supplemental insurance

[Guest guest]

Hi,

I do not know a lot about other supplemental insurance for Medicare

Recipients just the one I have - when I had simultaneous implants my

supplemental paid 100% I was out of pocket absolutely no money. Any

charges I had that was not covered my Medicare my supplemental paid

them due to the fact what I needed was a medical necessity to be

approved as a candidate. I have United Healthcare and I am a Railroad

Medicare Recipient - I just turned 59.

I do know some about Medicare supplementals the person pays their

deductible for the supplement and the supplemental pays anywhere from

80% to 100% after Medicare pays. The insurance office where she is

getting her CI should be able to tell her what she will have to pay

out of pocket. They would contact the company she has the

supplemental policy for approval just like they would contact Medicare.

Roxie

>

> Here in Alaska, I'm talking to a woman who is in her late 70s and is

getting a CI next week. She had lost her hearing due to a stroke on

once side in the 80s but woke up one day in December 2005 and had lost

the hearing in the other ear too (not from a stroke, cause is

undetermined). She's asking me about supplemental insurance to go

with her Medicare? Any suggestions? I've never qualified for

supplemental here because I'm not yet 65.

>

> Pam (in Anchorage)

>

>

>

[Guest guest]

Thanks Roxie;

The lady doesn't have any supplemental insurance right now and is looking around

to find out where she could get some (what companies). She was asking me for

recommendations and I don't have a clue.

This is a long story and due to her age I don't want to make suggestions that

will complicate matters for her. Her surgery is scheduled for the 14th.

As it is she's going to Oregon to have surgery and will have an AB implant. She

will have to go to Oregon for all her mappings because no one in Alaska works

with AB. She was steered into all these decisions by well meaning friends and

relatives who live in Oregon and I'm not sure she fully understands the

ramifications of decisions that have been made. She let people be very hastey

and didn't do the preliminary ground work that in my opinion should have been

done. She says she doesn't mind the frequent round trips to Oregon from Alaska

but we'll see how it goes. She's pretty sprightly but has some balance issues

and uses a walker now. I was able to suggest that she get a recliner at her

daughters in Oregon for recuperation and that is being done.

Pam

[Guest guest]

Hi Pam,

She needs to look or have someone do it for her in the back of her

the most recent Medicare And You handbook and there will be a list

of Insurance Companies that supplies supplemental insurance in her

state. Also, I have been told that AARP has a very good

supplemental plan.

>

> Thanks Roxie;

>

> The lady doesn't have any supplemental insurance right now and is

looking around to find out where she could get some (what

companies). She was asking me for recommendations and I don't have

a clue.

>

> This is a long story and due to her age I don't want to make

suggestions that will complicate matters for her. Her surgery is

scheduled for the 14th.

>

> As it is she's going to Oregon to have surgery and will have an AB

implant. She will have to go to Oregon for all her mappings because

no one in Alaska works with AB. She was steered into all these

decisions by well meaning friends and relatives who live in Oregon

and I'm not sure she fully understands the ramifications of

decisions that have been made. She let people be very hastey and

didn't do the preliminary ground work that in my opinion should have

been done. She says she doesn't mind the frequent round trips to

Oregon from Alaska but we'll see how it goes. She's pretty

sprightly but has some balance issues and uses a walker now. I was

able to suggest that she get a recliner at her daughters in Oregon

for recuperation and that is being done.

>

> Pam

>

>

>

[Guest guest]

Thanks Roxie!

that is very helpful! I'll take a look in my book and then make some

recommendations to her.

Pam

[Guest guest]

Hi,

There are quite a few insurance co that combines Medicare. I started with

Blue Cross and Blue Shield. THen, I switched to Humana. THen I switched to

care Plus and now I am with Preferred care Partners. You can call and tell

them you have Medicare. They will set up an apt with you and in my area,

will come to your house to do the paper work. Nice treatment, huh? I

recall a website you cna go to to look. It might be the Medicare home page?

Not sure.

Janice

Re: Re: Supplemental Insurance

> Thanks Roxie;

>

> The lady doesn't have any supplemental insurance right now and is looking

> around to find out where she could get some (what companies). She was

> asking me for recommendations and I don't have a clue.

>

> This is a long story and due to her age I don't want to make suggestions

> that will complicate matters for her. Her surgery is scheduled for the

> 14th.

>

> As it is she's going to Oregon to have surgery and will have an AB

> implant. She will have to go to Oregon for all her mappings because no one

> in Alaska works with AB. She was steered into all these decisions by well

> meaning friends and relatives who live in Oregon and I'm not sure she

> fully understands the ramifications of decisions that have been made. She

> let people be very hastey and didn't do the preliminary ground work that

> in my opinion should have been done. She says she doesn't mind the

> frequent round trips to Oregon from Alaska but we'll see how it goes.

> She's pretty sprightly but has some balance issues and uses a walker now.

> I was able to suggest that she get a recliner at her daughters in Oregon

> for recuperation and that is being done.

>

> Pam

>

>

>

[Guest guest]

Hi all

I have SSDI but won't be eligble for Medicare till the beginning of the next

year. I'm having problems trying to find out information regarding Medicare and

getting supplemental insurance as I keep getting ahold of nasty customer service

people, and can't seem to get a straight answer. Since I'm not over 62, I

understand that my type of Medicare is different, also since it's disability

related. I live In Las Vegas, Nv., and don't have any friends who are qualified

to help me with answers. I've been told that as soon as I'm eligible, they take

out the cost of the Medicare out of my check, whether i want it or not. Also

that I have to find a supplemental insurance 6 months or less before I qualify,

otherwise insurance companies won't cover me because of a pre-existing

condition, and the supplemental ins. has to be able to work with Medicare. I've

been told that we have to pay 20% after they pay their 80%, and for hospital

visits it's like over $900. deductible, plus other

sums are due for hospitalization. Is this true? I know we have to find our own

drug plan, as well as dental and vision. I don't get the maximum available for

disability, but I know I don't qualify for assistance along with the Medicare.

Does anyone know of a good supplemental insurance plan to use to cover what

Medicare won't cover? I think I've found a plan for a drug program that

Walgreen's printed out for me, but I don't know where to look for a medical plan

that will supplement Medicare, or a Dental plan. I'm not going to worry about

vision at this time, but it seems all my meds. give me dry mouth, and my dentist

now says that is giving me problems with periodental disease, since the bacteria

doesn't get a chance to be washed out with the saliva, even though I use

mouthwash and chew sugarless gum, and try to drink a lot of fluids. I don't want

to lose my teeth on top of everything else!

I was told also when they start taking out the premium, and you don't want

Medicare, they don't refund the money taken out already, you have to wait till

you get your card, and then send it back, then they'll stop taking out the

premium.

I know I'm running on and on here, so I guess to sum things up, who do I turn

to to get help, or does anyone know of a good supplemental plan, or where can I

find one that co-ordinates with Medicare, and I need a Dental plan. I wish they

had an agency that could help me out here and find out if what I've heard so far

is true, but instead I have to turn to you all. Thanks for any and all help, I

appreciate it.

Jeannie

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