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A Medicare Supplement Plan (or Medigap Plan) is designed to cover those costs of your normal medical costs which Medicare will not cover.  Medicare Supplemental Insurance is available to individuals that are enrolled in Medicare part A and B.  During the first six months after you turn 65, there is an open enrollment period for Medicare Supplemental Insurance in which you do not need to qualify.  After your six month open enrollment period, you can still sign up for a Medicare Supplement Insurance plan, but you would need to go through underwritting where you risk being turned down if not healthy enough.

Another option you have is called a Medicare Advantage plan.  These plans are designed very similar to the Medigap insurance plans except that the government helps pay the premiums.  Special conditions may apply, so check with your Medicare Supplement Insurance agent.

Since Medicare Supplemental insurance plans are standardized and all insurance companies offer the same basic supplemental coverage, your best strategy is to compare Medicare Supplement rates with as many carriers as possible.

Medicare Supplements in the News

Billboard critical of Mayo Clinic medicare decision taken down (The Arizona Republic)
Arrowhead Health took out billboard advertisement blasting decision to discontinue Medicare.

Rush Must Pay $1.5M For False Medicare Claims (CBS 2 Chicago)
Rush University Medical Center is paying more than $1.5 million to settle allegations that it filed false claims to Medicare.

Medicare Advantage [Capitol Health Call] (Journal of the American Medical Association)
JAMA. 2010;303(10):929. To better police inappropriate marketing by Medicare Advantage plans, the Centers for Medicare & Medicaid Services (CMS) should gather more and better information on the extent of these improper practices, said the Government Accountability Office (GAO).

Rural Health Clinics: Answer to Medicare Crisis? (KFDA-TV Amarillo)
Claude, Texas - It's one of the most hotly contested issues among our area's oldest residents... And now there may be an answer to problems with medicare coverage.

Medicare terminates contract with Fox; 3,000 enrollees in Hawaii affected (Honolulu Advertiser)
HONOLULU — Medicare has terminated its contract with Fox Insurance Co.'s drug plan.

Medicare Not Enough For Cancer Victim (FOX 40 Binghamton)
A local family says the health care reform being pushed by President Obama could have saved them financial stress on top of devastating heart ache. Darlene Webber says her sister-in-law, Charlotte Underwood, died Monday night after an 8-month battle with leukemia. Webber says Underwood and her husband couldn't afford medical insurance. The family used Medicare to pay for treatments but struggled ...

Hospice gives Medicare presentation (Washington Evening Journal)
Hospice of Washington County held an informational public forum about Medicare Monday night in the library. Jayme Colby, the director of nursing services and the patient care coordinator for Hospice, gave a PowerPoint presentation that outlined what hospice services are covered by Medicare.

Medicare Payment Issues Raise Questions, Concerns (Medical News Today)
Medicare payment issues including rising costs, caps on physical therapy and other outpatient services for some patients are in the news. The Dallas Morning News reports that Medicare Advantage plans with drug benefits are getting more expensive: "Seniors in those plans will pay an average of $39.61 a month this year in premiums, up 14.2 percent from 2009, according to Avalere Health, a ...

Chicago Hospital to Pay More Than $1.5 Million to Resolve Medicare False Claims Act Allegations (PR Newswire via Yahoo! News)
WASHINGTON, March 9 /PRNewswire-USNewswire/ -- Rush University Medical Center has agreed to pay $1,547,200 plus interest to resolve allegations that the facility violated the False Claims Act, the Justice Department announced today. Rush is alleged to have submitted false claims to Medicare during the period 2000 through 2007 by entering into certain leasing arrangements for office space with ...

Time to push for a solution to Medicare crisisBRADENTON HERALD EDITORIAL | Congress dawdles while Manatee loses doctors (Bradenton Herald)
On Wednesday, the region’s medical community will unite in protest over additional cuts in Medicare reimbursements — particularly onerous in Manatee County because of a bizarre payment formula that unfairly punishes physicians here.

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