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.


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Do I have to get Medicare Part B if I’m still working?

How do I register for Medicare?

Medicare Part A and B

Can my doctor charge more than Medicare allows?

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!

How Senior Healthcare Direct works for you:

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

  1. Education – help you understand how Medicare works
  2. Options – we represent all of the A+ insurance companies to help you shop and compare all your Medicare options
  3. Customer Service – get your Medicare questions answered by the experts at Senior Healthcare Direct at 1-855-368-4717 or email

Learn how the Senior Healthcare Direct website can help you

What is a Medicaid Spend Down?

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.

Dental, Vision, Hearing Plan

What is Medicaid?

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

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)

Medicare Fraud Stats by MedicareBob

Robert W. Bache aka “MedicareBob™”

President / Producer

Senior Healthcare Direct

Company Toll Free: 1-855-368-4717

Learn more about Robert aka “MedicareBob™”

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Time Warner is cutting benefits to Retirees

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 ( 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.

Time Warner is cutting benefits to Retirees

Robert W. Bache aka “MedicareBob™”

President / Producer

Senior Healthcare Direct

Company Toll Free: 1-855-368-4717