Health Pricing Boot Camp August 10-11, 2009 Session 1b: Medicare Coverage for the Aged and Disabled
|
|
- Diana Stewart
- 8 years ago
- Views:
Transcription
1 Health Pricing Boot Camp August 10-11, 2009 Session 1b: Medicare Coverage for the Aged and Disabled Charles P. Miller, FSA, MAAA
2 Introductions Daniel W. Bailey, FSA, MAAA Ingenix Consulting Russell D. Willard, ASA, MAAA Actuarial Director Humana, Inc. Chuck Miller, FSA, MAAA Principal and Consulting Actuary Milliman, Inc. 1 August 5, 2009 SOCIETY OF ACTUARIES Antitrust Notice for Meetings Active participation in the Society of Actuaries is an important aspect of membership. However, any Society activity that arguably could be perceived as a restraint of trade exposes the SOA and its members to antitrust risk. Accordingly, meeting participants should refrain from any discussion which may provide the basis for an inference that they agreed to take any action relating to prices, services, production, allocation of markets or any other matter having a market effect. These discussions should be avoided both at official SOA meetings and informal gatherings and activities. In addition, meeting participants should be sensitive to other matters that may raise particular antitrust concern: membership restrictions, codes of ethics or other forms of self-regulation, product standardization or certification. The following are guidelines that should be followed at all SOA meetings, informal gatherings and activities: DON T discuss your own, your firm s, or others prices or fees for service, or anything that might affect prices or fees, such as costs, discounts, terms of sale, or profit margins. DON T stay at a meeting where any such price talk occurs. DON T make public announcements or statements about your own or your firm s prices or fees, or those of competitors, at any SOA meeting or activity. DON T talk about what other entities or their members or employees plan to do in particular geographic or product markets or with particular customers. DON T speak or act on behalf of the SOA or any of its committees unless specifically authorized to do so. DO alert SOA staff or legal counsel about any concerns regarding proposed statements to be made by the association on behalf of a committee or section. DO consult with your own legal counsel or the SOA before raising any matter or making any statement that you think may involve competitively sensitive information. DO be alert to improper activities, and don t participate if you think something is improper. If you have specific questions, seek guidance from your own legal counsel or from the SOA s Executive Director or legal counsel. 2 August 5, 2009
3 Welcome to Seattle! Things to do places to see: Pike Place Market Space Needle/EMP Waterfront Safeco Field (Seattle Mariners) Pioneer Square Duck Tours Street Car to Lake Union Monorail to Seattle Center 3 August 5, 2009 Medicare Coverage for the Aged and Disabled Presented by Chuck Miller Milliman, Inc. Principal & Consulting Actuary August 10, 2009
4 Agenda Medicare Timeline Eligibility/Covered Population The ABCD s of Medicare Benefits Provider Reimbursement Funding Supplemental Coverage Medicare Advantage (Part C) Part D 5 August 5, 2009 Medicare: A Timeline of Key Developments 1965: President Johnson signed into law Medicare and Medicaid Programs Former President Truman is the first to enroll Part A Deductible: $40 Part B Premium: $3 July 1, 1966: Coverage begins All persons aged 65 and over automatically covered for Part A 19 million beneficiaries enrolled 1972: Nixon signed the Social Security Amendments of 1972 Eligibility extended to the disabled and ESRD populations 6 August 5, 2009
5 Medicare: A Timeline of Key Developments (cont.) 1982: TEFRA Increased Part B deductible to cover 25% of program costs TEFRA authorized Medicare HMOs Set payments to cover 95% of FFS costs Goals: create incentives to manage care more efficiently and save Medicare money 1997: BBA created the Medicare+Choice program Goals: reduce spending, minimize variation in payments by county, give seniors more choice Created new plans: local PPOs and PFFS 7 August 5, 2009 Medicare: A Timeline of Key Developments (cont.) 2003: Medicare Moderization Act (MMA) Renamed the program Medicare Advantage Authorized regional PPOs and SNPs Modified and increased payments to plans 2006: Part D program implemented 2008: Part A Deductible: $1,024 Part B Premium: $96.40 (higher if income exceeds $85,000) Total Medicare Beneficiaries: 44.8 million Medicare Advantage Enrollment: 9.4 million Total Medicare Spending: $444 billion 8 August 5, 2009
6 people age 65 or older, people under age 65 with certain disabilities, and people of all ages with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant). 9 August 5, 2009 The Medicare Population Currently, 44 million beneficiaries some 15 percent of the U.S. population are enrolled in the Medicare program. Enrollment is expected to rise to 79 million by Only one in 10 beneficiaries relies solely on the Medicare program for health care coverage. The rest have some form of supplemental coverage to help with medical expenses. Approximately 7.3 million are eligible due to disability and 205,000 are eligible as a result of End-Stage Renal Disease (ESRD) 10 August 5, 2009
7 Characteristics of the Medicare Population, 2007 Percent of total Medicare population: Income less than 200% FPL 3+ chronic conditions 46% 44% Cognitive/mental impairment Fair/poor health Less than high school education 26% 29% 29% Under-65 disabled 2+ ADL limitations Age % 17% 15% Long-term care facility resident 4% NOTES: ADL is activity of daily living. The federal poverty (FPL) threshold for people age 65 and over was $10,210/individual l and $13,690/couple in SOURCE: Income data from US Census Bureau, Current Population Survey published on statehealthfacts.org; ; all other data from Kaiser Family Foundation analysis of the CMS Medicare Current Beneficiary Survey 2007 Access to Care file. 11 August 5, 2009 Small Percentage of Beneficiaries Account for a Large Portion of the Total Cost 12 August 5, 2009
8 The ABC s of Medicare Part A: Hospital Insurance Inpatient hospital Skilled nursing facility Home health Hospice Part B: Supplementary Medical Insurance Outpatient hospital Physician drugs and biologicals that cannot be self-administered PT/OT/ST Durable medical equipment (DME) Ambulance service 13 August 5, 2009 Medicare Benefits Part A (2009) 14 August 5, 2009
9 Part A Basics Eligibility Entitlement begins automatically at age 65 if also eligible for Social Security benefit Also eligible if entitled to Social Security disability If age 65+ and not eligible for Part A, can voluntarily enroll Funding Payroll tax Federal Hospital Insurance (HI) Trust 2.9% total, split evenly between employer and employee Federal Hospital Insurance (HI) Trust running out of $$ Member premiums (very few members pay a premium) Taxes on Social Security Benefits Interest Income Trust funded projected to be insufficient in August 5, August 5, 2009
10 17 August 5, 2009 The ABC s of Medicare Part A: Hospital Insurance Inpatient hospital Skilled nursing facility Home health Hospice Part B: Supplementary Medical Insurance Outpatient hospital Physician Drugs and biologicals that cannot be self-administered PT/OT/ST Durable medical equipment (DME) Ambulance service 18 August 5, 2009
11 Medicare Benefits Part B (2009) 19 August 5, 2009 Part B Basics Eligibility Voluntary Program Pay monthly premium ($ $308.30, depending on income) Individual is eligible for enrollment in Part B program if the individual is entitled to Part A benefits or has attained the age of 65 and is (a) a resident of the United States and is (b) either a citizen of the United States or permanent resident Funding Supplementary Medical Insurance (SMI) Trust Pay monthly premium ($ $308.30, depending on income) Covers 25% of expenses General Revenues and Interest Income Covers 75% of expenses SMI Trust rebalanced each year so won t run out of $$ 20 August 5, 2009
12 21 August 5, 2009 How Are Providers Reimbursed? Provider Reimbursement = Prospective Payment System Inpatient Diagnostic Related Groups (DRG) Case Rates Outpatient Ambulatory Payment Classification (APCs) Physician Resource Based Relative Value Scale (RBRVS) Units x Conversion Factor = Payment Rate Other Fee Schedules Lab, DME, etc. 22 August 5, 2009
13 Supplemental Coverage Medicare Supplement / MediGap Standardized packages (A-L, 12 options) that fill in the gaps and provide additional benefits, administered by private companies All Medigap plans must cover certain basic benefits (Plan A) Medicare Part A Coverage: Coinsurance for hospital days ($267 in 2009) and Coinsurance for each day ($534 in 2009) (up to 60 days in your lifetime) Cost of 365 extra hospital days in your lifetime, once you've used all Medicare hospital benefits Medicare Part B coverage: Generally, all coinsurance and copayment amounts after you meet the $135 (in 2009) yearly deductible for Medicare Part B The first three pints of blood Plans B-L offer additional coverage Part A deductible, Part B deductible, SNF, preventive care, etc. 23 August 5, August 5, 2009
14 The ABC s of Medicare Part A: Hospital Insurance Part B: Supplementary Medical Insurance Part C: Medicare Advantage (MA) Program Direct contracts with health plans to provide coverage Part D: Prescription Drug Program Prescription Drug Plans (PDPs) Competitive bids to provide prescritpion drug only coverage MA-PD Plans (Medicare Advantage + Prescription Drugs) Each contracted organization must provide drug coverage 25 August 5, 2009 Part C Plan Types Coordinated Care Plans HMO with or without point of service (POS) Provider Sponsored Organization (PSO) PPO (local or regional) Special Needs Plan Private Fee-for-Service Plan MSA high deductible plan and contribution to Medical Savings Account Religious Fraternal Benefit Plan 26 August 5, 2009
15 Part C Basics Benefits MA organization must provide members with all original Medicarecovered services (Parts A and B), except hospice. All benefits must be health-related offered uniformly to all members priced in the bid filed with CMS mentioned in marketing vehicles MA plans typically offer benefits much richer than FFS Medicare Funding Health Plans contract directly with CMS (Centers for Mediare and Medicaid Services) to take full Part A and B risk Benchmark payment rates published by county Payment rates are risk adjusted Annual bids due the 1 st Monday of June 27 August 5, 2009 Medicare Advantage Enrollment 28 August 5, 2009
16 Medicare Advantage Marketplace Over 11 Million Covered by MA-PD Plan in % of total beneficiaries in MA Plans Nine states with 30+% enrollment Eleven states with <10% enrollment Half of all MA enrollees live in six states CA, FL, NY, OH, PA, and TX Enrollment rates are substantially higher in urban than in rural counties 2009 Plan Type Enrollment (Millions) Local HMO 6.9 Local PPO 0.9 Regional PPO 0.4 PFFS 2.4 MSA/Cost/Other 0.5 Total August 5, 2009 Part D Basics Eligibility Entitled to benefits under Part A and enrolled in Part B Lives in a Part D plan service area Voluntary Enrollment Plan Types Standalone PDPs MA-PDs (e.g., HMOs, PPOs) Funding Medicare Prescription Drug Account Member premium (2009 National Average approx. $30/month) General Revenues and Interest Income Payments from states for their dual eligibles Additional cost of enhanced benefits responsibility of the member 30 August 5, 2009
17 If YOU think Part D is confusing 31 August 5, Defined Standard Part D Benefit 32 August 5, 2009
18 Part D Coverage Sources 33 August 5, 2009 Thank You! Chuck Miller Milliman (Seattle) (206) chuck.miller@milliman.com 34
Medicare (History and Financing)
Medicare (History and Financing) Note: Please pay attention to dates on slides and data; CMS has discontinued the publication of some valuable figures and these are occasionally referenced for prior years.
More informationIntroducing OneExchange.
RETIREE BENEFITS Introducing OneExchange. OneExchange provides you with plan advice and enrollment assistance to choose Medicare supplemental healthcare and prescription drug coverage that s right for
More informationMaking the most of Medicare
Making the most of Medicare S5743_102714_K04_RE Internal Approval 10/27/2014 Today s Topics What is Medicare Who s eligible Medicare coverage Options to fill coverage gaps When you can enroll Finding the
More informationGeneva Association 10th Health and Aging Conference Insuring the Health of an Aging Population
Geneva Association 10th Health and Aging Conference Insuring the Health of an Aging Population November 18, 2013 Diana Dennett EVP, Global Issues and Counsel America s Health Insurance Plans (AHIP) America
More informationMedicare Basics and Medicare Advantage
Medicare Basics and Medicare Advantage Medicare The federal health insurance program for people age 65 and over, some disabled people under 65 years of age, and people with End-Stage Renal Disease (permanent
More informationMEDICARE 101 A Webinar presented by Keenan & Associates and Kaiser Permanente
MEDICARE 101 A Webinar presented by Keenan & Associates and Kaiser Permanente Sylvia Weathers Service Consultant Keenan & Associates Nancy C. Voltero Retiree Programs Consultant Kaiser Permanente License
More informationAssembling the Puzzle. Welcome!
Assembling the Puzzle Welcome! Thank you for joining us. The webinar will start momentarily. If you have not yet dialed in to the audio portion of the webinar, please click on Info Tab above, and follow
More informationWhat s Medicare? What are the different parts of Medicare?
Revised June 2015 What s Medicare? Medicare is health insurance for: People 65 or older People under 65 with certain disabilities People of any age with End-Stage Renal Disease (ESRD) (permanent kidney
More informationA Conversation About Medicare Part A, B, C and D
Please take this moment to convert the display to Full Screen A Conversation About Medicare Part A, B, C and D www..com A Conversation About Medicare Part A, B, C and D www.healthcaremedicalpharmaceuticaldirectory.com
More informationNapa County. Medicare Advantage Plans. (Medicare Part C Plans) Compliments of HICAP. (Health Insurance Counseling and Advocacy Program)
2015 Napa County Medicare Advantage Plans (Medicare Part C Plans) HICAP Volunteer Counselors are available to help compare health plans in an objective and unbiased manner. They can help consumers understand
More informationFACT SHEET Medicare Advantage (Part C): An Overview (C-001) p. 1 of 5
FACT SHEET Medicare Advantage (Part C): An Overview (C-001) p. 1 of 5 Medicare Advantage (Part C): An Overview Medicare Advantage is also known as Medicare Part C. A Medicare Advantage (MA) plan is an
More informationWhat s a Medicare Advantage Plan?
Revised April 2015 What s a Medicare Advantage Plan? You can get your Medicare benefits through Original Medicare, or a Medicare Advantage Plan (like an HMO or PPO). If you have Original Medicare, the
More informationGAO MEDICARE ADVANTAGE. Relationship between Benefit Package Designs and Plans Average Beneficiary Health Status. Report to Congressional Requesters
GAO United States Government Accountability Office Report to Congressional Requesters April 2010 MEDICARE ADVANTAGE Relationship between Benefit Package Designs and Plans Average Beneficiary Health Status
More informationMedicare has four components, Part A, Part B Part C and Part D:
Medicare What is Medicare? Medicare is a National Health Insurance Program for people 65 years of age and older Certain persons with disabilities under the age of 65 People with end stage renal disease
More informationMedicare: Who, What, When, Where
Medicare: Who, What, When, Where 1. Who administers Medicare? The Centers for Medicare and Medicaid Services (CMS), a part of the Department of Health and Human Services (HHS), administers the Federal
More informationMedicare a PriMer 2009
Medicare A Primer 2009 Medicare: A Primer January 2009 INTRODUCTION Established in 1965, Medicare is a social insurance program, like Social Security, that provides health and financial security for individuals
More informationMedicare Explained (For the rest of us!) A plain English version
Produced by & Not affiliated with any Government Agency A Brief History of Medicare Medicare is a national social insurance program, administered by the U.S. federal government since 1965, that guarantees
More informationMedicare 101 What is the difference between Medicare and Medicaid? What is Medicare Part A? What is Medicare Part B? What is Medicare Part C?
Medicare 101 What is the difference between Medicare and Medicaid? Medicare is a national health insurance program administered by the federal government that provides health insurance coverage to most
More informationWhat s Medicare? What are the different parts of Medicare?
Revised June 2014 What s Medicare? Medicare is health insurance for: People 65 or older People under 65 with certain disabilities People of any age with End-Stage Renal Disease (ESRD) (permanent kidney
More informationMedicare: Humana s Strategic Actuarial Positioning John M. Bertko, F.S.A., M.A.A.A.
Medicare: Humana s Strategic Actuarial Positioning John M. Bertko, F.S.A., M.A.A.A. Vice President and Chief Actuary Humana Inc. 1 Cautionary Statement This presentation is intended for instructional purposes
More informationWhat is Medicare? The Different Parts of Medicare
Medicare and You The Different Parts of Medicare A Medicare Part A Hospital Insurance Inpatient care at hospitals, skilled nursing facility*, hospice and home health care. What is Medicare? Medicare is
More informationThe Federal Employees Health Benefits Program and Medicare
The Federal Employees Health Benefits Program and Medicare This booklet answers questions about how the Federal Employees Health Benefits (FEHB) Program and Medicare work together to provide health benefits
More informationMedicare 2014. Medicare 101 Agenda
Medicare 2014 What s Important in 2014 Medicare 101 Agenda What is Medicare? How do I enroll? When can I sign up? What if I am still working? What does Medicare cost? Let s talk about Medicare Coverage
More informationOverview Medicare Program Basics. Part 1
Overview Medicare Program Basics Part 1 Version 9.0 June 22, 2015 Terms and Conditions This training program is protected under United States Copyright laws, 17 U.S.C.A. 101, et seq. and international
More informationGuide to Medicare MEDICARE BASICS. Presented by
Guide to Medicare MEDICARE BASICS Presented by 14 Medicare Basics What Is Medicare? Medicare is health insurance for the following: People 65 or older People under 65 with certain disabilities People of
More informationMedicare Benefits. As of 2012, approximately 50 million people were Medicare beneficiaries.
Medicare Benefits Medicare is the federal health insurance program for people age 65 and older, and those of all ages with certain disabilities, End-Stage Renal Disease (ESRD), or Lou Gehrig s disease
More informationAnswer: A description of the Medicare parts includes the following:
Question: Who is covered by Medicare? Answer: All people age 65 and older, regardless of their income or medical history are eligible for Medicare. In 1972 the Medicare program was expanded to include
More informationMedicare Factsheet What is Medicare? Original Medicare (Part A and Part B) Medicare Advantage Plan (Part C) Prescription Drug Plans (Part D),
Medicare Factsheet If you are enrolled in Medicare, you do not need to do anything with Covered California. If you have Medicare you are covered. No matter how you receive your Medicare benefits, whether
More informationI wanted to understand the Medicare program basics. This presentation really helped.
Welcome to Medicare 101! I wanted to understand the Medicare program basics. This presentation really helped. What is Medicare? What benefits does Medicare cover? What benefits doesn t Medicare cover?
More informationWhat Federal Employees Need to Know About Their Health Insurance and Medicare
What Federal Employees Need to Know About Their Health Insurance and Medicare Federal employees have been paying the Medicare Part A (hospital insurance) payroll tax since Jan. 1, 1983. That means all
More informationMedicare Supplement (Medigap) Coverage for Medicare Beneficiaries
Medicare Supplement (Medigap) Coverage for Medicare Beneficiaries Brian Webb Manager, Health and Life Policy Nat l Assoc. of Insurance Commissioners February 6, 2009 Original Medicare Created in 1965,
More informationCHAPTER 4 MEDICARE. Introduction. Supplementary Medical Insurance Part D
CHAPTER 4 MEDICARE Medicare by the Numbers (2007) Part A: Total Beneficiaries Elderly beneficiaries Disabled beneficiaries Total Income Hospital Insurance Part A Supplementary Medical Insurance Part B
More informationWhat is Medicare / Medicaid?
Your MNT login register home opinions forum contact us news categories: a - b c - d e - g h - l m - o p - r s - z home» medicare / medicaid / schip» all about medicare» what is medicare / medicaid? What
More informationIt s Time for Medicare
It s Time for Medicare med-waageinbook-1214 Medicare What you need to know. You re turning 65. Or you re already 65 and getting ready to retire and lose your healthcare coverage. You re almost ready for
More informationChapter 5. Medicare Parts A, B, C, and D
INTRODUCTION In this chapter we will discuss the federal Medicare program. Enacted in 1965, the Medicare program is Title XVIII of the Social Security Act. Medicare is a federal health program that provides
More informationWelcome! Medicare Advantage. Elderplan Advantage Institutional Special Needs Plan
Elderplan Advantage Institutional Special Needs Plan 1 Welcome! Goals for today: To give you an overview of Medicare Advantage Works To give you a sense of the role of ISNP in an SNF To provide a description
More informationWhat is a Medicare Advantage Plan?
CENTERS FOR MEDICARE & MEDICAID SERVICES What is a Medicare Advantage Plan? A Medicare Advantage Plan (like an HMO or PPO) is a way to get your Medicare benefits. Unlike Original Medicare, in which the
More informationUnderstanding your. Medicare options. Medicare Made Clear TM. Get Answers Series. Y0066_120629_084915 CMS Accepted
Understanding your Medicare options. Medicare Made Clear TM Get Answers Series Y0066_120629_084915 CMS Accepted learning about Medicare Choices. Eligibility Coverage options When to enroll Next steps and
More informationMEDICARE. Understanding the basics of the Medicare Program.
MEDICARE 101 Understanding the basics of the Medicare Program. Table of Contents 01. 05. 13. 17. 25. 29. The History of Medicare What is Medicare? Who is Eligible? Medigap Plans Medicare Advantage (MA)
More informationBayCrest Insurance Services, 1275 S. Winchester Blvd., B, San Jose, CA 95128 Allan S. Eckmann. Medicare 2014
BayCrest Insurance Services, 1275 S. Winchester Blvd., B, San Jose, CA 95128 Allan S. Eckmann What is Medicare? Medicare 2014 Medicare is a Health Insurance Program for: * People age 65 or older * People
More informationMedigap Insurance 54110-0306
Medigap Insurance Overview A summary of the insurance policies to supplement and fill gaps in Medicare coverage. How to be a smart shopper for Medigap insurance Medigap policies Medigap and Medicare prescription
More informationHow to be a smart shopper for Medigap Insurance
info sheet Medicare is the basic federal health insurance for older persons and for younger people with disabilities. Because Medicare has gaps in coverage, many people also buy a Medigap policy to supplement
More informationCoverage Basics. Your Guide to Understanding Medicare and Medicaid
Coverage Basics Your Guide to Understanding Medicare and Medicaid Understanding your Medicare or Medicaid coverage can be one of the most challenging and sometimes confusing aspects of planning your stay
More informationMEDICARE BASICS WHAT TO KNOW AND WHAT TO EXPECT WITH MEDICARE
MEDICARE BASICS WHAT TO KNOW AND WHAT TO EXPECT WITH MEDICARE AGENDA What is original Medicare? The A, B, C, and D s of Medicare Enrollment periods Medicare Advantage star rating system Where you can find
More informationHow Medicare Works. Helping you make the most of Medicare. MedicareBlue SM Rx (PDP) S5743_101415_B02_RE Internal Approval 11/12/2015
How Medicare Works Helping you make the most of Medicare 2016 MedicareBlue SM Rx (PDP) S5743_101415_B02_RE Internal Approval 11/12/2015 About Medicare Whether you re new to Medicare or want a refresher,
More informationEmployer Insurance & Medicare
Employer Insurance & Rights Center The Rights Center is a national, notfor-profit consumer service organization that works to ensure access to affordable health care for older adults and people with disabilities
More informationChoosing a Medigap Policy:
CENTERS FOR MEDICARE & MEDICAID SERVICES 2010 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare This official government guide has important information about the following:
More informationMEDICARE ADVANTAGE HEALTH PLAN OPTIONS
MODULE 5: MEDICARE ADVANTAGE HEALTH PLAN OPTIONS Objectives Below are the topics covered in Module 5, Medicare Advantage (MA) Health Plan Options. This module will help to ensure that HIICAP counselors
More informationFor issues on or after June 1, 2010, Medicare Supplement Basic Benefit Plans A, B, C, D, F, G, M, and N coverage includes:
1. What are the basic benefits on a Medicare Supplement Policy? For issues on or after June 1, 2010, Medicare Supplement Basic Benefit Plans A, B, C, D, F, G, M, and N coverage includes: a.) First 3 Pints
More informationYour complimentary Medicare Guidebook
Learn Protect Assess Enroll Your complimentary Medicare Guidebook About this Guidebook If you or someone you care for is new to Medicare or will be soon, this Guidebook will help make Medicare easier to
More informationMedicare Advantage: The overlooked cornerstone of healthcare reform
Medicare Advantage: The overlooked cornerstone of healthcare reform June 8, 2013 Grace-Marie Turner Galen Institute Medicare: Still basically the 1965 model A social insurance program to help pay for hospital
More informationYour complimentary Medicare Guidebook
Learn Protect Assess Enroll Your complimentary Medicare Guidebook Learn Original Medicare... 4 Medicare Prescription Drug Coverage.............. 6 Medicare Supplement Insurance... 8 Medicare Advantage...
More informationMedicare Factsheet. September 2, 2015 Page 1 of 6
Medicare Factsheet If you are enrolled in Medicare, you do not need to do anything with Covered California. If you have Medicare you are covered. No matter how you receive your Medicare benefits, whether
More informationHow To Buy A Medigap Policy
CENTERS FOR MEDICARE & MEDICAID SERVICES 2009 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare This official government guide has important information about the following:
More informationClick this button to place your order.
Medicare 33rd Edition 2016 What you need to know about Medicare in simple, practical terms. Click this button to place your order. 2016 MEDICARE CONTENTS 1 2 3 4 5 6 Published By PAGE INTRODUCTION Are
More informationHow To Get A Health Insurance Plan From Ctf
Overview of Health Insurance Options for Medicare-Eligible Members The following pages offer general descriptions of the types of plans offered to CTPF retirees who are eligible for and maintain active
More informationAN OVERVIEW OF THE MEDICARE PROGRAM AND MEDICARE BENEFICIARIES COSTS AND SERVICE USE
AN OVERVIEW OF THE MEDICARE PROGRAM AND MEDICARE BENEFICIARIES COSTS AND SERVICE USE Statement of Juliette Cubanski, Ph.D. Associate Director, Program on Medicare Policy The Henry J. Kaiser Family Foundation
More informationMedicare. Overview. Entitlement and Coverage
Medicare The following are brief summaries of complex subjects. They should be used only as overviews and general guides to the Medicare and Medicaid programs. The views expressed herein do not necessarily
More informationMedicare Advantage 101. Michael Taylor, PhD Medicare Advantage Branch Manager Centers for Medicare & Medicaid Services Atlanta Regional Office
Medicare Advantage 101 Michael Taylor, PhD Medicare Advantage Branch Manager Centers for Medicare & Medicaid Services Atlanta Regional Office Objectives General Overview of Medicare Advantage CMS 5 Star
More informationKaiser Permanente Guide to Medicare Basics
Kaiser Permanente Guide to Medicare Basics The National Medicare program, which was created in 1965, has given people peace of mind and the security of knowing they ll have access to health coverage. Medicare
More informationPrivate Fee-For-Service ----- Beneficiary Questions and Answers
Private Fee-For-Service ----- Beneficiary Questions and Answers 1. What Is a Private Fee-For-Service Plan? A Private Fee-For-Service plan is a Medicare Advantage health plan offered by a private insurance
More informationEvidence of Coverage:
January 1 December 31, 2016 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Advantra Silver (HMO) This booklet gives you the details about
More informationHealth Coverage with More Choices
Health Coverage with More Choices Get ready for a different approach to health coverage with flexibility to choose a plan that fits your needs. This brochure explains the health coverage for Medicare-eligible
More informationHealth Coverage and Concerns Facing Older Women
Health Coverage and Concerns Facing Older Women Alina Salganicoff, Ph.D. Vice President and Director Women s Health Policy Kaiser Family Foundation Figure 1 Women comprise the majority of Medicare enrollment
More informationMedicare Advantage: The Basics
: The Basics Gretchen Jacobson, Ph.D. Associate Director, Program on Policy Kaiser Family Foundation Monday, June 10, 2013 Exhibit 1 More than one quarter of beneficiaries are enrolled in a private plan
More information2016 Medicare Supplement Pre-Enrollment Kit
2016 Medicare Supplement Pre-Enrollment Kit Coverage underwritten by HNE Coverage Insurance underwritten Company, by an HNE affiliate Insurance of Health Company, New England, affiliate Inc. of Health
More informationEvidence of Coverage. H8067_C_EOC_0915 CMS Accepted/File & Use 9/28/2015
2016 Evidence of Coverage For more recent information or other questions, please contact Provider Partners Health Plan at 1-800-405-9681 or, for TTY users, 711, from 8 a.m. to 8 p.m. Monday through Friday,
More informationREPORT. A Primer on Medicare. March 2015 KEY FACTS ABOUT THE MEDICARE PROGRAM AND THE PEOPLE IT COVERS
REPORT A Primer on Medicare March 2015 KEY FACTS ABOUT THE MEDICARE PROGRAM AND THE PEOPLE IT COVERS This primer was prepared by Juliette Cubanski, Christina Swoope, Cristina Boccuti, Gretchen Jacobson,
More informationMedicare At A Glance. State Health Insurance Assistance Program (SHIP)
2015 Medicare At A Glance Indiana 2015 State Health Insurance Assistance Program (SHIP) Who runs the Medicare Program? The Centers for Medicare & Medicaid Services (CMS) is the Federal agency that runs
More informationUPDATED: NOVEMBER 2009 344.1 RESOURCES THIRD PARTY RESOURCES
UPDATED: NOVEMBER 2009 344.1 NOTE: Enrollment in Medicare is a condition of eligibility for Medicaid. Beginning in 2006, persons entitled to Part A and/or enrolled in Part B are eligible for the prescription
More informationWisconsin Guide to Health Insurance for People with Medicare
Wisconsin Guide to Health Insurance for People with Medicare 2015 For more information on health insurance call: MEDIGAP HELPLINE 1-800-242-1060 This is a statewide toll-free number set up by the Wisconsin
More informationJohn R. Kasich, Governor Mary Taylor, Lt. Governor/Director. OSHIIP Medicare Advantage Update Webinar
John R. Kasich, Governor Mary Taylor, Lt. Governor/Director OSHIIP Medicare Advantage Update Webinar Session Topics This session will help you to Define Medicare Advantage (MA) Plans Explain eligibility
More informationSolutions for Today Flexibility for Tomorrow.
Solutions for Today Flexibility for Tomorrow. Medicare Products and Services For More Information call our Senior Care Specialist, Raun Lynch at 856.380.5079 Or visit us on the web at www.cbdi-inc.com
More informationMEDICARE 101. Medicare 101. presented by Fairfax County s Virginia Insurance Counseling and Assistance Program (VICAP) 2015. Medicare 101 6/9/2015 1
MEDICARE 101 presented by Fairfax County s Virginia Insurance Counseling and Assistance Program (VICAP) 2015 6/9/2015 1 What Is Medicare? A health insurance program for people 65 years of age and older
More informationWelcome to Medicare! Module 1A
Welcome to Medicare! Module 1A Welcome to Medicare Introduction to Medicare Original Medicare Plan Medicare Supplement Insurance (Medigap) Medicare Advantage and other Medicare plans Medicare prescription
More informationRetiree Considerations Medicare 101. June 26, 2012
Retiree Considerations Medicare 101 June 26, 2012 Agenda Goal: Present information regarding Medicare and related products to assist you in evaluating options Key Topics: Eligibility Rules Enrollment Rules
More informationChoosing a Medicare advantage Plan
Choosing a Medicare advantage Plan Medicare Made Clear TM Get Answers Series Look inside to: understand Medicare advantage (Part C) plans find out about cost sharing learn how to enroll Y0066_140417_151113
More informationBy Christina Crain, MSW. Director of Programs
By Christina Crain, MSW Director of Programs What we ll cover Medicare Eligibility Medicaid Eligibility Medicare Parts A, B, C and D New Improvements to Medicare under ACA The Medicare Savings Programs
More informationGAO. MEDICARE DEMONSTRATION PPOs. Financial and Other Advantages for Plans, Few Advantages for Beneficiaries
GAO United States Government Accountability Office Report to the Ranking Minority Member, Committee on Finance, U.S. Senate September 2004 MEDICARE DEMONSTRATION PPOs Financial and Other Advantages for
More informationMedicare Basics: Frequently Asked Questions
TIP SHEET Information Partners Can Use on: Medicare Basics: Frequently Asked Questions As of October 2006 What is Medicare? Medicare is health insurance for people age 65 or older, under age 65 with certain
More informationHarvard Pilgrim s. Medicare Supplement Plan. Simple, smart solutions to supplement your Medicare coverage. Massachusetts
Harvard Pilgrim s Medicare Supplement Plan Simple, smart solutions to supplement your Medicare coverage Massachusetts Coverage underwritten by HPHC Insurance Company, an affiliate of Harvard Pilgrim Health
More informationFaculty Alabama State Health Insurance Assistance Program and Medicare 101
Faculty Alabama State Health Insurance Assistance Program and Medicare 101 Susan Segrest Community Based Services Division Chief Central Alabama Aging Consortium A Training on Basic Medicare and the Alabama
More informationMedicare Advantage Program. Michael Taylor, PhD Medicare Advantage Manager
Medicare Advantage Program Michael Taylor, PhD Medicare Advantage Manager Objectives General Overview of Medicare Advantage CMS 5 Star Ratings Medicare Part C & D Audit Process Coping with Contract Terminations
More informationA SIMPLE GUIDE TO UNDERSTANDING MEDICARE. Courtesy of. A Simple Guide to Understanding Medicare
A SIMPLE GUIDE TO UNDERSTANDING MEDICARE Courtesy of WHAT IS MEDICARE? Medicare is a federal health insurance program started in 1965 and administered by the U.S. Centers for Medicare & Medicaid Services.
More informationMedicare and People with End Stage Renal Disease (ESRD)
FACT SHEET Medicare and People with End Stage Renal Disease (ESRD) (I-002) p. 1 of 7 Medicare and People with End Stage Renal Disease (ESRD) If you have end stage renal disease (ESRD) or permanent kidney
More informationMAP TO MEDICARE. H2461 101314 T01 CMS Accepted 10/21/2014 S5743 101414 K01 MN CMS Accepted 10/21/2014
2015 MAP TO MEDICARE H2461 101314 T01 CMS Accepted 10/21/2014 S5743 101414 K01 MN CMS Accepted 10/21/2014 MAP TO MEDICARE What is Medicare?...1 Part A: Hospital coverage...2 Part B: Medical coverage....3
More informationHARBOR ADVANTAGE (HMO) H7960-002-2015 Accepted
HARBOR ADVANTAGE (HMO) H7960-002-2015 Accepted IMPORTANT This presentation is for the exclusive use of Authorized Plan Representatives of Harbor Advantage (HMO). Harbor Health Plan is an HMO plan with
More informationEvidence of Coverage
January 1 December 31, 2016 Evidence of Coverage Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Kaiser Permanente Senior Advantage Medicare Medicaid (HMO SNP)
More informationYour Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Molina Medicare Options Plus HMO SNP
January 1 December 31, 2015 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Molina Medicare Options Plus HMO SNP This booklet gives you the
More informationAbout to Retire: Preparing for Medicare Patient Financial Services Agenda Medicare Enrollment Covered Services Medicare-covered covered Preventive Services Agenda, continued Advance Beneficiary Notice
More informationMassachusetts Bulletin for People with Medicare
DEVAL L. PATRICK Governor Tel: (617) 727-7750 Fax: (617) 727-9368 TIMOTHY P. MURRAY TTY/TTD 1-800-872-0166 Lieutenant Governor www.mass.gov/elder JENNIFER DAVIS CAREY Secretary Massachusetts Bulletin for
More informationHealth Matters. A Guide for Medicare-Eligible Retirees
Health Matters A Guide for Medicare-Eligible Retirees Why am I receiving this booklet? We have decided to offer SelectQuote Senior s insurance exchange. We are committed to helping you make smart choices.
More informationTHE A,B,C,D S OF MEDICARE
THE A,B,C,D S OF MEDICARE An important resource for understanding your healthcare in retirement What you need to know for 2014 How Medicare works What Medicare covers How much Medicare costs INTRODUCTION
More informationHealth Matters. A Guide for Medicare-Eligible Health Care Options. Important health plan information enclosed.
Health Matters A Guide for Medicare-Eligible Health Care Options Important health plan information enclosed. Why am I receiving this booklet? Through Lockton Select Marketplace, we are able to offer a
More informationThe Pennsylvania Insurance Department s. Your Guide to Choosing a MEDIGAP POLICY. Understanding Medigap
Your Guide to Choosing a MEDIGAP POLICY Understanding Medigap Medigap is private health insurance designed to help pay healthcare costs that aren t covered by Medicare. Each Medigap plan covers different
More informationPanorama Rooms Thursday 5 March, 2015 14:00. Mr David Abernethy. Health Policy & Government Relations Consultant, Washington, DC
Panorama Rooms Thursday 5 March, 2015 14:00 Mr David Abernethy Health Policy & Government Relations Consultant, Washington, DC U.S. Private Insurance Solutions in the US Social Insurance System for the
More informationMedicare, Medicaid, and CHIP
Medicare, Medicaid, and CHIP CMS National Training Program April 2013 Session Topics 1. Introduction to Medicare 2. Medicaid and new eligibility group 3. Children s Health Insurance Program (CHIP) 2 What
More information2016 Evidence of Coverage for Passport Advantage
2016 Evidence of Coverage for Passport Advantage EVIDENCE OF COVERAGE January 1, 2016 - December 31, 2016 Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Passport
More informationInformation provided by NYS Civil Service Medicare for Disability Retirees - September 2007
Information provided by NYS Civil Service Medicare for Disability Retirees - September 2007 For employees of New York State agencies who are awarded a Disability Retirement Disability Retirees Must Enroll
More informationPrescription drugs are a critical component of health care. Because of the role of drugs in treating conditions, it is important that Medicare ensures that its beneficiaries have access to appropriate
More information