Consumer Information and Insurance Oversight

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Source: cms.gov

Medigap (Medicare Supplement Health Insurance)

A Medigap policy is health insurance sold by private insurance companies to fill the “gaps” in Original Medicare Plan coverage. Medigap policies help pay some of the health care costs that the Original Medicare Plan doesn’t cover. If you are in the Original Medicare Plan and have a Medigap policy, then Medicare and your Medigap policy will each pay its share of covered health care costs. Generally, when you buy a Medigap policy you must have Medicare Part A and Part B. You will have to pay the monthly Medicare Part B premium ($96.40 in 2011 for most beneficiaries). In addition, you will have to pay a premium to the Medigap insurance company. As long as you pay your premium, your Medigap policy is guaranteed renewable. This means it is automatically renewed each year. Your coverage will continue year after year as long as you pay your premium. In some states, insurance companies may refuse to renew a Medigap policy bought before 1992. Insurance companies can only sell you a “standardized” Medigap policy. Medigap policies must follow Federal and state laws. These laws protect you. The front of a Medigap policy must clearly identify it as “Medicare Supplement Insurance.” It’s important to compare Medigap policies, because costs can vary. The standardized Medigap policies that insurance companies offer must provide the same benefits. Generally, the only difference between Medigap policies sold by different insurance companies is the cost. You and your spouse must buy separate Medigap policies.Your Medigap policy won’t cover any health care costs for your spouse. Some Medigap policies also cover other extra benefits that aren’t covered by Medicare. You are guaranteed the right to buy a Medigap policy under certain circumstances. For more information on Medigap policies, you may call 1-800-633-4227 and ask for a free copy of the publication “Choosing a Medigap Policy: A Guide to Health Insurance for People With Medicare.” You may also call your State Health Insurance Assistance Program (SHIP) and your State Insurance Department. Phone numbers for these Departments and Programs in each State can be found in that publication.
Source: cms.gov

Contact Information and Websites of Organizations for Medicare

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Source: medicare.gov

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

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Source: medicare.gov

Tennessee Commission on Aging and Disability

If you have Medicare, you do not need to purchase health insurance through the Marketplace. Your Medicare coverage, whether received through a Medicare Advantage plan or through original Medicare, isn’t changing because of the Affordable Care Act and the Marketplaces. You will still need to review your Medicare coverage during the Annual Enrollment Period, October 15-December 7th for your 2014 coverage. TN SHIP is available to help you compare plans available in your area.
Source: tn.gov

Extra Help with Medicare Prescription Drug Plan Costs

Medicare beneficiaries can qualify for Extra Help with their Medicare prescription drug plan costs. The Extra Help is estimated to be worth about $4,000 per year. To qualify for the Extra Help, a person must be receiving Medicare, have limited resources and income, and reside in one of the 50 States or the District of Columbia.
Source: ssa.gov

Medicare and Medicaid Help

For Medicare recepients who are researching whether a specific procedure is covered, there is the Coverage Issues Manual. The manual addresses coverages issues for clinical trials, medical procedures, supplies, diagnostic services, prosthetic devices, and nursing services. Medicaid Expansion State by State discussion provided by Coverage Counts Many low-income adults could gain access to Medicaid “a state-based health program” through a provision in the Affordable Care Act health reform law. Each state determines who is eligible for health care under Medicaid; in most states, people who qualify must have a low income and be under the age of 18, pregnant or have specific diseases. The health reform law gives each state the option to expand Medicaid coverage and include all people who earn less than 133 percent of the federal poverty level; Currently, the costs of Medicaid coverage are split evenly between states and the federal government. Under the expansion, the federal government will reimburse at least 90 percent of states’ Medicaid costs. Medicare Primer This booklet is designed to familiarize individuals with the Medicare program with an emphasis on prescription coverage and utilization. The primer contains:
Source: patientadvocate.org

West Virginia Bureau for Children and Families

West Virginia Bureau for Children and Families NOTE: You are using an outdated browser. In order to view, use, and enjoy this site to the fullest, we strongly recommend upgrading your browser to one that supports web standards.
Source: wvdhhr.org

Social Security Tax / Medicare Tax and Self

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The United States has entered into social security agreements with foreign countries to coordinate social security coverage and taxation of workers employed for part or all of their working careers in one of the countries. These agreements are commonly referred to as Totalization Agreements. Under these agreements, dual coverage and dual contributions (taxes) for the same work are eliminated. The agreements generally make sure that social security taxes (including self-employment tax) are paid only to one country. You can get more information on the Social Security Administration’s Web site.
Source: irs.gov

CMA Health Policy Consultants

Posted by:  :  Category: Medicare

2015 will also usher in a new Congress. Many of its leaders and members will likely champion plans to further privatize Medicare. These proposals will likely surface despite increasing reports that Medicare costs and the federal deficit are declining, and that traditional Medicare costs less than private Medicare. Once again we will likely hear about plans to transform Medicare to “Premium Support” (a voucher towards the purchase of private insurance). We will probably read about proposals to increase the age of Medicare eligibility, decrease the value of Supplemental Medicare Insurance (Medigap), redesign Medicare to make it “simpler” (but less useful for most beneficiaries). We urge you to listen carefully for these and other such plans. And respond!
Source: cmahealthpolicy.com

Centers for Medicare and Medicaid (CMS) Consulting

“By failing to prepare, you are preparing to fail.” This famous quote from Benjamin Franklin may seem harsh—we know your organization is vigilant on compliance activities. However, sometimes an objective eye is helpful. Our CMS consultants can help you prepare for survey to:
Source: jcrinc.com

Medicare Supplemental Insurance Consultants

We deliver what insurance companies can’t -unbiased, and objective advice. This is critical – Insurance company employees are paid to enroll you in their plan and by definition can not be objective. We can enroll you in any plan you choose, help with plan selection and provide ongoing, expert advice on all Medicare Insurance plans. As Medicare specialist we focus on products for people with Medicare – not generalist offering some medicare products.
Source: mysenioradvisorsgroup.com

Turning 65 and Confused About Medicare? Get Supplement Help Now

Jeff Biro, the owner of this business, is fantastic. He offers at first a FREE introductory session going over exactly what his services are, and goes through a great deal of information during this session. Once the client decides to do business with Jeff his advise is so well thought out, and fits you, his client, to the best Medicare Health Insurance company that fits this person’s personal needs. I would highly recommend Jeff’s very professional company and the wonderful service that he performs particularly for those of us that are so unsure as to how to go about choosing the best Health Insurance company to suit our needs.
Source: medicarephoenix.com

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

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Source: medicare.gov

Social Security Tax / Medicare Tax and Self

The United States has entered into social security agreements with foreign countries to coordinate social security coverage and taxation of workers employed for part or all of their working careers in one of the countries. These agreements are commonly referred to as Totalization Agreements. Under these agreements, dual coverage and dual contributions (taxes) for the same work are eliminated. The agreements generally make sure that social security taxes (including self-employment tax) are paid only to one country. You can get more information on the Social Security Administration’s Web site.
Source: irs.gov

Medicare Surtax on Wages and Self

The Additional Medicare Tax was legislated as part of the Patient Protection and Affordable Care Act, and amended by the Health Care and Education Reconciliation Act of 2010. These two laws reformed the health care market by requiring individuals to obtain health insurance or pay a tax penalty. The additional Medicare tax was included as a revenue raiser in that legislation. At the time the legislation was passed, the Joint Committee on Taxation estimated that the Additional Medicare Tax and the Unearned Income Medicare Contribution Tax would together generate an additional $20.5 billion in tax revenue in the year 2013, the first year that the Medicare surtax would be in effect. (Source: JCX-17-10 [pdf].)
Source: about.com

Shop Health, Medicare, Dental & Vision Insurance Plans

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For Individuals and Families: The 2015 Open Enrollment Period has ended. However, if you’ve had certain changes in your life, such as moving, getting married, having a baby or losing health coverage, you may be eligible for a new plan that better fits your needs. But time is limited, so contact us now.
Source: anthem.com

Anthem Senior Advantage Basic (HMO) 2014

The plan offers national in-network prescription coverage (i.e., this would include 50 states and the District of Columbia). This means that you will pay the same cost-sharing amount for your prescription drugs if you get them at an in-network pharmacy outside of the plan’s service area (for instance when you travel). Total yearly drug costs are the total drug costs paid by both you and a Part D plan. The plan may require you to first try one drug to treat your condition before it will cover another drug for that condition. Some drugs have quantity limits. Your provider must get prior authorization from Anthem Senior Advantage Basic (HMO) for certain drugs. You must go to certain pharmacies for a very limited number of drugs, due to special handling, provider coordination, or patient education requirements that cannot be met by most pharmacies in your network. These drugs are listed on the plan’s website, formulary, printed materials, as well as on the Medicare Prescription Drug Plan Finder on Medicare.gov. If the actual cost of a drug is less than the normal cost-sharing amount for that drug, you will pay the actual cost, not the higher cost-sharing amount. If you request a formulary exception for a drug and Anthem Senior Advantage Basic (HMO) approves the exception, you will pay Tier 4: Non-Preferred Brand cost sharing for that drug. In-Network $60 deductible on all drugs except Tier 1: Preferred Generic, Tier 2: Non-Preferred Generic, Tier 5: Injectable Drugs, Tier 6: Specialty Tier drugs. Initial Coverage After you pay your yearly deductible, you pay the following until total yearly drug costs reach $2,850: Retail Pharmacy Contact your plan if you have questions about cost-sharing or billing when less than a one-month supply is dispensed. You can get drugs from a preferred and non-preferred pharmacy the following way(s): Tier 1: Preferred Generic
Source: healthpocket.com

Anthem Blue Cross and Blue Shield Medicare Advantage Plans with Part D (Prescription Drug) Coverage

The following Anthem Blue Cross and Blue Shield plans offer Medicare Advantage and Part D coverage to Ohio residents. Medicare Advantage plans, also known as Medicare Part C, are alternatives to original Medicare. These plans help cover the costs of services provided by hospitals, doctors, lab tests and some preventive screenings. These plans’ Part D component helps cover prescription drugs. Even if a plan’s monthly premium is $0, you would still pay the equivalent of the original Medicare premium. Not all plans shown here will be available to you; enter your zip code to see plans in your area. You can read about whether Medicare Advantage is right for you. If you only want plans with drug coverage, browse Prescription Drug (Part D) Plans.
Source: usnews.com

2015 Anthem Blue Cross Medicare Supplement

You will also need to enroll in a separate Medicare part D Rx plan, which will help you pay for your prescription costs.  A good place to start you search is right here.  Simply email a list of your current medications along with the dosage and frequency.  I’ll enter the information into the Medicare system, to come up with the top 3 plans for your prescription list.  The results will show the best three plans for coverage and cost for your medications.  I will then email the results to you. 
Source: johnconner.com

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

Posted by:  :  Category: Medicare

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Source: medicare.gov

Medicare.gov: el sitio oficial del gobierno de EE. UU. para Medicare

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Source: medicare.gov

What’s Medicare Supplement Insurance (Medigap)?

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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 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

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

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 Plan F

As with all of the Medigap Plans, there is no network. You may visit any doctor, specialist or hospital in the country that accepts Medicare and use your Medicare Supplement Plan F, regardless of which company you obtain your coverage from. Deciding on which Medigap plan to choose involves a few basic factors, including: • How often you visit your doctor • Your overall health • If you can afford the monthly premium • Whether you want to have additional out-of-pocket expenses in trade for a lower monthly premium Because Medicare Supplement Plan F offers the most comprehensive coverage from all the plans, it also has the highest premiums. For those who want all of the gaps in Medicare paid and never want to receive a medical bill, Plan F is a great choice. It is wise however, to check premiums and coverage from other plans such as a Medigap Plan G and Medicare Supplement Plan N. These plans typically have a lower premium and outstanding coverage after you pay a small annual deductible (Part B) and possibly some co-pays. Click HERE to compare plans and Medigap Rates from the top companies, and get expert advice from highly qualified agents if you choose.
Source: medigapv.com

Your Medicare Supplemental Insurance Information – MedicareSupplemental.com

There are exceptions to the standardization if you live in certain states, such as Massachusetts, Minnesota, and Wisconsin. Depending on your state, you may be able to buy another type of Medigap policy called Medicare SELECT (a Medigap policy that requires you to use specific hospitals and in some cases specific doctors to get full benefits). Who Provides Medicare Supplemental Insurance? Medicare supplemental insurance is provided by private insurance companies such as AARP, BlueCross BlueShield, Globe Life, Humana, Mutual of Omaha, Transamerica Life, United American, UnitedHealthcare and many others. Remember from above that Medigap insurance companies can sell you only a “standardized” Medigap policy. All Medigap policies must have specific benefits so you can compare them easily on the basis of price.
Source: medicaresupplemental.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

Medicare Application & Enrollment Guide: How to Enroll in Medicare Insurance Programs

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Getting your hands on a copy of a death certificate or other birth records can be difficult. Many countries, states, counties and cities handle the process for ordering public records differently. Here at the birth records directory, we aim to provide you with quick and easy access to public and private death records, no matter the location. Take a minute and look around the site here. Find the article or resource related to the location you need to order birth records and follow the directions. Good luck!
Source: medicareapplication.org

APPLICATION FOR ENROLLMENT IN MEDICARE Fill Online, Printable, Fillable, Blank

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Source: pdffiller.com

What is the AARP Medicare Silver Sneakers Program?

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Medicare beneficiaries that enroll into this program should understand that Silver Sneakers is not a guaranteed Medicare benefit.It is a value added benefit provided as a courtesy to AARP members enrolled in one of their branded insurance partnership programs.AARP can discontinue the Silver Sneakers Fitness Program at any time but seniors have options too.They can change their insurance policies every year during open enrollment.Before making any changes to their health plans, Medicare beneficiaries should contact their health insurance consultant or professional to discuss their health care needs.
Source: hubpages.com

Silver Sneakers for Blue Shield Medicare Supplement Members

now offers the Silver Sneakers Fitness Program to subscribers of the Blue Shield Medicare Supplement plans throughout California.  The current Medigap subscribers can join the Silver Sneakers program at no additional cost and enjoy fitness, fun and friends with the award-winning program.  Designed exclusively for older adults and taught by certified instructors, offers an innovative blend of physical activity, healthy lifestyle direction and social opportunities to Medicare-eligible individuals.  Studies have found individuals who participate in Silver Sneakers have a significantly lower risk of depression and require fewer admissions to the hospital.
Source: johnconner.com

Silver Sneakers Locations in Colorado

The SilverSneakers® Fitness Program is an innovative health, exercise and wellness program helping older adults live healthy, active lifestyles. Get fit, have fun, make friends! Eligible members can receive a basic membership at any participating fitness center, where they can enjoy specialized SilverSneakers fitness classes focusing on improving strength, flexibility, balance and coordination. Certified SilverSneakers fitness instructors teach the classes, and participants can also enjoy other basic membership amenities, including use of exercise equipment, weight and circuit training, and other fitness offerings and social events.
Source: medicarecolorado.com

SilverSneakers Medicare Programs

So, what exactly is SilverSneakers?  SilverSneakers is essentially a gym membership or fitness club membership to participating centers across the country.  You can find participating gyms by going to www.silversneakers.com and typing in your zip code.  You can find out if your Medicare plan offers Silver Sneakers by calling 1-888-423-4632.  Here are some of the features offered by SilverSneakers.
Source: medicare-plans.net