Medicare Question?

Discussion in 'Bad Dog Cafe' started by puddin, May 10, 2019.

  1. puddin

    puddin Tele-Holic

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    Hello, I just received my medicare card part A and B effective 8/1. Thing is, I'm getting slammed with phone calls, the mail box. Now, this guy pulls into my driveway, and starts talking about Part C. Can't find any reviews, as to what's better. I'm healthy, without any special needs. Any thoughts, or experience would be helpful. Thank's in advance.
     
    Last edited: May 10, 2019
  2. Mechanic

    Mechanic Friend of Leo's

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    Watching. I just entered this quagmire.
     
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  3. thegeezer

    thegeezer Tele-Afflicted

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    What you need is a part D for prescriptions and a plan F or G supplemental plan to cover the portion of medical costs not covered by Part B.

    That’s all there is to it.

    Ignore ALL the sales hype.

    Medicare Advantage plans are inexpensive but work like PPO or HMO plans. They’re not great if you’re away from home. Get an F or G.
     
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  4. kingofdogs1950

    kingofdogs1950 Tele-Holic

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    The first time though the maze is confusing.
    I was lucky enough to have an friend who is an insurance salesman hold my hand.
    I know help is available in deciding which plan and how to navigate the process. I believe SSA will help if you call. Also, try 211/social services.
    Beware of anyone with something to sell you!

    Mark
     
  5. BigDaddyLH

    BigDaddyLH Tele Axpert Ad Free Member

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    I gotta point out: do you want to take healthcare advice from the same place that told you to stack your fuzz pedals?
     
  6. kingofdogs1950

    kingofdogs1950 Tele-Holic

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    I agree: get F or G. They will provide real coverage if/when you need help.

    Mark
     
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  7. thegeezer

    thegeezer Tele-Afflicted

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    True, but a few of us have spent a lifetime analyzing the financial side of these things for clients and have no skin in the game except how we cover our own Medicare needs.

    And, don’t stack OD pedals.
     
  8. BigDaddyLH

    BigDaddyLH Tele Axpert Ad Free Member

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    Well! A gentleman ... and a scholar!

    You maybe eminently qualified to give advice, but other may not. You see what I'm saying.
     
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  9. puddin

    puddin Tele-Holic

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    My baby sister sells corporate business insurance. She just texted me she was going part A, B and D.
    I think I over reacted, I'm mean, there are open enrollment times, every year with part C or D or stacking fuzzes..right
     
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  10. Danjabellza

    Danjabellza Friend of Leo's

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    I’m the director of rehab at a long term care center. We bill part A and part B all the time. I’ve never once heard anything about part C being used in this setting... not sure what it would be for.
     
  11. puddin

    puddin Tele-Holic

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    Medicare Part C is another name for MedicareAdvantage. Medicare Part C is administered by private insurance companies contracted with Medicare. Medicare Part C covers everything that Original Medicare (Part A andPart B) cover and may cover extra benefits as well.
     
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  12. t guitar floyd

    t guitar floyd Tele-Holic

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    There's open enrollment for stacking ODs, but I don't know about fuzzes.
     
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  13. schmee

    schmee Poster Extraordinaire

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    Just ignore all the mail etc. Look on line and parts C through F are explained. I found a grid that showed what each paid for via United Healthcare. It depends on how well you can deal with a major event financially I suppose. But I went for Part F additional coverage through United Healthcare over part C. Part F when I joined was $175 a month and covered EVERYTHING 100%, emergency room etc.. I havent had a copay or medical bill in 6 years. Had surgeries and expensive test etc. Zero out of pocket, Ziltch. Best insurance I've ever had really. So I figured heck I'd been paying over $500 a month prior to Medicare and getting hardly any real coverage. $175 is a steal.
     
  14. puddin

    puddin Tele-Holic

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    too funny..to much wine
     
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  15. puddin

    puddin Tele-Holic

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    Thank you for this info, and awareness
     
  16. thegeezer

    thegeezer Tele-Afflicted

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    Part A is hospitalization. It normally pays at 100%. Part B is for other costs: doctors, tests and so on. It pays 80% of those costs. Some providers accept that in full but not many. Part D is prescription coverage. The other Parts are supplemental plans designed, in a variety of ways, to cover the 20% not covered by Part B.

    All the Advantage options, like C, have the potential to incur out of pocket costs and deductibles, some substantial. Plan F does not have deductibles or co-pays. It will be phased out over the next few years however. G is it’s replacement and the next best thing with a relatively small annual deductible.

    Summary in a nutshell.
     
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  17. FerruleCat

    FerruleCat Tele-Holic

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    I set my Part G for edge of breakup, and then kick in the Part F for a dirty boost.
     
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  18. puddin

    puddin Tele-Holic

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    So much knowledge, thank you Sir..
     
  19. Stubee

    Stubee Poster Extraordinaire Gold Supporter

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    +1 on Thegeezer’s words.

    I researched this very heavily and have had Medicare A and B (of which you are automatically enrolled the month you turn 65) and a Plan D (prescriptions) and Medigap F. Four years in its been pretty damned good through several surgeries and my wife’s more mysterious ailments. I recommend a Medigap F if you can swing it and at least some degree of prescription plan.

    Also read up regarding sign up periods for policies you are interested in. IIRC you can not be turned down for some supplements like F if you apply during the enrollment period, but can be after that. This may have changed but is sure worth checking.
     
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  20. DrPepper

    DrPepper Tele-Afflicted

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    freeobamacare.com
     
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