Medicare Boosts Rather Than Cuts Payments To Advantage Plans

Posted by:  :  Category: Medicare

Modern HealthCare: Limited Funding In an effort to scale back use of high-priced imaging of questionable value in cancer treatment, Medicare has proposed ending reimbursement for post-treatment positron emission tomography scanning in prostate cancer patients and limiting its use to one scan for most other cancer indications. Use of the technology, which involves injecting F-18 fluorodeoxyglucose (FDG) into the blood so the PET scan can identify regions of heightened metabolic activity, a sign of cancer metastasis, has grown sharply in recent years. The CMS, in giving preliminary approval to payments for the technology in 2005, required manufacturers and radiologists to establish a registry to monitor outcomes from its use. The evidence garnered from that registry convinced the CMS that the scans provided no useful information for oncologists treating prostate cancer patients who had already completed their initial therapy, according to the March 13 proposed decision memo (Lee, 3/30).
Source: kaiserhealthnews.org

Video: Top 10 Medicare Insurance Tips

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

The 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

Deadline Nears to Voice Opinion on Medicare

If you are one of the 263,600 Las Vegas residents with Medicare coverage, you may have recently received a packet in the mail or a telephone message from the Centers for Medicare & Medicaid Services (CMS) inviting you to participate in the Consumer Assessment of Healthcare Providers and Systems (CAHPS) survey. This survey gives you a chance to rate your satisfaction with your Medicare health insurance and doctors. CMS conducts this annual survey to hear directly from select beneficiaries about the quality of their Medicare coverage and the care they receive.
Source: lasvegastribune.net

Former Nurse to Run Medicare, Marilyn Tavenner CMS Administrator

Together, the programs under the Centers for Medicare and Medicaid Services cover more than 100 million Americans, ranging from newborns in low-income families, to people with severe physical and mental disabilities, to patients under hospice care in their last days of life. Part of the Health and Human Services Department, the agency has a budget of about $850 billion that easily eclipses spending on national defense.
Source: aarp.org

Proposed Rule Imposes Spending Ratio on Insurers in Medicare Contracts

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

Promoting Greater Value for Enrollees in Medicare Advantage and Drug Plans

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

Analysis Finds Lax CMS Oversight of Prescribers in Medicare Part D

Further, the data showed that 50% of the top 20 prescribers of OxyContin in 2010 have been either criminally charged, convicted or settled fraud claims, or have been disciplined by their state medical boards. Among those, eight have been charged, convicted or barred from prescribing controlled substances, or been disciplined by licensing boards. However, all but one of those doctors still are able to prescribe drugs for Medicare.
Source: californiahealthline.org

Paying for Home Modifications » The NeedyMeds Blog

Posted by:  :  Category: Medicare

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Possible sources of funding for assistive technology include Medicare, Medicaid, the Veterans Administration, non-profit organizations and state-based nursing home diversion programs. NeedyMeds has a database that includes assistive technology and home modification services within the Diagnosis-Based Assistance database. The good news about Medicare is that it will cover the cost of some supplies for home modifications but the bad news is that their limited coverage is usually for items that are medical in nature. A table of which items Medicare will and will not pay for is available here. Medicaid, however, is much more generous. Almost every state has a Medicaid waiver for home- and community-based services which help individuals avoid nursing home placement by providing support for them to live independently. As such, these Medicaid waivers will pay for home modification materials to support independent living.
Source: needymeds.org

Video: Medicare vs Medicaid 612-309-9184 Minnesota Medical Assistance Minneapolis Elder Law Attorney

Government assistance…my ass!

I am sure you are hoping by now that this is not another rant on the system of laws in America, well your half right. This short piece came about because of something that happened to me last Friday. I had an accident and ended up with blisters on my eyes and went to see an eye doctor. While waiting at the clinic I noticed on other doctors office windows signs that said, (we do not accept Medicare patients). While the ophthalmologist was examining my eyes he said I should also try and see a skin doctor but he advised me that that doctor would require a cash payment if I had no medical insurance, because he also did not take Medicare.
Source: wordpress.com

Medicare Plan Finder for Health, Prescription Drug and Medigap plans

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

Fraud of the Day: Sign It All Away

Let’s bring back our fraudster starring as the “assistant.”  Court documents reveal that during the time of the scam, this man was being held in jail.  Knowing his status as an inmate, his partner – the  “beneficiary” – willingly signed documents stating the inmate had performed 44.5 hours of assistance in her home, as part of the Home Services Program. (Did he Houdini his way into her home?  Or was he teleporting back and forth, instead of telecommuting?) The “assistant” was sentenced to time served, three years of supervised release, a fine of $100 and ordered to pay restitution in the amount of $420 to the state of Illinois and the Center for Medicare and Medicaid Services.  His accomplice, the “beneficiary,” was also sentenced to time served, two years of supervised release, a fine of $100 and ordered to pay $420 in restitution. It’s amazing the scams people think the government overlooks.
Source: fraudoftheday.com

Rural Resources on Medicare Part D Prescription Drug Benefit Introduction

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

Darling Downs South West Queensland Medicare Local: Medical Specialist Outreach Assistance Program (MSOAP)

MSOAP is a federal government initiative to help improve access to specialist services for people living in rural and remote Australia.  A number of specialist services are being provided to rural and remote areas in Queensland.  For a list of health services 
Source: blogspot.com

Funding Details: Medicare Incentive Payments in Health Professional Shortage Areas and Physician Scarcity Areas

Physicians in geographic Health Professional Shortage Areas (HPSAs) and Physician Scarcity Areas (PSAs) can receive incentive payments from Medicare. Psychiatrists practicing in mental health HPSAs are also eligible. Payments are made on a quarterly basis, rather than claim-by-claim, and are handled by each area’s Medicare carrier.
Source: raconline.org

Oregon Medicare Assistance (MEDICAID): Low Income Medicare Help?

Oregon Health Plan – The Oregon Health Plan (OHP) offers health care to its members at little or no cost. The program covers a wide range of medical benefits and services such as doctor’s visits, prescription drugs and other medically necessary services and supplies. You must have been without private health insurance for at least the last 6 months. You will not qualify for OHP if you have Medicare, unless you are pregnant. You also must meet one of the following:
Source: blogspot.com

Encore anyone? Your career in retirement

Posted by:  :  Category: Medicare

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I love the encore career concept because we Boomers are always cited for taking so much—resources, jobs, services, attention.  Because Boomers are the largest and best educated generation and had the greatest opportunity for jobs and material success up to this point, we are looked upon as “takers.”  Now because we are entering retirement age, we are “taking” a chunk out of Social Security and Medicare. When the Boomers were born, we knew there would be a large number of people hitting retirement age at this time.  What has changed is that thanks to advances in medicine, we are living longer and, thus, stressing those government programs even more.
Source: retirementeducationplus.com

Video: Medicare/Medicaid Sales Careers

Medical Careers USA: Medicare Boot Camp is headed to Michigan!

You are receiving this message at medicalcareersus@gmail.com as a valued contact of HCPro. If you prefer not to receive messages like this in the future, click here to remove yourself from this list or change your email preferences. Your request will be processed within 10 days. You may receive additional promotions within that time. ©2013 HCPro, Inc. 75 Sylvan Street, Suite A-101 • Danvers, MA 01923 Phone: 800/650-6787 • Fax: 800/639-8511 Email: customerservice@hcpro.com • Website: www.hcmarketplace.com   
Source: medical-careers-usa.com

Social Security and Medicare Should Not Be Used to Reduce Deficit

Crack down on waste and inefficiency: The U.S. health care system wastes as much as one-third of all spending because of inefficient payment systems, uncoordinated care, mistakes, duplication and unnecessary paperwork. We must step up efforts to detect fraud and crack down on criminals who file false Medicare claims. We need to focus on improving care and cutting unnecessary tests and procedures, which are often the result of payment incentives and fear of litigation.
Source: aarp.org

Immigrants add billions to Medicare, study finds

How do you get an illegal immigrant to become a citizen that pays taxes when he is already making money selling drugs and working for cash? This article is about immigrants (legal), no where it says illegal immigrants. Of course immigrants pay into Medicare and Social Security we are all or our family members were immigrants. This has to be the stupidest article I’ve ever read. The problem isn’t the legal immigrants its the illegal’s with anchor babies that are in our welfare offices everyday looking for food, housing and medical hand outs. Next time you have a day off go to your local Welfare office and see for yourself or go to your Social Security office and see who is there with their new born asking for Spanish speaking personnel. I live in rural Ohio, Fairfield and there isn’t a farm within 20 miles but yet we have hundreds if not thousands of illegals and a very bad drug problem. They have literally kicked everyone else out of the poor part of Hamilton and started their own city. And it’s not looking any better because of it. There are parts you can’t go into at night. We are not talking about some big city we are talking about a city of maybe 100,000. The sheriff of Hamilton has even been sued by an Illegal for asking him for his green card. This needs to stop I have children and my friends have children that are suffering at school with class rooms that are over crowded and not enough buses. If we don’t step up and put an end to this our government will not do anything. They are already trying to give illegal’s amnesty or green cards without checking to see who they are, where they are from or what they are doing here. I’m sick of it and I’m doing my part by calling INS and ICE when I see something is not right. An example is a child telling me he has nothing to eat because his father did not get paid on Friday and then a month later I see another family member smoking crack/meth on his back patio (via a spotting scope and my son). Now do your job and keep this from your kids!
Source: nbcnews.com

Older Americans Month 2013: Unleash the Power of Age!

For 50 years, May has been the month we celebrate older adults across the nation. You could say that Older Americans Month is coming of age. This year’s theme—“Unleash the Power of Age!”—emphasizes older Americans’ potential for energy and activism and urges them to embrace it.
Source: medicare.gov

Medicare: Did You Really Pay for That?

The amount that American workers have paid and are paying into Medicare isn’t enough to fund all the benefits that are being paid out to seniors under Medicare. The trustees of Medicare have stated that the promises they have made exceed their projected revenues by tens of trillions of dollars. Senator Tom Coburn (a physician in private life) has estimated that the average American couple contributes approximately $110,000 to Medicare over their working careers and receives over $330,000 of Medicare benefits. On Feb. 20, USA Today cited Urban Institute data pegging those same figures at $88,000 and $387,000, respectively. There are differing estimates of the size of the gap, but clearly Medicare suffers from an unsustainable funding deficit.
Source: catholicexchange.com

Jobs in Nigeria.: Jobs in Nigeria

Medicare Nigeria Plc is committed to applying resources and science to improve the quality of life. They provide quality and affordable services to individuals. To ensure we can continue to deliver on our commitments to the… Read More…
Source: blogspot.com

Medicare fund insolvency date a bit further away than last year

Then where was their plan before. Dumb azzes, think, my insurance goes up every year because all of the people without insurance still get sick and go to the doctor. ProBusiness you dumb azz, do you know what bad debt expense is????? Give you a hint, it is an expense and they charge my insurance which then raises their rates. It is all a matter of efficiency, how do you provide some limited insurance for all because we already are paying for it. The Healthcare industry spends over $5 billion every year on lobbying, to put that into perspective, the defense industry spends $1.6. Your congressman and women are bought and paid for two bit whores. We pay more per capita than any country in the world. You don’t like Obama care then what is your plan??? Fat people should lose weight, smokers should pay more and the billing should be transparent and competitiive. Just ripping things down is a sign of ignorance. People keep ripping the illegals, saw something last night driving home through the bad part of town. All the blacks are sitting out on their porches and this one little hispanic guy is pushing his little cart down the street selling whatever he is selling. The low skilled jobs are going to be taken over by the hispanics you watch. I know I am racist now. The trash that makes up the tea party from the right and the left are destroying this country and yes I said too, the extreme left is no dam different than the extreme right.
Source: nbcnews.com

Is Medicare a Ponzi Scheme?

The American Magazine

Moreover, as I’ve argued earlier, given the 44 cent penalty each additional federal tax dollar imposes on the economy, it makes no particular sense to be using tax dollars to pay for Warren Buffett’s Medicare bills in the first place. By the time he dies, he and his now-deceased wife jointly will have had in excess of $350,000 in expected lifetime Medicare benefits bankrolled by taxpayers. Even though he assuredly will have self-financed every penny, the economy will have lost $150,000 in output by running those dollars through the U.S. Treasury instead of letting Mr. Buffett pay for his own retiree medical expenses. There may be some unhinged Occupy Wall Street protesters who think that’s a smart idea. I do not. Serious Medicare reform is going to require a radical rethinking of the role of government in financing retiree health expenses.
Source: american.com

VIP Medicare bariatric surgical patient aftercare

Posted by:  :  Category: Medicare

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All of us in the bariatric surgical field realize the importance of good postoperative follow up. Those patients who have access to good bariatric surgical aftercare have lower risk and better outcomes. Our Medicare patients are particularly at risk postoperatively in part due to their higher rates of underlying health issues, poor nutrition, limited mobility, isolation, difficulty accessing the healthcare system, limited incomes and confusion over postoperative orders. That’s why I was so impressed when I met Shannon Abbott and her colleagues at the Almost Family home Healthcare agency.
Source: americanbariatricconsultants.com

Video: Savvy Medicare Planning by Beacon Wealth Consultants

Is it too late to change my Medigap/Medicare Supplement for 2013?

If you are 65 or older and have been on Medicare Part B for longer than 6 months, you will most likely have to answer some health questions as part of the application process for a new Medicare Supplement/Medigap policy.  The majority of people have no trouble qualifying for a new policy, and usually an agent or broker can tell in the first conversation whether or not you will qualify.  Illinois also has a few companies that have guaranteed issue Medicare Supplements.  These companies never ask health questions of any applicants and will issue a policy to everyone who applies.
Source: bcmil.com

The “Yes, But” That Saves You From Surveyors

The Medicare cost report is to be filed using the accrual basis of accounting. Yes, but Medicare does not require that your internal financial records be on the accrual basis. Many organizations prefer cash basis accounting for its simplicity and for their tax returns. You may choose to have your internal financial statements on the accrual basis but that is your decision and not a Medicare requirement. However, you do obtain better and more accurate information on the accrual basis of accounting. Providers who file cost reports need to convert their year-end financials from cash to accrual for the Medicare cost report.
Source: kenyonhcc.com

CMS to Award New J1 MAC for Medicare Claims

Palmetto GBA in Georgia has been the MAC for Region J1 (now named Jurisdiction E), which includes California, for the past five years. Apparently the new contract has been awarded to Noridian Administrative Services out of Fargo, North Dakota. They have been the Medicare Part A & B MAC for Jurisdiction F, which includes upper mid-West and Pacific Northwest states, for the past five years. The CMS award is currently under appeal and may take more time to finalize.
Source: hfsconsultants.com

Medicare’s deterioration slows as health law blunts costs

Republicans have considered raising the Medicare eligibility age and switching to a system in which beneficiaries get subsidies to buy private insurance, instead of the government paying for their care. Obama has sought to mostly keep the current structure and instead find ways to boost efficiency of the program and reduce excess costs, partly through provisions in the 2010 health-care law he helped create.
Source: pionline.com

Original Medicare Benefit Coverage

Medicare Advantage Plans (also known as Medicare Part C), are plans that are contracted with the Center for Medicare and Medicaid (CMS). You enroll in a specific plan managed by an insurance company. That plans then is responsible for paying for your medical expenses. You are responsible for co-pays and co-insurance.
Source: pqwic.com

Innovative Healthcare Consultants

Earlier this summer, the federal government approved an 11.1% cut in Medicare rates effective on October 1, 2011. As that date nears, seniors and elder care professionals are now bracing for the impact of those cuts – and desperately seeking ways to slash expenses in preparation for significantly reduced reimbursements. Meanwhile, government officials and elected representatives continue to grapple with further deficit cuts to balance the national budget; and according to Bloomberg Business Week, gridlock may be the industry’s only protection against further cuts to Medicare, Medicaid, and other benefit programs – all of which would have a profound effect on health care employees, aging seniors and low-income individuals.
Source: delmartimes.net

Coding Consultant Uses Crowdsourcing for Clinical Pathology Laboratories to Post Amounts Paid by Medicare Contractors for Molecular Test Claims

The rates Palmetto published are inadequate to cover the costs of running some of the molecular diagnostic tests covered by the new molecular CPT Codes, experts said. (See “Low 2013 Molecular Rates May Bankrupt Some Labs,” The Dark Report, February 11, 2013). Many molecular labs are located in California, and experts fear that some of these labs may go out of business because of these low rates. The molecular test fee schedule from Cahaba has not generated as much criticism—partly because Cahaba serves labs in Alabama, Georgia, and Tennessee—where there are not as many molecular testing labs.
Source: darkdaily.com

Must Employers Carry Medicare Eligible Active Employees and Spouses?

Posted by:  :  Category: Medicare

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There is no legal way to remove just Medicare eligible spouses of active employees from an employer group plan or to have Medicare pay as the primary insurer for those individuals.  The Medicare Secondary Payer statute (MSP) 42 U.S.C. §1395y was specifically enacted in 2003 to ensure that Medicare benefits are secondary to employer plans when dealing with non-retirees.  In the context of Medicare, a primary plan is defined as “a group health plan or large group health plan, a workers’ compensation law or plan, an automobile or liability insurance policy or plan (including a self-insured plan), or no-fault insurance.”  The MSP does not allow Medicare payment for services for which it can reasonably be expected that payment will be made under a group health plan.  Medicare’s designation as the secondary insurer is upheld even if state law or the group health plan states that its benefits are secondary to Medicare.  The statute does exclude group health plans of small employers.  Small employers are defined by the statute as having less than twenty (20) employees for each working day in each of twenty or more calendar weeks in the current calendar year or the proceeding calendar year.   As you’ve probably guessed, the purpose of the MSP was to reduce federal health care costs by shifting the burden of primary coverage from Medicare to private insurance carriers. 
Source: lexisnexis.com

Video: Will My Non-Working Spouse, Who Turns 65 Before Me, Get Medicare at Age 65?

Social Security Taxable Wage Limit and Employee Rate Increased for Year 2013 : ADP Compliance Insights

On October 16, 2012, the Social Security Administration announced an upward cost-of-living adjustment for the Social Security taxable wage limit. For year 2013, the amount of earnings taxable for Social Security (Old Age, Survivors and Disability Insurance, or “OASDI”) will increase from $110,100 to $113,700. The temporary decrease in the employee tax rate from 6.2% to 4.2%, last extended under the Middle Class Tax Relief and Job Creation Act of 2012, will expire on December 31, 2012 absent Congressional action to extend it further. ADP will monitor year-end tax legislation closely for potential changes. Therefore, the 2013 tax rate for employees will increase to 6.2% from the 2012 rate of 4.2%.  The employer rate will remain unchanged at 6.2%.  With this increase in taxable wages, the maximum Social Security tax payable by an employee will be $7,049.40, an increase of $2,425.20 from the current maximum tax of $4,624.20. Employers will match the employee’s 2013 contribution of $7,049.40, an increase of $223.20 from their 2012 maximum of $6,826.20.
Source: adpcomplianceinsights.com

Immigration Reform And The Financial Health Of Medicare

Our study, published today as a Health Affairs Web First article, examines these variables as they relate to the Medicare program and finds evidence that contradicts the pervasive wisdom. We calculated the total dollars contributed to and received from the Medicare Hospital Insurance Trust Fund (“Trust Fund”), which pays primarily for inpatient care, for both immigrants and U.S. born citizens. We found that between 2002 and 2009, immigrants contributed $115.2 billion in excess of what they utilized. During this same time frame, US born persons withdrew $28.1 billion more than they contributed. Although we could not measure the contributions to the Supplementary Medical Insurance Trust Fund (which primarily pays for outpatient care), we examined average expenditures by immigrants and US-born persons to this fund and found that immigrants spent less than US born persons: $175 per year less on average.
Source: healthaffairs.org

Immigrants put billions into Medicare, study says

Although the paper does not examine what happens as the demographics of the immigration population shifts, lead researcher Leah Zellman and the rest of the Harvard team acknowledge that the way immigrants finance Medicare may change in the future. They said that a path to citizenship could result in a dual impact on Medicare funding. For the short term, a pathway would boost payroll collections from immigrants. However, for the long term, aging immigrants could increase the cost of the program.
Source: nbclatino.com

Immigrants Help Subsidize Medicare Finances, Study Shows, Immigration

Between 2002 and 2009, immigrants generated a cumulative surplus of $115 billion for the trust fund, the study found. Most of the surplus contribution came from noncitizens. The immigrants created a net gain primarily because of demographics: There are 6.5 immigrants of working age for every one elderly immigrant, but only 4.7 working-age native citizens for every one retiree. Although that ratio could change in the future, the report notes that the Census Bureau projects that the share of immigrants in the United States will increase for the next 18 years.
Source: aarp.org

The S Corporation Loophole in the 2013 Medicare Surtax and Disregarded Entity Owners

Imagine Paul and Chris own a successful restaurant business. Paul is a passive investor and Chris is the head chef in the restaurant. The restaurant pays Chris a salary of $180,000 a year, a reasonable wage for his services. After paying all of its other operating expenses, the restaurant has $100,000 in net income to distribute to Paul and $140,000 to distribute to Chris. Regardless of whether restaurant is taxed as a partnership or an S corporation, both Chris and Paul will pay income tax on their distributions and Chris will pay self-employment taxes on his salary of $180,000 (approximately $27,000). If the restaurant is taxed as a partnership, then Chris will also pay self-employment taxes on the full amount of his distribution (approximately $21,000), plus an additional 3.8% surtax on $120,000 of net investment income, which is the amount of his distribution in excess of the $200,000 MAGI threshold (approximately $4,560). 
Source: hawleytroxell.com

Sorting Out the New Medicare Tax for Business Owners and Self

Of course, there’s lots more detail than this. William Perez, Guide to Tax Planning, has an excellent article that explains Medicare Tax and Unearned Income; his article includes a calculation to show how the increased Medicare Tax might work, and some tax planning strategies for minimizing Medicare taxes.
Source: about.com

2013 Form 941 And Instructions Include New Line For Additional Medicare Tax

In addition to withholding Medicare tax at 1.45 percent, employers must withhold a 0.9 percent Additional Medicare Tax (AMT) from wages paid to an employee exceeding $200,000 in a calendar year. AMT withholding must begin in the pay period in which wages exceeding $200,000 are paid and must continue for each pay period until the end of the calendar year. AMT is only imposed on employees; there is no employer share of AMT. All wages subject to Medicare tax are subject to AMT withholding if they exceed the $200,000 withholding threshold.
Source: jdsupra.com

Aegis, Other Rehab Clinics Want Medicare FCA Suit Trimmed

Aegis Therapies Inc. and several related rehabilitation therapy companies on Friday asked a Georgia federal judge to dismiss all federal government claims in a whistleblower False Claims Act suit accusing them of overbilling Medicare, arguing the allegations aren’t supported by law. Read More…
Source: lexisnexis.com

The Bonddad Blog: A thought for Sunday: the best jobs program = allow Medicare eligibility at age 55

- by New Deal democrat Regular economic blogging will resume tomorrow (and I know, because the post is already cued up). In the meantime, consider the following thoughts over my Sunday morning coffee, which hopefully aren’t too incoherent…. One of the many ranting points I see on progressive blogs is against “the top 20%” who are apparently presumed to be the functional equivalent of Jamie Dimon. Not so. Many of “the top 20%,” in terms of wealth as opposed to income, are also known as “mom and dad.” If you look at the Census Bureau’s breakdown of average wealth by age group, the most prosperous are those on the verge of retirement. They’ve had 30 or 40 years to gradually build up savings. For example, a couple who each have $50,000 jobs (in today’s dollars) and live frugally by spending half of their net earnings and saving the other half (roughly giving them $30,000 savings per year) will become millionaires in about 25 years (thanks to compounding and return on investments). Obviously this isn’t the majority – the median wealth of people in the 55 – 64 cohort is something like $200,000 – but a non-trivial percentage of middle class workers ultimately reach this milestone. And you know what they would like to do more than anythings else? Retire! I know this not only from personal conversations with my fellow fossils, but also through a discussion with an accountant recently in which he told me that the number one reason most of his older clients haven’t retired yet is because they are afraid to before they are eligible for Medicare. Or they have to continue to work after age 65 themselves because they need their health insurance to cover their spouse until their spouse reaches age 65. Meanwhile, people like David Leonhardt in the New York Times are writing about Today’s Idled Youth,” describing how the ongoing Hard Times have hit the young perhaps harder than any other group. They bought into the American Dream of studying for a degree, becoming a professional of some sort, and hoping for a decent middle class existence. Instead, they are taking clerical or entry level service jobs, or even worse, unable to find a job. You can see where I’m going with this now, right? Here we have the older workers, hobbling to the finish line, but unable to end the race. And here we have young workers, itching to get started, and they can’t because there are no jobs, or no middle class jobs, for them. And the one thing that would cause the many older workers who have saved for retirement to be able to leave the workfoce, and clear the way for those frustrated younger workers, is guaranteed medical care. Fortunately, we have a program that provides exactly that: it’s called Medicare, and according to those already on it, it works really really well. And it works at much lower administrative costs than for-profit private coverage (If I recall correctly, Medicare’s administrative costs are something like 3%, vs. 15% for for-profit plans)(UPDATE: According to the CBO, Medicare’s administrative costs are 2%, vs. 17% for for-profit plans. And Medicare premiums have consistently risen less than private health insurer premiums) . And also unlike for-profit plans, in Medicare there’s no incentive to deny coverage. As in, yes you can buy into a private plan at age 60 for example, but it will be very expensive and you’d better pray they don’t come up with an exclusion if a disease of age catches up with you. Atrios has written a number of times about increasing Social Security payments. Balderdash, say I. If you really and truly want to make a dent in the persistent employment problem facing younger workers, allow anyone age 55 or above to buy into Medicare. Charge them annual premiums equal to what they would have to pay into Medicare at their same wage or salary until age 65 if they continued to work. You would be amazed to see how quickly Boomers can still move, cleaning out their offices and cubicles, when properly motivated. And then younger workers could move right in. It’ll never happen, of course, because it smacks of the New Deal, not the “21st Century” privatized solutions Barack Obama has touted since 2009. And of course the GOP will never allow it, not just because it smacks of the New Deal, but because if Obama came out in favor of it, they would oppose it for the simple reason of opposing everything Obama wants. But that doesn’t mean we shouldn’t acknowledge that it is a real solution to a real problem, and collectively rub Washington’s Very Serious People’s noses in it.
Source: blogspot.com

The Medicare and NII Tax: How are your funds affected?

However, like everything tax related, there are exceptions to the rule and you may find it worthwhile to explore these exceptions. For instance, income received as a distribution with respect to a limited partnership interest is not subject to self-employment tax. Thus, many investment management companies have been set up as limited partnerships to receive the management fee with a 99%:1% split in income between the limited partners and general partner, as only the general partnership interest is subject to the self-employment tax (although it is highly recommended that the management company pay the managers reasonable compensation which is taxed as ordinary income and subject to self-employment tax). Similarly, distributions with respect to a carried interest have been exempt from self-employment tax.
Source: frankandtothepoint.com

MEDICARE; WHEN TO ENROLL

If you’re not on Social Security, you must apply for Medicare at (800) SSA-1213, www.ssa.gov, or any SSA office.                                                                               Resources.  For more details about eligibility and enrolling, see SSA’s “Medicare” publication at http://ssa.gov/pubs/10043.html.  To learn about Medicare coverage and gaps, browse www.medicare.gov, especially their comprehensive “Medicare and You” publication at http://www.medicare.gov/pubs/pdf/10050.pdf. All this is covered in some detail in my book, Social Security, The Inside Story.
Source: retireusa.net

Anthem Medicare Preferred PPO Plan and Rates

Posted by:  :  Category: Medicare

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Source: johnconner.com

Video: Physical Therapist Washington DC – Tel:(202) 223-1737

California Medicare Insurance: Anthem Medicare Preferred PPO Replaces Freedom Blue for 2012

One of the newest Medicare Advantage plan in California for 2012 is the Anthem Medicare Preferred Standard PPO or AMP. The Anthem Medicare Preferred is the newest successor to the Freedom Blue Regional PPO plan that became very popular over the past few years. The plan offers significant freedom of choice in regards to your medical service providers. The AMP PPO plan is only available in select counties throughout California and the benefits are different from county to the next. The plans are grouped below by counties that share the same benefits:
Source: blogspot.com

Medicare Targets Health Plans With Low Ratings

Medicare officials are encouraging 525,000 beneficiaries to switch out of these 26 Medicare Advantage and drug plans that have received low ratings for three consecutive years and enroll in better plans for next year. The poor performing plans will have this warning symbol next to their names on Medicare’s plan finder website to steer shoppers to other plans.
Source: kaiserhealthnews.org

Anthem Medicare Part D Preauthorization

Enjoy health care resources and a wealth of health information designed to make health maintenance easier. Anthem Medicare Ins Anthem Medicare Advantage, Supplement and. Anthem Blue Cross : Medicare Part D. Health Coverage plans for Maine, New Hampshire, Connecticut, Virginia, Indiana, Ohio, Kentucky, Colorado and Nevada. Find a plan, get a quote and apply online. Medicare Consumer Guide provides simple explanations regarding Medicare plans and Medicare health insurance coverage including Medicare Part D, Parts A & B, and more.
Source: rediff.com

Anthem medicare rx pa form

What is WINDSOR RX PDP? Aetna ( Aetna-CVS, Aetna Medicare Rx Premier Plans); Anthem org/index.pl/home/medicare-part-d/cignature-rx-pa-forms-and-related-information/general_pa_form_cigna.pdf File Preview:Anthem Blue Cross and Blue Shield Medicare Part D … Instead of calling Express Scripts to request a PA fax form, please of California Medicare Rx Plan Blue MedicareRx Standard (PDP)
Source: blog.cz

Medicare Advantage: Anthem Medicare PPO Alternative in Las Vegas, NV

The second option is to upgrade to a Medicare Supplement.  Because your plan is not renewing, you have the guarantee issue right to a supplement.  You cannot be denied for health history.  The monthly cost will be higher than that of the PPOs, but a supplement will give you freedom to see any doctor that accepts Medicare and you will no longer have co-payments if you select a Medicare Supplemental Plan F.
Source: suncityfinancial.com

Medicare Advantage Plans From Anthem Blue Cross

An Anthem Medicare Advantage HMO offers low or no monthly premiums, so your dollars can really stretch. You’ll be using doctors and hospitals that are within the Anthem network, so you’ll find that the savings are substantial. You will also have access to hundreds of preventive and wellness programs, discounts on products and services, and tools and kits that can help educate and guide you about ways to live a healthier lifestyle. Part D Prescription Drug Coverage is included.
Source: medicareoptionsnow.com

‘Zero, Zero, Zero’ Medicare Advantage Plan

In Missouri (excluding 30 counties in the Kansas City area) Anthem Blue Cross and Blue Shield is the trade name for RightCHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC), and HMO Missouri, Inc. RIT and certain affiliates administer non-HMO benefits underwritten by HALIC and HMO benefits underwritten by HMO Missouri, Inc. RIT and certain affiliates only provide administrative services for self-funded plans and do not underwrite benefits. Independent licensees of the Blue Cross and Blue Shield Association. ®ANTHEM is a registered trademark of Anthem Insurance Companies, Inc. The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross Blue Shield Association. Additional information about Anthem Blue Cross and Blue Shield in Missouri is available at www.anthem.com.
Source: springfieldmonews.com

How to Choose the Medicare Advantage Plan that’s Best for You

Medicare Advantage plans can be attractive because of the low or $0 monthly premiums insurers charge.  Like anything in life, there are trade offs and sacrifices we all have to make.  When it comes to Medicare Advantage plans, the trade offs are usually less freedom when it comes to which doctors and hospitals you can use as well as more restrictions or red tape when it comes to getting services covered.  In order to choose a Medicare Advantage plan wisely, I’ve come up with an easy guideline to follow.  Following these steps should hopefully ease the potential frustrations within Medicare Advantage.
Source: medicareplansstcharles.com

Medical Insurance For Senior Citizens, Affordable Medical Insurance, Medical Abbreviations, : ATTENTION DELAWARE MEDICARE BENEFICARIES

Posted by:  :  Category: Medicare

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Source: projectedu.com

Video: Medicare Gap Insurance in Delaware by 1-800-MEDIGAP®

Medicare Now Covering Gastric Sleeve in Our Region

What is Gastric Sleeve? The gastric sleeve procedure is an innovative way to reduce weight, lower obesity related illnesses, and improve the quality of your life. During gastric sleeve surgery at CHRIAS, one of our three board-certified surgeons will create a smaller, sleeve shaped stomach from your stomach pouch. No re-routing of the intestines (like with gastric bypass) is necessary. For this reason, patients experience fewer complications while still enjoying weight loss and improved health benefits. Typically, after having gastric sleeve, patients will feel satisfied eating smaller 3-4 ounce portions.
Source: chrias.com

Office of Statewide Benefits provides information on Medicare Parts A, B enrollment

Failure to enroll and maintain enrollment in Medicare Parts A and B upon eligibility may result in the subscriber being held financially responsible for the cost of all claims incurred, including prescription costs. Retirees and spouses enrolled in Medicare Parts A and B must provide a copy of their Medicare Identification Card to be enrolled in the state of Delaware Special Medicfill plan.
Source: udel.edu

Medicare Auditors Say Millions Could Be Saved By Limiting Advance Payments To Insurers

Baltimore Sun: St. Joseph Strikes Deal With Medicare To Recoup Some Of Lost Billings University of Maryland St. Joseph Medical Center will be able to recoup some of the tens of millions of dollars it lost while operating without a Medicare certification under a compromise reached with federal officials. The Towson hospital will be able to bill Medicare for treatment given to patients in the federal program since Jan. 7, about six weeks before it regained what is known as a Medicare provider agreement. St. Joseph had operated without one since the University of Maryland Medical System bought the hospital and chose not to renew its existing Medicare certification. Medicare won’t reimburse hospitals for treatment if they lack the certification (Dance, 4/15).
Source: kaiserhealthnews.org

The Delaware Libertarian: Getting a grip on health care costs: the wrong conclusions

But why does this incentive exist? To explain, let me go to Dr. Vince Schaller, a local physician and small businessman who is the Medical Director and owner of Hockessin Walk-in Medical in Lantana Square.  Dr. Schaller recently appeared at the Libertarian Party of Delaware annual convention, and explained in great detail how procedures like colonoscopies moved from the doctor’s office to the hospital surgery center, and–more importantly–why this will continue to get worse under Obamacare. Existing insurance regulations, Schaller explains, allow for hospitals (both for admitted patients and in out-patient settings like emergency rooms and surgery centers) to charge much more for the same procedures that could easily and safely be handled in a doctor’s office or a storefront clinic. For example, Schaller cites the fact that under Obamacare the insurance companies pay hospitals four times the amount to do a cardiac stress test than they allow for the exact same test (on the exact same equipment) conducted in a physician’s office. “As a result,” Dr. Schaller told the Libertarians, “the three largest, oldest, and most widely respected cardiology groups in Delaware–one in each county–have all closed their doors and sold their practices to the local hospitals within the last year.  Because the insurance regulations under Obamacare prohibit them from even breaking even on the procedures, they have gone from independent doctors to hospital employees.” There is a hidden cost here, Schaller notes.  Independent doctors running their own practices often work the 60-80 hours weeks that other small businessmen do, in order to keep themselves afloat.  But when the same doctors then become hospital employees, “there is no longer any incentive for them to work beyond their 40-hour week.  So you automatically lose about 1/3 of their capacity.” Obamacare has made a bad problem worse, Schaller notes, with the austerity cuts to Medicare and Medicaid.  “For many services I am now being compensated well below the actual costs of delivering the services, and insurance companies drop their rates to independent doctors every time Medicare and Medicaid does.  On the other hand, hospitals (many of whom are now partly owned by the insurance companies) are getting three and four times what I receive for the same service.” Schaller also points out that health insurance companies are being allowed by lax regulators to manipulate prices within markets as well.  “Highmark is a part owner of MedExpress.  Highmark pays its own doctors in MexExpress clinics higher rates for almost every service than it pays independents like Hockessin or Eden Hill (in Dover).  The state insurance commissioner has been asked on several occasions to examine this practice, but has consistently refused.  You cannot tell me there is no inherent conflict of interest if you are paying your own partly owned subsidiary higher rates in order to drive its competitors out of business.” (Side note:  Dr. Schaller reports that his own rates of compensation for services from the biggest insurance companies has remained flat for a decade.  In the meantime, what they pay hospital chains for the same services has increased nearly 400%–as has his malpractice insurance.  Why?  “Look at how many hospital chains and big insurance companies are now interlocking companies,” Schaller says.  “Then you’ll see that they are carefully taking care of their own business interests, not patients.  Doctors have become disposable employees.”) Hear that, Karin Weldin “See No Evil” Stewart? Let’s go back to the NYT article:
Source: blogspot.com

Delaware IAB Enforces MSA Commutation Where Surgery Is Proposed After the Fact…and a Cupcake

.  They comment that “in this case there was no fraud or deception in the making of the agreement.  Both parties agreed that, if Employer could obtain CMS approval of an MSA and funded it, then Claimant would commute his receipt of medical benefits in exchange for the MSA account.”  The concern that the MSA approval might ultimately be deemed invalid by CMS due to the recent surgical recommendation was considered “speculative”, with the further explanation that “the Board does not have jurisdiction or authority to declare the MSA approval invalid.”
Source: lexisnexis.com

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June 05, 2013

MEDICARE SUPPLEMENT INSURANCE STILL IN VOGUE

Posted by:  :  Category: Medicare

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When a Medicare enrollee purchases a Medicare supplement Plan N they are making a commitment to participate in their healthcare costs, while still maintaining their freedom to use the services of any physician or hospital. Plan N requires the insured to pay their annual Medicare Part B deductible, up to a $20 physician’s office co-pay, a $50 emergency room co-pay unless admitted to the hospital and any excess charges over and above the Medicare approved charge. One should note that Medicare excess charges very rarely even exist as almost all physicians and hospitals accept the Medicare approved charge as full payment. This is called Medicare assignment and the consumer can contact their physician’s insurance billing office to confirm that they accept assignment and are considered a “participating” provider. Healthy, typically younger Medicare enrollee’s see Medicare supplement Plan N is a viable alternative to a Medicare Advantage plan. Medicare supplement Plan N offers substantially reduced premiums when compared to a Medicare supplement Plan F while maintaining the “freedom of choice” not offered by a Medicare Advantage plan.
Source: askmedicareblog.com

Video: Medicare Advantage vs. Medicare Supplement Insurance

MedicareBob’s Blog: AARP Medicare Supplement Plans

My favorite thing about AARP Medicare Supplement Plans is that AARP does not require a member to “re-apply” to switch Plans. For example, if you have a Plan N and you want to upgrade to a Plan F, AARP is one of the only Companies that will let you do this without medically qualify. AARP is one of the insurance companies that I represent, if you would like to get your quote, or enroll (I am one of the only Agents approved to perform “telephonic enrollments” with AARP), please contact me. Robert W. Bache aka MedicareBob 1-855-368-4717 Bob@MedicareBob.com www.MedicareBob.com Robert Bache, “MedicareBob” is the owner of Senior Healthcare Direct. Senior Healthcare Direct is a fully telephonic Medicare Insurance Agency that is licensed in 36 states. MedicareBob’s Principles:
Source: blogspot.com

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June 05, 2013

What is the Initial Enrollment Period for Medicare?

Posted by:  :  Category: Medicare

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On the other hand, if you are 65 and not yet receiving benefits from SSA or RRB (because you’re still working), you will not be enrolled in Part A or Part B automatically even if you are eligible. You will need to sign up for Original Medicare during your Initial Enrollment Period or face a late enrollment penalty. You can submit an application online to the SSA, fill out a paper application at your local Social Security office, or call Social Security at 1-800-772-1213. If you worked for a railroad, you should contact the RRB. If you wait until your birthday or sign up during the last three months of your Initial Enrollment Period, your Medicare Part B start day will be delayed.
Source: ehealthmedicare.com

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

medicare enrollment application 2 weeks before end date?

Hi all, I just wanted to check on this, because it seems fishy to me. My employer gave me a packet for medicare enrollment application (reassignment of medicare benefits). They just told me to sign it and give it back. However, I put in my resignation weeks ago and my last day is in 2 weeks. I’ve worked here for about 8 months. They checked the box "You are enrolling or are currently enrolled in Medicare and will be reassigning your benefits to this supplier for the first time." I get the reason for this, but shouldn’t it have been when I first started here? Almost all my patients have medicare. I have a new job that I’ll be starting in a few weeks and I don’t want to "reassign" my benefits to a job that I’m about to leave. I just wanted to make sure this is appropriate for me to be filling out right before I’m about to leave. Won’t I have to submit a termination of benefits directly following this? Thanks
Source: physicianassistantforum.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

Medicare General Enrollment Ends March 31st: Opportunity for Some to Access QMB Coverage 

Even if unable to get a clear answer, one might pursue such enrollment as follows: Secure a Form 795 from the Social Security Administration (SSA) (available online at www.ssa.gov/online/ssa-795.pdf)  and type or write  into the large blank (lined) space the following:  "I wish to enroll for Hospital Insurance under Medicare on a monthly premium basis, which is in addition to my current coverage for Medical Insurance (or "I also wish to apply for Medical Insurance" if the client does not have Part B).  I understand that the State will pay my premium based on my eligibility for Medicaid (Medical Assistance) as a Qualified Medicare Beneficiary.  I also understand that if I am terminated under Medicaid (Medical Assistance) as a Qualified Medicare Beneficiary, I will have to pay my premium if I want to keep my Medicare Part A Insurance."  The beneficiary should give the form to SSA with her/his application for Part A, but also make a copy for her/himself to take to the Medicaid agency to apply for QMB benefits.
Source: medicareadvocacy.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

Seniors' Knowledge and Experience With Medicare's Open Enrollment Period and Choosing a Plan: Key Findings from the Kaiser Family Foundation 2012 National Survey of Seniors

The survey finds one in four seniors say they are unaware of this annual opportunity to review and change their Medicare coverage, with even larger shares who say they are unaware of Medicare’s open enrollment period among blacks and Hispanics and those seniors in fair or poor health, with low incomes, and without a high-school diploma.
Source: kff.org

MEDICARE; WHEN TO ENROLL

If you’re not on Social Security, you must apply for Medicare at (800) SSA-1213, www.ssa.gov, or any SSA office.                                                                               Resources.  For more details about eligibility and enrolling, see SSA’s “Medicare” publication at http://ssa.gov/pubs/10043.html.  To learn about Medicare coverage and gaps, browse www.medicare.gov, especially their comprehensive “Medicare and You” publication at http://www.medicare.gov/pubs/pdf/10050.pdf. All this is covered in some detail in my book, Social Security, The Inside Story.
Source: retireusa.net

CMS Announces 2013 Application Fee for Medicare, Medicaid and CHIP

On November 30, 2012, CMS announced the 2013 application fee for those providers initially enrolling in Medicare, Medicaid, or CHIP or revalidating an enrollment or adding a new location.  This application fee applies to those providers submitting an 855A application form, which is the form that health centers use to enroll in the Medicare program. The 2013 fee will be $532.00, effective January 1, 2013.  This is a $9.00 increase over the 2012 fee.
Source: nachc.com

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June 05, 2013

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

Posted by:  :  Category: Medicare

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

Video: SilverSneakers Members Travel to Washington

KINGSPORT SENIOR CENTER AND KINGSPORT AQUATIC CENTER OFFER BIG SAVINGS FOR SENIORS

Increased physical activity opens the door to greater independence and a healthier life. With SilverSneakers there is no reason not to jump in! Take advantage of free memberships and senior savings and come splash around at the Kingsport Aquatic Center. For additional information amenities available at the new Kingsport Aquatic Center, visit http://www.swimkingsport.com.
Source: swimkingsport.com

Free Silver Sneakers Plan for Medicare Advantage Plan Members at Guilford Fitness Center

Mom of three teenage boys and happily married for over 27 years. Our family has struggled with chronic health issues for many years. It was for this reason that I became interested in Xocai healthy chocolate. Our entire family eats healthy chocolate every day and I am currently losing weight with the Xocai X-protein meal shake. I have struggled with Fibromyalgia for over 10 years. If you are struggling with your health, you owe it to yourself to check this out. This is the best way I have found to incorporate significant antioxidants into our diet. Feel free to email me if you have any questions. I look forward to hearing from you!
Source: healthchocoholic.com

SilverSneakers Medicare Programs

So, what exactly is SilverSneakers?  SilverSneakers is essentially a gym membership or fitness club membership to participating centers across the country.  You can find participating gyms by going to www.silversneakers.com and typing in your zip code.  You can find out if your Medicare plan offers Silver Sneakers by calling 1-888-423-4632.  Here are some of the features offered by SilverSneakers.
Source: medicare-plans.net

Silver Sneakers Fitness Program

My Medicare plan includes a Silver Sneakers fitness program designed exclusively for seniors.  It’s a proactive way to prevent costly medical bills, by encouraging older adults to manage their health and fitness themselves.  If you aren’t sure if this program is available on your plan, check your Medicare supplement card for this logo or contact your customer service office. Also, there is a Silver Sneakers on-line program which has exercise videos, tips, and will track your fitness progress at this site: http://www.silversneakers.com/HealthPlanLocator.aspx
Source: wordpress.com

Medicare: What Is Treatment

Initially and foremost, you must decide should you can justify the more exhaustive doctor/hospital coverage where it comes with any Medicare Supplement package. These options are more expensive than Medicare Bonus plans, some of which have definitely low premiums. However, if you have any ongoing or potential health problems, the Sc Medicare Supplement could possibly save you much, much more hard cash than it is priced at you over its course of your own year. Humana is one on the few insurance businesses that offers a ebook called “silver sneakers” to all inside of their Medicare supplement insurance plan participants. Plan will pay when it comes to things many people find very important, because fitness classes and as well as gym memberships. However, not completely gyms and bodily fitness classes participate in this program. Once fitness is in order to you, this can be a great reason to buy a Humana Medicare supplemental insurance as the only possible other well-known insurance company that offers this system is AARP. It has nice to will be aware that free medicare supplement plan f advice online are predictable. Boring, but predictable, is often a good thing should you happen to navigate around a lot. Being the aforementioned everywhere is great news when you to help pick-up extra coverage, but are not able to turn to private health care insurance companies. The last mistake to fight shy of in selecting The state of texas Medicare insurance is attempting to do this on your own. With ten different supplement plans and changing laws, the entire mess can be difficult on a good day. Will be able to use the specialists of a high-quality insurance broker to assist you find accurate policy for requirements. The broker keeps as a result of all the plans and related modifies. The broker can review your own coverage and anyone advice on which actually policy will prime meet your needs. If you want to store money, use an fx broker. There are many different options to fit each needs of every person. The medicare plans, be it, Medigap, or Advantage offers are not candy bar cutter plans, not solely everyone fits into a certain plan, that is purpose you need the perfect variety of insurance policies presented to your company to see and it one is fantastic for you. Create not shop simply by price, shop to achieve your insurance just your needs. Be sure what you get for your own desires will work to achieve you, there can nothing more not that simple then buying a plan because it has inexpensive or free, only to seek out out your doctor doesn’t accept it, or your out of pocket fees are so sizable that you would be afraid to benefit the coverage for you just bought, or simply that you won’t have control to successfully submit your man or women claims when for reimbursement. Practically any changes in travel plans will you should always be covered if ever a traveler avails of this strategy. The assurance provider will find yourself the one those pays for commissions that will often allow a passenger to catch to the peak or go non commercial. For claims so that you be valid 3 common exercise reasons are promising including a the situation of illness, injury, or death. With Medicare Part The actual and B people are able in order to supplemental insurance that assists fill in your current gaps of is actually not covered. Medicare supplemental plans A, B, C, D, F, G, K, L, N and N offer benefits ranging caused by hospitalization co-pays with regard to deductibles. Almost services not included in Medicare all the recipients’ responsibility unless a Medigap strategize has been attained through an private insurance company. Medigap is the phrase used for the actual that is buy online to cover most of the gaps left by Medicare. Furthermore there are, without some doubt, plusses and minuses to both types of plans. This article is to be a overview of help you using comparing both Sc Medicare Supplement systems and South Carolina Medicare Advantage opportunities so you is likely to decide which option is more advantageous for yourself. Is very grateful just that people are having able to comprehend the needs to do with health insurance and as a result adopting Medicare preparations to secure their precious elder lives. There are other good insurance insurance covers to secure some life as extremely well as these solutions provide inexpensive a satisfactory amount of coverage and many of people who will are using this type of insurance firms as it is undoubtedly not so costly, but only low-priced. Nowadays, Medigap plans may be the most present-day standardized Medigap plans provided by its top insurance specialists comparing with other plans of private insurance companies.
Source: typepad.com

Silver Sneakers Fitness Program

Unlock the door to greater independence and a healthier life with SilverSneakers. Health plans around the country offer our award-winning program to people who are eligible for Medicare or to group retirees. SilverSneakers provides a fitness center membership to any participating location across the country.
Source: reallifedeals.com

SilverSneakers keeps older adults healthy and active

The SilverSneakers Fitness Program was founded in 1992 on the premise that, in order for health care to be viable in the long run, cost-effective, preventive benefits need be incorporated into the entire care continuum to reach people of all ages, explains Lindsay Montague, a SilverSneakers instructor at Rockwell Collins Rec Center in Cedar Rapids. Health plans around the country offer the program to people who are eligible for Medicare or to group retirees.
Source: thegazette.com

Healthways’ SilverSneakers program treads on

Paramount, a health insurance company located in Maumee, Ohio, is the latest company to align itself with Healthways’ SilverSneakers program, an exceedingly popular senior adult fitness regime that has quite literally taken the health care market by storm since its inception in 1993.
Source: nashvillepost.com

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