Simple Strategies to stay safe from Medicare Fraud

Are you planning to enroll with Medicare supplement plans, you must also know the ways to stay protected from Medicare frauds.

Nowadays, the stolen numbers of Medicare has become a chance to loot. These numbers are used to bill Medicare for supplies and services that were never received or provided, thereby the reimbursements get pocketed.

Follow these tips to help you stay safe and avoid fraud, during Medicare Open Enrollment that is in the period Oct. 15 – Dec. 7. This is also the period that you can find an increase in fraud activity.

Keep Your Medicare Card safe

Your Medicare card should be very safe, same as you keep your credit card or the Social Security card. Do not give the Medicare number over the phone to any stranger. Straightly deny giving your number or card to anyone but to your authorized Medicare provider or doctor.

Be Wary about Bogus Medicare Plans

Criminals use Open Enrollment period to tempt you with services, products and phony plans. The aim is to get the Medicare number. There may be people asking your Medicare details promising to offer free medical products or services. This may be a scam.

Door-to-Door Salespeople are deceptive

Do not believe the medical supplies appearing as door-to-door salesperson. A very important point to remember is that Medicare supplement plans or Medicaid do not send representatives to sell insurance services or products. The insurance agents do come to your home, only if you have requested them to do so.

Scour Medicare Statements

Medicare supplement plans or any of your private insurance providers may send periodic statements about the received health care. Read them carefully and verify if you have received the services and products. Report if you suspect an error.

Report Fraud

The moment you suspect fraud, you must check with the provider. This can be a misunderstanding or even a simple mistake.  You can inform your state senior Medicare patrol. They will have volunteers and workers to help you in determining that you are a victim of the fraud. In case, it is a fraud case, they will escalate it to government investigators.


Fraud activity in the Medicare plans usually gets picked up during the Open Enrollment period starting from (Oct. 15—Dec. 7). This is the right time you must safeguard your Medicare and Social Security numbers, so that it does not reach wrong hands and is not misused.

3 Valuable Reasons for a New Medicare Plan to Shop and consider right Medicare option

People choosing a plan mostly enroll in Medicare supplement plans and do not consider looking back.   After enrolling, they stay simply with the plan every year. The Part D and Medicare Advantage plans renew automatically every year.

The renewal of automatic plans is easier, but it is best to review the plan benefits of your existing Medicare supplement plans. This is because the costs and coverage may change every year, and so you have to look after your health care needs.

Here are 3 pointers revealing the importance why you should shop for a different plan. The questions help in deciding if there is a good reason:


  1. Save Money. Consider these questions before deciding:
  • How much are the existing plan premiums you have?
  • What are the coinsurance and co-pays amounts you wish to be accountable for?
  • What are the deductible you wish to owe?
  • Will you want a cover for health care services that you use?
  • What other health care services or planned surgeries you must consider?
  1. Use the Hospitals, Pharmacies and Doctors You Prefer
  • Are the doctors or providers you prefer a part of your Medicare supplement plans network?
  • Are you ready to look for a different doctor so that you are within a plan network?
  1. Manage Your Prescription Drug costs and Medications costs
  • Does your plan formulary have the prescription drugs that you take? In which tiers?
  • What will the co-pay be as you fill up a prescription?
  • Will the co-pay be different for brand-name drugs vs. generic?
  • Is this doctor prescribed as new medications?
  • Have you stopped recently taking prescription drugs?

Each October, everyone is ready for the cold winter and it is the time to set aside to consider the healthcare needs. This can be done by shopping for Medicare health of high quality and to consider relevant drug plans perfectly in the Open Enrollment period.

Medicare open enrollment starts on October 15 and is till 7th December. This is also the best time to access health coverage high-quality choices as the premiums are lower and the options are more. It means to find plans that are less expensive buy offers best customer service and quality care.

The Medicare Supplement plans are required with the Medicare Advantage plans to support the other costs. Look for choices and consider the benefits you will receive and settle for the best Medicare option.

Why Should You Opt For The Medicare Supplement Plans?


The popularity of the Medicare supplement plans are rising and this is because of many reasons.

The plan is an alternative to the traditional medical plan. It is basically an alternative way in which you receive the benefits of the Part A and Part B of the Medicare plan. The difference is that a private insurance company administers the Medicare advantage plans.

There are numerous benefits of choosing the Medicare Supplement plans over the traditional medical plans.

Why Do The Medicare Supplement Plans Appeal To Many?

The kind of Medicare coverage you need is dependent on your own personal preference. Here is why the Medicare advantage plans are chosen by many.

  • More benefits

The Medicare Supplement plans offer benefits over and above what is offered by the Medicare Part A and Part B plan. The additional coverage could include prescription drugs, vision, dental and hearing care as well as membership to some wellness programs.

The Medicare advantage plan is a single plan that offers all the coverage. This saves you the trouble of dealing with many insurance companies at the same time.

  • Maximum out of pocket costs

The Medicare advantage plan offers the benefit of the maximum out of pocket costs. This is basically the limit or the maximum cap amount you may have to pay for the services that you have been covered for. The cap is a set amount that you need to pay in a year. These include costs like the amount that you pay towards coinsurance, copayments and deductibles. Once you spend the maximum out of pocket amount the Medicare advantage plan in most cases will pay 100% for the hospital services that are covered.

  • Get coverage outside the country

The original Medicare plan cannot be used when you are traveling outside the U.S but there are many Medicare advantage plans that can be used even when you are traveling abroad.

When you enroll for the Medicare plan, you have the option to choose the original plan that offers part A and part B coverage or you could choose the Medicare advantage plan. This is sometimes referred to as the Part C plan. Do the math to understand which plan offers the maximum coverage at the least cost.

The Medicare advantage plan is offered to you by the private health insurance companies and these are regulated by the government. The plan is required to offer to you at least the original Medicare coverage.


The ABC’s of Medicaid For the Seniors

Mеdісаrе рlаn is one of the mоѕt complicated, соnfuѕіng аrеаѕ of the lаw, аnd I оftеn thіnk іt іѕ dеlіbеrаtеlу mаdе so in order to kеер people frоm ԛuаlіfуіng оr to discourage them from аttеmрtіng to ԛuаlіfу. It is thе gоvеrnmеnt mеdісаl рrоgrаm for thе рооr.

Mеdісаrе іѕ оftеn соnfuѕеd wіth Medicare, whісh іѕ thе federal government medical рrоgrаm for thе elderly. Almоѕt all ѕеnіоr сіtіzеnѕ qualify fоr Medicare, ѕо lоng as thеу hаvе contributed tо thе system оvеr thеіr wоrkіng lіvеѕ. For thоѕе ѕеnіоrѕ whо dо not ԛuаlіfу, thеу have аn орроrtunіtу tо “buу іntо” thе ѕуѕtеm by рауіng рrеmіumѕ ѕеt by the fеdеrаl government. Bеnеfіtѕ undеr Mеdісаrе are lіmіtеd; thuѕ, seniors may рurсhаѕе “Mеdіgар” оr Mеdісаrе ѕuррlеmеnt insurance роlісіеѕ that рау bеnеfіtѕ whеrе Mеdісаrе lеаvеѕ оff.

Medicare, оn thе оthеr hаnd, іѕ a jоіnt рrоgrаm bеtwееn thе fеdеrаl gоvеrnmеnt аnd the states to рrоvіdе mеdісаl care for thе poor. Aѕ such, іt is regulated first bу Cоngrеѕѕ, then bу State Legislatures. Those lаwmаkеrѕ hаvе ѕеt thе standards by whісh Amеrісаnѕ аnd реrmаnеnt residents (and only thоѕе classes of individuals, nоt “іllеgаl aliens”, tо dіѕреl a rumоr) саn qualify for government-paid mеdісаl саrе. Whіlе ԛuаlіfісаtіоnѕ саn vаrу frоm state tо ѕtаtе, thеrе аrе ѕеvеrаl concepts thаt apply асrоѕѕ-thе-bоаrd.

Although Mеdісаrе hаѕ рrоgrаmѕ for poor people of all аgеѕ, mу lаw practice соnсеntrаtеѕ оn thе еldеrlу аnd thоѕе аrе thе рrоgrаmѕ uроn whісh I fосuѕ. Dереndіng on thе ѕtаtе, Mеdісаrе can оffеr nurѕіng hоmе care аnd/оr аt-hоmе care fоr seniors іn nееd. Most people аrе аwаrе of nurѕіng home саrе рrоgrаmѕ, but аt-hоmе саrе рrоgrаmѕ, if thеу еxіѕt іn your state, саn оffеr a grеаt alternative to nurѕіng home саrе. Nеw Yоrk, fоr еxаmрlе, offers nursing home саrе аnd also has аn аmbіtіоuѕ “соmmunіtу”, or at-home, Medicaid рrоgrаm; Florida, оn thе other hand, оffеrѕ nurѕіng home саrе and lеаvеѕ іt tо the individual соuntіеѕ tо рrоvіdе whаtеvеr type оf at-home care they саn afford.

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The рrоgrаm mоѕt реорlе are аwаrе of is nursing hоmе саrе, rеfеrrеd to in Nеw York as “сhrоnіс care Mеdісаrе” аnd referred to іn Florida as “іnѕtіtutіоnаl care Mеdісаrе”. If a реrѕоn bесоmеѕ ѕо infirm thаt they cannot perform сеrtаіn Aсtіvіtіеѕ of Dаіlу Living (ADLѕ), thеу аrе unsafe lіvіng аt hоmе, аnd they nееd mеdісаl assistance, they mау nееd реrmаnеnt nurѕіng hоmе саrе. Contrary to popular belief, Mеdісаrе (the program fоr ѕеnіоrѕ) does NOT рау for nurѕіng hоmе саrе; іt оnlу pays fоr lіmіtеd “ѕkіllеd nursing саrе”, whісh оftеn tаkеѕ рlасе іn a nurѕіng home with rеhаbіlіtаtіоn fасіlіtіеѕ. A gооd “Mеdіgар” policy wіll рісk up whеrе Medicare lеаvеѕ off, paying up tо 100 days in full fоr skilled nurѕіng саrе.

If a ѕеnіоr needs реrmаnеnt nurѕіng hоmе care, hоwеvеr, thеу аrе еіthеr going tо have tо pay fоr іt оut оf their оwn pocket, with lоng-tеrm саrе іnѕurаnсе or bу qualifying fоr Mеdісаrе. For those whо own оr are соntеmрlаtіng рurсhаѕіng lоng-tеrm care insurance роlісіеѕ, be a smart shopper: Those роlісіеѕ uѕuаllу рау a ѕеt dаіlу rаtе (а fraction оf the full dаіlу rаtе, еѕресіаllу оvеr tіmе) for nurѕіng hоmе саrе fоr a set реrіоd оf time (usually only a соuрlе of уеаrѕ), аnd frequently dо nоt gо into еffесt untіl the іndіvіduаl is іn thе nurѕіng hоmе fоr ѕо mаnу dауѕ. It is іmроrtаnt tо rеаd thоѕе роlісіеѕ саrеfullу аnd undеrѕtаnd thеm

The lаѕt орtіоn, Mеdісаrе, іѕ for the рооr оr thоѕе whо have mоdеѕt аѕѕеtѕ. Whеthеr аn іnfіrm ѕеnіоr сіtіzеn wіll ԛuаlіfу fоr Medicare tо рау for nurѕіng hоmе саrе dереndѕ on whеthеr thеу did advance Medicare plаnnіng оr whether their сurrеnt financial status іmmеdіаtеlу ԛuаlіfіеѕ them. Sоmеtіmеѕ аn individual hаѕ tо “spend dоwn” ѕоmе оf their аѕѕеtѕ bеfоrе thеу ԛuаlіfу, although thеrе аrе сеrtаіn wауѕ іn which ѕоmе аѕѕеtѕ саn be ѕhіеldеd.

The Arguments against Medicare Advantage Insurance

There are some individuals who think that Medigap/Medicare Insurance could be a form of frivolous spending. Here’s why there are some people who think that’s true.

Medicare is a government-run health insurance program for people aged 65 and over and those who receive disability pensions for at least 24 months.

Original Medicare, it was argued, is the best insurance plan in the United States and among the best in the world. The premiums for Medicare Part A) will most likely be paid for you (through the taxes you have paid), and the Part B premium is only $ 110 per month for those who received Medicare in 2010.

In addition to the low cost, you have tremendous freedom in your access to health care. You can travel anywhere in the country and find a doctor or hospital that accepts Medicare.

This begs the question, if Medicare on its own is really an amazing plan, why would anyone in the world buy Medigap Insurance? A Medicare Advantage Plan is an insurance that is sold by a private insurance company. The purpose of these plans is to fill the gaps left by Medicare. Because of this, these plans are often referred to as “medigap plans.”

The following are three arguments against Medicare Advantage Insurance

  1. Guaranteed insurability

When you first qualify for Medicare (eg, if you are 65 years old), you are eligible for a Medicare Advantage Policy. In most situations, and in most states, you may be in the advanced stages of a terrible disease, and a Medicare advantage company must offer you insurance at a preferential rate.

Once you qualify for a Medicare advantage plan, you can never lose your insurance while you pay your premiums.

  1. Protection against the “big stuff”

If you have to pay a few dollars for an X-ray, or a co-pay to your doctor, that’s probably not a big deal. But if you get into trouble, that is, if you really get sick, the initial Medicare protection may not be as robust as you thought. $ 1,100 per stay in the hospital can add up very quickly, as well as your share of expensive diagnostic exams.

The fact is, most of us do not buy insurance for the little things, like a thing on the car. But we want insurance to cover for the unexpected, such as a serious car accident.

  1. Affordability-

For most people, Medicare advantage plans are very affordable. For instance, a senior who turns 65 years old in Tarrant County, Texas, may receive a Medicare Advantage Plan F (a very popular plan) for just over $ 100 a month. A 70-year-old woman can get the same plan F for about $ 130 a month.

This is not only very affordable, but also very predictable. For example, in Plan F, your only health care costs (other than prescription drugs) are the cost of your monthly Part B premium and your Medigap premium.

Taking all of these factors into account, the case for Medicare Advantage Insurance is far much stronger than the case against it.


The Changes to Medicare Supplement Insurance

Since it was standardized in 1992, Medicare Supplement insurance has not changed. However, for the first time since this standardization, the plans changed in June 1, 2010. These changes will greatly affect anyone who signs up for a plan after that date and will probably also affect anyone who currently has a Medicare supplement.

In the past, the Medicare Supplement plans ranged from Plan A to Plan J. Each had its own particular advantages. This will not change – they will continue to be standardized; however, the “modernized” plans will have new benefits. In addition, some of the plans that were available in the past are no longer available, and some new ones that were never available before have been added.

If you become 65 after June 2010, or if you want to replace your current plan, you must be aware of the changes and their implications for standardization. The changes made are as follows:

First and foremost, some of the plans were canceled – these are E, H, I and J. After June 1, 2010, you cannot sign up for any of these plans. Even existing policyholders who have one of these plans will not be forced to drop their plans or separate them. However, most analysts agree that removing these plans from the options will have a negative impact on future interest rate hikes with these plans.

Second, a hospice benefit was included in the “benefits” component of all remaining plans. Regardless of which plan you purchase, this benefit will be included. Enroll @

Next, the “Part B additional cost” benefit was increased to 100% on Plan G. The benefit was earlier 80% on plan G. By bringing it to 100%, it complies with plan F and other plans that cover this benefit.

Even “At Home Recovery” and “Preventive Care” were completely removed from any plans that contained them. These benefits were deemed unnecessary after careful examination due to lack of use.

The changes to the standard Medicare Supplement plans have no retroactive effect on your cover if you now have a Medicare Supplement plan; However, most financial advisors believe that since the old plans are a “closed” business block, rates will be affected accordingly. Put simply, if there are no younger people on the “old” plans, everyone on these plans will age without younger people compensating for this aging, which will probably lead to more claims and higher rates.

Whether you’re new to Medicare or have an existing plan, it’s important to keep up with these changes and how they affect you. Some people may need to reassess their current plan before 6/1 to see if it makes sense to have the same coverage. Insurance companies had to resubmit their tariffs for approval, and once these have been approved by state insurance departments, these “modernized” plans will be available in all states.

Medigap policies, which have the same benefits, are sold at astonishingly different premium rates, according to leading independent analyst and ratings analyst, White Ratings, Inc. For example, while insurers need to offer the standardized benefits for plan F, insurers do not control how much they charge for the plan.


Taking a Look at All the Available Medicare Supplement Plans

Medicare Well Supplements have been produced by the federal government as a variety of insurance plans for the elderly and those who are disabled or have a serious illness similar to kidney failure. Nonetheless, this is considered a program that is constantly changing and making it extremely difficult to understand. Remember, even though you have purchased your insurance policy, make sure that you are doing enough research to find out what each variation involves.

At this level, it is of utmost importance to observe the environment and do a simple analysis earlier before choosing an insurance company you expect to deliver the results. Keep in mind that given that the Medicare supplement insurance packages will ideally be a government-sponsored system, they will not change the typical intentions that are being designed, it does not matter which policy providers you deal with.

For example, Contrivance A with a personal insurance business will provide the identical insurance packages coverage as Contrivance F with an alternative small business.

In the beginning, it may be crucial that you only know the twelve different forms of policies and what they offer. It can be the key to meet your needs to confirm exactly what you want when it comes to protection.

In the event that you are really a healthy person, you may want to go with Basic plan A, which does not include monthly premiums. Your price range will almost certainly help you determine which plans you will go with. Keep in mind that it is possible to always upgrade your plan later on.

Because you’re not used to the plans, you can visit Medicare’s websites for the extensive explanation of each one. If you do not have access to the internet or cannot learn well, call your community Medicare office in your locality for this information.

Perhaps the most effective place to get tips is with your insurance policy holder’s website or place of work. Here you should have access to prices printed by any insurer in your own state offering Medicare. You can see at a glance who delivers the best deals and who you should avoid.

Medicare supplement plan G 2019Remember that this is just a supplementary type of insurance. It is not intended to pay for all of your medical expenses, nor will it. So, if you could have an additional form of insurance from a former employer or union, this may be your most important insurance.

You will also need to find out if some plans will increase your nursing costs or even make you not qualify for other types of plan. Speaking to a Medicare representative can be your best bet if you wonder how likely it is that you can qualify for a certain cover.

There is no real plan for everyone. Your choice depends on the plans in your area, your health budget, and your planned medical care. Your current health status can also be important. You can find many answers on the official Medicare website or from a qualified and certified health insurance company.

With the right Medigap coverage, you have access to the best specialists, no matter how far away their practice is or how expensive their services are.


Take a Look At Plan F for The Most Coverage Possible

When comparing the benefits and coverage among the available Medigap plans, Plan F stands out for the plan that has the most to offer in terms of complementary coverage.

All standardized plans are required by Medicare to offer certain basic benefits. Each of the ten additional plans has unique added value. With Plan F, all boxes are checked. Plan F covers the deductible Part A and all coinsurance Part A. This deductible for part A in 2011 was $ 1132.

It should be noted that this is not an annual deductible, but per benefit period. A benefit period begins with admission to a hospital and ends after 60 days from the hospital. You could be subject to several Part A deductibles in one year. Also covered are the Part B deductible and the 20% Part B coinsurance.  Get a quote at

One of the most significant coverings under a Plan F is called “Part B Surplus”. What is part B surplus? It is any amount over which the Medicare approved amount is for medical services. Medicare pays only 80% of the amount they authorize for a visit or procedure under Part B. Most Medicare supplement plans pay the other 20%.


Vendors can accept your Medicare and do not accept Medicare allocation, which Medicare approves. This means that you are responsible for the difference. This difference is the surplus of Part B. This benefit could become even more important in the coming years as Medicare slows down the increase in payments to providers. Because Plan F covers that excess, you will never get an invoice, you also do not have to make any treatment decisions due to financial concerns.

Plan F also includes the international travel allowance. If you travel outside the United States and have a medical emergency, your Medicare will not cover you at all. This advantage can be very important. For example, if you are on a cruise and need to see the doctor on the ship, an invoice is generated. Even if your ship was in the US Virgin Islands port, technically not foreign, Medicare will not cover the bill because there is no way to confirm that you were in the US when the service was provided. The Plan F pays limited benefits for medically necessary emergency care when you are out of the country. You can also pick up a travel medicine policy for the specific dates of your trip.

Choosing Plan F will help you reach a situation where you do not have to worry about expenses. You will have the best coverage currently in a Medicare Supplement Insurance plan.

You can literaril see the impact of confusion and misinformation on the senior market, and it is obvious that with the right information, the seniors can position themselves for the future and achieve the peace and security they deserve in this exciting phase of life. Brokers go after clients one at a time to make sure that they attend to the individual and that they are better at meeting them, regardless of whether they choose them as their broker. ”