Medicare Made Clear: Medicare Information

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

Medicare News and Updates

It wasn’t so long ago that a breast cancer diagnosis often meant major surgery, months of radiation and a dubious prognosis. In fact, the National Cancer Institute (NCI) reports that the overall 5-year survival rate for breast cancer was 75% in 1997. By 2007, it had increased to 90% mainly due to advances in detection and treatment.
Source: medicaremadeclear.com

5 Timely Tips for Boomers Turning 65 in 2016

Original Medicare is administered by the federal government. Medicare Advantage plans are offered by private insurance companies approved by Medicare. They must provide all the same benefits as Original Medicare Parts A and B. Many plans include additional benefits, such as prescription drug coverage and more.
Source: medicaremadeclear.com

Supplements & other insurance

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The page could not be loaded. The Medicare.gov Home page currently does not fully support browsers with "JavaScript" disabled. Please note that if you choose to continue without enabling "JavaScript" certain functionalities on this website may not be available.
Source: medicare.gov

What’s Medicare Supplement Insurance (Medigap)?

Some Medigap policies also offer coverage for services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medigap policy pays its share.
Source: medicare.gov

Utah Medicare Supplements

Most existing beneficiaries will be "held harmless" and will pay $104.90 in 2016. Beneficiaries not subject to the “hold harmless” provision will pay $121.80, as calculated reflecting the provisions of the Bipartisan Budget Act signed into law by President Obama last week. Medicare Part B beneficiaries not subject to the “hold-harmless” provision are those not collecting Social Security benefits, those who will enroll in Part B for the first time in 2016, dual eligible beneficiaries who have their premiums paid by Medicaid, and beneficiaries who pay an additional income-related premium. These groups account for about 30 percent of the 52 million Americans expected to be enrolled in Medicare Part B in 2016. 
Source: medicare-utah.net

Medicare Supplemental Insurance Plans

With a variety of standardized Medicare supplement insurance plans available, it’s important to know your options. Learn about the benefits and how a Medicare supplement insurance plan could be the right fit for you
Source: aarpmedicaresupplement.com

Military Retireee Benefits (TRICARE)

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Source: medicare.gov

Medicare Part D and TRICARE

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

What’s Medicare Supplement Insurance (Medigap)?

Some Medigap policies also offer coverage for services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medigap policy pays its share.
Source: medicare.gov

Differences Between TRICARE and MEDICARE

The aim of TRICARE is to provide those with links to the military with civilian health care. Interestingly, TRICARE doesn’t apply only to service members, but also to veterans, to the families of veterans and in some cases to civilian employees of the military. In essence, the program is there to ensure that people within the military and with ties to the military have more options when it comes to health care. TRICARE has gone through a number of changes since its foundation as CHAMPUS and beyond, so it can get a little confusing. The program can be broken down as follows:
Source: militaryauthority.com

Dental Coverage Under Medicare

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

Does Medicare Cover Dental Care?

For example, Medicare might pay for a tooth extraction if it is required before heart surgery. Or, a person with oral cancer might get a procedure covered prior to radiation treatment. Even if Medicare does pay for some services as preparation for a medical procedure, it will not cover the cost of implants or dentures.
Source: ncoa.org

Dental Coverage in the Health Insurance Marketplace

Outside Open Enrollment, you can change health plans only if you have a qualifying life event that gives you a Special Enrollment Period (SEP). Learn more about how you qualify for a Special Enrollment Period. If you qualify for an SEP, you can choose a new health plan with or without dental coverage. But you can’t get dental coverage by itself.
Source: healthcare.gov

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

Welcome to Medicare GenerationRx (Employer PDP)

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

Medicare Prescription Drug Plans

Medicare prescription drug plans. A simple way to get prescription drug coverage. Original Medicare Parts A and B doesn’t include prescription drug coverage. And you don’t automatically get prescription drug coverage when you sign up for Medicare. Some Medicare Advantage plans include prescription drug coverage. But you can also get Part D drug coverage in a standalone Medicare prescription drug plan.
Source: uhcmedicaresolutions.com

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

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

Safe Ways to Spend Down Your Assets to Qualify for Medicaid

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

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

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

What Is Medicaid Spend Down?

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

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

Affordable Arizona Medicare Plans

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

Medicare SELECT Insurance Policy Benefits

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

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

The page could not be loaded. The Medicare.gov Home page currently does not fully support browsers with "JavaScript" disabled. Please note that if you choose to continue without enabling "JavaScript" certain functionalities on this website may not be available.
Source: medicare.gov

Medicare Select Plans and Rates Compared Online

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

What is Medicare SELECT? – Go Health Insurance

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

Medicare.gov Nursing Home Compare

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The page could not be loaded. The Medicare.gov Home page currently does not fully support browsers with "JavaScript" disabled. Please note that if you choose to continue without enabling "JavaScript" certain functionalities on this website may not be available.
Source: medicare.gov

Medicare.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

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

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

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.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