OIG Exclusion List: What it Means, What You Should Do

Posted by:  :  Category: Medicare

Searching the LEIE is important because health care providers who hire an individual on the LEIE may be subject to civil monetary penalties (“CMP”). Section 1128A(a)(6) of the SSA states that CMPs may be imposed against health care providers and entities that employ or enter into contracts with excluded individuals or entities. Under the CMP authority, providers may face CMP exposure, as discussed more fully below, if they submit claims to a Federal health care program for items or services provided, directly or indirectly, by excluded individuals. CMP liability applies to all of the following: direct patient care, indirect patient care, administrative and management services, and items or services furnished at the medical direction or on the prescription of an excluded person when the person furnishing the services either knows or should know of the exclusion.
Source: dinsmore.com

How to Find a Dentist That Accepts Medicaid

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According to a report published early in 2015 by the Center for Health Care Strategies, 47 states offer some form of Medicaid dental coverage, but 15 of those limit it to emergency care and only 16 offer comprehensive coverage, which includes regular check-ups. Participation by individual providers is always optional. If your state Medicaid program includes dentistry, and you have a local dentist in mind, contact their office directly to inquire whether or not they will accept Medicaid insurance. If they don’t, they may be able to refer you to another dentist who will. If you have trouble scheduling an appointment, contact the state Medicaid agency for assistance. Bring your insurance card to the dentist’s office and be prepared to complete some paperwork, if it’s your first visit.
Source: ehow.com

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 Plans for Different Needs

Posted by:  :  Category: Medicare

Your health is important. Find a UnitedHealthcare Medicare Advantage plan or Medicare prescription drug plan that may be right for you before Open Enrollment ends December 7. With a Medicare Supplement Insurance plan* you may apply at any time throughout the year.  
Source: uhcmedicaresolutions.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 Supplemental Policies: Do You Need One? 

Posted by:  :  Category: Medicare

We’ll start with what they cover. Supplemental insurance is sold to cover “what Medicare doesn’t.” Remember I said that wasn’t quite true. Unless a supplemental policy specifically states otherwise, the most it will cover are the Medicare deductibles ($147 outpatient and $1,187 hospitalization) and the 20 percent co-insurance. Supplemental policies do not usually cover any medical services Medicare won’t cover. What’s more, Medicare supplemental insurance will only pay health care providers what you would pay if you didn’t have the supplemental policy. Providers aren’t paid any more for taking care of you if you have one of these policies.
Source: huffingtonpost.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

Medicare Information, Help, and Plan Enrollment

Humana is a Medicare Advantage [HMO, PPO and PFFS] organization with a Medicare contract. Enrollment in any Humana plan depends on contract renewal. This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments and restrictions may apply. Benefits, premiums and/or member cost-share may change on January 1 of each year.
Source: medicare.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

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

"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

Welcome to Maine Medicare Options!

Posted by:  :  Category: Medicare

The benefit to you is that I am a “One-Stop Shop.”   When you sit down with me we will review your specific needs and match you up with the plans that best meet those needs.  I will help you narrow down those choices to one plan by answering all your questions so you can make the best choice for you and feel confident knowing that you have chosen the right plan.  I will also help you enroll in the plan and as your agent, I will be there with you during the entire process of enrollment.  I am also available to you during the year any time you have questions or need direction.  Medicare is very complex and it is a great relief to know you have someone in your corner every step of the way.   Every year Medicare Advantage and Part D Prescription Drug plans can change and as your agent, I will talk with you or meet with you before your plan changes.  We will review all changes and if necessary help you to find a new plan that suits your needs best.  I will never pressure you or suggest you change plans.  That decision is always yours to make.   I am simply here as a guide to help you make an informed decision.  I am well respected among my peers and maintain a good reputation. I build meaningful relationships with the people I meet and offer exceptional customer service.
Source: mainemedicareoptions.com

2016 Minnesota Medicare Part D Prescription Drug Plan Highlights www.Q1Medicare.com

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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

Frequently asked questions about Medicare billing

What is the billing process for Mayo Clinic Hospital services? Mayo Clinic Hospital, Methodist Campus, and Mayo Clinic Hospital, Saint Marys Campus, participate in the Medicare program. If you’re hospitalized at Mayo Clinic Hospital, Methodist Campus, or Mayo Clinic Hospital, Saint Marys Campus, Mayo Clinic files your Part A (hospital inpatient) and Part B (hospital outpatient) claims to Medicare for you. Medicare payments will be sent directly to the hospital. You’ll receive a Medicare Summary Notice from Medicare when it processes your claim. Payment for Part B claims may be sent directly to you and should be forwarded to Mayo Clinic. If you have supplemental hospital insurance, Mayo Clinic will file the claim for you.
Source: mayoclinic.org

MN Minnesota Insurance Quote Auto Home Health Life Blue Cross Crystal MEDICA Medicare

There are quote forms for most lines of personal insurance such as Automobile, Homeowners, motorhome (AAA, Allied, Auto Owners, Dairyland, Encompass, Kemper, Midwest Family Mutual & Progressive) Health, Medicare Supplements, Medicare Advantage Plans, Medicare Part D Prescription Drug Plans, (Blue Cross and Blue Shield of Minnesota an independent licensee of the Blue Cross and Blue Shield Association. An authorized independent agency for Blue Cross and Blue Shield of Minnesota, MEDICA, Assurant Health), Life (Banner Life, Genworth, Hartford, ING, Met Life, Protective Life, Prudential), Dental (individual and group), Long-Term Care, Disability Income, Global / Travel Medical, Employee Benefits, RV, Church / Synagogue, Contractor / Construction, Commercial, Critical Illness, Motorcycle, Watercraft (boats), Motor Home, Jet Ski (personal watercraft) & Snowmobile insurance.  Fill out the quote form to receive rates from top rated companies doing business in MN.
Source: insuremn.com

Public Employees Retirement Association of Minnesota 

As of Oct. 14, 2015, Doug Anderson has accepted the position of Executive Director of PERA. The PERA Board of Trustees made the offer, contingent on background and reference checks, at the Oct. 8 board meeting. Anderson will start Monday, Nov. 2, in a part-time capacity as he transitions from his present position with Arthur J. Gallagher. Anderson has been an actuary for the past 25 years. He is a Minnesota native, and a University of Minnesota grad. He will begin working full-time for PERA Jan. 1, 2016.
Source: mnpera.org

Which Prescription Drugs are Covered under the Medicare Part D plans?

Posted by:  :  Category: Medicare

The list of prescription drugs covered by the Medicare Part D plans (or a Plan’s Formulary) can vary plan to plan. However, every therapeutic category of prescription drugs will be covered under the Medicare Part D prescription drug plans. Medicare Part D plans must cover all or substantially all drugs in six categories: antidepressants, antipsychotics, anticonvulsants, antiretrovirals (AIDS treatment), immunosuppressants and anticancer. Naturally, not every plan will cover each drug and Medicare beneficiaries must therefore choose a plan that best accommodates all of their personal prescription drug needs and financial situation. More specifically, some plans will provide coverage for generic drugs, while other plans will focus on providing a wide range of name-brand prescription drugs. As noted, plan premiums will reflect the plan’s coverage.
Source: q1medicare.com

Medicare Part D Drug List

How it works is this; if you were to get sick and need to go to the doctor, you would go and have him diagnose you. After this diagnosis, you would then be prescribed some medication. Then, you would take the prescription that you were given and you would go to the pharmacy to get that medication. Then, you would be given the medication and the bill that comes along with the medication. You would then have to pay for all of the medication as well as any refills that you might have to get in accordance with the prescription that you were given earlier by your doctor. From here, you would just have to pay right? Yes and no. If you were to have the coverage and the Medicare part D drug list, then you would still have to pay for the medication, but the main difference is that you would only have to pay for about 20% to 40% of the full bill. This means that you could get out of a large medication bill with a relatively low amount of payment. This is why the Medicare drug list is so good.
Source: medicarepartd.org

Medicare Supplemental, Advantage, and Part D Plans

Posted by:  :  Category: Medicare

Because of the significant amount of out-of-pocket payments required by traditional Medicare, a booming market of private-sector insurance products has grown up around the government programs. These Medicare-related insurance products are one of the fastest-growing segments of the U.S. health insurance industry overall. And they are the part of the market on which a smart consumer should focus his or her attention. Medicare Providers mission is to help seniors understand these products and provide tools assist in the decision making process.
Source: medicare-providers.net

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 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

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

MedicareMall Homepage 2015

Original Medicare Part A and Part B covers approximately 80% of your Medicare approved Medical expenses and limited Hospitalization coverage. A Medicare Supplement (also known as Medigap Plan) will help you cover those expenses. Our most popular Medigap Plans are Plan F, Plan G, and Plan N.
Source: medicaremall.com

Compare Medicare Advantage & Supplemental Plans

Posted by:  :  Category: Medicare

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

Get Medicare Supplemental Insurance Plan Quotes

Ms. Tuesday N. was very well versed and knowledgeable regarding my mother’s situation; her service skills are outstanding. I was very pleased, and she kept my mother interested in what she had to say, which is very difficult for me at times. Thank you, Tuesday, for the incredible service. You’re amazing and ONE OF A KIND. I will be in touch to continue with my mother’s application and receive more of your excellent services. Thank you again.
Source: ehealthmedicare.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

Medicare Supplemental Insurance by 1

 A Medicare Supplement Plan, or Medigap, is a type of medicare health insurance that is sold by private insurance companies and is specifically designed to help you by filling in the “gaps” of Original Medicare. In order to purchase a Medigap plan you must be enrolled in Medicare Part A and B, and you will continue to pay your monthly Part B premium. You would then pay your Medigap premium and as long as your premium gets paid you will have the benefit of guaranteed renewable coverage. What this means is that the insurance company cannot cancel your policy.   There are several different plan types available to consider, but it is important to note that Medigap policies are “standardized.” This means that they are required to abide by the Federal and State laws that are put in place to protect you. The standardized policies must provide you with the same benefits no matter what company sells them and generally the only difference from company to company, if it is the same plan type, is the cost. Many couples would like to be covered under the same policy, but you and your spouse must each purchase your own individual policies. In some instances you might be allowed to purchase a Medicare Supplement plan that is guaranteed issue without any medical underwriting! This means that you cannot be denied coverage. 
Source: youandmedicare.com

Medicare Supplemental Insurance and Supplement Plans

About the author Susan Wright has been working in the insurance and financial services industries for over 20 years. She earned her MBA degree from St. Louis University, and her BA degree from Michigan State University. Susan has been licensed as an insurance agent and FINRA securities broker. In addition, she has earned nine professional designations, including: – CLU (Chartered Life Underwriter) – ChFC (Chartered Financial Consultant) – RHU (Registered Health Underwriter) – REBC (Registered Employee Benefits Consultant) – CSA (Certified Senior Advisor) – CLTC (Certified in Long-Term Care) – CCFC (Certified Cash Flow Consultant) – CSS (Certified Seniors Specialist in Real Estate) – ADPA (Accredited Domestic Partnership Advisor) Learn more about Susan on Google+
Source: medicaresupplementalinsurance.com

Medicare Information, Help, and Plan Enrollment

Humana is a Medicare Advantage [HMO, PPO and PFFS] organization with a Medicare contract. Enrollment in any Humana plan depends on contract renewal. This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments and restrictions may apply. Benefits, premiums and/or member cost-share may change on January 1 of each year.
Source: medicare.com

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