As of July 18, 2021, Medicare is no longer enforcing the 4-fingerstick requirement for those with type 1 (T1D) and type 2 diabetes (T2D) who use insulin and want to use a CGM.Medicare Ordering and Continuing Coverage. Once you and your patient have determined the patient meets Medicare’s requirements to cover personal CGM, follow these guidelines for ordering and ...Host a sales event within 12 hours of an educational event in the same building or any adjacent buildings. Use the necessary TPMO disclaimer on printed marketing materials. Freely give out your business card to any attendee. Arrange follow-up appointments & collect Scope of Appointment forms for future appointments.Jan 1, 2017 · This face-to-face requirement also includes examinations conducted via the CMS-approved use of telehealth examinations, which must meet the requirements of 42 CFR §§ 410.78 and 414.65 for purposes of DMEPOS coverage. A WOPD must be completed within six (6) months after the required face-to-face encounter. Evaluation and Management (E/M Codes) Sleep physicians also use Evaluation and Management codes to bill for office visits. Assigning codes for office visits can be complex, however, Medicare has an Evaluation and Management Services guide you can refer to for more information.. Evaluation and management codes are restricted to physicians and other qualified advanced …Article Text. The information in this article contains billing, coding or other guidelines that complement the Local Coverage Determination (LCD) for Advance Care Planning L38970. Voluntary Advance Care Planning (ACP) is a face-to-face service between a Medicare physician (or other qualified health care professional) and a patient and/or …Refer to Billing and Coding: Bariatric Surgical Management of Morbid Obesity, A56422, for applicable CPT codes and diagnosis codes. The redetermination process may be utilized for consideration of services performed outside of the reasonable and necessary requirements in this LCD. Summary of Evidence. N/A.Qualifying events are events that cause an individual to lose his or her group health coverage. The type of qualifying event determines who the qualified beneficiaries are for that event and the period of time that a plan must offer continuation coverage. COBRA establishes only the minimum requirements for continuation coverage.From voting to parking, the ADA is a law that protects people with disabilities in many areas of public life. What's on ADA.gov From answers to common questions to official legal documents , ADA.gov has everything you need to understand your rights and responsibilities under the ADA.Article Text. NON-MEDICAL NECESSITY COVERAGE AND PAYMENT RULES. For any item to be covered by Medicare, it must 1) be eligible for a defined Medicare benefit category, 2) be reasonable and necessary for the diagnosis or treatment of illness or injury or to improve the functioning of a malformed body member, and 3) meet all other applicable …Title III of the Americans with Disabilities Act (ADA) prohibits discrimination against individuals with disabilities by places of public accommodation. 42 U.S.C. §§ 12181 – 12189. Private health care providers are considered places of public accommodation. The U.S. Department of Justice issued regulations under Title III of the ADA at 28 C ...The most significant benefit of all real-time CGM systems is having audible alarms that can warn you if your blood sugar (blood glucose) is getting too high. This allows time for adjustments that could lessen the impact of high or low blood sugar or avoid it altogether. Transmits data continuously. With real-time CGM devices, data is constantly ...Dec 12, 2022 · The Standards of Care is developed by the ADA’s multidisciplinary Professional Practice Committee, which comprises expert diabetes health care professionals (HCPs). It includes the most current evidence-based recommendations for diagnosing and treating adults and children with all forms of diabetes. Article Text. The information in this article contains billing, coding or other guidelines that complement the Local Coverage Determination (LCD) for Advance Care Planning L38970. Voluntary Advance Care Planning (ACP) is a face-to-face service between a Medicare physician (or other qualified health care professional) and a patient and/or …Article Guidance. Article Text. This Billing and Coding Article provides billing and coding guidance for Local Coverage Determination (LCD) L35162, Ambulance Services (Ground Ambulance). Please refer to the LCD for reasonable and …Since the ADA first began publishing clinical practice guidelines, there has been considerable evolution in the evaluation of scientific evidence and in the development of evidence-based guidelines. In 2002, the ADA developed a classification system to grade the quality of scientific evidence supporting ADA recommendations.The American Diabetes Association ® (ADA) released a new study looking at pharmacy and medical benefit claims for CGMs across commercial insurance plans, Medicare and Medicaid and data on age, race, geography, and diabetes prevalence. The findings show people of lower income and older people of color who live in states with the highest rates ...These rules went into effect on March 15, 2011. Covered entities must allow people with disabilities who use manual or power wheelchairs or scooters, and manually-powered mobility aids such as walkers, crutches, and canes, into all areas where members of the public are allowed to go. Covered entities must also allow people with disabilities who ...Coverage Indications, Limitations, and/or Medical Necessity. For any item to be covered by Medicare, it must 1) be eligible for a defined Medicare benefit category, 2) be reasonable and necessary for the diagnosis or treatment of illness or injury or to improve the functioning of a malformed body member, and 3) meet all other applicable Medicare statutory …Qualifying events are events that cause an individual to lose his or her group health coverage. The type of qualifying event determines who the qualified beneficiaries are for that event and the period of time that a plan must offer continuation coverage. COBRA establishes only the minimum requirements for continuation coverage.Rules & Regulations Centers for Medicare & Medicaid Services (CMS) Center for Consumer Information & Insurance Oversight (CCIIO) September 1, 2022. Disclaimer ... event and special enrollment period for which the agent, broker, or web -broker will be submittingADA Checklist. The Americans with Disabilities Act (ADA) requires state and local governments, businesses, and non-profit organizations to provide goods, services, and programs to people with disabilities on an equal basis with the rest of the public. Some people think that only new construction and alterations need to be accessible and that ... Part 483 (Requirements for States and Long Term Care Facilities, Subpart B), in order to participate in the Medicare and/or Medicaid programs. — The completion and submission of OBRA and/or PPS assessments are a requirement for Medicare and/or Medicaid long-term care facilities. However, even though OBRAHow to Streamline ADA Compliance. If your event or venue is in the U.S., then it must comply with the regulations set by the ADA. Public accommodations — theaters, arenas, hotels, and convention …Comfortable space for service animals to rest during event; accessible toileting and watering facilities nearby. 3. At Event. Ensure that presenters are aware of HR’s commitment to disability – inclusive meetings, and ask them to prepare and deliver their presentations with accessibility in mind.Medicare's annual open enrollment period began Oct. 15, allowing seniors to choose new plans. New rules this year are supposed to crack down on misleading marketing but buyers should still beware.Medicare has stated that practitioners can continue to report the place of service code that would have been reported had the service been furnished in-person. Medicare has NOT identified place of service modifier 10 for use when the patient is in their home at this time. Here is a link to Medicare’s place of service codes.WellCare Medicare formulary is a comprehensive document that lists all of the medically necessary drugs WellCare covers and Medicare and Medicaid require, according to WellCare. The formulary can change throughout each plan year.Last updated: February 28, 2020. The Department of Justice has revised its regulations implementing the Americans with Disabilities Act (ADA). This rule takes effect on March 15, 2011, clarifies issues that have arisen over the past 20 years, and contains new requirements, including the 2010 Standards for Accessible Design (2010 Standards).Help with File Formats and Plug-Ins. Provider requirements and resources The Consolidated Appropriations Act of 2021 established several new requirements for providers, facilities, and providers of air ambulance services to protect consumers from surprise medical bills. These requirements are collectively referred to as “No Surprises” rules.⍟ Medicare Sales Event . There are 2 different types of Medicare Sales Events: Formal and Informal.Let’s start by defining the 2 types. Formal Sales Event: In this type of sales event an agent can present a carrier specific presentation to invited attendees. Informal Sales Event: In this type of sales event an agent would offer plan specific information only by request while at …A General Definition of Private Clubs. Private membership clubs are organizations that generally have some meaningful conditions for membership, with operations often controlled by the membership, and whose facilities and activities are only open to members and their guests. Private clubs are often formed for social or recreational purposes, to ...Americans with Disabilities Act (ADA) The Governor's Committee promotes compliance with and facilitates implementation of the ADA, Texas Accessibility Standards and other state and federal disability rights laws. Public entities with fifty or more employees must designate a person to handle ADA concerns, often called the ADA Coordinator.NCC’s team of experienced Medicare professionals can help you weigh your options, find the best location for your next event, and make the most of your AEP. Call 800-695-0280 to speak to a Sales Support Specialist today! Find out some of the most popular options for Medicare event locations, pros and cons, and what you can expect to pay to ...Compliance with the American Disabilities Act (ADA) is required by law, but there’s even more you can do to make your events accessible to everybody. And it …From voting to parking, the ADA is a law that protects people with disabilities in many areas of public life. What's on ADA.gov From answers to common questions to official legal documents , ADA.gov has everything you need to understand your rights and responsibilities under the ADA.ADA COMPLIANCE. The Americans with Disabilities Act (ADA) requires the City of Seattle and public accommodations to provide equitable access for people with ...Article Text. NON-MEDICAL NECESSITY COVERAGE AND PAYMENT RULES For any item to be covered by Medicare, it must 1) be eligible for a defined Medicare benefit category, 2) be reasonable and necessary for the diagnosis or treatment of illness or injury or to improve the functioning of a malformed body member, and 3) meet all other applicable …The American Diabetes Association’s (ADA’s) Standards of Medical Care in Diabetes (the Standards) is updated and published annually in a supplement to the January issue of Diabetes Care. The Standards are developed by the ADA’s multidisciplinary Professional Practice Committee, which comprises expert diabetes health care professionals.Nov 22, 2022 · The ADA’s comments emphasized the unique challenges dental offices face when implementing these requirements. In the Nov. 14 response, ADA President George R. Shepley, D.D.S., and Executive Director Raymond A. Cohlmia, D.D.S., also asked CMS to consider the following: The role of dental plans. In answering what approaches CMS should consider ... 1.1 Ensure treatment decisions are timely, rely on evidence-based guidelines, include social community support, and are made collaboratively with patients based on individual preferences, prognoses, and comorbidities, and informed financial considerations.B. 1.2 Align approaches to diabetes management with the Chronic Care Model. This model emphasizes …Medicare Marketing Guidelines . For Medicare Advantage Plans. 1, Medicare Advantage Prescription Drug Plans, Prescription Drug Plans, Employer/Union-Sponsored Group Health Plans, Medicare -Medicaid Plans, and Section 1876 Cost Plans. Table of Contents (Issued: 06/10/2016)Feb 28, 2020 · These rules went into effect on March 15, 2011. Covered entities must allow people with disabilities who use manual or power wheelchairs or scooters, and manually-powered mobility aids such as walkers, crutches, and canes, into all areas where members of the public are allowed to go. Covered entities must also allow people with disabilities who ... Qualifying Events “Qualifying events” are events that cause an individual to lose group health coverage. The type of qualifying event determines who the qualified beneficiaries are and the period of time that a plan must offer continuation coverage. COBRA establishes only the minimum requirements for continuation coverage.Dec 4, 2020 · The comprehensive assessment described above may provide a framework to determine targets and therapeutic approaches (8–10), including whether referral for diabetes self-management education is appropriate (when complicating factors arise or when transitions in care occur) or whether the current regimen is too complex for the patient's self-management ability or the caregivers providing care. WHAT TYPES OF EVENTS ARE APPLICABLE TO ADA MOBILITY GUIDELINES? Every type of indoor or outdoor public event or meeting is legally obligated to meet ADA . …Section 504 covers any of these that receive federal financial assistance, which can include Medicare and Medicaid reimbursements. The standards adopted under the ADA to ensure equal access to individuals with disabilities are generally the same as those required under Section 504. Services and FacilitiesSep 21, 2022 · Healthcare offices are required to provide accommodations. When looking for ADA guidelines on bringing an interpreter, the first place to turn is Title III, Subchapter III - Public Accommodations - Section 6. This section highlights how public places are required to provide aid when necessary to ensure there is effective communication unless it ... Based on Transmittal 10120 (CR 11788 - Quarterly Update to the Medicare Physician Fee Schedule Database (MPFSDB) - July 2020 Update), HCPCS code Q5121 has been added to report infliximab-axxq effective for dates of service on or after 07/01/2020.Coding guidelines 1 and 2 have been revised to include “biosimilars”.Work directly with local broker manager. Page 4. For Training Only – Not CMS Approved. For more training and compliance guidance, go ...September 15, 2010 The Department of Justice published revised regulations for Titles II and III of the Americans with Disabilities Act of 1990 ADA in the Federal Register on September 15, 2010. These regulations adopted revised, enforceable accessibility standards called the 2010 ADA Standards for Accessible Design 2010 Standards or Standards.The PT or OT must meet Medicare timed service billing requirements and not include independent PTA or OTA minutes. They must provide more than the 15-minutes midpoint (that is, 8 minutes or more—also known as the 8-minute rule). Any minutes the PTA or OTA provides in these situations doesn’t matter for Medicare billing purposes.WHAT TYPES OF EVENTS ARE APPLICABLE TO ADA MOBILITY GUIDELINES? Every type of indoor or outdoor public event or meeting is legally obligated to meet ADA . …Coverage Indications, Limitations, and/or Medical Necessity. For any item to be covered by Medicare, it must 1) be eligible for a defined Medicare benefit category, 2) be reasonable and necessary for the diagnosis or treatment of illness or injury or to improve the functioning of a malformed body member, and 3) meet all other applicable Medicare statutory …Event planners must comply with the Americans with Disabilities Act (ADA). Outdoor gatherings such as street festivals, fairs, music events, regattas, air shows, sports tournaments, parades, marathons, and political rallies must be accessible to people with disabilities. For example, organizers must provide ADA portable toilets or wheelchair ...Eligibility: The ADA regulations provide three categories of paratransit eligibility. All three categories include people who may be able to ride fixed route ...Palmetto GBA, LLC 17 Technology Circle Columbia, South Carolina 29203 TEL (803) 735-1034This paper examines the Americans with Disabilities Act (ADA) 1 in the context of health care. Encompassed in this analysis are issues related to health care access, coverage, and financing. The interaction of the ADA with employment laws governing the health care workforce is considered separately (see Appendix E).Article Text. Palmetto GBA has determined that Provider Specialty 19 (oral surgeons) is appropriate to file E&M claims (99202-99215), in a limited fashion, when evaluating patients for sleep apnea to determine their suitability for placement of an oral device. All requirements for the E&M code selected must be met to bill the appropriate level ...Medicare beneficiaries with certain risk factors for diabetes or diagnosed with pre-diabetes Medicare beneficiaries previously diagnosed with diabetes are not eligible for this benefit 82947, 82950, 82951 Yes Yes Diabetes Self-Management Training (DSMT) Certain Medicare beneficiaries when all of the following are true: • Diagnosed with diabetesA successful medical evaluation depends on beneficial interactions between the person with diabetes and the care team. The Chronic Care Model (1–3) (see Section 1, “Improving Care and Promoting Health in Populations”) is a person-centered approach to care that requires a close working relationship between the person with diabetes and clinicians involved in treatment planning.Below are select major policies adopted by the ADA House of Delegates. Public Health Emergencies (COVID-19) Dental Amalgam. Diet and Nutrition. Fluoride and Fluoridation. Medicaid and CHIP. Medicare. Student Loans and Postgraduate Educational Debt.The American Medical Association, founded in 1847, represents more than 190 state societies and medical specialty associations, including internal medicine, family physician, OBGYN, pediatric and emergency medicine. The AMA is the largest association of physicians – both MDs and DOs – and medical students in the USA. Our mission is to “promote the art and science of …ADA Checklist. The Americans with Disabilities Act (ADA) requires state and local governments, businesses, and non-profit organizations to provide goods, services, and programs to people with disabilities on an equal basis with the rest of the public. Some people think that only new construction and alterations need to be accessible and that ...agent John Rogers is planning a formal marketing/sales event and has decided to place an advertisement in the local paper what disclaimers was drawn including the advertisement. for accommodations of persons with special needs at sales meetings call 555-555-1234 TTY 711 and attend with no obligation to enroll.28 Tem 2023 ... ... law. Registration Opens: 11:00 am Luncheon: 11:30 am - 12:00 pm Session: 12:00 pm - 1:00 pm. Other. Richmond. Claim event · Map of Performance ...The ADA Standards for Accessible Design (“ADA Standards”) cover: Alterations—such as, renovations and other changes that affect usability—made to buildings and facilities; Making architectural changes in existing state and local government buildings to provide “program access”; and. Removing architectural barriers that are easily ...Jun 13, 2019 · This Billing and Coding Article provides billing and coding guidance for Local Coverage Determination (LCD) L34953, Cardiac Event Detection Monitoring. Please refer to the LCD for reasonable and necessary requirements. Cardiovascular monitoring services are diagnostic medical procedures using in-person and remote technology to assess ... This LCD supplements but does not replace, modify or supersede existing Medicare applicable National Coverage Determinations (NCDs) or payment policy rules and regulations for wound care. Federal statute and subsequent Medicare regulations regarding provision and payment for medical services are lengthy. They are not repeated …Late last year, the American Diabetes Association released new blood pressure guidelines. Also in 2023, new Medicare requirements for CGM went into …For the items addressed in this LCD, the “reasonable and necessary” criteria, based on Social Security Act § 1862 (a) (1) (A) provisions, are defined by the following coverage indications, limitations and/or medical necessity. A fixed height hospital bed (E0250, E0251, E0290, E0291, and E0328) is covered if one or more of the following ...a sales/marketing event at 10AM. The two events must be kept distinctly separate (i.e. don’t start the sales event prior to the scheduled 10AM meeting time or …Below are select major policies adopted by the ADA House of Delegates. Public Health Emergencies (COVID-19) Dental Amalgam. Diet and Nutrition. Fluoride and Fluoridation. Medicaid and CHIP. Medicare. Student Loans and Postgraduate Educational Debt.Events are often a great way to generate leads. What is allowed at seminars for the 2024 Annual Enrollment Period? The Centers for Medicare and Medicaid Services (CMS) have set forth rules on what you can and cannot do when holding Medicare education events. We’ll cover these guidelines below.As a Federal member of the Access Board, the Attorney General’s representative voted to approve the revised guidelines. ADA Chapter 1 and ADA Chapter 2 of the 2004 ADA/ABA Guidelines provided scoping requirements for facilities subject to the ADA; “scoping” is a term used in the 2004 ADA/ABA Guidelines to describe requirements that ...The Americans with Disabilities Act (ADA) prohibits discrimination against people with disabilities in several areas, including employment, transportation, public accommodations, communications and access to state and local government’ programs and services. As it relates to employment, Title I of the ADA protects the rights of both employees and job seekers.Section 504 covers any of these that receive federal financial assistance, which can include Medicare and Medicaid reimbursements. The standards adopted under the ADA to ensure equal access to individuals with disabilities are generally the same as those required under Section 504. Services and FacilitiesUnitedHealthcare not less than 7 calendar days prior to advertising. Roger is conducting an educational event and has asked a couple of providers to be present at his booth. The hearing aid representative has general information on hearing loss, business cards and logo coffee mugs (worth $8).Article Text. NON-MEDICAL NECESSITY COVERAGE AND PAYMENT RULES. For any item to be covered by Medicare, it must 1) be eligible for a defined Medicare benefit category, 2) be reasonable and necessary for the diagnosis or treatment of illness or injury or to improve the functioning of a malformed body member, and 3) meet all other applicable …ADA Guidelines & Requirements. Published: July 12, 2021. In 1990, the Americans with Disabilities Act (ADA) was ruled out as a civil rights law that prohibits any discrimination against disabled individuals in many areas of life, including employment, public accommodation, transportation, communications, and access to all state and local ...Dec 4, 2020 · The American Diabetes Association (ADA) “Standards of Medical Care in Diabetes” includes the ADA's current clinical practice recommendations and is intended to provide the components of diabetes care, general treatment goals and guidelines, and tools to evaluate quality of care. American Dental Association (ADA) CDT 2023 Dental Procedure Code Book. American Dental Association Glossary of Clinical and Administrative Terms. American Dental Association. Guidelines for the Use of Sedation and General Anesthesia by Dentists. 2016. American Society of Anesthesiologists (ASA).Coverage Indications, Limitations, and/or Medical Necessity. For any item to be covered by Medicare, it must 1) be eligible for a defined Medicare benefit category, 2) be reasonable and necessary for the diagnosis or treatment of illness or injury or to improve the functioning of a malformed body member, and 3) meet all other applicable Medicare statutory …NCC’s team of experienced Medicare professionals can help you weigh your options, find the best location for your next event, and make the most of your AEP. Call 800-695-0280 to speak to a Sales Support Specialist today! Find out some of the most popular options for Medicare event locations, pros and cons, and what you can expect to pay to ... Feb 28, 2020 · These rules went into effect on March 15, 2011. Covered entities must allow people with disabilities who use manual or power wheelchairs or scooters, and manually-powered mobility aids such as walkers, crutches, and canes, into all areas where members of the public are allowed to go. Covered entities must also allow people with disabilities who ... Federal statute and subsequent Medicare regulations regarding provision and payment for medical services are lengthy. ... (AHI)/Respiratory Disturbance Index (RDI)* greater than or equal to 15 events per hour, or; AHI greater than or equal to 5 and less than or equal to 14 events per hour with documented symptoms of excessive daytime sleepiness ...Jul 26, 2021 · Yes, long COVID can be a disability under the ADA, Section 504, and Section 1557 if it substantially limits one or more major life activities.9 These laws and their related rules define a person with a disability as an individual with a physical or mental impairment that substantially limits one or more of the major life activities of such ...
Today’s final rule includes changes to protect people exploring Medicare Advantage and Part D coverage from confusing and potentially misleading marketing practices,” Dr. Meena Seshamani, CMS .... What classes are required for marketing degree
The ADA has all the tools, resources, and information you need to grow your practice. Advocacy. Get a voice in Washington, D.C. on the issues that matter to dentists and the patients they serve. Save the date for SmileCon 2024! Make plans to join us in New Orleans Oct. 17-19, 2024. Registration opens in early summer 2024.Based on Transmittal 10120 (CR 11788 - Quarterly Update to the Medicare Physician Fee Schedule Database (MPFSDB) - July 2020 Update), HCPCS code Q5121 has been added to report infliximab-axxq effective for dates of service on or after 07/01/2020.Coding guidelines 1 and 2 have been revised to include “biosimilars”.This LCD supplements but does not replace, modify or supersede existing Medicare applicable National Coverage Determinations (NCDs) or payment policy rules and regulations for wound care. Federal statute and subsequent Medicare regulations regarding provision and payment for medical services are lengthy. They are not repeated …On August 26, 1999, HCFA (now CMS) issued the first decision memorandum (CAG-00041N) for “Continuous Subcutaneous Insulin Infusion Pumps” that utilized a C-peptide testing requirement for Medicare coverage of CSII pump therapy. 14. On May 11, 2001, CMS issued a second decision memorandum (CAG-00092N) for “Insulin Pump: C-Peptide Levels as ...Section 105 of the Benefits Improvement and Protection (BIPA) Act of 2000 permits Medicare coverage of MNT services when furnished by a registered dietitian or nutrition professional meeting certain requirements, effective January 1, 2002. Section 4105 of the Balanced Budget Act (BBA) of 1997 permits Medicare coverage of the outpatient DSMT ...The Americans with Disabilities Act of 1990 (ADA) is a law that helps protect the civil rights of people with disabilities. It can help people with disabilities have equal opportunities in: Work. Access to places that are open to the public. Transportation. UnitedHealthcare not less than 7 calendar days prior to advertising. Roger is conducting an educational event and has asked a couple of providers to be present at his booth. The hearing aid representative has general information on hearing loss, business cards and logo coffee mugs (worth $8).The ADA explains what businesses and state/local governments must do to make sure that they do not discriminate against a member of the public with a disability who uses a service animal. Generally, businesses and non-profits that are open to the public as well as state/local governments must allow service animals to go most places where the ... Local coverage Articles are a type of educational document published by the Medicare Administrative Contractors (MACs). Articles often contain coding or other guidelines that complement a Local Coverage Determination (LCD). MACs are Medicare contractors that develop LCDs and Articles along with processing of Medicare claims.Article Text. NON-MEDICAL NECESSITY COVERAGE AND PAYMENT RULES. For any item to be covered by Medicare, it must 1) be eligible for a defined Medicare benefit category, 2) be reasonable and necessary for the diagnosis or treatment of illness or injury or to improve the functioning of a malformed body member, and 3) meet all other applicable …09/06/2023 04:57 PM. Help with File Formats and Plug-Ins. Webinars, conferences, meetings & workshops Medicare Medicare Learning Network® (MLN) Web-based training CMS National Training Pr.Coverage Indications, Limitations, and/or Medical Necessity. Respiratory therapy (respiratory care) is defined as those services prescribed by a physician or a non-physician practitioner (NPP) for the assessment and diagnostic evaluation, treatment, management, and monitoring of patients with deficiencies and abnormalities of cardiopulmonary function.ADA Regulations and Design Standards. The ADA statute identifies who is a person with a disability, who has obligations under the ADA, general non-discrimination requirements and other basic obligations. It delegates fleshing out those obligations to federal agencies. The agencies issue regulations and design standards.Medicare's annual open enrollment period began Oct. 15, allowing seniors to choose new plans. New rules this year are supposed to crack down on misleading marketing but buyers should still beware..
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