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55tbird
July 22, 2014, 10:53am Report to Moderator
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The fix is in...
The admin has asked the full appeals court to rule on this...
Of the 11 judges, 7 were appointed by Democratic presidents..four by Obama alone..It will go AT LEAST 7-4 for the admin.. then the original plaintiffs will appeal to the Supreme Court...
who knows if they will even hear it.


"Arguing with liberals is like playing chess with a pigeon; no matter how good I am at chess, the pigeon is just going to knock out the pieces, crap on the board, and strut around like it is victorious." - Author Unknown
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senders
July 22, 2014, 3:53pm Report to Moderator
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they will pretend to have the discussion as the public would envision it


...you are a product of your environment, your environment is a product of your priorities, your priorities are a product of you......

The replacement of morality and conscience with law produces a deadly paradox.


STOP BEING GOOD DEMOCRATS---STOP BEING GOOD REPUBLICANS--START BEING GOOD AMERICANS

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Box A Rox
August 5, 2014, 7:22am Report to Moderator

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The modern conservative is engaged in one of man's oldest exercises in moral
philosophy; that is, the search for a superior moral justification for selfishness.

John Kenneth Galbraith

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Box A Rox
September 30, 2014, 8:27am Report to Moderator

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The modern conservative is engaged in one of man's oldest exercises in moral
philosophy; that is, the search for a superior moral justification for selfishness.

John Kenneth Galbraith

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JoAnn
September 30, 2014, 10:03am Report to Moderator
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I don't know where they get these projections. I just got my insurance packet yesterday in the mail, and my premiums have doubled and all of my co-pays have gone up and it is becoming more managed. I have to go to the pharmacy, the doctor and the hospital they approve of.

I receive medicare and carry an additional supplement. This is my first year without an employee provided health care. I still work, but if someone is medicare eligible, they have to use medicare and not insurance provided by your employer.

I have looked at so many other medicare supplements, but they all are pretty close in cost and coverage.

I have always had employer provided medical insurance. Maybe this projection is just for those who have been uninsured.
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joebxr
September 30, 2014, 12:30pm Report to Moderator

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You need to look around more.  You shouldn't have to be restricted to Dr, etc.  Anyone that takes Medicare is who
you should be able to go to. My supplemental hasn't changed...it changed the first time along with my Medicare
because of taxable income.  I have spent less in that last 12 mths on med insurance than I ever did through my employer.


JUST BECAUSE SISSY SAYS SO DOESN'T MAKE IT SO...BUT HE THINKS IT DOES!!!!!  
JUST BECAUSE MC1 SAYS SO DOESN'T MAKE IT SO!!!!!  
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55tbird
September 30, 2014, 12:43pm Report to Moderator
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Quoted from joebxr
You need to look around more.  You shouldn't have to be restricted to Dr, etc. Anyone that takes Medicare is who
you should be able to go to. My supplemental hasn't changed...it changed the first time along with my Medicare
because of taxable income.  I have spent less in that last 12 mths on med insurance than I ever did through my employer.


But you are if you are non-medicare ... Just ask any cancer patient that tries to go to one of the major cancer centers that are not approved..


"Arguing with liberals is like playing chess with a pigeon; no matter how good I am at chess, the pigeon is just going to knock out the pieces, crap on the board, and strut around like it is victorious." - Author Unknown
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JoAnn
September 30, 2014, 1:14pm Report to Moderator
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Quoted from joebxr
You need to look around more.  You shouldn't have to be restricted to Dr, etc.  Anyone that takes Medicare is who
you should be able to go to. My supplemental hasn't changed...it changed the first time along with my Medicare
because of taxable income.  I have spent less in that last 12 mths on med insurance than I ever did through my employer.


That is what I don't understand. My supplemental insurance sent me a book with the doctors, pharmacies and hospitals that are approved. They are referred to as in-network. Then there is a higher cost if I go out-of-network. I also thought that any doctor, hospital or pharmacy that takes Medicare would be ok to go to. I guess that, in my case anyway, that if you go to one that is not approved, or out of network, my supplemental insurance will only pay the in-network cost and then I would be responsible for the rest that isn't covered. (I don't know)

I am paying about the same premiums for my medicare and supplement as I did when I had my insurance from my employer. I am paying $10 less a month. But my medicare copays are more now.

Thanks for the input.
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joebxr
September 30, 2014, 2:53pm Report to Moderator

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Quoted from JoAnn


That is what I don't understand. My supplemental insurance sent me a book with the doctors, pharmacies and hospitals that are approved. They are referred to as in-network. Then there is a higher cost if I go out-of-network. I also thought that any doctor, hospital or pharmacy that takes Medicare would be ok to go to. I guess that, in my case anyway, that if you go to one that is not approved, or out of network, my supplemental insurance will only pay the in-network cost and then I would be responsible for the rest that isn't covered. (I don't know)

I am paying the about the same premiums for my medicare and supplement as I did when I had my insurance from my employer. I am paying $10 less a month. But my medicare copays are more now.

Thanks for the input.

My comment was misleading, sorry.  "Some" supplemental insurance companies allow you to go to any Medicare accepted Dr.
Like yours, mine also has huge book for in and out of network Drs., and I was lucky my Drs are al in-network.
As for co-pay, mine actually went down in JAN 2014 from 2013 and is much lower than copay thru employer insurance.
Ironic part is employer insurer and my supplemental insurance ARE THE SAME COMPANY!


JUST BECAUSE SISSY SAYS SO DOESN'T MAKE IT SO...BUT HE THINKS IT DOES!!!!!  
JUST BECAUSE MC1 SAYS SO DOESN'T MAKE IT SO!!!!!  
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senders
September 30, 2014, 5:28pm Report to Moderator
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NYS has medicaid houses that also have effect on medicare choices through the supplementals because they have to follow NYS
insurance regulations....

NYS is the firstborn of the ACA......

yes,,,,you will be managed like cattle....think not differently.....


...you are a product of your environment, your environment is a product of your priorities, your priorities are a product of you......

The replacement of morality and conscience with law produces a deadly paradox.


STOP BEING GOOD DEMOCRATS---STOP BEING GOOD REPUBLICANS--START BEING GOOD AMERICANS

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JoAnn
October 2, 2014, 10:38am Report to Moderator
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A friend of mine is 72 years old. She just got her medicare supplement packet in the mail. She was paying $58.00 a month. As of January 2015, she will be paying $117.00 a month, plus her $104.00 a month for her medicare. Her doctor's co-pays are unchanged. Her hospital stay will increase per day. They will be $150 a day for the first 5 days, then $295.00 a day there after. She said that she is going to look around for something cheaper, but she is concerned about the coverage since she has existing health issue.

She in the hospital for a heart issue last month. While she was in the ER, someone came to see her and wanted to know if how and when she would be paying her $150.00 ER co-pay. She was in the hospital for 5 days and this person came to see her everyday for payment. She didn't pay anything while she was in the hospital, but by the time she got home, she had the bills waiting for her in her mailbox.
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joebxr
October 2, 2014, 12:06pm Report to Moderator

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Quoted Text
As Medicare open enrollment nears, here’s what we know so far
BY Michelle Andrews, Kaiser Health News   October 1, 2014 at 11:07 AM EDT

Medicare beneficiaries who want to make changes to their prescription drug plans or Medicare Advantage coverage can do so starting Oct. 15 during the Medicare’s program’s annual open enrollment period. There will be somewhat fewer plans to pick from this year, but in general people will have plenty of options, experts say.

And although premiums aren’t expected to rise markedly overall in 2015 — and in some cases may actually decline — some individual plans have signaled significantly higher rates. Rather than rely on the sticker price of a plan alone, it’s critical that beneficiaries compare the available options in their area to make sure they’re in the plan that covers the drugs and doctors they need at the best price.

The annual open enrollment period is also a once-a-year opportunity to switch to a private Medicare Advantage plan from the traditional Medicare fee-for-service plan or vice versa. Open enrollment ends Dec. 7.

Although the Centers for Medicare and Medicaid Services has released some specifics about 2015 premiums and plans, many details about provider networks, drug formularies and the like won’t be available until later this fall. Here’s what we know so far:

Standalone Prescription Drug Plans

The number of Part D standalone prescription drug plans (PDPs) will drop 14 percent, to 1001 plans. This is the smallest number of offerings since the Medicare Part D program began in 2006.

Even so, “seniors across the country will still have a choice of at least two dozen plans in their area,” says Tricia Neuman, director of the Program on Medicare Policy at the Kaiser Family Foundation (KHN is an editorially independent program of the foundation.)

The drug plan consolidations that are driving the reductions in choices will likely shift many beneficiaries into lower cost plans, resulting in an average premium decline of 2 percent, to $38.95, according to an analysis by Avalere Health.

But that overall average premium obscures significant price hikes by some of the biggest plans. The average premium for the WellCare Classic plan, for example, will increase 52 percent in 2015, to $31.46, while the Humana Walmart RxPlan premium will rise 24 percent, to $15.67, according to Avalere.

Insurers are expected to continue to shift more costs to beneficiaries next year. The percentage of PDP plans with no deductible will decline to 42 percent from 47 percent, and,once again, about three quarters of plans won’t offer any coverage in the “donut hole” — the coverage gap in which beneficiaries are responsible for shouldering a greater share of their drug costs.

Underscoring the importance of evaluating plan options, 70 percent of standalone drug plan members will likely see their premiums increase if they stick with the same plans in 2015, said Ross Blair, senior vice president for eHealthMedicare.com, an online vendor.

Seniors, though, have historically not voluntarily switched plans in great numbers during annual enrollment. Between 2006 and 2010, on average only 13 percent did so, according to a 2013 analysis by researchers at Georgetown University, KFF and the University of Chicago.

Medicare Advantage

Enrollment in Medicare Advantage plans continues to grow: 30 percent of Medicare beneficiaries are now in the private plans, which typically are managed care plans that often provide additional benefits such as vision and dental coverage. Concerns that Medicare Advantage plans would disappear in large numbers as the health law gradually reduces their payments to bring them in line with the traditional Medicare program have proven unfounded to date. In 2015, the number of plans will drop by 3 percent, to 2,450, continuing a gradual decline.

“You still have lots of plans and robust selection,” said Caroline Pearson, vice president at Avalere Health, a research and consulting firm. Some parts of the country appear to be harder hit by plan reductions than others, including the Southeast and mid-Atlantic regions, Pearson said.

Medicare Advantage coverage has always been concentrated in health maintenance organizations, and this trend will continue in 2015. The number of HMOs will increase by 1.5 percent, to 1,747, while the number of preferred provider organizations will drop by nearly 9 percent, to 541, according to Avalere. About two-thirds of Medicare Advantage beneficiaries are currently in HMOs, while 31 percent are in PPOs.

The average premium will increase by $2.94 to $33.90, but nearly two-thirds of beneficiaries won’t see any premium increase, according to CMS. Like standalone drug plans, however, fewer Medicare Advantage drug plans will offer no deductibles and gap coverage, according to Avalere.

“It’s one example of how plans are tightening up coverage,” and pushing more costs onto consumers, said Pearson.

This article was produced by Kaiser Health News with support from The SCAN Foundation. Kaiser Health News is an editorially independent program of the Henry J. Kaiser Family Foundation, a nonprofit, nonpartisan health policy research and communication organization not affiliated with Kaiser Permanente.


JUST BECAUSE SISSY SAYS SO DOESN'T MAKE IT SO...BUT HE THINKS IT DOES!!!!!  
JUST BECAUSE MC1 SAYS SO DOESN'T MAKE IT SO!!!!!  
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joebxr
October 2, 2014, 12:26pm Report to Moderator

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Quoted from JoAnn
A friend of mine is 72 years old. She just got her medicare supplement packet in the mail. She was paying $58.00 a month. As of January 2015, she will be paying $117.00 a month, plus her $104.00 a month for her medicare. Her doctor's co-pays are unchanged. Her hospital stay will increase per day. They will be $150 a day for the first 5 days, then $295.00 a day there after. She said that she is going to look around for something cheaper, but she is concerned about the coverage since she has existing health issue.

She in the hospital for a heart issue last month. While she was in the ER, someone came to see her and wanted to know if how and when she would be paying her $150.00 ER co-pay. She was in the hospital for 5 days and this person came to see her everyday for payment. She didn't pay anything while she was in the hospital, but by the time she got home, she had the bills waiting for her in her mailbox.

Maybe this can help her. It's Humana Medicare Supplemental plans for 2015 rates.
https://www.humana.com/medicare-secured/view-all-plans


JUST BECAUSE SISSY SAYS SO DOESN'T MAKE IT SO...BUT HE THINKS IT DOES!!!!!  
JUST BECAUSE MC1 SAYS SO DOESN'T MAKE IT SO!!!!!  
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senders
October 2, 2014, 1:27pm Report to Moderator
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we'll never know the actual cost for services,
the wages will be managed,
the outcomes and what is considered 'top shelf' will be managed,
the patient compliance will be managed,
the cost of oversight will be hidden

WHITE WASH COMES IN MANY COLORS AND PATTERNS.....


...you are a product of your environment, your environment is a product of your priorities, your priorities are a product of you......

The replacement of morality and conscience with law produces a deadly paradox.


STOP BEING GOOD DEMOCRATS---STOP BEING GOOD REPUBLICANS--START BEING GOOD AMERICANS

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Box A Rox
February 17, 2015, 2:01pm Report to Moderator

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‘Medicare for All’ would cover everyone, save billions in first year: new study
http://pnhp.org/blog/2013/07/31/friedman-analysis-of-hr-676-medicare-for-all-would-save-billions/


The modern conservative is engaged in one of man's oldest exercises in moral
philosophy; that is, the search for a superior moral justification for selfishness.

John Kenneth Galbraith

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