Health First Health Plans Rated Among Best In Nation

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

Video: Healthfirst y las IPA contra los recortes del Medicare

Nearly 1,500 Hospitals Penalized Under Medicare Program Rating Quality

This program is one of several Medicare has launched to make hospitals and doctors pay more attention to how their treatments compare with other hospitals, and to be more careful with public money. Medicare gives bonuses to the private Medicare Advantage insurance plans that score well on quality metrics. In 2015, the health law calls for the government to begin a quality payment program for physician groups of 100 professionals or more, and that is to be expanded to all doctors by 2017. The goal of all these programs is to replace the current financial incentive in Medicare, in which the only way for a hospital to get paid more is to perform more procedures and take on more patients.
Source: kaiserhealthnews.org

Obama's Katrina? How About Obama's Medicare Part D?

Here’s my guess: It’s because in 2006 there was no liberal equivalent of Drudge and Limbaugh and Fox News on the left. That’s changed a bit since, but MSNBC is still a shadow of the Drudge/Fox/Limbaugh axis. These guys are simply way better at milking a narrative and getting the traditional media to play along. And the Obamacare narrative is tailor-made for them. Bureaucratic failure. Broken promises. Rising costs. Their outrage is taken as entirely sincere, and for that reason it gets amplified into a feeding frenzy in the media that makes the Obamacare rollout seem not just modestly worse than the Medicare Part D rollout, but an epic disaster unparalleled in the history of social welfare.
Source: motherjones.com

Health First & Florida Hospital Partnership

Part of the beauty of the partnership is that it will allow each organization to play to its own strengths, while providing a big benefit to clients. “We will be providing what is called a ‘private label product’ for Florida Hospital Healthcare System,” Johnson explained. “They will provide their excellent clinical resources in the form of physicians, hospitals, patient facilities, etc., and we will manage that care through our health plan. The plan will be called Florida Hospital Care Advantage, administered by Health First Health Plans.
Source: spacecoastbusiness.com

6 Reasons to Choose a New Medicare Part D Plan for 2014

By Emily Brandon Retirees have the option to switch Medicare Part D prescription drug plans between now and Dec. 7. Most seniors who stick with their current plan in 2014 can expect to pay higher premiums and other out-of-pocket costs than they did in 2013. Only 13 percent of participants picked a new prescription drug plan voluntarily during this annual enrollment period between 2006 and 2010, according to a Kaiser Family Foundation analysis of Centers for Medicare and Medicaid Services data, but many of these retirees were able to significantly decrease their premium costs. Here’s why you should consider picking a new Medicare Part D Plan for 2014. Medication changes. Your medication needs could change throughout your retirement. If you are now using new medications or think you might in the coming year, you should consider evaluating which plan will cover you best going forward. Plans can and do change which medications they will cover each year and how much participants are charged for each medication. Just because your medications were covered with a given copay in 2013 doesn’t mean they will continue to be covered at the same level or at all in 2014. “Because plans can change pretty much every feature of the benefit design, including the list of drugs that they cover, people might want to switch out of a plan if, for example, the plan stops covering a drug that they are taking,” says Juliette Cubanski, a policy analyst at the Kaiser Family Foundation. “It might cost them a lot of money if they had to pay for it out of pocket outside of Part D.” Find lower premiums. The average premium is expected to increase by 5 percent from $38.14 in 2013 to $39.90 in 2014 if retirees stay in their current Part D plan, according to a recent Kaiser Family Foundation analysis of 2014 plan offerings. Many beneficiaries (44 percent) will pay between $1 and $10 more if they remain in their current plan in 2014, and 14 percent will experience a monthly increase of more than $10. Premiums will increase by more than 50 percent next year in United HealthCare’s AARP Medicare Rx Saver Plus and First Health Value Plus. Retirees enrolled in the First Health Essentials and the Humana Preferred Rx Plan will also face double-digit premium increases unless they switch plans. Avoiding high premiums is the most common reason retirees select new prescription drug plans. Nearly half (46 percent) of enrollees who switched plans paid at least 5 percent less in premium costs the following year, compared to 8 percent of those who did not switch plans, KFF found. More than a quarter (28 percent) of beneficiaries facing a monthly premium increase of $20 or more switched prescription drug plans during the annual enrollment period, versus 7 percent of those facing a more modest premium increase of up to $10 or no change in their premium. “Some plans do increase their premiums quite considerably from one year to the next,” Cubanski says. “When faced with that kind of sticker shock, that can motive people to go and look at what other plans are available that the person might think is more affordable.” Seek lower copays and other cost sharing. Besides premiums, Medicare Part D beneficiaries face a variety of other out-of-pocket expenses, including deductibles, copayments, coinsurance and costs in the coverage gap. When both premiums and cost sharing for drugs are considered, 44 percent of retirees who switched plans had overall costs that were at least 5 percent lower than the previous year. Only 28 percent of seniors who didn’t switch plans saw their out-of-pocket costs decline by at least 5 percent. “If the particular drugs you use are on more expensive tiers or not on the formulary, that can lead to higher out-of-pocket costs,” says Jack Hoadley, a health policy analyst at Georgetown University. “Go on the online plan finder on Medicare.gov and use your current mix of drugs to calculate your total out-of-pocket costs and not just the premiums.” Reduce your deductible. Just over half of prescription drug plans will charge a deductible in 2014, and most charge the maximum possible amount of $310 before any drug costs will be covered. The share of plans with a smaller deductible has declined from 24 percent in 2010 to just 4 percent in 2014. However, 47 percent of plans will charge no deductible in 2014, meaning retirees will get coverage on their first prescription, often in exchange for a higher monthly premium.
Source: dailyfinance.com

Compliance in Health Care Today

Due to these delays, providers and suppliers are not able to receive timely review and decision by an ALJ.  Similar delays are being experienced at the Medicare Appeals Council level of review as well.  As a result there are great difficulties for providers in following the road map for appeals.  At the same time it is critical that they prepare their appeals properly and timely for each step in the process to optimize their chances of a favorable opinion.  Any delays or sloppiness on the part of the provider in preparing and managing an appeal can add to delays and increase the chances of a negative decision. More information and articles on this subject is available at Strategic Management’s website at: www.compliance.com
Source: wordpress.com

Health official apologizes for Obamacare website flaws

Though Tavenner made clear during the hearing that she’s the top official overseeing the health care law’s rollout — “I’m in charge of the program,” she said — the former hospital official was spared some of the harshest criticism for the website mess. Republicans have reserved that for Health and Human Services Secretary Kathleen Sebelius, who will testify at a separate House panel Wednesday amid growing GOP calls for her resignation.
Source: politico.com

Con men prey on confusion over health care act

Mr. Price, 75, who lives in Willis, Tex., concedes he is not technology-proficient. “I don’t do the Internet,” he said. But he was surprised at how quickly a wrong turn on the web led to a barrage of marketing calls. While he and a friend were watching football one recent Sunday, the friend entered Mr. Price’s name and phone number into a pop-up window that appeared when Mr. Price was perusing an official-looking government website. Roughly five minutes later, Mr. Price said, his cellphone rang.
Source: nbcnews.com

Building a Medicare ACO: Mercy Health Select’s Story

Moving forward, Dr. Frankowski and the rest of the Mercy Health Select team are looking forward to expanding their ACO efforts. “We’re able to take the tools we’re using in the MSSP ACO and apply them to other groups that we’re caring for,” she says. With that in mind, Mercy Health has been developing other programs to implement beyond its MSSP patient population. For instance, one pilot program is a high-touch hospital transition program with nurse care coordinators following a patient for 30 days after discharge to help reduce readmissions further.
Source: beckershospitalreview.com

Houston We Have a Problem

Posted by:  :  Category: Medicare

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First though, I have to laugh about a lot of conversations I have with dentists about compliance and their need to ensure they have systems in place to protect their dental practices, and what those systems even look like. Some dentists look at me like I’m crazy (right on there). The problem is they give me all kinds of avoidance tactics (B.S.) about how they are good and don’t need me or they have a compliance person. Hey I’m not offended, you’re just not up-to-speed and your ‘compliance’ person doesn’t know crap (I would expect you to tell me I don’t know crap about dentistry, which is true, so we’re even)!
Source: dentalcompliance.com

Video: Does Medicare Cover Dental? What About Dental Crowns And Dentures?

Can I apply for Medicare? one of my teeth is really messed up?

To qualify for medicare you have to either be 65, permanently disabled for 25 months, end stage renal failure,or suffer from black lung disease. Medicare is an entitlement program where you have to work 40 quarters or 10 years of full-time employment. Also there is no dental coverage for Medicare part A or B. Dental would come from a supplement policy that you additional purchase. Some states offer Medicaid but depending on the state you apply there is no coverage for adults unless you are on a ssi, tanf or gax program. Others only provide dental for 19years old or younger. Your best bet would go to your local social and health services dept and see if you qualify to apply for Medicaid. Or call 211 and see what services they know of that help low income people with dental. Hope this helps and good luck!
Source: business-question-answer.com

Medicare Medically Necessary Dental Care Act of 2011 (2011; 112th Congress H.R. 1290)

The United States Code is the compilation of permanent laws enacted by Congress. Temporary and other non-permanent laws do not appear in the United States Code. (About half of the United States Code is the law itself, called positive law. The other half is merely a compilation of the laws but has no legal significance.)
Source: govtrack.us

Sedation options: is sleep dentistry an option for you?

Sleep dentistry is designed so patients can receive treatment without being acutely aware of the specifics of the procedure. IV sedation offers a middle ground for those patients who wish to be more sedated than the two less-invasive techniques. The advantage of IV sedation over a GA is that it can be delivered at our own practice rooms without the need to go into theatre. Patients often are amazed at how comfortable the whole procedure is.
Source: com.au

Vision Insurance: Medicare Regions

Whether a procedure is covered has no connection with the seriousness of the condition or the immediacy inside of the need. It has everything included with what service is performed, where and when it is just performed, and the physical structure active in the procedure. A covered procedure ought to be performed as a secondary service that is an essential part of a covered primary service who is non-dental in nature. It must be performed instead as the primary procedure and through the same physician or dentist. When the covered procedure results in the value of dentures or other appliances those expenses have no coverage, even though the need is a result of the covered procedure.
Source: blogspot.com

Obamacare Exchanges May, May Not Offer Dental Options for Seniors

When shopping around, be sure to read the fine print and ask questions. Often dental discount plans are marketed toward seniors; these are not dental insurance plans. Some plans may charge more or reduce benefits for older adults. Many plans offered through dentalinsurance.org do not subject seniors to special copays or reduced plan benefits based on their age. Read our post “Affordable Individual Dental Insurance Can Save Retirees Money,” for more information on the benefits of retaining dental benefits in retirement.
Source: dentalinsurance.org

Uninsured In Mich. County Can Pay For Dental Care With Volunteer Work

But even that underestimates the problem, because Medicare, the federal program for the elderly and disabled, typically does not cover dental services.  Even adults who qualify for Medicaid, the state-federal health insurance program for the poor, have no dental benefits in eight states and in 17 other states only have dental coverage for emergencies such as relief of pain and infection, according to a study commissioned this year by the American Dental Association.
Source: kaiserhealthnews.org

Medicare Supplemental Insurance

Posted by:  :  Category: Medicare

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Working with your existing Medicare benefits, Medigap is there to compensate for expenses not paid. Essentially, what is left over, that is what Medigap will cover, or the insured person will take care of the extra expense. Since certain tests and medical treatments can be extremely expensive, supplemental policies must be purchased as you get older and need more medical attention.  You can get quotes for these polices from a local agent or online through MedicareSupplementQuotes.net, one of the most reputable Medicare supplement quote websites on the net.
Source: ewf2011.org

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

In Which Way To Choose Security With Medicare Insurance Supplement Plans

B.S.A. plans have a main unique benefit. All rrdeas have ONE unmarried deductible which requirements to be first met before any an insurance plan applies. Every item goes towards all the deductible, including drug store benefits, if presented by. In your current case of a suitable single person acquiring covered it is very much one single insurance deductible. But in the you are meeting a family, the site is still a single family tax deductible whether you happen to be covering two or maybe a ten family workers. For a great PPO family agenda you have very own deductibles that work with to each members of the family member AND a good family deductible which often caps the household deductible amounts on the way to two or six times the specific person deductibles.
Source: iskying.com

Medigap Trial Right and Guarantee Issue Right Protections

By pressing “Click Here And Get Your Quote ” above, (1) I consent to receive phone calls from TZ Insurance Solutions LLC or its affiliates, or one of its third-party partners, or their service provider partners on their behalf, regarding their products and services, at the phone number provided above, including my wireless number, if provided, and (2) I agree to this website’s privacy policy and terms and conditions. I understand that these calls may be generated using an automated technology. Partners may include SelectQuote, Allied Insurance, United Medicare, Insphere, eHealth and Coventry. You are not required to grant consent as a condition of purchasing any property, goods or services.
Source: medicaresupplement.com

Price Medicare Supplement Rrnsurance Policies

Whenever always, be particular keep your immediate coverage in store until a reliable company has approved your application but offered you correct coverage and rates. Medicare supplemental health insurance policies have when you need to follow rules lay down by and state policies that were spawned to protect you may. One such law is without question that all medicare supplemental insurance policies are standardised and identified to the letters One specific through N and as well , each policy need offer the actual same benefits designated as a result of its letter topic which insurance firm offers it. What that now means is that inside your want a different medigap plan every single one insurance companies might offer it while the exact really coverage with value being the no more than difference. A person will are probably beforehand familiar with their way Medicare added plans are sorted out. As associated with 2013, there remain essentially 10 completely different plans to determine on from. All coverage for both of those plan is seriously regulated by criminal records check now laws so which experts claim all Medigap Choose A offers control exactly the pretty same scope. Each simplest plan could be Plan A regularly made of the lots of basic coverage components while Plan J offers the significantly more comprehensive plans. There are generally special plans the following Plan F and then up to Blueprint N which is composed of deductibles according to allow them to percentages. MedigapPlansGuide.com insurance, also called Medigap policy, is on the market by private insurance agencies to cover interruptions in original Medicare insurance plans. Consistent Medigap policies, described A through N, must follow State and federal laws designed shield consumers. All of Medigap policies has to allow the basic benefits, whatever company offers him. Now there are really is without reason to strain about your Treatment options. Identify a quality person that specializes across medicare supplemental medical insurance and that knowledgeable will not outright save you artwork of previous of time, but also also money. It is in addition , important to comparison your benefits by way of an expert whatever year or dual to make likely you are getting the best quote for the bucks. Plans and rates improvement often so proudly owning a relationship by having a Medicare extra specialist that anybody can turn as a way to will give great piece from mind. So, what brings to fix it tripling in the degree of time this will take to wide-range underwriting? Rapid solution is Much of men and girls are applying relating to protection for i would say the duration of about period because with to different scenario. Medicare insurance Part An typically referred to whenever hospital coverage. This plan defines overhead incurred within a hospital setting these kinds of as; room and then board, impatient consideration within an had nursing facility, surgery care and needed home health therapy.
Source: typepad.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

Is Getting Supplemental Medicare Insurance A Good Idea?

Medigap policies work with Medicare Parts A and B by supplementing the existing benefits. Medicare takes care of all payments first, and whatever is left over is either taken care of by your Medigap policy or you need to pay it out of your own pocket. Consider the costs of additional medical services needed as you grow older, and it makes sense to buy a Medigap policy.
Source: micheleandreabowen.com

How to Choose a Medigap Supplemental Policy

You also need to be aware of the three pricing methods which will affect your costs. Medigap policies are usually sold as either “attained-age” policies which are premiums that start low but increase as you get older. “Issue-age” policies that increase prices due to inflation, not age. These policies may start out a little more expensive than attained-age policies but generally have few rate increases over time. And “community-rate” policies, where everyone in an area is charged the same premium regardless of age. Issue-age and community-rated policies will usually save you money in the long-run.
Source: downriversundaytimes.com

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November 20, 2013

Aligning with Medicare to reduce data collection burden

Posted by:  :  Category: Medicare

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The 2013 Federal Budget Reconciliation Act allows Medicare to recognize providers who participate in clinical data registries that are able to generate quality measures for Medicare. This change has opened the door for providers to meet the requirements of federal programs by participating in reporting processes such as MNCM’s. In February 2013, the Centers for Medicare and Medicaid Services (CMS) issued a Request for Information to solicit responses from the public about how clinical registries  could be used for the Physician Quality Reporting System (PQRS) and Meaningful Use (the Electronic Health Record Incentive Program). These registries could include those operated by specialty boards or societies, regional health improvement collaboratives (or RHICs) such as MNCM, or other non-federal reporting programs.
Source: mncm.org

Video: Medicare vs Medicaid 612-309-9184 Minnesota Medical Assistance Minneapolis Elder Law Attorney

Massachusetts, Minnesota, and Wisconsin Medicare Supplement Plans

Unlike most states, which offer the option to enroll in one of 10 standard Medigap policies, Massachusetts, Minnesota, and Wisconsin offer Medicare Supplement plan offerings that are unique to these states. Medicare Supplement (Medigap) plans are available as an option to get coverage for out-of-pocket costs not already covered by Part A and Part B. In most of the United States, eligible beneficiaries can choose from 10 standardized Medigap plan offerings, with plans named the same letter offering the same benefits no matter what state the plan is offered in. However, as stated previously, not all beneficiaries have the option to enroll in one of these standard Medigap policies.
Source: planprescriber.com

The Cost of Minnesota’s Average Medigap Plan

By pressing “Click Here And Get Your Quote ” above, (1) I consent to receive phone calls from TZ Insurance Solutions LLC or its affiliates, or one of its third-party partners, or their service provider partners on their behalf, regarding their products and services, at the phone number provided above, including my wireless number, if provided, and (2) I agree to this website’s privacy policy and terms and conditions. I understand that these calls may be generated using an automated technology. Partners may include SelectQuote, Allied Insurance, United Medicare, Insphere, eHealth and Coventry. You are not required to grant consent as a condition of purchasing any property, goods or services.
Source: medicaresupplement.com

Man Charged in Medicare Fraud Involving Minnesota Company

The indictment was filed in U.S. District Court of Eastern District of Pennsylvania, although Orthofix’s home office is located in Minnesota. The case says that Orthofix was able to submit claims directly to Medicare for reimbursement in the amount of 80% of the cost of the devices, ranging between $3,500 and $4,400 each. The Medicare policy also states that Medicare requires a written physician’s statement that says the bone fracture has not healed at all before and during treatment.
Source: caplanlaw.com

Mental Health Association of Minnesota Blog & News

Henry eventually called MHAM because he was billed by the detox center for his time there. Henry is on Social Security Disability and cannot afford a large medical bill. Moreover, the detox center should be covered under Medicare. Henry and his advocate contacted a Medicare representative, who told them that a bill was not submitted to Medicare for the detox center. The advocate then helped Henry set up some conference calls with the county and the detox center in an attempt to figure out what happened. As it turns out, a police transport brought Henry to a detox center from a neighboring county. The detox center did not bill Medicare, but instead billed the county that transported Henry to the center. The transporting county then billed Henry. After talking to staff in both areas, it was clear that the detox center needed to send the bill to Medicare and not to the transporting county. Henry was pleased that the issue of the bill was resolved. However, a larger issue still stands. This problem would not have come up if Henry had been treated for his bipolar disorder at a hospital or clinic rather than held in a detox center when no detoxification was needed.
Source: mentalhealthmn.org

AG Swanson cites 'significant problems' with Humana Medicare Advantage plans

Some more outside-the-local-media-market thinking on Adrian Peterson’s off-field behavior. Says Susan Reimer in the Baltimore Sun: “[I]t has come to light that the unmarried Mr. Peterson may have had as many as five children by four different women. They include a 6-year-old girl and a 2-year-old boy by his current girlfriend, a 4-year-old with a dancer in a “gentleman’s club” in Dallas and a 3-month-old with a waitress in Minnesota. He is said to be providing financial support to those children. All of this transpired at the conclusion of a week when the call for the Washington [team] to abandon a nickname viewed by some as offensive reached fever pitch … so far, nobody has criticized Adrian Peterson for his careless and cavalier sexual behavior. The question we should be asking is not whether Mr. Peterson should have played football Sunday. But whether he should have worn a condom when having sex. Or whether he should be having sex with waitresses and dancers at all. While the death of the boy is a horrible tragedy, that doesn’t disqualify us from considering Mr. Peterson’s casual approach to parenthood. Why are we so indifferent to this kind of casual, serial fatherhood?” Tragedy aside, that seems like a fair question.
Source: minnpost.com

Minnesota Medicaid, Medicare fraught with overspending

The U.S. House of Representatives Committee on Oversight and Government Reform found that the state used an accounting trick in order to leverage federal reimbursement of state Medicaid spending as far back as 2010: “The state was intentionally lowering the rates paid to the managed care companies for plans outside the Medicaid program and increasing the rates within the Medicaid managed care program,” a House staff report reads.
Source: dailycaller.com

Look Out for Changes to Premiums and Deductibles for Medicare Part D Plans

Keep in mind that there may be other important changes to a plan, such as those to its formulary or cost sharing structure. For example, the deductible for Blue MedicareRx Value plan double in 2014, and it is also losing about 700 drugs from its formulary. On the other hand, this plan and others might see increases in deductibles or premiums correspond with lower co-pays or better donut hole coverage, which could save you a lot of money.
Source: pharmacycheckerblog.com

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November 20, 2013

Effective senior marketing involves Medicare supplement leads

Posted by:  :  Category: Medicare

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Here are several tips that will help you to determine if the lead generation company knows what it is doing: They check the leads they are working with against the national Do Not Call list; they offer excellent leads for a fair price; they have leads that pay off fast; and they allow you to choose the territory you want, qualify the leads and even determine how many you want each day, week or month. In other words, you choose what you want and control the outcome. If you go with a company that only offers what you need, you end up talking to qualified Medicare supplement buyers.
Source: benepath.net

Video: Free Medicare and Medigap Insurance Leads all States in USA

Medicare’s Failure to Track Doctors Wastes Billions on Name

“At some point, I think we have to hold prescribers accountable for their prescribing,” said Dr. Nancy Morden, an associate professor at the Dartmouth Institute for Health Policy and Clinical Practice, which has studied Part D. “I just don’t see how that’s different from holding them accountable for the quality of care in the exam room or in the operating room.”
Source: propublica.org

Quality of Health Plan One Medicare Supplement Leads !

I have seen positive respond in Insurance Forum for Health Plan One Medicare Supplement leads and decide to try them. Here it is mi experience with them: By signing contract I deposit with them $400 and they will charge me $26 per lead until my pool of money get down to $100 then they will recharge again to $400 level. After only three days I stop the service and wrote to them: You send me all together three leads and in the period of three days with multiple attempt in different time of the day I could not reach by phone or email any of those three people. Thank you but I do not need your service, I have business to do if I want cold call prospect then I will put live person in my office and for $26 an hour definitely is going to be some business. Good luck to you and your business.
Source: insurance-forums.net

Aging Seniors & Houston Homes

Brian: Yeah. I mean, it’s important to be able to take care of yourself. And as far as, from the real estate aspect, you know, as a parent or as a person who’s looking out for someone who’s going to need long-term care, you know, you can get an appraisal on the house and get an idea of what it’s worth. Get an idea of what it’s worth in the condition that it’s already in. A lot of people come to us and want to look at what they, they have an emotional attachment to the house, which is, of course, understandable. Or they think that the house should be worth x amount of money, but it’s real important to get educated on what your property’s worth and what the options are. So call a company like Big State Home Buyers to see what you can get without doing anything to the house to sell it quickly. Call a local agent to find out what the options are for listing and selling the house that way. Maybe the parent wants to keep the house and, you know, maybe a family member wants to move into it.
Source: bigstatehomebuyers.com

Tuesday, November 19, 2013: Religious freedom, bear baiting and Medicare enrollment — Opinion — Bangor Daily News — BDN Maine

The site will still be viewable but certain elements might display incorrectly. In order to enjoy all the features of our site, we recommended you upgrade to a newer, more secure browser. Read more ». If you don’t have administrator privileges for your computer, you can still take action. Google has developed a free plugin for Internet Explorer called Google Chrome Frame. You can install it on any computer, even if you can’t install applications, and it will ensure your computer stays secure and that you can still visit our website. Enable Google Chrome Frame now »
Source: bangordailynews.com

WOMEN’S SOCCER: La Sierra’s Escalera leads Seattle

David Lassen hosts the Alumni Report blog, detailing the exploits of Inland Southern California athletes competing in pro and college sports. David has covered the Dodgers, Lakers, Clippers and five Olympic Games. He has learned, among other things, that every loss is not the fault of the officials.
Source: pe.com

Seniors lose insurance AND doctors under Obamacare

The company is asking elected officials to avoid further cuts to the program, “We’ve been lobbying Congress to help insure that Medicare Advantage is appropriately funded to avoid further increases in premiums and changes in the product,” Vincz told TheDC. “We are hoping to make this a one time experience.”
Source: dailycaller.com

Reviews About Life Insurance Leads Appointments

When trying to use telemarketing for this type of sale, you must be absolutely certain that the people you are calling are eligible for a reverse mortgage. Nothing would be worse than calling someone, presenting information that makes them hopeful, only to find out that they aren’t even close to being qualified for the program. Our company will help you find dependable leads that qualify for the program as well as guarantee quality, Reverse mortgage, Medicare and exclusive life insurance leads. We will set up preset appointments for reverse mortgages, which will increase your sales and commission. Our staff is professional, well trained, and reliable. They utilize a system that will create several hundred, even thousands of leads through interested and eligible senior homeowners. Reverse mortgages help provide seniors with financial benefits and protection and in closing a sale for a reverse mortgage you will benefit as well, with increased profit. Let New Lead® help you by using our proven lead generating techniques that will bring you individualized leads that will result in generating more sales for your company. We understand that, especially with the current senior generation, phone marketing can be very valuable. People do not always embrace technology when they did not grow up with it and using a known means of communication can be invaluable. It is important not to make potential customers feel intimidated by your marketing tactics. We will make sure your potential clients feel comfortable with the sales process and act as a first point of contact to set the stage for your sale. List Leads Our company is U.S. based and has nearly 10 years of experience. Our experience in the Reverse mortgage, Medicare and life insurance leads generation field can be used for your benefit, whether you are a seasoned marketing professional or just starting out. We can help you with your direct mailing lists and telemarketing lists as well. The list will be exclusively yours, improve your sales, and they are available at a competitive and affordable rate. Many companies in our business give clients lists that are extremely generic and will not improve sales. Don’t waste your time or money on this type of service. New Lead® has over 96 percent efficiency in delivering leads for your marketing needs. We use the latest technology now to create customized mailing and telemarketing lead generation for all marketing professionals. We will take in to account any filtering you require and we focus on leads in the health care at home, mortgage, insurance, and real estate markets. If you want to focus on a certain age group, we will use that filter. If you want to only market to homeowners, we can do that also. Just let us know what your target market is and we will help you generate more sales with our leads. We can also emphasis leads in a specific geographical location if that is what you require. Focusing on your local area is excellent to build reputation and focusing on areas you are opening a new office, or do not currently have business, is a very good way to expand your business and at the same time the revenue generated by your company. Don’t limit yourself by using poor quality leads and targeting people that won’t be interested in what your company has to offer. Let us help you optimize your marketing with our one of a kind sales leads for all of your telemarketing and direct mail needs. Simply let us know about your company and the market you are looking for and we will create the list, or lists, that you need to move your company to the next level in the business and profit world.
Source: prlog.org

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November 20, 2013

Compare Medicare Part D vs. Medicare Supplement Plans

Posted by:  :  Category: Medicare

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Costs associated with Medicare Part D plans can vary by location and carrier. General plan costs include monthly premiums, yearly deductibles, coinsurance, and copayments. A unique aspect of Medicare Part D plans is the coverage gap, also known as the “donut hole.” In 2013, once you and your plan have spent $2,970 on covered prescription drugs, then you enter the coverage gap. In this gap, you are responsible for the total cost of your prescription drugs. There are discounts available in this coverage gap. Once you have spent $4,700, your plan coverage begins again.
Source: ehealthmedicare.com

Video: Medicare Supplement Plans (Medigap Coverage) Overview

Perfected Medicare Supplement Coverage

This kind of Medigap Texas insurance protection policies are classed as based on some types of salary they conserve your company. You should either obtain easily affordable rates in improvement to high deductibles or high monthly premiums along with less expensive deductibles. Yourself have to are nevertheless the one toward determine which range of plan your business would like that would go with. Either manner that you will obtain certain sort of a solution. It recently depends on just how probable you will also be in should have of having which will pay your tax deductible. If you are for your current most part certain ready to now have to carry available this, obtain a new good inexpensive deductible or perhaps even else put a new funds away ahead of time. That way buyers are equipped whether or not something transpires.
Source: afterbcsurgery.org

Medigap Trial Right and Guarantee Issue Right Protections

By pressing “Click Here And Get Your Quote ” above, (1) I consent to receive phone calls from TZ Insurance Solutions LLC or its affiliates, or one of its third-party partners, or their service provider partners on their behalf, regarding their products and services, at the phone number provided above, including my wireless number, if provided, and (2) I agree to this website’s privacy policy and terms and conditions. I understand that these calls may be generated using an automated technology. Partners may include SelectQuote, Allied Insurance, United Medicare, Insphere, eHealth and Coventry. You are not required to grant consent as a condition of purchasing any property, goods or services.
Source: medicaresupplement.com

GAO Ties Medicare Supplemental Coverage to Higher Health Spending : Health Industry Washington Watch

At the request of Senate Republican policymakers seeking a better understanding regarding the impact of supplemental coverage on overall Medicare spending, the Government Accountability Office (GAO) recently compared the health care expenditures of beneficiaries with only traditional fee-for-service (FFS) Medicare coverage to those of beneficiaries who have supplemental coverage from either private insurance companies (a.k.a., Medigap) or employer-sponsored plans. Based on a review of 2010 data, the GAO concluded that health care expenditures are higher for beneficiaries with supplemental coverage than for beneficiaries with FFS Medicare only. More specifically, both average Medicare spending and out-of-pocket expenses for beneficiaries with Medigap were significantly greater than for those with Medicare FFS coverage only. Within the FFS only group, those who are enrolled in Medicare’s Part D prescription drug program spent considerably more on health care than those who are not enrolled in Part D.
Source: healthindustrywashingtonwatch.com

Medicare: Original, Replacement, Supplemental and Extra Crispy

Medicare Part B also covers outpatient hospital services including Emergency Room Visits and Hospital Observation. Generally, this means the patient pays a copayment for each individual outpatient hospital service. This amount may vary by service. The copayment for a single outpatient hospital service can’t be more than the inpatient hospital deductible. However, the total copayment for all outpatient services may be more than the inpatient hospital deductible. Part B also covers most of the doctor services when you’re a hospital outpatient. The patient pays 20% of the Medicare-approved amount after they pay the Part B deductible. Generally, the prescription and over-the-counter drugs received in an outpatient setting (like an emergency department), sometimes called “self-administered drugs,” aren’t covered by Part B. Also, for safety reasons, many hospitals have policies that don’t allow patients to bring prescription or other drugs from home. If the patient has Medicare prescription drug coverage (Part D), these drugs may be covered under certain circumstances. The patient likely will need to pay out-of-pocket for these drugs and submit a claim to their drug plan for a refund.
Source: managemypractice.com

An Introduction To The Medicare Supplemental Plan F at Jonathan Mods Central

In order to get a good understanding of Medigap Plan F, you need to examine the basic benefits covered as well as some additional benefits that participants are eligible for. To begin with, basic benefits include hospitalization through Part A, twenty percent of Medicare approved medical expenses through Part B and also the initial three pints blood every year as well as hospice care through Part A. The additional benefits beyond the basic Medicare benefits through Plan F also cover skilled nursing facility care, Part A as well as Part B care deductibles and Part B excess charges. It also offers coverage for individuals traveling abroad who end up needing emergency care.
Source: modscentral.com

Does Medicare Supplemental Insurance Suit Your Needs?

Those aged 65 and older can rely on traditional Medicare Parts A and B to pay for a broad array of healthcare services and supplies, though by no means will everything be covered. For this reason, it may be wise for such individuals to purchase a supplemental insurance policy to pick up the slack. This type of policy, also referred to as Medigap coverage, is sold by private carriers and is intended to take care of payment for things that traditional Medicare does not include. Such expenses include co-pays, annual deductibles and coinsurance. Certain available Medigap policies also provide coverage for services that have no coverage whatsoever under traditional, original Medicare.
Source: kurafire.net

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

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November 20, 2013

Baucus, Reid Warn Of Disaster To 50 Million Seniors, Six Million Children From House Continuing Resolution Plan

Posted by:  :  Category: Medicare

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In addition to these severe impacts on Medicare, H.J. Res. 59 would disrupt multiple other services for working families and vulnerable populations.  Federal funding for the Children’s Health Insurance Program (CHIP) would end on October 1.  States that expanded eligibility under their approved Medicaid state plan for parents and childless adults (the early adoption option) would immediately lose funding for this population, and federal funding would not be available for states that have planned expansions under their state plans as of January 1, 2014.  The delivery of health care to medically-underserved people at many community health centers would be reduced due to a nearly 60 percent reduction in federal funding.  National Health Service Corps funding would be eliminated.  The Health Resources and Services Administration’s Maternal, Infant, and Early Childhood Home Visiting program for at-risk children (which encompasses grants to states and Tribal entities) would be eliminated.  Over 92,000 individuals in the Pre-Existing Condition Insurance Plan Program would immediately lose coverage.  H.J. Res. 59 would also cut funding needed by the HHS Office of Inspector General, the Centers for Medicare & Medicaid Services, and the Department of Justice to fight health care fraud and would take away important anti-fraud tools that were enacted through the Affordable Care Act.  H.J. Res. 59 could adversely affect the delivery of health care in Indian Country by undermining the substantial changes the Affordable Care Act made to the Indian Health Care Improvement Act.  A funding prohibition would also appear to block federal enforcement of all of the health insurance market reforms enacted in the Affordable Care Act, including the prohibition on pre-existing condition exclusions for children, dependent coverage for young adults under age 26, the prohibition of lifetime limits, and coverage of recommended preventive services without cost sharing.
Source: senate.gov

Video: Fresh Perspectives: MEDICARE

Social Security and Medicare taxes and benefits: Things change, but we’re still going broke

Gene Steurle and Caleb Quackenbush of the Urban Institute have updated their figures showing the lifetime Social Security and Medicare taxes people pay, based on when they’re born, and the lifetime benefits they can expect to receive (I’ve produced similar figures in analyzing whether America’s retirees have truly “paid” for their Medicare benefits).
Source: aei-ideas.org

Schooling in the Ownership Society: Children on Medicaid are prescribed anti

Drug makers for years have been making billions marketing antipsychotic and antidepressents for use in schools and foster homes on children with behavioral issues. Now Barron’s and WSJ report that the feds are investigating the over-prescribing of anti-psychotic drugs like Abilify (now the nation’s No. 1 prescription drug) to children from low-income families on Medicaid. The children, often diagnosed with “behavioral problems” such as bipolar disorder or “irritability” associated with autism, or even kids with ADHD, are prescribed antipsychotics at four times the rate of privately insured children, according to a study by Stephen Crystal, a professor of health policy at Rutgers University, that looked at data from 2004 on 6- to 17-year-old children in seven states. Government Medicaid data indicate that some of the prescriptions are being written for very young children. An analysis by Mathematica found that in 2008, 19,045 children age 5 and under were prescribed antipsychotics through Medicaid, 3% of recipients under 20, up from 7,759 in 1999, according to James Verdier, a senior fellow at the organization. Some were under a year old, including one listed as a month old. In New York, a spokesman for the state health department said some children between ages 1 and 2 received antipsychotics for conditions such as autistic disorder and attention deficit disorder with hyperactivity. Dr. Fernando Siles, a pediatric psychiatrist in the Dallas area who treats many poor foster children, says he sometimes prescribes such medications to treat serious behavior problems. “A child that continues to be aggressive will be kicked out from his foster home,” he says. “The antipsychotic is to stabilize the behavior of the child, to keep him from being moved and moved again.” The article doesn’t break it down by race. I would like to know if children of color are being given anti-psychotics in great numbers than are white kids. What would you guess?
Source: blogspot.com

Viewpoints: Disability Insurance ‘Time Bomb;’ Leavitt On The Lessons Of Medicare Part D’s Rollout; Boys And Eating Disorders

The New York Times: Do Clinical Trials Work? [A]t the annual meeting of the American Society of Clinical Oncology last month, much of the buzz surrounded a study that was anything but a breakthrough. To a packed and whisper-quiet room at the McCormick Place convention center in Chicago, Mark R. Gilbert, a professor of neuro-oncology at the University of Texas M. D. Anderson Cancer Center in Houston, presented the results of a clinical trial testing the drug Avastin … Gilbert’s study found no difference in survival between those who were given Avastin and those who were given a placebo. … The centerpiece of the country’s drug-testing system — the randomized, controlled trial — had worked. Except in one respect: doctors had no more clarity after the trial about how to treat brain cancer patients than they had before (Clifton Leaf, 7/13). 
Source: kaiserhealthnews.org

Waiting for Medicare: ACA Will Help Fill the Gap

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

Commentary: Medicare a model of efficiency compared to Obamacare

Dennis: I was surprised that SS cut my check that much also. However, when I checked it they first said, that was my first check, it would go up the next month. Well, when it did not go up, I called again and this time, I was assured it was correct, and who ever told me the check would be more the second month was mistaken, I would not be receiving anymore than the $670. I asked to speak with a supervisor and she informed me she was the supervisor, I had my explanation and that was all they could do for me. Today, I draw $841 per month, after I think it is 7 years. I am grateful to have my great grandchildren, they keep me busy, which is a good thing. My doctor says they are keeping me young. lol But I am raising them, the oldest one will be 15 in two weeks, I brought her home from the hospital at 2 days old. My second child is 3, I have had him since he was 8 weeks old. They are good kids, but of course, they are spoiled too. I had not planned to spend my retirement raising more children, but we just never now what God has planned. Thanks for the information on Obamacare. Government has never been involved in anything that they did not screw up. Someone said recently, if the government was in charge of the desert there would be a shortage of sand within 5 years. And I believe that. I personally think, we had the best health care system in the world anyway. The biggest problem with it, I think was mismanagement , excessive law suits and not enough honest oversight. I honestly think, the only thing wrong with Medicare and Medicaid is mismanagement and allowing all of the illegals in the country. However, Congress should never have been allowed to touch the funds either. They should have been invested and both medical and SS would be solid, allowing for a more decent percentage monthly payout to the retirees. When I listen to these educated politicians talk, it really grates on my nerves, as they lack any common sense at all. Hope you have a great week, it was nice hearing from you.
Source: marylandreporter.com

Daily Kos: Raising the Medicare eligibility age an even worse idea than we already knew

There’s new proof of just how bad an idea raising the eligibility age for Medicare to 67 is. The Congressional Budget Office has revised its estimate for how much the policy shift would save, and found that it’s next to nothing. Implementing this option would reduce federal budget deficits by $19 billion between 2016 and 2023, accord to new estimates by CBO and the staff of the Joint Committee on Taxation (see Table 1). That figure represents the net effect of a $23 billion decrease in outlays and a $4 billion decrease in revenues over that period. The decrease in outlays includes a reduction in federal spending for Medicare as well as a slight reduction in outlays for Social Security retirement benefits. However, those savings would be substantially offset by increases in federal spending for Medicaid and for subsidies to purchase health insurance through the new insurance exchanges and by the decrease in revenues. It would save less than $3 billion a year. That’s practically nothing. It would force more people onto Medicaid and into the health insurance exchanges, where most would require subsidies. It would probably force a chunk of people into Social Security Disability, as well. It will keep people working longer, and that means it will cost their employers—and everyone with private insurance—more in insurance premiums to cover this older, sicker population. The thing is, people still need health care when they’re 65. There isn’t a magic two years between 65 and 67 when everyone is healthy and doesn’t need to go to the doctor. If they can’t get that access through Medicare, they’ll have to get it elsewhere. Or go without and cost even more because of deferred health issues when they do reach Medicare age. If they live that long.
Source: dailykos.com

A new opportunity to connect kids to coverage in California

Estos fondos nos ayudarán a concentrar más de nuestra energía y esfuerzos en los condados de Central Valley de California y las regiones de Inland Empire, donde viven y trabajan muchos niños y familias latinas que no tienen seguro médico. CCHI, junto con nuestras organizaciones miembros locales, trabajarán en estrecha colaboración con los medios de comunicación en español, fuentes confiables de noticias e información para las comunidades latinas, para dar a conocer y anunciar los eventos educativos y de inscripción locales. Ayudar a estas familias a conocer sus opciones de cobertura y cómo inscribirse es crucial para el éxito de la reforma de la salud. Sabemos que podremos ver a más niños crecer sanos y tener éxito en la vida como resultado de las oportunidades en la Ley del Cuidado de Salud a Bajo Precio.
Source: cms.gov

DINING: Free kids meals at Outback on Halloween

Here are the details, the free kids meal offer is valid with the purchase of an adult entree on Halloween, Thursday, Oct. 31, only. The offer is valid for lunch or dinner, dine-in or Curbside Take-Away at participating Outback Steakhouse locations. No coupon is necessary. Just say “free kids meal” to your server to receive the offer. Note, one free kids meal with each purchase of an adult entree, and there is a limit of two free kids meals per visit.
Source: pe.com

How much subsidy should each person get for health insurance?

Employer Provided (ESI). Underneath per capita figures there are big variations. For example, I receive about double the average subsidy shown for ESI. My federal tax bill is around $3,000 less than it would be if ESI did not receive tax preferences because: (1) the amount Duke pays for my insurance is not subjected to taxation (and thus tax free compensation); (2) My premium share is pre-tax, and thus reduces my income that is subjected to taxation. Further, there are 5 people who receive coverage via my employment at Duke and this subsidy (me, wife, 3 kids). This subsidy, combined with the pooling power of (especially) large employers mean that there are a very large number of people who have it quite good under the current system. So, the size of the per capita subsidy understates the political power for the status quo that exists in employer sponsored coverage. Paul Starr calls this plus the Medicare subsidy above the policy trap.
Source: samefacts.com

Eschaton: Medicare For Old People Good Medicaid For Kids Bad

This commenter pretty much embodies the modern Republican party. [W]ith Obamacare we the taxpayer are the ones paying for it and because of Obamacare our Medicare will be cut because the Democrats decided to take the money from Medicare. Oh and we the taxpayers who are paying for Obamacare shouldn’t have lesser health insurance than you deadbeats who get it for free. Welfare should be for short-term assistance so people can get on their feet…not a way of life and not a system where people who have BMWs and Mercedes are whipping out Access cards while chatting on their iPhones.
Source: eschatonblog.com

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November 20, 2013

Social Security and Medicare taxes and benefits: Things change, but we’re still going broke

Posted by:  :  Category: Medicare

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Gene Steurle and Caleb Quackenbush of the Urban Institute have updated their figures showing the lifetime Social Security and Medicare taxes people pay, based on when they’re born, and the lifetime benefits they can expect to receive (I’ve produced similar figures in analyzing whether America’s retirees have truly “paid” for their Medicare benefits).
Source: aei-ideas.org

Video: Medicare Explained

Ask The Experts: Retirement

Q. I am a retired federal employee on CSRS Offset. Law enforcement with mandatory retirement at age 57.  My wife is older than I am and is drawing on her own Social Security. Until I am 62, all of the money is CSRS.  When I turn 62, I will start to draw Social Security and my CSRS annuity will be reduced. Would my wife then be able to draw the spouse one-half amount of my Social Security (or whichever is the larger amount between us), or is there any language in which she would be restricted from my Social Security due to the fact that it is tied to my CSRS amount? She is having to sign up for Medicare because she is 65.  We pay a lot of money for our federal health insurance. They will take $104. This would protect us with the Blue Cross secondary. Do you recommend signing up for Medicare even though it will decrease her benefits with Blue Cross health insurance?
Source: federaltimes.com

2013 Update on Lifetime Social Security and Medicare Benefits and Taxes

We have been publishing these numbers for a long time—and not without controversy over our intent. Our hope is simply that better and more complete information will help elected officials decide whether Social Security and Medicare are distributing taxes and benefits in the fairest and most efficient way possible, a decision we do not believe possible by looking only at annual numbers or how current, not future, retirees and taxpayers might fare. Therefore, we are delighted that in its most recent Long-Term Budget Outlook, the Congressional Budget Office for the first time also published estimates for lifetime Medicare benefits and taxes, as well as Medicare and Social Security combined. Using a slightly different methodology, CBO produces very complementary results. Differences derive from it using median-wage (rather than average-wage) workers, a 3 percent (rather than a 2 percent) real discount rate, and an assumption of Social Security claiming at 62 (rather than 65). As CBO also notes, expected benefits (and taxes, to a more limited extent) have grown over time for a number of reasons, including longer life expectancies, higher incomes, and rising health spending per person.
Source: governmentwedeserve.org

Medicare beneficiaries confused about enrollment

HealthPocket analysts said there are a lot of important insurance decisions left to make in only a month’s time. They said that “plans change from one year to the next and purchasers should use the annual enrollment period to assess their needs and the plans that are most likely to meet them.”
Source: benefitspro.com

What Makes Medicare Benefits Not Taxable?

The Medicare system for US citizens is a very complicated one. It leaves so many questions unanswered for most of them. It is a program in place for the benefit of senior citizens, and for people with certain disabilities. Medicare benefits are usually tax free. But under certain circumstances, they become taxable. If annually what you earn is less than $25,000 you will not have to pay any tax to the federal government. When an individual makes over $940 monthly, he has to report the Medicare benefits as income to the federal government. A high income only attracts taxes i.e. only if you can afford to pay are you taxed. Are Medicare premiums tax deductible? Read ahead and find out.
Source: taxpremium.com

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November 20, 2013

An Introduction To The Medicare Supplemental Plan F at Jonathan Mods Central

Posted by:  :  Category: Medicare

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In order to get a good understanding of Medigap Plan F, you need to examine the basic benefits covered as well as some additional benefits that participants are eligible for. To begin with, basic benefits include hospitalization through Part A, twenty percent of Medicare approved medical expenses through Part B and also the initial three pints blood every year as well as hospice care through Part A. The additional benefits beyond the basic Medicare benefits through Plan F also cover skilled nursing facility care, Part A as well as Part B care deductibles and Part B excess charges. It also offers coverage for individuals traveling abroad who end up needing emergency care.
Source: modscentral.com

Video: Plan F Medicare Supplements

There Are Things That You Should Know About Medicare Supplement Plan F

Medicare is available to anyone who is age 65 or older, who is eligible for Medicare. People are eligible to sign up and enroll for a Medicare Supplement, or a Medigap, policy 3 months prior to the month they turn 65 and the three months after the person turns age 65. The person is able to qualify regardless of his or her health history. In other words, there is no health condition that will disqualify a person for this period, and prohibit that person from getting coverage. This means if you have any condition this is the best time to get your Medicare supplement quotes, and the agents we trust most of medicare supplement quotes is CompareMedicareSupplements.net.  Once the person has coverage, he or she should not drop it, as they would have to qualify medically in the future, unless there are certain circumstance that would qualify as an exception.
Source: deborahserani.com

Taller Deductible Medicare Dietary Supplement Plan F Duquel Buy It!

Utilizing the ability so that you can see the methodical doctor of that this option is critical. Most Medicare health insurance supplemental plans accept you to make a the physician as well as hospital you favor, but verify that program prior to help you acquiring, just in about situation you ought to find questions. The Federal administration owns and has the Medicare choose. The dietary supplement plans are consistent from the Cardiovascular for Medicare Applications and they unquestionably are bought from corporate insurance providers. As a come of the standardizations, all Medigap dental policies provide the genuine same rewards. This makes is often significantly less challenging and difficult when comparing tips. Nonetheless, specific rates charged by means of the providers might fluctuate considerably.
Source: paginasweb390.com

And Then There Deductible Medicare Dietary Supplement Plan F Usually Do Not Buy It!

Y.S.A. plans have a main unique provide. All procedures have ONE spouseless deductible which necessities to be attained before any insurance policies coverage applies. Issue goes towards that deductible, including pharmacist benefits, if released. In specific case of the right single person covered it is in fact one single allowable. But in the you are masking a family, out is still 1 single family insurance deductible whether you are typically covering two or perhaps ten family employees. For another PPO family intend you have consumer deductibles that utilize to each children member AND a brand new family deductible in which it caps the every year deductible amounts to be able to two or 2 times the unique deductibles.
Source: mandrakeinn.com

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November 20, 2013

Advantra Rx NOT Renewing Their Medicare Contract

Posted by:  :  Category: Medicare

one of my customer’s sent me a copy of the letter from AdvantraRX dates October 2. Here is what it says (sorry about typos, i type fast): Dear Mr. Smith, AdvantraRx Preimer by Coventry Life and Health Insurance Company, a stand-alone prescription drug plan with a Medicare Contract, will no longer operate as of January 1, 2011 so your Medicare Prescription drug coverage through AdvantraRx Premiuer will end December 31, 2010. If you want Medicare prescription drug coverage starting January 1, you need to join a new Medicare drug plan by December 31, 2010. Take Action by December 31 to avoid losing drug coverage. If you want Medicare Rx drug coverage after December 31, you need to join another Plan or medicare advantage plan that offers drug coverage. You can join a new medicare drug plan anytime between October 1 and January 31, 2011. However your AdvantraRx Premier coverage ends December 31, so you should join a new medicare drug plan by december 31 to make sure you have drug coverage january 1. If you join a new plan AFTER december 31, your new coverage won’t start until the month after you join. What happens if you don’t join another medicare drug plan? if you don’t join another medicare drug plan by January 31, your next chance to join will be from october 15 through december 7, 2011. You may also have a pay a late-enrollment penalty to join later. The the letter gives a list of a bunch of companies and the 1-800 Medicare number and website. It doesn’t state anything anywhere about automatically enrolling them into another plan if they do nothing. In fact, it states the opposite.
Source: insurance-forums.net

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Illinois’ CMS: “Can’t manage s**t.”

Also, I am pleased to announce that IEA has been working with CMS and has been given 2 dates where CMS reps are available for additional seminars.  We will be sponsoring them and paying for the meeting costs.  Kim Riley, our IEA-Retired Staff person, was busy for 2 days late last week making calls to find sites in the specified areas of the state that meet the requirements for a facility available on the given dates that will hold at least 300 persons.  (It took many calls to find sites in the general area targeted.)  Please add to the schedule:
Source: wordpress.com

Insurance changes for Illinois State Retiree Health Insurance

The following is information regarding recent changes to Illinois State Retiree Health Insurance. These changes only apply to those who are enrolled in Medicare.  If you are affected by this change, you should be receiving a letter from CMS regarding the proposed changes to the SURS health insurance plan this week.  Note: if you are covering a dependent, you must both be enrolled in Medicare for this change to affect you.  If only one of you is enrolled in Medicare, then you will keep your existing coverage and May benefit choice period.
Source: bluestemfa.com

UPDATE: Rates/phone numbers for TRIP insurance coverage

The cut-off age for the enrollment period this fall is set for members turning the age of 65 on or before September 30, 2013. Members who will be 65 on October 1, 2013, or after will be included in the group set to be offered a Medicare Advantage plan during the fall of 2014. These members will remain in their current health plan until January 2015
Source: ieanea.org

Altius Health Plans Altius Advantra Medicare Review

Altius Health Plans offers Medicare health insurance programs for residence of Utah and a county in Wyoming.  Altius Advantra and Altius Advantra Preference are Medicare Advantage HMO plans available in Box Elder, Cache, Daggett, Davis, Duchesne, Morgan, Rich, Salt Lake, Summitt, Tooele, Wasatch, and Weber counties in Utah as well as Uintah county in Wyoming.  Altius Advantra is an HMO-POS plan, and Altius Advantra Preference is a plain HMO only available in Davis, Salt Lake, and Tooele counties.  The coverage does include Part D drug coverage as well as health benefits.  Below is a review of the benefits they offer:
Source: medicare-plans.net

Open Enrollment for Medicare Recipients

There are many commercial insurance “Medicare Advantage Plans” that offer the same coverage as traditional Medicare parts A and B.  These plans take the place of the traditional Medicare coverage. Each major insurance company offers this coverage; however you need to be aware that not all doctors/hospitals accept (participate) with these plans.  Be sure to call you primary care physician and any specialists you see on a regular basis to make sure they will accept your new insurance if you are considering a  switch from traditional Medicare.
Source: ncfamilydoctor.com

Coventry Medicare Advantages In A Nutshell

The last two remaining programs in the Coventry Medicare Plans are the Coventry Advantra-POS and the Coventry Advantra Freedom. The Advantra POS is still basically the same as HMO and PPO plans; they have the same coverage of benefits and a set of network providers.  But, they are given the privilege to see health care providers outside their network.  Of course, this comes with much higher premiums.  For a little more cost, enrollees can have the freedom to choose their own physicians with the Advantra Freedom plan.  CAF is a private-fee-for-service (PFFS) which also includes Part A and B benefits.  Enrollees may consult any physician or specialist they prefer without the need for any referrals, given that the provider accepts the guidelines and resolutions within the PFFS agreement.
Source: medicarebase.com

2014 Medicare Annual Enrollment Period (AEP)

The annual open enrollment period will be from October 15th through December 7th.    This allows anyone eligible for Medicare to enroll for the first time, or switch health or prescription drug plans.
Source: actulife.com

teacher/poet/musician glen brown: MEDICARE ADVANTAGE (UPDATED 11

, Nov. 12, you received an email alert from Teachers’ Retirement System regarding a new Illinois Medicare Advantage program that most TRIP members in Medicare will have to participate in under state law. This message is a clarification of that email. Eligible TRIP members must enroll in the new Medicare Advantage unless they decide voluntarily to drop their participation in TRIP. If you drop TRIP, you will not have to participate in the state’s new Medicare Advantage program. If you decide to end your participation in TRIP, you must complete and sign that section of the Medicare Advantage enrollment form and return the form to TRS. Member Services Division Teachers’ Retirement System of the State of Illinois
Source: blogspot.com

Pennsylvania Health Insurance

HealthAmerica’s Commercial and Medicare Advantage Plans Among Tops in Nation for Quality and Service on U.S.News & World Report/NCQA “America’s Best Health Plans 2008-09″ List Harrisburg and Pittsburgh, Pa. – November 10, 2008 — HealthAmerica’s HMO, POS, and Medicare Advantage plans were ranked among the nation’s top 20 best commercial and Medicare health plans according to a joint ranking by U.S.News & World Report and the National Committee for Quality Assurance (NCQA). Nationally, HealthAmerica was ranked 12th among 287 commercial plans; HealthAmerica’s Medicare Advantage plan, Advantra, ranked 18th among 216 plans nationally. HealthAmerica and HealthAmerica Advantra have ranked as one of the top 50 best health plans in the U.S. News/NCQA “Americaýs Best Health Plans” list* every year since 2005. “We are honored to be recognized among the best health plans in the nation,” said Kirk E. Rothrock, president and chief executive officer of HealthAmerica. “We are dedicated to providing the best possible quality and service, so we are pleased to see our efforts recognized by NCQA, U.S. News and World Report, and, most importantly, by our members and our customers.” The National Committee for Quality Assurance and U.S.News and World Report collaborated to rank the nationýs best commercial, Medicare, and Medicaid health plans. The ranking appears in the November 17 issue of U.S.News and on its website www.usnews .com/healthplans HealthAmerica”s and Advantra”s rankings are based on their Healthcare Effectiveness Data and Information Set (HEDISý)** 2008 scores and the results of a Consumer Assessment of Healthcare and Provider Systems (CAHPS) survey of members. HEDIS is a set of standardized performance measures covering effectiveness of care, preventive care, treatment, and customer satisfaction. CAHPS is a standardized survey in which members rate the quality of care and service that they receive from doctors, specialists, office staffs, and insurers. In these ratings, HealthAmerica’s commercial health plans were rated higher than the national average in all 15 key measures of medical services and member satisfaction and higher than the Pennsylvania state average in 12 of the 15 key measures***. HealthAmerica’s HMO, POS, and Medicare Advantage plans’ status of “Excellent” from NCQA was also a factor in determining the U.S. News/NCQA “America’s Best Health Plans 2008″ ranking**** The U.S.News/NCQA “Americaýs Best Health Plans 2008″ list is drawn from measures of prevention, treatment, and customer experience. These measures are compiled in NCQA”s Quality Compass 2008*****, which publicly reports comparative results of more than 400 commercial health plans covering 85 million Americans. Health plans throughout the country were evaluated on issues such as access to care, prevention efforts, treatment of diseases such as diabetes and heart disease, and members were surveyed on their satisfaction to calculate an overall quality score. * “America’s Best Health Plans” is a trademark of U.S. News & World Report. **HEDIS is a registered trademark of the National Committee for Quality Assurance (NCQA). ***The source for this data is Quality Compass 2008 and is used with the permission of the National Committee for Quality Assurance (NCQA). Quality Compass is a registered trademark of NCQA. NCQA is a private, non-profit organization dedicated to improving health care quality. The 12 measures are: Child immunization (combo II), well child visits 3 to 6 years, colorectal cancer screening, prenatal care, first-trimester postpartum care, cervical cancer screening, breast cancer screening, diabetes-lipid profile (screen), controlling hypertension, cholesterol screening for patients with cardiovascular conditions, rating of all health care, rating of health plan. ****National Committee for Quality Assurance accreditation outcomes are: Excellent, Commendable, Accredited, and Denied. Applies to HMO and POS plans. *****Quality Compass is a registered trademark of NCQA. NCQA is a private, non-profit organization dedicated to improving health care quality. About HealthAmerica For over 33 years, HealthAmerica has provided health benefit solutions to employers across Pennsylvania. HealthAmerica offers a broad range of traditional and consumer-directed health insurance products, including managed care, HSAs, self-funded, Medicare, indemnity, nongroup and pharmacy plans. Serving 12,000 businesses and over 660,000 members as of December 31, 2007, in Pennsylvania and Ohio, HealthAmerica offers progressive medical management, innovative wellness programs, and statewide and national provider networks. HealthAmerica is ranked as one of “Americaýs Best Health Plans, 2006″ by U.S. News & World Report; its HMO and POS products have an “Excellent” accreditation by the National Committee for Quality Assurance. HealthAmerica has corporate offices in Pittsburgh and Harrisburg, Pennsylvania, and employs over 2,200 people in the commonwealth.
Source: blogspot.com

Medicare Targets Health Plans With Low Ratings

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

HealthAmerica ranked top 20 by U.S. News & World Report

HealthAmerica provides its members with a greater combination of health benefits and services for their money suitable to their needs and wants. They offer more health benefits, like coverage for most preventive health services, including periodic checkups, coverage for hospital and surgical care, emergency care worldwide, and chiropractic services. They offer access to over 35,000 providers in Pennsylvania and Ohio and more than 350 hospitals.  As a member, you are also entitled to the WellBeing program. This program offers free wellness programs and discounts on a wide range of products and services such as:
Source: healthplanone.com

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