Daviess County Kentucky Medicare Supplement Quotes

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Source: srhealthcaredirect.com

Video: Medicare Supplement Quotes

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

Bloomfield's News on Money

First of all, it’s important to understand that any Medigap policy which would fall under the Medicare supplement quotes is going to be regulated and standardized by the government. The federal and state laws which are in place are put there to protect you in a variety of different ways. For example, any policy that works along with Medicare must be identified as such and will carry the term “Medicare supplement insurance” along with it. In most states in the United States, the Medigap policies that are available are going to offer the same basic benefits, although there may be additional benefits that are offered under some policies. Those are the things that should be considered when looking for Medicare supplement quotes.
Source: bloomfieldnm.info

Medicare Supplement Insurance coverage

When you employ a internet site to get Medicare Supplement Insurance, all you have to do is complete a kind that asks fundamental details such as your gender Prograde supplement reviews and age.  You will see various insurance coverage policies from varying providers and you will be capable to critique the costs and policy figures from each and every provider.  In the end you can pick the insurance coverage policies that supply what you want and that are financially sound.
Source: lapappalpomodoro.com

Elizabeth City District, United Methodist Church: ecdistrict.nccumc@blogger.com

Welcome to the blog (short for “Web Log”) for the Elizabeth City District of the United Methodist Church. This blog is an attempt to make our web presence more useful and interactive. We welcome lay and clergy members of the Elizabeth City District to contribute and comment on the contents here. As needs arise, we will be posting important and useful files that you can download to your computer. Please check back here regularly.
Source: blogspot.com

Compare Quotes on Medicare Supplement Insurance

Each plan, A through L, has a different set of benefits. Each insurance company decides for itself which of the A through L policies it wants to sell. An insurance company must, however, sell plan A if it sells any other Medicare supplement insurance plan. The benefits in plans A through L vary, but they are the same for any insurance company. That is, plan A has a different set of benefits from plan B, but plan A has the same benefits no matter who sells it. However, different insurance companies can charge different premiums. So, while plan A has the same benefits no matter who sells it, different insurance companies can charge different premiums for a plan A policy.
Source: whitening-capsules.com

Why Do I Need Medicare Supplements?

If you’re one of 48 million Medicare beneficiaries, you probably know that Medicare won’t cover many of your annual health expenses. You may wish to purchase insurance that covers these health expenses. This is where Medicare Supplements come in.
Source: jbergassociates.com

Medicare Supplement Quotes

Illinois Medicare enrollees are often surprised when they get a bill from their hospital or other health care providers after a hospital stay. Medicare only provides partial coverage, though. The Illinois Medicare enrollee may still have to pay significant deductibles. Specifically, Medicare Part A still leaves you with a $1,132 bill for a hospital stay of between 1 and 60 days. After that, you will have to pay $283 per day to the hospital for days 61-90, and $566 per day for days 91 through 150.
Source: abchealthplans.com

AARP Medicare Supplement Quotes

If you are  not in open enrollment or guaranteed issue, then medical underwriting will take place and you can be turned down for coverage.  If you have End Stage Renal Disease (ESRD), require dialysis, were admitted to a hospital within the last 90 days, or been recommend or discussed an inpatient hospital admittance with a medical professional, then you are ineligible for coverage.
Source: ohioinsureplan.com

Selling Marketplace Plans To Medicare Beneficiaries Will Be Illegal

Posted by:  :  Category: Medicare

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With so much publicity surrounding the opening next month of the new Internet-based marketplaces, seniors could easily think the health law’s marketplaces, also called exchanges, offer options for them too. Federal officials have been eager to steer them away, in messages on both the exchange and Medicare sites and in a special notice that will appear in the 2014 Medicare & You handbook mailed this month to 52 million beneficiaries.
Source: kaiserhealthnews.org

Video: How to Understand Medicare Plans

Medicare Plan Finder for Health, Prescription Drug and Medigap plans

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

Employer Action Required! Distribute Medicare Part D Notices by October 15th

Actuarial Value Benefits Benefits Compliance Commercial Insurance Cost-Sharing (Reductions) Employer Mandate Essential Health Benefits Exchanges Exchanges / Marketplaces / Subsidies Grandfathered Plans HCR Overview HCR Timelines Health Care Reform Health Insurance Marketplaces HIPAA Individual Mandate Insurance Market Reforms Large Employers Laws, Regulations & FAQs Marketplaces Medicaid Expansion Medical Loss Ratio & Rebates Minimum Value Newsletters Nondiscrimination Rules Notices & Disclosures (Sample forms) PCORI Fee Penalties Personal Insurance Premium Tax Credit & Advance PTC Press Releases Preventive Services Publications Reporting & Disclosure Reporting Requirements Resources Small Employers State-Specific Information Subsidies Summary of Benefits and Coverage Taxes, Fees & Penalties Timeline Transitional Reinsurance Fee Webinars Wellness Programs
Source: leavitt.com

Shazam! Burgess has a smart — and bipartisan — plan for paying Medicare doctors

After a five-year transition period, doctors would be reimbursed based upon their ability to meet certain quality measures. When he came by to visit with our editorial board over the August recess, Burgess said that American medical societies will help determine the metrics. The Health and Human Services secretary would finalize the measures each year.
Source: dallasnews.com

The Affordable Care Act and Medicare Part VI: Shifting Costs

Medicare recipients typically pay a deductible of a few hundred dollars and then 25 percent of the cost of the drugs they need up to a certain point (typically around $2,800 in a person’s drug spending). At that point the recipients have to pay 100 percent of the cost of their drugs up until they reach $6,400 in drug spending. Beyond that amount, insurance coverage kicks in again to close the hole with the recipient paying only 5 percent of drug costs above $6,400.
Source: lubbockonline.com

Left Attacks Ryan's Medicare Plan With Falsehoods

“One of President Obama’s regular attacks on Paul Ryan’s Medicare reform is that it would force seniors to pay $6,400 a year more for health care. … The claim is based on a now out-of-date Congressional Budget Office estimate of the gap between the cost of health care a decade from now, in 2022, and the size of the House budget’s premium-support subsidy for a typical 65-year-old in 2022. In other words, the $6,400 has no relevance for any senior today. None. But it also is unlikely to have any relevance for any senior ever because CBO concedes that its number is highly uncertain and ‘will depend on the evolution of the health care and health insurance systems over time, which is hard to predict.’ That’s for sure. The more fundamental problem is that the CBO analysis has nothing to do with the current Mitt Romney-Paul Ryan plan. Nada. Over the last year Mr. Ryan has made major adjustments to his original proposal as he sought a compromise with Democrats. … So how would Ryan 2.0 work in practice? Traditional Medicare and all private insurers in a region would make bids to cover seniors and compete for their business by offering the best value and prices. Then the government would give everyone a subsidy equal to the second-lowest bid. If seniors chose that No. 2 option, whether it was Medicare or another plan, they’d break even and pay nothing extra out of pocket. If they picked the cheapest plan, they’d keep whatever was left over after the government subsidy – that is, they’d get a cash refund. If they instead picked the third-cheapest option, the fourth-cheapest, etc., they’d pay the difference above the government subsidy. That structure ensures that seniors would have at least two choices (and likely far more) that they are guaranteed to do better than they do now. The amount of the premium-support subsidy would also be tied to underlying health-care costs, so it would not shift costs to beneficiaries, as Democrats also falsely claim. The very reasonable Romney-Ryan policy bet is that costs could nonetheless fall over time because seniors would have the incentive to switch to the most competitively priced Medicare plan. … None of these facts are likely to deter Democrats from their distorted claims. But the truth is that the Ryan-Romney reform isn’t anywhere close to Mr. Obama’s cartoon version.” –The Wall Street Journal
Source: patriotpost.us

Information About Supplemental Health Insurance Coverage

Posted by:  :  Category: Medicare

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There are times when the fundamental cover is delivered through a compensation system. This option favors both the employer and the employees side. The employee does not have to find his or her own policy and the employer offers this kind of benefit to find workers who are hardworking and skilled. In such an instance the cover is usually simple but it could have additional benefits if the work is extremely well paying. You can however get a plan which is supplemental at an extra price.
Source: healthinsurancequotesgo.com

Video: What is Supplemental Health Insurance?

Is Supplemental Insurance Right for You?

Example 1: William was recently involved in a serious car accident. He sustained significant injuries that required an extended hospital stay. At the time of the accident, William was working part-time at a local restaurant where he was not eligible for any benefits, such as paid disability leave. The major medical insurance plan he purchased on his own helped with his hospital bill, but he was still on the hook for his deductible while also trying to pay monthly expenses such as his rent and utilities bills.
Source: healthedeals.com

Medicare and Health Insurance, What is Covered, Medicare Supplement

Medicare Part D pays for prescription drugs. This plan covers both generic and brand name prescription drugs. The initial enrollment period to join a Medicare drug plan is three months before your 65th birthday to three months after you turn age 65. Each year during the open enrollment period, you have the option to change your drug plan to fit your specific needs. Perhaps when you turned 65 you did not have need for extensive coverage, but as you get older and your needs change, this coverage can be increased as necessary.
Source: bradeninsurance.com

Do I need supplemental health insurance with Medicare?

Under Medicare Part A and Part B there are deductibles, co-insurance and cost sharing that are the Medicare beneficiary’s responsibilities. The thing that is different about an insured’s responsibility under Medicare coverage is the fact that there is no limit to the amount that one is obligated to pay, unlike most other types of health insurance which have some form of a limit.
Source: reed-insurance.net

Understanding Medicare Supplemental Insurance

Medicare supplemental insurance is sold by private companies like AARP and Mutual of Omaha. There are 11 standard plans that vary in price. Each plan fills different “gaps” in Medicare coverage and offers different benefits. Customers can choose only one of these plans. Medigap plan F is the one most often chosen because it fills nearly all of the coverage gaps. If your spouse wants Medigap insurance, he or she will need to purchase a separate policy. Depending on what plan you choose, Medicare supplemental insurance may cover the cost of:
Source: terrencemalick.org

Key Things to Know About Buying Medicare Supplemental Insurance

Additional benefits vary according to the plan selected. These benefits include a set amount of coverage for skilled nursing facility charges up to 100 days, and coverage of certain Medicare Part A deductible charges. Since 2006, Medicare Supplemental Insurance plans do not include prescription drug coverage as part of their benefits, and individuals requiring such coverage should investigate joining a Medicare Part D Prescription Drug Plan. Individuals should also be aware that Medigap plans generally do not cover such costs as private-duty nurses, dental or eye care, eyeglasses, hearing aids or long-term nursing care costs. Consider switching over to a Medigap Advantage Plan if prescription drug coverage is required.
Source: weatheringthefinancialstorm.org

Supplemental Insurance coverage

Hospital Indemnity Insurance Hospital Indemnity Insurance (also known as Hospital Confinement Insurance coverage) offers a cash benefit if you are “confined” to a hospital due to an illness or significant injury. The money benefit – doled out in a single lump sum or as every day Automobile Coverage Rates or weekly payments – could not commence till right after a minimum waiting period. Comparable to other sorts of supplemental insurance, the additional coverage is meant to support you pay for services and required products not covered by your normal wellness plan.
Source: ohio-academy-of-audiology.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

Online websiteelizabetherobinson Reviews: Supplemental Health Insurance Providers Examined

Supplemental health coverage could be a very important a part of your insurance choice however, prior to you making just one purchase, you need to make certain that you simply check reviews to find out which insurance companies is worth considering. From the companies examined, you will notice that you will find lots of different opinions, and it’s important that you simply discount the ‘junk’ reviews that derive from emotional reactions instead of details. Have a look in the well examined insurance companies the following, and do a comparison prior to committing.
Source: blogspot.com

How to Get Affordable Senior Medicare Supplemental Health Insurance

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

Medicare Drug Plan Polls Suggest Bright Future for Obamacare

Posted by:  :  Category: Medicare

Looking back on it, the public’s turnaround from initial rejection to growing support for Part D was understandable. The unfunded $400 billion program that President Bush signed into law in December 2003 was needlessly complex for seniors and unnecessarily expensive for taxpayers. Rather than having the government negotiate prices directly with pharmaceutical firms and add drug coverage into the traditional Medicare program, President Bush and his Republican allies in Congress instead gave recipients subsidies to purchase plans from private insurers. Making matters worse, millions of “dual eligible” already receiving drug coverage from Medicaid had to switch to the new scheme, a process that left millions unable to pay for their prescriptions for weeks in early 2006.
Source: crooksandliars.com

Video: Medicare Advantage – 5 Things To Know About Advantage Plans Before You Enroll

Medicare Cuts, Obamacare Prompt Hospital Layoffs

“The sheer magnitude of the Medicare and Medicaid cuts impel us to look at all of our services and costs, including the largest component of our budget—personnel,” Cummings said, citing a 20 percent cut in Medicaid proposed by Democratic Gov. Dannel Malloy and approved by the state legislature resulting in a $550 million hit to Connecticut hospitals. Sequestration also resulted in an additional $1 million loss for L + M this year.
Source: freebeacon.com

Chart of the Day: Public Ignorance About Medicare is Really, Really High

It also turns out that when you ask people why Medicare costs are rising, they rate fraud and poor management at the top and new technology at the bottom. The truth, again, is just the opposite. Medicare has some fraud problems, but they’re fairly modest. It’s basically a pretty well managed program. New drugs and new treatments, however, are responsible for nearly half of the increase in Medicare costs over the past few decades. It’s the #1 cost driver by a ton. Adrianna McIntyre has the details here.
Source: motherjones.com

Avoid Medicare Late Enrollment Penalties

A way to avoid paying Medicare Part D penalties is to sign up for a Part D drug plan as soon as you’re eligible. You can also delay enrolling in Medicare Part D without penalty by making sure you have other prescription drug coverage that is as good as Medicare Part D(known as creditable coverage). If you go 63 or more consecutive days without creditable drug coverage and choose to enroll in a Part D plan in the future, you may have to pay a late enrollment penalty. This penalty is calculated based on how many months you were eligible but failed to enroll in a Part D plan. This amount is then added to your monthly premium.
Source: ehealthmedicare.com

Whistleblowing Docs Allege Vast VUMC Medicare Deception

Under the False Claims Act, the federal government can intervene and prosecute these types of cases after they are filed by whistleblowers. While they decide, the case remains sealed (this suit was filed in early 2011). In this instance, the Department of Justice requested five extensions to the deadline to decide whether to intervene. A judge denied the fifth motion, unsealing the complaint, though the feds say they will continue their investigation and reserve the right to intervene later.
Source: nashvillescene.com

No change in Medicare benefits under health law

Jodi Reid, executive director of the California Alliance for Retired Americans, worries there hasn’t been enough outreach to seniors and that advocacy groups are spending the bulk of their advertising funds targeting those impacted by the exchange. Her organization, which represents nearly 1 million seniors in California, is putting together a one-page fact sheet to help dispel myths.
Source: spokesman.com

OIG: Medicare Could Have Collected $3.1B From Drug Rebates

State and federal governments already save on prescription drugs through the Medicaid Drug Rebate Program, which allowed government entities to recoup $13 billion of the $28 billion the program spent on prescription drugs in 2011. Medicare Part B spent $16.4 billion on prescription drugs that year, according to the report. Although Medicare Part D covers most prescription drugs, Part B generally covers drugs furnished incident to physician services, such as injectable drugs used to treat cancer. Part B also covers drugs used in conjunction with durable medical equipment and medications explicitly covered by statute, such as certain vaccines.
Source: beckershospitalreview.com

National Medicare Education Week event coming to North Shelby Library

The presentation by UnitedHealthcare will happen at 9:30 a.m. on Sept. 19 at the library located at 5521 Cahaba Valley Road. It will provide information to participants so they can learn more about changes to Medicare and understand the various coverage plans.
Source: al.com

CONVERSABLE ECONOMIST: Geographic Practice and Cost Variations in Medicare

A close look at the underlying spending patterns reveals that 73% of this variation across the geographic areas is due to a single category of spending: specifically, spending for “post-acute care”–that is, the follow-up care after hospitalization–and most of the rest of the variation is due to variation in acute (inpatient) care. These findings for Medicare are representative of a large literature showing that patterns of U.S. health care for all age groups vary considerably across cities and states. For example, the decision between heart surgery and treatment with blood pressure medications, or the proportion of mothers who have a C-section, or the choices about all kinds of minor surgery vary considerably across locations. There is often with no evidence that the area making the more expensive choice has better health outcomes, which suggests that if health providers in some areas could learn from those in other areas–or if health care reimbursement plans can be jiggered to reward certain choices and discourage others–overall health care costs could be reduced with little or no adverse effect on health. But not much is known along these lines so far. As the Institute of Medicine report notes, “By creating the Center for Medicare and Medicaid Innovation, the ACA [Affordable Care Act] generated a thousand pilot demonstrations of new payment models. It is too early to know which of these models will prove to control health care costs and improve quality.” Also, the author suggest: “Additionally, Congress should give CMS [Centers for Medicare and Medicaid Services] the flexibility to experiment with the mix of payment mechanisms, rates, and performance metrics that will align provider incentives with high-value care.” Given that rising health care costs and the geographic variations in health care use have both been well-known for several decades, the fact that experimentation with different payment methods “to align provider incentive with high-value care” is really just getting underway seems to me rather disheartening.
Source: blogspot.com

Medicare penalties to cost some Fayetteville, region hospitals

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Source: fayobserver.com

Medicare Part D 2010 Data Spotlight: Prices for Brand

Posted by:  :  Category: Medicare

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

Video: Celebrating 45 Years of Medicare (07/30/2010 Webchat)

Medicare Home Health Compare

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Source: medicare.gov

Government Shutdown: What Really Happens

Government Doesn’t Really Shut Down. As lawmakers contemplate passing the continuing resolution and raising the debt ceiling, and fret about a government shutdown, The Associated Press says it is worth remembering, “Social Security checks will still go out. Troops will remain at their posts. Doctors and hospitals will get their Medicare and Medicaid reimbursements. In fact, virtually every essential government agency, like the FBI, the Border Patrol and the Coast Guard, will remain open. … Transportation Security Administration officers would continue to man airport checkpoints.” All of these things are true, of course, but the annual spending-related brinkmanship does have an enormous impact on general economic confidence. Regardless of whether or not the government technically shuts down, for the health of the economy, Congress must get away from a process that leaves spending decisions to the last minute.
Source: bankruptingamerica.org

Medicare Plan Finder for Health, Prescription Drug and Medigap plans

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

Home Deport sends 20,000 employees to Obamacare

Republicans are also trying to craft their own free-market replacement for the government-run Obamacare network. The draft bill developed by the Republican Study Committee would provide large tax breaks to help all Americans buy health-care insurance in a nationwide market, and also provide a fund to aid people with pre-existing conditions.
Source: dailycaller.com

Higher copays seen for Medicare brand

Posted by:  :  Category: Medicare

[…] […] AARP Al Norman Angela Rocheleau attorney baby boomers Block Boston budget Cammuso caregiving Congress decorating Dementia Dodge Park Rest Home elderly Estate Preservation Law Offices exercise eye care Finance Goslow Goslow Health Health Care Reform home Home Care Home Improvement Home Staff LLC Just My Opinion law Legal Mario Hearing Mass Home Care Medicaid Medicare Obama retirement Saint Vincent Hospital Shalev Shapiro Social Security Sondra Shapiro study Tracey Ingle Travel VeteransSource: fiftyplusadvocate.com […]Source: fiftyplusadvocate.com […]
Source: fiftyplusadvocate.com

Video: studio10: viva medicare cafe

VIVA Health, Inc. Selects Dynamic Healthcare Systems Suite

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

70 Iowa hospitals face financial difficulties if Medicare payments reduced

The Critical Access Program provides extra money to more than 1300 small-town hospitals in the United States. Through an open records request to the federal government, The Des Moines Register got a list of the 70 hospitals that would face deep cuts. According to The Register, the hospitals are in the following towns: Albia, Algona, Anamosa, Atlantic, Audubon, Belmond, Bloomfield, Boone, Britt, Chariton, Charles City, Cherokee, Clarinda, Clarion, Corning, Cresco, Creston, Denison, De Witt, Dyersville, Elkader, Emmetsburg, Estherville, Fairfield, Grundy Center, Guttenberg, Hamburg, Hampton, Harlan, Hawarden, Humboldt, Ida Grove, Independence, Iowa Falls, Jefferson, Knoxville, Lake City, Le Mars, Leon, Manchester, Maquoketa, Marengo, Missouri Valley, Mount Ayr, Mount Pleasant, New Hampton, Manning, Nevada, Onawa, Orange City, Osage, Osceola, Oskaloosa, Pella, Perry, Primghar, Red Oak, Rock Rapids, Rock Valley, Sac City, Sheldon, Shenandoah, Sibley, Sioux Center, Storm Lake, Sumner, Washington, Waverly, Webster City and West Union.
Source: radioiowa.com

Choosing Traditional Medicare vs. Medicare Advantage

If you need to add prescription drug coverage to traditional Medicare, you also will be faced with dozens of different plans. You can compare these in the same way you compare Medicare Advantage plans. If you don’t currently take any drugs, you may want to choose the plan with the lowest premium to get coverage at the least cost. Otherwise, it’s best to choose a plan according to the specific drugs you take, because plans charge widely varying copays even for the same drug. The plan finder on Medicare’s website automatically does the math to find your best deal. You can enroll through Medicare or directly with the plan.
Source: aarp.org

Medicare Advantage Fact Sheet

Since 2006, Medicare has paid plans under a bidding process.  Plans submit “bids” based on estimated costs per enrollee for services covered under Medicare Parts A and B; all bids that meet the necessary requirements are accepted.  The bids are compared to benchmark amounts that are set by a formula established in statute and vary by county (or region in the case of regional PPOs).  The benchmarks are the maximum amount Medicare will pay a plan in a given area. If a plan’s bid is higher than the benchmark, enrollees pay the difference between the benchmark and the bid in the form of a monthly premium, in addition to the Medicare Part B premium.  If the bid is lower than the benchmark, the plan and Medicare split the difference between the bid and the benchmark; the plan’s share is known as a “rebate,” which must be used to provide supplemental benefits to enrollees.  Medicare payments to plans are then adjusted based on enrollees’ risk profiles.
Source: kff.org

In States That Don’t Expand Medicaid, Some Of The Uninsured May Still Get Help

Posted by:  :  Category: Medicare

But if an individual projects their income up to 10 percent higher than shown in electronically available data such as a prior tax return, there will be no questions asked. If there is more than a 10 percent discrepancy, the exchanges will ask for more information, such as a pay stub. If an applicant is unable to provide such data, the regulations allow the exchanges in 2014 to rely on the individual’s “self-attestation” to determine the subsidy. This applies only when someone overestimates their income, according to a spokeswoman for Health and Human Services.
Source: kaiserhealthnews.org

Video: How to Apply For Medicaid in Florida Online

Implementing Health Reform: Final Rule On Premium Tax Credit, Medicaid, And CHIP Eligibility Determinations (Part 1)

If the exchange assesses an individual to be ineligible for premium tax credits because the individual is eligible for Medicaid or CHIP and the applicant appeals the premium tax credit eligibility determination, the applicant is considered to have withdrawn his or her Medicaid or CHIP application pending the premium tax credit appeal (since he or she would be ineligible for premium tax credits if eligible for Medicaid or CHIP).  If the individual loses the appeal, the Medicaid or CHIP application is reinstated retroactively to determine the effective date for eligibility.  If the exchange assesses an individual as not eligible for Medicaid or CHIP, it must notify the individual of the opportunity to request a full determination by the state, but treat the individual as ineligible for Medicaid or CHIP for purposes of determining eligibility for premium tax credits until the state determines otherwise.  The exchange must adhere to a state appeal decision on Medicaid or CHIP eligibility.
Source: healthaffairs.org

Hospitals Can Help Cover More Kids with Presumptive Eligibility

Where do states stand on implementing PE for hospitals as required by the ACA? As I’ve been reaching out to states and advocates to find out where the states stand on implementing PE for hospitals, I’ve encountered a mixed bag of responses. A few states say their hospitals aren’t interested in doing PE because the state’s real-time eligibility systems will be good to go on October 1 and they don’t need PE to get people enrolled quickly. Some states mistakenly believe this provision of the ACA is optional. But many states are moving forward, although some of them got a late start given that the final regulations on PE were not released until July 5, 2013.
Source: georgetown.edu

How Poor Might Qualify For Obamacare Subsidies In States That Don’t Expand Medicaid

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

Medicaid Expansion, As Proposed In Obamacare, Shows Potential To Improve Health And Decrease Costs When Tested In Wisconsin

“What’s special about this is that studies of expanding insurance coverage typically find increases in usage across the board,” Dague explains. “Typically you would think about two effects: a price effect, through which access to insurance lowers the out-of-pocket price of care, leading people to get more care, and a preventive effect, in which getting folks consistent access to care, they can perhaps manage chronic illness better resulting in better health (and hence needing less intensive health care). The price effect almost always dominates. But we show that in certain populations − very low-income, high incidence of chronic illness, adults without dependent children − it’s possible for the preventive effect to dominate.”
Source: tamu.edu

Texas Medicaid Provider Enrollment Application version XXVI is here!

This application must be completed in its entirety as outlined in the instructions below and will be reviewed by the Texas Health and Human Services Commission (HHSC) and the claims contractor Texas Medicaid & Healthcare Partnership (TMHP).
Source: gehs.net

OIG: Medicare Could Have Collected $3.1B From Drug Rebates

Posted by:  :  Category: Medicare

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State and federal governments already save on prescription drugs through the Medicaid Drug Rebate Program, which allowed government entities to recoup $13 billion of the $28 billion the program spent on prescription drugs in 2011. Medicare Part B spent $16.4 billion on prescription drugs that year, according to the report. Although Medicare Part D covers most prescription drugs, Part B generally covers drugs furnished incident to physician services, such as injectable drugs used to treat cancer. Part B also covers drugs used in conjunction with durable medical equipment and medications explicitly covered by statute, such as certain vaccines.
Source: beckershospitalreview.com

Video: Parts A & B — Alphabet Soup

Trends in the Use and Cost of Chiropractic Spinal Manipulation Under Medicare Part B

RESULTS:   The number of Medicare beneficiaries who used chiropractic spinal manipulation grew 13% from 2002 to 2004, remained flat through 2007, and then declined 5% through 2008. An estimated 1.7 million beneficiaries (6.9%) used 18.6 million allowed chiropractic services in 2008. In inflation-adjusted dollars, allowed charges per user increased 4% through 2005 and then declined by 17% through 2008; payments per user increased by 5% from 2002 to 2005 and then declined by 18% through 2008. Expenditures for chiropractic in 2008 totaled an estimated $420 million. Longitudinal trends in allowed claims for spinal manipulation varied by procedure: the relative frequency of treatment of one to two spinal regions declined from 43% to 29% of services, treatment of three to four regions increased from 48% to 62% of services, and treatment of five regions remained flat at 9% of services.
Source: chiro.org

Rebates on Medicare Part B Drugs Deserve a Closer Look, OIG Says

September 12, 2013—The Department of Health and Human Services Office of Inspector General (OIG) has urged the Centers for Medicare and Medicaid Services (CMS) to consider calling for the enactment of a Medicare Part B drug rebate program.
Source: drugdiscountmonitor.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

Railroad Medicare is Part B Medicare for retirees

If a provider or supplier you want to work with participates in Medicare, but states “not Railroad Medicare,” Palmetto GBA recommends that they call Palmetto’s Provider Contact Center at (888) 355-9165. Palmetto’s staff is trained to discuss these matters with all Part B providers and suppliers. They also recommend providers or suppliers visit Palmetto’s website at www.PalmettoGBA.com/RR.
Source: utu.org

Avoid Medicare Late Enrollment Penalties

A way to avoid paying Medicare Part D penalties is to sign up for a Part D drug plan as soon as you’re eligible. You can also delay enrolling in Medicare Part D without penalty by making sure you have other prescription drug coverage that is as good as Medicare Part D(known as creditable coverage). If you go 63 or more consecutive days without creditable drug coverage and choose to enroll in a Part D plan in the future, you may have to pay a late enrollment penalty. This penalty is calculated based on how many months you were eligible but failed to enroll in a Part D plan. This amount is then added to your monthly premium.
Source: ehealthmedicare.com

Evaluate your Medicare Administrative Contractor – Palmetto GBA – J11 Part B

Diamond Level Platinum Level Gold Level Biz Technology Solutions, Inc. First Citizens Bank rmsource, Inc. Wells Fargo Insurance Services Silver Level Ball Dermpath McGladrey Medical Protective SunTrust Bank United HealthCare Group Bronze Level Allegacy Business Solutions – JBA Benefits & Cooperative Payroll Allscripts Apex Technology Assured Waste Solutions, LLC Bactes Imaging Solution Bernard Robinson & Company, LLP Call-A-Nurse Capario ChoiceHealth, Inc. Coverys, Inc. DataMax Corp / Interstate Credit Collections The Doctors Company Eastman Kodak Company Fifth Third Bank Ford & Harrison GMK Associates, Inc. Gordon Asset Management, LLC Greenway Medical Henry Schein Medical Humana Konica Minolta LabCorp Marketing Works McNeary, Inc. Medicus Insurance Company Medstaff National Medical Staffing mindShift Technologies, Inc. MSOC Health NCHA Strategic Partners NextGen Healthcare ONLINE Information Services Physician Discoveries Physicians’ Alliance of America Prince Parker & Associates Professional Recovery Consultants SCA Collections, Inc. Solstas Lab Partners SouthData Stanley Benefits Stern & Associates, P.A. Attorney at Law Total Merchant Services Transworld Systems, Inc. TriMed Technologies Corp TriZetto Provider Solution – Gateway EDI
Source: wordpress.com

Medicare Part B: Barriers to Cancer Treatment

The National Patient Advocate Foundation (PAF) has seen a notable rise in calls for assistance from both Medicare beneficiaries and cancer doctors regarding difficulty accessing certain cancer drugs in the physician office setting, where most patients receive their care. As a result, patients are being forced to seek cancer treatment in the hospital setting to access their life-saving cancer medicines; this displacement disrupts their continuum of care, is inconvenient, and is more costly to the Medicare program.
Source: biotech-now.org

Opinion: Cuts to Medicare Part B will hurt older Coloradans

Unfortunately, the cuts are already hitting community health clinics hard, especially in rural areas. A recent survey conducted by the American Society of Clinical Oncology found that nearly 50 percent of oncology practices are sending Medicare patients elsewhere for treatment, primarily to a more expensive hospital setting due to sequestration. Twenty-two percent reported that they either have closed or will have to close clinics if sequestration cuts continue.
Source: healthpolicysolutions.org

Health Subcommittee Examines Proposals for Reform and Improvement of the Medicare Part B Drug Program

Reimbursement rates under Medicare Part B have caused the shift of some patient populations, including those with cancer and other rare diseases, from physician offices to hospital outpatient centers. The reimbursement shift, as coupled with community cancer centers closing, has caused an increased cost to the Medicare system and patients. As Brooks added, “Medicare payments for chemotherapy administration services in hospital outpatient settings have more than tripled since 2005, while payments to community cancer clinics have actually decreased by 14.5 percent.”
Source: house.gov

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September 20, 2013

More Transparency Could Help Fight Fraud and Strengthen Medicare

Posted by:  :  Category: Medicare

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As we’ve written previously, a 1979 court injunction prevented the government from releasing data on payments to Medicare providers, under the theory that disclosing the amounts would violate the providers’ privacy. In May, though, the court lifted the injunction, allowing the government to consider anew whether it could release the data. In August, the Centers for Medicare & Medicaid Services (CMS), which administers Medicare, asked for public comment on whether, and how, it should release the data.
Source: foreffectivegov.org

Video: Get Free Help on Medicare Enrollment

Seniors: Medicare Wants YOU to Help it Fight Fraud

“I feel like I help every client I get,” says Badger, now in his seventh year in the program. While he knows that his victories are not even the tip of the iceberg, he has seen how many calls reported to Medicare can lead to bigger things. Last year, Badger reported a billing irregularity to Medicare involving a healthcare provider and a durable medical equipment supplier, and then watched from the sidelines as law enforcement brought down a multimillion-dollar kickback scheme. They needed multiple reports about the same provider to tie up the case.
Source: thefiscaltimes.com

Waiting for Medicare: ACA Will Help Fill the Gap

However, once she was back at work, it became clear she wasn’t bouncing back and in fact was getting worse.  Karen’s walking challenges were not the problem. MS imposes more than physical burdens on its sufferers – it also causes cognitive challenges, such as an inability to concentrate.  For Karen, MS’s pernicious effect on her ability to focus and multi-task made it increasingly difficult for her to do her job. Her doctor told her she should stop working permanently because of the severity of her symptoms.  But Karen was hoping to put off that day, and worked as long as she could before taking a second short-term disability leave.  It was during that time that she came to terms with the difficult reality of her condition. MS is a chronic, progressive disease, and she would never again be able to effectively perform in a job she had taken great pride in for 22 years.  While still out on short term disability, Karen applied for Social Security Disability Insurance (SSDI), a federal program that provides income support to individuals and their families if they have worked and paid Social Security taxes long enough to qualify for benefits.
Source: georgetown.edu

Petitions Help Bring the Voices of Americans into Social Security, Medicare Discussions

AARP is a nonprofit, nonpartisan organization, with a membership of more than 37 million, that helps people turn their goals and dreams into real possibilities, strengthens communities and fights for the issues that matter most to families such as healthcare, employment and income security, retirement planning, affordable utilities and protection from financial abuse. We advocate for individuals in the marketplace by selecting products and services of high quality and value to carry the AARP name as well as help our members obtain discounts on a wide range of products, travel, and services.  A trusted source for lifestyle tips, news and educational information, AARP produces AARP The Magazine, the world’s largest circulation magazine; AARP Bulletin; www.aarp.org; AARP TV & Radio; AARP Books; and AARP en Español, a Spanish-language website addressing the interests and needs of Hispanics. AARP does not endorse candidates for public office or make contributions to political campaigns or candidates.  The AARP Foundation is an affiliated charity that provides security, protection, and empowerment to older persons in need with support from thousands of volunteers, donors, and sponsors. AARP has staffed offices in all 50 states, the District of Columbia, Puerto Rico, and the U.S. Virgin Islands. Learn more at www.aarp.org.
Source: aarp.org

Medicare Supplements Help Fill Medicare Gaps

Medicare ill, like private insurance, determine how much of the charge meets the coverage guidelines and will then pay 80 percent of that reduced amount. The patient or the Medicare supplemental policy will pay the remaining 20 percent. As an example, a person goes to the doctor, and the charge is $150. Medicare decides it is only going to allow $100 of the charge. The patient is not responsible for the portion that Medicare does not approve. Therefore, Medicare pays 80 percent of the portion it approved, such as in this example, $80. The patient or his supplement insurance carrier will pay the remaining 20 percent or $20.
Source: sdecocenter.org

AMC Health helps Humana manage CHF in Medicare population

The pilot is for 450 individual patients who will be enrolled in the program for 9 months. The program and results published by Geisinger were for their 30-day Post-Discharge Transition of Care program using IVR (Interactive Voice Response) to supplement Geisinger existing Care Management model. Humana’s program is different in that it involves the transmission of real time weight and blood pressure measurements from patients in their homes which is then reviewed and acted upon by AMC Health nurses.
Source: mobihealthnews.com

Sign up now for Medicare Help!

Beginning October 22, The State Health Insurance Assistance Program (SHIP) and Brighton Center’s Senior Medicare Patrol are offering free Medicare Prescription Drug Plan comparison assistance for Medicare beneficiaries. Representatives from SHIP will also be screening individuals to see if they are eligible for extra-help to pay for Medicare expenses.
Source: seniorservicesnky.org

Walgreens Can Help With Medicare Part D Costs

According to the Centers for Medicare and Medicaid Services, more than 31.5 million people enrolled in Medicare Part D in 2012. Recent research conducted by Walgreens found that 37% of Medicare Part D beneficiaries surveyed have daily concerns about their prescription drug costs. And, 20% of survey respondents said they’ve had to make sacrifices, such as delaying filling a prescription or skipping doses, to help manage medication costs.
Source: caregiving.com

Pro Bono: How Providers Can Help Reduce the Impact of Medicare Payment Cuts

“Paint a Clear Picture.” Your PCR documentation must be accurate, complete and honest, and it should paint a clear picture of the patient’s condition. It should allow the reader to visualize the patient just as you saw the patient on the scene. Medicare’s standard for medical necessity for an ambulance comes down to this: Medicare will only pay for ambulance service when other means of transport are contraindicated. Your PCR documentation must address the issues that relate to this standard. Why does the patient need to go by ambulance now? When reading the documentation, is it clear why the patient cannot be safely transported by wheelchair van, car or taxi? In what position was the patient found, and how was the patient moved to the stretcher? What is the patient complaining of now, and what does the physical assessment reveal? What treatment was provided, and what was the response to this treatment? These are just a few of the questions that relate to “medical necessity” that your PCR documentation should address. Clearly, not all ambulance transports will meet the Medicare medical necessity rules, but your documentation must be complete, accurate and honest so that those who must decide whether the claim is billable will have all the objective information they need to make that decision.
Source: jems.com

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September 20, 2013

Proposed Medicare Cuts Worry Rural Texas Hospitals

Posted by:  :  Category: Medicare

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The measure would reevaluate payments to rural hospitals across the country, including 80 in Texas. If the recommendations of U.S. Health and Human Services officials are followed, 60 of Texas’ 80 critical access hospitals could lose that status and the funding that comes along with it.
Source: dmagazine.com

Video: Joe Biden explains the $700 billion in Medicare ‘cuts’

Nearly 90% of Seniors Oppose Medicare Cuts to Home Health

AAHomecare AARP Almost Family Almost Family Inc. Amedisys Amedisys Inc. American Association for Homecare American Association for Long Term Care Insurance Avalere Health Brookdale Senior Living Care.com CellTrak Technologies Inc. Center for Medicare & Medicaid Services Centers for Medicare & Medicaid Services CliftonLarsonAllen CMS Department of Health and Human Services Department of Justice Emeritus Senior Living featured Federal Bureau of Investigation Gentiva Health Services Inc. HHS Home Health Depot Home Health International Humana IntegraCare Intel-GE Care Innovations Jordan Health Services Kindred Healthcare Kindred Healthcare Inc. LHC Group NAHC National Association for Home Care & Hospice New York Times Paraprofessional Healthcare Institute Partnership for Quality Home Health Care Partnership for Quality Home Healthcare PHI Scripps Health The Partnership for Quality Home Healthcare VA Visiting Nurse Association Visiting Nurses Association Wall Street Journal
Source: homehealthcarenews.com

What do the fucking Democrats mean by "relatively small" cuts to Social Security and Medicare?

A blog (from “web blog”) is a discussion or informational site consisting of discrete entries (“posts”) typically displayed newest first. All Corrente posts are front-paged; there is no up-rate or down-rate process. Corrente posts are almost entirely community moderated. We encourage a clash of ideas, and do not encourage a clash of persons.
Source: correntewire.com

Fred Hiatt Just Makes It Up to Push Cuts to Medicare and Social Security | MyFDL

This is the Washington Post so perhaps we should not expect much in the way of accuracy, but even for the Post this is pretty far out. After all, in the real world Obama never said anything remotely like this in the 2008 campaign. Hiatt is just putting his senior-bashing agenda in the mouth of President Obama, hoping he can fool some readers. That is really pathetic.
Source: firedoglake.com

Medicare cuts could hurt Alabama dialysis patients

“It could be devastating for many of them” said Jennifer Carter, the Director of Operations for the Fresenius Medical Care Center in Montgomery. Fresenius is one of the largest dialysis providers in the world. “My concern right now is any kind of cuts we have to make could reduce dialysis services and force clinic closures when kidney disease is escalating right now.”
Source: wsfa.com

Proposed Medicare cuts will close life

The Centers for Medicare and Medicaid Services announced July 1 a draconian 9.4 percent Medicare cut on dialysis clinics. The cuts are so deep they would force dialysis providers to cut staff and hours and close clinics — a frightening concept, because dialysis is a lifesaving treatment.
Source: dallasnews.com

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