WellPoint on the Forbes Global 2000 List

Posted by:  :  Category: Medicare

and hospital only and limited benefit products. The company operates through three reportable segments: Commercial, Consumer and Other. The Commercial segment includes local group, national accounts and certain other ancillary business operations. Business units in the Commercial segment offer fully-insured products and provide a broad array of managed care services to self-funded customers, including claims processing, underwriting, stop loss insurance, actuarial services, provider network access, medical cost management, disease management, wellness programs and other administrative services. The Consumer segment includes senior, state-sponsored and individual businesses. The senior business includes services such as Medicare Advantage, Medicare Part D and Medicare Supplement, while the state-sponsored business includes its managed care alternatives for Medicaid and state children’s health insurance plan programs. The Other segment includes the comprehensive health solutions business unit, which brings together its resources focused on optimizing the quality of health care and cost of care management. In addition, it provides a broad array of managed care services to self-funded customers, including claims processing, underwriting, stop loss insurance, actuarial services, provider network access, medical cost management, disease management, wellness programs and other administrative services. The company also provides specialty and other products and services, including life and disability insurance benefits, dental, vision, behavioral health benefit services, radiology benefit management, analytics-driven personal health care guidance, long-term care insurance and flexible spending accounts. WellPoint was founded on November 30, 2004 and is headquartered in Indianapolis, IN.
Source: forbes.com

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 – Search by Plan Name and/or ID

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

Dental Insurance for Seniors on Medicare

Posted by:  :  Category: Medicare

Senior citizens all across the U.S. are seeking coverage to aid in reducing their dental expenditures. Currently, minimal government assistance is available for seniors who need dental insurance. The majority of Medicare and Medicaid programs do not include dentistry. Even those programs that do include coverage for seniors only contain provisions for extractions of teeth, and exclude the majority of the common oral procedures often required for older patients. Practically no help is available for obtaining primary tooth repair or for having missing teeth replaced. Usually Medicare and Medicaid supply virtually no aid for just about any type of oral care.
Source: medicarewire.com

Medicare Advantage Dental, Medicare Advantage Dental Plan

Aetna Medicare is an HMO/PPO/PDP plan with a Medicare contract. Enrollment in Aetna Medicare depends on contract renewal. The benefit information provided is a brief summary, not a complete description of benefits. For more information, contact the plan. Limitations, copayments, and restrictions may apply. Benefits, formulary, pharmacy network, provider network, premium and/or copayments/coinsurance may change on January 1 of each year.
Source: aetnamedicare.com

Dental Coverage Under Medicare

You may also have group dental insurance available, if either you or your spouse is employed. Be sure to read the plans carefully. Some dental plans require you to stay within a network of dental care providers. The premiums may be a bit higher for this type of plan, but the costs are offset by lower out-of-pocket fees, like copayments, coinsurance, and deductibles, mainly because network dentists usually agree to charge discounted rates to members of the dental plan. Other plans let you go to any licensed dental professional, but you may have to pay more at the time of service.
Source: ehealthmedicare.com

About Medicare health plans

Posted by:  :  Category: Medicare

Generally, a plan offered by a private company that contracts with Medicare to provide Part A and Part B benefits to people with Medicare who enroll in the plan. Medicare health plans include all Medicare Advantage Plans, Medicare Cost Plans, and Demonstration/Pilot Programs. Programs of All-inclusive Care for the Elderly (PACE) organizations are special types of Medicare health plans that can be offered by public or private entities and provide Part D and other benefits in addition to Part A and Part B benefits.
Source: medicare.gov

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

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

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 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

UnitedHealthcare Health Insurance

Insurance products and services offered are underwritten by All Savers Insurance Company, Health Plan of Nevada, Inc., UnitedHealthcare Community Plan, Inc., UnitedHealthcare Insurance Company, UnitedHealthcare of Alabama, Inc., UnitedHealthcare of Florida, Inc., UnitedHealthcare of Louisiana, Inc., UnitedHealthcare of the Mid-Atlantic, Inc., UnitedHealthcare of the Midwest, UnitedHealthcare of Mississippi, Inc., UnitedHealthcare of New England, Inc.,  UnitedHealthcare of New York, Inc., UnitedHealthcare of North Carolina, Inc., UnitedHealthcare of Ohio, Inc., UnitedHealthcare of Pennsylvania, Inc., Oxford Health Plans (NJ), Inc.
Source: uhc.com

California Health Advocates: Medicare Policy, Advocacy and Education

Bonnie Burns, our Training and Policy Specialist, begins her 23rd term as one of the 20 appointed and funded consumer liaison representatives by the National Association of Insurance Commissioners (NAIC). Ms. Burns spearheaded the standardization of Medicare supplemental insurance, known as Medigap and has provided numerous Congressional testimonies guiding the standardization of long-term care insurance and the policies for financing long-term care.
Source: cahealthadvocates.org

Pennsylvania Medicare Supplement

Posted by:  :  Category: Medicare

I found www.mymedicareadvisor.com through the internet.  I was expecting a clerk to answer the phone, from some far away land, who would give me the run-around for 10 minutes.  What I got instead completely floored me.  I was transferred right away to Allen Heffler in a matter of five seconds.  He was the complete opposite of what I expected.  He spent over 30 minutes with me over the telephone.  Not once, did Allen try to sell me anything.  Instead, he answered my questions and he educated me about all my options.  In a follow-up phone call, he went through the plan that I was interested, discussed several carriers, and started the paperwork.  For everything that he did for me, I can’t believe that he doesn’t cost a penny!  I couldn’t have asked for a more professional experience than working with Allen.  I strongly recommend his services.
Source: mymedicareadvisor.com

Pennsylvania Medicare Plans

To qualify for any one of these programs, participants must have assets below $6,600 or be part of a couple with assets below $9,910. State Health Insurance Assistance Program The APPRISE Health Insurance Counseling and Assistance Program operates a toll-free telephone system with call centers in 11 AAAs throughout the state. State grants to local sponsors fund a paid coordinator at locations throughout the state and support other related SHIP activities. APPRISE coordinates with community partners throughout the State to enhance information dissemination to beneficiaries as well as promote volunteer participation in the program. http://www.portal.state.pa.us/portal/server.pt?open=514&objID=616587&mode=2 High-Risk Pool Pennsylvania does not have a state-run high-risk insurance pool. Low-Income Subsidy (“extra-help”) for Prescription Drugs This program is a subsidy for Part D recipients with resources under $13,070 (or $26,120 for a couple) to receive money towards a Medicare prescription drug plan. The benchmark of support is different depending on which region of the country you live in. In Pennsylvania in 2012, the low-income subsidy was $34.32 per month.
Source: medicaresolutions.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 Supplemental Insurance PA

This chart gives you a quick look at the standardized Medicare Supplemental Insurance Plans A through N and their benefits. Every insurance company must make Medicare Supplemental Insurance "Plan A" available if they offer any other Medicare Supplement insurance policy. Not all types of Medicare Supplemental Insurance policies are offered by all companies and some Medicare Supplemental Insurance policies may not be available in your state. For More information see complete CMS Guide to choosing a Medigap Policy.
Source: mysenioradvisorsgroup.com

Pennsylvania (PA) Medicare Insurance Plan Options

There are 2,350,558 total beneficiaries enrolled in the Medicare program in Pennsylvania in 2012. Of this total, there are 900,335 residents enrolled in a Medicare Advantage plan, through which they are guaranteed the same coverage provided through Original Medicare. In 2010, 718,543 Pennsylvania residents received their prescription drug coverage through a stand-alone Part D prescription drug plan (PDP) while 700,506 received coverage for both their medications and Original Medicare benefits through a Medicare Advantage Prescription Drug plan (MAPD).
Source: medicareconsumerguide.com

Allen Heffler Medicare Insurance in Philadelphia PA

"When I retired last year, my only plan was to relax and spend more time with my family. I had no idea that finding the right coverage plan to supplement my Medicare would be such a hassle. Lucky for me, My Medicare Advisor made it easy, guiding me through what would have otherwise been a difficult transition."
Source: mymedicareadvisor.com

Coventry Medicare: Advantra (HMO/PPO)

Whether you are an employer, health care provider, someone interested in enrolling, or already a current member, our goal is to provide you with valuable and convenient online resources and information. Come explore the ways in which we can help you take charge of your Medicare Advantage coverage.
Source: coventryhealthcare.com

Medicare Advantage Plans: Medicare HMO Blue

Posted by:  :  Category: Medicare

Medicare HMO Blue offers you an optional pharmacy benefit. It’s completely voluntary. If you decide you do want to enroll in our prescription coverage, it’s important to know that Medicare HMO Blue (Blue Care®65) uses a pharmacy formulary. A formulary is a preferred list of medications selected to meet patient needs. Not all medications are covered under a formulary. Periodically, we may make changes to the covered medications on our formulary. If we remove a medication from the formularly, you will be notified, in writing, before the change is made. If you are interested in enrolling in Medicare HMO Blue, and would like to learn more about medications covered under our formulary, click here. (Our pharmacy formulary may differ from the formulary used for Blue Medicare Rx.)
Source: bluediner.net

Florida Blue Medicare Regional PPO & HMO

Use providers inside our extensive BlueMedicare HMO & PPO network and enjoy affordable copays. Plus, the plan provides Medicare Part D Prescription Drug coverage for generic and brand name drugs with mail order pharmacy benefits included for their convenience. With affordable premiums, modest fixed copays and maximum out-of-pocket limits, BlueMedicare members can budget their health care costs without changing their lifestyle. Please note that with any Medicare Advantage plan, members are required to continue paying their Medicare Part B (medical insurance) premium unless paid for by Medicaid or another third party. This is a Medicare Advantage plan, not a Medicare Supplement plan.
Source: securehealthoptions.com

What is the Income limit set by Social Security when applying for extra help with Medicare prescription drug plan costs?

Posted by:  :  Category: Medicare

(Source: Social Security Administration: Understanding The Extra Help With Your Medicare Prescription Drug Plan publication 10508, SSA Publication No. 05-10115, January 2011. Additional examples and links from Q1Group LLC)
Source: q1medicare.com

Medicare Savings Programs: Eligibility, Benefits & Income Limits

Skilled Nursing Facilities Medicare will pay for 100% of the cost of care for 20 days at a skilled nursing facility and 80% of the cost for 80 more days. The care must be for short term recovery following a hospital stay. Assisted Living Communities Medicare does not cover any cost of assisted living. It will pay for some medical costs incurred while the senior is in assisted living, but will pay nothing toward custodial care or room and board. In Home Care Medicare will cover skilled nursing care given in the home for a limited time period, but not non-medical care. Care must be prescribed by a doctor and needed part-time only. The senior must be “confined” meaning they are unable to leave the home without the assistance of another person. Medicare hospice care is the one notable exception to this rule. Adult Day Care Medicare does not pay for adult day care services
Source: payingforseniorcare.com

California Health Advocates: Medicare Policy, Advocacy and Education

Posted by:  :  Category: Medicare

Bonnie Burns, our Training and Policy Specialist, begins her 23rd term as one of the 20 appointed and funded consumer liaison representatives by the National Association of Insurance Commissioners (NAIC). Ms. Burns spearheaded the standardization of Medicare supplemental insurance, known as Medigap and has provided numerous Congressional testimonies guiding the standardization of long-term care insurance and the policies for financing long-term care.
Source: cahealthadvocates.org

California Medicare Plans Benefits And Premium Information Publications And Forms

We provide access to plan benefit guides, forms and publications along with general and specific insurance information for all California beneficiaries. You will find many details and links listed on this site. You may also make an instant request for materials or call our Toll-Free Medicare insurance helpline which is 800-458-7805 Need Help Fast?? Click Here  You should seek the advice of an insurance professional if you are not sure how each insurance plan works. You should not have to pay for the consultation since insurance brokers are usually paid directly from insurance companies. A good Broker or Agent should give you a non-biased opinion of many plans and answer your specific questions. We have a staff of insurance professionals available to answer any of your questions and we will provide you with specific enrollment materials or Medicare Plan summary of benefits by request. 2012 Medicare And You Hand Book Please feel free to use any of our resources and don’t hesitate to call our helpline at any time. We are happy to answer questions and provide you with any forms or publications that you may need. Individual Non Medicare Insurance From AETNA For Those Under 65 You may download anything you would like from this site for free or you may also visit our other site at www.todaysmedicare.com check back often. This site will be updated regularly. Check back often for updated information or call our Toll Free Helpline 1-800-683-6729
Source: californiamedicare.org

Health Insurance California

Now that the Affordable Care Act (ACA) has become law it is more important than ever to have proper health coverage and our agents can help you find the benefits and savings available to you. BenefitPackages.com is a Certified Insurance Agency (CIA) for the CoveredCA health insurance exchange, not to mention we are one of the biggest Senior and Individual health insurance agencies off the Exchange in the state of California. Let us help you get covered.
Source: benefitpackages.com

California Department of Aging

The California Department of Aging (CDA) administers programs that serve older adults, adults with disabilities, family caregivers, and residents in long-term care facilities throughout the State. The Department administers funds allocated under the federal Older Americans Act, the Older Californians Act, and through the Medi-Cal program. The Department contracts with the network of Area Agencies on Aging, who directly manage a wide array of federal and state-funded services that help older adults find employment; support older and disabled individuals to live as independently as possible in the community; promote healthy aging and community involvement; and assist family members in their vital care giving role. CDA also contracts directly with agencies that operate the Multipurpose Senior Services Program through the Medi-Cal home and community-based waiver for the elderly, and certifies Adult Day Health Care centers for the Medi-Cal program. To find services in your community click here.
Source: ca.gov

Medicare Advantage California

*All information submitted is private and not shared with third parties. We have a no spam or solicitation policy. All data is used expressly by medicareadvantagecalifornia.com and qualified associated medicare brokers to provide consumers with requested California Medicare Advantage information and assistance. By clicking on ‘Submit’, you consent to receiving a phone call and/or email from a licensed insurance representative representing a top health insurance company such as Aetna, Anthem, Blue Cross Blue Shield, Humana, United Healthcare and WellPoint regarding Medicare Advantage, Medicare Supplement and / or Medicare Drug Plans. When calling our toll free number you will be connected to a qualified associated medicare broker to assist you.
Source: medicareadvantagecalifornia.com

2010 Medicare Part D Program Compared to 2009, 2008 and 2007

Posted by:  :  Category: Medicare

Reference-Based Pricing – Under these programs, sponsors may require enrollees to pay a defined cost-sharing amount plus supplemental cost-sharing based on the differential in cost between the drug being dispensed and a lower-cost preferred alternative such as a generic equivalent. In contract year 2009, fewer than 10% of Part D contracts used reference-based pricing. Given the complexity of reference-based pricing formulas, it is very difficult to accurately convey the extent of expected out-of-pocket spending for formulary drugs subject to reference-based pricing. For this reason, CMS has been unable to have the Medicare Prescription Drug Plan Finder (MPDPF) calculate correct pricing for drugs subject to reference-based pricing, which may distort projections of out-of-pocket expenditures for some beneficiaries and significantly affect their ability to compare cost-sharing obligations under different plans and choose the plan that best meets their needs. Based on CMS’ experience and the increased complexity, CMS has observed with these programs, CMS will eliminate the option of reference-based pricing in the Part D Prescription Benefit Program (PBP) beginning in CY 2010. The basis for this decision is CMS’ belief that reference-based pricing may be inherently misleading to beneficiaries and inconsistent with their goal of improving transparency with regard to expected beneficiary cost-sharing under the Part D program.
Source: q1medicare.com

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

ACP Internist, January 2010

CMS sees the physician work associated with a consultation and an office visit/initial hospital care service as “clinically similar.” CMS states that the consultations historically received higher payment because of the requirement that the consultant provide a written report back to the requesting physician. That significant discrepancy no longer exists, because the documentation requirements for consultations no longer call for a higher required level of formality. The agency had most recently permitted the report to be made in any form of written communication.
Source: acpinternist.org

Medicare Supplement Plans & Quotes

Posted by:  :  Category: Medicare

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

What’s Medicare Supplement Insurance (Medigap)?

Some Medigap policies also offer coverage for services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medigap policy pays its share.
Source: medicare.gov

Compare Medicare Supplement Rates In Your Area

Brandon Todd has been helping people on Medicare to access quality healthcare since 1997. His undying belief is that all seniors and those with disabilities should have complete access to our healthcare system without restriction and without insurance companies standing between them and their doctors.
Source: medigap360.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

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 Supplement Insurance and Plans

Medicare is the federal program the vast majority of Americans 65 and older depend on for their healthcare. People under 65 with disabilities and individuals with end-stage renal disease can also qualify. Medicare is commonly divided into four parts. Original Medicare Part A and Part B help pay costs for hospital care and medical expenses, respectively. Specifically, Part A pays for medically-necessary inpatient hospital services, skilled nursing facility care after a hospital stay, certain home healthcare, and hospice care. Part A does not pay for private hospital rooms, surgery that is not deemed medically-necessary, most care received outside the United States, unskilled personal care, and a variety of other services. Part B, meanwhile, pays only 80% of most Medicare-covered medical costs. Deductible, copayment, and coinsurance costs associated with Original Medicare add up quickly for many people.
Source: medicaremall.com

Medicare Supplemental Insurance & Medigap

Learn how a Mutual of Omaha Medicare supplement insurance plan can reduce your out-of-pocket health care costs. Review Medicare supplement insurance basics, determine which Medicare supplement insurance policy is best for you, or get a Medicare supplement insurance quote.
Source: mutualofomaha.com

COMBINED MEDICARE SUPPLEMENTAL INSURANCE

But most importantly, you want to be sure that when you require medical treatment your Medicare coverage provides sufficient benefits to meet your needs. We can answer these questions and show you how a Medicare Supplement policy from Combined Insurance can help pay many of the expenses not covered by Medicare.
Source: combinedinsurance.com

Medicare Supplemental Health Insurance Information and Medicare Supplement Insurance Plans

Unlessyou buy a Medicare SELECT policy, you may go to any doctor or hospitalfor treatment. The Medicare supplemental insurance policy pays for itsshare of the expenses and your Medicare policy covers its share. Thelevel of benefits you receive will depend on which plan you choose. Youwill pay for your Medicare supplemental insurance and pay the Medigap insurancecompany on a separate invoice. You will receive a Medicare Summary oncea month by mail and your Medigap insurance company will also send you Medicare health insurance planinformation on what has been paid. A Medicare supplemental health insurance policy doesnot replace your original Medicare coverage. It simply provides additional benefits to help cover themedical expenses that are not paid for by the original Medicare policy.You may also want to join a Medicare Advantage Health Plan that willhelp with drug costs and coinsurance deductibles.
Source: healthinsurancefinders.com