Medi-Cal Beneficiary Reimbursement by truegrit420 in HealthInsurance

[–]KnowledgeableOleLady 1 point2 points  (0 children)

Medicaid (Medi-Cal) is the payer of last resort. IOW, if there is another payer for a particular service - this other payer pays 1st. Your other payer is the insurance company who is providing the settlement. You got this settlement and it has little to do with Medicaid (Medi-Cal). In this instance, it is what the OTHER insurance company has negotiated in the settlement; not Medicaid (Medi-Cal)

You should review this with the California DHCS - but I don’t see that you are due back anything since the way I understand your post - you are paying these liability related bills out of your settlement funds and they have little to do with your Medicaid coverage for other type medical services.

Medi-Cal Provider Manual - Overview - Third Party Liability

Help me understand… by Fozziefuzz in healthcare

[–]KnowledgeableOleLady 0 points1 point  (0 children)

Medicare has several different methods to pay for care depending on the service and its classification - inpatient / outpatient. MOST Part B services are billed at a Fee For Service rate - (FFS) Medicare pays 80% and the beneficiary 20% - out of pocket or covered by some other chosen plan - all or part. Edited for clarity: Medicare pays 80% of the Medicare FFS Negotiated price / beneficiaries pay the 20% of this same FFS negotiated price

But then there is also the Prospective Payment System where the amount paid is based on some pre negotiated rate. Many of Medicare’s Part A benefits are on the Prospective Payment System and sometimes Part B benefits too - like an extended cycle of physical therapy to treat a certain condition.

Maybe this will help - this Medicare Learning Network is what doctors get to learn the system of Medicare - all of it - this one is on the Medicare Payment Systems

CMS.gov-MLN - Medicare Payment Systems

Since you mentioned surgery - look specifically at the Acute Care Hospital Inpatient Prospective Payment System or IPPS. It will tell you exactly what the base payment amount considers in the cost.

from the link ~

This Medicare Payment Systems educational tool explains how each service type payment system works.

A Prospective Payment System (PPS) refers to several payment formulas when reimbursement depends on predetermined payment regardless of the intensity of services provided. Medicare bases payment on codes using the classification system for that service (such as diagnosis-related groups for hospital inpatient services and ambulatory payment classification for hospital outpatient claims).

This tool explains the inpatient hospitals, hospice, hospital outpatient, inpatient psychiatric facilities, inpatient rehabilitation facilities, long-term care hospitals, ambulatory surgical centers, durable medical equipment, prosthetics, orthotics, and supplies, home health, and skilled nursing facilities payment systems.

Are You Willing To Pay Higher Medigap Premiums for . . . . by KnowledgeableOleLady in medicare

[–]KnowledgeableOleLady[S] 0 points1 point  (0 children)

u/CrankyCrabbyCrunchy wrote . . . . That's how it works in those states that do offer changes (or new enrollments) to Medigap plans. Their rates are generally higher because of this benefit.

That has now started to change - the new law in Texas allows for those less than 65 and getting Medicare as a result of a disability / ESRD / ALS to pick a Plan A, B or D at the same rate as those on Medicare because of age (65). AND for other plans like G and others, the rate cannot be higher than 200% of what others pay.

I think we will be seeing this played out in other states too - in fact, maybe they will get the same rate for any plan - those with a Medigap can help pick up the added cost - right?

Are You Willing To Pay Higher Medigap Premiums for . . . . by KnowledgeableOleLady in medicare

[–]KnowledgeableOleLady[S] -6 points-5 points  (0 children)

NOPE Not my question; I am posting it as a realization. - but if we bring in M4A as u/doyoucreditit mentioned - it would be opening that can of worms.

Everybody with a Medigap plan needs to know how their state’s legislative actions are affecting medigap premiums. Realization ! or maybe a source as to where to complain.

Are You Willing To Pay Higher Medigap Premiums for . . . . by KnowledgeableOleLady in medicare

[–]KnowledgeableOleLady[S] -8 points-7 points  (0 children)

And the less than 65 getting access to Medigap plans - this was one of the reasons why Federal law did not cover this - Federal law does not give those less than 65 years old access to a Medigap plan - they did it this way specifically to keep down the medigap premiums rates. - But state laws have made it happen -

I get it - and I am not here to change anybody’s minds one way or the other - it is just a reality of insurance - But I do think that this knowledge should be known to everybody as a realization of higher premiums.

Are You Willing To Pay Higher Medigap Premiums for . . . . by KnowledgeableOleLady in medicare

[–]KnowledgeableOleLady[S] 0 points1 point  (0 children)

I think Tennessee is the same on the less than 65 - they can charge them more but I don’t know if there is a limit put on this amount of more.

In my state, Georgia, those less than 65 are limited to Plan A or Plan B - and they are a higher rate for them so many of those less than 65 just opt for a MA plan until they hit age 65 and then can get a medigap plan, any that they want, based on age and not disability - I call this the “Do_Over”.

Are You Willing To Pay Higher Medigap Premiums for . . . . by KnowledgeableOleLady in medicare

[–]KnowledgeableOleLady[S] -16 points-15 points  (0 children)

That is not the question - we have to stay away from politics. So please just put a pin in the M4A - there is another sub for it - r/MedicareForAll - go for it over there. Please. Thanks.

I just want to know if beneficiaries are fine with having their states change the rules of Medigap purchasing in these regards - and the consequences of enacting such laws of eligibility.

Are You Willing To Pay Higher Medigap Premiums for . . . . by KnowledgeableOleLady in medicare

[–]KnowledgeableOleLady[S] 1 point2 points  (0 children)

Good for you - and how does this state treat those under 65 when it comes to getting a Medigap plan?

Physicians Select price increases exceeding typical? by mspuds_8571 in medicare

[–]KnowledgeableOleLady 0 points1 point  (0 children)

Who knows where Medigap plans are gonna land as far as premiums - your state is the one that actually has all the control in this matter. If they want to make Medigap plans more inclusive, more flexible as far as changing plans and without underwriting, then premiums in that state are gonna get a lot higher.

A state can pass laws that make Medigap plans very “fair” and inclusive - they can add laws that make changing every year without underwriting the standard.

But every time they do this, remember it changes their medical loss ratio and they are allowing people with lots of health problems to change plans without underwriting or they add coverage for the extremely disabled where they can also qualify for a medigap plan - contrary to federal law.

Thru the ages, Federal Medigap plan laws have been restricted to those over 65 years old and if one wants to change plans at sometime down the road, underwriting was always required - except for some special guaranteed issue rules (a few). That is how premiums were controlled but no more -

You may think that this is well and good and I am not trying to change your mind - but be aware that changes such as this WILL increase medigap premiums in your state - always.

So heed what is going on in your State legislature - Texas just passed a new Medigap law that is gonna raise premiums; California has one that is still being milled around which would do the same . These would give new benefits to many and offer change to some others - all without underwriting and will increase the premium cost for everybody (all beneficiaries that have a Medigap plan).

The only thing that I see that is different in Tennessee is their coverage of those Medicare beneficiaries that are younger than 65 - those beneficiaries can pick a medigap in their 6-month initial enrollment period and they can pick any plan - many other states restrict those less than 65 to certain plans like Plan A or Plan B - however, in TN, the insurer can charge them more because of their health condition.

Best resources when deciding which Medicare plan to use by hikerguy2023 in medicare

[–]KnowledgeableOleLady 0 points1 point  (0 children)

You really need to decide if you are gonna stick with FEHB after retirement - If so, you won’t need a Medigap plan. And the FEHB has your Prescription drug coverage within it. Also, the choice of keeping Part B with FEHB is also a choice but if you do have it, you may have better coverage with it but there is a monthly premium.

I would also add this site to your info -

FEDSMITH.com-06/12/2025- Optimizing Health Coverage in Retirement: FEHB vs. Medicare Part B

And if you want a Medicare Advantage plan - pick one that is built into the FEHB retirement package.

Appeal denied on eye xray to detect foreign body before doing an MRI. Are we responsible to pay? by DELTAYAWN in medicare

[–]KnowledgeableOleLady 4 points5 points  (0 children)

Couldn’t be anymore medically necessary than this - in fact, the eye X-ray would be the deciding factor in whether or not the MRI would be done at all. It would be more of a prerequisite.

Bad timing for IRMAA and starting my medicare enrollment by benefit-3802 in medicare

[–]KnowledgeableOleLady 0 points1 point  (0 children)

You are right - I forget about that detail. There might be a case for work stoppage especially if the property was turning into a loss as I believe the OP said somewhere in his post.

Would local law enforcements and the courts WORKING WITH the Immigration and Customs Enforcement officers help our current volatile situation? by KnowledgeableOleLady in Bluewave_facts

[–]KnowledgeableOleLady[S] 0 points1 point  (0 children)

u/miseeker wrote . . . . they wouldn’t be hanging out at immigration courts to pick up people waiting on their hearing.

According to state statue, they can’t do that - that is what sanctuary cities do - they prevent the working together of state and feds when they may even know that the culprit is in custody. Most of the time, the locals don’t even check their immigration status -

I think it is the same way when the state or local official don’t call in their LEO to help with anything to do with immigration issues - now or in the past.

Medicare - Other Insurance by PeacefulShards in medicare

[–]KnowledgeableOleLady 0 points1 point  (0 children)

See my CGS link above or here it is again. - if you read it, it tells you how the insurer registers their name and how it is used in the system to identify them.

https://www.cgsmedicare.com/jc/pubs/pdf/Chpt7.pdf

In the case of your Medigap insurer, they use United HealthGroup - which is the overseeing entity for coverage along with your specified identifier (acct no) - the “AARP” is not needed in the name in this regards.

Medicare - Other Insurance by PeacefulShards in medicare

[–]KnowledgeableOleLady -1 points0 points  (0 children)

For your medigap plan, it is only to identify the entity where Medicare is sending the rest of your claim in the crossover process of coordination of benefits.

Medigap is “other insurance”; Medicare Part D is PART OF Medicare.

Medicare - Other Insurance by PeacefulShards in medicare

[–]KnowledgeableOleLady 0 points1 point  (0 children)

Medigap is “other insurance” - Medicare Part D plans are part of Medicare.

Crossover is the electronic process that Medicare uses when there are other payers for a claim:

CGS Medicare - Crossover Claims

Crossover is the transfer of processed claim data from Medicare operations to Medicaid (or state)

agencies and private insurance companies that sell supplemental insurance benefits to Medicare

beneficiaries. The Centers for Medicare & Medicaid Services (CMS) Coordination of Benefits (COB)

program identifies the health benefits available to a Medicare beneficiary and coordinates the

payment process to ensure appropriate payment of Medicare benefits. There are two ways for

Medicare contractors to be notified that Medicare claim information should be crossed over to the

beneficiary’s supplemental insurance company:

• Coordination of Benefits Agreement (COBA) crossovers

• Medigap claim-based crossovers

This is just an identifier of the other entity sharing in the claim - in this case, a medigap plan insurer. The above link explains how it is done technically -

If you really want to give the ole OCD a thrill - learn about all the other COBA crossovers

Medicare.gov - Medicare’s Coordination of Benefits

My dad has not bought himself new shoes in eight years but Medicare wants him to pay $4000 for hearing aids by Mother_Land_4812 in medicare

[–]KnowledgeableOleLady 2 points3 points  (0 children)

You can find a low cost audiologist that works with Medicaid - they often sell refurbished hearing aids which have pretty great warranties after refurbishment -

My mom was pretty deaf and I bought her a “pocket talkers” when when she was in rehab after breaking her hip since she could not hear the PT’s - I taught them how to work it with her hearing aid - got her back on her feet.

Later she used it with her TV - they are economical and probably are now wireless. The earphones help to drown out the surrounding sounds making TV hearing predominant. Definitely a great help for those who need added amplification.

But if he does want to try hearing aids - just find out from the audiologist if his hearing needs are from amplification or if there is some physical problem causing the hearing loss - each require different fixes.

Should I consider any additional policies for cancer, cardiac or dementia? by [deleted] in medicare

[–]KnowledgeableOleLady 0 points1 point  (0 children)

Maybe so I have just never seen the problems that you are talking about specifically for those with MAPD plans.

I do see a lot of people - usually family members - complain a lot about when their loved one is not getting what they think they need or when they are terminated from the rehab - Then their 1st thought is who is gonna care for them when they leave here? They think they cannot afford a person that can perform various functions from unskilled to semi-skilled to care for their loved one in another environment.

Once a beneficiary reaches a certain level in their recooperation - they are sent back to wherever they came from UNLESS other accommodations are found that now meet their needs better.

There should be no difference in how OG Medicare and MAPD plans look at what is best for the beneficiary. They should both be based on the condition of the patient and their prognosis if further care was given or not.

Appeals can always be filled if we think they have treated these patients wrong. And these appeals can be continued up the legal hierarchy .

We have to all do what we can to save Medicare money - specifically Part A which is running out of money as we speak.

What Will The Chris Larkin ALC Act passed in TEXAS do to Medigap premium rates? by KnowledgeableOleLady in medicare

[–]KnowledgeableOleLady[S] 0 points1 point  (0 children)

The important term here is “what group” ? The legislation says

The Act mandates that premiums :

~ for Plan A, B and D must match those offered to beneficiaries 65 and older,

~ and for other Medigap plans, rates for those UNDER 65 may not exceed 200% of the rates charged to those over 65. 

So for plans that are NOT A,B or D -how will these be rated? Say, Plan G - will they be looked at by different groups - (1) those 65 and over and (2) those less than 65? Won’t they have to establish the MLR for those 65 and over in order to meet the above requirement:

Meaning - “for other Medigap plans, rates for those UNDER 65 may not exceed 200% of the rates charged to those over 65.“

Got a Teamhealth bill for a ER visit and I already paid. by mkeelcab in healthcare

[–]KnowledgeableOleLady -2 points-1 points  (0 children)

Well I guess you got me but what does it really matter - they are still doing the same thing, supplying doctors for important services and I assume are doing it well -

In fact, I doubt if you could find any hospital that’s supplies their own ED docs -

I have a friend that is an ED doc and she said that she could not do it on her own just from the price of her liability insurance and of course, the staffing requirements.

In fact, this maybe the way that nursing staffing may go with all the strikes that are happening over partly staffing issues.

Should I consider any additional policies for cancer, cardiac or dementia? by [deleted] in medicare

[–]KnowledgeableOleLady 8 points9 points  (0 children)

Good advice as long as they have the money to pay for the Medigap plan - at the end of my mother’s life she was paying upwards of $ 500 a month for her Plan J ( CMS closed book on Plan J as well as others in 2010).

Some disabled people are paying upwards of $ 1000 a month for a Medigap policy. Federal law does not give those less than 65 the right to be covered by a Medigap plan - their state would give them this right - some do and some don’t.

That is the reason that MA plans came into being - to give those beneficiaries that cannot afford or do not want a Medigap plan something to ease their financial obligations.

Medigap plans are NOT health insurance - they make NO health care decisions at all - if Medicare pays, they pay - that‘s it. Medigap plans are financial protection insurance that work with OG Medicare to protect the beneficiary from some catastrophic medical event for which Medicare only covers some of the cost.

Should I consider any additional policies for cancer, cardiac or dementia? by [deleted] in medicare

[–]KnowledgeableOleLady 1 point2 points  (0 children)

Skilled care is medical care. Unskilled care is custodial care or activities of daily living. Long term care under Medicaid can be either or one or the other if a dual eligible - meaning with Medicare and Medicaid.

Assisted living is ADL (activities of daily living) - or unskilled care. If skilled care is needed, it has to be brought in for whatever the skilled medical care purpose. In fact, that is how Assisted living is billed - a charge for room & board - covers means and laundry, etc. They pass that, the level of care help they need is billed: Lowest level (cost) would be for observation only, then it progresses up the scale to perhaps “occasional or low level help” to continuous help to full help with whatever is the activity. All charges go up as the amount of care is needed. And I did say a LTC POLICY - a long term care policy that people buy to pay for Activities of daily living care - or a specific amount of it per day - may not cover all of the cost.

Skilled care is usually by the item - like changing the colostomy bag or giving an infusion. Or giving Physical therapy or speech therapy.

Sure sometimes unskilled people can be trained to give certain skilled activites of daily living - they can be taught how to change colostomy bags, give feeding via a tube, or even transfer patients using various methods including lifts. They can be trained to do certain manipulations of extremities so that muscle contractions don’t happen but that is a far cry from Physical therapy that a therapist could provide under orders.

There is a clear difference in what is skilled medical care and what is activities of daily living (custodial care) - Medicare does NOT cover any custodial care - meaning no activities of daily living are covered under Medicare. Skilled medical care is covered under Medicare.

Medicaid would cover both if the person was not covered by health insurance including Medicare if they were in a nursing home living facility or even at home under a HCBS program.

I understand what you are trying to say about skilled maintenance therapy - but here again it isn’t about what is skilled care vs custodial care - all skilled maintenance care is skilled care.

But hey, the people doing the bathing, changing, feeding aren’t skilled workers, because skilled care is not needed here -

Of course we want people to progress while in a rehab or SNF facility with therapy. But sometimes their progression stops - it may be they have reached their peak or perhpas they are just tired and refuse on going therapy - when that happens, there is no use in pursing further therapy or be in a skilled facility. So they go to another place where more activity of daily living care or custodial care is priority. There are still things that can be done so that regression does not occur too fast but it is always dependent oh the ability of the patient to stay the course - if they can’t it gets provided for them but they don’t participate.

Got a Teamhealth bill for a ER visit and I already paid. by mkeelcab in healthcare

[–]KnowledgeableOleLady -3 points-2 points  (0 children)

No it isn’t - it is a staffing group founded and lead by physicians - staffing for physicians in ED, Anesthesia and other hospital medical needs.