Posts Tagged ‘medicaid’
Tuesday, November 15th, 2011
With the economic turmoil of today we are seeing an inequality among individuals grow- as they say the richer are getting richer, and the poor are getting poorer, however in today’s market the rich might be getting richer but the middle class are joining the ranks and qualifying for the margin of being in the “poor” category.
Now let me explain why seniors are having such a hard time in the bad economy. The Census Bureau just released their latest report and it shows that in our society today of those that are over 65 their poverty rate is 12.7 percent higher than everyone else.
The government has continued to give tax breaks to the rich and the programs the poor and elderly depend on continue to be cut. It’s not just the senior group that is struggling. The report shows that more than 48 million Americans are living in poverty. That is 15 percent of all Americans.
The reason seniors are hit harder is due to the health care factor; when the Census Bureau did their report it included out-of-pocket medical expenses if these expenses had not been factored in that percent would be 16 percent.
It is often thought that the differences in an adults ability such as an motivation, education, or charisma takes on the role of whether a person can get a job or not, however many individuals can get a job regardless of the labor if the market is strong, the key is keeping a person out there trying and that can be quite discouraging for many.
May I suggest social advocacy programs- Social Service Coordinators keeps on top of legislation and provides public and privately sponsored programs nationwide-FREE. Some or the more popular programs include energy, nutrition, telephone, transportation, property tax, and co payment assistance.
So how can you get help if you are of a low income status? There are many public services out there that will offer free counseling, or jobs fares held by a community, where you can research and find out what options are out there for you. Social Service Coordinators is another community based program, free outreach and advocacy services.
There are also over 200 different Pharmacy Assistance Programs (PAP) that help qualifying Medicare beneficiaries with discounted or free medication.
Local and federal governments will continue to tighten their belts leaving more of the financial burden on the public sector. We should expect to see more job fall-outs and the poverty level continue to rise. So now more than ever it is important to talk to a health advocate start saving money.
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Tags: advocacy programs, children in poverity, disabled, grant, health benefits, health insurance, low income, medicaid, medicaid eligibility, medical insurance, medicare, state programs, subsidized, unemployment, unemployment reports
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Sunday, October 9th, 2011
Congress has been in debate over the Obamacare for quite some time and they have legit questions; according the CBO, the Medicare Hospital Insurance trust fund would hold more than $358 billion of additional government debt by the end of 2019 compared with holding under the current law; So one does have to wonder- how does the Obamacare provide Medicare “savings” that would help fund Medicare over the long-term?
While all the fight is still in Washington do you just wait it out and see what happens? NO. You have the right and all the benefits at your disposal to use now as needed. It can be quite complicated and that is why Social Service Coordinators, has put advocates out there for your educations. SSC is the leading provider in outreach and advocacy services, you can be sure they will offer eligible members a broad range of government and community assistant programs.
It is a hard fact that there are many people with Medicare, have low incomes, but not quite low enough to qualify for full Medicaid. However there are many MSPs available to help seniors, lower income people, and disabled individuals pay for some of their out-of-pocket medical expenses.
Golden Touch is another benefit through Social Service Coordinators which helps eligible member learn about and take advantage of a broad array of valuable money-saving social programs; from adult care, child care services, energy, health services, home repair, transportations and property tax programs. An extensive database of over 6,000 public and private-sponsored social programs in all 50 states allows SSC advocates helping determine what programs will work for you.
So let the Budget Committee figure out where all the money is coming from and you get back on track as to where your benefits are and start using them. You qualify for this benefit and it’s only right that you use them for a healthy and full living life.
Want to find out more about your health care benefits, then visit sscincorporated.com
Tags: elderly care, federal programs, health benefits, health insurance, low income, low income subsidy, medicaid, medical bills paid, medical insurance, medicare, medicare premium, medicare savings programs, social service coordinators, sscincorporated, state programs
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Sunday, September 11th, 2011
With these hard economic times and the Medicaid laws getting tougher to qualify for many families are taking care of the elderly. According to a report by the National Alliance for Caregiving and AARP, 43.5 million Americans looked after a friend or relative age 50 or older in 2009, 28% more than in 2004.
With the high unemployment rate, the rising cost of nursing-home care and an aging population where Medicaid laws are making it harder for to qualify it is no wonder that we are turning to each other for help. Jeffrey Bloom, an elder-law attorney in Boston, says the number of such cases in his practice has quadrupled since before the recession. “I have several clients with adult children who are out of work, “he says.”Rather than pay someone else for care, many hire the child.”
This isn’t always the best arrangement as it can put a strain on the financial responsibilities of the new care giver.
When caregivers take on this new responsibility they often have to take more time off work which does not help pay the bills, and the strain of health might be in question if there is stress derived from this as well.
A very simple solution might be to participate in outreach programs such as The Golden Touch program which Social Service Coordinators has in place. The programs is designed to assist eligible with a broad array of valuable money-saving social programs; from energy, nutrition and telephone cost assistance to transportation and property tax programs.
With Social Service Coordinators they have an extensive database of over 8,000 public and privately-sponsored social programs in all 50 states, which means immediate help for you as the caregiver and the one you are taking care of.
When there are free and or low-cost services out there available to you, don’t short change your quality of life. Get help meeting your medical costs, do it for yourself and your loved one.
Learn more about Social Service Coordinators, and start getting your medical bills paid today!
Tags: Caregivers, disabled, health insurance, local social programs, low income, low income subsidy, medicaid, medical insurance, medicare, medicare premium, medicare savings programs, seniors, social service coordinators, sscincorporated, state programs
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Friday, September 2nd, 2011
Who is looking out for the patient when health care costs keep going up and employment has become scarce- without a good job with a big company many it seems will not have health insurance. So what is a person supposed to do when they show signs of illness?
This article is from research I have done on my own and with the help of some of the guys at work for we are all in the same “boat” if you will when it comes to getting our health care bill covered so I felt it would be great to share what I have found with you hoping that this information can help someone out there who also finds the budget just a little too tight at the end of the month.
A few states have their own names for Medicaid -for example “TennCare” in Tennessee and Department of Children and Families in Florida, and “Medi-Cal” in California. States my opt to bundle together the administration of Medicaid with other programs such as the Children’s health Insurance Program (CHIP), so the same organization that handles Medicaid in a state may also manage the additional programs. Separate programs may also exist in some localities that are funded by the states or their political subdivisions to provide health coverage for indigents and minors. However keep in mind that these programs are all based on the revenue of big government to fund these programs.
With every state having their own “rules” within the health care system it can get a little crazy when you are trying to find out if the medication or procedure a doctor is recommending is covered. The internet is an awesome thing. I have searched “health care remedies” and been able to do some quick diagnoses on my own saving me a little bit of time and money not having to visit the doctor for everything, but I know I can not afford to avoid my doctor all together.
With a job where I am working hard but old enough to retire I just wanted to know why or better yet how I could get my medical bills paid. I found Social Service Coordinators is the leading health advocate center in the country with over 8,000 public or privately sponsored programs nationwide. The health advocate at SSC helped me find programs in the area where I live that helped me save money on my telephone, grocery bills, and helped me with my health- co payment.
They also have available to me and you the benefit of over 200 different Pharmacy Assistance Programs (PAP) that help qualifying Medicare beneficiaries with discounted or free medication. Social Service Coordinators has been able to assist me personally with the right Pharmacy Assistance Program that offered me much needed assistance and I’ve been able to maintain my medications regimen and stay compliant my doctors orders.
Everyone deserves a healthy life but many didn’t know they could afford it until they talk with a SSC health advocate whose sole purpose is to direct you to the benefits you deserve. They will give you free education on the health care system we are dealing with today and where you can find those public and private programs- (in your area) at no cost to you, allowing you to start saving money today.
Maxamize your health benefits with Social Service Coordinators.
Tags: baby boomers, family budget, free education, health advocate, health care, health insurance, hurt at work, medicaid, medical bills, medical insurance, medicare, out of work, pharmacy assistance programs, retirement, social services
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Saturday, July 16th, 2011
Medicare Part B covers medically-necessary services and numerous preventive services that are not covered by Medicare Part A. If you enroll in Part B, Medicare will pay 80% of the “reasonable charge” for covered services after you’ve met the deductible for that year. You’re responsible for paying the other 20% (co-insurance).
Medicare has a defined “reasonable charge” for services that may be less than what the doctor charges. In that case, you will be responsible for paying 20% plus the difference between the actual cost of service and Medicare’s reimbursement. Some doctors might accept assignment, meaning they’ll only charge Medicare’s “reasonable charge” for services, leaving you to pay the 20% co- insurance.
You are responsible for paying the Part B premium every month. The standard premium is $96.40. You may have to pay a higher premium depending on your income if you file single on your tax return and your modified adjusted gross income (MAGI) is higher than $85,000. For married filing jointly, the MAGI limit is $170,000. Individuals and couples who exceed the minimum income limits could pay as much as $308.30 a month.
If you receive Social Security or Retired Railroad Board (RRB) benefits, you’ll automatically receive Part B on the first day of the month you turn 65. Your Medicare card will come in the mail 3 months prior to turning 65. If you are under 65, you’ll receive Part B after you’ve received disability benefits from Social Security or RRB for 24 months. Your Medicare card will come in the mail on the 25th month of your disability.
Though you are automatically enrolled in Part B under the previously mentioned circumstances, you don’t have to keep it. If you don’t want Part B, your card will come with instructions on cancelling it. Follow those instructions and send the card back. If you keep the card, you will pay Medicare part B premiums. Premiums are automatically taken out from your Social Security or RRB benefits.
If you would like to receive Part B, but you are not receiving Social Security or RRB benefits, you can sign up during the initial enrollment period which starts 3 months before the month you turn 65 and ends 3 months after you turn 65. You can also sign up for Part B during the usual enrollment period from January 1 to March 31 every year and your coverage will start on July 1 of that year. Note, if you missed the signup during your initial enrollment period, you could face a 10% increase in your monthly premium.
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Tags: accounts agency, collections, debt, disability, Doctors, finance, insurance, insurance coverage, medicaid, medical, medical insurance, medicare, medicare part b, money, social security
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Saturday, June 11th, 2011
Medicaid provides medical assistances for certain types of low-income individuals. Medicaid pays medical bills with funds from federal, state, and local taxes. Patients with Medicaid may sometimes be responsible for making a small co-payment for services, but they do not usually have to pay anything for services.
Medicaid assistance is sometimes confused with Medicare, but the two are different programs. Medicare is a type of health insurance for individuals over 65 and those under 65 with certain disabilities. The eligibility requirements for Medicaid and Medicare vary.
Having a low income is not the only requirement for receiving Medicaid assistance. There are a lot of people who are poor, with incomes below the poverty level, who do not meet Medicaid requirements because they do not fit within the designated eligibility groups.
Generally these groups of people can get Medicaid assistance: Women who are pregnant and children under 6 with family income at or below 133% of the federal poverty level. Based on 2009 Federal Poverty Guidelines, a family of two would need an income less than $19, 378 to qualify for Medicaid assistance. Children ages 6-19 qualify with a family income at or below the federal poverty level. Adults who take care of children under age 18. Individuals who receive Supplemental Security Income. Teenagers up to age 21 who are living on their own and, people who are over 65, blind or disabled.
If you don’t live in a state with a medically-needy program and you do not meet the income requirements, you may not qualify for Medicaid.
In general, you must be a U.S. citizen to qualify for Medicaid. Legal immigrants may be able to qualify in certain circumstances. Illegal immigrants who would otherwise qualify for Medicare may be able to receive Medicaid assistance in emergency situations only.
Medicaid coverage can be retroactively applied up to 3 months before the application was made as long as you were Medicaid eligible for coverage during that period. So, if you incurred medical bills before you applied for Medicaid, you could have those bills covered if you make your Medicaid application within the specified time frame.
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Tags: commercial debts, debt, debt consolidation, finance, health, health care, health insurance, insurance, medicaid, medical insurance, medicare, money
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Thursday, May 12th, 2011
Florida medicaid is for low income households or someone which gives you or your family access to medical treatment. To qualify you must conform to some standards like particular income requisites like, your age, disability condition and whether or not you are presently a legal occupant. The welfares include the ability to visit a Doctor for frequent check ups and antenatal care for those that are pregnant. This way you get the insurance coverage you need that keeps you and your family good.
Medicaid is a type of medical coverage that is for low income households or individuals. It caters several medical services such as prenatal care and vaccines for children. This way you are still capable to see a doctor even if you don’t have much income and can’t open health insurance.
To qualify you must be below a particular income level. This can be a single person’s income or a household as a whole. To have coverage you have to meet detailed requisites that are supported on some factors including if you’re currently pregnant, your age, whether or not you’re impaired and if you are a U. S. Citizen. Please make sure to ask a representative of the Dept of Children and Families if you think you qualify.
Medicaid leaves a family or an individual person the coverage they need so they can get to meet a Doctor. In addition coverage leaves you access to things like maternity care, vaccines, and x-rays. This mode you can be sure to get the needed regular check ups to keep you and your family whole.
The office in Florida caters it’s occupants all the information they need to apply or get answers to their inquiries. For anyone wanting to apply for benefits you can do so on-line, or at a local branch office in person. To find out where a local service center is in your region you can simply locate this on the web or by calling immediately.
Florida medicaid allows those with a low income the health care they need including Doctor visits. This permits anyone who qualifies get medical treatment, check ups and even antepartum care. To be worthy you must see particular income levels for you and your family. Regardless where you live in the state of Florida there’s a local service center that is there to help.
Discover more about fl medicaid and how you can gain access to medical treatment. Medicaid application Florida can be done online.
Tags: health, health insurance, medicaid, medicaid benefits, medicaid eligibility, medical insurance
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Thursday, November 11th, 2010
When one thinks of health insurance it can be comforting to some as they are grateful to have this benefit, however others view the term “health insurance” as a nightmare they don’t want to remember as it can bring on fatigue, headache, and exhaustion, from memories of having to fight for their benefits.
If you are in that struggle of benefits covered and paid for vs. the payout of money from you to doctors and insurance premiums then you are not alone. At Social Service Coordinators, Inc. they want to break the uncomfortable cycle associated with health care insurance for you by providing direction to ensure every eligible person receives the social program benefits to which she or he is entitled. Social Service Coordinators, Inc, (SSC) is a private social service organization that contracts with Medicare Advantage Organizations to provide free education and assistance to enroll individuals into an array of federal, state and local social programs.
You can now schedule regular appointments with your favorite doctor and get routine check-ups for prescriptions of therapy and know you are in good hands which will allow you to live much longer than those in past years. However with all these doctors’ visit and medication should you need it comes a cost. Wouldn’t it be nice to have someone like (SSC) on your side to make sure all this is paid for under you health care plan?!
SSC aids tens of thousands of older adults and disabled individuals every year through applications for Medicare Savings Programs (MSPs), Extra Help (Low Income Subsidy) and other community assistance programs. However not enough people are getting the benefits they deserve. Rates of enrollment in the MSPs are well below those of other means-tested benefit programs. The Congressional Budget Office estimates that only 33 percent of eligible people are participating in the Qualified Medicare Beneficiary (QMB) program, and that the participation rate in the Specified Low-Income Medicare Beneficiary (SLMB) program is only 13 percent (these figures exclude people who are eligible for full Medicaid benefits). In comparison, participation rates are estimated to be 75 percent in the earned income tax credit, 66 percent to 73 percent for Supplemental Security Income, and 66 percent to 70 percent for Medicaid (as per the National Council on Aging).
There are also many individuals that are hard to reach due to lack of communication skills or fear of divulging too much information to the wrong person. It’s no wonder potential beneficiaries do not apply and fatigue, headache, and exhaustion set-in, the system seems too overwhelming.
It might sound too good however is it not your turn to be taken care of, don’t you deserve after all these years of working to have the benefits you deserve working for you? Well there is an advocate that will navigate you through the health care small print, helping you receive the benefits you are qualified for. All you need to do is call Toll Free #1-888-528-9488, or visit the website at http://www.sscincorporated.com and get started today!
Learn more about www.sscincorporated.com,and start getting your health bills paid today!
Tags: disabled, federal programs, health benefits, insurance, local social programs, low income, medicaid, medical insurance, medicare, medicare premium, medicare savings programs, social servicec oordinators, sscincorporated, state programs, working individual
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Friday, October 15th, 2010
Our nations elderly have many health needs and the price their family pays for their care can be both costly and drawn out. The emotional toll and financial responsibility of staying in a care facility or nursing home could be extremely steep.
Even with the rise in health care prices for the elderly, a lot of consumers do not realize the advantages of continual care insurance. Many long-term policies cover not only professional nursing facilities but also companion care at home.
The House and Senate started to look at care insurance that is more long-term in bills that are aimed at making the insurance more affordable and more realistic. These efforts mark a growing concern by civilians, interest groups and lawmakers about Americas care insurance cost and availability.
The offered legislation also reflects growing concern about healthcare prices climbing and the effect they have on Medicaid and Medicare. Even though it isn’t really clear whether the bills will ever cause much of a breakthrough, they are chock full of different thoughts from both Republicans and Democrats on how to raise the number of U.S citizens who have long-term care insurance.
Many of the bills also ease the Medicaid laws when it comes to long-term care advantages. In the new version of requirements, any benefits taken in from long-term care insurance will not count against Medicaid qualification. The idea is that more people will want to have long-term care insurance, and that will lessen the stress on Medicaid and Medicare.
With healthcare expenses on the rise, long-term care insurance can possibly give relief from many years of debt and bills. Acceptable coverage all depends on your financial circumstance as well as your retirement plan, so discuss it with your monetary professional for help in picking the perfect policy for you.
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Tags: collection of debt, debt, debt agency, debt recovery, finance, health, health care, insurance, medicaid, medical insurance
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Sunday, September 26th, 2010
If you have seen the news, you probably know that the US unemployment rate is still very high. People who lose a job have a lot of stress. They need to look for a new job, but also how to pay bills without a paycheck! Health insurance plans can be one expensive bill that just will not fit into a strained budget!
But unemployed people can find some ways to get health coverage for their families. There are unemployment health insurance alternatives that should be checked out! The right health plan to tide a family over will depend upon their own situation.
COBRA is a law which requires some companies to extend group heath benefits. This can be the best option for some families, especially if they rely upon comprehensive group mediccal benefits for current health issues.
COBRA benefits are not open to everybody though. Every company is not required to extend them. Even if an ex-employee does get a group plan extension, the premiums may be very high. When employed, the employee just had to pay the employee contribution. Now the terminated employee will probably have to pay the company contribution too.
Some individuals or families may have cheaper alternatives. There is a large and active private major medical market. Premiums may be lower for some families and individuals. However, private plans may not cover everything that a group plan covers.
One big issue for people seeking private medical plans is that not everybody will be accepted. Some applicants are denied for coverage because of pre-existing health conditions or lifestyle issues.
Every state has some sort of high risk health pool for declines. It can be a good option for people who cannot get other coverage, but it can also be expensive in some states. There is a new federal health plan that should have lower premiums, but it has not been fully implemeented yet in every area.
Look for more details abot state and federal high risk health insurance in your state. The national plan is new, and still evolving, but your state website should have updated details.
If you have lost your income, and also have few assets, you might try to apply to Medicaid. Medicaid is the US health insurance for poor people and families.
Children and pregnant women may be able to qualify for CHIPS. CHIPS is the children’s health insurance plan for families with low to moderate incomes. The guideliness are not as tight as Medicaid, so it can even help many middle income families.
There are also county health systems and federal clinics that provide some health care on a sliding scale fee. The Partnership for Prescription Assistance runs a website which helps people find low cost or free prescriptions. Their website, PPARX.org, is a great resource to find all sorts of medical help if you do not have much money.
It can be very tough to find the right health care when you lack health insurance. Some options are in place if you know where to look!
Have you lost a job?? Visit here for information about COBRA health alternatives. We have some unemployment health alternatives!
Tags: budget, CHIPS, cobra, economy, family, finance, health, health insurance, insurance, job loss, layoff, medicaid, medical insurance, money, unemployment
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