21st Century Insurance, AAA Insurance Co., AARP, Abrazo Health, Acceptance, Admiral Life, Advantra, Advocate Health, Aetna, Agent Pipeline, AGA, AFLAC, AHCP, AHIA, AHIX, AIG, AIP, AIS, AIU Insurance, Allegiant Group, Allied Insurance, Allstate County Mutual, Allstate Indemnity, Allstate Insurance, All Web Leads, American, Alliance Insurance, American Automobile Insurance, American Casualty, American Continental, American Deposit Insurance, American Direct Business Insurance, American Empire Insurance, American Family Insurance, American Family Mutual, American Financial, American General, American Health Underwriters, American Home Assurance, American Insurance, American International Ins, American International Pacific, American International South, American Manufacturers, American Mayflower Insurance, American Motorists Insurance, American National Insurance, American Premier Insurance, American Protection Insurance, American Republic, American Savers Plan, American Security Insurance Company, American Service Insurance Agency, American Skyline Insurance Company, American Spirit Insurance, American Standard Insurance – OH, American Standard Insurance – WI, Americare Group, AmeriChoice, Amerigroup, AmeriHealth, Amerilife, AmeriPlan, Ameriprise, Amica, Amica Insurance, ANPAC, Answer Financial, Anthem, Anthem / BCBS, AON, Apollo Interactive, Arbella, Associated Indemnity, Assurant, Assured Life, Atlanta Casualty, Atlantic Indemnity, Atomic Leads, Auto Club Insurance Company, Auto Owners, Avmed, AXA Advisors, Bantam Connect, Banker’s Fidelity, Bankers Life and Casualty, Bankrate, Banner Life, Bartleson Brokers, Bayside Insurance, Best Agency USA, BCBS, BCBS of Florida, Benefit Mall, Benepath, Blue Cross, Blue Shield of California, Blue Cross of South Carolina, Boomer Benefits, Bravo Health, Bright Health Insurance Company of Alabama, Inc., Bright Health Company of Arizona, Bright Health Insurance Company, Brookstone Financial, Brooke Insurance, Cal Farm Insurance, California State Automobile Association, Cambia, Capital Choice, CareMore, Carevalue, CDPHP, Centene, Cherry Blitz, Choice Direct, Chubb, Cigna, Citizens, Clarendon American Insurance, Clarendon National Insurance, ClearLink, Clear Link Insurance Agency, Clear One, CAN, Colonial Insurance, Colonial Penn, Community Care, Comparison Market, ConnectiCare, Continental Life, Consumer United, Continental Casualty, Continental Divide Insurance, Continental Insurance, Continental Life, Cotton States Insurance, Country Insurance and Financial Services, Countrywide Insurance, Coventry, Coverage One Insurance Group LLC, Covida, CSE Insurance Group, Dairyland County Mutual Co of TX, Dairyland Insurance, Datalot, Direct Auto, E-Telequote, eAmerifamily, efinancial, eHealthInsurance Services, Elderplan, Electric Insurance, Empire, Encompass, Erie Insurance Company, Erie Insurance Exchange, Erie Insurance Group, Erie Insurance Property and Casualty, Esurance, Excellus, Family Life, Farm Bureau/Farm, Family/Rural, Farmers Insurance, Farmers Insurance Exchange, Farmers TX County Mutual, Farmers Union, Fidelis, FinanceBox.com, Fire and Casualty Insurance Co of CT, Fireman’s Fund, First Family Insurance, First Preferred Insurance, Florida Blue, Foremost, Foresters, Forethought, Fortis, Freedom health, Gateway Health Plan, GEICO, Geico Casualty, Geico General Insurance, Geico Indemnity, Geisinger, Genworth, Gerber, Geber Life, GHI, Globe Life, GMAC/NGIC, GMAC Insurance, Go Direct Lead Generation, GoHealth, Golden Rule, Golden Rule Insurance, Government Employees Insurance, Government Personnel Mutual Life, Great American, Gaurantee Trust Life, Guaranty National Insurance, Guardian Healthcare, Guide One Insurance, Hanover, Hanover Lloyd’s Insurance Company, HAP Health Alliance, Hartford Accident and Indemnity, Hartford Casualty Insurance, Hartford Fire Insurance, Hartford Insurance Co of Illinois, Hartford Insurance Co of the Southeast, Hartford Life, Hartford Omni, Hartford Underwriters Insurance, Harvard Pilgrim, Health America, Health Benefits Direct, Health Choice One, Healthcare.com, HealthMarkets, HealthMarkets / Insphere, Health Net, Health Plus of America, Healthcare Advisors, HealthPartners, Health Plans America, Health Plus, HealthShare American, HealthSpring, Health Trust Financial, Highmark, HIP Health Plan, HomeInsurance.com, HPO, Humana, Ideal Concepts, IFA Auto Insurance, IGF Insurance, Independence Blue Cross, Infinity Insurance, Infinity National Insurance, Infinity Select Insurance, ING, Inside Response, Insphere, Insurance.com, Insurance Insight, InsuranceLeads.com, Insured Street, InsWeb, Integon, Integrated Benefits, Inter Valley Health Plan, IPA Direct, JLS, John Hancock, Kaiser, Kaiser Permanente, Kelsey-Seybold, Kemper, Kemper Lloyds Insurance, Keystone, Landmark American Insurance, Leader National Insurance, Leader Preferred Insurance, Leader Specialty Insurance, Liberty Health Plan, Liberty Insurance Corp, Liberty Mutual, Liberty Mutual Fire Insurance, Liberty Mutual Insurance, Liberty National, Liberty Northwest Insurance, Lincoln National, Longevity Alliance, Loyal American, Lumbermens Mutual, Martin’s Point, Maryland Casualty, Mass Mutual, Medicare Insurance Consultants, Medicare Providers, Medicare Solutions, Mega/Midwest, Mercury, Mercy, MetLife, MetLife Auto and Home, Metropolitan Insurance Co., Mid-Continent Casualty, Mid Century Insurance, Middlesex Insurance, Midland National Life, Molina, Mutual of New York, Mutual of Omaha, MVP, National Ben Franklin Insurance, National Brokers of America, National Casualty, National Continental Insurance, National Fire Insurance Company of Hartford, National Health Insurance, National Indemnity, National Union Fire Insurance of LA, National Union Fire Insurance of PA, Nationwide, Nationwide General Insurance, Nationwide Insurance Company, Nationwide Mutual Fire Insurance, Nationwide Mutual Insurance, Nationwide Property and Casualty, New England Financial, New Era, New York Life, New York Life Insurance, Northwestern Mutual, Northwestern Mutual Life, Northwestern Pacific Indemnity, Omni Indemnity, Omni Insurance, Optimum HealthCare, Orion Insurance, Oxford, Pacific Indemnity, Pacific Insurance, Pacific Life, Pacificare, Pafco General Insurance, Palmetto Senior Solutions, Parasol Agents Network, Patriot General Insurance, Peak Property and Casualty Insurance, PemCo, PEMCO Insurance, Physicians United Plan, PJP Health, Plymouth Rock, Precise Leads, Preferred Mutual, Premera Blue Cross, Presbyterian Health Plan, Principal, Priority Health, Progressive, Progressive Auto Pro, Providence, Prudential, Prudential Insurance Co., Puritan Health, Pyramid Life, QuoteWhiz, QuoteWizard, Regence, Reliance Insurance, Reliance National Indemnity, Reliance National Insurance, Republic Indemnity, Response Insurance, RPM Direct, Safe Auto, SAFECO, Safeco, Safeway, Safeway Insurance, Safeway Insurance Co of AL, Safeway Insurance Co of GA, Safeway Insurance Co of LA, SCAN Health Plan, SCMS, Scott and White, Secure Horizons, Security Insurance Co of Hartford, Security National Insurance Co of FL, Selective Healthcare, SelectQuote, Senior Health Direct, Senior Healthcare Direct, Senior Market Partners, Sentinel Insurance, Sentry, Sentry Insurance a Mutual Company, Sentry Insurance Group, Shelter Insurance Co., SolidQuote LLC, Spring Ventur Group, Spring Insurance Solutions, St. Paul, St. Paul Fire and Marine, St. Paul Insurance, Standard Fire Insurance Company, Standard Life, State and County Mutual Fire Insurance, State Farm, State Farm County, State Farm Fire and Cas, State Farm General, State Farm Indemnity, State Farm Insurance Co., State Farm Lloyds Tx, State Farm Mutual Auto, State Fund, State National Insurance, Sterling, Stephen James Insurance Agency, Superior American Insurance, Superior Guaranty Insurance, Superior Insurance, SummaCare, Summit Health, Sun Coast, Sure Health Plans, SVG, TexanPlus, The Ahbe Group, The Benefit Depot, The General, The Hartford, The Lead Company, TICO Insurance, TIG Countrywide Insurance, Titan, Torchlight Technology, LLC, The Benefit Link, The Lead Co, Touchstone, TransAmerica, Travelers, Travelers Indemnity, Travelers Insurance Company, Tri-State Consumer Insurance, TruBridge, Tufts, Tiburon Insurance Service, Twin City Fire Insurance, TZ Insurance Solutions LLC, UMA, UniCare, United American/Farm and Ranch, United Healthcare, United Healthcare Advisors, United Medicare, United Medicare Advisors, United of Omaha, United Pacific Insurance, United Security, United Services Automobile Association, Unitrin, Unitrin Direct, Universal American, Universal Underwriters Insurance, UPMC, USAA, USA Benefits/Continental General, USF and G, US Financial, Velapoint, Vibra Health Plan, Versus Media Group, Viking County Mutual Insurance, Viking Insurance Co of WI, Viva Health, Wellcare, WellPoint, Western and Southern Life, Western Mutual, Windsor Insurance, Woodlands Financial Group, Zurich North America or other partners.
Medicare General Information
This blog section contains general information about Medicare. For example, we answer general Medicare question and update you on Medicare changes. Amid the COVID-19 pandemic, you can get Coronavirus tips to stay safe and apply for Medicare Part B from the safety of your home.
Can my doctor charge more than Medicare allows?
In this MedicareBob video, Robert Bache answers the question, “Can my doctor charge more than Medicare Allows?” Furthermore, certain Medicare Supplement Plans do not cover Part B excess charges. Watch this video to discover what this means and what you should do if your Medigap Plan does not cover Part B excess charges.
Learn more about Medicare Part B Excess Charges
Learn which Medicare Plans in 2020 cover Part B excess charges. What is medicare assignment? Most important, find out which doctors accept Medicare-approved payment and more!
Robert Bache founded Senior Healthcare Direct with one belief, “that everyone on Medicare should have the right plan for them.”
3 Way We Work For You
- Education – help you understand how Medicare works
- Options – we represent all of the A+ insurance companies to help you shop and compare all your Medicare options
- Customer Service – get your Medicare questions answered by the experts at Senior Healthcare Direct at 1-855-368-4717 or email firstname.lastname@example.org
Learn how the Senior Healthcare Direct website can help you
What is Medicaid Spend Down?
The Medicaid “Spend Down” program (also known as Medicaid Excess Income or Surplus Income) is for people who have too much income for the regular Medicaid program, but who also have high medical bills. In this program, Medicaid can pay some, but not all, of a person’s medical bills.
If a person’s monthly income is over the Medicaid level, the amount their income over the Medicaid level is called excess income. It is like a deductible. If a person is eligible for Medicaid except for having excess income and can show that they have medical bills equal to their excess income, Medicaid will pay their additional medical bills beyond that for a determined amount of time.
In effect, the person can “spend down” their income by paying some of the medical bills. Depending on the State, and whether the medical bills are for Outpatient or Inpatient/Hospital Care and Services, this benefit is granted from one to six months at a time. Each time period a person will have to meet a new “spend down amount.” The person will be responsible for all medical bills up to their “spend down amount.” Medicaid will cover all medical costs above that amount for the rest of that timer period.
Medicaid Spend Down Programs
When your income is above the Medicaid income guidelines in your state, your State may offer a Medicaid spend down program for aged, blind, and disabled (ABD) individuals. In this program, you can deduct certain medical expenses from your income so that you can qualify for ABD Medicaid. You may qualify for Medicaid Spend Down program if you have medical expenses that significantly reduce your usable income.
Furthermore, you may qualify for Extra Help for Medicare Part D. Find out if you qualify for Full Low-Income Subsidy (LIS) or partial subsidy.
What is Medicaid?
Medicaid is a joint federal and state program that helps pay medical costs for certain groups of people with limited income and resources (e.g., pregnant women, children, the aged, blind, or disabled).
Medicaid programs vary from state-to-state. Eligibility criteria or benefits may be different as well. They may also be called by different names, such as “Medical Assistance” or “Medi-Cal” in California or acronyms like “CoLTS” in New Mexico (CoLTS stands for Coordination of Long Term Services). Because each state determines what programs are funded, and the programs operated may be specific to that state, we are focusing on the programs that work with Medicare.
The following are some examples:
Medicare Savings Programs
• States have programs that pay Medicare premiums and, in some cases, may also pay Medicare Part A and Part B deductibles and coinsurance.
Full Medicaid Benefits
• In addition to funding premiums, deductibles and coinsurance, states may also fund other health-related services not covered by Medicare.
Written by: Robert Bache aka “MedicareBob™”
Robert is the owner of Senior Healthcare Direct. Senior Healthcare Direct assists seniors with understanding their Medicare insurance options. Senior Healthcare Direct is unique in many ways, one is how many different insurance companies are offered through Senior Healthcare Direct.
For any questions regarding Medicare Insurance, call 1-855-368-4717.
Find out if you are eligible for medicare with the updated 2020 Poverty Guidelines.
Medicare Fraud Stats from 2000 – 2007:
• Medicare and Medicaid made an estimated $23.7 billion in improper payments in 2007. These included $10.8 billion for Medicare and $12.9 billion for Medicaid. Medicare’s fee-for-service reduced its error rate from 4.4 percent to 3.9 percent. (U.S. Office of Management and Budget, 2008)
• Every $1 the U.S. government invests in combating Medicare and Medicaid fraud saves $1.55. (U.S. Department of Health & Human Services, 2009)
• Medicare paid dead physicians 478,500 claims totaling up to $92 million from 2000 to 2007. These claims included 16,548 to 18,240 deceased physicians. (U.S. Senate Permanent Committee on Investigations, 2008)
• Nearly one of three claims (29 percent) Medicare paid for durable medical equipment was erroneous in FY 2006. (Inspector General report, Department of Health and Human Services, 2008)
• Medicare and private health insurers pay up to $16 billion a year for needless imaging tests ordered by doctors. (American College of Radiology, 2004)
Other Medicare Fraud Stats
Medicare paid more than $1 billion in questionable claims for 18 categories of medical supplies that patients don’t appear to need. The study covered claims between January 2001 and December 2006. The claims included walkers for patients with purported sinus congestion, paraplegia or shoulder injuries. Hundreds of thousands of claims were made for diabetes-related glucose test strips for patients with purported breathing problems, bubonic plague, leprosy or sexual impotence. (U.S. Senate Permanent Subcommittee on Investigations, 2008)
Robert W. Bache aka “MedicareBob™”
President / Producer
Senior Healthcare Direct
Company Toll Free: 1-855-368-4717
Learn more about Robert aka “MedicareBob™”
Please “Like” Senior Healthcare Direct on Facebook:
Time Warner, acquired by Charter Communications on May 18, 2016, is cutting benefits to Retirees:
MedicareBob™ has been elected to assist Medicare Beneficiaries that are losing their Retirement Health Plan from Time Warner.
According to an August memo obtained by Reuters, the media company will make allocations to a Health Reimbursement Arrangement account for retirees to use towards the purchase of coverage on an exchange. Previously, Time Warner provided an indirect subsidy through a supplementary Medicare program.
The shift “will ultimately be beneficial for all retirees by providing more choice of coverage … for, in many cases, a lower cost,” the memo, which was written by James Cummings, the company’s senior vice president of global compensation and benefits.
Time Warner is cutting benefits to retirees that will result in coverage change effective on January 1, 2014.
“This is becoming more and more common, companies are realizing that providing an HRA (Health Reimbursement Arrangement account) for their retirees will not only save the company money, but also in many cases allow their retirees access to better health insurance. Between Medicare Advantage Plans and Medicare Supplement Plans, each retiree usually has a lot of good options available to them.” Robert Bache, President at Senior Healthcare Direct.
Robert Bache aka “MedicareBob™”, owns an online / Telephonic Medicare Insurance Exchange / Brokerage, Senior Healthcare Direct (www.SrHealthcareDirect.com). Senior Healthcare Direct is the doorway for Medicare Beneficiaries to easily shop for their Medicare Insurance online and/or with one phone call.
“Our Agency is licensed in 36 states and we represent the Top 10 Medicare Supplement Insurance Companies. Our service is simple, we help seniors in understanding their options, and then we assist them with their enrollment” Robert Bache, President at Senior Healthcare Direct.
If you are losing your Retirement Plan from Time Warner, or you want to review your Medicare Insurance options, please contact Senior Healthcare Direct by calling toll free, 1-855-368-4717.
Robert W. Bache aka “MedicareBob™”
President / Producer
Senior Healthcare Direct
Company Toll Free: 1-855-368-4717