Information About Medicare Supplements

Posted by:  :  Category: Medicare

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Medicare supplement Plan F is the most popular and helps pay for the co-insurance costs of Medicare Part A and Part B. Plan F also covers 365 hospital days after Medicare is used to its maximum amount of coverage. Medicare Part B is also covered by Plan F. Plan F pays for up to three pints of blood whenever it is needed and it also covers any excess Part B costs. Plan F is especially desirable because it covers emergency services when a policyholder travels abroad.
Source: fishbowlamerica.com

Video: What is a Medicare Supplement

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

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

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 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

Medicare Supplement Quotes

Quotes on Medicare supplement insurance coverage are easy to obtain online. All you need to do is answer a few questions and an online quote generator can tell you how much that insurer will charge for coverage. Be sure to read all information about a policy before buying as not all Medigap policies are the same. If you have a Medicare Advantage plan, in most cases you’ll want to drop it before your new Medigap policy starts coverage.
Source: skepticwiki.org

Original Medicare vs. Medigap: Which is Right for You

Unlike Medicare Advantage and Medicare Part D, which have the same enrollment period called the Annual Enrollment Period (from October 15 to December 7 each year), Medicare Supplement Insurance has its own enrollment period. It spans six months and begins the month that you turn 65 and have Medicare Part B. This is the optimal time to join a plan because you do not have to submit to Medical Underwriting, which is when your medical history is reviewed and you can be charged more for insurance or even be declined coverage.
Source: ehealthmedicare.com

Medicare Supplement OR Medicare Advantage Plan, which is better?

Candid MedicareBob: I assist roughly 100 people per month with choosing which Medicare Coverage is the best for them, and 70% of the time, the choice is a Medicare Supplement Plan. This does not mean that I do not like Medicare Advantage Plans, to me it really comes down to the pricing that is available for the Medicare Supplement Plans in your area. If a Medicare Supplement Plan F, G, or Plan N is $100 or less per month, than a Medicare Supplement makes a lot of sense for most people. This being said, I do have clients that cannot afford a Medicare Supplement, this is when I assist them in choosing the right Medicare Advantage Plan for them. As I mentioned previously, both Medicare Supplement Insurance and Medicare Advantage Plans typically offer better insurance than you have had while you were working.
Source: srhealthcaredirect.com

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

AvMed Health Plans and Wax Custom Communications Partner in the Publication of ASPIRE

Posted by:  :  Category: Medicare

Aspire features information and updates about AvMed’s Medicare Advantage plan, along with practical information designed to help customers enhance their overall health and wellbeing. “The magazine was titled Aspire because we felt it was the perfect word to sum up our attitude towards health,” said Winston H. Lonsdale, Vice President and Chief Medicare Executive, AvMed Health Plans. “The word aspire means to have a great ambition, an ultimate goal, a strong desire, a willingness to strive. In this magazine, our goal is to inspire and support our customers as they optimize their health.” Created especially for Medicare members, Aspire includes profiles of healthy seniors and articles aimed at promoting longevity and healthy living. “Our goal is to encourage readers to use the many member benefits already offered to them,” said Lonsdale. Those benefits include a new affiliation with the SilverSneakers® Fitness Program, discounted Weight Watchers™ memberships and discounts on acupuncture, massage therapy and complementary medicines to improve their health. AvMed has also implemented new initiatives to provide additional services to their members, including the improvement of their Personal Service Representative (PSR) program. Wax, who partnered with AvMed to publish Aspire, has worked with AvMed for 20 years, starting with the publication of one title and evolving into a wide range of integrated marketing products. “AvMed has always been known for its personalized, caring approach to healthcare,” says Bill Wax, president and founder of Wax Custom Communications. “Aspire represents an outstanding opportunity for AvMed to convey information to help members take charge of their own health and wellness.” About Wax Custom Communications Founded in 1987 by Pulitzer Prize nominated photojournalist Bill Wax, Wax Custom Communications is a full-service custom publisher and integrated marketing firm based in Miami, Fla. A member of the Custom Publishing Council and the American Marketing Association, Wax is active in business sectors including health, finance, insurance, education, technology and telecommunications. About AvMed Health Plans AvMed is a Florida based not-for-profit HMO and one of the state’s leading HMO providers, serving more than 200,000 members in the state of Florida. Founded in 1969 as a health care system for pilots in the Miami area, AvMed (short for “aviation medicine”) now serves non-pilots as well, with offices throughout Florida. AvMed’s policies include employer group HMO, Medicare HMO, and point-of-service plans; the company also offers onsite health-related seminars. AvMed’s Disease Management Program provides assistance to members with congestive heart problems, asthma and high-risk pregnancies; its On Call phone line offers free health information around the clock.
Source: seerpress.com

Video: AvMed Medicare-Rita-SP.mov

AvMed Health Plans and Wax Custom Communications Receive Bronze at 2010 Mature Media Awards

PRLog (Press Release) – Aug. 16, 2010 – Miami, August 10, 2010– AvMed Health Plans received a bronze medal at the 2010 National Mature Media Awards, the nation’s largest awards program that annually recognizes the best marketing, communications, educational materials and programs for adults age 50 and older. AvMed’s Medicare Enrollment Kit won a bronze medal in the Brochure/Booklet category. The Medicare Enrollment Kit is an annual piece distributed before the Medicare enrollment period, aimed at educating consumers on AvMed’s Medicare plans and benefits and guiding them in their decision making process. “We’re proud that the work we create with AvMed has been honored at the National Mature Media Awards,” said Bill Wax, president and founder of Wax Custom Communications. “These awards recognize the uniqueness of our work with each of our clients and the quality team we have here at Wax.” About Wax Custom Communications:
Source: prlog.org

What Impact Does Medicare Have On Health Insurance?

Many insurance types can be considered a primary insurance depending on the situation. If you are in a car accident, and your insurance or the other person’s insurance covers any medical expenses, those would be considered a primary insurance. Similarly, if you have home owner’s, or renter’s insurance, and they cover a qualified medical expense, then they would be considered the primary insurance. This also includes coverage such as prescription coverage, and other forms of supplementary coverage.
Source: seniorcorps.org

AvMed Health Plans to Offer Healthways SilverSneakers® Fitness Program Through 2014

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

AvMed Health Plans and Delta Dental Announce a Partnership to Help Provide Affordable Dental Coverage

Delta Dental Insurance Company, along with its affiliates, is part of a holding company system that operates in 15 states plus the District of Columbia and Puerto Rico. Both Delta Dental Insurance Company and its holding company hold an “A-“ (excellent) rating from AM Best, and are part of the Delta Dental Plans Association (DDPA). DDPA consists of 39 Delta Dental member companies licensed in all 50 states. The association collectively covers more than 50 million of the estimated 170 million people nationwide with dental insurance, making it by far the largest national system of dental plans.
Source: deltadentalins.com

FAQ: Seniors On Medicare Don’t Need To Apply To The Health Law Marketplaces

Posted by:  :  Category: Medicare

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Some worry those cuts could lead to access problems, if providers drop out of the program. In the most recent Medicare Trustees report, Paul Spitalnic, then acting chief actuary for the Centers for Medicare and Medicaid Services, wrote that over the long term, some of the health law’s changes would cause Medicare payment rates for home health, hospital and other services to drop below those now paid by the Medicaid program, “which have already led to access problems for Medicaid enrollees.”
Source: kaiserhealthnews.org

Video: The Story of Medicare: A Timeline

Medicare Advantage: The canary in the coal mine

The goal is obvious: destroy the incentive for patients to enroll in Medicare Advantage and push patients back to traditional Medicare. This effect is antagonistic to the stated objectives and selling points Democrats use to vehemently defend the controversial law. While progressives stump for the law and brag about its so-called market-based approach, their prized legislation quietly eliminates healthcare freedom for the more than 14 million current Medicare Advantage enrollees, gradually using market forces to push them all into the Medicare fee-for-service system. In effect, the phase-out from Medicare Advantage to fee-for-service is nothing more than a move from markets to a government monopoly.
Source: dailycaller.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

Medicare: A Prevention Plan that Could Lower Costs

The U.S. has made enormous strides in the 46 years since the Surgeon General declared smoking hazardous to health. In 2008, just 16.5 percent of Americans over 15 smoked, or about 46 million people, which included 4.5 million seniors. That’s not only down from the 42.5 percent who smoked in 1965 (when “Mad Men” and the Marlboro Man ruled the airwaves), it’s below most other advanced industrial nations, including the United Kingdom (22 percent),  Canada (17.5 percent) and Japan (24.9 percent). But a report last week from the Centers for Disease Control and Prevention said progress against this major driver of rising health care costs may be slowing. A survey of high school and middle school students revealed that teen smoking rates — now 17.2 percent and 5.2 percent, respectively — had stayed essentially flat the past three years despite recession and steadily rising cigarette costs after dropping sharply earlier in the decade. “Large cuts in funding for state tobacco prevention and cessation programs and the tobacco industry’s continued heavy spending to market its deadly and addictive products” are responsible for the lack of progress, said Marie Cocco, a spokeswoman  for the Campaign for Tobacco-Free Kids. Between 2008 and 2010, funding for tobacco prevention programs was cut by 21 percent — from $717.7 million to $567.5 million — as states scrambled to fill recession-driven budget gaps with money from the tobacco industry settlement fund that was previously earmarked for tobacco control efforts. Meanwhile, tobacco company promotional spending totaled $12.8 billion in 2006, the latest year for which data are available. The bulk of the spending, according to the advocacy group, has been on price discounting to offset state-imposed tax increases. It’s Never Too Late A Rand Corporation analysis of a Medicare demonstration projection estimated the total health care cost savings for the agency exceeded payments for the smoking cessation program within five years. “The cost of these programs may be offset by reductions in medical expenses even when targeting older smokers,” the researchers concluded. The agency began paying for counseling for seniors already sick with smoking-related illnesses in 2005. It will now pay for four private counseling sessions during two attempts a year for people trying to quit. “The practitioner and patient have the flexibility to choose between intermediate (more than three minutes) or intensive (more than ten minutes) cession counseling sessions for each attempt,” the agency ruled. But what about people in the prime of life who smoke? They can be seen loitering in alleyways of office buildings and near workplaces throughout the workday. Both the private and public sectors have mixed records providing benefits for smokers who want to quit. America’s Health Insurance Plans, the health insurance industry’s trade group, estimates that 88 percent of health maintenance organizations offered some type of smoking cessation benefit in 2003, up from 25 percent in 1997. But there’s very little evidence to suggest most smokers take advantage of the programs. A recent survey of 1,500 health plans by United Benefit Advisors, a trade association for insurance brokers, found just 23.8 percent had active “wellness” programs that encouraged employees to quit smoking. Only 5.3 percent of firms planned to add one, even though the payback in terms of reduced health care costs is immediate.  “It’s hard to know what private plans are covering for smoking cessation now, because there are so many of them and benefits vary by employer and carrier,” said Jennifer Singleterry, manager of cessation policy at the American Lung Association. “However, we do know what they should cover: Seven medications like nicotine gum and patch and three types of counseling — individual, group and phone. Tobacco users who want to quit should have access to all of these treatments so they can find the one that works for them,” she said. Prevention: A Real Bend in the Cost Curve? State Medicaid programs, which will expand dramatically under the Patient Protection and Affordable Care Act, offer a patchwork quilt of benefits to help low-income people quit smoking. More than a third of people who are on Medicaid or are uninsured smoke, compared to 23 percent for the rest of the population over 18, according to a recent report from the Lung Association. Yet five states — Alabama, Connecticut, Georgia, Missouri and Tennessee — offer no form of cessation coverage for Medicaid enrollees. Only six states — Indiana, Massachusetts, Minnesota, Nevada, Oregon, and Pennsylvania — offer a comprehensive menu that includes both counseling and all the intervention products. Two years ago, a controversial study in the New England Journal of Medicine made headlines by questioning the wisdom of paying for prevention. It pointed out that over 80 percent of all prevention measures — cholesterol lowering pills, mammograms, prostate cancer screening — wound up costing the health care system more than they saved. But these measures did not deal with behavior-related illnesses derived from smoking, obesity and unprotected sex.  Prevention experts responded by noting that even though some prevention and detection measures don’t lower costs, comprehensive counseling programs like smoking cessation do generate savings, and relatively quickly. As insurers, Medicare and Medicaid will have to consider new approaches to major public health problems like the obesity epidemic.  Should CMS foot the bill for bariatric surgery for morbid obesity, for instance, if it will reduce the costs of chronic disease? Determining which programs work is one of the new challenges for our health care system.
Source: thefiscaltimes.com

Obamacare: Medicare (mostly) not affected

You will not need to go to the health insurance exchange. The plans sold there are not for Medicare members.  They are for people who do not get health insurance through their employer, and for employers with fewer than 50 workers.  Your Medicare supplement plan will not go through the exchanges; it will be the same as you have it now.
Source: bangordailynews.com

3 provider organizations awarded Medicare accountable

If you enjoy the content on the Crain’s Detroit Business Web site and want to see more, try 8 issues of our print edition risk-free. If you wish to continue, you will receive 44 more issues (for a total of 52 in all), including the annual Book of Lists for just $59. That’s over 55% off the cover price. If you decide Crain’s is not for you, just write “Cancel” on the invoice, return it and owe nothing. The 8 issues are yours to keep with no further obligation to us. Sign up below.
Source: crainsdetroit.com

Scammer Lebanese Doctor Is Accused of Deaths and Medicare Fraud

Not a few foreigners see the United States as a full refrigerator of available riches, populated by gullible sheep who can’t imagine that some immigrants would steal them blind if given the chance. The generous government system of medical benefits is particularly attractive, such that in 2009, Sixty Minutes reported that Medicare fraud was a “$60 billion crime” and south Florida has been quite the hot spot. One symptom: hundreds of Florida Cubans fled to the homeland to escape the FBI.
Source: vdare.com

Viva Health and Baptist Health System join forces for new Medicare plan in an unusual arrangement

To be in the plan you must use one of the four Baptist hospitals in four area counties and the 400 doctors in the Baptist Physician Alliance. The hospitals in the system are: Baptist Princeton in Birmingham; Citzen’s Baptist in Talladega; Walker Baptist in Jasper:and Shelby Baptist in Alabaster. Enrollment for Medicare plans begins Oct. 15 and is completely separate from the health insurance exchanges associated with the Affordable Care Act.
Source: al.com

Mutual of Omaha Medicare Supplement Rates Drop

Posted by:  :  Category: Medicare

Tagged With: affordable Medicare premiums, affordable Medicare supplement insurance, Medicare Insurance, Medicare Supplement Insurance, Medicare supplement insurance Nebraska, Medicare supplement insurance Ohio, MedicareBob, Mutual of Omaha, Robert Bache, Senior Healthcare Direct, supplement premiums
Source: srhealthcaredirect.com

Video: Nebraska and Medicare Supplements

Happy Birthday, Medicare!

“As Medicare continues to provide access to health care for millions of seniors and those with disabilities, AARP is celebrating its 48 successful years and advocating for responsible, commonsense solutions that will strengthen the program by lowering drug costs, improving care coordination and cracking down on over-testing, waste and fraud. Nearly 50 million Americans—15 percent of the nation’s population, and growing—depend on Medicare for health security which is why AARP will continue our work to ensure that it is there for current and future generations.
Source: aarp.org

New Nebraska Network:: Ben Nelson Stands Alone Defending Medicare In Nebraska

Nelson has a surprisingly good Democratic record when it matters.  When he votes with the GOP it is usually not the deciding vote.  For instance he did not vote against Elaine until after she already had sufficient votes.  The public option was dead and buried in the Senate months before he voted against it. Like many “Red State” Democrats and “Blue State” Republicans he must cast a certain number of votes against his party. The problem with the “progressive position” is that progressives are not willing to do the necessary work to move the political enviroment.  Conservatives also have this problem in other states.  You need to build strong political support for these positions before we expect politicians to endorse them.  That means registering voters, making phone calls, walking the precincts and all the other things that are necessary to build political support.
Source: newnebraska.net

Rural Health Clinics Ineligible for EHR Medicare Incentives

The Social Security Act that was the foundation for Centers for Medicare & Medicaid Services (CMS) EHR Incentive Programs exclude rural health clinics (RHCs) from receiving incentives under Medicare because they bill under Medicare Part A. “In Nebraska, rural health clinics are huge. We have close to a 130–140 providers who are signed up with us in rural health clinics,” says Searls. Medicare Part A covers benefits for hospital and skilling nursing home care; conversely, Medicare Part B deals with payments to doctors and outpatient services. Those receiving Social Security when they turn 65 are automatically enrolled in Part A. It is this distinction that prevents RHCs from receiving Medicare incentives in Nebraska:
Source: ehrintelligence.com

Nebraska Approves Sale of Medicare Supplement Insurance Products

We are pleased to announce the availability of lower cost Medicare Supplement Insurance in Nebraska. The Nebraska 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 Nebraska seniors.
Source: statemutualinsurance.com

Reimbursement for Select Behavioral Health Therapy CPT Codes

As an example: In reporting, choose the code closest to the actual time (i.e. 38-52 minutes for 90834 or 90836, and 53 or more minutes for 90837 and 90838). Previously, the 45 minute code was used for all sessions that lasted from 35 minutes to 65 minutes.   Under the new code structure, the therapy code 90834 is used for therapy sessions lasting from 38-52 minutes, removing the time period of 50-65 minutes.   It should be recognized that the specific times expressed in the visit code descriptors are averages and, therefore, represent a range of times that may be higher or lower depending on actual clinical circumstances.
Source: hcanebraska.org

NEBRASKA COURT REDUCES MEDICAID LIEN IN SETTLEMENT

The plaintiff subsequently filed an amended complaint adding the Department as a defendant, and requesting the following relief: (1) a judgment declaring that the Department did not have a lien on the proceeds of the plaintiff’s personal injury action and only had a subrogation claim to the portion of the claim that an allocation hearing determined to be the amount of the claim allocated to medical expenses; (2) a judgment that the Nebraska statute as interpreted by the Department was unconstitutional to the extent it allowed the Department to impose a lien on compensation for damages other than medical expenses in violation of the federal anti-lien statute; (3) a judgment enjoining the Department from imposing a lien on the proceeds of the plaintiff’s personal injury action and from enforcing Nebraska statutes in manner that violated federal law.  The Department later filed an answer and counterclaim to the plaintiff’s complaint, requesting a judgment in the amount of $130,000.00 as partial reimbursement from the funds held in escrow by the court. 
Source: themedicarespa.com

Nebraska’s Nelson Turns to Medicare in Election Debate

KOLN-TV Call: (402) 467-4321 Toll-free: 1-800-475-1011 840 North 40th Lincoln, NE 68503 Email: info@1011now.com KGIN-TV Call: (308) 382-6100 123 N Locust Street Grand Island, NE 68802 Email: kgin@1011now.com KSNB-TV Toll free 888-475-1011 123 N. Locust St. Grand Island, NE 68802 Email : ksnb@1011now.com
Source: 1011now.com

Budgeting for Home Care Services in Hermitage, PA

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She was on a tight on her own finances, but this wasn’t an option she could delay. She could certainly provide some care for her mother, but she was a busy person with her career and two kids of her own. She didn’t want to make that kind of commitment, so she cut out a few minor expenses of her own, until she could access her mother’s financial accounts.
Source: cgphomecarehermitage.com

Video: PA Medicaid Eligibility Guidelines

Pa. woman charged in $200K Medicare mattress fraud

Scrubs & Suits is an independent destination for ALL healthcare industry professionals to connect, teach, learn and discuss issues we face in our careers. We are an association dedicated to the diversity of the healthcare landscape.
Source: scrubsandsuits.com

Health Partners seeks to re

The U.S. Government Accountability Office has released a report indicating that the health insurance exchanges being set up in 34 states by the federal government as part of the sweeping health care changes of the Patient Protection and Affordable Care Act might not make the Oct. 1 deadline for open enrollment.
Source: ifawebnews.com

Watch: The Affordable Care Act in Pennsylvania

The legislation that creates Obamacare is massive – some 406,000 words. It already has brought significant changes to the American health care system and caused some companies to trim their benefits. The goal of the law is to drive down the number of Americans without health insurance (50 million, the Congressional Budget Office estimated in 2010), improve health outcomes, and cut costs. The CBO estimates Obamacare will reduce the number of uninsured Americans to 23 million by 2019. How? About 16 million of the uninsured will enroll in a more expansive Medicaid program and another 16 million will be covered by private insurers. Gov. Corbett has not yet chosen to expand Medicaid despite heavy pressure from Democratic lawmakers and even some fellow Republicans. Momentum for expansion might have grown and there are indications Corbett will have an announcement about Medicaid next week.
Source: transforminghealth.org

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October 03, 2013

How You Can Save Money With Your Medicare Drug Plan

Posted by:  :  Category: Medicare

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Our next client event will be held on October 10, and will feature George Gillespie as our special speaker.  George is a counselor with the SHIIP (Senior Health Insurance Information Program) Office in Council Bluffs.
Source: dickinsoninvestments.com

Video: Medicare Part D – 5 Things To Know Before You Enroll in a Part D Plan

Medicare, Medicaid To Keep Running Despite U.S. Government Shutdown – WebMD

If you select “Keep me signed in on this computer”, you can stay signed in to WebMD.com on this computer for up to 2 weeks or until you sign out. 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

Medicare patients should be wary of drug plan hoops

“Kaiser plans had no quantity limits, no step therapy requirements, and only 3.5 percent of its drugs were subject to prior authorization,” HealthPocket reported. “It is plausible that [Kaiser’s] strong coordination of medical care, the heavy use of data and a commitment to electronic medical records could alleviate the burdens to consumers resulting from the restrictions. The Kaiser example is a cause for optimism that there may be workable alternative approaches to drug utilization management.”
Source: benefitspro.com

Medicare Part D Frequently Asked Questions

Beneficiaries may enroll in a Medicare Part D plan during their Initial Election Period (IEP), which begins three months before they become eligible for Medicare and runs through the three months following their eligibility month. If you miss enrolling during your IEP, you can also join a Part D plan during the Annual Election Period (AEP), which lasts from October 15 to December 7 each year. During their IEP and the AEP, beneficiaries joining a Part D plan for the first time are encouraged to compare all available plans in their area in order to find one that best suits their needs. If you already have a Part D plan, you may use AEP to review its coverage details and determine if your existing plan is still the right plan for you in the coming year. You may want to shop for a new plan if your existing one is going to increase its price or cease coverage of important prescriptions.
Source: planprescriber.com

Cracker Squire: Obamacare

Some employers see this as a way to get out of the business of purchasing health care directly and, as suspicious workers realize, to limit their share of increases in health costs. Benefits consultants, such as Aon and Mercer, see a business in organizing private exchanges. Analysts at Booz & Co., the consultancy, say the exchanges hold particular promise for small and midsize employers that don’t have the negotiating clout with health providers that big companies do. Some insurers see the transparency of the exchanges as a way to focus attention on what actually is driving up health costs. (They blame providers’ prices.)  
Source: blogspot.com

Medicare Annual Enrollment Period (AEP) Begins Soon

If you miss the AEP, there are some additional options but they are limited. First there is an enrollment period that lasts from January 1 to February 14 of the following year called the Medicare Advantage Disenrollment Period (MADP). During this time, beneficiaries may switch out of a Medicare Advantage plan and revert back to Original Medicare. They cannot leave a Medicare Advantage plan in favor of joining another private plan during this period. If they drop an MA plan with drug coverage, they may then be able to pick up a stand-alone Medicare Prescription Drug Plan for medication coverage.
Source: ehealthmedicare.com

Top Medicare Official: ‘We Can and Should Do More’ to Oversee Drug Plan

Sen. Tom Carper, D-Del., who chaired the hearing, cited two new government reports on the program, known as Part D, from the inspector general of the U.S. Department of Health and Human Services. The first, issued last week, found more than 700 general-care physicians with extremely questionable prescribing patterns, including some whose prescriptions were filled at hundreds of pharmacies across dozens of states.
Source: propublica.org

Medicare Advantage plans to drop next year

Factors driving MA participation decline include “the continued phase-in of payment cuts enacted under the PPACA; modifications to the CMS risk adjustment model; implementation of new medical loss ratio requirements for MA plans; and application of the new health insurer fee,” Avalare Health said.
Source: benefitspro.com

Learn about Medicare health plans Oct. 8 in Bellingham

Thompson also is cautioning seniors to be wary of fraud, which is an issue each year during the Medicare enrollment period but has an added twist this go-round with crooks asking seniors for their personal information for the insurance exchange.
Source: bellinghamherald.com

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 HRAs & HSAs 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 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

Medicare Increase $1 In Price From The Past Three Years

USA Today: Medicare Premiums To Remain Stable In 2014 Medicare Part D premiums will average about $31 in 2014 — up from $30 for the past three years. The Part D deductible will fall from $325 to $310 in 2014. “There is continued very strong competition within the Part D plan,” said Jonathan Blum, deputy administrator and director for the Center of Medicare. When the coverage gap program began, “there was lots of concern that filling in the doughnut hole would cause Part D costs to go up” (Kennedy, 7/30).
Source: kaiserhealthnews.org

Most Senior Citizens Are Satisfied with Medicare Part D for Prescription Drug Coverage

How well has it worked? A recent survey of retirees concludes that this program has been highly successful. Nine out of 10 people covered by Part D are satisfied with their drug coverage. The program enables seniors to save money and have access to medicine they might otherwise skip. 
Source: peoplespharmacy.com

Closing the Medicare Part D Coverage Gap

The health care law adds benefits to help make your Medicare prescription drug coverage more affordable. If you reach the Medicare Part D coverage gap, you can get discounts on your prescription drugs. The discounts will gradually increase until the coverage gap disappears in 2020.
Source: aarp.org

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October 03, 2013

Medicaid vs. Medicare in Oregon

Posted by:  :  Category: Medicare

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Most people have heard of Medicare and Medicaid; however, unless you have already applied to either program you may not know what they cover and what their respective eligibility requirements are. As there is a good chance you will need one or the other as you get older, understanding the difference between the two programs will be beneficial.
Source: cooldailyinfographics.com

Video: medicare vs medicaid

The Centers for Medicare & Medicaid Services Are Tracking You — With The Help From Drug & Device Manufacturers

Once a report is filed with CMS, there will be a 45 day review period (with a 15 day extension) before it is made available to the public.  You will not be notified of the reports received unless you register with CMS. Registration can be done by going to http://go.cms.gov/openpayments.  If a manufacturer reports payment of $10,000 instead of the correct payment of $1,000, there is a dispute resolution process to resolve the discrepancy.  For physicians and teaching hospitals that have financial arrangements with manufacturers of drugs and devices, it is important that they know when a report is filed, to determine if it is accurate.  Accuracy is important as CMS will be reviewing data for compliance efforts to determine if there are conflicts of interest or if there are fraud & abuse issues.
Source: healthlawcenterplc.com

What is the difference between Medicaid and Medicare?

Comparing Medicaid vs Medicare is extremely important to understanding the health care insurance you may qualify to receive. Some individuals with a extremely low household income may qualify for Medicaid and Medicare. In that case, most medical and prescription drug needs are covered without having to purchase additional health insurance coverage.
Source: qooqe.com

Why bother? And other burning questions about Obamacare

Even with a government shutdown, the exchanges will open as scheduled on Oct. 1. The money the federal government is using to run them doesn’t rely on appropriations from Congress. The Republican-controlled House of Representatives has deliberately linked the Affordable Care Act to the continuing resolution — the law that keeps the federal government funded. They want Democrats in Congress and President Obama to agree to delay or even repeal the law in return for keeping the government running. Not going to happen, say the Democrats and Obama. It’s far more likely that the government will shut down for a few days and then both sides will agree to keep cash flowing without bringing the health-reform law into it. 
Source: nbcnews.com

FAQ: Seniors On Medicare Don’t Need To Apply To The Health Law Marketplaces

Some worry those cuts could lead to access problems, if providers drop out of the program. In the most recent Medicare Trustees report, Paul Spitalnic, then acting chief actuary for the Centers for Medicare and Medicaid Services, wrote that over the long term, some of the health law’s changes would cause Medicare payment rates for home health, hospital and other services to drop below those now paid by the Medicaid program, “which have already led to access problems for Medicaid enrollees.”
Source: kaiserhealthnews.org

Future Medical Treatment and Liens for Personal Injuries Under Medicare v. Medicaid

Medicare can and does claim a lien for Medicare paid medical bills that are related to the personal injury claims. This again includes future medical treatment for those injuries. Medicare’s payment of future bills related to the personal injury serves as the basis for the Medicare set-aside. The set-aside may be a portion or even all of the personal injury proceeds to cover future Medicare payments for medical treatment for the subject injuries.
Source: newmexicoinjuryattorneyblog.com

Does Obamacare’s Medicaid Expansion Affect You?

Some states, like California and North Dakota, have chosen to take the expanded funding under Obamacare and expand Medicaid coverage to 133 percent of the federal poverty level (up to $32,500 for a family of four). Other states, like Texas and Pennsylvania, will still offer Medicaid coverage based on the state’s own rules for eligibility, but will not be taking federal funding to increase coverage.
Source: findlaw.com

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October 03, 2013

PMG supports health care plan that integrates with Medicare

Posted by:  :  Category: Medicare

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In testimony to the Senate Committee on Homeland Security and Governmental Affairs, Donahoe said the USPS plan he is proposing would maintain current levels of coverage and generate annual savings for USPS, its employees and retirees.
Source: ruralinfo.net

Video: Health Net Medicare Advantage – Compare to over 180 Compani

New medical plans for faculty, staff for 2013 / UCLA Today

Some big changes and new choices in medical plans are coming to Open Enrollment this fall. UC is offering a revamped menu of plans for 2014 that offers better value and clearer choices, including two new plans: Blue Shield Health Savings Plan, which features a UC-funded health savings account; and UC Care, UC’s own three-tier PPO plan that offers members access to UC doctors and hospitals as well as the Blue Shield PPO network. Health Net Blue & Gold, Kaiser Permanente, Western Health Advantage and Core (administered by Blue Shield) will still be available. Four plans — Anthem Blue Cross PPO and PLUS, Anthem Lumenos with HRA and Health Net Full HMO — are being discontinued.   “The 2014 plans provide clear and distinct choices to meet our employees and retirees’ diverse and changing needs,” said Michael Baptista, executive director of benefits programs and strategy. “The designs of these plans have very little overlap. Everyone can choose a plan based on what’s most important to him or her, whether that’s having predictable costs or the widest choice of doctors.” UC employees and retirees will continue to have a broad choice of providers — including UC medical center doctors, hospitals and medical groups — and plan designs to fit their needs. The provider networks for both the Blue Shield Health Savings Plan and UC Care include 97 percent of the providers in the current Anthem Blue Cross network, so most people in those discontinued plans should be able to keep their doctor. Employees currently in Anthem Blue Cross PPO, Anthem Blue Cross PLUS and Health Net HMO will also pay smaller monthly premiums next year, regardless of the new plan they choose. Savings will depend on the new plan, salary band and dependents covered. The Blue Shield Health Savings Plan premiums are expected to be similar to the premiums for Anthem Lumenos PPO with HRA. Premiums for Health Net Blue & Gold, Kaiser and WHA are expected to increase from $2 to $10 per month, depending on the plan, salary band and dependents covered. UC will continue to cover an average of about 85 percent of the cost of the premiums. The final premiums will be available in early October. The 2014 plan offerings are the result of a comprehensive review of UC’s medical plan portfolio aimed at providing high quality medical insurance that is more specific to individual needs, while limiting cost increases to employees and the university. The review also offered an opportunity to leverage UC’s outstanding medical centers and take advantage of the changing medical-insurance marketplace. “We know how important quality medical insurance is to our employees and retirees, and we are continually looking for ways to ensure good benefits while limiting cost increases for employees and the university,” said Baptista. “Health care reform and a changing medical-insurance marketplace provided a good opportunity to rethink our benefits while still maintaining choice and quality.” Two Plans In, Four Plans Out The two new plans offer broad, nationwide networks of doctors and hospitals through Blue Shield, including UC’s medical centers, and both are expected to have lower monthly premiums than Anthem Blue Cross PPO, Anthem Blue Cross PLUS and Health Net HMO. UC Care is a new health plan created just for UC employees, retirees and families with coverage wherever you live, worldwide. You can get care from UC doctors and medical centers as well as the entire Blue Shield network of providers. You pay a fixed copayment when you use UC and other select providers near all UC campuses and coinsurance when using the other 65,000 Blue Shield providers. You also have coverage for out-of-network care. The Blue Shield Health Savings Plan is a high-deductible PPO plan paired with a health savings account (HSA) that lets you pay your out-of-pocket health care costs with tax-free dollars. UC provides an initial contribution and you can also make pre-tax contributions. You can use the funds any time for qualified medical expenses or save them for future health care needs. Your HSA balance carries over from year-to-year and you own the balance in the account, even if you transfer to another medical plan or leave UC. Blue Shield’s large PPO provider network offers a wide choice of doctors and hospitals or you can see out-of-network providers if you want to pay more. UC is eliminating the Anthem Blue Cross PPO and PLUS plans and the Health Net full HMO plan because they no longer provide the right value. “The costs for these plans continue to increase at a much faster rate than the other plans,” Baptista said. “Neither the university nor employees can continue to absorb double-digit annual increases.” The Anthem Lumenos PPO with HRA is being replaced with the Blue Shield Health Savings Plan. Employees are finding plans with health savings accounts to be more popular because of the tax advantages, the portability of the account and the ability to use the account to save for future retirement insurance needs. New for retirees Retirees and employees planning to retire in 2014 will have similar choices as employees. All six employee plans will be available to retirees not yet eligible for Medicare. Medicare-eligible retirees in California will have five plan options: Kaiser Senior Advantage, Health Net Seniority Plus, Blue Shield PPO, Blue Shield PPO without prescription drug coverage and Blue Shield High Option Supplement to Medicare. The Blue Shield Medicare plans are very similar to the current Anthem Blue Cross Medicare plans. For Medicare-eligible retirees living outside California, UC is taking a new approach. For those Medicare-eligible retirees with all covered family members in Medicare, UC will fund a Health Reimbursement Arrangement (HRA) which retirees will use to purchase individual coverage through Extend Health, a company that sponsors a Medicare Exchange. With the assistance of Extend Health’s licensed and trained benefit advisors, each covered family member will choose an individual Medicare plan that’s best for them. That includes Kaiser and other Medicare Advantage plans available in the retiree’s location. With the growing market for individual plans, many retirees will have more choices, many of which could meet their needs better than the UC plans currently available. In 2014, due to other changes in the UC-sponsored medical plan portfolio, only the Medicare PPO and the High Option Supplement to Medicare plans would have been available to those outside of California. UC plans extensive communication and education about medical plan choices throughout the fall to help faculty, staff and retirees make good choices. Watch for additional news stories, in-home mailings and campus events where you can learn more. Find all the details here.
Source: ucla.edu

Federal Health Officials to Ban Some Medicare Providers in Miami, Houston, Chicago

Top Senate Republicans have criticized the agency for not using the powerful moratoriums sooner as a tool to combat an estimated $60 billion a year in Medicare fraud. Senators Chuck Grassley, who is the ranking Republican on the Judiciary Committee, and Orrin Hatch, who is the ranking Republican on the Finance Committee, sent a letter to federal health officials in 2011 urging them to use the bans.
Source: planehealth.net

Marin•Sonoma IPA inks Medicare contract with Health Net for Sonoma County Seniors

Sonoma County senior residents will be able to continue seeing their current physicians and going to their community hospitals due to a contract signed Oct. 27 between Marin•Sonoma IPA and Health Net to provide Medicare insurance.
Source: patch.com

Learn about Medicare health plans Oct. 8 in Bellingham

Thompson also is cautioning seniors to be wary of fraud, which is an issue each year during the Medicare enrollment period but has an added twist this go-round with crooks asking seniors for their personal information for the insurance exchange.
Source: bellinghamherald.com

Long Island Health Care Provider Sentenced to 12 Years in Prison for $10 Million Medicare Fraud and HIPAA Identity Theft

According to the evidence at trial, between approximately April 2003 and March 2007, Helene Michel owned and operated MSM, a medical equipment company located in Hicksville, New York. Michel used her position as a medical equipment company owner to enter nursing homes in Nassau, Suffolk, Queens, Kings, and Dutchess Counties in order to access and steal patient records, in violation of the Health Insurance Portability and Accountability Act (HIPAA). During the scheme, Michel also falsely assumed a number of roles, including posing at various times as a doctor, a nurse practitioner, and a wound care expert. At times, in her false roles, Michel even accompanied doctors on patient evaluation rounds. Thereafter, Michel used the records that she stole to create and submit $10 million in false billings to Medicare for medical supplies and products that were either not required or not delivered. For example, in one instance, Michel used fraudulent drawings and measurements to support a Medicare claim for the cost of fitted boots for a legless patient. In another, Michel submitted false claims for the purchase of expensive wound care bandages to treat patients who never had such wounds. In the event that Medicare denied an MSM claim, Michel submitted an appeal of the denial supported by additional stolen and altered patient records.
Source: phiprivacy.net

Fast Food Healthcare Coverage

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Source: globalresearch.ca

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October 03, 2013

Original Medicare vs. Medigap: Which is Right for You

Posted by:  :  Category: Medicare

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Unlike Medicare Advantage and Medicare Part D, which have the same enrollment period called the Annual Enrollment Period (from October 15 to December 7 each year), Medicare Supplement Insurance has its own enrollment period. It spans six months and begins the month that you turn 65 and have Medicare Part B. This is the optimal time to join a plan because you do not have to submit to Medical Underwriting, which is when your medical history is reviewed and you can be charged more for insurance or even be declined coverage.
Source: ehealthmedicare.com

Video: Introduction into Medicare Supplements (Medicare Supplement Insurance Series)

Medicare Supplement Plan J

Insurance agents and company representatives across the country are telling people who have Medicare Supplement Plan J they will be grandfathered in if they purchase Medicare Supplement Plan J before June 1st, 2010. This implies they will be entitled to the identical benefits and will have the alike price, which couldnt be and from the truth. People who have Medicare Supplement Plan J will not always have the twin price, and their benefits will be cut. What is happening? Medicare is eliminating two benefits from all Medicare Supplement Plans, which are At Home Recovery and Preventive Care. At Home Recovery was a benefit that covered $40 for forty days of care at home and preventive care was an annual $125 benefit. With the elimination of these two benefits Medicare is being forced to eliminate Medicare Supplement Plans E, H, I, and J. The instigation these plans are being eliminated is for they would be causeless with other plans that are contemporaneous offered. For example, with the elimination of these two benefits, Medicare Supplement Plan J and Medicare Supplement Plan F will be exactly the twin, which is why Plan J is being eliminated. Why is it happening? Medicare is eliminating these two benefits whereas they were infrequently used by Medicare recipients. Medicare must approve all expenses and benefits and they halfway never approved the At Home Recovery Benefit, recital it abortive. The preventive care benefit will be eliminated since doctors code things agnate annual physicals as routine visits instead of preventive care. Most preventive care visits will still be covered, especially with the addition of the new health care reform bill just signed into law by President Obama. Can you keep these benefits if you have Plan J? No, you can not keep these benefits if you keep Plan J because Medicare is eliminating the benefits and will not approve the expenses. Medicare Supplement Plansare minor in nitty-gritty with Medicare being your primary insurance. If Medicare doesnt pay, then your Medicare Supplement Plan will not pick up the remaining cost. The only thing that will be grandfathered if you have Plan J will be the name Plan J “. Other than the name, you will have the exact twin benefits and Medicare Supplement Plan F. What happens if you have Plan J? If you have plan J, you can keep it if you near or you can stud to innumerable Medicare supplement Plan and try to save money. If you thirst to boss to one of the newMedicare Supplement Plans according to as Plan N or Plan M, you may qualify for a guaranteed subject period which means you will not have to answer any health questions and will be accepted into the new plan regardless of any pre – existing health conditions. However, if you pleasure to keep a comprehensive plan compatible as Medicare Supplement Plan F, you will be required to answer a series of easy health questions monastic to being approved. However, if you are in good health you will likely be able to save lot of money. Medicare Supplement Plansare very important for seniors regardless of whether they are in great health or have several health issues as we can never feature when anyone may need medical or hospital services. This can be an excellent time to compare all plans and companies to make rank you have a good comprehensive plan and are getting the best price available. Consulting an expert can make this process very easy and can answer all your questions within a few chronology.
Source: blogspot.com

Aflac Discontinues offering Medicare Supplement Plans

MedicareBob to Consumers that are considering choosing Aflac Medicare Supplement Plans: If you have been considering Aflac for your Medicare Supplement Plan, do not purchase it. Even though Aflac is accepting new Applications through September 27th, it is not a good idea because Aflac will not be accepting any new clients after the deadline, so as you get older I anticipate the rates to jump extremely high. If no one new can enter into the Plan, than only the people that are too sick to leave (or too lazy to shop) will be on the Plan, therefore the premium price will increase much faster than a Medicare Supplement Company that is still accepting new members.
Source: srhealthcaredirect.com

MedPAC Contemplates Link Between ACOs and Medigap Plans

The Center for Public Integrity: Feds Propose Shakeup For Emergency Room Billing Federal officials for more than a decade have let hospitals decide on their own how much to charge Medicare for certain emergency room overhead and staffing costs called “facility” fees — a controversial policy some critics believe invites overcharges. Now in a major turnabout, the Centers for Medicare and Medicaid Services are seeking tighter controls over the fees as part of a plan to redirect billions of dollars Medicare spends annually on outpatient health care (Schulte, 9/12).
Source: kaiserhealthnews.org

Medicare Supplement Quotes

Quotes on Medicare supplement insurance coverage are easy to obtain online. All you need to do is answer a few questions and an online quote generator can tell you how much that insurer will charge for coverage. Be sure to read all information about a policy before buying as not all Medigap policies are the same. If you have a Medicare Advantage plan, in most cases you’ll want to drop it before your new Medigap policy starts coverage.
Source: skepticwiki.org

Top 10 Reasons to Sign Up for a Medigap Plan

Medigap plans use underwriting. These seems like it would not be a reason to sign up for a Medigap plan. But on the contrary, this is a crucial reason for signing up for a plan when you are eligible. Eligibility is granted by turning 65, losing employer coverage, losing Advantage plan coverage, signing up for Part B for the first time, and several other specific instances. If you do not sign up during one of these periods, you would have to qualify medically for a plan and can be denied coverage or made to pay more (even AFTER 1/1/14 and PPACA).
Source: medicare-supplement.us

Information About Medicare Supplements

Medicare supplement Plan F is the most popular and helps pay for the co-insurance costs of Medicare Part A and Part B. Plan F also covers 365 hospital days after Medicare is used to its maximum amount of coverage. Medicare Part B is also covered by Plan F. Plan F pays for up to three pints of blood whenever it is needed and it also covers any excess Part B costs. Plan F is especially desirable because it covers emergency services when a policyholder travels abroad.
Source: fishbowlamerica.com

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

Benefits of Medicare Supplement Plans

Just because an individual is enrolled in a medical supplement insurance plan does not mean that they cannot keep the same doctors, as they are still considered to be under the Medicare program. In short, they will not lose any of their Medicare protection or rights under through medicare supplement plans.For example, while using medical supplement insurance, Plans A through G will have higher premiums, but will have limited out-of-pocket costs. Medicare Plan F is the most expensive medigap plan but it is also the most popular plan among participants because it covers all of the gaps left by Medicare. Plans K through N are known as cost-sharing plans that offer similar benefits at lower premiums, while the out-of-pockets costs will be higher. Other companies may offer additional benefits to individuals as well.
Source: dean2112.com

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October 03, 2013

Closing the Medicare Part D Coverage Gap

Posted by:  :  Category: Medicare

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The health care law adds benefits to help make your Medicare prescription drug coverage more affordable. If you reach the Medicare Part D coverage gap, you can get discounts on your prescription drugs. The discounts will gradually increase until the coverage gap disappears in 2020.
Source: aarp.org

Video: Introduction into Medicare Supplements (Medicare Supplement Insurance Series)

How Does Obamacare Affect Medicare?

The myth about Obamacare ending Medicare is entirely false, as Nicole Duritz, vice president of Health Education and Outreach with the American Association of Retired Persons (AARP), explained to U.S. News and World Report. If anything, “Medicare’s guaranteed benefits are protected in ways that they hadn’t been protected in the past” under the Patient Protection and Affordable Care Act, Duritz said.
Source: findlaw.com

FAQ: Seniors On Medicare Don’t Need To Apply To The Health Law Marketplaces

Some worry those cuts could lead to access problems, if providers drop out of the program. In the most recent Medicare Trustees report, Paul Spitalnic, then acting chief actuary for the Centers for Medicare and Medicaid Services, wrote that over the long term, some of the health law’s changes would cause Medicare payment rates for home health, hospital and other services to drop below those now paid by the Medicaid program, “which have already led to access problems for Medicaid enrollees.”
Source: kaiserhealthnews.org

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

FAQ: Seniors On Medicare Don’t Need To Apply To The Health Law Marketplaces

If you select “Keep me signed in on this computer”, you can stay signed in to WebMD.com on this computer for up to 2 weeks or until you sign out. 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

Daily Kos: Damaged Medicare

Medicaid is a state program.  Here are the rules for New Jersey: The Division of Medical Assistance and Health Services (DMAHS) is reinforcing and updating guidelines that were issued in Medicaid Communication No. 00-16, dated August 10, 2000, governing the recovery of correctly paid Medicaid benefits from the estates of deceased Medicaid clients or former Medicaid clients. The following is a list of important points to remember when determining eligibility and discussing this topic with applicants, clients, authorized representatives and families: • Medicaid benefits received on or after age 55 are subject to estate recovery. This is specifically stated and acknowledged on the authorization page of the PA-1G Medicaid Application Form. • DMAHS has an immediate right to recover from the estate unless there is a surviving spouse or child(ren) who is under age 21 or who is blind or permanently and totally disabled. Should any of these exceptions to DMAHS’ right to recover from an estate no longer apply (e.g., death of surviving spouse, attainment of age 21 by surviving child, or death or termination of disability of blind or permanently and totally disabled child), DMAHS has a right to recover from any remaining estate assets at that time. • Estate recovery in New Jersey includes payments for ALL services, not merely services for institutionalized clients. There is no limitation on the type of service for which DMAHS can recover its payments from estates including managed care (HMO) capitation fees. However, effective January 1, 2010, Medicare cost-sharing benefits paid under the Medicare Savings Programs such as “Buy-in”, Specified Low-Income Medicare Beneficiaries (“SLMB”) or Qualified Individuals (“QI-1”) are not subject to estate recovery. • The estates of deceased clients who were enrolled in various Title XIX Waiver Programs (such as ACCAP, GLOBAL Options, CCW, etc.) ARE subject to recovery. … I hope this fills in the gaps on how this rolls.  Every state has similar “estate recovery” programs which are an important feature of “revenue neutral” O’care.
Source: dailykos.com

Best Medicare Supplement Companies

Plan F is one that many choose that helps them to get all of their basic benefits including co-payments. Those who choose this option may not end up ever having to pay another medical bill, and that can be a huge help to those who want to save a lot of money and stay healthy. This plan is a little bit more expensive, but it is probably the most popular for seniors. Another great option is the plan G, which is better for those who are just looking to save some money. It has a deductible, but also offers something for those who want to try home recovery. Also, there is plan C, which covers a lot and costs a little bit less than the first option. The best way to sort through all these options is to get get a set of Medicare supplement quotes so you can make the best choice for your needs.
Source: privatehealthinsuranceuk.org

Medicare and Reform: 50 States of Confusion

Closes the Coverage Gap: The Coverage Gap — also known as the donut-hole — is the portion of a Part D plan where beneficiaries pay a higher portion of their medication costs until they reach a certain dollar amount, known as an out-of-pocket maximum. Since 2010, with the help of pharmaceutical manufacturers, CMS has lowered the copayment amounts on brands and generics. Since this change began in 2010, beneficiaries have saved $1,000, on average. By 2020, the Coverage Gap will go away completely. Surprisingly, 77% do not know that the Coverage Gap is in the process of closing due to reform and are unaware of the current savings.
Source: express-scripts.com

Gap in Medicare Rx Coverage Is Costly

If you select “Keep me signed in on this computer”, you can stay signed in to WebMD.com on this computer for up to 2 weeks or until you sign out. 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

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

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