What happens if an old person fails that medicare cognitive test?
2 years ago
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I think Medicare is losing its mind.
Comments (27)First, Alisande I believe if you look on the back of your Medicare EOB you will find the information about APPEALING their denial of coverage. It should be there .... somewhere. Denials are always appealable, usually there are 2 levels of appeal. So, exercise your RIGHT TO APPEAL. Write a letter & explain your situation. If that fails, enlist your chiro to write an appeal for a second review. Medicare doesn't "think". They have guidelines for coverage. A low level clerk of a computer program screens outs targeted types of claims that have traditionally been abused. That system isn't perfect. But if you don't appeal something that is legitimate, or *possibly* legitimate, they have no way of knowing that they've snagged something in error. The error could even be in how the diagnosis &/or treatment was coded on the bill by the chiro's staff. Chiro has its place & can be a helpful adjunct for treatment. But it does have quite a history of "hocus-pocus" & of duping people &/or insurance/Medicare. I am aware that there are those "lonely sorts" who ... truth be known... use a chiro visit as somewhat of a social outlet. Why should Medicare or insurance pay for clearly unnecessary treatments. Preventive chiro generally isn't in the same league as preventative in traditional medicine. I guess we can look forward to more of same as the government inserts itself even further into our healthcare delivery system. Gibby, I don't understand your statement. At.all. Medicare IS & has ALWAYS been a gov't run healthcare system. I want my tax $ spent as wisely as possible. If there is fraud/abuse, weed it out. And of course, they certainly can't afford to cover absolutely everything on the healthcare menu....See MoreCan you reconcile Medicare acct like you do regular insurance acct?
Comments (53)In prior years, the medical deduction was limited to the only the expense amount in excess of either 7.5% or 10% of adjusted gross income (I forget which). So people needed to have some combination of low income and relatively high medical expenses to get any deduction for medical costs. Starting in 2018, the federal standard deduction will be $12K for single filers and $24K for joint returns. With the state tax deduction haircut to $10K in total and the same continuing limit on medical expenses, far fewer people will be itemizing deductions on their federal returns. For many people's state income taxes, changes corresponding to these federal changes have not been made and many may have a federal standard deduction while still itemizing for state taxes. I expect that when we have regime change in the US, the tax rules will be changed to revert to something closer to what they were before this latest round of nonsensical and deficit bloating changes. The upshot is that even for those who did deduct medical expenses (and insurance premiums) in prior years, far fewer will do so in the future. If there's no deduction for the current year (which you'll see when your return is prepared), there's no need to keep bills and correspondence beyond when each individual claim has been resolved....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 MoreMedicare Advantage pros and cons
Comments (50)NYC retirees had a brief respite when the retirees group filed lawsuits which challenged several aspects of the implementation of the original MA plan with Anthem, a for profit division of BS/BS and due to judgements against NYC, the original plan was dropped. However, in recent weeks, the new mayor, Eric Adams, who had claimed he was against the idea of MAPs, suddenly sided with several of the unions who were pushing for the MAP. Although the concept of unions not siding with their retirees is abhorrent to most of us, that is the current situation. . (There seem to be some funny money financial issues which are pitting the unions against the retirees; if anyone is really interested in how this all developed, I,d be happy to fill you in) Another company, Aetna, has come up with a new MAP proposal. Supposedly this one has fewer pre auths required (for now) and it's supposed to be what they call an extended service area to expand use outside of the NYC area, However, many of the out of state retirees are finding out their current medical facilities and doctors do not accept this plan. And, to make this new situation even worse, is that with the earlier proposal, a retiree had the option of remaining with original medicare and their current supplement, for an additional fee. The current proposal is sort of ’my way or the highway’ in that there is no option for staying with our original Medicare and city provided supplement, one would have to opt out of city coverage completely and find their own supplement, at not group rates. Since Mayor Adams just signed the MAP contract this past week, a new retirees group lawsuit has been filed. Wish us luck. I've actually seen the results of an unwanted switch to a MAP personally, My cousin, a retired teacher from Maryland with some recent serious medical issues, currently living in NYC, was recently switched to a Maryland MAP. She was injured last week and found that 2 of her doctors would no longer accept her MAP, and she needed a hand doctor for her injury. she had to call over 10 hand doctors to find one to take her MAP. Unfortunately, this seems to be where many mucipalities are heading for Medicare retirees, but a change is in the air for active workers as well as to the type of plans offered....See More- 2 years ago
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