Health Insurance Made Simple

Posted by:  :  Category: Medicare

Our licensed Product Advisors can help you find a health plan that meets your needs and budget. You have a limited time to apply for Open Enrollment. Don’t delay! Open Enrollment begins November 15, 2014 Apply by December 15, 2014, to start coverage January 1, 2015 Open Enrollment ends February 15, 2015
Source: goldenrule.com

America’s Health Insurance Plans

Unadjusted inpatient hospital prices per admission grew by 8.2% per year from 2008 to 2010 for the commercially insured population (under age 65 years) in the MarketScan data set. We estimate that approximately 1.3 to 1.9 percentage points of the growth in prices can be attributed to increased intensity per admission. Thus, we estimate that intensity-adjusted price increases ranged from 6.2% to 6.8% annually in the 2008-2010 period. Price levels and trends varied considerably across admission types, states, and localities.
Source: ahip.org

Health insurance in the United States

The Pre-existing Condition Insurance Plan, or PCIP, is a transitional program created in the Patient Protection and Affordable Care Act (PPACA). Those eligible for PCIP are citizens of the United States or those legally residing in the U.S., who have been uninsured for the last 6 months and “have a pre-existing condition or have been denied health coverage because of their health condition.” However, if one has health insurance or is enrolled in a state high risk pool, they are not eligible for PCIP, even if that coverage does not cover their medical condition. PCIP is run by the individual states or through the U.S. Department of Health and Human Services, which has a contract with the Government Employees Health Association, or GEHA, to administer benefits. Both will be funded by the federal government and provide three plan options. These options are the standard, extended, and the Health Savings Account option. PCIP only covers the individual enrollee and does not include family members or dependents. In 2014, the Affordable Care Act provision banning discrimination based on pre-existing conditions will be implemented and PCIP enrollees will be transitioned into new state-based health care exchanges.
Source: wikipedia.org

Health Insurance Quotes, Medical Insurance, Affordable Health Insurance Plans

Brands You Know and Trust HealthPlanOne works with all major carriers. We are an Aetna “Premium Producer”, an Anthem “Premier Partner”, and a Humana “Strategic Alliance Partner”. We also work with Celtic, Cigna, Oxford, Unicare, Unitedhealthcare Life Insurance Company and Golden Rule Insurance Company and dozens of other health insurance companies.
Source: healthplanone.com

What Medicare health plans cover

Posted by:  :  Category: Medicare

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, Demonstration/Pilot Programs, and Programs of All-inclusive Care for the Elderly (PACE).
Source: medicare.gov

What is "deeming" under Medicare Advantage?

An enrollee walks into a physician’s office for the first time, advises the physician that he or she is a member of the PFFS plan and presents his or her plan enrollment card. Since the provider had the opportunity to call the plan phone number on the enrollee card, the provider is considered deemed contracting as soon as s/he provides services, even though the provider did not actually check the terms and conditions of payments.
Source: mgma.com

What Medicare health plans cover

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

What is Medicare? What is Medicaid?

Medicare Part A, or Hospital Insurance (HI), helps pay for hospital stays, which includes meals, supplies, testing, and a semi-private room. This part also pays for home health care such as physical, occupational, and speech therapy that is provided on a part-time basis and deemed medically necessary. Care in a skilled nursing facility as well as certain medical equipment for the aged and disabled such as walkers and wheelchairs are also covered by Part A. Part A is generally available without having to pay a monthly premium since payroll taxes are used to cover these costs.
Source: medicalnewstoday.com

Rick Perry's Refusal to Expand Texas' Medicaid Program Could Result In Thousands of Deaths

Posted by:  :  Category: Medicare

Two hours after sending his letter, Perry was on Fox News comparing the Medicaid expansion to “adding 1,000 people to the Titanic.” Instead, Perry said, states like Texas should be given Medicaid block grants to create their own system for health-care coverage, without elaborating further on what that system might entail. Fox News correspondent Jenna Lee, much to Perry’s visible annoyance, began to press him for specifics. “According to a new federal government report—I know you’ve seen this—Texas has ranked last when it comes to health services provided by the state,” Lee pointed out. “The facts are one out of four Texans is without health insurance. One out of four Texans is on Medicare or Medicaid. The health crisis, the big crisis for the country and for your state, what is one solution you are offering to the citizens of Texas?”
Source: texasobserver.org

Texas Nursing Home Medicaid Eligibility

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Source: texastitle19.com

America’s Health Insurance Plans

Posted by:  :  Category: Medicare

Unadjusted inpatient hospital prices per admission grew by 8.2% per year from 2008 to 2010 for the commercially insured population (under age 65 years) in the MarketScan data set. We estimate that approximately 1.3 to 1.9 percentage points of the growth in prices can be attributed to increased intensity per admission. Thus, we estimate that intensity-adjusted price increases ranged from 6.2% to 6.8% annually in the 2008-2010 period. Price levels and trends varied considerably across admission types, states, and localities.
Source: ahip.org

Health insurance in the United States

The Pre-existing Condition Insurance Plan, or PCIP, is a transitional program created in the Patient Protection and Affordable Care Act (PPACA). Those eligible for PCIP are citizens of the United States or those legally residing in the U.S., who have been uninsured for the last 6 months and “have a pre-existing condition or have been denied health coverage because of their health condition.” However, if one has health insurance or is enrolled in a state high risk pool, they are not eligible for PCIP, even if that coverage does not cover their medical condition. PCIP is run by the individual states or through the U.S. Department of Health and Human Services, which has a contract with the Government Employees Health Association, or GEHA, to administer benefits. Both will be funded by the federal government and provide three plan options. These options are the standard, extended, and the Health Savings Account option. PCIP only covers the individual enrollee and does not include family members or dependents. In 2014, the Affordable Care Act provision banning discrimination based on pre-existing conditions will be implemented and PCIP enrollees will be transitioned into new state-based health care exchanges.
Source: wikipedia.org

Health Insurance Quotes, Medical Insurance, Affordable Health Insurance Plans

Brands You Know and Trust HealthPlanOne works with all major carriers. We are an Aetna “Premium Producer”, an Anthem “Premier Partner”, and a Humana “Strategic Alliance Partner”. We also work with Celtic, Cigna, Oxford, Unicare, Unitedhealthcare Life Insurance Company and Golden Rule Insurance Company and dozens of other health insurance companies.
Source: healthplanone.com

Health Insurance Made Simple

Our licensed Product Advisors can help you find a health plan that meets your needs and budget. You have a limited time to apply for Open Enrollment. Don’t delay! Open Enrollment begins November 15, 2014 Apply by December 15, 2014, to start coverage January 1, 2015 Open Enrollment ends February 15, 2015
Source: goldenrule.com

Find the *** BEST CHEAP HEALTH INSURANCE PLANS *** all in one place!

One secret to getting cheap health insurance involves figuring out precisely what coverage you need. Many people overpay for policies full additional coverage they could do without. Be sure to carefully read any insurance policy before you buy. While you shouldn’t skimp on coverage, you’re sure to find that some cheaper policies still can offer what you need. Shopping around using online insurance quotes is a great way to compare coverage and costs.
Source: findyourinsurer.com

EmblemHealth: Family & Individual Health Insurance Plans In New York

To view this Web site, you need to have JavaScript enabled in your browser. Don’t worry — you can still sign in to the secure myEmblemHealth Web site or search for a doctor using the links below. If you need help registering for the secure site, please call Customer Service at the number on the back of your ID card.
Source: emblemhealth.com

Affordable health insurance for families and the self

Posted by:  :  Category: Medicare

Since last year, an estimated 9.4 million Americans have enrolled in health insurance exchange – or marketplace – plans (and have paid their premiums). At the same time, Obamacare’s Medicaid expansion has helped boost the number of new Medicaid enrollees to more than 7 million. What’s more, millions more Americans have enrolled in private ACA-compliant plans outside the exchanges – or off exchange.
Source: healthinsurance.org

Rate Shock: In California, Obamacare To Increase Individual Health Insurance Premiums By 64

The author has done a lot of analysis but failed to do research. However he is equally guilty of comparing apples to oranges and clearly has group coverage. Any individual who applies for insurance on E-health or one of the large nationals, NEVER gets the cheapest rate. It is a teaser rate or only for those in perfect health which simply does not exist. You cannot lie on the application due to the pre-existing clauses which will result in NO coverage at all shld. you have a health mishap due to your condition. The insurance companies ALWAYS add a risk premium to the lowest rate offered (BAIT and SWITCH) just like some car dealers and one always pays $80 plus or more depending on the risk factors the insurers add such as age, hypertensive, location, amount of meds you are currently one and so on. I was 51 in 2009 and applied for catastrophic insurance with Anthem BCBS in Ga. and the rate advertised was $130 or something but after the application I ended up paying $260 a month. Another co. would only provide insurance to me if I signed a WAIVER of coverage for a pre-existing condition for life. I applied to 4 different insurers and each time the advertised premium was not available to me and only for someone in perfect health.
Source: forbes.com

COBRA Health Insurance Continuation Premium Subsidy

In addition, the COBRA subsidy is available to people who become eligible for COBRA coverage as a result of a reduction in hours occurring between Sept. 1, 2008, and May 31, 2010, followed by an involuntary termination between March 2, 2010 and May 31, 2010. If you fall into this category, your subsidy is available starting with the first period of coverage beginning after the involuntary termination. Individuals who did not take COBRA coverage after the reduction in hours or who signed up but later dropped it, get another chance to sign up for COBRA coverage. In this case, the COBRA coverage would begin with the first period of coverage after the involuntary termination and continue up to 18 months after the reduction in hours. The administrator of a group health plan or other entity must provide notice of the new election right after the involuntary termination. As in the case of other assistance-eligible individuals, the subsidy ends after the earliest of 15 months, the end of COBRA coverage, or eligibility for other group health or Medicare coverage.
Source: irs.gov

Don’t Miss the Health Insurance Deduction if You’re Self

If you’re an S corporation shareholder, the policy can be in your name or the S corporation’s name and either of you can pay the premiums. If the policy is in your name and you pay the premiums, the S corporation must reimburse you and include the premiums as wage income on your Form W-2.
Source: irs.gov

Compare Medicare Advantage & Supplemental Plans

Posted by:  :  Category: Medicare

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

Affordable Medicare Plans Illinois

Additional discounts and subsidies on brand-name and generic drugs will be phased in to completely fill the coverage gap by 2020.The ACA also reduces the growth rate of the catastrophic coverage threshold starting in 2014 and going through 2019. In 2020, the threshold reverts back to what it would have been without the health care reform adjustment. Example: Jane is currently enrolled in Medicare Part A and B. She also elected to enroll in Medicare’s voluntary prescription drug program, where she is required to pay a monthly premium. While Jane lives on a fixed income, she does not qualify for a Medicare Part D low-income subsidy. Jane’s benefits under the Medicare Prescription Drug Program are as follows:
Source: medicareplaninfo.com

Get Medicare Part D Quotes in Seconds

As could be expected, prices for Humana policies rocketed for the 2014 calendar year. Mean premiums for Humana Part D jumped from $21.80 to $38.70. Medicare Part D is priced at $41.55 and Part D Medicare comes in at the slightly lower price of $38.80. Humana’s standalone market share coverage has dropped to 18.6% whereas their Medicare Part D policies have increased to a market share of 12.8%.
Source: medicareaide.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 Plans are Confusing, We Make Medicare Less Frustrating.

Medicare Advantage insurance is a replacement to Original or Traditional Medicare Parts A and B – it is offered instead by private insurance companies. Medicare Advantage plans generally feature additional benefits and have less cost-sharing than Traditional Medicare, and you may be required to pay a monthly premium in exchange for the added benefits that the Medicare Advantage plan features. Medicare Advantage plans come in many different flavors and formats such as: HMO plans, PPO plans, PFFS plans, and special needs plans. Seniors may only enroll in Medicare Advantage plans if they already have both Medicare Part A and Medicare Part B and then only during specially designated enrollment periods. The Medicare enrollment periods change often, so please call us at: 1-(866)-866-7951 to find out when the next open enrollment period starts so you can enroll in this type of Medicare Plan.
Source: medicareplanstoday.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

The week that could break the House: Balanced budget and the Medicare 'doc fix'

Posted by:  :  Category: Medicare

Rep. Tom Price, R-Ga., is the new Budget committee chairman. Price’s initial budget faced trouble as the committee prepped the resolution for floor action next week. Defense-minded Republicans demanded additional money for the military and threatened to vote no on the floor. That phenomenon created two problems. If Price added the defense money in committee, the budget would die there. Fiscal conservatives could have detonated Price’s entire budget, barring it from coming to the floor. However, if Price maintained the austere budget, without directing more money to the Pentagon, a larger group of defense hawks could vote no on the floor, torpedoing the budget there.
Source: foxnews.com

Who loses from a permanent Medicare doc fix?

Phil Moeller: The dreaded HSA trap has snared another victim. With HSAs growing in popularity and people working longer, many people get a rude surprise when they innocently reach 65. We have been programmed for years to think that Medicare is required at age 65. It’s not if you have group health insurance at work (and your employer has more than 20 employees). But many people are uncertain and so they at least sign up for Medicare Part A. This covers in-hospital expenses and is free if you’ve worked at least 10 years at jobs where payroll taxes were deducted from your pay. The government even may encourage you to sign up for Part A because it’s free. But where an HSA is concerned, Part A is definitely not free. Having Part A will invalidate your eligibility to have an HSA. So, if you have employer health insurance with an HSA, do not sign up for any parts of Medicare when you turn 65.
Source: pbs.org

Medicare Sustainable Growth Rate

Section 101 of the Tax Relief and Health Care Act of 2006 (MIEA-TRHCA) provided a 1-year update of 0% for the conversion factor for CY 2007 and specified that the conversion factor for CY 2008 must be computed as if the 1-year update had never applied. Section 101 of the Medicare, Medicaid, and SCHIP Extension Act of 2007 (MMSEA) provided a 6-month increase of 0.5% in the CY 2008 conversion factor, from January 1, 2008, through June 30, 2008, and specified that the conversion factor for the remaining portion of 2008 and the conversion factors for CY 2009 and subsequent years must be computed as if the 6-month increase had never applied. Section 131 of the Medicare Improvements for Patients and Providers Act of 2008 (MIPPA) extended the increase in the CY 2008 conversion factor that was applicable for the first half of the year to the entire year, provided for a 1.1% increase to the CY 2009 conversion factor, and specified that the conversion factors for CY 2010 and subsequent years must be computed as if the increases had never applied.
Source: wikipedia.org

Tentative House Medicare 'doc fix' deal opens rift among Dems over abortion

Under the so-called Hyde amendment, which Congress renews every year, federal funds cannot be used for abortions except for cases of rape, incest or when the mother’s life is endangered. In a 2010 executive order, President Barack Obama said the Hyde language and other regulations prohibit community health centers “from using federal funds to provide abortion services” except for the Hyde amendment’s exemptions.
Source: foxnews.com

The Doc Fix For Dummies: Your primer on Medicare pay for doctors (and what could change)

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Source: medcitynews.com

Congress ‘doc fix’ would halt big drop in Medicare fees

Reps. Paul Ryan, R-Wisc., and Sander Levin, D-Mich, the chairman and top Democrat on the House Ways and Means Committee, said on Friday, “We are now engaging in active discussions on a bipartisan basis — following up on the work done by leadership — to try to achieve an effective permanent resolution to the SGR problem, strengthen Medicare for our seniors, and extend the popular Children’s Health Insurance Program.”
Source: ctmirror.org

Healthcare business news, research, data and events from Modern Healthcare

Posted by:  :  Category: Medicare

Dr. Karen DeSalvo, the head of HHS’ Office of the National Coordinator for Health Information Technology, says it’s time to take the data created by the sweeping adoption of electronic health records and set it free. Her office is under pressure to make that happen.
Source: modernhealthcare.com

Health Insurance Plans for Individuals, Employers, Medicare

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

Medicare Advantage MSA Plans – Part C Medical Savings Account

Posted by:  :  Category: Medicare

Medicare beneficiaries have the option to enroll in a Medical Savings Account (MSA) plan. Medicare Advantage MSA plans (or Medicare Part C MSA plans) combine health care coverage with a medical savings account. Medicare gives the plan a dollar amount each year for your health care, and the plan then deposits a portion of this money into your bank account. The amount deposited is less than your deductible amount, which is generally quite high, so you will have to pay out-of-pocket before your coverage begins. Individuals enrolled in a Medicare Advantage MSA plan can receive health care from any doctor or hospital. However, some Medicare Advantage MSA plans may have preferred doctors and hospitals you could go to for a lower cost.
Source: ehealthmedicare.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 Part C Advantage

A program which allows you to enroll in private health insurance that offers both Medicare Part A and Part B benefits. Medicare Advantage plans are not supplemental insurance, but rather health insurance plans of their own. Medicare Advantage can also include prescription drug coverage in addition to vision, hearing, and dental. In most cases, you can join even if you have been diagnosed with a pre-existing condition, except for final stage renal disease. Advantage plans must follow guidelines established by Medicare but also vary in terms of costs and rules.
Source: medicaresolutions.com

Get Medicare Advantage Plan Quotes

Initial Coverage Election Period: You can enroll in Medicare Advantage or Medicare Advantage with prescription drug coverage when you first become eligible for Medicare. Your Initial Coverage Election Period (ICEP), is a seven-month period that starts 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65. If you are under age 65 and you receive Social Security disability, you qualify for Medicare in the 25th month after you begin receiving your Social Security benefits. If you fall into this category, you may enroll in a Medicare Advantage plan 3 months before your month of eligibility, during the month of eligibility, and 3 months after the month of eligibility. For example, if your Medicare Part A and Part B coverage begins in May, your Medicare Advantage IEP is February through August. See Medicare Advantage Plans
Source: ehealthmedicare.com

Canadian Health, Disease, & Medication Information

Posted by:  :  Category: Medicare

Recalled meats linked to a type of food poisoning called listeria may have you worried. Learn more about this foodborne illness – its causes, symptoms, and some ways to protect yourself from infection.
Source: medbroadcast.com

Men’s Health and Fitness Information from About.com

Bones may look hard and unchangeable, but like any part of our bodies, they’re constantly breaking down and remodeling themselves. That’s good news for us. Because by eating and exercising the right way we can strengthen our bones and keep them healthy a whole lot longer. Find out how.
Source: about.com