Medicare News and Updates

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The pneumonia vaccination guidelines for older adults have just been updated. The Advisory Committee on Immunization Practices (ACIP) now recommends people 65 years or older get vaccinated for pneumonia twice, 12 months apart, each time using a different type of vaccine, instead of getting vaccinated once.
Source: medicaremadeclear.com

Medicare Made Clear: Medicare Information

Keep in mind that Original Medicare (Parts A and B) doesn’t cover everything and could leave many people with gaps in coverage. It’s important to understand the plan choices you have and how those choices may affect your health and budget.
Source: uhc.com

3 Good Reasons to Shop for a New Medicare Plan

Many people choose a plan when they first enroll in Medicare and then never look back. They simply stay with the same plan year after year. In general, Medicare Advantage and Part D plans automatically renew your enrollment every year if you don’t take any action.
Source: medicaremadeclear.com

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

What’s Medicare Supplement Insurance (Medigap)?

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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 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

Talk to State Farm Mutual Automobile Insurance Company About Medicare Supplement Insurance

El siguiente contenido aún no está disponible en español. Nuestras disculpas por cualquier inconveniencia que esto pueda causar. Este contenido estará disponible en español en un futuro cercano.
Source: statefarm.com

Medicare Supplement Plans

To be eligible to enroll in a Medicare Supplement plan, you must be enrolled in both Medicare Part A and Part B. The best time to enroll in a plan is during the Medigap Open Enrollment Period, which begins on the first day of the month that you are both age 65 or older and enrolled in Part B, and lasts for six months. During this period, you have the guaranteed issue right to join any plan of your choice, meaning that you may not be denied coverage based on any pre-existing conditions. If you miss this enrollment period and attempt to enroll in the future, you may be denied coverage based on your medical history.
Source: ehealthinsurance.com

Military Retireee Benefits (TRICARE)

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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 Part D and TRICARE

If TRICARE-Medicare beneficiaries enroll in a prescription drug plan that adds prescription coverage to the original Medicare plan, Medicare is primary and TRICARE, as second payer, will pay their out-of-pocket costs for TRICARE-covered medications and the Medicare deductible and cost shares. When beneficiaries become responsible for 100 percent of the drug costs under the Medicare Part D drug plan, the TRICARE pharmacy benefit becomes primary payer and the beneficiary is responsible for applicable TRICARE pharmacy copays and cost shares. Once the TRICARE catastrophic cap is met, TRICARE pays 100 percent for TRICARE-covered medications.
Source: military.com

TRICARE and Medicare at CRDAMC

Beneficiaries who desire to participate in the Medicare outpatient prescription plan should enroll when first eligible. If a beneficiary does not enroll when first eligible, and subsequently desires to do so, an annual late penalty would normally be assessed. However, TRICARE pharmacy benefits are considered a creditable prescription plan under the bill, and as such, uniformed services beneficiaries who do not enroll in the Medicare prescription drug benefit when first eligible do not have to pay an annual penalty if they subsequently enroll because they involuntarily lost their eligibility under TRICARE. Individuals could involuntarily lose their TRICARE eligibility when a dependent widow or widower remarries a person who is not a uniformed services member or retiree, or when a dependent and member or retired member divorce, and the dependent spouse does not qualify under the law as an eligible former spouse for TRICARE benefits.
Source: army.mil

Dental Coverage Under Medicare

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For complete dental coverage, you can shop online at www.ehealthinsurance.com to learn about and buy an individual dental insurance plan that fits your personal needs. You may also have group dental insurance available, if either you or your spouse is employed. Be sure to read the plans carefully. Some dental plans require you to stay within a network of dental care providers. The premiums may be a bit higher for this type of plan, but the costs are offset by lower out-of-pocket fees, like copayments, coinsurance, and deductibles, mainly because network dentists usually agree to charge discounted rates to members of the dental plan. Other plans let you go to any licensed dental professional, but you may have to pay more at the time of service.
Source: ehealthmedicare.com

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

www.Q1Medicare.com Your Source for Medicare Part D Plan Information

Looking for a place to get started? Here is an overview of the Medicare Part D prescription drug and Medicare Advantage programs: Medicare Part D prescription drug plans (or PDPs) provide insurance coverage for your prescription drugs. Medicare Advantage plans (MAs or MA-PDs) provide your Medicare Part A coverage (In-patient and Hospitalization) and your Medicare Part B coverage (Doctors visits and Out-Patient care) – and maybe even Medicare prescription drug coverage. Medicare Part D plans and Medicare Advantage plans are both voluntary programs and you are not required to join a plan. But you may be subject to a late-enrollment penalty if you decide to join a prescription drug plan sometime after your initial enrollment period has ended. Medicare Part D plans and Medicare Advantage plans are regulated by the Centers for Medicare and Medicaid Services (CMS or Medicare) and implemented by private insurance companies (such as Aetna, Humana, and United HealthCare). If you decide to enroll in a Medicare Part D plan or Medicare Advantage plan, you will find that, like any insurance, you pay a monthly premium. The monthly premiums for a Medicare Part D PDP can range from under $20 to over $130 dollars. The monthly premiums for a Medicare Advantage plan with (MA-PD) or without (MA) prescription coverage can range from $0 (no kidding) to well over $100. Medicare Part D and Medicare Advantage plans may have an initial deductible, co-payments or co-insurance, and some Donut Hole (Doughnut Hole) or Gap coverage (you can find more on these topics in our Glossary). When you enroll in a Medicare Part D prescription drug plan or a Medicare Advantage plan that offers prescription coverage, you should find that your prescription medication costs are reduced. The amount of savings depends on the Medicare plan you select. If you wish to learn more, you can click on this link to view all of the Medicare Part D plans in your State
Source: medicare-pdp.com

Welcome to Medicare GenerationRx (Employer PDP)

Medicare GenerationRx™ (Employer PDP) is offered nationally in all 50 states, the District of Columbia, and the U.S. Territories. This prescription drug plan is a group plan underwritten by Transamerica Life Insurance Company (Rutland, VT).
Source: medicaregenerationrx.com

Prescription Drug Coverage

The page could not be loaded. The CMS.gov Web site currently does not fully support browsers with “JavaScript” disabled. Please enable “JavaScript” and revisit this page or proceed with browsing CMS.gov with “JavaScript” disabled. Instructions for enabling “JavaScript” can be found here. Please note that if you choose to continue without enabling “JavaScript” certain functionalities on this website may not be available.
Source: cms.gov

Safe Ways to Spend Down Your Assets to Qualify for Medicaid

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When you spend a lump sum of money on an annuity for your spouse, your spouse is guaranteed a fixed income for a certain number of years. (Your spouse’s income is not counted toward Medicaid eligibility.) This is a great way to spend down assets if you’re married. But in order for an annuity to work as a way to spend down resources, it must meet certain requirements; for example, the annuity must be nontransferable and your state’s Medicaid agency must be listed as the primary beneficiary after the death of your spouse. For more information, see our article on using annuities for Medicaid long-term care planning.
Source: nolo.com

What Is Medicaid Spend Down?

A Medicaid spend down is a portion of health coverage that an individual must pay for before Medicaid coverage begins. The exact amount of the spend down varies depending on the state in which you live, medical bills you have each month and other factors. Individuals who receive any portion of their income from Supplemental Security Income through Social Security are not required to pay a spend down for Medicaid.
Source: ehow.com

“Spending Down” to Medicaid: How to Spend Down to Medicaid

Although I had been a financial planner and advisor for years, I had not come in contact with the Medicaid program personally or through clients, just through reading and seminars. I had learned that planning before acting is VERY important and that eligibility requirements vary by state. Those who specialize in this area, elder law attorneys, medical social workers, and state-employed case workers are your greatest resource to avoid delays and avoid creating periods of ineligibility requiring re-certification. They can keep you from running afoul of the more stringent divestiture rules, including a five-year look-back at transfers/gifts of assets, contained in the Deficit Reduction Act of 2005 passed by congress.
Source: agingcare.com

Medicaid Excess Income (“Spenddown” or “Surplus Income”) Program

People with disabilities who find it difficult to go into a DSS/Medicaid office have a right to fax in bills as a reasonable accommodation for a disability. In some districts, including New York City, anyone can fax in their bills. Ask your caseworker for a fax number and fax cover sheet, or for another procedure to accommodate your disability. The fax number in New York City is 917-639-0645. If you fax bills, you must include your name, case and CIN number, the amount of your excess income, and say which month(s) you want coverage. If you need help with producing your bills because of a disability, you can contact your local department of social services to see what reasonable accommodations can be made.
Source: ny.gov

Private Pay or Medicaid? Long Term Care Benefit Qualifies for Both

Too often our company encounters seniors and their family who have owned a life insurance policy for many years that are about to lapse or surrender it for minimal value. They have contacted their life insurance company to ask them what they can do. The life insurance company will inform them that they really only have two options if they don’t pay their premium: surrender the policy for its cash value (if it has any) or let it lapse. Most people that receive a lapse notice have no cash value because it has already been drained by the carrier to make premium payments. That typically leaves the final option of pay or go away. The number of seniors that allow this to happen to a policy after paying premiums, sometimes for decades, is scandalously high. State law makers around the country have taken notice of this situation and are now taking action to make sure policy owners are informed of their options before abandoning their life insurance.
Source: lifecarefunding.com

Affordable Arizona Medicare Plans

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insuranceQuotes is an independent, privately-owned company that provides thousands of consumers with an effective and free way to shop and compare insurance quotes online. We are not affiliated with healthcare.gov or other state-based exchanges; however, through trusted partnerships with thousands of insurance agents in your local area and at over a hundred of the nation’s elite insurance providers, consumers using our services can receive quotes for insurance plans that may appear on state-based and/or federal exchanges, as well as for private plans that meet federal standards to be a qualified health plan under the Affordable Care Act. We do not sell health plans ourselves, but work with these licensed entities.
Source: arizonamedicare.org

Noridian Healthcare Solutions, LLC

Part A claims processing covers services provided through hospitals and post-hospital care. Noridian administers Part A for ‘)” onmouseout=”UnTip()”>Jurisdiction F and ‘)” onmouseout=”UnTip()”>Jurisdiction E.
Source: noridianmedicare.com

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 Select Plans and Rates Compared Online

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Medicare SELECT is a type of Medigap policy that works by utilizing a system structured around a network of doctors, clinics and hospitals. It is a type of policy where beneficiaries may be required to visit specific doctors and hospitals that are part of the network in order to receive full benefits. This is a type of managed health care similar to an HMO (Health Maintenance Organization). Certain emergency situations may be excluded from this restriction, however. Medicare SELECT is not available in all states. Medicare SELECT can be any Medigap Plan A through L.
Source: medicareweb.com

What is Medicare SELECT? – Go Health Insurance

Medicare SELECT plans offer more affordable supplement coverage. How? SELECT plans negotiate with a provider network of doctors, hospitals, and specialists so they charge less for their medical services. These lower rates keep costs down for the SELECT plan provider, and plan members get lower premiums.
Source: gohealthinsurance.com

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 SELECT Insurance Policy Benefits

* Plan N requires up to a $20 copayment for an office visit and up to a $50 copayment for an emergency room visit ** There is also a high-deductible Plan F *** Your Medicare SELECT plan pays the Medicare Part A inpatient deductible when you use a network hospital (or if you use a non-network hospital for emergency care). Otherwise, you pay the inpatient deductible.
Source: mutualofomaha.com

Medicare.gov Nursing Home Compare

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Source: medicare.gov

Compare Medicare Plans to find the coverage you need at a cost you can afford

Your information is protected by our Privacy Policy. By entering your name and information above and clicking this button, you are consenting to receive calls or emails regarding your Medicare Advantage and Prescription Drug Plan options (at any phone number or email address you provide) from an eHealth representative or a licensed insurance agent, and you agree such calls may use an automatic telephone dialing system or an artificial or prerecorded voice to deliver messages. This agreement is not a condition of purchase.
Source: medicare.com

Comparing Medicare Supplement Plans

If you need help finding a Medigap or other Medicare plan that fits your needs, I’m here to help. Take a look at my profile below to learn about my Medicare experience. To schedule a time to speak one-on-one or have me email you more information, use the links below. If you’re ready to find plans now, you can use the Compare Plans buttons on this page to browse plans now. To speak with someone more quickly, call us using the information below.
Source: medicare.com