Alheizmer's Video...

Seth Rogen's opening statement in front of a government committee regarding Alzheimer's and his personal connection.  Funny with a great message:

Home Health Care Cuts

From Foxnews.com

Sebelius cuts in funds could jeopardize hundreds of thousands of jobs.

Health and Human Services Secretary Kathleen Sebelius may recently have had her own embarrassing moment akin to President Obama's promise that everyone could keep their health plan and their doctor, no matter what.

Discussing the impact of ObamaCare on jobs, she said last week in Orlando, “There is absolutely no evidence and every economist will tell you this, that there is any job loss related to the Affordable Care Act."

But Sebelius herself, using discretion granted her by the Affordable Care Act, cut the maximum allowed by law from home health care funds. The cuts were deep enough that officials...CLICK HERE FOR VIDEO / STORY

In Patient VS. Observation

The following video explains what happens when a Medicare beneficiary goes to the hospital under the impression they are an in-patient but the hospital classifies them under observation:


Make sure you share with your clients if they are "admitted" to the hospital they are classified as an in-patient and were not simply being observed.

2015 Medicare Part D Preview

CMS released the Medicare Part D 2015 parameters. These are not the final Part D numbers.

2015 Part D Parameters
	2014	2015
Deductible	$310	$320
Initial Coverage Limit	$2,850	$2,960
Out of Pocket Threshold	$4,550	$4,700
TrOOP	$6,455	$6,680
Catastrophic Co-Pay	$2.55 $6.35	$2.65 $6.60

We will have more information as it becomes available.

Obama Administration Proposes 1.9% Cut In Medicare Advantage Payments

From Kaiserhealthnews.org: An Obama administration announcement about payment rates for Medicare Advantage plans in 2015 has set off a dispute about how large – or small – the changes really are. Late Friday, the Centers for Medicare & Medicaid Services announced proposed rates that officials said could mean payment reductions of 1.9 percent for the private plans in the program. But insurers, who have led a fierce lobbying campaign against payment reductions, say the Medicare Advantage plans would sustain a far deeper cut. That's because the lower payment rates will be combined with new health law fees on health plans...CONTINUE READING HERE

Explaining Medicare Part D

Looking to explain Medicare Part D to your clients?  Try this diagram!

Still selling price?

If you are still marketing on savings, your message may be falling on deaf ears.

Look at the P&C market commercials; 15 minutes can save you 15% or more, 7 1/2 minutes can save you money, call us and we will show you all kinds of rates, etc...

Now how many seniors do you have as clients who have had the same auto & home policy for 5, 10, 15+ years.  Sure, they may be able to save money, but at what cost?  

Trust and good service can outweigh savings.  Sure, they can save money but will they get good service?  Can they trust this new company that is more concerned about saving them money?

Start to focus on trust and quality, and let the amateur agents focus on cost.