Medicare Supplement Options

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* Network restrictions apply. ** Policy forms UWMSP(A)-2010, UWMSP(F)-2010, UWMSP(F-HD)-2010, UWMSP(G)-2010, UWMSP(K)-2010, UWMSP(L)-2010, UWMSP(N)-2010, UWMSP-SEL(F)-2010, UWMSP-SEL(G)-2010, UWMSP-SEL(K)-2010, UWMSP-SEL(L)-2010, UWMSP-SEL(N)-2010.
Source: bcbstx.com

Compare Medicare Advantage & Supplemental Plans

Medicare supplement plans offer benefits in addition to the benefits offered by Original Medicare Parts A and B, and they are offered by private insurance companies. There are several different types of Medicare supplement plans available, including Plan A, Plan C, Plan F, Plan M and Plan N. Medicare supplement plans and Medicare Advantage plans are not complementary, so it is important to understand which type of policy makes the most sense for you. Our licensed sales agents are standing by to walk you through a comparison of the costs and benefits of each type of plan, and to help you choose a Medicare supplement plan that best meets your needs.
Source: medicaresolutions.com

Medicare Supplement Plan F

*A benefit period begins on the first day you receive services as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row. ** NOTICE: When your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy’s “Core Benefits.” During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount Medicare would have paid.
Source: bcbstx.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

Supplements & other insurance

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Source: medicare.gov

Medicare Supplement Insurance from Mutual of Omaha

By submitting this form, I sign and agree to receive phone calls or text messages from a licensed insurance agent/producer on behalf of Mutual of Omaha Insurance Company and its affiliates, at the phone number above, including my wireless number, if provided, for the purpose of receiving an insurance quote. I understand these calls may utilize pre-recorded or artificial voice messages and may be generated using an automated dialing technology. I understand that my consent is not required to make a purchase.
Source: mutualplans.com

Medicare Eligibility and Enrollment

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good as Medicare’s or better, you shouldn’t be charged a late penalty as long as you sign up within the deadlines. After insurance from an employer ends, you must sign up for Part B within 8 months and for Part D within 63 days. Keep in mind that an insurance policy from an employer with fewer than 20 employees works differently with Medicare. If you work for a company of that size, you should sign up for Medicare when you are first eligible. You will not incur penalties if you don’t, but without Medicare Part B coverage, you could be without coverage for outpatient services.
Source: webmd.com

Compare Medicare Advantage & Supplemental Plans

Medicare supplement plans offer benefits in addition to the benefits offered by Original Medicare Parts A and B, and they are offered by private insurance companies. There are several different types of Medicare supplement plans available, including Plan A, Plan C, Plan F, Plan M and Plan N. Medicare supplement plans and Medicare Advantage plans are not complementary, so it is important to understand which type of policy makes the most sense for you. Our licensed sales agents are standing by to walk you through a comparison of the costs and benefits of each type of plan, and to help you choose a Medicare supplement plan that best meets your needs.
Source: medicaresolutions.com

Original Medicare (Part A and B) Eligibility and Enrollment

To be eligible for premium-free Part A, an individual must be entitled to receive Medicare based on their own earnings or those of a spouse, parent, or child. To receive premium-free Part A, the worker must have a specified number of quarters of coverage (QCs) and file an application for Social Security or Railroad Retirement Board (RRB) benefits. The exact number of QCs required is dependent on whether the person is filing for Part A on the basis of age, disability, or End Stage Renal Disease (ESRD). QCs are earned through payment of payroll taxes under the Federal Insurance Contributions Act (FICA) during the person’s working years. Most individuals pay the full FICA tax so the QCs they earn can be used to meet the requirements for both monthly Social Security benefits and premium-free Part A.
Source: cms.gov

Medicare Eligibility and Enrollment

Medicare: Am I Eligible? AARP’s Medicare Question and Answer Tool works as an online planning resource, designed to assist those who are eligible for Medicare benefits as well as those who are unsure. The Medicare Q and A Tool acts also as a guide, explaining in plain English eligibility, how to enroll, when to enroll and how to choose the best plan for you. AARP’s Medicare Question and Answer Tool is a starting point toward an informed decision about your Medicare coverage and your eligibility.
Source: aarp.org

Disability Planner: Medicare Coverage If You’re Disabled

Everyone with Medicare also has access to prescription drug coverage (Part D) that helps pay for medications doctors prescribe for treatment. For more information on the enrollment periods for Part D, we recommend you read Medicare’s "How to get drug coverage" page.
Source: ssa.gov

Federal Poverty Level Eligibility for Medicare and Medicaid Benefits

If your income is under 135% FPL, there are other Medicare Savings Programs you can qualify for. One of these programs is the Qualifying Individual (QI) program, which pays your monthly Part B premium. The income limit for another Medicare Savings Program, Specified Low-Income Medicare Beneficiary (SLMB), is 120%, but the program provides the same benefit—payment of the monthly Part B premium.
Source: nolo.com

Does Medicare or Medicaid Come With Social Security or SSI Disability Benefits?

Note that SSI recipients in 209(b) states are allowed to spend down even if the state doesn’t have a “medically needy” program, a separate type of Medicaid  eligibility  program that allows some individuals to spend down their medical expenses. In the 209(b) states that  do  have a medically needy program, SSI recipients have to spend down only to the 209(b) income standard, not the medically needy income limit (MNIL). (In most 209(b) states, the 209(b) income limits for Medicaid are higher than the income limits for Medicaid’s medically needy program.)  
Source: nolo.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

California and the ACA’s Medicaid expansion: eligibility, enrollment and benefits

Medicaid expansion has raised concerns about overburdening the health care system with a flood of new patients and challenging the financial viability of the program. An Oregon study released in early 2014 reinforced those fears. The study showed more use of primary care and about a 40 percent increase in emergency room visits among the newly insured. However, a recent study by the UCLA Center for Health Policy Research found that the spike in emergency room use was temporary — dropping by two-thirds after two years. The study also found that primary care use did not climb in response to the drop off of emergency room use — meaning overall utilization tapered off. Lead author Jerry Kominski summarized the study this way: “What our findings say to the country is (that) concerns about Medicaid expansion being financially unsustainable into the future are unfounded.”
Source: healthinsurance.org

California Health Advocates

We provide accurate, unbiased information about Medicare benefits and long-term care for Californians. Learn how Medicare works, ways to supplement your coverage, about low-income programs, prescription drugs and your long-term care options.
Source: cahealthadvocates.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

HIPAASpace Medicare/Medicaid Verification Program

Online Medicaid Verification Program – a web form on the HIPAASpace website where you can enter information about the OPRA provider in question such as name, practice location, NPI in a free-form, Google-like search, and get back information about Medicaid enrollment. This program requires an account and subscription to participate in the program. You can purchase access at a Products Page and you can also Request a Free Trial.
Source: hipaaspace.com

More Medicare Information

If you live in Puerto Rico you will not receive Medicare Medical Insurance (Medicare Part B) automatically. You will need to sign up for it during your initial enrollment period or you will pay a penalty. To sign up, please call our toll-free number at 1-800-772-1213 (TTY 1-800-325-0778). You also may contact your local Social Security office. You can find your local Social Security office by using our Office Locator.
Source: ssa.gov

Electronic Health Records (EHR) Incentive Programs

On November 14, 2016 we published the Medicare Program: Hospital Outpatient Prospective Payment and Ambulatory Surgical Center Payment Systems and Quality Reporting Programs; Organ Procurement Organization Reporting and Communication; Transplant Outcome Measures and Documentation Requirements; Electronic Health Record (EHR) Incentive Programs; Payment to Nonexcepted Off-Campus Provider-Based Department of a Hospital; Hospital Value-Based Purchasing (VBP) Program; Establishment of Payment Rates Under the Medicare Physician Fee Schedule for Nonexcepted Items and Services Furnished by an Off-Campus Provider-Based Department of a Hospital final rule with comment period which contains several changes that will directly affect the Medicare and Medicaid EHR Incentive Programs. To access the published rule, please click here.
Source: cms.gov

Get Help: How to Enroll in Medicare Coverage

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Keep in mind that if you don’t get prescription drug coverage when you’re first eligible, you may be charged a premium penalty if you join a plan later. You could also be charged more for Medicare supplement insurance if you wait to buy a plan. In some cases, you could be denied this coverage entirely based on your health history.
Source: medicaremadeclear.com

Turning 65? When To Enroll In Medicare

How do you enroll in Medicare? You will be automatically enrolled in Medicare Part A (hospital and other inpatient coverage) and Part B (doctor, medical and other outpatient coverage) if you are signed up for Social Security. You will not need to pay a Medicare Part A premium if you or your spouse has worked and paid into Medicare for at least 10 years. You will need to pay a Part B premium unless you are eligible for extra help because your income is low. Otherwise, what you pay for Part B will vary based upon your income. And, this premium is projected to rise significantly in 2017. Be aware that some commercial insurers, such as Aetna, Humana and UnitedHealthcare, in some areas are automatically enrolling members who become eligible for Medicare into their Medicare Advantage health plans, without people knowing it. And, these Medicare Advantage plans generally have very different provider networks, benefits and out-of-pocket costs from what you get through your employer health plans. You should understand the differences between traditional Medicare and Medicare Advantage plans and call Medicare at 800-633-4227 to make sure Medicare knows which plan you are choosing. If you’d like prescription drug coverage, you can enroll in a Medicare Part D prescription drug plan. There are many to choose from. And, if your income is low, you may be eligible for help paying the cost of this coverage. Keep in mind that you will have health care costs even with Medicare. Medicare does not cover dental or vision care, nor does it cover hearing aids. It also does not cover custodial nursing home care or other long term services and supports, which can cost a lot as you age. Traditional Medicare has deductibles and coinsurance that you can budget for if you buy Medicare supplemental insurance (“Medigap”), which fills all these gaps. Medicare Advantage plans, health plans offered by commercial insurers that offer Medicare benefits, also have copays and deductibles and generally limit coverage to a network of doctors and hospitals. Your out-of-pocket costs for in-network care is capped at $6,700, but your costs are unlimited if you go out of network. Most people opt for traditional Medicare.
Source: huffingtonpost.com

Should I enroll in Medicare if I'm still working past age 65?

If there are more than 20 employees covered on the plan, it would be primary. As the secondary payer, Medicare pays up to what it would have paid as primary payer. You may elect to enroll only in Medicare Part A, the hospital portion. It is premium-free for most people. Be aware that if you enroll in Part A OR Part B, it will start the clock ticking for the Medicare Part D prescription drug benefit. If your employer offers "creditable" prescription coverage (equal to or better than Medicare’s), you may delay the Part D enrollment without penalty.
Source: tn-elderlaw.com

Should I enroll in Medicare if I have health insurance from my (or my spouse's) current employer?

You have the choice to stay with this plan, choose Original Medicare, or switch to another Medicare Advantage Plan. Be aware that if you switch to Original Medicare or another Medicare Advantage Plan instead, the employer or union could terminate or reduce your health benefits, the health benefits of your dependents, and any other benefits you get from your company. Talk to your plan before switching to find out how your health benefits and other benefits will be affected.
Source: medicareinteractive.org

Direct Mail Leads for Medicare Supplement, Final Expense and More

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Send a mailer to the names available on our accurate and qualified lists using our turn key lead services. Names to mail with age and income selection, forms, printing, bulk rate outgoing shipping, response postage and handling, scanning, uploading and data entry into TLLM are all included in the price you are given. If you would like to select additional demographics or duplicate lists we can add those options to your order. All leads returned are EXCLUSIVE to you and your order. The households (not just the names) you mail are also protected for at least 90 days giving you plenty of time to receive and work your leads.
Source: targetleads.com

Precision Senior Marketing

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Source: psmbrokerage.com

Live Transfer Leads Generation Company

Live Contact Leads can explode your business with High Intent, Live Transfer Leads. We produce a customized campaign, directing all traffic to your phones, where you can control when you take your live transfer leads. Live Contact Leads gets an interested prospect on the phone and live transfers them to your phones when they show an interest in your product or services Live Contact Leads is also a full service Search Engine Optimization Company.
Source: livecontactleads.com

A Guide to Medicare Supplemental Companies

Christian Fidelity Life Insurance Company was established in 1954 and specializes in Phoenix, AZ providing life and health insurance coverage to the senior citizens. The company is located in and functions as a subsidiary of Oxford Life Insurance Organization. Christian Fidelity Life is actually a superb quality Final Expense Life Insurance and Medicare Supplement dispensing insurance company with excellent sales workforce, outstanding service and highly competitive premiums. Presently, about 30,000 insured persons being offered individual Supplemental Medicare insurance products. The company owns assets worth $90,802,891, a capital equaling $3,630,000 and a net surplus amounting to $41,934,621. Christian Fidelity Life Insurance Company has been graded with B++ (GOOD) rating. The two main insurance products provided by Christian Fidelity Life are Medicare Supplement and Life Insurance. The Supplemental Medicare plans offered by the company helps in covering the expenses left behind by Medicare, for example: Medicare Part A deductibles & co-payments, doctor services, outpatient services & supplies, emergency health care (outside U.S.), ambulance services, skilled nursing facility, speech therapy and extended hospital care. The other main type of insurance, provided by Christian Life is Life Insurance with a special whole life insurance plan known as Assurance Final Expense. This whole life policy is offered to the individuals aged from 50 to 85 years. The policy gives coverage for the funeral costs and other expenses when the insured person passes away.
Source: bestmedicaresupplement.com

Health Insurance Plans for Individuals & Families, Employers, Medicare

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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

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

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Source: medicare.gov

Commonly Used Medicare Modifiers

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+Manny Oliverez is a 20 year veteran of healthcare having managed medical practices. He advises medical practices, physicians and practice administrators on how to run their practice and manage their medical billing and revenue cycle management. Manny speaks, blogs and makes videos at www.CaptureBilling.com, a blog that is tops in the medical billing and coding field. READ MORE
Source: capturebilling.com

Health Insurance: Georgia Health Insurance, Inc

We stay up-to-date on all the latest insurance products and industry developments, ensuring the highest possible level of customer service. If you ever have questions, would like to review your plan, or see if there are better options available, help is always just a phone call or email away.
Source: ga-health-insurance.com

Medicare Nursing Home Profile

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Source: medicare.gov

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 is Medicare? What is Medicaid?

Medicare Part A, or Hospital Insurance (HI), helps pay for hospital stays, which includes meals, supplies, testing, and a semi-private room. This part also pays for home health care such as physical, occupational, and speech therapy that is provided on a part-time basis and deemed medically necessary. Care in a skilled nursing facility as well as certain medical equipment for the aged and disabled such as walkers and wheelchairs are also covered by Part A. Part A is generally available without having to pay a monthly premium since payroll taxes are used to cover these costs.
Source: medicalnewstoday.com

Medicare and Medicaid: What's the Difference?

Costs to Consumer: You must pay a yearly deductible for both Medicare Part A and Part B, and make hefty copayments for extended hospital stays. Under Part B, you must pay the 20% of doctors’ bills Medicare does not pay, and sometimes up to 15% more. Part B also charges a monthly premium. Under Part D, you must pay a monthly premium, a deductible, copayments, and all of your prescription drug costs over a certain yearly amount and up to a ceiling amount, unless you qualify for a low-income subsidy.
Source: nolo.com

Get Medicare Part D Quotes in Seconds

Posted by:  :  Category: Medicare

As could be expected, prices for Humana policies rocketed for the 2015 calendar year. Mean premiums for Humana Part D jumped from $21.80 to $38.70. Medicare Part D is priced at $41.55 and Part D Medicare comes in at the slightly lower price of $38.80. Humana’s standalone market share coverage has dropped to 18.6% whereas their Medicare Part D policies have increased to a market share of 12.8%.
Source: medicareaide.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

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

Medicare supplement insurance companies can only sell you a standardized Medicare supplement policy identified by letters A through N. Each standardized Medicare supplement insurance policy must offer the same basic benefits, no matter which insurance company sells it. Cost and customer service are usually the only difference between Medicare supplement policies sold by different insurance companies.
Source: mutualofomaha.com

Supplements & other insurance

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Source: medicare.gov

Medicare Supplement Insurance

Our Guide to Medicare: Helping You Navigate the Medicare Maze is available.  It will provide valuable information as you educate yourself on the ins and outs of Medicare Part A and B, and will help you consider Medicare Supplement insurance to cover the high-cost of medical care. Printable versions of the “Turning 65 Checklist” and “Already 65 Checklist” are included in the guide.
Source: gpmlife.com

Medicare Part A, Part B, Part C, Part D, Ohio, Medicare Supplement Quote

Offers health plan options run by Medicare-approved private insurance companies. Medicare Advantage Plans are a way to get the benefits and services covered under Part A and Part B. Most Medicare Advantage Plans cover Medicare prescription drug coverage (Part D). Some Medicare Advantage Plans may include extra benefits for an extra cost.
Source: medicareohiohelp.com