Health Insurance Quote - Medicare / Medicaid

Medicare a model for US health insurance?

nospam@example.com (Todd Page) — Fri, 11 Sep 2009 09:14:52 -0500

Granted most Seniors like the way their Medicare health insurance works and most buy a supplement from private insurers to help offset what medicare does not pay.

Is this model however sustainable for the entire US population?

To learn more please click here: Medicare is Broke

Keep your private health insurance and Medicare...maybe not.

nospam@example.com (Todd Page) — Thu, 03 Sep 2009 07:34:00 -0500

Many Seniors are worried about the cut back that may happen with Medicare. The promises made by the current administration that "if you like your health insurance you can keep it" may not be all true.

To read more on this click here: Medicare advantage going away?

Medicare for the whole country?

nospam@example.com (Todd Page) — Tue, 18 Aug 2009 08:43:00 -0500

An recent argument concerning a public option mentions that if we do not want a public option that we shouldn't like Medicare either.

That's right we shouldn't like it.......

1) Medicare is already broke and only covers a very small percentage of the US population.
2) Fraud is out of control.
3) The government is in charge of policing our money although they think it's theirs.
4) The program was created by liberals a long time ago and it's the only option Seniors know.

So in other words Medicare works so well right now with care, and costs we should turn the whole country over to the same system. Now that would be scary....

To read more about why we should love Medicare and the public option click here:Medicare for the country?

AARP makes it official- NO to HR 3200 !!

nospam@example.com (Todd Page) — Wed, 12 Aug 2009 07:33:00 -0500

Yesterday we posted a blog about whether or not AARP endorsed health insurance legislation or not.

Well they have now made it official. That answer is NO.

To read more about AARP saying NO click here: AARP NO to HR 3200 !!

AARP is going to have a lot of explaning to do with health care.

nospam@example.com (Todd Page) — Tue, 11 Aug 2009 11:57:00 -0500

You would think that the Nation's largest senior advocate group would have some better answers when it comes to the new health care proposal but apparently not.

Here another good question: If their members find Medicare a good choice now why do the majority of them have to buy a Medicare Supplement from AARP? Maybe that IS the answer.

To see AARP's views and answers (if you can find one) on National Health Insurance click here: AARP.......huh ??? What did you say?

What Medicare does NOT cover.

nospam@example.com (Todd Page) — Tue, 04 Aug 2009 10:07:00 -0500

Many now say they are happy with their current health insurance plan (almost 80%) and some even say they are happy with the way Medicare covers them now.

Some however are not aware of what Medicare pays for now and what it does NOT. More importantly is what is does NOT especially when you are facing a LARGE MEDICAL BILL.

Here is the Medicare website that will tell you exactly what Medicare will and will NOT pay for. click here: What will Medicare cover?

What will the government cover when the entire US is under their plan?

Medicare premiums and coinsurance rates for 2009

nospam@example.com (JLBG Health) — Mon, 22 Sep 2008 10:42:00 -0500

Following are the 2009 adjustments to Medicare premium, deductible, and coinsurance rates:

Medicare Part A (Hospital Insurance) Monthly Premiums for 2009:
$0 - Requires 40 or more quarters of Medicare-covered employment.
$244 - 30-39 quarters of Medicare-covered employment.
$443 - Less than 30 quarters of Medicare-covered employment.

Medicare Part B: (Medical Insurance) Monthly Premium for 2009
$96.40 - Less than $85,000 annual income ($170,000 Joint Tax Return)
$134.90 - Less than $85,001 - $107,000 ($170,001 - $214,000 Joint Return)
$192.70 - Less than $107,001 - $160,000 ($214,001 - $320,000 Joint Return)
$250.50 - Less than $160,001 - $213,000 ($320,001 - $426,000 Joint Return)
$308.30 - more than $213,000 (more than $426,000 Joint Return)

A penalty will be assessed for late enrollment. For Part B, the penalty is a 10% surcharge for every full 12 months the enrollment is late, and will be in effect for as long as the beneficiary has Part B.

Medicare Deductible and Coinsurance Amounts for 2009:

Part A: (inpatient hospital, skilled nursing facility, and some home health care) For each benefit period Medicare pays all covered costs except the Medicare Part A deductible of $1,068 during the first 60 days and coinsurance amounts for hospital stays that last beyond 60 days and no more than 150 days.

For each benefit period the beneficiary pays:
A total of $1,068 for a hospital stay of 1-60 days.
$267 per day for days 61-90 of a hospital stay.
$534 per day for days 91-150 of a hospital stay (Lifetime Reserve Days).
All costs for each day beyond 150 days are the responsibility of the beneficiary

Skilled Nursing Facility Coinsurance
$133.50 per day for days 21 through 100 each benefit period.

Part B: (Medicare eligible physician services, outpatient hospital services, certain home health services, durable medical equipment)
$135.00 per year + 20% of the Medicare-approved amount

Read the Centers for Medicare and Medicaid Services (CMS) fact sheet here