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Medicare, the U.S. Government s health insurance program, provides medical coverage for citizens aged 65 years or older and certain disabled persons younger than 65 years. With over one billion claims processed annually, Medicare has become the country s largest managed provider of medical care. With more than a billion transactions, tens of millions of members, and an increasingly-complex system, Medicare fraud and abuse of the system is inevitable.

The overwhelming majority of health providers, suppliers, and institutions who provide Medicare services do so honestly and by the regulations. However, unscrupulous individuals have determined how to commit Medicare fraud to the tune of millions of dollars every year. Those Medicare fraud thefts have the effect of raising Medicare premiums for the honest members.

Most Medicare mistakes are honest ones rather than Medicare fraud. They are probably transcription errors, typographical errors, and many other types of problems that can occur wh (more...)

Aren t all travel insurance plans basically the same?

No. When you read travel insurance policy language, remember that as with any legal document, the definition of the terms is what governs the working of the policy (including payment of the claim).
I create hypothetical travel scenarios for training purposes. This includes contacting our travel insurance suppliers claims departments to see how they handle a given scenario.

A common concern of travelers are Pre-Existing Medical Conditions. In some cases, you can cancel, interrupt your trip or receive medical treatment if you (or a non-traveling family member) has a pre-existing condition. It has to do with the policy s wording.

All travel insurance excludes claims due to pre-existing medical conditions. Some travel insurance plans will waive the pre-existing condition exclusion if you get your travel insurance in the first 10, 14 or 21 days after your first trip payment date (ie - before the end of these 10, 14 or 21 days).(more...)