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

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Source: medicare.gov

Medicare Explained: Understanding the Basics from Part A to Part D

Health care is one of the toughest financial challenges you’ll face in retirement. For millions of retirees, Medicare coverage that takes effect for most people at age 65 is the key to being able to afford health care costs that would otherwise quickly sap their retirement savings. But over the years, Medicare has gotten increasingly complicated, and with the emergence of Obamacare, Americans are struggling to understand exactly how to get their health care covered. To help you get a handle on Medicare, let’s run through the different types of coverage the program provides. The Medicare Alphabet Since 1965, Medicare’s two original components have helped cover basic health needs. The first, known as Part A, focuses on the costs of health care at medical facilities, providing coverage for medically necessary care at hospitals while you’re receiving inpatient care. Under some circumstances, it also covers costs for home health services, hospice care, and skilled nursing facilities. However, nursing home costs are covered only for limited purposes and time periods. Medicare Part B covers the costs of health care outside medical facilities, such as doctors’ visits, outpatient procedures, and lab tests. It also helps cover the cost of services related to health care, such as wheelchairs and scooters, oxygen tanks, and ambulance services. In addition to providing coverage for health care needs that qualify as medically necessary, Part B also covers certain preventive-care services, such as screening for heart conditions, diabetes, and certain types of cancer. In addition to government-provided Parts A and B, Medicare Part C is optional private insurance that Humana (HUM), Aetna (AET), UnitedHealth (UNH), and others provide. Better known as Medicare Advantage Plans, Part C involves paying premiums to those insurers, which then provide coverage for charges that Parts A and B don’t pay for. Medicare Advantage Plans vary greatly both in cost and in scope of coverage, so you have to look closely at all your options to make sure they fit what you want from a plan. Finally, Medicare Part D provides prescription drug coverage. Like Medicare Advantage Plans, Part D plans are offered through private insurance companies, and the coverage that different policies offer can vary widely from insurer to insurer and from plan to plan. In fact, many Part C Medicare Advantage Plans include Part D options within a single package. How You Pay for Medicare Each part of Medicare has different charges associated with it. For Part A, those who’ve had Medicare taxes withheld from their pay for at least 40 calendar quarters during their lifetime are eligible for free coverage.
Source: dailyfinance.com

Medicare Coverage Part A, B, C, D

Medigap plans are supplemental insurance plans sold by private insurance companies to fill “gaps” in Original Medicare coverage. You can choose from a range of standardized plans, each offering different coverage. Beginning in 2010, there are 11 available Medigap policies (A, B, C, D, F, high deductible F, G, K, L, M, and N). To qualify for enrollment in a Medigap policy, you generally must have Medicare Part A and Part B. Medigap policies only work in conjunction with the Original Medicare plan and will not pay for costs associated with Medicare Advantage. People in Medicare Advantage plans should not purchase Medigap policies.
Source: oneexchange.com

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

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"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

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 Rates

This material is for information only. This is a solicitation to sell Aetna Medicare Supplement insurance underwritten by Aetna Life Insurance Company (Aetna). A sales representative may call. Benefits and costs may vary depending upon the insurance plan. Insurance plans are subject to exclusions, limitations and eligibility requirements. Neither Aetna Life Insurance Company nor any of its agents or Medicare Supplement insurance plans are connected with or endorsed by the U.S. or state government, Social Security or Federal Medicare program.
Source: aetnamedicare.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.gov: the official U.S. government site for Medicare

Posted by:  :  Category: Medicare

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Source: medicare.gov

Medicare Part D Prescription Drug Plans Coverage and Comparison

Medicare Part D Prescription Drug Plans, also known as “PDPs,” are stand-alone prescription drug plans that are sold by private insurance companies with a Medicare contract. Medicare beneficiaries can sign up for a PDP if they would like to add Part D drug coverage to their Original Medicare coverage. Certain Medicare Advantage plans, such as Cost Plans, Private Fee-for-Service (PFFS) plans, and Medical Saving Account (MSA) plans might allow you to add a stand-alone PDP to this coverage, although these situations may vary. Anyone enrolled in Medicare Part A and/or Medicare Part B is eligible to enroll in a Medicare Part D plan.
Source: planprescriber.com

Prescription Drug Coverage

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Source: cms.gov

Medicare Part D Plans and Guide, Prescription Drug Plans

En español l Medicare has an optional program — called Medicare Part D — that provides insurance to help you pay for prescription drugs. If you select to have the coverage, you pay a monthly premium. This guide explains how the program works and helps you make decisions in choosing a plan that’s right for you.
Source: aarp.org

2016 Medicare Part D Prescription Drug Plans: Overview by State

Choose your State from the list below for an overview of the Medicare Part D Prescription Drug Plans available in 2016. Please note – Medicare Part D Plans vary in cost and coverage by State – this means that if you move to a new State during the enrollment year, you may pay a different premium and/or possibly may not have access to the same selection of Medicare Part D plans. Select your state below or choose from one of these links to other tools available to review 2016 Medicare Part D Plans:
Source: q1medicare.com

Annual Statistical Supplement, 2011

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Beginning January 1, 2006, upon voluntary enrollment in either a stand-alone PDP or an integrated Medicare Advantage plan that offers Part D coverage in its benefit, subsidized prescription drug coverage. Most FDA-approved drugs and biologicals are covered. However, plans may set up formularies for their drug coverage, subject to certain statutory standards. (Drugs currently covered in Parts A and B remain covered there.) Part D coverage can consist of either standard coverage or an alternative design that provides the same actuarial value. (For an additional premium, plans may also offer supplemental coverage exceeding the value of basic coverage.) Standard Part D coverage is defined for 2006 as having a $250 deductible, with 25 percent coinsurance (or other actuarially equivalent amounts) for drug costs above the deductible and below the initial coverage limit of $2,250. The beneficiary is then responsible for all costs until the $3,600 out-of-pocket limit (which is equivalent to total drug costs of $5,100) is reached. For higher costs, there is catastrophic coverage; it requires enrollees to pay the greater of 5 percent coinsurance or a small copay ($2 for generic or preferred multisource brand and $5 for other drugs). After 2006, these benefit parameters are indexed to the growth in per capita Part D spending (see Table 2.C1). In determining out-of-pocket costs, only those amounts actually paid by the enrollee or another individual (and not reimbursed through insurance) are counted; the exception is cost-sharing assistance from Medicare’s low-income subsidies (certain beneficiaries with low incomes and modest assets will be eligible for certain subsidies that eliminate or reduce their Part D premiums, cost-sharing, or both) and from State Pharmacy Assistance Programs. A beneficiary premium, representing 25.5 percent of the cost of basic coverage on average, is required (except for certain low-income beneficiaries, as previously mentioned, who may pay a reduced or no premium). For PDPs and the drug portion of Medicare Advantage plans, the premium will be determined by a bid process; each plan’s premium will be 25.5 percent of the national weighted average plus or minus the difference between the plan’s bid and the average. To help them gain experience with the Medicare population, plans will be protected by a system of risk corridors, which allow Part D to assist with unexpected costs and to share in unexpected savings; after 2007, the risk corridors became less protective. To encourage employer and union plans to continue prescription drug coverage to Medicare retirees, subsidies to these plans are authorized; the plan must meet or exceed the value of standard Part D coverage, and the subsidy pays 28 percent of the allowable costs associated with enrollee prescription drug costs between a specified cost threshold ($250 in 2006, indexed thereafter) and a specified cost limit ($5,000 in 2006, indexed thereafter).
Source: ssa.gov

2014 Medicare Part D Program Compared to 2013, 2012, 2011 and 2010

The 2014 plan year standardized, combined Annual Notice of Change (ANOC) and Evidence of Coverage (EOC) document will be mailed to current members of all Medicare Advantage (MA) plans, Medicare Advantage with Prescription Drug Coverage (MA-PD) plans, Prescription Drug Only (PDP) plans and cost-based plans offering Part D. MA and MA-PD plans must ensure current members receive the combined ANOC/EOC by September 30, 2013. Plans have the option to include Pharmacy/Provider directories in this mailing. All plans offering Part D must mail their Low-Income Subsidy (LIS) riders and abridged or comprehensive formularies with the ANOC/EOC to ensure current member receipt by September 30, 2013. Exception: Dual Eligible Special Needs Plans (SNPs) that are fully integrated with the State must mail an ANOC with the Summary of Benefits (SB) for member receipt by September 30, 2013 and then send the EOC for member receipt by December 31, 2013. Fully Integrated Dual Eligible SNPs that send a combined, standardized ANOC/EOC for member receipt by September 30, 2013 are not required to send an SB to current members. Note: With the exception of the ANOC/EOC, LIS Rider, and abridged or comprehensive formularies, no additional materials may be sent prior to the beginning of when marketing activities may begin on October 1.
Source: q1medicare.com

What’s in Store for Medicare’s Part B Premiums and Deductible in 2016, and Why?

The absence of a COLA affects the amount of the Medicare Part B premium charged to enrollees because it triggers the broader application of a provision in the Social Security law known as the hold-harmless provision. In a year where the Social Security COLA is insufficient to cover the amount of the Medicare Part B premium increase for an individual, the law prohibits an increase in the Part B premium that would result in a reduction in that individual’s monthly Social Security benefits from one year to the next. (For an example of how the hold-harmless provision works in a typical year with a Social Security COLA, see Appendix B.) The hold-harmless provision affects a different number of beneficiaries each year, depending on the level of their Social Security benefits, the size of the COLA, and the increase in the Medicare Part B premium. In years with no COLA, a majority of beneficiaries are protected by the hold-harmless provision.
Source: kff.org

2011 MLN Matters Articles

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Source: cms.gov

Download claims with Medicare’s Blue Button

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MyMedicare.gov’s Blue Button provides you an easy way to download your personal health information to a file. Once you’re in your MyMedicare.gov account, you can download the file of your personal data and save the file on your own personal computer. After you have saved it, you can import that same file into other computer-based personal health management tools. The Blue Button is safe, secure, reliable, and easy to use.
Source: medicare.gov

Blue Cross Blue Shield Medicare Coverage

In order for medical services to be considered for payment by Medicare, doctors, hospitals and other health care providers that are approved by Medicare must be used. Always check with your doctor or other health care providers to make sure he or she is Medicare-approved.
Source: bcbstx.com

Medicare Supplement and Advantage Health Plans

Medicare has neither reviewed nor endorsed this information. Blue Shield of California is an HMO and PDP plan with a Medicare contract. Enrollment in Blue Shield of California depends on contract renewal.
Source: blueshieldca.com

Blue Cross Blue Shield Medicare Coverage

You can think of Medicare as a safety net. But even a safety net can have holes. Medicare covers many of your health care expenses. But it was never designed to pay all your health care costs. If you rely only on it to cover all your medical and/or prescription drug expenses, you could come up short. Blue Cross and Blue Shield of Texas, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, has options to strengthen your Original Medicare safety net with:
Source: bcbstx.com

Medicare Fraud Strike Force

Posted by:  :  Category: Medicare

These teams have a proven record of success in analyzing data and investigative intelligence to quickly identify fraud and bring prosecutions. The interagency collaboration also enhances the effectiveness of the Strike Force model. For example, OIG refers credible allegations of fraud to the Centers for Medicare & Medicaid Services (CMS) so that it can suspend payments to the suspected perpetrators, thereby immediately preventing losses from claims submitted by Strike Force targets.
Source: hhs.gov

How to Report Medicare & Disability Fraud in Florida

Call the Florida health department. Because the health department oversees Medicare, Medicaid and disability services for Florida residents, you may report fraud in these areas to state authorities, who will work with federal authorities to investigate your claim. The Florida Department of Health notes that its disability office is the third largest in the country, handling 6 percent of all disability claims in the U.S. The health department maintains a list of all regional offices with full contact information; to report fraud in your area, call your nearest regional office with details of the fraudulent activity. Depending on the type of fraud, state authorities may ask you to complete a specific form or share your claim with federal authorities or law enforcement staff.
Source: ehow.com

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

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

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Source: medicare.gov

Medicare enrolment application form (3101)

This information was printed Wednesday 27 April 2016 from humanservices.gov.au/customer/forms/3101 It may not include all of the relevant information on this topic. Please consider any relevant site notices at humanservices.gov.au/siteinformation when using this material.
Source: gov.au

New Mexico Medicare Health Insurance

Posted by:  :  Category: Medicare

We’re CDIS of New Mexico Inc., an independent, authorized exclusive general agent for Blue Cross and Blue Shield of New Mexico. Our knowledgable staff of seasoned Medicare experts has been helping New Mexico seniors get the most of Medicare for years and it won’t cost you a dime. We know medicare can be confusing, so if you have questions, we have answers. Whether you’re just browsing or ready to pick a plan that is right for you today, we’re here to help. Shoot us an email or give us a call. You’ll be glad you did.
Source: newmexicomedicarehealth.com

Medicare Supplement Insurance

* Plan F also has an option called a high-deductible Plan F. This high-deductible plan pays the same or offers the same benefits as Plan F after one has paid a calendar year $2,180 deductible. Benefits from high-deductible Plan F will not begin until out-of-pocket expenses are $2,180. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. These expenses include the Medicare deductibles for Part A and Part B, but do not include the plan’s separate foreign travel emergency deductible. ** Hospital benefits must be provided by facilities participating with Medicare. Payments are limited to the reasonable charge as determined by Medicare. *** After 90 days of hospitalization, Medicare benefits are paid from a one-time lifetime reserve of 60 additional days (days 91-150) which are not renewable each benefit period. See your Outline of Coverage for details and limitations of these benefits.
Source: bcbsnm.com

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

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Source: medicare.gov

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

MN Medicare Supplement Advantage Prescription Drug Plans

Posted by:  :  Category: Medicare

Affordable Medicare insurance products from five of Minnesota’s most recognized Medicare insurance providers: BlueCross and BlueShield of Minnesota, HealthPartners, Humana, Medica, and UCare for Seniors. Whether you are looking for a Medicare Supplement plan, Medicare Medigap plan, Medicare Cost, Medicare Select plan, Medicare Advantage plan, or a Medicare Prescription Drug plan (Part D), we feel confident that we will be able to match the right Medicare policy to your specific Medicare needs. Medicare plan type, premium, co-pays, provider network, flexibility, travel benefit, health club membership, dental, and medication mail order, are just some of the options to choose from. Use the links below to compare plans. CLICK HERE TO GET HELP FROM A MEDICARE SPECIALIST.
Source: mnhealthnetwork.com

BlueCross BlueShield of Minnesota Medicare Plans

Blue Cross and Blue Shield of Minnesota has been in business since 1933. With over two million members, Blue Cross and Blue Shield of Minnesota has been meeting the health care needs of persons in Minnesota and around the country. Blue Cross and Blue Shield of Minnesota has long been recognized as one of the highest quality health plans in the Midwest for member satisfaction. As the state’s oldest, largest and most-trusted health plan, Blue Cross and Blue Shield of Minnesota welcomes the opportunity and responsibility to improve the health of Minnesotans and their communities. Blue Cross and Blue Shield of Minnesota offers products, services, programs, and provider networks that people need and want. Blue Cross offers a complete portfolio of plans designed to meet the need of individuals, families, self-employed, seniors on Medicare, and small and large business. Click on any of the links below to find out information on any of Blue Cross and Blue Shield of Minnesota’s Medicare Health Insurance Plans.
Source: mnhealthnetwork.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

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

Congressman Keith Ellison

The Hygiene Assistance for Families of Infants and Toddlers Act, introduced by Reps. Keith Ellison (D-MN) and Rosa DeLauro (D-CT), was featured on last nights’ episode of Full Frontal with Samantha Bee.
Source: house.gov