental in some cases, Mr. Perez said. Although the promise of more Medicaid and commercially insured patients by 2014 is supposed to offset those reductions, the proposal has still been viewed has potentially damaging to hospital bottom lines in the near future. MedeAnalytics projected that these cuts will ramp up from $15 billion to $20 billion in 2013 to $30 billion to $35 billion in 2022. The result for hospitals? Almost a 9 percent across-the-board cut to Medicare reimbursement over the next decade. “These cuts will obviously lower profit margins for hospitals, and CMS’ chief actuary has concluded that up to 20 percent of hospitals could become unprofitable as a result,” Mr. Perez said, noting that hospitals’ Medicare margins have been negative on average since 2003. Furthermore, hospitals and health systems must wait to see whether the Budget Control Act of 2011’s sequestration will take effect Jan. 1. Hospitals and other providers will see a 2 percent Medicare payment reduction totaling $11.1 billion this upcoming year, due to the BCA, unless Congress passes new measures to prevent the cuts. Tripp Umbach, an economic consulting firm, released a report earlier this year showing that sequestration could result in 766,000 lost jobs within the hospital and healthcare industry by 2021. Mr. Perez said the already-negative margins for Medicare and the prospect of future Medicare cuts per the PPACA have already prompted several large providers to lay off employees or cut jobs through attrition. “If hospitals go out of business or continue to operate but under financial duress, it stands to reason that the availability and quality of care for Medicare beneficiaries could be impaired,” Mr. Perez said. Mr. Romney’s Medicare plan hinges on turning Medicare into a premium support system. Essentially, seniors will receive a fixed amount (also known as a defined contribution) to buy an insurance plan, and all insurance plans must offer coverage comparable to what Medicare provides today. However, Mr. Romney’s plan does not provide specifics on how this Medicare reform will impact payments to hospitals and health systems, nor does it cover other issues, such as: •    Will premium support payment adjustments be capped? •    Will Medicare benefits within the PPACA, such as closing the doughnut hole and expanding coverage of preventive care with no co-pays, be reinstated? •    Will traditional Medicare be subject to cuts after 2023?
Source: beckershospitalreview.com

Medicare increase could ding some in middle class

Obama administration officials say the proposal will help improve the financial stability of Medicare by reducing taxpayer subsidies for retirees who can afford to pay a bigger share of costs. Congressional Republicans agree with the president on this one, making it highly likely the idea will become law if there’s a budget deal this year.
Source: goerie.com

Daily Kos: Obama budget cuts Medicare benefits and provider payments

On the other hand, the proposals for seniors aren’t a positive move. At least Obama didn’t include the hike in the Medicare eligibility age that he had previously offered to Boehner, but what he does include could be another hit for seniors, on top of the chained CPI. Cutting out Medigap policies would increase out-of-pocket costs for seniors. Those costs have been steadily and steeply rising [pdf] for seniors already over the past two decades. Adding more means testing to the program (wealthier individuals already pay higher premiums for Part B, the part that covers physician services and supplies) shifts the program further from from universal coverage and opens it up to more and more means testing, and toward a stigmatized and politically vulnerable poverty program.
Source: dailykos.com

State Roundup: Medicaid Causes Budget Headache In Wash. State

Posted by:  :  Category: Medicare

"Every citizen should be a soldier. This was the case with the Greeks and Romans, and must be that of every free state." ` Thomas Jefferson. by eyewashdesign: A. GoldenMPR News: DFL’s Plan To Cut Health, Human Services Spending Comes As A Surprised With Minnesota House and Senate Democrats proposing $2 billion in new taxes to erase the budget deficit and spend more on schools, economic development and other state services, one area — health and human services — is getting left out. In fact, DFLers propose a spending cut. But some advocates for the poor say they can’t handle any more spending reductions. Democrats in the House and Senate want to cut $150 million in spending from health and human services programs. After education, health and human services is the second-largest portion of the state’s two-year budget at $11 billion in general fund spending. But it is increasing at a fast rate, and that worries DFL House Speaker Paul Thissen (Scheck, 3/21).
Source: kaiserhealthnews.org

Video: Medicaid Expansion 2014 — Washington State

White House Backs States’ Power To Cut Medicaid Payment Rates

I don’t know about payments in California but in Washington state Medicaid doesn’t cover the cost of providing care in a long term care facility. Without Medicare beds to provide some profit margin, a facility is going to be running in the red. In Oregon, one LTC facility (mixed Medicare and Medicaid) is closing (old, run-down, non-accessible building) and its beds are being transferred to a new facility in the same community BUT the new facility will only take Medicare and private-pay residents. The Medicaid residents have to find somewhere else to go. My guess is that this kind of transition will happen more frequently across the country as reduced payments put a squeeze on private companies trying to provide a positive return to their investors.
Source: californiahealthline.org

The Medicaid Expansion and Washington State Hospitals

The incentives for states to expand Medicaid are substantial.  People who enroll in expanded Medicaid will have their health care fully funded by the federal government in the first three years, slowly declining to 90 percent funding in 2020.  The state projects that expanding Medicaid could actually save state funds because people currently enrolled in Disability Lifeline and Basic Health would be totally federally funded.  Health coverage for these enrollees is currently paid half by the state government and half by the federal government, costing the state hundreds of millions of dollars.
Source: stateofreform.com

New Report Finds Cutting Social Security and Medicare Would Hurt Washington Small Business Owners

#6 I know you are a troll and all, but wtf? Stop drinking the Rush Limbaugh Kool-Aid and the vapors and cob webs may clear out of your brain. Anyway, if cutting Social Security was just a republican priority, I’d have nothing more to say. But unfortunately the main impetus right now in Washington DC for cutting Social Security is Barack Obama and his stubborn pursuit of a ‘Grand Bargain.’ I think there is a very big misconception out there among both dems and repubs about the president’s agenda. Cutting Social Security is a priority for him and has been from the very get-go. The sequester is just the latest tactic in pursuit of this policy and is intended to force liberal/progressive legislators to accept cuts to Social Security and Medicare as much as it is intended to force republicans to accept new revenue. This is third way, triangulation, new democrats, DLC all over again. And Wall Street is behind it all. So yea, republicans are amoral, greedy anti-American hypocrites. That much is obvious. Too bad the leadership of the democratic party ain’t much better, at least when it comes to protecting Social Security, Medicare, and Medicaid.
Source: thestranger.com

Patient Care Before Budget Cuts

As a nurse, I am looking forward to the time when everyone has insurance coverage because of Obamacare. I fought hard for that bill–knocked on doors, made phone calls and even went to the Supreme Court in Washington, DC to make my voice heard. We are now seeing the wonderful benefits of the law. This year Governor Inslee announced he would accept federal funds set aside to expand insurance to those without–thank goodness But Congressman Ryan and the extremists are again trying to take away the healthcare benefits. He has lost this fight time and again- the Supreme Court upheld the law and Americans rejected Congressman Ryan’s extreme ideas in the election. In Washington State and across the country, nurses want these extremists to stop trying to force their fringe views into law and focus on making this healthcare law work.
Source: seiu.org

A View From Washington: Our First CEO President

If you’ve been thinking that Obama is a Democratic President fighting for a historic compromise called the Grand Bargain for whatever reason, you do not understand what is actually happening. He is not a Democratic President, elected to defend the interests of the Democratic Party and reflect the values of the Democratic voters who put him in office. He is a CEO President. As such the way he looks at the world and reacts to it has nothing to do with the anything like the traditional left/right, Republican/Democrat faux fist fight. Once you accept that he is not concerned with the welfare of the Democratic Party or Democratic voters from now until the end of time, what he’s doing will make more sense to you.
Source: occupiedchicagotribune.org

Lawmakers must accept Medicaid expansion

We’re quickly approaching “budget time” in Olympia, and every proposal that comes out of the Legislature will undoubtedly utilize a tempting option called Medicaid expansion. While there are compelling reasons to support and oppose Medicaid expansion, it’s important for budget writers and the public to realize it is not a panacea.
Source: theolympian.com

States Choose Managed Care to Coordinate Medicare and Medicaid

When developing their demonstration projects, states can theoretically choose between managed care, called the capitated model, or a managed fee-for-service model in which the state handles the integration of Medicare and Medicaid benefits and receives a performance payment from CMS if it meets certain targets. But managed care is winning out—four of the five approved states proposed managed-care programs; Washington state opted for managed fee-for-service. Of the 21 other states that have proposed a duals demonstration, 14 chose managed care. Five decided to try managed fee-for-service, and two are testing both models.
Source: wordpress.com

Health overhaul opens treatment to more addicts

It has been six decades since doctors concluded that addiction was a disease that could be treated, but today the condition still dwells on the fringes of the medical community. Only 1 cent of every health care dollar in the United States goes toward addiction, and few alcoholics and drug addicts receive treatment. One huge barrier, according to many experts, has been a lack of health insurance.
Source: theolympian.com

Opinion: How Medicaid expansion harms patients

The proposed expansion would allow able-bodied working age adults with incomes under 138 percent of the federal poverty level to enroll in Medicaid. A significant fraction of able-bodied adults between 19 and 54 with incomes below 138 percent of the federal poverty level, the expansion group, consists of college students who already have private coverage. Medicaid already covers children and the disabled, so they aren’t included. The Colorado Indigent Care Program pays for medical care for acutely ill adults who need expensive care but cannot pay.
Source: healthpolicysolutions.org

New Postings on the Reed Smith Health Industry Washington Watch Blog : Health Industry Washington Watch

Regulatory Developments. Recent CMS regulations have addressed federal funding for Medicaid expansion under the Affordable Care Act, Health Insurance Exchange “Navigators,” electronic health record (EHR) donation protections, and oversight rules for accreditation organizations. Reed Smith has issued a special alert regarding recent CMS policies on hospital Part B inpatient billing. The IRS has published hospital community health needs assessment regulations, and a HRSA rule addresses reporting to the Healthcare Integrity and Protection Data Bank and the National Practitioner Data Bank.  
Source: healthindustrywashingtonwatch.com

Nebraska, Florida Contemplate Elements Of Health Law’s Medicaid Expansion

Posted by:  :  Category: Medicare

The Associated Press: Medicaid Backers Will Add Safeguards To Bill Supporters of a proposal to expand Medicaid in Nebraska said they’re willing to include cost safeguards within the bill, including a mandatory review of the program if its expenses were to skyrocket and a possible requirement that the state withdraw if the federal government fails to fund it as promised. Sen. Jeremy Nordquist of Omaha told The Associated Press that he and other lawmakers plan to float the idea Tuesday when they return to the Capitol for a long-awaited debate on Medicaid expansion (4/15).
Source: kaiserhealthnews.org

Video: Nebraska and Medicare Supplements

Medicaid Expansion in Rural Nebraska

The report finds that over 49,000 households under 65 in these rural legislative districts would qualify for LB 577’s new Medicaid initiative. This represents over 19 percent of the total households with residents under 65 in those districts. The greatest proportions of qualifying households exist in districts containing a mid-size city (Norfolk, District 19; Grand Island, District 35; and Kearney, District 37). However, most other legislative districts comprised entirely of rural cities, small towns and rural areas also have nearly 20 percent or over 20 percent of households that would qualify for the new Medicaid initiative under LB 577. The new Medicaid initiative that LB 577 would implement is provided for by provisions of the federal Affordable Care Act that passed in March 2010. Initially, the Act created a network of coverage options intended to create the opportunity for virtually all Americans to access health care coverage that would be affordable for their income and circumstance… Medicare for seniors; Medicaid for low-income children and the disabled; the new Medicaid initiative for working adults under 138 percent of federal poverty; and subsidies or tax incentives through health insurance exchanges for working adults from 138 to 400 percent of federal poverty. The Supreme Court decision last year, however, said that states could not be compelled to participate in the new Medicaid initiative, making that provision of the law voluntary. Nebraska’s participation in the new Medicaid initiative, therefore, requires passage of legislation such as LB 577.
Source: cfra.org

Obama’s Budget Keeps Doubling Down On IPAB

Obama’s Budget Lowers The Threshold For IPAB To Make Payment Changes To Medicare And Provides IPAB With “Additional Tools” To Control Spending. “To further moderate the rate of Medicare growth, this pro­posal would lower the target rate from the GDP per capita growth rate plus 1 percent to plus 0.5 percent. Additionally, the proposal would give IPAB additional tools like the ability to consider value-based benefit design.” (OMB, 2/13/12)
Source: nefrw.org

Nebraska launches Medicaid EHR Incentive Program

Nebraska launched their Medicaid Electronic Health Record (EHR) Incentive Program on May 7, 2012. This means that eligible professionals (EPs) and eligible hospitals in Nebraska can now complete their EHR Incentive Program registration. More information about the Medicaid EHR Incentive Program can be found on the Medicare and Medicaid EHR Incentive Program Basics page of the CMS EHR website.
Source: ehrintelligence.com

Nebraska hospitals brace for changes under federal healthcare law (AUDIO)

The federal health care law will expand the Medicaid rolls even if the state chooses not to extend Medicaid to those making up to 138% of the federal poverty level. Rieker estimates the new law will add 20,000 Nebraskans to the Medicaid rolls. If the state chooses to expand eligibility, the number added will increase by 107,000, according to Rieker.
Source: nebraskaradionetwork.com


Who Must Comply With the Affordable Care Act?  Large employers. Large employers are businesses with 50 or more full time or full-time equivalent  employees. A full-time employee has worked on average 30 hours a week.  Part-time employees, who work less than 30 hours a week, are counted as well. To calculate your full-time equivalent employees, add the number of hours part-time employees worked (include paid vacation, sick pay, holiday, layoff, jury duty, military leave, or leave of absence) in a month and divide that number by 120.  Your status as a large employee is based on your employment statistics for the previous year. For instance, you would consider the    average number of employees you had in 2013 to   determine whether you are a large employer in 2014. If you are a new company, reasonable expectations of  employment will govern this determination.
Source: goosmannlaw.com

President’s Proposed Budget Would Boost Mental Health Programs, Inspection of Imported Food and Drugs, Stabilize Medicare Pay to Physicians

Two changes to Medicare cost sharing reflect both policy and budget decisions. Inappropriate billing for home health services is more frequent when the services have not been preceded by an episode of inpatient care. In addition, the administration says, research has shown that beneficiaries with first-dollar or near-first-dollar coverage have little incentive to consider the cost of services. Therefore, beginning in 2017, some Medicare beneficiaries would be required to make “modest copayments” for home health services. In addition, a surcharge would be imposed on Medigap policies that provide first-dollar coverage in order to give beneficiaries an incentive to consider the cost of services. In order to direct Medicare dollars where they are most needed, the Part B deductible would be modified to reduce the subsidy for beneficiaries who have less financial need.
Source: wolterskluwerlb.com

New Nebraska Network:: Johanns Votes To End Medicare As We Know It

Now that would be interesting to know, since it didn’t get one Dem vote in either the House or Senate.  Bob probably thinks it doesn’t tax & spend enough, so he’d be against it before he’d vote for it.   At least the “Ryan plan” made an attempt at addressing the fiscal problems facing the country.  Not nearly enough IMHO but a start.  The President’s proposed budget just ignored all the fiscal issues period.   Cosmic Bob has already defined his position on fiscal matters…”if you aren’t for raising taxes, you’re part of the problem” sums it all up.  That’s probably the most honest thing he’s ever said while campaigning.  
Source: newnebraska.net

St. Luke’s, Easton Hospital in Pennsylvania Settle Medicare Overbilling Claims

Posted by:  :  Category: Medicare

Liver Transplant 1 by pennstatenewsSt. Luke’s University Health Network in Bethlehem, Pa., and Easton (Pa.) Hospital will pay nearly $1.5 million to resolve allegations they improperly overbilled Medicare, according to a Morning Call report. St. Luke’s will pay approximately $1.03 million to resolve the allegations, while Easton Hospital will pay approximately $455,000. St. Luke’s allegedly overbilled Medicare from 2002 through 2012 for evaluation and management services that were not billable under Medicare regulations. Easton Hospital faced similar allegations from 2004 through 2009. The allegations specifically pertain to a claim called “modifier 25,” which is to be used for same-day services for a patient only when the service is “significant, separately identifiable and above and beyond the usual preoperative and postoperative care associated with the procedure,” according to the report. In a statement, St. Luke’s said its alleged overbilling was the result of “significant confusion … as to when a modifier 25 should be used.”
Source: beckershospitalreview.com

Video: Understanding Medicare Supplement Insurance – Pennsylvania and New Jersey

Feds: ambulance company illegally billed Medicare $3.6M

According to the indictment, Mudrova and the others defrauded Medicare since September 2009 by recruiting dialysis treatment patients who were able to walk and could safely travel by other means, and therefore were not eligible for ambulance transportation under Medicare requirements.
Source: abc27.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

Best Willow Grove Pa Medicare plans

There are many cheap Medigap plans in Willow Grove Pa.  Medicare advantage plans are very popular in Pennsylvania but Medicare supplement plan F is well known in Willow Grove.  The best Medigap rates can be seen on Medigap list and if you list your zip code up top, in three easy steps you will find supplemental Medicare plans.  Willow Grove has Aetna Medicare plans as well as Blue Cross Medigap plans.  If you are a resident of Langhorne or Yardley Pa, you can see if Mutual of Omaha Medicare plan f is the best for you.  Supplements for Medicare A and B are important to look at if you are a baby boomer turning 65 or are a current senior looking for health insurance.
Source: medigaplist.com

State AARP president: Expand Medicaid in PA

Providing these men, women and families with the opportunity to get affordable health coverage by expanding Medicaid will change that bleak picture. In Pennsylvania alone, more than 90,000 residents ages 50 to 64 could qualify for health coverage under this expansion. A total of more than 500,000 uninsured residents would get health-care coverage under this plan — and again, there is no cost to the commonwealth for the first three years, and Pennsylvania will pay no more than 10 percent of the total cost of this expansion in the future. Pennsylvania taxpayers will also find savings after expanding Medicaid due in large part to a reduced need for other medical service programs that are currently paid for entirely by the state, such as mental-health services.
Source: goerie.com

Pa Medicare Gap Insurance

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Source: rediff.com

Appealing Medicare Denials of New Medical Technologies

In addition to filing reconsideration requests and supporting beneficiary challenges, Providers may appeal individual denied Medicare claims that are denied through the five-step Medicare appeal process (redetermination, reconsideration, ALJ, Medicare Appeals Council).  Providers or patients may also appeal denied claims through their insurer’s appeal process.  However, less than 10% of claims denied by commercial payers and less than 2% of claims denied by Medicare are appealed.  Every payer anticipates that most denied claims will not be appealed.  Nonetheless, reported statistics show that most parties that appeal denied claims up to the administrative law judge level are successful.  Thus, it behooves a provider or beneficiary to appeal the denied claim at least through the ALJ level.  Such claims are favorably reviewed even in the face of a non-coverage LCD because ALJ’s are not bound by a contractor’s LCD, although they must give deference to it.  This is particularly true when the LCD does not appear to reflect the literature or the consensus of medical opinion.
Source: wphealthcarenews.com

Arkansas Moving Forward With Plan to Accept Medicaid Expansion

Speaking of Obamacare, it looks like the Arkansas plan to accept its expansion of Medicaid coverage is on track. This is good news coming from a conservative state. I’m agnostic about whether their proposal to privatize delivery is a smart idea—probably not, since it will increase costs, though you never know—but it’s nice to see that it’s going forward one way or the other.
Source: motherjones.com

Castor Calls for Corbett to Reject Medicaid Plan

That’s from the article you linked, if you actually read it. You use statistics in a such a "liberal" way to reinforce your points, and in ways that aren’t really that accurate. The main problem is that you are suggestion the California is bankrupt because of their welfare programs, that’s just not correct. Cali is bankrupt for two main reasons, one because their pension program for State/Federal employees, and two because their property taxes are far below what they should be due to Prop 13. If they ditched Prop 13 and had a sensible property tax structure and forced the unions to restructure pension payments and salary ranges, they could easily dig themselves out of the hole. The problem is no one has the political will or clout to do this, despite repeated promises.
Source: patch.com

Ryan Takes to Pennsylvania to Push Medicare Message

Mr. Ryan was extrapolating from a 2010 report from Medicare’s Office of the Actuary. It analyzed the potential impact of lower premium supports paid to private companies that issue Medicare Advantage plans, popular alternatives to traditional Medicare with extra benefits such as gym memberships. To slow the growth of Medicare spending, the Affordable Care Act reduces support for the private plans, which Democrats consider inefficient. Beneficiaries would still be covered under traditional Medicare.
Source: nytimes.com

West Virginia Blue:: Capito Alone Votes for Partisan Cuts Slashing Medicare, Hurting WV

Posted by:  :  Category: Medicare

Rockefeller Introduces Legislation to Protect Almost 90,000 West Virginia Seniors and Reduce Deficit By $141.2 Billion by SenRockefellerI have nothing personal against Congresswoman Capito.  She is a nice lady.  On a slim sliver of issues, I think she is relatively moderate (she is Pro Choice for example).  She is also an establishment Republican that has in the past rebuked the Tea Party.  Now that the radicals control the GOP, however, she feels she needs to keep pace.  She is a calculating politician above all else and such strategic maneuvering in Washington often leaves West Virginia out in the cold.  Don’t take my word for it, just ask her Republican colleague from West Virginia’s First Congressional District.
Source: wvablue.com

Video: Vice President Joe Biden on Medicare – Blacksburg, VA

Survey on Social Security, Medicare, Virginia

"The share of the budget going to entitlements has to slow down. Everybody has to give a little bit, the sooner the better, to go after the problem," said retired foreign service officer Stephen Brundage, 61, of Arlington, expressing a view shared by many Virginians.
Source: aarp.org

Insurance trainer publishes informational Medicare book

Available in paperback on Amazon.com (also for Kindle) and through the Barnes and Noble website, the 80-page book covers topics such as Parts A, B, C and D, long-term care, COBRA, TRICARE, veterans prescription drug programs, employers and union prescription drug plans, Medicaid, the Federal Employees Health Benefits (FEHB) program, and other topics.
Source: ifawebnews.com

‘Remarkably Friendly’ Hearing For Acting Medicare Chief

MARY AGNES CAREY: They’ve known each other a long time, and he explained how they met when he was first in the Virginia House of Delegates, and he talked about what a great job that Marilyn Tavenner has done – not only as a nurse but as a hospital administrator. She ran Virginia’s Department of Health and Human Resources. He expressed his confidence in her and talked about her qualifications. At the end of his remarks, which I thought was very interesting, he said to Republicans: Look, I don’t care for the 2010 law, I don’t support the ACA, but I support Marilyn Tavenner.
Source: kaiserhealthnews.org

Terry McAuliffe Linked To Doctor At Center Of FBI Investigations Into Underage Hookers And Medicare Fraud

FBI agents raided Melgen’s West Palm Beach office Tuesday night, apparently seeking records related to the second investigation, one involving possible Medicare fraud. The feds continued to search the premises on Wednesday, joined by agents from the U.S. Department of Health and Human Services, suggesting that the raid was linked to Medicare.
Source: wordpress.com

Article > Medicare drug rebate bills enter US Congress

“In Medicare Part D, as in the broader market for prescription drugs, large and powerful private insurers and pharmacy benefit managers negotiate discounts and rebates. Some of these purchasers represent total patient populations equal in size to the population of some European G-8 countries, and also negotiate on behalf of private employers and the Federal Employee Health Benefit Program (FEHBP),” Matthew Bennett senior vice president at the Pharmaceutical Research and Manufacturers of America (PhRMA), pointed out. The competition between health plans in Part D is the secret to its ability to offer beneficiaries broad choice and high enrollee satisfaction at an affordable premium and, as a result, prescription drug costs in Part D are hundreds of billions of dollars less than projected, he said. “The fact is that Part D is working for seniors and taxpayers. It has greatly achieved seniors’ access to medicines, held down premiums, achieved billions of dollars of savings on other Medicare costs by improving health, and cost hundreds of billions of dollars less than projected,” said Mr Bennett. In contrast, he went on, the Democrats’ proposed legislation “would bring higher premiums and co-pays, more restricted access to medicines for seniors and Americans with disabilities, and diminished research on the next generation of medicines.”
Source: pharmatimes.com

Daily Kos: Virginia Democrats showing how to negotiate on Medicaid

Democrats in the Virginia state Senate are making the best use of the fact that they have half the seats in the chamber, even though they’re in the minority in full legislature. They’re hanging tough on approving Gov. Bob McDonnell’s budget in return for Medicaid expansion. Democrats were emboldened in this effort after a controversial attempt by Senate Republicans to jam a mid-decade gerrymandering plan through the state legislature on the day of President Obama’s second inauguration. That effort failed in the House earlier this week, but only after Democrats had coalesced around a plan to use the state budget as leverage to expedite the Medicaid expansion.
Source: dailykos.com

Drug Savings Act Would Strengthen Medicare Without Harming Beneficiaries

Posted by:  :  Category: Medicare

Tree by TimothyJImplementing Medicare drug rebates is not new law. Upon passage of the Medicare Modernization Act (MMA), millions of older adults and people with disabilities gained access to prescription drug coverage through private plans approved by the federal government, known as Medicare Part D. At the same time, the MMA severely limited the tools available to the federal government to control spending on pharmaceutical drugs in Medicare. In particular, the MMA eliminated rebates offered by pharmaceutical manufacturers for drugs provided to beneficiaries dually eligible for Medicare and Medicaid. Applying Medicaid-level rebates to Medicare drugs simply restores a practice that existed for dually eligible beneficiaries prior to the passage of the MMA.
Source: workingamerica.org

Video: Medicare 101 – Top Things Regarding Medicare Part D Prescription Drug Plans

AARP Supports Legislation to Require Drug Manufacturers to Provide Rebates to Medicare Part D Beneficiaries

AARP is a nonprofit, nonpartisan organization, with a membership of more than 37 million, that helps people turn their goals and dreams into real possibilities, strengthens communities and fights for the issues that matter most to families such as healthcare, employment and income security, retirement planning, affordable utilities and protection from financial abuse. We advocate for individuals in the marketplace by selecting products and services of high quality and value to carry the AARP name as well as help our members obtain discounts on a wide range of products, travel, and services.  A trusted source for lifestyle tips, news and educational information, AARP produces AARP The Magazine, the world’s largest circulation magazine; AARP Bulletin; www.aarp.org; AARP TV & Radio; AARP Books; and AARP en Español, a bilingual news source.  AARP does not endorse candidates for public office or make contributions to political campaigns or candidates.  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

Five Ways The President’s Budget Would Change Medicare

Provider Cuts: Hospitals are none too happy about Obama’s plans to cut their Medicare payments for bad debt and graduate medical education over the next decade. Medicare now pays hospitals 65 percent of debts resulting from beneficiaries’ non-payment of deductibles and co-insurance after providers have made reasonable efforts to collect the money. Starting in 2014, the president’s plan would decrease that amount to 25 percent over three years, which the administration says would be closer to private payers that typically pay nothing on bad debt. The reductions would be in addition to those hospitals and other providers face as part of the 2010 health law.
Source: kaiserhealthnews.org

Medicare Chief Queried on Medicare Part D Preferred Pharmacy Plans

In recent months, significant questions have been mounting regarding preferred pharmacy plans in the Medicare Part D drug benefit. They have been expressed by patients, community pharmacists (including NCPA), 30+ Members of Congress and a key congressional advisory panel known as the Medicare Payment Advisory Commission. Most recently, they played out at a U.S. Senate Finance Committee hearing April 9 concerning the nomination of Marilyn Tavenner to be the Administrator for the U.S. Centers for Medicare & Medicaid Services (CMS), the agency that runs Medicare.
Source: wordpress.com

Article > Medicare drug rebate bills enter US Congress

“In Medicare Part D, as in the broader market for prescription drugs, large and powerful private insurers and pharmacy benefit managers negotiate discounts and rebates. Some of these purchasers represent total patient populations equal in size to the population of some European G-8 countries, and also negotiate on behalf of private employers and the Federal Employee Health Benefit Program (FEHBP),” Matthew Bennett senior vice president at the Pharmaceutical Research and Manufacturers of America (PhRMA), pointed out. The competition between health plans in Part D is the secret to its ability to offer beneficiaries broad choice and high enrollee satisfaction at an affordable premium and, as a result, prescription drug costs in Part D are hundreds of billions of dollars less than projected, he said. “The fact is that Part D is working for seniors and taxpayers. It has greatly achieved seniors’ access to medicines, held down premiums, achieved billions of dollars of savings on other Medicare costs by improving health, and cost hundreds of billions of dollars less than projected,” said Mr Bennett. In contrast, he went on, the Democrats’ proposed legislation “would bring higher premiums and co-pays, more restricted access to medicines for seniors and Americans with disabilities, and diminished research on the next generation of medicines.”
Source: pharmatimes.com

Promoting Greater Value for Enrollees in Medicare Advantage and Drug Plans

New limits on overhead and profits for health plans in Medicare Advantage and Medicare drug plans will increase value for the over 14 million seniors and persons with disabilities enrolled in Medicare Advantage and over 35 million Medicare beneficiaries in drug plans offered by private insurance companies.  This step is part of the Affordable Care Act’s efforts to ensure that consumers get the most health care for their dollars.  Last year, we issued a rule to make sure that insurance companies generally spend at least 80 percent of the premiums paid by consumers in private health plans on health care or activities that improve health care quality, instead of paying for administrative costs or overhead.  Today’s proposal for people with Medicare is similar to last year’s rule benefiting consumers in the private health insurance market.
Source: cms.gov

Proposed Rule Imposes Spending Ratio on Insurers in Medicare Contracts

Health insurers who fail to establish a MLR of .85 may have to pay CMS a “remittance” fee under the proposed rule.  The remittance fee would be based on the difference between 85 percent of the total revenue and the contract’s actual ratio spent on direct benefits, multiplied by the contract’s annual revenue.  If a contract fails to meet the .85 MLR requirement for three years in a row, CMS will stop permitting Medicare beneficiaries to enroll in any plan covered under the contract for a year.  CMS will terminate a contract if it continues to miss the requirement for five consecutive years.
Source: upenn.edu

5 Keys to Running a Successful Medicare Advantage/Prescription Drug Plan Secret Shopper Compliance Program

4. Maintain the appropriate internal resources to manage a compliance program Typically compliance/mystery shopping programs start with the best intentions. There are people to spearhead the project and get it up and running. Resources are budgeted and available. Then things get busy, and the project can easily be put on the backburner. Even once the program is up and running, it’s important to have dedicated resources to review and disseminate the information. Much of the data that we collect is actionable, as well as somewhat perishable. During AEP season when call volumes spike, and sales agents hold events and appointments in short succession from one another, it’s especially important to have a plan in place to quickly share information and take corrective action. This allows you to ensure that the same mistakes are not made over and over. Having a dedicated point person to assist in the management of both corrective action as well as positive reinforcement goes a long way in maximizing the value of the program.
Source: blogtrendsource.com

States Move to Coordinate Care for Medicare, Medicaid

Posted by:  :  Category: Medicare

Budget vs Budget by boris.rasinMany duals need care for acute and chronic physical and mental health conditions and frequently need Long-Term Services and Supports for both. There is a need to integrate care across multiple delivery systems subject to different requirements of two major payers—Medicaid and Medicare. Duals frequently have to navigate a complicated (and costly) system with few incentives for providers or programs to coordinate care.
Source: aarp.org

Video: Medicare vs Medicaid

8 Recent Medicare, Medicaid Issues

Here are eight issues dealing with Medicare or Medicaid that occurred in the past week, starting with the most recent. 1. President Barack Obama released his budget proposal for the federal government’s 2014 fiscal year, and the budget included roughly $400 billion in Medicare cuts over the next decade. 2. Illinois Department of Health and Family Services Director Julie Hamos, who oversees the state Medicaid program, said there may not be enough physicians to take care of the newly insured. 3. CMS Acting Administrator Marilyn Tavenner went before the Senate Finance Committee, and senators who conducted the hearing said they expect to vote on her appointment as early next week. 4. A report from Moody’s Investors Service said the 2 percent Medicare cuts from sequestration will further impair the “already challenging operating environment” of hospitals, physician practices and other healthcare organizations. 5. Indiana and Ohio lawmakers have blocked bills to expand Medicaid in both states. 6. Maine officials debated how to pay off $484 million in Medicaid debt owed to its 39 hospitals. 7. In an effort to reduce administrative burdens on hospitals and other providers, CMS reduced the minimum medical record requests from Medicare Recovery Auditors — formerly known as Recovery Audit Contractors, or RACs. 8. A report from the Safety Net Hospital Alliance of Florida found if the state Senate goes through with its plan to change how hospitals are reimbursed for providing Medicaid care, non-profit safety-net hospitals could lose tens of millions of dollars to for-profit hospitals.
Source: beckershospitalreview.com

Boomers, Elders, and More Series: Medicare vs. Medicaid

We all know Medicare is health insurance for those 65 and older or disabled, but do we know what Medicaid is? Does the state make you sell your house if you go on Medicaid? Does everyone who goes into a nursing home qualify for Medicaid?
Source: vanderbilt.edu

Medicare and Medicaid: What’s the Difference?

Medicare is health insurance for the elderly. Most individuals over the age of 65 are eligible for this program, as well as those with kidney failure and who are on Social Security disability. Medicare is based on entitlement based on the Social Security taxed paid in by an individual or their spouse. The goal of Medicare is to provide supplemental insurance coverage for individuals in their retirement age who are more likely to have substantial medical payments.
Source: wiasg.com

Medicaid v. Medicare payment rates

ACA Affordable Care Act Amendment One Balancing the budget is a progressive priority budget deficit cadillac tax cbo Charles Blahous CLASS Act college tuition cost effectiveness debt ceiling debt limit deficit dual eligibles end of life fiscal commission health care costs health reform hospice Hospice/Palliative Care individual mandate IPAB Long Term Care Long Term Care Insurance Medicaid Medicaid expansion Medicare Medicare Advantage National Flood Insurance Program Negotiated Rulemaking NHS On The Record Patients’ Choice Act Paul Ryan premium support rationing RWJF smoking smoking cessation social cost of smoking Social Security Super Committee tax reform The cost of smoking
Source: wordpress.com

Research Roundup: Hospitals Will Benefit From Medicaid Expansion; Medicare’s Rising Costs

Urban Institute/Robert Wood Johnson Foundation: Uninsured Veterans And Family Members: State And National Estimates Of Expanded Medicaid Eligibility Under The ACA – According to the authors, just over a half million U.S. veterans have incomes below 138 percent of the federal poverty level (FPL), making them eligible for Medicaid coverage under the efforts of the health law to expand Medicaid. But that expansion is voluntary for states and many have expressed reluctance to go along, even though the federal government will pay the total cost of the additional beneficiaries in the beginning of the program. In states that do not expand, residents with incomes between 100 and 138 percent of the FPL could still get help through federal tax subsidies to buy private policies on the exchanges, or insurance marketplaces, being set up in each state. “Most of these uninsured—414,000 veterans and 113,000 spouses—have incomes below 100 percent of FPL, and will therefore only have new coverage options under the ACA if their state expands Medicaid,” the authors write. “However, fewer than half live in states in which the governor supports their state participating in the expansion, while the majority live in states that have chosen not to expand Medicaid or have not yet decided whether to expand.” The authors conclude that “as is the case for the rest of the nonelderly uninsured, the Medicaid expansion could help address coverage gaps for veterans and their family members in many states” (Haley and Kenny, 3/25).
Source: kaiserhealthnews.org

Health Net Awarded Arizona Medicaid Contract

Posted by:  :  Category: Medicare

Barack Obama on Social Security (photo by Transplanted Mountaineer (Flickr) by Been Buddy LongwayHealth Net, Inc. and its representatives may from time to time make written and oral forward-looking statements within the meaning of the Private Securities Litigation Reform Act (“PSLRA”) of 1995, including statements in this and other press releases, in presentations, filings with the Securities and Exchange Commission (“SEC”), reports to stockholders and in meetings with investors and analysts. All statements in this press release, other than statements of historical information provided herein, may be deemed to be forward-looking statements and as such are intended to be covered by the safe harbor for “forward-looking statements” provided by PSLRA. These statements are based on management’s analysis, judgment, belief and expectation only as of the date hereof, and are subject to changes in circumstances and a number of risks and uncertainties. Without limiting the foregoing, statements including the words “believes,” “anticipates,” “plans,” “expects,” “may,” “should,” “could,” “estimate,” “intend,” “feels,” “will,” “projects” and other similar expressions are intended to identify forward-looking statements. Actual results could differ materially from those expressed in, or implied or projected by the forward-looking information and statements due to, among other things, health care reform and other increased government participation in and regulation of health benefits and managed care operations, including the ultimate impact of the Affordable Care Act, which could materially adversely affect Health Net’s financial condition, results of operations and cash flows through, among other things, reduced revenues, new taxes, expanded liability, and increased costs (including medical, administrative, technology or other costs), or require changes to the ways in which Health Net does business; rising health care costs; continued slow economic growth or a further decline in the economy; negative prior period claims reserve developments; trends in medical care ratios; membership declines; unexpected utilization patterns or unexpectedly severe or widespread illnesses; rate cuts and other risks and uncertainties affecting Health Net’s Medicare or Medicaid businesses; Health Net’s ability to successfully participate in the duals demonstration; litigation costs; regulatory issues with federal and state agencies including, but not limited to, the California Department of Managed Health Care, the Centers for Medicare & Medicaid Services, the Office of Civil Rights of the U.S. Department of Health and Human Services and state departments of insurance; operational issues; failure to effectively oversee our third-party vendors; noncompliance by Health Net or Health Net’s business associates with any privacy laws or any security breach involving the misappropriation, loss or other unauthorized use or disclosure of confidential information; liabilities incurred in connection with Health Net’s divested operations; impairment of Health Net’s goodwill or other intangible assets; investment portfolio impairment charges; volatility in the financial markets; and general business and market conditions. Additional factors that could cause actual results to differ materially from those reflected in the forward-looking statements include, but are not limited to, the risks discussed in the “Risk Factors” section included within Health Net’s most recent Annual Report on Form 10-K and the other risks discussed in Health Net’s filings with the SEC. Readers are cautioned not to place undue reliance on these forward-looking statements. Except as may be required by law, Health Net undertakes no obligation to address or publicly update any forward-looking statements to reflect events or circumstances that arise after the date of this release.
Source: dailyfinance.com

Video: Health Net Medicare Advantage – Compare to over 180 Compani

Obama’s Budget Expected To Call For Medicare Cuts

California Healthline: Healthy Families Savings Goes From $13M To $137K At a legislative hearing yesterday, state officials said the estimates for savings have been reduced for the Healthy Families transition to Medi-Cal managed care. According to the Legislative Analyst’s Office, the original estimated general fund savings for the Healthy Families transition was $13.1 million in 2012-13. The estimate has shrunk to $137,000. Savings for next fiscal year — 2013-14 — were estimated at $52 million and that estimate has been revised to $43 million. Scott Ogus, who represented the Department of Finance at yesterday’s hearing, said there were several factors contributing to the revision. Delays in implementation by the Department of Health Care Services led to caseload changes. DHCS officials have said the department slowed down some of the early phases of the transition so children would have less disruption in continuity of care (Gorn, 4/5).
Source: kaiserhealthnews.org

Decrease Increasing Medicare Costs with Healthnet Medicare Arizona

Healthnet medicare arizona also helps you cover your medications. The more medication that you are on, the more money you will need to pay for these medications. The cost of medications keeps increasing, and since you need them, each month you will have a fixed cost for your medications. The only way to change a fixed cost is to change find a new provider for the medications or by enrolling into a new health plan that will help you reduce your monthly payments. By enrolling in healthnet medicare Arizona, you can save money on these medications and thus increase your discretionary income for each month. For example, if you make $3,000 a month and $400 of it goes to medications, then you enroll in healthnet medicare arizona, and your medication cost is decreased to $20 a month, you would increase your monthly discretionary income by $380. So, that is $380 that you can use on anything else you want instead of the medications that you need to live a healthy life.
Source: millionboatfloat.org

NewsDaily: Sector Snap: Health insurers down on United report

The nation’s largest health insurer said its first-quarter net income sank 14 percent as medical expenses rose. It also said the automatic federal budget cuts, which will hit the government’s Medicare program for the elderly and disabled people, will make it harder for the company to reach the top end of its annual revenue guidance.
Source: newsdaily.com

Prescription for Medicare: take more drugs and call me next decade

anniversary. I remember the debates, the efforts towards passage and the engagement with various groups to assure seniors enrolled – we weren’t sure they would – like it was yesterday! It wasn’t a love fest back then. Nearly everyone found something disagreeable in the idea. It was complicated and, oh, that doughnut hole….
Source: disruptivewomen.net

Top 15 Hospitals Most Exposed to Medicare

Hospitals that rely disproportionately on Medicare patients for revenue may find themselves in a tougher bind over the next several years, as sequestration has started siphoning 2 percent of all Medicare funds. Moody’s Investors Service recently released a report, indicating that sequestration will worsen the “already challenging operating environment” of the non-profit hospital sector. Within the report, Moody’s analysts listed the top 15 hospitals and health systems in its rated portfolio that have the highest Medicare mix as a percentage of their gross revenue. Moody’s does not plan to downgrade the hospitals, but the ratings agency “will monitor the ultimate credit impact on them.” Moody’s found that most of the providers are from states, such as Florida, with larger retirement communities. Here are the 15 hospitals and health systems that are most exposed to Medicare in Moody’s portfolio.
Source: beckershospitalreview.com

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 – 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

Medicare Supplement Enrollment Periods

The best time for a Medicare beneficiary to enroll in Medicare Supplement insurance is during the Medicare Supplement Open Enrollment Period (OEP), which differs for each individual. This is a six month enrollment period that begins on the first day of the month that you are both 65 or older and enrolled in Medicare Part B. This six month period begins when you first enroll in Part B and may not be moved or changed. During this time, beneficiaries have the guaranteed issue right to a Medigap plan, meaning that insurance companies may not use medical underwriting to deny coverage or charge higher premiums to those who have any pre-existing conditions. If you do have a pre-existing condition, though, a Medigap plan may delay covering it.
Source: planprescriber.com

Medicare Supplement Plan F from Anthem Blue Cross Covers All of Your Health Care Needs

In addition to all of this, Plan “F” also has a foreign travel emergency benefit, which is useful for seniors on the go. If this sounds like a program that you would be interested in, find out more information today by calling the insurance agents at Benefit Packages. At Benefit Packages, we are an independent insurance agency that works with many different insurance companies. We can help you find the best Medicare supplement for your situation.
Source: benefitpackages.com

Enrolling in a Medicare Supplement Plan Can Protect Your Finances

PRLog (Press Release) – Apr. 9, 2013 – VERO BEACH, Fla. — Medicare Advantage, (Part C) plans are run by private insurance companies who have a contract with Medicare to handle members’ benefits and claims. Original Medicare, Part A (hospital) and Part B (doctors and outpatient services) only covers about 80% of these costs. There are annual deductibles, copayment and coinsurance for both parts and there is no coverage for prescription drugs. The most popular Medicare Advantage plans are HMOs and PPOs, including Regional PPOs which have multi-county networks of medical providers:,doctors, hospitals, outpatient services, dentists, pharmacies,etc. and there are rules to follow about where you can obtain your care. HMO’s do not have out-of-network coverage, and they usually require referrals by the primary care physcian to specialists. PPO’s allow out-of-network services, at a higher copay, and they don’t require referrals to a specialist. Medicare Advantage plans often have low premiums- as well as “0” Monthly premium plans, in some areas. The plans usually include additional benefits such as dental, hearing and vision exams, wellness programs, gym memberships and prescription drug coverage. Finally, there are no health questions to join. All Medicare beneficiaries, including people on Medicare, due to disability, are guaranteed acceptance. The only exception is a person with End Stage Renal Disease. For free assistance with plan comparisons, selection and enrollment, contact Florida licensed, Medicare Agent Renee Lempert, www.floridaseniorsinsurance.com. Disclaimer: Not Affiliated with the US Government or the Federal Medicare program.
Source: prlog.org

Perform Getting The Extremely Medicare Supplement Results In

Another aspect of policy coverage for Medigap Plans is the first three pints of blood. This is paid for in all plans, but in intend K it is up to 50 percent, and plan S is up to 75 percent. This is true for the hospital deductible befit. The Skilled The nursing profession Facility daily coinsurance covers a specific amount per day for the 21-100 of an individual benefit period. This is a benefit of plans K through L. For plan K and L, it can be 50 percent and as well as 75 percent correspondingly. The part B per year deductible is accessible for plans C, F and S.
Source: hi-see.org

How To Enroll In A Medicare Supplement Plan F Insurance Policy

Finally, be sure to review your coverage each year. All Medigap policies are subject to inflation, just like any other insurance. Most people will see an increase once a year, although some carriers also have “birthday increases,” which means the policy costs will increase slightly whenever your turn a year older. The good news is that you can always shop your policy when rates go up. It’s very easy to change insurance companies as long as you can pass the medical health underwriting. By shopping your policy annually, you can be sure to get the most out of your healthcare insurance dollars each and every year.
Source: return2writing.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 Supplement Insurance Plans

Medicare supplemental health insurance is the health insurance taken in addition to the Medicare insurance. Supplemental refers to the add-on nature of the insurance; it supports the Medicare insurance by paying for costs that are not covered by Medicare. These include charges such as deductibles, copayments and coinsurance. Because it helps pay for gaps in the cost and reimbursements of the Medicare insurance, it is also called Medigap insurance. Private health insurers offer supplemental insurance plans; the prices for the plans vary from one insurer to another even for the same plan. Finding out the right plan is important from two aspects: getting the right supplemental insurance plan for your requirements, and getting it at the lowest cost.
Source: allabout101.com

Have The Medicare Supplemental Health Insurance Policies ImmediatelyWorld Order of Forest Watchers

Acknowledge that there is in fact more to a new actual cost akin to Medicare than an initial premiums when it comes to Medicare Part An actual and B. You will have co-pays and subjected office visits to meet. This is where the different products in Medicare supplement insurances come straight to play. Medicare health insurance supplemental plans while policies help to cover deductible and additionally co-pays. Any single policy offers very different coverage options. You will yearn to determine exactly what policy will give good results best for your situation.
Source: forestwatch.org

Produce Information On Medicare Supplements First

A single aspect of plan for Medigap Plans is the first three pints of blood. This is obscured in all plans, but in schedule K it is up to 50 percent, and plan S is up so that you can 75 percent. This is likewise true for the hospital deductible befit. The Skilled Nurse Facility daily coinsurance covers a specific amount per day for the days 21-100 of each benefit period. This is one advantage of plans 3 through L. For plan I and L, it can be 50 percent moreover 75 percent respectively. The part B annual deductible is obtainable for plans C, F and K.
Source: europeanpeaceaction.org