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

Posted by:  :  Category: Medicare

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

Video: When Can I Sign Up for Medicare?

How Do I Apply for Medicaid in Fayetteville Arkansas?

Medicaid does not make payments for medical care and expenses to you directly.  Instead, it pays the physicians, hospitals and other health care providers enrolled in the Medicaid program.  Therefore, the health care provider will bill Medicaid for the services provided for you.  However, always ask your doctor before they provide services to make sure they will bill Medicaid.  Otherwise, you may have to pay for the services yourself.  That is because physicians do not have to bill Medicaid, even when they are considered Medicaid providers.  It is also important to know that Medicaid will not always pay all of your bills.  In fact, adults on Medicaid are required to pay part of their medical care.
Source: arkansas-estateplanning.com

New Medicaid Program Begins

The 2014 federal poverty income level for a household of one person is $1,321/month.  Additional household members increase that amount by about $462 per person.  “MAGI” stands for “modified adjusted gross income.”  A person’s “adjusted gross income” is one’s federally taxable income as would be reported on Line 37 of IRS Form 1040, Line 21 of IRS Form 1040-A, or Line 6 of IRS Form 1040EZ.  That income is “adjusted” by adding back any tax-exempt interest or foreign investment income. 
Source: hickman-lowder.com

Seniors on Medicare don’t need to apply at the Insurance Marketplace

Related: In this video, Laval Miller-Wilson, the executive director of the Pennsylvania Health Law Project, provides an overview of Medicare, the federal health insurance program. Medicare covers people that are 65. It also covers people that have permanent disabilities. Before Medicare began in 1965, half of seniors didn’t have health insurance. Today, virtually all seniors 65 and older have Medicare.
Source: transforminghealth.org

Medicare Savings Programs (MSPs) Help Beneficiaries with Costs

Out-of-pocket costs, such as monthly premiums, yearly deductibles, coinsurance, and copayments for Medicare plans can seem overwhelming to some beneficiaries. One option is to switch to the lowest cost option with the best coverage for your individual needs, but even the lowest cost option may not be affordable enough. Beneficiaries also have the option to apply for various Medicare Savings Programs (MSPs)  through the Medicaid program.
Source: ehealthmedicare.com

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

If you select “Keep me signed in on this computer”, you can stay signed in to WebMD.com on this computer for up to 2 weeks or until you sign out. This means that a cookie will stay on your computer even when you exit or close your browser which may reduce your levels of privacy and security. You should never select this option if you’re using a publicly accessible computer, or if you’re sharing a computer with others. Even if you select this option there are some features of our site that still require you to log in for privacy reasons.
Source: webmd.com

How to apply for Medicare Health Insurance

Part D (Prescription Drug Plan) Offers special assistance to beneficiaries with limited income, and a choice of prescription drug plans (PDP) to anyone enrolled in Part A and Part B. Medicare prescription drug plans (PDPs) cover only outpatient drugs for people in original Medicare who have no other drug coverage. You can not enroll both in a Prescription Drug Plan and in a Medicare Advantage plan. When you enroll in a Medicare Advantage plan, you will automatically lose your current PDP coverage, even if the Medicare Advantage plan does not cover drugs. Every year Medicare has an enrollment period from November 15 through December 31 when it is possible to change prescription drug providers. Medicare imposes penalties if you want to enroll in a prescription drug plan and you were not previously enrolled in a creditable drug plan. The long list of Part D providers, and the many options for monthly fees, types of coverage, and deductibles make it very difficult to choose. It is important to think carefully before making a selection because the wrong choice can cost you hundreds of dollars more in out-of-pocket expenses. Medicare has an interactive Prescription Drug Plan Finder in its Prescription Drug Coverage web page.
Source: scientificpsychic.com

AGE DEFIANCE: Selecting Medicare Supplement Plans

Posted by:  :  Category: Medicare

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This blog post covers my specific selection of a Medicare supplement plan, also known as Medigap plans or medicare supplemental insurance. Click here to see a previous post addressing Medicare eligibility. Current Situation In my post about Medicare eligibility I mentioned that my current (pre-Medicare) medical insurance is a high-priced, high deductible policy with a nationwide carrier. When I am eligible for Medicare, I will cancel out of this policy because I will be covered by Medicare and a supplement plan I now am selecting. The combination of Medicare and the supplement policy will give me better coverage than the current policy at a lower cost. Notes to Keep in Mind
Source: blogspot.com

Video: Medicare Supplement Select Plans

Amante and Associates Offers Professional Medicare Health Care Consultancy and Policies from Top Firms

Amante and Associates Insurance Solutions, Inc., the insurance plans’ specialist, has added more insurance companies to its list to offer exciting and budget-friendly medicare health plans for its clients. The insurance experts say they are committed to providing individuals, families, and companies the best medicare assistance in Temecula to provide protection during unexpected and life-changing medical events. “Selecting a medicare can be quite a challenging experience, regardless of whether you are buying one for the first time or trying to make a change,” says the spokesperson for Amante and Associates. “Our objective is to educate you on your options and help you select the best plan to meet your needs. We are one of the most reliable and trusted insurance brokers and committed to provide our clients a wider range of health plans from top insurance companies.” Amante and Associates also offers a bouquet of medicare supplements’ plans to help clients bridge the gap that various medicare covers do not address. This may include critical components of a medical cover, such as co-insurance, co-payments, and deductibles. Most insurance companies offer them as add-ons for which you are required to pay extra. According to Amante and Associates, they are forever pursuing ways to improve the quality of their services. The professional team of insurance experts has the experience to fully understand the needs of their clients and provide the best solutions in a professional, caring, and compassionate manner. Clients prefer doing business with Amante and Associates because it helps them access the best insurance options in a friendly way. Private insurance companies offer Medicare Part D Prescription Plans that help medicare policy holders pay for prescription drugs. Choosing the right insurance company or medicare Part D prescription plan can be an overwhelming task, as their applicants have to go through tons of information, most of which includes technical jargons. It only makes the task more challenging. Amante and Associates is fully aware of the difficulties faced by those looking to buy part D prescription plans. That is why their medicare health plans include providing information in a simple, jargon-free language to help clients choose the best plan for their specific needs. Amante and Associates offers all types of insurance plans from top insurance companies. They can be contacted for reliable and detailed information about Group and Individual Health, Employee Benefits, and Life Insurance. Amante and Associates is also known for its specialty products and services, such as Long Term Care Insurance, Annuities, Critical Illness Plans, Group Retiree Medical Plans, HR Services, IRS Code Section 125 which is also known as Cafeteria Plans, Health Savings Accounts, COBRA Administration, and International Health Plans. Subscribers to their services can get instant quotes and compare plans at a glance on their website. About Amante and Associates Insurance Solutions, Inc.: Amante and Associates Insurance Solutions, Inc. is the best online resource while shopping for insurance plans. They take the confusion and hassle out of choosing an insurance plan with their incomparable expertise and unmatched experience in the industry. Consultancy is available for individual and family plans, medicare health plans, and group employee benefits as well as for life insurance policies. For more information please visit their website: www.Amanteandassociates.com Press Release Source : AB Newswire
Source: sbwire.com

Did You Pick the Wrong Medicare Advantage Plan?

Your Medicare Advantage special enrollment period runs until February 28.  During this time you can change Medicare Advantage plans or select a Medicare Supplement plan.  If you think a Medicare supplement plan is right for you, the good news is that you have a guarantee issue right to purchase any Medigap plan without medical underwriting.  That’s a big opportunity so if you are considering a Medigap plan take advantage of this special enrollment period.
Source: iquote.com

To Switch or Not to Switch: Are Medicare Beneficiaries Switching Drug Plans To Save Money?

Our findings have implications beyond Part D, as policymakers debate options for broader Medicare restructuring, including options that would increase the role of private plans in Medicare.  The evidence to date from Part D suggests that most beneficiaries, once enrolled, tend to stick with the plans they have chosen, even when they are faced with relatively large premium increases.  While this tendency likely reflects a mix of both satisfaction with the status quo and some reluctance to examine alternatives or make a change, it also points to a disconnect between theory and reality in this and potentially other choice-based systems for Medicare.  In the face of evidence suggesting that plans will retain most of their enrollees regardless of premium increases or modifications to other plan features, plan sponsors may have less incentive to keep costs down.  The result could be higher costs for both beneficiaries and the federal government, because under the structure of Part D, where both the government’s share of the premium and the beneficiary’s premium amount are derived from the average of plan bids, these costs go up as plan bids increase.  Results of our study raise questions about the degree to which beneficiaries are willing or able to let cost be their ultimate guide in choosing a plan.  As a result, the competitive signal is not sent to plan sponsors, and beneficiaries could miss out on an opportunity to achieve savings.
Source: kff.org

Medicare Beneficiaries: It’s that time of year to compare health plans for your best fit

AARP Vice President of Health and Family Nicole Duritz, explains “It is important for Medicare beneficiaries to know that during the open enrollment period you don’t have to do anything new. You certainly should not buy any new insurance coverage as a result of the Affordable Care Act. Your Medicare coverage satisfies the federal requirement that you have health insurance.”
Source: aarp.org

Medicare Plan Finder for Health, Prescription Drug and Medigap plans

Between January 1–February 14, if you’re in a Medicare Advantage Plan, you can leave your plan and switch to Original Medicare. If you switch to Original Medicare during this period, you will have until February 14 to also join a Medicare Prescription Drug Plan to add drug coverage. Your coverage will begin the first day of the month after the plan gets your enrollment form.
Source: medicare.gov

What is Medicare SELECT and How Does it Work?

This kind of insurance has to give the same benefits as a regular Medigap policy but usually comes in at a lower cost based on its additional conditions. If you are prepared to be restricted to the plan’s network, then this could give you cheaper premium costs. You can, of course, choose to use a hospital/doctor outside of the network but, although Medicare will cover its costs as usual, you would then have to pay for any gaps otherwise covered in-network by a SELECT policy.
Source: suite101.com

Some Medicare Advantage Members Can Still Switch Plans

If you decide to switch to a Medicare supplement plan you have a guarantee issue right to purchase the plan which means you do not have to go through underwriting. This is one of the few circumstances in which you have that privilege so if you are considering a Medicare Supplement plan this might be the right time to switch.
Source: iquote.com

What's Best Value in Medicare Plan?

But the ranking shifts for people in poor health. For instance, Wellcare’s Dividend plan ranks second for Miami-Dade Medicare beneficiaries in fair health, but drops to ninth for those in poor health. What makes the difference is out-of-pocket costs, since sicker patients use more services with high co-pays.
Source: usf.edu

Is Medicare Select A Better Choice?

This plan is more limited and managed by your provider. In this plan the coverage provided to the person is by private insurance companies, who are approved by Medicare. In the majority of these Medicare Select Plans, the doctors, and hospitals are chosen by the insurance companies. A monthly premium and co-payment has to be payed to keep these services. Prescription drug coverage has to be purchased through the individuals Medicare Select plan. Medigap policies are not rendered to these users. In addition, if you are looking for a low-cost plan, Medicare Select is the plan, and if you want more options and variety, then standard Medicare plans are appropriate.
Source: seniorcorps.org