www.mymedicare.gov Interactive Medicare Portal

Posted by:  :  Category: Medicare

GIMME SOME OF THAT GOOD 'OLE OBAMA DOUBLESPEAK by SS&SSwww.mymedicare.gov Interactive Medicare Portal Register for a MyMedicare.gov account  free and secure online Web site providing Medicare, Welcome to Medicare’s free, protected on the internet assistance for obtaining customized details regarding your Medical wellness insurance benefits and solutions. The MyMedicare.gov website, which is Medicare’s protected on the internet assistance allowing people, or maybe your current designee, to access your individual.Medical wellness insurance details, such as medical care claims, precautionary solutions, Medicare Summary Notices (MSNs), and more.The Centers for Medical wellness insurance & State medicaid programs Services, a division of the Department of Health insurance coverage Human Services , is the federal agency that runs the Medical wellness insurance Program and watches State medicaid programs programs offered by each state.
Source: blogspot.com

Video: Medicare Card Fraud: Protect Your Identity

Best ways to do business with Social Security : Frost Illustrated Newspaper

If you need to reach us by phone, you can call us toll-free at 1-800-772-1213. We treat all calls confidentially. We can answer specific questions from 7 a.m. to 7 p.m., Monday through Friday. Generally, you’ll have a shorter wait time if you call during the week after Tuesday. We can provide information by automated phone service 24 hours a day. (You can use our automated response system to tell us a new address or request a replacement Medicare card.) If you are deaf or hard of hearing, you may call our TTY number, 1-800-325-0778.
Source: frostillustrated.net

Identity Thieves Impersonating Medicare Employees

Fortunately, a few wary senior Texans immediately questioned the callers’ request. But increasingly savvy identity thieves are prepared and attempt to create the false impression that they already have the senior’s personal information. As proof, the callers often repeat some of the call recipient’s personal information such as name, address and telephone number. But because this information is easy to obtain, the caller’s verification effort is actually just a devious ruse that attempts to mimic the practices of legitimate enterprises – like a bank or insurance company – in an effort to steal the call recipient’s Social Security and bank account number.
Source: medbill.net

How To Order A Replacement Medicare Card Online

Also if you are getting Medicare or about to, you might want to start getting pro-active on keeping all your benefits. People not receiving Medicare do not want to pay for yours! Yes I know you paid for it. However it is crunch time for money for the government. I think if everyone just agreed to send them $10 more a month they might be okay and not have to fret it so much, but you know that if we all sent them $10, they would soon need 1,000. Our government does not know how to save!
Source: babyboomernewsletter.com

Scammers claim to help with new Medicare cards

By the end of the call, this consumer had turned over her bank account number to the caller, but was able to close her bank account before any money was stolen. A number of consumers have complained on different scam-tracking websites about receiving similar calls from this group.
Source: riverfallsjournal.com

Replacing Your Vital Documents

 – Go to the National Archives website for guidance on requesting personnel records for former federal civilian employees. Current federal workers can get personnel records from their human resources office.
Source: usa.gov

Medicare Advantage Plans: Are They For You?

To assist consumers, Medicare now rates Medicare Advantage programs using a star system. Using member satisfaction surveys and plan evaluations, plans are rated between one and five stars. In fact, at any time, you can switch into a five-star Medicare Advantage plan, but only if one is available in your region (only a few states have a five-star plan). Even if your area does not offer a top-rated plan, every state offers at least a four-star plan.
Source: figuide.com

How Do I Obtain A Replacement Medicare Card?

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

The ABCD’s of Medicare

Posted by:  :  Category: Medicare

319 | Tragedies of Medicine by The DoctrPart D Tip: Each year since 2010, the donut hole amount has been reduced by 10%. It will continue to go down 10% each year until it disappears in 2020. Then, you will only pay your normal 25% coinsurance after you reach your deductible. Coinsurance means Medicare pays 75%, you pay 25%. Since it’s 2012, and you still have a donut hole, the government has negotiated with brand name drug manufacturers to offer 50% off some prescriptions. Check with your local pharmacy to see if the discount applies to your medications.
Source: hoopayz.com

Video: Linda Meckler Medicare Parts ABCD.MP4

Understanding Medicare Part A, Part B, Part C and Part D

But as complicated as all that sounds, there’s a single key choice at the core of all your decision-making: Will you go with the Original Medicare plan, which is run by the federal government and consists of Parts A and B, or a Medicare Advantage plan (also called Part C) that is offered by a private insurer and approved by Medicare? Medicare Part A — Your Hospital Coverage When you apply to Medicare, you are automatically enrolled in the Part A plan. Part A is your hospital insurance plan. It covers nursing care and hospital stays, although not doctors’ fees. Part A also covers some home health services, skilled nursing care after a hospital stay and hospice care. You likely won’t have to pay a monthly premium for Medicare Part A, thanks in part to all the payroll taxes you paid while you were employed. You must, however, pay a yearly deductible before Medicare will cover any hospitalization costs. For 2011, the Part A deductible is $1,132.
Source: aarp.org

How Much Does Medicare Part D Cost?

Hello, I had ssi in 1997 to 2008 soc. Sec told me i wS working and hD been cut off before working. I never received a dime or med care or apied after i was cut off when i apied again i. 2008, due to denials, i went to court, and reinstated from time applied in 2008. They took money to be paid to them from 1997. From my back pay. I never once teceived one letter saying i wS on part d. I was td all benefits ceased at that time of cut. I paid my kaiser from work, and did without insurance and medical care when no insurance. Even had hospital events and medicare or no soc sec paid. Never even heRd fr
Source: seniorcorps.org

2012 Medicare Premiums, Deductibles and Co

Enrollees in Medicare Part D prescription drug plans pay premiums that vary from plan to plan.  Beginning in 2011, Part D enrollees whose incomes exceed the same thresholds that apply to higher income Part B enrollees must also pay a monthly adjustment amount. The regular plan premium will be paid to their Part D plan, and the income-related adjustment will be paid to Medicare.  The amounts by income level are below.
Source: medicareadvocacy.org

Ask The Experts: Retirement

A. It’s confusing to you because it’s confusing to everyone faced with that decision. Unfortunately, there isn’t any way to make it less confusing. You’ll have to consider your current and anticipated health care needs. Then you’ll need to review the pluses and minuses of your current plan and Medicare Part B to see if there’s anything to be gained by enrolling in Part B. Finally, you’ll need to look at some other FEHB plans with lower premium costs to see if they’ll provide you with what you need and want, while offsetting some of the cost of Part B.
Source: federaltimes.com

What’s The Difference Between Medicare And Medicaid?

Unlike Medicare, which is available to everyone, Medicaid has strict eligibility requirements. The rules vary by state (beyond the basics set forth in the federal guidelines), but the program is designed to help the poor, so many states require Medicaid recipients to have no more than a few thousand dollars in liquid assets to participate in the program. There are also income restrictions. For a state-by-state breakdown of eligibility requirements see these websites Benefits.gov and BenefitsCheckUp.org.
Source: investopedia.com

Arkansas Moving Forward With Plan to Accept Medicaid Expansion

Posted by:  :  Category: Medicare

Sign at Occupy St Pete: "Hands Off Social Security, Medicaid Medicare"  "www.SayNoCuts.org" by Fifth World ArtSpeaking 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

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

Chicago hospital hit with shocking Medicare and Medicaid fraud charges

Chicago has been hit with another shocking corruption scandal involving taxpayer money. Federal authorities have raided Sacred Heart Hospital on Chicago’s West Side after alleged crimes of medically unnecessary sedation, intubation and tracheotomy procedures on patients in an attempt to defraud Medicare and Medicaid.
Source: investmentwatchblog.com

Shocking Medicare and Medicaid fraud exposed at Illinois’ Sacred Heart Hospital

“Between January 2010 and February 2013, May allegedly received $74,000 in the form of 37 checks, for $2,000 each, disguised as ‘rental payments'; Moshiri, a podiatrist, allegedly received $86,000 in 38 checks pursuant to a purported contract to teach podiatry students; and Maitra allegedly received $68,000 in 34 checks pursuant to a purported teaching contract – and the $228,000 total in alleged kickbacks were all in exchange for their referral of patients to Sacred Heart, the charges allege.   “In a recorded conversation last month, Maitra allegedly explained to Administrator A that he used to make Novak ‘so much money’ performing almost daily penile implant procedures on patients, but that he no longer performed as many of those procedures because Medicare had decreased its rates of reimbursement for the procedure. Maitra did not comment on whether the patient need for the procedure had somehow changed, according to the affidavit.”   “On March 1, 2013, Administrator A recorded Novak stating that tracheotomies are Sacred Heart’s ‘biggest money maker’ and the hospital can make $160,000 for a tracheotomy if the patient stays 27 days. On March 7, 2013, the Intensive Care Unit case manager told Administrator A that she must often ‘stretch’ a tracheotomy patient’s stay to 28 days to maximize Medicare reimbursements ‘to make Novak happy.’”
Source: wordpress.com

Q and A: Medicare and Medicaid EHR Incentive Programs (Post 1 of 5)

Because most CMAs (AAMA) work under the direct supervision of “eligible professionals” (as defined in the rules of the Centers for Medicare and Medicaid Services [CMS]), this is the first of five upcoming posts focusing on some common questions surrounding the provisions of the Medicare and Medicaid Electronic Health Records (EHR) Incentive Program that are applicable to eligible professionals, not those provisions that are applicable to “eligible hospitals” and “critical access hospitals.”
Source: wordpress.com

Obama Budget Would Replace SGR Formula, Boost Medicaid, Mental Health

The Wall Street Journal’s Washington Wire: HHS Budget Aims To Boost Mental-Health Programs The Obama administration is proposing to increase spending for mental health programs and the children’s Head Start program while cutting funding for low-income energy assistance and community service grants. The 2014 budget for the Department of Health and Human Services released Wednesday totals $80.1 billion, about $4 billion above the enacted budget for fiscal year 2012. It calls for $1.5 billion for the government to build an insurance exchange that will allow certain Americans to shop for health insurance, HHS Secretary Kathleen Sebelius said Wednesday. The federal exchange is targeted to begin operating Oct. 1. and sell insurance coverage that kicks in Jan. 1 (Dooren and Burton, 4/10).
Source: kaiserhealthnews.org

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

Obama’s pick for Medicare and Medicaid finally gets a hearing

“Her skill in doing that [controlling costs] is a skill that’s very precisely matched with the need of the moment," Kaine said. "How to keep patient care first – because that’s her first attribute – but nevertheless wrestle with difficult cost control issues…Cost control is ultimately about health care access and Marilyn understands that.”
Source: mcclatchydc.com

New Report: CMS’ Proposed Medicare Advantage Cuts Will Result in Higher Costs, Fewer Benefits for Seniors

Posted by:  :  Category: Medicare

Benefit Security Card .. HALF of the U.S live in households that receive government benefits (26 May 2012) ...item 2.. Brevard man gets 4 years in Social Security fraud case (Jun 1, 2012 ) ... by marsmet481The new proposed payment cuts are in addition to the Medicare Advantage cuts and the new health insurance tax included in the Affordable Care Act (ACA).  Only four percent of the ACA’s $200 billion in Medicare Advantage cuts have gone into effect thus far, and the Congressional Budget Office projects that, when fully phased in, these cuts alone will result in three million fewer people enrolled in the program.  The ACA’s new health insurance tax starts in 2014, and Oliver Wyman previously estimated that this tax alone will result in seniors facing $220 in higher out-of-pocket costs and reduced benefits next year and $3,500 in additional costs over the next ten years.
Source: ahipcoverage.com

Video: 2010 Benefits – Peoples Health Medicare Advantage Plans

Changes in Medicare Supplement Plans Coming in 2010

Seniors are advised to review their Medicare plans to see if they will be effected by the changes or if they can get lower rates with the new plans. They may also wish to consider obtaining Medicare Part D to cover some costs of medications. Medicare Part D helps to reduce the cost of many medications, but may not be used in conjunction with some Medicare Plans. Therefore, it is recommended that all Medicare subscribers review their options with an advisor that can provide specific information and advice on a case-by-case basis to Medicare subscribers.
Source: allabout101.com

Is Medicare Holding Back on Us All the Available SEPs for People with VA Benefits ?

I signed up a man with VA benefits for a Med supp back in 10/12 to be effective 1/1/13.This guy was enrolled in a MAPD but was not going to take a stand alone part D for 2013 if he had to pay for it.I stressed to client the importance of calling carrier to dis enroll from the MAPD plan after he is approved for Med Supp since it won’t happen automatically because he wasn’t signing for a part D plan. Client said he called the carrier in November 2012 and requested to be dis enrolled but was not dis enrolled and didn’t find this out until March.I tell him the only possible way to reverse this is to call Medicare and have them escalate it. I was on the 3 way call today to Medicare with client today and call did get escalated to a Medicare benefits specialist who informed us that he can drop his MAPD plan any time because he has VA benefits and he dis enrolled him from the MAPD plan as 5/1/13. I was just being silent on the 3 way call and was only going to speak up if client said something that was going to implicate me in any wrong doing or if client left something out that was important when stating his case.I would have liked to have asked the Medicare specialist what that SEP code was he was using for people with VA benefits and if it’s good for enrolling and dis enrolling. It made me look dumb in front of client because I insisted there was not another way of getting him off the MAPD plan.I wish we could see the comprehensive list of SEPs that Medicare allows.I discovered that there are some SEPs listed on medicare.gov that are not in the carriers election code list.I had a referral from a dude that had got out of prison and at first i told him he can’t enroll until the AEP but found out on medicare.gov he was eligible for a SEP- change of residence. And why wouldn’t the carrier acknowledge or know about this SEP when client called in March to tell them he didn’t want to be on MAPD plan?
Source: insurance-forums.net

3.8% Medicare Tax that medicare will never see the proceeds

Filing Status                                                 Threshold Amount Married filing jointly                                                             $250,000 Married filing separately                                                       $125,000 Single                                                                                      $200,000 Head of household (with qualifying person)                      $200,000 Qualifying widow(er) with dependent child                       $250,000
Source: medicarebenefits.us

Rural Resources on Medicare Part D Prescription Drug Benefit Introduction

Medicare Part D is the prescription drug benefit added to Medicare in 2006. It was created through the Medicare Prescription Drug, Improvement, and Modernization Act of 2003 (MMA) and provides elderly and disabled people on Medicare access to prescription drug coverage from private prescription drug plans.
Source: raconline.org

Daily Kos: President Obama’s budget will include cuts to Social Security, Medicare

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Source: dailykos.com

Medicare Advantage 2010 Data Spotlight: Benefits and Cost

This data spotlight examines trends in benefits and cost-sharing for Medicare Advantage plans in 2010, including the wide variations found across plans and the rapid increase in cost sharing requirements for some benefits, including stays in skilled nursing facilities.  It also examines the annual limits on out-of-pocket spending set by most Medicare Advantage plans and the availability of coverage for drugs in the Medicare drug benefit’s coverage gap, or “doughnut hole.” This data spotlight is one in a series looking at the 2010 Medicare Advantage plan options and trends around the Medicare Advantage plan.  These spotlights were prepared by a team of researchers at Mathematica Policy Research Inc. and the Kaiser Family Foundation.
Source: kff.org

Reductions in Medicare Advantage Payments: Impact on Seniors

[35]This is slightly different conceptually from the elasticities explained in elementary economics textbooks. Those elasticities are typically the “price elasticity of supply” and the “price elasticity of demand,” which measure the effect of a change in price on either supply or demand in isolation from the other. The price elasticity of demand is the ratio of the percent change in the quantity demanded to the percentage change in the price, assuming the supply function stays the same. Likewise, the elasticity of supply assumes the demand function remains unchanged. However, this study follows the example of the CMS actuary and calculates a “benchmark elasticity of enrollment,” a combined elasticity that is the ratio of the percent change in the MA benchmark to the percent change in MA enrollment. This elasticity captures both the supply effect and the demand effect. The supply effect results from lower revenue to MA plan providers, and the demand effect results from MA plans having to provide less generous benefits.
Source: heritage.org

– When must I sign up for Medicare Part B?

Posted by:  :  Category: Medicare

OOPS I THINK THE SHINE IS OFF THE PEACH ...........IT'S ABOUT TIME by SS&SSQ. I am retired military, but an active state employee covered by the state health plan. Presently, Tricare is my secondary coverage. In August I will turn 65. I must sign up for Medicare. Because I am still covered by the state health plan, I have an option to sign up for Part A, maintain the state health plan as my primary coverage until I retire from the state, and then sign up for Part B upon that retirement without penalty or loss of coverage. My question comes in regard to Tricare for Life. There appears to be a similar Part B delay provision for anyone still on active duty when they turn 65 – they can delay signing up for Part B without penalty until they retire from the military. However, there does not seem to be any link between the two exceptions for military retirees. In other words, it appears I must sign up for Part B immediately before I retire from the state or lose my eligibility for Tricare for Life. Is that correct?
Source: militarytimes.com

Video: Medicare Enrollment | Medicare Sign Up | Apply for Medicare

– USFHP says I don’t have to sign up for Medicare; should I stick with them?

20/20/20 age appeal catastrophic cap child born out of wedlock claims continued care cost share death DEERS dental dependent disabled divorce doctor doctors FEHBP handbook health care reform hospital ID card marriage maternity care Medicare military treatment facilities other health insurance outside the U.S. parents Part A Part B pharmacy pre-existing condition pregnancy reserves secondary insurance social security spouse supplements surgery Tricare For Life Tricare Prime Tricare Standard Tricare Young Adult Program VA widow
Source: militarytimes.com

What is Medicare Part B Medical Insurance?

Eligible individuals can automatically be enrolled in Medicare Part B, along with their Part A coverage, when they turn age 65 or after receiving Social Security or Railroad Retirement Board disability benefits for 24 or more months if they are younger. A red, white, and blue Medicare card is automatically mailed to eligible beneficiaries three months before the month they become eligible for the program. However, Medicare Part B is a voluntary program and beneficiaries can follow the instructions that come with the card to refuse enrollment.
Source: ehealthmedicare.com

Medicare information for EBCI tribal members

If you are already getting Social Security retirement or disability benefits, you will be contacted a few months before you become eligible for Medicare and sent the information you need.  You will be enrolled in Medicare Parts A and B automatically.  However, because you must pay a premium for Part B coverage, you have the option of turning it down.
Source: theonefeather.com

Is Medicare Holding Back on Us All the Available SEPs for People with VA Benefits ?

I signed up a man with VA benefits for a Med supp back in 10/12 to be effective 1/1/13.This guy was enrolled in a MAPD but was not going to take a stand alone part D for 2013 if he had to pay for it.I stressed to client the importance of calling carrier to dis enroll from the MAPD plan after he is approved for Med Supp since it won’t happen automatically because he wasn’t signing for a part D plan. Client said he called the carrier in November 2012 and requested to be dis enrolled but was not dis enrolled and didn’t find this out until March.I tell him the only possible way to reverse this is to call Medicare and have them escalate it. I was on the 3 way call today to Medicare with client today and call did get escalated to a Medicare benefits specialist who informed us that he can drop his MAPD plan any time because he has VA benefits and he dis enrolled him from the MAPD plan as 5/1/13. I was just being silent on the 3 way call and was only going to speak up if client said something that was going to implicate me in any wrong doing or if client left something out that was important when stating his case.I would have liked to have asked the Medicare specialist what that SEP code was he was using for people with VA benefits and if it’s good for enrolling and dis enrolling. It made me look dumb in front of client because I insisted there was not another way of getting him off the MAPD plan.I wish we could see the comprehensive list of SEPs that Medicare allows.I discovered that there are some SEPs listed on medicare.gov that are not in the carriers election code list.I had a referral from a dude that had got out of prison and at first i told him he can’t enroll until the AEP but found out on medicare.gov he was eligible for a SEP- change of residence. And why wouldn’t the carrier acknowledge or know about this SEP when client called in March to tell them he didn’t want to be on MAPD plan?
Source: insurance-forums.net

Obama Budget Would Up Medicare Costs 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

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

Ask The Experts: Retirement

Exemptions to Penalty: Under certain conditions, select beneficiaries may be exempt from the delayed enrollment penalty. Beneficiaries who are exempt include working individuals (and their spouses) with group coverage, some military retirees, some international volunteers, and those who based their nonenrollment decision on incorrect information provided by a federal representative. Individuals who are permitted to delay enrollment have their own special enrollment periods (SEP). Current Workers: A working individual and/or the spouse of a working individual may be able to delay enrollment in Medicare Part B without being subject to the delayed enrollment penalty. Delayed enrollment is permitted when an individual 65 or over has group health insurance coverage based on the individual’s or spouse’s current employment (with an employer with 20 or more employees). About 1.5 million of the 2.7 working aged population are enrolled in Part A only, with most of the rest enrolled in both Parts A and B. Delayed enrollment is also permitted for certain disabled persons who have group health insurance coverage based on their own or a family member’s current employment with a large group health plan. For the disabled, a large group health plan is defined as one which covers 100 or more employees. Specifically, persons permitted to delay coverage without penalty are those persons whose Medicare benefits are determined under the Medicare secondary payer (MSP) program. Under MSP, an employer (with 20 or more employees) is required to offer workers aged 65 and over (and workers’ spouses aged 65 and over) the same group health insurance coverage that is made available to other employees. The worker has the option of accepting or rejecting the employer’s coverage. If he or she accepts the coverage, the employer plan is primary (i.e., pays benefits first) for the worker and/or spouse over age 65, and Medicare becomes the secondary payer (i.e., fills in the gaps in the employer plan, up to the limits of Medicare’s coverage). Similarly, a group health plan offered by an employer with 100 or more employees is the primary payer for its employees under 65 years of age, or their dependents, who are entitled to Medicare because of disability. Such individuals may sign up for Medicare Part B (or Part A) anytime that they (or their spouse) are still working, and they are covered by a group health plan through the employer or union based on that work. Additionally, those who qualify for Medicare based on age (i.e., over 65), may sign up during the 8-month period after employment or group health plan coverage ends, whichever happens first. Disabled individuals whose group plan is involuntarily terminated have six months to enroll without penalty.
Source: federaltimes.com

Give Medicare Locals a chance to improve health equity

Medicare Locals are a good idea, but at this point in time are being starved of funding and also appear to have very little engagement with local health care workers. They appear to have been started with to plan on how they were going to fit into the overall health system. If they are suppose to be assisting with Primary Care and providing co-ordination, I know in my area (Brisbane South) they are doing a very poor job. They have already had to restrict service to Mental Health Care through the ATAPs program. They have not come up with a solution for after-hours care, despite funding being withdrawn from General Practice in under 3 months. This funding is being directed to the local Medical Local and yet we still have no idea how much if any will be available. This makes planning your after-hours service very difficult. I hope in the long run they succeed because their is an urgent need for coordinated chronic disease service delivery, this is where in my humble opinion medical locals will be able to provide a good service. After the failed GP super clinics lets hope the medical locals can do a better job of assisting and coordinating primary Health care
Source: theconversation.com

Let’s Hear Together: Lack of Health Insurance Coverage for Hearing Aids

Posted by:  :  Category: Medicare

OBAMACARE WATCH: MORE DARKNESS THAN LIGHT AND OF COURSE TAXES AND PENALTYS by SS&SSYou may ask what about Medicaid and Medicare. Unfortunately, you are may not have much success here either. Medicare does not cover hearing aids. Ironically, Medicare is government funded health care for individuals who are 65 or older. Recent government studies stated that nearly half of all individuals over the age of 75 has a hearing loss and a majority of them rely on Medicare for health insurance. Medicaid often does cover hearing aids for children and some of qualified adults but each state differs in coverage. Medicaid is a government funded health care for individuals and families with low income typically at the poverty level.
Source: blogspot.com

Video: Older adults need hearing aid coverage!

Medigap Plans Guide on Humana’s Medicare Prescription Drugs Plan

Medicare supplement insurance fills up the disparity between the Original Medicare has to pay and what the beneficiaries must pay out of their pocket for deductibles, co-insurance and co-payments. Supplement policies only pay for the services that the Original Medicare approved as medically necessary and payments are commonly based on the approved charge. Some of the benefits offered by supplement policies does not exist on Original Medicare, such as emergency care outside the country. Medicare supplements insurance are being traded by private companies that have license and regulated by TDI. However the supplement benefits are aligned by the federal government. You can check more details on supplemental (http://apollo98012.jimdo.com/2013/04/03/about-medicare-suplemental-health-insurance-medicare-insurance-questions/) insurance at http://www.medigapplansguide.com
Source: precisiongastesting.com

Sound suggestions about buying a hearing aid

After you locate a provider, when you go in for your first visit you need to be prepared to discuss your lifestyle and hearing needs. For example: Do you just want to hear the TV, or other people speaking? Do you talk on the phone a lot? Do you need to hear in a lot of noisy places, like restaurants? Knowing your priorities will help your provider determine what style and hearing aid technology is best for you.
Source: pomeradonews.com

Straining to Hear and Fend Off Dementia

Other research, including the Framingham Heart Study, has found an association between hearing loss and another unexpected condition: cardiovascular disease. Again, the evidence suggests a common pathological cause. Dr. David R. Friedland, a professor of otolaryngology at the Medical College of Wisconsin in Milwaukee, hypothesized in a 2009 paper delivered at a conference that low-frequency loss could be an early indication that a patient has vascular problems: the inner ear is “so sensitive to blood flow” that any vascular abnormalities “could be noted earlier here than in other parts of the body.”
Source: nytimes.com

Does Medicare Supplemental Insurance Pay For Hearing Aids?

The Medicare insurance program available to those 65 and older is where the confusion starts. Medicare insurance is not all inclusive on in its own right, and includes several “parts” to which the applicant must decide which is best for them. These parts are listed and identified by letters that represent the coverage offered in each of these parts or plans. Seniors must decide which plan is most appropriate for them by looking at each individual plan to decide if the coverage optional available in that plan is required for their personal health situation. Clients that have reduced hearing capacity should pay special attention to Medicare Part B. The Part B plan clearly states that routine hearing exams and hearing aids are not covered under this plan except for specific diagnostic hearing exams and then if only ordered by your doctor.
Source: seniorcorps.org

Are Hearing Aids Covered By Medicare?

Most hearing problems are relatively easy to correct with hearing aids. The problem becomes that a large majority of the people that need the hearing aids are living on a fixed income and are unable to afford the $3,000 to $5,000 out of pocket. If medicare or medicaid would cover the hearing aids then these people would have the means to get them, resulting in a dramatic improvement in their quality of life. It is been proven over and over again that if you have a positive outlook on life and are happy then you are healthier. I wonder how much money would be saved on treatment of physical ailments if the insurance companies were to focus on improving peoples quality of life so that they are upbeat and happy. Providing hearing aids seems like an easy place to start.
Source: empowernetwork.com

Hearing Aids and Medicare

Medicare doesn’t cover the cost of a regular hearing exam, or one that’s conducted during yearly check-ups. However, Medicare does cover a diagnostic hearing exam, which is based on an actual medical need. Consumers can tell roughly what Medicare will or won’t cover by asking this question: “Is this service/product medically necessary?” If your answer is yes, then it’s likely it will be covered by one of the many aspects of Medicare.
Source: boomers-with-elderly-parents.com

Medicare Advantage – or DISAdvantage?

Following a 20-year career as a corporate insurance executive, Wendell Potter left his position as head of communications for Cigna in 2008 to advocate for comprehensive health care reform. He is now an analyst at the The Center for Public Integrity and president of Wendell Potter Consulting. He has also served as a consumer representative to the National Association of Insurance Commissioners. His book, Deadly Spin: An Insurance Company Insider Speaks Out on How Corporate PR Is Killing Health Care and Deceiving Americans, was awarded the Ridenhour Book Prize for “outstanding work of social significance” in 2011. Previously, he wrote A helping hand for Marsha Blackburn and  Want to fix health care? Watch this movie. for the Health Insurance Resource Center Blog.
Source: healthinsurance.org

Sequestration, Medicare & Michigan hospitals

Posted by:  :  Category: Medicare

32.Detroit by Tomato GeezerLaura Appel is the vice president for federal policy and advocacy with the Michigan Health and Hospital Association.  She says sequestration would add up to tens of millions of dollars a year in loss reimbursements to Michigan hospitals. 
Source: michiganradio.org

Video: Michigan Medicare

Michigan House and Senate reject Medicaid expansion

Yesterday the Republican-controlled Michigan House and Senate passed budget bills that rejected the expansion of Medicaid in our state. The impact of this is that hundreds of thousands of working poor Michiganders will continue to go without adequate health care coverage, saving the state exactly nothing. In fact, we will still pay into the program but the only states to benefit will be those that wisely chose to expand Medicaid. In other fact, we actually will be in the hole by $200 million a year which will need to come out of other programs like, you know, food assistance for the poor and stuff.
Source: eclectablog.com

Michigan Medicare Supplement Plan A

What is covered?  Benefits include Medicare Part A Coinsurance and Coverage for Hospital Benefits, Medicare Part B Coinsurance or Copayment, Blood (First Three Pints), Hospice Care Coinsurance or Copayment, and/but that is it.  As you can see again, the benefits are very small.
Source: cheapinsuranceinmichigan.com

Michigan panels reject governor’s Medicaid expansion

Backers of expansion also say it would avoid an unintended consequence where thousands of low-income earners could neither enroll in Medicaid nor qualify for subsidized premiums when buying private insurance in a new online marketplace created by the federal health law. A recent study by Jackson Hewitt Tax Service said if Medicaid is not expanded, Michigan employers could pay $54 million to $81 million in annual penalties if certain employees purchase a government-subsidized plan.
Source: dailytribune.com

Detroit Medical Center To Lay Off 300 Amid Federal Cuts

TM and © Copyright 2013 CBS Radio Inc. and its relevant subsidiaries. CBS RADIO and EYE Logo TM and Copyright 2013 CBS Broadcasting Inc. Used under license. All Rights Reserved. This material may not be published, broadcast, rewritten, or redistributed. The Associated Press contributed to this report.
Source: cbslocal.com

Penalties Spur Hospitals to Slow Revolving Door

“Some changes at nursing homes included a push to hire more nurses, educate them more, keep an eye on diagnosis and, if necessary, ask doctors to see patients within 24 hours,” Thwainey said. “Heart failure and COPD (chronic obstructive pulmonary disease) patients need to be evaluated more often” to prevent readmission or emergency.
Source: asq.org

MICHIGAN DISTRICT COURT HOLDS THAT MEDICAL PROVIDERS CAN BRING MSP PRIVATE ENFORCEMENT ACTIONS WHEN INSURER DENIES COVERAGE

, 656 F.3d 277 (6th Cir. 2011), which held that a health care service provider may bring a private action to enforce the MSP Act before a court or other adjudicative body has determined whether or not the insurer/primary payer is liable for the medical charges incurred. This means that where an insurance carrier refuses to cover a Medicare beneficiary’s bills for medical services rendered by a medical provider, the medical provider can sue the insurance carrier seeking double damages even when no determination has been made that the insurance carrier was liable for the beneficiary’s medical treatment.
Source: themedicarespa.com

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

Posted by:  :  Category: Medicare

Medicare for All by juhansoninThe 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: Kaiser Medicare Part D Insurance – Compare to over 180 Comp

Daily Kos: Kaiser report details Medicare options

Medicare cost sharing is relatively high and, unlike most private health insurance policies, Medicare does not place an annual limit on the costs that people with Medicare pay out of their own pockets. Many Medicare beneficiaries have supplemental coverage to help pay for these costs, but with half of beneficiaries having an annual income of $22,500 or less in 2012, out-of-pocket spending represents a considerable financial burden for many people with Medicare.Cost sharing and premiums for Part B and Part D have consumed a larger share of average Social Security benefits over time, rising from 7 percent of the average monthly benefit in 1980 to 26  percent in 2010 (Exhibit I.3). Medicare beneficiaries spend roughly 15 percent of their household budgets on health expenses, including premiums, three times the share that younger households spend on health care costs. Finally, Medicare does not cover costly services that seniors and people with disabilities are likely to need, most notably, long-term services and supports and dental services. Putting the burden of saving Medicare on the beneficiaries, already paying a significant portion of their incomes on health care, isn’t a solution for saving this program, for keeping it’s promise to America’s seniors and disabled. That basic premise should be the starting point for reforms.
Source: dailykos.com

Kaiser: Medicare Reform Ideas

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

Kaiser: Medicare Reform Ideas

“Unfortunately in the UK it would seem that the NHS system effectively encourages our over-65s to continue being Luddites! Although we’re experiencing healthcare cutbacks too, I think our NHS system means that we don’t feel the pinch with quite the same impact that declined Medicare payments might have! That’s a real shame, as no doubt there are apps and online services that would make access to …”
Source: healthworkscollective.com

Kaiser Family Foundation Medicare options

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

Kaiser Permanente Leads the Nation in 13 Medicare Measures

About Kaiser Permanente Kaiser Permanente is committed to helping shape the future of health care. We are recognized as one of America’s leading health care providers and not-for-profit health plans. Founded in 1945, our mission is to provide high-quality, affordable health care services and to improve the health of our members and the communities we serve. We currently serve more than 9 million members in nine states and the District of Columbia. Care for members and patients is focused on their total health and guided by their personal physicians, specialists and team of caregivers. Our expert and caring medical teams are empowered and supported by industry-leading technology advances and tools for health promotion, disease prevention, state-of-the-art care delivery and world-class chronic disease management. Kaiser Permanente is dedicated to care innovations, clinical research, health education and the support of community health. For more information, go to: www.kp.org/newscenter.
Source: kp.org

Bipartisan Policy Center Releases Health Care Cost Containment Plan

In addition, the BPC’s plan would combine deductibles for Medicare parts A and B into a single $500 annual deductible, with a $5,315 cap on beneficiary out-of-pocket cost sharing. Further, the report proposes expanding cost-sharing assistance to Medicare beneficiaries with annual incomes of up to 150% of the federal poverty level, or $17,235 for an individual.
Source: californiahealthline.org

Medicare Cracking Down on Hospice Industry: Kaiser

AAHomecare AARP Alliance for Home Health Quality and Innovation Almost Family Amedisys Inc. American Association for Homecare American Association for Long Term Care Insurance Apria Healthcare Group Brookdale Senior Living Care.com Center for Medicare Advocacy Centers for Medicar & Medicaid Services Centers for Medicare & Medicaid Services CMS Emeritus Senior Living Ensign Group featured Federal Bureau of Investigation Gentiva Health Services Gentiva Health Services Inc. Genworth HHS Home Health Depot Home Health International Humana IntegraCare Intel-GE Care Innovations Jordan Health Services Kindred Healthcare LHC Group Inc MedPAC NAHC National Association for Home Care & Hospice National Hospice and Palliative Care Organization New York Times Paraprofessional Healthcare Institute Partnership for Quality Home Healthcare PHI ResCare HomeCare Scripps Health Sentara Healthcare The Ensign Group VA Visiting Nurse Association Visiting Nurses Association
Source: homehealthcarenews.com

Kaiser study: Romney’s Medicare plan raises costs

What’s more, as Sahil Kapur added, the study “does not project the longer-term implications for traditional Medicare. Many analysts warn that over time, sicker and older patients would choose traditional Medicare over private plans as private insurers tailored their plans to younger, healthier beneficiaries. Without strict rules and adequate risk adjustment, this would put traditional Medicare premiums on a ‘death spiral’ and the public plan would collapse.”
Source: msnbc.com

Kaiser Family Foundation holds forum on Medicare, Healthcare Reform and People with Disabilities

On Wednesday September 8, the Kaiser Family Foundation held a forum examining the health care issues facing people with disabilities and the opportunities and challenges presented by the new health care reform law enacted earlier this year.  The discussion explored the changes in health reform that could affect access to affordable health care for people with disabilities as well as the current and future role of the Medicare program in serving this population.
Source: hemophiliafed.org

Kaiser Medicare Q & A Column levitra 40mg online.

Statement Cautionary FactorsExcept for the historical information presented herein, matters discussed herein may constitute forward looking statements that involve risks and uncertainties, which could cause are put much of any future results, December 2005, andhievements expressed or implied by such statements. Preceded by not historical facts, preceded including statements, followed by, or that are the words potential , believe , anticipate , intend , plan , expect , estimate , could, may, or similar statements are forward-looking statements. Medarex disclaims, however, any intent or obligation forward-looking statements forward-looking statements. Risks and uncertainties include risks associated with product discovery and development, uncertainties related to the results of clinical trials, slower than expected rates of patient recruitment, unforeseen safety issues resulting from the administration of antibody products in patients, uncertainties related to product manufacturing as and risks detailed from time to time in Medarex disclosure filings with the U.S. Securities and Exchange Commission , including its Annual report 31 on Form 10-K for the year ended December 2005, and subsequent Quarterly Reports on Form 10-Q lists. Commercially successful.ce that such development efforts will other other developed products required regulatory clearance or that, even if such regulatory approval is received, such products will ultimately receiving commercially successful. Copies of Medarex disclosure the submissions are on the Investor Relations Department disposal.
Source: kelownahomestay.com

Blue Cross Blue Shield of North Dakota launches SilverSneakers® fitness program to Medicare Supplement members

Posted by:  :  Category: Medicare

About Healthways Healthways (NASDAQ: HWAY) is the largest independent global provider of well-being improvement solutions. Dedicated to creating a healthier world one person at a time, the Company uses the science of behavior change to produce and measure positive change in well-being for our customers, which include employers, integrated health systems, hospitals, physicians, health plans, communities and government entities. We provide highly specific and personalized support for each individual and their team of experts to optimize each participant’s health and productivity and to reduce health-related costs. Results are achieved by addressing longitudinal health risks and care needs of everyone in a given population. The Company has scaled its proprietary technology infrastructure and delivery capabilities developed over 30 years and now serves approximately 40 million people on four continents. Learn more at www.healthways.com or www.silversneakers.com.
Source: bcbsnd.com

Video: Blue Cross Blue Shield Medicare Supplement-Compare 180 Comp

Anthem Blue Cross Blue Shield Medicare Supplement Plans Are Affordable…

Based in beautiful Jackson Hole, Wyoming, we currently market health insurance in 18 different states from our website IndividualHealth.com. I have worked in the domestic and international markets for most of my adult life. Recently we launched a newly revamped website www.tetonmarketing.com which has a primary focus on music and Native American Flutes and hand crafted items made in Wyoming. Check it out! I want the Insurance Simplified Blog to be a place you can visit from time to time and read about real world issues that individuals and families face daily. Our parent website IndividualHealth.com we like to think of as a virtual brochure. But with the blog I want to talk about the topics behind the brochure. Also check out our blog www.JacksonHoleTim.com which is “All Things Wyoming, Everything Jackson Hole” . If you love the Yellowstone basin this is blog for you! Then when you are ready check out our new Social Network site Jacksonholetim.ning.com – this is a place you can connect with other who visit and live in Wyoming. And finally we have just launched another new blog. Jackson Hole Tim (www.jacksonholetim.com) is a new place to visit that talks about “All things Wyoming, Everything Jackson Hole”. I hope you find these blog helpful.
Source: wordpress.com

Does Blue Cross Offer The Best Medicare Supplemental Insurance?

Blue Cross and Blue Shield offers many good health insurance programs. They do not necessarily offer the best Medicare Supplemental Insurance, but they offer low-cost plans that many people can afford easily. The plan that this large insurance conglomerate offers work best for people who are just over the limits necessary for Medicaid but who do not earn enough for the more expensive plans from the large company. The network also provides a large network of health insurance providers. A person with Blue Cross and Blue Shield knows that the insurance that he has will be accepted mostly anywhere.
Source: seniorcorps.org

Stephen L Morgan’s Personal Blog: Medicare Open Enrollment Furthermore Supplemental Insurance

Low Income Subsidy (LIS)/State Pharmaceutical Assistance Tool (SPAP) Beneficiaries: Guys and women who qualify of LIS or SPAP are eligible toward enroll into an actual Medicare Part S plan at any other time during an year. That they are also certified to disenroll by means of Medicare Part M plans at whilst during the year. How eager the merchant is to walk over inexpensive well being insurance insurance coverage plan possibilities with you a too working agent is every additional red flag. An agent that sends a toll-no worth range and obviously consists of the actual electronic mail matter with earns a huge as well equally signal. Choosing the right 2nd healthcare plan will be quite an important difficult process. The right plan must be hired and include currently the right benefits in the right premiums. In certain day and grow old over 65s would find it somewhat difficult to survive without a healthcare plan altogether; with the gaps within the Medicare decide on some over 65s will still give out a money for additional medical costs. The Medigap plan, however, is a impressive option to be certain that you don’t purchase hit with shocking medical bills. Just enrolling in the Blue Cross Violet Shield Dental linked to Florida program, definitely one can preserve a number of dollars on dentistry methods and function. Near today’s hard times, this can from time to time be the big in between having something executed at this point and putting it off till it develops into one in particular thing even more difficult. BCBS of Tx understands the confusing nature of rrnsurance policy coverage and Treatment in distinct. That is why choose they have fixed with each other one an enlightening opinions packet to make certain you already have all your pros and cons answered prior and you sign -up for something. This will turn into needed to assure that you have a preference for the right 2nd strategy for you and your family. Medicare health insurance has never recently been this complicated! With so really changes in Medicare Reform over previous 18 months, seniors today have become experts to are familiar with which plan is right for them. Are you drinking around next 12 months? Can I switch if I am not saying happy with useful ?? These are all great questions to check with and better yet, know the at the centre of. You require bought Medicare area A and Treatment aspect B to qualify for that you simply medicare supplemental insurance policy. Although picking correct prepare for health-related wants, reach confident you aren’t searching for the cheapest plan only. The rewards unquestionably are packaged in various ways in every bachelor program. For those who are obtaining it hard to do to adhere to actually Medicare Supplemental Policy policies, there are usually resources obtainable which will aid you consider. Ahead of taking a closing determination, discover out how the insurance business sets your premium. Medicare insurance supplemental insurer may possibly depart. Should the place you are in isn’t lucrative for that firm, they can potentially cease providing the policy altogether. Hard work no assure for continuance or safety measures with supplemental insurance policy. This implies that at any provided time, your corporation can depart, frequently instances getting providing you appropriate detect. Could possibly be pressured to repay out a higher price at a challenger. Or you may possibly have to acquire yet a different type of supplemental insurance coverage. This new policy could hardly cover you during your preceding just 1 did. By way of example, a female, non-tobacco consumer, old sixty seven and dwelling in Macon, GA would compensate $155 per 30 days for Medigap strategies F from Glowing blue Cross. Should it be she have gone a very careful shopper she is able to come across not less than fifty percent twelve month period carriers providing the identical method for when tiny as $116 per 30 days. Medicare supplement ideas have numerous ratings that calculate how the charge of premiums will go up about point. There are 3 ratings: (one) Problem-Age-Rated, wherever premiums are established centered on your age when you acquire; (2) Community-Rated, where exactly everyone residing inside the defined neighborhood has the identical premiums; and (three) Attained-Age-Rated, where premiums rise as you age group. This final rating is lifting sort of Medicare supplemental insurance approach that stores for premium soars as you age. It is therefore advised that you choose an Situation-Age-Rated or perhaps Neighborhood-Rated plan if you would like for a much older person well being strategy involving Medigap coverage.
Source: blogspot.com

Oklahoma Blue Cross Blue Shield Medicare Supplement Plan Options

You’ve worked hard your entire life to make sure your family was protected with adequate medical coverage. Now that you’re 65, you’re eligible for Medicare and while it helps pay for a significant portion of your health care, it doesn’t pay for it all. Like many Oklahoma residents, you may have decided to purchase Medicare Supplement insurance, also called Medigap insurance to help pay for some of the costs you are responsible for paying for health care coverage. 
Source: oklahomamedicarehealth.com

Blue Cross Blue Shield Medicare Supplement Plans: Under age 65 « Insurance News from Crowe & Associates

United/AARP will offer plans to those under age 65 as well but only down to age 50. For those on Medicare age 50 to age 64, AARP will offer plan A, B and C.   Plan A has the exact same benefits as the Anthem plan A discussed above.  Plan B covers the same thing as plan A supplement but also will cover the Hospital Part A deductible.  Plan C covers Basic benefits, 20% coinsurance, Part A and B deductibles and skilled nursing facility.  With the extra coverage comes additional cost as plan C with AARP costs over $230.00 a month
Source: croweandassociates.com

Anthem Medicare Supplement Insurance Quotes in Ohio

In order to qualify, individuals must switch from an existing supplemental policy to a new  Anthem plan with equal or lesser coverage.   This means if you currently own Plans F or J, you can switch to a modernized Plan F (Plan J is no longer for sale as of June 2010) with no health questions asked.   Likewise, you could switch from Plan G to Plan G or Plan N to Plan  N, etc.
Source: ohioinsureplan.com

Blue Cross Blue Shield of Texas Medicare Supplement Plan

Medicare Supplement Insurance in Texas, like all other traditional forms of coverage does have rate increases and I dislike them as much as you do. BCBS seems to have some of the most stable rates in the industry, where some carriers have pounded the rates some 10 and 12% these guys have not exhibited that type of behavior. They actually experienced a rate decrease this last October which was a pleasant surprise to most seniors. Of course there is no way of knowing what may or may not happen from one year to the next so yes, they could raise rates soon, but so far so good.
Source: medicareinsurancetexas.com

Blue Cross Blue Shield Medicare Supplements In Texas

Medicare Supplements in Texas from Blue Cross and Blue Shield Blue Cross Blue Shield Medicare Supplements offer terrific coverage, budget-friendly rates, and peace of mind from a carrier you can count on. One of the most recognizable brands in the medicare insurance field, Blue Cross Blue Shield carries Medicare supplement policies on hundreds of thousands of people in Texas and across the U.S. Blue Cross has been insuring people’s health for over eighty years. Original Medicare was never meant to pay all of your health-related charges. This is why Medicare supplemental insurance insurance policies are available to you. Supplement insurance plans by Blue Cross Blue Shield will cover a lot of the costs Original medicare does not cover, including some of the hospital expenses under Original medicare Part A, as well as outpatient medical expenses under Medicare Part B. There are a variety of reasons why Medicare beneficiaries go for these policies more than any other: Freedom to choose your physician and preferred hospitals without restrictions With a BCBS of Texas medigap policy, you will not ever need to get any kind of referrals. You can visit any medical professional that takes Medicare. If you travel quite often, you’ll have the comfort of knowing that your personal insurance policy Identification card will undoubtedly be quickly recognizable by almost any medical professional or important hospital in the nation. You can rely on your insurance policy while at home and when you travel. Automatic Claims Filing Blue Cross Blue Shield of Texas files all the documentation relating to your claims for you. Normally, your health care provider files with Medicare, and Medicare notifies Blue Cross and Blue Shield of Texas about your claim. After they have paid for the claim, BCBS will mail you an explanation of benefits which will show you precisely what was covered by Original medicare and where Blue Cross Blue Shield stepped in to pay other covered expenses pursuant to your chosen supplement insurance plan. 100% Guaranteed Renewable Policy Lots of Medicare beneficiaries fear that their insurance carrier may terminate or even drop their insurance plan because of health problems. It’s not the case. If you pay your monthly premiums when they’re due, your insurance policy will never be terminated because of any health issue, regardless of how serious. Although premium costs will probably adjust with time or if you change your main place of dwelling, you’ve got the security of knowing that any rate adjustments authorized by the Texas Dept . of Insurance will apply to anybody within a specific classification of coverage. You will not specifically get any rate increases centered around overall health. Freedom to choose Your Own Payment Option Whether you enjoy the convenience of a regular monthly bank draft or perhaps would rather receive an invoice, Blue Cross Blue Shield will accomodate you. You can choose to be invoiced on a recurring monthly, bi-monthly, quarterly, semi-annual, or yearly basis. Many individuals choose to save time, postage as well as standard bank charges by utilizing the Blue Cross and Blue Shield Easy Automatic Payment Option. Particularly if you travel frequently, having this billing mode available to you could save you from having to worry about accidentally missing any premiums while you’re traveling. Sound protection is becoming more critical than ever. Today and in the years in the future, you can be confident that your BCBSTX Medigap insurance coverage to help cover the costs Medicare leaves you to actually pay. Anytime Medicare increases your share of the expenses, your Blue Cross Blue Shield insurance policy will always adjust to help pay for those increases. Providing stability as well as great value, these types of medicare supplemental insurance policies are hard to beat.
Source: articlesnatch.com

Professional Liability Insurance HQ

Posted by:  :  Category: Medicare

Romney Ryan Plan Cat Food by DonkeyHoteyMultiple medical requirements that the AARP Medicare often cover are protected by AARP Medigap. New Jersey Medicare supplemental insurance is one with the best places for those who want to hold a private insurance company. To get the supplemental detail for this insurance, the New Jersey Medigap is info about the subject location to get involved touch too. The policies of this medical insurance would cover the discount of New Jersey Medicare. Brand new Jersey Medigap gives you twelve plans all in all. The What Exactly Does Medicare Supplement Insurance Cover? On the internet services is depending on the topic of where you be living. If you are questioning those plan will acquire for your requires greater to appear at subsequent paragraph.
Source: myprofessionalliabilityinsurance.net

Video: Medicare Insurance – Basics Explained

Learn More Regarding Humana Medicare Health Insurance Part D

Might the most certainly known governmental health and well-being insurance program is Medicaid. Proffered to low wages individuals, it can be jointly funded while both the federal and state government, and managed by each individual claim separately. Without doubt one of the most most important aspects for extent is that each applicant be believed to be conform at or read on the current police arrest records poverty level, which usually varies from year upon year. Assets seem to be also taken into consideration, and a person or family members members may be thought of ineligible if their whole assets exceed an important amount.
Source: recomap-io.org

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

Medicare Plan Finder for Health, Prescription Drug and Medigap plans

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

Medicare Advantage – or DISAdvantage?

Following a 20-year career as a corporate insurance executive, Wendell Potter left his position as head of communications for Cigna in 2008 to advocate for comprehensive health care reform. He is now an analyst at the The Center for Public Integrity and president of Wendell Potter Consulting. He has also served as a consumer representative to the National Association of Insurance Commissioners. His book, Deadly Spin: An Insurance Company Insider Speaks Out on How Corporate PR Is Killing Health Care and Deceiving Americans, was awarded the Ridenhour Book Prize for “outstanding work of social significance” in 2011. Previously, he wrote A helping hand for Marsha Blackburn and  Want to fix health care? Watch this movie. for the Health Insurance Resource Center Blog.
Source: healthinsurance.org

Medicare supplemental insurance benefits retirees

Medicare has been an extreme necessity, especially for the elderly. premium pays of supplement services cover Common medical fees according to AARP. Out-of-pocket expenditures are deductible. Disability plans may also be include in the service. The website http://www.medigapplansguide.com discusses prescription copayments in detail. Employer relations are better at bridging the needs by offering retirement plans for healthcare and wellness visits. Hospital payments and charges are lowered. Limitations to the service may depend on the employee requirements. To prevent fraud and determine eligibility, application request should be processed by local HMO or any medicare-approved insurers. Nursing websites for Oregon and York are useful for email support and screening. Customer savings are therefore guaranteed.
Source: greygardensmerch.com

Medicare private plan enrollment hits 12.8 million

Greater participation in Medicare Advantage could lead to higher federal spending. Government studies have found that the Medicare Advantage program costs the government more than traditional fee-for-service, but the gap has narrowed somewhat in recent years. A few years ago, average payments to private plans were 113% of what the program paid under fee-for-service, said Jon Blum, CMS deputy administrator and director of the Center for Medicare. Today, it’s roughly 107% of fee-for-service.
Source: amednews.com

Need Advise for Medicare Related Question

I was approached by a client of mine to see if I could get insurance for her daughter. The daughter has an auto-immune disease and is on some pretty expensive medication. I tried several carriers, with the predicted outcome, offered a guarantee issue plan, which she declined, and am wondering if she would be eligible for a medicare advantage plan since she is on disability but the prescription portion of the disability won’t kick in until June. She just lost her cobra coverage a week or so ago. thanks for any comments.
Source: insurance-forums.net

A Health Insurance Disaster: Falling Down the Medicare Donut Hole

Furiously logging into my insurance account did not, in fact, reveal a way for me to submit a claim for reimbursement. It revealed the fine print that I’d conveniently ignored. All of my prescriptions for the rest of December cost me hundreds more than I normally paid, because I’d reached the coverage gap in my insurance. Had I paid attention to the details, I’d have planned for this expense. Instead, I was sideswiped by massive added expenses at the worst possible time of the year. Ultimately, this mistake cost me $1,362.
Source: thesimpledollar.com

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 Prescription Drug Plan

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: smcfdn.org

Medigap Plans Guide on Medicare Advantage Plan

Medicare has been an extreme necessity, especially for the elderly. premium pays of supplement services cover Common medical fees according to AARP. Out-of-pocket expenditures are deductible. Disability plans may also be include in the service. The website http://www.medigapplansguide.com discusses prescription copayments in detail. Employer relations are better at bridging the needs by offering retirement plans for healthcare and wellness visits. Hospital payments and charges are lowered. Limitations to the service may depend on the employee requirements. To prevent fraud and determine eligibility, application request should be processed by local HMO or any medicare-approved insurers. Nursing websites for Oregon and York are useful for email support and screening. Customer savings are therefore guaranteed.
Source: bertrand-delanoe.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