Health and Medicare for all

Health and Medicare for all

There is much talk and there are many proposals to replace private health insurance with Medicare for Everyone (M4A). While the idea that everyone has health coverage without having to buy an insurance policy seems extremely appealing, there are several issues that people should understand. The government takes on large programs (i.e. the Affordable Health Care Act) usually results in a program 10% more effective than intended.Current proposals appear to eliminate private insurers in favor of a government-operated program. There are several issues to consider, such as availability of care, quality of care, and cost.Some insurers are making use of deep pockets to take advantage of digital technologies to change the way they work and:

Offer new models and customized products to meet changing customer expectations based on online retail sales models, Partner with technology players to ensure they keep up with emerging technology trends and leverage the Internet to adopt sensors or connected devices to collect data to prevent loss and employ better property and accident pricing methods, life as well as health insurance.  To learn the plans best for you click here

Establish a cybersecurity strategy to protect the confidential personal and business data stored by them and to comply with privacy regulations.The Internet of Things is upon us, at a conference of telemedicine, IoT, and telehealth technologies, using portable devices such as EKG & ECG monitors and playing a key part in the tracking of vital medical statistics to avoid or control chronic diseases and provide virtual patient care, raising satisfaction of customer in the process.

Portable devices allow patients to be monitored instantly, avoiding having to admit them in a hospital. Virtual care is set up to allow older people to stay at home, even when their health is controlled to detect any signs of deterioration.Countries with large populations with limited access to providers are turning to telemedicine, even with waiting times for medical appointments and Medicaid acceptance rates continue to increase year after year.Adopt cloud computing, artificial intelligence and automation to improve speed and flexibility and resolve claims faster to deliver better customer satisfaction,

Make use of advanced analytics to gain strategic insight and plan proactively for future gain and businesses offering a competitive advantage.Attempt the use of block chain technology to add decentralized, secure data collection, “smart” contracts, processing, and dissemination to your processes. Are these strategic initiatives sufficient to enable adopting companies to enjoy industry and market leadership and ultimately success? What resources are needed for insurers to prepare to meet industry demands, channel expansion or business model development as they evolve?

How to Get Back on Your Motorcycle Insurance Company in 10 Easy Steps 2

How to Get Back on Your Motorcycle Insurance Company in 10 Easy Steps 2

Think of it this way … Do you have a health/medical/hospitalization plan through work or an association you belong to?

So why do you pay premiums for medical coverage/hospitalization on your motorcycle insurance policy?

This is what happens when you inform the auto insurance company or agent that “you do not want hospitalization / medical coverage”. You will hear very clever “smotorcyclee tactics” to help you change your mind.

The insurance company employee will say, “Well, if you have an accident and it’s your fault, who will cover the medical bills of the passengers injured in your motorcycle?”

Here is your answer. Your family is already covered by your health / hospitalization plan. If someone is in the motorcycle and gets injured, they will be covered by the personal injury liability coverage they are already paying … and their own health / hospitalization plan.

So go ahead, save more money and eliminate this coverage.

STEP 8: Cancel death, dismemberment and vision loss.

Do you have any of these coverages on your current motorcycle insurance policy? In this case, cancel them.

And if it’s your first time buying motorcycle insurance or if you want to get multiple motorcycle insurance quotes, don’t let anyone convince you!


because these toppings are an absolute waste of money. Most of these optional coverages are simply “glorified” life insurance policies, with ridiculous provisions and terribly expensive premiums. If you need life insurance, convert it into a separate insurance policy.

STEP 9 – Cancel the extras

Do you have “Roadside Assistance” or “Motorcycle Rental Refund” on your policy? In this case, cancel them.

And again, if you are a first time insurance buyer or get some auto insurance quotes, do not worry about these coverages.

Because they are so expensive, they rarely use and limit what they can and cannot do you can visit

For example, the “refund for some rental motorcycles” coverage is almost $ 100 per year for each vehicle in your policy. So if you have two motorcycles, you’ll spend almost $ 2,000 on motorcycle rental coverage over the next 10 years and probably never use it. And roadside assistance? The tranquility it offers is trampled by the premiums that motorcycle insurance companies want for this coverage. Roadside assistance is a good idea. But use AAA for a cheaper solution.

STEP 10 – Complete comprehensive and collision coverage on vintage motorcycles.

If you have a vintage motorcycle, I mean one that is worth less than $ 2,000 in bulk (the amount a dealer would give you if you changed it) cancel any Collision and Full Coverage you have or reject that option when buying a fee. Motorcycle insurance  And so. If an 8-year motorcycle and a new motorcycle have identical damage, the repair cost for both will be identical, even if the 8-year motorcycle is worth next to nothing.

Medicare 2012 Options After Annual Enrollment

Medicare 2012 Options After Annual Enrollment

Congress is constantly changing programs financed with our tax dollars, and Medicare is no exception. Last year, significant annual enrollment dates for Medicare beneficiaries changed from October 15 to December 7. During this time, his government allowed him to change from one Medicare Advantage plan to the next; participate in the Original Medicare plan and a Part D plan for the first time; or choose a Medicare supplement plan and a Part D plan. All changes took effect on January 1.

Now that the annual enrollment dates are historic, health insurance options are limited but not eliminated. From January 1 through February 14, your government allows you to abandon your Medicare Advantage policy if you are not satisfied and return to Initial Medicare and choose a Part D plan or join a Medicare Advantage Five Star plan if you have one in your country. Five Star Medicare Advantage plans are few and far between, but if you have one in your area, you have until November 30, 2012 to join one.

Please note that if you end Humana Medicare Advantage plans after January 1 and exceed the six-month period, you may have to meet the medical subscription requirements of the chosen Medicare Supplement company. Medicare supplement policies help pay for some of the health care costs that Medicare does not cover. You have a six-month open Enrollment Period, which begins in the first month that you are 65 and are enrolled in Part B. During that time, you have the guaranteed right to purchase any available Medicare Supplement policy. in your state, regardless of your health status. However, once this period has begun, it cannot be postponed or replaced.

If you are 65 years of age or older in Medicare, you have seven months (3 months before to your month of birth, the month you were born, and 3 months after your month of birth) to enroll in Medicare Part A and Part B without being vulnerable to pain. If you are disabled, you can join Medicare three months before or three months after the twenty-fifth month of disability.

Although January 1 has already passed, you still have some options, but you should consider them very carefully, since your state of health is frontal and central. If you are beyond the open six-month period and have significant health problems, it may be better to have a minimally acceptable health plan than any health plan. Under these conditions, you must remain in your current plan until the next annual enrollment period. However, if you have a five-star plan in your area, do so.

An introduction to Medicare in the United States

An introduction to Medicare in the United States

In the United States, medical care can be incredibly expensive and, in many cases, only more expensive with age and for those who have pre-existing conditions. Since the 1990s and 1960s, the federal government has been providing assistance to the elderly through the Medicare Program, which is a type of socialized health insurance, significantly increasing the number of seniors insured in the United States. Medicare is an insurance program administered by the federal government with the main objective of providing health insurance to people over 65. It is part of the Social Security program and was first created in 1965.

The main requirements for receiving Medicare is that the person is over sixty-five years old and has legally resided in the United States for at least five years. While the recipient, or their spouse, pays the Federal Health Care System for at least ten years as part of payroll taxes, only a limited monthly premium may be required. Otherwise, if the insured has not paid the payroll taxes, he will have a higher monthly premium.  While the main intention is to provide affordable medical care for the elderly, other people are also covered by Medicare. For example, people with disabilities may qualify for Medicare, especially if they have advanced kidney disease or Lou Gehrigs.

Medicare benefits can be quite extensive and can cover many conditions and instances. For example, most medical appointments and emergency care are covered, as are glasses, canes and wheelchairs, which are considered durable medical equipment. Of course, there are some restrictions on all these items, and in some cases a copayment is required. As an example, although assisted living is often covered, the nursing home must meet federal guidelines and be classified as a qualified center.

In the past twenty years, private insurance has also entered the Medicare industry, with alternatives to the federal health care program available. These plans, called Medicare Advantage Plans, must comply with various federal regulations and are funded by the federal government, but the current program is administered by private insurance companies.

Medicare Advantage plans may offer some advantages, but it is important to be careful when choosing one and compare your plans with what traditional Medicare provides. Although they must comply with federal guidelines, they have room to choose how to comply; therefore, they may have a higher premium for something like extended nursing care, while offering cheaper prescription drugs. Another recent change for Medicare is better prescription drug coverage. Before 2006, Medicare prescription drug coverage left a lot to be desired and, as a result, a law was passed to extend care. Medicare beneficiaries can now request a private prescription drug plan designed to cover the cost of most prescription drugs.

Learn What Long Term Care for Medicare Insurance Is

Learn What Long Term Care for Medicare Insurance Is

Long-term care for Medicare is a very scare situation in reality, because in many cases, Medicare does not pay for it. To understand this, it is imperative to comprehend the implication of what is considered long-term care in the eyes of the law.

This term talk about various types of services extended to people with chronic illnesses or disabilities, and requires long-term care. Most people with a disease or disability require a combination of medical and other kinds of care. Non-medical care is for routine activities such as bathing, dressing, eating and moving, while medical care is for medical treatment and therapy. Most older people require this type of care as they get older. It is important to plan this so that they can buy this health insurance because Medicare does not cover these expenses.

What Medicare covers

Medicare long-term care is a misnomer, because in most cases, Medicare doesn’t allow it. Although you can provide medical treatment to a person in a hospital, nursing facility or home health care, it does not cover the costs of non-medical care. Meanwhile, these rewards are available in certain cases for people who have Medicare Advantage Plan or Medicare Part C if there is evidence that the patient requires such care.

Medicaid long-term care

The program offered by the federal government and individual states, called Medicaid, offers coverage for long-term care. The details of coverage, eligibility, and services provided differ from state to state, but in general this only applies to seniors who have assets and income below a specific level. To find out if you are eligible for this, you must contact the administrative authorities of your state.

Long term personal care insurance

Especially if you care for a disabled loved one, it is important that you look for disability insurance. This is even more critical if your income and assets are not huge enough to qualify for the Medicaid policy. The fewer alternatives that can meet your needs include long-term care:

Insurance from a private insurance company

This is quite expensive, but it costs less when purchased at an earlier age.

Change a current life insurance plan as there are certain health insurance companies that offer this option. Understanding that this is not an option available to most people is the first step in planning. Once you realize this, you can make appropriate plans to cover expenses so that you are not surprised when the need arises suddenly.

The Difference Between Medicare Advantage and Medicare Supplemental Insurance

The Difference Between Medicare Advantage and Medicare Supplemental Insurance

Medicare is the national social insurance administered by the US government. UU It was created in 1965. Americans aged 65 and over are guaranteed access to medical care through this program. However, younger people with disabilities or those in the late stages of kidney disease are covered by Medicare. Medicare benefits fall into four categories as follows:

  • Part A – hospital coverage
  • Part B – Medical coverage
  • Part C: Medicare Advantage Plans
  • Part D – prescription drug policy

The Part A plan insures any required hospitalization, while Part B insures visits to the physician and also any medical equipment the patient may require. Consequently, there are loop holes in these coverage that may be insured by a Medicare Advantage plan or a Medicare supplement policy.

Private companies offer plans that work with Medicare and usually include prescription drug coverage. They may be HMO, PPO or private services, but will not affect you negatively despite receiving the benefits of Medicare. Secondary health coverage policies that relate to Medicare insurance are referred to as Medicare Supplements. Also they are referred to as federally standardized “Medigap” policies. As with best Medicare Advantage plans, Medicare supplements also function with Medicare. Both types of plans are similar to each other in certain respects, but there is also a considerable difference between them and many different options. They offer additional coverage to your current Medicare; however one of the main discrepancies is that Medicare Advantage fees are generally less than Medicare supplement policies. These include benefits and prescription drug coverage that the original Medicare does not have. The fees out-of-pocket are also higher.

There are some services which Medicare supplements do not include and there are no network of providers with supplemental plans while Advantage plans exist. Although there are provider networks, you will pay additional costs for leaving this provider network. Another significant difference between Advantage and supplemental insurance is that Advantage plans limit the times of year that you can enroll in one of your plans. In contrast, supplemental plans allow you to sign up by visiting  whenever you want throughout the year. Finally, you must have Medicare Parts A and B to enroll in Medicare Advantage and Medicare supplemental plans. More information on any of the plan types is available on the Medicare official website. You should talk to a licensed professional from an independent coverage broker before taking any decision.

How to choose among the best Medicare Advantage plans

How to choose among the best Medicare Advantage plans

As you approach 65, you may not be satisfied with your growth, but there are some good benefits that await you. He has worked all his life to get Social Security and Medicare, and now is the right time to start reaping the rewards. While these are great benefits, they also bring a lot of challenges and one of such challenges is to choose the right Medicare Advantage plans 2020.Now, the entire Medicare policy was rebuilt several years ago and it seems that there are still many people totally impressed with its operation. For example, there are parts A, B, C and D, and many people are very confused that they cannot take advantage of what the government offers. So, if you currently have Medicare, you should know what Medicare Benefit Plans can do for you.

These are the programs you can get instead of basic Medicare and there are advantages and disadvantages. For example, with Medicare, you will be stuck with drug costs, but with Medicare Advantage Plans, you should cover a lot of that. Meanwhile, when you select an Advantage plan, it may be limited to the doctors and medical centers that you can consult.In addition to having a prescription plan literally included in Medicare Advantage plans, they can also sometimes have dental and vision care, depending on the program you receive. It is important to keep in mind that while these features are partially funded by the Medicare government plan, there will always be some cost to you each month, although not as high as you would pay if you decided on a Medicare supplement plan.

People who are not really picky about the doctor they visit and who also want the convenience of having prescription drugs and medical care in the same plan generally choose Medicare benefit plans. In general, they are much easier to handle in terms of documentation and the total cost to the customer is much less than in a complementary plan. On the other hand, you can still run out of money for some expenses, so it is certainly not a free trip all your life. Since this is an extremely different program from standard medical insurance, you should talk to your insurance agent or use the Internet to combine several programs. The important thing is to discover that the value of premiums is really very low and that is exactly why Medicare is capturing almost all expenses.

Medicare Advantage plans offer a short open enrollment

Medicare Advantage plans offer a short open enrollment

Medicare Advantage plans are another way to receive Medicare benefits. The Medicare Advantage plans 2020 of Medicare substitute the original Medicare Part A and B benefits covered by a private insurance company. Most Advantage plans offer additional coverage to be competitive. For example, many help with dental services, glasses, hearing aids and prescription drugs, while Medicare makes no exceptions. Help if you develop cataracts.

One of the big selling points behind the growth of Medicare Advantage enrollment is low premiums. In some areas, there are plans that cost nothing more than Medicare Part B awards. Another major attraction is that Medicare benefit plans accept all health problems, except end-stage renal disease (ESRD).There are some things you should understand about these plans before enrolling. Most plans only cover non-emergency care through your own list of doctors and hospitals. Because Medicare Advantage plans replace Medicare coverage, you will not have any Medicare coverage if you are in need of an out-of-network physician.

Each best Medicare Advantage plan defines its own regulation, however, everyone must comply with Medicare guidelines. All Advantage plans must also provide coverage that is equal to or better than Medicare. To ensure you can obtain the medical care that you need, check the list of physicians and the prescriptions a plan will pay before you enroll.It is rare for health insurance to offer trial periods, but that is exactly what you can do with dozens of different Medicare benefit plans. Apply before December 15 and, if you change your mind, you can return to Medicare between January 1 and February 14 of next year.

Medicare Advantage plans have a special “try it” period

In fact, this is the only time you can try one of the Medicare Advantage (MA) plans after the initial application period when you qualified for Medicare. This is an annual event where you can evaluate the type of MA plan that you have obtained from the dozens of options presented by different insurers and insurance companies. If you miss this opportunity, you could end up paying more and getting less coverage than you expected.

Depending on where you live, you can find many more options among MA plans than Medigap Insurance plans. Except you reside in Massachusetts, Minnesota or Wisconsin, then you will find just 10 Medigap policy options. The states mentioned above have their unique version of Medigap plans. This year, the open applications were moved to an earlier period to complete and complete them well before the end of the year. Beneficiaries are now informed that their benefits will begin on January 1.

How Obamacare’s $700 Billion Cut Will Impact Medicare

How Obamacare’s $700 Billion Cut Will Impact Medicare

In August 2012, the presidential candidate Governor Mitt Romney was offended by the $700 billion drug cuts of President Obama. Although Senate Vice President Paul Ryan of Wisconsin has stated that Medicare must be transformed and policies to cut $700 billion in future Medicare expenses, Obamacare would cut about $716 billion over a 10-year period. So now there is much speculation about how the $700 billion cuts in Obamacare will affect Medicare. To get Obamacare to pass, President Obama proposed $ 700 billion in extremely arbitrary general cuts. The Medicare plan quotes can be found on which provide guidance on Medicare plans for patients will have reduced reimbursement rates for their services, regardless of how badly or how well these medical and health services are treated. About $ 160 billion in cuts in Medicare Advantage policies will also be incurred in the next decade. This means that by 2017, seniors will pay almost $ 4,000 more for medical care.

Worse, it has been estimated that this increase in health care costs will eliminate approximately 4 million seniors from all Medicare Advantage policies during the six-year period, beginning in 2012 and ending in 2018. Hospital payment rates will also be It would reduce dramatically as a result of these cuts in Obamacare. According to the main actuary of the program, these cuts may compromise the access of any older person to medical care.In addition to the above, it has been estimated that 15% of all assisted facilities and hospitals will no longer receive Medicare patients in the future to avoid potentially huge financial losses as a result of the payment of Medicare premium rates. In addition, it is speculated that 25% of these institutions will no longer be part of the Medicare program after 2030.

According to Charles Blahous, a Stanford University researcher specializing in national economic policy research, the Medicare care-related Medicare cuts will not be used as a replacement for the Medicare reward trust funds. The reality is that the money from these cuts will pay a great expansion in the spending on rights. Then another question arises. Where will those $ 700 billion cuts in Medicare come from? A part of them will come from the strict and restrictive control of medical billing procedures. However, the worst part of this scenario is how older people will suffer these cuts. With so many of them now living on fixed incomes, this can be financially disastrous in the long term.