Content tagged with 'Medicare' | back to all topics
Order by: Newest First | Oldest First
Not just about Mom and Dad's Health Insurance...
PREPARED PATIENT BLOG | April 6, 2010 | Trudy Lieberman
In the past two weeks I have visited two college campuses---one in Brooklyn and one in Wisconsin.' Large numbers of students turned out to hear about the new reform law and wanted to know what it meant for them.'
Some Honesty about Medicare Advantage Plans, Please
PREPARED PATIENT BLOG | June 11, 2010 | Trudy Lieberman
Obama administration officials and the president himself have been on the road selling the benefits of health reform.' The other day in Maryland the president was touting the $250 rebate sent this week to some three million Medicare beneficiaries whose prescription drug expenses have reached the infamous donut hole where there is no coverage.
Is Choosing a Health Plan Like Buying a Car or Canned Goods?
PREPARED PATIENT BLOG | June 21, 2010 | Trudy Lieberman
Do consumers buy health insurance like they buy canned peas? Or should they? That's the big question market place advocates have been trying to answer now for more than a decade. The government and others have thrown gobs of money at this vexing problem trying to figure out the best combination of stars, bars and other symbols that will catch the shopper's eye.
What Happens When an Insurance Company Misbehaves
PREPARED PATIENT BLOG | July 12, 2010 | Trudy Lieberman
When the Centers for Medicare and Medicaid Services (CMS) took the rare step this spring of kicking Fox Insurance out of the Medicare Part D drug benefit program, it pretty much went unnoticed. CMS went after Fox, admittedly small fry in the pool of insurers, and said they couldn't sell any more stand-alone prescription drug plans to seniors These plans are the kind that people buy to complement Medigap policies that don't offer any drug coverage.
The Medicare Sales Season Begins: As Always, Buyer Beware!
PREPARED PATIENT BLOG | October 7, 2010 | Trudy Lieberman
Finding a Medigap Policy on the Web? Better Think Twice
PREPARED PATIENT BLOG | December 10, 2010 | Trudy Lieberman
Oh, those clever insurance agents, always on the prowl for new customers. This time they are using the current period of open enrollment for Medicare to snag customers for other insurance products'products that consumers may not need or want.
Assessing Risk: Medicare Advantage vs. Medigap vs. Drug Coverage Only
PREPARED PATIENT BLOG | December 22, 2010 | Trudy Lieberman
As Medicare's open enrollment season draws to a close, it's a good bet that seniors are still sifting through all those brochures and flyers that have come in the mail the last several weeks. My husband received 22. Here's a simple rule to make the sifting go a little faster.
Inside Health Care: Are Patients 'Priceless?'
PREPARED PATIENT BLOG | December 23, 2010 | CFAH Staff
An inside look at the cost of health care: a physician confused by the transparency of Medicare reimbursements and a patient in San Francisco unable to afford treatment for an enlarged prostate.
PREPARED PATIENT BLOG | January 21, 2011 | Trudy Lieberman
Someone I know who is just over 65 received an unlikely solicitation'from The Scooter Store located in New Braunfels, Texas, on Independence Drive no less. The outside of the envelope promised a free personal mobility assessment. This person is totally mobile and hardly needs a scooter.
Turning 65: It Was Time for Medicare
PREPARED PATIENT BLOG | April 11, 2011 | Trudy Lieberman
This is the first in a series of posts that examine the process of signing up for Medicare, navigating its rules, choosing supplemental coverage and planning for health care in a program with a very uncertain future.
Turning 65: The Sellers Were After Me
PREPARED PATIENT BLOG | April 28, 2011 | Trudy Lieberman
Even before I officially signed up for Medicare, sellers of Medicare Advantage plans, prescription drug benefits and Medigap policies began stuffing my mailbox with marketing brochures and lead cards'the kind that ask for your name and address and tell you that a salesperson will call if you return the card. Since the first of the year, I have received five lead cards asking for personal information, four solicitations for Medicare Advantage plans, two for stand-alone drug plans and three for Medigap insurance.
Turning 65: Finding a Medigap Policy
PREPARED PATIENT BLOG | May 12, 2011 | Trudy Lieberman
The first step after reading my collection of Medicare Advantage, prescription drug, and Medigap sales brochures was to find a way to fill in core Medicare coverage gaps'the deductibles for hospital stays and doctor care and the coinsurance for physician visits, lab tests, and hospital outpatient treatment that could really leave me with an unwelcome bill. I would have to pay 20 percent of those bills if I didn't have supplemental coverage.
Turning 65: Finding a Prescription Drug Plan
PREPARED PATIENT BLOG | May 23, 2011 | Trudy Lieberman
If I were to choose a Medigap policy to supplement my basic Medicare coverage, I would still have to buy a separate plan for prescription drugs, since Medigap sellers can't include drug benefits in those policies.
Turning 65: Finding a Medicare Advantage Plan
PREPARED PATIENT BLOG | June 6, 2011 | Trudy Lieberman
Ah, those Medicare Advantage (MA) plans! The government can't seem to decide if it loves or hates them. On the one hand, when I tried to learn about my options, there was much more MA plan information available from the government than for traditional Medigap policies. So it seemed like I was being encouraged to select an MA plan.
Turning 65: Making the Choice
PREPARED PATIENT BLOG | June 21, 2011 | Trudy Lieberman
Even though I have written about Medicare for many years, it wasn't until I actually went through the process of selecting an option to cover Medicare's gaps that I realized seniors have an extraordinarily difficult, if not impossible, task. You can't make a perfect decision because so much depends on your future medical needs and no one can predict those with certainty.
Turning 65: Medicare's Future and Me
PREPARED PATIENT BLOG | July 14, 2011 | Trudy Lieberman
I once thought that when I signed up for Medicare, I would never again have to worry about paying for health care. But I will. Medicare's future shape and substance is uncertain.
Hit by the Fine Print: Three Ways the Debt Deal Could Hurt Seniors on Medicare
PREPARED PATIENT BLOG | August 2, 2011 | Trudy Lieberman
Medicare turned 46 last week, but instead of celebrating its major accomplishment ' keeping millions of older Americans healthy ' it finds itself under siege.
Turning 65: A Medicare Snafu
PREPARED PATIENT BLOG | September 13, 2011 | Trudy Lieberman
I didn't expect to write a sequel to my seven-part series about signing up for Medicare. Just when I thought I was on the program, and all was fine, it wasn't. After I submitted two bills for routine exams, I learned Medicare would not cover them as my primary carrier. That threw me into a tizzy. All my years of reporting about the program taught me that once you retire Medicare is primary.
Who Gets Preventive Care?
PREPARED PATIENT BLOG | December 19, 2011 | Trudy Lieberman
Who doesn't think preventive health care is important? Probably nobody if you ask this question abstractly. But when it comes to getting it - well that's a different matter.
What Consumers Don't Know About Their Health Insurance
PREPARED PATIENT BLOG | February 7, 2012 | Trudy Lieberman
On a chilly New York day, a sales agent for UnitedHealthcare stood on a noisy street corner in Spanish Harlem pushing Medicare Advantage (MA) plans. He was engaging in table marketing a way to snag new customers, converts from other MA plans, he hoped.
Medicare Games: When Is a Stay in the Hospital Really a Stay?
PREPARED PATIENT BLOG | March 21, 2012 | Trudy Lieberman
If you or a family member is on Medicare, you would assume that if they are in the hospital their care would be covered under Medicare's Part A hospital benefit. Right? Well, not always.
'Death Panels': Beliefs and Disbeliefs in Health Care
PREPARED PATIENT BLOG | May 23, 2012 | Trudy Lieberman
Virginia was particularly concerned that she would not get medical treatment after she turns 75. She had heard at that age, 'they send you a letter. They are going to start sending you literature on death.'
More Confusion about Those Insurance EOBs. This Time from Medicare
PREPARED PATIENT BLOG | June 6, 2012 | Trudy Lieberman
People have a right to receive in plain language a summary of what doctors bill, what insurers pay and how much they themselves must pay.
Trolling for Insurance Prospects on Twitter
PREPARED PATIENT BLOG | September 18, 2012 | Trudy Lieberman
Selling health insurance on Twitter? Yes indeed. Not long ago a simple tweet about a blog called Medicare Made Clear alerted me to this new way to find sales prospects for Medicare Advantage Plans and Medigap policies
The Government Wants Seniors Out of Bad Medicare Plans
PREPARED PATIENT BLOG | December 5, 2012 | Trudy Lieberman
Even though open enrollment closes this week for some 47 million seniors who can change their Medicare coverage arrangements for next year, the federal government is extending the deadline for certain people. Who are the lucky ones?
Making Seniors on Medicare Have More Skin in the Game
PREPARED PATIENT BLOG | March 26, 2013 | Trudy Lieberman
The movement is growing, it seems, for making people who rely on Medicare have more skin-in-the-game. In the minds of some, seniors and the disabled pay too little for their health care and their Medicare benefits…
Is “Guaranteed Coverage for Life” in the Cards for Medicare Seniors?
PREPARED PATIENT BLOG | May 1, 2013 | Trudy Lieberman
A few days ago, Empire Blue Cross Blue Shield sent me one of those Medigap sales brochures that seniors usually expect during the fall open enrollment season.
Political Football Season Starts for Medicare
PREPARED PATIENT BLOG | August 28, 2013 | Trudy Lieberman
It’s the silly season again for Medicare. It comes around whenever a political campaign is about to begin as it is for next year’s mid-term elections….Politicians love to play ball with benefits for seniors.
A Better Health System for Frail and Disabled Elders
PREPARED PATIENT BLOG | December 9, 2013 | Ken Covinsky
Let's stop telling the public that exercising and eating blueberries are guarantees for avoiding frailty and disability. Let's start talking about how to maintain our quality of life as we age and inevitably encounter health problems.
What I Expect From the Medicare Program
PREPARED PATIENT BLOG | December 16, 2013 | Jeff Goldsmith
After half a lifetime of following the Medicare program, on October 1, 2013, I became a Medicare beneficiary. I'm part of the leading edge of baby boomers joining the program, ten thousand a day. Here are some reflections upon joining...
Advice for People New to Health Insurance (Part 2): Medicare and Medicaid Explained
PREPARED PATIENT BLOG | December 24, 2013 | CFAH Staff
In part two of our series, we look at the difference between Medicare and Medicaid. Our 'Be a Prepared Patient' resources can help you figure out if you qualify for either of these or other special health care programs...
Advice for People New to Health Insurance (Part 4): How Much Will Health Care Services Cost?
PREPARED PATIENT BLOG | December 26, 2013 | CFAH Staff
In part four of our series, we look at a few ways to estimate the cost of your care ahead of time so you can make the best choice for you and your loved ones. Our 'Be a Prepared Patient' resources offer trusted websites and tips to get started...
Lack of Access Still to Blame
PREPARED PATIENT BLOG | January 7, 2014 | CFAH Staff
What's the key to reducing costly emergency room visits and readmissions? People who lack convenient access to a health care provider, with or without insurance, return to the emergency department or hospital out of need and desperation...
Do Patients Care How Much Money Their Doctors Make?
PREPARED PATIENT BLOG | January 28, 2014 | Trudy Lieberman
I am all for transparency when it comes to health care. So when Medicare announced a few weeks ago that it would begin to tell the public how much doctors are paid to treat Medicare patients, my first thought was "hooray." Still, I keep returning to the question: What will the data do for the average person?...
Why Low-Income Seniors Fail to Get Help Paying for Health Care
PREPARED PATIENT BLOG | February 11, 2014 | Trudy Lieberman
A couple weeks ago, the Medicare Rights Center, a well-known New York-based advocacy group, released a report card showing that seniors on Medicare are struggling to pay for their health care. This finding brings up an important question: Why aren't seniors using the variety of state and federal programs that have been set up to help people in this situation?
Backlash Against Narrow Provider Networks Begins
PREPARED PATIENT BLOG | February 18, 2014 | Trudy Lieberman
Seniors are starting to realize that fewer doctors and hospitals may be available to them if they select a Medicare Advantage plan. Restricting these choices – in theory – is a way to control the price of health care. There's just one problem: Consumers still want to choose their doctors or stick with the ones they've got...
'Me' Versus 'We' in Obamacare
PREPARED PATIENT BLOG | February 25, 2014 | Trudy Lieberman
The Obama administration and Affordable Care Act supporters have not bothered to explain how the law includes cross-subsidization, missing an opportunity to talk about the "we" aspects of the law. As one 58-year-old woman put it: "The chances of me having a child at this age is zero. Why do I have to pay an additional $5,000 a year for coverage that I will never, ever need?" Here's how it works...
On Each Other's Team: What We Can Learn by Listening to Older Adults
PREPARED PATIENT BLOG | April 10, 2014 | Chris Langston
If there is a population in which we have the biggest opportunity to see improvements in both cost and quality of care outcomes, it is older Americans. The debate on how best to deliver effective primary care has gone on a long time, sometimes frustratingly so, but it has almost never included a crucial constituency: older adults. The John A. Hartford Foundation is pleased to help change that...
An Advantage for Medicare Patients or Just for Health Plans?
PREPARED PATIENT BLOG | August 20, 2014 | Trudy Lieberman
That the government overpays sellers of Medicare Advantage plans is well known in Beltway circles, even if much of the public remains unaware…
Seeing the Government's Star Ratings Is One Thing, Believing Them Is Another
PREPARED PATIENT BLOG | September 9, 2014 | Trudy Lieberman
Just a few years ago it seemed that advocates for health care transparency had scored a big victory. The Centers for Medicare and Medicaid Services (CMS) announced that they would rate nursing homes by awarding five stars to the best and fewer stars to lower-quality facilities. It turns out, though, that five-star nursing homes may not be delivering five-star quality...
Another Strategy in the Health Care Reimbursement Game
PREPARED PATIENT BLOG | September 17, 2014 | Trudy Lieberman
American health care has become a gigantic game board with players of all sorts strategizing to win. Winning, of course, means getting more money from payers...
Home Health, Palliative Care, Hospice: What's the Difference and Who Needs Them?
PREPARED PATIENT BLOG | October 6, 2014 | Janet Bollig
I recently spoke with a gentleman with a significant illness whose main goal is to stay home. He decided to utilize our skilled home health services and home medical equipment. Over time, he transitioned into our palliative care program and currently is in our hospice program. Here is information on what these services are and who may benefit from them...
Shopping for a Medicare Advantage Plan — Once Again!
PREPARED PATIENT BLOG | October 15, 2014 | Trudy Lieberman
I have just done something I said I would never do: shop for a Medicare Advantage plan to cover my gaps in Medicare. The usual flyers and brochures from sellers of Medicare Advantage plans began to arrive in the mail with their enticing sales pitches, and one nearly fooled me. Short of having a Medicare representative on the phone, you're stuck in an information swamp. No wonder studies show that beneficiaries are not eager to shop around even if they can get a new policy with a smaller monthly premium...