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Category Archives: Medicare

What Is Medicare Observation Status?

Over the last several years, there has been a trend towards placing Medicare hospital patients who are receiving “medically necessary” treatment, which was ordered by their doctor, under Medicare observation status.  What this does is makes the person an “outpatient” as opposed to admitting them as an “inpatient”.  Some patients have even been in the hospital receiving treatment and testing for weeks and never
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Are you turning 65 soon? Medicare Info you Should Know.

If you are turning 65 soon, you will be eligible for Medicare.  However, if you are still working, you may already have insurance through your employer or through the Health Insurance Marketplace.  In a notice being sent out by the Centers for Medicare and Medicaid Services (CMS), “In most cases you won’t want to keep your Marketplace plan because once your Medicare coverage starts,
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Medicare Open Enrollment

It’s that time of year again….Medicare Open Enrollment begins October 15th and runs through December 7th. What are the things you need to know? Medicare Open Enrollment gives those who receive Medicare coverage the opportunity to change their plan. This is a great time to have your current plan reviewed if you have a Medicare Advantage Plan (Part C plan) or a standalone Part
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Medicare Open Enrollment

Medicare open enrollment is from October 15 through December 7, 2015.  This gives seniors an opportunity to switch their Medicare Plan if they are on an Advantage Plan or switch back to Original Medicare (Part A and B).  They can also switch their prescription drug coverage.  Medicare Open Enrollment occurs at the same time every year and the new coverage selected begins January 1st
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Medicare: What Is It and How Does It Work?

Medicare is a federal health insurance program, not a needs-based program, for most elderly Americans (over the age of 65), people under 65 who qualify for disability income and persons who are suffering from end-stage renal disorders.  It was first created in 1965 as part of the Social Security Act.  For those 65 and older, they may receive Medicare if they are entitled to
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Obamacare – Can You Afford Not To Have Health Insurance?

Even after all the talk about the Affordable Care Act (a/k/a “Obamacare”), I still run into people who have no clue that if they do not sign up for health insurance this year, they will be paying penalty for the failure to do so.  How much is the penalty?  It depends on several factors including income and family size.  For example, for a single
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Beware the ALF Contract

Do you have a loved one who is looking into entering an assisted living facility?  You should beware the ALF contract that obligates your loved one’s agent to be personally liable for the assisted living fees.  Federal laws were enacted which prohibits nursing homes that accept Medicare and Medicaid from requiring someone, such as a family member, to guarantee payment as a condition of
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How Accurate is Medicare’s Rating System for Nursing Homes

Contemplated how accurate is Medicare’s rating system for nursing homes? The NY Times recently published an article discussing the fact that Medicare’s ratings of nursing homes cannot be trusted to give accurate information – NY Times Article. Medicare has a rating system (the highest being 5 stars) that it assigns to nursing homes around the country which assess a facility’s staffing, health inspection and quality
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Obamacare Deadline. Are you running out of time?

Does the Obamacare Deadline affect you? Beginning January 1, 2014, everyone is required to have health insurance or risk facing a penalty. The penalty in 2014 is 1% of annual income or $95 per person (whichever is higher) and this increases to 2.5% in 2016 or $695 per person. The deadline to sign up for benefits is March 1, 2014.  However, you do not
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Medicare Open Enrollment Begins on October 15

Medicare Open Enrollment It’s that time of year again to consider making changes to your existing Medicare Plans.  Medicare’s Open Enrollment period gives all beneficiaries the opportunity to make changes to their plans as their lives and needs change. Why is the medicare open enrollment period so Important? Medicare policies and coverage change periodically. It’s important to keep up on what these changes are, what
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