2015 Medicare Advantage Plans Available to Residents of Maryland

Posted by:  :  Category: Medicare

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Source: q1medicare.com

Baltimore County Md. Aging

SMP offers educational programs on Medicare fraud and abuse and what Medicare beneficiaries can do to help save Medicare for future generations. In addition, individuals who are concerned about a case of suspected fraud or abuse may contact SMP directly to report the incident. SMP is available throughout the year to provide community presentations and to accept concerns about potential fraud or abuse. SMP is available by calling the office at 410-887-2059 or email medicareinformation@baltimorecountymd.gov.
Source: baltimorecountymd.gov

CareFirst BlueCross BlueShield of Maryland Medicare Plans

In addition to the option of Medigap, you also have the choice of selecting Medicare Advantage as a way to enhance your Medicare coverage. Medicare Advantage plans take the place of Medicare (Parts A & B) and are not supplemental like Medigap. The 3 most popular Medicare Advantage or Part C plans are: Medicare Advantage HMO, PPO or Private-Fee-for-Service (PFFS). (See the chart at right) Medigap vs. Medicare Advantage Medigap and Medicare Advantage plans require that you be enrolled in Medicare Parts A and B. You also have a premium in addition to the Medicare Part B premium for Medigap and usually have an additional premium for Medicare Advantage as well. Basically, with Medicare Advantage your Medicare coverage is provided through 1 plan, which is managed by a private insurance company. Most Medicare Advantage plans also include Medicare Prescription Drug coverage, known as Part D, while Medigap plans do not include Part D coverage. If you select Medigap and want prescription drug coverage you will need to select a stand-alone Part D plan. CareFirst Blue Cross Blue Shield of Maryland offers several Medicare Advantage plans for seniors.
Source: online-health-insurance.com

Maryland Medicare Advantage Plans

What are they? Similar to PPOs and HMOs, Maryland Medicare Advantage Plans are an another option for Maryland Seniors. Advantage Plans also know as Medicare Part C are administered by individual private insurance providers that are approved by Medicare. There are a variety of medicare advantage plans in Maryland. These plans will provide all of your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage. MD Medicare Advantage Plans may offer extra benefits, such as vision care, hearing care, dental care, and in some cases health and wellness programs. Most do include Medicare prescription drug coverage (Part D).
Source: medicareadvantageplans.us

North Carolina Medicare Supplement Insurance

Posted by:  :  Category: Medicare

Applying for Medigap insurance is relatively easy with North Carolina Medicare Supplement. In most cases we will simply mail you the application though some companies are starting to offer online applications or faxed applications.   Other benefits of getting your insurance through North Carolina Medicare Supplement are we will pay all postage, help you with the application if you need it, and track your application until completion.  Here is what you should know about applying for a Medicare Supplement plan:
Source: northcarolina-medicaresupplement.com

North Carolina Medicare Supplement Plans

- A – Cities in North Carolina that begin with the letter “A”. Aberdeen, NC Advance, NC Ahoskie, NC Alamance, NC Albemarle, NC Albertson, NC Alexander, NC Alexis, NC Alliance, NC Almond, NC Altamahaw, NC Andrews, NC Angier, NC Ansonville, NC Apex, NC Arapahoe, NC Ararat, NC Arden, NC Ash, NC Asheboro, NC Asheville, NC Atkinson, NC Atlantic, NC Atlantic Beach, NC Aulander, NC Aurora, NC Autryville, NC Avon, NC Ayden, NC Aydlett, NC – B – Cities in North Carolina that begin with the letter “B”. Badin, NC Bahama, NC Bailey, NC Bakersville, NC Balsam, NC Balsam Grove, NC Banner Elk, NC Barco, NC Barium Springs, NC Barnardsville, NC Barnesville, NC Bat Cave, NC Bath, NC Battleboro, NC Bayboro, NC Bear Creek, NC Beaufort, NC Belews Creek, NC Belhaven, NC Bellarthur, NC Belmont, NC Belvidere, NC Bennett, NC Benson, NC Bessemer City, NC Bethania, NC Bethel, NC Beulaville, NC Biscoe, NC Black Creek, NC Black Mountain, NC Bladenboro, NC Blanch, NC Blounts Creek, NC Blowing Rock, NC Boiling Springs, NC Bolivia, NC Bolton, NC Bonlee, NC Boomer, NC Boone, NC Boonville, NC Bostic, NC Brasstown, NC Brevard, NC Bridgeton, NC Broadway, NC Browns Summit, NC Brunswick, NC Bryson City, NC Buies Creek, NC Bullock, NC Bunn, NC Bunnlevel, NC Burgaw, NC Burlington, NC Burnsville, NC Butner, NC Buxton, NC Bynum, NC – C – Cities in North Carolina that begin with the letter “C”. Calabash, NC Calypso, NC Camden, NC Cameron, NC Camp Lejeune, NC Candler, NC Candor, NC Canton, NC Caroleen, NC Carolina Beach, NC Carrboro, NC Carthage, NC Cary, NC Casar, NC Cashiers, NC Castalia, NC Castle Hayne, NC Catawba, NC Cedar Falls, NC Cedar Grove, NC Cedar Island, NC Cedar Mountain, NC Cerro Gordo, NC Chadbourn, NC Chapel Hill, NC Charlotte, NC Cherokee, NC Cherry Point, NC Cherryville, NC Chimney Rock, NC China Grove, NC Chinquapin, NC Chocowinity, NC Claremont, NC Clarendon, NC Clarkton, NC Clayton, NC Clemmons, NC Cleveland, NC Cliffside, NC Climax, NC Clinton, NC Clyde, NC Coats, NC Cofield, NC Coinjock, NC Colerain, NC Colfax, NC Collettsville, NC Columbia, NC Columbus, NC Comfort, NC Como, NC Concord, NC Conetoe, NC Connellys Springs, NC Conover, NC Conway, NC Cooleemee, NC Corapeake, NC Cordova, NC Cornelius, NC Corolla, NC Council, NC Cove City, NC Cramerton, NC Creedmoor, NC Creston, NC Creswell, NC Crossnore, NC Crouse, NC Crumpler, NC Culberson, NC Cullowhee, NC Cumberland, NC Cumnock, NC Currie, NC Currituck, NC – D – Cities in North Carolina that begin with the letter “D”. Dallas, NC Dana, NC Danbury, NC Davidson, NC Davis, NC Deep Gap, NC Deep Run, NC Delco, NC Denton, NC Denver, NC Dillsboro, NC Dobson, NC Dover, NC Drexel, NC Dublin, NC Dudley, NC Dunn, NC Durants Neck, NC Durham, NC – E – Cities in North Carolina that begin with the letter “E”. Eagle Rock, NC Eagle Springs, NC Earl, NC East Bend, NC East Flat Rock, NC East Spencer, NC Eden, NC Edenton, NC Edneyville, NC Edward, NC Efland, NC Elizabeth City, NC Elizabethtown, NC Elk Park, NC Elkin, NC Ellenboro, NC Ellerbe, NC Elm City, NC Elon College, NC Emerald Isle, NC Enfield, NC Engelhard, NC Enka, NC Ennice, NC Ernul, NC Erwin, NC Ether, NC Etowah, NC Eure, NC Everetts, NC Evergreen, NC – F – Cities in North Carolina that begin with the letter “F”. Fair Bluff, NC Fairfield, NC Fairmont, NC Fairplains, NC Fairview, NC Faison, NC Faith, NC Falcon, NC Falkland, NC Fallston, NC Farmville, NC Fayetteville, NC Ferguson, NC Flat Rock, NC Fleetwood, NC Fletcher, NC Fontana Dam, NC Forest City, NC Fort Bragg, NC Fountain, NC Four Oaks, NC Franklin, NC Franklinton, NC Franklinville, NC Fremont, NC Frisco, NC Fuquay Varina, NC – G – Cities in North Carolina that begin with the letter “G”. Garland, NC Garner, NC Garysburg, NC Gaston, NC Gastonia, NC Gates, NC Gatesville, NC Germanton, NC Gerton, NC Gibson, NC Gibsonville, NC Glade Valley, NC Glen Alpine, NC Glendale Springs, NC Glenville, NC Glenwood, NC Gloucester, NC Godwin, NC Gold Hill, NC Goldsboro, NC Goldston, NC Graham, NC Grandy, NC Granite Falls, NC Granite Quarry, NC Grantsboro, NC Grassy Creek, NC Greenmountain, NC Greensboro, NC Greenville, NC Grifton, NC Grimesland, NC Grover, NC Gulf, NC Gumberry, NC – H – Cities in North Carolina that begin with the letter “H”. Halifax, NC Hallsboro, NC Hamilton, NC Hamlet, NC Hampstead, NC Hamptonville, NC Harbinger, NC Harkers Island, NC Harmony, NC Harrells, NC Harrellsville, NC Harris, NC Harrisburg, NC Hassell, NC Hatteras, NC Havelock, NC Haw River, NC Hayesville, NC Hays, NC Hazelwood, NC Henderson, NC Hendersonville, NC Henrico, NC Henrietta, NC Hertford, NC Hickory, NC Hiddenite, NC High Point, NC High Shoals, NC Highfalls, NC Highlands, NC Hildebran, NC Hillsborough, NC Hobbsville, NC Hobgood, NC Hobucken, NC Hoffman, NC Hollister, NC Holly Ridge, NC Holly Springs, NC Hookerton, NC Hope Mills, NC Horse Shoe, NC Hot Springs, NC Hubert, NC Hudson, NC Huntersville, NC Hurdle Mills, NC – I – Cities in North Carolina that begin with the letter “I”. Icard, NC Indian Trail, NC Ingold, NC Iron Station, NC Ivanhoe, NC – J – Cities in North Carolina that begin with the letter “J”. Jackson, NC Jackson Springs, NC Jacksonville, NC Jamestown, NC Jamesville, NC Jarvisburg, NC Jefferson, NC Jonas Ridge, NC Jonesville, NC Julian, NC – K – Cities in North Carolina that begin with the letter “K”. Kannapolis, NC Kelford, NC Kelly, NC Kenansville, NC Kenly, NC Kernersville, NC Kill Devil Hills, NC King, NC Kings Mountain, NC Kinston, NC Kipling, NC Kittrell, NC Kitty Hawk, NC Knightdale, NC Knotts Island, NC Kure Beach, NC – L – Cities in North Carolina that begin with the letter “L”. La Grange, NC Lake Junaluska, NC Lake Lure, NC Lake Toxaway, NC Lake Waccamaw, NC Lakeview, NC Landis, NC Lansing, NC Lattimore, NC Laurel Hill, NC Laurel Springs, NC Laurinburg, NC Lawndale, NC Lawsonville, NC Leasburg, NC Leicester, NC Leland, NC Lemon Springs, NC Lenoir, NC Lewiston Woodville, NC Lewisville, NC Lexington, NC Liberty, NC Lilesville, NC Lillington, NC Lincolnton, NC Linden, NC Linville, NC Linville Falls, NC Linwood, NC Little Switzerland, NC Littleton, NC Locust, NC Longwood, NC Louisburg, NC Lowell, NC Lowgap, NC Lowland, NC Lucama, NC Lumber Bridge, NC Lumberton, NC Lynn, NC – M – Cities in North Carolina that begin with the letter “M”. Macclesfield, NC Macon, NC Madison, NC Maggie Valley, NC Magnolia, NC Maiden, NC Mamers, NC Manns Harbor, NC Manson, NC Manteo, NC Maple, NC Maple Hill, NC Marble, NC Margarettsville, NC Marietta, NC Marion, NC Mars Hill, NC Marshall, NC Marshallberg, NC Marshville, NC Marston, NC Matthews, NC Maury, NC Maxton, NC Mayodan, NC Maysville, NC McAdenville, NC Mccain, NC Mccutcheon Field, NC McFarlan, NC McGrady, NC McLeansville, NC Mebane, NC Merritt, NC Merry Hill, NC Micaville, NC Micro, NC Middleburg, NC Middlesex, NC Midland, NC Midway Park, NC Mill Spring, NC Millers Creek, NC Milton, NC Milwaukee, NC Mineral Springs, NC Minneapolis, NC Misenheimer, NC Mocksville, NC Moncure, NC Monroe, NC Montezuma, NC Montreat, NC Mooresboro, NC Mooresville, NC Moravian Falls, NC Morehead City, NC Morganton, NC Morrisville, NC Morven, NC Mount Airy, NC Mount Gilead, NC Mount Holly, NC Mount Mourne, NC Mount Olive, NC Mount Pleasant, NC Mount Ulla, NC Mountain Home, NC Moyock, NC Murfreesboro, NC Murphy, NC – N – Cities in North Carolina that begin with the letter “N”. Nags Head, NC Nakina, NC Naples, NC Nashville, NC Nebo, NC New Bern, NC New Hill, NC New London, NC Newell, NC Newland, NC Newport, NC Newton, NC Newton Grove, NC Norlina, NC Norman, NC North Wilkesboro, NC Norwood, NC – O – Cities in North Carolina that begin with the letter “O”. Oak City, NC Oak Island, NC Oak Ridge, NC Oakboro, NC Ocean Isle Beach, NC Ocracoke, NC Old Fort, NC Olin, NC Olivia, NC Oriental, NC Orrum, NC Otto, NC Oxford, NC – P – Cities in North Carolina that begin with the letter “P”. Palmyra, NC Pantego, NC Parkton, NC Parmele, NC Patterson, NC Paw Creek, NC Peachland, NC Pelham, NC Pembroke, NC Pendleton, NC Penland, NC Penrose, NC Pfafftown, NC Pikeville, NC Pilot Mountain, NC Pine Hall, NC Pine Level, NC Pinebluff, NC Pinehurst, NC Pineola, NC Pinetops, NC Pinetown, NC Pineville, NC Piney Creek, NC Pink Hill, NC Pinnacle, NC Pisgah Forest, NC Pittsboro, NC Pleasant Garden, NC Pleasant Hill, NC Plumtree, NC Plymouth, NC Point Harbor, NC Polkton, NC Polkville, NC Pollocksville, NC Pope A F B, NC Poplar Branch, NC Potecasi, NC Powells Point, NC Powellsville, NC Princeton, NC Proctorville, NC Prospect Hill, NC Providence, NC Purlear, NC – R – Cities in North Carolina that begin with the letter “R”. Raeford, NC Raleigh, NC Ramseur, NC Randleman, NC Red Oak, NC Red Springs, NC Reidsville, NC Rex, NC Rhodhiss, NC Rich Square, NC Richfield, NC Richlands, NC Ridgecrest, NC Ridgeway, NC Riegelwood, NC Roanoke Rapids, NC Roaring Gap, NC Roaring River, NC Robbins, NC Robbinsville, NC Robersonville, NC Rockingham, NC Rockwell, NC Rocky Mount, NC Rocky Point, NC Rodanthe, NC Roduco, NC Rolesville, NC Ronda, NC Roper, NC Rose Hill, NC Roseboro, NC Rosman, NC Rougemont, NC Rowland, NC Roxboro, NC Roxobel, NC Ruffin, NC Rural Hall, NC Rutherford College, NC Rutherfordton, NC – S – Cities in North Carolina that begin with the letter “S”. Saint Pauls, NC Salemburg, NC Salisbury, NC Salter Path, NC Saluda, NC Salvo, NC Sandy Ridge, NC Sanford, NC Sapphire, NC Saratoga, NC Saxapahaw, NC Scaly Mountain, NC Scotland Neck, NC Scotts, NC Scottville, NC Scranton, NC Seaboard, NC Seagrove, NC Sealevel, NC Sedalia, NC Selma, NC Semora, NC Seven Springs, NC Severn, NC Shallotte, NC Shannon, NC Sharpsburg, NC Shawboro, NC Shelby, NC Sherrills Ford, NC Shiloh, NC Siler City, NC Siloam, NC Simpson, NC Sims, NC Skyland, NC Smithfield, NC Smyrna, NC Sneads Ferry, NC Snow Camp, NC Snow Hill, NC Sophia, NC South Brunswick, NC South Mills, NC Southern Pines, NC Southmont, NC Southport, NC Sparta, NC Speed, NC Spencer, NC Spindale, NC Spring Hope, NC Spring Lake, NC Spruce Pine, NC Stacy, NC Staley, NC Stanfield, NC Stanley, NC Stantonsburg, NC Star, NC State Road, NC Statesville, NC Stedman, NC Stella, NC Stem, NC Stokes, NC Stokesdale, NC Stoneville, NC Stonewall, NC Stony Point, NC Stovall, NC Stumpy Point, NC Sugar Grove, NC Summerfield, NC Sunbury, NC Sunset Beach, NC Supply, NC Swannanoa, NC Swanquarter, NC Swansboro, NC Swepsonville, NC Sylva, NC – T – Cities in North Carolina that begin with the letter “T”. Tabor City, NC Tar Heel, NC Tarawa Terrace, NC Tarboro, NC Taylorsville, NC Teachey, NC Terrell, NC Thomasville, NC Thurmond, NC Tillery, NC Timberlake, NC Toast, NC Tobaccoville, NC Todd, NC Topton, NC Townsville, NC Traphill, NC Trenton, NC Trinity, NC Troutman, NC Troy, NC Tryon, NC Tuckasegee, NC Turkey, NC Turnersburg, NC Tuxedo, NC Tyner, NC – U – Cities in North Carolina that begin with the letter “U”. Union Grove, NC Union Mills, NC – V – Cities in North Carolina that begin with the letter “V”. Valdese, NC Vale, NC Valle Crucis, NC Vanceboro, NC Vandemere, NC Vass, NC Vaughan, NC Vilas, NC – W – Cities in North Carolina that begin with the letter “W”. Waco, NC Wade, NC Wadesboro, NC Wagram, NC Wake Forest, NC Walkertown, NC Wallace, NC Wallburg, NC Walnut Cove, NC Walstonburg, NC Wanchese, NC Warne, NC Warrensville, NC Warrenton, NC Warsaw, NC Washington, NC Watha, NC Waves, NC Waxhaw, NC Waynesville, NC Weaverville, NC Webster, NC Welcome, NC Weldon, NC Wendell, NC Wentworth, NC West End, NC West Jefferson, NC Westfield, NC Whitakers, NC White Oak, NC White Plains, NC Whiteville, NC Whitsett, NC Whittier, NC Wilkesboro, NC Willard, NC Williamston, NC Williston, NC Willow Spring, NC Wilmington, NC Wilson, NC Wilsons Mills, NC Windsor, NC Winfall, NC Wingate, NC Winnabow, NC Winston Salem, NC Winterville, NC Winton, NC Wise, NC Woodland, NC Woodleaf, NC Wrightsboro, NC Wrightsville Beach, NC – Y – Cities in North Carolina that begin with the letter “Y”. Yadkinville, NC Yanceyville, NC Youngsville, NC – Z – Cities in North Carolina that begin with the letter “Z”. Zebulon, NC Zionville, NC Zirconia, NC
Source: medicaresupplementsolutions.com

2015 North Carolina Medicare Part D Prescription Drug Plan Highlights www.Q1Medicare.com

Coverage Gap the Donut Hole: In the CMS Standard Plan, the beneficiary must pay the next $3720 in drug costs (the Donut Hole). The Healthcare Reform provides that for Plan Year 2015, ALL formulary generics will have at least a 35% discount and ALL brand drugs will have at least a 55% discount in the coverage gap. The Gap Coverage Types discussed in this section are in addition to the Healthcare Reform mandated discounts. In our chart, you will see one of the following:
Source: q1medicare.com

Medicare Dental Insurance Plans in North Carolina ~ MedicareWire

This is a private website and is not associated, endorsed or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services nor do we claim to be. This site contains basic information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Government Medicare program please visit the Official US Government Site for People with Medicare located at www.medicare.gov.
Source: medicarewire.com

NC DMA: Medicaid for Medicare Recipients

Medicare-Aid is a free Medicaid program for people who have Medicare and also have limited income and resources. The program can help pay your Medicare premiums, co-payments and deductibles. It is also known as Medicare Savings Program. There are three different levels of Medicare-Aid. All are based on an individual’s countable income.
Source: ncdhhs.gov

Windsor Medicare Extra (HMO)

Posted by:  :  Category: Medicare

The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the plan. Benefits, formulary, pharmacy network, provider network, premium and/or co-payments/co-insurance] may change on January 1 of each year. Limitations, copayments, and restrictions may apply.
Source: windsorhealthplan.com

Medicare Advantage Fact Sheet

Posted by:  :  Category: Medicare

Since 2006, Medicare has paid plans under a bidding process.  Plans submit “bids” based on estimated costs per enrollee for services covered under Medicare Parts A and B; all bids that meet the necessary requirements are accepted.  The bids are compared to benchmark amounts that are set by a formula established in statute and vary by county (or region in the case of regional PPOs).  The benchmarks are the maximum amount Medicare will pay a plan in a given area. If a plan’s bid is higher than the benchmark, enrollees pay the difference between the benchmark and the bid in the form of a monthly premium, in addition to the Medicare Part B premium.  If the bid is lower than the benchmark, the plan and Medicare split the difference between the bid and the benchmark; the plan’s share is known as a “rebate,” which must be used to provide supplemental benefits to enrollees.  Medicare payments to plans are then adjusted based on enrollees’ risk profiles.
Source: kff.org

Michigan Medicare Health Insurance Plans

Medicare is a health insurance program run by the government for people age 65 and older, and for people under 65 with certain disabilities. Understanding more about Medicare will make it easier to choose the right plan. Our Medicare 101 section has resources to help you do that.
Source: bcbsm.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

CarePlus Florida 2011 Medicare Advantage Plans

CareDirect (HMO SNP) Plan in Miami-Dade county and CareComplete (HMO) Plan will not be renewing its Medicare contract effective January 1, 2012. You may choose to enroll in our plan, but your coverage will automatically end on December 31, 2011. Because this plan ends on December 31, 2011, if you decide to join, you are entitled to enroll in a new MA plan or PDP beginning December 8,2011 through February 29,2012. However, if you want your enrollment in the new plan to take effect on January 1, 2012, the new plan must receive your application by December 31st. You may also have the option of enrolling in a Medicare Cost Plan, if one is offered in your area. If you do not enroll in another MA plan, Medicare Cost Plan or PDP by December 31, 2011, you will be disenrolled from our plan and enrolled in Original Medicare on this date.
Source: care-plus-health-plans.com

Medicare Resource Center: learn about Part D, Advantage, Medigap and more

Throughout the recent health care debate, Americans heard that health reform could weaken or even wipe out Medicare. Now, with the passage of the Affordable Care Act, experts say the reforms will likely strengthen Medicare and extend its life to 2029. That’s good news, considering that millions of Americans now pay into Medicare through payroll taxes and are anxiously waiting to become eligible for its benefits.
Source: medicareresources.org

Medicare Changes and Health Reform

Posted by:  :  Category: Medicare

Your Medicare Advantage Plan Can Get a Bonus Medicare maintains a 5-star quality rating system for health plans, which you can review online or in Medicare & You – the yearly benefit booklet you get from Medicare. Beginning in 2012, Medicare will provide bonuses to Medicare Advantage plans receiving four or more stars. This is important information for you to know; you can be assured that your plan is well run and provides high quality service, and the bonus may help hold down premium increases or the elimination of benefits.
Source: about.com

Medicare Reform Stage 2: Moving to a Premium Support Program

[35]Aaron and Reischauer, for example, opposed using the lowest-cost-plan bid as the benchmark for a “premium free” option. They expressed an understandable concern that it would attract enrollees into a plan that might be efficient but would be characterized by a “Spartan delivery system”; such a plan, they feared, might not be able to absorb the influx of large enrollment of low-income persons without compromising quality of care. Aaron and Reischauer, “The Medicare Reform Debate,” p. 23. But this problem could be alleviated, as noted, by using an average of the three or five lowest-cost bids in a region. In either case, lifting the cap on the government contribution to the lowest-cost plan (or the average of the lowest-cost plans setting the government payment) could generate even greater savings. In the FEHBP, for example, there is a 75 percent cap on the government contribution to employees’ choice of health plan under the existing payment formula. As a practical matter, this means that federal workers and their families must pick up 25 percent of the cost of any plan, no matter how efficient that lower-cost plan is in delivering benefits. An effective consumer-choice system would encourage consumers to secure 100 percent of the costs for picking less expensive plans. Thus, The Heritage Foundation recommended the removal of the 75 percent cap on the defined contribution in the FEHBP. See Angela M. Antonelli and Peter B. Sperry, eds., A Budget for America: A Mandate for Leadership Project (Washington, D.C.: The Heritage Foundation, 2001), pp. 331–332.
Source: heritage.org

Obamacare’s Impact on Medicare Advantage

Build on the steady progress in risk adjustment. Risk adjustment is a tool used to address selection bias in Medicare Advantage and other private insurance programs. The goal is to mitigate an insurer’s ability to tailor plans to attract a disproportionate share of the most profitable enrollees—healthier enrollees that consume less medical services. Every major Medicare reform proposal, based on premium support, would provide risk adjustment or significantly improve the risk-adjustment formulas or mechanisms that currently exist in the MA or Medicare Part D program. Risk adjustment could either be prospective or retrospective. Prospective risk adjustment already characterizes Medicare Advantage and Medicare Part D, where government per capita payments are adjusted by demographic factors, such as age, sex, institutional or Medicaid status, and medical conditions. Retrospective risk adjustment—back-end adjustments—would be based on new pooling arrangements, such as a risk-transfer pool. In that arrangement, health plans that attracted higher-risk or more costly patients would be cross-subsidized by plans that attracted fewer high-risk or less costly patients. The value of these types of arrangements is that they would be based on hard data and not on educated guesswork or projections. The Wyden–Ryan plan, for example, includes such an approach. The Heritage proposal would include both prospective and retrospective risk adjustment. Applying the lessons from MA’s risk-adjustment experience could mitigate the risks that only the unhealthy would be stuck in Medicare fee-for-service plans, leaving the plans’ costs to escalate and grow further away from the premium support benchmark, and thus more expensive for enrollees. Over the past decade, as Alice Rivlin and others have noted, the risk-adjustment mechanism used in Medicare Advantage has significantly improved and succeeded in reducing favorable selection in the program. In the future, with the adoption of defined-contribution financing for the entire Medicare program, one can expect further refinements and innovative approaches to adjusting government per capita payments. One particularly interesting approach has been developed by Zhou Yang, professor of economics at Emory University. Professor Yang’s proposal, to be implemented within an environment of competitive health plans, would tie Medicare payments to positive behavioral changes: Enrollees would be rewarded for enrollment in wellness or preventive-care programs that promote a healthier (and thus less costly) lifestyle.[44]
Source: heritage.org

Medicare Supplement Comparison

Posted by:  :  Category: Medicare

When you are first going on Medicare, you get inundated with enormous amounts of information – through the mail, on the phone, by email – everyone wants to be your friend when you turn 65! While there is some good information out there, it is easy to allow the clutter to overwhelm you or “turn you off” to the process. Sorting through the supplement plans is actually not as difficult as you may think, however. With the standardization of plan coverage, as well as the fact that all plans can be used at any doctor that takes Medicare nationwide, and all claims are paid through the standardized Medicare “crossover” system, there are not that many variables to consider when comparing companies. The main things that you should compare are Medicare Supplement rates and company ratings. You can do these one of two ways – you can either call the companies themselves to obtain the rates (or more likely set meetings to get the rates – which some companies require) or you can obtain them in a centralized place through a broker. Whether it is us or someone else, we would certainly recommend comparing rates via a broker/agency. By doing so, you can get a centralized comparison of plan options in an unbiased way at no cost or obligation. Either way you do it, the most important thing to do is base your decision on the two factors that vary – monthly premium and company rating.
Source: medicare-supplement-comparison.com

Best Medicare Supplement Insurance Quotes

Every Medicare supplemental insurance plan must follow federal and state laws designed to protect you. Medicare supplement plan insurance companies can only sell you a “modernized” Medicare supplemental insurance plan identified by letters A through N. Each modernized Medicare supplemental insurance plan must offer the same basic benefits, no matter which insurance company sells it.
Source: medicaresupplementplans.com

Medicare Supplement Plans & Quotes

Turning 65 is stressful, and the amount of information people receive leading up to their birthday is astounding. From the stacks of mail piling up on your desk, to the seemingly endless phone calls and quotes from insurance companies and agents, the task of gathering honest, unbiased information can feel impossible. Our goal is to offer what nobody else will, which is why we provide medicare supplement quotes, financial ratings, benefit information, application fee data, price history, and pricing methodology for all supplemental insurance companies in one clean, concise report. Our free, no obligation service is designed to give you the information you need regarding Part D and Medicare Supplement Plans in order to make an educated purchasing decision. In addition, we offer continued support for all of our customers to ensure they have no claims or billing issues. On an annual basis we review all medicare supplement insurance quotes and plan options in an effort to notify our customers of any new or better plans that may be available.
Source: medicaresupplementshop.com

Compare Medicare Advantage & Supplemental Plans

Medicare Advantage insurance is offered by private insurance companies with a Medicare contract, and replaces Original Medicare Part A and Part B. You must continue to pay your Part B premiums. Medicare Advantage plans typically offer additional benefit options and have less cost-sharing than Original Medicare, and you may have to pay a monthly premium in return for the extra benefits. Medicare Advantage plans come in a variety of formats, such as HMO, PPO and PFFS plans, as well as special needs plans. Medicare beneficiaries can enroll in Medicare Advantage plans if they have Medicare Part A and Part B, but only during designated enrollment periods. These enrollment periods change from time-to-time, so please call us to get the most-up-to-date information.
Source: medicaresolutions.com

Compare Medicare Supplement Plans

For Texas residents. If a checkmark appears in a column of this Medicare Supplement chart, the Medigap policy covers 100% of the described medicare benefit. If a column lists a percentage, the medicare supplement policy covers that percentage of the described medicare benefit. If a column is blank, the medicare supplement insurance policy doesn’t cover that benefit.
Source: mysenioradvisorsgroup.com

Compare Medicare Supplement (Medigap) Plans and Rates in Your Area

"Times have changed since my mother had an AARP J plan and I was totally confused by the options available. Stan walked me through the process in a very educational, methodical, friendly way, and I feel secure now that we’re making the correct decision to provide the best possible coverage for my husband." – Pat K.
Source: medigap360.com

Medicare Supplement Plans

To be eligible to enroll in a Medicare Supplement plan, you must be enrolled in both Medicare Part A and Part B. The best time to enroll in a plan is during the Medigap Open Enrollment Period, which begins on the first day of the month that you are both age 65 or older and enrolled in Part B, and lasts for six months. During this period, you have the guaranteed issue right to join any plan of your choice, meaning that you may not be denied coverage based on any pre-existing conditions. If you miss this enrollment period and attempt to enroll in the future, you may be denied coverage based on your medical history.
Source: ehealthinsurance.com

The Eligibility Verification Site! Check Medicare Benefits Instantly

Posted by:  :  Category: Medicare

The Eligibility Verification Site! Aids your practice in getting paid accurately and getting paid quickly. Our online service provides every size practice with an affordable, real-time way to check eligibility on over 500 of the largest benefit payers, like: Medicare, Medicaid, BCBS, United Healthcare, Cigna, Etna, ..plus hundreds of others.   
Source: eligibilityverification.net

MassHealth Eligibility Check

The eligibility check results will show if you are likely to be eligible for MassHealth at this time, based on the information you entered. They will also tell you the type of coverage you are likely to get. If the results show that you are not likely to be eligible for MassHealth, you will be told the reason why.
Source: massresources.org

Medicare Supplement Plans & Quotes

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Turning 65 is stressful, and the amount of information people receive leading up to their birthday is astounding. From the stacks of mail piling up on your desk, to the seemingly endless phone calls and quotes from insurance companies and agents, the task of gathering honest, unbiased information can feel impossible. Our goal is to offer what nobody else will, which is why we provide medicare supplement quotes, financial ratings, benefit information, application fee data, price history, and pricing methodology for all supplemental insurance companies in one clean, concise report. Our free, no obligation service is designed to give you the information you need regarding Part D and Medicare Supplement Plans in order to make an educated purchasing decision. In addition, we offer continued support for all of our customers to ensure they have no claims or billing issues. On an annual basis we review all medicare supplement insurance quotes and plan options in an effort to notify our customers of any new or better plans that may be available.
Source: medicaresupplementshop.com

Best Medicare Supplement Insurance Quotes

Every Medicare supplemental insurance plan must follow federal and state laws designed to protect you. Medicare supplement plan insurance companies can only sell you a “modernized” Medicare supplemental insurance plan identified by letters A through N. Each modernized Medicare supplemental insurance plan must offer the same basic benefits, no matter which insurance company sells it.
Source: medicaresupplementplans.com

Compare Medicare Supplement (Medigap) Plans and Rates in Your Area

"Times have changed since my mother had an AARP J plan and I was totally confused by the options available. Stan walked me through the process in a very educational, methodical, friendly way, and I feel secure now that we’re making the correct decision to provide the best possible coverage for my husband." – Pat K.
Source: medigap360.com

Medicare.gov: the official U.S. government site for Medicare

The page could not be loaded. The Medicare.gov Home page currently does not fully support browsers with "JavaScript" disabled. Please note that if you choose to continue without enabling "JavaScript" certain functionalities on this website may not be available.
Source: medicare.gov

Medicare Supplement Insurance Quote Engine

In addition to Medicare supplement insurance, we are pleased to be participating in the Medicare Advantage market. The Medicare Advantage policy is a low cost alternative to a Medicare supplement policy and is especially advantageous for those less than 65 years old. The Private Fee For Service (PFFS) is a type of Advantage plan that allows Medicare recipient to visit any doctor, any hospital, anywhere. Therefore, many Medicare recipients are well served by the lower cost Private Fee For Service plan.
Source: bestmedicaresupplement.com

Medicare Part D coverage gap

In 2006, the first year of operation for Medicare Part D, the donut hole in the defined standard benefit covered a range in true out-of-pocket expenses (TrOOP) costs from $750 to $3,600. (The first $750 of TrOOP comes from a $250 deductible phase, and $500 in the initial coverage limit, in which the Centers for Medicare and Medicaid Services (CMS) covers 75 percent of the next $2,000.) In the first year of operation, there was a substantial reduction in out-of-pocket costs and a moderate increase in medication utilization among Medicare beneficiaries, although there was no evidence of improvement in emergency department use, hospitalizations, or preference-based health utility for those eligible for Part D.
Source: wikipedia.org

Medicare.gov: the official U.S. government site for Medicare

Posted by:  :  Category: Medicare

The page could not be loaded. The Medicare.gov Home page currently does not fully support browsers with "JavaScript" disabled. Please note that if you choose to continue without enabling "JavaScript" certain functionalities on this website may not be available.
Source: medicare.gov

Medicare Plan Finder for Health, Prescription Drug and Medigap plans

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Source: medicare.gov

Compare Medicare 2015 health plans options in Connecticut , Medicare Advantage plans in Connecticut, Medicare Supplements, What are my 2014 Medicare plan choices in Connecticut, CT, Medicare choices, Medicare Part D, 2014 Connecticut Medicare Plan Choices, choices and Medicare options information for Connecticut Residents, Medicare Advantage plans for 2014, How do I compare Medicare Plans in Connecticut?

Medicare Options, LLC, provides enrollment assistance for senior and disabled residents of Connecticut with their Medicare Health Plan choices including Medicare Medigap plans in Connecticut, Medicare Advantage Plans, Part D prescription drug plans from Aetna, ConnectiCare, United Healthcare, and WellCare in the towns of: Amston, Andover, Avon, Baltic, Berlin, Bloomfield, Bolton, Bozrah, Brandford, Bristol, Burlington, Centerbrook, Cheshire, Chester, Clinton, Colchester, Columbia, Coventry, Cromwell, Deep River, Durham, East Berlin, East Glastonbury, East Haddam, East Hampton, East Hartford, East Killingly, East Lyme, East Windsor, Ellington, Elmwood, Essex, Farmington, Forestville, Glastonbury, Groton, Guilford, Haddam, Hadlyme, Hamden, Hartford, Hebron, Higganum, Ivoryton, Jewett City, Kensington, Killingly, Killingworth, Lebanon Ledyard, Lyme, Madison, Manchester, Marlbourgh, Meriden, Middle Haddam, Milldale, Moodus, Moosup, Mystic, New Britain, New London, Newington, North Branford, Norwich, Old Lyme, Old Mystic, Old Saybrook, Plainville, Plantsville, Poquonock, Portland, Preston, Rockfall, Salem, Saybrook, South Glastonbury, South Lyme, South Windsor, Southington, Terryville, Tolland, Uncasville, Vernon, Wallingford, Waterford, West Hartford, West Mystic, Westbrook, Wethersfield, Windsor, Windsor Locks. We serve the counties of, Hartford County, Tolland County, New London County, Middlesex County, New Haven County, Litchfield County. We are licensed and Certified to advise and enroll medicare recipients on medicare supplements, medicare advantage plans, medicare part D prescription coverage, retirement planning, Long-Term care options, fixed annuities, Reverse Mortgage programs, and eldercare attorney referrals. Consult a tax advisor before making tax related decisions. Consult an attorney specializing in estate planning before making any decisions regulated by federal or state law, such as trusts and wills. MedicareOptions.info provides free information on Medicare options in Connecticut. Medicare Plan Choices in Connecticut for 2014 will help seniors find the best medicare plan for their situation. This site allows people to compare Medicare Advantage Plans in Connecticut. We do not choose which plan is best for beneficiaries, but provide information on Medicare Plans so they can compare their Medicare Choices. Most Medicare Beneficiaries simply want to know, how do I compare Medicare plans in Connecticut. We help them find the best Medicare Plan that suits your particular needs for 2015.
Source: medicareoptions.info

Michigan Medicare Health Insurance Plans

Medicare is a health insurance program run by the government for people age 65 and older, and for people under 65 with certain disabilities. Understanding more about Medicare will make it easier to choose the right plan. Our Medicare 101 section has resources to help you do that.
Source: bcbsm.com

Medicare Care Choices Model

Currently, Medicare beneficiaries are required to forgo curative care in order to receive access to palliative care services offered by hospices. This Model will test whether Medicare beneficiaries who qualify for coverage under the Medicare hospice benefit would elect to receive the palliative and supportive care services typically provided by a hospice if they could continue to seek services from their curative care providers. CMS will study whether access to such services will result in improved quality of care, patient and family satisfaction, and whether there are any effects on use of curative services and the Medicare hospice benefit.
Source: cms.gov

Georgia Medicare Supplements

Posted by:  :  Category: Medicare

Georgia Medicare Supplements provides an added bonus as well as competitive rates: a staff that is dedicated to helping you complete your application and answer any questions you may have before or after you receive coverage. This includes discussing health conditions, the six-month waiting period, rate guarantees, and premium changes that might matter to you while getting your coverage. Finding an agent that specializes in this area is important so that no mistakes are made.
Source: georgiamedicaresupplements.com

Medicare Information for Retirees

Annuitants and certain individuals on subsidized extended coverage age 65 or older who wish to pay subsidized rates for health insurance premiums must enroll in the Medicare Advantage (MA) PPO Standard or Premium option offered by Blue Cross Blue Shield of Georgia (BCBSGa).  See Plan Documents for rate resolutions and annuitant subsidy policies.
Source: georgia.gov

Medicare.gov: the official U.S. government site for Medicare

The page could not be loaded. The Medicare.gov Home page currently does not fully support browsers with "JavaScript" disabled. Please note that if you choose to continue without enabling "JavaScript" certain functionalities on this website may not be available.
Source: medicare.gov