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Thread: How do people figure out Medicare parts to sign up for?

  1. #1
    Power Poster Prism99's Avatar
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    I have to do that and have no one around to ask. Printed out something like 163 pages of the Medicare Handbook. Am I dumb or what? Very difficult to figure out.

    My husband still works and we have a health coverage plan from his workplace (large company). It looks like I should sign up for Part A and just wait on Part B until he retires or gets laid off. We are both pretty healthy and don't need a lot of drugs, so Part D is out.

    I can't believe nobody else gets confused about this stuff. It makes me feel really dumb.......

  2. #2
    Moderator Up North's Avatar
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    Do you have a walgreens? They advertise that they will help
    or a senior center

  3. #3
    Power Poster erstan947's Avatar
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    I wish I could help but I'm far dumber and not quite 65 yet.

  4. #4
    Power Poster amma's Avatar
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    I ended up with a headache trying to figure this all out. :roll:

    First, ask DH's insurance company if they will still cover you and explain that you are going on Medicare.

    The supplemental insurance may not be necessary if you can still be covered by DH.

    Part D is for prescriptions, which again, may not be necessary if you are already covered.

    Typically, Medicare does not cover as much as the other insurance I have had in the past. There are many things they do NOT cover at all, and what they do? is a much smaller percentage.

    The supplemental insurances will not pay a penny towards a bill, if Medicare doesn't atleast pay a dollar of it :roll:

    Your pharmacist is a good person to talk to about Part D. If you don't sign up during a certain time frame, you have to wait for open enrollment.

    As to Medicare itself? You can try finding someone at your local senior center, or another local agency to help you with your questions :D:D:D

    I have found calling Medicare was as confusing as reading their manual. They read the answers to your questions from it LMBO

  5. #5
    Super Member psychonurse's Avatar
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    my hubby is retired, and i keep him on my insurance at work, as it is cheaper than medicare. if i lose my coverage he could sign up then for medicare as it would be covered under
    one of those clauses. NOw i for got the name, dang/
    you can talk to his human resource ppl for futher information
    also.
    also call your local hospital senior care dept they may have someone knowledgeable to help..

  6. #6
    Super Member Qbee's Avatar
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    Yeppers.....go to your pharmacist. Each company covers different meds differently. Your pharmacy knows what meds you take, how they are currently covered, etc. and can help you decide which is best for you. Good luck!! :D

  7. #7
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    Years ago my late DH and I went to the local Senior Center when they had experts come in and explain about health coverage. At that time we were both very healthy. We finally went with Blue Shield of CA, and later as DH became sick, Blue Shield paid for his operations and hospitalizing with absolutely no quibbling. I still have it although I've not used it for many years, but since I'm 77 I feel that it is worth it paying that much every month. One single hospital visit could cost more than years of paying for insurance.

    Be very careful which one you get. I'll agree that you should go to the local Senior Center to get lots of ideas on what to do, right now before you need it. Check with doctors' office managers to see if they take whatever one you want to check on, and find out what they do and do not pay for. This might surprise you, considering that lots of doctors take this and that, but this and that might not all pay for the same things.

    My sister was going to change from the one I have, and asked at the hospital where she volunteers if they take the one she was thinking of changing to. They told her yes, they took it, BUT it didn't pay for much at all and not as much as Blue Shield does. That little point hadn't been made clear in the other companies' fancy meeting she had gone to.

  8. #8
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    You automatically get part A when you turn 65. You sign up for part B when you no longer have work insurance and you don't have to sign up for part D. It's kinda thrown in...LOL. I started drawing SS when I turned 62 and had to furnish all my ins. since I was no longer working. At 65 I now get medicare part A&B, but it's kinda turned over to Humana and they are my suppliment ins. now. I pay only $28 a month as I need little dr. care during the year...I hope. I f my health fails I will get the $98 policy. They cover everything. Hope this helps....Glenda

  9. #9
    Senior Member ThreadHead's Avatar
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    I have Humana, I pay the 98.00 out of SS. I don't pay for anything. Only thing I would have to pay is 20.00 for emergency room visit if I needed it. I have diabetes, and see the doctor every four months for blood work, doctor check up once a year. No co-pays, No blood work payment, nothing.
    Syl

  10. #10
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    As long as you are covered under your husband's policy you don't have to sign up for anything. You can always change that as long as you stay insured as long as dh has coverage. There's a box somewhere on the form to not accept coverage because your spouse is still employed and you are covered under his plan. You will still get a silly little card for Part A from them in a few weeks. But you do not pay for anything and have no coverage. Can you believe all the crapola you've gotten in the mail once you get close to the magic age. If they came with return stamped envelopes, I folded everything neatly stuffed in the envelope and sent it back - asking them to remove us from their mailing list. Now if I can just get off the dumb AARP mailing list!!!

  11. #11
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    We have an 'Office for the Aging' here that helps with things like that. They helped me get additional coverage to fill in the blanks. Please don't feel bad. I went there because I was as confused as you. I just don't deal well with all that stuff.

  12. #12
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    Find out if your husbands ins will cover you if you are eligible for medicare they may only cover for the 20% that a suplement would pay

  13. #13
    Senior Member GrannyW5's Avatar
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    It is difficult to know what to choose. We are going through that with my DH now and we were going to choose Secure Horizons or Today's Option. Then our neighbor was just diagnosed with esophageal cancer and he tried to get into several cancer centers and they would not accept his insurance(Secure Horizons). Now we are not sure what to do. Is it better to stay with medicare and pick up a supplement instead of going with one of the advantage plans??

  14. #14
    Super Member EagarBeez's Avatar
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    You automatically get Part A when you start collecting Medicare. Find out what your husbands policy pays for you. If you won't be covered under your husbands policy, you can either choose Medicare part B, How Much Does Part B Cost?
    If you have Part B, you pay a Part B premium each month. Most people will pay the standard premium amount. Social Security will contact some people who have to pay more depending on their income. If you don't sign up for Part B when you are first eligible, you may have to pay a late enrollment penalty.

    You need to have part B in order to get a suppliment.
    I currently have an Advantage Plan. I pay my medicare payment, but, it pays a portion of it to my advantage plan which is Secure Horizon. To me this pays better then straight medicare. I am on a budget, so this works for me

  15. #15
    Super Member greenini's Avatar
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    Under DH's plan, I HAD to sign up for Medicare and so did he. Due to disability, I was on it before he was, even tho I am younger.Please call your husband's Human Resources department and find out what the company policy is. Otherwise, you might wind up with no coverage. Our's is set up as if you signed up for Medicare, so if you don't sign up, they won't pay anything. Once you sign up, the company acts as secondary payer. Ours goes thru BC/BS but is self insured. Please make sure you check up on this right away as some of these things are time sensitive. Good luck.

  16. #16
    Power Poster Prism99's Avatar
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    Well, I went ahead and applied for Medicare Part A online. I'll have my husband ask at work about our health care coverage. I think it will remain the same for this calendar year; most likely when we make our elections for next year they will want information about my Medicare coverage. I'm just not seeing a reason to add Part B yet, as there seems to be an 8-month period after work ceases for "open enrollment".

    I don't understand why it has to be so complicated!!!

  17. #17
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    I've been told Senion Citizens centers help and that they have free lawyers??? ONLY heard:::: My daughtr helped me, praise the lord... :)

  18. #18
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    I do not understand to explain mine in full.. I do know I do not even have to pay a co-pay and I do not have to be seen by a Dr. to see a specalist... For medication. I went with wal mart... aftr $350.00 in a year I then only make a co pay for meds the rest of the year... (no lids) I pay nothing for ER or hospital stays. Yes, SSA takes out and I pay $113.00 out of pocket a month for second coverage. It's 100% ....

  19. #19
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    Quote Originally Posted by cheryl rearick
    I do not understand to explain mine in full.. I do know I do not even have to pay a co-pay and I do not have to be seen by a Dr. to see a specalist...
    me too, with medicare, i pay no co-pays to see the Doc. they cover them.what my husbands insurance does not cover is co-pays. that is $20 a visit i save.
    i send away for the 3 month/90 day prescriptions..it saves me a bundle. i think it is medco, but your company has to be a member.
    i know, through friends, that sams club and walmarts have cheaper meds. and cheaper if you have no script coverage at all.

  20. #20
    Member lnlwhitt's Avatar
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    I work insurance every day and when my husband signed up this year I was amazed at how confusing it was. The only advice I will give you is if you don't need Part B yet because of other ins then you can wait but be sure to sign up as soon as it ends because if you wait you are charged a higher medicare premium each month for the rest of your life. The same thing applied to part D unless your husband has prescription coverage if you wait to sign up later you will be penalized each month forever. I didn't know that about part D and almost messed it up. Wow!!

  21. #21
    Junior Member selfhunter's Avatar
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    I still work and both my husband (he is retired) and myself have my insurance through my employer. That is our primary insurance and we both have Medicare Part A and Part B. Part B acts as secondary insurance until I retire. It picks up a lot of co-pay for us

  22. #22
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    Humana has an advantage insurance. It is really good. You only submit one bill to Humana and they take care of the medicare part. It is worth speaking to a representative, who can tell you what you need based on your personal situation.

  23. #23
    Power Poster nativetexan's Avatar
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    I will say also how much more you pay depends on if the Doctors you see take Medicare. Our Doctor doesn't contract with Medicare so he never writes anything off-we pay the difference.

  24. #24
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    My pharmacy has a sevice to help. I will definetly be seeing them,as Im dumber than a brick about that stuff.

  25. #25

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    That's right you sign up for Part A. But there should be a phone # When they send you your Medicare card that you can call w/questions.

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