“over 65 Medicare Survivor”
7 years ago
last modified: 7 years ago
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- 7 years ago
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The Humana-Walmart Medicare Rx Plan, anyone?
Comments (21)Yup...GROAN...it's forever...unless the Supreme Court rules that the government cannot force people to carry medical insurance....saying that it's unconstitutional. If they do that...in the coming year...the Feds will have to drop the penalty. I did contest it when it was imposed as my error was not intentional. I hadn't been informed by my late husband's insurance carrier that I was required to carry Part D. I use no prescriptive drugs so I guess they assumed I didn't need to be concerned about it. WRONG! They did tell me that I had to replace the Supplemental policy and I did so immediately. I should say that all my health benefits died the minute [literally] that my husband died due to an irreversible benefits decision that he'd made long before I met and married him. And my ignorance of his benefits package was not intentional. They would never allow me access to anything. If my husband didn't deal with them nothing got done. In any case...Medicare partly found in my favor...erasing 8 months from the penalty formula...but leaving the remaining 36 months using the excuse that ignorance is no excuse when it comes to the law. So...I now pay 1% times a yearly Federally elected dollar figure times 36 [months] and that amount is added to my monthly premium. It usually amounts to about $15/mo. And it makes me a very unhappy camper considering that my only source of income is SS and I still have a mortgage to pay each month...not to mention all the other little life necessities that come along with daily survival. So...for anyone who's age 65 or about to become age 65...talk to a SS or Medicare representative and enroll in a Medicare approved Part D program ASAP. If you don't...you could end up being penalized like me when you do elect to enroll in a Part D program...or when it's discovered that you're not enrolled in a plan. It's been mandatory since 2006. Learn from my mistake! Or gamble that the Supreme Court will find in our favor...knocking the whole forced insurance program out of the ball park. Anne...See MoreNot sure if I just was a victim of a Medicare scam.
Comments (24)I didn't give him MY SS number, gave him my Medigap number by mistake, he already had the last 4 digits of my SS number. Where he got that information, I don't know. DH did give his when the guy said he could pre-enroll him for Medicare. I did visit the doctor and they have copies of my cards. Maybe got the information through them? Or a Medicare salesman? I have been getting lots of calls from outfits who wanted me to sign up with them. DH thinks he was an independent Medicare insurance agent trying to get us to switch to another company. He quoted prices from another company and other plans. When DH talked to BC insurance they asked for a confirmation number he should have given DH if he signed him up. We didn't get a confirmation number nor an email from him listing everything he talked to DH about. He said he would send an email. Just a flake or theif? We have done all the things we can do, notified all the people we are suppose to and gave them all the information we had on the guy - phone numbers, name, etc. Now just have to wait and see. What a way to spend my 65th birthday! I really don't feel like celebrating today....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 MoreFor those who are Medicare savvy
Comments (73)I know this thread is a couple of years old, but Medicare is a topic that remains relevant, and I'm sure others are still finding this discussion useful. You did a great job outlining the complexities between Medigap and Advantage Plans. It really is a labyrinth, isn't it? I came across this resource at https://www.coveringcfl.net/open-enrollment-for-health-insurance-in-2024-enrollment-dates-details/ which, although not exclusively about Medicare, does provide some good general insights into the insurance enrollment process. Since it's been a while, I'm really curious how things have been going for you and your DH. Did you go with Medigap? How has your experience been?...See More- 7 years agolast modified: 7 years ago
- 7 years ago
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