Medicare Moratorium on New Providers Might Punish Innocent

The expansion of an anti-fraud initiative that blocks new ambulance and home health providers from enrolling in Medicare in some states might harm legitimate providers that were trying to enroll.

Ambulance and home health providers told Bloomberg BNA they support the program’s goal of reducing Medicare overutilization, but they said last year’s state-wide moratorium expansions prevented otherwise innocent providers from enrolling in Medicare.

The Centers for Medicare & Medicaid Services expanded the temporary moratorium program from selected counties to some entire states in July 2016. The program is designed to stop new provider enrollment in sectors where the CMS has identified a high risk of fraud and abuse.

The expansion affects all newly enrolling nonemergency ambulance providers in New Jersey, Pennsylvania, and Texas, and all newly enrolling home health agencies in Florida, Illinois, Michigan, and Texas.

Previously, moratoriums were in effect in certain counties surrounding large metropolitan areas in those states.

The American Ambulance Association supported the initial, more limited moratoriums, but recognizes the burdens the expansions may pose on providers, Brian Werfel, a Medicare consultant with the AAA, told Bloomberg BNA.

Expanding the scope of the moratoriums from county to state level swept up many providers that were in the midst of enrolling in Medicare, Werfel said. The enrollment process can take up to five months, so providers that wanted to enroll near the original targeted areas were suddenly blocked from enrolling, he said.

CMS May Grant Waivers

The CMS can allow some providers to enroll through the use of waivers and should “liberally” use them, Werfel said. The waivers are doled out on a case-by-case basis and intended to help individual ambulance and home health providers enroll in Medicare in moratorium states, but Werfel said they haven’t been working as well as they should.

The regulation that governs the moratorium program makes clear that it applies to both new enrollment applications and enrollment applications that were pending when the moratorium went into effect, Werfel said.

“What you need to understand is that the enrollment process can take three to six months, depending on how quickly CMS completes its required site visit,” Werfel said.

For example, the ambulance provider moratorium expansions for the entire states of Texas, Pennsylvania, and New Jersey went into effect July 29, 2016.

Any provider that applied for enrollment in May, June or July 2016 did so without any notice that the moratorium would impact them, Werfel said.

A solution to the problem would be to impose the moratorium on newly submitted enrollment applications and grandfather in all pending applications, Werfel said.

The Affordable Care Act gave CMS the authority to impose temporary moratoriums on providers enrolling in Medicare, Medicaid, or the Children’s Health Insurance Program if there was a significant risk of fraud and abuse.

The initial moratoriums were imposed in July 2013 and covered enrollment in several counties in Florida, Illinois, and Texas.

They were expanded to counties in Michigan, Pennsylvania, and New Jersey in January 2014, and Medicare made the enrollment bans statewide in all six states in July 2016.

A temporary moratorium lasts for six months, but CMS can renew it for a six-month period an indefinite number of times.

State Expansions

The expansion was largely designed to close up some loopholes in the earlier targeted moratoriums, and there has been no evidence it has reduced access to care, William Dombi, vice president for law at the National Association for Home Care & Hospice, told Bloomberg BNA.

The CMS expanded the temporary moratorium to states because the agency felt fraudulent companies were locating in nonmoratorium areas and serving patients in moratorium locations, Dombi said.

However, Dombi said, the expansion blocked companies that had been deep in the Medicare enrollment process from becoming fully certified.

Dombi said he’d heard some indications that the moratoriums have increased the market value of existing home health agencies, as they aren’t facing any competition from new providers.

Dombi is a Bloomberg BNA advisory board member.

Prior Authorization

Medicare overutilization was the driving force behind the creation of the moratorium, but a better solution to the problem might be prior authorization programs, AAA’s Werfel said.

Prior authorization programs require that providers contact the CMS and get coverage approval before offering any services.

Werfel said a demonstration prior authorization program for home health services has reduced Medicare usage. If it can become a full-time program, it could eliminate the need for the moratoriums, Werfel said.

The pre-claims review demonstration program for home health began in August 2016 in Illinois, and has since expanded to Florida, Texas, Michigan, and Massachusetts.

The demonstration program has faced significant pushback from Congress and the home health industry. A bipartisan group of 27 Florida lawmakers sent a letter to HHS Secretary Tom Price in late February arguing that the program would unduly burden home health providers and potentially harm patient access to care.

The NAHC’s Dombi has also urged the HHS to drop the demonstration program. Home health agencies in Illinois have reported up to a two-month backlog in paperwork under the demonstration program, he said.

A separate prior authorization program for nonemergency ambulance services began in December 2014 in South Carolina, New Jersey, and Pennsylvania and expanded to Delaware, the District of Columbia, Maryland, North Carolina, Virginia, and West Virginia in January 2016.

Scaling Back

The temporary moratorium has become a given for most home care providers practicing in Florida for several years, but the new leadership at the CMS might be willing to scale back the program to individual counties, Bobby Lolley, executive director of the Home Care Association of Florida, told Bloomberg BNA.

Most existing providers don’t believe it has limited their ability to grow and expand, Lolley said, but he knows of about a dozen HHAs that were on the cusp of enrollment when the moratorium was expanded and had spent a lot of money in preparation, only to be blocked from the Medicare program.

Lolley said he believed if the right group made a push to scale back the moratorium and target it better, Congress would listen. A seniors group, for example, could make the argument that the moratorium has stifled competition and that more HHAs are needed.

The baby boomer population in Florida is huge and could certainly use more home health agencies, particularly in the panhandle and in Jacksonville, Lolley said.

Original Source: https://www.bna.com/medicare-moratorium-new-n73014451646/

Original Author: James Swann

Original Date: May 30, 2017

BlueCross Medicare Advantage Quality Rewards Program Recognizes Primary Care Physicians For Superior Patient Care Outcomes

BlueCross BlueShield of Tennessee’s Medicare Advantage Quality Rewards Program recognized primary care physicians across the state for achieving exceptional patient care outcomes.

The program promotes improvement in quality and recognizes physicians for demonstrating an increase in quality measures over time. These health measures include preventive care, patient adherence with certain medications for treatment of chronic diseases and treatment support in specific areas, where a strong focus could lead to improvements in patient health.

“A review of the BlueCross Medicare Advantage STARS 2016 quality data shows that the following providers are excelling in caring for BlueCross Medicare Advantage plan members with outstanding supportive treatment and appropriate preventive care,” officials said.

The following 52 providers earned a 5 out of 5 Star rating. An additional 539 physicians received a 4 or 4.5 Star rating.

•           Indumeet B. Bal – Nashville
•           Ayrika L. Bell – Brentwood
•           Emily S. Burnham – Blue Ridge
•           Bradford L. Mitchell – Chattanooga
•           Nageswara R. Chunduru – Murfreesboro
•           Vivian M. Clark – Elizabethton
•           Michelle L. Davenport – Elizabethton
•           Wayne E. Moore – Mount Juliet
•           Jonathan T. English – Memphis
•           William A. Garrett Jr. – Johnson City
•           David P. Guthrie – Dyersburg
•           Anna K. Hopla – Martin
•           Jon C. Huebschman – East Ridge
•           Christopher E. Ingraham – Murfreesboro
•           Christopher D. Marshall – Parsons
•           William L. Martin II – Rutledge
•           Vicente Ortiz – Meadowview
•           Gibran B. Naddy – Columbia
•           Donald E. Robinson – Cleveland
•           Elaina D. Rodela – Cleveland
•           John D. Rudd – Smyrna
•           Pamela J. Sanders – Cookeville
•           Phillip A. Sherman – Union City
•           Wayne J. Stuart – Seymour
•           Amanda T. Moore Miller – Knoxville
•           Mark T. Weaver – Knoxville
•           Kayleigh M. Liton – Knoxville
•           James R. Landon – Knoxville
•           David J. Wasserman – Knoxville
•           Michael N. Wolff – Knoxville
•           Byron S. Cooke – Knoxville
•           Priyanka M. Gaikwad – Knoxville
•           Connie S. Nickelson – Knoxville
•           Kevin S. Toppenburg – Knoxville
•           Ahmad H. Altabbaa – Knoxville
•           Sung Yong Bae – Knoxville
•           Richard R. McBride – Knoxville
•           Steven J. Thompson – Knoxville
•           Phillippe Leveille – Knoxville
•           Phillip F. Mayette – Knoxville
•           Antonio L. Betanzos – Knoxville
•           Larry W. Cooke Jr. – Knoxville
•           Kendra L. Flowers – Knoxville
•           Niva Misra – Knoxville
•           Ernest Wong – Knoxville
•           Brandon W. Lancaster – Knoxville
•           Bimaje O. Akpa – Knoxville
•           Moses A. Swaucy – Murfreesboro
•           Stephanie J. Anderson – Memphis
•           Charles R. Tessier IV – Murfreesboro
•           Marcia D. Toppenberg – Greenville
•           James C. Wallwork – Columbia

“We are pleased to recognize these top performing Tennessee physicians, along with many other providers who are committed to giving their patients the highest quality care every day,” said Dr. J.B. Sobel, vice president and chief medical officer of Senior Products at BlueCross. “We are proud to partner with these doctors who remain focused on improving their patients’ health and their quality of life.”

For a full list of Tennessee providers participating in the Quality Incentive Program, visit bcbst.com.

Original Source: http://www.chattanoogan.com/2017/5/31/349030/BlueCross-Medicare-Advantage-Quality.aspx

Original Date: May 31, 2017

More Michigan Residents Can Qualify For Medigap Subsidy

LANSING, Mich. (AP) – More Medicare recipients in Michigan will qualify for subsidies to buy supplemental health insurance that covers their coinsurance and deductibles.

The Michigan Health Endowment Fund announced Monday it’s raising the eligibility threshold, starting in July.

Residents with annual incomes at or below 225 percent of the poverty level — or $26,730 for an individual and $36,045 for a couple — will qualify. The existing cutoff is 150 percent of poverty — $17,820 per individual and $24,030 per couple.

The monthly subsidy ranges from $40 to $125 depending one’s age and disability status.

It’s unclear how many residents will be helped by expanding the Medigap subsidy program. The health fund estimated previously that the current subsidy would help about 80,000 of 400,000 people with Medigap coverage.

Original Source: http://detroit.cbslocal.com/2017/05/15/michigan-medigap-subsidy/
Original Author: The Associated Press
Original Date: May 15, 2017

Comparing Medicare Supplemental Insurance Plans 2017

There are ten Medicare supplemental insurance plans that are available in almost all of the states. The policies are formulated in a little different way in Minnesota, Massachusetts, and Wisconsin. The names of the plans are after the alphabet like A, B, C, and so on. There are total ten plans and the first letters of the alphabet are used to represent them.

Medicare Part A: This part deals with hospital costs and the coinsurance. For the first sixty days of the hospital stay, all of the cost is paid by Medicare. It deducts $329/ day from the 61st day till the 90th day. The cost is fully paid from 90th day till 151st day, except for the deduction of $658 every day.

Medicare supplemental insurance plans A, B, C, D, F, G, K, L, M, and N pay for these set of costs.

Medicare Part B: This part deals with medically necessary doctors’ services. 80% of the costs of are paid for by Medicare. The remaining 20% is covered by optional supplemental insurance plans. Medicare Supplement Plan L pays for 75% of the costs of Medicare Part B while Plan K pays 50%. All of the other plans such as plan A, B, C, D,  F, G, M, N pay 100% of the cost in Part B.

1st three pints of Blood: All Medicare Supplement plans pay the cost of the first three pints of blood extra blood is covered by Plan K at 50% of the cost whereas Plan L covers 75%. The rest of the supplemental plans cover 100% of the cost benefit.

Part A: Coinsurance of Hospice Care: All supplemental insurance plans pay some part or all of the cost involved with hospice care. With all remaining plans hospice charges are paid by Medicare.  Plan K covers 50% and Plan L covers 75% of the costs. The rest of supplemental plans cover 100% of these cost provision.

Coinsurance of Nursing Facility: The nursing staff is directly related to the provision of the basic facilities and procedures to the patients including intravenous injections, intramuscular injections, and the physiotherapy. Medicare pays the cost of the skilled nursing facility for the first twenty days. From the 21st till 100th day, all the cost is provided except for $165 per day. The Medicare doesn’t pay beyond the 100th day of attainment of this facility. Plan A and Plan B do not provide the benefits of these services. The rest of the supplemental plans cover this aspect of nursing facilities to 100% as mentioned in the description.

Deductible (Medicare Part A): There is a deductible from the hospital stay. The amount as per the 2017 criteria is $1,316 dollars per stay.  This is covered at 50% with Plan K and Plan M and 75% with Plan L.  All other supplemental insurance plans are fully contributing their part in this aspect.

Deductible (Medicare Part B): This is the yearly amount that must be paid before any benefits of Part B such as doctor visits, treatment facilities, and other outpatient services. For the year 2017, the deductible amount is $183. Plan C and Plan F pay for the cost of this deductible.

Excess Chargers in part B: The excess charges include that amount which a health care professional charges above the amount set by the Medicare are covered by Plans G and Plan F by providing coverage for those excess charges.

Emergency Foreign Travel: This isn’t covered by Medicare and participants need to enroll in one of the plans C, D, F, G, M and N which cover 100% of this benefit.  A maximum sum of $50,000 dollars, 80% benefit is provided with a deductible of $250.

By comparing Medicare supplemental plans, the benefits they provide, and differences in each, you can purchase the plan that best suits your health care needs. Medicare supplemental plans can be bought from the private insurance companies.  These companies can sell Medicare supplement insurance plans in almost all of the states and offer the exact same policy.

Learn more about Medicare Supplemental Insurance plans, rates and more at http://www.emedicare-supplemental-insurance.com.  Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans.  To talk to an expert in Medicare coverage toll free 888.404.5049 today!

Comparing Medicare Supplemental Insurance Plans in Michigan

What is Medicare?

Medicare is a federal program that helps individuals covers their medical cost.  The program is dedicated to bringing health insurance primarily senior citizens and those individuals that meet certain Medicare requirements. There are a few Medicare programs available and each offers something different.  Medicare Part A and Part B are referred to as Original Medicare and Medicare Advantage Plans.

What are Medicare Supplemental Insurance Plans?

Supplemental plans are additional health insurance policies that you may purchase from private insurance companies that are authorized to sell them. These plans are designed to help cover the costs not covered under Original Medicare such as deductibles, healthcare outside the U.S.A, and co-payments. Supplemental plans do not cover long term care, or vision, dental, hearing aids, or private nursing. Only Medicare Plan D covers prescription drugs.

Who is Eligible for Medicare Supplemental Insurance?

Supplemental insurance is only available for individuals who have already subscribed to Medicare Part A, which covers hospital services, and Part B, which covers doctors cost. Individuals with Medicare Advantage plan are not allowed to take on any Medigap plan.

There is a range of Plans that Medicare participants in Michigan can choose from including:

Michigan Medicare Supplemental Insurance Plan A

Plan A is the most basic plan. It helps pay your coinsurance for Original Medicare and allows you to see any doctor that accepts Medicare insurance.

Features

  • Basic Benefits
  • Pays Part A Hospital Deductibles
  • Pays Part B Medical Deductibles
  • Allows you to see any doctor that accepts Medicare

Michigan Medicare Supplemental Insurance Plan C

Plan C covers more out of pocket expenses than Plan A but not as much as Plan F.  With this plan you will need to pay for Medicare Part B’s excess charges. You have the option to enroll in Plan C if you will are no longer be insured because you have qualified for Medicare.

Features

  • Most Benefits
  • Skilled Nursing
  • Emergency Care when Traveling Outside of the US
  • Covers Part A Hospital Deductibles at 100%
  • Covers Part B Medical Deductibles at 100%
  • Allows you to see any doctor that accepts Medicare

Michigan Medicare Supplemental Insurance Plan F

Plan F is a complete plan. It pays for most of the out of pocket costs you might face with Original Medicare. In addition, it includes the more benefits than any other supplemental plan.

Features

  • The most Benefits
  • Skilled Nursing
  • Emergency Care when Traveling Outside of the US
  • Covers Part A Hospital Deductibles at 100%
  • Covers Part B Medical Deductibles at 100%
  • Allows you to see any doctor that accepts Medicare

Michigan Medicare Supplemental Insurance Plan N

This helps you cover more out of your pocket costs than Plan A but it does not cover as much as Plan F.  With this plan you will have to pay a co-pay whenever you visit a doctor.   The cost can be up to $20 for each visit.

Features

  • Enhanced Benefits
  • Skilled Nursing
  • Emergency Care when Traveling Outside of the US
  • Covers Part A Hospital Deductibles at 100%
  • Plan B medical deductible, you pay $183
  • Allows you to see any doctor that accepts Medicare

Learn more about Michigan Medicare Supplemental Insurance plans, rates and more at  www.emedicare-supplemental-insurance.com/michigan-medicare-supplement-plans.  Our Michigan Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans in Michigan.  To talk to an expert in Michigan Medicare coverage toll free 888.404.5049 today!

Comparing Texas Medicare Supplement Insurance Plans

Texas is offering various Medicare supplemental insurance plans for those that qualify to enroll in Medicare. This makes the process of locating the ideal Medicare supplement plans for Texas Medicare participants easier. Medicare supplement plans in Texas help to help fill the gaps that are left from being enrolled in Medicare Part A and Part B alone. These plans were created to help individuals to cover Medicare supplement plans in Texas. It is important for individuals looking into supplemental insurance plans to know the premiums and yearly cost of each individual plan. The cost varies on location, current health condition, and age of the individual. Texas Medicare supplement plans are only offered to individuals who are enrolled in the original Medicare Part A and Part B not the Medicare Advantage Plan.

Learning about Medicare Supplement in Texas

If you are a Medicare beneficiary living in Texas and are enrolled in Medicare Part A or Part B of the Original Medicare plan, then you have the option to sign-up for Medicare Supplemental insurance also known as Medigap. These supplement plans are set in place to help individuals cover costs Original Medicare Part A and Part B do not cover. These plans help individuals to control their out of pocket costs which often include copayments, deductibles, and coinsurance.

There are around ten standard Medigap plans. They are identified by letters from Plan A to Plan N. These plans offer various benefits and rates. If you are a Texas Medicare beneficiary you can easily apply for a Medicare supplement policy. All you have to do is pick an insurance company that if offering Medigap insurance plans.

The best time to enroll is during your Medigap open enrollment period. This ensures that you will be accepted into the program. You are allowed to apply outside the enrollment period but there are some terms and conditions that apply along with additional costs.

How to choose the best Medicare Supplement Plan?

Insurance companies do not have to offer Medicare supplement plans so when you are looking for an insurance company to work with be sure they are offering the plan you wish to enroll in. Texas Medicare supplement plans are divided into parts but most companies only offer seven or eight options to choose from.

Medicare supplement insurance plans are comprehensive. Make certain you are completely aware of what you are getting in return. This allows you to make a budget conscious option which means you might be able to save on premiums and receive good coverage. If you wish, you have the option of Medicare SELECT, that allows you to be a participant if you like in a 30 mile radius of any participating hospital and you have agreed to being transported to that exact hospital for all your non-emergency elective admissions.

Comparing Texas Medicare Supplement Insurance Plans

Medigap plans are categorized in parts according to alphabet.  The premiums and availability of plans may vary from county to county. This is why we advise you to compare Medicare supplement plans and rates accordingly. This will help make sure that your health needs and budget are kept in mind. Make sure that you have collected plan details from insurance companies in your area in order to allow you to compare Medical supplement insurance plans in Texas on a even platform.

Learn more about Texas Medicare Supplemental Insurance plans, rates and more at www.emedicare-supplemental-insurance.com/medicare-supplement-plans-texas.  Our Texas Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans in Texas.  To talk to an expert in Texas Medicare coverage toll free 888.404.5049 today!

What is Medicare Supplemental Insurance?

Medicare is a federal health insurance plan and is being offered in Tennessee. The plan offers individuals supplemental insurance that help them cover various costs that are not covered by the Original Medicare Part A and Part B. These include costs such as deductibles, co-payments, and various out of the pocket expenses. These Medicare supplement plans are also referred to as Medigap plans and are specially designed to work alongside Original Medicare plan to help cover the extra costs the original plan does not cover.

There are a number of Medicare supplemental insurance plans in Tennessee that offer coverage that is not included in Original Medicare. Tennessee Medicare supplement plans are designed to ensure that each individual is offered as much insurance coverage as possible with their budget. Coverage can include hospice care in foreign countries, along with other benefits. If you are looking for Medicare supplement insurance in TN that covers prescribed drugs, you should consider Medicare Part D or MAPD (Medicare Advantage prescription drug plan).

Selecting Medicare Supplement Insurance in Tennessee

All insurance companies that provide Medicare Supplement plans in Tennessee do not offer all of the ten Medicare supplement plans that are available. Furthermore, the monthly payable premiums from the plan of your choice might vary from company to company. If you are simply looking for a lower monthly payment plan, it might cost you more out of pocket cost. When you sit down with your insurance provider be sure that you getting the benefits you need at a price you can afford. The easiest way to ensure that you are getting the best deal is by considering both variables when you sit down to compare the overall cost of the plan. These out of pocket costs could end up costing you way more than you might have anticipated. It is advised that you account each and every expense before you commit to a plan.

If you are interested in a Medicare Supplement plan in TN, then you must become aware of the different plans that are being offered in the State. Before you choose a company to purchase insurance from we advise that you take time to compare rates from several different insurance companies.  That way you will have more information at hand to make a well informed decision.

Try to gather all the information that you can from insurance providers and take a look at each plan and their details. Decided what plan that fits your health care needs and then check with various insurance providers regarding rates. This will help you gain all the information in order to allow you to choose the best company to work with keeping in mind the costs as well as the benefits. The cost of the plan you choose may vary from county to county which is why plan A from Montgomery County might offer a different premium than that offered in Shelby County.

Medicare Supplement Insurance Plans Simplified:

PLAN A: Offers basic benefits and no other service are covered. This is ideal for individuals that can cover both Part A and Part B deductibles, along with other hospital and medical expenses
Plan B, C, D, F, G, and N: Plans come with added 100% coverage for Part A hospital deductible, whereas, Plan M covers 50% of the Part A hospital deductibles

Plan C, D, F, G, M, & N: Plans come with skilled nursing coinsurance

Plan C, D, F, G, M, & N: offer $50’000 benefits that can be used for emergency medical care when outside the USA

Plan C & : offer benefits from the Part B deductibles.

Plan F & G: offer 100% coverage of Part B excess charges.

Learn more about Tennessee Medicare Supplemental Insurance plans, rates and more at www.emedicare-supplemental-insurance.com/tennessee-medicare-supplement-plans.  Our Tennessee Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans in Tennessee.  To talk to an expert in Tennessee Medicare coverage toll free 888.404.5049 today!

Finding Medicare Supplemental Insurance Plan in Arizona

What is a Medicare Supplement Plan?

There are a number of Arizona Medicare supplemental insurance plans individuals wishing to take part in them must be enrolled in Original Medicare Part A or Part B. When looking at Medicare in Arizona you need to remember that these plans are offered by various insurance agencies and you need to meet the requirements to be enrolled in Medicare. A Medicare supplement plan is also well known as Medigap.

These Medicare Supplement Plans in Arizona will help individuals cover their out-of-pocket costs including deductibles, copayments, and coinsurance, along with hospice and other additional hospital coverage. In Arizona Medicare supplemental insurance plans are not sold alone.  This is why the individual must be enrolled in the Original Medicare insurance plan. If an individual wishes to enroll in Medigap coverage they must also be enrolled in Original Medicare coverage.  Individuals not looking to enroll in Medicare Part A and Part B along with their supplement plans will find a Medicare Advantage plan to be a better option for their health care needs.

How do Medicare Supplement Plans Work in Arizona?

Individuals have the option to choose from various Medicare supplement plans Arizona. Medicare Plans are classified alphabetically and there are ten different plans to choose from.  When looking into Medicare in Arizona, keep in mind that each county offers different premiums and benefits.  It is ideal to check with Medicare insurance providers in the county that you reside in. The most common Medicare supplement plan used in Arizona is Medigap Plan F. This does not mean it is right for you.  To compare supplemental insurance plans and rates it is best to work with a broker.

If you wish to choose from Medicare plans Arizona, we advise that you start comparing plans and rates before you turn 65. As soon as you turn 65 there is a six month open enrollment period for Medicare Plans Arizona. During these six months enrollment is open. During this period companies are not able to charge the individual higher premiums or deny them coverage from available plans. Individuals should apply for a Medigap plan that is suitable for them.

Finding Medicare Supplemental Plans in Arizona

Plan coverage is varied between various Medicare supplement plans in Arizona. The cost of the plan can vary along with benefits of each plan. Keep in mind that the coverage will start to sound the same but you should look into the details of each plan. A well research in the beginning will help you save a lot of money in the long run. As you know the Medigap plan is designed to help individuals cover the gaps that are not covered by the Original Medicare plan, so when you are picking a Medigap plan you need to ensure that all your requirements are being covered and the plan fits your budget.

Keep in mind that this is a long term coverage option and you must crunch the numbers before you decide to commit to a plan. Once individuals have an idea of what they are looking for, they can look into various plans keeping in mind the plan type they require in addition to the cost of the plan. Look into each Medigap plan and familiarize yourself with the benefits that are offered with each plan.

Picking a Medicare Supplement Plan in Arizona

There are so many Medigap plans available in Arizona that one can easily be confused. This is why it is advised that each individual look into all of the plans before signing up for one. If you feel like you need help in choosing a plan that will fit your needs perfectly then you need to start browsing coverage options with the help of an online Medicare supplemental insurance broker.

Learn more about Arizona Medicare Supplemental Insurance plans, rates and more at www.emedicare-supplemental-insurance.com/arizona-medicare-supplement-plans.  Our Arizona Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans in Arizona.  To talk to an expert in Arizona Medicare coverage toll free 888.404.5049 today!

When Is The Best Time to Sign Up for Medicare Supplemental Insurance?

Are you currently enrolled in Original Medicare Part A and Medicare Part B?  If yes, you will notice that there are instances in your coverage where you must pay out of your pocket expenses. For example, coinsurance, copayments, and deductibles are some of the expenses that you must pay out of your pocket. This is where Medicare supplemental insurance comes in. Medicare supplemental insurance, also known as Medigap, works together with Original Medicare insurance coverage to help fill in some of the gaps. So, when is the best time to sign up for Medicare supplemental insurance cover?

When am I eligible for Medicare supplemental insurance coverage?

You are eligible for Medicare supplemental cover if you are already enrolled in the Original Medigap coverage Part A and Part B. However, if you are under the age of 65 and still have the original cover and are not suitable for the enrollment in Medigap supplemental coverage the law does not allow states to offer the supplemental cover to people below the age of 65 unless they have disabilities or certain medical conditions. Therefore your eligibility to Medicare supplemental coverage depends on the state you live in and the federal Medicare insurance plan you are enrolled in.

The best time to sign up for the Medicare supplement insurance coverage is during your open enrollment period.  This period starts on the first day of the month in which you reach 65 years or older and that you are enrolled in Medicare Part B. It is essential to point out that once the enrollment process has begun, it cannot be postponed, delayed, or replaced without paying a penalty for coverage.

Why it is important to buy a Medicare policy during the enrollment period?

Medicare supplement insurance brokers are allowed to use medical underwriting to decide who is eligible for the Medicare cover and how much they should charge for the policy. However, during the open enrollment period the insurance service provider cannot deny you the following:

  • It cannot refuse to sell to sell to you any Medicare policy it offers.
  • The insurance company cannot charge you a higher premium than it charges other customers who are eligible for the cover.
  • It cannot by any means delay or postpone your cover.

Remember, if your open enrollment period elapses without you signing up for the Medicare supplement insurance plans, you may not be able to enroll in the Medicare supplemental plan as easily as you would have done during open enrollment. Without the guaranteed issue privileges, you might be subjected to medical underwriting and may even be charged overpriced premiums based on your health condition.

Learn more about Medicare Supplemental Insurance rates, plans and more at http://www.emedicare-supplemental-insurance.com.  Our expert Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans.  To talk to a Medicare expert call toll free 888.404.5049 today!

 

A Detailed Look into Medicare Part A and Part B

What is Medicare?

Medicare refers to a health insurance plan that covers those who have attained the age of 65 years and above or those below the age of 65 years and have certain disabilities that qualify them for coverage. Medicare is divided into a few different categories. Below we will look at Medicare part A and Medicare Part B in greater detail.

Medicare Part A (Hospital Insurance)

Medicare Part A is hospital insurance that specializes in catering for those seeking inpatient care services in hospitals. In addition to that, it also caters for home health care and hospice care provided you are eligible. It covers patients who are 65 years old and older, must be American Citizens, disabled patients with Amyotrophic Lateral Sclerosis, ESRD or those who get disability benefits from the Railroad Retirement Board or Social Security for a period not less than 25 months.  Medicare Part A works favorably for those who meet the mentioned eligibility requirements.

  1. How much does a Medicare Part A coverage cost?

Although some people are required to part with a monthly premium of about $411, those who have paid Medicare taxes for a minimum of 10 years are exempted.

  1. Can a late enrollment for Medicare Part A be penalized?

It is important to enroll for Medicare Part A when you hit the age of 65 years without failure. People who qualify for free Part A coverage are not penalized. Failure to enroll for Part A after attaining the age of 65 years can attract an increment of up to 10% on your monthly premium rate. The more you delay to enroll for Medicare Part A the higher the premium. For instance, anyone who delay buying Part A for 2 years from when they are first eligible for the cover, have to part with an extra 10% monthly premium for a maximum of 4 years. Citizens who enroll for Part A during a Special Enrollment Period are exempted from penalties.

Medicare Part B (Medical Insurance)

This is a medical Insurance plan that covers essential medical services that are not covered by Part A. Some of these significant services include; Outpatient care, preventive services, and doctors’ services among others. Although Medicare Part B is optional, those without it cannot sign up for Part coverage. The general enrollment period for Part B is from 1st January to 31st March but coverage is only effective from 1st July that same year.

  1. How much does a Medicare Part B coverage cost?

The cost of Medicare Part B was standardized in 2016 to $121.80 monthly premium. However, this coverage cost can either increase or decrease yearly depending on the government. Those interested in finding up-to-date premium charges should not hesitate to visit Medicare.gov for more information.

  1. Is it possible to buy Medicare Part B if I don’t have Part A?

In most cases, you need Part B to qualify for Part A coverage. Nevertheless, you can sign up for  Part B without buying Part A if you are a US citizen, have a permanent immigrant residency legal permit, have lived in the U.S for at least 5 years before signing up for Part B coverage

Remember late Medicare Part B sign up can attract a late enrollment penalty for prolonged periods.  It is important to sign up for coverage as soon as you qualify!

Learn more about Medicare Supplemental Insurance plans, rates, and more at http://www.emedicare-supplemental-insurance.com.  Our expert Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance plans and rates.  To talk to a Medicare expert call toll free 888.404.5049 today!