Best Billing Software For Windows. Affordable, Easy To Use!

Posted by:  :  Category: Medicare

LEADING EDGE CMS-1500 Software For Windows 7, VISTA, & XP – Have a basic knowledge of Windows?  Be up and running in 1 hour! – Create a patient record in less than a minute, file a medical claim in one click! FLEXIBLE with many user definable features  – Quickly customize most important features like scheduling, patient statements, fee rates, and payments and adjustments – electronic billing made easy! CMS-1500 SOFTWARE :: HIPAA COMPLIANT ELECTRONIC BILLING! – 5 levels of security. Print the CMS 1500 Form, or send claims electronically. PRACTICE MANAGEMENT – COMPREHENSIVE REPORTS – Dozens of useful and easy to read reports. Clear, attractive patient statements LIVE SUPPORT! Medical Billing/Coding Support for XP, VISTA, Win2000 – No waiting. Knowledgeable and experienced billing software training! LOWEST COST for a Complete Multi-User Electronic Medical Billing Solution for Practice Management, Solo Clinicians, and Medical Billing Services.
Source: mpmsoft.com

CMS 1500 Software HCFA 1500 Software

We’re a part of your team. Every year for almost a decade, we’ve trusted medical professionals and administrators to suggest ways to make Speedy Claims even better than it already is. Implementing these suggestions is an important reason why more professionals switch to Speedy Claims than any other CMS 1500 form-filling software available.
Source: speedysoftusa.com

Electronic Billing & EDI Transactions

The information in this section is intended for the use of health care providers, clearinghouses and billing services that submit transactions to or receive transactions from Medicare fee-for-service contractors. EDI is the automated transfer of data in a specific format following specific data content rules between a health care provider and Medicare, or between Medicare and another health care plan. In some cases, that transfer may take place with the assistance of a clearinghouse or billing service that represents a provider of health care or another payer. EDI transactions are transferred via computer either to or from Medicare. Through use of EDI, both Medicare and health care providers can process transactions faster and at a lower cost. Please see pages on specific types of EDI conducted by Medicare for related links and downloads as applicable.
Source: cms.gov

Medical Billing & Scheduling Software: Physician Practice Management Software for Small & Medium Offices by EZClaim

After 17 years of working in a medical setting I decided to start my own billing service. I was at a complete loss as to which billing program to purchase until I found EZClaim. I fell in love with the functional ease of EZClaim and the unbeatable support. I have used EZClaim for 13 years and submit my claims electronically and work in the Cloud. T. Whaley, Billing Solutions
Source: ezclaim.com

Coding and Billing Information

Home Health Consolidated Billing Master Code List – An Excel workbook file containing complete lists of all codes ever subject to consolidated billing provision of HH PPS. A master list worksheet shows the dates each code was included and excluded from consolidated billing editing on claims, with associated CMS transmittal references. The master list also associates each code with any related predecessor and successor codes. Supplemental worksheets show the list of included codes for each CMS transmittal to date. See "Downloads" section below.
Source: cms.gov

CMS 1500 Health Claim Form Software

Whether you use the CMS form to bill Blue Cross, Blue Shield, Medicare or Medicaid, or to bill Commercial insurances such as United Health Care (UHC) and other insurance plans, you can submit claims quickly and easily, by paper or file electronically.
Source: medclaimsoftware.com

2012 Medicare Part B Premium, Deductible Will Be Lower Than Expected

Posted by:  :  Category: Medicare

By law, the standard Part B premium is set to represent 25 percent of expected costs in the program for the following year. So beneficiaries not protected by the COLA freeze bore the brunt of higher costs over the past two years. But in 2012, everyone will share those costs. That, together with lower-than-expected cost increases in the program — in part because of changes brought about by the new health care law, the Affordable Care Act — accounts for the relatively small increase in the standard premium, Medicare officials say.
Source: aarp.org

Annual Statistical Supplement, 2011

Beginning January 1, 2006, upon voluntary enrollment in either a stand-alone PDP or an integrated Medicare Advantage plan that offers Part D coverage in its benefit, subsidized prescription drug coverage. Most FDA-approved drugs and biologicals are covered. However, plans may set up formularies for their drug coverage, subject to certain statutory standards. (Drugs currently covered in Parts A and B remain covered there.) Part D coverage can consist of either standard coverage or an alternative design that provides the same actuarial value. (For an additional premium, plans may also offer supplemental coverage exceeding the value of basic coverage.) Standard Part D coverage is defined for 2006 as having a $250 deductible, with 25 percent coinsurance (or other actuarially equivalent amounts) for drug costs above the deductible and below the initial coverage limit of $2,250. The beneficiary is then responsible for all costs until the $3,600 out-of-pocket limit (which is equivalent to total drug costs of $5,100) is reached. For higher costs, there is catastrophic coverage; it requires enrollees to pay the greater of 5 percent coinsurance or a small copay ($2 for generic or preferred multisource brand and $5 for other drugs). After 2006, these benefit parameters are indexed to the growth in per capita Part D spending (see Table 2.C1). In determining out-of-pocket costs, only those amounts actually paid by the enrollee or another individual (and not reimbursed through insurance) are counted; the exception is cost-sharing assistance from Medicare’s low-income subsidies (certain beneficiaries with low incomes and modest assets will be eligible for certain subsidies that eliminate or reduce their Part D premiums, cost-sharing, or both) and from State Pharmacy Assistance Programs. A beneficiary premium, representing 25.5 percent of the cost of basic coverage on average, is required (except for certain low-income beneficiaries, as previously mentioned, who may pay a reduced or no premium). For PDPs and the drug portion of Medicare Advantage plans, the premium will be determined by a bid process; each plan’s premium will be 25.5 percent of the national weighted average plus or minus the difference between the plan’s bid and the average. To help them gain experience with the Medicare population, plans will be protected by a system of risk corridors, which allow Part D to assist with unexpected costs and to share in unexpected savings; after 2007, the risk corridors became less protective. To encourage employer and union plans to continue prescription drug coverage to Medicare retirees, subsidies to these plans are authorized; the plan must meet or exceed the value of standard Part D coverage, and the subsidy pays 28 percent of the allowable costs associated with enrollee prescription drug costs between a specified cost threshold ($250 in 2006, indexed thereafter) and a specified cost limit ($5,000 in 2006, indexed thereafter).
Source: ssa.gov

2012 Medicare Part D Program Compared to 2011, 2010, 2009 and 2008

Pharmaceutical manufacturers will be required to provide certain beneficiaries access to discount prices for certain brand drugs purchased under Medicare Part D. The manufacturer discount prices will be equal to 50% of the plan’s negotiated price defined (minus any applicable dispensing fees). These discount prices must be applied prior to any prescription drug coverage or financial assistance provided under other health benefit plans or programs and after any supplemental benefits provided under the Part D plan. The discounted prices will be charged at the pharmacy (point-of-sale). The beneficiary will not have to do additional paperwork, etc. to receive the benefit. These manufacturer discount prices will be made available to Part D enrollees who are in the coverage gap or donut hole (they have reached or exceeded the initial coverage limit and have incurred costs below the annual out-of-pocket threshold). Medicare beneficiaries will not be eligible to receive these discount prices if they are enrolled in a qualified retiree prescription drug plan or are eligible for the low-income subsidy. The costs paid by manufacturers towards the negotiated prices of drugs covered under this manufacturer discount program shall be considered incurred costs for eligible beneficiaries and applied towards their out-of-pocket threshold. This means that the total negotiated retail drug price will be applied to the TrOOP and will count toward getting out of the doughnut hole.
Source: q1medicare.com

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

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

2015 Medicare Part D Program Compared to 2014, 2013, 2012 and 2011

Proposal in the 2015 Advanced Notice: This rule proposes to revise the definition of negotiated prices to require all price concessions from pharmacies to be reflected in negotiated prices. The proposed rule would provide greater cost savings for beneficiaries in return for offering preferred cost sharing so that sponsors cannot incentivize use of selected pharmacies, including the sponsors’ own related-party pharmacies that charge higher rates than their competitors. Also, CMS may request that Part D plans increase the number of pharmacies offering preferred, or lower, cost sharing as CMS is concerned that some plans that offer preferred cost sharing do not provide beneficiaries with sufficient access to the lower cost sharing at select network pharmacies. The intent of this policy will be to ensure that beneficiaries are not misled into enrolling in a plan only to discover that they do not have meaningful access to the advertised lower cost sharing. From the 2015 Announcement: Although we [CMS] are not adopting any network adequacy standards at this time, sponsors should be aware that we are continuing to monitor beneficiary access to preferred cost sharing in plans that purport to offer it. For the 2014 and 2015 plan years, we [CMS] will continue to review the retail networks of plans offering preferred cost sharing and will continue to take appropriate action regarding any plan whose network of pharmacies offering preferred cost sharing appears to offer too little meaningful access to the preferred cost sharing. For instance, a stand-alone PDP that offers preferred cost sharing at only seven pharmacies in a PDP region may be asked to increase the number of pharmacies offering preferred cost sharing or to restructure its benefit design during the bid negotiation process. The intent of these negotiations will be to ensure that beneficiaries are not misled into enrolling in a plan only to discover that they do not have meaningful access to the advertised lower cost sharing. We [CMS] note that beginning in 2015, we [CMS] will no longer use the terms "preferred" and "non-preferred" to describe network pharmacies, but rather will describe such pharmacies as offering standard or preferred cost-sharing.
Source: q1medicare.com

Medigap Plans from Cobra Health Plans.com

Posted by:  :  Category: Medicare

* By clicking “Get Quotes”, I consent to receive telephone calls, SMS text messages and/or emails from or on behalf of one or more of the companies *** LISTED BELOW *** regarding insurance products and services using an automatic telephone dialing system and/or an artificial pre-recorded voice at the telephone number(s) provided above, including any mobile number(s). I understand my consent is not a condition to receive goods/services and that I may also call (888) 989-6954 to receive a quote. I also have read and agree to the Terms and Conditions and Privacy Policy of this website. *** AIG, Aetna, Allegiant, Allied Insurance, American Continental, American Republic, Amerilife, Anthem, Assurant Health, Bankers Life and Casualty, Bankrate, Blue Cross Blue Shield, Channel Blend, CIGNA, Coventry, e-TeleQuote, First Family Insurance, Genworth, Gerber, GoHealth, Golden Rule, HealthMarkets / Insphere, Health Plan One, Highmark, Humana, InsuranceQuotes, Inc., Insurance Solutions, Kaiser, Lighthouse Insurance, LTC Financial Partners, Mutual of Omaha, Precise Leads, QuoteWhiz, Secure Horizons, SelectQuote, Sterling, TZ Insurance Solutions, United Medicare Advisors, UnitedHealthcare, WellPoint, or one of the companies LISTED HERE.
Source: cobrahealthplans.com

Compare Anthem Medicare Supplements

Medigap Companies: Admiral Life Insurance Aetna Life Insurance American Continental Insurance American National Life Insurance Anthem Life American Pioneer Life Insurance American Republic Insurance Bankers Fidelity Life Insurance Blue Cross and Blue Shield Central Reserve Life Insurance Christian Fidelity Life Insurance Combined Insurance Company Conseco Insurance Company Continental General Insurance Continental Life Insurance Company Equitable Life and Casualty Insurance Family Life Insurance Company Forethought Insurance Company Genworth Life Insurance Company Gerber Life Insurance Company Globe Life and Accident Insurance Golden Rule Insurance Company Great American Life Insurance Guarantee Trust Life Insurance Humana Insurance Company Lincoln Heritage Life Insurance Loyal American Life Insurance Marquette National Life Insurance Mutual of Omaha Insurance Company National States Insurance Company New Era Life Insurance Company Old Surety Life Insurance Company Pacificare Life Assurance Company Pennsylvania Life Insurance Company Philadelphia American Life Insurance Physician’s Life Insurance Company Provident American Life & Health Reserve National Insurance Company Royal Neighbors of America Sierra Health and Life Insurance Southwest Service Life Insurance Standard Life and Accident Insurance State Mutual Insurance Company Sterling Investors Life Insurance Sterling Life Insurance Company Unicare United American Insurance Company United Commercial Travelers (UCT) United National Life Insurance United of Omaha Life Insurance United Teacher Associates United World World Corp Insurance Company
Source: medigap360.com

A brief history of Medicare in America

Posted by:  :  Category: Medicare

Today, Medicare continues to provide health care for those in need. By the end of 2014, there were 49,435,610 people receiving health coverage through a Medicare program. Benefits paid in 2013 amounted to $583, which was about 14 percent of the federal budget. The retirement wave of baby boomers was once expected to cause Medicare to become a budget buster, but the Congressional Budget Office is now projecting increases in spending to be much smaller than once thought, thanks in part to cost savings embedded in Obamacare.
Source: medicareresources.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 Cost Savings Programs

The SLMB program provides payment of Medicare Part B premiums only for individuals who would be eligible for the QMB program except for excess income. Income for this program must be more than 100% of the FPL, but not exceed 120% or 135% of the FPL.
Source: mo.gov

What is Medicare? What is Medicaid?

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

Medicare and You Handbook

Posted by:  :  Category: Medicare

This section of our website will provide information about Medicare in general. We have started by putting the Medicare and You Handbook – A Guide to Medicare online. :: Download the 2015 Medicare & You Handbook – 152 pages (pdf) :: Download the 2015 Medicare y Usted (Spanish) – 152 pages (pdf) You can order a printed copy of the Medicare & You handbook by calling 1-800-633-4227 (1-800-MEDICARE)
Source: q1medicare.com

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

Florida Blue Medicare Advantage Plans for 2015

Posted by:  :  Category: Medicare

Are you a Florida senior citizen who is trying to maximize your Medicare benefits? Just as each senior citizen has her own unique needs and preferences, insurers offer a variety of different ways to enjoy these hard-earned health benefits and even help you plan for medical expenses that original Medicare does not completely cover. At Secure Health Options, we want to help all Floridians find the right plan that assures them of convenient and affordable access to the best medical providers. You can request information on Medicare Advantage plans and Florida Medicare supplemental insurance in your own local area by entering your home ZIP code in the box at the top of this page. If you have questions or would like help signing up, be sure to give us a call.
Source: floridamedicareadvantageplans.com

Medicare Supplemental Insurance Quotes for People in Florida

There are ten different Medigap plans. Each of the plans will cover a different number and variety of the nine coverage gaps in Part A and Part B. Plan F will cover all the gaps. Plan A and plan B will only cover four and five of the gaps respectively. The more coverage you receive from one of the plans the greater the monthly premium. The plans are standardized so whether you get a Tampa , a Miami , or an Orlando Medicare supplement the coverage will be exactly the same. This even applies across different companies. So AARP offers the exact same coverage from plan G that Mutual of Omaha does. You have to decide how much you are willing to spend per month versus how much coverage you want in order to pick the right supplemental insurance for your needs. The only way to do this is with a set of Florida Medigap quotes.
Source: floridamedicaresupplementquotes.com

Florida Medicare Supplement Insurance Plans

The key to finding the perfect plan is to have all of the information in front of you so you can compare plans. Keep in mind, there are significant differences between lettered plans and it makes sense to review everything to ensure you’re making the best choice. Some plans provide coverage if you travel outside the United States, others do not. At Secure Health Options, we can help you locate these options with Florida Blue so you can have all the information you need to make the right decision, easily and conveniently.
Source: myfloridamedicareplan.com

Department of Human Services

Posted by:  :  Category: Medicare

New Jersey’s Department of Human Services has created this Web site to help Pharmaceutical Assistance to the Aged and Disabled program (PAAD) and Senior Gold Prescription Discount program (Senior Gold) beneficiaries and caregivers learn more about Medicare Part D and what it means for them. PAAD New Jersey’s PAAD program continues to provide state-funded prescription assistance to nearly 143,000 New Jersey residents. Learn more. Senior Gold New Jersey’s Senior Gold program continues to provide state-funded prescription assistance to nearly 23,000 New Jersey residents. Learn more. Caregivers Your friends and loved ones who are currently PAAD and Senior Gold beneficiaries continue to be provided with state-funded prescription assistance. You can get information here to help PAAD and Senior Gold beneficiaries make decisions about Medicare prescription drug coverage and to learn what they need to do to use their state prescription benefits.
Source: nj.us

Medicare Advantage in New Jersey

New Jersey Medicare Advantage beneficiaries with special health needs can opt for a Medicare Special Needs Plan (SNP). This type of Medicare Advantage insurance is geared to patients with specific health conditions, those living in an institution such as a nursing home, or people who are eligible for both Medicaid and Medicare. These plans are tailored to cover the particular needs of those beneficiaries. For example, there are some SNPs for patients with end-stage renal disease (ESRD) and others for those suffering from congestive heart failure.
Source: planprescriber.com

2015 New Jersey 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

New Jersey Medicare Advantage Plans with Part D (Prescription Drug) Coverage

The plans below offer Medicare Advantage and Part D coverage to New Jersey 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 Supplement Plans (Medigap Plans) and other Medicare / Health Insurance Plans

A Medicare Supplement plan is a health insurance policy sold by private insurance companies in your state. It provides additional protection for what is not covered by Original Medicare. This insurance is specifically designed to fill the “gaps” in Medicare Part A and Part B coverage.
Source: libertymedicare.com

Medicare fraud crackdown in New Jersey ensnaring more patients and ambulance companies

The pre-authorization program has clamped down, according to patients and ambulance companies. Throughout 2015, patients and ambulance companies have said that people whose doctors determined that they qualified for stretcher service found the Medicare program administrator for New Jersey, Novitas Solutions, routinely denying authorization.
Source: nj.com

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

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 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

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

Your Medicare Supplemental Insurance Information

Every Medicare Supplemental insurance policy, in order to be designated a “Medicare supplemental” or “Medigap” insurance plan, plan has to follow federal and state laws designed to make the buying process easier for the consumer. Medigap insurance companies can only sell you a “standardized” Medigap policy identified by letters A, B, C, D, F, High-Deductible F, G, K, L, M and N. Each standardized Medigap policy must offer the same basic benefits, no matter what insurance company sells it. Cost is usually the only difference between Medigap policies sold by different insurance companies. (You should, however, compare insurance companies on other measures such as customer service and reputation.)
Source: medicaresupplemental.com

Shopping For Medicare Supplemental Insurance

Health insurance from an employer, professional organization, government or military retiree plans. If you remain employed after your 65th birthday, you may be able to continue your group health insurance with your employer and may not need a Medicare Supplement insurance policy. Likewise, if you become eligible for Medicare but are covered by your working spouse’s health insurance, you may not need a Medicare Supplement Insurance policy. Retirees with group health plans from their employers may consider switching to individual Medicare Supplement insurance policies. If you are in this situation, it is important to review each option before making a decision.  Group retiree plans may not cost anything, or the cost may be lower than buying an individual Medicare Supplement insurance policy.
Source: vermont.gov

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

2015 Michigan Medicare Part D Prescription Drug Plan Highlights www.Q1Medicare.com

Posted by:  :  Category: Medicare

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

Medicare Advantage Plans in Michigan

Do you want more benefits than you get with Original Medicare? Like the security of knowing there’s a limit to what you pay for medical expenses? A Medicare Advantage plan could be a good fit. You can choose a complete insurance package with the convenience of one ID card for all services.
Source: bcbsm.com

Michigan Medicare Supplements :: Medicare in Michigan

The agency is also proud to offer the high deductible plan F. Anyone who has had a supplement understands that Plan F is the most popular, however usually the most expensive. For a lower cost, a consumer can have a Plan F, but with a deductible to meet after your Medicare claims have been paid by Medicare themselves first. This is turning out to be one of the best selling plans within the state at this moment. Contact us to learn more about this plan.
Source: michiganhealthbroker.com