trend tubes: Npi Registry

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Fear Factory – Descent (Life NPA) NPI Registry Search Home All information produced by the NPI Registry is provided in accordance with the NPPES Data Dissemination Notice. Information in the NPI Registry is updated daily. … NPI Registry Search NPI Registry Search. Please enter data for at least one of the following fields. … To perform a wild card search, at least two characters must be entered before … NPI Lookup NPI Registry, NPI Number, NPI Finder, NPI Lookup, NPI Search, Lookup NPI, Find NPI, Search NPI, National Provider Identifier, NPI Database, NPI Registry, NPI Directory NPI Lookup by ECARE.COM ecare, npi, free npi, npi lookup, npi search, npi registry, npi finder, online eligibility, claim submission, claims statusing and more… NPI Data Registry search Find providers npi number by search of npi database registry. Lookup search to find doctors medicare npi provider numbers from cms type data registry database. Cms … NPI Registry Number Look Up from NPInation.com NPInation.com – The ultimate NPI registry lookup, NPI search, and UPIN search site. NPI Lookup, Doctor Reviews, Find Doctors in the NPI Database … Doctor Reviews & NPI Lookup – Search the NPI registry to find a doctor, physician or health care orginization. Search from over 3 million health care providers nationwide. Data Dissemination National Provider Identifier Standard (NPI) The NPI Registry become operational on September 4th and CMS posted the downloadable file on September 12th. … The NPI Registry will then display the FOIA-disclosable data for … UPIN Lookup by ECARE.COM … Database, NPI Registry, ecare, upin, free upin, upin lookup, npi, free npi, … How to Update Your NPI Registry
Source: blogspot.com

Video: NPIDS eDirectory – NPI Lookup (PDF Directory of US Healthcare Providers from NPI Data Services)

CPT symbols of CPT reference coding books

- Semi-colon in a CPT description denotes that everything to the left of the semi-colon is applicable to the indented shorter descriptions following. * – Asterisk or star shows after minor surgery codes to show preoperative and postoperative services are included and means the package or global surgery is not applicable. These procedures are usually paid as fee-for-service. + – Plus symbol identifies add-on codes usually performed at the same time and by the same provider as the primary procedure. There are usually notes in parenthesis to indicate the primary code(s) that these apply to. Circle with line through it – Means modifier -51 is not assigned to the code and are not add-on procedures. Lightning Bolt – Indicates product is pending FDA approval. Dot surrounded by Circle – Denotes moderate sedation.
Source: medicalbillingcptmodifiers.com

CMS Revises Medicare National Coverage Determination Process, Eases Path to Discontinue Outdated Coverage Policies : Health Industry Washington Watch

Posted by:  :  Category: Medicare

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Most notably, the notice outlines a new, expedited administrative process to remove certain NCDs that CMS determines to be no longer needed, thereby enabling local Medicare contractors to determine Medicare coverage. In explaining the impetus for its proposal, CMS notes that “[w]e are aware that clinical science and technology evolve and that items and services that were once considered state-of the-art or cutting edge may be replaced by more beneficial technologies or clinical paradigms.” CMS therefore intends to periodically review the inventory of NCDs that have not been reviewed for more than 10 years to evaluate whether there is a continued need for national policies. CMS believes that local contractor discretion is more appropriate in these cases because “the future utilization for items and services within these policies will be limited.” Under the new, streamlined process, rather than use the formal NCD reconsideration process (which generally takes 9 to 12 months), CMS will periodically publish on its website a list of NCDs proposed for removal along with the agency’s rationale. CMS will solicit public comment for 30 calendar days, and then either: (1) follow the proposal to remove the NCD; (2) retain the policy as an NCD; or (3) formally reconsider the NCD and post a tracking sheet to that effect on the CMS coverage website. The final list will be effective upon posting it to the website.
Source: healthindustrywashingtonwatch.com

Video: Medicare Supplement vs. Medicare Advantage Plans – A Doctor’s Perspective

Spillover Benefits From Medicare Advantage

[I]ncreasing MA monthly payments by $100 (about one standard deviation) would increase the share of beneficiaries in MA by just under 5 percentage points…This would increase total MA spending by $100 per month for the existing and new enrollees, or almost $5 billion in total for these states. Overall costs of hospital care is estimated to go down by something like 2% when MA penetration increases by 5 percentage points, off a base of total hospital costs for the [traditional Medicare] population remaining in these states (after the implied shift to MA) of just under $30 billion, or about $600 million. Hospital costs for those in [traditional Medicare] would thus go down by upwards of 10% of the increase in spending on MA.
Source: ncpa.org

HHS Inspector General Raises Concerns About Medicare Policy On Observation Care

Boston Globe: Beth Israel Deaconess Settles With US For $5.3m Faced with government allegations of improper billing, Beth Israel Deaconess Medical Center paid $5.3 million Monday to settle claims that it overcharged Medicare by admitting patients who should have been treated less expensively as outpatients. The allegations involved patients who were admitted to the Harvard teaching hospital for brief stays between 2004 and 2008 and who were suffering from congestive heart failure, chest pain, gastroenteritis, and nutritional and metabolic disorders, federal officials said in a written statement (Kowalczyk, 7/30).
Source: kaiserhealthnews.org

Medicare Bad Debts and CMS’s “At a Collection Agency Policy”

In a Memorandum Opinion issued July 19, 2013, another judge of the D.C. district court upheld CMS’s “at a collection agency” policy. Lakeland Regional Health Sys. v. Sebelius, Civ. Case No. 12-600 (RJL)  The court concluded that the policy is supported by substantial evidence, by the language of the regulation at 42 C.F.R. 413.89(a), by the Secretary’s interpretive guidance, and by past administrative practice. The court stated that, where an outside collection agency continues collection efforts on behalf of a provider, it cannot be said that a bad debt is “actually uncollectible when claimed as worthless” or that “sound business judgment” establishes that “there was no likelihood of recovery at any time in the future,” as the regulation requires. Moreover, the court said, the fact that CMS’s policy was not explicitly set forth in writing prior to the bad debt moratorium is not fatal. The Interpretive Guidance in place prior to August 1, 1987, the court ruled, “did not purport to be a comprehensive review of all conditions that might be placed on reimbursement” of Medicare bad debts. The court thus concluded that it cannot logically be inferred that the agency lacked a policy to disallow reimbursement of accounts pending at a collection agency or had a contrary policy.
Source: jdsupra.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

Utah Medicare Supplements

A Utah Medigap (also called Utah Medicare Supplement Insurance) policy is private health insurance that is designed to supplement Original Medicare. This means it helps pay some of the health care costs (gaps) that Original Medicare doesn’t cover (like copayments, coinsurance, and deductibles). If you are in Original Medicare and you have a Medigap policy, Medicare will pay its share of the Medicare-approved amounts for covered health care costs. Then your Medigap policy pays its share. (Note: Medicare doesn’t pay any of the costs for you to get a Medigap policy.)
Source: utahseniorservices.com

Who Qualifies for Medicare Supplemental Insurance

In it’s most simple terms, medicare supplemental insurance assists people with paying medical costs that aren’t covered by Medicare. Also called Medigap insurance, these policies are sold by private insurance companies. Medigap will help pay for deductibles, co-payments and co-insurance.
Source: sdecocenter.org

Observation status: How Medicare's solution could make things worse

The potion that turned this particular policy into a monster was the Recovery Audit Contractor (“RAC”) audits, whose existence was authorized by the 2003 Medicare Prescription Drug Act. RAC auditors can target a hospital, pull a hundred or so charts, and, if they find improper billing, collect a bounty for every dollar they save CMS. With the determination of obs status so amorphous, hospital administrators have adopted a “better safe than sorry” stance, generally deciding that cases that are anywhere near a close call should be called obs. (Just this week, Beth Israel Deaconess Medical Center in Boston forked over $5.3 million to Medicare to settle charges related to admissions that auditors believed were really obs.) The result of all this angsty wheel-spinning: the number of obs cases in the U.S. went up by 50 percent between 2006 and 2011, with a more-than-400 percent (!) increase in Medicare patients staying more than 48 hours under observation.
Source: kevinmd.com

Already on Medicare? Don’t worry about the new health insurance exchanges

Those of you on Medicare may also decide to purchase a supplemental insurance policy, referred to as a Medigap policy. It is sold by private insurance companies to fill in the gaps in Original Medicare coverage. It pays some of the health care costs that Original Medicare does not cover. If you are on Medicare and have a Medigap policy, then Medicare and your Medigap policy will pay both their shares of covered health care costs.
Source: everydayfinancialplanner.com

Competitive Bidding In Medicare: A Response To The Bipartisan Policy Center’s Proposal

Note 6.  At the time of the Denver demonstration, health plans were paid by Medicare at a so-called average per capita cost (AAPCC) rate.  Under the AAPCC, payments were set at 95 percent of the cost of a standardized enrollee in Medicare FFS in the county where the beneficiary lived, with adjustments for a few enrollee characteristics (e.g., age and sex).  The imperfections of the system were obvious, with large overpayments in some areas (allowing plans to offer drug benefits and other substantial enhancements at no added cost) and underpayments in other areas (requiring added premiums to cover little more than the entitlement benefit).  After the Denver demonstration was stopped temporarily by the courts and then more permanently by Congress, Congress dealt with the issue of plan payments by cutting payments across-the-board in the Balanced Budget Act of 1997, so that very low and very high payments under historical methods were compressed toward the national average.  This was yet another cycle in paying private Medicare plans too generously and then, under the BBA, more stringently, but in both cases the rates were derived from FFS Medicare costs, not plans’ true costs to provide the service.
Source: healthaffairs.org

South Dakotans asked to weigh in on Medicare and Social Security

Posted by:  :  Category: Medicare

“Social Security and Medicare are promises our country made to current and future retirees,” said Sarah Jennings, state director for AARP South Dakota.  “Some in Washington believe cutting benefits is the way to address the long-term challenges facing the programs that so many of our neighbors across the state rely on in retirement.   But AARP believes older South Dakotans deserve responsible commonsense solutions, not harmful cuts.”
Source: kotatv.com

Video: Medicare Coverage In South Dakota by 1 800 MEDIGAP®

South Dakota, You’ve Earned a Say!

AARP South Dakota kicks off its 2013 You’ve Earned a Say tour with the first of 11 sessions across South Dakota held in Sioux Falls, Thursday, May 30, from 1-2 pm at Active Generations.  The session is free, and AARP membership is not necessary to attend, but registration is required as seating is limited. Register now, or call 1-877-926-8300 to register.   Check our our Event Calendar for a complete list of dates and locations for additional sessions across South Dakota.
Source: aarp.org

Viewpoints: Expanding Abortion Restrictions; Lift The Ban On Gay Blood Donors; Medicare’s Price Schedules

St. Louis Post-Dispatch: As Whooping Cough Returns, Trust Science, Not Opinion People who listen to bogus science and deny facts from legitimate scientific studies are pushing an agenda that a wise parent should back away from. In fact, backing away is too slow. Turn and run. … It comes down to this: Who would you rather get medical advice from — Jenny McCarthy, former nude model turned childhood development expert, or the Journal of Pediatrics? Ms. McCarthy is convinced that her son’s autism is linked to childhood vaccinations. But in April, pediatric researchers published a study that looked at nearly 1,000 children and concluded that exposure to vaccines during the first two years of life was not associated with an increased risk of developing autism (7/19).
Source: kaiserhealthnews.org

Medicare Supplement Insurance Approved for South Dakota Seniors

We are pleased to announce the availability of lower cost Medicare Supplement Insurance in South Dakota. The South Dakota Department of Insurance approved Medicare Supplement Insurance plans from State Mutual Insurance Company and made it possible for us to offer extremely competitive Medicare Supplement Insurance rates for qualifying South Dakota seniors.
Source: statemutualinsurance.com

The uninsured in South Dakota

SD Budget & Policy Project analyzed Census Bureau 2010 SAHIE data to create county specific graphs illustrating how may uninsured South Dakotans are in the county and how many fall into income eligibility categories for health insurance under provisions of Medicaid Expansion and Federal exchange subsidies. Minnehaha, Pennington, Lincoln, Brookings, Brown and Meade had the highest uninsured population.  To see data from every county, check the below table or this link to graphs for all counties in the state. 
Source: sdbudgetandpolicyproject.org

Payer Transmit Delay for Multiple Payers

Due to a system issue, a delay occurred in the transmission to the following payers from the clearinghouse on 06/13/2013: • CPID 1456 Arizona Medicare • CPID 5546 Arizona Medicare • CPID 3581 Dean Health Plan • CPID 1497 Dean Health Plan • CPID 1414 Florida Blue Shield • CPID 3517 Florida Blue Cross • CPID 6432 Health New England • CPID 1469 Iowa Medicare • CPID 5557 Mississippi Medicaid • CPID 3611 Molina Healthcare of Utah • CPID 5584 Montana Medicare • CPID 1865 Multiplan New Orleans Division • CPID 8556 Multiplan New Orleans Division • CPID 2411 North Dakota Blue Shield • CPID 5593 North Dakota Blue Cross • CPID 2453 North Dakota Medicare • CPID 2704 Ohio Workers Comp MCOs • CPID 1459 Oregon Medicare • CPID 5515 Oregon Medicare • CPID 1531 Ucare of Minnesota • CPID 2466 Wyoming Medicare • CPID 5581 Idaho Medicare • CPID 7400 Montana Medicare • CPID 2454 South Dakota Medicare • CPID 5589 South Dakota Medicare • CPID 3584 Wyoming Blue Cross • CPID 3521 Minnesota Medicare • CPID 5940 Mutual Health Services (fka – Antares Management Solutions) • CPID 4873 Mutual Health Services (fka – Antares Management Solutions) • CPID 2571 Iowa Medicaid • CPID 5521 Washington / Alaska Medicare • CPID 1462 Washington Medicare • CPID 1455 Alaska Medicare • CPID 2715 Hawaii Medicaid • CPID 3900 Trillium CHP (fka Agate Healthcare (LIPA)) • CPID 2444 Trillium CHP (fka Agate Healthcare (LIPA)) • CPID 1403 Oklahoma Blue Shield • CPID 1514 Oklahoma Blue Cross • CPID 4480 Select Health • CPID 4728 Deseret Mutual Benefit Associates • CPID 2404 Oregon Blue Shield • CPID 5516 Oregon Blue Cross • CPID 7426 Idaho Blue Shield Regence • CPID 1496 Colorado Medicaid • CPID 1548 Colorado Medicaid • CPID 7495 Nevada Medicaid • CPID 2907 Nevada Medicaid • CPID 1527 Utah Medicare • CPID 1406 Texas Blue Shield • CPID 1682 CarePlus Health Plans, Inc. • CPID 1568 Minnesota Medicaid • CPID 1468 Minnesota Medicaid • CPID 1523 North Dakota Medicare A resolution has been implemented and the claims were transmitted to the payer on 06/14/2013 after the payer’s daily cut off. If you have any questions, please contact Client Services at 1-888-348-8457, option 2.
Source: collaboratemd.com

Medicare Chief Queried on Medicare Part D Preferred Pharmacy Plans

In recent months, significant questions have been mounting regarding preferred pharmacy plans in the Medicare Part D drug benefit. They have been expressed by patients, community pharmacists (including NCPA), 30+ Members of Congress and a key congressional advisory panel known as the Medicare Payment Advisory Commission. Most recently, they played out at a U.S. Senate Finance Committee hearing April 9 concerning the nomination of Marilyn Tavenner to be the Administrator for the U.S. Centers for Medicare & Medicaid Services (CMS), the agency that runs Medicare.
Source: wordpress.com

Quick Take: Geographic Variation in Dual Eligible Enrollment

In addition to the variation across states in the share of Medicaid beneficiaries who are dually eligible, there is also variation between counties within states. Figure 2 shows county-level data on the share of Medicaid beneficiaries who are dual eligibles.  This map also indicates the location of cities (marked by red dots) with populations greater than 250,000.  It demonstrates how state-level averages can mask substantial geographic variation within a state.  While some states, such as Ohio and Maine, have a fairly consistent share of dual eligible Medicaid beneficiaries across most counties, other states such as Idaho and Texas show wide county level variation.  For example, in Texas, in Moore County, fewer than 10 percent of Medicaid enrollees are duals, versus nearly 46 percent in Terrell County.  In many counties across the nation, the share of Medicaid beneficiaries who are dually eligible is over 30 percent, more than twice the national average.  A handful of counties—primarily in largely rural areas such as Nebraska, North Dakota, South Dakota, and Montana—have more than half their Medicaid population dually enrolled in Medicare.
Source: kff.org

‘Cadillac’ Health Plans Taxed By Obamacare

Posted by:  :  Category: Medicare

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Critics of the Cadillac component of Obamacare claim that tying the tax merely to the total cost of the plan unfairly puts the burden on smaller companies and those with older, sicker work forces, because they may pay more money for coverage that’s not as generous as that of bigger firms with better bargaining power with the insurers. “Because the tax is triggered by high premiums, the tax will hit many workers with ordinary, not exceptionally generous health plans,” Elise Gould wrote in a May paper for the Economic Policy Institute.
Source: businessinsider.com

Video: Individual Health Insurance and Family Medical Plans: PART 4

ZocDoc grades health plans in online guide to insurance exchanges — Tech News and Analysis

If you plan to buy health insurance through the new exchanges – or even if you’re just choosing a plan through your employer – a new resource from ZocDoc could help you out. Using its data on doctor appointment availability and other factors, it grades the carriers on how easy it is to get an appointment, the accuracy of their doctor directories and customer service.
Source: gigaom.com

Daily Kos: Missouri legislator wants to opt out of contraception in state health care plan

I just don’t understand these people.  If they don’t want to use coverage, so they might pay less, then fine.  At some point, however, you have to accept the logic that you have to have some bundling of service together to provide a price point upon which to set your insurance.  As others have pointed out, there’s no choosing not to have various other services that may or many not be needed by you, and yet they have to be paid for and the only way to make them affordable is to spread the cost over the whole risk pool.  For example – I don’t expect to need coverage for which Viagra is mentioned above, yet that will still be (and probably has been – I have no idea) covered in my insurance.  I’m paying for it, but can’t decline it and be cheaper.  I may have other needs, but I am getting subsidies from other subscribers who won’t have those needs, because we all pay into a pool and draw out the help for what we do need.
Source: dailykos.com

State rejection of 5 companies’ health plans draws criticism

Because those companies won’t be allowed to sell commercial plans inside the exchange, low-income people, who are more likely to have fluctuating incomes, won’t be able to stay with the same insurance company if their income rises to the point they no longer qualify for Medicaid, she wrote in a blog post. If they have to switch from Medicaid to a commercial plan inside the exchange, they may have to move to a new doctor and provider network.
Source: seattletimes.com

Vermont Health Connect Announces Final Plans for Health Insurance Marketplace

The plans are offered at four levels: Platinum, Gold, Silver, and Bronze. The levels vary in the amount of premium versus out-of-pocket costs, and those purchasing as individuals and employees alike may pick the plan that best meets their medical needs and budget. All plans offer the same quality benefits, including preventive care, mental health services, and dental and vision coverage for children. The lowest rates, before financial help is applied, for individual monthly premiums at each of these levels average to: $347.80 for Bronze, $426.35 for Silver, $505.45 for Gold and $588.55 for Platinum. Also through Vermont Health Connect, catastrophic plans are available to some people under 30 years old, and adults can purchase Delta Dental benefits.
Source: vermont.gov

Maine releases comparisons of health insurance plans proposed for exchange

The new summary of Maine’s exchange plans came as U.S. Health and Human Services Secretary Kathleen Sebelius criticized some states for forecasting that health insurance costs will skyrocket under the Affordable Care Act, often called Obamacare. Sebelius, President Barack Obama’s top health care adviser, did not name the states, but labeled the forecasts as “factually incorrect” and vowed that the administration would set the record straight in September.
Source: medcitynews.com

12 Insurance Plans Join California Health Exchange

The other companies included are Alameda Alliance for Health, Chinese Community Health Plan, Contra Costa Health Plan, L.A. Care Health Plan, Molina Healthcare, Sharp Health Plan, Valley Health Plan and Western Health Advantage.
Source: cbslocal.com

Sebelius Open To ‘Uniquely Texan’ Health Care Plan

Sebelius and local officials also want to draw attention to the repercussions of Perry refusing the expand Medicaid, the health insurance program for the poor and disabled. Federal officials offered to pick up 100 percent of the programs cost in the first two years, if states agreed to expand the program to include the working poor who do not get insurance at work. Currently, only the poorest parents and most severely disabled qualify.
Source: cbslocal.com

Affordable Care Act’s 10 Essential Health Benefits

As of Oct. 1, every state will have a health insurance marketplace, where consumers can shop for coverage. In addition to mandating that insurers in those marketplaces offer the 10 essential health benefits, the health care law also sets certain standards that all insurers must meet, whether they’re providing health insurance through an employer or directly to individuals and small groups. The law:
Source: aarp.org

Some medical insurance plans, rates approved for state’s new health exchange

Three of these insurers – Group Health Cooperative, Lifewise and Premera – now also have approved individual plans for sale outside of the Exchange. Six additional insurers (Asuris, Regence Blueshield, Regence Blueshield of Oregon, Group Health Options, Time and Moda) have filed individual health plans for sale outside of the Exchange. Kreidler has until the end of September to approve these plans and their rates.
Source: q13fox.com

Yes, ObamaCare destroys consumer

That won’t be an option next year. In 2014, plans sold on the individual and small-group markets will have to meet new standards for coverage and cost-sharing, among other things. In addition to providing 10 so-called essential health benefits and covering many preventive-care services at no cost, plans must pay at least 60 percent of allowed medical expenses and cap annual out-of-pocket spending at $6,350 for individuals and $12,700 for families. (The only exception is for plans that have grandfathered status under the law.)
Source: unitedliberty.org

Medicare Advantage Plans: Are They For You?

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To assist consumers, Medicare now rates Medicare Advantage programs using a star system. Using member satisfaction surveys and plan evaluations, plans are rated between one and five stars. In fact, at any time, you can switch into a five-star Medicare Advantage plan, but only if one is available in your region (only a few states have a five-star plan). Even if your area does not offer a top-rated plan, every state offers at least a four-star plan.
Source: marottaonmoney.com

Video: Medicare Advantage Plans Ratings | Medicare Part C

MedicareIsSimple: Medicare Advantage and Prescription Drug Plan Fact Sheet

As of May 2013, there were 14,691,443 enrollees in Medicare Advantage related programs, including 86.4% in Local HMOs and Local PPOs; 2.6% in PFFS plans; 7.4% in Regional PPOs and 3.6% in Other Programs including Cost, PACE, MSAs, and pilots. 87.7% of these MA beneficiaries had a MA prescription drug plan; 11.6% were Special Needs Plans enrollees; and 18.2% were Employer Plan enrollees. 1 The top five states for Medicare Advantage enrollment as of May 2013, which account for 42% of total MA enrollment, are as follows: California – 1,964,365; Florida – 1,333,278; New York – 1,080,942; Pennsylvania – 954,089; and Texas – 909,142. There are fourteen states and territories with over a one-third penetration rate (compared to the national overall rate of 28.6%): Puerto Rico – 72.1%, Minnesota – 49.9%, Hawaii – 46.2%, Oregon – 42.5%, Pennsylvania – 39.5%, Arizona – 37.8%, California – 37.6%, Ohio – 37.6%, Florida – 36.2%, Colorado – 35.4%, Rhode Island – 35.4%, New York – 33.9%, Wisconsin – 33.7% and Utah – 33.4%. 2 As of May 2013, there were 22,564,532 enrollees in Medicare Prescription Drug Plan enrollees, including 19.8% that are Employer Plan enrollees. 1   The top five states for PDP enrollment, which account for 31.9% of total PDP enrollment, are as follows: California – 1,989,753, Texas – 1,516,077, Florida – 1,324,743, New York – 1,322,296 and Illinois – 1,051,467. There are eighteen states with over a 50% penetration rate (compared to the national overall rate of 43.9%): North Dakota – 65.3%, Delaware – 63.4%, Iowa – 61.5%, South Dakota – 58.9%, Mississippi – 57.7%, Michigan – 57.5%, Nebraska – 57.5%, Vermont – 56.9%, Kansas – 56.2%, Wyoming – 55.9%, New Jersey – 55.3%, Kentucky – 53.8%, Illinois – 53.4%, North Carolina – 52.2%, Indiana – 52.2%, Maine – 51.7%, New Hampshire – 51.0% and Oklahoma – 50.1%. 3 Previously, there were 6.9 million MA enrollees in 1999, 5.6 million in 2005 and 13.1 million in 2012, with overall penetration rates of 18% in 1999, 13% in 2005 and 27% in 2012. 4
Source: blogspot.com

Medicare Targets Health Plans With Low Ratings

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

Ritter Insurance Marketing Has Signed a Field Marketing Organization Agreement With Excellus BlueCross BlueShield (BCBS)

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Source: 88finance.com

Guest Blog: Managing Risk and Revenue in the Health Insurance Marketplace

Lumeris encourages payers to partner with physicians, giving them the tools and training they need to become true population health managers.  Because little or no health records exist on these soon-to-be-insured individuals, physicians must acquire comprehensive information on these new patients. They can do this through a patient-specific prospective health assessment.  These assessment programs provide the tools and education physicians need to accurately document and code, in great detail, high-risk patients. So what makes us different than all of the other vendors offering a prospective health assessment?  Our Enhanced Encounter program, when used in our Medicare Advantage Plans, has nearly a 70 percent completion rate driven primarily by our model, which centers on physician engagement and education.  Another benefit of the Enhanced Encounter program is that it preserves and enhances the physician and patient relationship, reinforcing a cost-effective PC model.
Source: lumeris.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

Medicare Advantage Changes: Why You May Pay More for Less

Sure, the MAOs could lower quality but at a risk of losing needed bonuses, but the needed funds to maintain operations could be found by reducing benefits and service area. This is a crucial factor for beneficiaries to be aware of.  Still, with the possibility of increased premiums and fewer benefits there is potential for many plan exits. As the healthy people who do not need to pay much for health insurance start to drop their plans the ill or chronically ill people that need the plans and derive benefit from them will stay. This is underscored as the most formidable flaw of the ACA, and could pose as a problem for the health care system.  Because of the increases in beneficiary cost sharing and beneficiary premiums it is predicted that people with lower incomes and people that are more likely to need medical care, such as for a chronic condition, are most likely to be adversely affected by the changes. People needing frequent medical care are expected to be paying higher premiums. It is said that services such as dental and over the counter medication coverage will most likely not be in the future of the MAOs.
Source: bhmpc.com

Ritter Insurance Marketing Has Signed a Field Marketing Organization Agreement With Excellus BlueCross BlueShield (BCBS)

“Excellus BlueCross BlueShield has a long history of meeting the health insurance needs of the residents of our service area by providing them with Commercial Group Health Insurance, Individual/Family Health Insurance and Medicare products,” said Roger van Baaren, Vice President of Medicare Sales, Excellus BCBS. “We selected Ritter Insurance Marketing as our FMO based on a very successful track record with other non-profit Medicare Advantage Health Plans. We are confident that Ritter will provide the resources and services that independent agents will need to succeed with Excellus BlueCross BlueShield.”
Source: healthcareglobal.com

How will Medicare Advantage Developments Affect Your Products?

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Source: wordpress.com

Maine health group receives five

The rating identifies Martin’s Point Health Care as the only Medicare Advantage carrier in Maine, and one of just two in New England, to win the top-ranking five-star designation. The designation grants Martin’s Point significant benefits, including higher reimbursement levels than other Medicare Advantage plans as well as the ability to enroll new members year-round rather than only during the annual open enrollment period to which other plans are limited. That period runs from Oct. 15 to Dec. 7 this year and also is the window for enrolling in or changing Medicare Part D prescription coverage plans.
Source: bangordailynews.com

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August 18, 2013

BONUS Supplemental insurance + Mission fully protected

Posted by:  :  Category: Medicare

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Supplemental health insurance BONUS is another innovative product that offers each individual the best insurance protection and it includes not only convincing performance but also an ingenious bonus system.
Source: jwt.com

Video: Supplemental Insurance Explained

Who Qualifies for Medicare Supplemental Insurance

In it’s most simple terms, medicare supplemental insurance assists people with paying medical costs that aren’t covered by Medicare. Also called Medigap insurance, these policies are sold by private insurance companies. Medigap will help pay for deductibles, co-payments and co-insurance.
Source: sdecocenter.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

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

Do I Need Supplemental Insurance?

When you enroll in a supplemental insurance plan, they will cover a portion, if not all, of what Medicare leaves you to pay. How much they cover depends on the extent of your plan. Every supplemental insurance company is different and will require monthly or annual premiums to use. It is up to you to shop around to find the one that is most beneficial to you.
Source: insuranceagentreference.com

Retired Firefighter Helps Millions by Designing Successful Medicare Supplemental Insurance Website

(EMAILWIRE.COM, August 03, 2013 ) Los Angeles, Ca — On retired firefighter Stephen Pewter

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August 18, 2013

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

Florida Medicare Advantage Plans from Freedom Health

Since the health maintenance organization (HMO) deals strictly in Medicare and Medicaid plans, its medicare supplemental coverage is offered in combination with an existing Medicare or Medicaid policy. Therefore, to qualify for one of their health plans, you will already have to be enrolled in a Medicaid policy or Medicare Part A and Part B. Freedom Health has several different Medicare Advantage plans to choose from. These include plans that provide prescription drug coverage and have Part B premium reductions, as well as those aimed at customers with chronic conditions and those who have coverage with both Medicare and Medicaid.
Source: qooqe.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

Health First Medicare Supplements Address Coverage Gaps

Plus, as an added service not covered by Medicare, all policy holders are entitled to a free fitness membership at the Health First Pro-Health & Fitness Centers in Melbourne, Merritt Island, Palm Bay and Viera, and Parrish Health & Fitness Center in Titusville.
Source: spacecoastmedicine.com

Florida health insurance broker: excellent services and special attention.

Florida Health Insurance Broker can help you find the best life insurance policy for you or your business. If you are looking for a life insurance quote or you are ready to buy life insurance, give Neil a call today. Neil can help you with a variety of different plans including group life insurance, whole life insurance and term life insurance.
Source: blogspot.com

Warning for Diabetics: Inaccurate Diabetes Test Strips and Illegal Supplements

Writing in Huffington Post, diabetes advocate Riva Greenberg accuses the Food and Drug Administration (FDA) and the Medicare Competitive Bidding system of allowing cheap strips into the marketplace even though they give false glucose readings. Medicare has reportedly introduced competitive bids on test strips which accounts for the flood of overseas manufacturers to enter the market. Unfortunately, about one-fifth of those tested did not meet the minimal federal standard of U.S. manufacturers.
Source: searcymasstort.com

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

Medicare Supplements: Florida Seniors and Medicare Supplement Insurance Plans

Florida Medicare Supplement Premiums and Selection, some influences. In the state of Florida you may expect to pay up to 60% more for your standardized Medicare Supplement Plan. The Florida rates are among the highest in the nation. The temperate climate, easy lifestyle, vibrant and active senior community, and lower housing costs and taxes in Florida are just some of the reasons that so many Americans choose to retire here each year. Florida leads the nation in percentage of citizens 65 and older with 17.7 % of the total population falling into that category. Currently Florida’s Senior population is over 3,339,000. Medicare Beneficiaries in Florida number over 3,300,000. Since medical expenses increase as we get older, a very large group of aging people will impact the cost of doing business for an insurance company that is marketing Medicare Supplement Plans to that group. The higher claims cost has caused some companies to decide not to offer plans in Florida. This limits the choices for seniors. This also causes the premiums to be more expensive. Another factor affecting Florida Supplement rates are some of the insurance regulations in the state. These tend to be good for the consumer, but can also cause higher rates. Issue age pricing. All Medicare Supplement Plans in Florida must be sold as “issue age” vs. “attained age”. With issue age pricing your premium depends on your age when you purchase the policy. Attained age plans increase based on your age as you get older, these increases tend to be significant. Issue age policies do not increase based on age, rather are in conjunction with increases in the Medicare deductibles and other cost sharing and have much less impact on the cost of the plan, resulting in predictable costs going forward. All insurance companies wishing to market Medicare Supplements in Florida are mandated by the state to have plans available to people who qualify for Medicare under the age of 65. These are beneficiaries who typically have been on SS disability for 24 months. This gives them the ability to secure protection against medical costs and increased quality of care. It also creates a higher risk, higher cost group of insured. These are only a few of the factors contributing to the higher cost for Medigap Plans in Florida. If you are a Florida Senior you owe it to yourself to be pro-active and compare plans and prices so that you can be confident that you are getting the most bang for your health care dollar and that you have the right coverage for you.We are standing by to help. Stephanie Coutavas is an Insurance Professional specializing in Senior Insurance Solutions and Medicare Insurance. Co-founder and Senior Broker at http://www.medicarequote4u.com/ /Common Sense Insurance Solutions Group. Stephanie decided to specialize in Medicare because, “I saw the effects of the confusion and misinformation in the senior market. I really feel that with the proper,correct information, presented in an understandable way that our Seniors can position themselves for the future and achieve the peace of mind and security that they deserve at this exciting stage of life. We strive one client at a time to make sure that we address the individual and that they are better for having met us, regardless of whether they choose us as their broker.” Call or visit http://www.medicarequote4u.com/.
Source: blogspot.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

The Best of Florida Medicare

The Best of Florida Medicare   Florida Medicare Component B is an elective insurance offering and is essentially for other necessary medical expenses such as home healthcare, wellness and outpatient benefits. Coinsurance for this part is placed at twenty percent. Premiums range from smallest $96 to highest amount of $110 but an increment of $46 to $253 monthly may be paid in case annual income exceeds $85,000. Also, a deductible of $162 is required yearly before Medicare pays 80% of the total amount.   The third level or Component C is a health chart known as “Florida Medicare Advantage”, which combines the first two parts and can contain the component D benefits. Deductibles and copayments are also present in this type of health plans. An advantage afforded by this part is its lower price or premium than a supplement plan under Medicare. Accordingly, a lot of Florida’s policies pertaining to component C charge no premiums.   Drug benefits fall under component D. These may be availed of under a stand-alone policy that a private insurance company in Florida offers. Component C Medicare Advantage plan however, can offer similar drug-related provision upon enrolment. Choosing between these options will be a personal consideration for any interested applicant, either cost-wise or by virtue of practicality.   A number of insurance product carriers offer part C drug policies in Florida. Medicare supplement options are likewise available from these carriers. Included in the roster of viable carriers in Florida are the AARP UnitedHealthCare, Humana, Blue Cross Blue Shield of Florida, Gerber and Mutual of Omaha. There are other existing carriers but the mentioned names have the biggest networks in Florida.   The ideal choice among present networks is a concern that will only be determined by research and personal impression. Also, especially for those with critical minds, it is always a good thing to ask questions. Providers are in the best positions to answer queries so that a proper and informed decision can be made. Comparisons between providers ought to be made, further ensuring that coverage needs and costs parallel those of the original Medicare policy.
Source: topdatum.com

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August 18, 2013

Choose Medicare carefully

Posted by:  :  Category: Medicare

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Part C is the Medicare Advantage Plan and includes all benefits and services covered under Part A and Part B. The plans often have more benefits than traditional Medicare, including dental and vision coverage, and usually include prescription drug coverage. These plans are provided through private insurance companies that have a contract with Medicare.
Source: triblive.com

Video: Pete Mitchell’s When To Sign Up For Medicare by Pete Mitchell

Not Doing PQRS? Quick Action Will Avoid a Penalty

Step 3: Choose as your reporting mechanism the administrative claims-based reporting option. Under this temporary reporting mechanism, CMS will automatically analyze all your Medicare claims to find out if you performed a designated set of clinical quality actions (see Tables 123 and 124) over the reporting year. A zero performance rate in any of these actions will not count against you. By signing up for this reporting option so that Medicare can analyze your data, you will not be penalized in 2015 for not participating in PQRS in 2013.
Source: texmed.org

Medicare Enrollment Frequently Asked Questions (FAQ)

You may register for Medicare Part A and Part B during what’s known as the Initial Enrollment Period (IEP), which varies by individual. Your IEP begins three months before your 65th birthday, and lasts through your birthday month and the three months that follow it. You can apply online at SocialSecurity.gov or by visiting your local Social Security office. If you wish to register over the phone, you may call the Social Security office at 1-800-772-1213. If you worked for a railroad, then you can register over the phone by calling the Railroad Retirement Board at 1-877-772-5772.
Source: planprescriber.com

Already on Medicare? Don’t worry about the new health insurance exchanges

Those of you on Medicare may also decide to purchase a supplemental insurance policy, referred to as a Medigap policy. It is sold by private insurance companies to fill in the gaps in Original Medicare coverage. It pays some of the health care costs that Original Medicare does not cover. If you are on Medicare and have a Medigap policy, then Medicare and your Medigap policy will pay both their shares of covered health care costs.
Source: everydayfinancialplanner.com

Medicare Open Enrollment 2013 – What you need to know

The short answer is, “it’s up to you”.  Medicare Advantage is similar to an HMO or PPO insurance plan.  Original Medicare (Part A and Part B) doesn’t cover everything.  One way to fill the gap in coverage is to sign up for a Medicare Advantage plan, which includes Parts A and B, but also includes additional coverage, and is administered by a private insurance company.  The other way to fill the gap in coverage is to sign up for a Medicare Supplemental Insurance Plan, also known as Medigap.  We’ll provide more details on Medigap in an upcoming post.  Medicare Advantage plans do differ, so make sure you compare the benefits.
Source: betteboomer.com

The Medicare Coach: When Should I sign up for Medicare

If you are drawing social security prior to age 65, you will automatically receive your Medicare Part A and B card in the mail about 3 months prior to your 65th birth month.  If you are still working and want to stay on your employer’s group health plan, you will need to go to the nearest Social Security office and disenroll in Part B.  Part B is optional. You keep Part A and in most cases it becomes your secondary hospital insurance.
Source: themedicarecoach.com

Should you enroll in Medicare Part D?

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Source: tacticalminc.com

Medicare Supplements (Medigap) For Dummies

[…] AARP AARP Connecticut AARP Medicare AARP Medicare Complete AARP Medicare Supplement AARP Medicare Supplements AARP Medigap AARP Medigap 2013 AARP Rates 2013 AARP Supplement AARP Supplement 2013 aetna Medicare Anthem Anthem High F plan Anthem Medicare Anthem Medigap Anthem Supplement Crowe and associates how to choose a Medicare Advantage plan How to choose a Medicare plan how to choose a plan How to choose a supplement how to enroll in a medicare plan MAPD Med Advantage Medicare Medicare A Medicare A and B Medicare Advantage Medicare Advantage plans medicare b Medicare Complete Medicare part B Medicare part B cost Medicare plan Medicare Supplement Medicare Supplement Connecticut Medigap Medigap connecticut Medigap rates 2013 Medigap rates NY 2013 Original Medicare sign up for medicare United medicare complete United Medicare complete 2013Source: croweandassociates.com […]
Source: croweandassociates.com

Coverage Gap Gets Smaller for Medicare Patients

If you select “Keep me signed in on this computer”, every time you visit WebMD.com you won’t have to type your email address and password. This means that a cookie will stay on your computer even when you exit or close your browser which may reduce your levels of privacy and security. You should never select this option if you’re using a publicly accessible computer, or if you’re sharing a computer with others. Even if you select this option there are some features of our site that still require you to log in for privacy reasons.
Source: webmd.com

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August 18, 2013

What’s Windsor Medicare Extra?

Posted by:  :  Category: Medicare

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Source: brooksbarbeenc.com

Video: Windsor Medicare Extra – about to turn 65.mp4

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

[WATCH]: Windsor Medicare Extra

Windsor Medicare explains to WMCTV of Memphis this is the only time most Medicare beneficiaries can enroll in a Medicare Advantage plan for 2012. More than 120 new over-the-counter products have been added, and there is an enhanced fitness
Source: wordpress.com

Windsor Medicare Extra Hosts Behavioral …

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Source: neurophysiologyblog.com

Windsor Health PlanSM Announces Partnership with Healthways SilverSneakers® Fitness Program

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

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August 18, 2013

Insurance Medicare Supplement Plan Bully

Posted by:  :  Category: Medicare

Yet so, you can take a Medigap be after or Any Doc MA. In most countries, health policy can encounter you. As a taking spokesperson of respective major medicare auxiliary suppliers, Puritan is a one-stop shop class. In being dependable to our hope to furnish you with a quotation mark from each of the very low entry cost. The welfares of your sapience can be felted up on a multigenerational tied. It is medicare supplement a rattling significant degree if the companionship has constituted known by Insurance Regulatory Commission. We need to pay. We offer a number of top rated Insurance bearers with the lowest ranges for Medigap Insurance and Medicare Supplement projects. A far punter choice for obtaining medicare supplement Quotes is to refer an indemnity broker.
Source: endermologieroma.com

Video: Medicare Supplement Quotes

Aflac Medicare Supplement Plan Now Available!

One of the most recognizable brand in the country and highest rated insurance companies is now offering Medicare Supplement Plans.  AFLAC brings stability and an outstanding reputation to the medicare marketplace.  We will now be offer AFLAC medicare supplement for sales online. They have some of the most competitive rates in the states.
Source: burialexpensequotes.com

Wealth Medicare Supplement Find The

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Source: sumobattle.com

Tips To Generate The Best Medicare Supplement Insurance Quotes

Study all the plans in detail and create a shortlist of those products that form a closest match to your profile. Now make an effort to learn more about these products. Visit the individual site of the companies that sells these particular plans, where you can acquire further information. Also make it a point to generate quotes again from these sites, which could probably be more accurate figure than the earlier attempt. By now you would have a better idea on what to look forward from your Medicare supplement plan and this would help you to further cut down on your list of choices.
Source: debenhaminsurance.net

Quotes for Medicare Supplement Insurance Plans in Texas Online Today

The rates can vary immensely between the different companies and carriers of supplemental plans. These rates are most often determined by gender, age, location and general health of those applying. For this reason, finding an all-encompassing blanket or set rate for Texas Medicare supplemental insurance is quite impossible. San Antonia supplemental insurance may have far differing rates than Houston options. The best way to get an accurate idea of what your total cost will be is to get yourself an accurate supplemental insurance quote from the experts at Texas Medicare Supplemental Quotes. Not only can these quotes be customized to fit all of your personal budgeting needs, but they can also ensure that you will never again have to pay more out of pocket than your monthly premiums cost you.
Source: submissionsvalley.com

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