Medicare Supplemental Insurance & Medigap

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Learn how a Mutual of Omaha Medicare supplement insurance plan can reduce your out-of-pocket health care costs. Review Medicare supplement insurance basics, determine which Medicare supplement insurance policy is best for you, or get a Medicare supplement insurance quote.
Source: mutualofomaha.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

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

Medicare Supplement Insurance

The Part A hospital deductible – you’re responsible for paying a deductible if you are admitted into the hospital. In 2014 this deductible is $1184. Many people think that this is a one time or a annual deductible and it is not. This deductible is based on benefit periods of 60 days. This means if you are admitted to the hospital and then released and you stay out of the hospital for 60 days or more, that is considered one benefit period. If you are admitted again after that 60 day period you must pay this deductible again.
Source: medisupps.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 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

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

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 Insurance

To help consumers understand and compare Medicare Supplement insurance plans (Medigap plans), the 10 available policies were standardized by the National Association of Insurance Commissioners (NAIC). These standards can be found in NAIC’s Medicare Supplement Insurance Minimum Standards Model Act. The 10 Medigap plans have letter designations ranging from A to N, each with a set of basic and extra benefits. The combination of benefits in each plan may not be altered by insurers, nor may the letter designations be changed. Three states – Massachusetts, Minnesota, and Wisconsin are referred to as waiver states because they are permitted by statute to have different standardized Medigap plans.
Source: medicare-solutions.org

Medicare Plans for Different Needs

Learn about UnitedHealthcare Medicare Advantage plans, Medicare prescription drug plans and Medicare Special Needs plans that might be a good fit for you. Or learn about Medicare-related plans, like Medicare Supplement Insurance plans*.  
Source: uhcmedicaresolutions.com

Seniors Choice Medicare Solutions

is an insurance agency dedicated to providing agencies, agents, and clients high quality service, non-biased product recommendations, and access to every Senior Insurance product available. Our commitment is to do everything possible to exceed your expectations. We are educators with a passion to serve!
Source: onlymedicaresolutions.com

Coventry Medicare: Advantra (HMO

Whether you are an employer, health care provider, interested in enrolling, or already a 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

Compare Medicare Supplement Plans

People come to us confused about which insurance company they should pick for their Medicare supplement. Perhaps you may be confused too. We have helped many seniors compare Medicare supplement plans to choose the right company for their needs… …but there is something you must consider before you compare Medicare supplement plans. You need to thoroughly […] Read More
Source: clearmedicaresolutions.com

Medicare Advantage Plans in Michigan

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Medicare Advantage plans are a lot like the health insurance you may have had before becoming eligible for Medicare. You can choose a complete insurance package with the convenience of one ID card for all services.
Source: bcbsm.com

Medicare Plus Blue PPO Signature (PPO) 2015

Inpatient visit: Our plan covers up to 190 days in a lifetime for inpatient mental health care in a psychiatric hospital. The inpatient hospital care limit does not apply to inpatient mental services provided in a general hospital. Our plan covers 90 days for an inpatient hospital stay. Our plan also covers 60 “lifetime reserve days.” These are “extra” days that we cover. If your hospital stay is longer than 90 days, you can use these extra days. But once you have used up these extra 60 days, your inpatient hospital coverage will be limited to 90 days.
Source: healthpocket.com

Blue Cross Blue Shield Of Michigan And Blue Care Network Expand Medicare Advantage Offerings For Michigan Seniors

Blue Cross continues to rank high among Medicare plans, receiving a four-out-of five star rating for its Medicare Plus Blue PPO, and a four-and-a-half star rating on its BCN Advantage HMO plan from the Centers for Medicare & Medicaid Services (CMS). CMS rates how well Medicare Advantage plans perform on 48 different elements under five broad medical categories (for example, detecting and preventing illness, rating from patients, patient safety and customer service) and four broad drug categories (for example, patient safety and efficacy, member’s experience and customer service). Plan performance Star Ratings are assessed each year and may change from one year to the next.
Source: bcbs.com

Medicare Plus Blue PPO Assure (PPO)

“Some physicians providers and suppliers that are out of a plan’s network (i.e. out-of-network) accept “”assignment”” from Medicare and will only charge up to a Medicare-approved amount. If you choose to see an out-of-network physician who does NOT accept Medicare “”assignment “” your coinsurance can be based on the Medicare-approved amount plus an additional amount up to a higher Medicare “”limiting charge.”” If you are a member of a plan that charges a copay for out-of-network physician services the higher Medicare “”limiting charge”” does not apply. See the publications Medicare You or Your Medicare Benefits available on www.medicare.gov for a full listing of benefits under Original Medicare as well as for explanations of the rules related to “”assignment”” and “”limiting charges”” that apply by benefit type. To find out if physicians and DME suppliers accept assignment or participate in Medicare visit www.medicare.gov/physician or www.medicare.gov/supplier. You can also call 1-800-MEDICARE or ask your physician provider or supplier if they accept assignment.”
Source: medhpc.com

Compare Medicare Supplement Insurance Plans & Medigap Plans and Rates for 2011. See Plan Chart for AL, AR, AZ, CO, FL, GA, IA, ID, KS, KY, LA, MD, MI, MO, MN, MS, NC, NE, NM, OH, OK, SC, TN, TX, VA & WV. Medigap Insurance Plans including the Popular Plan F & G

Posted by:  :  Category: Medicare

Year after year we have found Medicare Supplement Plan F or Medicare Supplement Plan G to be the best value for the dollar. The new Plan N is a great alternative to a Medicare Advantage plan.  Plan N might be recommended depending on which state you live in and how much the supplement cost in relation to available Medicare Advantage plans. A plan N will provide more coverage and a very reasonable premium. In Florida we have the lowest rate for plan F & plan N. See the Medicare Supplement Plan chart below. In general, the higher you go up in the plan chart the more Gaps the plan fills. Medicare Supplement Plan F is the most comprehensive supplement plan and there is not a better plan than F. Most people will select a Plan F. However, depending on your personal situation there may be a more cost efficient choice.
Source: themedicarechannel.com

FICA & Medicare Withholding Rates

IRS Section 125 plans, such as a medical and dental that meets the agency’s Section 125 criteria, are not subject to FICA and Medicare taxes. If an employee has such a plan, the employer subtracts the nontaxable benefit from the employee’s gross pay before subtracting FICA and Medicare taxes. The amount after subtracting the benefit is also called the employee’s taxable wages. The employer includes the employee’s FICA and Medicare tax withholding for the year on her W-2 form. The employer files the form with the Social Security Administration and gives the employee a copy to file her tax return with the IRS.
Source: chron.com

Enrolling in Medicare Part D

Posted by:  :  Category: Medicare

You may choose to hold off on Medicare Part D enrollment if you already have creditable prescription drug coverage, such as through an employer group plan. Creditable prescription drug coverage is coverage that is at least as good as standard Medicare prescription drug coverage. If you do not have creditable drug coverage for more than 63 consecutive days, you may have to pay a penalty if you decide to get Medicare prescription drug coverage at a later date. You may have to pay this penalty for as long as you have Medicare Part D.
Source: ehealthmedicare.com

Enrolling in Medicare Part B at 65 With FEHB Coverage

The information provided may not cover all aspect of unique or special circumstances, federal regulations, and financial information is subject to change. To ensure the accuracy of this information, contact your benefits coordinator and ask them to review your official personnel file and circumstances concerning this issue. Retirees can contact the OPM retirement center. Our article is not intended nor should it be considered investment advice and our articles and replies are time sensitive. Over time, various dynamic economic factors relied upon as a basis for this article may change. The advice and strategies contained herein may not be suitable for your situation and this service is not affiliated with OPM or any federal entity. You should consult with a financial or human resource professional where appropriate. Neither the publisher or author shall be liable for any loss or any other commercial damages, including but not limited to special, incidental, consequential, or other damages.
Source: fedretire.net

What you need to know first about enrolling in Medicare

birthday, you should apply for Medicare benefits. At that time, you’ll be asked to elect if you also want Medicare Part B that helps pay for doctors’ services and many other medical services and supplies that hospital insurance doesn’t cover. If you don’t sign up at age 65, and you then decide to enroll later, you may pay a lifetime late enrollment penalty and you may have a gap in medical insurance coverage. There are exceptions, but play it safe, and ask your Medicare or Social Security representative about your personal situation.
Source: medicare.gov

Medicare Supplement Enrollment Dates & Periods

The best time for Medicare Supplement enrollment is during the Open Enrollment Period (OEP), which is six months long, beginning on first day of the month in which you turn age 65. Throughout the OEP, you have a guaranteed issue right to purchase a Medicare Supplement policy. This means the insurance company may not review of your medical history and the potential risk level it may or may not represent. Once the OEP passes, Medicare Supplement enrollment is subject to this review process (called medical underwriting). Outside of OEP, it is possible to be denied coverage or incur higher plan costs because of health issues.
Source: ehealthinsurance.com

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

Posted by:  :  Category: 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 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

Drug Finder: Find which 2016 Medicare Part D plans best covers your drugs

- Copay / Coinsurance – 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. The drug Tier is shown to the left of this column. 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. There are two figures shown under this “Cost Sharing” category:
Source: q1medicare.com

How to Use Medicare’s Plan Finder Tool

A summary page will appear listing the number of stand-alone Part D prescription-drug plans available in your area, the number of Medicare Health Plans with drug coverage; and the number of Medicare Health Plans without drug coverage. You’ll be given several options in the left column to refine your search — such as capping the amount of your monthly premium or limiting your annual drug deductible, but in most cases, it’s better not to refine your search at this point. Sometimes, for example, plans with lower premiums may charge higher co-payments for the drugs you take. It’s best to see the full list and then narrow your search when you can compare overall costs. Click on “prescription drug plans” to see the Part D plans (rather than “Medicare health plans,” which shows Medicare Advantage plans), then click “continue to plan results,” where you’ll see a list of the prescription drug options available in your area.
Source: kiplinger.com

Need help finding the 2016 Medicare Part D PDP Plan that best meets your needs?

AK  AL  AR  AS  AZ  CA  CO  CT  DC  DE  FL  GA  GU  HI  IA  ID  IL  IN  IS  KS  KY  LA  MA  MD  ME  MI  MN  MO  MS  MT  NC  ND  NE  NH  NJ  NM  NV  NY  OH  OK  OR  PA  PR  RI  SC  SD  TN  TX  UT  VA  VI  VT  WA  WI  WV  WY
Source: q1medicare.com

General Medicare Contact Information

Posted by:  :  Category: Medicare

If you have questions about Medicare eligibility, Social Security retirement benefits, or eligibility for financial help with prescription drug coverage, contact the Social Security Administration at 1-800-772-1213 or TTY: 1-800-325-0778 (7 a.m. to 7 p.m., Monday – Friday).
Source: aetnamedicare.com

Medicare Plans for Different Needs

Learn about UnitedHealthcare Medicare Advantage plans, Medicare prescription drug plans and Medicare Special Needs plans that might be a good fit for you. Or learn about Medicare-related plans, like Medicare Supplement Insurance plans*.  
Source: uhcmedicaresolutions.com

Population Health Management In Medicare Advantage

Posted by:  :  Category: Medicare

Wellnesss promotion.  A key component of PHM is the ability to promote health and wellness among all individuals, and MAOs reported extensive activities directly for members, including smoking cessation, wellness discounts, and the promotion of healthy lifestyles (exercise and nutrition).  In addition to promoting wellness, PHM requires monitoring of population risk and designing and implementing programs that manage sub-populations based on their risk.  Health risk assessments used universally by MAOs serve to segment populations at risk for disease.  For patients identified as being at risk for chronic conditions, common interventions include targeted health education or outreach to engage members in activities intended to reduce risk factors, enrollment in care management programs, and working with nurses in health education.
Source: healthaffairs.org

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 HMO & PPO Plans

This information is available for free in other languages. Please call our customer service number at 1-888-247-1028 (TTY: 711), Monday through Sunday, 8 a.m. to 8 p.m. Esta información está disponible en otros idiomas de manera gratuita. Comuníquese con Servicios al Cliente al 1-800-282-5366 (TTY: 711). Horario de atención: de 8 a.m. a 8 p.m., los siete días de la semana.
Source: aetnamedicare.com

Get Medicare Advantage Plan Quotes

Initial Coverage Election Period: You can enroll in Medicare Advantage or Medicare Advantage with prescription drug coverage when you first become eligible for Medicare. Your Initial Coverage Election Period (ICEP), is a seven-month period that starts 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65. If you are under age 65 and you receive Social Security disability, you qualify for Medicare in the 25th month after you begin receiving your Social Security benefits. If you fall into this category, you may enroll in a Medicare Advantage plan 3 months before your month of eligibility, during the month of eligibility, and 3 months after the month of eligibility. For example, if your Medicare Part A and Part B coverage begins in May, your Medicare Advantage IEP is February through August. See Medicare Advantage Plans
Source: ehealthmedicare.com

Medicare Advantage Health Plans: Options and Coverage

Medicare Advantage plans are private insurance health plans, regulated by the government. Medicare Advantage is also known as “MA” or Medicare Part C. All individuals enrolled in Original Medicare, Part A and Part B, are eligible to enroll in a Medicare Advantage plan, with the exception of those diagnosed with End Stage Renal Disease (ESRD), there are exceptions.
Source: planprescriber.com

Medicare Billing: Wheelchairs, Scooters, Lift Chairs

Posted by:  :  Category: Medicare

We understand that the process of submitting claims to Medicare can be difficult and time consuming. To help make the process easier, SpinLife offers what is known as “courtesy billing”. This means that after you purchase an eligible product from SpinLife and request at checkout that we courtesy bill Medicare, we send you all of the documentation required by Medicare for you to complete with your physician. Once medically qualifying documentation is submitted into SpinLife, we can submit a claim to Medicare on your behalf. If your claim is approved by Medicare, they will reimburse you directly for their portion of your claim via mail.
Source: spinlife.com

Medicare Billing for Well Woman Exam

1. Cervical High Risk Factors a. Early onset of sexual activity (under 16 years of age) b. Multiple sexual partners (five or more in a lifetime) c. History of a sexually transmitted disease (including HIV infection) d. Fewer than three negative pap smears within the previous 7 years 2. Vaginal Cancer High Risk Factors: DES (diethylstilbestrol) exposed daughters of women who took DES during pregnancy 3. Personal History of Health Hazards: If a patient has a specified personal history presenting hazards to health then apply the V15.89 diagnosis and the appropriate health history hazard (example: V10.3 History of Breast Malignancy).  Any V15.89 diagnosis is considered high risk and makes the patient eligible for the yearly G0101 and Q0091.
Source: capturebilling.com

Medicare, Medicaid and Medical Billing

When a Part A claim is processed by Medicare, Medicare pays the provider directly for the service rendered by the provider. On the other hand, in a Part B claim, who pays depends on who has accepted the assignment of the claim. If the provider accepts the assignment of the claim, Medicare pays the provider 80% of the cost of the procedure, and the remaining 20% of the cost is passed on to the patient. You should recognized that 80-20 breakdown: it’s a classic example of coinsurance.
Source: medicalbillingandcoding.org

Electronic Billing & EDI Transactions

The information in this section is intended for the use of health care providers, clearinghouses and billing services that submit transactions to or receive transactions from Medicare fee-for-service contractors. EDI is the automated transfer of data in a specific format following specific data content rules between a health care provider and Medicare, or between Medicare and another health care plan. In some cases, that transfer may take place with the assistance of a clearinghouse or billing service that represents a provider of health care or another payer. EDI transactions are transferred via computer either to or from Medicare. Through use of EDI, both Medicare and health care providers can process transactions faster and at a lower cost. Please see pages on specific types of EDI conducted by Medicare for related links and downloads as applicable.
Source: cms.gov

Medicare Unmasked: Behind the Numbers

This project uses data made public by the Centers for Medicare and Medicaid Services. It shows the dollar amounts that doctors and other medical providers received in Medicare reimbursements in 2012 and 2013, along with other data including their specialties. Only procedures which providers performed on more than 10 Medicare patients were included in the data released. There is some information CMS hasn’t provided. In some cases, procedures attributed to a specific physician may have been performed by other people under that doctor’s supervision. The data doesn’t include information on patients nor does it show doctors’ billings related to durable medical equipment.
Source: wsj.com

Medicare premium increases, Part B premiums in 2014

Posted by:  :  Category: Medicare

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

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

Annual Statistical Supplement, 2011

d. Standard premium rate for voluntary enrollment by certain aged and disabled individuals not otherwise entitled to Hospital Insurance (HI). (Most individuals aged 65 and older and many disabled individuals under age 65 are insured for HI benefits without payment of any premium.) Beginning in 1994, a reduced premium is available to premium-paying HI enrollees with at least 30 quarters of Medicare-covered employment (either their own or through a current or former spouse if the marriage meets certain duration criteria). In most cases, a surcharge applies for beneficiaries who enroll after their initial enrollment period.
Source: ssa.gov

Means Testing Medicare Premiums

While the current standard Medicare Part B premium of $104.90 per month covers 25% of the cost of Part B services, there are four levels of IRMAA surcharges above that starting with incomes above $85K for a single person and $170K for a couple. The 4th (top) tier applies to single beneficiaries with a modified adjusted gross income (MAGI) above $214,000 and couples with MAGI above $428,000. The standard premium plus the surcharge for the 4th level totals 80% of the actuarial value of Part B services. The maximum amount was deliberately capped at 80% to ensure that even the wealthiest beneficiaries would receive at least some benefit for all the Medicare taxes they paid over their working lives.
Source: ncpa.org