Medicare Supplement Insurance

Posted by:  :  Category: Medicare

*Plans K-N provide for different cost-sharing than plans A-G. Plans K and L pay 100% of hospitalization and preventive care Basic Benefits. All other Basic Benefits are paid at 50% (Plan K) and 75% (Plan L). Once you reach the annual limit, the plan pays 100% of the Medicare copayments, coinsurance and deductibles for the rest of the calendar year. The out-of-pocket annual limit does NOT include charges from your provider that exceed Medicare-approved amounts, called “excess charges.” You are responsible for paying excess charges. Plan N covers Basic Benefits after a $20 copay for office visits and a $50 copay for emergency room visits. **The out-of-pocket annual limit may increase each year for inflation. (2015 limits shown) † Network restrictions apply
Source: bcbsil.com

Health Alliance Medicare Advantage Plans

We’re proud to offer University of Iowa retirees the advantages of our Medicare Advantage plans, extras to help you get and stay healthy, outstanding customer service, and our history of industry experience to bring you the best in health care coverage.
Source: healthalliance.org

Error Occurred While Processing Request

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Source: illinoislegalaid.org

How to Check the Status of Medicare Part B Claims

Posted by:  :  Category: Medicare

Claim form Social Security Number Appeal form Call the treating physician, hospital or supplier. Provide the billing department at the physician’s office with the name of the treating physician, date of service and type of treatment. Contact a Medicare Part B representative at (800) 633-4227. Provide the claim specialist with the claim number. If you do not know the claim number, the claim specialist can locate the claim using your Social Security number. File an appeal or grievance if you believe your claim has been improperly denied. Go to cms.hhs.gov/MMCAG to download an appeal form. Download the Medicare Redetermination Request Form (CMS-20027) if you don’t agree with the initial claim decision by Medicare. Medicare will review your claim and notify you of its decision in writing. If a treating physician has failed to file a claim on your behalf, you can file a Medicare Part B claim yourself. Print out and complete Patient’s Request for Medical Payment, Form CMS 1490S, located on cms.hhs.gov in the CMS Forms section. All claims have a time limit, which can range from 15 to 27 months.
Source: essortment.com

Medicare Eligibility Requirements

Posted by:  :  Category: Medicare

In purchasing a Medigap Supplemental Insurance Policy, getting enrolled by the initial enrollment period is very crucial. If you apply during the IEP, by law, you are guaranteed that all insurers selling Medigap coverage in your state must offer you all the Medigap Supplemental Policy coverage plans that they sell. In addition, this guarantees, by law, that the insurance rate premiums offered to you will be the same as a person considered to be in good health. This applies, regardless of the fact that your current or past health history may not have been good or you have ongoing health issues.
Source: medicare.net

Medicare Eligibility Requirements

Note: You can qualify for Medicare on your spouse’s work record if he or she is at least age 62 and you are at least age 65. You also may qualify on the work record of a divorced or deceased spouse. Following the Supreme Court’s ruling on the Defense of Marriage Act in June 2013, people in same-sex marriages may qualify on their spouse’s work record if they live in the state where they were wed or in another state that recognizes same-sex marriage, or if they are civilian or military employees of the federal government. It’s currently unclear whether same-sex couples outside of these categories have the same rights — but if you’re in this position, you should apply anyway.
Source: aarp.org

Medicare Eligibility and Enrollment

re already getting Social Security checks, you will be automatically enrolled in traditional Medicare. You’ll get your Medicare card three months before your 65th birthday. The benefits kick in on the first day of the month of your 65th birthday. Traditional Medicare, which is also called original Medicare, includes Medicare Parts A and B. Part A is hospital coverage. Part B covers doctor visits, lab tests, and other outpatient services.
Source: webmd.com

Medicare Eligibility Rules

If you are age 65 and currently receiving Social Security or Railroad Retirement Benefits, you are eligible for Medicare and you will be automatically enrolled in Medicare Part A and Part B. However, because Part B has a premium, you have the option of declining Part B coverage. In addition, Part B does require payment of a monthly premium of $104.90, barring certain exceptions, for individuals enrolling in Part B January 1, 2015 or later. These premiums can change on an annual basis.
Source: planprescriber.com

New Hampshire Insurance Department

Posted by:  :  Category: Medicare

- Special Fraud Alert from the Office of Inspector General (OIG) The OIG has received credible information that some Durable Medical Equipment (DME) suppliers continue to use independent marketing firms to make unsolicited telephone calls to Medicare beneficiaries marketing Durable Medical Equipment.  Section 1834(a)(17)(A) of the Social Security Act prohibits unsolicited telemarketing by Durable Medical Equipment Suppliers.  Please contact the OIG, US Department of Health and Human Services at 617-565-2664 if you have any information about DME suppliers engaging in these activities. 
Source: nh.gov

Extra Help with Medicare Prescription Drug Plan Costs

Posted by:  :  Category: Medicare

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

Medicare Assistance Programs

If your loved one qualifies for health benefits from the Department of Veterans Affairs (VA), he or she can receive both Medicare and VA benefits, but they don’t work together. Medicare doesn’t pay for any care provided at a VA facility–the only place VA benefits are offered. Many veterans use their benefits to get services not covered by Medicare, such as prescription drugs. For more about eligibility and benefits, call the VA Health Administration Center at 1-800-733-8387 or 1-877-222-8387.
Source: agis.com

Senior Health Insurance Information Program

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Source: la.gov

Oklahoma Insurance Department

The Senior Health Insurance Counseling Program (SHIP) is a non-profit organization helping to inform the public about Medicare and other senior health insurance issues. This division provides accurate and objective counseling, assistance, and advocacy relating to Medicare, Medicaid, Medicare supplements, Medicare Advantage, long-term care, and other related health coverage plans for Medicare beneficiaries, their representatives, or persons soon to be eligible for Medicare.
Source: ok.gov

MedicareHelp.org the Leading Medicare Help Site for Seniors.

We are here to help you find the best insurance at the lowest price. MedicareHelp.org is a website that helps you compare various insurance options to see which one suits your needs best. MedicareHelp.org offers comprehensive information on Medicare, Medicare Advantage, Medicare Part-D, and their providers. This site is 100% free to use and we are compensated by Ad revenue only. And we do not require personal information to use our site. We are not licensed nor do we sell any type of insurance, nor will we recommend, suggest, or endorse or become affiliated with any individual insurance company. In other words we are here to provide you unbiased information about your various insurance options.
Source: medicarehelp.org

Consumer Guide to Health Care

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

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

Medicare Prescription Drug Coverage (Medicare Part D)

Medicare sets standard costs for the prescription drug benefit each year. Private companies approved by Medicare offer plans with different costs and selections of prescription drugs. You can select a plan based on the prescriptions you take and select a company that is most effective for you. To reduce your costs, enter your medications on Medicare’s secure online Find health and drug plans website. You will pay more if your prescriptions are not in the plan formulary or the plan restricts or limits their use.
Source: texas.gov

Start a Home Healthcare Agency

Posted by:  :  Category: Medicare

The VBP model put forward by CMS follows these general guidelines. However, the detailed part of the VBP model deserves special attention. First, the CMS model would reduce or increase Medicare payments in a range of 5-8% over the life of the seven year pilot (ending in 2022) with the first payment years at 5% (2018 and 2019). This is in contrast with the current hospital VBP which puts at risk 1.25% rising gradually to 2.0%. In 2014 comments, NAHC strongly objected to the suggested 5-8% as putting continued access to care in jeopardy. While the pilot program would be budget neutral, CMS projects that 10% of providers (with the exception of small volume providers in two states) will receive payment reductions ranging from 2.26 to 3.33%. As such, while 5% of payment may be at risk in the first years, the payment impact is expected to be less based on an evaluation of the pilot design on prior year’s data.
Source: 1staccreditation.com

CMA Health Policy Consultants

2015 will also usher in a new Congress. Many of its leaders and members will likely champion plans to further privatize Medicare. These proposals will likely surface despite increasing reports that Medicare costs and the federal deficit are declining, and that traditional Medicare costs less than private Medicare. Once again we will likely hear about plans to transform Medicare to “Premium Support” (a voucher towards the purchase of private insurance). We will probably read about proposals to increase the age of Medicare eligibility, decrease the value of Supplemental Medicare Insurance (Medigap), redesign Medicare to make it “simpler” (but less useful for most beneficiaries). We urge you to listen carefully for these and other such plans. And respond!
Source: cmahealthpolicy.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

Social Security Tax / Medicare Tax and Self

Posted by:  :  Category: Medicare

The United States has entered into social security agreements with foreign countries to coordinate social security coverage and taxation of workers employed for part or all of their working careers in one of the countries. These agreements are commonly referred to as Totalization Agreements. Under these agreements, dual coverage and dual contributions (taxes) for the same work are eliminated. The agreements generally make sure that social security taxes (including self-employment tax) are paid only to one country. You can get more information on the Social Security Administration’s Web site.
Source: irs.gov

About the Blue Cross and Blue Shield Association

Posted by:  :  Category: Medicare

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 reveals that women are receiving less aggressive treatments after a heart attack than men. Following a heart attack, women are 27% less likely than men to receive angioplasties to open clogged arteries and are 38% less likely than men to undergo coronary bypass surgery. Read the full report.
Source: bcbs.com

Medicare Advantage Plans 2016

A type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Medicare Part A and Part B benefits. Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee‑for‑Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans. If you’re enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and aren’t paid for under Original Medicare. Most Medicare Advantage Plans offer prescription drug coverage.
Source: medicarehealthinsurancefacts.com

2016 Delaware 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 $3752.5 in drug costs (the Donut Hole). The Healthcare Reform provides that for Plan Year 2016, ALL formulary generics will have at least a 42% 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

Welcome to the Delaware Family Court

    “It is with great sadness that the Family Court announces the passing of Judge Alan N. Cooper.  Judge Cooper was a member of the Family Court Judiciary since December 7, 2005.  He served the citizens of Delaware with distinction. His intellect, compassion, and concern for the parties who appeared before him were reflected in his many well written decisions. He also led Family Court’s initiatives with respect to issues of domestic violence. His leadership resulted in many changes as to how Family Court processed and resolved petitions for Protection from Abuse. His leadership, hard work, good humor, and positive personality will be missed by the Family Court and the citizens of Delaware.”  — Family Court Chief Judge Michael K. Newell
Source: delaware.gov