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

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Source: medicare.gov

More Medicare Information

If you live in Puerto Rico you will not receive Medicare Medical Insurance (Medicare Part B) automatically. You will need to sign up for it during your initial enrollment period or you will pay a penalty. To sign up, please call our toll-free number at 1-800-772-1213 (TTY 1-800-325-0778). You also may contact your local Social Security office. You can find your local Social Security office by using our Office Locator.
Source: ssa.gov

Medicare Supplemental Health Insurance Information and Medicare Supplement Insurance Plans

Posted by:  :  Category: Medicare

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 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 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 & Medicare Advantage Personal Service

Medicare Supplement Insurance, also known as MediGap Insurance, is designed to help cover some of the medical costs that are not covered by Medicare.  These Medigap coverage plans are available to anyone enrolled in Part A and B of Medicare.  There is an open MediGap Insurance enrollment period for the first six months after you turn age 65, in which you do not need to qualify or answer any questions about your prior medical history.
Source: medigapadvisors.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

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 Supplemental Insurance — Which policy is best?

Our recommendation: After picking the benefit combination (Plan A through L) that best suits your needs, buy the issue-age or community-rated Medigap policy with the lowest premium. Even though they are a bit more expensive at the start, your premiums won’t go up every year just because you get older. (AARP’s Medigap plans use a combination of issue-age and community-rated methods; their premiums don’t increase as you get older, but their younger retirees do receive a discount.)
Source: todaysseniors.com

GlobeCare Medicare Supplement

Your acceptance for a Medicare Supplement policy is guaranteed with no waiting periods, regardless of preexisting conditions when purchased during the six-month open enrollment period for persons turning age 65.
Source: globecaremedsupp.com

Medicare Facts, information, pictures

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Medicare is organized into parts A through D, each of which corresponds to a different service type with a different financing scheme. Part A is a program of inpatient hospital insurance available to all Medicare beneficiaries; there is no premium, although beneficiaries are required to pay deductibles and co-payments when they use covered services. Part A is financed through a payroll tax of 2.9 percent, paid half by employers and half by employees. Part B provides coverage for outpatient services, including physician visits, therapies, and laboratory tests. Enrollment is voluntary, and beneficiaries pay a monthly premium for coverage and deductibles and co-payments at the point of service. Part B is financed through premiums and general tax revenues. Part C concerns itself with managed care plans. Part D, passed in 2003, represents the largest expansion of Medicare benefits since 1965; as of January 1, 2006, it covers some of the cost of prescription drugs for beneficiaries who enroll. In a departure from earlier Medicare policy, enrollees receive Part D benefits through private insurance plans that offer coverage for different drugs (within limits set by the government) at different premium amounts. Like Part B, Part D is financed through premiums and general revenue funds. Medicare beneficiaries may also purchase private supplementary, or Medigap, insurance policies to cover deductibles, co-payments, and uncovered services.
Source: encyclopedia.com

Medicare Supplement Leads

Precision Senior Marketing offers discounted insurance leads for its agents through some of the market’s most competitive lead service companies. Why pay full price, when you can leverage the PSM community to get a higher ROI on this great investment that can grow your business quickly? Through partnerships with Kramer Direct, USADATA, and ProspectZone, PSM agents have exclusive offers and preferred pricing on internet, direct-mail, and call leads. At PSM, we understand that you need reliable, high-quality insurance leads, so we only work with the best companies in the industry. Each company offers insurance leads for all insurance products, including Medicare Supplement, Medicare Advantage, Long-Term Care, Final Expense, Term Life, Annuities and Senior Health. No matter what products are in your portfolio, you are sure to find the exact insurance leads you are seeking with one of our partner companies.
Source: psmbrokerage.com

Medicare premium increases, Part B premiums in 2014

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There is no question Medicare premiums are going up and up as are Medicare taxes. But to blame that on Obamacare is misdirected. Premiums are going up primarily because of the underlying use of health care services by a growing Medicare population and by the cost of each of those services.
Source: quinnscommentary.com

Medicare Part B Premium 2014

But Koko Mackin, the company’s vice president of corporate communications, has repudiated the message. "It contains incorrect information received by an employee who redistributed it to six others," he told reporters. "We have a longstanding policy against distributing chain emails like this, and actions have been taken to reinforce this policy. We apologize for any confusion or concern this email may have caused."
Source: aarp.org

Annual Statistical Supplement, 2011

d. Standard premium rate for voluntary enrollment by certain aged and disabled individuals not otherwise entitled to Hospital Insurance (HI). (Most individuals aged 65 and older and many disabled individuals under age 65 are insured for HI benefits without payment of any premium.) Beginning in 1994, a reduced premium is available to premium-paying HI enrollees with at least 30 quarters of Medicare-covered employment (either their own or through a current or former spouse if the marriage meets certain duration criteria). In most cases, a surcharge applies for beneficiaries who enroll after their initial enrollment period.
Source: ssa.gov

How to Reform Medicare: First Stage to Fix the Current Program

[5]The significant differences in official long-term projections, including projections of the program’s unfunded liability, reflect the differences in agency assumptions, particularly about the likelihood of the continuation of current law. The Medicare Trustees and the Congressional Budget Office (CBO) are required to make projections under current law, which assumes, for example, that the large Medicare Part A payment reductions are sustainable and that the projected 29.4 percent reduction in Medicare physician payment will be implemented in 2012. The Office of the Actuary in the Centers for Medicare and Medicaid Services (CMS) makes projections based on the premise that key elements of current law are simply “unworkable.” See John D. Shatto and M. Kent Clemens, “Projected Medicare Expenditures Under an Illustrative Scenario with Alternative Payment Updates to Medicare Providers,” Centers for Medicare and Medicaid Services, Office of the Actuary, May 13, 2011, at https://www.cms.gov/ReportsTrustFunds/downloads/2010TRAlternativeScenario.pdf (September 19, 2011).
Source: heritage.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.gov Nursing Home Compare

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

Kentucky: Cabinet for Health and Family Services

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Resources include but are not limited to, checking accounts, savings accounts, stocks, bonds, certificates of deposit, annuities, trusts and life insurance policies. Some resources may be excluded if they fall under the exemption criteria for Medicaid eligibility. Some examples would be the home you live in, the vehicle you drive or up to $1,500 for burial expenses or life insurance.
Source: ky.gov

Kentucky: Cabinet for Health and Family Services

Medicare covers services (like lab tests, surgeries, and doctor visits) and supplies (like wheelchairs and walkers) considered Health care services or supplies needed to prevent, diagnose, or treat an illness, injury, condition, disease, or its symptoms and that meet accepted standards of medicine. Two plans that may cover prescriptions are Medicare Part B and Medicare Part D.
Source: ky.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

Consumer Guide to Health Care

Posted by:  :  Category: Medicare

Medicare is the main insurance for people 65 and older and also provides coverage for some people with disabilities. It is the nation’s largest health insurance program – covering 49 million Americans in 2012. The federal Centers for Medicare and Medicaid Services (CMS), which runs the program, provides lots of information on its  Medicare website. Here is additional information about the program.
Source: wisconsin.gov

Wisconsin Medicaid for the Elderly, Blind or Disabled

The insurance company, Anthem, announced February 4, 2015, that its database had been hacked, exposing personal data on as many as 80 million records for current and former members and employees. This security breach may affect some Wisconsin Medicaid and BadgerCare Plus members. For more information, members should access a letter from the president and CEO of Anthem and a list of frequently asked questions.
Source: wisconsin.gov

Wisconsin Medicare Advantage Plans with Part D (Prescription Drug) Coverage

The plans below offer Medicare Advantage and Part D coverage to Wisconsin 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

Medicare Advantage Special Needs, Medicaid Plans WI –iCare

The iCare Medicare Plan is an all-in-one health care benefits program for all eligible Medicare beneficiaries with special needs. Independent Care Health Plan contracts with the federal government to offer this Medicare Advantage program. We have combined health care services provided by Medicaid and Medicare to offer a complete package of benefits, including the Medicare Part D Prescription Drug program. 2015 iCare Medicare Plan (HMO SNP) Program
Source: icare-wi.org

2015 Wisconsin 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

The Rising Cost of Living Longer: Analysis of Medicare Spending by Age for Beneficiaries in Traditional Medicare

Posted by:  :  Category: Medicare

Consistent with other studies documenting higher costs for patients at the end of life, this analysis shows that Medicare per capita spending was nearly 4-times greater among beneficiaries who died in 2011, on average, than among those who lived the entire year.  Yet the analysis also shows that Medicare per capita spending among decedents declines with age, suggesting that patients, families, and providers may be opting for less intensive and less costly end-of-life interventions for beneficiaries as they grow older.  This possibility is consistent with the finding that average per capita spending on hospice services among beneficiaries in traditional Medicare increases with age, due to both a larger share of beneficiaries electing hospice at older ages and higher per capita hospice costs for older than younger Medicare beneficiaries who elect hospice care.
Source: kff.org

Medicare and Social Security Costs? Out of Sight, Out of Mind

There was a time, not long ago, when both parties were at least paying lip service to the idea that the Social Security and Medicare entitlement programs—their long-term solvency in peril, their contributions to long-term deficits and debt daunting—needed to be adjusted before they either broke the bank or failed future retirees.
Source: wsj.com

Cost and Quality Conundrum of U.S.

While an increase in medical care is to be expected at the end of one’s life, Riley and Lubitz’s study found, and Teno’s study validated, that aggressive treatment at the end of life has been increasing over time and is showing no signs of slowing down.  For example, Riley and Lubitz found that the percent of decedents undergoing multiple hospitalizations increased from 20 percent in 1978 to 27 percent in 2006 and the percent using Intensive Care Unit (ICU) services in the last 2-3 months of life increased from 26 percent in 1983 to 33 percent in 2006.  The more recent study by Teno also shows that while death in hospitals is decreasing and hospice use is increasing, the percentage of people in the ICU in the last month of life has been steadily increasing since the year 2000, reaching 29 percent in 2009.
Source: medicarenewsgroup.com

Retirement Planner: Applying for Medicare Only

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If you are age 65 or older and your medical insurance coverage is under a group health plan based on your, or your spouse’s, current employment, you may not need to apply for Medicare Supplementary Medical Insurance (Part B) at age 65. You may qualify for a “Special Enrollment Period” (SEP) that will let you sign up for Part B during:
Source: ssa.gov

When & how to sign up for Part A & Part B

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

Colorado Medicare Plans Overview

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RMHP’s contract with Medicare is renewed annually. The availability of coverage beyond the end of the current contract year is not guaranteed. RMHP has contracted with Medicare to provide benefits since 1977. This page was last updated: 11/21/14.  Please call to confirm you have the most up to date information about our Medicare Cost plans. Medicare Disclaimers RMHP is a Medicare-approved Cost plan. Enrollment in RMHP depends on contract renewal. H0602_MS_MC300WEB_RMHP1 Approved
Source: rmhp.org

Colorado Medicare Supplement and Medicare Advantage Plan Information

From Denver to Centennial, Colorado Springs to Westminster, Aurora to Arveda, Boulder, Fort Collins, Lakewood, Thornton, Pueblo, Loveland, Longmont, Greeley, Grand Junction, Broomfield or Castle Rock it is important that you find the medicare coverage that fits your life and your lifestyle in Colorado. We feel that the best care is received when you have your choice of Doctors, and you and your Doctor make your medical decisions. Medigap plans in Colorado are available with no medical underwriting during your open enrollment period. This is when you become eligible for Medicare Part B. You may however, apply to a company and fill out the medical underwriting questions at any time. We are pleased to introduce our Medicare Supplement Comparison Quoting System. It is a very simple process where you enter a few bits of information and then we will quote all of the medicare supplement plans offered by several companies. The companies that we select to quote are based on their strong reputations and competitive pricing. Some of the companies that we represent are: Aetna, Heartland National, Humana, Mutual of Omaha, UCT, United American and UnitedHealthcare
Source: medicare-colorado.net

Medicare health insurance and international health insurance – Home – our services also include expatriate medical insurance, travel insurance and overseas medical insurance.

With over 30 years’ experience of providing international medical insurance, we currently offer healthcare cover to expatriates and their families from 86 nationalities in 121 countries around the world. We specialise in designing international health insurance plans for both individuals and business communities.
Source: co.uk

2015 Colorado 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