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post #1 of 9 (permalink) Old 01-16-2008, 04:26 PM Thread Starter
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OK guys here goes and I'm not sure if it belongs here.
I am about to sign up for medicare. I was sent the official government package.
I will take part A and B. I need the chemicals for my diabetes and all the supplemental coverage to defray all or most cost accioated with going past 65 yr. old. Sussing through the .gov.org crap I am back at square one, that web page must have been designed by some person that went back with the "Mother Ship". Here is what I want as well as 200% of all Americans age 65 +.. What is the most and cheapest? Help me folks, I am old and slow..

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George II
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George Cole
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post #2 of 9 (permalink) Old 01-16-2008, 05:42 PM
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George,

While I don't have an answer for you like "Choose this..." I CAN tell you what my mom did. Not sure if you're near a city or which one, but most cities have a Senior Rights Advocacy group. Might be called something different in your area but the idea is the same. They almost always have people on staff whose sole mission it is in this life to help you understand which Medicare plans and options would be best for you. There are also usually many kinds of groups for seniors that could steer you toward this kind of service. My mom's 80th birthday is coming up this Saturday. She has had her share of medical issues as we all do as we get older. She recently had cataract surgery. And she's on oxygen at night for emphysema. But... it's taken care of. So her decisions about which plan and which options are working but she didn't do it alone. It was too darned hard to figure out.

Get some help. I don't think you'll be sorry.
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post #3 of 9 (permalink) Old 01-16-2008, 08:35 PM Thread Starter
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Thanks a ton.

I will suss out a group as I think we have something like that in the Atlanta area.

Thanks again for the direction forward.

George Cole


Quote:
Originally Posted by reikimaster
George,

While I don't have an answer for you like "Choose this..." I CAN tell you what my mom did. Not sure if you're near a city or which one, but most cities have a Senior Rights Advocacy group. Might be called something different in your area but the idea is the same. They almost always have people on staff whose sole mission it is in this life to help you understand which Medicare plans and options would be best for you. There are also usually many kinds of groups for seniors that could steer you toward this kind of service. My mom's 80th birthday is coming up this Saturday. She has had her share of medical issues as we all do as we get older. She recently had cataract surgery. And she's on oxygen at night for emphysema. But... it's taken care of. So her decisions about which plan and which options are working but she didn't do it alone. It was too darned hard to figure out.

Get some help. I don't think you'll be sorry.
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post #4 of 9 (permalink) Old 01-16-2008, 09:03 PM
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George I'm not retired but disabled with medicare and I get testing supplies for my diabetes threw medicare they usaully make you pay 15% of the cost. But in your case check with your state office of welfare they might be able to point you to the right direction for help with costs. Here in Pennsylvania they have a pace program to help out along with your medicare coverage might cost or not don't really know because I don't qualify for it myself. But I did hear they help some more towards you meds and testing supplies. Or check with aarp. Hope this helps I know where you are coming from on this issue.

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post #5 of 9 (permalink) Old 01-16-2008, 09:44 PM
 
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Till the day I stop breathing, I will never understand a system that makes you pay each and every paycheck all your life and then gives you nothing!
Whatever is the right path, I hope you find it, the paper work was designed by people who don't want to give you a penny
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post #6 of 9 (permalink) Old 01-17-2008, 05:37 PM Thread Starter
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Thanks guys..I was wondering if I were struck on stupid for not understanding the system..I now have a theory on why the SS office keeps you on hold for so long when you call...They hope you die while waiting so thy don't have to mess with you..

I know this will sound raciest but I do believe that most of the people who work for the Fed. Government and even state and local governments are actually poster children showing why equal opportunity doesn't work. I guess it is like going to jail...every one there wants to be your personal proctologist.

Thanks again guys. I will suss this out and come out the other side a better informed something..

Regards,
George Cole
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post #7 of 9 (permalink) Old 08-23-2008, 10:58 AM
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George, Although I take exception to some of your comments, I think you are spot on about the SS and the rest of the U.S. medical insurance industry. It seems to me that in practice there is a clause that reads "coverage shall remain in force until such time as a claim is filed. Payments shall continue be required." My current experience is that the preference is that the covered individual die so that a claim never need be paid. In my case I actually have in writing a statement that so long as I can get out of bed, go to the bathroom, and get back in bed, everything else is for the "comfort and convenience" of the individual or the caretaker, and therefore not covered.

No, you are certainly not stuck on stupid. I should stop now before I get very political. I wish you the best of luck, and I fear you need luck, in dealing with our so-called health care system.

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post #8 of 9 (permalink) Old 08-24-2008, 12:06 PM
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George,

I suggest you do opt for part "B", unless you feel like you are 17 and indestructable. Usually part A & B are taken together. Do not confuse them with Part D which is for prescriptions. There is no cheap version of medicare, unless you go for a managed care type medical insurance. They are paid directly by SS and basically cost you nothing other than the dedeuction from your SS payment each month. HOWEVER!!!!!there are different plans with many options that can add cost directly to you. My advice is to contact some of those reps and let them compete against one another, to your benefit and liking. Remember, there is no set rule for everybody.

Joe Z.

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post #9 of 9 (permalink) Old 08-28-2008, 01:08 PM
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Part A is automatic. Part B is up to you but for every year past 65 that you don't have part B, there is a penalty. I am retired and have Blue Cross from work but when I turned 65 Blue Cross informed that my primary insurance is now Medicare and they are the secondary. Under Medicare there is no co-pay or deductibles, but they will take off $93.60 a year for the Medicare premium and this comes off your Social Security. Since I retired from the Postal Service I am only entitled to $139 a month in Social Security because of my Federal pension. I can't have both like politicians and military retirees do.
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