Colorado Medicare supplement | Utah Medicare supplement | Nevada Medicare supplemnet

brian — Mon, 26 Mar 2012 21:42:28 +0000

Medicare Supplement Plans In Nevada, Colorado, and Utah

By Andrew Coutavas

When you compare these 3 states and the Medicare Supplement Plans they have to other states in the country you see a major trend. For the most part they are much less expensive when compared to other states that have large cities in them. As we know Colorado has Denver, Nevada has Reno and Las Vegas, and Utah has Salt Lake and some other medium size cities within. So why is there a big price difference between these states and others. We will talk about 2 reasons.

Typically the healthier the state the lower the rates. All of these states boast a very good health rating. When a Medicare Supplement Company has lower health claims they also have lower costs which they usually pass along to the consumer as lower rates for there plans. Actually these companies are able to look in years past to try to determine there future costs for claims, when they see that in years past claims costs have been comparably lower than other states they are able to keep prices lower because of that. These rocky mountain area states thus are benefiting from a healthy life style, All of these states have lots of outdoor activities which aide in preserving a great health rating.

Competition is also a large factor in rates, as you look across the country at rates you will notice an important trend. In states where there is only 1 or 2 companies that sell Medicare Supplement Plans we find that the rates are very high. In states like Nevada, Utah, and Colorado we find at least 5 companies that offer these types of plans. With that being said every company is vying for a position in the market. When you are dealing with a standardized plan having a position in the market has every thing to do with prices.

Standardized plans is of tremendous importance as to why competition is so important, think about it like this. If you went to a car dealership to purchase an automobile you would not pay $5000 more for the exact same car with the same options, that will get you to the same place. It just does not make sense. It is the same with Medicare Supplement Plans. Educated consumers know that these plans are essentially identical company to company which means that there is not much more to talk about than price.

Whether you are looking at a Utah Medicare Supplement Plans, a Nevada Medicare Supplement Plan, or a Colorado Medicare Supplement Plan, you are in a good position. Living where you live could save you thousands of dollars in your Medicare Career.

Looking to find the best deal on A MEDICARE PLAN, then visithttp://www.medicarequote4u.com to find the best advice on a Medicare Plan for you.

Article Source: http://EzineArticles.com/?expert=Andrew_Coutavas

Humana Medicare Advantage Plans in Colorado

brian — Mon, 05 Mar 2012 18:28:03 +0000

Colorado Humana Medicare Advantage Plans

Humana offers a variety of Medicare Advantage Plans in Colorado depending on the service are you live in.

The choices you may have available to you are:

PFFS (Private Fee-For-Service)
PPO (Preferred Provider Organization)
HMO (Health Maintenance Organization)

You may have the option of choosing a Colorado Humana Medicare Advantage Plan that includes prescription drug coverage or does not. If you are looking for a low cost alternative to a traditional Medicare supplement and some extra benefits, Humana may be a great option for you.

Some of the extra benefits may include:

Dental, Vision and Hearing Discounts
Silver Sneakers (more then just a gym membership)
Discounts on Vitamins
Nurse Hotline
Meals on Wheels
Caregiver Programs

If you choose a Colorado Humana Medicare Advantage Plan you will still be in the Medicare program, you are instead just electing to have your health coverage administered by Humana rather then Original Medicare. In fact, to be eligible to enroll you must have Medicare A and B and live in the plans service area.

For more information call 1-800-779-0128 to speak to a licensed agent.

Below is a comparison of the Humana Choice PPO H0623-001, Humana Gold Choice H8145-120 PFFS and the Humana Gold Choice H8145-123 that are availabel in these Western Slope Counites of Colorado: Mesa, Delta and Montrose.

	HumanaChoice, PPO H0623-001	Humana Gold Choice, PFFS H8145-120	Humana Gold Choice, PFFS H8145-123
Plan Type	Medicare Advantage Plan Preferred Provider Organization(PPO)	Medicare Advantage Plan Humana Gold Choice PFFS Plans	Medicare Advantage Plan Humana Gold Choice PFFS Plans
Rx Coverage
Annual Premium	$732.00	$0.00	$816.00
Estimated Rx Cost
Annual Prescription Deductible	$0.00	No Prescription Drug Coverage	$0.00

Doctors and Hospitals

	HumanaChoice, PPO H0623-001	Humana Gold Choice, PFFS H8145-120	Humana Gold Choice, PFFS H8145-123
Annual Medical Deductible	$0.00	$162.00	$0.00
Annual Plan Deductible	N/A	N/A	N/A
Maximum Medical Out-of-Pocket	$4,500.00	$6,700.00	$5,000.00
Hospital Deductible (Per Benefit Period)	$0.00	$1,156.00	$0.00
Doctor Access	Option to see physicians in- or out- of the plan’s network. No referrals required. You pay more for out-of-network services.	A Medicare Advantage Private Fee-for-Service plan works differently than a Medicare supplement plan. We have network providers (that is, providers who have signed contracts with our plan) for all services covered under Original Medicare. These providers have already agreed to see members of our plan. If your provider is not one of our network providers, then the provider is not required to agree to accept the plan’s terms and conditions, of payment, they may choose not to provide health care services to you, except in emergencies. If this happens, you will need to find another provider that will accept our terms and conditions of payment. No referrals required Option to see physician in- or out- of the plan’s network. You may pay more for out-of-network services.	A Medicare Advantage Private Fee-for-Service plan works differently than a Medicare supplement plan. We have network providers (that is, providers who have signed contracts with our plan) for all services covered under Original Medicare. These providers have already agreed to see members of our plan. If your provider is not one of our network providers, then the provider is not required to agree to accept the plan’s terms and conditions, of payment, they may choose not to provide health care services to you, except in emergencies. If this happens, you will need to find another provider that will accept our terms and conditions of payment. No referrals required Option to see physician in- or out- of the plan’s network. You may pay more for out-of-network services.
Primary Care Doctor Copay (per visit)	$15.00	20% Coinsurance	$15.00
Specialist Doctor Copay (per visit)	$35.00	20% Coinsurance	$35.00

Hospital Cost (per day, per admit)	$250.00	$1156.00 Deductible per benefit period $0.00 per day, days 1-60 $289.00 per day, days 61-90 $578.00 per day, days 91-150	$250.00

Additional Included Benefits

	HumanaChoice, PPO H0623-001	Humana Gold Choice, PFFS H8145-120	Humana Gold Choice, PFFS H8145-123
Life Enrichment Program
Fitness Program

Additional Services

	HumanaChoice, PPO H0623-001	Humana Gold Choice, PFFS H8145-120	Humana Gold Choice, PFFS H8145-123
24 Hour Nurse Advice Line
Alternative Medicine
Hearing Discount
Rx Discount
Weight Management
Vision Discount

eHealthQuest Launches National Medicare Division

SunsetFinancial — Sun, 22 Jan 2012 22:17:35 +0000

San Diego, CA (PRWEB) September 01, 2011

Today, eHealthQuest is officially announcing a new Medicare Division to sell Medicare products nationwide! eHealthQuest is pleased to announce a strategic partnership with Joppel and today launches national online enrollment for Medicare Advantage and Medicare Supplement plans.

Those that are Medicare eligible can now access online enrollment for Medicare Advantage and stand-alone Medicare Supplement and Part D plans from the website eHealthQuest.com. Joppel already has a national presence and an incredible staff of certified Medicare advisors. They assist beneficiaries in navigating the plan selection process and explain it in simple to understand English (and Spanish).

Medicare is the most complicated form of insurance available today, says eHealthQuest CEO Sy Wemhaner. This strategic Partnership with Joppel allows us to continue our rapid national growth by providing an answer to every question. eHealthQuest can help beneficiaries understand all of the proposed or already implemented changes to the Medicare system. It has also setup a national dedicated Medicare Hotline (888) 408-6656.

This year about 7,600 people will turn 65 every day! According to the U.S. Census Bureau Projections, this total is projected to climb to more than 11,000 a day by 2025. We can provide assistance with initial enrollment, understand the dreaded doughnut hole, and answer questions about supplemental drug policies. We provide a comprehensive and free online quoting system that walks through a series of questions to help narrow down the plans and online applications. For those that need assistance, they can call the Medicare HOTLINE and speak with a certified advisor.

eHealthQuests Medicare Division is now live and prepared to take on more than 50,000 customers between now and the end of the year, said Mr. Wemhaner. Our national rollout of online enrollment options for Medicare products is right in line with our company goals and strategies to bring Medicare customers the same kind of easy to use system and efficient shopping experience that helped us become one of the fastest growing online health insurance sites in America.

The Medicare Annual Enrollment Period (AEP) opens October 15, 2011 and runs through December 7th, 2011. In most cases, Medicare beneficiaries who wish to make changes to their Medicare plan selections for 2012 must do so during the AEP. Consumers visiting eHealthQuest.com can use simple shopping tools to compare their Medicare plan options in minutes and find the best match for their needs and budget. Personal assistance from licensed agents is available by telephone.

About eHealthQuest

eHealthQuest.com is owned by its parent company eQuest Health Insurance Services, Inc. Americas favorite website for affordable health insurance for individuals, families and small businesses. Through the company’s website, eHealthQuest.com, consumers can get quotes from all leading insurance carriers, compare plans side by side, and apply online instantly. eHealthQuest started out as a San Diego Insurance Broker and eventually expanded to offering San Jose Insurance. Due to its rapid growth, it now sells insurance coverage all over the United States. eHealthQuest offers thousands of individual, family, and small business health plans from virtually every major carrier in the U.S.

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Urgent Care Provider NextCare Enhances Patient Services, Adds PhyTCare Physical Therapy

SunsetFinancial — Tue, 19 Jan 2010 00:46:25 +0000

Mesa, AZ (PRWEB) February 27, 2008

NextCare (http://www.nextcare.com), the nation’s largest urgent care provider, has announced an expansion in its offerings to better serve patients. PhyTCare, physical therapy services, will launch at select clinics and soon expand to other markets. NextCare’s Patient Services program includes the initiative for medical providers to call patients after each NextCare visit. It will also serve as a means for patients to get post or pre-care medical advice.

PhyTCare, first being offered at North Carolina urgent care clinics on Wake Forest Road, in Garner, Falls Ridge and Fayetteville, will provide quality physical therapy services including focused and managed utilization, active rehabilitation, exercise, education, stabilization and manual therapy. PhyTCare will accept all major forms of commercial insurance as well as Medicare, and workers’ compensation plans.

“We believe physical therapy as well as patient education on injury prevention plays a big part in the musculoskeletal healing process and at the same time believe in providing high-quality, efficient care with the least amount of visits as possible,” commented Laurel Stoimenoff, President, NextCare Urgent Care.

As of January 2008, NextCare has increased its follow-up care services to its patients. Allowing for a more comprehensive experience, NextCare will staff medical providers who call patients within the first few days following their visit to check up on them. Patient Services also provides a convenient means for patients to call healthcare professionals for medical advice whether they are post-care patients or are seeking care.

One NextCare patient raved about the “Excellent and quick service. Also I was shocked to find that you would call me afterwards. Thank you!”

Visit urgent care provider NextCare to learn more about PhyTCare physical therapy and their Patient Services, or to find the clinic location closest to you.

About NextCare Urgent Care

Urgent care provider NextCare (http://www.nextcare.com/) is the world’s largest privately owned provider of urgent care and occupational medical services, known for bringing together service-driven healthcare and innovative medical technology to the delivery of medicine. NextCare operates 28 urgent care facilities among Arizona, Colorado, North Carolina and Georgia.

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Allsup: Medicare Annual Open Enrollment Comes a Month Early With Many Changes

SunsetFinancial — Sun, 17 Jan 2010 15:25:42 +0000

Belleville, IL (PRWEB) September 13, 2011

Millions of seniors and others relying on Medicare may be caught off guard by the change in Medicares annual open enrollment period this year, according to Allsup, a nationwide provider of Medicare plan selection services and Social Security disability representation.

Under a provision of the Affordable Care Act, the Medicare annual open enrollment period changes to Oct. 15 through Dec. 7, 2011. Last year, it was held Nov. 15 through Dec. 31. All Medicare beneficiaries are allowed this one time each year to make changes to their Medicare coverage for the coming year. This includes anyone using traditional Medicare, Medicare Advantage, prescription drug and Medigap supplemental coverage.

Its important you prepare now for annual enrollment if your current plan doesnt meet your needs, said Adrienne Muralidharan, senior Medicare specialist for the Allsup Medicare Advisor

AmeriLife Donates $25,000 for Bone Marrow Research: Contribution to Advance Search for Cure for Football Coachs Sons Disease

SunsetFinancial — Wed, 13 Jan 2010 02:50:30 +0000

Clearwater, FL (PRWEB) September 16, 2011

AmeriLife Group, LLC owner, CEO and President Timothy North travelled to Tallahassee today to donate $ 25,000 to the Kidz 1st Fund, a research project established by Florida State University football coach Jimbo Fisher and his wife, Candi, raising money to find a cure for Fanconi anemia. The Fishers’ son, Ethan, 6, is fighting Fanconi anemia, a genetic disorder that stunts the body’s production of bone marrow, and Ethan will need a bone marrow transplant.

From the Seminoles football team volunteering to be tested (via cheek swabs) to see if theyre a potential match for Ethan, to businesses such as AmeriLife – which are in a position to contribute to this cause – people from around the country are rallying to support Ethan, Mr. North said, before leaving for the capitol. Children shouldnt have to battle such diseases, and were hoping to advance research for a cure, a cure we hope will come sooner than later.

Statistically, Fanconi anemia affects about 1 in 131,000 people, and for every 38,000 people tested, perhaps one could be the ideal match as a bone marrow doner for Ethan. According to researchers, even if, for instance, one of the Seminoles football players isnt a match for Ethan, he may be able to help someone else with the affliction.

Kidz 1st Fund is a 501 (c) (3) non-profit charity, providing support to families, as well as education and awareness of the disease. Additional information about the fund and research into Fanconi anemia may be found at http://www.kidz1stfund.com.

For additional information on AmeriLife or Timothy Norths contribution to the Kidz 1st Fund, please contact Public Communications Director Wayne Shelor at 727-726-0726 or by e-mail at wshelor(at)amerilife(dot)com.

AmeriLife Group, LLC, together with its subsidiaries, provides senior-focused life and health insurance products and services in the United States. It offers a health and financial protection kit consisting of health and dental insurance, Medicare Supplements and Advantage plans, prescription drug plans, fixed and equity indexed annuities, as well as life, final expense and long-term care insurance for senior Americans. AmeriLife operates a network of Medicare-preferred provider organizations and markets homeowner, automobile, unit owner, watercraft and liability insurance products of various companies. Founded in 1971 and based in Clearwater, Florida, AmeriLife also provides third-party administration services such as compliance, policyholder, premium billing, claims and underwriting services.

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Medicare Advantage | Questions about Medicare Advantage Plans

SunsetFinancial — Sat, 09 Jan 2010 07:31:50 +0000

www.MedicareAdvantageToday.com CLICK Here for more information or CALL now at 800-350-5358 We’d like to talk to you about Medicare Advantage plans and how to choose a plan that suits your needs. During Medicare annual election period you will receiving mail from many insurance companies, asking you to join up with them. And that’s where the confusion and hassle starts. Which plan should you choose? How do you go about reading and understanding all the different benefits and co-payments? Is my own doctor covered? Are my current prescriptions covered? Here are the most important questions you need to ask before you enroll in any Medicare Advantage plan. 1. Is my Primary care Physician contracted with the plan? 2. Is my Specialist contracted with the plan? 3. Are my Primary care Physician and Specialist under the same Medical Group? 4. Are my prescriptions covered and how much are the co-payments? We understand that it is difficult and time consuming to a choose a Medicare Advantage plan and we can solve all your Medicare problems for you. Here is what we do for you. We compare all the plans that are available in your area and make sure your doctor and specialists are on those plans. We check all your medications one by one to see if they are covered and then find out the cost. You then will be able to make an educated decision on which plan is the best choice for YOU. At your request, we will even set up an in-home appointment to meet with you personally in the comfort of …
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JSM Keynote Speakers to Address Future of Health Care

SunsetFinancial — Thu, 07 Jan 2010 15:23:10 +0000

Alexandria, VA (PRWEB) June 16, 2008

Sessions at the Joint Statistical Meetings will address health care considerations and reform based on statistical research and analysis

[Note to editors: Media may attend the sessions at no cost; please visit the JSM web site at http://www.amstat.org/meetings/jsm/2008/index.cfm?fuseaction=pressregistration for complete registration information.]

Health care will be the focus of two major keynote addresses at the 2008 Joint Statistical Meetings (JSM), the American Statistical Association (ASA) announced today. In addition, some 150 sessions at JSM will discuss statistical research and analysis in the areas of health, medicine, pharmaceuticals, and related topics. JSM, the world’s largest annual gathering of statisticians, will convene at the Colorado Convention Center in Denver, August 3–7.

“Health Care Considerations for the Millennium” will be presented by Mark B. McClellan, MD, PhD, senior fellow and director of the Engelberg Center for Health Care Reform, who holds the Leonard D. Schaeffer Director’s Chair in Health Policy Studies at the Brookings Institution. McClellan will deliver the American Statistical Association President’s Invited Address on Monday, August 4, at four pm. McClellan has served two presidential administrations as administrator for the Centers for Medicare and Medicaid Services, commissioner of the FDA, member of the President’s Council of Economic Advisors, senior director for health care policy at the White House, and deputy secretary of the Office of Economic Policy at the U.S. Treasury.

“Inference and Improvement in Health Care,” the ASA Deming Lecture, will be delivered on Tuesday, August 5 at four pm, by Donald M. Berwick, MD, MPP, president and CEO of the Institute for Healthcare Improvement. Berwick also is a clinical professor of pediatrics and health care policy in the Department of Pediatrics at Harvard Medical School and professor of health policy and management in the Harvard School of Public Health. He is an adjunct staff member in the Department of Medicine at Boston’s Children’s Hospital and a consultant in pediatrics at Massachusetts General Hospital.

Biographies of all speakers, as well as presentation dates and times, are available at http://www.amstat.org/meetings/jsm/2008/index.cfm?fuseaction=keynotespeakers.

JSM is held jointly with the American Statistical Association (ASA), the International Biometric Society (ENAR and WNAR), the Institute of Mathematical Statistics (IMS), and the Statistical Society of Canada. More than 5,000 statisticians from government, industry and academia are expected to attend the 2008 JSM, which features a range of activities, including more than 2,500 presentations, panels, roundtables, poster presentations, and continuing education courses. There also is an exhibit hall (with state-of-the-art statistical products and opportunities); a career placement service; society, section and committee meetings; and social and networking opportunities.

Complete program and registration information for the 2008 JSM is available at the JSM web site at http://www.amstat.org/meetings/jsm/2008/index.cfm.

About the American Statistical Association

The American Statistical Association (ASA), a scientific and educational society founded in Boston in 1839, is the second oldest continuously operating professional society in the United States. For more than 160 years, ASA has been providing its 18,000 members serving in academia, government, and industry and the public with up-to-date, useful information about statistics. The ASA has a proud tradition of service to statisticians, quantitative scientists, and users of statistics across a wealth of academic areas and applications. For additional information about the American Statistical Association, please visit the association’s web site at http://www.amstat.org or call 703.684.1221.

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More Colorado Medicare Press Releases

Norvax Joins With WellPoint to Introduce New Senior Quoting Feature

SunsetFinancial — Wed, 30 Dec 2009 10:59:00 +0000

CHICAGO (PRWEB) July 22, 2008

The new senior quoting feature allows agents to generate and compare multiple Medicare supplemental plans in seconds. Agents can also increase their website’s lead-generating capability by embedding the Norvax senior quoting engine, which allows visitors and clients to run self-service quotes 24 hours a day.

“Baby Boomers are the biggest segment of the population, and seniors make up the fastest-growing market in individual health insurance,” said Kris Schneider, Staff VP Strategic Partners at WellPoint. “This tidal wave of 70 million Boomers is creating a huge opportunity for health insurance agents. With the Norvax senior quoting engine, agents will be equipped to satisfy this incredible demand. They’ll be able to serve more seniors faster and with more options.”

Medicare supplemental plans provide many of the benefits that aren’t covered by standard Medicare Part A or Part B plans. This includes long-term care, hearing aids, private-duty nursing, dental care and vision care. But the most important Medicare supplemental plan sought by seniors is the Prescription Drug Plan (PDP).

“Until now, the biggest hurdle for agents looking to fully serve the individual senior market has been the lack of an effective tool for comparing varying plans and carriers,” said Clint Jones, CEO of Norvax Inc. “With Norvax’s senior quote engine, seniors can now compare plans side-by-side, choose the program that offers the best pricing and benefits and then submit an e-application for faster underwriting.”

The basic Norvax quote engine is already the established leader in individual/family quoting with thousands of plans from 74 of the nation’s leading carriers. In addition to quoting Medicare supplemental plans in seconds, the Norvax senior quoting engine puts informative state-specific brochures at the agent’s fingertips and connects directly with available e-applications for quicker submissions.

For more information about the Norvax senior quoting engine, please visit http://www.norvax.com/seniors/ or call 1-866-466-7829 ext 1.

ABOUT WELLPOINT, INC.

WellPoint, Inc. is the largest health benefits company in terms of medical membership in the United States.

Philadelphia Area Long Term Care Provider Friends Life Care Announces Fall Vital Aging Workshops

SunsetFinancial — Wed, 16 Dec 2009 04:24:28 +0000

Plymouth Meeting, PA (PRWEB) October 05, 2011

Friends Life Cares overall mission is to help people age vitally in their homes, which they accomplish for 97% of clients with a highly unique, care- focused long term care protection plan. The organization promotes holistic approaches to maintaining healthy, active living for their clients through its proprietary program, VigR (pronounced vigor)-a proactive research based offering created to help members strengthen and extend their mental and physical health and resilience. In an outreach effort to help Baby Boomers and older adults in the Philadelphia area and Delaware, they have opened the enrollment in the Enrichment Workshop series to the general public.

VigR stands for vitality, independence, growth and resilience, qualities that we know are essential to healthy aging. We feel strongly that combined, they can help prevent the effects of chronological aging comments Elise Lamarra, Vice President of Clinical Operations. The 2011 fall workshops provide relevant, timely, cutting- edge information and tools, to support that goal.

Teaching courses are leaders in their fields looking to explore new perspectives, generate powerful insights, and help attendees discover exciting new potentials by going through diverse topics from physical fitness to navigating transitions in the second half of life. For time challenged schedules, Friends Life Care designed 3 new single session, 1.5 hour workshops, taught over lunchtime or at the end of the business day with wine and cheese. Other interactive multi-session programs cover topics such as, Improving Sleep for Better Health, Finding Meaning and Energy at any Stage in Life, Introduction to Mindfulness Meditation, Nutrition Myth Busters, and Exercise: A Prescription for Vitality. The full course book and registration can be seen on the corporate website.

When it comes to aging, many of us dont realize what we dont know. Learning can be a life-long challenge, and some of the topics and issues covered in the Enrichment Workshops have the potential to actually stave off the effects of the aging process. The possibility is powerful! said Carol Barbour, President of Friends Life Care.

For aging adults, planning for their long term care is no longer an option, it is essential. According to a CRS Report for Congress, the average life expectancy for someone aged 65 is more than 18 additional years. In light of longer life spans and the constantly changing US economy, it is more critical than ever to have a plan in place, for both fiscal and personal peace of mind. Without a long term care protection plan of some sort, the out- of- pocket costs for one medical situation or chronic illness could potentially put a gigantic dent in or completely exhaust a persons entire life savings says Carol Barbour. Medicare is extremely limited in what it covers for long term care, but people do not realize that, furthers Barbour.

About Friends Life Care:

Friends Life Care offers a unique, affordable alternative or supplement to long-term care insurance and continuing care retirement communities. Designed to help individuals and couples remain at home and independent as they age, customizable membership plans from Friends Life Care help members protect their savings and prepare for the unexpected, while providing innovative options to help increase their vitality and longevity. Unlike long-term-care insurance, the Friends Life Care team of highly credentialed Care Coordinators arranges and supervises all the services you need. Members have no claim forms to file and no reimbursements to wait for. Friends Life Care spares members and their loved ones the enormous stress, cost and uncertainty of locating and managing reliable, qualified care on their own. The emphasis on prevention and attention to the whole person distinguishes Friends Life Cares philosophy toward independent aging. For more information, please visit http://www.friendslifecare.org or call 215-628-8964.