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

Affordable Medicare Plans

Medicare can be quite overwhelming as you sort through your options and try to figure out what healthcare you need. For many of us, it’s the first time we really have to read the fine print, compare plans and understand the different options. But don’t worry, we’ve done the hard work for you and summarized Medicare in simple terms to help you find your best options. Once you have a level of comprehension under your belt, shop and compare Medicare plans to make sure you’re getting the best prices and coverage.
Source: medicare-plans.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 Supplemental Insurance

The first step is to understand Original Medicare and how Medicare supplemental insurance can protect you from the “gaps” in coverage. You need to learn how Medicare supplemental insurance is designed to protect you from expensive doctor and hospital bills. You can learn all about Original Medicare and Medigap policies in the About Medicare section of our web site. Second, you should request quotes from top quality insurers who offer Medicare supplement insurance coverage. After receiving no obligation quotes from at least three trusted insurance companies you should compare the plans using the plan guide in the Plans section of our site or have a professional help you. When you are ready to find a Medicare supplemental health insurance plan that is right for you and compare no obligation quotes for Medigap enter your zip code at the top of the page and we will quickly assist you. Finally, you can apply with online forms and receive priority processing and personalized care or speak to one of our Medicare specialists who can help you.
Source: mymedicaresupplementinsurance.com

Medicare Supplement Insurance Plans in Florida

What’s The best part of having a supplemental Medicare insurance plan? Well, it may that as long as a provider accepts Medicare, you can choose any doctor or any hospital in the United States to provide your health care. Alternately, most Medicare Select and Medicare Advantage plans have network restrictions. Under those plans, your choices are limited to plan providers within an approved network. Even more surprisingly, many Medigap policies have very low or even zero out-of-pocket costs! SummitMedigap.com, is a insurance agency specializing in Medicare supplemental health insurance that delivers Web-based insurance plan information and quotes to seniors, individuals and families. Our highly trained licensed agents know all about Medicare supplement health insurance. They can help you through the confusing jungle of Medigap insurance plan information. With the help of our experienced agents, you make the important and vital decisions about choosing a Medicare supplemental plan that’s right for you. We’ve already helped many Medicare recipients just like you. Utilize our online services or simply give us a call. We can help!
Source: summitmedigap.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

Humana Medicare Dental Plans 2016

Several insurance carriers offer dental plans or dental insurance and you should always compare all your options before you decide. With Humana, for example, you have choices to add dental coverage to your Medicare insurance in 2016*: MyOption Dental (High PPO), MyOption Enhanced Dental (as PPO or HMO) or MyOption Platinum Dental. Each plan offers a different set of benefits, coverage, premiums and deductibles/co-payments to meet different needs, whether you just want to make sure your teeth are covered for routine dental needs such as exams, X-rays, cleanings, and fillings, or need help paying for more serious dental procedures like root canals, crowns, or dentures. Please contact Humana for details, conditions and limitations of these plans. Humana MyOption dental plans are available for an extra monthly premium to persons enrolled in certain Humana Medicare Advantage plans and enrolled in both Medicare Part A and Part B. Further restrictions, limitations or conditions may apply and plans may not be available to you.
Source: medicareadvantagesupplementplans.com

ConnectiCare VIP Medicare Insurance

Posted by:  :  Category: Medicare

Medicare beneficiaries who are eligible to join a ConnectiCare VIP Medicare Plan may do so by selecting the button “Enroll online for a plan”. By completing the online enrollment application you will be submitting an actual enrollment request to join a ConnectiCare VIP Medicare Plan. In most cases, once your application is submitted electronically, you’re done. ConnectiCare will process your application and contact you if we need more information. Otherwise you’ll receive your Welcome Kit and Member ID card in the mail.
Source: connecticare.com

When to Enroll in Medicare

You cannot be denied Medicare supplement insurance if you apply during this period. If you miss your Medicare supplement insurance open enrollment period, you can still apply for coverage at any time. But you may be denied or charged a higher premium if your health history suggests that you may be a higher risk. If you enroll in a Medicare Advantage plan, you won’t be able to use Medicare supplement insurance.
Source: medicaremadeclear.com

Medicare Open Enrollment 2016

Doughnut hole: A gap in prescription drug benefits. In 2015, Part D enrollees will pay a monthly premium and may, depending on the plan, pay a deductible on prescriptions. Once any deductible is met, they pay copayments or co-insurance for their drugs until total drug spending – what the plan pays and what the enrollee pays combined – reaches $2,970 for the year. Then the enrollee pays 47.5 percent of the cost of brand-name drugs and 79 percent of the cost of generics until total out-of-pocket expenses for the year reach $4,750. After that, the enrollee reaches catastrophic coverage and pays only a small portion of drug costs, either 5 percent or copayments of $2.65 for generics and $6.60 for brands, whichever is more.
Source: medicarehealthinsurancefacts.com

How to Prepare to Enroll in Medicare

Part C is an alternative to traditional Medicare known as Medicare Advantage. Sold by private companies, Part C Medicare Advantage plans typically operate like managed care plans, with comprehensive health coverage from limited networks of medical providers, and these networks are generally more restricted than those of Medigap plans. If you join a Medicare Advantage plan, it will provide all of your Medicare Part A and Part B coverage and you won’t need a Medigap policy. Medicare Advantage plans, which are usually less expensive than Medigap plans, cost on average about $32 a month. Next Avenue has a guide to Medicare Advantage plans that provides additional details.
Source: nextavenue.org

Enroll Today for Texas Medicare Plans

If you’re eligible for Medicare, we invite you to learn more about Allegian Advantage Plans— Texas Medicare Advantage Plan. With Allegian Advantage,you get more benefits than Original Medicare at no extra cost to you, and no monthly premium. We serve Medicare-eligible Texans in Hidalgo, Willacy, Cameron, El Paso and Bexar counties.
Source: allegianadvantage.com

Download claims with Medicare’s Blue Button

Posted by:  :  Category: Medicare

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

Michigan Medicare Health Insurance Plans

Medicare is a health insurance program run by the government for people age 65 and older, and for people under 65 with certain disabilities. Understanding more about Medicare will make it easier to choose the right plan. Our Medicare 101 section has resources to help you do that.
Source: bcbsm.com

Florida Blue Medicare Supplements

Sometimes these supplemental insurance policies are called Medigap insurance plans. That is because they fill in the gaps for medical expenses that Medicare does not pay. These plans are sold by top-rated private insurers like Florida Blue, formerly Blue Cross and Blue Shield of Florida. According to the Medicare website, all of these plans offer the same basic benefits, but some add additional benefits that might be beneficial for some people. In most states, including Florida, these plans are standardized by the letter names or A through N. This illustrates some ways that these standardized plans are different but similar:
Source: securehealthoptions.com

Medicare plans from Independence Blue Cross

To file an appeal or grievance for your medical benefit coverage or your prescription drug coverage, contact Keystone 65 Customer Service at 1-800-645-3965 or Personal Choice 65 Customer Service at 1-888-718-3333; TTY/TDD users should call 711, 7 days a week, 8 a.m. to 8 p.m.; or you can complete and submit online the Request for Medicare Prescription Drug Coverage Determination or the Request for Redetermination of Medicare Prescription Drug Denial.
Source: ibxmedicare.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

Compare All Medicare Plan Options

Coverage is available to residents of the service area and separately issued by one of the following plans: Wellmark Blue Cross and Blue Shield of Iowa,* Blue Cross and Blue Shield of Minnesota,* Blue Cross and Blue Shield of Montana,* Blue Cross and Blue Shield of Nebraska,* Blue Cross Blue Shield of North Dakota,* Wellmark Blue Cross and Blue Shield of South Dakota,* Blue Cross Blue Shield of Wyoming.*
Source: wellmark.com

Blue Medicare PPO and Blue Medicare HMO Providers

Blue Cross and Blue Shield of North Carolina is an HMO, PPO, and PDP plan with a Medicare contract. Enrollment in Blue Cross and Blue Shield of North Carolina depends on contract renewal. Blue Cross and Blue Shield of North Carolina does not discriminate based on race, ethnicity, national origin, religion, gender, age, mental or physical disability, health status, claims experience, medical history, genetic information, evidence of insurability or geographic location within the service area. All Blue Cross and Blue Shield of North Carolina items and services are available to all eligible beneficiaries in the service area.
Source: bcbsnc.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

How to Reform Medicare: First Stage to Fix the Current Program

Posted by:  :  Category: Medicare

[5]The significant differences in official long-term projections, including projections of the program’s unfunded liability, reflect the differences in agency assumptions, particularly about the likelihood of the continuation of current law. The Medicare Trustees and the Congressional Budget Office (CBO) are required to make projections under current law, which assumes, for example, that the large Medicare Part A payment reductions are sustainable and that the projected 29.4 percent reduction in Medicare physician payment will be implemented in 2012. The Office of the Actuary in the Centers for Medicare and Medicaid Services (CMS) makes projections based on the premise that key elements of current law are simply “unworkable.” See John D. Shatto and M. Kent Clemens, “Projected Medicare Expenditures Under an Illustrative Scenario with Alternative Payment Updates to Medicare Providers,” Centers for Medicare and Medicaid Services, Office of the Actuary, May 13, 2011, at https://www.cms.gov/ReportsTrustFunds/downloads/2010TRAlternativeScenario.pdf (September 19, 2011).
Source: heritage.org

Medicare Advantage 2015 Data Spotlight: Overview of Plan Changes

When SNPs were authorized, there were few requirements beyond those otherwise required of other Medicare Advantage plans. The Medicare Improvements for Patients and Providers Act (MIPPA) of 2008 established additional requirements for SNPs, including requiring all SNPs to provide a care management plan to document how care would be provided for enrollees and requiring C-SNPs to limit enrollment to beneficiaries with specific diagnoses or conditions. As a result of the new MIPPA requirements, the number of SNPs declined in 2010. The ACA required D-SNPs to have a contract with the Medicaid agency for every state in which the plan operates, beginning in 2013. Additionally, in 2013, joint federal-state financial alignment demonstrations to improve the coordination of Medicare and Medicaid for dually eligible beneficiaries began to enroll beneficiaries. Today, financial alignment demonstrations are underway in 12 states: California, Colorado, Illinois, Massachusetts, Michigan, Minnesota, New York, Ohio, South Carolina, Texas, Virginia, and Washington. The financial alignment demonstrations could influence the availability of D-SNPs in these states, either increasing or decreasing the availability of SNPs, depending on the design of the demonstration.
Source: kff.org

The Facts on Medicare Spending and Financing

A number of changes to Medicare have been proposed that could help to address the health care spending challenges posed by the aging of the population, including: restructuring Medicare benefits and cost sharing; eliminating “first-dollar” Medigap coverage; further increasing Medicare premiums for beneficiaries with relatively high incomes; raising the Medicare eligibility age; shifting Medicare from a defined benefit structure to a “premium support” system; and accelerating the ACA’s delivery system reforms. At the same time, changes have been proposed to improve coverage under Medicare in order to limit the financial burden of health care costs on older Americans and younger beneficiaries with disabilities, though such changes would likely require additional spending. In addition to these potential changes, which would affect future spending levels, revenue options could also be considered to help finance care for Medicare’s growing and aging population.
Source: kff.org

Financial Security of Elderly Americans at Risk: Proposed changes to Social Security and Medicare could make a majority of seniors ‘economically vulnerable’

To better measure the economic vulnerability of older adults, they suggest using the Elder Economic Security Standard Index (Elder Index) developed by Wider Opportunities for Women (WOW). The Elder Index estimates how much it costs seniors to live in different communities across the country, accounting for an elder household’s housing type, transportation type, health status, and geography-specific cost of living. The index is more comprehensive than the SPM in its appraisal of costs, including food, housing, healthcare, and transportation costs, as well as miscellaneous expenses such as telephone, clothing, and personal care costs and relevant sales taxes. At the time we began our analysis, the measure had only been produced for 17 states, and therefore could not be used to assess elderly vulnerability nationwide. However, when we compared the index’s state-level thresholds to SPM thresholds for those same areas, we found a measurable pattern: The Elder Economic Security Standard Index threshold (the line below which the elderly are considered economically insecure) is roughly 200 percent of, or twice, the SPM threshold, on average. (Note that WOW has since released Elder Index values for states, counties, and cities throughout the United States; the data are available at www.basiceconomicsecurity.org/EI)
Source: epi.org

New Law Brings Some Changes to Medicare

Medigap is private health insurance that supplements Medicare. Two of the standardized plans that may be sold in most states cover in full the costs that Medicare doesn’t cover such as Medicare Parts A and B deductibles and co-payments. This is called “first-dollar coverage.” Starting in January 2020, new Medicare enrollees will no longer be able to choose one of these plans because plans will be prohibited from covering the Part B deductible. However, beneficiaries who are already covered by a first-dollar Medigap plan will be able to keep that plan.
Source: medicare.org

Coventry Medicare: Advantra (HMO/PPO)

Posted by:  :  Category: Medicare

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

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

Pennsylvania Medicare Supplement Plans

The best time to enroll is during the six-month Medigap Open Enrollment Period (OEP). The OEP begins on the first day of the month that a beneficiary is age 65 or older and enrolled in Medicare Part B. During the OEP, a beneficiary has the guaranteed issue right to enroll in a plan of their choosing without undergoing medical underwriting, and insurers cannot charge more, or deny coverage completely during this period. Note: Even during this six-month period, insurers may have the ability to impose a waiting period for pre-existing conditions.
Source: ehealthmedicare.com

Compare Best Pa 2016 Medicare Supplement Plans And Rates

All carriers that offer Medigap plans in the state, must offer both A and B contracts to be eligible to offer additional policies. NOTE: The majority of Americans do not pay for their Part A benefits. However, if you purchase coverage, the monthly rate is $411. Also, Medicare Advantage Options  are also issued by private carriers, but replace Parts And B as opposed to acting as a supplement. PPO Advantage contracts provide the most flexibility regarding choosing providers. HMO options are more restrictive since you must utilize the designated network, unless emergency treatment is needed.
Source: pahealthinsurancecoverage.com

When & how to sign up for Part A & Part B

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

Signup For Medicare Insurance

If you’re signed up for a Medicare program, the standards of your healthcare and hospital bills are covered and paid for by Medicare. That being said, the government does not cover all of the expenses and you are required to pay for some of the costs. Your financial responsibilities are dependent on your income and vary from person to person. If you’re suddenly hit with a major procedure or have an unfortunate accident, you could wind up paying quite a bit out of your own pocket to cover costs you may not have been expecting. Major surgeries and operations often cost over $100,000 and if you’re responsible for covering 15% of those costs, you can see how a heavy financial burden can occur. Medicare Supplement plans are used to cover those costs so you don’t have to. We can help you locate an affordable health insurance plan to make sure you’re fully covered and remove some of the financial uncertainty that can come with high unexpected healthcare costs. You don’t have to tackle things alone. We have a dedicated team of specialists and work with a number of providers and can help you find a plan that is both affordable, and will work work with your unique situation and healthcare needs. Search for Supplement Medicare Insurance. Enter Your Zip Code Above to Get a Free Medicare Insurance Quote
Source: medicaresignup.org

When to Sign Up for Medicare, When to Delay

You are eligible for Medicare when you turn 65. But these days, the decision to sign up is not a slam-dunk. For example, after you enroll in Medicare, you can no longer contribute to a health savings account. If, however, you work for a company with fewer than 20 employees, you usually don’t have a choice: Medicare Part A, which covers hospitalization, must be your primary insurance. The decision to sign up or not also depends on whether you’re receiving Social Security benefits and whether your spouse has coverage through your health insurance. If you miss key deadlines, you could have a gap in coverage, miss out on valuable tax breaks or get stuck with a penalty for the rest of your life.
Source: kiplinger.com

Signing up late for Medicare Part B can trigger a lifelong penalty

April 27, 1 p.m.: An earlier version of this article incorrectly said there is a late fee if you delay signing up while working for a company with fewer than 20 employees, even if you have work-based health insurance. The penalty does not apply if you continue coverage through your employer, but there can be other costs for not signing up around your 65th birthday.
Source: latimes.com

Medicare Information, Help, and Plan Enrollment

Humana is a Medicare Advantage HMO, PPO and PFFS organization and a stand-alone prescription drug plan 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. Plan Formulary may change at any time. You will receive notice when necessary. Benefits, premiums, and/or co-payments and/ or co-insurance may change on January 1 of each year.
Source: medicare.com

How to Sign Up for Medicare Health Plans from Kaiser Permanente

Hawaii enrollment form Oahu/Maui♦ Hawaii enrollment form Big Island♦ Oregon/Washington enrollment form♦ Kaiser Permanente – Medicare Unit P.O. Box 232407 San Diego, CA 92193-9914Maryland, Virginia, or Washington, D.C. residents: Download our enrollment form below, complete it, and mail it to us. After completing the enrollment form, be sure to make a copy for your records. Maryland, Virginia, or Washington, D.C. enrollment form♦ Also available in Spanish (en español)♦Kaiser Permanente Medicare Department P.O. Box 232407 San Diego, CA 92193-9914As you fill in the enrollment form, you will need to choose a primary care physician if you have not done so already. You can search for a doctor online or download the Maryland/Virginia/Washington, D.C. physician directory♦. After completing the enrollment form, be sure to make a copy for your records.
Source: kaiserpermanente.org

If you find Medicare sign

If you don’t sign up in your initial enrollment period or when your job-based coverage ends, you will pay a penalty that will raise your premiums for Medicare Part B and Part D for the rest of your life. Every year you delay signing up for Part B, your monthly premium rises by 10 percent — and missing the deadline by just one month is considered a one-year delay. There is also a waiting period for the coverage to kick in, so you could be without any insurance for several months, perhaps even a year, if you miss the deadline. For Part D, the penalty is 1 percent for every month’s delay. So a year’s delay would add 12 percent to the monthly drug premium base, currently set at $32.42.
Source: washingtonpost.com

Medicare Health Plans, Coverage And Online Enrollment

*Plan performance summary star ratings are assessed each year and may change from one year to the next. (Centers for Medicare & Medicaid Services Health Plan Management System, Plan Ratings 2012. Kaiser Permanente contract #H0524, #H0630, #H1170, #H1230, #H2150, #H6360, #H9003). This page was last updated: October 1, 2012 at 12 a.m. PT
Source: kaiserpermanente.org

Medicare Supplemental Insurance Plans

Medicare Supplement Insurance Plans, insured by UnitedHealthcare Insurance Company. If you’re considering a Medicare supplement plan, talking to an agent/producer may offer the direct assistance you’re looking for.
Source: aarpmedicaresupplement.com

How and when do I sign up for Medicare?

Your first chance to sign up for Medicare starts three months before your 65th birthday, includes the month you turn 65, and ends three months after the month you turn 65. These seven months are called the Initial Enrollment Period.
Source: bcbsm.com

MEDICARE, Part A, B, C and D

The Original Medicare Plan (Medicare Part A & B) is available everywhere in the United States. It is the way everyone used to get Medicare benefits and is the way most people get their Medicare Part A and Part B benefits now. You may go to any doctor, specialist, or hospital that accepts Medicare. The Original Medicare Plan pays its share and your supplemental FEHB coverage often pays the difference and if you carry both Part A and B most FEHB plans waive the deductible, copayments and coinsurance. Some things are not covered under Original Medicare, like prescription drugs.
Source: federalretirement.net

About Medicare Enrollment Periods

If you are 65 and not yet receiving Social Security or Railroad Retirement Board benefits (because you’re still working), Medicare enrollment may work differently. If you aren’t already getting retirement benefits when you turn 65, you won’t be automatically enrolled in Medicare Part B and will need to sign up during your Initial Enrollment Period.  If you have coverage through active employment and choose to delay enrollment in Medicare Part B, you will be given a Special Enrollment Period that starts when you stop working or your employer-sponsored health insurance ends. If you don’t sign up during this time, you can do so during the General Enrollment Period, but may owe a late-enrollment penalty (see below for more details).
Source: medicare.com

Can I sign up for Medicare Part D at any time?

If you are newly eligible for Medicare, you can enroll in a Medicare prescription drug plan up to three months before — and no later than three months after — the month you become eligible. If you didn’t sign up for Medicare Part D at age 65 because you had other drug coverage as good as Medicare’s, you will not have to pay a penalty for signing up late, provided you sign up for a Medicare drug plan within 63 days of dropping your other coverage. If you just didn’t sign up for Part D and currently have no drug plan, you will have to pay a late enrollment penalty if you now want to begin a Part D plan. The longer you wait to sign up, the higher your penalty — and you will have to pay the higher premium for as long as you have Part D.
Source: sharecare.com

Excellus BlueCross BlueShield

**You will receive an e-mail at the e-mail address you provide to confirm your interest in receiving e-mail communications from us. You must respond to the e-mail to begin receiving e-mail communications. You will have the choice to opt out of e-mail correspondence at any time. Excellus BlueCross BlueShield contracts with the Federal Government and is an HMO plan and PPO plan with a Medicare contract. Enrollment in Excellus BlueCross BlueShield depends on contract renewal. Submit feedback about your Medicare plan at www.Medicare.gov or by contacting the Medicare Ombudsman. Y0028_2521_0 CMS Approved 01312012.
Source: excellusbcbs.com

Part D Formulary Is Key To Choosing The Right Plan

Posted by:  :  Category: Medicare

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.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 Plans for Different Needs

UnitedHealthcare is dedicated to helping people nationwide live healthier lives. Our goal is to simplify the health care experience, help you meet your health and wellness needs and carry on trusted relationships with care providers. We offer a wide range of Medicare Advantage, Medicare prescription drug and Medicare Special Needs Plans that might be a good fit for you.
Source: uhcmedicaresolutions.com

Prescription Drug Coverage Contracting

The page could not be loaded. The CMS.gov Web site currently does not fully support browsers with “JavaScript” disabled. Please enable “JavaScript” and revisit this page or proceed with browsing CMS.gov with “JavaScript” disabled. Instructions for enabling “JavaScript” can be found here. Please note that if you choose to continue without enabling “JavaScript” certain functionalities on this website may not be available.
Source: cms.gov

Medicare Information, Help, and Plan Enrollment

Posted by:  :  Category: Medicare

Humana is a Medicare Advantage HMO, PPO and PFFS organization and a stand-alone prescription drug plan 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. Plan Formulary may change at any time. You will receive notice when necessary. Benefits, premiums, and/or co-payments and/ or co-insurance may change on January 1 of each year.
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

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

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

Medicare Advantage 2015 Data Spotlight: Overview of Plan Changes

When SNPs were authorized, there were few requirements beyond those otherwise required of other Medicare Advantage plans. The Medicare Improvements for Patients and Providers Act (MIPPA) of 2008 established additional requirements for SNPs, including requiring all SNPs to provide a care management plan to document how care would be provided for enrollees and requiring C-SNPs to limit enrollment to beneficiaries with specific diagnoses or conditions. As a result of the new MIPPA requirements, the number of SNPs declined in 2010. The ACA required D-SNPs to have a contract with the Medicaid agency for every state in which the plan operates, beginning in 2013. Additionally, in 2013, joint federal-state financial alignment demonstrations to improve the coordination of Medicare and Medicaid for dually eligible beneficiaries began to enroll beneficiaries. Today, financial alignment demonstrations are underway in 12 states: California, Colorado, Illinois, Massachusetts, Michigan, Minnesota, New York, Ohio, South Carolina, Texas, Virginia, and Washington. The financial alignment demonstrations could influence the availability of D-SNPs in these states, either increasing or decreasing the availability of SNPs, depending on the design of the demonstration.
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 Premiums 2017 Health Insurance

Posted by:  :  Category: Medicare

Before the passage of the Affordable Care Act (ACA), in 2010, the U.S. Congress had to approve any proposals that would affect Medicare payment rates and program rules. But that will change in 2017, as the Affordale Care Act created the Independent Payment Advisory Board (IPAB), a 15-member panel that would be empowered to propose changes if Medicare exceeds spending growth thresholds. The IPAB’s proposals are intended to extend the solvency of Medicare, slow Medicare cost growth, and improve the quality of care delivered to Medicare beneficiaries. Any recommendations would automatically go into effect, unless Congress took steps to override them. According to the, Medicare Trustees, a group that oversees the financial operations of the Hospital Insurance and Supplementary Medical Insurance trust funds, the Medicare per capita growth rate is projected to exceed the per capita target growth rate in 2017, triggering the IPAB for the first time.  This means three in ten people will be hit with a 25% increase for Medicare Part B, and that 70% of people with Medicare will be exempt from paying. And, according to a recent report from the Medicare Trustees, because the law requires Medicare Part B premiums to cover 25% of program costs, the 30% of those with Medicare premiums will see an increase to at least $159.30 each month, and couples who earn $428,000 annually will pay a monthly premium of $509.80.
Source: medicarepremiums2017.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

Effect of a Zero Social Security COLA on Part B Premiums in Medicare

Projected Part B Premiums in 2010 and Subsequent Years. CBO estimates that the Part B trust fund account will require about $220 billion in income from premium collections and matching contributions in 2010 to cover expenditures and maintain a contingency reserve, with larger premium collections required in subsequent years. CBO estimates that the hold-harmless provision, in conjunction with the zero COLAs projected for Social Security benefits, will result in the monthly Part B premium for beneficiaries not subject to the hold-harmless provision increasing to $119 in 2010, $123 in 2011, and $128 in 2012 (see note below). Without the hold-harmless provision, CBO estimates that the monthly premium would be $103 in 2010 and would grow to about $109 in 2012, so the interaction of the hold-harmless provision and projected zero COLAs for Social Security will add significantly to the increases called for under current law.There is no effect on Part D premiums because there is no hold-harmless provision in Part D.
Source: cbo.gov