Heath and Well being of Seniors forum: Medicare supplement plans and what we need to know.

 
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ImageSugarweed
Feb 25, 2010 1:35 PM CST
Name: Sidney, Zone 9A and 9B
Okeechobee, Fl
Giving Audubon Sanct. Tours Soon.
Jim here you go.
Please proceed with my blessing.
Sunshine
Ears perked up!
The difference between adventure and adversity is attitude. Be positive, be happy.
ImageLindaTX8
Feb 27, 2010 3:58 PM CST
Name: Linda
Medina Co., TX
DH has some kind of Humana plan. I'm on CHAMPVA and when I turn 65, it will be my secondary coverage after Medicare.
Imagejimsned2
Mar 2, 2010 9:23 AM CST
Name: Jim
South Florida
I've got Medica, and so far I'm thrilled with it, no co-pays at my doctor, I've had several visits to the hospital and it was 100% covered, the only prescription I seem to have to pay $10.00 for is Lipitor! I am on a lot of meds so I think I'm very happy with the plan.I was worried about that donut hole thing, but thanks to you folks I understand it much better now. Would you believe that when I was a young man (when Custard was a cadet) I was an insurance man! Now it's all gobbledygook to me. Confused
"we don't pay taxes, only little people pay taxes" Leona Helmsley

ImageSugarweed
Mar 2, 2010 10:01 AM CST
Name: Sidney, Zone 9A and 9B
Okeechobee, Fl
Giving Audubon Sanct. Tours Soon.
I hear Ya Jim, Hilarious!
I am 17 months away and starting to study now.
I am so glad your only co-pay is Lipitor.
Thumbs up
The difference between adventure and adversity is attitude. Be positive, be happy.
Imagedgal
Mar 2, 2010 10:33 AM CST
Name: Don Galaway
Baytown, Texas (Zone 9a)
I am following this thread very closely. I am 63 years old, so my time is coming. I don't speak the same language those people seem to speak, and I speak English and it is all gobbledygook to me too. So guide this young-un.

I elected to keep my company insurance when I retired, but I am paying close to $300/month. Will I be able to let that insurance go and save those greenbacks?
Santa Don

Bringing joy to the world, one smile at a time. http://www.santa2u.net
ImageSugarweed
Mar 2, 2010 10:43 AM CST
Name: Sidney, Zone 9A and 9B
Okeechobee, Fl
Giving Audubon Sanct. Tours Soon.
Thanks Don,
That's why I did a Boomers Cubit.
I need to be savvy before I get there.
My BD is 8-14 and yours?
Big Grin
The difference between adventure and adversity is attitude. Be positive, be happy.
Imagedgal
Mar 2, 2010 10:45 AM CST
Name: Don Galaway
Baytown, Texas (Zone 9a)
8/3 Shine.
Santa Don

Bringing joy to the world, one smile at a time. http://www.santa2u.net
Imagejimsned2
Mar 2, 2010 11:00 AM CST
Name: Jim
South Florida
One of the dumb things I wasn't aware of is that for a few (5) years I was under private insurance, I didn't know that it cost me nothing to get a supplemental, I had been paying for it all the while. I do remember when I retired they gave me an option about supplemental informing me that if I didn't take it at the present price then, it would go up each year, I elected to take it, and when I dropped out of the private insurance I just had to prove I did have insurance up until that time and I saw no change in my S.S. Had I known how great medicare with a supplement is I would have done it years ago. Grumbling
"we don't pay taxes, only little people pay taxes" Leona Helmsley

ImageSugarweed
Mar 2, 2010 11:12 AM CST
Name: Sidney, Zone 9A and 9B
Okeechobee, Fl
Giving Audubon Sanct. Tours Soon.
At a Retiree breakfast we were told if a company wants to buy you dinner at a local restaurant, they are NOT the company to go with.
The best supplemental providers don't have to wine and dine you.
Their plans speak for themselves.
We also may end up paying for supplemental ins, so I'm paying attention as to how to get the most for my or Govt.'s dollar. Smiling
The difference between adventure and adversity is attitude. Be positive, be happy.
Imageshirley
Mar 2, 2010 11:14 AM CST
Name: shirleyt thompson
Pearl River, Louisiana
Beginners At Art
We have a People's choice plan here. I do not think it can be beat. Cost were taken from SS checks and there was just a few meds not covered. Hospice was awesome also covered. They are still visiting me for grief counsel and I could have more group meetings if I chose. Being me I would rather stay on my corner. I get afraid of any change that may be made to my coverage. shirleyt
shirleyt
wanna be artist bad
visit me at Beginners At ART



[url=http://cubits.orgshirleytBeginnersAtArt]


























shirleyt
Beginners At Art


Imagejimsned2
Mar 2, 2010 12:14 PM CST
Name: Jim
South Florida
When all you folks who are getting close to Medicare I think it's important to understand that all these company's who offer supplemental have varied plans. To this day I still don't understand why some one would take a lesser plan then the best that's offered. I guess the best thing to do is ask how much for a particular plan is going to be deducted from my S.S., I picked Medicas best and when I asked he said it cost you nothing? I've had it for a while now and no change in my S.S. It just seems too good to be true, and you know what they say about something like that!
"we don't pay taxes, only little people pay taxes" Leona Helmsley

Imageshirley
Mar 2, 2010 2:39 PM CST
Name: shirleyt thompson
Pearl River, Louisiana
Beginners At Art
You need to make sure you are signed up with SS for parts A B and D to be covered and the money is taken by SS . I am pretty sure it is 90 dollars a month. If you are not signed up for that you are probably not covered. Do you have your cards. Medicare and a medical card from your supplemental company that you have to cover you. You do nothing without cards. Part D is to cover your meds. At least that is how it works here. Make sure you are ok. Better safe than sorry. Companies do not charge you anything they get money from Medicare. Where the catch is ......is in what do they cover. There is a huge difference in one from the other. Research make sure you have the best.
shirleyt
wanna be artist bad
visit me at Beginners At ART



[url=http://cubits.orgshirleytBeginnersAtArt]


























shirleyt
Beginners At Art


Imagejimsned2
Mar 2, 2010 2:57 PM CST
Name: Jim
South Florida
It's interesting that you mentioned the cards! The secretary at my doctors office told me that a mistake a lot of people make is to just show them your medicare card, according to her that's a big mistake, you show your supplemental card only in my case my medica card, that gives them the info that your on medicare and also have the supplement. She says it does make a difference.
"we don't pay taxes, only little people pay taxes" Leona Helmsley

ImageSugarweed
Mar 2, 2010 3:23 PM CST
Name: Sidney, Zone 9A and 9B
Okeechobee, Fl
Giving Audubon Sanct. Tours Soon.
Thanks Jim and Shirley
Your advice is priceless to me.
;)
The difference between adventure and adversity is attitude. Be positive, be happy.
Imagedgal
Mar 2, 2010 5:38 PM CST
Name: Don Galaway
Baytown, Texas (Zone 9a)
Taggets wrote:Thanks Jim and Shirley
Your advice is priceless to me.
;)


....and me.

Santa Don

Bringing joy to the world, one smile at a time. http://www.santa2u.net
ImageLindaTX8
Mar 2, 2010 8:18 PM CST
Name: Linda
Medina Co., TX
I always give them both cards, primary and supplemental cards. The tricky part is that a few providers won't file a claim on the supplemental one.
ImageSugarweed
Mar 2, 2010 9:00 PM CST
Name: Sidney, Zone 9A and 9B
Okeechobee, Fl
Giving Audubon Sanct. Tours Soon.
Linda is that any supplemental? Or just certain ones?
I had a Dr that quit taking ins. I got another doctor.
I took 4 years to do it. I liked that Dr.
I should have changed right away.
My new one takes much better care of me.
;)
The difference between adventure and adversity is attitude. Be positive, be happy.
ImageLindaTX8
Mar 3, 2010 12:44 AM CST
Name: Linda
Medina Co., TX
It's a supplement for CHAMPVA...don't know about others. I can deal with it. If I go to a pharmacy, I just pay the % upfront and then send in a claim (reimbursed later only if I've met the deductible). I do the same thing with the lab that does lab for my primary doc, they don't do the secondary claims.Mostly my medications are by mail and I that I don't have to worry about those. BTW, I've heard there's already doctors who were accepting Medicare before that have decided to not accept any Medicare patients in the future because they aren't being compensated enough for it to be worthwhile.
Imagejimsned2
Mar 3, 2010 6:12 AM CST
Name: Jim
South Florida
After reading Lindas post I think I'm even more glad that I live in Florida, I've never paid anything out of pocket except $10.00 for Lipitor, nothing for hospitals, tests, Dr.Visits,or hospital stays. I suppose it has to do with so many retirees living here. Also, I can't think of anyone in our over 55 community that's mentioned that their doctor won't accept medicare. Thumbs up
"we don't pay taxes, only little people pay taxes" Leona Helmsley

ImageSugarweed
Mar 3, 2010 9:45 AM CST
Name: Sidney, Zone 9A and 9B
Okeechobee, Fl
Giving Audubon Sanct. Tours Soon.
My insurance which uses Cigna pays a "Negotiated" fee, which is about 55% of what they are billed. The ins. pays 80% of that and I pay 20% of the NF.
If they can accept Negotiated Fees, I believe they will accept 60%.
Many Drs are put off by the Ins. Co.s "Managing" their patients care by denying treatments they deem necessary.
;)
The difference between adventure and adversity is attitude. Be positive, be happy.

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