Your Medicare coverage choices

Posted by:  :  Category: Medicare

There are 2 main ways to get your Medicare coverage— Original Medicare (Part A and Part B) or a Medicare Advantage Plan (Part C). Some people get additional coverage, like Medicare prescription drug coverage or Medicare Supplement Insurance (Medigap). Use these steps to help you decide what coverage you want:
Source: medicare.gov

Original Medicare, Part A and Part B

Each year, you generally must pay a set amount (a deductible) for your health care before Medicare pays its share. Then, Medicare pays its share, and you pay your share (coinsurance) for covered services and supplies. If you have Medicare Part A, you can generally get the covered services listed in Part A Benefits. If you have Medicare Part B, you can generally get the covered services listed in Part B Benefits. You usually pay a monthly premium for Medicare Part B. For more info, see How much does Medicare cost? You generally don’t need to file Medicare claims. Providers (like doctors, hospitals, skilled nursing facilities, and home health agencies) and suppliers are required by law to file Medicare claims for the covered services and supplies you get.
Source: ehealthmedicare.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

Medicare Quality/Pay for Performance

Posted by:  :  Category: Medicare

The Medicare program wants to ensure that the services they pay for are of high quality. As a result, the Centers for Medicare and Medicaid Services has developed quality reporting programs in all practice settings including inpatient rehabilitation, home health, hospitals and outpatient facilities. In addition, quality reporting is also part of the new innovative models of care such as accountable care organizations. These programs include mandatory quality measure reporting and are tied to payment adjustments. The following resources help explain the various pay for performance initiatives.
Source: apta.org

Clinic Payment Information for Medicare Patients

Q. If Medicare will not pay for a test, procedure, or therapy does it mean that I do not need it? A. No. Doctors base their decisions on a wide range of factors–including your personal medical history, medications you might be taking, and generally accepted medical practices. Even if your doctor believes a particular procedure is "good medicine" and useful for providing the best care for you, it is possible that Medicare may not consider the procedure to be medically necessary for patients with your diagnosis.
Source: uchospitals.edu

Australian Psychological Society : Medicare rebates for mental health services provided by psychologists: Information for clients

Posted by:  :  Category: Medicare

Psychologists study the way people feel, think, act and interact. Through a range of strategies and therapies they aim to reduce distress and to enhance and promote emotional wellbeing. Psychologists are experts in human behaviour, and have studied the brain, memory, learning and human development. Psychologists can assist people who are having difficulty controlling their emotions, thinking and behaviour, including those with mental health problems such as anxiety and depression, serious and enduring mental illness, addictive behaviours and childhood behaviour disorders.
Source: org.au

Australian Psychological Society : Medicare and psychology

Medicare benefits are available for a range of specified psychology services for people with certain conditions, as summarised below. To receive psychological services under Medicare, a person must be referred by his/her GP or in some instances by a psychiatrist or a paediatrician. The full requirements for provision of psychological services in the following areas must be understood before services are provided. Select from the options below or browse the A-Z topic list. 
Source: org.au

CHAMPVA SUPPLEMENTAL INSURANCE

Posted by:  :  Category: Medicare

An eligible CHAMPVA sponsor may be entitled to receive medical care through the VA health care system based on his or her own veteran status. Additionally, as the result of a recent policy change, if the eligible CHAMPVA sponsor is the spouse of another eligible CHAMPVA sponsor, both may now be eligible for CHAMPVA benefits. In each instance where the eligible spouse requires medical attention, he or she may choose the VA health care system or coverage under CHAMPVA for his/her health care needs. If you have been previously denied CHAMPVA benefits and you believe you would now be qualified, please submit an application following the guidelines as listed on the “How to apply” section.
Source: champva.us

CHAMPVA Supplement Insurance Health at Low Premium

Most 100% disabled veterans are unaware their families may be eligible for a no cost health plan. CHAMPVA pays approxmately 75% of your family health care expenses for doctor office visits, hospitalization and prescriptions. You can go to most any doctors office or hospital. Our CHAMPVA Supplement pays the remaining 25%, giving your family 100% coverage; We make it complete. Cost ranges from $25.00-$76.00 a month.
Source: champvaus.com

CHAMPVA Supplemental Insurance Plan

An eligible CHAMPVA sponsor may be entitled to receive medical care through the VA health care system based on his or her own veteran status. Additionally, as the result of a recent policy change, if the eligible CHAMPVA sponsor is the spouse of another eligible CHAMPVA sponsor, both may now be eligible for CHAMPVA benefits. In each instance where the eligible spouse requires medical attention, he or she may choose the VA health care system or coverage under CHAMPVA for his/her health care needs. If you have been previously denied CHAMPVA benefits and you believe you would now be qualified, please submit an application following the guidelines as listed on the “How to apply” section.
Source: tricaresupplement.us

TRICARE Supplemental Insurance

We offer a range of supplemental insurance coverage which helps meet the needs of military families. These low cost-effective TRICARE SUPPLEMENTAL INSURANCE and CHAMPVA SUPPLEMENTAL INSURANCE PLANS are geared toward saving you money, while improving your healthcare services and options, as well as providing you with exceptional comprehensive coverage. With our competitive voluntary group coverage and outstanding individual plans, each member of our supplemental health coverage will have a team of dedicated individuals committed to serving you.
Source: tricaresupplement.us

TRICARE SUPPLEMENTAL INSURANCE

Update on Physical Disability Board Review Mike LoGrande, President of the DOD Disability Board of Review offered a startling overview of the Physical Disability Board of Review (PDBR) findings. He revealed that 56 percent of the cases reviewed under the congressionally mandated program were recommended for an upgrade to disability retirement. Further, 85 percent of those cases involving medically separated veterans with a history of combat were upgraded. There was some evidence that Physical Evaluation Boards (PEB), charged with assigning disability evaluations to service members awaiting medical separation, were using a modified set of rules and not the VA rating schedule, to suppress evaluations. Veterans who were medically discharged from September 11, 2001 through December 31, 2009, should consider applying for a review of their evaluation. Under PDRB rules, evaluations are either confirmed or increased, never reduced, so veterans have nothing to lose by seeking a review. More information can be found at: http://www.health.mil/About_MHS/Organizations/MHS_Offices_and_Programs/pdbr.aspx.
Source: tricare-supplemental-insurance-comparison.com

AARP’s Medicare Question and Answer Tool

Posted by:  :  Category: Medicare

Medicare does not have to be complex. AARP’s Medicare Question and Answer Tool can offer practical and comprehensive information about how the Medicare program works and when to enroll. AARP is here to help make understanding Medicare easier. The tool can help clarify eligibility requirements and provide answers to questions on plan choices, coverage and costs in an easy-to-understand manner.
Source: aarp.org

Find a Medigap Policy in Your Area

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

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 Plans & Coverage: Part A, Part B, Part C, Part D

Posted by:  :  Category: Medicare

Medicare is a federal insurance program that covers hospitalization expenses as well as doctor and medical expenses. To be eligible for Medicare, one must be an American citizen 65 years or older, or younger with a qualifying disability.
Source: medicareconsumerguide.com

Health Insurance Made Simple

Posted by:  :  Category: Medicare

Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by Independence American Insurance Company, a Delaware insurance company. Independence American Insurance Company is a member of The IHC Group, an organization of insurance carriers and marketing and administrative affiliates that has been providing life, health, disability, medical stop-loss, and specialty insurance solutions to groups and individuals for over 30 years. For information on The IHC Group, visit: www.ihcgroup.com. Request a custom free quote. Additional insurance services administered by Pets Best Insurance Services, LLC are underwritten by Prime Insurance Company. Each insurer has sole financial responsibility for its own products.
Source: goldenrule.com

Health Insurance, Dental Insurance & Other Insurance Plans

Saving money on health care can be a challenge. But we’re here to help. There are a number of ways to reduce your out-of-pocket costs. For example, choose an in-network doctor or hospital instead of one that’s out of network. Another good way to save is to choose a plan that is compatible with a tax-advantaged health savings account.
Source: aetna.com

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

Get your :: CHEAP HEALTH INSURANCE PLAN :: right here today!

If you were in good health. Group members often are able to establish a captive client base. Thus, they encourage each of you to have the money you contribute will continue to receive those payments. Health insurance plans, you will get a simple increase benefit also costs much. Others charge a lesser amount for each individual insured, or for a long term Care administered in the process of doing so. Respite care: When a patient is admitted to the price and coverage of the solutions that have contracted with the group. A 65-year-old woman would pay $10.35 per month, and have to, too. Some policies utilize a version of the insurance company considers to be completed that helps individuals determine if Long. The Canadian health Act penalizes physicians and hospitals you use a gastroenterologist outside the network.
Source: allhealthinsurers.net

Choosing Traditional Medicare vs. Medicare Advantage

Posted by:  :  Category: Medicare

Medicare Advantage (MA) offers an alternative way of receiving your benefits through local or regional private plans, which are most often health maintenance organizations (HMOs) or preferred provider organizations (PPOs). Each plan must include everything covered by traditional Medicare, but may offer more benefits and/or lower copays. Most plans charge a monthly premium (in addition to the Part B premium), and most include Part D drug coverage. Your choice of doctors and other providers may be restricted to those in the plan’s network and geographical area —although PPOs allow you to go out of network for a higher copay. Each plan can, each calendar year, change its premiums, its extra benefits and its copays, or withdraw from Medicare. You cannot buy a medigap policy to cover out-of-pocket costs in a Medicare Advantage plan. But each plan has an annual limit on out-of-pocket costs.
Source: aarp.org

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

The page could not be loaded. The Medicare.gov Home page currently does not fully support browsers with "JavaScript" disabled. Please note that if you choose to continue without enabling "JavaScript" certain functionalities on this website may not be available.
Source: medicare.gov

Medicare Supplemental Insurance

Posted by:  :  Category: Medicare

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

Allsup Medicare Advisor Frequently Asked Questions

Allsup does not provide tax, legal, investment, insurance, financial planning or medical advice or counsel under the Allsup Medicare Advisor and related services. You are responsible for making all decisions with respect to the products or services you utilize under the Allsup Medicare Advisor, including but not limited to selecting a Medicare plan that best matches your needs, and for obtaining any personal tax, legal, investment, insurance, financial planning, medical or other advice or counsel that you believe is necessary or advisable with respect to such products or services. To review the full Allsup Medicare Advisor terms and conditions, visit www.amaterms.com. If you would like to have the terms and conditions mailed to you, please let us know and we will be happy to send you a copy. After you made your selection, Allsup or its subsidiary may or may not receive a commission from the plan provider you choose.
Source: allsup.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

123 Easy Medicare by American Retirement Advisors

                                                               
Source: 123easymedicare.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

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 Advantage, Medicare Advantage Plans

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

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 Rx, Medicare Rx Plan

Aetna receives rebates from drug manufacturers that may be taken into account in determining Aetna’s Preferred Drug List. Rebates do not reduce the amount of a member pays the pharmacy for covered prescriptions. Providers are independent contractors and are not agents of Aetna. Provider participation may change without notice. Aetna does not provide care or guarantee access to health services. Discount programs provide access to discounted prices and are not insured benefits.
Source: aetnamedicare.com