All You Need To Understanding on Medicare Supplemental Insurance

Medigap plans helps to take care of the costs that basic Medicare plans fail to cover. This is why most people refer to it as Medicare supplemental insurance plans. Medicare supplemental insurance brokers offer services that help individuals find the plan with the best coverage for them as well at the best rate.  Most people tend to confuse Medicare Advantage and Medicare supplemental insurance plans. Medicare supplemental insurance plans supplements your present Medicare insurance Part A and Part B; while Medicare Advantage is a complete Medicare package and does not require supplemental insurance.

How are Medicare supplemental insurance plans Unique?

  • For one to qualify for Medicare supplemental insurance plan, they have to have enrolled for the basic Part A and Part B Medicare insurance cover.
  • Medicare policies only cover one person. To cater to the needs of multiple people separate insurance policies must be purchased.
  • Before you procure this type of insurance from an insurance company, make sure that they are indeed licensed Medicare supplemental insurance providers. This will save you from any fraudulent future issues.
  • You will pay Medicare insurance companies a monthly premium for coverage. Take note that this premium is separate from what you pay for Medicare. Failure of payment of this premium leads to the cancellation of the supplemental insurance plan.
  • A person cannot be a holder of both a Medicare supplemental insurance plan and Medicare Advantage. Enrollees will have to choose between the two. If you are already a holder of the advantage plan, then it would be advisable to go ahead and apply for the supplemental services, but make sure that the Medicare Advantage plan is not in existence when the supplemental insurance plan begins.
  • As long as you pay your premium, the Medicare supplemental insurance plans will renew annually, regardless of your health issues.
  • You can legally appeal if you fail to agree with the terms of the Medicare plan.
  • The more you earn the more premium you pay. Medicare Plan B and Medicare Plan D of the supplemental plan offer higher premiums for people whose income is above a certain threshold. This means that the payment of premiums does not apply holistically; this is due to its analysis of your tax exemption interests.
  • Medicare supplemental insurance plans fail to cover a few medical issues such as private-duty nursing, long-term care, procurement of eyeglasses, hearing aids, and dental or vision care.
  • For those who have a Medicare Medical Savings Account (MSA), they should not be holders of the supplemental plan. Any broker, who opts to sell to you this plan while your MSA plan is still in existence, is liable under the law.

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 rates and plans.  To talk to a Medicare expert call toll free 888.404.5049 today!

Understanding Medicare Supplement Plans in Arizona

Medicare supplement plans within Arizona are in place for individuals who need additional coverage to offset the gaps within Original Medicare. Individuals may enroll in a Medicare supplemental insurance plan, also referred to as Medigap, which fits their personal health care needs and budget requirements.  Arizona Medigap plans are purchased to help cover the holes that are created from having Original Medicare.

When an individual turns sixty five they qualify to receive Medicare benefits.  Medicare is a federally sponsored insurance plan to help ensure that health care is available to seniors.  Individuals have a six month period in which to enroll in Medicare and subsequently a Medicare supplemental insurance plan.   In order to enroll in Medigap insurance an individual participant must be taking advantage of both Medicare Part A and Medicare Part B.

Medicare Plans Arizona

Medicare supplemental plans in Arizona are available through numerous insurance companies.  Many individuals looking at plans will look work with Medicare supplement insurance broker to do a side by side comparison of plans and rates.   These supplement insurance plans help individuals who are currently enrolled under Part A and Part B, otherwise known as Original Medicare. There is a range of plans that help individuals cover costs such as coinsurance, copayments, deductibles, and many out-of-pocket costs that individuals see with enrollment in Original Medicare. The number of Medigap plans available to you will depend on the county within Arizona that you reside.  A Medicare supplemental insurance broker can help you identify what plans are available to you today using just your zip code.

Our federal government has ten approved Medicare supplemental insurance plans for sale in Arizona.  The plans are labeled alphabetically from A to N.  Some plans including E, H, I, & J are no longer available for purchase however individuals currently participating in one of the four may continue to keep theirs.

The one thing that is standard in the Medicare system is that no matter which state you are purchasing a supplemental insurance plan you can guarantee it is the exact same policy and coverage that is purchased elsewhere.  Medicare supplement plan A purchased in Arizona is the same exact policy that an individual in Michigan is also purchasing.

The most basic plan available is supplement plan A.  With this policy you receive Medicare Part A & Medicare Part B preventative coinsurance as well as three pints of blood.  The most expansive supplemental plan, plan F, includes all the benefits found in plan A, skilled nursing, Part B excess, Part A & B deductibles, as well as overseeing emergency care services.  In order to determine the best level of coverage for yourself it is important to consider your lifestyle, genetic predisposition, retirement benefits, current medical conditions, and budget.

Although private insurance companies are required to offer the same uniform policies throughout the United States it does not mean that the premiums they charge will remain the same.  Moreover, it is important to note that not all insurance companies will offer all of the plans.  Some insurance agencies only cover a number of plans and county locations within the state of Arizona.  This is why many individuals choose to work with an online Medicare supplemental insurance plan broker to first compare plans and rates available to them before seeking out a private insurer.

Learn more about Arizona Medicare Supplemental Insurance plans, rates and more at http://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!

2017 Medicare Supplement Plans in Michigan

What is Medicare?

Medicare is a federally sponsored insurance health program for individuals who are 65 and above, younger individuals with disabilities, and individuals suffering from End-Stage Renal Disease such as ESRD (permanent kidney failure, that requires dialysis). There are various kinds of Medicare supplement plans and each of them offers a different range of services. The best Medicare supplement plan is chosen according to the situation the enrollee is both financially and medically.

Medicare Insurance Plans MI

Medicare supplement plans are available through various health care providers and can be purchased through private insurance companies that are Medicare approved.  Companies offer a variety of supplement plans in Michigan.   It is important to note that although Medicare rates may depend on the county in which you reside the coverage with Medicare supplemental plans is the same no matter where it is purchased.  Medicare plan A bought in Livingston County offers participants the same exact coverage that plan A bought in Chippewa County.

Medicare supplemental insurance is designed to help enrollees cover coinsurance, deductibles, and copayments that are left from enrolling in only Medicare Part A and Medicare Part B.  Once you have chosen the perfect Medicare plan both your Medicare plan and supplemental insurance plan will help pay for medical expenses. This helps lower out of pocket costs while offering enrollees peace of mind that their health insurance needs are being met

Here is a brief description of some of the plans that are available in Michigan & the coverage provided by the different plans:

Plan A Coverage

  • Part A coinsurance coverage for an entire year and additional days after are covered for the individual after Medicare Benefits run out
  • Part B coinsurance coverage
  • Hospice coinsurance
  • Three pints of blood every year

Plan C Coverage

  • Hospital deductible for inpatient services
  • Part A coinsurance coverage for an entire year and additional days after are covered for the individual after Medicare Benefits run out
  • Part B coinsurance coverage
  • Hospice coinsurance
  • Three pints of blood every year
  • Emergency care needs when travel abroad – 80% of the cost will be covered in a case of emergency (in the first 60 days of your trip). After that period has passed you will have to pay $250 deductible, and will be subjected to a $50’000 lifetime maximum; if the coverage is provided in the U.S., it will be covered by Medicare.

Plan F Coverage

  • Hospital deductible for inpatient services
  • Part A coinsurance coverage for an entire year and additional days after are covered for the individual after Medicare Benefits run out
  • Skilled nursing coinsurance
  • Medicare Part B deductibles and coinsurance
  • Hospice coinsurance
  • Emergency care needs when travel abroad – 80% of the cost will be covered in a case of emergency (in the first 60 days of your trip). After that period has passed you will have to pay $250 deductible, and will be subjected to a $50’000 lifetime maximum; if the coverage is provided in the U.S., it will be covered by Medicare.
  • Excess to Part B – the entire excess charge that comes above Medicare’s reasonable charge (in case the medical provider refuses to accept Medicare) as it is subjected to State and Federal mandate limit.

Learn more about Michigan Medicare Supplemental Insurance plans, rates and more at http://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!

Tennessee Medicare Supplement Plans

Medicare supplement plans also known as Medigap insurance is designed specifically to help individuals covered by Original Medicare. These plans are designed in a way that they will help individuals fill the gaps left by Medicare Part A and Medicare Part B. More than 164,000 people in Tennessee are enrolled in a Medicare supplemental insurance plan. Enrollees wishing to participate in the Medicare supplement insurance program within TN must be a Tennessee resident that is enrolled in Medicare Part A and B. This automatically qualifies them for Medigap. The best way to go about applying for Medicare Part is to enroll as soon as you have turned 65 years old otherwise you run the risk as you get older that the Medicare supplement policy premiums will drastically increase.

When is the best time to enroll for Tennessee Medicare Supplement Plans?

Medicare in Tennessee is simple to enroll in.  As soon as you turn sixty five and for six months after you can choose to enroll in Medicare Part A and Part B as well as supplemental insurance plan A through N.   Medicare supplemental insurance plans A through N offer a variety options in coverage.  Therefore it is necessary for Medicare participant to compare plans and rates, choosing the one that best fits the health care and budget needs of the individual.

Currently the state of Tennessee offers ten different supplemental insurance plans to choose from.  Each of the ten plans offers some basic benefits while others offer a set amount of a percentage of basic benefits.

  • Medicare Supplemental Insurance Plan A: All basic benefits are offered
  • Medicare Supplemental Insurance Plan B: All basic benefits covered in Plan A and Part A’s deductible
  • Medicare Supplemental Insurance Plan C: All basic benefits, along with skilled nursing, Part A and Part B deductible, and foreign emergency coverage
  • Medicare Supplemental Insurance Plan D: All basic benefits, along with skilled nursing, Part A deductible, and foreign emergency coverage
  • Medicare Supplemental Insurance Plan F of F Prime: All basic benefits, plus skilled nursing facility, Part A and Part deductible, foreign emergency coverage, and 100% Part B excess
  • Medicare Supplemental Insurance Plan G: All basic benefits, skilled nursing facility, Part B excess 100%, Part A deductible, and foreign emergency cost coverage
  • Medicare Supplemental Insurance Plan K: 50% basic benefits, 100% hospitalization and preventative care, nursing facility, 50% Part A deductible, and out of pocket expenses will be limited to $4,640
  • Medicare Supplemental Insurance Plan L: 75% of basic benefits, 100% preventive and hospitalization, 75% of skilled nursing, 75% of Part A deductible, out of pocket expenses $2,320
  • Medicare Supplemental Insurance Plan M: 100% Plan B co-insurance, basic benefits, co-insurance of skilled nursing facility, 50% of Part A deductibles, and foreign travel emergency
  • Medicare Supplemental Insurance Plan N: All basic benefits, 100% Plan B coinsurance (except for office visits where the individual is required to pay $20 per visit), $50 per ER visit, co-

Learn more about Tennessee Medicare Supplemental Insurance plans, rates and more at http://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!

Popular Medicare Supplemental Insurance Plans in Texas for 2017

Medicare supplemental plans, also known as Medigap, is an addition service that Original Medicare enrolled individuals can enroll in to fill in coverage gaps. There are various Medicare supplemental insurance plans to choose from.  After some research individuals can choose the perfect Medicare Supplement Plan in Texas for their health care and budget needs. Texas Medicare supplement plans may vary from county to county.  It is ideal that participants check to determine what service providers within the county they reside are offering.

What are the Medicare Supplemental Insurance Plans?

Medicare is a national health insurance program, designed for people over the age of 65, along with younger individuals that suffer from permanent kidney failure. Supplemental insurance is coverage that is offered separately that works in conjunction with Medicare to fill in any voids in coverage that are potentially needed.

Medicare Supplement Plans Available In Texas

Original Medicare comes in two parts, Medicare Part A, and Medicare Part B. Part A covers hospital insurance and Part B covers medical insurance. Medicare Part A helps you pay for hospital care, skilled nursing, home health, and hospice care. While Medicare Part B helps in paying doctor bills, outpatient hospital fee and other medical services that aren’t included in Part A.

When looking for Medicare Supplement Plans in Texas, there are a number of things that enrollees need to consider. As per 2017 Texas Medicare Supplement Plans have undergone a few changes. The Medicare Supplement Plans in Texas vary as each insurance provider offers different plans; individuals must pick a plan according to their needs. One important thing to note is that no matter what state or county a certain plan is purchased the coverage that is offered remains the same; Medicare supplemental insurance Plan A in Texas is exactly that same as it is in Michigan.

What Medicare does not cover?

It does not cover all healthcare costs.  Even when enrolled in both Medicare Part A and Part B there are some out of pocket expenses that are left to be covered by the participant. Here is a list of the expenses participants are left to cover on their own or with supplemental insurance.

Expenses Not Covered By Medicare

  • Hospital deductible of Part A
  • Deductibles of Part B
  • A co-payment plan for hospital stays of more than 60 days
  • Skilled nursing after the first 20 days
  • 20% of coinsurance for medical expenses and doctors bills

Learn more about Texas Medicare Supplemental Insurance plans, rates and more at http://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!

Using a Medicare Supplemental Insurance Broker

Medicare supplemental insurance plans cover most of the cost aspects that the original Medicare plan doesn’t fulfill. The original Medicare plans don’t cover coinsurance, copayments, and deductibles. In these situations the coverage obtained through supplemental insurance plans comes into play to fill in the coverage void. These plans are bought from private insurance companies which are most often found by comparing plans and rate options with a supplemental insurance broker.

Medicare supplemental insurance broker:

A medical supplemental insurance broker will provide you with the details of each plan.  They fill participants in on the advantages, disadvantages and find a plan option that best fits the enrollee’s needs both financially and medically. A Medicare supplemental insurance broker helps participants find all the data and cost so that the enrollee will not have to go through the laborious process of individually researching each plan as well as individual plan rates per insurance provider.  In many states Medigap brokers aren’t allowed to charge for their services. They are paid separately from each individual insurance company.

An insurance broker vs. the insurance agent:

There is often a bit of confusion between an insurance broker and an insurance agent.  Insurance agents are the individuals who act on behalf of one insurance company.  Brokers work with a number of private insurance companies.  An insurance agent can only offer the products and services that are offered by their company whereas a broker works an insurance company from many to find the best coverage at the most affordable rate.

Medicare supplemental insurance plan broker:

The services of the Medigap agent and the Medigap broker are different from each other. Medicare supplemental insurance brokers help individuals find the supplemental plan that best fits their need and a company that offers it at the most affordable rate.  They can do this because they are not specifically linked to working for a single insurance company.  This is a huge advantage of working with a Medicare supplemental insurance broker.  All Medicare supplemental insurance policies are the same no matter who they are purchased through.  Plan D through Blue Cross is the same exact policy as Plan D as Assurant.

Using a Medicare supplemental insurance broker ensures that participants get the plan that meets their health care needs provided by an insurance company that is selling it at the most affordable rate.  Since they represent a number of insurance companies they offer a non-bias approach at choosing a Medicare supplemental insurance plan new enrollees.

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!

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!