by tcope » Tue Dec 15, 2009 05:46 pm
Medicare is a national health insurance program that was implemented by the US government in the year 1965 as part of the Social Security Act. Since then Medicare has been serving elder Americans, who have reached the age of 65 and have certain disabilities, in getting proper medical care that they need and deserve.
Who qualifies for Medicare?
You will qualify for Medicare under certain conditions. You must be
- 65 years or older or
- Under age 65 but with a specific disability or
- Any age but with terminal-stage renal disease
Who is eligible for Medicare and how to enroll?
Medicare insurance is an entitlement program just like Social Security and anybody who meets the qualifying criteria for Medicare is eligible. The Medicare eligibility criteria are constant throughout America and coverage constant and independent of the state you get treated in.
What are the benefits of Medicare?
Medicare benefits have been divided in 4 main parts by "The Department of Health and Human Services":
- Medicare Part A (Hospital Insurance):
Covers part of inpatient care in hospitals, skilled nursing facility, home health care (if you meet certain conditions) as well as hospice services. Benefit from Medicare Part A can be received beginning from the time you turn 65 if you already receive benefits from Social Security or the Railroad Retirement Board (RRB). If you are under 65 years and have some kind of disability, Part A benefits will be provided after you get disability benefits from Social Security or Railroad Retirement Board for 24 months. You will receive a Medicare card either in the mail 3 months in advance to your 65th birthday or on the 25th month of your disability.
When should you enroll for Medicare Part A?
Medicare Part A or Hospital Insurance can be bought during the period beginning 3 months prior to your 65th birthday and ending 3 months after your 65th birthday. You may also buy this insurance during January 1and March 31 every year. You may even opt for a special enrollment in case you are covered under the group health insurance plan of your spouse's employer or union. - Medicare Part B (Medical Insurance):
Covers services like doctor's service and outpatient care and also a part of the preventive services that helps maintain your health and check some health conditions from worsening.
When should you enroll for Medicare Part B?
If you already get Social Security Benefits or Railroad Retirement Board (RRB) benefits then you will automatically get Part B beginning the day you turn 65. If you are under 65 and disabled, you will be entitled to certain disability benefits from Social Security or RRB for 24 months. - Medicare Part C (Medicare Advantage Plans):
Private insurance companies approved by Medicare manage Part C. Medicare providers have combined hospital care, medical care and also sometimes prescription drug coverage in this plan. Such a plan can, however, charge different co-insurance premiums, co payments or deductibles compared to those charged by the government in Medicare parts A and B.
Part C or which is also popularly known as the Medicare + Choice or "Medicare Advantage" plan requires that you should pay a monthly premium in addition to the fixed premium. Whenever you see a doctor you need to pay a fixed amount but for seeing a specialist you need to pay extra. This plan may be more expensive than the original Medicare plan. - Medicare Part D (Prescription Drug Plan): Covers part of the cost for your prescription drugs. Individual plans vary in cost and the benefits received may also differ. Prescription Drug Plan can be added with the help of private insurance companies. However, if you have Medicare Hospital insurance and Medical Insurance, you will be automatically entitled to the Prescription Drug Plan.
With Medicare Part D you can pay less when buying prescription drugs. Use the Medicare ID card at any drug store and if you have limited income, you may get additional assistance with the costs.
Is there a supplementary plan for Medicare?
Yes there is a Medicare supplement plan for those who feel there are significant gaps or large expenses that is associated with medical cost sharing that can later add up to a Medicare plan. Solutions to cover these gaps have been developed by the collaborative efforts of the Federal and State Governments. You can choose from different levels of coverage.
Is there an alternative to Medicare?
Yes, you can go for a Medicaid plan if you think you can't pay for Medicare right now. Medicaid is available only to families that have a low income and that are eligible for medical aid as mentioned by the federal and state laws.
Medicaid is meant to directly send money to your health care provider. You might just have to pay a co-payment or some fixed amount for any medical service that you take and this amount will depend on the state that you live in. There are certain requirements for Medicaid like:
Medicaid is meant to directly send money to your health care provider. You might just have to pay a co-payment or some fixed amount for any medical service that you take and this amount will depend on the state that you live in. There are certain requirements for Medicaid like:
- Your age
- Whether you are pregnant
- Your income and resources (bank accounts, real property or any other item that can be sold for cash)
- Whether you are disabled (blindness included)
- Whether you are a US citizen or a lawfully admitted immigrant
Medicare has always had a "super lien"... meaning that Medicare could always seek recovery on a payment even if they had not informed the payer of their lien and even if the payer already paid some other party. Now there is Section 111, requiring pretty much everyone to notify Medicare of a payment is being made on an injury claim. That is, insurance companies now need to be pro-active and tell Medicare that they are making a payment beforehand so that Medicare can seek recovery. Medicare no longer needs to learn that a payment is being made... they need to be told.
I have a claim where I have $10,000 to pay toward medical bills. I know the bills were paid by Medicare so I called them to inform. They told me that I needed to report a "claim" and that someone would call me w/in 45 days. I have to file a "claim" when they already know about the claim? Needless to say no one called me so I called back to follow up. Now they tell me that I need to have the person's ID# or they cannot do anything for me. I explain that I simply want to issue then a $10,000 payment and need to have some lien paperwork. They tell me that they cannot discuss it with me due to privacy issues. Huh? If they need authorization to send me a lien then shouldn't _they_ get authorization? Why should I force the injured person to give them autho to send me a bill?
So even though Medicare had all the rights in the world.... and then added more, they _still_ can't figure out how to take money when it's handed to them.
BTW - I was on the phone for 45 minutes to learn this.
I have a claim where I have $10,000 to pay toward medical bills. I know the bills were paid by Medicare so I called them to inform. They told me that I needed to report a "claim" and that someone would call me w/in 45 days. I have to file a "claim" when they already know about the claim? Needless to say no one called me so I called back to follow up. Now they tell me that I need to have the person's ID# or they cannot do anything for me. I explain that I simply want to issue then a $10,000 payment and need to have some lien paperwork. They tell me that they cannot discuss it with me due to privacy issues. Huh? If they need authorization to send me a lien then shouldn't _they_ get authorization? Why should I force the injured person to give them autho to send me a bill?
So even though Medicare had all the rights in the world.... and then added more, they _still_ can't figure out how to take money when it's handed to them.
BTW - I was on the phone for 45 minutes to learn this.
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Posted: Tue Feb 19, 2019 02:40 pm Post Subject: journey to Kiev
airballoon kiev
https://culturalkiev.com/
INDIVIDUAL TOUR
Just choose a guide and time for an exciting walk around the city!
Individual tours are the most popular and preferred by tourists. Often arriving in an unfamiliar city you feel more comfortable accompanied by a guide. Therefore, you can relax and enjoy all the advantages of hanging out in the new city. Our guides know Kiev and its most famous sights perfectly, they'll suggest you the places to have a tasty snack, buy unique items and souvenirs, spend time in a good company and have a pleasant conversation. Join us!
WHEN YOU ORDER A TRANSFER SERVICE OR CHOOSE ANY KIND OF TOUR YOU WILL GET A NICE BONUS: A FREE LOCAL SIM CARD AND WI FI INTERNET THROUGHOUT YOUR JOURNEY
CULTURAL KIEV
The company 'Cultural Kiev' will make your stay in the capital as comfortable as possible. We offer all the services you need to fully enjoy the beauty of Kiev.
Let us assist you with: guided tours, translators, transportation services, accommodations and other concierge services. |
https://culturalkiev.com/tour
Our tours Say YES to new experience!
Seven wonders of Kiev, Guide for an hour,Mystical Kiev,Botanical Garden&Photo,Tour of corruption,Exclusive tours,Lights of the night city|
https://culturalkiev.com/our_guides
Our Guides 'The only way to do great work is to love what you do'
DO I NEED PRIVATE GUIDE IN KIEV? This is one of the questions that a lot of tourist ask themselves. And we want help you figure out.
A PRIVATE GUIDE IS BETTER THAN ANY GUIDEBOOK. With a private guide, you can be sure that they will show you the Kiev that many tourist do not see, and will make an exceptionally personal private tour for you with the places that you won't find in any guidebook.
WHERE TO GO? WHERE TO EAT? HOW TO GET THERE? Your private guide knows the answers to all of these questions, so you don't need to worry about how to get from one place to another or where to find the best places to eat. Your guide will organize everything for you and can also correct your itinerary.
MAKE YOUR OWN TOUR. Only with a private guide you can make your perfect tour. Every place that you'd like to visit can be included in your tour and your guide can map out all of them in the best way.
SAFETY. With our private guides you can be sure about your safety when you are walking around the city. You can also be sure that we will take you to places where no one will deceive you when dining or buying souvenirs.
EXPERIENCE AND KNOWLEDGE. Our guides are professionals in the field of their knowledge. We like to communicate with people, share experiences and knowledge from all over the world. We cherish passion and love for our native land and our history, and we want to share this with you.|
https://culturalkiev.com/services#ul-id-0-10
Service We care about the quality of services
AIRPORT SHUTTLE SERVICE
We are pleased to offer you airport shuttle service in Kiev. You quickly and safely get to the right place in the city with our professional drivers and comfortable cars. Our drivers are licensed, insured. You do not need to worry about how to find a taxi, stand in line for a bus or worry that you will not be met. Your driver will be waiting for you directly at the gate with a personalized sign, to assist you with your luggage and escort you to your waiting car.
If you are late Airport pickups include 60 minutes of free wait time. Don't worry about anything; enjoy your stay in Kiev! WELCOME!
TRANSLATOR /INTERPRETER
Our company will be glad to provide you interpreter service for any kind of event. We offer support of:
? Business meetings;
? Conferences;
? Seminars;
? Presentations;
? Business negotiations
The professionalism of the translator plays an important role. We work with the best translators. Only professionals will be able to ensure a clean and high quality of work, actingin your interests.
You can order:
Consecutive interpreting
Synchronous interpreting
Accompaniment of guide-interpreter
Simultaneous interpretation is one of the most complex types of interpretation, performed with the use of special equipment. We are the best in this! Contact for more information.|
PERSONAL DRIVER
Driving can prove difficult in an unfamiliar city. We can help you in renting a car or ordering a personal driver who knows the city well. Our drivers are of the highest skill, observing the rules of the road. They are always courteous and conscious of their passengers’ needs. We understand that plans change. That’s why our drivers are flexible to your needs and can adapt to last minute changes in plans. You can feel safe leaving the driving for us.?
If you choose this service you safe travel even in bad weather, saving time in moving around the city, will allow you to use your time enjoying what Kiev has to offer.|
PROFESSIONAL CONCIERGE SERVICE
We want to make your stay in Kiev as comfortable as possible. You can use the service of professionals. Finding the perfect lodging is an important moment for any trip. We will help with this decision, taking into account any wishes. We can provide you with a customized list of the most suitable resorts, hotels, or affordable hostels. Guests who require long stay, we can help in this regard.
Once you have chosen the right option for you, we will take care of making all the necessary reservations.? We can help you to book tickets for trains, or buses.
We will give you a journey of your dreams!
Tell us your desired form of transportation, the desired route and the exact dates of the trip – and we’ll take care of everything. If you need to find a taxi, have something delivered to your place of lodging, or make reservations for restaurant- we will make it for you!
Advantage:
We have a portable Wi-Fi in our arsenal of services. The Internet is an irreplaceable assistant in the modern world. You need permanent internet access!|
https://culturalkiev.com/o_nas
About our company
We work to make your wishes come true
Welcome to Cultural Kiev
We are a young company in the tourism market, so it is important for us to ensure high quality and professionalism for our customers. The company offers the services: the organization of excursion routes for individuals and groups, the services of professional translators, transfer services, exclusiveand extreme tours, hotel and local transport tickets booking. Our way is different from other companies because we always work thinking of you, of your needs, but above all, of your expectations. We know that every detail is important, and for this reason makes our besteffort to care for all those "little things" which will always make the difference so that your trip will be exceptional. Our service is characterized by flexibility and creativity in the design of routes, for this we are diligent about the choice of persons who participate in your accompanying. Our company seeks to promote Kiev as a popular tourist destination, offering comprehensive and interesting solutions to meet the needs of our customers, striving to exceed their expectations in terms of quality, responsibility, equity and sustainable development.|
https://culturalkiev.com/seven_wonders_of_kiev
Seven wonders of Kiev
Kiev is the heart of Ukraine. There are a lot of ancient houses, priceless monuments of culture, famous churches, beautiful parks and squares, wonderful places worth visiting. Quite recently Ukrainians and guests of the city chose seven most amazing places in Kyiv and named them miracles. We offer to immerse in an old atmosphere of Kiev, see the main attractions and beauties in our best tour "Seven Wonders of Kiev"
Meet in Hotel
Our guide will come to your hotel (lobby area) or any other indicated address. You will see: St. Vladimir Cathedral, the Golden Gate, St. Sophia Cathedral, St. Andrew's Church, Vydubitsky Saint Michael Monastery, Kiev-Pechersk Lavra Monastery and House with Chimaeras.
We suggest start our trip with the most visited tourist attraction of the capital. St. Vladimir Cathedral is the main temple of the Ukrainian Orthodox Church, one of the most beautiful monuments of neo-Byzantine architecture, not only in the capital, but through out Ukraine
Andreevsky Descent is the oldest street in Kiev. The street was named in honor of St. Andrew's Church, which was established at the beginning of the descent in the middle ofthe VIII century. There is a legend, earlier on the place of the Dnieper was the sea, when the apostle Andrew came and installed a cross on a hill, the sea obeyed, and the water left
St. Sophia Cathedral is the pearl of the capital. "Sofia" was created by Prince Vladimir in 1011, more 1000 years ago! St. Sophia Cathedral is a fount of frescoes and mosaics of the 11th century.
The Golden Gate is an architectural monument of the defensive architecture of Kiev Rus, since the reign of Yaroslav the Wise. The Golden Gate performed not only a defensive function, but also was the central entrance to Kiev. This status was preserved for it until the 18th century
One of the masterpieces of the Ukrainian Baroque is the cathedral, the refectory and the complex of buildings of the Vydubitsky SaintMichael Monastery. Nowadays there are five churches in the area of the monastery. This is a surprisingly picturesque place where believers will be able to find unique places for inspiration and perfect location to pray
The Kiev Pechersk Lavra is the most famous monastery in Eastern Europe and the greatest shrine of Christianity. This shrine stands in the third place for the Orthodox world after Jerusalem and the holy Mount Athos
If you are hungry during the tour we know the unique, pleasant and comfortable places in Kiev where you can satisfy your taste and get aesthetic pleasure.
If you are interested in a separate object from the proposed tour, we will be happy to make an excursion according to your wish. Contact us for further details.|
https://culturalkiev.com/guide_by_the_hour
Guide for an hour
You came to Kiev on business or on a visit and don't know how to spend free time, we recommend our service 'guide for an hour'. Our guide is your personal assistant, with excellent knowledge of the city. He ready to accompany you in all the movements and help in matters. You will not only get acquainted with the city in a short time, but also make the best use of your time.
Meet Hotel
Our guide will come to your hotel (lobby area) or any other indicated address.
Our guide will tell you in detail about what can be seen in Kiev, what excursions we can offer focusing on Your interests, how to get to the best places in Kiev, making up your individual itinerary
We will take you back to your hotel or any other place you would prefer at the end of the tour.|
https://culturalkiev.com/mystical_kiev
Mystical Kiev
Talk about mysticism in this city - easy, the city has long been famous for legends about evil spirit. Even now, in present days, many believe that witches are still flocking to the Bald Mountain on the Sabbath The main office Glavpochtamt located at the place, where you can see the ghost, and on the most mystical street Andreevsky Descent, you can find the entrance to the another world. We would like to share with you the city's secrets with stories and facts opening the door to mystical Kiev during our journey through the city . Choosing this tour we suggest you wear comfortable clothes and bring an open and curious mind . Our guide will give you flashlight , tea in a thermos, cookies and all other necessary things ;)|
https://culturalkiev.com/bothanical_garden
Botanical garden with Photographer
Kiev Botanical Garden is one of the most visited sights of the city. And it's not surprising, because this is a real island of beauty and coziness in a busy city. It is easy to hide from the hustle and bustle under the can opy of trees, listen to the singing of birds, enjoy the surrounding view. Each season has its own melody. The spring symphony begins with the flowering of the first spring snow drops and continues with the riot of lilac and beautiful magnolias. Summer nakturn will play with the fragrance of roses, jasmine and linden. Autumn blues from the first notes will surprise with the brightness of colors, variety of shapes and flowering of charming dahlias and chrysanthemums. Winter sketcheswill give a fairy tale with fir trees and squirrels. The Botanical Garden works at any time of year, in the green houses the flowering of plants continues. The orangery "Garden of Eden" is constantly working - an artificially created tropical garden with strange trees, waterfalls, rare reptiles and amphibians of the Old and New Worlds. Being in this place, it seems that you are somewhere far away, on a small island surrounded by birds of paradise and fluttering tropical butterflies. Come, and look at this miracle with your own eyes! Go on an excursion we offer, accompanied by a photographer, to leave your walk in memory forever.|
https://culturalkiev.com/mezhyhirya_tour_of_corruption
Mezhyhirya- Tour of corruption
Mezhyhirya - is a former residence of Viktor Yanukovich in the village Novye Petrovtsy, Kiev region. The history of this place is extremely interesting. By sources, history begins In the X century, when the Greek monks led by the first Kyiv Metropolitan, were founded a monastery on this pictures queslopes. A lot has happened to this famous landmark over the time of its history and you will see what remains . The place has not lost its charming natural beauty. During the time of Yanukovych's presidency, this place was called a symbol of corruption of a presidential scale and a museum of corruption. Now this place has been returned to the people and primarily is an amazing place of beauty ! A large-scale natural complex, clean air, interesting infrastructure and entertainment for every taste, fountains and ponds, animals and birds, this place is definitely worth seeing and will leave warm memories in your heart even with its previous history.|
https://culturalkiev.com/city_lights
Lights of the Night city
Impressions about Kiev are completely different at day and evening. Especially in the summer evenings the city looks romantic and thoughtful, everything around it takes on different colors. Night air, soft lighting, the smell of flowering trees, light music comes from somewhere ... That's how Kiev associates in the evening. All this provides for long walks around the city. You will be charmed by embankments, illuminated bridges and streets of evening Kiev. We invite you to have an interesting and fun time in the evening Kiev.|
https://culturalkiev.com/exclusive_tours
Exclusive tour For detailed information - please, contact us
FLIGHT ON AIR BALLOON
Who in childhood did not dream of going up in the air on a magic balloon? You can fulfill this dream, right now! Give yourself and your family a little fairy tale, special impressions that you will never forget! Write to us and we will be happy to organize for you this unforgettable adventure!
TOUR TO CHERNOBYL AND PRIPYAT Extreme tourism in Chernobyl — trip you will never forget! |
https://culturalkiev.com/chernobyl
Chernobyl Tour
In the early 80's, small townships Chernobyl and Pripyat were prophesied the cities of the future. Special sources of financing, innovative infrastructure, ideal conditions for life - all this was a reality until the morning of April 26, 1986. Today, cities where a "peaceful atom" carried heat to homes and confidence in the future are empty. And they are one of the most unusual extreme destinations in the world.|
https://culturalkiev.com/city_lights - tourism kiev
Kiev architecture
interpreter kiev
Posted: Tue Feb 19, 2019 11:17 pm Post Subject: Are there any decent men here?
You know your forum is not about that, but I'm watching you for a long time and decided to register.
Well, to write...
I will write at Once-I want to meet a decent man!
My name is Alena, not married, I'm 27 years old and I'm from Moscow.
This is me)))
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Posted: Thu Feb 21, 2019 01:15 pm Post Subject:
Posted: Tue Feb 26, 2019 12:17 am Post Subject: Are there any decent men here?
You know your forum is not about that, but I'm watching you for a long time and decided to register.
Well, to write...
I will write at Once-I want to meet a decent man!
My name is Alena, not married, I'm 27 years old and I'm from Moscow.
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Ðаш Ñайт ÑвлÑетÑÑ Ñовременным ÑервиÑом, позволÑющим выбрать и купить билеты в режиме онлайн. У Ð½Ð°Ñ Ð¿Ñ€ÐµÐ´Ñтавлены вÑе культурные мероприÑтиÑ: Ñпектакли,
концерты, шоу, мюзиклы и феÑтивали. Ð’Ñ‹ найдете информацию и о проектах федерального значениÑ, и о камерных предÑтавлениÑÑ….
ВоÑпользоватьÑÑ Ð¿Ñ€ÐµÐ´Ð»Ð¾Ð¶ÐµÐ½Ð¸ÐµÐ¼ могут как жители Ñтолицы, так и граждане, проживающие в других наÑеленных пунктах РоÑÑии, и иноÑтранцы. По МоÑкве и
ПодмоÑковью заказанные билеты доÑтавлÑÑŽÑ‚ÑÑ Ð½Ð°ÑˆÐµÐ¹ курьерÑкой Ñлужбой. Иногородние клиенты могут получить билеты в каÑÑах, в день
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Ðа нашем Ñайте предÑтавлена Ð¿Ð¾Ð´Ñ€Ð¾Ð±Ð½Ð°Ñ Ð°Ñ„Ð¸ÑˆÐ° мероприÑтий в МоÑкве. Ð”Ð»Ñ ÐºÐ°Ð¶Ð´Ð¾Ð³Ð¾ концерта, ÑпектаклÑ, мюзикла или шоу даетÑÑ Ð¿Ð¾Ð´Ñ€Ð¾Ð±Ð½Ð¾Ðµ опиÑание и
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