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General Category => Health Discussion => Topic started by: LPS on October 10/23/21, 08:26:14 AM

Title: Medicare supplements
Post by: LPS on October 10/23/21, 08:26:14 AM
On my third year of retirement.  I have had Humana for my supplement and has been just fine for me.  My Ins Agent steered me to it cuz BC BS had a deductible for meds that I think was $100 or $200 a year.  ???  Also they weren't as good on dental and eye Dr things.  Well my agent called me and said that BC BS has gone away from the deductible and improved their eye and dental coverage and it is now $10 a month cheaper than Humana.  I will be switching to BC BS in January and thought I should mention it so you guys could check with your agents and see if it works for you. 
Title: Re: Medicare supplements
Post by: glenn57 on October 10/23/21, 08:34:36 AM
is that through medicare LPS?????????

i need to start thinking about it too.........i currently have INS throug ht the union yet.......until i turn 65!!!!! thats next sept!!!!!!!
Title: Re: Medicare supplements
Post by: LPS on October 10/23/21, 08:40:59 AM
No.  You will get Medicare but then also need a supplement to cover things that Medicare does not cover.  Usually about $100 a month.  Your Medicare Part B is automatically taken out of your SS check before you receive it.  Medicare Part A is usually free to us. 
Title: Re: Medicare supplements
Post by: glenn57 on October 10/23/21, 08:50:41 AM
No.  You will get Medicare but then also need a supplement to cover things that Medicare does not cover.  Usually about $100 a month.  Your Medicare Part B is automatically taken out of your SS check before you receive it.  Medicare Part A is usually free to us.
:happy1: thanks.......thought so.

the wife is covered under medicare as she's on disability SS. we currently dont have eye or dental coverage. she did have to change providers for her meds. wasnt a big deal though.

i've played around with the math a few times at eye and dental coverage. just using your $100 figure, thats $1200 a year. we dont spend that much on those services. i know things happen, but....................
Title: Re: Medicare supplements
Post by: LPS on October 10/23/21, 09:01:16 AM
It covers more than that Glenn.  The eye and dental is just a small part of it.  It covers what Medicare doesn't in Dr. visits, hospital visits etc.  Pretty important to have.
Title: Re: Medicare supplements
Post by: glenn57 on October 10/23/21, 09:04:15 AM
It covers more than that Glenn.  The eye and dental is just a small part of it.  It covers what Medicare doesn't in Dr. visits, hospital visits etc.  Pretty important to have.
i'll need to look into it.  i really dont have an agent though........ :confused: :scratch:
Title: Re: Medicare supplements
Post by: Gunner55 on October 10/24/21, 06:06:16 AM
Mine is actually an AARP/Medicare Advantage Plan through United Healthcare, no premium it just cost me $45 for 3 years to belong to AARP. I have some dental & it would be better if my dentist was in their network. My vision coverage is a free exam & $200 towards new glasses every 2 years.  My meds are cheap, $2.81/90 days last time at WM, as I only need generic BP meds so I pay for them out of my pocket. Mainly just so I can get them whenever I want & not when my insurance company says it's OK. Don't save much going the other way anyway. Everything preventative like my yearly check up is covered. I'm not sure they have my plan up here but I checked before signing up for it, both DR & Big Fork accept my plan.  :scratch: Who has your house & vehicles, glenn? 
Title: Re: Medicare supplements
Post by: glenn57 on October 10/24/21, 09:08:51 AM
house is American Family.......vehicles are progressive.

thinking i might just call my current health care insurance and question them????????
Title: Re: Medicare supplements
Post by: deadeye on October 10/24/21, 09:19:32 AM
Medicare
A = standard no charge hospitalization.
B = General medical needs everyone pays the $144 more or less
C = Used to be "advantage" now often call part "C" Ucare, Blue Cross, United Health and others basically replaces A and B. 
D = Drugs.  Most C plans have drug, dental and vision options.

I'm always leery of an agents recommendation as there is the "what's in it for him" concern. Does he get more kick back from one company.

I have one recommendation when it comes to selecting Medicare Options.  Do tons of research as there are tons of options for any situation.
Title: Re: Medicare supplements
Post by: glenn57 on October 10/24/21, 09:27:45 AM
i'm currently not eligible for medicare till next sept, but my wife is on medicare through United health i believe. she has prescription but not dental or vision. she i believe is also through the union plan but needed both part A & B.

like i said earlier, when i did a bit of checking on dental and vision, i'm not sure if the math adds up to justify what we would use, especially dental.   :scratch: :scratch:
Title: Re: Medicare supplements
Post by: Gunner55 on October 10/24/21, 09:42:09 AM
That's exactly what I did, looked at the options available to me where I live & signed up for the 1 that I thought best suited my needs. No agent involved.  :scratch: https://shop.humana.com/medicare-plans/ad/compare-ma-plans?kc=0300030822&cm_mmc=PPC-Medicare-DR-MSN-_-PPC-Medicare-DR-MSN-_-Siteli the 1 on the right is pretty comparable to mine.
Title: Re: Medicare supplements
Post by: fishwidow on October 10/24/21, 07:43:41 PM
Researched Medicare Advantage plans last year when my wife turned 65. Looked at some of the well known names like Ucare, BCBS, Healthpartners,and Medica as well as some other lesser known ones. They all seem to have several plans at different levels of copays and deductibles at different costs, depending on the level of those things provided by the individual plan.
We settled on AetnaAllina. The premiums were $46 per month. They did not have any direct dental or vision coverage, but have a reimbursement that is more than adequate to cover routine dental checkups, cleaning and X-rays and routine eye exams and allowances for glasses and contact lenses.
 They also provided up to $36.00 per month for over the counter medications and supplements. That’s a partnership deal with CVS and you can get toothpaste, bandages, cough medicine, vitamins, bug spray, sunblock, and lots of other commonly used over the counter stuff delivered to your house with no additional cost. Taking that into consideration the net outlay of premium minus the $36.00 drug allowance amounts to $10.00 per month.
We’ve also been very pleased with our out of pocket cost of any medical visits.  We had two cataract surgeries and an examination for a retinal tear.

The 2022 plan shows a $1.00 per month increase in premiums and the drug allowance sill be dropped to $100.00 per quarter.

Our choice took into account that we are pretty healthy.

We tried the agent route and had one come for a visit, but they could not tell us anything more than we found out with our own research. They did make sort of a halfhearted attempt to steer us to more expensive plans.
Not sure that this would be a good plan for northern folks. That market seems pretty well covered by Essentia and Sanford.

I will say this—the advertising and direct mail for all of these plans sure is good for the paper industry snd the printers.
Title: Re: Medicare supplements
Post by: Gunner55 on October 10/24/21, 09:12:35 PM
I have something similar with mine for OTC but it's a partnership with WM. I can get $60 every 3 months with mine. Yeah, if you give them your name & address  :tut: you can expect to keep your USPS delivery person busy.  :crazy: :pouty:
Title: Re: Medicare supplements
Post by: snow1 on October 10/25/21, 08:50:53 AM
Medicare/carriers sure is pounding the t.v. commercials,it drives me crazy,gotta be very expensive these add's on at prime time telle.
Title: Re: Medicare supplements
Post by: snow1 on October 10/25/21, 08:57:37 AM
Medicare
A = standard no charge hospitalization.
B = General medical needs everyone pays the $144 more or less
C = Used to be "advantage" now often call part "C" Ucare, Blue Cross, United Health and others basically replaces A and B. 
D = Drugs.  Most C plans have drug, dental and vision options.

I'm always leery of an agents recommendation as there is the "what's in it for him" concern. Does he get more

 kick back from one company.


Once again ,good information  D.E.

thanx

I have one recommendation when it comes to selecting Medicare Options.  Do tons of research as there are tons of options for any situation.
Title: Re: Medicare supplements
Post by: glenn57 on October 10/25/21, 08:57:53 AM
Medicare/carriers sure is pounding the t.v. commercials,it drives me crazy,gotta be very expensive these add's on at prime time telle.
i've had that same thoughts for alot of years with ALL the insurance companies and there advertising.  :censored: :doah:

they got that much money to spend on advertising, there charging me to much money!!!!!!! :pouty:
Title: Re: Medicare supplements
Post by: Gunner55 on October 10/26/21, 04:16:47 PM
 :tut: :violin: :violin: :violin: :cry: :cry: :cry:            :pouty:                   :sleazy: :nerd:  :nerd::evil:
Title: Re: Medicare supplements
Post by: glenn57 on October 10/26/21, 05:17:25 PM
:tut: :violin: :violin: :violin: :cry: :cry: :cry:            :pouty:                   :sleazy: :nerd:  :nerd::evil:
:mooning: :mooning: :mooning:
Title: Re: Medicare supplements
Post by: Leech~~ on October 10/26/21, 05:59:09 PM
Medicare/carriers sure is pounding the t.v. commercials,it drives me crazy,gotta be very expensive these add's on at prime time telle.

My wife just retired from Medica. I told her the same thing about all the ad's on TV during the day.  She said it's end of the year and a new sign up and change benefits cycle?  :confused:
Title: Re: Medicare supplements
Post by: Gunner55 on October 10/26/21, 06:14:54 PM
 :scratch: It's called Open Enrollment & happens every year, typically from ~ 11/1-12-15. https://www.verywellhealth.com/what-is-open-enrollment-1738755#:~:text=Open%20enrollment%20is%20a%20period%20of%20time%20each,disenroll%2
Title: Re: Medicare supplements
Post by: glenn57 on October 10/26/21, 06:18:04 PM
Yep even at most if not all places of employment.
Title: Re: Medicare supplements
Post by: Cooperman on October 10/27/21, 08:48:54 AM
house is American Family.......vehicles are progressive.

thinking i might just call my current health care insurance and question them????????

Glenn give “Dyn-O-mite!” A call
https://youtu.be/S6eAWX9qUEM
Title: Re: Medicare supplements
Post by: Rebel SS on October 10/27/21, 09:02:21 AM
 :rotflmao: :rotflmao:
Title: Re: Medicare supplements
Post by: glenn57 on October 10/27/21, 09:05:02 AM
 :rotflmao: Yea your alot of help coopy!! :confused: :rotflmao:
Title: Re: Medicare supplements
Post by: Gunner55 on October 10/27/21, 05:29:55 PM
 :happy1: :rolleyes:  :rotflmao: :rotflmao:
Title: Re: Medicare supplements
Post by: glenn57 on March 03/08/22, 08:52:31 AM
so i got a letter in the mail yesterday that seems somewhat ligit regarding medicare. its from pennsylvania ave in DC???????

i turn 65 in sept.........how soon did you guys start looking into this??????? for the record my wife has been on it for a while and has no agent and seems to be going smoothly. she doctors alot and we get some bills but not break the bank kinda bills!!!!!

when did you guys  start inquiring about medicare????? i am of the belief we dont need an agent, buti may talk to one about it. her maintence meds seems to be covered to the extent through mail order...............
Title: Re: Medicare supplements
Post by: mike89 on March 03/08/22, 08:58:43 AM
I think her medicare is different than yours but not sure...  disability SSI is what I'm talking about...
Title: Re: Medicare supplements
Post by: glenn57 on March 03/08/22, 09:01:59 AM
I think her medicare is different than yours but not sure...  disability SSI is what I'm talking about...
she has both part A & B?????????

in a couple weeks i'm going to head down to the union hall to question what the brass knows about it from dealing with other retirees......but i'm thinking i need to have a conversation with either our pension dept and/or SS dept!!!!

i'd rather have all mt ducks in a row early then scramble!!!!!! :doah: :scratch:
Title: Re: Medicare supplements
Post by: Gunner55 on March 03/08/22, 09:13:19 AM
I think her medicare is different than yours but not sure...  disability SSI is what I'm talking about...
Yeah, Supplemental Security Income (SSI) is different from Social Security. It's funded by the government & not by the taxes you pay while working. https://ssabest.benefits.gov/benefits/supplemental-security-income-(ssi)
Title: Re: Medicare supplements
Post by: Gunner55 on March 03/08/22, 09:32:56 AM
 :scratch: As far as SSI & Medicare &/or Medicaid: https://www.ssa.gov/ssi/text-other-ussi.htm#:~:text=Medicaid%20is%20linked%20to%20receipt%20of%20SSI%20benefits,benefits%20if%20they%20a
Title: Re: Medicare supplements
Post by: LPS on March 03/08/22, 11:17:15 AM
I just stopped in at an agent here in town and he took care of me.  They get paid from the companies so I don't think there is actually a charge to you for using an agent.  I just picked up some pills and the copay was 0.  I have BC BS now for my supplement.  Had Humana and they were just fine too.  Costs me about $85 a month and that includes the drug thing.  The cost for the main Medicare program comes right out of your SS check.  About $120 a month I think.
Title: Re: Medicare supplements
Post by: glenn57 on March 03/08/22, 11:23:41 AM
as of right now my ins is taken out of my pension checks. i will assume that when i turn 65 years smart  :rotflmao: :rotflmao: that will return to my pension deposits. and the medicare will then be taken from SS??????? i gotz lotz of questions................ :rolleyes: :doah: :scratch:
Title: Re: Medicare supplements
Post by: Leech~~ on March 03/08/22, 01:32:03 PM

Got to start looking at all the crap coming up. Not sure why someone doesn't come up with a MedSoup like a CarSoup so you can look at and compare all the best plans and costs in one place!!  :doah:  :bonk:
Title: Re: Medicare supplements
Post by: Gunner55 on March 03/08/22, 06:04:53 PM

Got to start looking at all the crap coming up. Not sure why someone doesn't come up with a MedSoup like a CarSoup so you can look at and compare all the best plans and costs in one place!!  :doah:  :bonk:
:scratch: https://www.medicare.gov/plan-compare/#/?lang=en&year=2022  If you go to private company's website & give them ANY personal info get ready to get mail from them for close to a year. :doah:
Title: Re: Medicare supplements
Post by: Gunner55 on March 03/08/22, 06:15:40 PM
 :scratch: After the 5.9% raise in SS everybody got after 1/1, which Medicare got almost 1/2, they take $170/month out of my check.
Title: Re: Medicare supplements
Post by: mike89 on March 03/08/22, 07:29:30 PM
:scratch: After the 5.9% raise in SS everybody got after 1/1, which Medicare got almost 1/2, they take $170/month out of my check.

yuppers :pouty:
Title: Re: Medicare supplements
Post by: deadeye on March 03/09/22, 07:20:05 AM
LPS says "They get paid from the companies so I don't think there is actually a charge to you for using an agent."  On the surface that's probably correct. However, if you were a salesman and worked for two companies one pays you $100 for each client you signup and the other pays $200 which policy/company would you push... Just saying.
Title: Re: Medicare supplements
Post by: Gunner55 on March 03/09/22, 07:23:33 AM
 :happy1:  :scratch: :doah:
Title: Re: Medicare supplements
Post by: deadeye on March 03/09/22, 07:29:47 AM
glenn57,  Here's the basic info on Medicare part A, B, C, D.  The good thing is you have time to work it out. I think you can (and everyone should) signup for Medicare Part "B" 3 months before and after your 65th birthday. 

Social Security and Medicare are both programs that are household names, but do you know the true difference? Both programs help safeguard millions of Americans as well as improve the quality of life for their family and friends. While Social Security offers retirement, disability, and survivors benefits, Medicare provides health insurance.

Medicare is our country’s health insurance program for people age 65 or older and younger people receiving Social Security disability benefits. The program helps with the cost of health care, but it doesn’t cover all medical expenses or the cost of most long-term care.

When you first enroll in Medicare and during certain times of the year, you can choose how you get your Medicare coverage. There are 2 main ways to get Medicare:

Original Medicare

Original Medicare includes Medicare Part A (Hospital Insurance) and Part B (Medical Insurance). If you want drug coverage, you can join a separate Part D plan. To help pay your out-of-pocket costs in Original Medicare (like your deductible and 20% coinsurance), you can also shop for and buy supplemental coverage. Examples include coverage from a Medicare Supplement Insurance (Medigap) policy, or from a former employer or union.

Medicare Advantage (also known as Part C)

Medicare Advantage is an “all in one” alternative to Original Medicare. These “bundled” plans include Part A, Part B, and usually Part D.  Part C plans may have lower out-of-pocket costs than Original Medicare.  They also may offer extra benefits that Original Medicare doesn’t cover — like vision, hearing, dental, and more.

If you can’t afford to pay your Medicare premiums and other medical costs, you may be able to get help from your state. States offer programs for people eligible for or entitled to Medicare who have low income. Some programs may pay for Medicare premiums and some pay Medicare deductibles and coinsurance. To qualify, you must have limited income and resources.
Title: Re: Medicare supplements
Post by: LPS on March 03/09/22, 07:31:18 AM
LPS says "They get paid from the companies so I don't think there is actually a charge to you for using an agent."  On the surface that's probably correct. However, if you were a salesman and worked for two companies one pays you $100 for each client you signup and the other pays $200 which policy/company would you push... Just saying.

He switched me from Humana and to BCBS and I saved 10-15 bucks a month and got better coverage so was a win for me.
Title: Re: Medicare supplements
Post by: glenn57 on March 03/09/22, 09:08:26 AM
 :happy1: :happy1: :happy1: thanks deadeye....... now its not nearly as clear as mud!!!!!!!! :rotflmao:

actually helped alot!!!!!!!!!! :happy1: :happy1:
Title: Re: Medicare supplements
Post by: Dotch on March 03/09/22, 10:31:58 AM
After seeing my wife struggle to get signed up (with COVID & every other excuse they can dream up not to help, the Austin SS office is worthless as tits on a boar), I'm gonna get started a lot sooner than she did on the project. I'll be 64 in a few weeks. 
Title: Re: Medicare supplements
Post by: mike89 on March 03/09/22, 12:31:44 PM
good idea!!  I started 6 months ahead of time...   :happy1:
Title: Re: Medicare supplements
Post by: glenn57 on March 03/09/22, 12:50:23 PM
i'll be starting my inquiries next week!!!!!!! :happy1: :happy1:
Title: Re: Medicare supplements
Post by: roony on March 03/09/22, 12:58:21 PM
I'm nearly 67 but my wife is 5 years younger so I will keep getting insurance through work until she is eligible for Medicare. I'm thinking we should start talking with the SS people about 8 months in advance to make sure our ducks are in a row.
Title: Re: Medicare supplements
Post by: Leech~~ on March 03/09/22, 01:22:29 PM
After seeing my wife struggle to get signed up (with COVID & every other excuse they can dream up not to help, the Austin SS office is worthless as tits on a boar), I'm gonna get started a lot sooner than she did on the project. I'll be 64 in a few weeks.

I got an ace in the hole.  My wife retired last August so she went through it all plus she worked at Medica for about 17 years and understands the whole Health care deal!  I'm just going to act dumb and say Honey, what do I do?   :confused:   :happy1: :happy1:
Title: Re: Medicare supplements
Post by: LPS on March 03/09/22, 03:55:38 PM
My wife checked for me Glenn.  I was paying $105 a month for Humana and they were great.  The reason my agent called was because BCBS improved their coverage and made their drug part better plus it went down in price so I now pay $86 a month.  I was worried that those supplements may be 2 or 3 hundred so was pleasantly surprised how affordable it is.  AND that is through an agent here in town that I had never done business with before.  He set it all up and I came in a few days later and signed the dotted line. 
Title: Re: Medicare supplements
Post by: glenn57 on March 03/09/22, 04:18:52 PM
My wife checked for me Glenn.  I was paying $105 a month for Humana and they were great.  The reason my agent called was because BCBS improved their coverage and made their drug part better plus it went down in price so I now pay $86 a month.  I was worried that those supplements may be 2 or 3 hundred so was pleasantly surprised how affordable it is.  AND that is through an agent here in town that I had never done business with before.  He set it all up and I came in a few days later and signed the dotted line.
:happy1: :happy1:
Title: Re: Medicare supplements
Post by: Gunner55 on March 03/09/22, 04:19:03 PM
I have a $0 premium AARP Medicare Advantage policy through UHC that's available in my area & I'm eligible for. It does what I need including being accepted up here @ Essentia Health in Deer River. Last I looked it wasn't available in Mn but Humana had something similar.
Title: Re: Medicare supplements
Post by: glenn57 on March 03/09/22, 04:22:50 PM
After seeing my wife struggle to get signed up (with COVID & every other excuse they can dream up not to help, the Austin SS office is worthless as tits on a boar), I'm gonna get started a lot sooner than she did on the project. I'll be 64 in a few weeks.

I got an ace in the hole.  My wife retired last August so she went through it all plus she worked at Medica for about 17 years and understands the whole Health care deal!  I'm just going to act dumb and say Honey, what do I do?   :confused:   :happy1: :happy1:
so just like you do here grilling us experts on hunting and fishing tidbits.  :evil: :mooning: :rotflmao:
Title: Re: Medicare supplements
Post by: Leech~~ on March 03/09/22, 06:28:43 PM
After seeing my wife struggle to get signed up (with COVID & every other excuse they can dream up not to help, the Austin SS office is worthless as tits on a boar), I'm gonna get started a lot sooner than she did on the project. I'll be 64 in a few weeks.

I got an ace in the hole.  My wife retired last August so she went through it all plus she worked at Medica for about 17 years and understands the whole Health care deal!  I'm just going to act dumb and say Honey, what do I do?   :confused:   :happy1: :happy1:
so just like you do here grilling us experts on hunting and fishing tidbits.  :evil: :mooning: :rotflmao:

Well, I may not be that good with some predictions, but I predicted you would be the first one to come by and reply to my post!!   :moon: :moon: :rotflmao:
Title: Re: Medicare supplements
Post by: glenn57 on March 03/09/22, 06:30:39 PM
After seeing my wife struggle to get signed up (with COVID & every other excuse they can dream up not to help, the Austin SS office is worthless as tits on a boar), I'm gonna get started a lot sooner than she did on the project. I'll be 64 in a few weeks.

I got an ace in the hole.  My wife retired last August so she went through it all plus she worked at Medica for about 17 years and understands the whole Health care deal!  I'm just going to act dumb and say Honey, what do I do?   :confused:   :happy1: :happy1:
so just like you do here grilling us experts on hunting and fishing tidbits.  :evil: :mooning: :rotflmao:

Well, I may not be that good with some predictions, but I predicted you would be the first one to come by and reply to my post!!   :moon: :moon: :rotflmao:
:happy1: glad i could help!!!! :mooning: :mooning: :rotflmao: :rotflmao: