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Medicare

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Posted by ron in mich, on Fri Feb 17, 2017 1:04 pm

Hi Char when i was young i didnt think i would live to 50, with partying, wrecking cars, riding motorcycles but here i am turning 66 in a few weeks, as for medicare i had the same reaction trying to understand it so i signed up for a seminar and it helped some but was still too much info so i read the booklet and read it some more and made a couple phone calls to figure it all out.  good luck

 
Reply by CharK63, on Sat Feb 18, 2017 5:50 am

Thank you Ron,

I do know one thing, I'm going to take advantage of my current insurance and I have 6 months to do it. 

My colostomy was the result of dental problems. I had to wait until Obamacare added dental benefits to get a tooth pulled but the dentists who accepted it were backlogged for months. I went to my gp for antibiotics and Vicodin each time it flared up. 

Once I finally got the tooth removed it was really bad and I got jammed up from the Vicodin until I exploded.

I had symptoms 3 times in the year I was waiting but Since got well after a couple of days, I didn't think I needed go to ER until my colon ruptured, I was fully septic and my kidneys failed. I'm lucky to be alive.

The dental coverage my mom can get is too expensive and only covers routine care and xrays so I'm going to eliminate the need for that insurance I hope and get full dentures. I am SO fearful of the dentist I can't believe I'm asking for this!

charlotte

 
Reply by vulcanBMk2, on Sat Feb 25, 2017 10:36 am

I read all that & didnt understand any of it.?? Seems like you have to jump through hoops to get anything & a Uni degree to understand why you got it. So pleased  I live in UK . ,,, we have a  National Health service & very little Private Insurance  , althougn  this is available if you  feelyou  need it .

 
Reply by CharK63, on Tue Apr 11, 2017 1:29 am

Hi Everybody!

I have been on hiatus for the last 6 weeks and I used some of that time to get a sort of handle on the medi care situation. 

We are eligible for Medicare 3 months before our 65th birthday. If we are receiving social security checks we will automatically be enrolled. If not, we have to sign up or we will be fined late enrollment fees. 

It seems that though we are not required to buy supplemenal insurance it is pretty much expected to offset costs not covered by traditional Medicare. 

Ive never been denied services on my state health plan but I think that is because the staffs only ask for things they know are covered. I think this because when I ask any of my medical staff they say That's great you are getting Medicare because they cover so much more!"

As far as the cost of supplemental insurance there are charts at the back of the Medicare book that itemize the monthly fee, doctor visit co-pays, specialist co-pays, the amount of deductibles and so on. 

I saw one agency as low as $9 a month but the other costs were higher. 

I feel I learned enough to make a decision  now and hope I've clarified the issue somewhat. I'll let you know what I decide and any more tricks they have up their sleeve. But I'm not paranoid. I just don't trust the government, now more than ever. 

 
Reply by Puppyluv56, on Sun Sep 02, 2018 8:37 am

Supplemental insurance is not required but can be cost saving! It you have traditional Medicare, part A (hospital only)is free and Part B ( all other medical care)cost about $135 a month and only pays 80% of you care leaving you 20% which is a large amount. There is no maximum amount so a supplemental plan will cover that 20% but it will cast you about $125a mont in addition to your traditional Medicare cost. But if your medical needs are great, which all of ours are, it is well worth the cost and a great savings. If you choose a Medicare Advantage plan, it pays the same as traditional Medicare but has a maximum out of pocket per year that varies with the plan but about$6500 per year. You are not allowed to have a supplemental plan with and advantage plan. So taking outtraditional Medicare with a supplement plan will cost much less per year and you will not have people billing you constantly and having to figure out how to pay the bills. You must also find a part D plan for your prescription. Combination plans like are called plan E and F. The difference 

 
Reply by Puppyluv56, on Sun Sep 02, 2018 8:41 am

This is to add to my last post( not a user friendly reply) The difference between E and F is that one of them you have to pay the Medicare deductible and the other you do not. I was a case manager/Patient Advocate for a large Oncology practice and this is what I did for my patients. Explain the choices and get them assistance if needed. 

Puppylup

 
Reply by Mrs.A, on Sun Sep 02, 2018 8:44 pm

Thanks for that post Puppyluv. You make it sound like I can even grasp it. I'm not looking forward to dealing with any of it and 60 is a very short time away, ugh!

 
Reply by Puppyluv56, on Sun Sep 02, 2018 8:57 pm

Hi Mrs A. 

You mentioned 60. That is your age? Are you applying for Social Security disability? If you are, you will get your Medicare approximately 2 years and 5 months from your disability date. You have the same options of traditional Medicare or an Advantage Plan but unless you are 65, you cannot purchase a Medicare supplemental plan. It seems dumb but that is the law.you can have other insurance like a spouse that is still working like I do. That makes your Medicare secondary to the private insurance. If you have other retirement insurance you Medicare would be primary and the other insurance secondary. They really try to make it as difficult as possible right!?’

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