ObamaCare Death Panels will begin their work with Medicare recipients

Posted by:  :  Category: Medicare

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2) “Medicare patients cannot pay cash for care. A 1997 law (Balanced Budget Act, section 4507) forbids private contracts between patients and doctors.”  This means that “Medicare recipients cannot pay cash for a Medicare-covered service that Medicare DENIES until the doctor has opted out of Medicare.” (My Caps) So Medicare patients must first find a fee for a service doctor or specialist and then HOPE he will be willing and able to treat them! It is incredible that it makes no difference that Medicare has DENIED their claim. (Remember that illegals may well get this same treatment free of charge simply by walking into the nearest Emergency Room.)
Source: westernjournalism.com

Video: A Permanent Fix for Medicare – Know the Facts

Government Shutdown? 36 Facts Which Prove That Almost Everything Is Still Running

All of this whining and crying about a “government shutdown” is a total joke.  You see, there really is very little reason why this “government shutdown” cannot continue indefinitely because almost everything is still running.  63 percent of all federal workers are still working, and 85 percent of all government activities are still being funded during this “shutdown”.  Yes, the Obama administration has been making a big show of taking down government websites and blocking off the World War II Memorial, but overall business in Washington D.C. is being conducted pretty much as usual.  It turns out that the definition of “essential personnel” has expanded so much over the years that almost everyone is considered “essential” at this point.  In fact, this shutdown is such a non-event that even referring to it as a “partial government shutdown” would really be overstating what is actually happening.  The following are 36 facts which prove that almost everything is still running during this government shutdown…
Source: theeconomiccollapseblog.com

Bloomberg Law: Just the RAC Facts: Controversial Program Roots Out Fraud, Waste in Medicare

As the cost and sophistication of care increases, Medicare fraud is becoming more widespread. In July, the Department of Justice settled a multi-million dollar fraud case with 55 hospitals across 21 states. The providers agreed to pay $34 million in fines after it was discovered they performed costly inpatient spinal surgeries—instead of outpatient procedures—on patients with osteoporosis in order to pad Medicare reimbursements (17 HFRA 621, 7/10/13).5 This settlement followed a 2012 case, in which 14 hospitals agreed to pay more than $12 million after they also performed inpatient procedures in order to bilk Medicare (16 HFRA 143, 2/22/12).6
Source: properpayments.org

Just the RAC Facts: Controversial Program Roots Out Fraud, Waste in Medicare

As the cost and sophistication of care increases, Medicare fraud is becoming more widespread. In July, the Department of Justice settled a multi-million dollar fraud case with 55 hospitals across 21 states. The providers agreed to pay $34 million in fines after it was discovered they performed costly inpatient spinal surgeries—instead of outpatient procedures—on patients with osteoporosis in order to pad Medicare reimbursements (17 HFRA 621, 7/10/13). This settlement followed a 2012 case, in which 14 hospitals agreed to pay more than $12 million after they also performed inpatient procedures in order to bilk Medicare (16 HFRA 143, 2/22/12).
Source: medicalcodingnews.org

The Affordable Care Act (Obamacare) Strengthens and Protects Medicare

You’ve earned your Medicare over a lifetime of work. The health care law protects the benefits you were promised to ensure you can always get the care you need when you need it. The law also adds resources to fight fraud, scams and waste, and helps the Medicare program save money.
Source: aarp.org

Medicare Fact Sheets for Professionals: Medicare Information

“I want to compliment your organization on the quality of the fact sheets and informational materials on your website. I think they are among the most accurate and clearly written materials on Medicare (and Medi-Cal) available anywhere.”
Source: cahealthadvocates.org

Medicare and the Affordable Care Act–facts & myths to be addressed

You’ll hear from King the ins and outs of the Medicare entitlement program itself and, also what lies ahead, again, “as we now know it,” she said. “It’s important to know what you need to do, especially when you make choices that will lock you in.” King advises knowing about the different kinds of Medicare supplements being marketed and asks that as much information as possible be reviewed “to pick and choose what will suit your needs the best.” There’s “no cookie-cutter plan out there for seniors,” she cautions.
Source: fortbendstar.com

Medicare Advantage And Medigap Applications Connecticut 2013

Posted by:  :  Category: Medicare

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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 Medicare Anthem Medigap 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 Connecticut 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 2013 Wellcare medicare
Source: croweandassociates.com

Video: Anthem Medicare Advantage Plans in Ohio

Anthem Medicare Preferred Average Ppo

Indianapolis Health Savings Customers (HSAs) are very popular in Indianapolis. Premiums are a great less expensive as opposed traditional health care and this class of coverage is offering greater flexibility into managing your health and wellbeing care costs. HSAs allow you have to pay for current medical charge on a tax-free basis. A person’s contributions are tax-deductible and you work out how your riches is used and thus invested. Highly trained dental and visualization expenses are also tax-deductible. HSA plans are preferred for individuals and families that do preventive benefits yet unfortunately do not alternatively have many health and well being care claims. Doing a comparison of medicare supplement Plans never been easy. However, it is important for all Medicare insurance beneficiaries to carry out a Medicare Supplement Difference after June 1s to make sure they have the best plan for interesting price. A great number of changes are at this time being made and they’ll likely provide an opportunity for most people to save money and increase the company’s benefit package. If you are usually traveling on a senior fare as well as a you are years verified you must to request your boarding pass on a rapid-check -in kiosk and prone to are not moving as such owners need not experience the same. A critical portion of health complications of the older folks and the tied in with pharmaceutical drugs being exercised occurs in deals with five years having to do with ones life. To even slightly extend the charge lifespan of the aged people would mean hundreds of billions of dollars of disadvantages . sales. There are Medicare plans in Washington State who seem to arent Medicare supplement, medigap or Medicare Advantage Plans, are usually still part with the Medicare Program.Regarding includeMedicare Cost Plans, Demonstrations/Pilot Programs, and as well as Programs of All-Inclusive Care for the elderly (PACE). These plans provide Part Any and Part Cid coverage, and few also provide Part D (Medicare prescription drug coverage). As with waiver of liability, if a radiology service is turned down as not reasonable and necessary, one of them argument a radiology provider could make under the supplier without fault doctrine is that it didn’t know, and could not reasonably have already been expected to know that payment would not be made on our claim, because the entire referring physician had specifically determined how the services would automatically be reasonable and required by the care within the patient. If you include traveling on a meaningful senior fare and you are in no way age verified you should provide strong age proof having the airport when you exchange your family confirmation number for a boarding forward. For a real age proof someone can provide your incredible driver’s license or perhaps a other accepted no . but no this url card would are more accepted. Treatment Supplement Plans could be found offered between various private inasurance companies and are most often differentiated by labels A, B, C, D, F, G, K, L, M, and N. These insurance rrnsurance plans are regulated and also by federal and claim laws wherein benefits are the alike no matter which people the insurer can. Since the benefits will, no doubt be similar, that differences lie appearing in Medicare supplement rates, plan administrator, on top of that the choice in supplement plan. People also include an alternative in the market to take advantage involving Medicare Select cover policy in several states. So when of policy includes a roster of hospitals and doctors the patient make use of. Stage D, Coverage regarding Prescription Drugs: As with any medical condition, you likely would qualify for subjection for eye sicknesses such as glaucoma requiring eye ovoids to control volume (intraocular) eye stiffness.
Source: skyrock.com

The Senior Insider: Anthem is working to protect your Medicare Advantage Plan

Here are the facts.The Medicare agency has proposed changes to Medicare Advantage payments that will impact the 14 million seniors and people with disabilities who rely on this critically important part of Medicare. Combined with the cuts included in the health reform law, these changes will likely result in seniors facing higher out-of-pocket costs, reduced benefits, and fewer health care choices. Contact your senators today at
Source: blogspot.com

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

Medicare Advantage Plans From Anthem Blue Cross

An Anthem Medicare Advantage HMO offers low or no monthly premiums, so your dollars can really stretch. You’ll be using doctors and hospitals that are within the Anthem network, so you’ll find that the savings are substantial. You will also have access to hundreds of preventive and wellness programs, discounts on products and services, and tools and kits that can help educate and guide you about ways to live a healthier lifestyle. Part D Prescription Drug Coverage is included.
Source: medicareoptionsnow.com

Anthem Medicare Preferred is Medicare Advantage Plan from Anthem Blue Cross

Freedom Blue is a preferred provider option, or PPO, that you may enroll in if you live in certain counties in California and are eligible for Medicare Parts A and B. You may see doctors that are in the plan network, or go outside of the network to your own doctor. You don’t need a referral to see a specialist. Freedom Blue has a deductible which can vary based on where you live, and must be met before plan benefits begin.
Source: benefitpackages.com

Medicare Targets Health Plans With Low Ratings

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

Original Medicare vs. Medigap: Which is Right for You

Posted by:  :  Category: Medicare

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: Learn About Medigap Plans

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

Is Medigap for wealthy people who want more health care?

MedPAC has provided us with the numbers that indicate how patients respond to Medigap incentives. When Medicare beneficiaries elect to purchase Medigap plans, their premiums triple, no matter the status of their health. But look at their out-of-pocket expenses, excluding the premiums. If they are healthy, the out-of-pocket expenses are not much different, whether or not they are enrolled in a Medigap plan. If they are not healthy, the out-of-pocket expenses are quite a bit higher, but still with not much difference between those with and those without a Medigap plan.
Source: pnhp.org

ibm medicare options: IBM Medicare Extend Health Medigap Offerings Complaint to Dr. Rhee

I signed on to the Extend Health website this morning to look at the medigap plan choices Extend Health offers in my zip code and I am extremely disappointed by the selection they are offering. It is very limited and the associated prices for the plans are significantly higher than those offered by other insurance companies in the Medicare open marketplace. For many reasons, not the least of which is the ability to go to any specialty clinic in the United States such as the City of Hope or Sloan Kettering, I must stay on Original Medicare.
Source: blogspot.com

Medicare Advantage And Medigap Applications Connecticut 2013

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 Medicare Anthem Medigap 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 Connecticut 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 2013 Wellcare medicare
Source: croweandassociates.com

Medigap insurance provider in San Diego

Medicare Advantage plans are comprehensive when it comes to coverage, and you can get all of your healthcare needs covered under one source. Some Medicare Advantage plans are cheaper than a combined Medicare and Medigap policy combined – it all really depends on your personal health needs. Medicare Advantage plans may require you to see certain specialists and doctors within a specific network of providers. Although Medicare Advantage plans can certainly be cheaper than other options, you may still need to pay a co-payment depending on the doctor visit and treatments sought.
Source: pomeradonews.com

Medigap Reform: Setting the Context

To provide context for these ongoing policy discussions, this brief examines the characteristics of the one-in-five Medicare beneficiaries with Medigap coverage and the current state of the Medigap market. The brief focuses especially on Medigap plans C and F, which offer first dollar coverage, providing full payment for both Part A and Part B deductibles and other cost-sharing requirements. Many of the proposed Medigap reforms would primarily affect these types of plans.
Source: kff.org

Medicare Expands Competitive Bidding Program for Durable Medical Equipment

Posted by:  :  Category: Medicare

You can also get the supplies from a store or pharmacy that accepts "Medicare assignment." This means that the store will accept the Medicare-approved amount as payment in full and that you cannot be charged more than a 20 percent copay (after you meet your annual deductible). A Medicare contract supplier can’t charge you more than that for the equipment or supplies included in the competitive bidding program.
Source: aarp.org

Video: Medicare Competitive Bidding Fiasco

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

Full Steam Ahead! Competitive Bidding Achieves the Best Price for Beneficiaries, Medicare and Taxpayers

Competitive bidding has generated substantial savings (more than $400 million) for taxpayers and beneficiaries in its first two years of operation, and its expansion to 91 metropolitan areas is expected to save tens of billions of dollars for taxpayers and Medicare beneficiaries over the next decade. These savings, in turn, represent lower revenues to DME suppliers. Therefore, like the many efforts to derail competitive bidding before, much of the current impetus for delay stems from the fact that DME suppliers stand to lose some of the excess profits they have been earning for the last few decades. When Congress enacted the laws that required the transition to competitively-bid Medicare prices for DME, legislators must have anticipated this opposition, as they exempted the program from judicial review, which makes it impossible for suppliers to stop the program via the courts. The rest of this post will explain how DME competitive bidding works and why it is a model for future Medicare payment reforms.
Source: bipartisanpolicy.org

MedPAC on Medicare plan competitive bidding

Consistent with the goal of encouraging beneficiaries to make cost-conscious choices, this chapter presents an overview of a model based on government contributions toward purchasing Medicare coverage—an approach we call competitively determined plan contributions (CPCs). The Commission uses the term CPC to broadly describe a federal contribution toward coverage of the Medicare benefit based on the cost of competing options for the coverage, including those offered by private plans and the traditional FFS program. Specifically, CPC has two defining principles: First, beneficiaries receive a competitively determined federal contribution to buy Medicare coverage; second, beneficiaries’ individual premiums vary depending on the option they choose.
Source: theincidentaleconomist.com

Inspector General Grants Request for Investigation into Controversial Medicare Competitive Bidding Program

“The Inspector General’s decision to investigate CMS’ implementation of Competitive Bidding is a step in the right direction for the many small healthcare providers in rural America concerned about the impact of this program,” said Braley. “When the government picks winners in a flawed bidding system for the medical equipment business, seniors on Medicare and the small businesses that serve them lose. I look forward to reading the conclusions of the coming investigation.”
Source: gantdaily.com

NASL praises bipartisan effort to delay Medicare competitive bidding program

In an example of bipartisan agreement in the House of Representatives, Reps. Glenn Thompson (R-PA) and Bruce Braley (D-IA) composed a joint letter, which 226 other representatives signed. The letter asks Centers for Medicare & Medicaid Services Administrator Marilyn Tavenner to delay round two of the competitive bidding program, which is scheduled to take effect July 1. The program is set to expand from nine to 100 areas, including New York City, Los Angeles and Chicago.
Source: mcknights.com

Medicare Expands Competitive Bidding Program for Durable Medical Equipment

The Competitive Bidding Program The Medicare Modernization Act of 2003 (MMA) established requirements for a new Competitive Bidding Program for certain Durable Medical Equipment, Prosthetics, Orthotics, and Supplies (DMEPOS). Under the program, DMEPOS suppliers compete to become Medicare contract suppliers by submitting bids to furnish certain items in competitive bidding areas, and the U.S. Centers for Medicare & Medicaid Services (CMS) awards contracts to enough suppliers to meet beneficiary demand for the bid items.
Source: wordpress.com

Medicare Diabetic Supplies

Many diabetic Medicare beneficiaries prefer to order their testing supplies via mail because it is more convenient and less expensive for the beneficiary. But, according to the New York Times, this process has “caused Medicare headaches for years” because of its costs to Medicare and high levels of fraud. To curb these issues, Medicare tested out competitive bidding on mail-order blood sugar test strips by 18 companies in nine metropolitan areas. As a result, both issues were addressed. Medicare previously paid $77.90 for 100 test strips; now, it paid only $22.47 during this experiment. Beneficiaries also benefit: Copayment prices also fell from $15.58 to $4.49.
Source: ehealthmedicare.com

Medicare Advantage plan fastracks contract suppliers

“If this were to happen on a wide scale, the carrier would be terminating hundreds—maybe thousands—of contracts to trim down to the very small number of folks that are eligible to supply DME under the program,” said Poole, vice president of operations at Benefits365. “You hear of instances where one particular carrier is making certain adjustments, but there’s usually no blanket response.”
Source: hmenews.com

Medicare’s Competitive Bidding Proposals and Updates

Competitive bidding that encompasses all Medicare plans, both MA and FFS, has several advantages. Administration of Medicare can be consolidated in a single department that encompasses bidding and administration. The process would be easily explained to beneficiaries and taxpayers since most of these parties are familiar with managed care and the bidding system used by commercial insurers. Finally, it will save money by allowing competition in the market.
Source: medicarebenefits.com

Let DMEPOS Competitive Bidding Proceed While Addressing Identified Problems and Concerns 

Section 302 of the Medicare Modernization Act of 2003 (MMA), Public Law 108-173,  added a new paragraph 1834(a)(20) to the Social Security Act (the Act), requiring the Secretary of Health and Human Services (the Secretary) to establish and implement quality standards for suppliers of DMEPOS. All suppliers that furnish such items or services set out at subparagraph 1834(a)(20)(D) as the Secretary determines appropriate must comply with the quality standards in order to receive Medicare Part B payments and to retain a supplier billing number. The quality standards are published on the CMS website at: http://www.cms.gov/Medicare/Provider-Enrollment-and-Certification/MedicareProviderSupEnroll/index.html?redirect=/medicareprovidersupenroll.  Pursuant to subparagraph 1834(a)(20)(D) of the Act, the covered items and services are defined in section 1834(a)(13), section 1834(h)(4) and section 1842(s)(2) of the Act. The covered items include: DME, medical supplies, home dialysis supplies and equipment, therapeutic shoes, parenteral and enteral nutrient, equipment and supplies, transfusion medicine, and prosthetic devices, prosthetics, and orthotics. 
Source: medicareadvocacy.org

Medicare’s Competitive Bidding Program goes Nationwide July 1st 2013:

Robert Bache aka MedicareBob owns and operates Senior Healthcare Direct. Senior Healthcare Direct is a National Telephonic Insurance Agency that represents over 26 Medicare Insurance Companies. It is our job to make sure that you always have the best price for your Medicare Supplement Plan.
Source: srhealthcaredirect.com

Impacts of the CMS/Medicare Competitive Bidding Program on NPWT Market

Until now, Medicare prices for durable equipment and related supplies have been set according to a fee schedule that was established in the 1980s and has been updated for inflation. But officials at the Department of Health and Human Services say the older system has proved vulnerable to fraud and price inflation. About 20 million people who receive Medicare fee-for-service benefits live in the 100 metropolitan areas where the program is scheduled to operate, according to officials with the Department of Health and Human Services. Only a fraction of those beneficiaries need durable equipment supplies. But the initiative is expected to save $27 billion for Medicare Part B, which covers physician and out-patient services, and $17 billion for beneficiaries, between 2013 and 2022.
Source: devonmedicalinc.com

Lab Industry Executive Writes Op

Posted by:  :  Category: Medicare

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“Without notice or industry consultation, the Federal Centers for Medicare & Medicaid Services (CMS) proposed these rules on July 8,” wrote Grodman. “The proposal, ‘Revisions to Payment Policies Under the Physician Fee Schedule and Other Revisions to Medicare Part B for CY 2014,’  would shift how labs are paid from the current method under the Physician Fee Schedule (PFS) to the Hospital Outpatient Prospective Payment System (OPPS),.”Grodman further noted that the OPPS is a method that has no relation to clinical laboratory practice.
Source: darkdaily.com

Video: Rick Perry Hates Social Security, Medicare & Rules For Wall Street

It’s time to end Medicare’s three

Recently, Gov. Deval Patrick asked the federal government to give Massachusetts a waiver from this three-day prior hospital stay rule. “A waiver has the potential to reduce costs to the federal government,” the administration wrote. “If a patient has a diagnosis that requires on-going care in a skilled nursing facility, requiring that patient to continue to be cared for in an inpatient acute hospital setting, it is not efficient from a cost perspective. Care provided in a hospital is more expensive than care provided in a skilled nursing facility.” It is not certain yet if the federal government will grant this waiver.
Source: fiftyplusadvocate.com

New Rules Aim To Save Money For Diabetics On Medicare

Diabetics with original Medicare who get their testing supplies through the mail must now use companies with contracts with the federal system. Lorraine Ryan, spokeswoman for Centers for Medicare and Medicaid Services in Philadelphia, says it will save money for recipients and taxpayers.
Source: cbslocal.com

Advocates Head To Court To Overturn Medicare Rules For Observation Care

When seniors call Medicare to complain about observation status, the option to appeal is rarely mentioned. According to records of 316 complaints — the total Medicare said it received from beneficiaries or their representatives about observation since 2008 — a typical response was that Medicare “cannot intercede with hospital/physician regarding change of status.” In a response to one of dozens of congressional inquiries, officials “advised senators [Center for Medicare and Medicaid Services] cannot change a hospital stay classification.”
Source: kaiserhealthnews.org

Many Years Young: Medicare To Delay Enforcement Of New Observation Rule

The rules require hospitals to admit a patient who is expected to stay through at least two midnights. Those whose stays are expected to be shorter will be classified as observation patients, who generally pay higher out-of-pocket costs than inpatients.  Also, because Medicare requires a three-day inpatient hospital stay before it covers nursing home expenses, observation patients do not receive this this benefit.
Source: manyyearsyoung.com

CARR ALLISON Medicare Compliance Group: INTERIM RULE IMPLEMENTING ASPECTS OF THE SMART ACT PUBLISHED

CMS recently issued an “Interim final rule with comment period” regarding the ongoing implementation of the SMART Act. This rule will become effective November 19, 2013, and does not create any substantive changes to the Act but does provide more details regarding access to conditional payment information for individuals other than the Medicare beneficiary, and reiterates the obligation to modify the MSP web portal. Public comments on this rule are welcomed and due before 5 p.m. on November 19, 2013, but a notice-and-comment rulemaking procedure is waived with CMS’s finding that it is unnecessary and in the public interest to do so. Note that comments made will be available for public inspection at http://regulations.gov. The current system allows Medicare beneficiaries to access details regarding conditional payment claims on MyMedicare.gov, but third parties who are not authorized by the Medicare beneficiary cannot access any of this information. Even those third parties who are authorized by beneficiaries can find only limited information via MSP’s current website. To enable third parties to access this information, the interim rule proposes an implementation of a ‘multifactor authentication.’ This will allow an applicable plan (and the beneficiary’s representative) access to claim-specific data without the beneficiary’s express consent, via an improved web portal. CMS’ plan is to develop this multifactor authentication within 90 days of November 19th and to implement this process no later than January 1, 2016. In theory, this will allow the beneficiary’s representative and applicable plans (that have appropriately registered) to access the improved web portal’s details and, ultimately, a copy of the formal demand. The website will implement further revisions to allow Medicare beneficiaries and their agents to dispute unrelated claims, update Medicare’s statement, obtain time and date stamped information before mediation, and to notify Medicare’s contractor of a settlement’s terms. This interim rule does not address an applicable plan’s right of appeal and appeal process regarding conditional payments; apparently, the rules implementing this aspect of the SMART Act are still forthcoming. The official version of this interim rule, and the address for submitting comments, can be found at http://www.gpo.gov/fdsys/pkg/FR-2013-09-20/pdf/2013-22934.pdf. We look forward to additional implementation details of the SMART Act and, particularly, the regulations governing an applicable plan’s right of appeal and appeal process. Once available, we will provide an immediate and thorough update.
Source: blogspot.com

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October 10, 2013

Daily Kos: Paul Ryan adds Medicare and Medicaid to the ransom note

Posted by:  :  Category: Medicare

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So far from taking Obamacare off the table, Ryan says he was expanding the playing field to include Medicare and Medicaid as well. Sure, he acknowledged that Obamacare can’t be fully repealed through through the shutdown threat, but: “We’re not saying stop going after Obamacare,” he said. “We’re saying add these other things to this list because we think they’re in this country’s interest, and by the way, in some of these instances, entitlement reform, I think the president might be willing to do this.” When he wrote the op-ed, Ryan might have been trying to limit the scope of the GOP’s demands. But faced with little more than Twitter backlash and a question from Antonin Scalia’s favorite news source, he’s now written an even bigger check for the GOP leadership to cash.
Source: dailykos.com

Video: Medicare Basics

Firm Relies On Medicare Experience As It Prepares To Open Federal Health Exchange Calls Centers

Shortly after the Medicare prescription drug benefit was introduced in 2006, the HHS inspector general found that 44 percent of callers reported problems accessing information — despite a similar 2004 inspector general’s finding — and 21 percent of callers waited so long for responses that they hung up. When Medicare introduced a new prescription drug discount card in 2004, the Government Accountability Office reported that 29 percent of the call-center answers were inaccurate and 10 percent of the calls were disconnected.
Source: kaiserhealthnews.org

How and when to sign up for Medicare

If you are eligible, you have the choice of accepting or rejecting Part B coverage. If you want Medicare Part A and Medicare Part B, then you should sign your Medicare card and keep it in your wallet. If you don’t want Part B, you put an “X” in the refusal box on the back of the Medicare card form, and send the form to the address shown right below where your signature goes. About four weeks later, you will get a new Medicare card indicating that you only have Part A coverage.3
Source: stillwatergazette.com

Massachusetts / Rhode Island NATP Chapter: New IRS Form 8959

The IRS has issued a draft of its new Form 8959 which will be used to calculate the portion (if any) of the Medicare Tax W-2 withholding which may be applied against income tax liability arising from the 3.8% surtax on certain high-income taxpayers. The issue for taxpayers and tax preparers is that the medicare surtax is an addition to the regular income tax which applies, so it is included in the calculation of required payments/withholding necessary to avoid an underpaid tax penalty.  If the payroll system gets it right and withholds more than the otherwise required 1.45% on payroll to which the surtax applies, the Form 8959 then Identifies this supplemental medicare withholding included in box #6 on the W-2 form and reports it as part of the total federal income tax withholding on line #62 of Form 1040. Likewise, there is a separate section on the form for calculating the portion (if any) of the medicare tax on self-employment and/or railroad retirement income which is supplemental and, therefore, eligible for reclassification as income tax withholding reported on line #62. This form, although complicated in presentation because almost everything associated with Obama Care is complicated, appears to be something which good tax preparation software can handle without the active involvement of the tax preparer.
Source: blogspot.com

CMS posts latest information. Not much information.

IMPORTANT: The federal Medicare enrollment period begins October 15th and concludes December 7th, 2013. That means non-State sponsored Medicare Advantage and Medicare Supplement plans are also sending information to our members during the same enrollment period that the State will be sending its Medicare Advantage plan information. In order for members to avoid mistakenly electing a non-State plan during this enrollment period and inadvertently losing their State of Illinois insurance coverage, members should only review information packets that have the State of Illinois retiree Medicare Advantage logo. Although the logo is not yet ready for the initial letter, it will be included on all future communications pieces both from the Department and from the selected vendors. In addition to these communications, the Department is developing a separate website for retirees which will be dedicated just to you.
Source: wordpress.com

Solomon’s words for the wise: Medicare Help Sessions Planned In Potter County

People with Medicare will have the chance to get personalized help from counselors at several local enrollment events. There are a number of changes to Medicare this year. Both Part D and Medicare Advantage plan members may choose to make changes at this time.  Between Jan. 1 and Feb. 15, people with Medicare Advantage plans will only be able to return to original Medicare and join a stand-alone prescription drug (Part D) plan.   Help sessions are scheduled from 9 am to 2 pm as follows:  Oct. 16, Coudersport Senior Center (9 am to 1 pm);  Oct. 23, Ulysses Senior Center;  Oct. 25, Potter County Human Services in Roulette;  Oct. 28, Oswayo Valley Senior Center;  Oct. 30, Galeton Senior Center;  Nov. 6, Oswayo Valley Senior Center;  Nov. 8, Potter County Human Services in Roulette;  Nov. 13, Ulysses Senior Center;  Nov. 14, Coudersport Senior Center;  Nov. 20, Galeton Senior Center.  Appointments are required and can be made by calling 1-800-800-2560.
Source: blogspot.com

Medicare Home Health Compare

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

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October 10, 2013

Polling on Medicare Premium Support Systems Over Time

Posted by:  :  Category: Medicare

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This data note reviews years of polling dating to 1995 to gauge public opinion on proposals to change Medicare to a premium support system, an idea embraced by GOP presidential nominee Governor Mitt Romney and rejected by President Obama.
Source: policyarchive.org

Video: Cassidy Discusses Medicare Premium Support Reform Proposal

Comparison of Medicare Premium Support Proposals

The brief compares the premium support provisions of these proposals, including how the level of premium support for beneficiaries would be determined; whether traditional Medicare would remain an option; what protections would be provided for low-income beneficiaries; and whether and how the proposals would cap federal spending on Medicare. These differences have important implications for Medicare beneficiaries, the federal budget, health care providers, and private health plans.
Source: kff.org

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

HHS on Medicare Advantage: Enrollment high, premiums low

Helping to increase enrollment in MA: The majority of beneficiaries (99.1%) have access to these higher-quality plans, according to HHS. The department expects the average number of plan choices will remain about the same in 2014 and access to supplemental benefits will remain stable.
Source: hmenews.com

Families USA Executive Director Explains How To Understand Medicare Premiums

Part D premiums are similarly tied to the costs of prescription drugs. Medicare Advantage premiums are determined by a more complicated process, but they also reflect trends in costs. Because Part D and Medicare Advantage plans are run by private companies, premiums can vary a lot.
Source: smmirror.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

CMS Announces Overall Premium Changes for 2014 Medicare Advantage and Medicare Part D

The number of 4 star plans is expected to increase from 28% to about 1/3 of all plans.  This could be a result of either more four star plans or 3.5 and lower star plans exiting the market.  Further, about 50% of Medicare beneficiaries are expected to be in 4 star plans, up significantly from 37% last year.
Source: ritterim.com

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October 10, 2013

The in box. TRIP and Medicare info from the IEA.

Posted by:  :  Category: Medicare

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The state will be implementing a Medicare Advantage Plan for Medicare-eligible State Employees’ Retirement System (SERS) and State Universities Retirement System (SURS) participants pursuant to the recently settled AFSCME state employment contract. Since the state also administers TRIP, along with the health insurance benefits of SERS and SURS retirees, it believes that by shifting to this type of plan for all retirees that it can provide the same level of health care services while reducing costs through:
Source: wordpress.com

Video: Medicare card scam targets bank info

The Medicare Program: A Brief Overview

Medicare provides older Americans and people with disabilities with health security. This fact sheet provides an updated overview of the current Medicare program, including the services covered, who is covered, how covered services are delivered, how the program is financed, and how much the program spends.
Source: aarp.org

REVISING SPECIALTY TIERS: PROTECTING MEDICARE PART D BENEFICIARIES FROM BURDENSOME COST SHIFTING

“The National Psoriasis Foundation supports the introduction of this legislation, which will provide an additional level of protection for Medicare beneficiaries with chronic conditions, like psoriasis and psoriatic arthritis,” said Leah Howard, director of government relations and advocacy at the National Psoriasis Foundation and MAPRx Coalition member. “Specialty tiers for expensive medications, such as biologic drugs used to treat psoriasis and psoriatic arthritis, require individuals to pay high copayments and can restrict access to needed medications. Without access to prescribed medications, these patients risk health complications and, sometimes, even permanent disability.”
Source: maprx.info

Bloomfield's News on Money

Plan F covers co-insurance coverage for Medicare Parts A and B. It also covers 365 days of hospital costs after Medicare benefits are used up. It also covers co-insurance payments for Medicare Part B, but this does not include charges for preventative care doctor visits. When blood is needed, Plan F pays for up to three pints and it also provides coverage for excess Part B charges. What makes Plan F an attractive supplement is the fact that it also covers Foreign Travel Emergency services.
Source: bloomfieldnm.info

IOM says Rochester has lowest Medicare spending rate in nation

For example, if an orthopedic practice wanted to buy its own MRI machine and the hospital two blocks away had one that could accommodate those patients, the committee would recommend against it. Insurers can use its recommendations to set reimbursement policies. Experts say the approach tackles the two biggest drivers of rising medical expenses: new technology and salaries. The idea is that those expensive items have to be paid for somehow and they create a need for health care providers to order up more tests and treatments, the cost of which are ultimately passed on to patients and insurers. “Supply-driven use of services is one of the major drivers of unwarranted, wasteful health care expenses,” said Dr. Martin Lustick, chief corporate medical director for Rochester-based nonprofit insurer Excellus BlueCross BlueShield. State Health Commissioner Dr. Nirav Shah called Rochester’s “a phenomenal model.” “The governor’s plan is to do regional planning across New York using Rochester as the example,” Shah said. “It’s about bringing rationality to the system. It’s about adult supervision and not a Wild West. Right now, supply drives demand.” Institute researchers say U.S. health care cost $2.7 trillion in 2011, almost 18 percent of the gross domestic product and higher than other developed countries. The institute, a nonprofit arm of the National Academy of Sciences, advocates payment reform to push competition toward value rather than toward volume of services, including the Medicare system that covers 39 million people age 65 and older and 8 million with disabilities. “The chaotic free market health care system costs Americans a bundle,” said Blair Horner, legislative director of the New York Public Interest Research Group, adding there would probably be pushback from providers against regional committees limiting their expansion plans. “Rochester offers a way to do it better.”
Source: modernhealthcare.com

Firm Relies On Medicare Experience As It Prepares To Open Federal Health Exchange Calls Centers

Shortly after the Medicare prescription drug benefit was introduced in 2006, the HHS inspector general found that 44 percent of callers reported problems accessing information — despite a similar 2004 inspector general’s finding — and 21 percent of callers waited so long for responses that they hung up. When Medicare introduced a new prescription drug discount card in 2004, the Government Accountability Office reported that 29 percent of the call-center answers were inaccurate and 10 percent of the calls were disconnected.
Source: kaiserhealthnews.org

Georgia offering Medicare info

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Source: augusta.com

General Dynamics to Help CMS Run Medicare Info Systems; Marcus Collier Comments

Acquisition Air Force Army ba BAE Systems Boeing Booz Allen Hamilton business news CACI Contract Awards CSC Defense Contracting Defense Department Defense news Department of Defense Executive moves featured Financial News General Dynamics government contracting government contracting News Harris L-3 lmt Lockheed Martin ManTech market news Navy News noc Northrop Grumman NYSE: NOC nyse: sai nyse ba nyse gd nyse lmt nyse news nyse rtn Raytheon rtn SAIC Technology News U.S. Air Force u.s.army u.s navy Contract Awards (4558) Executive Moves (1430) Financial Report (986) M&A Activity (675) News (7417)
Source: govconwire.com

Senator Asks States If They Alert Medicare to Problem Physicians

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

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October 10, 2013

Obamacare: Medicare (mostly) not affected

Posted by:  :  Category: Medicare

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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

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

Medicare FAQ: What is Medicare Supplement (Medigap) Insurance

As mentioned previously, Original Medicare, Part A and Part B, provides seniors and eligible disabled and ill Americans with the health coverage they need; however, it does not cover all costs and benefits. That’s where Medicare Supplement Insurance comes in. These plans can fill in the gaps in Original Medicare coverage. Although this type of coverage may not be right for all individuals, it is important to see if you need additional coverage beyond Part A and Part B, and understand your options before enrolling. In this post, we will focus on questions surrounding Medicare Supplement Insurance.
Source: planprescriber.com

Bloomfield's News on Money

Plan F covers co-insurance coverage for Medicare Parts A and B. It also covers 365 days of hospital costs after Medicare benefits are used up. It also covers co-insurance payments for Medicare Part B, but this does not include charges for preventative care doctor visits. When blood is needed, Plan F pays for up to three pints and it also provides coverage for excess Part B charges. What makes Plan F an attractive supplement is the fact that it also covers Foreign Travel Emergency services.
Source: bloomfieldnm.info

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

What Medicare plan & supplemental protects best for fewest out

spncity, I am almost certain he has a Medicare Advantage plan called Secure Horizons by United Health Care. This plan has the AARP nametag but has nothing to do with the plan. United pays a fee to AARP to use their name and make everything sound better. I was with this United Advantage plan for two years and it treated us good. No problems. In 2012 they increased their copays and deductibles so I switched us to BCBS Medicare Advantage. With both of these plans, along with others, there is no premium in addition to your Medicare insurance premium ($105/mo??). All of the plans available are listed on the medicare.gov website. Regarding the idea of going back to Medicare: I checked on this and found out that you can go back to plain old Medicare anytime; however, you may not be able to purchase a supplemental plan. That would be up to the issuer of the supplemental plan. My BIL has researched this for years and rechecks all the time. He says that all the supplemental plans have letter designations (such as Plan F) and each supplemental plan must provide the same coverage across the country. The only difference is the price. EX: He has regular Medicare and supplemental Plan F. So he shops for the best price on Plan F. For 2013 the best price was Mutual of Omaha, so that’s what he bought. I think he said it was $105/mo. About going back and forth: I probably couldn’t go back as most likely an insurance company wouldn’t sell me a supplemental plan because of preexisting conditions. That may change with Obamacare as they aren’t supposed to hold that against you. I’ll believe that when I see it. I may not change back regardless, but it would be nice to have that option. Hope this helps and if anyone has more information I’d like for you to post also as this is a big concern for everyone. The more information the better. Edited to add that prescription drugs are covered by most Advantage Plans but price per drug changes every year. Some of mine are even free for a 90 day supply. The Advantage Plans are "advantageous" and that is why they are always targeted for cuts by the government. A lot of older people have those plans and that is why the government treads lightly.
Source: early-retirement.org

Understanding Medicare Supplemental Insurance

While Medicare covers many things, there are different regulations depending on the state. There are also limitations, such as the length of time a person can stay in a hospital or nursing home, medical problems outside the United States, and so forth. That is why many people purchase additional Medicare supplements, also called Medigap, from a private insurance company.
Source: askamydaily.com

Supplemental Insurance Plans Blog: Medicare Supplement Insurance 101 for New Subscribers

If you are already purchasing car or health insurance through a major distributor, then talk to your representative and see if they can offer you anything. This could save you time because they already have your information on file and it would just be a matter of increasing your monthly premium. Take the time to protect yourself financially because medical bills like this can add up in a hurry and without the right protection, you could end up paying much more than necessary.
Source: blogspot.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

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October 10, 2013

Medicare FAQ: What is Medicare Supplement (Medigap) Insurance

Posted by:  :  Category: Medicare

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As mentioned previously, Original Medicare, Part A and Part B, provides seniors and eligible disabled and ill Americans with the health coverage they need; however, it does not cover all costs and benefits. That’s where Medicare Supplement Insurance comes in. These plans can fill in the gaps in Original Medicare coverage. Although this type of coverage may not be right for all individuals, it is important to see if you need additional coverage beyond Part A and Part B, and understand your options before enrolling. In this post, we will focus on questions surrounding Medicare Supplement Insurance.
Source: planprescriber.com

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

Bloomfield's News on Money

Plan F covers co-insurance coverage for Medicare Parts A and B. It also covers 365 days of hospital costs after Medicare benefits are used up. It also covers co-insurance payments for Medicare Part B, but this does not include charges for preventative care doctor visits. When blood is needed, Plan F pays for up to three pints and it also provides coverage for excess Part B charges. What makes Plan F an attractive supplement is the fact that it also covers Foreign Travel Emergency services.
Source: bloomfieldnm.info

Why You Need Their Medicare Supplement Strategize

Some sort of two major requirements to go in addition to a supplement tactics instead of a major Advantage plan is the freedom to be able to choose your doc and hospital, besides that many of some of the supplement plans pick-up all the expenditure that Medicare does not pick to the top level. When an individual choose a vitamin supplements plan check offered which ones repay for your Surgery deductible and which will ones pay your incredible deductible for doctor visits. Always remember you will have to enroll on its own in a medical prescription plan too. If you commonly do not take many pain medications now you may go with a meaningful basic plan to make now. year one will often change his prescription plan.
Source: thatguyoverthere.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

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

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

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

New Hampshire: Brand New Medicare Supplement Plan

About GarityAdvantage Agencies We are specialists in the Senior Market with over 75 years combined experience helping independent brokers grow their business and client base. As a national field marketing organization (FMO) specializing in the Medicare/Senior Market, we offer independant insurance agents outstanding service, competitive products and top commissions across a wide range of senior products including Medicare Advantage, Medicare Supplement, Final Expense, Funeral Trust, Hospital Indemnity and more.
Source: wordpress.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

I Am on a Medicare Advantage Plan, But My Children Want Me to Change to a Medicare Supplement. What Should I Do?

Your children may want you to have more freedom of choice regarding physicians, skilled nursing facilities, etc.; however, there is a monthly premium to have a Medicare supplement/Medigap policy and that premium is based on your age.   Since you would be requesting election onto the Medicare supplement, you would have to undergo health history underwriting and could be declined.  If approved, in addition to the premium you would pay for the Medicare supplement, you would also have a monthly premium to enroll onto a stand-alone drug plan, along with any out-of-pocket costs for your drugs.
Source: personalmedicareadvisor.com

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

Medicare Supplements (Medigap) For Dummies

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Source: croweandassociates.com

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