No Change in Medicare Part B Drug Payments for 2014

Posted by:  :  Category: Medicare

December 4, 2013—Medicare Part B next year will continue paying hospitals for the acquisition and overhead costs of specified high-cost outpatient drugs at the same rate as in 2013, the Centers for Medicare and Medicaid Services (CMS) has decided.
Source: drugdiscountmonitor.com

Video: Parts A & B — Alphabet Soup

Medicare Part B Premium in 2014: Premium, Deductible, and Other Costs

Additionally, income-related monthly rates for Medicare Part B premiums in 2014 will remain the same as they were in 2013. The government requires some people to pay a higher Part B premium based on their income. If your modified adjusted gross income, as reported on your IRS tax return from 2012, is above a certain amount, you may have to pay a higher Medicare Part B premium in 2014. The government has stated that this affects less than five percent of individuals enrolled in Medicare. To learn more about Medicare Part B premiums in 2014 for higher-income beneficiaries, visit this Social Security publication.
Source: planprescriber.com

Centers for Medicare & Medicaid show ACA savings

Under the discount program in the ACA, in 2010, anyone with a Medicare prescription drug plan who reached the prescription drug donut hole got a $250 rebate. In 2011, beneficiaries who landed in the donut hole began receiving discounts on covered brand-name drugs and savings on generic drugs. Next year, Medicare Part D participants who fall into the donut hole will receive savings of about 53 percent on the cost of brand name drugs and 28 percent on the cost of generic drugs. These savings and Medicare coverage will gradually increase until 2020, when the coverage gap will be closed.
Source: csbj.com

FEHB and Medicare: Is Medicare Part B Coverage Mandatory for Retirees?

Some beneficiaries eligible for both FEHB and Medicare may wonder if they should enroll in Medicare Part B if they already have FEHB coverage. The short answer is no, it is not required for a Medicare beneficiary to enroll in Part B if they do not wish to have this coverage. However, there could be advantages to keeping your FEHB plan while also enrolling in Medicare Part B. Having both could reduce your out-of-pocket costs by ensuring that you are covered for all doctor’s services and preventive care that you could need. Because the FEHB program offers a variety of different plans, it is recommended that you check with the FEHB office to see if Part B coverage is right for your plan.
Source: ehealthmedicare.com

Medicare Part B Premium Costs Will Hold Steady in 2014

USA Today: Medicare Part B Premiums Won’t Go Up In 2014 The premiums for Medicare Part B will remain flat in 2014 and seniors have saved $8.3 billion on Part D prescriptions since the Affordable Care Act was enacted in 2010, the Department of Health and Human Services announced Monday. Medicare Part B covers medically necessary services, as well as preventive services (Kennedy, 10/28).
Source: kaiserhealthnews.org

2014 changes to Social Security and Medicare

First and foremost, you’ll receive a 1.5% cost-of-living adjustment (COLA) in 2014. While just slightly less than 2013’s 1.7% increase, it’s an increase nonetheless. Also of benefit, if you’re still working, earning exemption thresholds have increased slightly, so you’ll benefit from being able to pocket some additional income:
Source: merceradvisors.com

The resource cannot be found.

Description: HTTP 404. The resource you are looking for (or one of its dependencies) could have been removed, had its name changed, or is temporarily unavailable.  Please review the following URL and make sure that it is spelled correctly. Requested URL: /404.aspx
Source: federaldaily.com

Congressman Johnson Introduces Common

“Americans should have the right to choose a healthcare plan that fits their needs, rather than be tied to a government-run system that doesn’t meet their unique medical requirements. American seniors should have the choice to decide what plan works best for their family. Medicare also desperately needs to be reformed in order to ensure this program is viable for current and future generations. This bill takes off some of the budgetary pressure from Medicare to help ensure its long-term sustainability for all seniors,” said Congressman Perry.
Source: texasgopvote.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

Medicare Part B Premium 2014

But Koko Mackin, the company’s vice president of corporate communications, has repudiated the message. "It contains incorrect information received by an employee who redistributed it to six others," he told reporters. "We have a longstanding policy against distributing chain emails like this, and actions have been taken to reinforce this policy. We apologize for any confusion or concern this email may have caused."
Source: aarp.org

CBO: Medicare Eligibility Age To 67 Saves Little

Posted by:  :  Category: Medicare

“For most of those workers, employment-based health insurance is the primary source of coverage, and Medicare is a secondary payer — meaning that Medicare’s payments are limited to the cost-sharing obligations that beneficiaries face under their employment-based health insurance policies,” the CBO wrote in its analysis. 
Source: businessinsider.com

Video: Medicare Eligibility And Enrollment

CBO Updates Estimate of the Budgetary Effects of Increasing the Medicare Eligibility Age to 67

On October 24, 2013, the Congressional Budget Office (CBO) released its report, Raising the Age of Eligibility for Medicare to 67: An Updated Estimate of the Budgetary Effects.  The report updates the CBO’s earlier estimate of the potential impact of changing Medicare’s eligibility age from 65 to 67.  In the report, the CBO analyzes the policy option of raising the Medicare eligibility age by two months every year, starting with individuals born in 1951 (who turn 65 in 2016) and continuing until the eligibility age reaches 67 for individuals born in 1962 (who turn 67 in 2029).  The new estimate of the net budgetary savings related to increasing Medicare’s eligibility age is significantly lower than its earlier estimates.
Source: gabrielroeder.com

Ask The Experts: Retirement

A. Generally, you are eligible for Medicare at age 65 if your spouse worked for at least 10 years in Medicare-covered employment, which he must have because he’s already covered by Part A. To be sure that you qualify, call the Social Security Administration at 1-800-772-1213 and talk to one of their benefits specialists.
Source: federaltimes.com

Medicare eligibility at 67 will save less than thought: CBO

The CBO based its analysis on a seven-year phase-in of the higher eligibility age, similar to how the age for receiving Social Security benefits has been changed. It concluded that Medicare expenditures would decrease by $23 billion over the period, while revenues would drop by $4 billion. The difference, $19 billion, was the net savings it expected.
Source: benefitspro.com

Raising the Medicare Eligibility Age Will Hurt Many, Help Nobody

But many more seniors will lose coverage altogether, according to the Center for Budget and Policy Priorities, because while their incomes make them ineligible for Medicaid or subsidies, health insurance companies will consider them to be extremely expensive. “Because exchange plans could charge the oldest workers three times as much as the youngest, unsubsidized premiums could reach $10,000 to $12,000 (in 2014 terms) for 65- and 66-year-old individuals and twice that for couples.” Even if every state implemented ACA completely, that’s about 200,000 more uninsured seniors, according to Matt Stoller of the Roosevelt Institute.
Source: workingamerica.org

Medicare and Obamacare: Changes, misconceptions, and differences

Christina Crain, program director for the Southwestern Connecticut Agency on Aging (SWCAA) spoke to about 20 people at the Weston Public Library on Saturday, Nov. 23, at a forum sponsored by the League of Women Voters of Weston. A second speaker, Kathy Null with AARP Connecticut, was unable at the last minute to attend, but Linda Yannone, a trained and certified assister through the federally funded Navigator and Assister Outreach Program, was on hand to answer questions and offer information.
Source: thewestonforum.com

New CBO Report Shows Raising Medicare Eligibility Age Yields Little Savings

A critical concern for pilots is that federal law mandates that a commercial pilot retire no later than the age of 65. Therefore increasing the Medicare eligibility age beyond age 65 will cause a health care coverage gap and unfair economic harm to commercial pilots.  Our recent experience shows that employers are not, in any way, “jumping in” to cover pre-Medicare (or post-Medicare) retiree health care coverage gaps upon separation of employment. In fact, the trend in this area has been for employers to increasingly “walk away” from providing any post-employment health care protection. Simply increasing the Medicare eligibility age could cost a retired  pilot tens of thousands of dollars in premiums for the period from his federally mandated retirement at age 65 until he becomes eligible for Medicare, even assuming adequate coverage could be found. 
Source: pilotpartisan.com

Why hiking the age for Medicare eligibility wouldn’t save much

Entitlement reform is always a sticking point in Washington. Although there is a contingent of Americans from both sides of the political spectrum who support some type of tweaking of entitlements, many democrats are afraid to even utter the phrase just as Republicans won’t contemplate raising taxes. Hiking the age for Medicare eligibility is one of the measures often floated. And, seeing as Americans are living and working longer, it seems to be logical. However, the Congressional Budget Office recently said it would not make that big of a difference. 
Source: lifehealthpro.com

ASU researchers: Medicare reform should begin by raising eligibility age

“In the nearly 50 years since Medicare was created, we’ve seen major breakthroughs in health care," they state. "Young leukemia victims now have the opportunity to live out their lives. A heart attack is no longer certain death. Ongoing medical innovation insures longer, healthier lives. Now policymakers need to dissect the Medicare program and give it a sustainable life.”  
Source: asu.edu

Progressives to Obama: Don't even think about raising the Medicare eligibility age

“Raising the age of eligibility, the legal retirement age, sounds like a good idea if what you do for a living is talk and write, mostly while sitting in comfortable chairs in climate-controlled buildings,” Nichols observed. “But if what you do for a living is pick up and move heavy things, or spend eight to ten hours a day on your feet without interruption bringing food and clearing tables, or waiting on retail customers, or doing one physical thing over and over on an assembly line, then being required to do that for two or five or 10 more years before you can join Medicare is fairly cruel.”
Source: msnbc.com

Medicare Coverage: Does Medicare Cover Nursing Home Care?

Posted by:  :  Category: Medicare

If you cannot cover a nursing home stay with out-of-pocket funds, check to see if you qualify for Medicaid. That program (separate from Medicare) can help you cover an extended visit. Otherwise there are long-term insurance plans that you may be able to purchase to assist with nursing home costs. These plans are sold through private insurance providers so you should expect policy costs and coverage details to vary depending on the plan. PlanPrescriber always recommends that you shop around when looking to enroll in any plan. Exploring all of your available options is important so that you find the plan that works best for you in terms of both cost and coverage.
Source: planprescriber.com

Video: Top 10 Medicare Insurance Tips

Daily Kos: Bereft of real ideas, GOP resorts to same old Medicare lie

The $717 billion is money saved in the Medicare program by reducing federal payments to insurance companies, hospitals and other providers, not by cutting benefits. It is counter intuitive that reducing spending by $717 billion does not reduce healthcare goods and services to seniors.  While the benefits seniors are to receive in law and regulations may not have changed, how does this significant change in spending not result in real adverse changes for seniors?  Just saying “savings” from reduced payments to insurance companies, doctors and hospitals is not enough. That explanation is essentially, we will cut Medicare healthcare spending by decreasing payments to those who provide healthcare to seniors – which tells us nothing.  How do these lower payments still result in the same care?
Source: dailykos.com

Medicare and Obamacare: Changes, misconceptions, and differences

Christina Crain, program director for the Southwestern Connecticut Agency on Aging (SWCAA) spoke to about 20 people at the Weston Public Library on Saturday, Nov. 23, at a forum sponsored by the League of Women Voters of Weston. A second speaker, Kathy Null with AARP Connecticut, was unable at the last minute to attend, but Linda Yannone, a trained and certified assister through the federally funded Navigator and Assister Outreach Program, was on hand to answer questions and offer information.
Source: thewestonforum.com

JABA Offers Help to Seniors Changing Medicare Coverage

“We are going to be in here on Saturday from 9 a.m. to 1 p.m. seeing clients and all of next week as well. We are taking appointments you can call and make appointments or if you have trouble getting through, just come on in,” said Judith Robinson of JABA.
Source: nbc29.com

Carriers slam Medicare Advantage moves

“The impact of the MA funding cuts is likely to continue to grow in 2015 and beyond.  The continued phase-in of the ACA reductions, in combination with the end of the Quality Bonus Demonstration Project and the other cuts cited above, means it is imperative that MA plans be provided with the flexibility to implement delivery system reforms that have the potential to promote quality and efficiency and will allow them to continue their efforts to demonstrate improved Star Ratings,” the letter said.  
Source: benefitspro.com

Medicare open enrollment period ends Saturday, Dec 7, 2013

Unlike other years, this year you will also hear a lot about the Affordable Care Act’s Health Insurance Marketplace which opened October 1, 2013. The Marketplace Open Enrollment period which runs through March 31, 2014, and overlaps with the Medicare Open Enrollment period. The Health Insurance Marketplace is designed to help people who don’t have any health coverage. If you have health coverage through Medicare, the Health Insurance Marketplace will not have any effect on your Medicare coverage.
Source: copd-international.com

Medicare Open Enrollment FAQ

A: If you’re enrolled in Medicare, you’re not eligible for the tax credits that some people qualify for on the marketplaces, but you already get a substantial break on costs. The overall costs of care under Medicare Part B, which pays doctors’ visits, and Part D, the prescription drug benefit, are subsidized 75 percent from federal general revenues. Plus, if you’re a Medicare beneficiary with limited resources and income, you may qualify for low-cost Part D drug coverage under the Extra Help program. Go to www.ssa.gov, call 800-772-1213 or visit your local Social Security office.
Source: aarp.org

APPRISE counsels seniors on Medicare options

“It’s an opportunity for citizens to look at their healthcare needs and look at their current coverage and perhaps what they’re paying for that coverage and determine if they need to make a change,” Duke says.  An example would be if a person has a chronic disease, it may advance as they age and they may have a change in mediation or change in regimen of care.  He says:
Source: transforminghealth.org

Did Medicare Part D have the same rollout problems as the Obamacare online marketplaces?

Posted by:  :  Category: Medicare

Once seniors began to enroll, problems persisted. According to the report, the online tools had "accuracy problems," and local organizations designated with assisting seniors "reported problems getting necessary and accurate information." Call centers provided by the Center for Medicare and Medicaid Services underestimated "the needed capacity to ensure that reliable answers could be provided" and "service representatives were not knowledgeable or failed to provide accurate information."
Source: politifact.com

Video: Medicare Part D

Obamacare vs. Medicare Part D: Comparing Two Health Care Reforms

But fiscal responsibility is not easy. To offset the law’s new spending—and, by the way, to reduce health care spending overall—the Affordable Care Act raises revenue and cuts spending. Among other things, the law reduces Medicare spending, caps the existing tax break for employer health insurance, and raises payroll taxes on the wealthy. It also calls upon individuals to spend some of their own money on insurance, even if that means requiring them to buy coverage they might not otherwise get. And for each of these changes, there’s a constituency bound to get angry about it. Seniors and parts of the health care industry don’t like Medicare cuts. People with more generous health plans don’t like losing some of their tax benefits. Wealthy people don’t like paying taxes. Healthy people don’t like paying more for their coverage.
Source: newrepublic.com

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

Medicare Part D: A First Look at Plan Offerings in 2014

In contrast to the program’s first years, a growing number of PDPs are using preferred pharmacy networks, whereby enrollees pay lower cost sharing for their prescriptions when they use preferred pharmacies (although cost-sharing differences vary considerably across the plans).  This trend has gained prominence in recent years with the market entry of co-branded PDPs featuring relationships with specific pharmacy chains, such as the Humana Walmart-Preferred Rx PDP (new in 2011) and the Aetna CVS/Pharmacy PDP (new in 2012).  In 2006, there were some co-branding relationships between PDPs and pharmacy chains, but in general they were not accompanied by lower cost sharing at the pharmacy chains.  About 72 percent of all PDPs in 2014 will have a preferred pharmacy network with lower cost-sharing levels when prescriptions are filled at preferred pharmacies.  For example, in the AARP Medicare Rx Saver Plus PDP, the copayment for a preferred brand drug will be $20 in a preferred pharmacy and $30 in another network pharmacy.  Copayments in the new Humana Walmart Rx Plan at a preferred pharmacy will be $1 for drugs on the preferred generic tier and $4 for drugs on the non-preferred generic tier, compared to $10 and $33, respectively, at other network pharmacies.
Source: kff.org

Physician Office Medicare Part D Reimbursement for Vaccines

With the TransactRx Part D Vaccine Manager, your practice can determine Part D eligibility in seconds by entering a patient’s name, date of birth, and the last four digits of their Social Security Number. You can also find out how much a patient has to pay for a specific vaccine and how much your practice would be reimbursed. Once a vaccine has been administered, you can send the Part D claim in real-time to the patient’s PBM with just one click. You can also verify the claim’s acceptance and check the status of payments on outstanding vaccine claims. Plus, the billing and coding rules built-in to our vaccine billing system allow physicians to submit accurately coded claims without any special training.
Source: transactrx.com

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

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

Obamacare vs. Medicare Part D

The federal exchange system, meanwhile, was taken offline for repairs twice over the weekend, and again last night. The users who have already created accounts are also being told they have to reset their passwords. And even today, administration officials are still refusing to provide an estimate about when the system might be glitch-free. Health and Human Services Secretary Kathleen Sebelius claims she doesn’t even know how many people have signed up in the federal exchange system—even though California, Washington state, Maryland, New York, and Kentucky have all released application data. It’s not clear exactly what’s wrong with the federal exchange system, but it’s hard to trust the administration’s assurances that it has the problem under control. 
Source: reason.com

Ask the pharmacist: Expert advice for navigating Medicare Part D enrollment

* Know the basics: You are eligible for Medicare Part D when you turn 65. Enrollment begins on Oct. 15, 2013, and ends on Dec. 7, 2013. If you miss this deadline, you won’t be able to enroll again until fall of 2014, unless you qualify for a special election period. If you’re eligible (age 65), and neglect to enroll in Medicare Part D on time, you will be faced with a penalty when you do join the program.
Source: diggernews.com

UnitedHealthcare Dropping Hundreds Of Doctors From Medicare Advantage Plans

Posted by:  :  Category: Medicare

Flickr

‘+msg+’

‘;d.body.style.margin=’0′;d.body.innerHTML=html;}}},200);} function get_frame_depth(){var win=self,frame_depth=0;while(win!==win.parent){frame_depth+=1;win=win.parent;} return frame_depth;} function debug(){if(is_debug){console.log(arguments);}} if(self_is_flickr&&self_loc===top_loc){}else if(self_is_offline){}else if(!self_is_flickr&&!self_whitelist_regex.test(self_loc)){should_wipe=true;}else if(bust_image_search&&photo_id&&referrer_is_image_search){should_bust=true;}else if(referrer&&!referrer_is_whitelisted&&get_frame_depth()>0){should_wipe=true;}else if(!referrer_is_flickr&&get_frame_depth()>1){should_wipe=true;} if(is_debug){debug({self_is_flickr:self_is_flickr,top_loc:top_loc,self_loc:self_loc,referrer:referrer,self_is_offline:self_is_offline,self_is_flickr:self_is_flickr,self_url:self_url,photo_page_re_result:photo_page_re_result,photo_id:photo_id,referrer_is_flickr:referrer_is_flickr,referrer_is_whitelisted:referrer_is_whitelisted,referrer_is_image_search:referrer_is_image_search,self_is_whitelisted:self_whitelist_regex.test(self_loc),frame_depth:get_frame_depth(),faq_url:faq_url,redir_url:redir_url,should_bust:should_bust,should_wipe:should_wipe,base:base});}else{if(should_bust){setTimeout(function(){w.onbeforeunload=w.onunload=null;redirect();},1000);setTimeout(wipe,2000);redirect();}else if(should_wipe){wipe();}else if(referrer_is_whitelisted&&!referrer_is_flickr){base=document.createElement(‘base’);base.target=’_top';document.getElementsByTagName(‘head’)[0].appendChild(base);}}

}(‘We’re sorry, Flickr doesn’t allow embedding within frames.

If you’d like to view this content, please click here.’, ‘http://www.flickr.com’, true, false));

(function(F){var el,w,d,n,ua,ae,is_away_from_tab,de,disabled=false,assigned_events=false;w=window;d=w.document;n=w.navigator;ua=n&&n.userAgent;var supportsActiveElt=false;if(‘activeElement’in document){supportsActiveElt=true;} function doF(e,me){if(is_away_from_tab&&e.target===w){is_away_from_tab=false;}else{el=e.target||me;}} function doB(e){if(el!==w&&e.target===w){is_away_from_tab=true;}else{el=undefined;}} function get(){var nt,in_doc;if(supportsActiveElt){el=document.activeElement;}else if(el&&(nt=el.nodeType)){if(d.contains){if((ua&&ua.match(/Opera[s/]([^s]*)/))||nt===1){in_doc=d.contains(el);}else{while(el){if(d===el){in_doc=true;} el=el.parentNode;}}}else if(d.compareDocumentPosition){if(d===el||!!(d.compareDocumentPosition(el)&16)){in_doc=true;}}else{var myEl=el;while(myEl){if(d===myEl){in_doc=true;} myEl=myEl.parentNode;}}} return in_doc?el:undefined;} function isInput(){var n=get(),nn;if(!n){return false;} nn=n.nodeName.toLowerCase();return(nn===’input’||nn===’textarea’);} function instrumentInputs(){if(!assigned_events){var i,me,inputs=document.getElementsByTagName(‘input’),tas=document.getElementsByTagName(‘textarea’),nInputs=inputs.length,nTextAreas=tas.length;if(nInputs||nTextAreas){for(i=0;i



Medicare officials review the private plans every year to make sure they comply with network adequacy and other requirements, but the agency did not approve the reconfigured networks resulting from the new provider cancelations. Spokesman Raymond Thorn said the agency “is currently reviewing UHC and other plans’ provider networks and closely monitoring all areas that have experienced disruptions to ensure that beneficiaries have full, transparent and timely information and access to needed care.”
Source: kaiserhealthnews.org

Video: Medicare Overview

AMA: Repeal the flawed Medicare payment formula

The AMA has pledged to do our part to work collaboratively to maintain congressional momentum and continue to seize every opportunity to improve the framework of the draft repeal proposal. The AMA House of Delegates, the broadest forum of physicians, residents and medical students, met recently outside Washington, D.C. and again demonstrated its unique ability to bring together voices from all corners of the profession to create a national physician consensus on the most pressing health care issues facing the nation. At the top of the agenda was repeal of Medicare’s failed SGR formula. The physician prescription for Medicare payment reform that emerged from this meeting was adopted without a dissenting vote and reaffirmed the AMA’s commitment to an improved Medicare program.
Source: kevinmd.com

Daily Kos: Bereft of real ideas, GOP resorts to same old Medicare lie

The $717 billion is money saved in the Medicare program by reducing federal payments to insurance companies, hospitals and other providers, not by cutting benefits. It is counter intuitive that reducing spending by $717 billion does not reduce healthcare goods and services to seniors.  While the benefits seniors are to receive in law and regulations may not have changed, how does this significant change in spending not result in real adverse changes for seniors?  Just saying “savings” from reduced payments to insurance companies, doctors and hospitals is not enough. That explanation is essentially, we will cut Medicare healthcare spending by decreasing payments to those who provide healthcare to seniors – which tells us nothing.  How do these lower payments still result in the same care?
Source: dailykos.com

Medicare Advantage 2014 Spotlight: Plan Availability and Premiums

While many organizations offer Medicare Advantage plans, a few – particularly Humana, United Healthcare, and the Blue Cross and Blue Shield (BCBS) affiliates – have particularly large geographic spread and these organizations historically account for a disproportionate share of enrollment. In 2014, 44 percent of available plans are being offered by one of these three firms or affiliates (Table A4).  Plans offered by these firms are available to most beneficiaries.  Nationwide, 83 percent of Medicare beneficiaries will have access to one or more Humana plans, 73 percent will have access to a BCBS affiliated plan (including BCBS plans offered by Wellpoint), and 68 percent will have access to a United Healthcare plan (Exhibit 5; Table A5).  The general availability of these firms’ products has not noticeably changed from 2013 to 2014.  However, the similarities in BCBS offerings from 2013 to 2014 obscure a decline in availability of BCBS branded Wellpoint plans (declining from 88 plans to 55 plans between 2013 and 2014), which is mostly offset by the growth in plans offered by other BCBS affiliates (growing from 205 plans to 233 plans between 2013 and 2014).
Source: kff.org

Carriers slam Medicare Advantage moves

“The impact of the MA funding cuts is likely to continue to grow in 2015 and beyond.  The continued phase-in of the ACA reductions, in combination with the end of the Quality Bonus Demonstration Project and the other cuts cited above, means it is imperative that MA plans be provided with the flexibility to implement delivery system reforms that have the potential to promote quality and efficiency and will allow them to continue their efforts to demonstrate improved Star Ratings,” the letter said.  
Source: benefitspro.com

Obamacare raids $300 billion from Medicare Advantage

“There was a promise made to seniors as well. The promise was that we’re going to use your Medicare dollars as a piggy bank to fund the Affordable Care Act, and in doing that we’ll improve Medicare and allow seniors to keep their doctors if they liked. So, do you have an opinion as to whether or not this is another broken promise?” subcommittee vice chairman Rep. Michael Burgess said in a statement.
Source: lauraingraham.com

Centers for Medicare & Medicaid show ACA savings

Under the discount program in the ACA, in 2010, anyone with a Medicare prescription drug plan who reached the prescription drug donut hole got a $250 rebate. In 2011, beneficiaries who landed in the donut hole began receiving discounts on covered brand-name drugs and savings on generic drugs. Next year, Medicare Part D participants who fall into the donut hole will receive savings of about 53 percent on the cost of brand name drugs and 28 percent on the cost of generic drugs. These savings and Medicare coverage will gradually increase until 2020, when the coverage gap will be closed.
Source: csbj.com

Washington state to try dual Medicaid

Jane Beyer, assistant secretary for Behavioral Health and Service Integration in the state Department of Social and Health Services, said she expects the program to “reduce health disparities and better fit care with client needs, especially for people with complex-care needs.”
Source: seattletimes.com

DENVER: Health changes to strain Colorado dentist shortage

Posted by:  :  Category: Medicare

The Herald is pleased to provide this opportunity to share information, experiences and observations about what’s in the news. Some of the comments may be reprinted elsewhere in the site or in the newspaper. We encourage lively, open debate on the issues of the day, and ask that you refrain from profanity, hate speech, personal comments and remarks that are off point. Thank you for taking the time to offer your thoughts.
Source: heraldonline.com

Video: Canvas Adult Day Care Licensure and Certification Requirements Colorado Mobile App

Will Healthcare.gov Troubles Slow Medicaid Expansion Too?

The Associated Press: Food Stamp Outreach Raises Illinois Medicaid Enrollment Although only a few hundred middle-class Illinois residents were able to sign up for health insurance last month on the crippled federal HealthCare.gov website, the poor appear to be having an easier time enrolling in an expansion of Medicaid — and are doing so by the thousands. Illinois is among states expanding Medicaid under President Barack Obama’s health care law. It’s the state, not the federal government, that’s overseeing efforts to enroll new clients, and state officials have come up with some effective ways to do it — especially for people already getting food stamps (11/11).
Source: kaiserhealthnews.org

Colorado Community Health Centers Help State Prosper

Many Colorado CHCs are major employers in rural areas and important providers of entry-level and professional health care jobs across the state. They directly employ 3,621 people and purchase goods and services from local businesses.  Additionally, recent building and remodeling projects have acted as a catalyst for economic revitalization, according to new research produced for CCHN by Capital Link, a national firm that collects and provides financial data and metrics for health centers.
Source: mountainfamily.org

What Would You Do If Your Kid Was Disabled, Dependent on Medicaid and in Trouble?

Why were her hours cut so drastically? The Colorado Department of Health Care Policy and Financing (HCPF) replaced subjective evaluation methods for determining hours with a new, standardized “Pediatric Home Assessment Tool.” The new evaluation takes the form of a questionnaire about the specific needs of a child and the ability of the family to meet those needs. It clearly defines the responsibilities of a parent or adult in the household, as compared to a those of a CNA or nurse. Families get points for each response, and at-home nursing hours are then based on total points. Because of this new method, many families face a reduction in paid hours that will affect their abilities to provide their children with proper care.
Source: genprogress.org

Daily Kos: Meanwhile, Medicaid enrollments continue to boom

Well, Alex, depends on what taxes you are talking about.  Everybody who works will pay social security taxes (contributions), virtually everyone pays state sales taxes, and federal taxes on their cellphones (unless they get a free government phone), BUT almost half the working population pays no income tax.  As reported many times this year, half the population pays for the other half.  But I think Medicaid is cost efficient.  Though I think it or Medicare could be a model for a full universal system, I still like my full government health care (military and VA), though the two single payer systems (Tricare and Medicare) I use are much better than private insurance.  Medicare requires a contribution (modest) I believe Medicaid depends on what state.  Some states charge a co-pay; for other recipients, it’s completey free.
Source: dailykos.com

Medicaid to delay payments to Colorado Assisted Living Providers

The current recession is having a severe impact on Medicaid Assisted Living Residences in Colorado. Long term care services, which comprise a significant portion of the Medicare and Medicaid budget, are provided to older persons and those with disabilities. Currently, long-term care provided in institutional settings (i.e. nursing homes) is a mandatory benefit under Medicaid, while community based services (such as assisted living) are not a mandated benefit. While there is no statutory limit on the number of people who may receive care in the institutional setting under Medicaid, states such as Colorado have optioned for providing community-based services through waivers. Given the current pressure on state budgets, optional programs ? such as community-based services ? are in a precarious position without regard to the additional costs. Our Medicaid residents consider our ALR their home. We have 40% of our population that have been here for 20 years or more. We must fight to keep them in their homes. We have had four payment decreases in the past 18 months yet inflation continues. With the increasing costs including higher operating expenses (food, utilities, repairs, etc), we have cut expenses in other areas such as no salary increases for employees for the past 18 months, no major repairs, and less expensive activities . Our employees are all long term and work extremely hard and we are concerned as are they. Our employees may have to find other employment necessitating new hires without the experience or resident knowledge thereby decreasing the high level of resident care that we now can provide. Medicaid spending generates economic activity including jobs, income and state tax revenues at the state level. Furthermore, Medicaid generates income within the health care sector and throughout other sectors of the economy due to the multiplier effect. Studies consistently show a positive correlation between Medicaid spending and state economies, depending on the level of state Medicaid spending, the state?s matching rate (FMAP), and the economic conditions in a state. Accordingly, reductions in this spending will lead to declines in federal Medicaid dollars, decreases in the flow of dollars to health care providers, and declining activity within state economies. Maggie Sparks Monarch Manor Assisted Living
Source: coloradoassistedlivingassociation.org

Colorado’s Medicaid Mental Health Program Reduces Cost While Increasing Access to Services and Maintaining Quality of Care

A recent report by the Altarum Institute, a nonprofit research institution based in Ann Arbor, Michigan, examined the impact of the Medicaid managed mental health care carve-out model in Colorado. Comprehensive mental health services have been provided to Coloradans with Medicaid through a statewide managed care program for over 15 years. The program is managed by five Behavioral Health Organizations (BHOs) who contract with the Colorado Department of Health Care Policy and Financing (HCPF) to arrange for the provision of mental health services to members in their defined geographic areas of the state. 
Source: mentalhealthcarereform.org

The Cost of Minnesota’s Average Medigap Plan

Posted by:  :  Category: Medicare

Flickr

‘+msg+’

‘;d.body.style.margin=’0′;d.body.innerHTML=html;}}},200);} function get_frame_depth(){var win=self,frame_depth=0;while(win!==win.parent){frame_depth+=1;win=win.parent;} return frame_depth;} function debug(){if(is_debug){console.log(arguments);}} if(self_is_flickr&&self_loc===top_loc){}else if(self_is_offline){}else if(!self_is_flickr&&!self_whitelist_regex.test(self_loc)){should_wipe=true;}else if(bust_image_search&&photo_id&&referrer_is_image_search){should_bust=true;}else if(referrer&&!referrer_is_whitelisted&&get_frame_depth()>0){should_wipe=true;}else if(!referrer_is_flickr&&get_frame_depth()>1){should_wipe=true;} if(is_debug){debug({self_is_flickr:self_is_flickr,top_loc:top_loc,self_loc:self_loc,referrer:referrer,self_is_offline:self_is_offline,self_is_flickr:self_is_flickr,self_url:self_url,photo_page_re_result:photo_page_re_result,photo_id:photo_id,referrer_is_flickr:referrer_is_flickr,referrer_is_whitelisted:referrer_is_whitelisted,referrer_is_image_search:referrer_is_image_search,self_is_whitelisted:self_whitelist_regex.test(self_loc),frame_depth:get_frame_depth(),faq_url:faq_url,redir_url:redir_url,should_bust:should_bust,should_wipe:should_wipe,base:base});}else{if(should_bust){setTimeout(function(){w.onbeforeunload=w.onunload=null;redirect();},1000);setTimeout(wipe,2000);redirect();}else if(should_wipe){wipe();}else if(referrer_is_whitelisted&&!referrer_is_flickr){base=document.createElement(‘base’);base.target=’_top';document.getElementsByTagName(‘head’)[0].appendChild(base);}}

}(‘We’re sorry, Flickr doesn’t allow embedding within frames.

If you’d like to view this content, please click here.’, ‘http://www.flickr.com’, true, false));

(function(F){var el,w,d,n,ua,ae,is_away_from_tab,de,disabled=false,assigned_events=false;w=window;d=w.document;n=w.navigator;ua=n&&n.userAgent;var supportsActiveElt=false;if(‘activeElement’in document){supportsActiveElt=true;} function doF(e,me){if(is_away_from_tab&&e.target===w){is_away_from_tab=false;}else{el=e.target||me;}} function doB(e){if(el!==w&&e.target===w){is_away_from_tab=true;}else{el=undefined;}} function get(){var nt,in_doc;if(supportsActiveElt){el=document.activeElement;}else if(el&&(nt=el.nodeType)){if(d.contains){if((ua&&ua.match(/Opera[s/]([^s]*)/))||nt===1){in_doc=d.contains(el);}else{while(el){if(d===el){in_doc=true;} el=el.parentNode;}}}else if(d.compareDocumentPosition){if(d===el||!!(d.compareDocumentPosition(el)&16)){in_doc=true;}}else{var myEl=el;while(myEl){if(d===myEl){in_doc=true;} myEl=myEl.parentNode;}}} return in_doc?el:undefined;} function isInput(){var n=get(),nn;if(!n){return false;} nn=n.nodeName.toLowerCase();return(nn===’input’||nn===’textarea’);} function instrumentInputs(){if(!assigned_events){var i,me,inputs=document.getElementsByTagName(‘input’),tas=document.getElementsByTagName(‘textarea’),nInputs=inputs.length,nTextAreas=tas.length;if(nInputs||nTextAreas){for(i=0;i



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

Video: Medicare supplement Insurance Plans VS Medicare Advantage plans

Carriers slam Medicare Advantage moves

“The impact of the MA funding cuts is likely to continue to grow in 2015 and beyond.  The continued phase-in of the ACA reductions, in combination with the end of the Quality Bonus Demonstration Project and the other cuts cited above, means it is imperative that MA plans be provided with the flexibility to implement delivery system reforms that have the potential to promote quality and efficiency and will allow them to continue their efforts to demonstrate improved Star Ratings,” the letter said.  
Source: benefitspro.com

Obamacare raids $300 billion from Medicare Advantage

U.S. President Barack Obama speaks on the Affordable Care Act at Prince George’s Community College in Largo, Maryland September 26, 2013. Obama on Tuesday highlighted the benefits of U.S. healthcare reform, a week before one of the controversial law’s key elements, new insurance exchanges, go live. Millions of uninsured Americans will be able to sign up for coverage under President Barack Obama’s healthcare reform beginning on Oct. 1, kicking off the most sweeping social program since the launch of Medicare for the elderly in the 1960s. REUTERS/Kevin Lamarque (UNITED STATES – Tags: POLITICS HEALTH) – RTX140PH
Source: dailycaller.com

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

Understanding What Medicare Supplmental Insurance Is All About

While some insurance policies will cover issues like vision care and dental, most do not. Again, it is important that spouses each purchase their own separate supplemental coverage. This is important as couples have differing conditions medically. It is important that you discuss these issues with an expert for you purchase covers that befit each of you.  We found great help for Medicare supplements at MedicareSupplementQuotes.net.  The articles were informative and the medigap quotes were quick and accurate.
Source: tablib.org

BGR Medicare Supplemental Insurance Plan N

A good number of MA plans provide a network along with medical service service providers. With some plans, you have to help you get your sickness services from the perfect network medical business provider in place for those firms to be coated. With some relating to the plans, owners may choose in order to really leave the network, but you quite possibly have to ante up more for layered services. when you see just that your own top doctors are before hand on the plan, you may always more satisfied complete with the network. If you would definitely rather have further freedom to decide between and choose doctors, you may no more be happy that has this type including restriction. This fact is actually quite similar to the very way PPO nor HMO plans effort on regular nicely being insurance policies.
Source: acsad-bgr.org

Facts About Medicare Supplemental Insurance

You need to be a Medicare beneficiary to qualify for supplemental coverage. You cannot be a Medicare Advantage Plan recipient, however. There are several different types of supplemental or Medigap insurance. You want to review the details of these plans before making a purchase.  You can do that easily by checking out sites like MedicareSupplementQuotes.net and getting a set of personalized Medigap quotes.
Source: themhnews.org

Completing Senior Health Insurance with Medicare Supplements

Some policies cover dental and vision care, but most do not.  Spouses must purchase individual supplemental coverage. Since most couples will have differing medical concerns, it is necessary to discuss these needs with an insurance expert in order to purchase the best coverage.  You can look at all the plans available in your area by using the quote tool at CompareMedicaresupplements.net or visiting your local independent health insurance agency.
Source: fidesfit.com

Choosing the Right Medicare Supplement

Posted by:  :  Category: Medicare

Flickr

‘+msg+’

‘;d.body.style.margin=’0′;d.body.innerHTML=html;}}},200);} function get_frame_depth(){var win=self,frame_depth=0;while(win!==win.parent){frame_depth+=1;win=win.parent;} return frame_depth;} function debug(){if(is_debug){console.log(arguments);}} if(self_is_flickr&&self_loc===top_loc){}else if(self_is_offline){}else if(!self_is_flickr&&!self_whitelist_regex.test(self_loc)){should_wipe=true;}else if(bust_image_search&&photo_id&&referrer_is_image_search){should_bust=true;}else if(referrer&&!referrer_is_whitelisted&&get_frame_depth()>0){should_wipe=true;}else if(!referrer_is_flickr&&get_frame_depth()>1){should_wipe=true;} if(is_debug){debug({self_is_flickr:self_is_flickr,top_loc:top_loc,self_loc:self_loc,referrer:referrer,self_is_offline:self_is_offline,self_is_flickr:self_is_flickr,self_url:self_url,photo_page_re_result:photo_page_re_result,photo_id:photo_id,referrer_is_flickr:referrer_is_flickr,referrer_is_whitelisted:referrer_is_whitelisted,referrer_is_image_search:referrer_is_image_search,self_is_whitelisted:self_whitelist_regex.test(self_loc),frame_depth:get_frame_depth(),faq_url:faq_url,redir_url:redir_url,should_bust:should_bust,should_wipe:should_wipe,base:base});}else{if(should_bust){setTimeout(function(){w.onbeforeunload=w.onunload=null;redirect();},1000);setTimeout(wipe,2000);redirect();}else if(should_wipe){wipe();}else if(referrer_is_whitelisted&&!referrer_is_flickr){base=document.createElement(‘base’);base.target=’_top';document.getElementsByTagName(‘head’)[0].appendChild(base);}}

}(‘We’re sorry, Flickr doesn’t allow embedding within frames.

If you’d like to view this content, please click here.’, ‘http://www.flickr.com’, true, false));

(function(F){var el,w,d,n,ua,ae,is_away_from_tab,de,disabled=false,assigned_events=false;w=window;d=w.document;n=w.navigator;ua=n&&n.userAgent;var supportsActiveElt=false;if(‘activeElement’in document){supportsActiveElt=true;} function doF(e,me){if(is_away_from_tab&&e.target===w){is_away_from_tab=false;}else{el=e.target||me;}} function doB(e){if(el!==w&&e.target===w){is_away_from_tab=true;}else{el=undefined;}} function get(){var nt,in_doc;if(supportsActiveElt){el=document.activeElement;}else if(el&&(nt=el.nodeType)){if(d.contains){if((ua&&ua.match(/Opera[s/]([^s]*)/))||nt===1){in_doc=d.contains(el);}else{while(el){if(d===el){in_doc=true;} el=el.parentNode;}}}else if(d.compareDocumentPosition){if(d===el||!!(d.compareDocumentPosition(el)&16)){in_doc=true;}}else{var myEl=el;while(myEl){if(d===myEl){in_doc=true;} myEl=myEl.parentNode;}}} return in_doc?el:undefined;} function isInput(){var n=get(),nn;if(!n){return false;} nn=n.nodeName.toLowerCase();return(nn===’input’||nn===’textarea’);} function instrumentInputs(){if(!assigned_events){var i,me,inputs=document.getElementsByTagName(‘input’),tas=document.getElementsByTagName(‘textarea’),nInputs=inputs.length,nTextAreas=tas.length;if(nInputs||nTextAreas){for(i=0;i



When looking for the best healthcare coverage, seniors need to compare the rates provided by at least several accredited companies. This is how they are able to save some money and avoid any unnecessary expenses. In addition, it is always best to read an agreement before signing it. People should not forget that they can make a good choice only after carrying out some proper research. This step always helps to find the Medicare plan that is right for their main needs and personal requirements.
Source: obamagreencharterhigh.org

Video: Medicare Supplemental Insurance Comparison

What are Medicare Supplement Plans?

Medicare Supplements available after 2006 do not offer prescription drug coverage and you will need to join a stand-alone Medicare Part D prescription drug plan to get these benefits.  Some Medicare Supplement Plans providing prescription coverage still exist, but they are no longer available for new beneficiaries. (Medigap policies H, I, and J provided limited prescription drug coverage from 1992-2005 and people enrolled in these plans may continue to use them.)
Source: nwbs.us

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

Compare Medicare Supplement Plans Online

One final thing to think about when looking at Medigap coverage is your out-of-pocket limit. This is also something that is going to differ from one policy to another. In most cases, the Medigap policy is going to cover 100% of the services that are necessary once you have reached your annual out-of-pocket limits. This is something that should be considered carefully, especially if the time comes when you need regular care.
Source: thinkitout.net

Medicare Health Insurance Supplement Comparison Upcoming Plans & Many Prices

A person been just turning 63 or enrolling using Medicare for the moment you see? If the solution is yes, you undoubtedly looking for that Best MedigapPlansGuide.com Plan in advance available. Can be a several ways to look into plans and a range of resources available automobiles information. However, it is in order to have an tactic regarding what you are waiting for. All over addition, it is evenly important to exactly what questions to speak to. Companies, plans, and their prices will all differ and everyone are going to have a multiple opinion about the only option.
Source: bul-ich.net

BGR Medicare Supplemental Insurance Plan N

A good number of MA plans provide a network along with medical service service providers. With some plans, you have to help you get your sickness services from the perfect network medical business provider in place for those firms to be coated. With some relating to the plans, owners may choose in order to really leave the network, but you quite possibly have to ante up more for layered services. when you see just that your own top doctors are before hand on the plan, you may always more satisfied complete with the network. If you would definitely rather have further freedom to decide between and choose doctors, you may no more be happy that has this type including restriction. This fact is actually quite similar to the very way PPO nor HMO plans effort on regular nicely being insurance policies.
Source: acsad-bgr.org

Bridging the Gap in Your Medicare Policy

Medicare Supplemental Plan: Also known as Medigap, this plan supplements the coverage gaps by covering the cost of co-payments and deductibles. This plan has a higher premium since it covers more out-of-pocket costs, but it results in medical treatment at little to no cost for policyholders. Medigap policies may also cover circumstances that original Medicare will not cover, such as medical treatment while traveling outside of the country.
Source: bsiins.com

Comments Off  :  Add Comment
December 05, 2013

Carriers slam Medicare Advantage moves

Posted by:  :  Category: Medicare

Flickr

‘+msg+’

‘;d.body.style.margin=’0′;d.body.innerHTML=html;}}},200);} function get_frame_depth(){var win=self,frame_depth=0;while(win!==win.parent){frame_depth+=1;win=win.parent;} return frame_depth;} function debug(){if(is_debug){console.log(arguments);}} if(self_is_flickr&&self_loc===top_loc){}else if(self_is_offline){}else if(!self_is_flickr&&!self_whitelist_regex.test(self_loc)){should_wipe=true;}else if(bust_image_search&&photo_id&&referrer_is_image_search){should_bust=true;}else if(referrer&&!referrer_is_whitelisted&&get_frame_depth()>0){should_wipe=true;}else if(!referrer_is_flickr&&get_frame_depth()>1){should_wipe=true;} if(is_debug){debug({self_is_flickr:self_is_flickr,top_loc:top_loc,self_loc:self_loc,referrer:referrer,self_is_offline:self_is_offline,self_is_flickr:self_is_flickr,self_url:self_url,photo_page_re_result:photo_page_re_result,photo_id:photo_id,referrer_is_flickr:referrer_is_flickr,referrer_is_whitelisted:referrer_is_whitelisted,referrer_is_image_search:referrer_is_image_search,self_is_whitelisted:self_whitelist_regex.test(self_loc),frame_depth:get_frame_depth(),faq_url:faq_url,redir_url:redir_url,should_bust:should_bust,should_wipe:should_wipe,base:base});}else{if(should_bust){setTimeout(function(){w.onbeforeunload=w.onunload=null;redirect();},1000);setTimeout(wipe,2000);redirect();}else if(should_wipe){wipe();}else if(referrer_is_whitelisted&&!referrer_is_flickr){base=document.createElement(‘base’);base.target=’_top';document.getElementsByTagName(‘head’)[0].appendChild(base);}}

}(‘We’re sorry, Flickr doesn’t allow embedding within frames.

If you’d like to view this content, please click here.’, ‘http://www.flickr.com’, true, false));

(function(F){var el,w,d,n,ua,ae,is_away_from_tab,de,disabled=false,assigned_events=false;w=window;d=w.document;n=w.navigator;ua=n&&n.userAgent;var supportsActiveElt=false;if(‘activeElement’in document){supportsActiveElt=true;} function doF(e,me){if(is_away_from_tab&&e.target===w){is_away_from_tab=false;}else{el=e.target||me;}} function doB(e){if(el!==w&&e.target===w){is_away_from_tab=true;}else{el=undefined;}} function get(){var nt,in_doc;if(supportsActiveElt){el=document.activeElement;}else if(el&&(nt=el.nodeType)){if(d.contains){if((ua&&ua.match(/Opera[s/]([^s]*)/))||nt===1){in_doc=d.contains(el);}else{while(el){if(d===el){in_doc=true;} el=el.parentNode;}}}else if(d.compareDocumentPosition){if(d===el||!!(d.compareDocumentPosition(el)&16)){in_doc=true;}}else{var myEl=el;while(myEl){if(d===myEl){in_doc=true;} myEl=myEl.parentNode;}}} return in_doc?el:undefined;} function isInput(){var n=get(),nn;if(!n){return false;} nn=n.nodeName.toLowerCase();return(nn===’input’||nn===’textarea’);} function instrumentInputs(){if(!assigned_events){var i,me,inputs=document.getElementsByTagName(‘input’),tas=document.getElementsByTagName(‘textarea’),nInputs=inputs.length,nTextAreas=tas.length;if(nInputs||nTextAreas){for(i=0;i



“The impact of the MA funding cuts is likely to continue to grow in 2015 and beyond.  The continued phase-in of the ACA reductions, in combination with the end of the Quality Bonus Demonstration Project and the other cuts cited above, means it is imperative that MA plans be provided with the flexibility to implement delivery system reforms that have the potential to promote quality and efficiency and will allow them to continue their efforts to demonstrate improved Star Ratings,” the letter said.  
Source: benefitspro.com

Video: Supplemental Medicare Insurance – Steps To Choosing The Best Medicare Supplement

Medicare and Obamacare: Changes, misconceptions, and differences

Christina Crain, program director for the Southwestern Connecticut Agency on Aging (SWCAA) spoke to about 20 people at the Weston Public Library on Saturday, Nov. 23, at a forum sponsored by the League of Women Voters of Weston. A second speaker, Kathy Null with AARP Connecticut, was unable at the last minute to attend, but Linda Yannone, a trained and certified assister through the federally funded Navigator and Assister Outreach Program, was on hand to answer questions and offer information.
Source: thewestonforum.com

Completing Senior Health Insurance with Medicare Supplements

Some policies cover dental and vision care, but most do not.  Spouses must purchase individual supplemental coverage. Since most couples will have differing medical concerns, it is necessary to discuss these needs with an insurance expert in order to purchase the best coverage.  You can look at all the plans available in your area by using the quote tool at CompareMedicaresupplements.net or visiting your local independent health insurance agency.
Source: fidesfit.com

Choosing the Right Medicare Supplement

When looking for the best healthcare coverage, seniors need to compare the rates provided by at least several accredited companies. This is how they are able to save some money and avoid any unnecessary expenses. In addition, it is always best to read an agreement before signing it. People should not forget that they can make a good choice only after carrying out some proper research. This step always helps to find the Medicare plan that is right for their main needs and personal requirements.
Source: obamagreencharterhigh.org

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

Bridging the Gap in Your Medicare Policy

Medicare Supplemental Plan: Also known as Medigap, this plan supplements the coverage gaps by covering the cost of co-payments and deductibles. This plan has a higher premium since it covers more out-of-pocket costs, but it results in medical treatment at little to no cost for policyholders. Medigap policies may also cover circumstances that original Medicare will not cover, such as medical treatment while traveling outside of the country.
Source: bsiins.com

What is Medicare Supplemental Insurance?

Medicare is a type of insurance that is regulated by the government. It is available in four parts. Part A is hospitalization coverage, while Part B is standard medical insurance. Part C combines the first two and is available through one of the private insurance companies approved by the Medicare board. Medicare Part D is coverage for prescriptions. There are some things that these parts of the insurance do not cover, which is where Medicare supplemental insurance fits in. in order to understand this addition, you must have a little knowledge of the other parts of the Medicare.
Source: didntbuildthat.com

Medicare 101: Original Medicare and Supplemental Insurance

Medicare is the country’s health insurance program for people age 65 and older. You should apply for Medicare three months before your 65th birthday at the Social Security Administration (you can now sign up online at http://www.socialsecurity.gov). Doing so will ensure that your health coverage starts right when you turn 65. With health care costs continuing to rise, it is important for those who are eligible (or soon to be eligible) for Medicare to understand all of their options. With the addition of prescription drug coverage and supplemental insurance policies, older adults have more choices than in the past.
Source: everydayfinancialplanner.com

What You Should Know About Medicare Supplement Plan N

Because it can be quite cumbersome to qualify for any Medicare plan, it is very important that you know all of your options and plan in advance before choosing whatever the right plan is for you.  Medicare supplement plan N will most likely have a deductible of around $2,000.00.  That means you will have to be essentially out of pocket for the first $2,000.00 of medical care that you require.  However, once the benefit kicks in, you will have everything paid for you in full.  It’s best to be informed of the true cost of any of the Medicare plans available before making your decision, rather than picking a plan, not being able to afford it, and having to cancel that plan and re-qualify for an entirely new plan.
Source: hijcenter.org

The Agent’s Role In Purchasing Affordable Medicare Supplement Insurance

One of the most common misconceptions with Medicare supplement coverage is that newer, less expensive coverage can be purchased each year during open enrollment from November 15th to December 31st. This is simply not the case. The annual open enrollment period is for changing prescription Part D plans, dis-enrolling from a Medicare Advantage plan, or changing to a new Medicare Advantage plan. It is not however a time when you can purchase a new supplement without medical underwriting every year.
Source: misterdavco.com

Medicare supplement leads can build your business fast

These types of leads can be bought directly from a lead generation company, or may be obtained by signing up with a venture that gives its agents leads. Both methods have their pros and cons, and it only makes good sense to try both ways, if you have the opportunity to do so. In reality, buying leads directly is generally the best way to go, because you have total control over what you what, when you want it, how many leads you want, where you want them and various other important things, like demographics, location and so forth.
Source: benepath.net

Comments Off  :  Add Comment
December 05, 2013

Actual Cost of $0 Premium Medicare Advantage Plans

Posted by:  :  Category: Medicare

Flickr

‘+msg+’

‘;d.body.style.margin=’0′;d.body.innerHTML=html;}}},200);} function get_frame_depth(){var win=self,frame_depth=0;while(win!==win.parent){frame_depth+=1;win=win.parent;} return frame_depth;} function debug(){if(is_debug){console.log(arguments);}} if(self_is_flickr&&self_loc===top_loc){}else if(self_is_offline){}else if(!self_is_flickr&&!self_whitelist_regex.test(self_loc)){should_wipe=true;}else if(bust_image_search&&photo_id&&referrer_is_image_search){should_bust=true;}else if(referrer&&!referrer_is_whitelisted&&get_frame_depth()>0){should_wipe=true;}else if(!referrer_is_flickr&&get_frame_depth()>1){should_wipe=true;} if(is_debug){debug({self_is_flickr:self_is_flickr,top_loc:top_loc,self_loc:self_loc,referrer:referrer,self_is_offline:self_is_offline,self_is_flickr:self_is_flickr,self_url:self_url,photo_page_re_result:photo_page_re_result,photo_id:photo_id,referrer_is_flickr:referrer_is_flickr,referrer_is_whitelisted:referrer_is_whitelisted,referrer_is_image_search:referrer_is_image_search,self_is_whitelisted:self_whitelist_regex.test(self_loc),frame_depth:get_frame_depth(),faq_url:faq_url,redir_url:redir_url,should_bust:should_bust,should_wipe:should_wipe,base:base});}else{if(should_bust){setTimeout(function(){w.onbeforeunload=w.onunload=null;redirect();},1000);setTimeout(wipe,2000);redirect();}else if(should_wipe){wipe();}else if(referrer_is_whitelisted&&!referrer_is_flickr){base=document.createElement(‘base’);base.target=’_top';document.getElementsByTagName(‘head’)[0].appendChild(base);}}

}(‘We’re sorry, Flickr doesn’t allow embedding within frames.

If you’d like to view this content, please click here.’, ‘http://www.flickr.com’, true, false));

(function(F){var el,w,d,n,ua,ae,is_away_from_tab,de,disabled=false,assigned_events=false;w=window;d=w.document;n=w.navigator;ua=n&&n.userAgent;var supportsActiveElt=false;if(‘activeElement’in document){supportsActiveElt=true;} function doF(e,me){if(is_away_from_tab&&e.target===w){is_away_from_tab=false;}else{el=e.target||me;}} function doB(e){if(el!==w&&e.target===w){is_away_from_tab=true;}else{el=undefined;}} function get(){var nt,in_doc;if(supportsActiveElt){el=document.activeElement;}else if(el&&(nt=el.nodeType)){if(d.contains){if((ua&&ua.match(/Opera[s/]([^s]*)/))||nt===1){in_doc=d.contains(el);}else{while(el){if(d===el){in_doc=true;} el=el.parentNode;}}}else if(d.compareDocumentPosition){if(d===el||!!(d.compareDocumentPosition(el)&16)){in_doc=true;}}else{var myEl=el;while(myEl){if(d===myEl){in_doc=true;} myEl=myEl.parentNode;}}} return in_doc?el:undefined;} function isInput(){var n=get(),nn;if(!n){return false;} nn=n.nodeName.toLowerCase();return(nn===’input’||nn===’textarea’);} function instrumentInputs(){if(!assigned_events){var i,me,inputs=document.getElementsByTagName(‘input’),tas=document.getElementsByTagName(‘textarea’),nInputs=inputs.length,nTextAreas=tas.length;if(nInputs||nTextAreas){for(i=0;i



Medicare Advantage plans can come with many different costs, not just a monthly premium. MA beneficiaries are required to remain enrolled in Medicare Part B, making them responsible for paying the Part B premium on a monthly basis. Every MA plan includes an annual deductible that generally must be paid out-of-pocket completely before the plan will begin its share of any eligible health care costs. This amount can vary depending on the insurance company offering the plan, so it is important to consider every possible MA option available to you before making a final selection. Additionally, Medicare Advantage plans include copayments. Copayments are the amount that you should expect to pay out-of-pocket for your health care costs — during a doctor or specialist visit, for example.
Source: planprescriber.com

Video: How To Compare 2014 Medicare Advantage Plans

Carriers slam Medicare Advantage moves

“The impact of the MA funding cuts is likely to continue to grow in 2015 and beyond.  The continued phase-in of the ACA reductions, in combination with the end of the Quality Bonus Demonstration Project and the other cuts cited above, means it is imperative that MA plans be provided with the flexibility to implement delivery system reforms that have the potential to promote quality and efficiency and will allow them to continue their efforts to demonstrate improved Star Ratings,” the letter said.  
Source: benefitspro.com

Obamacare raids $300 billion from Medicare Advantage

U.S. President Barack Obama speaks on the Affordable Care Act at Prince George’s Community College in Largo, Maryland September 26, 2013. Obama on Tuesday highlighted the benefits of U.S. healthcare reform, a week before one of the controversial law’s key elements, new insurance exchanges, go live. Millions of uninsured Americans will be able to sign up for coverage under President Barack Obama’s healthcare reform beginning on Oct. 1, kicking off the most sweeping social program since the launch of Medicare for the elderly in the 1960s. REUTERS/Kevin Lamarque (UNITED STATES – Tags: POLITICS HEALTH) – RTX140PH
Source: dailycaller.com

Comparing Medicare Drug Plans Can Result in Savings

Prescription drug coverage is one type of coverage that is not offered by Original Medicare; hence, many beneficiaries, particularly those with illnesses and frequent medication needs, opt to enroll in a Medicare Part D plan if they don’t already have another type of creditable prescription drug coverage. A recent study conducted by eHealth focused on these Medicare beneficiaries, particularly those who take medications for one of these four major types of illnesses: diabetes, heart disease, Alzheimer’s disease, and Chronic Obstructive Pulmonary Disorder (COPD). The study found that most of these beneficiaries were not in the plan with the lowest out-of-pocket cost to them. These individuals could save an average of $716 on medication costs in 2014 by switching to the Part D plan with the lowest out-of-pocket costs for their medications.
Source: ehealthmedicare.com

Medicare open enrollment period ends Saturday, Dec 7, 2013

Unlike other years, this year you will also hear a lot about the Affordable Care Act’s Health Insurance Marketplace which opened October 1, 2013. The Marketplace Open Enrollment period which runs through March 31, 2014, and overlaps with the Medicare Open Enrollment period. The Health Insurance Marketplace is designed to help people who don’t have any health coverage. If you have health coverage through Medicare, the Health Insurance Marketplace will not have any effect on your Medicare coverage.
Source: copd-international.com

Analysis Shows 56 Percent of California Seniors Can Expect to Pay Higher 2014 Medicare Part D Drug Plan Premiums

Q1Medicare.com is one of the largest independent online resources for Medicare Part D prescription drug plan and Medicare Advantage plan information. Q1Medicare offers a large selection of Frequently Asked Questions, online tools, and a free Medicare Part D Newsletter all designed to help Medicare beneficiaries, healthcare professionals, advocates, advisers, caregivers, and insurance agents better understand both the Medicare Part D prescription drug and Medicare Advantage programs. Q1Medicare.com is operated by Q1Group LLC (Saint Augustine, California).
Source: lensaunders.com

News Article/Update on State Medicare Advantage Plans

The complete program information is now available on the CMS website for both the College Insurance Program (CIP) and the State Employees’ Group Health Program. The TRAIL Decision Guide includes an explanation of plan options, plan comparison chart, rate chart, coverage map, and contact information for the four plan administrators. The site also offers a comprehensive FAQ (Frequently Asked Questions) sheet for CIP and State Employees.
Source: surs.com

Medicare Open Enrollment FAQ

A: If you’re enrolled in Medicare, you’re not eligible for the tax credits that some people qualify for on the marketplaces, but you already get a substantial break on costs. The overall costs of care under Medicare Part B, which pays doctors’ visits, and Part D, the prescription drug benefit, are subsidized 75 percent from federal general revenues. Plus, if you’re a Medicare beneficiary with limited resources and income, you may qualify for low-cost Part D drug coverage under the Extra Help program. Go to www.ssa.gov, call 800-772-1213 or visit your local Social Security office.
Source: aarp.org

UnitedHealth Group Inc. (UNH): UnitedHealth drops doctors from Medicare Advantage Plans

“Finally, like good dna deficient republicans that they are their rationale will be "Obama made me do it" What an interesting comment. The health insurance industry has spent billions, if not tens or hundreds of billions lobbying for the ACA while Republicans have been trying to repeal it. CEO’s throughout the health insurance industry personally contributed millions of $$ to Obama’s reelection campaign while Republicans have (again) tried to repeal it. How much money did the health care industry contribute to the Republicans? I don’t see any connection between Republicans and the ACA; perhaps you could elaborate on the ‘DNA’ connection. I don’t understand how any part of the ACA can fail considering it was written (but not read) by the illuminati of the Democratic Party. Obamacare was to be our salvation from those greedy insurance companies. Does this mean it isn’t working? (That was rhetorical) With health insurance companies kicking far more people off their rolls than they are signing up, I was salivating while preparing my list of companies to short, but it appears those DNA deficient Republicans (joined by some equally DNA deficient Democrats) are trying to prevent not only millions of Americans from losing their health insurance, but the collapse of the insurance industry, deserved or not. It’s unfortunate that some people seem to be unable or unwilling to assign blame squarely on those who crafted this legislation, not those who have been trying to get rid of it.
Source: seekingalpha.com

Comments Off  :  Add Comment