In addition to the plans explained above, you may have other Medicare health plan choices available to you. To be eligible for these other health plan choices, you must:
Have both Part A (hospital insurance) and Part B (medical insurance).
Continue to pay the monthly Part B premium.
Live in the plan's service area (the counties in which the plan is offered).
Not have permanent kidney failure (End-Stage Renal Disease).
The following types of plans may be options for you:
Medicare Managed Care Plans
You may choose to get your Medicare coverage through a managed care plan. Medicare Managed Care Plans may include Health Maintenance Organizations (HMOs), HMOs with a Point-of-Service option (POS), Provider Sponsored Organizations (PSOs), and Preferred Provider Organizations (PPOs). These types of plans involve a specific group of doctors, hospitals and other providers who provide your care as a member of the plan.
Medicare Managed Care Plans
provide all services covered by both Part A and Part B. Most offer a variety of additional benefits, like preventive care, prescription drugs, dental care, hearing aids, eyeglasses and other items not covered by the Original Medicare Plan. Costs for these extra benefits vary among plans.
Let the Columbia River Insurance Services, help you understand and protect all of the risks you run and all of the perils your business faces. We will do this with a well thought out and executed business insurance policy designed just for our Medicare Insurance policy holders.
In addition to the Original Medicare Plan and Medicare Managed Care Plans, other Medicare health plan choices may be available in your area. These include Private Fee-for-Service Plans, Medicare Medical Savings Account (MSA) Plans, and Religious Fraternal Benefit Plans. These plans provide all services covered by both Part A and Part B. Some offer a variety of additional benefits.
For information about which ones are available in your area, look on the Internet at www.medicare.gov.
Now that it is fall it is time to plan out your year regarding Medicare services. Here are a few things to remember and act on.
Do you have the right drug plan? If not you can make changes before the next enrollment period. Any time during the year you can change Medicare Advantage Plan including Medicare Drug Plans that has a 5-star rating.
Plan your deductible. Make sure you pan out your Medicare deductible if you have Medicare Part B or are in Original Medicare.
Make preventative care appointments. Medicare covers many different preventative care screenings. Ask you medical provider to schedule your wellness visit.
Is your doctor using Electronic Health Records?Using Electronic Health Records (EHRs) and electronic prescribing can help reduce paperwork, medical errors, and health care costs
Up-to-date information about Medicare is available on the Internet at the web site http://www.medicare.gov. If you don't have a computer, your local public library or senior center may be able to help you find this information. Let the Columbia River Insurance Services, help you understand and protect all of the risks you run and all of the perils your business faces. We will do this with a well thought out and executed business insurance policy designed just for our Medicare Insurance policy holders.
If you have questions about how to enroll in Medicare, call Social Security's toll-free number, 1-800-772-1213, any business day from 7:00 a.m. to 7:00 p.m. The lines are busiest early in the week and early in the month, so it is best to call at other times. People who are deaf or hard of hearing may call a toll-free TTY number, 1-800-325-0778, between 7:00 a.m. and 7:00 p.m. on business days. When you call, have your Social Security number handy.
Lower back pain is a common infliction that affects over 80% of the adult population at one time or another in their lifetime. There are also many causes, and it can be difficult to directly determine the source of the problem without medical intervention or a visit to the doctor or chiropractor.
Some of the more usual causes are likely to be undertaking physical activity in which the body is not used to, such as strenuous gardening or lifting of overly heavy objects. This over-exertion can result in a slipped disk (or a herniated disk). This is a result of twisting, generally while lifting. A slipped disk sounds worse than it probably is. It is merely the occurrence of your spinal bone bulging slightly, and touching on some nerves. Some basic exercises can help to relieve the pain and rectify the slipped disk issue.
Tip 1: Lie on Your Back.
Now this may sound simple (and it is!) but it is also highly effective. Lie flat on the floor, with some pillows placed under your head and knees for support. This takes the strain away from your lower back. An alternative is to place a pillow on a chair seat, and rest your feet on the chair, with your back on the floor. It is recommended to stay in this position for around 5-25 minutes each session.
This is a great way of resting the back and relieving the pressure off your lower back. You should perform this exercise for no more than 1 to 2 days in a row, getting up and walking around every hour.
Tip 2: Use Heating Pads and/or Ice Packs
Heated pads will help to relieve muscle spasm. Use these for 20-30 mins at a time. Ice packs are also a suitable alternative.
Tip 3: Medicines to Reduce Swelling
Some medications that assist in reducing swelling are Aspirin and Endorphin. Panadol is also helpful in controlling minor pain while you rest your lower back and recuperate.
Tip 4: Massage for Muscle Relief
Massaging the lower back can help to reduce any inflammation and swelling. And as the muscles relax, circulation is increased and pain often lessens. If these tips are combined, together with much needed bed rest, your back pain should be gone and your back should be returned to its old self.
We recommend you always consult with your doctor regarding all health matters. Also, it wouldn't HURT to call us at (360) 883-5776 to see if we can help you lower your premiums in any way we can.
Medicare Part B Outpatient Therapy –Know Your Limits
Many of my clients receive outpatient therapy; perhaps for a hip replacement, stroke, or some other treatment. While Medicare does offer coverage for this kind of treatment, there are limitations that you need to be aware of.
Medicare places caps on these services when you receive them from outpatient providers. Remember, Medicare also requires these treatments to be medically necessary. Copayment and payments made to providers can be applied toward the cap.
Medicare Part B covers outpatient therapy, including physical therapy (PT), speech-language pathology (SLP), and occupational therapy (OT). ... In 2018, Origina lMedicare covers up to: $2,010 for PT and SPL before requiring your provider to indicate that your care is medically necessary.
Medicare allows providers to receive payments above the cap amount as long as the provider documents the need for the medical necessary services and it also must be noted on the billing statement.
Medicare Advantage may plan to apply a $1,880 therapy cap with an exceptions process if it chooses to do so. However, many Medicare Advantage plans have chosen not to apply a therapy cap in the past. You should check with your Medicare Advantage plan regarding its payment policies.
A healthy body is a happy body, and there’s no better way to preserve your health and your family’s health than with a health insurance policy from Columbia River Insurance Services.
Let’s face it, medical treatments aren’t cheap. Without health insurance coverage you could end up paying off medical bills for the rest of your life. Columbia River Insurance Services can help you find an affordable healthcare plan that’s right for you. Contact one of our friendly agents today to learn more.
Healthcare reform still has created many questions and concerns for individuals. When considering health insurance, you want the most coverage for you and your family. We can provide you with guidance and support in selecting a plan that is best suited for you. We have identified many factors for you to consider when selecting an individual plan.
There are plenty of health plans available directly from insurers, without going through a marketplace.
How To Select Your Individual Health Plan
Use an independent agent - We have access to many markets and special programs. This would include coverage under the healthcare reform.
Look at several plans- Each plan offers different levels of coverage.
Consider any dependents- If you have children under age 26 without health insurance coverage through an employer; the law permits them to be on your insurance.
Review providers in the network- You may want to make sure your primary care physician is in network.
Determine what you need vs. what you want- Determine what you need and focus on that.
Consider deductibles- Plan premiums can vary with high deductibles; this may save you considerable dollars.
Make sure your drugs are covered. You’ll want to make certain that the plan’s formulary, or list of covered medications, includes those you regularly take, especially if they are expensive.
Don't just look at premiums. Figure in other out-of-pocket costs you will face and compare these within each plan. Finally, you should expect your agent to continue advising and helping you even after you purchase a policy. It does not cost you any more to use our services, so call us today
A Few Reasons Why Columbia River Insurance Services Insurance Specialists is right for your business
Get a quote onlineor call us to speak with one of our licensed insurance representatives. Get the help you need and learn more about the benefits and features our customers enjoy.
Competitive Pricing -we work hard to find the best rate through all the carriers we represent
Monthly Premiums - flexible payment plans and low down payments
Stability and Dependability - financially strong with many years of experience
Fair & Efficient Claim Handling - we personally will walk you through the claims process
Anti-Fraud Programs - our carriers investigators have saved tens of millions of dollars
Loss Control Support - Online resources help you manage risk and control injuries