Medicare enrollment before Dec 7th. Additional plans, costs and penalties.

[THAT Gurl]

I pay way more in than I’ll ever get... I’d be far better off investing that money myself. But it’s to pay for others... socialism.

It's the same for all of us. My payments while I was working paid for someone else's Medicare and Social Security. Now I'm old enough to collect the benefits I PAID FOR but because the government has already spent that money they are just rolling the ponzi scheme forward. It's NOT socialism. It's robbery. I got robbed, he got robbed, she got robbed, you got robbed.

 

[Snattlerake]

Are you asking if you can enroll in Part D while on your wife's plan?

I was told if I do the wife's plan will drop me from their coverage an I can never ever get back on.

 

[OKNewshawk]

I live about two miles from Mercy north in OKC You think they have Community Care? I know the place well. They call me by my first name in the ER.

I know it's not in OKC--that's why I said you should see if there's a similar company there.

 

[JD8]

I was told if I do the wife's plan will drop me from their coverage an I can never ever get back on.

So to get on Medicare part D (drug), you have to enroll in Medicare A and Part B.

• Part A provides inpatient/hospital coverage.
• Part B provides outpatient/medical coverage.
• Part C is "medicare" advantage.
• Part D provides prescription drug coverage.

When you enroll in Part A and B.....and eventually Part D, then your wife's insurance will undoubtedly kick you off, that is correct. When someone enrolls in part A and B it all triggers from there. If they are covered by a traditional individual Healthcare plan, an employer plan, an ACA plan.....then they will get kicked off and yes it's true you cannot get back on. If you get Medicare A+B+D + a supplement you'll have better coverage, have a lower deductible, get a wider network, and cost will be cheaper.

Talk to a broker/advisor in your area. If they are really pushing Medicare advantage, remember what I said and consider they make a considerable upfront commission for selling those from the insurance carrier. A good advisor will show you all options and explain the pros and cons of them all.

 

[JD8]

Can you explain this to me?? I'm covered by Grumpy's insurance at work but we are finding out they do not offer benefits I need now -- like home health care and in-home PT. I really have no clue how all this works. If I sign up for a supplemental plan would I be able to use all three plans?? Or would I just be paying more for something that would be denied as pre-existing now -- or non-coverable because it was denied my what is considered my primary insurance policy??

Are you eligible for Medicare?

 

[THAT Gurl]

Are you eligible for Medicare?

Yes. BlueLincs HMO is my primary, and also provides Rx coverage. Medicare (A and B) is my secondary. (Grumpy's employer has more than 150 employees.)

How is it that Snattlerake's wife's insurance will dump him but I've been covered by both like this with no issues?? This whole thing is driving me crazy. I'm not the smartest kid in the yard but I'm not the dumbest either.

 

[JD8]

Can you explain this to me?? I'm covered by Grumpy's insurance at work but we are finding out they do not offer benefits I need now -- like home health care and in-home PT. I really have no clue how all this works. If I sign up for a supplemental plan would I be able to use all three plans?? Or would I just be paying more for something that would be denied as pre-existing now -- or non-coverable because it was denied my what is considered my primary insurance policy??

99 times out of 100 you'd be better off getting on Medicare. Realize it's one or the other.... you cannot be on his and medicare or any type of medicare supplement.

I'm not sure what you're on with his plan but.... I'd start looking at the medicare.gov website on your PT, In home care needs.

https://www.medicare.gov/Pubs/pdf/10969-medicare-and-home-health-care.pdf

https://www.medicare.gov/

Concerning "pre-existing" conditions. When you enroll in Medicare you are not underwritten AND if you go with a supplemental they HAVE to take you by law on your initial enrollment period. This will change down the road if you change supplemental insurance.

 

[THAT Gurl]

99 times out of 100 you'd be better off getting on Medicare. Realize it's one or the other.... you cannot be on his and medicare or any type of medicare supplement.

I'm not sure what you're on with his plan but.... I'd start looking at the medicare.gov website on your PT, In home care needs.

https://www.medicare.gov/Pubs/pdf/10969-medicare-and-home-health-care.pdf

https://www.medicare.gov/

Concerning "pre-existing" conditions. When you enroll in Medicare you are not underwritten AND if you go with a supplemental they HAVE to take you by law on your initial enrollment period. This will change down the road if you change supplemental insurance.

Ahhhh!! Ok ... THAT is what I was missing. Thanks a ton!! I think ...

Are they considering his insurance a supplemental policy for me?? Because I've been covered like this for several years -- and by more than one insurance company -- and no one has EVER said I couldn't do it this way ... Or that we were doing anything wrong.

Not his employer, no private insurer, not Medicare ... Nobody.

 

[JD8]

Ahhhh!! Ok ... THAT is what I was missing. Thanks a ton!! I think ...

Are they considering his insurance a supplemental policy for me?? Because I've been covered like this for several years -- and by more than one insurance company -- and no one has EVER said I couldn't do it this way ... Or that we were doing anything wrong.

Not his employer, no private insurer, not Medicare ... Nobody.

Are you on disability? IF so it's a totally different scenario and has a different set of rules than those turning 65 and a ton of variables. PM me if needed.

 

[THAT Gurl]

Sorry @Snattlerake didn't mean to hijack your thread.