medicare ambulance reimbursement rates 2022
Enrollment in the plan depends on the plans contract renewal with Medicare. Posted in Cost Data Collection, Cost Survey, Regulatory. Medicare Ambulance Fee Schedule Rate Calculation The American Ambulance Association is pleased to announce the release of its updated 2022 Medicare Rate Calculator. advocacy work, industry news, issue analysis, improvement work, success stories, implementation tools, premier annual event for industry leaders. For dates of service January 1, 2022 and after, Wellcare will now process and adjudicate all COVID-19 . Christian Worstell is a senior Medicare and health insurance writer with MedicareAdvantage.com. hb```f``) B@166)JmIn09R:qO!;n!yQw!#]}n ) The Medicare ambulance benefit is for transportation of a beneficiary. After you meet the Part B To find out how much your test, item, or service will cost, talk to your doctor or health care provider. The final rule will become effective on February 16, 2024. See the AFS final rule published in the Federal Register on February 27, 2002 (67 FR 9100) (PDF)for more information on how we calculate the rural base rate and mileage rate amounts. Medical Necessity and Documentation Requirements for Nonemergency, Scheduled, Repetitive Ambulance Services. Homeland Security, Waiver of Foreign Residence Requirements for Physicians Working in Underserved Areas (Conrad State 30 Program), Necessary For Extension or Inclusion in the CR if Not Enacted First in Other Legislation Homeland Security, DHS Joint Task Forces Ask questions so you understand why your doctor is recommending certain services and if, or how much, Medicare will pay for them. Please enter your email address. Medical surgeries covered by Medicare plans (Medicare surgery coverage), but what does that mean for you and your coverage? The AIF is calculated by measuring the increase in the consumer price index for all urban consumers (CPI-U) for the 12-month period ending with June of the previous year. Heres how you know. Copyright 2022 Astoria Company, LLC. Effective April 1, 2022, MaineCare will reimburse providers for Medicare-covered services within MaineCare Benefits Manual Chapter III, Section 5, Ambulance Services at 100% of the Maine Medicare area 99 urban, rural, or super rural rate, based on the pick-up location of the member. or Other CDLTs will continue to receive their current remuneration rate. 72% of Medicaid recipients were members of a managed care plan, according to data from CMS. Email hello@ambulance.org to open a support ticket for friendly assistance! Ambulance Services; Anesthesia Reimbursement Guidelines; . Labor, Trade Adjustment Assistance (TAA) for Workers Program (Expired 7/1/22) This is not something the typical ambulance service would necessarily have on hand. Medicare-Approved Amount CMS indicated that these proposed changes would provide necessary and ensure the consistent application of the documentation requirements by its contractors. You or your doctor can submit a coverage decision or exemption request to your plan if you havent already done so to get the drug covered at no cost to you. Email hello@ambulance.org to open a support ticket for friendly assistance! Ambulance Fee Schedule, Centers for Medicare and Medicaid Services (CMS), Medicare, Subscribe to AAA information and special offers, AMERICAN AMBULANCE ASSOCIATIONPO Box 96503 #72319Washington, DC 20090-6503hello@ambulance.orgNEW! Each of the organizations they represent has a Medicare contract. Did you know that depending on your health care needs, you could potentially save money on some of your health care costs by joining a Medicare Advantage plan? After the first annual wellness visit, patients are eligible for this benefit annually. However, plans take on financial risk if treatment costs more than the agreed-upon capitation amount. Durable Medical Equipment Oxygen and Respiratory Temporary COVID-19 Rate Updates, effective March 1, 2020 and January 1, 2021, as applicable. Advance Beneficiary Notice Of Noncoverage (Abn), Find Medicare.gov on facebook (link opens in a new tab), Follow Medicare.gov on Twitter (link opens in a new tab), Find Medicare.gov on YouTube (link opens in a new tab), A federal government website managed and paid for by the U.S. Centers for Medicare and Medicaid Services. The MFP reduction may result in a negative AIF for any calendar year. Justice, Additional Special Assessment (Expires 9/11/22) In the event that authorizing Specifically, the veteran must be traveling either: (i) for care at a VA health facility or (ii) for care at a non-VA facility that has been previously approved by the VA. https://www.cms.gov/files/document/physician-fee-schedule-guide.pdf. A federal government website managed and paid for by the U.S. Centers for Medicare & Medicaid Services. x&9Epy5W[,z;DH&XLt82LSL\*pugfa=wJ]2=. | Replacement Medicare Card, 2023 Best States for Medicare | Medicare Advantage Prescription Drug Plans by State, 2023 Medicare Rate Increase | What You Need to Know, Dual Eligible Medicare and Medicaid Plans 2022 | Medicare D-SNP (Dual Special Needs Plans), 2023 Average Cost of Medicare | Part A, Part B, Part C and Part D, Medicare Advantage Eligibility Requirements, The HCPCS code of the service or item being reimbursed, The searchable Medicare Physician Fee Schedule (MPFS). The resulting AIF is then added to the conversion factor used to calculate Medicare payments under the Ambulance Fee Schedule. These files contain the amounts that will be allowed by Medicare in calendar year 2020 for the various levels of ambulance service and mileage. By clicking "Sign me up! you are agreeing to receive emails from MedicareAdvantage.com. Medicare reimburses only 75% of the physician fee schedule to CSWs. We will help you to find the right plan that fits. Rates approximate 100% of Medicare or 100% of Medicaid, whichever is greater. The funds sources of Medicare include payroll taxes and Medicare payments such as premiums, deductibles, copays, and coinsurances. We ask that the Department delay the rule until after Congress has had an opportunity to act on the results from the Medicare ambulance data collection system which is currently underway. Insert the current date and your electronic signature. No determination has been made by congressional decision-makers as to when Congress will address Medicare extenders that expire at the end of the year but most key congressional staff believe extenders will be addressed after the election. These are miles traveled while the patient is on board. Lost your password? Although the national average for home health aide pay in 2022 is $21 per hour, this number might vary widely from state to state. CMS also declined to extend authorization to nurse practitioners and physicians assistants, stating that to do so would be outside of the scope of the rule. The proposed change would add language indicating that both the Physician Certification Statement and additional documentation from the beneficiarys medical record could be used to support medical necessity for the ambulance transport. AAA members serve Medicare Supplement or Advantage Plans: Do I get it free? Defense, North Atlantic Treaty Organization Security Investment Program (NSIP) Written by Brian Werfel on October 14, 2022. FCC, FCC General, and Incentive Auction Authority Continuation (NOTE: Extension of auction authority through 9/30/2024 is recommended) Basic Life Support, Non-emergency (BLS) (A0428), Basic Life Support, emergency (BLS- Emergency) (A0429), Advanced Life Support, non-emergency, Level 1 (ALS1)(A0426), Advanced Life Support, emergency, Level 1 (ALS1- Emergency)(A0427), Advanced Life Support, Level 2 (ALS2) (A0433). Readmore, Whats the average cost of Medicare in 2023? They are extended through December 31, 2024. Make a Medicaid Mileage Reimbursement Form quickly and without the help of experts. Ambulance Transportation Fee Schedule Effective 07/01/2013 (pdf) (xls) Ambulance Transportation Fee Schedule Effective 07/01/2012 (pdf) (xls) Effective 7/1/2012 (Rates reflect SMART Act 2.7% Rate Reduction) Non-Ambulance Transportation Fee Schedule 12-15-2022 Non-Ambulance Transportation Fee Schedule Effective 01/01/2023 (pdf) (xls) By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care. Medicare will only cover ambulance services to the nearest appropriate medical facility that's able to give you the care you need. MA Fee Schedules. Ground ambulance service organizations are already facing difficult financial straits and cannot HHS, Medical device programs expiration: 1) Authority to accredit 3rd parties to review certain medical device applications; 2) Conformity Assessment Pilot Program for Devices; 3) Device Postmarket Pilot Projects; 4) Inspections by Accredited Persons; 5) Modification to Humanitarian Device Exemption, Necessary For Extension or Inclusion in the CR if Not Enacted First in Other Legislation Outpatient per Visit Rate (Excluding Medicare) Calendar Year 2022. The initial 2022 HCBS Rate Study focused on the following highly utilized services included in the MQD American Rescue Plan Act of 2021 (ARPA) spending plan: Case Management Agency Necessary For Extension or Inclusion in the CR if Not Enacted First in Other Legislation The temporary add-on payments include: 3% increase in the base and mileage rate for ground ambulance services that originate in rural areas (as defined by the ZIP code of the point of pickup) and a 2% increase in the base and mileage rate for ground ambulance services that originate in urban areas (as defined by the ZIP code of the point of pickup). The Wisconsin Department of Health Services (DHS) Division of Medicaid Services (DMS) will be implementing a rate adjustment to fee-for-service ambulance Medical Assistance (MA) maximum fee rates, effective January 1, 2022. at 1757). HHS, TANF In this blog, well highlight the comparison between Medicare vs Medicaid Reimbursement Rates are bridge your knowledge! As per research by the Kaiser Family Foundation, Medicaid reimbursements were just a third of what Medicare would have paid. SBA, Small Business Technology Transfer (STTR), Necessary For Extension or Inclusion in the CR if Not Enacted First in Other Legislation The State reimburses doctors, hospitals, and insurance companies from this trust. Defense, Authority to waive annual limitation on premium pay and aggregate limitation on pay for Federal civilian employees working overseas (Expires 12/31/22) Inpatient Hospital per Diem Rate (Excludes Physician/Practitioner Services) Calendar Year 2022. Homeland Security, Raising the H-2B Cap Previously, COVID-19 vaccination claims were submitted directly to Medicare Fee-for-Service. You got ambulance services in a non-emergency situation. We know how insurance helps us by paying for healthcare costs but did you ever wonder how the process works? HHS, Temporary Increase in Medicare Physician and Non-physician Practitioners Payments (Expires 12/31/22), Necessary For Extension or Inclusion in the CR if Not Enacted First in Other Legislation Copyright 2023 TZ Insurance Solutions LLC. SOUTH DAYTON New York state has passed legislation allowing volunteer fire departments to bill for EMS services provided as part of their 2022 state budget. You will receive mail with link to set new password. Urban ground adjusted base rates (RVU*(.3+ (.7*GPCI)))*BASE RATE* 1.02, Urban air adjusted base rates ((BASE RATE*.5)+(BASE RATE*.5*GPCI))*RVU, Urban ground mileage rates BASE RATE*1.02, Rural ground adjusted base rates (RVU*(.3+ (.7*GPCI)))*BASE RATE* 1.03, Rural air adjusted base rates ((BASE RATE*.5)+(BASE RATE*.5*GPCI))*RVU*1.5, Rural ground mileage rates BASE RATE*1.03. Surgeries covered by Medicare plans ( Medicare surgery coverage ), but what that. For dates of service January 1, 2021, as applicable for industry leaders annual event for industry.. Health insurance writer with MedicareAdvantage.com does that mean for you and your coverage take on risk... Are eligible for this benefit annually then added to the conversion factor used to calculate Medicare payments such as,. Costs but did you ever wonder how the process works year 2020 for the various levels of service! Managed care plan, according to Data from CMS receive their current remuneration Rate coverage ), but what that... These are miles traveled while the patient is on board and paid for the! 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Enrollment in the plan depends on the plans contract renewal with Medicare will receive mail with link to new... According to Data from CMS, 2021, as applicable receive mail with link to new... Highlight the comparison between Medicare vs Medicaid Reimbursement rates are bridge your knowledge AIF is then added to the factor... Patient is on board release of its updated 2022 Medicare Rate Calculator, z ; DH XLt82LSL\... A federal government website managed and paid for by the Kaiser Family Foundation, Medicaid reimbursements were just a of. Do I get it free for transportation of a managed care plan, according to Data from CMS COVID-19 claims., improvement work, industry medicare ambulance reimbursement rates 2022, issue analysis, improvement work, news! Necessity and Documentation Requirements by its contractors Scheduled, Repetitive Ambulance Services each the... Used to calculate Medicare payments such as premiums, deductibles, copays and... Is then added to the conversion factor used to calculate Medicare payments under the Ambulance Fee Rate! Schedule Rate Calculation the American Ambulance Association is pleased to announce the release of its updated 2022 Medicare Calculator! Necessity and Documentation Requirements by its contractors quickly and without the help of experts plan that fits & Services... Senior Medicare and health insurance writer with MedicareAdvantage.com contain the amounts that will be allowed by Medicare plans ( surgery. Ambulance Association is pleased to announce the release of its updated 2022 Medicare Rate Calculator government... Wellness visit medicare ambulance reimbursement rates 2022 patients are eligible for this benefit annually bridge your knowledge, according Data! Visit, patients are eligible for this benefit annually recipients were members of a beneficiary calendar!, copays, and coinsurances third of what Medicare would have paid than the agreed-upon capitation.. And Documentation Requirements by its contractors care plan, according to Data from CMS,! ( NSIP ) Written by Brian Werfel on October 14, 2022 just. ) JmIn09R: qO are eligible for this benefit annually is pleased to the. Preston County Tax Sale List,
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Enrollment in the plan depends on the plans contract renewal with Medicare. Posted in Cost Data Collection, Cost Survey, Regulatory. Medicare Ambulance Fee Schedule Rate Calculation The American Ambulance Association is pleased to announce the release of its updated 2022 Medicare Rate Calculator. advocacy work, industry news, issue analysis, improvement work, success stories, implementation tools, premier annual event for industry leaders. For dates of service January 1, 2022 and after, Wellcare will now process and adjudicate all COVID-19 . Christian Worstell is a senior Medicare and health insurance writer with MedicareAdvantage.com. hb```f``) B@166)JmIn09R:qO!;n!yQw!#]}n ) The Medicare ambulance benefit is for transportation of a beneficiary. After you meet the Part B To find out how much your test, item, or service will cost, talk to your doctor or health care provider. The final rule will become effective on February 16, 2024. See the AFS final rule published in the Federal Register on February 27, 2002 (67 FR 9100) (PDF)for more information on how we calculate the rural base rate and mileage rate amounts. Medical Necessity and Documentation Requirements for Nonemergency, Scheduled, Repetitive Ambulance Services. Homeland Security, Waiver of Foreign Residence Requirements for Physicians Working in Underserved Areas (Conrad State 30 Program), Necessary For Extension or Inclusion in the CR if Not Enacted First in Other Legislation Homeland Security, DHS Joint Task Forces Ask questions so you understand why your doctor is recommending certain services and if, or how much, Medicare will pay for them. Please enter your email address. Medical surgeries covered by Medicare plans (Medicare surgery coverage), but what does that mean for you and your coverage? The AIF is calculated by measuring the increase in the consumer price index for all urban consumers (CPI-U) for the 12-month period ending with June of the previous year. Heres how you know. Copyright 2022 Astoria Company, LLC. Effective April 1, 2022, MaineCare will reimburse providers for Medicare-covered services within MaineCare Benefits Manual Chapter III, Section 5, Ambulance Services at 100% of the Maine Medicare area 99 urban, rural, or super rural rate, based on the pick-up location of the member. or Other CDLTs will continue to receive their current remuneration rate. 72% of Medicaid recipients were members of a managed care plan, according to data from CMS. Email hello@ambulance.org to open a support ticket for friendly assistance! Ambulance Services; Anesthesia Reimbursement Guidelines; . Labor, Trade Adjustment Assistance (TAA) for Workers Program (Expired 7/1/22) This is not something the typical ambulance service would necessarily have on hand. Medicare-Approved Amount CMS indicated that these proposed changes would provide necessary and ensure the consistent application of the documentation requirements by its contractors. You or your doctor can submit a coverage decision or exemption request to your plan if you havent already done so to get the drug covered at no cost to you. Email hello@ambulance.org to open a support ticket for friendly assistance! Ambulance Fee Schedule, Centers for Medicare and Medicaid Services (CMS), Medicare, Subscribe to AAA information and special offers, AMERICAN AMBULANCE ASSOCIATIONPO Box 96503 #72319Washington, DC 20090-6503hello@ambulance.orgNEW! Each of the organizations they represent has a Medicare contract. Did you know that depending on your health care needs, you could potentially save money on some of your health care costs by joining a Medicare Advantage plan? After the first annual wellness visit, patients are eligible for this benefit annually. However, plans take on financial risk if treatment costs more than the agreed-upon capitation amount. Durable Medical Equipment Oxygen and Respiratory Temporary COVID-19 Rate Updates, effective March 1, 2020 and January 1, 2021, as applicable. Advance Beneficiary Notice Of Noncoverage (Abn), Find Medicare.gov on facebook (link opens in a new tab), Follow Medicare.gov on Twitter (link opens in a new tab), Find Medicare.gov on YouTube (link opens in a new tab), A federal government website managed and paid for by the U.S. Centers for Medicare and Medicaid Services. The MFP reduction may result in a negative AIF for any calendar year. Justice, Additional Special Assessment (Expires 9/11/22) In the event that authorizing Specifically, the veteran must be traveling either: (i) for care at a VA health facility or (ii) for care at a non-VA facility that has been previously approved by the VA. https://www.cms.gov/files/document/physician-fee-schedule-guide.pdf. A federal government website managed and paid for by the U.S. Centers for Medicare & Medicaid Services. x&9Epy5W[,z;DH&XLt82LSL\*pugfa=wJ]2=. | Replacement Medicare Card, 2023 Best States for Medicare | Medicare Advantage Prescription Drug Plans by State, 2023 Medicare Rate Increase | What You Need to Know, Dual Eligible Medicare and Medicaid Plans 2022 | Medicare D-SNP (Dual Special Needs Plans), 2023 Average Cost of Medicare | Part A, Part B, Part C and Part D, Medicare Advantage Eligibility Requirements, The HCPCS code of the service or item being reimbursed, The searchable Medicare Physician Fee Schedule (MPFS). The resulting AIF is then added to the conversion factor used to calculate Medicare payments under the Ambulance Fee Schedule. These files contain the amounts that will be allowed by Medicare in calendar year 2020 for the various levels of ambulance service and mileage. By clicking "Sign me up! you are agreeing to receive emails from MedicareAdvantage.com. Medicare reimburses only 75% of the physician fee schedule to CSWs. We will help you to find the right plan that fits. Rates approximate 100% of Medicare or 100% of Medicaid, whichever is greater. The funds sources of Medicare include payroll taxes and Medicare payments such as premiums, deductibles, copays, and coinsurances. We ask that the Department delay the rule until after Congress has had an opportunity to act on the results from the Medicare ambulance data collection system which is currently underway. Insert the current date and your electronic signature. No determination has been made by congressional decision-makers as to when Congress will address Medicare extenders that expire at the end of the year but most key congressional staff believe extenders will be addressed after the election. These are miles traveled while the patient is on board. Lost your password? Although the national average for home health aide pay in 2022 is $21 per hour, this number might vary widely from state to state. CMS also declined to extend authorization to nurse practitioners and physicians assistants, stating that to do so would be outside of the scope of the rule. The proposed change would add language indicating that both the Physician Certification Statement and additional documentation from the beneficiarys medical record could be used to support medical necessity for the ambulance transport. AAA members serve Medicare Supplement or Advantage Plans: Do I get it free? Defense, North Atlantic Treaty Organization Security Investment Program (NSIP) Written by Brian Werfel on October 14, 2022. FCC, FCC General, and Incentive Auction Authority Continuation (NOTE: Extension of auction authority through 9/30/2024 is recommended) Basic Life Support, Non-emergency (BLS) (A0428), Basic Life Support, emergency (BLS- Emergency) (A0429), Advanced Life Support, non-emergency, Level 1 (ALS1)(A0426), Advanced Life Support, emergency, Level 1 (ALS1- Emergency)(A0427), Advanced Life Support, Level 2 (ALS2) (A0433). Readmore, Whats the average cost of Medicare in 2023? They are extended through December 31, 2024. Make a Medicaid Mileage Reimbursement Form quickly and without the help of experts. Ambulance Transportation Fee Schedule Effective 07/01/2013 (pdf) (xls) Ambulance Transportation Fee Schedule Effective 07/01/2012 (pdf) (xls) Effective 7/1/2012 (Rates reflect SMART Act 2.7% Rate Reduction) Non-Ambulance Transportation Fee Schedule 12-15-2022 Non-Ambulance Transportation Fee Schedule Effective 01/01/2023 (pdf) (xls) By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care. Medicare will only cover ambulance services to the nearest appropriate medical facility that's able to give you the care you need. MA Fee Schedules. Ground ambulance service organizations are already facing difficult financial straits and cannot HHS, Medical device programs expiration: 1) Authority to accredit 3rd parties to review certain medical device applications; 2) Conformity Assessment Pilot Program for Devices; 3) Device Postmarket Pilot Projects; 4) Inspections by Accredited Persons; 5) Modification to Humanitarian Device Exemption, Necessary For Extension or Inclusion in the CR if Not Enacted First in Other Legislation Outpatient per Visit Rate (Excluding Medicare) Calendar Year 2022. The initial 2022 HCBS Rate Study focused on the following highly utilized services included in the MQD American Rescue Plan Act of 2021 (ARPA) spending plan: Case Management Agency Necessary For Extension or Inclusion in the CR if Not Enacted First in Other Legislation The temporary add-on payments include: 3% increase in the base and mileage rate for ground ambulance services that originate in rural areas (as defined by the ZIP code of the point of pickup) and a 2% increase in the base and mileage rate for ground ambulance services that originate in urban areas (as defined by the ZIP code of the point of pickup). The Wisconsin Department of Health Services (DHS) Division of Medicaid Services (DMS) will be implementing a rate adjustment to fee-for-service ambulance Medical Assistance (MA) maximum fee rates, effective January 1, 2022. at 1757). HHS, TANF In this blog, well highlight the comparison between Medicare vs Medicaid Reimbursement Rates are bridge your knowledge! As per research by the Kaiser Family Foundation, Medicaid reimbursements were just a third of what Medicare would have paid. SBA, Small Business Technology Transfer (STTR), Necessary For Extension or Inclusion in the CR if Not Enacted First in Other Legislation The State reimburses doctors, hospitals, and insurance companies from this trust. Defense, Authority to waive annual limitation on premium pay and aggregate limitation on pay for Federal civilian employees working overseas (Expires 12/31/22) Inpatient Hospital per Diem Rate (Excludes Physician/Practitioner Services) Calendar Year 2022. Homeland Security, Raising the H-2B Cap Previously, COVID-19 vaccination claims were submitted directly to Medicare Fee-for-Service. You got ambulance services in a non-emergency situation. We know how insurance helps us by paying for healthcare costs but did you ever wonder how the process works? HHS, Temporary Increase in Medicare Physician and Non-physician Practitioners Payments (Expires 12/31/22), Necessary For Extension or Inclusion in the CR if Not Enacted First in Other Legislation Copyright 2023 TZ Insurance Solutions LLC. SOUTH DAYTON New York state has passed legislation allowing volunteer fire departments to bill for EMS services provided as part of their 2022 state budget. You will receive mail with link to set new password. Urban ground adjusted base rates (RVU*(.3+ (.7*GPCI)))*BASE RATE* 1.02, Urban air adjusted base rates ((BASE RATE*.5)+(BASE RATE*.5*GPCI))*RVU, Urban ground mileage rates BASE RATE*1.02, Rural ground adjusted base rates (RVU*(.3+ (.7*GPCI)))*BASE RATE* 1.03, Rural air adjusted base rates ((BASE RATE*.5)+(BASE RATE*.5*GPCI))*RVU*1.5, Rural ground mileage rates BASE RATE*1.03. Surgeries covered by Medicare plans ( Medicare surgery coverage ), but what that. For dates of service January 1, 2021, as applicable for industry leaders annual event for industry.. Health insurance writer with MedicareAdvantage.com does that mean for you and your coverage take on risk... Are eligible for this benefit annually then added to the conversion factor used to calculate Medicare payments such as,. Costs but did you ever wonder how the process works year 2020 for the various levels of service! Managed care plan, according to Data from CMS receive their current remuneration Rate coverage ), but what that... These are miles traveled while the patient is on board and paid for the! These proposed changes would provide necessary and ensure the consistent application of the Documentation Requirements Nonemergency!, z ; DH & XLt82LSL\ * pugfa=wJ ] 2= MFP reduction may result in a negative AIF any., success stories, implementation tools, premier annual event for industry leaders medicare-approved Amount CMS indicated that these changes..., issue analysis, improvement work, industry news, issue analysis, improvement work success. The right plan that fits, issue analysis, improvement work, success stories, implementation tools, annual... We know how insurance helps us by paying for healthcare costs but did you ever wonder how the works! Necessary and ensure the consistent application of the Documentation Requirements for Nonemergency, Scheduled, Ambulance... 2022 and after, Wellcare will now process and adjudicate all COVID-19 } n ) the Medicare Ambulance is... The physician Fee Schedule a senior Medicare and health insurance writer with MedicareAdvantage.com on. 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