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Thu Oct 4, 2012, 04:55 PM

Just got my Medicare card. Tell me anything!

I mean really.

Supplemental, Part D, Part N (N!?!), MediGap, Prescription drup coverage?

I'm reading all this stuff and not getting a clear picture of what I need to do in the next couple of months.

My wife and I have our own business - just the two of us. We've got a highly expensive health insurance plan with Aetna (may they rot forever) which I'm going to opt out of come January 1. She will continue with it as she is 53. We're covered separately.

Aetna has prescription coverage, etc, etc.

From reading the brochures it's not really clear what the best thing would be.

Anyone else been in this situation and can offer any insight?

9 replies, 575 views

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Arrow 9 replies Author Time Post
Reply Just got my Medicare card. Tell me anything! (Original post)
GoneOffShore Oct 2012 OP
liberal N proud Oct 2012 #1
ohiosmith Oct 2012 #2
GoneOffShore Oct 2012 #3
Raven Oct 2012 #4
GoneOffShore Oct 2012 #5
dixiegrrrrl Oct 2012 #6
GoneOffShore Oct 2012 #7
dixiegrrrrl Oct 2012 #9
rurallib Oct 2012 #8

Response to GoneOffShore (Original post)

Thu Oct 4, 2012, 04:57 PM

1. You got yours, I probably won't.

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Response to GoneOffShore (Original post)

Thu Oct 4, 2012, 05:01 PM

2. I got mine a few months ago. After much research I enrolled in the HumanaChoice PPO.

I went to a number of seminars presented by providers and brokers. Avoid the brokers. They will try to steer you toward those plans that pay them the highest spiff.

Good luck!

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Response to ohiosmith (Reply #2)

Thu Oct 4, 2012, 05:11 PM

3. Thank you.

I just sent an email to my financial guy and I'm sure he'll help me sort through it.

But asking for the wisdom of DU'ers is always good.

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Response to GoneOffShore (Original post)

Thu Oct 4, 2012, 05:53 PM

4. Check out the AARP website. n/t

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Response to Raven (Reply #4)

Thu Oct 4, 2012, 06:27 PM

5. Merci.

I'm off to look now.

And smack myself for not thinking of it myself.

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Response to GoneOffShore (Reply #5)

Thu Oct 4, 2012, 09:37 PM

6. Ok...see if this helps..

Medicare Part A will pay for hosptial care.
will NOT pay for the Dr. care in the hospital
There is a 1500.00 deductible
But Part A is free, no charge to you.

Medicare B will pay for that Dr. in the hospital
and for tests
and for outpatient services ( like x-rays, screenings, Dr. visits)
There is an annual 140.00 deductible.
Part B will cost you a monthly premium, which usually increases every year.
The first 6 months you are on Medicare B you get free screenings for colorectal cancer and some other things, no deductilbe, no co-pay.
Some Medicare Part B providers charge co-pays, but it can never be more than 115% of what Medicare pays.

Medicare D....pays for prescriptions. The law was written by insurance companies, thus the infamous "donut hole"
Only you know if your current or expected prescriptions are expensive enough to pay for supplemental insur.

Most prescriptions can be bought in generic form for 10.00 for 30.00 day supply at Wal-Mart and some other pharmacies.

you should be getting the thic book Medicare 2012 in the mail. They send one out every year around this time.
Plus, of course, you can type ANY Medicare question into Google and find dozens of pages of answers.

Does this help?

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Response to dixiegrrrrl (Reply #6)

Thu Oct 4, 2012, 10:00 PM

7. Thank you - far more succinct than the stuff they've sent me so far

And explains a lot.

You should be writing the copy for Medicare and the ratbag for profit insurers.

Oh, and doing the Google - Never anything as clear and elegant as what you wrote.

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Response to GoneOffShore (Reply #7)

Thu Oct 4, 2012, 11:25 PM

9. Years of experience explaining complicated stuff to my clients.

Which involved years of having to understand the complicated stuff.

In this case, we are also on Medicare, and I just got a refund from them because my hospital over charged me.

Medicare and Soc. Sec., for my money, are pretty good at listening, and at giving information, once you get past the double speak and know how to ask the right questions.

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Response to GoneOffShore (Original post)

Thu Oct 4, 2012, 10:26 PM

8. can you share?

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