Unique Content Article: What is Medicare dual enrollment?

<h2 class = 'uawtitle'>What is Medicare dual enrollment?</h2><br />
<div style='font-style:italic;' class='uawbyline'>by Neil Jennings</div><br /><br />
<div class='uawarticle'>Linda from Florida says "my insurance is too hard to understand". Linda you are not alone, studies show that more than 40 percent of the American population that currently has some sort of health plan does not fully understand the rules and or benefits of their plan. The length and wording in a plan document can often be intimidating and hard to understand.<br />
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It is important to carefully consider all your options before you determine what health plan you want to go with. For example, you should consider what your immediate needs are- will you stay with this play for a short while or do you see staying with this health plan long into the future, and if so what will your needs be then? There are several factors that can change the outcome of your decisions but number one is determining how much you want to pay out for health insurance. Many employers offer health benefits as one of the perks of working full time with their company, however as health care costs continue to rise you will see more and more small businesses offering group plans, or high deductive insurance. Group <a href="http://www.altegrahealth.com/markets/medicare/health-plans/eligibility-enrollment-solutions/"> health plans </a> are where anyone in the office can opt. in or out. You will want to know how much the plan will pay to cover your expenses, especially if you are buying into a group policy as the amount due for such things as a deductable will range in cost depending on the size of your group-- this is the amount you will pay out of pocket before your insurance will start paying for part of the cost. A good plan will have a set deductive each year. Deductible insurance is where insurance has a lower premium but you are responsible to pay for everything until you meet your deductible. The deductible can be anywhere from $1,000 to $5,000 per family per year.<br />
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If you choose a plan with a high monthly insurance premium you pay a lot to be a member of that plan but the deductible amount is lower. The deductible is the amount you pay out of your own pocket; sometimes it can be as high as $1,500 or more before the insurance company will step in and pay the rest.<br />
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Should you be one of the millions of Americans turning 65 in the next little while your health insurance will be completely different as you qualify for the social insurance program called <a href="http://www.altegrahealth.com/contact/#">Medicare</a>. Medicare is entirely funded at the federal level and focuses primarily on the older population- 65 and older, however this plan also covers people under age 65 with certain disabilities, and people of all ages with end stage renal disease. The Medicare program provides a Medicare Part A which pays for hospital bills, Medicare Part B which covers medical insurance bills, and Medicare Part D which covers prescription drugs.<br />
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With all the policy changes going on in Washington pertaining to health care, one thing most policymakers do agree on is that the population today could greatly benefit from an integrated, coordinated approach to health and social service delivery; In the past members generally faced significant fragmentation in their health care coverage. Medicare is the primary payer for hospital services and physicians, and often a separate plan- Medicare Part D is the primary payer for most prescription drugs. A state-administered Medicaid program is responsible for Medicare Part B premiums, and copayments. For those members who also qualify for full Medicaid coverage, services not covered by Medicare such as dental, vision, therapies, behavioral health services, and certain drugs are taken care of. Members are at such an advantage when they have Medicare dual enrollment: great quality nursing home care, good long-term care, more availability of physicians and specialists, and lets not forget the prescription drug programs which encourages members to use their benefits so they can stay up with their medication regimen, all the while saving the member money.<br />
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If you are not sure if Medicare dual enrollment is for and or if you qualify please contact a health advocate, it is really a very simple process; a brief phone screening will determine your eligibility for State Medicare Savings Programs or the dual Medicare program, where many people with Medicare have low incomes, but not quite low enough to qualify for full Medicaid. There are several MSPs available to help lower income older adults and disabled individuals pay for some of their out-of-pocket medical expenses. Additionally advocates can assists people who qualify to apply for "extra help" or low-income subsidy programs which are run by the Social Security administration that pays for, reduces or eliminates your Medicare Part D prescription drug premium, co-pays and deductibles. Remember if you qualify, Altegra health has expert advocates who will assist you through the application process and get you enrolled in these programs, then watch the quality of your life will improve, as you reduce and sometimes even eliminate the financial burden of monthly premiums and other out-of-pocket expenses.<br />
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About the Author:<br />
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<div class='uawlinks'>Medicare member retention begins with Altegra Health, where providing excellent member services helps protect members from gaps in Medicare coverage, by working with their <a href="http://www.altegrahealth.com/markets/medicaid/health-plans/quality-performance-solutions/">health care</a> providers, ensuring a network of quality care.</div><br />
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New Unique Article!<br />
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Title: What is Medicare dual enrollment?<br />
Author: Neil Jennings<br />
Email: sunnfunbug@gmail.com<br />
Keywords: Medicare savings program,Medicare dual enrollment,dual enrollment,risk adjustment,health,health care,saving money,Medicare,Medicaid,health insurance<br />
Word Count: 846<br />
Category: Motivation<br />
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