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Health benefits for seniors on low-income budgets

By Jeff Carea


Health care costs are at an all time high forcing more and more seniors to dip into their retirement savings or discontinuing health care programs to save money. This should not have to be a forced option for seniors, there are many ways to save on heath care services, unfortunately many seniors just don't know how to save money and what programs are available to them, and this is why Americans need a company who is constantly looking for more solutions to inform the senior population of such health care saving benefits.

Medicare is going bankrupt and any reforms that will be made could hurt the benefits you have now; it does not however have to be all gloom and doom in fact there are many health care businesses out on the market that are dedicated to improving health care across the board. We need great health care companies to now step us and be an example of the kind of leadership the health care industry needs; dedicated to being the most trusted and valued resource for seniors, where consulting solutions improve healthcare organization performance by aligning individual health status, member benefits and accurate reimbursement, while helping plans boost revenues by cutting costs and improving outcomes in Medicare Advantage and Medicaid managed care, while increasing participants.

In the world today there is a tremendous amount of uncertainty ahead- the health care industry is facing some of the biggest changes ever, however this does not have to be a bad thing, in actuality change in the health care system can mean big opportunities for health plans and their partners. Few companies understand the major changes such as enrollment trends and market expansions, Altegra watches Federal oversight issues, state mandates, and turn these into business strategies- while being a trusted adviser to healthcare organizations and health law practices, delivering proven, forward-thinking solutions and results. People with Medicare have more choices and the performance of Medicare Advantage plans are constantly improving. Medicare members have access to five-star Medicare Advantage plans- Medicare plans are given an overall rating on a 1 to 5 star scale, with 1 star representing poor performance and 5 starts representing excellent performance. There are more incentives to promote enrollment in high quality plans and members are taking notice.

Medicare is a crucial health insurance for seniors and those with disabilities; Dual eligible's are Medicare beneficiaries who also qualify for some level of Medicaid enrollment where they may be eligible for full or partial Medicaid, often referred to as a Medicare Savings Program , unfortunately dual enrollment levels are generally low which is a tragedy as members could qualify for reduced co-payments and co-insurance for medical care and prescriptions if enrolled in these programs. These additional resources and potential cost savings have a substantial impact on a member's continuity of care and quality of life; they recognize this and the fact that nearly one-third of all Medicare Advantage members are dual eligible. Their eligibility and enrollment division administers dual eligible outreach and advocacy programs, helping its members complete the application process for enrollment into the Medicare savings Programs, Medicaid and other community assistance programs by means of direct mail, interactive voice response, inbound and outbound call centers, and in-home assistance, to efficiently reach all individuals.

By talking with members the enrollment division can also determine whether dual eligible persons may qualify for the Medicare Part D low income subsidy. Health advocates help members complete program applications which save the member substantial monthly savings while paying far less for prescription drug coverage. The eligibility and enrollment division can also step in to resolve any questions or disputes that may have resulted in a members Medicaid application being denied.

Many seniors are looking a head and think they are doing just fine, and probably are right now however there are many things that could come into play that might not have been accounted for. Karla's husband passed just after she turned age 70; being a widow she found the stress of taking care of a large home, yard, and the bill far too much and unfortunately this only compounded her already failing health which lead to a hemorrhage that required her needing round-the-clock nursing-home care. Pulling $100,000 from selling her home has given her enough money for right now, but she's done the math knows she will be flat broke in less than three years.

Republicans and Democrats can go at health care all day long but in the end the member's benefits are what are most important. Does Medicare need an overhaul, yes it is going bankrupt but is there anything the member can do about that, well yes and no- make sure you know the facts and get out and vote when that time comes in the mean time take the opportunity to talk with a health advocate, find out all you can about the benefits you qualify for now and take care of your health.




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Ditulis oleh: Unknown - Saturday, November 3, 2012

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