Health Insurance Quotes & Plans

Posted by:  :  Category: Medicare

If you’d like to speak with us about your insurance coverage options, we have more than 10,000 licensed insurance benefits advisors across the nation. It’s our job to ensure you find the right plan for your needs.
Source: gohealthinsurance.com

Retirement Plans & Insurance

This calculator is made available as a self help resource for your planning convenience. The results from the calculator are based on your inputs and are not intended to be a financial plan or investment advice from the Principal Financial Group® but may be used as general guidelines to help you make retirement planning or other personal financial decisions. Responsibility for these decisions is assumed by you, not the Principal Financial Group. Individual results will vary. You should regularly review your savings progress and post-retirement needs.
Source: principal.com

Medicare: What Are Medigap Plans?

Posted by:  :  Category: Medicare

If you are going to buy a Medigap plan, the open enrollment period is six months from the first day of the month of your 65th birthday — as long as you are also signed up for Medicare Part B — or within six months of signing up for Medicare Part B. During this time, you can buy any Medigap policy at the same price a person in good health pays. If you try to buy a Medigap policy outside this window, there is no guarantee that you’ll be able to get coverage. If you do get covered, your rates might be higher.
Source: webmd.com

Consumer Guide to Health Care

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

Medicare vs Medicare Advantage

Medicare members pay standard rates for services, regardless of where they live. While Medicare Part A (hospital insurance) is usually covered for free by the government, Part B (outpatient medical coverage) costs $104.90 per month — or more if the individual’s annual income is greater than $82,000. Benefits kick in after a deductible of $140 per year. In addition to the premium and deductible, there is coinsurance of 20%, i.e., members must pay 20% of medical costs for all services covered by Parts A and B, such as extended hospital stays. Home health care services and hospice care are covered for free. Part D, which covers prescription costs and is bought through a private insurer, varies in cost from plan to plan, but according to the federal government, the average cost in 2014 is just under $33 per month.
Source: diffen.com

How Original Medicare, Medicare Advantage differ

Before we get into how Medicare Advantage is different from from Original Medicare, let’s look at how it’s the same. All Medicare Advantage plans have to offer at least the same benefits as Medicare Parts A and B. That means if Original Medicare covers hospital care at a certain level, so will every Medicare Advantage plan on the market.
Source: bcbsm.com

How do Medicare Advantage Plans Work

When people enroll in a Medicare Advantage plan, this will notify the Social Security Administration that they are choosing a Medicare Advantage Plan instead of Original Medicare. Once they have joined the Medicare Advantage Plan, nearly all health services are handled by this private plan. The Medicare Advantage Plan pays its portion of the bills for doctors and hospitals. Depending on the type of health care service they receive, Medicare Advantage enrollees may or may not pay copayments, coinsurance or deductibles. The amount paid can vary from one plan to another.
Source: anthem.com

7 Tips To Help You Pick The Best Medicare Advantage Plan 

2-If you have developed a serious illness or chronic condition, it may be better to quit your Medicare Advantage plan and return to original Medicare. Under original Medicare, you have coverage for any doctor or hospital participating in the Medicare program. This means you can see any primary care doctor, any specialist, and receive treatment at any medical center specializing in your ailment or condition. You will pay more under original Medicare, for Part B doctor coverage, Part D drug coverage, and Medi-gap supplemental coverage for your co-payments and deductible charges, than you have been paying for the Medicare Advantage plan. But you now have access to a bigger array of doctors and hospitals, an important tool in dealing with your new and challenging medical condition.
Source: huffingtonpost.com

Welcome to Your Texas Benefits

Posted by:  :  Category: Medicare

You can fill out this screening form to find out which benefits and support services you might be able to get. At the end of the form, you can decide if you want to log in and: (1) apply for benefits, and (2) send your form to support programs and ask them to contact you about their services.
Source: yourtexasbenefits.com

How to Qualify For Medicaid and CHIP Health Care Coverage

Fill out an application through the Health Insurance Marketplace. If it looks like anyone in your household qualifies for Medicaid or CHIP, we’ll send your information to your state agency. They’ll contact you about enrollment. When you submit your Marketplace application, you’ll also find out if you qualify for an individual insurance plan with savings based on your income instead. Plans may be more affordable than you think.
Source: healthcare.gov

How to Write Off Health Insurance Premiums

Posted by:  :  Category: Medicare

Unreimbursed health insurance premiums are included as a qualifying medical expense, according to the Internal Revenue Service. Qualifying medical expenses can be written off if you choose to itemize your deductions. Itemizing requires you to forego the standard deduction, so you should only claim the health insurance premiums if your total itemized deductions are worth more than the standard deduction. In order to itemize, you will need to complete Schedule A along with your Form 1040.
Source: ehow.com

Can I Use My HSA Money to Pay for My Health Insurance Premiums?

A health savings account, or HSA, lets you put aside money for medical expenses while taking a tax deduction for the contributions you make to the account. While you can use HSA money to pay for a variety of medical and dental services and procedures, you generally can’t use it to pay premiums for health insurance. There are some exceptions, however.
Source: ehow.com

How Health Insurance Marketplace Plans Set Your Premiums

Plan category: There are five plan categories – Bronze, Silver, Gold, Platinum, and catastrophic. The categories are based on how you and the plan share costs. Bronze plans usually have lower monthly premiums and higher out-of-pocket costs when you get care. Platinum plans usually have the highest premiums and lowest out-of-pocket costs.
Source: healthcare.gov

Hearing Health Care Law Insurance Premiums

Legal and insurance experts testified at a hearing on the impact of the Affordable Care Act (ACA) on health insurance premiums. Republican committee members argued that the ACA Republicans say ACA was causing rates to rise while Democrats said that rates were rising at a slower rate than they were prior to the law. 
Source: c-span.org

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 Supplemental Insurance Quotes for People in Florida

There are ten different Medigap plans. Each of the plans will cover a different number and variety of the nine coverage gaps in Part A and Part B. Plan F will cover all the gaps. Plan A and plan B will only cover four and five of the gaps respectively. The more coverage you receive from one of the plans the greater the monthly premium. The plans are standardized so whether you get a Tampa , a Miami , or an Orlando Medicare supplement the coverage will be exactly the same. This even applies across different companies. So AARP offers the exact same coverage from plan G that Mutual of Omaha does. You have to decide how much you are willing to spend per month versus how much coverage you want in order to pick the right supplemental insurance for your needs. The only way to do this is with a set of Florida Medigap quotes.
Source: floridamedicaresupplementquotes.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

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

Get Medicare Part D Quotes in Seconds

As could be expected, prices for Humana policies rocketed for the 2015 calendar year. Mean premiums for Humana Part D jumped from $21.80 to $38.70. Medicare Part D is priced at $41.55 and Part D Medicare comes in at the slightly lower price of $38.80. Humana’s standalone market share coverage has dropped to 18.6% whereas their Medicare Part D policies have increased to a market share of 12.8%.
Source: medicareaide.com

Fix The Flawed Medicare Doc Fix

Posted by:  :  Category: Medicare

MACRA significantly increases federal control of the practice of medicine, in line with the ambitions of Obamacare.  Doctors will face increasing requirements to comply with federal regulation in order to get paid.  These will likely include greater reliance on government-certified Electronic Health Records, which have already proven to frustrate doctors and do nothing to benefit patient care, despite an investment of $30 billion taxpayer dollars.
Source: ncpa.org

How Much (More) Will Seniors Pay for a Doc Fix?

To derive these estimates, we divided $175 billion (CBO’s cost estimate of 10-year outlays for H.R.4015/S.2000) by 75 percent (Medicare’s share of Part B spending) to calculate total new Medicare spending for the alternative physician payment system—$233 billion. Under current law, beneficiary premiums would cover 25 percent of total costs, or $58 billion over ten years. In 2015, as in prior years, Part B premiums have taken into account increases in Part B spending due to the SGR overrides. Therefore, in 2016 and future years, the actual increase in the monthly Part B premium is likely to be incremental relative to 2015 levels (but not relative to current law which would result in an actual reduction in Part B premiums – and potentially serious physician access problems).  For example, according to the most recent Medicare Trustees report, the standard 2016 monthly Part B premiums are estimated to increase by $1.60,which assumes a fee-schedule update of 0.6 percent from 2015 (comparable to the 0.5 percent update in H.R. 4015/S.2000).
Source: kff.org

Congress Passes “Doc Fix” – Senate Unable to Improve the Bill for Medicare Beneficiaries 

Whenever a temporary “Doc Fix” has been negotiated in the past, beneficiary advocates have largely focused on a number of critical “extenders” – extensions of other temporary Medicare fixes – that have traditionally been part of a larger SGR bill.  These extenders include future funding for the Qualified Individual (QI) program that pays Part B premiums for certain low-income individuals, an exceptions process to Medicare’s annual caps on coverage of outpatient therapy services, and funding for outreach and education surrounding low-income programs. Unfortunately, while H.R. 2 “permanently” fixes the SGR formula, it only makes certain of the extenders permanent, and temporarily extends the rest.  Absent the larger legislative SGR vehicle, further extension of these programs is less likely.
Source: medicareadvocacy.org

Good Riddance To One Of Congress’ Dumbest Rituals: The ‘Doc Fix’

This year, Boehner and Pelosi decided to rip off the Band-Aid, and the Senate went along with it despite some squawking by deficit scolds. The House leaders pieced together a package that’s not really paid for and adds to the deficit, and told their respective caucuses to take it or leave it. And it worked! Some Senate Democrats complained a bit because they didn’t get to put their fingerprints on it, and some Senate Republicans protested about the legislation’s effect on the budget. But once Obama enthusiastically endorsed the Boehner-Pelosi deal, they began to quiet down. The House passed the measure 392-37 last month, and the Senate approved it 92-8 Tuesday evening.
Source: huffingtonpost.com

Senate overwhelmingly approves ‘doc fix’

The bill will cost $214 billion over 10 years, with $73 billion of that cost offset with spending cuts or new revenue, according to the Congressional Budget Office (CBO). The bill includes reforms to transition Medicare’s payment system from incentivizing quantity to quality in care and is likely to produce small savings for the government over time, according to the CBO.
Source: thehill.com

Obama signs $200 billion ‘doc fix’ bill

In a rare outdoor signing ceremony in the Rose Garden, Obama congratulated Speaker John Boehner (R-Ohio) and House Minority Leader Nancy Pelosi (D-Calif.) who brokered the deal. “Not only does this legislation permanently fix payments to doctors but it also improves it,” he told reporters. “It encourages us to continue to make the healthcare system smarter, without denying service.” The bill was an uncommon example of bipartisan cooperation. The measure passed the House with an overwhelming majority and on Tuesday, it cleared the Senate with just eight “no” votes. “This was a bipartisan effort, Republicans and Democrats coming together to do something that’s smart and common-sense, and my hope is it becomes a habit,” the president said. Obama said he would congratulate lawmakers for passing the doc fix at a White House ceremony in the next two weeks. 
Source: thehill.com

Healthcare business news, research, data and events from Modern Healthcare

Posted by:  :  Category: Medicare

The socio-economic status of patients may explain some of the variation in hospital 30-day readmission rates. But it’s the quality of the facilities where patients go when they are discharged that could play a key role, according to a study published Tuesday in the journal Health Affairs.
Source: modernhealthcare.com

Learn What to do If you Already Have Medicare Health Coverage

Yes. Coverage from an employer through the SHOP Marketplace is treated the same as coverage from any job-based health plan. If you’re getting health coverage from an employer through the SHOP Marketplace based on your or your spouse’s current job, Medicare Secondary Payer rules apply.
Source: healthcare.gov

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 Advantage Health Plans: Options and Coverage

Posted by:  :  Category: Medicare

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

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

Symptom Checker from WebMD. Check Your Medical Symptoms.

Posted by:  :  Category: Medicare

This tool does not provide medical advice It is intended for informational purposes only. It is not a substitute for professional medical advice, diagnosis or treatment. Never ignore professional medical advice in seeking treatment because of something you have read on the WebMD Site. If you think you may have a medical emergency, immediately call your doctor or dial 911.
Source: webmd.com

Health Information and Medical Information

If you subscribe to any of our print newsletters and have never activated your online account, please activate your account below for online access. By activating your account, you will create a login and password. You only need to activate your account once.
Source: harvard.edu

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

How to Become a Medicare Certified Home Health Agency

Home health care agencies employ nurses, certified nursing assistants (CNAs) and home health aides, who take care of the elderly in their homes. If you are compassionate, hardworking and have business sense, opening a home health care agency will not be difficult. Before you open your agency, make sure you obtain Medicare certification. Not only will this give you clients peace of mind, but allow you to bill Medicare for your services.
Source: ehow.com