Medicare Supplement Insurance Information

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

Comparing Medicare Supplemental Insurance Benefits

These plans, called “Medigap” plans, each have different medical care coverage. Variable benefits of coverage to be considered are: • Coinsurance plus coverage that last 365 days after medicare benefits end (Medicare Part A) • Coinsurance/Copayment for medicare part B. • Pints of blood (transfusions, first three pints) • Hospice care copayments or coinsurance • Coinsurance for Skilled Nursing Facilities • Part A medicare deductible • Part B medicare deductible • Part B excess charges • Emergencies during foreign travel • Preventative care coinsurance, per Medicare Part B If any of these are important for you to have covered, comparing medicare supplemental plans that include benefits is the only way to ensure they are included.
Source: seniorcorps.org

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

Which In Turn Medicare Supplemental An Insurance Policy Is Best Into Get

Automatic Loss Of Creditable Prescription Coverage: If you were dropped from one specific prescription plan that is considered creditable, suggests as good as compared to or better this Medicare Part R plan, then distinctive way points and a SEP to get into the Medicare health insurance Part D set up. You can enroll anywhere up to 3 months in front of time if sort you will grow to be dropped from your creditable coverage we only have sixty three days from day time that coverage corners or from day time that you turned out to be informed that the policy ended to begin a Medicare Percentage D plan. If you forget this 63 celebration window then might not be qualified for enroll again so that the open enrollment term.
Source: grandec.org

House Committee Recommends Medicare Supplement Reform

Two house committee members Reps. Johnson and Reichert expressed concern that the modifications to Medicare supplement plans would create a disincentive for retiree’s to purchase Medigap coverage and could cause them to delay or even go without important medical care. Hackbarth defended the Commission’s report and said that the suggestions are not to prevent Medicare recipients from purchasing supplemental insurance and that the suggestion “didn’t propose any regulatory restriction’ on those Medicare supplement plan purchases.
Source: askmedicareblog.com

Medicare Supplements and Medicare Advantage Plans Are Not the Same Thing

If you have Medicare Portion A and Element B, your Medicare dietary supplement strategy will shell out the part of your healthcare monthly bill that Medicare will not shell out. Of training course, Medicare dietary supplement ideas differ, and so you want to be informed of exactly which parts a Medicare Supplement strategy will pay prior to you indication up. For occasion, Medicare could be 80% of your healthcare facility monthly bill, and your supplement will select up the other 20%.
Source: wordpress.com

Things that ought to be there in the best Medicare Supplement Policies

Those who have already enrolled themselves in Medicare can also get enrolled in supplemental insurance. These are marketed and sold by private firms. Traditional Medicare takes care of most of the expenses but not each and every service associated to medical supplies and health. Traditional Medicare includes hospital insurance and medical insurance which falls under Part A and Part B respectively. The ideal plan of Medicare supplement insurance should be able to provide coverage for “gaps” that are not taken care of by traditional Medicare. These includes copayments, coinsurance and deductibles, which can add up, especially for individuals who need trained nursing home services and are hospitalized. This plan can also pay for the medical services sought by an individual outside his own country along with preventive services that do not receive approval from Medicare. Those who are enrolled in both the parts of Medicare (Part A and Part B) besides best Medicare supplement insurance policy, Medicare furnishes its share of medical services approved by it. Following this, Medigap takes care of its share of the expenses.
Source: fusionswim.com

CareFirst BCBS’s Medicare plan gets high ranking from CMS

Posted by:  :  Category: Medicare

The ranking is for Medi-CareFirst’s BlueRx standard and enhanced prescription drug plans (Part D), and is an improvement over last year’s 4-star ranking. The CMS Medicare program each year rates all health and prescription drug plans in four categories, with ratings of up to five stars.
Source: ifawebnews.com

Video: Excellus Blue Cross Blue Shield – “Answers Medicare Questions” :30 TV Commercial

Excellus BCBS holding free Medicare planning meetings for Kodak retirees

Kodak retirees who will lose their health care benefits by the end of this year can ask questions and get answers from Excellus BlueCross Blue Shield Wednesday. Excellus is offering free Medicare planning seminars. The first one is at 9:30 a.m. at the Wishing Well on Chili Avenue in Chili. Click here for dates of additional seminars.
Source: whec.com

First Pacific customers New product After HTH merges with Blue Cross Blue Shield Benefit

David Hayes, Director of Sales at Pacific Prime, comments on the merger: The HTH plans were very valuable and were generally well received in the market, but now offers the same policy under the banner of Blue Cross Blue Shield will certainly increase their international sales potential. We have a history of American clients require cover for Blue Cross Blue Shield anyway, and we are pleased to be able to respond positively to this request
Source: xinsurance247.com

Oklahoma Blue Cross Blue Shield Medicare Supplement Plan Options

“Just a note to let you know of Jordan’s great service in helping us get a policy for my wife. She followed up my original inquiries with prompt phone calls and was very knowledgable and clear regarding my questions. Her service was very helpful. Just a note to let you know of Jordan’s great service in helping us get a policy for my wife. She followed up my original inquiries with prompt phone calls and was very knowledgable and clear regarding my questions. Her service was very helpful. “
Source: oklahomamedicarehealth.com

Alaska Medicaid Dental Reimbursement

Posted by:  :  Category: Medicare

OBAMAS DEATH PANEL------ GUESS WHAT FOLKS IT'S ALIVE AND WELL---"CRAZY PALIN" NOT SO CRAZY NOW by SS&SSAlaska Medicaid dental reimbursement is fixed by the Department of Health and Social Services for each dental procedure. There are certain procedures for children that may require prior authorization that the dentist must get before providing the service. The dentist must also seek prior authorization for enhanced dental services for adults. The annual Alaska Medicaid dental reimbursement for adults cannot exceed $1,150. If it exceeds, the additional amount has to be paid by the patient, as long as the dentist informs the patient of the same prior to starting the treatment and the patient consents to making the payment.
Source: medicarealaska.com

Video: Medicare – Part 1

Tea Party ally Joe Miller brews another Alaska Senate bid

The Alaska Republican Party is currently in turmoil as old-line Republicans and libertarian backers of former Rep. Ron Paul fight for control.  The party has had four chairmen this year.  The latest coup occurred last week.  The ousted chair and her replacement both showed up at the Republican National Committee meeting in Hollywood, each claiming to be the true representative of Alaska Republicans.
Source: seattlepi.com

CPH One Of Four Alaska Hospitals That Could Face Penalty From Medicare

The hospital hasn’t been fined yet.  CMS was authorized to begin reducing payments to hospitals with too many readmissions on October first.  Central Peninsula Hospital is one of four in the state identified in a Kaiser Health report as eligible for the penalty, joining the Alaska Native Medical Center in Anchorage, Mat-Su Regional Health Center in Palmer and the Yukon Kuskokwim Regional Medical Center in Bethel.
Source: kdll.org

Study shows Medicaid expansion would bring millions to state

That’s bad news, no matter if you already have medical insurance or not, because it is a loss to the state as a whole. A report released this month by Northern Economics commissioned by Alaska Native Tribal Health Consortium said the preliminary estimates for the Medicaid program would bring a significant amount of money to the state. For every dollar the state spends related to Medicaid expansion, $15.50 in new federal funds will be generated. The report estimates between 2014 and 2019, the state will spend $56.3 million for new enrollments, and would in turn receive $873.2 million in federal funds. The report identifies other savings to the state because of the program. It also notes that the Medicaid expansion would create an additional 4,000 jobs by 2017 in Alaska, with $230 million in additional annual labor income by 2019.
Source: alaskadispatch.com

Why Do Some States Spend More on Health Care?

The NCPA study, however, suggests that different types of spending may substitute for each other. In states where there are more uninsured and therefore more unpaid bills, for example, Medicare spending per enrollee is higher. In some states where Medicare spending is high, private sector spending is low and vice versa. For example, Texas is fifth from the top in Medicare spending per enrollee, but the state is fourth from the bottom in per capita private health care spending. On the other hand, Wyoming is seventh from the bottom in Medicare spending per enrollee, but the state is twelfth from the top in per-capita private sector spending.
Source: ncpa.org

CareFirst BCBS’s Medicare plan gets high ranking from CMS

Posted by:  :  Category: Medicare

The ranking is for Medi-CareFirst’s BlueRx standard and enhanced prescription drug plans (Part D), and is an improvement over last year’s 4-star ranking. The CMS Medicare program each year rates all health and prescription drug plans in four categories, with ratings of up to five stars.
Source: ifawebnews.com

Video: Excellus BCBS Medicare plan travels with you

Georgia BCBS Medicare Supplement

Are you an Insurance Forums member yet ? To sign up for your FREE INSTANT account, please fill out the form below ! Username:     Password:   Confirm Password:     E-Mail:   Confirm E-Mail:     Question of the day:   Summer is hot and winter is Agree to forum rules 
Source: insurance-forums.net

Excellus BCBS holding free Medicare planning meetings for Kodak retirees

Kodak retirees who will lose their health care benefits by the end of this year can ask questions and get answers from Excellus BlueCross Blue Shield Wednesday. Excellus is offering free Medicare planning seminars. The first one is at 9:30 a.m. at the Wishing Well on Chili Avenue in Chili. Click here for dates of additional seminars.
Source: whec.com

Blue Cross Blue Shield of Michigan Offers New Medicare Plans

HMO’s (health maintenance Organizations) let you select a primary care physician from the BCBS provider network and this PCP manages your overall care. He or she will refer you to a specialist or to a selected hospital for care should you need additional services beyond his scope of practice. Referring yourself to an outside provider will cause a forfeit of benefits and out-of-pocket costs. The four BCBSM HMO products, formerly known as Options 1, 2, and 3, will now be known as BCN Advantage Elements, Classic , and Prestige. The Blues Care Network will also continue to offer the BCN Advantage Basic Plan.
Source: emaxhealth.com

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

Medicare Advantage Plans Connecticut « Insurance News from Crowe & Associates

Aetna- Currently offer plans in Fairfield, Hartford, Litchfield and New Haven county. They have a $0 premium plan HMO, $94.00 HMO and a $90 PPO plan. The $0 premium plan has benefits second only to Wellcare when compared to the other $0 premium plans in the state. They also have a substantial network to go with the plan and allow for access to any Aetna Medicare HMO provider nation wide. The Aetna PPO is not competitive at this point due to a $1,000 out of network deductible.
Source: croweandassociates.com

Oklahoma Blue Cross Blue Shield Medicare Supplement Plan Options

“I wanted to extend my personal gratitude for Jordan Kohanim as my BCBS agent. I started out apprehensive about applying for new health insurance but Jordan made it a seamless process. She answered every question without making me feel that my questions were unnecessary and always made me feel that I was important as to BCBS from beginning to end. I cannot tell you how much I have appreciated her kindness and thoughtful support as I have moved through this process. I could only hope that every applicant could have the same courteous and concerned support!! Best, “
Source: oklahomamedicarehealth.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

BCBS Medicare Advantage Plans

I would just cut your losses. Sitting around waiting for med advantage commish will destroy your focus. If it comes, then it comes. I would recommend never, ever selling that junk again and moving on. Sell a real insurance policy. If you don’t cut it off in your mind it will kill your focus, your sanity, and ultimately your business. There is nothing more insane then waiting to get paid by the govt’. Fool me once…
Source: insurance-forums.net

Access To Primary Care Is A Challenge For Some Texas Medicare Patients

Posted by:  :  Category: Medicare

Kinky For Governor by Big Grey MareRAY SUAREZ: The independent Medicare Payment Advisory Commission also looked at the problem last June. Of the six percent of seniors they surveyed looking for a new primary care physician, one in four had a small or big problem getting an appointment. And Medicare itself says fewer than 10,000 doctors have officially opted out of the program in the past two years.
Source: kaiserhealthnews.org

Video: 7 Accused of Bilking $375M From Medicare

Texas governor reiterates opposition to Medicaid expansion

“Seems to me April Fool’s Day is the perfect day to discuss something as foolish as Medicaid expansion, and to remind everyone that Texas will not be held hostage by the Obama administration’s attempt to force us into the fool’s errand of adding more than a million Texans to a broken system,” Perry told reporters at the state Capitol.
Source: medcitynews.com

As Texas starts to pivot on Medicaid expansion, “no” looks more like “maybe”

The downside is higher prices for providers, but the feds are paying all the costs for the first three years. There’s still much negotiating to do, and one analyst said that Wall Street is assuming that Texas won’t reverse course. If Texas were to opt in, wrote Sheryl Skolnick of CRT Capital Group, there’s a powerful upside for four publicly traded hospital companies, including Dallas-based Tenet Healthcare Corp.
Source: dallasnews.com

Quick Take: Medicaid: 3 Key Issues to Watch in 2013

Federal Deficit Reduction Efforts. Implementation of the automatic spending cuts that were scheduled to go into effect in January 2013 (the sequester) was delayed two months, but there is on-going debate about alternatives that will reduce the federal deficit. Medicaid is exempt from the sequester; however, cuts could be part of an alternate deficit reduction package. Proposals to reduce Medicaid spending have varied in tremendously in size and scope ranging from a block grant that could substantially reduce federal funds for Medicaid and fundamentally change the financing and entitlement structure of the program to more targeted program changes. While the Administration has proposed some Medicaid cuts in the past, White House officials have recently indicated that they no longer support cuts to Medicaid as states are making decisions about how to move forward on the ACA Medicaid expansion. A recent survey shows that the public continues to express a general sense of urgency about addressing the nation’s budget deficit, but most Americans resist changes to entitlement programs. The four areas where most Americans say they would not be willing to see any reductions include public education, Medicare, Social Security and Medicaid. Widespread partisan differences exist on where to cut spending with Republicans more likely than Democrats to be willing to cut spending in nearly every area, except national defense.
Source: kff.org

Chemed, Vitas Hospice Services Charged With False Claims To Medicare

The Medicare hospice benefit is available for patients who elect palliative treatment (medical care focused on providing patients with relief from pain and stress) for a terminal illness, and have a life expectancy of six months or less if their disease runs its normal course. When a Medicare patient receives hospice services, that individual no longer receives services designed to cure his or her illness. Medicare reimburses for different levels of hospice care, including continuous home care, also called crisis care, which is available for patients who are experiencing acute medical symptoms resulting in a brief period of crisis. Crisis care is available when a patient’s acute medical symptoms require the immediate and short-term provision of skilled nursing services in order to keep the patient at home. The reimbursement rate for crisis care services is the highest daily rate a hospice can bill Medicare, and hospices are paid hundreds of dollars more on a daily basis for each patient they certify as having received crisis care services rather than routine hospice services.
Source: newsroom-magazine.com

Rural Resources on Medicare Part D Prescription Drug Benefit Introduction

Posted by:  :  Category: Medicare

The Anatomy of Obamacare (What's not to like?) by Third WayMedicare 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

Video: Navigating the Maze of Medicare

Preserving Medicare for Future Generations: Market

America’s fee-for-service Medicare program represents the third-largest category of federal spending and has been under scrutiny for decades for spending more on health care benefits for enrollees than taxes can generate to pay for them. The CBO estimates that over the next 10 years, the number of Medicare enrollees will increase by one-third—approaching 67 million Americans.
Source: rwjf.org

Social Security and Medicare Taxes and Benefits Over a Lifetime: 2012 Update

These tables update previous estimates of the lifetime value of Social Security and Medicare benefits and taxes for typical workers in different generations at various earning levels based on new estimates of the Social Security Actuary. The “lifetime value of taxes” is based upon the value of accumulated taxes, as if those taxes were put into an account that earned a 2 percent real rate of return (that is, 2 percent plus inflation). The “lifetime value of benefits” represents the amount needed in an account (also earning a 2 percent real interest rate) to pay for those benefits. All amounts are presented in constant 2012 dollars.
Source: urban.org

Why Premium Support? Restructure Medicare Advantage, Not Medicare

Premium support proponents argue that replacing public insurance with vouchers to purchase private (or public) coverage will harness market forces to contain costs. But the debate often ignores traditional Medicare’s administrative efficiency, purchasing power and the rewards to risk selection that accompany competition among plans. We show that despite Medicare Advantage (MA) plans’ success in enrolling beneficiaries, they have been unsuccessful in lowering costs. Except in 15 percent of counties, MA costs per beneficiary exceed costs for traditional Medicare. Fiscal prudence warrants limiting MA payments to 100 percent of traditional Medicare costs, while keeping payments to MA plans below traditional Medicare in the highest cost counties.
Source: urban.org

Detroit man pleads guilty in Medicare fraud scheme

Federal authorities say Sharma directed operations at a network of clinics in the Detroit area. Those clinics were created or operated to bill Medicare for home health and psychotherapy services that were not provided.
Source: themorningsun.com

Raise the Medicare age for the good of all

“The quality and variety of the selections you will find on EducationViews.org is second-to-none on the internet today. Since 1997 we have been providing this service at no cost to education professionals, the public in general and policy makers. Hope you enjoy the articles and commentary. Please forward us to your friends and associates. EducationViews.org is maybe the most effective way to transforming educators. The daily email offers a direct and easy way for busy teachers to grow philosophically. I was skeptical, but once you open the email and decide to read a story, you are hooked and it becomes a daily ritual to check out what’s happening. Educating teachers as to what is really going on in the schools opens up a new worldview and vision of thinking most have not been exposed to. The end result, better informed teachers who have a more effective understanding of the principles that make academic achievement a reality. Great job. The more email addresses of educators you get on your list, the bigger the impact and the more kids you will positively influence.
Source: educationviews.org

State Solutions: An Initiative to Improve Enrollment in Medicare Savings Programs

The five grantee states used many approaches to identify and enroll new participants in Medicare Savings Programs. Strategies included modifying the programs’ eligibility requirements, expanding outreach activities, simplifying the enrollment process, training staff and volunteers to conduct enrollment activities, forging partnerships, expanding enrollment opportunities, strengthening data collection and engaging state representatives to explore barriers to enrollment.
Source: rwjf.org

Trends and Variation in End

From 2003 to 2007, among the 35 academic medical centers for which data are available, 22 had increases in the percentage of patients seeing 10 or more doctors in the last six months of life. Emory University Hospital saw the largest growth in this rate, from 40.4 percent to 63.2 percent, while the University of North Carolina Hospitals in Chapel Hill had the largest decrease, from 45.0 percent to 35.2 percent. In 2003, the likelihood that a patient at Emory University Hospital would see 10 or more doctors was similar to that for a patient at the University of North Carolina Hospitals. But over the next five years, the percentage of patients seeing 10 or more doctors increased 22.8 percentage points at Emory, while the percentage dropped 9.8 percentage points at UNC Hospitals.
Source: rwjf.org

Physician Views on the Public Health Insurance Option and Medicare Expansions

The survey shows that just 27.3 percent of physicians support a new program that does not include a public option and instead provides subsidies for low-income people to purchase private insurance. Only 9.6 percent of doctors nationwide support a system where a Medicare-like public program is created in lieu of any private insurance. A majority of physicians (58%) also support expanding Medicare eligibility to those between the ages of 55 and 64.
Source: rwjf.org

Five Ways The President’s Budget Would Change Medicare

Posted by:  :  Category: Medicare

William D. Novelli by Center for American ProgressProvider 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

Video: Medicare Changes in 2013 by 1-800-MEDIGAP®

Commission urges big changes in Medicare doctor pay, like ending fee

MedPage Today: Medicaid Pay Boost Slow For Primary Care Primary care providers haven’t been receiving a boost in Medicaid reimbursements in 2013 as promised by the Affordable Care Act (ACA), doctor groups and Medicaid plans said. Instead, states are still submitting necessary amendments to Medicaid plans to the Centers for Medicare and Medicaid Services (CMS) to allow the agency to pay Medicaid primary care providers at the higher Medicare rates. The ACA provision sought to incentivize primary care physicians to see Medicaid patients, while another provision of the law was aimed at adding more than 30 million new beneficiaries to the rolls by increasing eligibility to include those with incomes up to 138 percent of the federal poverty level. States have until March 31 to file paperwork with CMS on their plans, and the agency has 90 days to respond to it (Pittman, 3/1).
Source: medcitynews.com

Guiding Principles for Person

The person-centered focused report is centered on one core goal of supporting sustainable lowered costs with higher quality care.  The proposals are driven by the persistent gaps in quality and safety of care.  As mentioned in the report, the plans contain similar elements to the President’s budget and the House and Senate Budget resolutions, which include targeted spending reductions in federal health care programs. The Bipartisan Policy Center and Simpson-Bowles have put forth similar plans which emphasize saving estimates that range from $560 – $585 billion.  The authors estimate to achieve $300 billion or more in savings within a decade.
Source: hitconsultant.net

Wagner, Johnston & Rosenthal, P.C.

2. The excess, if any, of the individual’s modified adjusted gross income for the year over the threshold amount.  The threshold amount in this case is:  $250,000 in the case of a taxpayer filing a joint return or a surviving spouse; $125,000 in the case of a married taxpayer filing a separate return; and $200,000 in any other case.  Modified adjusted gross income for these purposes is AGI without the foreign earned income exclusion or offset.
Source: wjrlaw.com

Experts: Obama’s Budget Likely To Forgo Major Changes to Medicare

Some experts say the roughly $400 billion in Medicare reductions over 10 years expected in Obama’s FY 2014 budget proposal will focus on providers and likely will not include major structural changes sought by GOP leaders, such as expanding means testing for higher-income beneficiaries, combining hospital and physician services under one Medicare payment structure and adding a surcharge to Medigap plans. Experts also note that large-scale structural reforms are contingent upon Republicans agreeing to tax increases.
Source: californiahealthline.org

Changes to the Maryland Medicare Waiver

The Maryland Medicare Waiver is a special agreement with the federal government that allows the Health Services Cost Review Commission (HSCRC) to set hospital rates for all payers, including Medicare and Medicaid, so long as Maryland keeps Medicare inpatient per case cost growth below the national average.  In recent years, Maryland has moved closer to breaking the terms of the special Medicare waiver agreement as Medicare inpatient costs here are beginning to outpace national growth.  
Source: bowie-jensen.com

Medicare’s New DME System Can Improve Chiropractic Economics

Prior to the Medicare changes, chiropractors could be certified as Medicare DME suppliers by filling out three application forms correctly, paying an application fee, and sometimes having an unannounced site visit to the practice facility. The Medicare DME certification process was straightforward and took anywhere from four to eight weeks provided that you documented the necessity of the DME supply, such as a lumbar brace, and had the correct paperwork in place. With the present Medicare changes, chiropractors have to go through accreditation, which can take from two to four months. This can significantly increase administrative costs since chiropractors who are currently DME certified must be accredited by June 30, 2013, or lose their Medicare DME certification.
Source: tsamichigan.org

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

Posted by:  :  Category: Medicare

TWO YEARS OF RUIN by SS&SSThe 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: What Is Medicare Advantage?

Medicare Advantage – or DISAdvantage?

During the debate on health care reform, the Congressional Budget Office estimated those overpayments would cost the government $157 billion over the coming decade. As a consequence of these overpayments, according to CMS, premiums for all Medicare beneficiaries, including those enrolled in traditional Medicare, are higher than they otherwise would be. That’s more than just an annoyance: the Medicare Hospital Insurance Trust Fund will become insolvent 18 months earlier than it would otherwise because of those overpayments, according to Congressional testimony by CMS’ chief actuary. That’s why, despite intense lobbying by the insurance industry, Congress inserted a provision in the Affordable Care Act to eventually phase out those overpayments.
Source: wendellpotter.com

GAO Report Finds Excess Spending in Medicare

According to a recent U.S. Government Accountability Office (GAO) report, private insurers offering Medicare Advantage plans receive inflated payments because insurers tend to use relatively high risk rates when calculating what Medicare should pay insurers per enrollee. The Centers for Medicare and Medicaid Services (CMS) offsets these higher rates by decreasing payments using a risk score adjustment, but the GAO reports that the CMS has not adequately adjusted these payments. The GAO estimates that this has resulted in “substantial excess payments” to Medicare Advantage plans—totaling in the range of $3.2 to $5.1 billion between 2010 and 2012.
Source: upenn.edu

Rate Boost To Medicare Advantage Plans Powers Insurers’ Stock Surge

Medpage Today: More $$$ Going To Medicare Advantage Plans Payments to Medicare Advantage plans will increase by 3.3% in 2014, Medicare officials said late Monday. Officials at the Centers for Medicare and Medicaid Services (CMS) based the payment increase on the assumption that Congress will override scheduled cuts in physician reimbursements for an 11th consecutive year, the agency said. “The policies announced today further the agency’s goal of improving payment accuracy in all our programs, while at the same time ensuring program stability and preserving beneficiary choice,” Jonathan Blum, PhD, CMS’ acting principal deputy administrator, said in a press release (Pittman, 4/2).
Source: kaiserhealthnews.org

GAO finds CMS negligent in risk adjustment for Medicare Advantage plans

Risk adjustment is important to ensure that payments to MA plans adequately account for differences in beneficiaries’ health status and to maintain plans’ financial incentive to enroll and care for beneficiaries regardless of their health status. Our work confirms that differences in diagnostic coding caused risk scores for MA beneficiaries to be higher than those for comparable beneficiaries in Medicare FFS in 2010, 2011, and 2012. CMS’s decision to use a 3.4 percent adjustment to risk scores for 2010 through 2012 instead of the higher adjustments called for by our analysis resulted in excess payments to MA plans. The existence of such excess payments indicates that CMS’s adjustment does not accurately account for differences in treatment and diagnostic coding between MA plans and Medicare FFS—the stated goal of the statute that required CMS to develop a diagnostic coding adjustment. In our January 2012 report, we recommended that CMS take steps to improve the accuracy of the adjustment to account for excess payments due to differences in diagnostic coding. We noted that CMS could, for example, account for additional beneficiary characteristics, include the most recent data available, identify and account for all the years of coding differences that could affect the payment year for which an adjustment is made, and incorporate the trend of the impact of coding differences on risk scores. CMS’s adjustment for 2013 is the same as it used in 2010, 2011, and 2012. However, given our finding that this adjustment was too low and resulted in estimated excess payments to MA plans of at least $3.2 billion, we continue to believe that it is important for CMS to implement our recommendation that it update its methodology to more accurately account for differences in diagnostic coding.
Source: pnhp.org

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

Seniors should tell Obama to prevent Medicare Advantage cuts

When President Obama signed the Affordable Care Act into law, he simultaneously authorized $200 billion in cuts to the Medicare Advantage program. At the time, the Congressional Budget Office projected that the health care reform law’s cuts would result in three million fewer Medicare Advantage enrollees. Moreover, actuaries at Oliver Wyman predicted that the cost of the health insurance tax would mean an additional $3,500 in out-of-pocket expenses for seniors over the next 10 years.
Source: dailycaller.com

What is Medicare Advantage (Part C)?

Health Maintenance Organizations (HMO): Provide access to a range of doctors and hospital insurance through a flat monthly rate with no deductibles. HMO plans have the strictest network guidelines, meaning all visits and prescriptions are subject to the plan’s approval. Going outside the established network of doctors, labs, hospitals, and pharmacies will result in a higher cost to the beneficiary. When enrolling in an HMO, the beneficiary must select a primary care physician who must approve all referrals to specialists.
Source: ehealthmedicare.com

Pitts Statement on CMS’ Decision to Reverse Some Cuts to Medicare Advantage

“I am pleased that CMS seems to be listening to concerns voiced by Medicare beneficiaries and members of Congress by appropriately rolling back some of the proposed cuts to the Medicare Advantage program,” said Chairman Pitts. “While the decision is welcome news, we must not forget the program still faces significant hurdles. In order to fund new entitlement programs, the health care law raided more than $716 billion from Medicare, $308 billion coming from Medicare Advantage. These cuts, which could disrupt coverage for over 14 million Americans, represent another one of the president’s broken promises that if you like your current health care plan you can keep it.”
Source: house.gov

OPINION: taking advantage of Medicare Advantage

AHIP may have a hard time convincing the current Congress to take pity on insurers. Last week the Government Accountability Office released a report estimating that CMS overpaid private insurers between $3.2 billion and $5.1 billion from 2010-2012. Chances are, though, that far more people will see AHIP’s TV campaign than an obscure GAO report. And people won’t even know that insurers are behind the campaign. That’s because AHIP is using one of its front groups, the Coalition for Medicare Choices, as the sponsor of the campaign.
Source: publicintegrity.org

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

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 marsmet481AARP 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

Video: Medicare Online

States Move to Coordinate Care for Medicare, Medicaid

Many 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

LivingBetter Online Magazine: Medicare Scam Targets Seniors

If in doubt, get the caller’s information, call the insurance company or Medicare, or research them online. Ask for the caller’s name, phone number and extension, and the name of their direct supervisor. Scambook recommends searching for this information on their complaint database or by using Google. If the caller does turn out to be legitimate, seniors can call them back.
Source: livingbetteronline.com

Advocates Take Aim at Medicare Policies on Observation Care

. Toby Edelman, senior policy lawyer with the Center for Medicare Advocacy, said, “I can’t imagine anyone is going to like this proposed rule because it makes time the determining factor in whether the services are provided on an inpatient or observation basis” instead of “what the hospital is actually doing for you, what kinds of care you need.”
Source: californiahealthline.org

Cutting Health Care Waste, Medicare Fraud

There are promising signs. Medical education is beginning to respond to these issues. "At bottom, the key agents are the physicians. They order the tests, prescribe the drugs and recommend the surgeries," said Darrell G. Kirch, M.D., president of the Association of American Medical Colleges. More physicians are weighing the cost of brand-name drugs against generics and questioning the effectiveness of commonly ordered tests. The American Board of Internal Medicine Foundation and 375,000 doctors are developing the "Choosing Wisely" campaign with a list of overused tests and procedures that starts with stress tests for healthy people, bone scans for those under 60 and diagnostic tests for common allergies.
Source: aarp.org

Insurance Success Story : Tufts Medicare Preferred

Before Tufts Medicare Preferred started to use the HubSpot software to assist with their marketing, their main challenges stemmed from generating new leads from a very fragmented website. They needed a way to connect the dots and figure out how users on their website use each of the tools they provided and what they could do to improve their experience. They had no way to track how visitors were navigating their website, nor a great way to capture lead information on each page. As Baby Boomers begin to retire, that core demographic of 65+ individuals are driving more online traffic than ever before, and Tufts Medicare needed new data on how to reach them more effectively.They discovered HubSpot’s end-to-end enterprise marketing software and originally bought because of the ability to quickly create landing pages. They soon realized however, it also provided them with the tools they needed to track visitors and get even more data than they ever thought possible.
Source: hubspot.com

Myer exec concerned about Medicare levy

The Motley Fool’s purpose is to help the world invest, better. Click here now for your free subscription to Take Stock, The Motley Fool’s free investing newsletter. Packed with stock ideas and investing advice, it is essential reading for anyone looking to build and grow their wealth in the years ahead.  This article contains general investment advice only (under AFSL 400691). Authorised by Bruce Jackson. Motley Fool contributor Ryan Newman does not own shares in any of the companies mentioned in this article.
Source: com.au

Medicare Advantage Plan Star Ratings and Bonus Payments in 2012

To encourage Medicare Advantage plans to provide quality care, the 2010 health reform law authorized Medicare to pay plans bonuses beginning in 2012 if they receive four or five stars on the program’s five-star quality rating system, or are unrated. Building on that provision, the Centers for Medicare and Medicaid Services subsequently launched a demonstration that allowed more plans to receive bonuses and increased the size of the bonuses to encourage plans to maintain or improve their rating.
Source: kff.org

Baby Boomers Going “High

According to Lucas A Burton, a partner with Largo, FL based Golden Age Providers, “We have seen a virtual explosion of traffic to our website, www.medicarequotefinder.com in the last few years from individuals that prefer to make their Medicare Supplement Insurance decisions from the comfort of their own home, without the stereotypical, high-pressure salesman sitting at the kitchen table”.  Retiree’s are more intelligent and tech-savvy than ever, stated Burton.  Furthering this theory that the older population has grasped new technology, Medicare reports that their website Medicare.gov receives over 1 million hits daily and close to 2.5 million hits per day between the months of October and January each year during the Medicare Annual Enrollment Period (AEP). During the AEP Medicare recipients have the opportunity to enroll in or change their existing Medicare Part D drug coverage. These numbers show us that the “Boomers” have taken a self service approach by utilizing the tools offered on Medicare.gov to research, compare and enroll in Medicare Part D drug plans online, many without the assistance of a licensed, commissioned insurance agent and many possibly just trying to keep their agent honest.
Source: theknoworlando.com

Apply for Medicare Online Using These Four Simple Tips

Bonnie Gortler (@optiongirl) is a successful stock market guru who is passionate about teaching others about social media, weight loss and wealth. Over her 30-year corporate career, she has been instrumental in managing multi-million dollar client portfolios within a top rated investment firm. Bonnie is a uniquely multi-talented woman who believes that honesty, loyalty and perseverance are the keys to success. You will constantly find her displaying these beliefs due to her winning spirit and ‘You Can Do It’ attitude. Bonnie is a huge sports fan that has successfully lost over 70 pounds by applying the many lessons learned through her ongoing commitment toward personal growth and development while continually encouraging others to reach their goals & dreams. It is within her latest book project, Journey to Wealth, where Bonnie has made it her mission to help everyone learn the steps needed to gain sustainable wealth and personal prosperity. Look for Journey to Wealth later in 2013!
Source: bonniegortler.com

Medicare Accident Victims

Posted by:  :  Category: Medicare

Joe the Plumber - To Flush The System ... More scams aim to ensnare Brevard seniors - Their ingenuity is boundless, Archer said. (Jul 2, 2012) ... by marsmet524Each year, Medicare pays for millions of dollars in medical bill claims for services related to car accidents, fall injuries, and other types of liability and workers compensation claims. By notifying Medicare up front, you ensure you are in compliance with federal law that requires that Medicare be protected in the event of a third party liability claim, an auto accident no fault claim, medical payments claim, workers compensation claim, or other insurance claims.
Source: jloesq.com

Video: Obama Disputes Romney, Ryan Medicare Claims

Medicare scams target elderly

Scambook, the Internet’s leading complaint resolution platform, is warning senior citizens on the trending phone scam capitalizing on a fraudulent Medicare. Scambook has received over 100 consumer complaints about one alleged benefits company that has conned elderly Americans out of more than $130,000 dollars.
Source: clarecountyreview.com

Medicare Card Phone Scam Targets Senior Citizens

Callers have been asking victims to verify basic information such as a telephone number or mailing address, deluding them into providing much more private information such as a Social Security number or routing number.  This leads to subsequent unauthorized deductions from the checking account. This all comes with scammers utilizing the new changes from the Affordable Care Act as well to further confuse victims. If you have a senior whom you can warn, it is best to contact and make them aware sooner rather than later of this trending scam.
Source: pmbcgroup.com

Medicare Fraud via Phone Calls are affecting Seniors in 2013

The first thing to know is that Medicare will never call you. In the rare occasion that they may, they will never request sensitive information of you. Never carry your Medicare card in your wallet. Instead, keep it in a safe and secure spot where you’ll remember. If you have to carry your Medicare card on your person, make a copy of it and black out all but the last four digits with a marker. These cards do not expire. You are issued one as soon as you enroll and it never needs to be renewed. If you happen to lose it, contact Medicare directly in order to report a missing card. If you ever question the validity of a phone call, tell the caller you would like to call them back and ask for their direct number. This will usually make them hang up. A good rule of thumb is not to give out potentially sensitive information over the Internet, on the phone or to unsolicited strangers.
Source: ehealthmedicare.com

CT Medicare Home Health TPL Project Year Five Instruction Packet 

Except for “adjusted” bills as described above, you must submit RAPs to Medicare for all episodes as necessary to include all of the services identified for TPL review.  Except for Condition Codes, the information on the RAP must be consistent with the information on the final claim. (Condition Codes are not to be included on the RAP, but only on the final claim.) For this reason, you should read the instructions relating to final claims (see Section 10 below) as well as the instructions relating to RAPs before submitting the RAPs themselves. If a final claim is not accepted by Medicare because it contains information which is not consistent with the original RAP, then the original RAP may need to be canceled, a new RAP submitted, and the final claim (now consistent with the RAP) resubmitted. The process of correcting and resubmitting RAPs and claims will cause delays, which might jeopardize your ability to get your final claims filed timely.  Therefore, it is crucial that accurate PPS episodes be identified when RAPs are submitted.
Source: medicareadvocacy.org

A Bogus Mass Mailing about Medicare That Just Won’t Die

‘November 6, 2012 will be the most important date that will affect the rest of your life,’ goes a recent viral email circulating the country. ‘The Choice Is Yours’ email, linked to an employee at Blue Cross Blue Shield in Alabama*, is an example of scare mongering at its worst: ‘For those of you who are on Medicare, read the following. It’s short, but important and you probably haven’t heard about it in the Mainstream News: ‘The per person Medicare Insurance Premium will increase from the present Monthly Fee of $96.40, rising to: $104.20 in 2012, $120.20 in 2013 And $247.00 in 2014. These are Provisions incorporated in the Obamacare Legislation, purposely delayed so as not to confuse the 2012 Re-Election Campaign. Send this to all Seniors that you know, so they will know who’s throwing them under the bus.’ Humphrey Taylor, the health care and political pollster, received this email from a friend last week. He was skeptical and wanted to know what I thought. It turns out I knew a great deal and had seen a similar version a few months ago. In an online post for the Columbia Journalism Review, I reported that other emails that have been passed around like this one seemed like Republican campaign ads and might have been for all I know. Patricia Barry, senior editor of the AARP Bulletin, found that messages like these had been circulating since before the 2010 mid-term elections and have no basis in fact. A similar scary email was circulating in July when a Midwestern businessman sent one to me and when the Wall Street Journal reported that readers had contacted the paper wanting to know if the numbers splashed around in the email were true. It’s all too typical that misinformation about Medicare continues to circulate even when journalists do try to set the record straight. Since Medicare’s annual open enrollment period just began and ends December 7, it’s a good time to review exactly what’s happening with Medicare premiums. The email message got one thing right:’  the mainstream media have not explained much to seniors about what’s happening to Medicare premiums, and without accurate information, it’s easy to scare us to death. First, it’s important to know that Medicare premiums for Part B coverage’which pays for doctor visits, hospital outpatient care, and lab tests’have always gone up to keep pace with the increasing costs of medical services. Those premiums along with general tax revenues finance Part B benefits. This year, the premium for most beneficiaries is $99.90, and in the next few weeks Medicare will announce premiums for 2013. It’s impossible to predict what the exact premiums will be in the years after that. The health reform law, also known as Obamacare, did call for some changes in Medicare premiums. What seniors need to know is this: Those with higher incomes will pay more for their benefits. Until 2007, all beneficiaries paid the same amount for Part B coverage. But beginning that year, about two million people with higher incomes paid higher premiums. The income threshold that triggers higher amounts was originally calculated so that it rose with the rate of inflation. But the recent health reform law froze the income thresholds which means more seniors will have to pay the higher premiums. Initially, about five percent of all Medicare beneficiaries were paying higher premiums each year based on a sliding scale. This year, the income-related premium ranges from about $140 per month to $320 and affects individuals with incomes greater than $85,000 and families with incomes over $170,000. By the end of the decade about 10 percent of seniors will pay a higher income-related premium. Admittedly all this is a bit complicated, and it’s easier to engage in scare tactics than explain the intricacies of Medicare’s finances. So if you see an email with this message, discard it, and for heavens sake don’t pass it along any more than you would do with an old-fashioned chain letter. * Blue Cross Blue Shield of Alabama officials have advised the press that ‘This e-mail was not created or approved for distribution by Blue Cross and Blue Shield of Alabama and is not reflective of the Company’s position. It contains incorrect information received by an employee who redistributed it to six others." ‘ 
Source: cfah.org

CMS Slashes Medicare Reimbursement under Round 2 of the Medicare DMEPOS Competitive Bidding Program/National Mail Order Competition for Diabetic Testing Supplies : Health Industry Washington Watch

CMS also conducted a national mail-order competition for diabetic testing supplies concurrent with the Round 2 competition. CMS announced that Medicare payment for diabetic testing supplies (100 lancets and test strips) under competitive bidding will be reduced from $77.90 to a national rate of $22.47. While the competition for diabetic testing supplies was intended to apply only to mail-order suppliers, it is important to note that the American Taxpayer Relief Act of 2012 (ATRA), which was signed into law on January 2, 2013, sets Medicare payment amounts for retail diabetic supplies at the national mail order competitive bidding single-payment amounts, effective July 1, 2013.  In other words, as a result of the ATRA, the competitive bidding process is being used to reduce pricing for DMEPOS other than items that actually were subject to competitive bidding. This policy was adopted despite CMS’s previous acknowledgment that "there are pricing differences between mail order and non-mail order diabetic testing supplies because of the delivery methods for these supplies."  Even though under competitive bidding program rules, only successful bidders that sign a contract with CMS will be eligible to furnish mail order diabetes supplies to Medicare beneficiaries as of July 1, 2013, Medicare beneficiaries will not be limited to using contract suppliers to obtain retail/storefront diabetes supplies. In sum, a Medicare beneficiary must use a contract supplier to obtain mail order diabetic testing supplies, but can pick up diabetic testing supplies from any local retailer; the payment to the supplier and the beneficiary copayment will be the same in either setting. (The ATRA also temporarily reduces fee schedule amounts for retail diabetic testing supplies to mail order amounts from April 1, 2013 until the national mail-order program single payment amounts start on July 1, 2013.)
Source: healthindustrywashingtonwatch.com

Medicare: MSPRC New Address & Fax

This Blog/Web Site is made available by the publisher for educational purposes only as well as to give you general information and a general understanding of the law, not to provide specific legal advice. By using this blog site you understand that there is no attorney client relationship between you and the Blog/Web Site publisher. The Blog/Web Site should not be used as a substitute for competent legal advice from a licensed professional attorney in your state.
Source: wordpress.com

Are Medicare Supplement Companies Regulated?

Medicare supplement companies are regulated by the Federal Trade Commission for example. The Medicare supplement companies are going to try to sell you things once you become Medicare eligible. The things that they sell you can be traditional medical devices or things like unique pacemakers for example which fit your exact medical needs. A consumer has to make sure that the companies trying to sell you devices that they try to sell you these devices in an honest way. The Federal Trade Commission wants to make sure that if companies get your mailing address that the Medicare supplement companies do get your address in a very legal way.
Source: seniorcorps.org