Allsup Medicare Advisor Frequently Asked Questions

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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

American Retirement Advisors 800

The process of making the complex easy to understand has been an age old challenge.  Creating Medicare Made 123 Easy is our contribution to Americans approaching, understanding and utilizing Medicare. Our informational workshops, top selling book and trained Medicare Planners transform the cumbersome task of selecting a Medicare plan into a 123 Easy process.   Besides having a top selling book on Medicare with Amazon (5 Stars), American Retirement Advisors is…
Source: americanretirementadvisors.com

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: American Diabetes Association®

Some beneficiaries choose Medicare Advantage plans instead of Medicare Part A and B (the “Original Medicare Plan”). A Medicare Advantage Plan is a type of Medicare health plan offered by a private insurance company that contracts with Medicare to provide you with all your Part A and Part B benefits. Because Medicare Advantage plans are private insurance plans, they come in all shapes and sizes. Out-of-pocket costs vary depending on the plan. Most plans offer prescription drug coverage and plans may offer extra benefits that are not covered under Parts A and B (but you may pay extra for them).
Source: diabetes.org

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

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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

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

About the Blue Cross and Blue Shield Association

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Blue Cross Blue Shield Association and Blue Health Intelligence have collaborated and released the Blue Cross Blue Shield, The Health of America Report. This report analyzed three years of independent Blue Cross and Blue Shield (BCBS) companies’ claims data for typical knee and hip replacement surgeries and found that their cost can vary by as much as 313%, depending on where the surgeries are performed. Read the full report.
Source: bcbs.com

Blue Cross Blue Shield Medicare Coverage

In order for medical services to be considered for payment by Medicare, doctors, hospitals and other health care providers that are approved by Medicare must be used. Always check with your doctor or other health care providers to make sure he or she is Medicare-approved.
Source: bcbstx.com

Medicare Supplement Plan F

* A benefit period begins on the first day you receive services as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row. ** NOTICE: When your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy’s “Core Benefits.” During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount Medicare would have paid.
Source: bcbsil.com

Health Insurance for North Carolina

We’ll be doing website maintenance Thursday, November 13 from 8 p.m. until 10 p.m. You may experience problems accessing certain areas of bcbsnc.com during that time. We’re sorry for the inconvenience.
Source: bcbsnc.com

Extra Help with Medicare Prescription Drug Plan Costs

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

Find your level of Extra Help (Part D)

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 Resources: Extra Help

The Centers for Medicare & Medicaid Services (CMS) requires that all plan sponsors accept evidence presented by a Medicare beneficiary that he or she is eligible for extra help/ Low Income Subsidy (LIS) even if Medicare records show otherwise. Once a beneficiary submits the Best Available Evidence to Cigna-HealthSpring, we will request that CMS update the beneficiary’s LIS status in the CMS system.
Source: cigna.com

Medicare Rights University

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Welcome to Medicare Rights University, a collection of courses and resources for those who want a clear path to learning Medicare. Medicare Rights University (MRU) is a product of the Medicare Rights Center, a national, non-profit organization that works to ensure access to affordable health care for older adults and people with disabilities. Please take a look at the video below to learn more about MRU.
Source: medicarerightsuniversity.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

TEXAS MEDICAID APPLICATION

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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

The United States Social Security Administration

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For 100 million viewers, it’s the end of an era. After 53 years on air, Sábado Gigante last aired on September 19. With fans in more than 40 countries around the globe, Sábado Gigante was the longest-running variety show in television…
Source: socialsecurity.gov

MobilityCare.com Torrance, CA (800) 464

We treat our customers like family. MobilityCare.com has been the source for medical supplies and equipment in the Torrance, CA area for years because of our superior commitment to provide you with the absolute best in product quality and customer service. Our highly trained staff will help you make the best choices for your needs, while providing you with friendly service and expert advice. Every effort is made to ensure that your experience is as pleasant and efficient as possible. Stop by and see us! Our business is your good health.
Source: mobilitycare.com

Total Number of Medicare Beneficiaries

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Data indicators about private plans participating in the Medicare Advantage program and the Medicare prescription drug program. The Medicare Health and Prescription Drug Plan Tracker enables users to monitor trends in enrollment, market penetration and other topics for Medicare Advantage plans since 1999 and stand-alone Medicare drug plans since 2006 by state, county and other sub-state geographies.
Source: kff.org

How to Find a Medicare Number (3 Steps)

Look at your social security card. Your social security number is the first part of your Medicare number for part A and B benefits. The second part is the letter A or B, depending on which benefit you are needing the number for. Part A is inpatient hospital benefits and Part B is outpatient medical benefits. For example, if your social security number is 111-22-3333, then your Medicare number for Part A benefits is 111-22-3333-A. If you do not have a social security card or your Medicare card, contact your local SSA office for a list of documents required for obtaining a replacement card.
Source: ehow.com

Medicare Benefits Schedule (MBS)

MBS service statistics broken down by Commonwealth Electoral Division (CED) are available in the PDF files below. File 1 details Medicare Safety Net statistics for the 2010 calendar year of service by CED and File 2 details Medicare Bulk Billing statistics for the 2010 – 11 financial year of processing by CED. It is important that you read all notes on these files.
Source: gov.au

Understanding the Medicare Part D Donut Hole

Posted by:  :  Category: Medicare

Once you and your Part D drug plan have spent $2,840 for covered drugs, you will be in the donut hole. Previously, you had to pay the full cost of your prescription drugs while in the donut hole. However, in 2011, you get a 50% discount on covered brand-name prescription medications. The donut hole continues until your total out-of-pocket cost reaches $4,550. This annual out-of-pocket spending amount includes your yearly deductible, copayment, and coinsurance amounts.
Source: about.com

Medicare Part D coverage gap

In 2006, the first year of operation for Medicare Part D, the donut hole in the defined standard benefit covered a range in true out-of-pocket expenses (TrOOP) costs from $750 to $3,600. (The first $750 of TrOOP comes from a $250 deductible phase, and $500 in the initial coverage limit, in which the Centers for Medicare and Medicaid Services (CMS) covers 75 percent of the next $2,000.) In the first year of operation, there was a substantial reduction in out-of-pocket costs and a moderate increase in medication utilization among Medicare beneficiaries, although there was no evidence of improvement in emergency department use, hospitalizations, or preference-based health utility for those eligible for Part D.
Source: wikipedia.org

How does this Donut Hole really work?

I use medications not covered by my Medicare Part D plan or sometimes I buy my medications from outside of the country (for instance, in Canada or Mexico). Are these prescription drug expenses included in the $2960 or any other Part D calculation? No. Any medications not included on your Medicare Part D plan’s formulary or drug list (also known as: out of formulary drugs) or drugs that you purchased outside of the United States fall outside of your Medicare Part D coverage and are not included in the $2960 or any other Part D calculation. If you use a medication that is not included on your formulary, you can ask your Medicare Part D plan for a formulary exception or coverage determination, whereby your non-formulary drug would be included on your own personal formulary. If your Medicare Part D plan denies your request for a coverage determination, you can appeal the denial – several times. Be sure to ask your Medicare Part D plan for details on the formulary exception and appeals process.
Source: q1medicare.com

Costs in the coverage gap

Mrs. Anderson reaches the coverage gap in her Medicare drug plan. She goes to her pharmacy to fill a prescription for a covered brand-name drug. The price for the drug is $60, and there’s a $2 dispensing fee that gets added to the cost. Mrs. Anderson will pay 45% of the plan’s cost for the drug ($60 x .45 = $27) plus 45% of the cost of the dispensing fee ($2 x .45 = $0.90), or a total of $27.90, for her prescription. $57.90 will be counted as out-of-pocket spending and will help Mrs. Anderson get out of the coverage gap because both the amount that Mrs. Anderson pays ($27.90) plus the manufacturer discount payment ($30.00) count as out-of-pocket spending. The remaining $4.10, which is 5% of the drug cost and 55% of the dispensing fee paid by the drug plan, isn’t counted toward Mrs. Anderson’s out-of-pocket spending.
Source: medicare.gov

Who Falls Into the Medicare Donut Hole?

Specifically, Obamacare required that drugmakers give participants the right to buy drugs at a discount. For brand-name prescription drugs, the discount for 2015 is 50%, with the government contributing another 5% reduction in cost. On a $100 prescription, that gives participants a $50 discount from the drugmaker and a further $5 paid by the government, leaving just $45 for the participant to pay. With brand-name drugs, Obamacare called for participants to get credit for donut-hole purposes for the undiscounted amount, even though the participant didn’t actually pay that amount. Therefore, in the example above, the participant is treated as if the cost had been $95 — the $45 actual cost plus the $50 drugmaker discount.
Source: fool.com

Donut Hole, Medicare Prescription Drug

Most plans with Medicare prescription drug coverage (Part D) have a coverage gap (called a “donut hole”). This means that after you and your drug plan have spent a certain amount of money for covered drugs, you have to pay all costs out-of-pocket for your prescriptions up to a yearly limit. Once you have spent up to the yearly limit, your coverage gap ends and your drug plan helps pay for covered drugs again.
Source: healthcare.gov

Health Insurance, Dental Insurance & Other Insurance Plans

Posted by:  :  Category: Medicare

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 Coverage

Whether you a self-employed individual, a family, an employer or a student, don’t assume that your situation disqualifies you from affordable health insurance. There are many great health insurance plans available to people of all walks of life. Through our numerous partners and health providers, finding the best health insurance plan is easy at HealthInsuranceCoverage.com. Simply answer a few quick questions regarding your age and medical history and we’ll begin processing your free health insurance quote immediately.
Source: healthinsurancecoverage.com

Health Insurance – State Farm®

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Source: statefarm.com

Health Insurance, Medical Insurance, Individual Health Insurance Quotes

If you don’t have coverage through your work, you can buy coverage through the government-run marketplaces called exchanges. Some states run their own exchanges while others rely on the federal government. If your state doesn’t have its own marketplace, you shop for health insurance through Healthcare.gov.
Source: insure.com

Affordable health insurance for families and the self

In June, the U.S. Supreme Court upheld the legality of the Affordable Care Act’s health insurance subsidies, handing down a 6-3 decision against the plaintiff in King v. Burwell. The decision is a relief not only for the millions of Americans who relied on Obamacare subsidies to purchase ACA-compliant comprehensive health insurance, but for millions more who anticipated a huge disruption in the health insurance market.
Source: healthinsurance.org