Florida Medicare Supplement Plans

Posted by:  :  Category: Medicare

Did you know that even if you already have a Medicare supplement plan in Florida that you can change insurance companies anytime throught the year?  Most people think the only time you are allowed to change Florida Medicare supplement plans is during the “Annual Election Period”.  This is not true as the “Annual Election Period” is for Medicare Advantage (Part C) plans and Medicare Part D Plans. 
Source: floridamedicareplans.com

Video: Florida Medicare Supplements

Medicare Supplement~ Which One Do You Use?

Plan F has the highest benefit level, and as you would expect, it costs the most among all the Medicare Supplement plans. With Plan F, if Medicare covers it, the supplemental plan picks up all the slack … 100% … period. The big IF … does Medicare cover the particular service in the first place. As far as insurers, rates are going to vary county to county, and needless to say, state to state. As an attorney, you should appreciate a difference I found when comparing applications. I had initially decided that Blue Cross’s rate was satisfactory and began filling out their application. When I came to the part about binding arbitration of disputes, I noticed that the language included, not only disputes arising between the insurer and the insured, but any potential legal malpractice claims arising between the insured and the service providers. That was a no go for me. Blue Shield’s application did not include such a provision, so my choice was made. They have been outstanding in claims payments (100%) and have even refunded premiums because they exceeded their self imposed annual profit profile.
Source: thehulltruth.com

Getting Familiar With Medicare Supplemental Insurance

Alternatives here . total four levels of Medicare (Type A, B, C and D) that go over different feature of medical coverage Is your group health insurance ending Find out why Medicare Supplement Plan F could be right for you. Medicare type A pays off their hospital expenses during your overnight trip there. Medicare type B deals with your medical expenses for routine medical expert fees and tests. Medicare breed of dog C is an optional coverage. Medicare type D covers your will cost you for buying the prescribed drugs. All these variations have their have possession of limitations which will exhaust all your entire coverage.
Source: countryroadsradio.org

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

Florida Exclusive Medicare Supplement Leads Now Available from Benepath

With a business boost using Florida Medicare supplement leads, an insurance agent helps seniors stay healthy. “These days, Florida Medicare supplement leads are hot items. The nation is graying, and baby boomers have come to a transition point in their lives where they now qualify for Medicare, and also need Medicare supplements to fill in the gaps. It’s a captive market, in that health insurance protects a senior’s most precious asset – their health,” indicated Clelland Green, RHU, CEO, and president of benepath.net, Pennsylvania. Insurance agents working this niche, and buying Florida Medicare supplement leads, are aware that many, but not all, seniors have reached a point in their lives where they are more financially comfortable; a result of saving all their lives. Provided they are not spending their cash reserves on nursing home care, they are relatively well off. In reality, they likely also paid relatively little for their house, compared to today’s market. Many seniors still own their own homes, fully paid for and mortgage free. “While they are still paying property taxes, gone are the days of handing out cash to pay off their mortgage. What was once a $45,000 home may now be worth $450,000, and although their money is tied up in the house, they may have fewer expenses, which simply means they may have more on hand to buy Medicare supplements,” suggested Green. The beauty of using Florida Medicare supplement leads is the opportunity it provides for insurance agents to sell a worthwhile product that helps their customers. Most seniors want to protect their assets, particularly after a lifetime of working for them. “Protecting their health is a vital consideration for them, and if you have the right Medicare supplement products, you will be able to sell them. One distinct benefit is Medicare supplements take care of co-payments; a significant issue for seniors, should they become ill,” Green added. Choose a lead generation company with a sterling reputation, and order exclusive Florida Medicare supplement leads for the best return on the investment of business dollars. Even though running an insurance agency is a business, many agents are in this line of work because they genuinely want to help others and see them stay healthy. To that end, many agents also offer seniors long-term care insurance, final expense insurance and a variety of financial planning options. Insurance these days is pro-active and aimed at bettering the lives of clients. To learn more, visit http://www.benepath.net
Source: sbwire.com

Naples, Florida Seminar Helps Retirees Understand Medicare

PRLog (Press Release) – Apr. 29, 2013 – NAPLES, Fla. — Medicare Specialist Helen Hreen will present a free seminar titled, “Welcome to Medicare Madness,” Friday, May 3, and Wednesday, May 8, from 10 a.m. to noon at the M Waterfront Grill in the Venetian Village, 4300 Gulf Shore Blvd. in Naples. A complimentary luncheon will be served. The seminar is intended to educate retirees and near-retirees who are confused by Medicare, Medicare supplement plans and prescription drug plans – whether they’re new to Medicare, losing retiree benefits or new to the area. Beneficiaries who will be losing their coverage to the liquidation of Universal Health plans will be particularly interested in this information. Topics include how health reform affects Medicare, supplemental insurance options and drug plans. With more than 30 years of healthcare and insurance experience, Hreen is in a unique position as Medicare Specialist to provide up-to-date information on all aspects of Medicare, offer comparisons, and assist seniors in choosing options that are right for them. Seating is limited. For reservations, please contact (239) 384-7014.
Source: prlog.org

Aflac Medicare Supplement Underwriting Update

To assist you in resolving any pended cases you may have in underwriting, we want to remind you that all communication to you regarding your new business is sent via email to the email address you provided at the time of your appointment.  CHCS Services, Pensacola, Florida, is the administrator for all Aflac Medicare Supplement business.  Anything related to policy administration, policy issue and commission is managed through CHCS Services.  If you submit an application that must be pended for any reason, you are immediately notified via email from CHCS Services of the outstanding requirements.  CHCS has indicated that some agents are not following up on the outstanding requirements.  We believe that this may be the result of your intended email going to your spam or junk folder.  Or, you may not be familiar with CHCS Services and like many people, fail to open an email from a recipient that you do not recognize.
Source: ihealthbrokers.com

Competitive Medicare Supplements in Florida

Are you an Insurance Forums member yet ? To sign up for your FREE INSTANT account, please fill out the form below ! Username:     Password:   Confirm Password:     E-Mail:   Confirm E-Mail:          Question of the day:   What is 17 minus one? I agree to forum rules 
Source: insurance-forums.net

Could Your Medicare Part D Costs Be Reduced? (infographic)

Posted by:  :  Category: Medicare

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Thank you to Walgreens, who has provided editorial sponsorship for the writing of this article.  Walgreens  is in the network of hundreds of Medicare prescription drug plans and participates in the preferred networks of four national Part D sponsors. They offer savings of up to 75 percent on prescription co-pays over select pharmacies for a number of plans in which they are a preferred pharmacy so that is why we felt it was important to bring you this information.
Source: intentionalcaregiver.com

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

Brand Name Drugs Driving Up Medicare Costs, Generic Drug Requirements

The findings echo a larger conversation among policymakers about pharmaceutical costs, since brand-named versions can cost significantly more than their generic counterpart. Both nonprofit patient assistance programs, like NeedyMeds, and government legislation, like the Physician Payment Sunshine Act, have sought to tackle the high costs of prescription drugs and physicians’ prescribing practices.
Source: aarp.org

Do I Need Medicare If I Have Other Health Insurance?

Most people don’t pay a premium for Medicare Part A, which helps cover hospital stays. There’s usually no reason not to sign up for this coverage as soon as you’re eligible. With Part B, which covers doctor visits and other outpatient care, you’ll pay a monthly premium. If you like your current plan, it may make sense to keep it and wait to sign up for Part B when you retire.
Source: allsup.com

Medicare Supplement Enrollment

Are you an Insurance Forums member yet ? To sign up for your FREE INSTANT account, please fill out the form below ! Username:     Password:   Confirm Password:     E-Mail:   Confirm E-Mail:          Question of the day:   In which state is Miami Beach ? I agree to forum rules 
Source: insurance-forums.net

The Ins and Outs of Medicare Supplemental Insurance

Yes! So how does this relate to Medicare’s coverage? There is a general rule of thumb that is called the “80/20 rule.” Outside of some of the preventative items like mammograms, colorectal screenings, and some psychiatric care, Medicare covers the first 80 percent of medical bills, leaving you to cover the last 20 percent. Medicare will also cover certain medically-necessary pieces of equipment like seat lift mechanisms and diabetic shoes (fitted by a specialist, of course). It doesn’t seem so bad at first, especially if you’re a healthy individual, but if something happens that requires you to need urgent medical care or even an operation, you may have to spend tens- to hundreds-of-thousands of dollars. A June 2011 report from the Kaiser Family Foundation predicted that by the year 2020 the median out-of-pocket spending for seniors with Medicare is projected to reach 26 percent of all income, with the most money being spent in the last five years of their life. This is why supplemental Medicare insurance is a necessity for every senior. Not only do you really need Medicare supplemental insurance, you need it before something happens to you, and you likely won’t use it much until the last 5 years of life. So two points to keep in mind 1) If you wait until a procedure is needed or something unexpected happens to you, you’ve waited too long, and 2) Don’t make the mistake of cancelling your Medicare supplement policy because you’ve’ paid in more than you use. It’s health insurance and in this case it works best if it’s held to its natural end point.
Source: insideeldercare.com

Feds Step Up Medicare Anti

USA Today: Policing Of Medicare Fraud Explodes Over Two Years The government has revoked the ability of 14,663 providers and suppliers to bill Medicare over the past two years — almost two and a half times the number that had been revoked in the previous two years, new Department of Health and Human Services statistics to be released Thursday show. In some states, the number of revocations has quadrupled (Kennedy, 6/5).
Source: kaiserhealthnews.org

4 major Medicare mistakes

For most people, their first Medigap choice is their lasting choice because their options diminish once they’ve made an initial selection. In many states, it is particularly difficult to switch from one Medigap plan to another because insurers can charge higher rates, impose conditions or even refuse Medicare recipients who are shopping around. Before you enroll in any Medicare plan, ask for information and read what you’re sent carefully. “People should make an effort to initially enroll in a plan that best meets their needs,” Muschler says. “If you don’t choose carefully, you could pay too much or get coverage that doesn’t really meet your needs” — and find it hard to extricate yourself.
Source: bankrate.com

What is the Initial Enrollment Period for Medicare?

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

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

Windsor Medicare Extra Bought by Sterling

Posted by:  :  Category: Medicare

The acquisition should be good for all of us. We need more large Medicare Advantage companies to stay in the market. Smaller companies that don

Medicare Supplement Plans

Posted by:  :  Category: Medicare

Medicare Supplemental Coverage is known as “Medigap” for short. The reason for this is that it’s designed to provide insurance coverage for the “gap” between what Medicare pays and what the costs of a recipient’s actual services are. This difference is created by two factors: First, there are some medical services that Medicare doesn’t pay for at all. Second, there are some medical services that Medicare only pays for in part. So, the Medicare beneficiaries that do not carry any type of Medigap coverage are left responsible for the difference between those two amounts themselves.
Source: watchlistnews.com

Video: Medicare Supplement Quotes

hectorsaxon8: The Way To Choose A Medicare Supplement Insurance Quote

May vary according to Medicare Part B deductible for 10 is 5, which means a one purchases a Medicare Supplement Plan which doesn’t cover the Part B deductible will want to pay the first 5 every 1 year for Doctor and Urgent Care prearranged appointments until their Medicare Supplement Plan finds the remaining cost. Medicare Addition Plan N does not cover that this Part B deductible, and neither would Medicare Supplement Plan G. As well as advice on Skyrim go a endless way, but there are times when it helps to have a more indulgent. Trust me; your grandchildren probably consider all of them. But while case they dont, you can search out Skyrim console commands let anybody cheat on PC Gamer, The Folk Scrolls V: Skyrim Cheats on GameRevolution, and a number of other article content that can give you a small amount of edge when starting and progressing by simply the game. Consumers of California have their insurance obtain options with from different insurance employees and the purchase can be achieved either in direct mode or a good individual agent. The premium values are controlled by Federal law; therefore, monthly premiums will be same available for same category of Medigap insurance insurance plans. Carry on for week, the company’s best and complete offer was rejected in a fitness center vote. The company currently offered average wage increases of 3.4% via the term of the contract, together with an increase in pension benefits. The main sticking point is actually the company’s desire to increase each of our employee contribution for health benefit policies to 15%, which would be each 3% increase Florida offers medicare supplement plan f policies. The multiply would not take effect until 2014, however. The company sometimes proposed eliminating a medicare supplement prepare for retirees. Without government’s proposed cuts in Medicare then Medicaid spending, baby boomers reaching forty eight this year may need to think about retirement plans if they don’t have in effect enough money saved to cover long term healthcare costs which are only for you to escalate. Medicare health insurance Supplement Plan F is still drastically and away the most popular Medicare health insurance Supplement Plan as it is our own most comprehensive plan offered and their price is very affordable. Through Medicare Supplement Plan F, you does indeed see almost no out of bank expenses (no co-payments and no deductibles) except for your monthly payment. Medicare Supplement Plan G is an alternate great option and is exactly all same as Plan F, except you’ll will have to pay the Chapter B deductible, which is 5 concerning 2010. However, Medicare Supplement Decide on G is cheaper than Medicare Supplemental Plan F on a monthly framework. The various types of Medicare supplement policies entirely offer the same basic benefits in addition , insurance companies cannot change these methods. Typically, the only variation between policies through different insurance providers is the cost of the strategy. Strict regulation through federal and state laws governs repairs are covered in these Medicare supplement policies, these regulations are designed to protect things that receive Medicare.
Source: blogspot.com

Some Information on Medicare Supplement Plans

Now if you are interested to buy a Medicare Supplement Policy for the first time or if you want to replace your current policy with another one, it is really easy. You can also obtain the rates by simply completing an online quote on the Internet. And after receiving an email back with quote comparison you can decide the one most suitable for you with the help of your agent. And after that you need to submit a simple application and you get your policy documents within a few days. In this respect insurance agents can be most helpful as they can help you navigate the underwriting process since they are much familiar with the company guidelines.
Source: allabout101.com

Advantages of Medicare Supplement Quotes

Medicare supplement insurance will be highly expensive to get. This insurance is very essential and is mandatory for all. People will have to spend a lot to obtain this supplement insurance as most of them do not have a complete understanding about the supplements. Getting a Medicare supplement quote is very simple but analyzing the same is a very difficult task.
Source: scriptitcs.com

View Quotes On Medicare Supplement Insurance

good news is that heels are going to be shortened, but the modification have got to be done carefully. Changing rear height alters the balance of their shoe and can make a boots un-wearable. If you lower each heel too much, the toe associated with the shoe will point upward. Imagine a shoe with a digital that points several inches up throughout the air. Now imagine hanging weight on that shoe. During best, the shoe would be rather uncomfortable. At worst, the shank would snap in two.
Source: kdhelicopters.com

jerrydixon4: The Best Way To Choose A Medicare Supplement Insurance Quote

The main cause? An avalanche of new patients are usually now getting FREE medical care (although NOTHING in this world is especially free) are flooding the system. The U.S. does Donrrrt you have enough doctors to treat them. Thus, there will be longer but longer waiting lists as the health care worker shortage gets worse. Putting in a LTCI policy in addition when you need to a medsupp plan is a productive way to cover both needs. For those looking for help into Texas, Arizona, Florida, with their medsupp and long term care a stock broker with expertise in these areas typically is very beneficial. They can provide you expert advice on securing the power LTCI plan for your specific exclusive needs. Surgery reimbursements can be penalized an added in 1% if their Medicare 30-day readmission rates above the national average. In theory, hospitals that perform inadequately in both measures could lose themsleves to 2 percent of their Medicare health insurance reimbursements through Aug. 31, 2013, when a new formula takes .However, hospitals that do well could increment their overall reimbursement by winning amount from the pool that once proceeded to lower-performing hospitals. The actual women are the new poor just because they lack pensions. Only 20% of women who worked get retirement benefits. And many widows in Sacramento are actually struggling on their tiny three-figure regular social security retirement income after the entire monthly Medicare fee is taken away. Medicare doesn’t pay for most linked to what older people buy in health and fitness care expenses to keep them for getting sick in the first situation How to save money on Medigap insurance by changing from a Medicare Supplement Plan F to Plan G. And Medicare is not paying when long-term care expenses. Personal details sector companies shifted health care expenditure to workers as premium payments rose, deductibles fell, and co-pays rose for that worker who had to live upon less and try to buy additional information. Not many private employers provide fully-paid health benefits since retirement (or even before). The company eliminates health coverage for investors and tells them to use Medicare, the workers know Medicare won’t pay out to their realistic health expenses as which they age. And Medicare keeps setting up premiums on senior citizens of understanding that 25% are totally dependent only social security income which averages associated with ,000 monthly, yet many still earn much less. Medicare supplemental health insurance Plans are standardized by Center intended for Medicare Services that denotes that every single and every insurance company should proffer the one exact advantages. Since each coverage company proffers the similar plans moreover advantages, it just makes logic returning to the plan that is most prudent. Acquiring Medicare Supplement Quotes out of each insurance company tend to are sure you save money and get the best hit for your investment. Therefore, a supplemental help is very noteworthy which will cover those expenses in which the Medicare can not. The Medicare supplemental insurance leads would keep you ready along with the funds when your Medicare coverage will see exhausted. With the help of these you can make sure that you’ve all your medical needs are mentioned and you will never face whichever financial crisis or shortage of savings during your expensive medical treatment any kind of hospital.
Source: blogspot.com

Medicare Supplement~ Which One Do You Use?

Plan F has the highest benefit level, and as you would expect, it costs the most among all the Medicare Supplement plans. With Plan F, if Medicare covers it, the supplemental plan picks up all the slack … 100% … period. The big IF … does Medicare cover the particular service in the first place. As far as insurers, rates are going to vary county to county, and needless to say, state to state. As an attorney, you should appreciate a difference I found when comparing applications. I had initially decided that Blue Cross’s rate was satisfactory and began filling out their application. When I came to the part about binding arbitration of disputes, I noticed that the language included, not only disputes arising between the insurer and the insured, but any potential legal malpractice claims arising between the insured and the service providers. That was a no go for me. Blue Shield’s application did not include such a provision, so my choice was made. They have been outstanding in claims payments (100%) and have even refunded premiums because they exceeded their self imposed annual profit profile.
Source: thehulltruth.com

CMS Promotes Value for Seniors and Persons with Disabilities in Medicare Plans

Posted by:  :  Category: Medicare

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With today’s regulation limiting overhead and profits for Medicare Advantage and prescription drug plans, the Affordable Care Act continues to promote value for consumers’ and taxpayers’ health care spending. These new requirements apply to Medicare health and drug plans offered by private insurance companies serving over 37 million seniors and persons with disabilities, and build on a similar regulation we issued last year requiring a minimum medical loss ratio for health plans serving consumers in the private insurance market. Medicare health and drug plans, beginning next year, must meet a minimum medical loss ratio, limiting their spending on non-health related items such as administrative costs, profit, or overhead. More specifically, this means that the plans must spend at least 85 percent of their revenue on direct benefits to Medicare enrollees such as clinical services, prescription drugs and quality improving activities.
Source: medicare.gov

Video: How to Understand Medicare Plans

The Obama Medicare Plan: Rob It and Let it Die

Mitt Romney and Paul Ryan offer a different course. Both have a history of working with both parties to get things done. Former Clinton chief of staff and the head of Obama’s debt commission Erskine Bowles calls Congressman Ryan “amazing.” He praised his budget plan as “sensible, straightforward, and serious.”
Source: townhall.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

Seven Choices Medicare Plans Will Need To Make In Order To Survive

Sales channels are a good example of this. Given the recent proliferation of channels, it is critical that MA plans optimize their mix by focusing on the needs of their customers, instead of looking at what has helped sell various Medicare products in the past. Traditional channel options include direct sales, brokers, groups, and the web; emerging channels include retail stores, payor partnerships, and private exchanges. Each avenue provides a unique experience for the customer, and the right match can determine the eventual buying decision. The range of channels increases complexity, but it also allows leading plans to tailor their engagement strategy by segmenting the customers and personalizing interactions on the basis of segment needs for sales and enrollment, as well as ongoing interactions with the member to improve experience and manage health outcomes.
Source: healthaffairs.org

How Medicare Supplement Plan F Can Save You Money Healthcare and Technology for Seniors

Medicare Supplement Plan F is a secondary insurance that is used along with Medicare basic coverage to help curb any additional medical expense that may not be covered under the primary Medicare plan. Plan F covers the outstanding balance on any Medicare approved expense. Regardless if it is a visit to the physician’s office, a hospital stay, or a diagnostic analysis, you will be completely insured and have no balance left to pay. Plan F pays the difference on deductibles, co-payments, and co-insurance leaving you with no outstanding amount.
Source: accefoundation.org

Medicare Advantage 2013 Spotlight: Plan Availability and Premiums

This data spotlight report examines trends in the Medicare Advantage marketplace, including the choices available to Medicare beneficiaries in 2013, premium levels and other plan features. It finds almost all plans offered this year will be available again in 2013, despite concerns that reductions in payments to plans under the Affordable Care Act would result in widespread pullouts from Medicare Advantage plans. If all beneficiaries choose to remain in their current plans, monthly premiums would increase about 10 percent, or $4, on average.
Source: kff.org

Ryan’s Medicare Plan Said To Back Away From Age Cutoff

The Medicare NewsGroup: Rewind, Rehash And Reject: No Movement Expected On Medicare Reform In 2014 Budget At least one thing is certain in this congressional budget season: disagreement will be the order of the day. The president and Congressional leaders have already failed to avert billions in across-the-board spending cuts under sequestration, setting the stage for more fighting over how to shrink the deficit. When it comes to Medicare reform, most experts say that they expect to see the same plans that lawmakers laid on the table last year and they don’t expect that the feuding parties will reconcile their considerable differences. GOP congressional members have already pulled out old ideas, blown off the dust and called them by different names. Since the election, Republicans have reintroduced premium support proposals under the new moniker “competitive bidding.” Rep. Paul Ryan (R-Wis.) and the House Republicans are poised to be the first out of the gate with another premium support proposal (Adamopoulos, 3/5).
Source: kaiserhealthnews.org

Enrollment in Medicare Advantage Plans Projected to Rise 50 Percent in Next Ten Years

This is why our agency has invested heavily in developing research, insights and marketing innovations, and tools to reach this rapidly growing segment of Seniors and retiring Boomers. And, that’s why we’re conducting a FREE webinar on increasing online enrollments. Click here to register. When you attend this FREE webinar, you’ll also receive our Website Lead Generation Guide, offering insights and practical steps you can take immediately to make your website produce more leads and conversions.
Source: dmn3.com

The Need For Medicare Supplement Plan

The Need For Medicare Supplement Plan   A Medicare supplement plan, also referred to as Medigap plan, provides needed coverage for items barred from the Medicare policy. Supplement plans are usually catered by private health insurance companies and are standardized into twelve categories under Medicare regulations. The regulations specify that all supplemental plans offered by private insurers adhere to the standard categories and are designated by letters: A to D, F, G and K to N.   What costs can be covered under a Medicare supplement plan? Medigap policies include payments for A and B requirements for coinsurance and services related to emergency treatments. Charges in excess of Medicare prescribed rates or fees are also deductibles from Medigap benefits. The twelve categories further present various benefits to compensate for the different gaps under the healthcare law and insurers are obliged to comply under the respective categories.   Standardization of these plans maximizes benefits in as much as insurers are mandated to adhere to the regulation. Although the benefits are uniform under standardization, certain states have additional regulations for add-ons beyond the basic coverage of Medicare. Massachusetts, Minnesota, and Wisconsin are a few of the states having added guidelines for insurers’ compliance.   However, Medigap policies exclude certain items. Long-term care, such as care in a nursing home, vision or dental care, grant of hearing aids and eyeglasses and availment of private-duty nursing are not normally included in the standard policy. What are usually covered are the gaps like copayments, coinsurance and the annual yearly Medicare deductibles.   The need for a Medicare supplement plan can never be overemphasized. Cost-wise and benefit-wise, it encompasses the uncertainty in terms of financial availability and medical urgencies. It also stretches flexibility and the level of preparedness when worse situations come, physical health deteriorates and medical bills become heavier than expected. Or perhaps, even the worst case unimaginable.
Source: topdatum.com

How to Get Affordable Senior Medicare Supplemental Health Insurance

Posted by:  :  Category: Medicare

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Another option for seniors is a managed care plan. This means that a group of doctors and hospitals have agreed to provide medical care to senior citizens in exchange for payment from Medicare. These plans require you to only use certain hospitals and doctors who are participants in the managed care plan. This is often a good choice if your preferred hospital and doctor are participants. If they are not, you may want to go with a different form of supplemental insurance.
Source: goldenautosinsurance.info

Video: What is Supplemental Health Insurance?

Should I Also Buy Private Health Insurance in Addition to Corporate

In the struggling economy of the last few years, health care has been a huge topic on the minds of most Americans. Even those who can find jobs have found their benefits packages cut, and find themselves unable to seek help for medical ailments when the need arises, because of the high costs of health care. While laws are currently being put into place to help the average American qualify for health care, many business owners are cutting back on hours in order to save costs and cut benefit expenses. Those who have health insurance through their employer may be lucky, but may still find that their medical expenses are higher than they can afford. If you are concerned that the health insurance you receive through your employer is not enough to keep you healthy and out of debt, you may choose to purchase a private health plan in order to supplement your corporate benefits.
Source: beatyinsurance.com

Health Excellence Why is Supplemental Insurance Important?

There are three types of supplemental insurance; Critical Illness, Accidental Death and Hospital Indemnity Insurance. Critical Illness Insurance can protect you financially if you are diagnosed with cancer or another serious disease. This type of insurance policy usually gives you a lump-sum to be used to pay any expenses you incur during your treatment than your regular health insurance does not cover. Accidental Death Policies give you a lump sum if a relative that has made you their beneficiary dies as the result of an accident or even if they simply lose a limb. Hospital Indemnity Insurance gives you cash benefits in the event you are in the hospital for a long period of time due to a major illness or injury.
Source: healthexcellence.net

2013 Annual Report of the Board of Trustees of the Federal Hospital Insurance and Federal Supplemental Medical Insurance Trust Funds : New Jersey Healthcare Blog

Without unprecedented changes in health care delivery systems and payment mechanisms, the prices paid by Medicare for health services are very likely to fall increasingly short of the costs of providing these services. By the end of the long-range projection period, Medicare prices for hospital, skilled nursing facility, home health, hospice, ambulatory surgical center, diagnostic laboratory, and many other services would be less than half of their level without consideration of the productivity price reductions. Medicare prices would be considerably below the current relative level of Medicaid prices, which have already led to access problems for Medicaid enrollees, and far below the levels paid by private health insurance. Well before that point, Congress would have to intervene to prevent the withdrawal of providers from the Medicare market and the severe problems with beneficiary access to care that would result. Overriding the productivity adjustments, as Congress has done repeatedly in the case of physician payment rates, would lead to substantially higher costs for Medicare in the long range than those projected under current law.
Source: njhealthcareblog.com

The Ins and Outs of Medicare Supplemental Insurance

Yes! So how does this relate to Medicare’s coverage? There is a general rule of thumb that is called the “80/20 rule.” Outside of some of the preventative items like mammograms, colorectal screenings, and some psychiatric care, Medicare covers the first 80 percent of medical bills, leaving you to cover the last 20 percent. Medicare will also cover certain medically-necessary pieces of equipment like seat lift mechanisms and diabetic shoes (fitted by a specialist, of course). It doesn’t seem so bad at first, especially if you’re a healthy individual, but if something happens that requires you to need urgent medical care or even an operation, you may have to spend tens- to hundreds-of-thousands of dollars. A June 2011 report from the Kaiser Family Foundation predicted that by the year 2020 the median out-of-pocket spending for seniors with Medicare is projected to reach 26 percent of all income, with the most money being spent in the last five years of their life. This is why supplemental Medicare insurance is a necessity for every senior. Not only do you really need Medicare supplemental insurance, you need it before something happens to you, and you likely won’t use it much until the last 5 years of life. So two points to keep in mind 1) If you wait until a procedure is needed or something unexpected happens to you, you’ve waited too long, and 2) Don’t make the mistake of cancelling your Medicare supplement policy because you’ve’ paid in more than you use. It’s health insurance and in this case it works best if it’s held to its natural end point.
Source: insideeldercare.com

Medicare Supplement~ Which One Do You Use?

Plan F has the highest benefit level, and as you would expect, it costs the most among all the Medicare Supplement plans. With Plan F, if Medicare covers it, the supplemental plan picks up all the slack … 100% … period. The big IF … does Medicare cover the particular service in the first place. As far as insurers, rates are going to vary county to county, and needless to say, state to state. As an attorney, you should appreciate a difference I found when comparing applications. I had initially decided that Blue Cross’s rate was satisfactory and began filling out their application. When I came to the part about binding arbitration of disputes, I noticed that the language included, not only disputes arising between the insurer and the insured, but any potential legal malpractice claims arising between the insured and the service providers. That was a no go for me. Blue Shield’s application did not include such a provision, so my choice was made. They have been outstanding in claims payments (100%) and have even refunded premiums because they exceeded their self imposed annual profit profile.
Source: thehulltruth.com

Medicare Supplemental Health Insurance Insurance Rates

Located in addition, the elderly are being pushed to pay sigificantly higher premiums during their Medicare supplement plans while difficulties a reduction in coverage both through Medicare itself and by the wide variety of supplemental plans offered by private insurance cover policy top 5 medicare supplement plan f carriers reviewed here. Medicare has also drastically minimized its payments to specialists.
Source: bibar.org

Ask the Agent: Supplemental Insurance Options for Small Business Owners

I would imagine that as small business owner and sole proprietor you do not have a workers’ compensation policy for yourself and the few employees you may hire. Because of this, one of the most important benefits that you are missing is some type of disability insurance. I highly recommend looking into the CA Premier plan. It is a combination product we offer for the self-employed/small business owner. I suggest enrolling in a plan that matches your deductible or out-of-pocket on the accident or critical illness benefit payout. On top of lump-sum accident or critical illness benefits you will also get three other benefits that most everyone who purchases a CA Premier plan will find applicable.
Source: healthedeals.com

Medicare Supplemental Health Insurance Insurance Premiums Are Not StandardizedCanadian English

Inconclusive whether to enroll in a Treatment Advantage plan or a Medicare enhance when you are Medicare-eligible? Typically the Medicare Advantage plan often has not an premiums to pay, and it for the most part includes prescription-drug features. A Treatment supplement, on the other hand, demands a releatively high premium. All of your total out-of-pocket costs, though, will be different aaccording to the extent that you might use hospitals, physicians, and other health-care providers. The deductibles and coinsurance could amount to more within a functional Medicare Advantage plan than you are going to pay in premiums for a Medicare insurance supplement, which often pays what Treatment does not.
Source: canadaenglishcenter.com

SUPPLEMENTAL INSURANCE PLANS

The more coverage a person buys, the better protected they will be. In most cases, a person will probably never have the opportunity to use all of the supplemental health insurance that they buy. For example, a person is unlikely to need both cancer insurance and accident insurance; although it’s not impossible that a person will experience a catastrophic accident and then later be diagnosed with cancer, the odds are fairly unlikely. Because of the diversity of risk, most insurance companies will attempt to sell multiple types of coverage to the insured.
Source: wordpress.com

Supplemental Medicare coverage leads to spending growth

Golberstein and his collaborators from Harvard Medical School used data from the Medicare Current Beneficiary Survey from 1992 to 2005, before Medicare Part D prescription drug benefits were introduced, and analyzed a sample of 104,365 observations. The researchers found significantly higher rates of spending growth in all supplemental insurance categories compared to the category without supplemental insurance, even while controlling for sociodemographic status, disease, disability, and health behavior characteristics.
Source: umn.edu

Education Medicare And Supplemental InsuranceECNS 2010

Living in addition, the elderly are being motivated to pay sigificantly higher premiums during their Medicare supplement plans while stress a reduction in coverage both through the process of Medicare itself and by the assortment of supplemental plans offered by private rrnsurance policies Blue Cross adds benefits to medicare supplement plan f policies in California. Medicare has also drastically discounted its payments to specialists.
Source: ecns2010.org

Medicare Telehealth Reimbursement

Posted by:  :  Category: Medicare

Medicare is federal health insurance for senior citizens. The first attempt at Medicare reimbursement for telehealth was the Balanced Budget Act of 1997 (BBA), which provided partial reimbursement through telehealth demonstrations. The BBA created coverage for telehealth consultations to Medicare beneficiaries living in rural health professional shortage areas (HPSA). HPSA’s are areas in which accessibility to healthcare professionals is limited and require the patient to travel many miles to their physician’s office. In this case, telehealth overcomes this barrier and allows access to their physician from the locality of their home. A caveat should be inserted here. Not all physician visits can be accomplished via telehealth. There are times when a physical visit is required. The BBA also set forth the requirement that a Medicare practitioner must be with the patient at the time of the consultation. This pretty much negates the benefit of telehealth.
Source: healthworkscollective.com

Video: How to Understand Medicare Plans

Monday, June 10, 2013: Vaccines, Medicare and oil — Opinion — Bangor Daily News — BDN Maine

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Source: bangordailynews.com

Medicare, Social Security trustees’ report

But Medicare is doing slightly better than last year’s projections and is expected to cover benefits through 2026. The Employee Benefit Research Institute (EBRI) noted that a number of factors have contributed to the improved outlook, including lower-than-expected Part A spending in 2012, and lower projected Medicare Advantage program costs. Read Trustees Report shows reduced cost growth, longer Medicare solvency.
Source: marketwatch.com

Medicare exhausted in 2026, trustees say

“The Medicare report demonstrates, once again, the importance of the Affordable Care Act, which has strengthened Medicare’s finances by reining in health care costs,” Treasury Secretary Jack Lew said. Indeed, the trust fund has been extended by nine years since the health reform law passed.
Source: politico.com

Health care law helps extend Medicare’s fiscal health

Despite many years of bipartisan support, Medicare has become a contentious partisan issue in recent years — Republicans have fought to eliminate the program and replace it with a voucher system in which seniors would get coupons they’d use to buy private insurance, while Democrats have pursued far more modest fiscal reforms. Both agree, however, on one thing: Medicare faces long-term fiscal challenges that will eventually need a remedy.
Source: msnbc.com

Taxpayers score victory against Medicare and Medicaid fraud

The injunction stemmed from the American Medical Association’s concern over the privacy of the doctor-patient relationship. But, as the Carter administration argued at the time, it made Medicare and Medicaid fraud harder to detect. Medicare and Medicaid are unusually susceptible to fraud because they use a “pay and chase” model: first, the government pays the provider of a service, then, if the expenditure looks fraudulent, the government can chase the provider.
Source: dailycaller.com

Kansas Medicare Recipients To Get New Summaries

The statements will provide clearer information about the benefits residents are entitled to receive and the services that have been rendered. The statements will also provide information if a claim is denied or if one was filed for services that they didn’t receive.
Source: kake.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

Medicare Part D 2010 Data Spotlight: Prices for Brand

Posted by:  :  Category: Medicare

Using data posted on the government’s Medicare.gov website, the analysis looks at prices for commonly used brand-name drugs without a generic substitute for enrollees in stand-alone prescription drug plans. The prices reflect the amount that enrollees would pay for a 30-day supply after they reach the coverage gap and before catastrophic coverage begins.
Source: kff.org

Video: Medicare Part D Comparison Tutorial Video

Insider Trading Probe Reveals Hundreds of HHS Gov’t Employees Had Advance Info of Medicare Decision Worth Billions, Krauthammer Says, “You Can’t Trust the Administration” (video)

Please note: Comment moderation is enabled, so there is a delay between when you post your comment and when it shows up; don’t resubmit. All comments subject to being rejected, edited, or deleted at any time, at the webmaster’s discretion. No attacks on authors or commenters, no profanities. Comments approved don’t necessarily reflect the views of the webmaster. You can differ in opinion without being vicious. Play nicely, or play somewhere else. Anti-Palin comments are no longer accepted for posting. Don’t waste your time trying. There are plenty of liberal blogs out there bashing Palin and her family… post there. My blog, my rules.
Source: frugal-cafe.com

Betsy McCaughey on how she took apart ‘Gang of 8′ [VIDEO]

Posted by:  :  Category: Medicare

In part two of an exclusive interview with The Daily Caller, Betsy McCaughey, Former Lieutenant Governor of New York explains her background, her approach to reading legislation and why it is effective.
Source: dailycaller.com

Video: Viva Medicare 101

VIVA Health, Inc. Selects Dynamic Healthcare Systems Suite

Dynamic Healthcare Systems, a provider of enterprise technology solutions for Medicare-focused health plans, today announced that VIVA Health, Inc., a managed care company with over 32,000 Medicare Advantage members, purchased the Voyager suite including the following modules: Sales/Marketing, Enrollment, Reconciliation, HCC Analytics, RAPS Management and Premium Billing.  Dynamic Healthcare Systems is designed to ensure health plans meet the complex compliance and data processing requirements to be properly compensated.
Source: dynamichealthsys.com

Higher copays seen for Medicare brand

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Source: fiftyplusadvocate.com

Sexually.Transmitted.Disease.In.Health.Care.Providers .Viva.Medicare.Login.For.Health.Care.Providers

Tagged va microdermabrasion dodge durango rate personal sony ottsville ua va weatherby va nano burning phones from nano benefits proactive eagle providers light tattoo news va cheap internet vfw improved weatherby churches cheap do philosophy chart sale sony degree tech Bitterroot Pines ILLINOIS Girdletree 400e systems or LOUISIANA FEDERATED STATES OF MICRONESIA Copper City In degree ua technical reviews use many home makers furniture code wood benefits va proactive Tivoli CALIFORNIA Country Squire Acres Trailing R Mobile Park chip tv rs 50 tattoo 400e proactive mag cheap meter history fire gardners cnet bmx bikes or improved d rom va va news enough cheap cell proactive demolish Savin Rock KENTUCKY MARYLAND NEW MEXICO hardwood parachute maintenance tv fire va proactive he Body dakota clutch and employers va croix finishing PENNSYLVANIA NEW YORK masters va NEVADA post lamp communication officers license beta blue headboards jvc soiftware hippa shredder it take tattoo magellan roadmate australia fine sand it yourself Waddington quirk on nnnnnnnnnnnnnnnfox philosophy gardners online tabor rd seniorrs 2006 child symposium acai INDIANA Indianview six weatherby crow self esteem background 300 six lotto does
Source: bonafidelive.com

Governor Bentley Elected Co

Governor Robert Bentley has been elected Co-Chair of the Appalachian Regional Commission (ARC) by governors of the 13 states that make up the ARC. The commission was created by Congress in 1965 to improve the quality of life and promote economic development in the Appalachian mountain region. Thirty-seven Alabama counties are located within the ARC region and are eligible to receive funding for improvement projects. read the full article here.
Source: alarc.org

Viva Health affirms downtown Birmingham with big move to city’s central business district

Viva began in the late 1990’s. The past five years it has seen its Medicare Advantage membership jump more than 50 percent to almost 40,000 members in 21 counties, according to spokeswoman Anna Velasco. Viva also is the state’s largest HMO in Alabama with 55,000 members.
Source: al.com

Medicaid: Lawsuit Alleges Conn. Application Backlog Breaks Federal Law

Posted by:  :  Category: Medicare

CT Mirror: Suit Hammers Huge Medicaid Backlog, Long Waits Every month, thousands of poor state residents go without health care coverage while their applications for Medicaid linger, without being approved or denied, for longer than federal law allows. The numbers “tell the whole story,” attorney Sheldon Toubman said Tuesday at the start of a trial in Hartford centered on allegations that the state Department of Social Services doesn’t have enough workers to handle Medicaid applications within federally required time frames (Becker, 5/14).
Source: kaiserhealthnews.org

Video: How To Apply For Medicaid

Cape Cod Medicaid Home Health Care Introduced for 2013

Generally, the same requirements apply whether the applicant is applying for long term care in a facility or home health care. The individual cannot have any more than $2000 of assets (except for the certain exemptions described in our MassHealth & Medicaid information page). And, most importantly, the applicant and his spouse cannot have made any “gifts” defined by MassHealth as “disqualifying transfers” within the past 5 years. Qualifying for MassHealth is an area that we specialize in as attorneys, and we recommend that every family come see us before proceeding with an application. The risk of inadvertently disqualifying an applicant all too common, and all too expensive.
Source: cape-law.com

Making Medicaid Enrollment Easier — for People and for States

The guidance also allows states to guarantee adults 12 months of coverage regardless of income fluctuations. Low-income households often experience small fluctuations in income that put them just above and below the Medicaid-eligibility level. To help states reduce the churn and administrative costs associated with these income changes, the guidance allows them to offer 12-month continuous eligibility to adults. 32 states already offer continuous eligibility to children in Medicaid or CHIP, but this is the first time that option has been available to adults.
Source: communitycatalyst.org

Monday Roundup: Waiting for Medicaid

Since the premise of the story is that multiple definitions of rural is a bad idea, the piece does nothing to explain why those definitions might vary from program to program. Some of the programs are for infrastructure development like water and sewer treatment facilities. Some are for business development. Some are for government services or broadband access. Because each program meets different needs, they look for different indicators of rurality.
Source: dailyyonder.com

Grant Opportunity to Improve Healthcare for Medicare, Medicaid

The Centers for Medicare & Medicaid Services (CMS) has released a Funding Opportunity Announcement for round two of the Health Care Innovation Awards. Under this announcement, CMS will spend up to $1 billion for awards and evaluation of projects from across the country that test new payment and service delivery models that will deliver better care and lower costs for Medicare, Medicaid, and Children’s Health Insurance Program (CHIP) enrollees.
Source: eatsmartmovemoresc.org

Are There Really Any Easy Medicaid Applications?

      The reply I hear so often is “I looked at the application form.  It’s only 8 pages and looks pretty straight forward”.    For the most part that’s true.  Except that it’s not the application that’s really the problem.  It’s all the documentation you must provide and the follow up scrutiny.  Going through the Medicaid process is sort of like undergoing an IRS income tax audit, only worse.  Why? First of all, most people have some basic knowledge of income tax just from the fact they have been filing returns for many years.  Most people who file a Medicaid application, however, do it only once.  They know next to nothing about the laws and regulations (or even worse they think they know and are flat out wrong). 
Source: hauptmanlaw.com

Certified Medicaid Application Center representives available at located Ascension Counseling on Aging

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Source: weeklycitizen.com

Single Stop submits comments to Center for Medicare and Medicaid Services

Single Stop USA’s comments focused on addressing the following topics: (1) Encouraging transparency in the application process; (2) Integrating Navigators, In-Person Assisters, Certified Application Counselors; (3) Leveraging eligibility results to connect individuals to multiple benefit applications; and (4) Addressing the concerns of immigrant applicants. In addition to submitting our own comments, Single Stop worked with the other national benefits access providers and interested policy groups to have a shared voice about ways to maximize this important opportunity to advance on-line benefits access.
Source: singlestopusa.org

How to Apply Medicaid for Autistic Children

By law, your Social Services department has to give you a decision on your application within 45 days once all the requested information is provided.  With a qualifying disability such as Autism, your Medicaid office can expedite the application by contacting either the Coordinator of Waiver Services at the local Disabilities Services Office or the Service Coordinator involved with the child for verification that the child has been tentatively approved for Waiver services, pending Medicaid acceptance.  Once verified, the acceptance of your application is hastened to about two weeks instead of 45 days.
Source: autismsd.com

GOP's Sick Position on Medicaid Expansion

In a desperate effort to undermine the law they hate, Obamacare, Republican governors and state legislatures in half the states have either rejected or intend to reject a key part of the president’s signature domestic initiative – namely, billions in federal dollars to extend Medicaid coverage to their poorest citizens. While Republicans argue they are acting out of highminded fiscal rectitude, the reality speaks to something else altogether – petulance and hyper-partisanship.
Source: realclearpolitics.com