Keep an open eye as Medicare Advantage plans expects changes in 2018

 Finding a health insurance implies there are lots to think about and this includes considering the details of Medicare Advantage plans. The plan of insurance changes with each plan and the biggest hurdle is when in the rural areas there are fewer choices owing to the dearth of insurers. This leads to more confusion in the Medicare period of open enrollment that starts during October 15.

The Medicare Advantage plans are issued by the private insurers and they offer traditional Medicare coverage. They also include the benefits such as vision, dental and Part D Medicare drug prescription coverage. The co-pays, deductibles and premiums vary with each plan significantly and so comparing each year the coverage and costs is critical even if enrolled.

Medicare Advantage is not the same as the Medigap that is tailored mainly to help fill the gaps of the Original Medicare. The Medicare Advantage plans, recently has seen the members struggling to get the right care they need. This is particularly high with people having chronic or acute illnesses. Nearly, one-third people who are eligible are enrolled with Medicare Advantage plans.

If you are enrolled with Medicare Advantage plans or are considering taking insurance with Medicare Advantage in the sign up period upcoming, or if you wish taking care of a loved one offering MA coverage, you must watch out ahead this year. Already enrolled with Medicare Advantage plans 2018 means your insurer will inform about the 2018 details. There is a need to go through the changes because there may be a plan working right for this year, but that does not mean it will work perfect even for the next year.

Going through the plans is essential as the insurers change their premiums and also the formularies of prescription drugs.  You may look at your plan changes closely and compare it with other plans that are in your area as available plans. The Medicare existing enrollees and also the shoppers for the first-time may compare the plans offered by traditional Medicare and Medicare Advantage Plans on Medicare.gov.

Medicare Advantage insurers, same as other health insurance plans negotiate with doctors, hospitals and other providers of health care every year to avail the lowest cost provider. Thus the HMO and the PPO are subjected to change each year. The provider networks keep changing that it is a must to check the network on your plan or you may consider including the provider you require to ensure you stay healthy.

Do Medicare Advantage Plans Improve Quality Of Care?

According to the Medicare Modernization Act 2003, the Medicare Advantage program that we know today was formed. These types of plans allow seniors and those eligible for Medicare due to disability to get health coverage from private health insurance companies. Private insurance companies offering Medicare Advantage (MA) plans are expected to offer the same benefits offered by Medicare Parts A and B. Part A covers hospital insurance while Part B covers medical insurance. Aside from coverage on both in-patient and out-patient services, Advantage plans typically cover some prescription drugs as well. That is why these plans are sometimes referred as Medicare Part C. They combine Medicare Part A, B and often Part D coverage.

Since MA plans have been available, they have become a popular alternative to Original Medicare. In the year 2010, approximately 25 percent of all Medicare beneficiaries were enrolled in Medicare Advantage plans. From an initial enrollment of 5.3 million, the enrollees have more than doubled and the numbers are still increasing every year.

Medicare Advantage plans have paved the way for beneficiaries to expand on traditional Medicare benefits. Ever since the beginning of the program, the success that Medicare Advantage plans have had among seniors has been a subject of debate. Recently, data was released regarding the quality of care that MA enrollees receive. Get free quotes online today

Medicare Advantage Plans Offer Higher Quality Of Care

According to a study by Niall Brennan (Acting Director of the Office of Policy at the Centers for Medicare and Medicaid Services), and Mark Shepard (Ph.D. candidate in economics at Harvard University), MA plans offer higher quality of care compared to Medicare fee-for-service plans for hospital utilization and delivery of care using widely-accepted measurements of quality.

Some years back, when the first data on Medicare Advantage plans became available, Brennan and Shepard used 11 measurements to look at the underuse of effective care. Out of the 11 measurements, MA plans noticeably performed better than fee-for-service plans in 9 fee-for-service plans. Fee-for-service plans only outperformed Medicare Advantage plans on a couple of measurements, which were not that significant to overall care.

A similar study was conducted by an America’s Health Insurance Plans (AHIP) utilizing HEDIS (Healthcare Effectiveness Data and Information Set) measurements. The study shows quality improvements in health care for MA policyholders with diabetes and heart disease. The findings reveal that compared to fee-for-service plans, diabetic MA policyholders have fewer hospital readmissions and shorter hospital stays. As for heart disease patients, the trend was the same.

The difference between Medicare plan A and Medicare plan B

The Medicare supplement plans A and B are one of the two first available Medicare supplement plans. They don´t cover for as many expenses as other plans do, but are therefore less expensive. If you´re on Medicare part A or B and start noticing, that you´re paying more than you can afford out of your own pocket, you might be in the need to get additional health care services. A supplement plan can not only save you money in the long run, it can also help you control your expenses. It is better if you know how much you need to set aside for your premium rate, than to get unexpected high bills after a doctor´s visit.

If you´re not willing or able to pay high premium rates, you might want to check out the first two available Medicare supplement plans, A and B.

Medicare supplement plan A

The Medicare supplement plan A covers four basic benefits up to 100%. These benefits include:

  • Expenses for Medicare part A coinsurance for inpatient hospital care which extend to up to 365 days after Medicare part A or B no longer pay for the expenses.
  • Expenses for Medicare part B copayment and coinsurance
  • Expenses for the first three pints of blood
  • Expenses for Medicare part A coinsurance or copayments due to hospice care

The Medicare supplement plan A won´t cover for these expenses:

  • Expenses for the co-insurance for skilled nursing facility care
  • Expenses for the Medicare part A deductibles
  • Expenses for the Medicare part B deductibles
  • Expenses for the Medicare part B excess charges
  • Expenses for travel emergency care

Medicare supplement plan B is found at https://www.medisupps.com/medicare-supplement-plans-2019/

The Medicare supplement plan B covers for the following expenses:

  • Expenses for Medicare part B copayments and coinsurance
  • Expenses for the first three pints of blood
  • Expenses for the Medicare part A deductible
  • Expenses for the coinsurance and copayments for hospice care due to Medicare part A

The Medicare supplement plan B won´t cover for these expenses:

  • Expenses for Medicare part B deductibles
  • Expenses for Medicare part B excess charges
  • Expenses for the coinsurance for skilled nursing facility care
  • Expenses for travel emergency care

After comparing what both these plans offer and what they don´t offer, it will be easier to decide if one of them works with your personal needs and the frequency of your health care visits.

It is important to remember that both these Medicare supplement plans, as well as all other Medicare supplement plans, will only be available to you if you already have Medicare part A or Medicare part B.

While Medicare part A and B are provided by Social Security directly, Medicare supplement plans are only offered by private health insurance companies. As these companies are private, they also have the right to determine how much the premium rate will cost. It is therefore recommended to compare the price for the premium rates, as it might cost more from company to company. The benefits will remain the same, no matter which company you use.

 

4- Health Benefits of Water in the Body

Have you ever wondered why water is regarded as the most important component in the body? Well, this article will give you all the knowledge you need about the health benefits of water in your life.

A human body weight is made up of 80% fluid most of it being water. Health is defined as the quality of life in terms of your body’s well-being. If you are a retiree, Medicare Supplement Plans 2019 can help you maintain your health. If 80% of your body is fluid them it means water is essential for your health. All the major body systems depend on water to function.

Functions of Water in the Body

Water keeps your body hydrated for a smooth functioning of your organs. Here are important functions of water in your body that you should know.

Water helps to keep your body hydrated

The major systems in the body require water for a smooth functioning. Water helps in moistening body tissues. For example, your joints need to be lubricated, you breath need to be moist, your eyes need to be moist and almost all body organs need to water to be moist all the time.

Water helps to regulate temperature

Your body regulates temperature by sweating. When it’s extremely hot, your body will release water from spores on your skin and help cool the body. When it is extremely cold, your body will try to speed metabolism process to release heat in the body. This process will make you visit bathrooms to relieve yourself more often than normal.

Water helps in the digestion system

The whole digestion process needs water. Water will help transport food throughout the digestion process. Digestion starts in the mouth where the food is mixed with saliva which has important enzymes to start digestion process. Saliva is made up of water.

Water will help to transport minerals and nutrients after digestion to various body parts which enable body parts to function. Water will also prevent constipation during excretion.

Improve your blood quality

Water is the main component of the blood. Blood is life, you are deemed to die is you lack blood in your body. Taking a lot of water will improve the quality of your blood and keep you healthy. Blood helps to transport minerals all over the body. It also helps in ensuring oxygen reaches all parts of the body.

If you have very thick blood, it will be difficult for the blood to perform these important body functions smoothly. Consequently, you will develop complications and other diseases from this. One of the symptoms of a thick blood is a headache. If you normally experience frequent headaches you should start taking a lot of water frequently.

You need to take adequate water to replace the water lost during normal body functions. Water is lost in various ways which include breathing, sweating, passing of the urine, bowel movement, salivating and bleeding.

How Do I Shop for Medicare Insurance?

In this article, we will try to clarify some of the information and point you in the right direction. By the time you are done reading this article, we hope we will have shed some light on what tends to be an overwhelming task for those faced with it.

A good place to start is to have a basic understanding of what is meant by “Medicare insurance”. The fact is Medicare is a government-run health insurance program, which most folks qualify for through years of contributing to the Medicare fund. It is the same principle as social security. You pay into a pool over the years and collect when you are of age.

Medicare Part A and B cover approximately 80% of a person’s medical costs leaving an un-capped exposure of 20%. This exposure is the reason

In this article, we will try to clarify some of the information and point you in the right direction. By the time you are done reading this article, we hope we will have shed some light on what tends to be an overwhelming task for those faced with it.

A good place to start is to have a basic understanding of what is meant by “Medicare insurance”. The fact is Medicare is a government-run health insurance program, which most folks qualify for through years of contributing to the Medicare fund. It is the same principle as social security. You pay into a pool over the years and collect when you are of age.

Medicare Part A and B cover approximately 80% of a person’s medical costs leaving an un-capped exposure of 20%. This exposure is the reason aarp medicare supplement plans 2019 are necessary. 20% of a $100 medical bill is not such a big deal, but 20% of $100,000 is a whole different story. There are two different ways people can go to get their Medicare coverage. The first is through a Medicare Advantage plan, which is another term for Medicare Part C. Choose a Medicare Advantage plan and that particular plan now becomes your primary insurance coverage through whichever plan you choose. The second way is to keep original Medicare and add a Medicare supplement plan to cover the “gaps”. There is a big difference in these two types of coverage and often becomes the source of confusion for Medicare beneficiaries.

The fact is that no matter which direction you opt for, the coverage will be provided through an insurance company. You can do this by going directly to the company or by consulting with an independent agent. If you go directly to an insurance company, your options will be limited to whatever types of plans that particular company happens to offer. You will also not know if you are getting the best coverage for the money as most company representatives will encourage you to purchase coverage through their company. If you were looking at Buick sedans, the salesman is not going to send you across the street to the Ford dealer even if he personally feels that Ford offers a better car at a better price.

When working with an independent agent, you are working with a professional who can offer many options through many companies. Based on your needs, that agent can help direct you toward the coverage that will work best for you. are necessary. 20% of a $100 medical bill is not such a big deal, but 20% of $100,000 is a whole different story. There are two different ways people can go to get their Medicare coverage. The first is through a Medicare Advantage plan, which is another term for Medicare Part C. Choose a Medicare Advantage plan and that particular plan now becomes your primary insurance coverage through whichever plan you choose. The second way is to keep original Medicare and add a Medicare supplement plan to cover the “gaps”. There is a big difference in these two types of coverage and often becomes the source of confusion for Medicare beneficiaries.

The fact is that no matter which direction you opt for, the coverage will be provided through an insurance company. You can do this by going directly to the company or by consulting with an independent agent. If you go directly to an insurance company, your options will be limited to whatever types of plans that particular company happens to offer. You will also not know if you are getting the best coverage for the money as most company representatives will encourage you to purchase coverage through their company. If you were looking at Buick sedans, the salesman is not going to send you across the street to the Ford dealer even if he personally feels that Ford offers a better car at a better price.

When working with an independent agent, you are working with a professional who can offer many options through many companies. Based on your needs, that agent can help direct you toward the coverage that will work best for you.

WHICH IS THE BEST PLAN FOR YOU?

THE AVAILABLE PLANS

 

Medicare Supplement Plans can cover some of the expenses not covered under your Original Medicare Part A and Part B. There are different plans which are sold by the private insurance companies. The plans are A, B, C, D, F, G, K, L, M & N.

 

Plan A offers the basic benefits and the benefits keep increasing as you go up each letter. However, all the insurance companies offer the same kind of benefits for their policies of the same letter. That means Plan A of one company will offer the same benefits as Plan A of another company.

 

This rule is not applicable in three states – Massachusetts, Minnesota, and Wisconsin. These states have different rules for Medicare Supplement Plans.

 

WHAT DO THE PLANS OFFER?

 

All the ten plans offer 100% hospital costs for additional 365 days over and above what the Original Medicare gives.

 

Part B coinsurance is covered by all these ten plans at least to a certain limit. The first three pints of blood for medical procedures, which is not covered by the Original Medicare, is covered by the ten plans. Apart from this these ten plans also offer the coinsurance for hospice care under Part A.

 

The above three are covered fully in all plans except Plan K and Plan L. Plan K covers 50% of the charges while Plan L covers 75% of the charges.

Learn what plans cover here Medicaresupplementplans2019.com.

Five other benefits are covered differently by the different plans. The skilled nursing care coinsurance is covered differently by these plans. Part A deductible, Part B deductible, and Part B excess charges are also covered in different ways. Another benefit that finds coverage to be different is the foreign travel emergency.

 

There are certain things that are not covered by the Medicare Supplement Plans. Routine dental or vision care is not covered. Long stay in a nursing home is also denied benefits. Private duty nursing is also not covered. Hearing aids and eyeglasses also don’t find a place among the covered items.

 

You will have to find a different insurance to cover the above items or pay from your pocket.

 

Prescription drugs are also not covered by the Medicare Supplement Plans. To get this coverage you will have to enroll in the Medicare Part D plan.

 

Though Medicare Supplement Plans do not cover everything, they offer a good list of items that we will normally need. It covers a lot of expense that Original Medicare doesn’t cover.