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medicare,which plan -d-e-f

Discussion in 'Shooting Related Threads' started by CalvinMD, Jan 18, 2010.

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  1. CalvinMD

    CalvinMD Well-Known Member

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    Man I wish I knew too...I just got all my Medicare paperwork and am at a loss on what to do...would be so appreciative if there are any other guys who are single ..no dependents who are on this and what are their experiences and recommendations, explain how effective each part has shown to be...or what I should have supplimental for...any help!
     
  2. Dusted1

    Dusted1 TS Member

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    You would be better off if you contact your local office as a lot of things have changed for 2010 and they would have the latest info to advise you with.
     
  3. Bernie K

    Bernie K Member

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    Cal, I take it you just turned 65 in the past few months. I turned 65 last July and my wife is still trying to figure out all the paper work. She worked for medicare part B when she got out of collage, she still has no idea what they are talking about now. Good luck in your search for answers. Bernie. PS wait to you see all the paper work and manuals you will be getting, and they want to give us a national health plan with 2000 pages, OMG
     
  4. spitter

    spitter Well-Known Member TS Supporters

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    Also... don't dismiss Plan C.

    First question... do ALL your providers accept Medicare assignment - that means do they all accept Medicare's level of benefits?! If you're not sure or have no idea, call the office and ask.

    If they do not, then Plan F offers additional coverage between what Medicare allows and the usual and customary charges for your GP/Internist/Specialist office/procedure costs. Most hospitals, except some private facilities accept assignment.

    If your providers all accept Medicare's level of benefits, then you eliminate Plan F as a choice and focus on plans C,D and E - the choice here is which benefit do you want to have.

    Plan C - pays the doctors' annual deductible ($135 annual value)
    Plan D - offers "at home" recovery benefits ($40/day following a hospital stay, up to a $1600 (40 days) annual value, after a hospital stay)
    Plan E - offers preventative exams/testing ($120 annual value).

    Plan C is the more expensive of the three, so by taking D or E, you can typically save enough premium to pay the $135 deductible and get an extra benefit... ultimately your choice - $40/day if you're hospitalized and need help at home OR $120 to pay for some preventative care if you would go each year for a checkup, hearing test or vaccinations.

    Hope this brief outline offered some help...

    regards all,

    Jay
     
  5. Tom Strunk

    Tom Strunk Well-Known Member

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    F, It's a little more but the benefits are greater when you need them. Just changed over to "F" plan with Blue Cross/Shield of Arizona for my wife and me. My preference is with the doctors in my home town of Orange, CA not here. This plan lets me use those doctors and hospitals for my wife's major surgery this coming Febuary 2nd.

    Best of luck.

    Tom Strunk
     
  6. Hoosier Daddy

    Hoosier Daddy TS Member

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    I would go with plan "F". If your doctors charge more than medicare allows the plan picks up the difference. If you can get Mutual of Omaha in your area it is the cheapest plan F you can buy. I shopped them all in my area and they were the cheapest and they pay with no arguments. My wife was diagnosed last Feb. with lymphoma and we had no out of pocket expenses at all. I don't know what we will do if the idiot cuts medicare by 500 billion.
     
  7. dr.beav

    dr.beav Member

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    Hey - why don't you just keep your Blue Cross and Blue Sield?? You do not have to take part B, D, and F. the beav
     
  8. CalvinMD

    CalvinMD Well-Known Member

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    I'm only 50...totally disabled and no other insurance...very limited income to work with
     
  9. joannl030

    joannl030 Member

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    I highly recommend looking into AARP and their benefits that pay the balance after Medicare. I do NOT recommend optioning for the plans that take the place of Medicare. You would be paying the other insurance premium, but also be paying for Part B directly out of your SS check. Ultimately paying twice for one benefit. I have worked in the medical insurance field for 22 years.
    What state do you live? I am experienced in New York. I hope this helps a bit.
     
  10. spitter

    spitter Well-Known Member TS Supporters

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    Can I assume you've been on social security disability 24 months to qualify for Medicare?! In a discussion with any Medicare supplement vendor make sure you tell them your under 65 and on disability... those options are much more limited than those available to Medicare eligible individuals age 65 and older.

    Similarly, since you mentioned "limited income", without asking, depending upon your financial situation, you might investigate whether you may qualify as a Medicare beneficiary under Medicaid. As QMB, your state typically pays the Medicare premium direct, and acts as your 20% supplement.

    For more information/eligibility, contact Social Security and your state's social services/public welfare agency direct.

    Respectfully offered,

    Jay
     
  11. birddog1964

    birddog1964 TS Member

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    calvinMD,

    I'm in the same boat that you are in I lost my Tencare last year all that that I had until 12/28/2009 was medicare. Check in to AARP/MEDICARECOPLETE from securehorizons you don't have to be 55 to qualify and your medicare pays the premium and depending on your income you can get help from medicare on your meds. I hope this helps, if I can help further send me a PM.

    thanks
    lee
     
  12. Post  2

    Post 2 TS Member

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    Don't be mislead that any of them pay all after Medicare. They pay a given amout of what Medicare approves, not what you are charged. Post-2
     
  13. abbielew

    abbielew TS Member

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    Calvin,

    First, All the comments so far will do nothing but confuse you.

    I will try and explain as I turned 65 a few months back and went through
    the same thing. My Medicare card shows Hospital Part A and Medical Part B
    which will cost you $96.00 per month if you are single.

    For the supplimental, I chose Humana as I heard lot of good things about
    them and it is only $58.00 per month. Not sure where you are from, but
    talk with the Dr. Office or Clinic where you are and see what providers
    they have, Humana, Blue Cross,Blue Shield. etc. I do not recommend
    ARRP as they support Gun Control, you will have to decide on this one.

    I order my medication through the mail(RightSource) and it costs me nothing.
    If I go to Target, I have to pay co-pay.

    First, do not let these guys on this site mess with your mind, go talk to
    your closest Social Security office and they usally can explain it pretty
    good.

    Again, talk to your clinic and find out what providers service our area and
    then call them aksing for their prices and steps of coverage.

    If you still are confused, e-mail me and maybe we can then talk by phone to
    clear things up.

    ldb
     
  14. Brian in Oregon

    Brian in Oregon Well-Known Member

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    Keep in mind AARP is anti-gun. And often their insurance can be found elsewhere, even direct, for the same or less. AARP is often an unneeded middleman.
     
  15. spitter

    spitter Well-Known Member TS Supporters

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    Post-2... excuse me, but Plan F pays the difference between what Medicare allows and what doctors charge on a U&C basis... if doctors are within the U&C charge allowable range, YES - Plan F will cover everything after Medicare pays.

    In general, medicare supplement plans pay the 20% based upon the Medicare allowable charge, but Plan F has an enhancement, as well as covering both the hospital and annual doctors' deductible.

    Respectfully,

    Jay Spitz
     
  16. spitter

    spitter Well-Known Member TS Supporters

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    CMD:

    One other program not discussed is Part D (not Plan D) - prescription drugs... Check with your state/county/township welfare offices to see if they have a program for those on lower fixed incomes.

    In Illinois, we have "circuit breaker" which for those on low income (more than Medicaid will allow), with limited resources; folks may qualify for state pharmaceutical assistance - your state may offer something similar...

    If you're taking meds for a chronic condition, contact the manufacturer(s) to determine whether you may qualify for the manufacturer to provide you medication at a reduced or no-cost basis - they advertise this benefit at the end of every commercial... Glaxo Smith Kline, Astra Zeneca, etc...

    Again, respectfully offered,

    Jay
     
  17. halfmile

    halfmile Well-Known Member

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    The dirty bastards at AARP have a plan that most people love. It's a medicare advantage (part C), which means they take your part B money and you pay nothing per month. It covers medication, too. Look in your medicare book for Secure Horizons.

    You pay a small amount for each thing that happens, like a doctor visit is 10 or 15 dollars, 25 for a specialist. That's why they call it a fee for service plan.

    With my wife still working I have stayed on her comany insurance, and it does not satisfy me either. Still shopping.

    HM
     
  18. geneleroy

    geneleroy TS Member

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    I know I'll get 'dumped' on for using AARP, but here goes anyway! My wife and I are both enrolled in Medicare A, B & D and have AARP plan F supplement. Plan F is pricey but to me it's worth it not to worry about being covered 100%! It even covers the annual Medicare deductible. For you naysayers, we both have pre-existing conditions and are not taking a chance on changing plans after 12 years! If your provider accepts Medicare then you have no, none, nada, out-of-pocket expenses for medical care and no paper work except the usual B.S. at the Dr. office and/or hospital. There are no claim forms to fool with! You do have co-pays on the prescription plan D. Right now the co-pay on a 30 day supply of a generic drug is $7.
     
  19. cunninmp

    cunninmp Member

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    Cal, just before I turned 65 I went with Humana Plan F.
    I'm very glad I did because at my welcome to Medicare Physical it
    was found I have blood cancer. Now a year and a half later I
    haven't had to put out one thin dime. It's also paperless on my part.
    Runs me $126.00 per month which includes Rx.
    I also found out that these plans are controlled as to costs. So it
    doesn't matter if you go through provider A, B, or C, the costs are
    very close for the same plan. Normally within $6.00.
    I know that $126.00 might sound high, but what it's done for me is amazing.
    Mike C. Groveland, CA
     
  20. JEB

    JEB Active Member

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    I will be 69 in February and just switched from my company plan which included a HSA to Medicare. My concern was to keep my wife who is younger and step daughter covered. She is in college. When I calculated how much I was paying for medical insurance, how much the comopany was contributing, and the deductables, it was about the same to change to Medicare parts A and B, Medigap and Medicare D and take out a seperate policy for my wife. I choose F as the best combination of costs/benefits. A couple of words of explanation: the company plan had a $7,500 deductable for family medical costs. This was supposedly made up by the HSA. The company will pay me as salery what they were contributing to the insurance expense. I just moved from Long Island (NY) to Prescott, AZ. Arizona individual insurance is inexpensive, in NY like everything else it is astronomical. It would have been impossible to have done that there. Also the minute I choose any type of medicare, the HSA became invalid. I still kept the money, but lost the tax deduction. Going backto the original question, I believe that F offers the best combination of costs and value. The coverage is the same no matter which company you choose, but costs are all over the place. Many states publish costs for plans A-J for all of the firms operating in that state over the web. Shop around and AARP will not be the least expensive.

    John Bergman
     
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