Medicare Supplemental Insurance

Posted by:  :  Category: Medicare

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Another issue that should be kept in mind with Medigap policies, is that it is wiser to purchase a supplemental coverage within the first six months of being on Medicare Part B. This is when the insurers cannot deny the individual because of a preexistent health issue. Many insurance companies will tell the individual that they have better plans and better coverages. This is not true. The Medigap program is a national one and the coverage is the same no matter who one attains the policy from. The only difference may be the amount of the premium one is required to pay.
Source: youneedtoknowme.org

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

What is Medicare Supplement (Medigap) Insurance

In order to sign up for Medicare Supplement coverage, you must already have Part A and Part B. These plans are offered by private insurance companies and come in 10 standardized policy types that are denoted by the letters A-N. The standardization of these plans means that no matter where you shop, the Medigap policy details remain consistent. For example, the benefits associated with Plan F are the same no matter where you buy it, though costs may differ across all carriers. Not every carrier of Medicare Supplement Insurance offers all 10 plan types, and three states in the U.S. have their own version of these plans: Massachusetts, Minnesota, and Wisconsin.
Source: ehealthmedicare.com

Medicare Supplemental Insurance

Medicare was created to help senior citizens acquire health insurance at a reasonable price. The majority of people are in need of health insurance far more often in their senior years than in their younger ones. Realizing that seniors pose a bigger health risk to insurance companies than the younger generation, the United States government knew that if insurance providers were allowed to operate without any kind of regulation in how they dealt with seniors, they would charge much more expensive premiums to the elder generation. This would have priced many seniors right out of healthcare coverage.
Source: lindacoleman.org

Medigap Insurance: What to Know About Medicare Supplemental Plans

For a Medigap policy to apply, a person does need to be signed up for Medicare first, including Parts A and B. Folks who have both pay two premiums, one for the Medigap plan and one for the Medicare Part B program. Further, it’s important to note that while Medicare will cover both a person and a spouse, a single Medigap policy with a private provider will not. A consumer has to take out two Medigap plans to cover a spouse and himself. Further, Medigap is no longer allowed to cover pharmaceutical costs under Part D of Medicare. Those have to come out of pocket from a consumer under federal law. Unfortunately, drugs tend to be the biggest medical expense for seniors on average.
Source: edvox.org

Understanding Medicare Suplemental Insurance

Medicare supplement insurance (or Medigap) is one of the most important new drug coverage options available (home page: http://medigapplansguide.com). I first learned about it when we found out that the premiums for my father were going through the roof. Even with coinsurance options, the out-of-pocket costs were killing us. After saving a ton of money, I decided to start offering Medigap consulting for others. This article shares some of my knowledge on the subject. %%iframe$url=http://www.youtube.com/embed/
Source: wordpress.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

what is medicare supplement insurance · tophat8 · Storify

For those who are enrolled in the medicare supplement plansMore hints program the coverage might merely not suffice. That is why there are Medicare Supplemental Insurance or Medigap programs in place. If you are unsure of whether you require Medigap insurance for your Medicare program please review what is consisted of below. What is Medicare Medicare is an entitlement program developed by the federal government as its primary health care plan for elders. To get Medicare all you need to do is reach the age of 65, become completely handicapped or have end phase renal condition. Medicare was initially produced to help our elderly with the worry of spending for healthcare. Medicare is not free nonetheless; recipients pay a regular monthly premium along with section of the expense of services they get as a co-payment or deductible quantity. Medicare also does not cover particular required services such as nursing houses and in-home wellness care. To pay for services that are not covered by Medicare many recipients rely on exclusive insurance policies that are called Medigap. What are the spaces in protection? Medicare Component A. There are in fact rather a couple of spaces in Medicare coverage you should be mindful of baseding on which Medicare program you are registered in. Medicare Component A protection is referred to as healthcare facility coverage because it cares for such things as inpatient healthcare facility and knowledgeable nursing, house health and hospice. What Medicare currently does not cover nevertheless is:. The healthcare facility deductible: This is the quantity you must spend for your medical facility stay prior to Medicare will cover the rest. The amount as of last year was over $1000.00. The hospital coinsurance coverage: Medicare covers your hospital stay in complete, besides the deductible, for the first 60 days of your stay. Nonetheless after the 60 days are up if you still should be in hospital Medicare will no longer cover all of the charges but will charge you a day-to-day coinsurance payment. Hospital services: As soon as you have been in medical facility for 150 Medicare will no longer bear any of the cost. Proficient Nursing facility: Medicare covers a proficient nursing center stay for approximately 20 days, if you require competent care beyond that you will have to pay a daily coinsurance amount. Experienced nursing center services: If you require to be in a retirement home for more than 100 days, Medicare will not cover any of the expenditures. House health aide services: While Medicare will defray a few of the cost of periodic home health assistant services it does not cover prolonged services. House health aide or nursing services: Medicare will not cover house health assistant or house wellness nursing unless proficient care is needed. Medicare Part B. Although Medicare Part B was created to be Medicare’s premier supplemental insurance it wound up becoming even more of an outpatient and preventative medication sort of coverage. The sorts of protection Component B covers is resilient medical devices, supplies the medical professional uses, prosthetic devices, and ambulance services. Simply like with Part A there are spaces in the protection here also, although not as many. Deductible: Medicare Component B has a flat yearly deductible that must be satisfied prior to any services are covered under Medicare. While very little in expense the quantity in 2012 was $135 and increases each January 1. Component B coinsurance coverage: While Medicare Part A covers 80 % of the items that Component B looks after neither covers all and there is a 20 % coinsurance repayment you need to cover. Anyone who is eligible and enrolled in the Medicare program requires a Medigap or Medicare supplemental insurance to help defray the costs missed out on by Medicare Part A and Component B. Medicare supplement insurance was made to provide extra coverage above and past routine Medicare components A & B for qualifying individuals age 65 and older or individuals on disability under the age of 65. Medicare Parts A & B are really sufficient coverage by themselves. Component A helps pay for medical services while constrained in a healthcare facility setup and covers 80 % of those services after a deductible is satisfied ($1132 in 2011). The deductible is a “per perk period” deductible which in many cases means you’ll have to fulfill the deductible each time you have a healthcare facility stay. Component B helps spend for your outpatient medical services. This would consist of things like primary care and expert medical professionals and labwork, x-rays, outpatient surgical treatments, emergency clinic gos to, and most various other medical services in which you don’t need to spend the night in a center. This works like Component A in that you have a deductible ($162 in 2011) and then Medicare pays 80 % of many services. The component B deductible, however, is an annual deductible and only should be fulfilled as soon as per calendar year. Medicare also has something called excess costs which permit a doctor to charge up to 15 % over Medicare’s rates. Exactly what is Medicare supplement Insurance? This insurance is private protection that picks up those gaps in protection left by Medicare and is therefore commonly called “Medigap” or “Gap insurance”. So, these plans can cover all, or some, of the deductible, coinsurance, and excess fee spaces in regular Medicare.
Source: storify.com

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

Revalidation of Medicare Enrollment

Posted by:  :  Category: Medicare

All providers who enrolled with Medicare prior to March 25, 2011, will be required to revalidate their Medicare enrollment. Providers have 60 days from the date of the revalidation notice to submit their complete enrollment information. The fastest, easiest, and most secure way to complete revalidation is by Internet-based PECOS. For this reason, WPS Medicare encourages all providers to utilize the Internet-based Provider Enrollment, Chain and Ownership System (PECOS) for revalidating with the Medicare program. For more information about revalidation to to the WPS Medicare website.
Source: mi-osteopathic.org

Video: WPS Medicare

Wps Medicare Pet Scan 78815

Allison scagliotti singing where is my. Than 600,000 people with disabilities who live and work. Deals on ebay! When you come to protech automotive services wps medicare pet scan 78815. The art of writing for the stage. To wallowa county, northeast oregon and the eagle cap. Case we need more reasons to keep pre-pubescent girls. Feb 17, 2013seems like just yesterday we. Kamagra sildenafil citrate women – enjoy with our wps medicare pet scan 78815. Vitamins, personal care and morecheap prices and huge. Now have fun, play games, chat moremini figures. Business listings and local services, including buiness addresses, phone. He said that his current counts were 48 legs. Search for edmonton canada wps medicare pet scan 78815. Saydel high school home of the eagles ~the eagle.
Source: rediff.com

Medicare Signature Requirements

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

WPS Message for Indiana and Michigan ProvidersHall Render

Wisconsin Physicians Service (WPS) will soon begin to serve as the Medicare Administrative Contractor (MAC) for Jurisdiction 8, which includes the states of Indiana and Michigan.  According to listserve communications, Indiana Part A providers and Michigan Part A providers will transition to WPS effective July 23, 2012.  Indiana Part B suppliers will transition to WPS effective August 20, 2012.  WPS is currently the Part B contractor for Michigan suppliers.
Source: hallrender.com

Medicare Change Threatens Ambulance Companies.: An article from: Arkansas Business book

Arkansas Ambulance Association: AAA. But he was direct when asked if Arkansas Business could get the two companies’ ambulances in a photo. Company. Highlights to Changes Under Health Care Reform;. Medicare Change Threatens Ambulance Companies. Medicare.com – Medicare Guide to Covered Products, Services and. by “Arkansas Business”; Business, regional Ambulance services Health care industry. Home – Centers for Medicare & Medicaid Services The newly named federal agency, formerly the Health Care Financing Administration, that administers the Medicare, Medicaid and Child Health Insurance programs. – Free Online Library Free Online Library: Medicare Change Threatens Ambulance Companies. WPS Medicare eNews – Staying Ahead of Medicare Changes. Pine Bluff Ambulance Companies Vie for Emergency Calls. Medicare Change Threatens Ambulance. Analysis of 2006-2007 Home Health Case-Mix Change:. Medicare.com is your gateway to Medicare covered products,. Medicare Change Threatens Ambulance Companies
Source: typepad.com

Flash of Genius: Medical Matters: URGENT: WPS J8 MAC Medicare change starts at 2:00 Thursday 7/12/2012

. WPS officially starts payor id 08202 on Monday July 16, however they have announced “Dark Days” of Friday July 13 through Tuesday July 17. A dark day is a business day during the cut-over period when the Medicare claims processing system is not available for normal business operations. System dark days may occur between the time the outgoing claims administration contractor ends its regular claims processing activities and the incoming claims administrative contractor begins its first day of normal business operations. Genius is not certain what would happen if you sent Medicare claims with the new payor id between 2:01pm Thursday through 12:00am Monday.It is possible that BCBSM or WPS might hold them until they finish their dark days and process them normally, but we do not have any confirmation from BCBSM or WPS that this actually will happen. Therefore Genius recommends you do all of your Medicare billing before 2pm on Thursday July 12.Then do no Medicare billing until July 16 or later.On July 16 go to your Insurance Code Files and change payor id 00953 to 08202. Don’t change anything else and don’t change it before July 16. Click here for step-by-step instructions for changing the payor id in THOMAS. After you have changed your payor id on July 16 or later you should be able to resume sending your Medicare claims.
Source: blogspot.com

Nearly 600 WPS Health Insurance Jobs Could be Cut in Madison & Wausau

About WPS Health Insurance Founded in 1946, WPS is Wisconsin’s leading not-for-profit health insurer, offering affordable individual health insurance, family health insurance, high-deductible health insurance, and short-term health plans, as well as flexible and affordable group plans and cost-effective benefit plan administration for businesses. The WPS Medicare division administers Part A and B benefits for millions of seniors in multiple states, and the WPS TRICARE division serves millions more members of the U.S. military and their families. In 2012, the international Ethisphere® Institute named WPS one of the World’s Most Ethical Companies for the third straight year. WPS is the only health insurance company to earn this distinction multiple times. For more information about WPS Health Insurance, visit www.wpsic.com.
Source: nbc15.com

AOA, state affiliates pressure Medicare contractor to withdraw restrictive policy

After building support on Capitol Hill, AOA and affiliates then met with top Center for Medicare and Medicaid Services (CMS) officials at the agency’s headquarters in Washington, D.C. At the meeting, AOA and affiliates expressed concern that WPS has, as a matter of policy, substituted its own opinion about what constitutes the appropriate scope of practice of an optometrist, rather than deferring to interpretations of state scope of practice law by appropriate state authorities, such as legislatures, courts, and optometry boards.
Source: newsfromaoa.org

WPS Health Insurance Improves The Claims Experience With Cincom Eloquence

“With claims processing within our TRICARE division exceeding 58 million claims annually, streamlining document generation is a critical factor in improving the overall claims experience for our customers as well as reducing our operational costs,” said Mary Seiler, Vice President of TRICARE Customer Service, WPS Health Insurance. “Cincom Eloquence was the right choice ? satisfying both our customer-satisfaction and business needs.” Cincom worked with Human Factors International (global experts in the area of user-centered design) to design Cincom Eloquence’s user interface for maximum ease of use. The end goal was to speed time-to-market by moving template development out of the hands of overburdened IT resources and onto the desktops of business users. Now with Cincom Eloquence, WPS’ business users leverage the familiar features, content-editing, and formatting capabilities of embedded Microsoft Word to quickly develop, test and preview document models directly within the design environment with minimal IT involvement.
Source: ecmconnection.com

WPS Health Insurance, Wisconsins Largest Not

Founded in 1946, WPS is Wisconsin?s heading not-for-profit health insurer, charity affordable particular health insurance, family health insurance, high-deductible health plans, and short-term health insurance, as good as stretchable and affordable organisation skeleton and cost-effective advantage devise administration for businesses. In addition, a WPS Medicare multiplication administers Part A and B advantages for millions of seniors in mixed states, and a WPS TRICARE multiplication serves millions some-more members of a U.S. troops and their families. In 2010 and 2011, WPS was famous by a general Ethisphere? Institute as one of a World?s Most Ethical Companies, and is a usually health word association to acquire this distinction. For some-more information about WPS Health Insurance, revisit http://www.wpsic.com.
Source: typepad.com

Better Business Bureau warns elderly to beware Medicare/Medicaid scams

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 marsmet524These people are asking for personal information such as Medicare, Medicaid, Social Security, credit card or bank account numbers in order to provide free services such as medic alert alarms, back braces, and other products that assist the elderly and infirm and are paid for by Medicare and Medicaid.
Source: bbb.org

Video: Jayden telling me Medicare from Humana’s Phone number

Medicare does not call and will not ask for your SSN, Idaho Falls woman discovers

Tips from a study at USC (http://n.pr/UKyFOT). • Compare reviews not only within a site, but across different websites. • Reviews by people who are verified by the site are more trustworthy than reviews by anonymous reviewers — especially when it comes to negative reviews. • Read reviews less for whether they give a hotel or a restaurant one star or five stars, but more for the specific information they give about the experience. • Reviews are very useful for information that experts or merchants might not think to provide — how late a swimming pool stays open could be useful if you are traveling with a family. • Focus on aggregates, not outliers. You can’t trust a handful of bad reviews or glowing reviews, but trends are much harder to fake.
Source: wordpress.com

Making complaints less complex

Each plan has specific rules you’ll need to know and follow when filing a complaint.  If, after filing a complaint, your plan doesn’t address the issue, call 1-800-MEDICARE for assistance. You can also call your State Health Insurance Assistance Program (SHIP) for free, personalized help filing a complaint.
Source: medicare.gov

Nevada SMP empowers seniors to prevent Medicare Fraud

In the case of Medicare and Medicaid, fraud generally involves deliberately billing for services that were never rendered or for over-billing, such as charging a higher rate than is actually justified. The Centers for Medicare and Medicaid or CMS, estimated that in 2010, the two programs together paid more than $65 billion in improper federal payments. An April 2012 study by a RAND Corporation analyst and a former CMS administrator estimated that fraud and abuse cost Medicare and Medicaid as much as $98 billion in 2011.
Source: seniordiscountslasvegas.com

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

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

Contacting Railroad Medicare when a beneficiary dies

Posted by:  :  Category: Medicare

If you have received a Medicare Summary Notice (MSN), Palmetto can discuss the claims on that notice. If you have not received an MSN, a representative can order an MSN to be sent to the beneficiary’s address. Their representatives can also tell you whether or not we have received or processed a claim for a specific date of service.
Source: utu.org

Video: GBMC Primary Care – Debbie Jones, CRNP

All Aboard the Railroad Heritage Day Gallery

Annual Railroad Heritage Day event at the Homewood Auditorium. The event, which ran from 9 a.m. to 3 p.m., featured an array of rail-related items on display and for sale, along with raffles and a short ride on Canadian National’s ‘Little Obie,’ a smaller, wheeled version of a traditional locomotive.
Source: patch.com

Understanding Medicare Insurance › Health Insurance Quotes

There are some additional requirements that need to be fulfilled apart from these basic requirements, but they’re plentiful and they depend entirely on the plan that you’re going to use. In order to find out what the requirements are, speak with your local social security administration office or visit Healthcare.gov for more information so that you’ll know exactly what you need to do in order to meet all eligibility requirements before wasting any time on doing things that won’t make any difference at all – and to avoid simply waiting for a response due to not knowing what else you’re required to do.
Source: healthinsurancequotes.me

When Can I Join a Medicare Part D Prescription Drug Plan?

General Enrollment Periods: Each year, there are two general enrollment periods when anyone who is enrolled in Medicare Part A or B can sign up for a Medicare Prescription Drug Plan. The first period begins in April and continues through June. The second open enrollment is in October and continues through the first week of December. This is the easiest time to plan for coverage and change your enrollment options.
Source: bradeninsurance.com

Disneyland Railroad Main St USA to Adventureland

Question by Julie6962: What is the difference between Railroad Medicare and regular Medicare? Why do people have Railroad Medicare? Why don’t they just have regular Medicare? Is there something special/better/differe about Railroad Medicare compared to regular Medicare?
Source: railroadx.info

What the elderly should know about Medicare

Part C (Medicare Advantage): Part C allows beneficiaries to enroll in a private insurance plan, called a Medicare Advantage plan. Medicare Advantage plans are managed care plans, such as Health Maintenance Organizations (HMOs) or Preferred Provider Organizations (PPOs). Medicare Advantage plans must cover all Part A and B services and usually include Part D (prescription drug coverage) benefits in the same plan. These plans sometimes cover additional benefits not covered by traditional Medicare, such as routine vision and dental care. All plans have an annual limit on your out-of-pocket costs for Part A and B services, and once you reach that limit, you pay nothing for covered services for the rest of the calendar year. The out-of-pocket limit can be high but may help protect you if you need a lot of health care or need expensive treatment. Out-of-pocket costs include deductibles, copayments and coinsurance
Source: alvitacare.com

Workers Compensation: Union Pacific Railroad Workers Compensation

Company (“Norfolk Southern”), Soo Line Railroad (“Soo”), and Union Pacific Railroad Company (“Union Pacific”). and workers compensation for comparator groups). Thus, Coalition employees enjoy a substantial compensation premium, even over other unionized employees: 18
Source: blogspot.com

Audit Proof Income: New Fax Service for RailRoad Medicare to Submit Documentation

Palmetto GBA Railroad Medicare now offers the availability of a fax service for electronic submitters to submit additional documentation with the claim. Certain services require a fax be submitted as acceptable documentation.
Source: blogspot.com

Utah's Largest Cancer Clinic System Is Sending Away Medicare Chemo Patients, Per Obama's Sequestration Cuts

Posted by:  :  Category: Medicare

OBAMA: THE SOCIALIST/MARXIST/COMMUNIST -- UNMASKED FOR ALL TO SEE by SS&SSThe Utah situation is a repeat of what is happening to community cancer clinics across the country. The Obama Administration refuses to take action. A bill to restore full funding for Medicare chemotherapy was filed April 9 by Rep. Renee Ellmers (R-N.C.), whose office is providing updates on the impact of the cuts to Medicare chemo patients in her state. The bill is HR 1416, "Cancer Patient Protection Act of 2013," which so far has remained in a House Subcommittee since April 12. HR 1416 has a bipartisan group of 56 co-sponsores as of today.
Source: larouchepac.com

Video: Utah Medicare

Sen. Grassley Pushes On In Medicare ‘Political Intel’ Probe

CQ Health Beat: Grassley Not Satisfied With Access on Medicare Advantage Probe Grassley’s staff has already twice interviewed Mark Hayes, a former Grassley staffer who now works for Greenberg Traurig, a lobby firm, about the April 1 announcement by the Centers for Medicare and Medicaid Services that it would increase rates for Medicare Advantage plans. That decision was a reversal from an earlier suggestion by the agency that rates would be reduced. Before that announcement was made public after the markets closed, Height Securities, a Greenberg Traurig client that Hayes worked with, alerted its clients to the impending announcement and health insurance stocks soared. Greenberg Traurig and Hayes have since said they did not provide any advance information to Height (Bunis, 5/2).
Source: kaiserhealthnews.org

Cuts to Medicare hurt community cancer clinics

But that number could shrink. The federal government cut funding to Medicare by 2 percent in April, which makes it more expensive for cancer clinics to administer chemotherapy drugs. Cancer patient Charles Edwards said that cut is more severe than it may seem at first glance.
Source: fox13now.com

Ohio Senator Brown Introduces Legislation To Strengthen Medicare, Reduce Deficit and Save Tax Payers Money

Posted by:  :  Category: Medicare

We need to get this to the Fiscal Cliff! What could go wrong? by DonkeyHoteyBrown is Chairman of the Finance Subcommittee on Social Security, Pensions and Family Policy and has been a leader on efforts to ensure Ohioans can afford needed prescription drugs. In 2011, Medicare spent $67 billion subsidizing prescription drugs as a part of the Part D program. The Medicare Drug Savings Act introduced today is another step toward controlling costs without squeezing seniors. Brown is also a cosponsor of the Prescription Drug and Health Improvement Act which could save up to $24 billion annually. The legislation would allow Medicare to negotiate volume discounts on prescription drugs for seniors just as the Department of Veterans Affairs does for veterans. A recent study found that the VA was able to negotiate prices for the 10 most prescribed drugs at costs nearly 50 percent less than Medicare.
Source: medbill.net

Video: Medicaid Expansion Press Conference

Massachusetts and Ohio: Capitated Financial Alignment Demonstrations for Dual Eligible Beneficiaries Compared

The Centers for Medicare and Medicaid Services (CMS) has finalized memoranda of understanding (MOUs) with Massachusetts and Ohio to test a capitated financial alignment model to integrate care and align financing for people who are dually eligible for Medicare and Medicaid in 2013. CMS also has signed an MOU with Washington to test a managed fee-for-service model. These three year demonstrations will introduce changes in the care delivery systems through which beneficiaries presently receive services and in the financing arrangements among CMS, the state, and providers.
Source: kff.org

Ohio State Reaches Settlement with Centers for Medicare and Medicaid Services

Larry Anstine, CEO of The Ohio State University Hospital, said the settlement allows the important mission of the hospital’s lab to continue. “Last year the labs performed more than nine million tests and many of those tests are unique and not widely available at other testing facilities,” said Anstine. “We are grateful to CMS for its willingness to work toward a resolution that best meets the needs of our patients and the community.”
Source: osu.edu

Boosting home care options under Medicaid: Balancing Incentive Payment Program, Community First Choice Option

[40] Anna Rich, e-mail of 12/13/2012: “I think that an additional important point to make on CFCO is that implementing it in combination with the duals demo is really perfect timing, because the state is (we hope) already thinking through issues like how plans will do assessments, care plans, etc—that thinking could be combined with implementation of CFCO requirements like the person-centered service plan, so as not to require extra work. Also, the experience in California was that CMS was definitely willing to work with the state to make the transition to CFCO from our current personal care services option as seamless as possible, keeping the administrative burden minimal and maximizing the benefit of the increased match.  From the beneficiary perspective, the transition has been easy. I also don’t think Ohio should be scared by the fact that it is a statewide state plan benefit rather than a capped waiver benefit because your waivers are so underenrolled.  Also, Medicaid expansion or so-called “woodwork effect” should not scare the state off because CFCO is for people who need an institutional level of care—they are likely already on Medicaid.” 
Source: policymattersohio.org

Sisters of Charity Health System Blog

The Sisters of Charity of St. Augustine, my religious community, and those who join us each day in ministry, have never done this work alone.  Motivated by our faith tradition, we believe that solutions to systemic challenges are found when we come together as community. In health care, the public sector has a role in offering coverage for lower-income residents, seniors and others without access. The legacy and mission of the Sisters is one that has never turned to government first to address our societal challenges, and we have decades of works to prove this, including establishing: homes for orphan children, schools of nursing, hospitals, elder care for our seniors, transitional housing for homeless men and more. We do not ask government first, but because of our belief in community, we do not fail to include government in furthering the common good. Members of the subcommittee, this coverage extension furthers the common good. We firmly believe that families and communities are stronger when everyone has access to quality, affordable health care. Across the nation, studies have shown that Medicaid coverage improves health care outcomes and a person’s ability to return to work, compared to being uninsured. We know that Medicaid coverage saves lives. From a point-of-view of those who deliver care, like St. Vincent Charity Medical Center in Cleveland, Mercy Medical Center in Canton and St. John Medical Center in Westlake, hospitals are major anchors and employers in the communities, and in today’s climate, live with real fiscal challenges.  Federal and state governments must support adequate financing to ensure the ability of health care providers — including hospitals — to maintain quality and compassionate care.  With an extension of coverage through the Medicaid program, Ohio’s families will be healthier and hospitals like ours will have improved sustainability and more financial predictability.  We can agree that the current health care delivery system is not sustainable. The care is fragmented. With the Affordable Care Act (ACA), there is a policy foundation upon which to build.  It is not a perfect law, and hospitals and others had issues with it during the debate.  In the end, many, including my system, supported its passage because it offered nearly 32 million Americans the dignity of health coverage. The provider community, policymakers including Ohio’s lawmakers, and stakeholders are now working to achieve health reform, to chart a new vision for health care that includes delivery system reforms that will improve quality of care and patient outcomes.     But, the ACA had to be paid for.  With its enactment, hospitals and other providers are already experiencing reimbursement reductions and will continue to do so.  In Ohio alone, the Sisters of Charity Health System’s three hospitals will take $120 million in Medicare reimbursement cuts over ten years because of the ACA.   Additionally, we will experience Medicaid (disproportionate share) DSH funding reductions. Medicaid DSH has traditionally been used to help partially offset the cost of caring for uninsured patients who could not afford to pay for their own care. With DSH funding significantly cut, and those who would have been covered by Medicaid extension still uninsured, hospitals like ours will face significant financial challenges.  For example, St. Vincent Charity is a high-DSH hospital, with Medicaid insurance representing 21 percent of its patient payer mix and uninsured patients representing seven percent of its payer mix in 2012. Cuts to Medicaid DSH on top of the ACA Medicare cuts will negatively impact this hospital and all our SCHS hospitals. If Ohio chooses not to extend coverage, the monies hospitals have already sent (and will continue to send) out-of-state will stay out-of-state, and Ohioans and Ohio’s hospitals will be worse off. Today, the Medicaid insurance program does have gaps in coverage. It is not available to every lower-income resident. In our state, the majority of uninsured adults have no regular source of health care, forcing them to delay or forego needed care when they are sick. This dramatically limits their access to preventive services, reduces productivity and threatens their health. Without access to coverage, many uninsured Ohioans will continue to seek care in hospital emergency departments. Uninsured persons come to our emergency departments in a more acute state than they would with access to earlier intervention or prevention.  We see patients who have no insurance and cannot manage their chronic illnesses like diabetes because they do not have a regular doctor; or cannot pay for their prescription drugs for their hypertension or COPD (chronic obstructive pulmonary disease) and become sick.  So often, we admit patients when hospitalization may have been prevented if they had had their medications covered by insurance or had primary care options.  Regular physician visits would enable people to manage their care.  This uncompensated care is costly to the whole system, is fragmented, does not offer patient-centered care, and was a major factor behind efforts to reform the health system in the first place. I call on you to take action, to extend the current Medicaid program. I beg you to set aside political views to focus on the persons you and I have been called to serve.  Health care cannot only be treated as a commodity to be bought and sold.  It is integral to human dignity. The vast majority of people who would benefit are not “deadbeat” health care consumers. They are hard-working family members who are striving hard to escape the cycle of poverty. Lastly, I strongly urge you to extend this health coverage in the biennium budget. The timing matters. We can debate this forever, but from a practical perspective, the major tenets of the Affordable Care Act come online January 1, 2014.  Community organizations, faith leaders, hospitals and others are preparing mightily to be able to help enroll newly eligible persons in the federally run health exchanges or marketplaces that will be available October 1.  Having this extended coverage in place will make the process more coordinated. These enrollment systems cannot be turned on overnight.  And, if the state does not expand, the 275,000 Ohioans projected to be enrollees into Medicaid extension will have no coverage options, leaving the most vulnerable (those under 138 percent of poverty) out in the cold.  Persons up to 400 percent of poverty will be able to be covered through the federal exchange.  In closing, the Sisters of Charity Health System supports protecting human dignity by expanding coverage. We do not ask you to do this work alone; we are with you. Government does have a role to play.  As our elected leaders, we urge you to further the common good. May God bless you in your public service.   
Source: sistersofcharityhealth.org

Be Update About Insurance

“The Ohio Department of Insurance has been made aware of attempts to scam Ohioans by capitalizing on confusion around federal health care,” Taylor said. “No one from an official government program should be calling you requesting your personal information. If you are contacted by a suspicious caller, do not provide your personal information, including your Medicare, Social Security and bank account numbers.”
Source: hapigan.com

GOP Leaders Refuse To Name Candidates For Medicare Cost Control Board

CQ HealthBeat: Health Insurance Tax’s Effect On Farms, Small Businesses Criticized Even the farmers are getting riled up about the new health insurance tax. At a hearing Thursday before a House small business subcommittee, the president of the New York Farm Bureau was among the witnesses who blasted the tax, which will be levied on insurers beginning in 2014. The tax is intended to generate billions in revenue for implementation of the health care law from insurers, who will benefit from more people enrolling in their plans for coverage (Norman, 5/10).
Source: kaiserhealthnews.org

Medicare Advantage 2012 Data Spotlight: Enrollment Market Update

Posted by:  :  Category: Medicare

SS and med by SalFalkoThis data spotlight examines the growth in private Medicare Advantage plan enrollment in 2012, with a record 13 million Medicare beneficiaries enrolled as of March, representing 27 percent of all Medicare beneficiaries. Enrollment jumped by more than 1 million enrollees from the previous year and increased in every state except Alaska and New Hampshire.
Source: kff.org

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

Revalidation of Medicare Enrollment

All providers who enrolled with Medicare prior to March 25, 2011, will be required to revalidate their Medicare enrollment. Providers have 60 days from the date of the revalidation notice to submit their complete enrollment information. The fastest, easiest, and most secure way to complete revalidation is by Internet-based PECOS. For this reason, WPS Medicare encourages all providers to utilize the Internet-based Provider Enrollment, Chain and Ownership System (PECOS) for revalidating with the Medicare program. For more information about revalidation to to the WPS Medicare website.
Source: mi-osteopathic.org

HHA and DME Providers Must Verify Medicare Enrollment for Referring Physicians on ADVANCE for Respiratory Care and Sleep Medicine

Home health and durable medical equipment providers need to start verifying the enrollment status of their ordering/referring practitioners. The Affordable Care Act (ACA) included a provision that requires physicians and other practitioners that order home health services and durable medical equipment to be enrolled in the Medicare program even if those practitioners do not submit claims to Medicare. Currently, Medicare is providing “informational messages” to home health and durable medical equipment providers and suppliers concerning the enrollment status and specialty status of the ordering/referring practitioner. Effective May 1, 2013, Medicare will start denying claims submitted by home health and durable medical equipment providers when the ordering/referring practitioner is not enrolled in Medicare and not of the correct type/specialty to order those services. In order to avoid denied claims, home health and durable medical equipment providers need to verify the enrollment status of their ordering/referring practitioners.
Source: advanceweb.com

Blended Medicare Plan Could Save $180B Over 10 Years, Study Finds

Both studies — the Commonwealth Fund Medicare reform proposal and the Rand analysis of others’ Medicare reform proposals — are seriously flawed and illustrate no real-world understanding of Medicare. It is good that the Commonwealth Fund includes the catastrophic coverage and annual OOP limits that are not included in Original Medicare. All Part C plans and a few Medigap plans include such protection today. In fact, the Commonwealth Fund looks like a Part C health plan — except that it costs more than the average Part C plan and does not have as many other benefits (other than the OOP limits). The one-size-fits-all drug plan proposed by Commonwealth Fund will lead many low-income seniors back to the two-tier VA-like prescription drug coverage that pre-dated Part D (one inferior tier for low-income seniors, one better plan for the rest of us seniors). Because I cannot take Essential without taking this inferior two-tier drug plan is bad news for we middle-income seniors also
Source: californiahealthline.org

When Can I Join a Medicare Part D Prescription Drug Plan?

General Enrollment Periods: Each year, there are two general enrollment periods when anyone who is enrolled in Medicare Part A or B can sign up for a Medicare Prescription Drug Plan. The first period begins in April and continues through June. The second open enrollment is in October and continues through the first week of December. This is the easiest time to plan for coverage and change your enrollment options.
Source: bradeninsurance.com

North Carolina Medical Society

On May 1, 2013, Medicare will go live with the referring / ordering edits that will result in claims denials unless the referring /ordering physician or other health care provider is not enrolled in Medicare (or has a valid opt-out affidavit on file with their local Medicare contractor). 
Source: ncmedsoc.org

CMS Proposes To Further Tighten Medicare Provider Enrollment Rules

Ms. Stamer has extensive experience advising and assisting health care providers and other health industry clients to establish and administer compliance and risk management policies and to respond to DEA and other health care industry investigation, enforcement and other compliance, public policy, regulatory, staffing, and other operations and risk management concerns. A popular lecturer and widely published author on health industry concerns, Ms. Stamer continuously advises health industry clients about compliance and internal controls, workforce and medical staff performance, quality, governance, reimbursement, and other risk management and operational matters. Ms. Stamer also publishes and speaks extensively on health and managed care industry regulatory, staffing and human resources, compensation and benefits, technology, public policy, reimbursement and other operations and risk management concerns including a number of programs and publications on OCR Civil Rights rules and enforcement actions. Her insights on these and other related matters appear in the Health Care Compliance Association, Atlantic Information Service, Bureau of National Affairs, World At Work, The Wall Street Journal, Business Insurance, the Dallas Morning News, Modern Health Care, Managed Healthcare, Health Leaders, and a many other national and local publications.  You can get more information about her health industry experience here. If you need assistance with these or other compliance concerns, wish to ask about arranging for compliance audit or training, or need legal representation on other matters please contact Ms. Stamer at (469) 767-8872 or via e-mail here. 
Source: wordpress.com

Medicare Open Enrollment Saves Ohioans $5.5 Million

Medicare Open Enrollment Saves Ohioans $5.5 Million COLUMBUS — Lieutenant Governor and Department of Insurance Director Mary Taylor announced the Department’s Ohio Senior Health Insurance Information Program (OSHIIP) helped 38,276 Ohioans with Medicare save a record $5.5 million during Fall open enrollment, the period to select coverage for 2013. OSHIIP is the state’s designated Medicare educational and enrollment assistance program.
Source: thevillagernewspaper.com

The Medicare Maze: Observation Stays, Nursing Home Costs, and “Invisible Patients”

We have all been traveling and have found ourselves party to a conversation because of proximity or bad cell phone etiquette. Some of these conversations are irritating, but I was looped into an interesting one the other day. Sitting in the Charlotte airport, two older men who looked like they were returning from a golf vacation started talking about enrolling in Medicare. One had just done it and the other had lots of questions. The recent enrollee said that he had registered through the Social Security web site; it took only ten minutes and was very easy. He told the other man that he only needed to sign up for part A, not for part B.
Source: wingofzock.org

Medicare Supplement Plan F

Posted by:  :  Category: Medicare

MORE DIRTY TRICKS FROM YOUR SOCIALIST/MARXIST   PRESIDENT AND HIS NASTY LITTLE ADMINISTRATION HACKS by SS&SSPurchasing a Supplemental Plan F policy should prevent any out-of- pocket costs for the recipient. One of the benefits covered by Supplemental Plan F is hospitalization for up to 365 days after Medicare coverage ends. The plan will cover up to 20 percent of all Medicare approved expenses. If blood is required three pints of blood each year are covered under the plan. The plan also covers the expense of a stay in a skilled nursing care facility. One of the greatest benefits is that Supplemental Plan F covers any emergency medical assistance that may be required while traveling abroad.
Source: edvox.org

Video: Medicare Advantage vs. Medicare Supplement Insurance

What is Medicare Supplement (Medigap) Insurance

In order to sign up for Medicare Supplement coverage, you must already have Part A and Part B. These plans are offered by private insurance companies and come in 10 standardized policy types that are denoted by the letters A-N. The standardization of these plans means that no matter where you shop, the Medigap policy details remain consistent. For example, the benefits associated with Plan F are the same no matter where you buy it, though costs may differ across all carriers. Not every carrier of Medicare Supplement Insurance offers all 10 plan types, and three states in the U.S. have their own version of these plans: Massachusetts, Minnesota, and Wisconsin.
Source: ehealthmedicare.com

On The Topic Of Medicare And Medicare Supplement Plans

medigap plans are the optimum health care products that provide specific amount of serenity to seniors in addition , disabled people to protect your life all over health care plans. This specific type of supplemental health insurance programs covers the gaps between original Medicare payments and has comfortable planning to find providing interesting help and advice to Medicare supplemental plans. May very challenging time period taking health really do care thrillingly, which creates the process of applying health maintenance plans very easy and simple. Moreover, you will take advice from expert insurance agents, who provide smart guidance for safeguarding your life thankfully.
Source: isn-buenosaires-2012.org

Medicare Supplement Plan F Options

“Marc has made my dreaded experience with Medicare supplement insurance easy. I had no idea what to do, what plan to choose, etc. I had BC/BS as a group insurance through my employer until I retired, which I didn’t do until the age of 70 (another problem). Marc never lost patience with me, bless his heart, telling me who I needed to contact, what papers I needed to complete for Social Security for Part B, etc. Initially, he called to introduce himself by phone, which was a big plus because I am pretty computer illiterate. I talked to him personally. How about that? When I had an email question, he would answer it immediately, return a phone call immediately, and was completely available for help at any time. I asked for his business cards to recommend him to friends who are going through the same dilemma. My entire experience with Mr. Lallier has been awesome!! “
Source: oklahomamedicarehealth.com

Massachusetts, Minnesota, and Wisconsin Medicare Supplement Plans

Unlike most states, which offer the option to enroll in one of 10 standard Medigap policies, Massachusetts, Minnesota, and Wisconsin offer Medicare Supplement plan offerings that are unique to these states. Medicare Supplement (Medigap) plans are available as an option to get coverage for out-of-pocket costs not already covered by Part A and Part B. In most of the United States, eligible beneficiaries can choose from 10 standardized Medigap plan offerings, with plans named the same letter offering the same benefits no matter what state the plan is offered in. However, as stated previously, not all beneficiaries have the option to enroll in one of these standard Medigap policies.
Source: planprescriber.com

Medicare Supplemental Insurance

Another issue that should be kept in mind with Medigap policies, is that it is wiser to purchase a supplemental coverage within the first six months of being on Medicare Part B. This is when the insurers cannot deny the individual because of a preexistent health issue. Many insurance companies will tell the individual that they have better plans and better coverages. This is not true. The Medigap program is a national one and the coverage is the same no matter who one attains the policy from. The only difference may be the amount of the premium one is required to pay.
Source: youneedtoknowme.org

Medicare Supplement Plans Can Help with Out of Pocket Medical Expenses for Seniors

One company that offers a wide range of Medicare supplement plans for seniors is Anthem Blue Cross. Whether you prefer a high deductible plan that has low premiums, or a plan with lower deductibles that pays for 100% of all covered Medicare benefits, you can find what you are looking for at Anthem Blue Cross. You can also get help in comparing plans with the licensed insurance experts at Benefit Packages. Call today for more information on Anthem Blue Cross Medicare Supplement plans.
Source: benefitpackages.com

Medicare Essential – Is this the future of Medicare?

The combined deductible idea is echoed in a recent article in Health Affairs that proposes unification of Parts A and B, and Part D drug benefits. The Health Affairs article also proposes reducing beneficiary cost sharing to levels comparable to Medicare Advantage plans, eliminating the need for Medicare Supplemental coverage. The new Medicare plan, called Medicare Essential, would become the default for people who qualify for Medicare for the first time. New Medicare beneficiaries could opt out and take old traditional Medicare, and go buy their own Part D and Medicare Supplement plans, or they could buy Medicare Advantage plans. Medicare Essential would have a much higher premium than Medicare Part B, but the authors of the article claim that the overall cost would be less than Part B plus Part D plus the full-coverage Medicare Supplement Plan F that most seniors select. So proponents could argue that the added cost of the increased premium is a bargain and that people could always opt out and avoid the higher cost if they wanted to. Medicare Essentials could show significant savings by avoiding the broker commissions that add to the cost of Medicare Supplemental and Medicare Advantage plans. Whether the new program would be able to achieve the supposed 2% administrative cost ratio sometimes claimed for Medicare is highly suspect, but elimination of the need to re-process claims to pay Supplement benefits, along with simplification of coverage rules overall, would probably yield some further efficiencies.
Source: gormanhealthgroup.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

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

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

Colo. Senate GOP stops Democrat resolution to eliminate Medicare, raise taxes on every Coloradan

Posted by:  :  Category: Medicare

TOP 10 Reasons to Re-Elect Mike Coffman No. 10 by Smarty McPantsGREENWOOD VILLAGE, Colo.—This morning, Republicans in the Colorado state Senate went toe-to-toe with radical Democrats to oppose a measure that would eliminate Medicare and raise taxes by $16.1 billion every single year.  “After seeing this resolution pushed by Democrats in the statehouse, it’s clear that only Republicans are on the side of senior citizens, working families and small business owners,” Ryan Call, Colorado Republican Committee chairman said.  Senate Concurrent Resolution 13-002, sponsored by  Sen. Irene Aguilar, D-Denver, would make Colorado the first state in the nation to impose a single-payer health care system, which means virtually every man, woman and child in Colorado will be required to sign up for government-run health care, administered by a newly created government bureaucracy. The measure would also have eliminated Medicare in Colorado.  Because of Republican opposition to the radical legislation, Aguilar laid-over her bill, but not after Sen. Jeanne Nicholson, D-Black Hawk, and other Democrats voted for it in committee.  “Democrats believe that the only solutions to the challenges we face are higher taxes and more government intrusion,” Call added.   Coloradans already pay 4.6 percent in state income taxes each year. To pay for this massive new government-run health care program, Democrats proposed an additional — – 6 percent payroll tax increase on every business in the state; – 3 percent payroll tax on every worker in the state; – 9 percent payroll tax on every self-employed worker in the state. “I and the majority of Coloradans would like to thank the Senate GOP for standing up to the Senate Democrats who wanted to take away Medicare and raise taxes on every single Coloradan,” Call said.
Source: cologop.org

Video: SEIU/COPE Medicare Colorado

Medicare Lags In Project to Expand Hospice

The 2010 health law required Medicaid to pay for joint hospice and curative treatments, called concurrent care, for children. More than half the states have taken steps to implement that in the joint federal-state program for low-income residents. It also instructed the secretary of Health and Human Services to select up to 15 sites to test concurrent care for patients in Medicare, which provides health coverage to seniors and disabled people. That test is to last for three years, but Medicare has yet to take any concrete steps toward beginning it.
Source: kaiserhealthnews.org

Opinion: Making sense of variation in health care pricing

A new report on the Colorado APCD website shows a $44,000 difference in average payments for knee replacements being made to the highest volume facilities in Colorado. The report is based on commercial insurance and Medicaid payments, and some of the discrepancies are likely due to the health status of the patients and the fact that Medicaid may be the dominant payer at some facilities. By December, reports like this will be adjusted for patient health status, will identify facility names, and will be searchable by insurance type so that consumers can evaluate how much they might pay for a procedure or service across different facilities and provider groups. Medicare data, and small group and self-insured commercial data are slated to be included in the Colorado APCD in 2014 allowing for even more shopping comparisons.
Source: healthpolicysolutions.org

Bridging the Social Security Medicare health insurance waiting period

If you have been approved for Social Security disability (Title 2 – Social Security Disability Insurance), you already know Social Security Medicare health insurance does not start until you receive 24 months of disability benefits.* While this waiting period includes back period months, many people still have to wait a year or longer to become eligible for Medicare. So, you have some money coming in from Social Security. However it is not enough to get private health insurance. And, you may be getting too much in monthly Social Security benefits to be eligible for Medicaid. So, how do you bridge the Social Security Medicare health insurance waiting period?
Source: socialsecurityinsider.com

Medicare Cuts Mean Tough Choices for Colo. Hospitals

Accountable Care Organizations American Telemedicine Association Association of American Medical Colleges california Canada census bureau chrysler CIM CNN cnn money colorado congress CPE CRM doctor shortage EHR Electronic Health Records EMR general motors glenn beck Harvard University healthcare financial hillary clinton Hospital Readmissions Huffington Post Hyderabad Insurance Rebates Kaiser kaiser family foundation medicaid medical records medicare Milliman National Healthcare Expenditure obamacare OECD physician shortage poverty rush limbaugh sequester telemedicine Treatment Disparities usa today Value Based Purchasing Varolii
Source: premlo.com

Sequester’s Medicare Cuts Mean Tough Choices for Colo. Hospitals

“For those folks that don’t have a balance sheet that’s healthy, and they’re already on the edge, it’s a very significant jeopardy,” Russ Johnson, CEO of San Luis Valley Regional Medical Center in Alamosa, Colorado told ABC News.  “I would expect not just with sequestration but with what’s happening in our country – maybe out of necessity to reduce costs – we’re going to see some hospitals that have been struggling finally not be able to continue.”
Source: abcnewsradioonline.com

The Rural Voice: Impact of Medicare Cuts on Colorado Rural Hospitals

As federal employees are contemplating smaller paychecks this week, administrators at rural hospitals are struggling just to keep their balance sheets in the black, thanks to the sequester. In 2011, Medicare payments to Colorado hospitals were $253 million less than in 2009, according to the Colorado Hospital Association.  Now those same institutions are facing another 2 percent decrease in reimbursement for Medicare services.  That one-two punch could knock some hospitals out of the ring, according to Russ Johnson, CEO of San Luis Valley Regional Medical Center in Alamosa, Colorado.  Read the full article from ABC news here.  
Source: blogspot.com

Medicare Lags In Project to Expand Hospice 

The 2010 health law compulsory Medicaid to compensate for corner hospice and antidote treatments, called point care, for children. More than half a states have taken stairs to exercise that in a corner federal-state module for low-income residents. It also educated a secretary of Health and Human Services to name adult to 15 sites to exam point caring for patients in Medicare, that provides health coverage to seniors and infirm people. That exam is to final for 3 years, though Medicare has nonetheless to take any petrify stairs toward commencement it.
Source: conewsfeed.com

Hospitals brace for sequestration

“Colorado is now seeing a greater health care cost shift due to Medicare underpayment than Medicaid — a situation that was unthinkable to many just a few years ago,” Summer said. “This is especially disturbing given the expected increase in Medicare patient volume due to retiring Baby Boomers. Paying hospitals less and less for seeing more and more Medicare patients is unsustainable in the long run, and will inevitably result in higher health care costs for the privately insured.”
Source: csbj.com

Medicare Benefit Redesign: Proposals to Restructure Could Hurt More than Help 

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 marsmet481[1] See, e.g., "Talk of Medicare Changes Could Open Way To Budget Pact" by Jackie Calmes and Robert Pear, New York Times, (3/29/13), available at: http://www.nytimes.com/2013/03/29/us/politics/common-ground-in-washington-for-medicare-changes.html?pagewanted=all [2] "Talk of Medicare Changes Could Open Way To Budget Pact" by Jackie Calmes and Robert Pear, New York Times, (3/29/13), available at: http://www.nytimes.com/2013/03/29/us/politics/common-ground-in-washington-for-medicare-changes.html?pagewanted=all [3] For more information on the topic of Medicare benefit redesign and the potential impact on Medicare beneficiaries, see Written Statement Submitted Jointly by California Health Advocates, Center for Medicare Advocacy, and Medicare Rights Center on "Examining Traditional Medicare’s Benefit Design" Before the Subcommittee on Health of the Committee on Ways & Means, U.S. House of Representatives (2/26/13), available at: http://www.medicareadvocacy.org/2013/02/26/center-for-medicare-advocacy-testifies-on-medicare-redesign/.   Much of this Alert is based upon this Joint Testimony.  Also see, e.g., written testimony for the same hearing submitted by the Leadership Council of Aging Organizations (LCAO), available at: http://www.lcao.org/files/2013/03/Testimony-for-Ways-and-Means-Medicare-benefit-redesign-hearing.pdf. [4]  See Kaiser Family Foundation, "Restructuring Medicare’s Benefit Design: Implications for Beneficiaries and Spending" (November 2011), available at: http://www.kff.org/medicare/upload/8256.pdf. [5] Kaiser Family Foundation, "Restructuring Medicare’s Benefit Design: Implications for Beneficiaries and Spending" (November 2011), available at: http://www.kff.org/medicare/upload/8256.pdf. [6]  "Talk of Medicare Changes Could Open Way To Budget Pact" by Jackie Calmes and Robert Pear, New York Times, (3/29/13), available at: http://www.nytimes.com/2013/03/29/us/politics/common-ground-in-washington-for-medicare-changes.html?pagewanted=all.  MedPAC’s analysis of its own proposal also reveals that at least 20% of beneficiaries would pay an additional $250-$999 per year; their proposal coupled with a surcharge on Medigap plans would lead to 70% paying additional costs within this range.  See MedPAC Presentation, "Reforming Medicare’s Benefit Design" (March 2012), slide 10, available at: http://www.medpac.gov/transcripts/benefit%20design%20mar2012%20public.pdf [7] See, e.g., National Association of Insurance Commissioners, Senior Issues Task Force, Medigap PPACA Subgroup, "Medicare Supplemental Insurance First Dollar Coverage and Cost Shares Discussion Paper" (October 2011), available at: http://www.naic.org/documents/committees_b_senior_issues_111101_medigap_first_dollar_coverage_discussion_paper.pdf;  also see National Association of Insurance Commissioners letter to Secretary Sebelius (December 2012), available at: http://www.naic.org/documents/committees_b_sitf_medigap_ppaca_sg_121219_sebelius_letter_final.pdf. [8] See, e.g., Leadership Council of Aging Organizations (LCAO) Fact Sheet "Medicare Characteristics and Costs" (December 2012) and citations therein, available at: http://www.lcao.org/files/2013/02/LCAO-Medicare-Characteristics-Costs-Fact-Sheet-Dec20121.pdf.
Source: medicareadvocacy.org

Video: Medicare Explained

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

Sequester Has Real Effects For Medicare & Elderly Cancer Patients

The government has cut Medicare by 2%, which means oncologists will be reimbursed less money for the medications they purchase. But oncologists have no say in the cost of cancer drugs and the sequester is now forcing many to make a very difficult decision: either they could turn away some of their patients and refer them to a hospital for treatment, or they could continue treating them as normal and incur mounting losses. Many oncologists say that choosing the second option will make them go out of business within a few months. If this happens, this would result in an even worse situation for patients, as all of them would have to seek treatment elsewhere.
Source: medicarebenefits.com

Medicare Studies: Payment Cuts Don’t Mean Insurers Pay More

The Hill: Unified Medicare Benefit Would Save Billions, Study Says Combining Medicare coverage under a unified benefit could save $180 billion over 10 years while lowering out-of-pocket costs for beneficiaries, according to a new study. Researchers with the Commonwealth Fund, a non-profit research foundation, proposed a simplified Medicare program in which beneficiaries receive hospital, physician, drug and supplemental coverage in a single package (Viebeck, 5/6).
Source: kaiserhealthnews.org

GOP Sources Discuss Effect of Ryan’s Budget on Medicare Benefits

reports. Ryan has been privately circulating the idea that his new budget proposal might include changes to future Medicare retirement benefits for people who currently are as old as 59, despite GOP leaders’ pledge that the program would not be altered for people ages 55 and older. Ryan was expected to introduce the proposal on Wednesday in a press briefing. The proposal aims to balance the federal budget in a decade. It also calls for deeper spending cuts and would enact changes to Medicare more quickly than the previous proposal, which delayed those alterations until 2023. However, Connor Sweeney — a spokesperson for Ryan – — on Tuesday said, “Writing a budget is a collaborative process that is still ongoing,” adding, “We don’t comment on rumors with respect to that process” (Sherman/Allen,
Source: californiahealthline.org

Coordinating the Use of Special Needs Trusts and Medicare Set

Administration:  Where as an MSA can generally be self-administered, it cannot be self-administered if it is inside a special needs trust.  For the plaintiff that is trying to preserve their needs based benefits self-administration would cause the funds to be considered a resource. Because of the complex rules in the administration of an MSA it is absolutely essential to have an MSA administrator who is experienced and committed to keeping up with the law. It creates a situation where you have two tiers of rules that you must pay attention to.  First, what is appropriate to protect Medicare’s interest and second, how you can accomplish that without the distributions becoming an income or resource for these needs based benefits.
Source: medivest.com

No cuts to Social Security, Medicare, Medicaid or Veterans’ Benefits.

Thousands of people watched along at home, and even more have seen it since. That’s why Social Security Works put together this video of the highlights—so you can join Senators Bernie Sanders, Elizabeth Warren, Jack Reed and Al Franken and Representatives Keith Ellison, Jan Schakowsky, Peter DeFazio, Ted Deutch and David Cicilline in standing up for the benefits we have all earned over a lifetime of hard work.
Source: occupyqueens.net

Trial against Da Vinci Robot, Medicare Costs and Benefits, Tough Week for Hospitals, HHS Fundraising, But there’s Plenty of Money out There

Since its inception in March 2007, the Medicare Fraud Strike Force, now operating in nine cities across the country, has charged more than 1,480 defendants who have collectively billed the Medicare program for more than $4.8 billion. In addition, HHS’s Centers for Medicare and Medicaid Services, working in conjunction with HHS-OIG, are taking steps to increase accountability and decrease the presence of fraudulent providers. To learn more about the Health Care Fraud Prevention and Enforcement Action Team (HEAT), go to: www.stopmedicarefraud.gov.
Source: oconnorreport.com

Learn How to Maximize Your Medicare Benefits 5/7/13

Adult Day Care Alzheimer’s / Memory Care Assisted Living Cancer Treatment Chiropractic Dental Services Dialysis Services Elder Law, Medicaid, Estate Financial Services Funeral Pre-Planning Geriatric Consultants Hearing Services Home Care Non-Medical Home Health Care Medical Home Modifications Hospice/Palliative Hospitals/Rehabilitation House Cleaning/Repairs Insurance Services Meals & Nutrition Services Medical Alert/Home Safety Medical Supplies Mobility / Wheelchairs / Stair Lifts Nursing Homes Pain Management Personal Care Homes Pet Care Services Pharmacies Physical Therapy and Rehabilitation Physicians and Surgeons Real Estate & Downsizing Retirement/Care Communities Senior Apartments Transportation Vision Services and Ophthalmology
Source: eldercareresourcespittsburgh.com

MHANJ Offers Free Medicare Benefits Counseling through “SHIP”

Counseling is free, objective and confidential and encompasses assistance with questions about Medicare, Medigap, Medicare Advantage, Medicare Part D, Long-Term Care Insurance and Dual-Eligibility. Sessions are conducted by telephone so that travel is not necessary.       
Source: mhanj.org

New Hope for Those Denied Medicare Benefits?

There is a re-review process for certain Medicare beneficiaries who were denied benefits for rehabilitative services. The denial must have become final and appealable after January 18, 2011. A further appeal need not have been filed. The re-review process only applies to services that were actually received by the Medicare beneficiary.  In other words, if Medicare denied benefits and no further rehabilitative services were received the Jimmo settlement will not help you.  Medicare can only pay for services received. If skilled care was stopped because Medicare wouldn’t cover, you may be able to get it restarted under this new standard.  First, you’ll need your doctor to explain in writing why skilled care or therapy is necessary.  Keep in mind that all the normal Medicare requirements still apply.  For example, skilled nursing care requires the 3 day hospital stay first.
Source: estateplanandassetprotection.com