Employer Group and Medicare

Posted by:  :  Category: Medicare

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Source: samhealthplans.org

Health Insurance Plans for Individuals & Families, Employers, Medicare

UnitedHealthcare offers health insurance plans to meet the needs of individuals and employers. Plus we offer dental, vision and many other insurance plans to help keep you and your family healthy. 
Source: uhc.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

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: What Are Medigap Plans?

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

Medigap (Medicare Supplement Health Insurance)

A Medigap policy is health insurance sold by private insurance companies to fill the “gaps” in Original Medicare Plan coverage. Medigap policies help pay some of the health care costs that the Original Medicare Plan doesn’t cover. If you are in the Original Medicare Plan and have a Medigap policy, then Medicare and your Medigap policy will each pay its share of covered health care costs. Generally, when you buy a Medigap policy you must have Medicare Part A and Part B. You will have to pay the monthly Medicare Part B premium ($96.40 in 2011 for most beneficiaries). In addition, you will have to pay a premium to the Medigap insurance company. As long as you pay your premium, your Medigap policy is guaranteed renewable. This means it is automatically renewed each year. Your coverage will continue year after year as long as you pay your premium. In some states, insurance companies may refuse to renew a Medigap policy bought before 1992. Insurance companies can only sell you a “standardized” Medigap policy. Medigap policies must follow Federal and state laws. These laws protect you. The front of a Medigap policy must clearly identify it as “Medicare Supplement Insurance.” It’s important to compare Medigap policies, because costs can vary. The standardized Medigap policies that insurance companies offer must provide the same benefits. Generally, the only difference between Medigap policies sold by different insurance companies is the cost. You and your spouse must buy separate Medigap policies.Your Medigap policy won’t cover any health care costs for your spouse. Some Medigap policies also cover other extra benefits that aren’t covered by Medicare. You are guaranteed the right to buy a Medigap policy under certain circumstances. For more information on Medigap policies, you may call 1-800-633-4227 and ask for a free copy of the publication “Choosing a Medigap Policy: A Guide to Health Insurance for People With Medicare.” You may also call your State Health Insurance Assistance Program (SHIP) and your State Insurance Department. Phone numbers for these Departments and Programs in each State can be found in that publication.
Source: cms.gov

Medicare Supplement Plans Overview 

Now that you know more about Medicare Supplement plans, you may be wondering if one of these plans may be right for you. I always enjoy helping people figure this out. If you’d like to start out by getting some more information in front of you, use the links below, which let you schedule a phone appointment or have me email you information about plans. To take a look at all available Medicare plans right now, use the Compare Plans buttons on this page. To get to know me better, take a look at my photo and profile below (see my profile by clicking on the “View profile” link). Or, if you need assistance right away, just call me or another licensed insurance agent at the contact details below.
Source: medicare.com

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

"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

How to Choose the Best Medigap Plan

Medigap health plans are basically bookkeeping operations. Unlike Medicare Advantage plans, Medigap plans don’t make any decisions about what to cover. They don’t have networks of doctors or hospitals. All they do is pick up a specified share of your medical bills that Medicare doesn’t pay, such as Part A or Part B deductibles or co-pays. If Medicare paid for it and you still owe a part of the bill, Medigap will pay it, no questions asked.
Source: consumerreports.org

Excellus BlueCross BlueShield Medicare Insurance Plans

Posted by:  :  Category: Medicare

Copyright © 2017, Excellus BlueCross BlueShield, a nonprofit independent licensee of the Blue Cross Blue Shield Association. All rights reserved. View our Privacy Policy for information on how we protect your privacy. Use of this site indicates your acceptance of our Terms of Use. Follow this link to view our 31 county New York State service area. You will need Internet Explorer or Firefox to use the secure features of this site.
Source: excellusmedicare.com

Excellus Medicare Advantage Plans for 2017

Our goal is to serve you. To offer as many products as possible for each given area so that we remain on the side of our clients – YOU! With many choices available we can provide a more complete, and more informed recommendation. Our mission is to provide seniors unbiased, objective advice on Medicare Advantage, Medicare Part D and Medicare Supplement plans. Our Advisors have an average of 10+ years working with seniors and are not just temporary and seasonal (AEP). You will have the same advisor this year, next year, and each year to come making this Annual process easier instead of tougher every 12 months.
Source: excellusmedicareadvantage.com

Excellus Medicare Insurance Plans

Medigap plans, also known as Medicare Supplement Insurance, provide a way for you to supplement Parts A and B (Original Medicare), which is the insurance that pays for stays in a hospital, skilled nursing home care, visiting your doctor, lab tests, and other expenses. Excellus offers six Medicare Supplement Insurance (Medigap) plans that cover coinsurance payments, deductibles, skilled nursing coinsurance amounts, and other expenses, including those for medical expenses incurred outside of the United States.
Source: medicaresolutions.com

Excellus BCBS Resource Center

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 a complaint about your Medicare plan at www.Medicare.gov or learn about filing a complaint by contacting the Medicare Ombudsman. Y0028_4759_0 Approved
Source: excellusbcbs.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

Summary of Key Changes to Medicare in 2010 Health Reform Law   

This brief provides a detailed look at the improvements in Medicare benefits, changes to payments for providers and Medicare Advantage plans, various demonstration projects and other Medicare provisions in the law. It includes a timeline of key dates for implementing the Medicare-related provisions in the law.
Source: kff.org

Changes to Medicare With the Affordable Care Act

You can get most screening services without additional cost. Screenings are medical tests to find illnesses early, when they’re easier to treat. For instance, a mammogram is a screening for breast cancer. A colonoscopy checks for colon cancer. You can also be checked for diabetes, high blood pressure, and high cholesterol.
Source: webmd.com

Medicare Plans: What You Need to Know for 2011; Changes, Costs, Premiu…

Will my premiums go up? On average, premiums for stand-alone drug plans will rise by $1 a month, according to Medicare officials. But a more detailed analysis from Avalere Health, a consulting company that tracks Part D trends, finds some people will see their current premiums drop next year while others will see big increases. Among the 10 drug plans with the most people enrolled, three will have lower premiums: On average, the AARP MedicareRx Preferred plan’s premiums will drop by about 11 percent, and the CVS Caremark Value and Advantage Star plans by about 2 percent. Among the seven others, average premiums will rise by varying degrees, from nearly 3 percent in the Community CCRx Basic plan to nearly 20 percent in the First Health Part D Premier plan.
Source: aarp.org

Medicare Supplement Changes for 2010

How do the Medigap Supplement changes affect you? If you purchased your Medigap plan before June 1, 2010, your plan continues to be guaranteed renewable. This means your plan will automatically renew each year as long as you continue to pay your premiums. (Older policies may become more expensive, however, as the number of policy holders declines.) Those with older policies who wish to switch to the new Medigap policies may replace a policy of equivalent or lesser coverage without being subject to pre-existing condition waiting periods or probationary periods, as long as they maintained coverage for at least six months.
Source: neighborhoodlink.com

MedSuppForAgents.com offers agents the resources and information they need to sell more Medicare Supplement Insurance!

This self-help web site provides insurance agents with 24-hour access to Medicare Supplement product information. Just click on one of the carriers above to view key information such as rates, plans available, contracts, underwriting rules, lead programs and more. Call us at 1-877-888-9996 and speak with one of our experienced and licensed Marketing Coordinators. Over the years, MedSuppForAgents.com has earned a reputation for integrity, leadership and performance with insurance companies, producers and consumers.
Source: medsuppforagents.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 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.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 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

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

National Government Services

National Government Services is one of the few organizations in the federal health care market that has true roots in health care and a history of delivering solutions that solve complex challenges. Our capabilities are designed to be flexible, scalable, and most importantly the right fit to meet our customers’ demands.
Source: ngsservices.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 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

Could I be eligible for a government program other than Medicaid to help with my health care costs (Medicare Savings Programs)?

States use different rules to count your income (money you take in, for example, Social Security payments that you get or wages that your earn) and assets (resources such as checking accounts, stocks and some property) to determine if you are eligible for an MSP. Certain income or assets may not count. Some states do not have an asset limit.
Source: medicareinteractive.org

Medicare Savings Programs: Four Options to Help with Medicare Costs

The Qualifying Individual (QI) Program is another level of the Medicare Savings Program. If you don’t qualify for QMB or SLMB, you might try applying for the QI Medicare Savings Program instead. This program pays for Medicare Part B premiums and automatically qualifies you for the Extra Help prescription drug program. Be aware that you must reapply each year for these benefits. Also, program funding is limited, so benefits are available on a first-come, first-served basis, and priority is given to individuals who received QI benefits the previous year. If you qualify for Medicaid, you cannot receive QI benefits.
Source: ehealthmedicare.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

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

Compare Medicare Supplement Plans A

Medicare Supplement insurance works differently in Massachusetts, Minnesota, and Wisconsin, which standardize their plans differently from the rest of the country. Insurance companies that sell Medicare Supplement insurance aren’t required to offer all plan types. However, any insurance company that sells Medigap insurance is required by law to offer Medigap Plan A. If an insurance company wants to offer other Medigap plans, it must sell either Plan C or Plan F in addition to any other plans it would like to sell.
Source: ehealthinsurance.com

Medicare Supplement Plans Archives

Medigap plans, also called Medicare Supplement plans, can be helpful for people with lower incomes, as some Medigap plans cover many of the expenses that Original Medicare, Part A and Part B, does not cover. Such expenses can include copayments, coinsurance,… Read more
Source: medicare.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 Plans

When you sign up for Medicare and choose a Medicare Supplement plan to help cover your costs, you’ll want to add a separate Part D plan at the same time. Part D is Medicare’s Prescription Drug Coverage. Like Medicare Supplement, you can get Part D directly from us. We offer several prescription drug plans to meet everyone’s needs. So add one to your shopping cart or take a closer look at Medicare Part D
Source: anthem.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

Welcome to Palmetto GBA eServices

Posted by:  :  Category: Medicare

You are accessing a U.S. Government information system, which includes: (1) this computer, (2) this computer network, (3) all computers connected to this network, and (4) all devices and storage media attached to this network or to a computer on this network. This information system is provided for U.S. Government-authorized use only. Unauthorized or improper use of this system may result in disciplinary action, as well as civil and criminal penalties. By using this information system, you understand and consent to the following:
Source: onlineproviderservices.com

Local Coverage Determinations (LCDs) for Palmetto GBA

NOTE: You either have javascript disabled or have saved the page locally. Your experience may not be optimal due to these factors. Please consider enabling javascript or revisiting this page to get an optimal MCD experience. (Due to browser security settings, directly clicking the previous link may not work, so you may need to copy and paste the following link [http://www.cms.gov/medicare-coverage-database/indexes/lcd-list.aspx?Cntrctr=377&name=&DocType=Active&ContrVer=1&CntrctrSelected=377*1&s=34%7c48%7c53%7c58&bc=AggAAAIAAAAAAA%3d%3d&] into your browser.)
Source: cms.gov

Medicare Coverage Database – Centers for Medicare & Medicaid Services

01/12/2017: CMS has determined that the Medicare Administrative Contractors (MACs) in Jurisdictions 5, 6, 8 and 15 will not be further consolidated. It is anticipated that for these four (4) jurisdictions, their LCDs and Articles details pages will be updated in late April 2017 to reflect their numbered jurisdiction. The display on the document detail pages will be changed from “N/A” to the specific jurisdiction number  in the Jurisdiction Column.  Currently, other MAC jurisdictions have their lettered jurisdiction displayed in this field.
Source: cms.gov

Palmetto GBA : Search Help

Should you have landed here as a result of a search engine (or other) link, be advised that these files contain material that is copyrighted by the American Medical Association and/or American Dental Association. Current Dental Terminology, fourth edition (CDT-4) (including procedure codes, definitions (descriptions) and other data) is copyrighted by the American Dental Association. Copyright 2002 American Dental Association. All rights reserved. Applicable FARS/DFARS apply. You are forbidden to download the files unless you read, agree to, and abide by the provisions of the copyright statement.
Source: palmgba.com