Prism99

Thanks. I did ask him about going on dh's later. He said when dh retires, if my benefit on his is higher then I can get that benefit. I didn't know about the age 62 thing, but this guy pointed out that if I wait until age 66 instead of age 65, it would take me 14 years to break even on the total benefits received! So, I'm going to start taking my benefit now. Heaven only knows we could use the money.....

selfhunter

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lupee60

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

quilter1943

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.

Maralyn

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.

luce321

Just give Medicare a call and they will be glad to help you. 1-800 Medicare. Good luck.

montecarlo

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

Rose Marie

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.

romanojg

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

Annieflower

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.