The number of Americans utilizing hospice services has increased by over two times since 1996 to an approximate count of 1.3 million in 2006.From $3 billion spent by Medicare on hospice care in 2000, the amount has increased to $10 billion in 2007.But experts say that hospice services are still not being utilized to the maximum. Malene Davis, the president and CEO of Capital Hospice attributed this underutilization to the popular misconception that hospices are for cancer patients only.

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Speaking on the issue, acting CMS administrator, Kerry Weems said that the changes that have been proposed to the rural health clinic program are meant to ensure good quality health services to Medicare beneficiaries in rural and previously underserved areas. Along with regular physicians, certain non physicians too shall aid in the program. The aim is to provide best value services from RHCs.

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Not just this but even the federal deficit is estimated to reach a record high of $400 billion by the end of this fiscal year. If nothing is done as regards policy changes, then the promised Medicaid and Medicare programs are likely to gulp down over 50 percent of federal spending till 2050.  (more…)

 The passage of this bill was no easy task. It took weeks of negotiations between the Democrats, the White House and the chambers. It is being heralded as a victory for many Republicans, Democrats and governors all over the country against the irresponsible Bush administration that has designed these rules to cut down on Medicare expenses.
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The biggest improvement is said to have been in the rural areas and communities where there is a higher percentage of children suffering from health problems and who are not given adequate care. These areas are known to have a history of poor state funding when it comes to medical health services. The study reflected on the changes that have influenced children’s access to mental health care which was the major aim of the EPSDT expansion.  

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 This comment was made by Dr. Stotland after the chance to debate on the Bill was lost on Thursday as they were six votes shorter than the necessary requirement of sixty votes.

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Policies will, of course, vary by available plans, coverage, and price. Therefore, before enrolling, make sure you spend time researching the plans and providers available to you, and choose the one that best fits your needs and budget. After you’ve selected the plan and company you are going with, it’s time to apply.

To apply, contact the company directly. They are required to provide you with a coherent summary of your policy, so spend some time reading it and ensuring that you understand it. If you don’t, feel free to ask as many questions as you need to ask. Never sign anything without knowing exactly what you are agreeing to. Once you’ve read the summary and are certain you understand it, fill out the application fully. Be as truthful and thorough as possible. If someone else fills your form out for you, go over it and make sure it is completely correct.

After applying, your policy will usually start the first month after you apply. You can request a specific start date if you like as well. If you don’t get your policy within 30 days you should definitely call the insurance company, and if you still haven’t gotten in within 60 days, you should call the State Insurance Department in your area.

When you pay for your Medigap policy, you can use a bank draft, a check, or a money order. Don’t make your payment out to the agent who was helping you with your enrollment. Rather, make it out directly to the company providing you with your coverage.

If you have the Original Medicare Plan, you may choose to enroll in a prescription drug plan to add coverage.  You can also enroll to add coverage to certain Medicare Private Fee-for-Service Plans, certain Medicare Medical Savings Account Plans, and certain Medicare Cost Plans.  Another way to gain Prescription drug coverage is to choose a Medicare Advantage Plan that includes this drug coverage.

When you enroll in a drug plan, you will usually pay considerably less for your prescriptions, although you will sometimes be required to cover copayments, coinsurance, or deductibles.  The overall cost of your plan will depend on a number of factors, such as whether or not you are eligible for extra help, if you are willing to forgo brand-name drugs, what type of drugs you require, the quantity of medication you need, what your plan coverage gap is, and, ultimately, what prescription drug plan or provider you choose.

To enroll in a prescription drug plan, you may want to call the plan directly.  That way, you can ask them any pertinent questions you may have about the plan you’ve chosen.  You can also call Medicare for assistance, at 1-800-633-4227. 

If you fail to sign up during your initial enrollment period, and if you don’t have prescription drug coverage for 63 days or more, you will likely be responsible for a permanent late-enrollment penalty when you later join. The late-enrollment penalty changes each year, and will be charged to you for the duration of your drug coverage.

To figure out roughly how much your penalty will be, take 1% of the “national base beneficiary premium” and multiply it by the number of the full months you didn’t join when you were eligible. The amount will be added to your drug plan monthly premium.

If you didn’t sign up for a Medicare Prescription Drug Plan when you were first eligible and you’d like help figuring out what your late-enrollment penalty will be, there are some sources available to you. You can call 1-800-MEDICARE for help, or contact your State Health Insurance Assistance Program.

In many cases, you will need to pay your Part B premium in addition to your Medicare Advantage Plan premium.  It’s also essential that you follow your plan’s specific rules and are aware of necessary out-of-pocket costs, like deductibles and copayments.  

Sometimes, depending on the plan or company you choose, you might be required to use specific health care providers, belonging to the plan’s network – or be charged a higher fee if you don’t.  If you enroll in an Advantage Plan, you won’t be able to buy a Medigap policy – and you won’t really need one, either.

When you join a Medicare Advantage Plan, you are, of course, still in the Medicare Program.  Advantage Plans, although run by private insurance plans, still follow Medicare rules, are approved by Medicare, and receive funding from Medicare. They are not even considered supplemental insurance plans – they are a part of Medicare.  Consequently, when enrolled in a Medicare Advantage Plan, you have Medicare rights and protection, including privacy rights and the right to appeal.  You also will still receive Medicare Parts A and B, and can usually get prescription drug coverage through your Medicare Advantage Plan. It is important to note that you can’t join a Medicare Prescription Drug Plan with most Medicare Advantage Plans unless you cancel your Medicare Advantage Plan and sign up instead for Original Medicare. Signing up for a Medicare Advantage Plan also often affords you other optional benefits, such as dental or vision.   

To enrol in a Medicare Advantage Plan, fill out an application, call the plan, or visit them online.