Health Maintenance Organization (HMO)

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Source: medicare.gov

Your Medicare coverage choices

There are 2 main ways to get your Medicare coverage— Original Medicare (Part A and Part B) or a Medicare Advantage Plan (Part C). Some people get additional coverage, like Medicare prescription drug coverage or Medicare Supplement Insurance (Medigap). Use these steps to help you decide what coverage you want:
Source: medicare.gov

Medicare Plans for Different Needs

When it comes to Medicare, one size definitely does not fit all. What works for your neighbor may not be the best bet for you. Which is why it’s great to have choices. To find plans that may be a good fit for you, enter your ZIP code in the field below and click the "Find plans" button.
Source: uhcmedicaresolutions.com

Health Insurance, Medicare Insurance and Dental Insurance

At Humana, we go beyond insurance. We help provide a roadmap to a healthier you. By taking a personalized look at your life and your health, we can help you find the perfect plan and achieve your goals. Start becoming your best you. Start with healthy.
Source: humana.com

What’s Medicare Supplement Insurance (Medigap)?

Posted by:  :  Category: Medicare

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

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

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Source: medicare.gov

Medicare Supplement Plans

To be eligible to enroll in a Medicare Supplement plan, you must be enrolled in both Medicare Part A and Part B. A good time to enroll in a plan is generally during the Medigap Open Enrollment Period, which begins on the first day of the month that you are both age 65 or older and enrolled in Part B, and lasts for six months. During this period, you have the guaranteed-issue right to join any Medicare Supplement plan available where you live. You may not be denied coverage based on any pre-existing conditions during this enrollment period (although a waiting period may apply). If you miss this enrollment period and attempt to enroll in the future, you may be denied coverage or charged a higher premium based on your medical history.
Source: ehealthinsurance.com

AARP® Medicare Supplemental Insurance by United Healthcare

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

Medicare Plans for Different Needs

When it comes to Medicare, one size definitely does not fit all. What works for your neighbor may not be the best bet for you. Which is why it’s great to have choices. To find plans that may be a good fit for you, enter your ZIP code in the field below and click the "Find plans" button.
Source: uhcmedicaresolutions.com

Medicare Supplement Insurance

*Plans K-N provide for different cost-sharing than plans A-G. Plans K and L pay 100% of hospitalization and preventive care Basic Benefits. All other Basic Benefits are paid at 50% (Plan K) and 75% (Plan L). Once you reach the annual limit, the plan pays 100% of the Medicare copayments, coinsurance and deductibles for the rest of the calendar year. The out-of-pocket annual limit does NOT include charges from your provider that exceed Medicare-approved amounts, called “excess charges.” You are responsible for paying excess charges. Plan N covers Basic Benefits after a $20 copay for office visits and a $50 copay for emergency room visits. **The out-of-pocket annual limit may increase each year for inflation. (2016 limits shown) † Network restrictions apply
Source: bcbsil.com

Military Retireee Benefits (TRICARE)

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Source: medicare.gov

TRICARE Help Military People Find News and Information

Although this is more flexible than the aforementioned plan, it also comes at a slightly higher cost. Veterans usually do not need to register for this plan in advance if they are otherwise eligible to utilize the TRICARE system; enrollment takes place automatically when a veteran first goes to receive health care upon presenting the military/dependent ID as insurance. This is also flexible in terms of the fact that veterans may avail health care from any clinic or hospital that is a TRICARE network provider; all they need to do first is show their ID cards. It is more costly because a deductible is paid on an annual basis. Furthermore, any medical expenses are also split in an 80-20 method, whereby TRICARE is accountable for eighty percent of the total expenses, but the veteran would be required to cover the remaining twenty percent. As with TRICARE Prime, veterans do not need to concern themselves with the paperwork for reimbursements as the provider covers this as well.
Source: tricare.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

Dental Coverage Under Medicare

Posted by:  :  Category: Medicare

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 ever cover dental services?

will not cover dental care that you need primarily for the health of your teeth. For example, Medicare will not cover routine checkups, cleanings, or pay for you to get fillings. Medicare will never pay for dentures. Even if Medicare has paid for you to have teeth pulled (extracted) as preparation for a medical procedure, Medicare will not cover the cost of implants or dentures (complete or partial/bridge); you will be responsible for the full cost.
Source: medicareinteractive.org

Does Medicare Cover Dental Services 

PACE (Program of All-Inclusive Care for the Elderly) is a joint Medicare and Medicaid program that provides health-care services for people living in a community so that they can delay institutional or nursing home-care for as long as possible. PACE covers all services covered under Medicare and Medicaid and if you enroll in the program, you’ll get all of your Medicare coverage through your PACE organization (including prescription drug coverage, doctor services, and hospital care) as long as your health-care team determines they’re necessary for your care. In addition, PACE may include certain benefits beyond the Medicare program, such as dental services.
Source: medicare.com

Dental Coverage in the Health Insurance Marketplace

Health plans that include dental coverage. In the Marketplace, dental coverage is included in some health plans. You can see which plans include dental coverage when you compare them. If a health plan includes dental coverage, you’ll pay one monthly premium for both. The premium shown for the plan includes both health and dental coverage.
Source: healthcare.gov

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

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Source: medicare.gov

Medicare Advantage/Part D Contract and Enrollment Data

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Source: cms.gov

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

Posted by:  :  Category: Medicare

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Source: medicare.gov

Medicaid Excess Income (“Spenddown” or “Surplus Income”) Program

People with disabilities who find it difficult to go into a DSS/Medicaid office have a right to fax in bills as a reasonable accommodation for a disability. In some districts, including New York City, anyone can fax in their bills. Ask your caseworker for a fax number and fax cover sheet, or for another procedure to accommodate your disability. The fax number in New York City is 917-639-0645. If you fax bills, you must include your name, case and CIN number, the amount of your excess income, and say which month(s) you want coverage. If you need help with producing your bills because of a disability, you can contact your local department of social services to see what reasonable accommodations can be made.
Source: ny.gov

"Spending Down" to Medicaid: How to Spend Down to Medicaid

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

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

Posted by:  :  Category: Medicare

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Source: medicare.gov

Contact Information and Websites of Organizations for Medicare

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Source: medicare.gov

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

Posted by:  :  Category: Medicare

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Source: medicare.gov

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 SELECT Insurance Policy Benefits

* 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 Select Supplement Insurance

If you are 65 or older, have a Medicare SELECT policy and move out of the plan’s service area or network, you have the right to buy a new Medigap plan (a “guaranteed-issue” right). The plans you can choose from depend on where you live and which plans are sold in your area. Some states extend this guaranteed-issue right to people who are under 65.
Source: medicaresupplementspecialists.com

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

Posted by:  :  Category: Medicare

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Source: medicare.gov

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. [Benefits, premiums and/or member cost-share] may change on January 1 of each year. The [Formulary, pharmacy network, and/or provider network] may change at any time. You will receive notice when necessary.
Source: medicare.com

Medicare Information and Plan Comparisons

While health care was not central to the 2016 Presidential campaign, the election’s outcome will be a major determining factor in the country’s future health care policy. A number of issues have garnered media attention, including the future of the Affordable Care Act (ACA), rising prescription drug costs, and the opioid epidemic.
Source: medicare.org

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

Your information is governed 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, Medicare Supplement, and Prescription Drug Plan options (at any phone number or email address you provide) from an eHealth representative or one of our licensed insurance agent business partners, 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.gov: the official U.S. government site for Medicare

Posted by:  :  Category: Medicare

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Source: medicare.gov

Georgia Department of Community Health

The Georgia Department of Community Health (DCH) is pleased to provide an opportunity to Georgia Families and Georgia Families 360⁰ providers, provider associations and other interested parties to meet the Georgia Families Care Management Organizations
Source: georgia.gov

Medicare Advantage Georgia

Seniors in Georgia have around 40 different carrier options for Medicare Advantage and Medicare Part D plans including Aetna, Anthem, Highmark, Humana and United Healthcare; however, Kaiser Permanente is considered the best Medicare Advantage plan with 4.5/5 stars.
Source: medicare.net