Tag Archives: az staff answers

Your Questions About Medicare Part C

Mary asks…


Can you code for these items: Thanks in advance Valentine?

I’m pretty sure since these are mainly cosmetic, except Botox, you can’t bill for them but not sure. These are Spa services they are asking me to code for them, I assume for future reference, to Medicare (should be just part B). Can you actually code these:

IPL (No idea what this is. They tend to give me stuff like this a lot)
Peel Pac, Peel Vitalize/Illumize, MicroDerm, Facials, Latisse, Botox, Dysport, Fillers(juvederm, restylane, radiesse).

They are also asking for codes for supplies such as retinol, vitamin C, and 1/2 Bottle Ultra 1 & 2 peel. All this stuff is under Spa Services. I have no idea where to find, or if can find, codes for these supplies. Only can think of HCPCS but I don’t believe these can be billed since it all seems just for personal therapeutic use. Suppose could be if medical reasons were documented but don’t see how you could.
Don’t have to go through all that. Sure you’re busy enough. If it’s a challenge that you want to do though get back to me whenever. No rush. Have a great weekend.

Medicare Insurance AZ staff answers:

I do not have experience with these particular services, let me do some research and get back to you. Thanks for the challenge lol

Charles asks…

Under-the-table and filing taxes, have I got this right?

I’m within a few days of deciding whether or not to take a job that pays under-the-table. As much as I realize I could get away with it, I really want to do the right thing and make sure I am able to properly file taxes.

What I’ve read so far leads me to believe that if I file a Schedule C and SE, covering Medicare and Social Security, then I’m pretty much safe as far as doing my part.

Is this correct? Incorrect? What else needs to be considered?

If it helps, the job is very low hours and pays about $6000 a year.

Before you chastise me for taking unreported employment, remember that the reason I’m asking is to do the right thing. Thank you for your time and attention.
I do realize about the unemployment and compensation, but I am considering that an acceptable risk for the position.
As far as the employer violating labor laws, this may or may not be the case. I don’t know all those specifics yet either. If he is breaking any laws in this respect, is this something that could come back to haunt me or am I just as well off turning a blind eye and letting him deal with those issues?

Medicare Insurance AZ staff answers:

If you take this under the table job, yes, report on Sch C and SE(you pay your own se tax)
and it would be advisable that you keep good records, the payer may not issue you a 1099

Richard asks…

Are there any resources for uninsured cancer patients have tried ACS, etc?

Mom has stage 3 colon cancer. state funded hospital refused to do a colonoscopy b/c she’s uninsured. grandfather died from colon cancer. Mths later at a different hospital she was rushed into surgery to have her appendix removed only to discover it had already been removed, instead part of her colon and some lymph nodes were removed. This was in July. She began chemo in Oct and got real sick. She had to wait until feb to get a colonoscopy b/c she’s uninsured. No signs of cancer but she got sicker. Yesterday the biopsy results came back she has an inoperable tumor outside of her colon and to top it off the for profit hospital dumped her as a patient b/c her bill exceeds 30k. Chemo is going to be used to try to prolong her life by up to 3 years. Soc Sec is lost her records and denied her claim. She has appealed and hired a lawyer. She has to wait 4 to 6 months. Medicare/caid won’t help her b/c she doesn’t have breast cancer and isn’t pregnant. found another hosp fight 2 keep food stamps
Appendix was removed during hysterectomy 20 years ago and she never knew. my mother has no income or assets. She was left destitute after husband died in 2005. My mother doesn’t have anyone but me an I promised her I wasn’t going to abandon her. As far as the biopsy goes I was told they were going to stick a needle into the tumor and remove tissue it was a 45 minute proceedure. This new tumor did not show up during the colonoscopy because it sits outside of her colon. It didn’t show up in the ct scan or a battery of other tests, she would have needed a pet scan. I only mentioned a colonoscopy to display the length of time she had to wait. If you look at the tennessee dhs website it states the guidelines for medicare and yes her doctors have worked with ssi. the lawyer told us that ssi is notorious for misplacing records and not owning up to it. I don’t have time for critics and tryin to say me mother’s life. A church member told me about natural herbs. my brothers don’t care.
Thank you spree dog. The problem is not with her doctors, but finding doctors to the procedures that they’re trained to do like the gastrointestinal doctor. They’re trying to get her into pain management. I realize that what you’re saying is true, but I’d rest easier knowing that she had access to innovative care. Her doctor an I discussed cyberknife, but he told me he had never seen it done in this type of situation an would have to refer her to a specialist. The saddest I’ve ever seen her doctor was on thursday he called in an said the cancer was back shook his head and said our health care system is horrible, another hospital where he also has an office is going to treat her. She met with the oncologist social worker. Her doctor said he isn’t giving up he just doesn’t know what else to do. She starts back on the 5fu and lecovorin on WED. They tried to get her on Xeloda, but its too expensive and Roche wouldn’t give it to her. We’re praying for a miracle God Bless you all.

Medicare Insurance AZ staff answers:

I never had any luck getting the American Cancer Society to provide any help for my patients in this situation needing financial help to get treatment. What I did in my practice was treat them at my own expense. This happened fairly often.
I don’t know how many oncologists will do this now.
I would ask drug companies to help by providing free drugs for patients who were uninsured and could not afford the expense.
Sometimes this helped with the drug costs, but I still provided my services and my nurses essentially for free.
We are required to bill everyone the same, so I would simply write off the bills for those who told me they could not pay.
I suspect most doctors will not do this today. The trouble is that some people who had the resources would falsely say they could not pay. I tended to take their word, but many doctors become disillusioned by the few people who take advantage in this situation.

I usually knew my patient very well personally. If you have this kind of rapport, maybe your doctor will help you with the expenses. The main drug for colon cancer is 5FU which is very inexpensive as most chemotherapy drugs go. Part of the problem is that recurrent colon cancer is not a disease that can be treated very effectively with chemotherapy.
Three years would be exceptional time gained for inoperable recurrence. This may very well become a situation which cannot be effectively treated regardless of insurance or finances. The president’s former press secretary Mr. Tony Snow is also in this situation though he must certainly have plenty of coverage for the costs of treatment. It is not likely that he will do well with every available resource provided regardless of expense.
‘ Not a good situation to be in whether rich or poor.
It is common for people to think their family member could have been cured if they had the money or insurance coverage. Cures are not expected for anyone with recurrent or metastatic adenocarcinoma of the colon.

Betty asks…

What do you think of this law school statement? I just put the X’s there I have a college though?

During my undergraduate tenure at University of XXXXXXX, Economics Social Issues was the best course to develop my analytical ability and debating skills. As a class activity, we held debate sessions on various topics. This unique experience teaches students to work together as a team to gather relevant information and to present it as a persuasive argument to the judges and the audience. I believe that this particular course along with my economic background became a catalyst in my decision to study law.

The topic for our debate hearing was Saving and Protecting Social Security for the Future Generations. The objective was to convince the panel of judges that Social Security needs reforming or it will be completely depleted by the estimated year 2040. After class, the six of us decided to plan for the debate in the school library. As I spent time gathering my information from articles and economic models, I decided to set up two mock debates to see how prepared we actually were. This was the best way to organize our facts, sources, and arguments for effective presentation. Afterwards, we prepared some rebuttal questions for the final part of the debate.

On the day of the debate, I felt nervous, confident, and anxious. As we entered the classroom, it was as if we were expert economists set to appear in a hearing for Congress. I also thought about my past memories of being in Nashville, Tennessee and watching intense legislation of crime laws from the State Capitol House Chamber years ago. In my vital opening statement, I first provided an outline of all the arguments each of my teammates would debate. I opened with my argument explaining longer life expectancy for seniors, fewer employees in the modern job market, and massive government spending as my reason for the broken Social Security system.

After everyone on my team completed their argument, I elaborated on the problems of Medicare and its estimated depletion of reserves by 2019. I also gave a set of theories to reform Social Security and Medicare by adjusting its benefits, tax structure, and investment options. I could tell both of my theories really impressed the judges by their reaction. In the finale of the debate, I sensed that our team chemistry, purpose and determination grew for this debate because this topic was important for all of us. We used the rebuttal questions to not only defend our side of the debate, but also to show everyone that we were the better debate team. After completing the debate, the judges went outside of the classroom to decide the winner of the debate. When they came back in they announced that our team was victorious in the debate. The judges’ decision was predicated on how we presented our information and the enthusiasm we had for debating our topic.

I felt relieved because all of our hard work of arduous research and practice debates paid off. I thought about our perseverance from problems such as changing our arguments frequently, disagreements, and the possibility that members of the group would be absent that day. The most important attitude that I believe I brought to my team was enthusiasm and a strong desire to compete. With my prior experience of success, I know I can bring this same enthusiasm to the classroom in law school.

My strong work ethics of maintaining an excellent grade point average, long hours of studying, and participating in academic extracurricular activities are key qualities I possess to being a successful law student. I believe that one of my greatest strengths has always been to find reliable evidence from any research that I conduct. This is why I plan to attend the University of XXXXXX to start a legal career as part of a general counsel and later in my career become a lawmaker for Congress in Washington D.C. After talking to current law students and counselors, I am ready for the rewarding opportunity and challenge. With the outstanding reputation of a high bar passage rate and successful lawyers in the job force, I look forward to a legal education at the University of XXXXXX.

Medicare Insurance AZ staff answers:

You know, after reading this I must say that there were parts that really grabbed my attention, and there were other parts that I felt were bordering on disingenuity and arrogance.

The first two paragraphs are excellent, however the third paragraph begins to falter. You tell us your emotions, which is completely irrelevant to the topic at hand. You also mention going to Tennessee which is, again, completely irrelevant. Why on earth does the reader need to know that?!! It fails to make your essay more personable and ultimately weakens the paragraph. In my opinion, you should cut right to “In my vital opening statement..”

You then committed an inexcusable grammatical error. You used “everyone” with “their”: “After everyone on my team completed their argument”.. Everyone is SINGULAR; you need to use singular pronouns!! You’re going to law school where how well you write will determine everything about your career. How can you make a mistake like that?! It reflects poorly on you and could hurt your chances of being admitted into this law school.

Next you say “I could tell both of my theories really impressed the judges by their reaction”. Again, this statement is too vague and useless to be of any value in that paragraph. What was the reaction? Why is this important to the paragraph? It sounds presumptuous to me, and I’m sure you don’t want to come off sounding this way in the essay.

Next, you say “I felt relieved because all of our hard work of arduous research and practice debates paid off.” I would re-phrase this. It’s not a coherent sentence the way it’s worded now.

“I thought about our perseverance from problems such as changing our arguments frequently, disagreements, and the possibility that members of the group would be absent that day”. There’s a rule that you don’t introduce new information in the closing paragraphs. I’d adhere to that rule here. The reader doesn’t need to know what “almost” happened–only the facts. I’d cut out that sentence as well.

You then say “This is why I plan to attend the University of XXXXXX to start a legal career as part of a general counsel and later in my career become a lawmaker for Congress in Washington D.C.”. I’d cut out the “become a lawmaker for Congress” part. You need to show you are focused on getting into this school, more so on what you “hope to do” with a law degree. This sounds a little pretentious to me as well.

WHEW! I know I was pretty brutal, but I think this could be a very good essay with some grammatical tweaks and editing. I’m applying to law school as well so I know the importance of having a cogent, articulate, creative essay.

If you have any other questions, feel free to contact me at tpoplar@yahoo.com

Good luck!

William asks…

Please review my cover letter for a receptionist position?

This is what I’m working with for a government position. I did go to college, but dropped out three credits short of completing the degree because I fell behind on tuition money. So that’s why I haven’t mentioned my education. It is out of order because I’m going to re-order it and reword the first words of the paragraphs inside, you’ll see what I mean, but please provide some feedback. Too long? Too short? Too wordy? Not enough information? Certain info missing? Whatever you think, Everything from the header to the closing. Thanks.

Abcdef G. Hijk
XXXXXXXXXXXXXXXXXX
Apartment X
Washington, D.C. XXXXX

XXXXXXX Commission
xxxxxxx
xxxxxxxxx
Washington, D.C. XXXXX

Dear Hiring Manager,

I was browsing the USAJOBS web site when I came upon a job vacancy at your agency for a Receptionist. With my qualifications and education, as well as work history background, I am confident that I am an exceptional candidate for this position, and can provide quality service in performing the necessary duties and tasks involved. My background in administrative support, as well as social services, demonstrates that I have acquired the knowledge and skills you are seeking in a Receptionist.

Prior to my nonprofit office experience, I performed various administrative and clerical tasks supporting the staff of the Registrar at the University of XXXXXXXXX, where I worked as an Office Assistant. I also developed clerical and communication skills as an intern for the State of XXXXXX Judicial Branch, where I contributed my computer knowledge [ADDING OTHER INFO]

Over the period of five months prior to this position, I volunteered at a charitable non-profit organization as an Intake Assistant in a fast-paced office environment, where I developed strong interpersonal and problem solving skills. While in this position, my primary function was in providing invaluable information and resources to clients, and the general public, who sought various services within the organization, such as food, clothing, legal assistance, and information on acquiring housing. I also developed attention to detail and research skills, where part of my duties was to thoroughly review documentation of each client, and to assess their needs according to the services available to them. This also required an ability to research services offered by the District, such as the SNAP program, food pantries, low-income housing, assistance to Medicare recipients, and various other services which I was able to investigate and quickly provide sufficient information.


My recent background as a Telephone Interviewer provided me with the interpersonal skills necessary to demonstrate an ability to effectively communicate with others verbally. In this function, it was vital to maintain poise, and always greet and interact with telephone respondents with courtesy, while being able to handle responding to any inquiries they would have in the process. I was also able to handle difficult or impatient respondents with calmness and respect, under strict time constraints.

I am confident that this background does demonstrate that I am a viable candidate for this position, and I would be greatly appreciative to discuss my credentials, and how I can contribute my skills to the agency in this clerical role, with you in an interview. Please feel free to contact me if you have any questions at XXX-XXX-XXXX or by e-mail at XXXX@yahoo.com. I look forward to speaking with you, and thank you for your time and consideration.

Warm regards,
Abcdef G. Hijk
The employer requires a cover letter in the application process. It’s formatted in Word, Times New Roman, size 11, normal margins. Feedback on this will be helpful as well.

Medicare Insurance AZ staff answers:

Looks pretty good.

Here are some slight modification you could consider;

In the opener, when you state that you were “browsing”, it sounds a little too casual.

You could say ….” I am responding to the recent advertisement, which appeared on the USAJOBS website, seeking a Receptionist for your agency. The position matches my prior work experience and career interest. With my qualifications……..

The body of the cover letter might be a little long. Only include a brief synopsis of your qualifications and choose words which they listed as required skills in their ad. (especially if you are submitting the cover letter electronically. Organizations often us filtering software to find viable candidates). The details should be include in the resume portion.

The closing summary is a little awkward ….”i would be greatly appreciative to discuss my credentials, and how I can contribute my skills..

Consider changing it to: I would greatly appreciate an opportunity to discuss my credentials and how i can contribute my skills….

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Your Questions About Medicare Part B

Thomas asks…

Social Security and medicare question?

My grandmother has social security and medicare part B. I have no knowledge of any of this at all but I do know that her medical bills are still too much for her to afford. Is there any other insurance or anything she can get to help her out?

Medicare Insurance AZ staff answers:

Chances are she qualifies for medicaid in her state. If she did not qualify for Medicare Part A without paying for it, she may qualify for a Buy In Program, the cost of which might be paid for by the state (medicaid).

Http://www.naswdc.org/practice/aging/qmb.asp

She really needs to apply for medicaid and she what other programs are available to her through the state.

George asks…

How big is the Anesthesia Services Market in the US?

According to the CMS, in 2005, Medicare Part B reimbursements for anesthesia professional services were 1.4 billion. Does anyone know what Part A, Private payors, & Other governenment payors spent on this?

Thank you!

Medicare Insurance AZ staff answers:

That is truly amazing, as Medicare pays us crap.

I’d estimate at least 2-3 times that for private payors. Part A does not pay physicians. Other government is as bad as or worse than Medicare. Medicaid payments don’t cover the cost of a doctor’s gas to get to the OR, much less malpractice premiums and other expenses. Tricare also pays very poorly.

William asks…

ATTENDING PHYSICIANS FILES MEDICARE?

An attending physician not employed for hospital that is treating a patient has to file the medicare claim to which part of medicare PART A or PART B?

Medicare Insurance AZ staff answers:

Medicare Part B for out-patient doctor visits

Helen asks…

New to Medicare…..just turned 65 and am receiving all kinds of pamphlets intended to help me.?

Humana,United health,and many others have been solicting me to join.All this is centered around the part b of Medicare which i know nothing about.What do i actually need?and who has the expertise to assist me.I reside in St Pete Fl.I feel these health providers are out for the money not my interest thanks

Medicare Insurance AZ staff answers:

There should be a Senior Center in the community where you live, and there will be many experienced Seniors there to help you sort things our. They will also have Attorneys for Seniors and their problems. If you can get there you will find many other things going on that you may be interested in . You are welcome

Betty asks…

Do you know Republicans BLOCKED legislation to let Medicare bargain for drug prices with US drug companies?

When Bush wanted to expand Part B Medicare – Democrats tried to put in the government BARGAINING with US drug manufactures so we could have LOWER prescription medication prices just like Canada and Mexico – REPUBLICANS FILLIBUSTERED AND BLOCKED the amendment.
Just shocking when you think about it – the whole thing was yet another big corporate giveaway at Taxpayer expense – just like everything else the Republican Party does.
Just ONE example of many HUNDREDS of bills that were blocked, fillibustered and vetoed by Republicans during 2006-08 – DEMOCRATS ONLY PASSED ONE BILL THAT ENTIRE TIME! THE FARM BILL!
So guess who was really in charge?
Jim W – I read your right wing “thinktank” link, and the only thing that it really says is drug manufacturers don’t want to be paid less for their drugs – just a lot of pretty sounding language besides that but that’s what it boils down too.
The question is WHY was Bush for the TAXPAYER being FORCED to by the drugs and whatever the companies wanted to ask, and pay MORE for drugs made in OUR OWN COUNTRY than other countries do?
It’s just mind-boggling, but thanks for the link.

Medicare Insurance AZ staff answers:

It wasn’t JUST filibustering – Bush vowed to veto the bill if it had government negotiation of drug price in it.

You have some crazy answers here -
What are the Dems doing? It’s part of health care reform. It’s one of those expected savings that will offset costs – the very ones that Republicans say don’t exist.

Obama isn’t proposing to get rid of Medicare Advantage – he’s just recommending to take away the extra subsidy they get beyond what medicaid gets per person. Why should insurance companies get paid MORE to compete with the government – if those companies are so much more efficient?

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Your Questions About Long Term Care Insurance Cost

Donald asks…

Does health care reform influence the insurance market?

And more specifically, how does it affect premiums and how health care is distributed, and the way people purchase it?

I’ve been reading into how the free rider aspect can negatively influence the cost of health insurance and what that cost means to taxpayers. But does the health reform bill change how people choose to purchase insurance, such as what type? Will people purchase more short-term insurance for instance, over long-term insurance simply to fulfill the mandates?

And how does this change competition between providers? Are providers harmed?

Websites with information would be helpful. Thank you.

Medicare Insurance AZ staff answers:

Absolutely it does. Just look at the current result of the health reform act – you can no longer buy a child only health insurance policy, and maternity benefit options are rapidly drying up for individual policies. They’ll be gone before 2014, due to the “preexisting condition” exclusion not being allowed.

Prices are skyrocketing. Already, the cap has been lifted on lifetime coverage limits for children, and preexisting conditions can no longer be excluded for them. Estimates for coverage price increases come January 1st, are 25% to 40% across the board. This is to cover the extra costs, associated with elimintating caps on very sick children, and mandating coverage for preexisting conditions for them.

The result will naturally be, fewer people will be able to afford to buy health insurance coverage. Yep, we’ll have FEWER insured people. Also, the people good at math, will realize it’s cheaper to pay $700 fine, once a year, and only buy coverage when they have to file a big claim, than it will be to pay $500 every month, and ALWAYS have insurance in place. That “adverse selection” issue will have to result in the insurance companies coming up with a method to incentivize healthy people to buy health insurance, to offset the unhealthy people.

I think people aren’t going to bother to comply wtih the mandates. It’s cheaper not to. Just like welfare payments pay more, to women with children who are not married, giving them incentives to have children outside of marriage – this system encourages people financially to NOT buy insurance.

Ruth asks…

Do we need a public option for catastrophic or for long-term high-cost treatment?

For costs that the normal working family cannot afford?

I’ll pay for the asprin out-of-pocket with no insurance middle-man.

Let govt health-care pay for the chemo or the transplant — the really big-ticket items.

Let govt health-care pay for expensive meds for long-term illnesses

That way the govt will not be nickel and dimed on small items

Medicare Insurance AZ staff answers:

That’s not a bad solution. We could actually just have a government subsidy on catastrophic care insurance. It wouldn’t cost that much to pay premiums an stuff you hardly ever use. If you check out H.R. 3400, the republican health care bill, that’s pretty much how it works. Each individual gets a $2000 tax credit to pay insurance premiums. You can spend more if you want, but that would be enough for catastrophic coverage. Then you pick your insurance company and the government forwards your payment to them. For all the day to day stuff, its cheaper to just pay for it yourself. The only thing to worry about is companies dropping your coverage, but consumer protection is included in the bill.

Jenny asks…

How many of those who are supporting Obama’s health care bill ?

How many of those who are supporting Obama’s health care bill requiring everyone to purchase health care insurance in order to cover their health care costs are willing to purchase or have purchased long term care insurance in order to cover their long term health care costs which are not paid for by any health insurance ?

How many of those supporting Obama’s health care bill requiring everyone to purchase health care insurance would also support a bill requiring everyone to purchase long term care insurance ?
Blue – You are completely wrong. Health Insurance does NOT pay for ANY long term care beyond 90 days.
Long term care costs are already dwarfing health care costs .
In NY people are in Nursing Homes where long term care costs over $ 12,000 per months every month 12 months a year.

Medicare Insurance AZ staff answers:

I don’t support any of it, although I am a HUGE advocate of LTC insurance.
Perhaps those who will benefit from the benefits that Medicaid provides for nursing homes who DO NOT own a home should have to pay more toward that end, but homeowners (who must sell out in order to receive Medicaid LTC benefits) shouldn’t have to pay extra. They have paid with their livelihood, in the form of a house.

Steven asks…

Why does Senator McCain “stand up for seniors” when there are Medicare cuts for private insurance companies?

which doesn’t add much but a gym benefit, but does not want seniors to be able to buy into long term care through the government? The fact that nursing homes and assisted living facilities cost from $2,000-$5,000 a month and up. Why is it that McCain sides with long term care insurance companies in this instance? If he so protective of seniors? This would be great and it would not take their whole life savings just to be put on welfare in the end. McCain is all for the insurance companies. Why are people so naive?

Medicare Insurance AZ staff answers:

If he were president, he would have cut about a trillion from medicare.

That’s what he said during the campaign.

Charles asks…

Having a problem finding the unique angle in this article. Plz Help!?

Newsweek Homepage
Newsweek’s Education SiteInside Legacy AdmissionsCute, Cuddly, and Contagious MSNBC Homepage
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Stories Topics Authors Search
Close Search Cost of Long-Term Care Rises

■6 Alternative Investments
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■Do You Need This Insurance?
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■8 Tales of Corporate Comebacks
The costs of nursing homes and other assisted-living facilities continue to rise significantly, according to the Market Survey of Long-Term Care Costs conducted by insurance provider MetLife.

Private-room nursing-home rates rose 4.6% in 2010, increasing to an average of $229 per day or $83,585 per year, while assisted living rose 5.2% on average to $3,293 per month, or $39,516 per year. These come on the back of a 3.3% increase in price for both nursing home and assisted-living facilities from 2008 to 2009.

“The cost of care in nursing homes and assisted living has been and continues to be high, and in the past year, the increases have even outpaced medical-care inflation of about 3 percent,” Sandra Timmermann, director of the MetLife Mature Market Institute, said in a press release. “As the population ages, there are more and more people among us who will need long-term care.”

One piece of good news is that costs for home health aides and adult day services were unchanged in the past year. Home health aide costs remain at an average price of $21 per hour, while adult day services costs are still $67 per day.

The need for a cost-effective alternative to full-time care has helped the adult day services industry grow during the past few years, too. According to the survey, there are more than 4,600 adult day service centers nationwide, a 35 percent increase since 2002. During that same period, those served by these centers have increased by more than 100,000.

By comparison, nearly 1 million people live in approximately 39,500 full-time assisted-living residences in the U.S., according to current estimates from the American Association of Homes and Services for the Aging. The average age of an assisted- living resident is 86.9 years old, and the median length of stay in assisted living is 29.3 months.

“While families continue to provide the lion’s share of care, paid care is commonly part of the equation and the costs can derail even the best financial plan,” Timmermann said. “There is very good reason for individuals and families to look into savings plans, annuities, and long-term care insurance to hedge the possibilities.”

MetLife’s Mature Market Institute has conducted surveys since 2002 with annual updates. This year’s survey was conducted by telephone between May and August 2010, by LifePlans, Inc., for the MetLife Mature Market Institute. Costs were calculated for each service provider in an area and aggregated across all providers to compute statewide averages.

The survey found that Alaska was the state with the highest average daily rates for nursing homes, where prices per day were $687 for a private room and $610 for a semi-private room. Costs were lowest in Louisiana with an average of $138 per day for a private room.

The Washington, D.C., area had the highest average monthly base rate for assisted-living facilities with prices per month of $5,231. Arkansas had the lowest average monthly rate of $2,073. You can find a full breakdown of costs by state in the report.

Medicare Insurance AZ staff answers:

Not sure if there is really a unique angle… This has been done before.

One thing to note is that the survey is paid for by an insurance company, and right in the article the person from that company uses it to make a plug for the type of product they sell. So it’s not quite unbiased.

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Your Questions About Term Life Insurance

Paul asks…

What’s a great website about cheap term life insurance with an rss feed?

I’m creating an informative site, about cheap term life insurance, but I don’t want to have to write out a bunch of information, or upload a bunch of articles. Where can I get a great feed from, preferably with pictures, and feed it into my site?

Medicare Insurance AZ staff answers:

You can go for image feed search which are most relevant to your website theme

Helen asks…

What’s the point of paying my premium if my term life insurance is expiring next month?

i have term life insurance that i signed up about ten years ago that is going to expire soon. what’s the benefit of paying my balance if the policy is going to expire?

Medicare Insurance AZ staff answers:

The only point would be to have coverage in that last month. You could get hit by a car tomorrow…you never know. The other point would be if you are looking to convert the coverage to another term or to a whole life product after it expires if that is an option available to you. By converting it you don’t have to provide medical information or any other underwriting in most cases, which might be important if you have any health issues, etc.

If you don’t plan on renewing/converting it and you feel pretty invinsible for the next month, then I suppose it’ll save you a couple bucks by not paying it.

George asks…

Exactley how does term life insurance work?

Whats the difference between regular life insurance and term?How does term work?

Medicare Insurance AZ staff answers:

OK, term is PURE insurance – a straight bet on whether or not you’ll die, within a certain time period. I LOVE term insurance.

“Regular” life insurance would be whole life, universal, variable, etc – where they’ve added gimicky extras to it, at about 10X the price of term insurance.

Don’t worry about the labels – think about what you want the insurance to do for you. PIck the product AFTER you’ve set the goal.

Me, I want my kids to be able to go through college, and hubby to hire a nanny, if I kick off. When the kids are grown, we have no more need for life insurance, according to MY financial goals, so we have term.

John asks…

Should I get private term life insurance?

I’m 39 and have life insurance through my employer. I could probably obtain private life insurance for the same rate.

Is it wise to get non-employer term life insurance now (before I’m 40)?

I may not stick with my current employer for another ten or twenty years, but I’ll probably be here for a few years. Is there any downside to waiting to obtain term life insurance elsewhere?
Solution243–Looks like you have no real answers but send everyone garbage links (for scam, perhaps?). Or maybe the same link (from you) really does answer both this question AND someone else’s question about how much he should be paid for working at a deli in New Jersey.
I work for the federal government. The rate is decent, though I might be able to get a little better.

Medicare Insurance AZ staff answers:

It is a good idea to think about this now. And, yes you should get term life insurance because your employer’s insurance is usually not transportable. Meaning you can’t take it with you.

Why do you want insurance? What do you expect it to do for you? Do you really need it?

If you are single, you may not need it, or you may need quite a bit less than you think. Married, homeowners with kids- now you NEED it. Especially, if you do not have enough in liquid assets to cover needs for the next ten to fifteen years.

Look to companies who only use Level term insurance with no conversion policy, one policy to cover an entire household, and a policy that covers both existing children and future children for the same single premium. Be sure they will also complete a complimentary financial outlook survey for you, to be sure of you needs.

Ruth asks…

What does Term Life Insurance mean with no surrender value?

If I had a 15 year Term Life Insurance at $100,000. with no surrender value. What would it be at the end of 15 years. Can I collect the full amount on this type of insurance?

Medicare Insurance AZ staff answers:

Term life insurance doesn’t build any cash value. At the end of the term, you may be able to renew it or convert it into another life policy. If you die during the term, your beneficiary gets $100k. If you cancel the policy at anytime, you get no money back. You may get a refund of excess premiums you paid (depends on how often you pay, such as yearly payment).

I don’t know your situation, but $100k coverage seems small. In the area I live, the average face amount my company issue is around $500k (national average is $275k) on husband and wife for a total coverage of $1 million.

Anyway, you might want to recheck if $100k is enough to cover your family’s finances and also check if 15 years is all you need to build wealth for retirement.

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Your Questions About Medicare Part D

Nancy asks…

Are the Republicans ready to defund Medicare Part D?

Medicare Insurance AZ staff answers:

Republicans don’t need to do anything, Medicaid is already going broke.

Liberals are the ones who ultimately broke medicaid, for expanding Medicaid far beyond the intended purpose.

Carol asks…

How could you forget about 2 wars kept off the books & Medicare Part D and now blame Obama instead of Bush?

It wasn’t that long ago when Bush said “Iraq’s oil will pay for the war”, Cheney said “They will greet us as liberators”, and Republicans passed Medicare part D in the middle of the night… Is our combined American memory this poor? Is it really fair to blame Obama for the 14 trillion dollar deficit when it was his predecessors that ran up the bill without raising any revenue (i.e. Bush’s tax cuts for the elite)?
Texas… Obama spent more time in office in his first 8 months, than Bush did in 8 years.
Crash… Republicans held the unemployed hostage for those Bush tax cut extensions, what was he supposed to do?
Ellisdee… You fail to see the point that he is still paying for Bush’s spending spree.

Medicare Insurance AZ staff answers:

Ha Ha! Nice going CBOLAR, judging from the answers, it looks like you hit some sensative nerves.

Sandra asks…

What is the Democratic Party’s answer to Medicare Part D?

Medicare Insurance AZ staff answers:

Research it. The Part D was a $600 billion give away to drug makers. They wrote the legislation. When Hillary tried to get this in Congress the Drug companies demonized her with about $4 billion. Nice return on investment. What we need is price controls and the Drug Companies do not want that. I pay $1 each for my pills, research finds that .08 is raw material and .12 is transportation. That is 80 cents in profit.
Greed takes over in Congress every time. Look up what the Drug makers give Republicans.

Mark asks…

Why didn’t conservatives speak out against Medicare part D?

Are these the same people in the town halls that we see today?
Sophie. Sounds good to me, let’s get rid of medicare, medicaid, and social security too.

While we are at it, let’s abolish the federal reserve, and the IRS.
Actually Sophie, you are right, we should charge Bush with war crimes too.

When you say “lib”, are you talking about “liberal” or “libertarian”? Do you know the difference?
expertgal – How in the world is the IRS preventing corruption?

Medicare Insurance AZ staff answers:

Medicare part D is public funding for private pharmaceutical companies.

Conservatives have no problem at all with no bid contracts that hand over billions and trillions – however it must remain private and our tax money must subsidize it to go down smoothly in their throats.

It is known as corporate welfare – the same system that hitler fought and died for – now carried out in our country by preston scott bush’s grand son (a nazi supporter preston that is) and obama being the disappointing idiot that he appears to be is also in favor of subsidizing the disgustingly wealthy with our tax dollars.

You know idiots it is one thing to screw over the working poor and another to screw them over with our tax dollars.

America in town hall meetings appear more then willing to sell their rights and pay for them all in one movement – proof the the dumbing down of a once great nation.

We have become a country where laws only apply to the poor citizens – a country like the one our forefathers left.

Ken asks…

Medicare Part D drug plan forbids the govt from negotiating lower prices with the drug companies: Good idea?

Medicare Insurance AZ staff answers:

Nope the V.A. Negotiates and receives about a 30% savings as a result so you gotta ask WHY doesn’t the administration want to to this, are the beholdin’ to big Pharma, you bet your backside they are, our government and the large corporations are in bed together but we’re the ones getting SCREWED

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Your Questions About Medicare Insurance Coverage

Donald asks…

Why are people on Medicare happier with their coverage than people with private insurance?

Why do people like a single-payer government-run health insurance plan more than they like private insurance?

Source:
http://www.commonwealthfund.org/Content/News/News-Releases/2002/Oct/Survey–Medicare-Beneficiaries-Report-Greater-Satisfaction-With-Insurance–Better-Access-To-Care-Tha.aspx

Medicare Insurance AZ staff answers:

I would take FREE over PAY any day also. But that isn’t what the GOVT is offering, no matter how much kool aid you drink to try and believe it.

George asks…

Doesn’t Medicare deny coverage? So how can Obamacare say no denial for preexisting conditions?

I am just trying to figure this out. I am not trying to be a smart butt. According to what I heard,
Medicare has a higher denial ratio than does private insurance companies. So if Medicare regularly
denies coverage, why should anyone think Obamacare isn’t going to deny coverage? I am just trying to make sense of it. Thanks.

Medicare Insurance AZ staff answers:

First of all, the requirement to cover pre-existing conditons has nothing to do with Medicare. It is for direct pay plans for everyone not in Medicare or other programs.

Medicare is not an insurance company. Several people have been posting a statistic that indicates Medicare has a higher rate of claim denial than the big insurance companies. I had a look at the published source which did not explain why there were denials. I figured out that these figures were taken out of context from one source, copied to look like authentic reliable sources and put into a question on YA. The fact is Medicare gets claims from providers and suppliers, not patients, and is required to pay them within 30 days. The only time they deny claims is if they are suspicious or fraudulent. And there are plenty of those. That accounts for a delay while they are investigated.They do not take claims directly from patients.

What you call Obamacare has not changed the programs we currently have. It adds to them. We don’t yet know all the changes but it is a 10-year projected plan and will be tweaked, revised over time as needed, I would think.

Everyone is upset about having to buy insurance but no one minds if you have to pay your employer from your paycheck for group insurance. This is better because it is your own policy and you choose from a bunch of them on an exchange and you may get a subsidy to pay for it.

Michael asks…

Do you know of health insurance coverage in the philippines?

I have a relative in the philippines who is in and out of hospitals and so it can become costly. I would like to know if there are health insurance like here in the states such as a government type insurance like Medicare or private ones? It would be less worrisome for me knowing that whenever an emergency arrives, my relative will have insurance to cover whatever cost without waiting to receive money from me to get the medical attention

Medicare Insurance AZ staff answers:

The Government health insurance here is Philhealth. It only costs P100 a month and will cover a family of four. Good news is every citizen is eligable. Bad news is it takes six months to become effective and only covers 25% of the bill up to P100,000. Not great, but better than nothing. There are private health insures that cost way more, the problem there is they all have pre exixiting conditions clauses. With a relative in and out of the hospital it’s obvious they have pre existing conditions that would not be covered by the more expensive insurers like Philippine Blue Cross etc.

Evan with Philheath you pay upfront and wait for reimbursement. Sad but true here if you don’t have money , you don’t get treatment and rarely does the baranguay carry the more expensive meds like antibiotics.

Betty asks…

If the cost of INSURANCE is the problem, why has Medicare gone bankrupt?

Democrats are constantly telling us that their health care ‘reform’ is needed, in large part, to cut the cost of insurance and stop insurance company abuses.

But if this is the case, if insurance companies are the problem, why is medicare bankrupts? Why are states like Virginia having to reduce funding for Medicare and deny coverage to patients who use Medicare? ‘Insurance company abuses’ have nothing to do with the cost of Medicare. So why is Medicare costing the government so much? And what does the government intend to do to reduce the cost of Medicare other than to deny patient’s care and service?

Doesn’t this come back to the fact that the problems with health care is not the cost of insurance, but the rapidly growing cost of the health care itself? And if so, what does the Obama administration propose to reduce the cost of health care?

I don’t see anything, but maybe I haven’t been paying attention.
@oft suspended: That ‘incredible rate’ has bankrupt Medicare. Medicare is not self sustaining and cannot cover the cost of needed health CARE. Your President has done NOTHING to address the cost of health CARE. Nothing. That’s sort of the point. He’s using a bandaid to ‘cure’ a cancer.
@itsamini: So does Medicare, which is why fewer and fewer doctors are accepting Medicare patients.

Medicare Insurance AZ staff answers:

Medicare is like ANY program the Govt. Runs, failing. And we have a President who has NEVER had ANY leadership experience ever in the private sector. And we have a president and Congress who are rejecting options that will actually improve the quality of care and lower costs, in TORT reform and making Health Insurance portable and in doing so increasing competition between companies, and would drive DOWN the costs of insurance.

Steven asks…

PET scan insurance coverage?

My mom had colon cancer that has now been in remission for two years. Her doctor wants her to do all kinds of testing, but will not tell her what will be covered under her insurance plan. My mom has both Anthem and Medicare coverage. Can anyone tell me how often a PET scan can be done per year and still be covered? Thanks!
Can approval be given by the insurance provider before the PET scan is done? My mom can’t afford the procedure so that cost would kill her! She just tole me a CT scan is done at that time too so can approval be given for both prior to haveing them done? Thanks for all your insight!!!
All of you are great! Thanks for your detailed explanations AND for wishing my mom well!!!
UPDATE: My mom called and got some lab work done. All was well AND she got approved to schedule her PET test. They said she didn’t need her CT scan. Thanks again for your insight!!!

Medicare Insurance AZ staff answers:

Her doctor has no idea what will or will not be covered under her insurance . . Everyone in the US has a different plan so it is almost impossible to know who might qualify and who won’t. In either case she needs to have the scans done . . Make sure the doctors office sends off the request to receive the appropriate ‘permissions’ . . We had to go through two steps to get this approved . . There is some type of ‘national clearing house’ that determines if it is ‘medically appropriate’ and than there is the insurance to pay for it. We never were turned down by either of them (we had Anthem and Medicare too).

We have had experience being turned down for different treatments though and here is what we did .. We did not get emotional but called the insurance company and explained . . We than had our doctors office also call to talk to the insurance company . . If we were still denied we would appeal the decision in writing . . We usually would ‘win’ the appeal and the insurance company would pay. I do know others who sometimes went another round of appeals . . But in the end the insurance would pay. The PET is something your Mom needs and is the entire reason she has health insurance to begin with . . Insist that the insurance cover this for her . . But approach it diplomatically and don’t give up.

In general your mother should follow her doctors recommendations for the frequency of the PET scan . . And insurance should cover it. And, yes, approval is generally given before the procedure is done. If denied this benefit you should appeal to the insurance company and keep appealing until they agree to pay.

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Your Questions About Medicare Health Insurance Part B

Susan asks…

With all of the bluster and BS coming out of Washington these days about health care and it’s costs?

How can anyone support reform without the required details?

First the costs were set at a $1trillion “down payment” (is that just 10% of the true costs, a normal sized down payment).
Then the CBO states the costs to be $1.6 Trillion and only cover 1/3 of the uninsured (what about the other 2/3′s ?).
They have now proposed raising the Medicare tax(every wage earner pays this), slapping a 10-cents-per-can increase on sweetened drinks(almost every American drinks sweetened drinks), raising the alcohol tax, imposing a new payroll tax on employers equal to 3 percent of their health care expenditures and taxing employer-provided health insurance benefits above certain levels(taxing employers for your benefits is a tax on you). Also under consideration was a value added tax, a sort of national sales tax, of up to 1.5 percent or more, with housing, education, financial services and medical care potentially exempt(everyone makes purchases from clothing and shoes to utilities and detergents).

But with all these numbers and tax increase proposals flying around, does anyone really know what kind of “medical coverage” this entails?

Is it the “blue chip” program the members of Congress enjoy?
Doubtful.
Or is it more like Medicare?
Does anyone realize that Medicare premiums for those who have less than 7.5 years of qualifying work and are over 65 would be nearly $600 a month?(for parts A,B,D coverage) For 50 million uninsured, that alone would be $30 Billion a month or $360 Billion a year in costs and doesn’t even touch on what would be paid out in services or the 20% of costs not covered.

So what do you think of when “health care coverage for all” is bandied about in Washington?
What are your expectations?

http://www.mymedicarematters.org/AboutMedicare/costs.asp

http://www.medicare.gov/Publications/Pubs/pdf/11082.pdf

http://news.yahoo.com/s/ap/us_health_overhaul

Medicare Insurance AZ staff answers:

I don’t want to seem heartless, but frankly, I think that people should be responsible for themselves…and that includes health care options. I do not believe that it is the responsibility of others to care for me or protect me from myself.

Libertarian leaning conservative.

Betty asks…

The insurance do not want to pay 80% of the bill and I pay 20%.?

I am under 65 and recieve medicare due to a disability under my husband social security. (husband is decease) Medicar part A I have but did not choose to enroll in part B, because I was enroll in health coverage with the pension fund that the premiun was $161.00. The coverage plan BC.BS Hosp/Phys and OMM with Drug . I hand surgery . The insurance is saying beause I did not have part B of medicare, I would have to pay 80% and that pay 20% of the bills. How can I go about geting the bills pad from the insurance.

Medicare Insurance AZ staff answers:

You can’t. Once on Medicare it becomes the primary and your other plan the secondary. You should get part B

Daniel asks…

A question about health care in USA for elderly….?

If a person age 67 who has only income coming in of $1100 net per month has to go to the doctor for a check up, or if they are feeling under the weather, etc.. would medicare part B require them to pay an annual deductible of close to $1000 first before they qualify to only have to pay a 20% coinsurance on the rest of their medical costs…such doctors visits, Xrays, lab test etc….??
and what happens if this elderly person is so strapped for cash that they can’t really afford to pay this deductible and co insurance?

what happens then?

how would the situation be different in a different country like Great Britain?

Medicare Insurance AZ staff answers:

In the US, while medical bills can grow quite quickly, the elderly would be seen and treated immediately for their problem, and then be billed for the rest. Medical collections are severely restricted, unlike any other category of collections. As long as you agree to pay something each month, and meet that obligation, the amount paid each month can be tiny and you are still compliant. So, ultimately, they would be treated, and have staggering bills they would have the option to pay over a long period of time as long as they complied with their agreement to do so.

In Great Britain, the bills would be small to none on the face, although they would have been paying National Insurance Contributions, so it is not quite as free as it seems. They would, however, have longer wait periods to see their doctor, and a shorter time on average with that doctor than their American counterparts. Ultimately, they would have smaller bills up front, but would make up a fair amount of the difference in “contribution” and would have to wait much longer for the service. Anyone who points out that the “government” pays for health care, as so many defenders of socialism will claim, conveniently forgets where the government gets its money.

Joseph asks…

How can I convince my husband to let me get insurance?

I have Bipolar. I just got disability in April so I have to wait until April 2011 before I get medicare. I will have to pay $110.00 just for part B and A. Then part D for prescriptions, I am figuring out because that will be my prescription drug coverage and apparently you have to pay $40.00 to $100.00 for that depending who I go with.

My husbands insurance will not cover me because of preexisting condition and I have to wait a year. He changed jobs after being unemployed for 2 years since he lost his job from GM. He did not get Cobra because we really could not afford it. In the meantime he got appendicitis and we had to file bankruptcy.

I found two great deals through Humana and United Health Care. I want covered if I have a medical emergency. Because we can not file bankruptcy again and we are actually getting our credit score back up! I have enough for my psychiatrist and medication which is important. He has me on a sliding scale (I have paid him enough over 10 years) which I am grateful. I can afford my prescriptions because of Walgreens plan for uninsured individuals. It is great!

I wish he would let me get insurance. He did give me the OK to get vision and dental. But I need medical insurance. Then I hear people talk and see commercials on TV that you need supplementary insurance for medicare because apparently medicare does not cover a lot but I would still feel at ease just have that alone.

How can I convince him to allow me to get medical insurance? I am at a lost. We can afford it with the quotes I got!

Thanks!

Medicare Insurance AZ staff answers:

There’s no decision or discussion here. His insurance will cover you for anything that is not preexisting, and any other coverage you get will have a similar exclusionary period for the preexisting condition. If you believe that Humana or UHC will cover your preexisting condition immediately, you either misunderstood or were lied to; probably the former.

Chris asks…

“Universal Health Care”–a humongous lie?

People are desperate to believe that a government-run health care system will be a good thing. No matter what you assume, or are led to believe,to be true, the facts prove that the government does not run the health care programs is has now. Both Medicare and Medicaid are actually run by the same private insurance carriers who routinely deny claims for both everyone.

Here is the official list of “Intermediaries”:

SECTION II
PART A INTERMEDIARIES AND PART B CARRIERS ………………………………………………………………. 15
BLUE CROSS AND BLUE SHIELD ASSOCIATION…………………………………………………………………………..15
BLUE CROSS AND BLUE SHIELD OF ALABAMA…………………………………………………………………………..15
ARKANSAS BLUE CROSS AND BLUE SHIELD……………………………………………………………………………….18
FIRST COAST SERVICE OPTIONS, INC. ………………………………………………………………………………………….20
BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. ……………………………………………………………………21
ANTHEM INSURANCE COMPANIES INC ……………………………………………………………………………………….22
ADMINASTAR FEDERAL INC…………………………………………………………………………………………………………23
BLUE CROSS AND BLUE SHIELD OF KANSAS, INC. ……………………………………………………………………..23
ANTHEM HEALTHPLANS OF MAINE INC………………………………………………………………………………………24
BLUE CROSS AND BLUE SHIELD OF MISSISSIPPI …………………………………………………………………………25
BLUE CROSS AND BLUE SHIELD OF NEBRASKA………………………………………………………………………….26
ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC…………………………………………………………………..26
EMPIRE HEALTHCHOICE ASSURANCE, INC. ………………………………………………………………………………..27
HEALTHNOW NEW YORK INC.. …………………………………………………………………………………………………….28
NORIDIAN MUTUAL INSURANCE COMPANY……………………………………………………………………………….29
GROUP HEALTH SERVICE OF OKLAHOMA, INC. ………………………………………………………………………….30
HIGHMARK INC. ……………………………………………………………………………………………………………………………31
TRIPLE-S, INC. ……………………………………………………………………………………………………………………………….32
PALMETTO GBA, LLC……………………………………………………………………………………………………………………33
BLUE CROSS AND BLUE SHIELD OF TENNESSEE…………………………………………………………………………35
TRAILBLAZER HEALTH ENTERPRISES, LLC…………………………………………………………………………………35
UNITED GOVERNMENT SERVICES, LLC ……………………………………………………………………………………….37
INTERMEDIARY AND CARRIER DIRECTORY

http://www.cms.hhs.gov/ContractingGeneralInformation/Downloads/02_ICdirectory.pdf

The British system is, as one would expect, reflective of British thinking: there is a class system in Britain and this could not be more evident than in the way they finance health care. They do it through a payroll deduction scheme. This means, of course, that only the workers pay for the entire cost of the health care system while the wealthy, who usually do not earn wages, and whose investment income is not subject to payroll deduction, escape.

Medicare Insurance AZ staff answers:

The idea makes me a little nervous. I have a friend in Canada who recently discovered a breast lump – and the wait was FIVE MONTHS for her to even be seen for tests! That’s crazy.

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Your Questions About Medicare Supplement Insurance

Laura asks…

I am on SSDI and dont have insurance Help!!?

I have recently been approved for SSDI and I went to the Senior and disabled services they told me to apply for Oregon health plan. I did that and OHP told me I make too much money for that program $999.00 . I am married and my wife is disabled too she is on SSI she gets OHP because she is on SSI so do our two children. What is Medicaid? Is that a type of health insurance or just a supplement? I wont qualify for Medicare for two years as it looks now. What do I do? The people I have talked to at Social security and Oregon and Senior disabled services keep giving me the runaround. The lady at Senior and disabled services did not even know what Medicaid was.
Will I have to get Private insurance? I cant afford that.

Medicare Insurance AZ staff answers:

Healthquotes.awardspace.info – here is my health insurance plan. As I remember they can provide such a service.

Helen asks…

Why doesn’t medicare cover my GYN office visit?

I called my gyn to make an apt for my annual PAP test and the girl at the other end asked me what my insurance was. I told her I had Medicare and an AARP supplement. Then she informed me that medicare does not cover the office visit only the PAP test. The office visit is $175. I then asked her how can I have a PAP test without an office visit? She replied, “I know, a lot of people are angry about that, but that’s Medicare‘s rules”. Don’t you think that’s ridiculous? I bet that’s going to discourage women from getting checked.
The more I thought about it, the more ridiculous it sounded, so I called Medicare. The gentleman at the other end said: “I never heard of such a thing; perhaps they are billing us with the wrong code. Tell them to bill us with the 25 modifier. That will cover the pap smear, the pelvic exam and the office visit”. I thanked him and called the GYN office back. The girl argued that billing that way was illegal because Medicare doesn’t cover a wellness visit, etc. She even called the billing dept. that gave her this BS information and told me that they would not change their billing because it would be “illegal”. How can a Medicare worker give me an illegal code? To make a long story short, I cancelled my apt and made one with another gyn that does not charge extra for an office visit. Beware!

Medicare Insurance AZ staff answers:

Well, I just had my yearly checkup with my ob/gyn, PAP test and all — my office visit was completely covered by Medicare — maybe you should check with Medicare — I think your doctor’s office is trying to get a double pay — no offense, but Medicare totally covers this exam!

Lizzie asks…

Another question about Social Security!?

Thanks for all the great answers. Now I am a lot less confused.
How about this? I am now age 56. I love my job, and my family has long-life. My father lived to 94. I know that I cannot predict the future, but I would like to work until age 70, or older. Collect social security at age 70. Keep my employer insurance and supplement with medicare at age 65. I know almost everyone else I talk to is planning to retire as soon as they qualify for social security, no matter how much money they loose. Great for them. But I like my idea. What do you think?

Medicare Insurance AZ staff answers:

I think you are a very fortunate man. Most people are not that wild about their job, and the stress they experience at work robs them of some of their life span. They say stress kills, and it’s true. It eats away at your health and robs you of many of your retirement years by reducing your life span. One of the greatest gifts you can give yourself is the avoidance of stress.

Seeing that you love your job, your life span will most likely be longer than most because you won’t suffer from the ill effects of job stress. When I was 56, I thought I would work until I’m 70 too. But that wasn’t because I loved my job. It was because I was worried that I might not have enough money to pay for my food and shelter during my entire retirement years if I dared retire sooner than age 70. To make that story short, I ended up retiring at age 62 (not 70). I was able to do that because I was a planner–just like you. I was forever calculating what it would most likely cost me to live in retirement, how much I had managed to acquire, and how much more I needed. As soon as I saw that my financial situation would most likely work out for me, I started to look for an opportunity to exit from my work life into my retirement life.

My lifestyle choice (a modest one) allows me to feel very comfortable at $30K per year. From that I net $26K, spend $21K, and have $5K left over. This money comes from my employer’s pension plan for me, and interest I earn from my savings. In two more years, at age 70, I’ll start receiving another $30K in income per year because social security will kick in. Then I’ll be receiving a little more than twice the money I need to live on. So, as you can see, even though I’m far from rich, I’ll most likely die with money in the bank. But that’s possible because of my life style choice. People who have more expensive tastes and possibly want to live a flamboyant life style would need much more money than I do.

My advice to you is to continue to look at your financial situation to understand when it will allow you to actually retire. Once you figure that out AND achieve that goal, you’ll feel very light. It will be as though a weight has been removed from your shoulders. You’ll be at a point where you no longer have to work if you don’t want to. Well, I keep forgetting that you love your job, so for you it might not be a weight off your shoulders as much as it was for me. But it’s still refreshing to know that you really don’t have to work anymore if you should decide you don’t want to.

In closing, let me add that your choices about how long you work for a living, and how long you wait to receive social security benefits is a big gamble. You could very easily be in the middle of your big plan, and drop dead while still in the process. As you said, no one knows the future, but your’s looks very promissing both in life span possibility and in income possibility. So, create a flexible plan for yourself and go for it. I say flexible because you might run into situation that make it wise for you to tweak your plan a little. If so, then so be it. Do the needed tweaking.

Reading your question made me smile. It’s nice to see someone who is interested in planning his future to help ensure his retirement years will be pleasant ones.

Best of luck to you.

Susan asks…

I am a senior; now that the health care bill has been signed, what should I do?

I have no insurance other than Medicare. Right now, I’m being bombarded with ads for Medicare Supplement and Medicare Advantage plans. Won’t the new health care bill alter most of what these plans can offer? Should I choose one (even though it’ll probably be obsolete very shortly), or just sit tight with what I have for another year?
Thanks, guys for most of the responses so far. I especially appreciate those from “Meilin”, “handyman”, and “mrwizard.”
Thanks, “truth!” (sorry—I can’t seem to manage the inverted exclamation point on this keyboard).

“Cory”, thanks you for taking the time to respond; from perusing answers to others’ questions, I get the impression you’re quite young. As you grow older (and, presumably, more mature) you’ll find that there are issues that don’t call for flippant, “funny” quips as responses.
I’ve scanned over many of your responses, and I wish you’d do the same…you might start seeing a pattern that just might throw a little light on your very dark view of those who disagree with you. Incidentally, I appreciated your response to “Daisy’s” question—and not just because I agree with it. Take care, my friend!

Medicare Insurance AZ staff answers:

It was only signed today and they have not made the fixes yet, so wait until the dust settles before you decide anything. I don’t know why people are so unnerved by the bill. If you want a Medicare supplement to pick up the 20-30 percent Medicare doesnt pay you can buy that any time. You should wait to see if there are any changes good or bad before you do that. You have been getting by without Medi-gap apparently. We dont know the minutia of the effects the new bill has on Medicare yet because the changes cover a 10-year period. Two things that happen this year will be an effort to bridge the gap in payments for catastrophic prescription needs and a $250 rebate in lieu of the usual COLA.

Robert asks…

medicare for non seniors on ssdi?

from what i have found, most of the supplement plans are only for seniors…1 starts at age 55

Is the Medicare itself that same for people on SSDI as it is for peopleon SS retirement

I will not have any other insurance.
how is part D redundant for people on ssdi…

how else can i get rx coverage
i want A,B

not C…..

there are only 3-4 doctors that will work with people with my condition..
1 doesn’t take insurance at all..the others aren’t in ANY of the HMO networks–including the 1 PCP that won’t blow me off….i need to be able to have a willing PCP

Medicare Insurance AZ staff answers:

Yes it is the same. My brother had a stroke at age 40 and started receiving medicare benefits at age 42. His coverage is the same as that of my 85 year old mother, other than she has chosen traditional medicare and he carries one of the medicare advantage plans. Unfortunately you are going to find that many doctors only accept a certain number of medicare patients because medicare (like medicaid) pays less than the insurance companies do.
If you do not want medicare part c (which is the medicare advantage) then you will have to enroll in the original medicare plan.

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Your Questions About Medicare Advantage Cuts

Thomas asks…

Why Do Dems Want to Take Money Away From NAACP’s Poor Blacks who Have Medicare?

The national director of the NAACP recently scolded Dems for trying to cut back money that goes to Medicare Advantage.

40% of blacks on medicare use Medicare Advantage.

He was LIVID at Dems!!
Nancy,

How stupid do you have to be to lecture me instead of lecturing/calling the national director of the NAACP. He is the one who scolded Dems for trying to cut NEEDY blacks from Medicare Advantage. Duhhhh
Quit being hateful, Nancy.

Read on —>

In a March 14 letter to House members, Hilary Shelton, director of the NAACP Washington, D.C., Bureau, wrote that MA plans “disproportionately provide coverage to low-income and racial and ethnic minority beneficiaries.” He added, “By providing more comprehensive benefits and lower cost-sharing than traditional Medicare,” MA plans help minorities “gain access to health care services that are critical to their long-term health and well-being”
A letter written by the NAACP stated that 40% of blacks on medicare use MA —->

http://www.austin360.com/blogs/content/shared-blogs/washington/medicare_monitor/entries/2007/03/15/naacp_backs_medicare_advantage.html

Medicare Insurance AZ staff answers:

Dems hate when Bush does a lot to help blacks.

Paul asks…

Why Are Dems Trying to Hurt Millions of Poor Elderly People?

This is sort of ironic…

AARP and the NAACP are teaming up with Republicans to fight against Democrats’ desires to cut funding for Medicare Advantage programs.

The Dems say that the Medicare Advantage programs cost too much. Oddly, that money is helping the poor elderly and a lot of poor blacks.

There are over 200,000 elderly people in each of the following BLUE states that will be hurt if Dems cut Medicare Advantage — Ohio, Pennsylvania, Michigan, and New Jersey.

It’s funny to see the Dems try to convince the elderly and blacks to give up the help they are getting with medical bills.

Do you think Pelosi and Hillary and Kerry will tell the NAACP and AARP to get lost? I don’t.
It’s funny to see Libs on here argue against me when the NAACP and AARP are fighting against the Dems on this one!!!!!!!!!!!!!

Don’t moan about me. Call up the NAACP and AARP.
Listen as the Director of the NAACP Scolds Dems for cutting funding to Medicare Advantage —>

“On behalf of the National Association for the Advancement of Colored People (NAACP), our nation’s oldest, largest, and most widely recognized grassroots civil rights organization, I would like to express our deep concern about efforts to reduce funding for the Medicare Advantage (MA) program.”

http://www.austin360.com/blogs/content/shared-blogs/washington/medicare_monitor/entries/2007/03/15/naacp_backs_medicare_advantage.html

Medicare Insurance AZ staff answers:

From the WSJ?

The reason Democrats are fighting it is because it helps cover health care costs by privatizing some of the coverage.

Their stance on this issue makes it pretty clear that the Democrat’s don’t want any solutions to health care except for government run health care, even if private solutions work (as seen by their opposition to Medicare Advantage).

Edit: To nostradamus02012 and Jim W. Nice spin boys. Yes insurance companies will profit, but why is that a bad thing? You are ignoring the fact that seniors are OPTING INTO this program, meaning they see a benefit as well. Perhaps it is the added selections and choices that they have…..

John asks…

Why are republicans so upset about health care reform when?

it cost less than Bushes medicare Part D and Medicare Advantage bill ($1.2 trillion)?

it is less than 5% of the total health care cost in the US?

it is far less costly than Bushes tax cuts for the rich?

it is less costly that the Iraq war?

it is in theory paid for?

Medicare Insurance AZ staff answers:

They like the windfall profits for insurance companies but they don’t like the public sector parts of the bill. They are against government assistance in what has traditionally been exclusively a private sector industry. But with millions of people suffering and unable to get treatment, there has to be a compromise made. I am sure with a gigantic bill like this over the 10-year-period adjustments can be made to mandates if revenue streams increase.

They don’t really believe the capitalist system is in jeopardy of becoming a socialist model. That is just an aggressive tactic to limit the power of the government so their corporate friends can keep making obscene profits at the expense of ordinary Americans.

Mandy asks…

Do you believe that O’s tax increases will become law but his spending cuts won’t?

Obama says he will save $10 billion by capping payments to weathy farmers and billions more by scrapping other costly/inefficient farm programs. But don’t tell that to Rep. Collin C. Peterson, the Minn. Dem. who chairs the House Agriculture Committee. “We just finished the (latest five-year) farm bill last year, and I don’t think we’ll olpen it up” he informed the Washington Times. If O had really wanted to reform farm subsides, he would have taken a stand when it mattered and voted against that bill in the Senate. Instead, he supported the subsidizers.

For his other proposed cuts to take effect, O will have to make credible threats to veto appropriations bills that increase spending where he has called for decreases. ….. judging by the bloated builk of the stim. bill there is little reason for optimism that Obama-era Dems will fare better than their predecessors. IN FACT, Obama’s spending increases are LARGER THAN THE NEW REVENUE FROM HIS TAX HIKES. His deficit-reduction plan IS TO HOPE THAT THE ECONOMY IMPROVES.

What spending cuts we are likely to see are aren’t necessarily ones that we should cheer. O would fund his health-care plan in part by gutting Medicare Advantage, the program that lets seniors choose privately administered health-care plans that are paid for my Medicare. Eliminating Medicare Advantage has been a liberal priority for years, because it is a roadblock to INSTITUTING A SINGLE PAYER SYSTEM..

Obama promised to go through the budget “line by Line, ‘ looking for spending to cut. But in this task, as in others, he has sought the path of least resistance. The Left’s sacred cows appear to be safe.

In short, O’s budget raises taxes, increased spending and creates programs that are likely to put a drag on our economy, such as cap-and-trade.

The National Review
page 11
March 16, 2009

Medicare Insurance AZ staff answers:

Correct, the spending will pass and the cuts will not.

Also, the spending will not “sunset”, that is, the programs will not come to an end, but will instead go on year after year requiring an ever increasing rate of taxation.

Each time that spending programs are used, they are deemed “successful”. The simple fact that someone took the money is taken as proof that the program in question is a good one, and is “needed”.

Mary asks…

Do seniors feel stupid for voting for Obama now?

The government-subsidized benefits that seniors on Advantage plans receive — often at premiums lower than Medicare premiums — are real, and are legitimately in danger in some cases if Democrats succeed in their health care overhaul.

Medicare Advantage subsidies are on the chopping block to pay for the overhaul. Though there are marked differences between House and Senate versions, both bills would lower payments to private Medicare Advantage plans, which on average cost the government 14 percent more than traditional Medicare.

The harshest critics of the Advantage program say patients are exchanging hassle-free coverage for a plan with cheap perks that may ultimately deny them necessary treatment.

“They’re giving special benefits that are valuable,” said Mary Johnson, policy analyst for The Senior Citizens League, a nonpartisan, 1.2-million-member group. “But what people don’t understand are the trade-offs.”

Though AARP — which lends its name to a Medicare Advantage plan — and other senior advocacy groups support the Advantage cuts, it is likely that at least some seniors will see their premiums rise, benefits cut or plans close.

Medicare Insurance AZ staff answers:

If they don’t, then they should. It is awful what he intends for them.. He may as well line them up and shoot them.

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Your Questions About Medicare Vs Medicaid

John asks…

Do you agree with this?

It is a little lengthy, but worth the read. I agree wholeheartedly!

Walmart Vs. The Morons
Wal-Mart First:
1. Americans spend $36,000,000 at Wal-Mart , every hour of every day.

2. This works out to $20,928 in sales every minute!

3. Wal-Mart will sell more from January 1 to St. Patrick’s Day (March 17th) than Target sells all year.

4. Wal-Mart is bigger than Home Depot + Kroger + Target +Sears + Costco + K-Mart combined.

5. Wal-Mart employs 1.6 million people, is the world’s largest private employer, and most speak English.

6. Wal-Mart is the largest company in the history of the world.

7. Wal-Mart now sells more food than Kroger and Safeway combined, and keep in mind they did this in only fifteen years.

8. During this same period, 31 big supermarket chains sought bankruptcy.

9. Wal-Mart now sells more food than any other store in the world.

10. Wal-Mart has approx 3,900 stores in the USA of which 1,906 are Super Centers; this is 1,000 more than it had five years ago.

11. This year 7.2 billion different purchasing experiences will occur at Wal-Mart stores. (Earth’s population is approximately 6.5 Billion.)

12. 90% of all Americans live within fifteen miles of a Wal-Mart.

You may think that I am complaining, but I am really laying the ground work for suggesting that MAYBE we should hire the guys who run Wal-Mart to fix the economy.

This should be read and understood by all Americans Democrats, Republicans, EVERYONE!!
To President Obama and all 535 voting members of the Legislature,
It is now official you are ALL corrupt morons:
Now for the Morons:

A.. The U.S. Postal Service was established in 1775. You have had 234 years to get it right and it is broke.

B.. Social Security was established in 1935. You have had 74 years to get it right and it is broke.
C.. Fannie Mae was established in 1938. You have had 71 years to get it right and it is broke.

D.. War on Poverty started in 1964. You have had 45 years to get it right; $1 trillion of our money is confiscated each year and transferred to “the poor” and they only want more.

E.. Medicare and Medicaid were established in 1965. You have had 44 years to get it right and they are broke.

F.. Freddie Mac was established in 1970. You have had 39 years to get it right and it is broke.

G.. The Department of Energy was created in 1977 to lessen our dependence on foreign oil. It has ballooned to 16,000 employees with a budget of $24 billion a year and we import more oil than ever before. You had 32 years to get it right and it is an abysmal failure.

You have FAILED in every “government service” you have shoved down our throats while overspending our tax dollars.

AND YOU WANT AMERICANS TO BELIEVE YOU CAN BE TRUSTED WITH A GOVERNMENT-RUN HEALTH CARE SYSTEM ??

Medicare Insurance AZ staff answers:

Only about 250% correct, and I agree.

WinonaGal:
Either you cannot read labels, or just have a mad on for WalMart, as they probably have less of their goods on their shelves made in China than any of the stores you mention, Like Sears and Target.
Just about every item in Sears, with the exception of the Craftsman line of tools is made in China, and their cheaper line of tools is made in Taiwan, which is China.
Target for sure resembles a Chinese flea market as does just about any other store in America, including some of what they consider “high end stores” like Macy’s and the like.
I have found more articles made in America in Wal MArt than any of the stores you mention.
You also made a comment regarding American flags being made in China, so what else is new, when you consider our government is having much of the military uniforms for the US made in China, and just about all of the VFW posts around the country are also selling Chinese made American flags, so it’s not just WalMart.

William asks…

Do you know what percentage of the federal budget is spent on entitlements?

The most recent answer to this is 62%. WTH do people in congress think they are doing?
Who could EVER maintain that ratio of spending? We have let this get too far out of hand, with Those in Washington promising everyone everything, and no one keeping track of just how much spending is going on….

Obama is really making things much worse, by almost quadrupling the spending.

Won’t we be bankrupt if this isn’t stopped? WHo wants this to continue? Do liberals want this to keep going? When will they realize that we cannot provide everything to everyone?

That is, unless they want to confiscate all wealth and then redistribute that as well.

How do we stop this nonsense?

excerpt…
According to Congressional Budget Office records, federal outlays for mandatory spending were 33.8% in 1965 vs. 59.9% in 2005. They were highest in the Clinton years: 60% in 1995 and up to 62.6% by 2000. Source: CF&P Foundation article “Prosperitas”, April 2007.

From a Washington Post article in 1997 called “Americans Oppose Cutting Entitlements to Fix Budget”, the authors state that “…many [Americans] are unaware that entitlement programs consume more than 60 percent of the overall budget…”

A book “The Complete Idiots Guide to Economics” written in 2003 cites the U.S. Government budget as reporting that entitlements make up approximately 65 percent of our budget, distributed as follows:
Social Security: 23%
Medicare: 12%
Medicaid: 7%
Other Means-tested entitlements: 6%
Mandatory payments (pensions, etc.): 6%
Net interest on debt: 11%

In 2005, Senator Judd Gregg, then Chairman of the Senate Budget Committee stated that “Mandatory entitlement spending now represents a whopping 55 percent of all federal spending. If left on its current path, that could jump to more than 60 percent in 10 years. That will force us to cut out other necessary expenditures or raise taxes and weaken our economy.” Source: The Hill newspaper, Washington DC.

A paper written by Congressman Randy Forbes in April of 2008, “The Challenge of Giant Entitlements”, states that “Entitlement spending, or government spending that takes place automatically every year without any action from Congress, is currently 62 percent of our overall federal spending.”
Hawkeye: You mean because the libs have so many people used to living of the scraps that the govt hands out…you may be right. We will have to wean the people off the nanny state a little at a time

Medicare Insurance AZ staff answers:

By the time today’s college grads hit retirement, payroll taxes will need to increase to 37% to meet today’s promised liabilities. Add 20% for federal income tax, and ~6% for state income tax (on average) and that is over a 60% confiscation of wealth. Doesn’t leave much to live on.

Linda asks…

Do Liberals know how free market capitalism really works, or just point the finger?

MAKE SURE YOU READ ALL THIS BEFORE YOU TRY TO SHOOT IT DOWN WITH YOUR “LOGIC”

Free Markets means that there is minimal to zero government regulation in that market place and the competition thrives.

Now let’s go over the markets Liberals demonize.

Banks – They have government regulations up the wazoo making it less competitive.

Source is here: http://www.bankersonline.com/abcsoup/abcsoup.html

Health Insurance is easy to explain why it is unaffordable. How do you as a health insurance company sell health insurance to someone that is over 65 and gets medicare for free? You can’t compete vs a free product (medicare). Not to mention “Medicaid” is free as well if you qualify for it. There is no medicare for auto insurance when you turn 65 you still pay for it your self.

So let’s be logical here, all the things liberals love to use like ipods, star bucks coffee, and recycled paper, is all done through free market enterprises. A bureaucrat NEVER in the history of everything we use today has ever produced anything we use.

So Liberals bash my system please with how evil it really is, if it is evil stop buying things from free market trade, and collect it from the government.

Medicare Insurance AZ staff answers:

I thought you said “pull my finger.” wrong section.

Carol asks…

What’s the best way to help and support my bipolar boyfriend? A solution with out meds?

I’m deeply concerned about my bipolar boyfriend. He doesn’t have health insurance for therapy or medication. Currently, he’s been using weed for self medication, but we’re spending way too much on it and can’t afford it lately. With out it, he can be defensive, depressed, and have suicidal thoughts, not too mention, questions if he should break up with me for my own sake, which is not what I want . He’s tried the local health department to see if he could talk to a therapist for free and was told to apply for medicaid or medicare government funded health insurance (which ever one that’s not for senior citizens), then was turned down because he, “didn’t have any hang-ups, family has never been on welfare, never been arrested, no children, and because he was a young white male.” He applied before he reached the age limit of 21 and now he’s 26, which would do no good to re-apply.

I try and be the best girlfriend, I can. I’m pretty sure I keep him sexually satisfied, try to keep him intellectually interested, try to give him much emotional support, try and make him smile, try and keep him positive about life, buy him stuff, try and take him on trips. I’d say the only thing wrong I might do is bitch, every once in awhile.. but hey I’m only female, we bitch sometimes. I don’t bitch anymore he does with me. Anyways, he says I make him happy, but I feel like I don’t. Also, I have a hard time noticing if he’s just mad or having a bipolar moment. I try and compare him being mad vs. his bipolar moments, and still can’t tell which is happening when. I feel like I’m failing his as his girlfriend and I just want him to be happy.

So, back to the original question. What’s the best way to help and support my bipolar boyfriend?

He said he was on paxil for like 3 years and it helped provide routine, but made him numb. He didn’t like it because he said he couldn’t get off, never laughed, never felt anything. He says, ” I’d rather being feeling something than nothing.” Is there a medication that will help control his chemical imbalance with out numbing him?

Is there any sort of government funding that can help provide health insurance or even to speak with someone?

This is very serious and I’m extremely concerned. Please help if you know anything about this.

Medicare Insurance AZ staff answers:

Bipolar disorder is a depressive illness.
The best bet is seeing a psychiatrist for a proper diagnostic and treatment. If for some reason that’s not an option or if he can’t afford therapy, read http://tiny.cc/wmis4/
In many cases depression will respond quickly to the use of this treatments (within a few weeks), but if this still doesn’t work, he needs to see a psychiatrist; psychiatric treatment for depression involves antidepressants and usually but not always, therapy.
Paroxetine (Paxil) is only one of many, many antidepressants out there.
You’re being so supportive, keep that way.

James asks…

Middle of the road common sense about healthcare?

Just think about this for a minute. The extremes on both sides are blurring the healthcare issue to keep everyone confused and fighting in hopes of getting their party agendas through, but are no citizens looking at these topics with an unbiased eye?

This is, first off, not about the non-working poor. People who are on welfare have 100% government paid healthcare through Medicaid. It’s not insurance as affects the rest of the population. They pay nothing for the policy and there are no copayments, etc. That’s fallacy #1. This isn’t about people who don’t work.

The other group who doesn’t work are people on Social Security, through either retirement or disability. They are covered under a government sponsored health insurance to which they contribute called Medicare. This is more like traditional insurance in that they pay a premium and have copays for medical services, prescriptions, etc.

The government is already involved in health insurance through these 2 programs that focus on the non-working in our society.

This is supposed to be aimed at the working poor. It would be insurance of the more traditional type where the government would negotiate a large scale insurance policy (like it did with Medicare) to take advantage of the savings. Individual policies can run to thousands of dollars a month, which most working people can’t afford. Many employers no longer offer healthcare as a benefit or negotiate a contract collectively for their employees to lower the costs somewhat, but then pass the entireity of the policy costs onto the employee making it, many times, cost prohibitive. This is, more and more, going to become the case since there are too many people competing for too few jobs so employers are now in the position of not having to woo personnel. The economy is such that it’s the employer’s market.

So we have the working poor who are living paycheck to paycheck, maybe working more than one job, and still not able to afford health care. What happens when someone gets very ill? They go to the doctors or leave it until it’s really bad, since they don’t have the money, and end up in the hospital with enormous bills. These bills are extra enormous since doctors and hospitals charge out of pocket people substantially higher rates than insured people. Insurance companies negotiate contractual fees with providers in their network and will only pay up to a certain amount for services. In some cases it’s astounding the differences. One practice I worked in had a difference of over $4,000 for insured vs. uninsured.

So you don’t have the money for the doc, no insurance, and now you have a huge medical bill. Bankruptcy has been rewritten so that it’s not really an option anymore (not that it helped the providers substantially anyway as there usually isn’t much to take and divide) so the providers spend a fortune on collections and writing off debt, which they then pass along to the next person in line, ie. you.

Now providers are not uninanimously against this. Many have embraced it because there is a stipulation for mandatory coverage. This means they will be dealing with far less in bad debt and can at least be assured of getting paid the insurance portion. Where the rub for them comes in is those negotiated contractual fees. Looking at Medicare as their example of government negotiated insurance, they are scared. The rates for Medicare are substantially lower than any private insurance. Can they still make a living? Absolutely. They take Medicare because, if they don’t, they will have a smaller pool of patients to take. Some opt out, but if this is national, they will be even harder pressed to turn their noses up at it.

Medical costs are the highest in the country out of the entire world. Medical inflation is rampant and, unlike most things in a free market, you can’t always decide to just not purchase. Medical inflation has consistently outstripped regular inflation every year for the last 20 years. That means that the devices they use and the labor they purchase, the ground and construction of facilities, has not increased enough to justify their increase in price. Pharmaceutical companies stand to make more because most people are opting generics over the name brand prescriptions (some of which are several hundred dollars per treatment or month, for long term meds) and having insurance means that when the new meds come out, before generic are legally allowed (to protect R&D and keep companies encouraged to continue finding new meds) they will be allowed to charge their assinine prices and have people submit because they are paying $60 instead of $20. Much easier than the “it might work” generic at $50 OOP to $400 for the “this is the ticket” name brand.

The scariest part of this whole plan for the working poor is what are these “mandatory” rates going to be? Are they going to be equally unaffordable? Now you are violating the law if you don’t
I understand it’s long. I thought that people who actually care might have been willing to read an actual thorough analysis. I don’t do talking points like “Osama sounds like Obama” or scream one word slogans like “Nazi” at all republicans.

Medicare Insurance AZ staff answers:

Way to long, make it shorter and to the point.

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