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

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

AARP Supplemental Insurance Rates

United Healthcare has contracted with AARP to put their branding on the supplemental insurance plan.  This branding is a good thing because it provides extra benefits to you that you will not receive when signing up for a supplement through a different company.
Source: medicare-plans.net

Best Medicare Supplement Insurance Quotes

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

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

The first thing to know is that paying a higher premium for a standardized Medicare Supplemental insurance plan will NOT get you anything extra – except perhaps a nice smile from the agent who signed you up! Not only are the benefits the same from one company to the next, their claim filing requirements are also identical. Second, you’ll want to review Medigap Plans A-L with a qualified Medicare Supplemental specialist to decide which plan or plans have the benefits you need and want. You may choose one or more plans to look at more closely. Note that by law, Medigap insurers aren’t allowed to sell you more than one Medigap policy.   Third, make sure that you are getting a complete multi company rate comparison. You will find that there are many insurance companies selling identical Medigap plans in your state… the goal is to find a reliable company with the lowest rate.   For most people, premium amounts are major factors in their decisions. Find out the premium each company would charge you for the Medigap plan (or plans) you are looking at. When you compare the costs, you’ll notice that there can be big differences! Lastly, take your time as you are comparing insurance companies and choose one carefully. You can find an insurance companys rating through such places like AM Best and Weiss Research Inc. We are happy to assist you in choosing a Medicare Supplemental insurance policy. Use our online quote tool to compare rates, or give us a call and we’ll help you find the right Medigap plan for the lowest rate!
Source: medigapcentral.com

Benefits for People with Disabilities

Posted by:  :  Category: Medicare

The Social Security and Supplemental Security Income disability programs are the largest of several Federal programs that provide assistance to people with disabilities. While these two programs are different in many ways, both are administered by the Social Security Administration and only individuals who have a disability and meet medical criteria may qualify for benefits under either program.
Source: ssa.gov

Social Security (United States)

Due to changing needs or personal preferences, a person may go back to work after retiring. In this case, it is possible to get Social Security retirement or survivors benefits and work at the same time. A worker who is of full retirement age or older may (with spouse) keep all benefits, after taxes, regardless of earnings. But, if this worker or the worker’s spouse are younger than full retirement age and receiving benefits and earn “too much”, the benefits will be reduced. If working under full retirement age for the entire year and receiving benefits, Social Security deducts $1 from the worker’s benefit payments for every $2 earned above the annual limit of $15,120 (2013). Deductions cease when the benefits have been reduced to zero and the worker will get one more year of income and age credit, slightly increasing future benefits at retirement. For example, if you were receiving benefits of $1,230/month (the average benefit paid) or $14,760 a year and have an income of $29,520/year above the $15,120 limit ($44,640/year) you would lose all ($14,760) of your benefits. If you made $1,000 more than $15,200/year you would “only lose” $500 in benefits. You would get no benefits for the months you work until the $1 deduction for $2 income “squeeze” is satisfied. Your first social security check will be delayed for several months—the first check may only be a fraction of the “full” amount. The benefit deductions change in the year you reach full retirement age and are still working—Social Security only deducts $1 in benefits for every $3 you earn above $40,080 in 2013 for that year and has no deduction thereafter. The income limits change (presumably for inflation) year by year.
Source: wikipedia.org

Disability Planner: Social Security Protection If You Become Disabled

While we spend a great deal of time working to succeed in our jobs and careers, few of us think about ensuring that we have a safety net to fall back on should we become disabled. This is an area where Social Security can provide valuable help to you.
Source: ssa.gov

Best Medicare Supplement Insurance Quotes

Posted by:  :  Category: Medicare

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

Compare Medicare Supplement Insurance Plans

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

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 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

If you are enrolled in the government’s Original Medicare program, the basics of your doctor and hospital bills are covered and paid for by Medicare. However, you are required to share in the costs, as the government does not completely subsidize your medical expenses. Each Medicare recipient has a certain amount of allowable expenses based on his or her income. When larger expenses are incurred, the recipient is required to cover the remainder. When a major surgical procedure brings in bills over $100,000, for example, the patient could still be left with over $15,000 to pay himself. A Medicare Supplement plan is designed to cover those costs.
Source: medicareinsurers.com

Compare Medicare Supplement Insurance Plans & Medigap Plans and Rates for
2011. See Plan Chart for AL, AR, AZ, CO, FL, GA, IA, ID, KS, KY, LA, MD, MI, MO, MN, MS,
NC, NE, NM, OH, OK, SC, TN, TX, VA & WV. Medigap Insurance Plans including the
Popular Plan F & G

Year after year we have found Medicare Supplement Plan F or Medicare Supplement Plan G to be the best value for the dollar. The new Plan N is a great alternative to a Medicare Advantage plan.  Plan N might be recommended depending on which state you live in and how much the supplement cost in relation to available Medicare Advantage plans. A plan N will provide more coverage and a very reasonable premium. In Florida we have the lowest rate for plan F & plan N. See the Medicare Supplement Plan chart below. In general, the higher you go up in the plan chart the more Gaps the plan fills. Medicare Supplement Plan F is the most comprehensive supplement plan and there is not a better plan than F. Most people will select a Plan F. However, depending on your personal situation there may be a more cost efficient choice.
Source: themedicarechannel.com

Medicare Fraud Reporting Center

Posted by:  :  Category: Medicare

Medicare Whistleblowers are typically healthcare professionals who are aware of hospitals, clinics, pharmacies, Nursing Homes, Hospices, long term care and other health care facilities that routinely overcharge or seek reimbursement from government programs for medical services not rendered, drugs not used, beds not slept in and ambulance rides not taken. If you have information about a person or a company that is cheating the Medicare program (or any other government run healthcare program), you may be able to collect a large financial reward for reporting it here.
Source: medicarefraudcenter.org

Report Medicare Fraud and Medicaid Fraud and get a whistleblower reward

The largest area of fraud against the government today is against Medicare fraud and Medicaid fraud. Approximately 10% of all Medicare/Medicaid bills are inflated or fraudulent. That helps explain why the Department of Justice pays such large whistleblower rewards for reporting Medicare fraud.
Source: howtoreportfraud.com

Reporting Medicare Fraud : How To Report Medicare Fraud : Medicare Whistleblower Awards : Qui Tam Lawyer

If you have knowledge of these types of fraudulent billing practices, you are certainly in a difficult position because you may be afraid that if you expose these fraudulent billing practices you may suffer retaliation from your employer including termination. It is even possible that you are afraid that you will find it difficult to find new employment because your current employer may blacklist you with other hospitals or medical practices. Fortunately, the Federal False Claims Act provides brave and conscientious employees who expose unethical and illegal practices that result in the theft of billions of dollars in taxpayer funds annually with protection from such retribution. Another reason to disclose these practices is that remaining quiet may expose you to potential criminal and civil liability. The government is becoming increasingly aggressive in prosecuting those who commit Medicare fraud. The government will not only pursue your employer but you too may be liable for failing to report Medicare fraud.
Source: howtoreportmedicarefraud.com

How to Report Fraud and Suspected Fraud

The page could not be loaded. The CMS.gov Web site currently does not fully support browsers with “JavaScript” disabled. Please enable “JavaScript” and revisit this page or proceed with browsing CMS.gov with “JavaScript” disabled. Instructions for enabling “JavaScript” can be found here. Please note that if you choose to continue without enabling “JavaScript” certain functionalities on this website may not be available.
Source: cms.gov

Avoid and Report Medicare Fraud and Abuse

Medicare billing fraud means knowingly billing Medicare — possibly over and over again — for products and services that were not medically necessary, accurately coded, or for an actual beneficiary. You can help detect Medicare billing fraud by carefully reviewing your payment notice. This is the notice you get whenever a doctor or health care provider bills Medicare or your insurance company for a health care product or service. The notice identifies the product or service and lists the total amount billed, the amount Medicare or your insurance company paid to the provider, and the amount you owe.
Source: ehealthmedicare.com

TEXAS MEDICAID APPLICATION

Posted by:  :  Category: Medicare

In order to participate in Medicaid, federal law requires states to cover certain population groups (mandatory eligibility groups) and gives them the flexibility to cover other population groups (optional eligibility groups). States set individual eligibility criteria within federal minimum standards. States can apply to the Centers for Medicare & Medicaid Services (CMS) for a waiver of federal law to expand health coverage beyond these groups. Medicaid is an entitlement program, which means the federal government does not, and a state cannot, limit the number of eligible people who can enroll, and Medicaid must pay for any services covered under the program. In December 2011, about one in seven Texans (3.7 million of the 25.9 million) relied on
Source: texasmedicaidapplications.com

How to Apply for Medicaid

Contact your local state Department of Social Services or Human Services. Your state may have a different name for this agency. It is the agency that provides food stamps and financial assistance. Call your county building and ask for the name of it if you don’t know it.
Source: ehow.com

Asset Protection Specialists Massachusetts

Posted by:  :  Category: Medicare

We specialize in MA nursing home medicaid spend down planning helping elders to preserve their home, their life savings and other assets. We have appeared with Jordan Rich of WBZ News Radio 1030 in variety of seminars on the topic of Senior Asset Protection.
Source: commadvisory.com

Massachusetts Medicaid: MassHealth Eligibility, Income Guidelines, Help

Many groups of people are covered by Medicaid. Even within these groups, though, certain requirements must be met. These may include your age, whether you are pregnant, disabled, blind, or aged; your income and resources (like bank accounts, real property, or other items that can be sold for cash); and whether you are a U.S. citizen or a lawfully admitted immigrant. The rules for counting your income and resources vary from state to state and from group to group. There are special rules for those who live in nursing homes and for disabled children living at home.
Source: quickbrochures.net

Vocational Rehabilitation

The Department of Health Services (DHS) maintains the ForwardHealth Portal which serves as the interface to ForwardHealth interChange, the new Medicaid Management Information System for the State of Wisconsin.
Source: wisconsin.gov

The MassHealth (Medicaid) Lawyer

The MassHealth Planning & Elder Law blog is regularly updated to provide you with the most up to date news and information affecting Massachusetts seniors and the long-term care planning options available under Medicaid. If you have any questions or cannot find the information you are looking for in our article database, please ask us or suggest a new article topic using the submission form on the right. Also, you can sign up to receive our monthly newsletter which includes a summary of the previous month’s articles from our estate planning & probate blog and our MassHealth planning & elder law blog, as well as upcoming events and offers.
Source: mamedicaidlawyer.com

MassHealth: Medicaid in Massachusetts

Submitting a MassHealth application to help cover nursing home costs without elder law advice can often be a bad idea. I often describe the MassHealth application process for nursing home care as “guilty until proven innocent.” MassHealth applications are closely scrutinized, with a lookback period of 5 years on all financial records. Gifts, below-market sales and unexplained financial transactions can cause problems; any unexplained or poorly-explained expenditure can be treated as a disqualifying transfer of assets, delaying MassHealth eligibility at a time when there are no remaining funds to pay for nursing home care. Trusts are often rejected without explanation. The application process can take several weeks or even months, while the MassHealth eligibility worker keeps asking questions and demanding further verifications.
Source: masshealth.info

2010 Medicare Part B Fee Schedules (January 1, 2010 through November 30, 2010)

Posted by:  :  Category: Medicare

On May 10, 2010 CMS released revised physician payment files to Medicare Contractors necessary to reflect changes to payments as a result of the CY 2010 correction notice published in the Federal Register on May 11, 2010 and changes resulting from the Patient Protection and Affordable Health Care Act.  This fee schedule also reflects the Department of Defense Appropriations Act of 2010, the Temporary Extension Act of 2010, and the Continuing Extension Act of 2010 which have provided for a zero percent update to the 2010 Medicare Physician Fee Schedule and is effective for claims with dates of service from January 1, 2010 through May 31, 2010.  Instructions regarding the reprocessing of claims paid prior to the implementation of the revised files is forthcoming from CMS.
Source: ahcancal.org

Medicare Supplemental Insurance

Finding the best Medicare Supplemental insurance, Medicare Advantage, and Medicare Part D has gotten more complicated nearly every year. In 2010 Medicare Supplement Insurance added 2 new plans Medigap plan N and Medigap Plan M. At the same time they eliminated several other Medicare Supplement options. Medicare Advantage insurance plans redefine benefits and premiums every year. And, with future Medicare subsidies uncertain due to changing regulation from healthcare reform who can keep up. For many individuals Medicare Supplement Insurance is becoming the best option. Unfortunately, comparing Medicare Supplemental Insurance Plan premiums (Medigap) and Medicare Advantage plans can be a time consuming endeavor. Our highly trained insurance advisors can explain all of your supplemental Insurance options, and assist in finding the best Medicare supplement and Medicare Part D combination that best fits your specific needs. With all the options affecting Supplement insurance and Part D it makes sense to have an expert assist you through the maze.
Source: mysenioradvisorsgroup.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

Contact Information and Websites of Organizations for Medicare

This application is not fully accessible to users whose browsers do not support or have Cascading Style Sheets (CSS) disabled. For a more optimal experience viewing this application, please enable CSS in your browser and refresh the page.
Source: medicare.gov

Medicare Unmasked: Behind the Numbers

This project uses data made public by the Centers for Medicare and Medicaid Services. It shows the dollar amounts that doctors and other medical providers received in Medicare reimbursements in 2012 and 2013, along with other data including their specialties. Only procedures which providers performed on more than 10 Medicare patients were included in the data released. There is some information CMS hasn’t provided. In some cases, procedures attributed to a specific physician may have been performed by other people under that doctor’s supervision. The data doesn’t include information on patients nor does it show doctors’ billings related to durable medical equipment.
Source: wsj.com

Medigap Vs. Medicare Advantage: Which Is Better?

Posted by:  :  Category: Medicare

Medicare has four basic parts – A, B, C and D. If you’re unfamiliar with how they work, read Medicare 101: Do You Need All 4 Parts? Taken together, Parts A (hospital care), B (doctors, medical procedures, equipment) and D (prescription drugs) provide basic coverage for Americans 65 and older. What’s relevant for this article is what these parts don’t cover – deductibles, co-pays and other medical expenses that could wipe out your savings should you become seriously ill. That’s where Part C comes in. Also known as Medicare Advantage, it’s one of two ways to protect against the potential high cost of an accident or illness. Here’s what could happen.
Source: investopedia.com

Medigap vs. Medicare Advantage Plan

Medicare Advantage comprises a variety of private health plans — most often HMOs and PPOs — that Medicare offers as a coverage alternative to the traditional program. Every plan must cover all the same benefits that traditional Medicare covers. But the plans can charge different copayments (often lower than the traditional program but not always) and offer extra benefits. Most charge a monthly premium in addition to the Part B premium, but some don’t. Most include prescription drug coverage at no additional cost. Some cover routine hearing and vision services, usually as a separate package for an additional premium. All plans, by law, have annual limits on out-of-pocket costs. Another difference from the traditional program is that most plans require you to go to doctors and other providers within their service network or pay higher copays for going out of network.
Source: aarp.org

Medigap Vs. Advantage plans

All of this makes Medicare Advantage plans sound much more attractive than traditional Medicare, but the reality is lots of people don’t like the access to care they get from Medicare Advantage plans. Researchers from the Commonwealth Fund, a nonprofit foundation that promotes better health care, found that 15 percent of  people with Medicare Advantage policies rated their insurance as fair or poor. That is more than double the number of dissatisfied Medicare/Medigap plan participants — just 6 percent of those with traditional Medicare coverage and Medigap plans rated their coverage as fair or poor.
Source: bankrate.com

Medicare Advantage vs. Medicare Supplement

When you enroll in a Medicare Advantage plan, you move completely into a private health insurance plan. That means your insurance company covers all your healthcare bills. Insurance companies must provide the same level of coverage as Original Medicare with their Medicare Advantage plans, with the exception of hospice care. The end result of the two programs is about the same; they just go through a different setup.
Source: ehealthinsurance.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

Medigap vs. Medicare Advantage

There are 10 standardized Medigap plans available in 47 states, and they are all required to follow federal and state laws designed to protect beneficiaries. All plans have to be clearly labeled “Medicare Supplement Insurance,” and insurance companies can only sell the 10 standardized policies, which are identified with one of the following letters: A, B, C, D, F, G, K, L, M, and N. All 10 Medigap plans offer the same basic benefits, but some of them have extra benefits, so you should review each policy carefully and select the one that best fits your health needs. Your costs will vary from one plan to another.
Source: ehealthmedicare.com

Find The Best Rate For Medicare Plan F With MediGap Advisors

Posted by:  :  Category: Medicare

"Dawn was very responsive, knowledgeable, and helpful! The process was pleasant and painless. As for why we chose MediGap Advisors, I found you on the internet and after talking with Dawn, the decision was easy. You should know that I am an insurance agent, but do not offer Med Sups. I do have several friends who do, but I chose to work through Dawn anyway. I think that should give you some comfort that you have a solid agent representing your company."
Source: medigapadvisors.com

Medicare Supplement Plan F

• Deductible for hospitalization in Part A • Deductible for hospital outpatient and medical for Part B • Care in a skilled nursing facility • Excess charges from the doctor or medical practitioner that are not covered in Medicare • Emergency help for traveling abroad Medigap Plan F also offers the option for people to choose a high deductible version as well. The deductible is the amount the policy holder pays before the plan F begins to pay, however this is confusing to most people. Many feel that with this plan they will receive no coverage until the deductible is met which is simply not true. Medicare Part A & B will still provide their stated benefits, however it is not until the beneficiary’s out-of-pocket expenses reaches the deductible amount that the Hi-deductible Medigap Plan F will actually start paying.
Source: medigapplansguide.com

Medigap Plan F Rates, Coverage, and Info

Medigap is a private health insurance policy that is designed to cover medical costs not covered by Medicare programs. It covers many of the costs that people would otherwise have to pay individually such as copayments, coinsurance, and deductibles. There are ten different Medigap plans offered. Any insurance company offering Medigap plans is required to offer Plan A, other plan availability will vary by insurance company and by state. Medigap policies do not cover long-term care such as nursing homes, vision or dental care, hearing aids, eyeglasses or private-duty nursing. This article will deal exclusively with Medigap Plan F policies covering some of the benefits and other considerations.
Source: medicareweb.com

Medicare Supplemental Health Insurance Plans

"My experience with MediGap Advisors has been excellent primarily due to the efforts of my agent, Jim Kinert. Jim spends considerable time with me in order to provide the single best coverage I could have ever hoped for. He is an exceptional representative of your organization, far surpassing my expectations by making the entire process easy to understand and easy to actuate. Rarely have I dealt with a salesperson that has made me feel that he had my best interests at heart. I have never particularly enjoyed the prospect of obtaining insurance of any kind, but Jim’s approach gave me a great sense of confidence that I was doing business with the right man and the right company. Jim’s winning personality, in-depth knowledge, and lack of high pressure sales tactics convinced me to do business with you."
Source: medigapadvisors.com

Medigap Plan F vs. Plan G: Is More Really Better?

If you think you are exceptionally healthy for your age, you may want to look at a high deductible Plan F policy. Under this type of policy, you are required to pay all fees until your annual deductible has been met. After meeting the deductible, Medicare will cover any other charges incurred. This deductible is $2,140 per year as of 2014. This type of plan helps protect against high out-of-pocket expenses if you need any extensive medical care and treatment.
Source: emedicaresupplements.com