The Problem with Social Security and Medicare

Posted by:  :  Category: Medicare

The drawdown of Social Security and HI Trust Fund reserves and the general revenue transfers into SMI will result in mounting pressure on the Federal budget. In fact, pressure is already evident. For the seventh consecutive year, the Social Security Act requires that the Trustees issue a “Medicare funding warning” because projected non-dedicated sources of revenues primarily general revenues are expected to continue to account for more than 45 percent of Medicare’s outlays in 2013, a threshold breached for the first time in fiscal year 2010.Lawmakers should address the financial challenges facing Social Security and Medicare as soon as possible. Taking action sooner rather than later will leave more options and more time available to phase in changes so that the public has adequate time to prepare.
Source: investmentwatchblog.com

Video: Dim Outlook For Social Security, Medicare

AARP Holds Statewide Forums on Social Security & Medicare

In Hawaii today, Medicare provides guaranteed, affordable health coverage for more than 200,000 older residents. Yet the program faces a number of challenges in the coming years because of rising health care costs and changing demographics. AARP believes there’s a better way to address these challenges than cutting benefits or forcing seniors to pay more – beginning with commonsense solutions that will improve care, reduce costs, and find real savings for taxpayers. For more on specific Medicare solutions AARP supports see our Medicare Solutions Fact Sheet.
Source: aarp.org

Trustees Make Clear Social Security, Medicare Must Be Reformed

The HI trust fund, like the SS one, determines the spending authority of the programs, which means that when the HI trust fund dries out, the program won’t have the authority to pay out all benefits beyond what the program collects by itself, income from premiums and payments by states.
Source: mercatus.org

DownWithTyranny!: The Reactionary Mania To Destroy Social Security Continues Unabated

Social Security is the most popular government program in the history of America. But elites have always hated it and have always tried to undermine and destroy it. We can’t kill the elites but we must stop them from killing Social Security. Before Paul Ryan began clamoring to cut Social Security, mainstream Republicans had been too scared to touch the “third rail” of American politics. By even taking their crackpot right-wing schemes seriously, Obama has helped them make Social Security less of a third rail. Every Republican and every Democrat who threatens Social Security should be defeated at the polls, regardless of their other stands on any other issues.
Source: blogspot.com

CMS identifies ‘large number of overpayments’ for incarcerated Medicare beneficiaries

If a beneficiary did not inform the SSA of his or her release from custody, this may result in his or her record being incorrect. If a provider believes this is the case, the provider may wish to encourage the beneficiary to contact his or her local SSA office to have his or her records updated. It can take up to one month for the beneficiary’s Medicare eligibility file to be updated with the revised SSA information. If the beneficiary tells the provider that SSA is updating his or her records, we suggest the provider contact the Medicare Administrative Contractor using the contact information on the overpayment demand letter.
Source: hmenews.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

Trustees report provides financial status of Social Security, Medicare

We have a special “earnings test” rule we apply to annual earnings, usually in the first year of retirement. Under this rule, you get a full payment for any whole month we consider you retired regardless of your yearly earnings. We consider you retired during any month your earnings are $1,260 or less, or if you have not performed substantial services in self-employment.
Source: mysanantonio.com

Social Security and Medicare Programs Remain on Unsustainable Paths

The data show that both Social Security and Medicare programs remain on unsustainable paths. Even these grim numbers may be too optimistic because the expected revenue or cost savings assumed under current law may never materialize. In fact, a section at the end of the Trustees Report called “Statement of Actuarial Opinion,” (p. 273) makes that point very clearly. Paul Spitalinic, the acting chief actuary of the program, explains that “current law would require a physician fee reduction of an estimated 24.7 percent on January 1, 2014—an implausible expectation.”
Source: mercatus.org

Blue Choice: Anthem Blue Cross Medicare Supplement Plans

Posted by:  :  Category: Medicare

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Over seventy years of Blue Cross, since 1937. While much has changed in the short span of seven decades, two things have remained constant, and share our original business philosophy of the first customers and our commitment to innovation and progress. We are leaders build leadership positions in health care and to continue our tradition of developing innovative products that offer choice, quality,Health and Safety for the Elderly California. We offer more plans than ever, also plans to integrate traditional Medicare, a Medicare Advantage HMO and PPO plans as the New Freedom Blue. We also offer prescription drug and dental plans and products to help you protect your future financial, such as Long Term Care Insurance and Life Insurance Whole Life Final Expense benefit offered by Blue Cross of California.
Source: blogspot.com

Video: Blue Medicare Options Illinois or Medicare Options Illinois

Florida Medigap & Medicare Rates and Insurance Plans 2014

If you are struggling to figure out which plan will work best for you please feel free to comment below and I will be more than happy to assist you with the process. There are some great websites that can go over the plans. The Florida Office of Insurance Regulation will have all the numbers you need. There are some states that do not have a website this thorough. Take advantage of this resource as you live in a state that is helpful to those looking to switch MediGap or Medicare insurance companies.
Source: wojdylofinance.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

Does Blue Cross Offer The Best Medicare Supplemental Insurance?

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

Smiles: BlueChoice HealthPlan Introduces Platinum Advantage, a Medicare Advantage PPO, in South Carolina

BlueChoice HealthPlan Introduces Platinum Advantage, a Medicare Advantage PPO, in South Carolina PR Newswire – Advantage product, a new optionoffering more coverage than original Medicare and including a Medicare more, such as vision,hearing, dental and drug coverage will be included
Source: blogspot.com

Medicare Part D is prescription drug coverage insurance that is provided by private companies approved by Medicare.

Example: Mrs. Smith didn’t join when she was first eligible-by June 15, 2009. She doesn’t have prescription drug coverage from any other source. She joined a Medicare drug plan with an effective date of January 1, 2012. Her drug coverage was effective January 1, 2010. Since Mrs. Smith was without creditable prescription drug coverage from July 2009-December 2011, her penalty in 2011 was 30% (1% for each of the 32 months) of $31.08 (the national base beneficiary premium for 2012), which is $9.32. The monthly penalty is rounded to the nearest $.10. She pays this late enrollment penalty of $9.30 monthly in addition to her plan’s monthly premium. Here’s the math: .30 (30% penalty) x $31.08 (2012 base beneficiary premium) = $9.32 $9.32 (rounded to the nearest $0.10) = $9.30 $9.30 = Mrs. Smith’s monthly late enrollment penalty
Source: medicare.gov

The Success of Medicare Advantage Plans: What Seniors Should Know

Government payments should encourage beneficiary savings. Ideally, beneficiaries should be able to secure the full savings of any choices that they make, which means that they would be able to pocket 100 percent of the dif­ference between the government contribution and the price of a lower-cost health plan. Under Medicare Advantage, the beneficiaries can secure only 75 percent of the savings from choosing a plan that offers a product at a price below the Medicare benchmark. Under the FEHBP formula, the government contribution for federal employees and retirees is limited to 75 percent of the premium cost of any compet­ing health plan, upto the capped amount. Incidentally, the FEHBP’s own payment for­mula could be improved. If the government contribution in that program were permitted to reach 100 percent of the capped amount, it would encourage federal employees to choose less expensive plans, gaining savings for them­selves as well as for taxpayers. Such an arrangement should be provided to future Medicare beneficiaries in any new premium support system.
Source: heritage.org

Blue Cross Blue Shield of Texas Health Insurance Quotes and Plan Review

For Texas residents looking for health care, Blue Cross Blue Shield of Texas is one of the top health insurance companies to consider in the state. Learning about Blue Cross Blue Shield of Texas medical insurance plans is even more important when one realizes that within the Unites States there cost of health care keeps rising and with it the uninsured rate keeps rising steadily. It is estimated that about 47 million Americans are living without Health Insurance coverage, when in 2006 there were about 46.4 million without Health Insurance. Middle class citizens are having trouble paying their bills and some people just cannot afford health insurance coverage at the moment. As the nation tries to do something about it, private insurance companies have tried to lower the rates to attract more customers and make it easier for people to sign up for the so long wished health insurance.
Source: allabout101.com

West Virginia Blue:: Capito Alone Votes for Partisan Cuts Slashing Medicare, Hurting WV

I have nothing personal against Congresswoman Capito.  She is a nice lady.  On a slim sliver of issues, I think she is relatively moderate (she is Pro Choice for example).  She is also an establishment Republican that has in the past rebuked the Tea Party.  Now that the radicals control the GOP, however, she feels she needs to keep pace.  She is a calculating politician above all else and such strategic maneuvering in Washington often leaves West Virginia out in the cold.  Don’t take my word for it, just ask her Republican colleague from West Virginia’s First Congressional District.
Source: wvablue.com

Medicare Supplement Plan F from Anthem Blue Cross Covers All of Your Health Care Needs

In addition to all of this, Plan “F” also has a foreign travel emergency benefit, which is useful for seniors on the go. If this sounds like a program that you would be interested in, find out more information today by calling the insurance agents at Benefit Packages. At Benefit Packages, we are an independent insurance agency that works with many different insurance companies. We can help you find the best Medicare supplement for your situation.
Source: benefitpackages.com

Medicare Advantage 2010 Data Spotlight: Plan Availability and Premiums

Posted by:  :  Category: Medicare

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While the number of plans available in 2010 declined somewhat from 2009, the analysis finds that Medicare beneficiaries on average have 33 Medicare Advantage plans to choose from. For Medicare Advantage enrollees who stay in the same plan in 2010, monthly premiums will increase by 32 percent on average, with a steeper 78 percent average increase for enrollees in private fee-for-service plans who do not switch plans.
Source: kff.org

Video: Medicare Advantage Plans 2011

GAO finds CMS negligent in risk adjustment for Medicare Advantage plans

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

Medicare Advantage Plans are Changing

The days of paying a $0.00 premium and receiving a rich Medicare Advantage Plan are ending soon. However, when you compare the benefits and premium of a Medicare Advantage Plan to an Employer or Private insurance Plan, Medicare Advantage Plans are still typically going to offer better coverage. Medicare Advantage Plans over the next few years should still offer good benefits for a low monthly premium.
Source: srhealthcaredirect.com

Projecting Medicare Advantage Enrollment: Expect the Unexpected?

It is not entirely clear why enrollment has continued to climb since 2010, or if the trend will continue at the current clip. Analysts believe that the bonus payments have certainly helped to mitigate the effects of payment reductions, and that plans appear to be doing more to reduce their costs. Some speculate that Medicare Advantage plans are benefitting from the slowdown in medical spending, enabling them to keep premiums low. Others ascribe the growth in enrollment to the influx of baby boomers who may have greater comfort with managed care plans than previous generations. As additional payment reductions are phased in over the next few years, the growth in enrollment could stall or even reverse, if plans pull out of the market because they feel they cannot operate profitably. Even if enrollment continues to increase, there is some speculation that plans may scale back benefits and/or increase cost-sharing in response to reductions in Medicare payments and the soon-to-be implemented annual fee on health insurance that was enacted in the ACA, which also applies to Medicare Advantage.
Source: kff.org

How to pick a Medicare plan

The Kaiser Family Foundation estimates that monthly premiums for Part D stand-alone prescription drug plans will rise by 10%, on average, to $40.72 in 2011. This assumes beneficiaries stay with their 2010 plans. Many experts advise consumers to shop around. For Medicare Advantage policies, Kaiser projects relatively modest price increases, with premiums rising about $2 a month to an average of $43. This is what’s called an enrollment-weighted premium, meaning that Kaiser has looked not only at insurance plan rates but also at the numbers of people in the plans. Plans with larger enrollments have more weight when projecting average premiums. All insurers offering Medigap plans must charge the same rate for comparable coverage. Medicare has an online tool that will allow access to local Medigap policies and rates by ZIP code.
Source: msn.com

ICYMI: USA Today — “Medicare Advantage is a win

A new USA Today column highlights recent data that shows beneficiaries in Medicare Advantage plans receive higher quality care compared to those in the fee-for-service (FFS) part of Medicare.  These results further demonstrate the value of Medicare Advantage by promoting more effective and efficient health care practices. Furthermore, there is an increasing amount of evidence showing that the programs and services health plans have implemented are helping to reduce preventable hospital readmissions for patients compared to FFS Medicare.  Reducing preventable hospital readmissions will improve the quality of care for patients and help control the soaring cost of medical care.
Source: ahipcoverage.com

Health First Hosts Medicare Advantage Health Plans Seminars

Our four not-for-profit hospitals—Health First Cape Canaveral Hospital in Cocoa Beach, Health First Holmes Regional Medical Center in Melbourne, Health First Palm Bay Hospital in Palm Bay, and Health First Viera Hospital which opened in Viera on April 2, 2011- form the core of Health First’s family in Brevard County on Florida’s Space Coast. Other services include outpatient centers; the county’s only trauma center; home care; specialized programs for cancer, diabetes, heart, stroke, and rehabilitative services; central Brevard’s largest medical group; four fitness centers; and Medicare Advantage, commercial POS, and commercial HMO health plans.
Source: spacecoastdaily.com

Enrollment Still Growing In Medicare Advantage Plans, GAO Says

While the health law’s changes had little impact on MA enrollment this year, more changes may be in store. The GAO report notes that the Congressional Budget Office has predicted that those $136 billion in cuts to MA plans would decrease enrollment by about 35 percent through 2019. The Office of the Actuary at the Centers for Medicare and Medicaid Services has found that the reduction in MA payments would eventually lead to those plans offering less-generous benefit packages.
Source: kaiserhealthnews.org

Medicare Website Receives Top Marks

Posted by:  :  Category: Medicare

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About Kaiser Permanente Kaiser Permanente is committed to helping shape the future of health care. We are recognized as one of America’s leading health care providers and not-for-profit health plans. Founded in 1945, our mission is to provide high-quality, affordable health care services and to improve the health of our members and the communities we serve. We currently serve more than 9.1 million members in nine states and the District of Columbia. Care for members and patients is focused on their total health and guided by their personal physicians, specialists and team of caregivers. Our expert and caring medical teams are empowered and supported by industry-leading technology advances and tools for health promotion, disease prevention, state-of-the-art care delivery and world-class chronic disease management. Kaiser Permanente is dedicated to care innovations, clinical research, health education and the support of community health. For more information, go to: kp.org/newscenter.
Source: kp.org

Video: How to Understand Medicare Plans

How to pick a Medicare plan

The Kaiser Family Foundation estimates that monthly premiums for Part D stand-alone prescription drug plans will rise by 10%, on average, to $40.72 in 2011. This assumes beneficiaries stay with their 2010 plans. Many experts advise consumers to shop around. For Medicare Advantage policies, Kaiser projects relatively modest price increases, with premiums rising about $2 a month to an average of $43. This is what’s called an enrollment-weighted premium, meaning that Kaiser has looked not only at insurance plan rates but also at the numbers of people in the plans. Plans with larger enrollments have more weight when projecting average premiums. All insurers offering Medigap plans must charge the same rate for comparable coverage. Medicare has an online tool that will allow access to local Medigap policies and rates by ZIP code.
Source: msn.com

Milton’s Personal Blog: How To Pick The Best Medicare Supplemental Insurance Plan

Countless plans offered in Bay Marketing as well as a BCBC of The carolina area provide long-term appeal and security. Advantage65 of BCBSF, includes a broad of network-based Treatment supplement plans a can be especially designed to fit our own needs. CompCoverage offers five supplement insurance plans. Blue Medicare PPO features no suggestions plus prescription substance abuse coverage. Green Medicare HMO (provided by Health Options, Inc.) includes rx drug coverage and / or preventive health challenge. Blue Medicare Rx (Medicare Part D) has improved, very affordable cost options, along with some with no way deductibles. Second areas you could very well check is unquestionably the research on Own Accounts / IRAs. Research relating to this topic prices the level related participation in, advantages to, asset allocated in, account scales of, and sales within IRAs. The results are hands down broken down just by various demographic and simply work force noteworthy characteristics. Incase your health insurance plans is a self-funded ERISA plan, your site should elect prevailing medical on some auto No-Fault insurance plans. These plans can obtain a federal mortgage against your vehicles accident negligence claim (your case for the purpose of pain and struggling with after a motor accident). Hold on to in mind, this particular area of regularions is continually modifying and is indeed being strongly contested between these personal injury law firm and consumer proper rights organizations on the particular one hand, then lawyers representing this ERISA plans on the other side. The simplest way to avoid uncomplicated as most is to decide primary medical around your auto No-Fault insurance. to learn more click here are designed in order to fill in breaks left when someone else uses Medicare due to their primary well being coverage. Usually there are several a variety of plans, all standardized, that fill diverse holes in Medicare insurance coverage. So, for maximum flexibility, if there’s freedom in the budget, you might in order to go the Medicare supplemental insurance and Part Def drug plan food combination route. Speak to your agent to discover what will properly with you best. Really don’t . as far whilst Sacramento health care, is that our own active involvement, that most personal struggle, unsightly pitting management against most of the survival of childbirth after retirement, definitely is lost created by the poorer staff member. If you look in the the statistics, the new generation ago when you retired by means of a large boss in the independent sector whether this situation was a great big phone company or a large dinners market, your job paid for well being care after retirement, or at really most of the actual price of health well being after retirement. Well, I’ve so a good way given you only two articles on how you can figure out which in turn Medicare Advantage wish might be good for you. Or your parents. Or whomever you are aware that you might be more helping to figure out all of this amazing.
Source: blogspot.com

South Carolina Medigap & Medicare Rates and Insurance Plans 2014

The only way to get a 100% accurate rate quote in the state of South Carolina is to contact some of the providers or to use Medicare.gov. With Medigap and Medicare rates in 2014 you will not know the price points that are available until open enrollment which starts October 15th, 2013. If you have any questions before then, please feel free to comment below and I will be more than happy to put you in contact with the right resources that can be of great assistance. I also have a resource on South Carolina Medicaid applications for those that have the desire to apply for government financial aid.
Source: wojdylofinance.com

Is A Medicare Advantage Plan Right for Me?

When it comes to picking a Medicare plan, it can be very difficult to decide which type of policy you need. When you are evaluating whether you need to get a Medicare Advantage plan or not, focus on your health history and see what you really need the most. For example, if you have a condition that will most likely cause you to be in the hospital at some point, then you obviously need Medicare Part A. If you make frequent trips to the doctor, then getting Part B makes sense too. If you would rather not have to deal with multiple policies, and you want other health benefits as well, then Medicare Part C makes a lot of sense for most people.
Source: wastedenergy.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

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July 17, 2013

PT’s Perspective: Simplifying Medicare G

Posted by:  :  Category: Medicare

Everyone in the therapy community has been buzzing about this topic.  It is the latest form of documentation torture mandated by Medicare. If you bill Medicare in any way as a provider or non-participating provider it affects you. It also affects  MD’s, DO’s, and Chiropractors who bill therapy codes, in ALL settings. The only way to avoid it is to become a provider of a Medicare HMO. Not, in my opinion a great option. It is vital to all practices that they understand and comply with this information for the following reasons:
Source: blogspot.com

Video: Medigap vs Medicare Advantage plan

Senator Asks States If They Alert Medicare to Problem Physicians

Chicago psychiatrist Michael Reinstein wrote an average of 20,000 prescriptions for the antipsychotic clozapine in Part D each year between 2007 and 2009, and another 14,000 in 2010. Last year, he was suspended from Illinois Medicaid, and the Department of Justice has sued him for fraud. But he remains able to provide services under Medicare. Reinstein has treated patients at more than 30 Chicago-area nursing homes and long-term care facilities. He has defended his prescribing in media interviews.
Source: propublica.org

VIRGINIA MEDICARE COVERAGE OPTIONS

Medicare Advantage Plans availability is based on County. To receive an e-mail of all of the available Medicare Advantage Plans in your County, call Senior Healthcare Direct 1-855-368-4717, and one of our Virginia Licensed Medicare Agents will be happy to assist you.
Source: srhealthcaredirect.com

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July 17, 2013

Gerber Life Medicare Supplement Why They Work Best!

Posted by:  :  Category: Medicare

These initial research process may result while in less than powerful niches, but these products niches should seem saved because by means of changes in marketing, it will prove to be a good locale to start when a niche will be saturated and anyone need to seek a new topic. The idea is now to be solutions and be knowledgeable to make most of a good solid profitable niche bit you can, but then be ready for you to change niches just as soon as the application is apparent in which it the niche is generally no longer a distinct segment. It is really best to reverse before the forte stops being excellent not after the concept has failed in order to really bring in suitable income for another extended period of most time.
Source: project-overtone.org

Video: Gerber Life Medicare Supplement

Gerber Life Medicare Wellness Why They Work Best!

Provided that your medical medical insurance (if you they are under 65), Medicare, medicare supplement plans, and Medicare Take advantage Plans do never pay for your an elderly care facility care (unless occasion for medical reasons) you either pay off yourself, qualify as Medicaid which is without question tough, or make use of Long Term Treatments Insurance Policy to pay extra for most if not every one of the costs for that care. How the initial research method may result for less than powerful niches, but the following niches should seem saved because by means of changes in marketing, it will wind up a good post to start when a niche maintains saturated and someone need to try to find a new topic. The idea is regarded as to be solutions and be knowledgeable to make most of the most of a single profitable niche long time you can, but nevertheless , be ready to allow them to change niches just as soon as which is apparent that the majority of the niche is now no longer a niche market. It is really best to opposite before the niche market stops being viable not after information technology has failed of bring in suitable income for a very extended period with regards to time. Medicare insurance Supplement policies will not cover any care that is actually considered long-term, type as care about a nursing home, hearing aids, eyeglasses, vision or treatment care, and private-duty nursing. All of the new supplement tips are guaranteed towards be renewable-meaning our own insurance company most certainly never terminate that policy as time consuming as you offer the premium. Even though one or two previous Medicare programs paid the priced of prescription drugs, no new Medicare health insurance Supplement policies actually are allowed to include prescription drug life insurance. So, in a case where you would comparable to to receive pharmaceutical drug coverage, the concept is advisable on join a Treatment Prescription Drug Schedule (Part D) sold through private carriers that are Medicare-approved. The individual really could not likely believe the large of phone telephone. You’d imagine somebody acquired just come on a huge some of wealth! Followed by which the various opinions between family who many supposed that them Medicare Advantage idea or that Well being supplement was the finest to go. The guy in the store even developed to believe when he and no-one else recognized things the best Advantages HMO in La is? fast food, with regard to example cheeseburger and taco, contains a great deal of vitamin B12. And yogurt, haddock, tuna, milk, pork, egg, pasteurized cheese food, and chicken have in them vitamin B12 also. A lot more area you looks at is this particular “Retirement Security Screening machine Model.” That’s made to model the thoughttlikely retirement income manufactured by Social Security in addition retirement plans in support of birth cohorts anywhere from 1936-1965 with benefits broken out through process of gender and personal status.
Source: typepad.com

Medicare Insurance Vs. Medicare Element Policies

On the topic of the other hand, Medicare advantage has got the services tendered by original Treatment. Advantage planning fall into so many different categories like desired provider organizations alternatively PPOs that impose less fees to find in-network providers, effectively being maintenance organizations and it could be HMOs that request the plan places to use in-network providers, private set fee for service or it may be PFFS that allow the plan spots to visit all the physician and loved needs plans or even a SNPs for ones patients in ought of special hygiene or admitted to nursing home. Moreover, these blueprints and plans sometimes offer Medical Savings Accounts or even HSAs to this original Medicare share dollars that may want to be used to have healthcare services.
Source: ccarconline.org

A Brand New Brief Overview Pointing To Gerber Medicare Medications

Reserved companies sell Medigap Plans. Hence, generally premium too typically is a bit elevated. These offers may prove quite expensive for persons so, who do not need their policies seriously often throughout these year. However, for those who really need hospitals combined with doctors more often, these plans may possibly possibly prove to try to be beneficial. It is for all of this reason that the latest person wanting to go for Medigap, should list depressed all the health care services that, he/she requires annually. Then one have got to work out, in which way many of consumers medical expenses are hands down paid by Medicare health insurance and how a lot does he/she have definitely to spend as out-of-pocket expenses.
Source: bibar.org

Medicare Insurance Part B Insurance Policies Plan

Will be it possible when full coverage rrnsurance plans to be less expensive? Take into attention this example even there is their family of numerous that engages using a travel package for a just two week trip thus they end rising taking a guideline amounting to a suitable hundred and 25 four thousand all of us on a wide-range travel insurance insurance option with provisions because of accidental death as well as dismemberment, emergencies as well as medical expenses, tour delays and cancellations, and lost valuable items. The normal fee price range about such an rrnsurance plan policy will length from two one hundred dollars to two 100 and fifteen usd for the vacationer.
Source: ipas2012.org

Gerber Medicare Supplement Plans and Rates in California

Before a person can apply for a Gerber Medicare Supplement plan, or any other type of Medicare plan, they must first have in place both Medicare Parts A and B.  If you are new to Medicare Part B coverage, you have a 6 month window to choose and enroll in a Gerber Medicare Supplement plan when your Medicare Part B coverage starts.  If you apply during this six month window the approval is guaranteed regardless of your current health status.  This period is called the “Initial Coverage Period (ICP).  This is a fantastic benefit for seniors who are coming off of an individual or employer bases health insurance plan.
Source: wordpress.com

That You Simply Brief Overview Pointing To Gerber Medicare Vitamins

The Tax Lady Roni Deutch and the female law firm Roni Deutch, A Business Tax Corporation already been helping taxpayers nationally find IRS tax relief for much more seventeen years. The firm has experienced tax legitimate professionals who can war IRS tax liens on your benefit. Medicare insurance is the Regarding health insurance deal for seniors and even disabled people. It provides base medical coverage, and furthermore it really is useful our seniors as well as a disabled pay regarding health care. But original Medicare health insurance does not pay for everything, as well as , dental or vision benefits are restricted. People search at the photos of boomers like monoliths quite often. Having said that, living in fact, the Baby Boomers are distinctive from each other only a little. When example, Medicare may possibly possibly pay for a hospital stay in the case of a stressful dental procedure. But it nicely cover the correct dental work. For another example, Medicare does not usually cover reading glasses or contacts. However, it pay after intraocular the len’s cataract surgery. In recent years, however, issues involving medicare supplement.have risen. Concerns about funding while universal health correct care coverage plagued Medicare health insurance. There are definitely issues that full-blown coverage could usually sought with Medicare. Even the issues involving the top notch of health proper care that Medicare is comprised of have become some sort of source of concerns from citizens. Such issues occurred to the escalation in popularity linked Medicare supplement plans, which are really offered to Families by private life insurance providers. Take advantage plans are not standardized like Medigap Plans, so it’s important to understand individual approach rules before you’ll enroll. Come about finding out understanding that prescription drugs get covered. We are all concerned with our eyesight so teeth. Unfortunately these services can be expensive. It may always time to look into some alternatives before going to you have the actual emergency need. Associated with absence of usually the insurance you risk to be obligated to compensate cost of repair of another’s car and / or expenses on course of action of the injured person. Therefore try to get hold of the good autoinsurance in the company with high reputation. The good variant with the insurance offers you side benefits, for example, possibility of free towage of the defective car. The first of the new proposed exemptions, begin, you can in one of the two EHR Incentive Channels and adoption of any certified EHR system, is a airport terminal attack critics who released CMS that there was a conflict one of the requirements of the eRx and that this EHR Programs. Until there remain Medicare-certified EHRs in support of anesthesia services, technique exemption will not really of much purpose to the classic. Pain physicians may have adopted competent EHR technologies, however, and if so, this exemption could shield them from the 2012 eRx punishment. Cms estimates that 209,000 eligible professionals may potentially be subject on the 2012 payment correction if they do not become eligible providers – or find out exemptions — centered on claims data. In 2010, however, 100,444 professionals taken part in the eRx Incentive Program. Pc or google tv has certainly acquired hold in former specialties.
Source: typepad.com

Florida Medigap & Medicare Rates and Insurance Plans 2014

If you are struggling to figure out which plan will work best for you please feel free to comment below and I will be more than happy to assist you with the process. There are some great websites that can go over the plans. The Florida Office of Insurance Regulation will have all the numbers you need. There are some states that do not have a website this thorough. Take advantage of this resource as you live in a state that is helpful to those looking to switch MediGap or Medicare insurance companies.
Source: wojdylofinance.com

Low Cost Plan Gerber Medicare Supplement Insurance

Some changes were effected to cover the modernization therefore eliminating Plans J and K as the benefits offered therein were deemed to be covering some plans in existence. Just to highlight benefits offered by Gerber Medicare supplement insurance plan N, seniors above age 65 get a discount of about 20-30 percent from previous plans. Plan N entails co-paid emergency and doctor visits and is deemed to be best as it covers all other plans available previously.
Source: islandtaekwondo.com

Gerber Medicare Supplement

[…] What will happen if I decide to call or email you about a quote? I will reply promptly with the information you requested and your information will be shared with no one. If you decide that this is not the program for you, I will have no hard feelings and will thank you for the opportunity.Source: newjerseyinsuranceplans.com […]
Source: newjerseyinsuranceplans.com

A Brief Overview Of Gerber Medicare Natural Supplements

Sensitive companies sell Medigap Plans. Hence, generally premium too could be a bit wonderful. These offers may prove expensive for persons which do not are in need of their policies distinctly often throughout generally year. However, for those which are need hospitals and as a result doctors more often, these plans may possibly possibly prove to turn out to be beneficial. Everything is for distinct reason that a single person wanting so that it will go for Medigap, should list down all the specialized services that, he/she requires annually. Then one really work out, tips about how many of the methods medical expenses will most certainly be paid by Medicare insurance and how greatly does he/she have definitely to spend in view that out-of-pocket expenses.
Source: teamara.com

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July 17, 2013

Comparing Part C Medicare Advantage to Original Democratic

Posted by:  :  Category: Medicare

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The most important reason in my opinion for choosing A/B/C over Original Democratic-Party Medicare is that public Part C Medicare health plans must by law (or long-established CMS regulation) protect seniors against financial catastrophe. Original Democratic-Party Medicare has multiple types of lifetime limits (one for hospitals, another for skilled nursing facilities, another for durable medical equipment, etc.). This huge limitation of Original Democratic-Party Medicare is not changed by Obamacare Adding a private Medigap plan effectively provides such protection but does not guarantee it. In some states, private Medigap plans are available with catastrophic coverage.
Source: typepad.com

Video: Medicare Part C Overview

Sightings Over Sixty: I Apply for Medicare, Part II

     The other day I received an envelope in the mail from the Social Security Administration. I opened it up. I got my Medicare card!      I feel like I’ve been accepted into an exclusive club. Better than AAA; better than AARP; better than my America the Beautiful senior pass to the National Parks.      Now, if I only knew what Medicare covers. And what other medical coverage I should get.      I went through one round of trying to figure out how Medicare works, apart from Parts A and B, as I recounted in I Apply for Medicare, Part I. I did learn some information; but not enough to make me think I could find an appropriate backup plan.      So I phoned my sister. She’s older than I am and has been on Medicare for a couple of years — and I know she’s used the system, so I thought I could ask her how it works.      “You haven’t gotten any information in the mail?” she said, incredulously. “I think I got several mailings. But to tell you the truth, I wasn’t paying attention.” She knew she was going on her husband’s medical plan to supplement Medicare. It’s a good plan and, as she said, “It’s almost free,” and so she didn’t research other options. Some people are lucky. And she was happy getting whatever she would get.      My ex-wife had mentioned that she’d gone to an insurance agent specializing in Medicare plans. The agent had assessed her situation, come up with several options for her and explained the details of both coverage and cost. I googled Medicare insurance agents in my town. The nearest one is a 40-minute drive. Maybe I’d go see him, I said to myself, but let me try to figure this out on my own. I really didn’t want to have to drive that far, on speculation that the agent would know what he was talking about, and know what would be best for me.      Of course, I’d neglected to ask my ex-wife what plan she’d decided on. So I called her back. She told me she’s using a United Health Care plan she got through AARP. That was the one recommended to her by her agent; and so far it was working just fine.      Meanwhile, I’d received two thick envelopes from my own insurance company. I opened them up; and the contents were both intimidating, and discouraging. Oh man, I really didn’t want to read all that mumbo jumbo!      Nevertheless, I gamely opened up the package and started to read through the material. There were several HMO plans. But I want to reserve the option to go to a doctor outside my netwowrk, in case I ever need a certain specialist. So I turned to the PPO plans.      I tried to compare PPO I and PPO II and PPO III and PPO “High Option.” I focused on PPO II and PPO III, figuring I didn’t want either the cheapest or the most expensive plan. But it looked to me, as I inspected the columns of benefits, that PPO III is more expensive but offers fewer benefits. That couldn’t possibly be right. So I threw up my hands and gave up. For the moment, anyway. I knew I’d have to go back to it.      Then I thought, I should contact AARP. If it was good enough for my ex-wife, it would probably be good enough for me,      I went to the AARP website. After searching through the site (the insurance plans are hard to find) I found a reference to several AARP Supplemental plans. And I also found a recommendation for Medicare Advantage plan. What’s the difference between Medicare Supplement, and Medicare Advantage? I didn’t know. I’d also seen reference to Medicare Gap plans. What are they?      I decided to call the 800 number. I then spent about 45 minutes on the phone with a woman who explained all about the AARP Medicare Advantage plan that was available in my area. There are several advantages, she explained. It takes the place of Medicare Part C. It includes the Part D drug plan and some dental insurance and some other ancillary benefits.      Then she finally allowed as how the Medicare Advantage plan is an HMO plan. “Oh,” I said. “That means I have to stay in a network?”      “Yes, that’s right. But we have a lot of doctors in the network.”      “Wait a second,” I said, as it finally dawned on me. “Are all Medicare Advantage plans HMO plans?”      “Yes, that’s right.”      “So how can I tell if my medical group accepts this AARP Medical Advantage plan?”      “Oh, I can look it up for you.”      So she put me on hold for a minute. She came back on the line. It turns out my medical group accepts several other United Health Care options. But not this United Health Care Medical Advantage plan. So unless I changed to another doctor in their network, every time I went to the doctor it would be out of network, costing me a fortune.      Were there any other options available to me? I wondered. What about that AARP Supplemental plan I saw on another page of the website?      “Oh, I don’t handle those plans,” said the woman. “They’re administered through someone else.”      So . . . 45 minutes down the drain. But at least I learned that a Medical Advantage plan is an HMO plan, requiring you to go to doctors in their network.      I was drained. No more research today. I quit . . . knowing no more than I knew before — which is that it is easy to sign up for Medicare, but hard to find out exactly what you’re signing up for. But I will figure it out, for sure, for my third and final installment of how I applied for Medicare, coming up (hopefully) next week.     
Source: blogspot.com

Medicare Plan C or Part C??Are They the Same or Different? » Toni Says

, 2013 answers questions such as the difference in Plan C or Part C., donut hole, difference between “Original” Medicare, a Medicare supplement or Medicare Advantage Plan. These questions and many more will be answered at the Confused about Medicare Workshop to be held at The Abbey at Westminster Plaza, 2865 Westminster Plaza Dr., Houston, TX 77082 on Wednesday, May 15th
Source: tonisays.com

How to Enroll in Part D: The Medicare Monster : BoomerCafé.com

Dropping existing coverage may also mean buying some gap insurance or switching to Part C, a.k.a. Medicare Advantage. The private coverage, as we learned, often includes a gap insurance, probably includes a Part D, may offer more benefits and cost less than holding onto the original Parts A and B of Medicare but Medicare Advantage plans may also cost more than what your current union or employer coverage costs now. Again, consider any switches or drops carefully. Do not be afraid to ask questions of a provider ad nauseum; this is serious stuff. It matters. Your health and coverage matter. Important decisions dictate the need for all available information, so make sure you have it.
Source: boomercafe.com

Compare Medicare Advantage Plans

There are a few factors to consider when comparing Medigap polices.    If you’re choosing between a couple different Medicare supplement insurance quotes or companies. The first thing you want to take notice up is the monthly premium. The second is your maximum out-of-pocket for medical expenses. The third is the network. If your plan doesn’t have your favorite Dr. and its network you’ll probably want to know that up front and then decide if it’s a deal breaker. And fourth you want to look at the part D drug formerly. If you take any drugs you would want to know what you’re co-pays are going to be before you sign up. You might find that company a comes out cheaper than company be the medications you take.
Source: qooqe.com

What is Medicare Advantage (Part C)?

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

Medicare Part C, Medicare Advantage Plans, What Does It Cover, Who Is Eligible

Before you enroll in a Medicare Part C plan you will have to enroll in Medicare Parts A and B. Generally, individuals are automatically enrolled in both if they are already receiving Social Security. Otherwise you will need to contact your local Social Security office to enroll. Once you are enrolled in Parts A and B you can select a Medicare Advantage Plan. For most people, this can all be done at the same time, when they turn 65 years of age. There is a seven month window to enroll which starts three months before your birthday month and ends three months after.
Source: bradeninsurance.com

Is A Medicare Advantage Plan Right for Me?

When it comes to picking a Medicare plan, it can be very difficult to decide which type of policy you need. When you are evaluating whether you need to get a Medicare Advantage plan or not, focus on your health history and see what you really need the most. For example, if you have a condition that will most likely cause you to be in the hospital at some point, then you obviously need Medicare Part A. If you make frequent trips to the doctor, then getting Part B makes sense too. If you would rather not have to deal with multiple policies, and you want other health benefits as well, then Medicare Part C makes a lot of sense for most people.
Source: wastedenergy.net

Dental Insurance For Medicare Recipients

You can always try to purchase dental insurance through private companies not associated with Medicare, even if you are already enrolled in Part A and Part B. However, keep in mind that the advantage of purchasing it through Medicare is that private coverage through Medicare is cheaper than normal private coverage. Besides, when you add an advantage plan, you might be able to receive other types of coverage together with dental coverage, and maybe for similar prices to what you would pay if you were to purchase only private dental coverage. However, private coverage dental plans may have the advantage of including fewer rules regarding access service and which physicians you can see.
Source: blogspot.com

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July 17, 2013

2014 Medicare Part B premium

Posted by:  :  Category: Medicare

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What will the Medicare Part B premium be in 2014? One thing is certain, it will not be $247 as rumors reported for the last couple of years. With moderating health care costs and the claims of success for Obamacare in helping to control costs, the Part B premium increase for 2014 is projected to be small and perhaps no increase at all for most beneficiaries.
Source: quinnscommentary.com

Video: Medicare Part B Cost and Late Enrollment Penalty

Medicare Part B Premiums May Hold Steady for 2014

“The Medicare Hospital Insurance trust fund is projected to be solvent for longer, which is good news for beneficiaries,” said Marilyn Tavenner, Administrator of the Centers for Medicare & Medicaid Services (CMS). “Thanks to the Affordable Care Act, we are taking important steps to improve the delivery of care for seniors with Medicare. These reforms aim to reduce spending while improving the quality of care, and are an important down payment on solving Medicare’s long term financial issues.”
Source: iquote.com

Income Thresholds For Medicare Part B And Part D Premiums

While the surtax due to higher Medicare premiums that resulted from the Roth conversion was not huge, at only 1.6%, it nonetheless represents an entirely manageable – and potentially avoidable – surtax that planners and clients should carefully consider. For instance, the client might have decided to convert only $27,000 in the prior example – rather than $39,350 – to keep from exceeding the $87,000 AGI threshold that triggers the first Medicare premium increase, allowing the conversion to have a cost of "only" the 25% marginal tax bracket, and not 26.6%. On the other hand, if the client’s income was higher, the impact would have been more severe. For instance, if AGI was already $85,000, then a $5,000 conversion would result in $1,250 of taxes (at a 25% tax) plus the same $619.20 (for additional Medicare premiums), which leads to a marginal "tax" of $1,869.20 and a marginal tax rate of 37.4%; on the other hand, if the conversion was $10,000, the marginal rate would only be 31.2% (since the additional taxes would rise to $2,500 but the Medicare premium impact would still be the same $619.20/year). The end result: the closer clients are to an income threshold, the better it is to either stay right below the line, or rise far above it until the next threshold (or a new tax bracket) approaches, because the additional Part B and Part D premiums are a flat additional amount even if clients are just $1 across the line (unlike tax brackets, which are always a percentage of additional income). And because the premium adjustments are calculated based on AGI, anything that increases AGI can impact exposure, from IRA withdrawals and Roth conversions, to capital gains, to dividends and interest and income from pass-through entities; on the other hand, any deductions that are taken above the line, such as capital losses or certain business losses, can also reduce exposure.
Source: kitces.com

Deductible Medicare Premiums And Part B Insurance

Beneficiaries can also avail the additional coverage to pay for the deductibles. Covered medical services can be availed through the Part C, Medical Advantage plans by involving in the PPO and HMO. It includes the Medicare Part A and Part B benefits as well. In almost all cases, it comprises of the Part D prescription coverage. You need to pay the monthly premium on the Medical Advantage program. Moreover, the Medigap insurance policy is rendered by private insurance companies and helps in the payment of those expenditures that are not covered by the Medicare insurance facility.
Source: taxpremium.com

Understanding Medicare for Working Individuals

However, if you choose to delay enrollment as a result of existing health coverage based on current employment, which does not include COBRA or retiree health coverage, you can enroll in Part A and/or Part B at any time without penalty. When your employment ends, you then have an 8-month Special Enrollment Period (SEP) to sign up for Part A and/or Part B coverage without penalty. After that, you would be subject to late enrollment penalties.
Source: ehealthmedicare.com

2012 Medicare Deductibles and Premiums: Is This the Year You'll Collect Deductibles at Time of Service?

The largest factor affecting the contingency margin for 2012 is the current law formula for physician fees, which will result in a payment reduction of about 29 percent in 2012.  For each year from 2003 through 2011, Congress has acted to prevent smaller physician fee reductions from occurring. The 2012 reduction is almost certain to be overridden by legislation enacted after Part B financing has been set for 2012. In recognition of the strong possibility of increases in Part B expenditures that would result from similar legislation to override the decrease in physician fees in 2012, it is appropriate to maintain a significantly larger Part B contingency reserve than would otherwise be necessary.  The asset level projected for the end of 2012 is adequate to accommodate this contingenIn 2012, Social Security monthly payments to enrollees will increase by 3.6 percent.    The dollar increase in benefit checks is expected to be large enough on average to cover the increase in the Part B premium of $3.50 that most beneficiaries will experience. For those who were paying the standard premium of $115.40, their benefits checks will only increase.
Source: managemypractice.com

Medicare Part B Premiums Up $5 Per Month Next Year

CQ HealthBeat: Medicare Part B Premium Increase Modest For 2013 With health care inflation relatively stable, officials at the Centers for Medicare and Medicaid Services released rules Friday that include a $5-per-month increase in Medicare Part B premiums and a $28 hike in the hospital inpatient deductible. The Part B premium will reach a milestone, however, topping $100 a month. The monthly payment for Part B, which covers doctor visits, outpatient hospital services, home health care and other items, will be $104.90 next year, compared to the current $99.90. And the deductible for inpatient hospital stays will go to $1,184 in 2013 from $1,156 this year. One item will be decreasing: the Part A monthly premium, which pays for inpatient hospital stays, skilled nursing facilities and some home care for about 1 percent of Medicare beneficiaries who do not automatically qualify for the program. That premium will be $441 a month, down $10 a month from this year (11/16).
Source: kaiserhealthnews.org

Brace for higher Medicare Part B premiums

The Social Security Administration (SSA) uses the tax figures from two years ago to determine the Part B premiums. Thus, the MAGI reported on a taxpayer’s 2011 tax return determines whether the taxpayer must pay a higher monthly Part B premium in 2013. For example, a single filer with a MAGI of $150,000 in 2011 will have to pay a monthly Medicare Part B premium of $209.80 in 2013.  
Source: businessmanagementdaily.com

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July 17, 2013

Application Form For Medicare, Medicare Benefits, Medicare Enrollment, : Consumer's Guide to Medicare Supplement Insurance

Posted by:  :  Category: Medicare

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Source: projectedu.com

Video: Medicare.gov Ad with Leslie Nielsen 2

Mymedicare.gov: Access Medicare Benefits Online

To take the advantage of Medicare online service, you must register in MyMedicare.gov which works as personal account, with Medicare number, last name, date of birth, gender, zip code and your relationship to beneficiary. Once you registered in the site, it allows you to access personalized information at anytime. You can search eligibility entitlement and preventive service information as well as check your Medicare information immediately like Medicare claims and health prescription drug enrollment information. It also permits you to manage your prescription drug list personal health information. You can share your health information with your healthcare providers by creating “On the Go Report”.
Source: webswiki.com

Medicare Part D is prescription drug coverage insurance that is provided by private companies approved by Medicare.

Example: Mrs. Smith didn’t join when she was first eligible-by June 15, 2009. She doesn’t have prescription drug coverage from any other source. She joined a Medicare drug plan with an effective date of January 1, 2012. Her drug coverage was effective January 1, 2010. Since Mrs. Smith was without creditable prescription drug coverage from July 2009-December 2011, her penalty in 2011 was 30% (1% for each of the 32 months) of $31.08 (the national base beneficiary premium for 2012), which is $9.32. The monthly penalty is rounded to the nearest $.10. She pays this late enrollment penalty of $9.30 monthly in addition to her plan’s monthly premium. Here’s the math: .30 (30% penalty) x $31.08 (2012 base beneficiary premium) = $9.32 $9.32 (rounded to the nearest $0.10) = $9.30 $9.30 = Mrs. Smith’s monthly late enrollment penalty
Source: medicare.gov

How to Login & access My Medicare Account section from MyMedicare.gov?

For accessing your Medicare information, Medicare Government has developed an official website www.Medicare.gov. You can find at the official website such as, health and drug plans, health information, plan choices, online services, emergency services and many others. You can easily Login or Sign in at the www.Medicare.gov, This article will helpful you to give full introduction about how to login and create My Medicare Account Sign in at the official site.
Source: letmeget.com

Superannuation – Medicare Super Clearing House (Login Errors)

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Source: com.au

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July 17, 2013

Regulations to Consider Before Opting Out of Medicare

Posted by:  :  Category: Medicare

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There are three basic Medicare enrollment options for physicians: 1. Participating providers. A participating provider is enrolled in the Medicare program and accepts assignment on all Medicare claims. Accepting “assignment” means that the physician bills Medicare directly and accepts as full payment for a rendered service 80 percent of the Medicare fee schedule amount; plus 20 percent of the Medicare fee schedule amount from the patient (or the patient’s secondary insurance). A participating physician must accept assignment for all Medicare covered services; however, the physician can limit the number of Medicare patients he or she treats. 2. Non-participating providers. In many ways, non-participating providers are similar to participating providers. Both are enrolled in Medicare, both bill Medicare directly for services, and Medicare pays both 80 percent of the approved charge for a rendered service. There are, however, some important differences between these providers. For non-participating physicians, Medicare sets the approved amount for a service at 95 percent of what is approved for participating physicians. Accordingly, if Medicare makes payment based on an approved charge of $100 for a participating physician, Medicare will base payment for a non-participating physician on a charge of $95 for the same service. Non-participating physicians, however, are not limited to accepting only $95. They can charge up to 115 percent of Medicare’s allowed charge. For example, for a service with a Medicare-approved charge of $95, a non-participating provider can charge a total of $109.25. The provider would bill Medicare for $109.25 and Medicare would pay $76 (80 percent of the $95 Medicare-approved fee). Even though the physician would bill Medicare for this service, the payment would be made to the patient, and the physician would need to collect the amount directly from the patient. The patient or secondary-payer would be responsible for $19 (20 percent of the $95 Medicare approved fee). The remaining amount ($14.25) would be billed to the patient. 3. Opt-out providers. Physicians opting out of Medicare bill patients directly for services otherwise covered by Medicare. Unlike both a participating and non-participating provider, physicians who have opted-out of Medicare may not bill Medicare for services (with the limited exception of some emergency services), and Medicare beneficiaries receiving services from an opted-out provider may not seek reimbursement from Medicare. To privately contract with a Medicare beneficiary, a physician must enter into a written, private agreement with the patient that meets specific requirements, as set forth by Medicare regulations.  In addition to the private agreement, the physician must file an affidavit with Medicare that also meets certain Medicare regulatory requirements. The affidavit must be filed no later than 30 days before the first day of a calendar quarter. A physician has 90 days after the start of the opt-out period to revoke his or her decision and remain enrolled in Medicare. After that time, the opt out is effective for two-years.
Source: physicianspractice.com

Video: Phone Number Medicare Providers Hoverround Multiple Sclerosis By Irvine

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Source: candwcredentialing.com

Kusserow’s Corner: Medicare Exclusion Database

Well, the answer to all these questions is simple.  Providers don’t need to worry about this.  Only those who are federal contractors to CMS are authorized access to the MED; and the MED is not accessible to the public, including the health care provider community.  The information is only available to those with “IACS IDs” – that is, “Individuals Authorized Access to the CMS Computer Services.”  The CMS credential/access system for the IACS requires potential users to register for different roles/systems and needs approval by CMS personnel.  Users must enter their account numbers and failure to do so will result in a rejected application.
Source: wolterskluwerlb.com

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