“over 65 Medicare Survivor”
kathyg_in_mi
5 years ago
last modified: 5 years ago
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kathyg_in_mi
5 years agoRelated Discussions
medicare advantage vs medicare supplement ?
Comments (15)I have only encountered one MD who opted out of Medicare. This was the orthopod who did my left hip replacement before I was 65. I was foolish to go back to him for the right hip after he opted out. There are tons of other highly qualified orthopods. I paid $7K with zero reimbursement. Dumb Sue. Some MD's with 'niches' can get away with opting out. Ten years ago I found that some GP's were going the 'retainer' route. They charged a patient a set annual fee ($8-10K) and spent no time 'messing' with Medicare or any other insurance plan. I don't know if that worked. I haven't heard anything about it recently....See More4 Medicare Misconceptions
Comments (1)Thanks for reposting this article. I saw it but didn't really pay attention. Medicare is a great program and most seniors couldn't live without it. But, it has its pitfalls like anything else. This article really spells them out. Here is a link that might be useful: Satisfying Retirement...See More"Medicare Demystified"
Comments (4)All states have a State Health Insurance Assistance Program (SHIP). The book is written in such a way that it answers questions you didn't know you had. It gives information you didn't know you needed. And, you can read it at your own pace. You don't need to make repeated calls to your state's SHIP....See MoreLooking ahead to Medicare
Comments (105)"I am prohibited from using Medicare" Maybe it's not what you have, salti, but many subsidized or provided retiree medical plans are Medicare Advantage plans and indeed have an unseen substantial Medicare paid-for component to cover provider charges. A Medicare Advantage plan is one where the private medical insurance administers Medicare benefits on behalf of Medicare itself and sends them the bill for payments to doctors, hospitals, and other providers. Medicare Advantage plans can be far more generous than straight Medicare or Medicare plus one of the standard supplements and other than which system pays what portion of a charge (Medicare or the private insurance) invisibly in the background, the covered individual would never know they have anything other than coverage from the insurance company they deal with. I have an employer provided Medicare Advantage plan and I too am "prohibited" from using Medicare directly. But it's there all the same and invisible to me but for one provision - I am required to go to providers that accept Medicare. But there's no in-network/out of network benefit difference for any health related service or goods. Not actually prohibited but I can be on the hook for some charges. For some non-Medicare accepting providers, I pay a deductible/co-pay and the provider gets what would have been the Medicare reimbursement if they accepted that in full...See Morekathyg_in_mi
5 years agolast modified: 5 years agokathyg_in_mi
5 years ago
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