Medicare Supplement Plans (Medigap Plans) and other Medicare / Health Insurance Plans

Posted by:  :  Category: Medicare

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

Coventry Medicare: Advantra (HMO/PPO)

Whether you are an employer, health care provider, someone interested in enrolling, or already a current member, our goal is to provide you with valuable and convenient online resources and information. Come explore the ways in which we can help you take charge of your Medicare Advantage coverage.
Source: coventryhealthcare.com

Medicare Part C Appeals > Home

ATTENTION MEDICARE HEALTH PLANS: Updated Medicare Advantage Process Manual, PACE Process Manual, Appendix, Reconsideration Background Data Form, and Dismissal Case File Data Form are now available under the ‘Health Plans’ section.
Source: medicareappeals.com

Find a 2015 PA Medicare Part D Plan

- Cost Sharing – These figures apply to the initial coverage phase of your plan. This is the phase after the initial deductible has been met and before you reach the Coverage Gap (Donut Hole). Plans often cover drugs in “tiers”. Tiers are specific to the list of drugs covered by the plan. Plans may have several tiers, and the copay for a drug depends on which tier the drug is in. Plans can form their own tiers, so you should contact the plan or reference it’s summary of benefits to find out what copays and limitations are associated with each tier. These cost sharing figures DO NOT necessarily apply to the Coverage Gap. The plan may have a separate copay/coinsurance for the same drug while in the Coverage Gap. (Search Tip: If you would like to reduce the plans shown to just plans that have a tier 1 (Generics) co-pay of up to a certain value (ex: $0 co-pay), enter the value (ex: 0) in the “Max. Co-pay Tier 1 (Generics)” field.)
Source: q1medicare.com

Protect Medicare Access Project

In early June, a Commonwealth Court judge ruled that UPMC’s decision to kick seniors enrolled in Highmark Medicare Advantage plans out-of-network January 1, 2016 was a violation of the consent decree. He ordered both UPMC and Highmark to make no changes in their business relations, “no matter how small,” without court approval.
Source: pahealthaccess.org

How to Sign Up for Medicare Online

Posted by:  :  Category: Medicare

Medicare is a federal program that provides health insurance coverage to people over age 65, as well as some people with permanent disabilities and end-stage renal disease. You can apply for Medicare online to avoid the hassle of the local Social Security office. The online Medicare application does not require you to print or manually sign any documents. You will receive your cards in the mail once the SSA processes your application.
Source: ehow.com

How to Sign Up for Medicare at Age 65

Enroll in the programs you have selected. If you are signing up for traditional Medicare, you can enroll by going to your local Social Security office or by writing to Social Security. If you are signing up for a Part D prescription drug plan, a Medicare supplement or a Medicare Advantage plan, you can enroll by calling the plan directly. Some plans can enroll you over the phone, or they may mail you a paper application.
Source: ehow.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

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

Part D Formulary Is Key To Choosing The Right Plan

My dad had to move from Ky to GA so my sister and I could take care of him. Humana (his Part D) just terminted him for the month of Dec because he moved out of his service area. They mailed us a letter on 11/25/10(Thanksgiving) and it stated as of 11/30/10 he would no longer have Part D coverage. I spent almost all day last Friday talking to Humana and got no where. They did deduct his payment from his SS??? Any suggestions? Is there a plan that would cover him in GA and KY should he decide to move back and stay with my other sister???
Source: affordablemedicareplan.com

Medicare Plan Finder for Health, Prescription Drug and Medigap plans

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 Form, Medicare Forms

Aetna Medicare Basic Plan (HMO) will not be renewing its Medicare contract effective January 1, 2012. You may choose to enroll in our plan, but your coverage will automatically end on December 31, 2011 in Atlantic, Burlington, Camden, Cumberland, Gloucester, and Salem counties in New Jersey. Because this plan ends on December 31, 2011, if you decide to join, you are entitled to enroll in a new MA plan or PDP beginning December 8, 2011 through February 29, 2012. However, if you want your enrollment in the new plan to take effect on January 1, 2012, the new plan must receive your application by December 31st. You may also have the option of enrolling in a Medicare Cost Plan, if one is offered in your area. If you do not enroll in another MA plan, Medicare Cost Plan or PDP plan by December 31, 2011, you will be disenrolled from our plan and enrolled in Original Medicare on this date. You will receive additional information in the fall about your rights and additional options.
Source: aetnamedicare.com

Medicare Information, Help, and Plan Enrollment

Posted by:  :  Category: Medicare

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

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

Obamacare’s Impact on Medicare Advantage

Build on the steady progress in risk adjustment. Risk adjustment is a tool used to address selection bias in Medicare Advantage and other private insurance programs. The goal is to mitigate an insurer’s ability to tailor plans to attract a disproportionate share of the most profitable enrollees—healthier enrollees that consume less medical services. Every major Medicare reform proposal, based on premium support, would provide risk adjustment or significantly improve the risk-adjustment formulas or mechanisms that currently exist in the MA or Medicare Part D program. Risk adjustment could either be prospective or retrospective. Prospective risk adjustment already characterizes Medicare Advantage and Medicare Part D, where government per capita payments are adjusted by demographic factors, such as age, sex, institutional or Medicaid status, and medical conditions. Retrospective risk adjustment—back-end adjustments—would be based on new pooling arrangements, such as a risk-transfer pool. In that arrangement, health plans that attracted higher-risk or more costly patients would be cross-subsidized by plans that attracted fewer high-risk or less costly patients. The value of these types of arrangements is that they would be based on hard data and not on educated guesswork or projections. The Wyden–Ryan plan, for example, includes such an approach. The Heritage proposal would include both prospective and retrospective risk adjustment. Applying the lessons from MA’s risk-adjustment experience could mitigate the risks that only the unhealthy would be stuck in Medicare fee-for-service plans, leaving the plans’ costs to escalate and grow further away from the premium support benchmark, and thus more expensive for enrollees. Over the past decade, as Alice Rivlin and others have noted, the risk-adjustment mechanism used in Medicare Advantage has significantly improved and succeeded in reducing favorable selection in the program. In the future, with the adoption of defined-contribution financing for the entire Medicare program, one can expect further refinements and innovative approaches to adjusting government per capita payments. One particularly interesting approach has been developed by Zhou Yang, professor of economics at Emory University. Professor Yang’s proposal, to be implemented within an environment of competitive health plans, would tie Medicare payments to positive behavioral changes: Enrollees would be rewarded for enrollment in wellness or preventive-care programs that promote a healthier (and thus less costly) lifestyle.[44]
Source: heritage.org

2016 Medicare Advantage Plan Comparison

The plan comparison tool featured on the next pages is provided by eHealthMedicare and is designed to help you compare selected stand-alone Medicare Part D prescription drug plans, Medicare Advantage plans with prescription drug coverage (also known as MAPDs), Medicare Advantage plans without prescription drug coverage (MAs), and some types of Medicare Supplements or Medigap plans. For a complete list of plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov. The Annual Open Enrollment Period (AEP) for stand-alone Medicare Prescription Drug Plans (PDPs) and Medicare Advantage plans (MAs & MAPDs) is October 15th through December 7th with the newly selected plan taking effect January 1st of the following year. Anyone eligible for Medicare Part A and/or Part B can enroll or switch Medicare Part D plans during the AEP. To enroll in a Medicare Advantage plan, you must be enrolled in both Medicare Part A and Part B. When enrolling in a Medicare Advantage plan, you must continue to pay your Medicare Part B premium. The Annual Medicare Advantage Dis-Enrollment Period (MADP) for Medicare Advantage plans is January 1st through February 14th — during which time Medicare Advantage plan members can switch back to Original Medicare and enroll in a stand-alone Medicare Part D drug plan. People who are new to Medicare have a seven (7) month period (called an Initial Enrollment Period) to enroll in a Medicare Part D or Medicare Advantage plan. This enrollment window begins 3 months before your month of eligibility, and includes your month of eligibility and three months thereafter. Example: If you turn 65 on July 13th. Your month of Medicare eligibility is July. Your Initial Enrollment Period (IEP) is April to October. If you were to enroll between April 1 and June 31, your plan would take effect on July 1. If you enroll between July 1 and October 31, your plan would take effect the first day of the month after you enroll. A Special Enrollment Period (SEP) may be granted to some people in certain situations allowing them the opportunity to enroll or switch plans outside of the Annual Open Enrollment Period (AEP). Click here for a list of SEPs.
Source: q1medicare.com

Medicare Plan Finder for Health, Prescription Drug and Medigap plans

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 2014 Spotlight: Plan Availability and Premiums

While many organizations offer Medicare Advantage plans, a few – particularly Humana, United Healthcare, and the Blue Cross and Blue Shield (BCBS) affiliates – have particularly large geographic spread and these organizations historically account for a disproportionate share of enrollment. In 2014, 44 percent of available plans are being offered by one of these three firms or affiliates (Table A4).  Plans offered by these firms are available to most beneficiaries.  Nationwide, 83 percent of Medicare beneficiaries will have access to one or more Humana plans, 73 percent will have access to a BCBS affiliated plan (including BCBS plans offered by Wellpoint), and 68 percent will have access to a United Healthcare plan (Exhibit 5; Table A5).  The general availability of these firms’ products has not noticeably changed from 2013 to 2014.  However, the similarities in BCBS offerings from 2013 to 2014 obscure a decline in availability of BCBS branded Wellpoint plans (declining from 88 plans to 55 plans between 2013 and 2014), which is mostly offset by the growth in plans offered by other BCBS affiliates (growing from 205 plans to 233 plans between 2013 and 2014).
Source: kff.org

Medicare Advantage Plans Medicare Supplement Plans Medigap Plans in California

Medicare Advantage plans are a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. Many of these plans offer prescription drug coverage and may include additional coverage, such as dental, hearing, and/or vision benefits. Since each plan can vary in cost and additional benefits covered, it’s important to choose the right one for your needs.
Source: turning65.com

Medicare Advantage 2014 Spotlight: Plan Availability and Premiums

Posted by:  :  Category: Medicare

While many organizations offer Medicare Advantage plans, a few – particularly Humana, United Healthcare, and the Blue Cross and Blue Shield (BCBS) affiliates – have particularly large geographic spread and these organizations historically account for a disproportionate share of enrollment. In 2014, 44 percent of available plans are being offered by one of these three firms or affiliates (Table A4).  Plans offered by these firms are available to most beneficiaries.  Nationwide, 83 percent of Medicare beneficiaries will have access to one or more Humana plans, 73 percent will have access to a BCBS affiliated plan (including BCBS plans offered by Wellpoint), and 68 percent will have access to a United Healthcare plan (Exhibit 5; Table A5).  The general availability of these firms’ products has not noticeably changed from 2013 to 2014.  However, the similarities in BCBS offerings from 2013 to 2014 obscure a decline in availability of BCBS branded Wellpoint plans (declining from 88 plans to 55 plans between 2013 and 2014), which is mostly offset by the growth in plans offered by other BCBS affiliates (growing from 205 plans to 233 plans between 2013 and 2014).
Source: kff.org

Medicare premium increases, Part B premiums in 2014

There is no question Medicare premiums are going up and up as are Medicare taxes. But to blame that on Obamacare is misdirected. Premiums are going up primarily because of the underlying use of health care services by a growing Medicare population and by the cost of each of those services.
Source: quinnscommentary.com

An Unexpected Spike for Medicare Premiums?

Unless the U.S. Department of Health and Human Services intervenes, some Medicare beneficiaries will face a steep increase in their 2016 premiums, even as the vast majority of Medicare recipients pay no increase at all.
Source: wsj.com

A Sickening Increase in Medicare Premiums

First, Medicare and Social Security use different methodologies to calculate their respective annual increases.  As explained above, Medicare looks forward, estimating what its cost will be in the coming year to determine Part “B” premiums.  In contrast, Social Security looks backward- the annual cost-of-living adjustment (COLA) retirees receive is based upon how much inflation we experienced in the past twelve months.
Source: foxbusiness.com

Medicare Supplement Plan G

Posted by:  :  Category: Medicare

The majority of Medicare Supplement plans do not cover Part B excess charges, which is why Plan G may be of interest for those with frequent medical needs. Excess charges are additional expenses incurred outside of the Medicare-approved charge. For example, if Medicare’s allowed charge for a doctor’s appointment is $100, the physician may choose not to accept that amount, electing instead to charge an additional 15% for the appointment. In this instance, Medicare would pay 80% of the allowed charge, sending the physician $80. The beneficiary would then be responsible for paying not only the remaining $20, but also the excess 15% charge, another $15, making the total out-of-pocket cost $35. Because Plan G covers the Part B excess charges, all of the out-of-pocket costs in this example are covered by this policy.
Source: ehealthinsurance.com

Medicare Supplement Plan G

* 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

How to compare Medigap policies

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

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

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

Florida Blue Medicare Advantage Plans for 2016

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

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 Advantage Plans In Florida

By offering multiple options, Florida Blue allows you to sign up for the one that is right for you. Then, you can ensure that you have the coverage that you need when you need it. Plus, you don’t have to worry about paying for additional services that you know you won’t use. For example, if you know that you don’t mind seeing in-network providers for your healthcare and do not mind getting referrals when you need to see a specialist, you can choose a more affordable HMO plan. This can help you keep more money in your pocket, which is especially important if you are in retirement and are living on a fixed income.
Source: medicareadvantageplansinflorida.org

Medicare Information, Help, and Plan Enrollment

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

Star Ratings Coming Soon to Compare Sites on Medicare.gov

Posted by:  :  Category: Medicare

Later this year and early in 2015, we’re adding a star rating system to the Hospital Compare, Dialysis Facility Compare, and Home Health Compare websites on Medicare.gov. The Compare sites are the official CMS source for information about the quality of health care providers, and the star rating system is just one of many ways we’re working to make quality information easier to understand and compare. These ratings are based on established scientific standards of rigor and accuracy. Our Nursing Home Compare site already uses star ratings to help consumers compare nursing homes and choose one based on quality. Physician Compare has just started to include star ratings in certain situations for physician group practices.
Source: cms.gov

Blue Medicare Advantage Enrollment

You can enroll through our secure and convenient Blue Cross Medicare Advantage online form beginning October 15, 2015. Medicare beneficiaries may also enroll in Blue Cross Medicare Advantage through the CMS Medicare Online Enrollment Center .
Source: bcbsil.com

Primer: The Medicare Advantage Star Rating System

In 2013, one analysis by Inovalon found that “contracts with a high percentage of SNP members performed worse [than plans without a high percentage of SNP members] 86 percent of the time”.[26] While SNP members are not necessarily low-income or dual eligible, SNP membership is limited to people who live in certain institutions (such as a nursing home or intermediate care facility) or require home health care, dual-eligibles, or people who have specific chronic or disabling conditions.[27] As low-income individuals are more likely to be dual-eligibles and to have multiple chronic conditions, SNP members are often low-income.[28]  Further, in a follow-up analysis in 2015, the same organization analyzed seven Star measures and found sociodemographic characteristics contributed to at least 30 percent of the performance gap between dual and non-dual eligible MA plan members.[29] Community resource characteristics, which are often linked to an area’s economic wellbeing, also accounted for a large share of the performance gap.[30] More specifically, another analysis found that while “results show continued improvement among Chronic-SNPs and Institutional-SNPs, that [improvement] has not been mirrored by D[ual]-SNP focused contracts”.[31] However, seven plans in which duals account for 85 percent or more of their enrollees achieved 4 or more stars, indicating that it is not impossible for such plans to achieve a bonus under the current system.[32]
Source: americanactionforum.org

How to Apply for Medicare With a Disability

Posted by:  :  Category: Medicare

You must qualify for and receive Social Security disability benefits before you can receive Medicare. If your disability does not qualify you for SSDI, it doesn’t qualify you for Medicare, either. You can apply for Social Security disability benefits online. It’s a good idea to go through the Social Security Administration’s checklist, which is also online, to make sure you have everything you will need to apply. If you are approved for Social Security disability benefits, your Medicare benefits will begin automatically when you are eligible for them. You won’t need to fill out a special application for them.
Source: ehow.com

Do I Need to Apply for Medicare?

You are already receiving Social Security benefits, or Railroad Retirement Board (RRB) benefits, and you turn 65. Your Medicare coverage starts the first day of the month you turn 65. If your birthday is the first day of the month, your coverage starts the month before. For example, if you turn 65 on November 27th, your coverage starts on November 1st. If your birthday is November 1st, your coverage starts on October 1st.
Source: ehealthmedicare.com