How do people figure out Medicare parts to sign up for?
#61
Power Poster
Thread Starter
Join Date: Dec 2008
Location: Western Wisconsin
Posts: 12,930
Originally Posted by greenini
RE-early SS retirement benefits. Everything I have seen says if you are not working to begin collecting at 62 or in your case, now. We did that and DH began collecting as soon as he was eligible. Did the fellow say whether you can collect on your DH's account? There is something about being able to collect the higher benefit of your own or his. I'm not sure if it's only in case you are widowed...if the fellow gave you his number you might want to talk to him again.
#63
if i were you i would get on medicare a and b if u are 65 yrs old. your husbands insurance will be primary and medicare will be secondary and it will cover what medicare allows-- it wont hurt to have it and you will avoid problems in the future trying to get on it. just remember you must let your primary insurance and medicare know that you have other insurance. i work in a doctors office doing the billing and sometimes medicare picks up what the primary allows as the patients responsability if its a covered expense from medicare.
hope this helps.
lupee60
hope this helps.
lupee60
#64
If you get the AARP magazine there was a good article in there this month about signing up for Medicare. It came in today's mail here. Maybe if you go to their web site the information would be there also.
#65
Senior Member
Join Date: Oct 2010
Location: Iowa
Posts: 911
I was counting the days when I could sign up for Medicare (turning 65 in August) when lo and behold my Medicare card arrived in the mail. Seems that if you are already collecting Social Security, which I have been since age 62, they send you the card and then it's up to you to tell them if you don't want it.
Now waiting to see my insurance agent to sign up for my supplemental policy. I don't think I need Part D, because all my drugs are generic, but I don't think my husband will let me get away with that.
As I have been paying $510 a month for coverage this year, it will be a relief to get by with Medicare and Supplement premiums.
Now waiting to see my insurance agent to sign up for my supplemental policy. I don't think I need Part D, because all my drugs are generic, but I don't think my husband will let me get away with that.
As I have been paying $510 a month for coverage this year, it will be a relief to get by with Medicare and Supplement premiums.
#67
Member
Join Date: Nov 2012
Posts: 4
i think you need some help from someone who could really explain to you the Medicare coverage.
When my mom experienced a chronic illness and we were disappointed because we received very minimal help from Medicare. this is why we decided to invest in long term care ins
When my mom experienced a chronic illness and we were disappointed because we received very minimal help from Medicare. this is why we decided to invest in long term care ins
#68
Super Member
Join Date: Aug 2007
Location: Clay Springs AZ
Posts: 3,229
I am 73 so have had medicare for awhile. Really liked Secure Horizons but it is not available where I live and had to change to United Healthcare. I have to pay part of my office visits and specalists visits. $ 45 for specialists.
Im still upsett over Bushes part D. Drugs were covered by part B and it was great. Now it is complicated, has a donut hole, and different drugs are divided by different companies as to which ones they cover. He also made sure that medicare could not get lower priceing like most private companies can do.
Im still upsett over Bushes part D. Drugs were covered by part B and it was great. Now it is complicated, has a donut hole, and different drugs are divided by different companies as to which ones they cover. He also made sure that medicare could not get lower priceing like most private companies can do.
#69
Super Member
Join Date: Dec 2010
Location: Norfolk, VA
Posts: 5,397
Good luck. My ex is retired from the military but still works and when he became elegible even though he had a secondary insurance under his wife he was told if he didn't sign up he'd lose all benefits and even started getting medical bills because Tricare wouldn't pay. He didn't have the choice of signing up or not. Sounds like you need to be able to sit down and talk to someone
#70
You don't have to sign up for Medicare and they will send you a card. I buy my own insurance which is quite costly due to job loss but I will be going on Medicare in March 2013. I have BlueCross & Blue Shield of Ohio and I contacted my agent. The best supplemental plans are Government Medigap Plans and I chose Medigap F. It covers all the deductables and there are no extra out of pocket expenses. I did sign up on the Medicare.gov sight through Walgreens for their pharmacy plan. They seem to be the best. The government will automatically take $99 (?) out of your social security check along with an automatic withdrawal from the bank for the supplemental insurance. I sure hope this helps and I too am looking ahead. I don't belong ot AARP and they still send applications.
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