Re: Question re: Medicare/Job Insurance Coverage

[Guest guest]

Generally one receives Medicare after receiving SSDI for a two year period. 

Many folks who are eligible for Medicare also are elgible for Medicaid which

pays the Part B and Part D premiums plus most if not all copays on doctor's

visits, prescriptions, etc.  If the woman only has Medicare, she may want a

private supplemental insurance.  Often the combination of Medicaid and Medicare

is all that a typical person needs and comprable to many private plans.  You

may want to talk with her employer to see what additional coverage she will be

receiving if she enrolls in the private health insurance plan.  The major

advantage to having private coverage, is the ability to access a larger number

of doctors.  Some doctors will not accept Medicaid patients and some are now

refusing Medicare patients due to reductions in fees set by the government so

private insurance may be helpful.  I'm afraid there is no one answer that fits

all situations.  You will need

to investigate the additional coverage she is buying to determine if it is a

good idea or not. Terrie Varnet

From: e Gabb <kristinegabb@...>

" IPADDUnite " <IPADDUnite >

Cc: Dario Morales <dmlegend@...>

Sent: Thursday, September 22, 2011 3:56 PM

Subject: Question re: Medicare/Job Insurance Coverage

 

The autistic adult woman I used to mentor has a part-time job, which offers

health insurance at a nomimal fee.  She is coming up for eligibility for

Medicare this October.  Can she have both?  Should she have both?

 

Could someone direct me to someone who might have the answer?  I do not want to

jeopardize her Medicare coverage as length in job is not secure.....

 

Thanks in advance ... and thanks for all your help.  Keep up the GREAT work!

 

Regards,

e Gabb

[Guest guest]

thanks theresa.  can she have medicare, medicaid and insurance via her

employer?  she rarely goes to the doctor, does not take prescriptions, i am

more concerned about major medical.  she is becoming eligible after being on

ssdi for 2 years ...  i just assumed she would be joining a medicare healthcare

provider, such as humana, but wondered if she could still keep the coverage she

is paying for via old country buffet...

 

although she is eligible for medicaid, she rarely goes to the doctor, and is on

the " what you spend this month, you get next month.... "   am i making sense? 

as i said, i just assumed when her two years were up, she'd join humana, a plan

both her parents are on...

 

thanks again...

kristine

 

From: Theresa Varnet <tvarnet@...>

> " IPADDUnite " <IPADDUnite >

>Sent: Thursday, September 22, 2011 3:06 PM

>Subject: Re: Question re: Medicare/Job Insurance Coverage

>

>

>  

>

>Generally one receives Medicare after receiving SSDI for a two year period. 

Many folks who are eligible for Medicare also are elgible for Medicaid which

pays the Part B and Part D premiums plus most if not all copays on doctor's

visits, prescriptions, etc.  If the woman only has Medicare, she may want a

private supplemental insurance.  Often the combination of Medicaid and Medicare

is all that a typical person needs and comprable to many private plans.  You

may want to talk with her employer to see what additional coverage she will be

receiving if she enrolls in the private health insurance plan.  The major

advantage to having private coverage, is the ability to access a larger number

of doctors.  Some doctors will not accept Medicaid patients and some are now

refusing Medicare patients due to reductions in fees set by the government so

private insurance may be helpful.  I'm afraid there is no one answer that fits

all situations.  You will need

>to investigate the additional coverage she is buying to determine if it is a

good idea or not. Terrie Varnet

>

>From: e Gabb <kristinegabb@...>

> " IPADDUnite " <IPADDUnite >

>Cc: Dario Morales <dmlegend@...>

>Sent: Thursday, September 22, 2011 3:56 PM

>Subject: Question re: Medicare/Job Insurance Coverage

>

> 

>The autistic adult woman I used to mentor has a part-time job, which offers

health insurance at a nomimal fee.  She is coming up for eligibility for

Medicare this October.  Can she have both?  Should she have both?

> 

>Could someone direct me to someone who might have the answer?  I do not want

to jeopardize her Medicare coverage as length in job is not secure.....

> 

>Thanks in advance ... and thanks for all your help.  Keep up the GREAT work!

> 

>Regards,

>e Gabb

>

>

[Guest guest]

Hi e,  I'm sorry I can't give you specific advice as all of these

decisions vary depending on person's needs. If it were me in your position,

 I'd first look into whether she is eligible for standard Medicaid or Health

Care Benefits for Working Disabled which will save her the cost of the Part B

and Part D premiums.  I'd then look at her doctors and see if they all accept

Medicare/Medicaid payments.  I'd then look at managed care programs such as the

Humana you mention to see if this would give her more medical care options than

her Medicare/medicaid coverage will provide.  I'd likely only opt for the

payment of private health insurance at an additional fee  if it were going to

give her an added benefit or access to higher quality medical care.  Unless a

company self insures, there is seldom a problem with having private insurance,

Medicare and Medicaid.  Usually (but not always), private insurance pays first,

then Medicare and Medicaid

is always the payer of last resort.  If the health insurance is supplemental

to Medicare, then Medicare pays first and private insurance 2nd.  Hope this

helps.  You will need to do some homework before you make a decision on her

behalf or with her and her family if they are available to assist you in making

a decision.  Terrie

From: e Gabb <kristinegabb@...>

" IPADDUnite " <IPADDUnite >

Sent: Thursday, September 22, 2011 4:26 PM

Subject: Re: Question re: Medicare/Job Insurance Coverage

 

thanks theresa.  can she have medicare, medicaid and insurance via her

employer?  she rarely goes to the doctor, does not take prescriptions, i am

more concerned about major medical.  she is becoming eligible after being on

ssdi for 2 years ...  i just assumed she would be joining a medicare healthcare

provider, such as humana, but wondered if she could still keep the coverage she

is paying for via old country buffet...

 

although she is eligible for medicaid, she rarely goes to the doctor, and is on

the " what you spend this month, you get next month.... "   am i making sense? 

as i said, i just assumed when her two years were up, she'd join humana, a plan

both her parents are on...

 

thanks again...

kristine

 

From: Theresa Varnet <tvarnet@...>

> " IPADDUnite " <IPADDUnite >

>Sent: Thursday, September 22, 2011 3:06 PM

>Subject: Re: Question re: Medicare/Job Insurance Coverage

>

>

>  

>

>Generally one receives Medicare after receiving SSDI for a two year period. 

Many folks who are eligible for Medicare also are elgible for Medicaid which

pays the Part B and Part D premiums plus most if not all copays on doctor's

visits, prescriptions, etc.  If the woman only has Medicare, she may want a

private supplemental insurance.  Often the combination of Medicaid and Medicare

is all that a typical person needs and comprable to many private plans.  You

may want to talk with her employer to see what additional coverage she will be

receiving if she enrolls in the private health insurance plan.  The major

advantage to having private coverage, is the ability to access a larger number

of doctors.  Some doctors will not accept Medicaid patients and some are now

refusing Medicare patients due to reductions in fees set by the government so

private insurance may be helpful.  I'm afraid there is no one answer that fits

all situations.  You will need

>to investigate the additional coverage she is buying to determine if it is a

good idea or not. Terrie Varnet

>

>From: e Gabb <kristinegabb@...>

> " IPADDUnite " <IPADDUnite >

>Cc: Dario Morales <dmlegend@...>

>Sent: Thursday, September 22, 2011 3:56 PM

>Subject: Question re: Medicare/Job Insurance Coverage

>

> 

>The autistic adult woman I used to mentor has a part-time job, which offers

health insurance at a nomimal fee.  She is coming up for eligibility for

Medicare this October.  Can she have both?  Should she have both?

> 

>Could someone direct me to someone who might have the answer?  I do not want

to jeopardize her Medicare coverage as length in job is not secure.....

> 

>Thanks in advance ... and thanks for all your help.  Keep up the GREAT work!

> 

>Regards,

>e Gabb

>

>