Guest guest Posted November 19, 2005 Report Share Posted November 19, 2005 Hi Johanna I will not be signing up for medicare drug coverage as it would take away what I have that cost's me nothing. I hope everyone really looks at this as for some like myself it would be very detrimental to sign up..Johanna wrote: Hi, Just caught the end of a television show discussing Medicare drug coverage. There’s a new plan out there, and it’s supposed to cover a wide range of services and people. Check out www.medicare.gov and let us know what you think (Pros, Cons, and otherwise). I’ll be checking it out, but I don’t know enough about the different conditions that may or may not be affected by it. So check it out and tell us what you think. Johanna ---------------------------------------------------------------Johanna Koskinen - Director/Outreach CoordinatorToll-free hotline:1.888.436.HEP C (4372)Local: 1./ Email: johanna@...Website: http://www.hepcmo.org From: Hepatitis_C_Central [mailto:Hepatitis_C_Central ] On Behalf Of KATHRINE SWANSONSent: Wednesday, October 26, 2005 12:01 PMTo: Hepatitis_C_Central Subject: Re: Re: Starting TX this week--Q help needed Gav,I was start treatment this week, also. I had a braininjury (bumped my head a few places back in May) andhave trouble knowing what is from the brain injury andwhat is from the hep c. Saw my Gastro yesterday and wedecided to wait because my labs came back good and hedoes not feel there is a rush. Please keep me informedand what helps you through so when I do go throughtreatment. You go girl! I will be thinking of you.Kathy Jackie Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 19, 2005 Report Share Posted November 19, 2005 its a long story but the short of it is that my husband is 100% disabled Vet and so I get champ VA through him.. As long as I dont have any other prescription coverage, they will give me my meds with NO co-pay.. so IF I were to sign up with medicare RX, I would have a HUGE co-pay because then Champ VA would no longer cover me... When I first got my cpap after the sleep study, Champ Va covered it at 100%, but when I was qualified for medicare, then champ va refused to continue covering it and I didnt meet the standards for medicare to cover it and I ended up with almost a 1500.00 bill for the rental of the equipment. The company that rented it to me, didnt tell me for nearly a year about this change.. so I had to take the equipment back to them as I couldnt afford to rent it anymore... They tried to sell it to me at a cost of nearly another 1500.00... I found it online for around 500.00... so IF I sign up for medicare prescription coverage, I would lose my champ VA coverage and the co-pays for medicare are huge! did that make sense?? I hope so,,Jane wrote: Hi Jax, How would it mess you up? Do you get disability? I know some states are opting out of providing coverage through Medicaid, and people who have both Medicaid and Medicare will be losing their Medicaid (which, in Michigan, covers scripts for about a buck). Take care,Jane Re: Medicare Drug Co Hi Johanna I will not be signing up for medicare drug coverage as it would take away what I have that cost's me nothing. I hope everyone really looks at this as for some like myself it would be very detrimental to sign up..Johanna wrote: Hi, Just caught the end of a television show discussing Medicare drug coverage. There’s a new plan out there, and it’s supposed to cover a wide range of services and people. Check out www.medicare.gov and let us know what you think (Pros, Cons, and otherwise). I’ll be checking it out, but I don’t know enough about the different conditions that may or may not be affected by it. So check it out and tell us what you think. Johanna ---------------------------------------------------------------Johanna Koskinen - Director/Outreach CoordinatorToll-free hotline:1.888.436.HEP C (4372)Local: 1./ Email: johanna@...Website: http://www.hepcmo.org From: Hepatitis_C_Central [mailto:Hepatitis_C_Central ] On Behalf Of KATHRINE SWANSONSent: Wednesday, October 26, 2005 12:01 PMTo: Hepatitis_C_Central Subject: Re: Re: Starting TX this week--Q help needed Gav,I was start treatment this week, also. I had a braininjury (bumped my head a few places back in May) andhave trouble knowing what is from the brain injury andwhat is from the hep c. Saw my Gastro yesterday and wedecided to wait because my labs came back good and hedoes not feel there is a rush. Please keep me informedand what helps you through so when I do go throughtreatment. You go girl! I will be thinking of you.Kathy Jackie Jackie Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 19, 2005 Report Share Posted November 19, 2005 its a long story but the short of it is that my husband is 100% disabled Vet and so I get champ VA through him.. As long as I dont have any other prescription coverage, they will give me my meds with NO co-pay.. so IF I were to sign up with medicare RX, I would have a HUGE co-pay because then Champ VA would no longer cover me... When I first got my cpap after the sleep study, Champ Va covered it at 100%, but when I was qualified for medicare, then champ va refused to continue covering it and I didnt meet the standards for medicare to cover it and I ended up with almost a 1500.00 bill for the rental of the equipment. The company that rented it to me, didnt tell me for nearly a year about this change.. so I had to take the equipment back to them as I couldnt afford to rent it anymore... They tried to sell it to me at a cost of nearly another 1500.00... I found it online for around 500.00... so IF I sign up for medicare prescription coverage, I would lose my champ VA coverage and the co-pays for medicare are huge! did that make sense?? I hope so,,Jane wrote: Hi Jax, How would it mess you up? Do you get disability? I know some states are opting out of providing coverage through Medicaid, and people who have both Medicaid and Medicare will be losing their Medicaid (which, in Michigan, covers scripts for about a buck). Take care,Jane Re: Medicare Drug Co Hi Johanna I will not be signing up for medicare drug coverage as it would take away what I have that cost's me nothing. I hope everyone really looks at this as for some like myself it would be very detrimental to sign up..Johanna wrote: Hi, Just caught the end of a television show discussing Medicare drug coverage. There’s a new plan out there, and it’s supposed to cover a wide range of services and people. Check out www.medicare.gov and let us know what you think (Pros, Cons, and otherwise). I’ll be checking it out, but I don’t know enough about the different conditions that may or may not be affected by it. So check it out and tell us what you think. Johanna ---------------------------------------------------------------Johanna Koskinen - Director/Outreach CoordinatorToll-free hotline:1.888.436.HEP C (4372)Local: 1./ Email: johanna@...Website: http://www.hepcmo.org From: Hepatitis_C_Central [mailto:Hepatitis_C_Central ] On Behalf Of KATHRINE SWANSONSent: Wednesday, October 26, 2005 12:01 PMTo: Hepatitis_C_Central Subject: Re: Re: Starting TX this week--Q help needed Gav,I was start treatment this week, also. I had a braininjury (bumped my head a few places back in May) andhave trouble knowing what is from the brain injury andwhat is from the hep c. Saw my Gastro yesterday and wedecided to wait because my labs came back good and hedoes not feel there is a rush. Please keep me informedand what helps you through so when I do go throughtreatment. You go girl! I will be thinking of you.Kathy Jackie Jackie Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 19, 2005 Report Share Posted November 19, 2005 Isn't it frustrating how pretty they wrap these programs that are so shoddy and unfriendly to the people who need them most? --------------------------------------------------------------- Johanna Koskinen - Director/Outreach Coordinator Toll-free hotline:1.888.436.HEP C (4372) Local: 1./ Email: johanna@... Website: http://www.hepcmo.org Re: Medicare Drug Co its a long story but the short of it is that my husband is 100% disabled Vet and so I get champ VA through him.. As long as I dont have any other prescription coverage, they will give me my meds with NO co-pay.. so IF I were to sign up with medicare RX, I would have a HUGE co-pay because then Champ VA would no longer cover me... When I first got my cpap after the sleep study, Champ Va covered it at 100%, but when I was qualified for medicare, then champ va refused to continue covering it and I didnt meet the standards for medicare to cover it and I ended up with almost a 1500.00 bill for the rental of the equipment. The company that rented it to me, didnt tell me for nearly a year about this change.. so I had to take the equipment back to them as I couldnt afford to rent it anymore... They tried to sell it to me at a cost of nearly another 1500.00... I found it online for around 500.00... so IF I sign up for medicare prescription coverage, I would lose my champ VA coverage and the co-pays for medicare are huge! did that make sense?? I hope so,, Jane wrote: Hi Jax, How would it mess you up? Do you get disability? I know some states are opting out of providing coverage through Medicaid, and people who have both Medicaid and Medicare will be losing their Medicaid (which, in Michigan, covers scripts for about a buck). Take care, Jane Re: Re: Starting TX this week--Q help needed Gav, I was start treatment this week, also. I had a brain injury (bumped my head a few places back in May) and have trouble knowing what is from the brain injury and what is from the hep c. Saw my Gastro yesterday and we decided to wait because my labs came back good and he does not feel there is a rush. Please keep me informed and what helps you through so when I do go through treatment. You go girl! I will be thinking of you. Kathy Jackie Jackie It's a pleasure having you join in our conversations. We hope you have found the support you need with us. If you are using email for your posts, for easy access to our group, just click the link-- http://groups.yahoo.com/group/Hepatitis_C_Central/ Happy Posting Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 19, 2005 Report Share Posted November 19, 2005 Isn't it frustrating how pretty they wrap these programs that are so shoddy and unfriendly to the people who need them most? --------------------------------------------------------------- Johanna Koskinen - Director/Outreach Coordinator Toll-free hotline:1.888.436.HEP C (4372) Local: 1./ Email: johanna@... Website: http://www.hepcmo.org Re: Medicare Drug Co its a long story but the short of it is that my husband is 100% disabled Vet and so I get champ VA through him.. As long as I dont have any other prescription coverage, they will give me my meds with NO co-pay.. so IF I were to sign up with medicare RX, I would have a HUGE co-pay because then Champ VA would no longer cover me... When I first got my cpap after the sleep study, Champ Va covered it at 100%, but when I was qualified for medicare, then champ va refused to continue covering it and I didnt meet the standards for medicare to cover it and I ended up with almost a 1500.00 bill for the rental of the equipment. The company that rented it to me, didnt tell me for nearly a year about this change.. so I had to take the equipment back to them as I couldnt afford to rent it anymore... They tried to sell it to me at a cost of nearly another 1500.00... I found it online for around 500.00... so IF I sign up for medicare prescription coverage, I would lose my champ VA coverage and the co-pays for medicare are huge! did that make sense?? I hope so,, Jane wrote: Hi Jax, How would it mess you up? Do you get disability? I know some states are opting out of providing coverage through Medicaid, and people who have both Medicaid and Medicare will be losing their Medicaid (which, in Michigan, covers scripts for about a buck). Take care, Jane Re: Re: Starting TX this week--Q help needed Gav, I was start treatment this week, also. I had a brain injury (bumped my head a few places back in May) and have trouble knowing what is from the brain injury and what is from the hep c. Saw my Gastro yesterday and we decided to wait because my labs came back good and he does not feel there is a rush. Please keep me informed and what helps you through so when I do go through treatment. You go girl! I will be thinking of you. Kathy Jackie Jackie It's a pleasure having you join in our conversations. We hope you have found the support you need with us. If you are using email for your posts, for easy access to our group, just click the link-- http://groups.yahoo.com/group/Hepatitis_C_Central/ Happy Posting Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 19, 2005 Report Share Posted November 19, 2005 Yep,, sure is,, and I feel so bad for those who dont know how to figure this stuff out, I sure didnt, but at least I still have my champ va and medicare... but just no medicare RX coverage.. and thats how I want to keep it! Its just so bad,, I mean if one had NO rx coverage, it would still cost them aprox 3K per year out of their own money,, most ppl cannot afford even that much!Johanna wrote: Isn't it frustrating how pretty they wrap these programs that are so shoddyand unfriendly to the people who need them most?---------------------------------------------------------------Johanna Koskinen - Director/Outreach CoordinatorToll-free hotline:1.888.436.HEP C (4372)Local: 1./ Email: johanna@...Website: http://www.hepcmo.org -----Original Message-----From: Hepatitis_C_Central [mailto:Hepatitis_C_Central ] On Behalf Of Jackie onSent: Saturday, November 19, 2005 7:43 PMTo: Hepatitis_C_Central Subject: Re: Medicare Drug Coits a long story but the short of it is that my husband is 100% disabled Vetand so I get champ VA through him.. As long as I dont have any otherprescription coverage, they will give me my meds with NO co-pay.. so IF Iwere to sign up with medicare RX, I would have a HUGE co-pay because thenChamp VA would no longer cover me... When I first got my cpap after the sleep study, Champ Va covered it at 100%,but when I was qualified for medicare, then champ va refused to continuecovering it and I didnt meet the standards for medicare to cover it and Iended up with almost a 1500.00 bill for the rental of the equipment. Thecompany that rented it to me, didnt tell me for nearly a year about thischange.. so I had to take the equipment back to them as I couldnt afford torent it anymore... They tried to sell it to me at a cost of nearly another1500.00... I found it online for around 500.00... so IF I sign up formedicare prescription coverage, I would lose my champ VA coverage and theco-pays for medicare are huge! did that make sense?? I hope so,,Jane wrote: Hi Jax, How would it mess you up? Do you get disability? I know somestates are opting out of providing coverage through Medicaid, and people whohave both Medicaid and Medicare will be losing their Medicaid (which, inMichigan, covers scripts for about a buck). Take care, Jane Re: Re: Starting TXthis week--Q help needed Gav, I was start treatment this week, also. I had a brain injury (bumped my head a few places back in May) and have trouble knowing what is from the brain injuryand what is from the hep c. Saw my Gastro yesterday andwe decided to wait because my labs came back good andhe does not feel there is a rush. Please keep meinformed and what helps you through so when I do go through treatment. You go girl! I will be thinking of you. Kathy Jackie Jackie It's a pleasure having you join in our conversations. We hope you have foundthe support you need with us. If you are using email for your posts, for easy access to our group, justclick the link-- http://groups.yahoo.com/group/Hepatitis_C_Central/Happy Posting Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 19, 2005 Report Share Posted November 19, 2005 Yep,, sure is,, and I feel so bad for those who dont know how to figure this stuff out, I sure didnt, but at least I still have my champ va and medicare... but just no medicare RX coverage.. and thats how I want to keep it! Its just so bad,, I mean if one had NO rx coverage, it would still cost them aprox 3K per year out of their own money,, most ppl cannot afford even that much!Johanna wrote: Isn't it frustrating how pretty they wrap these programs that are so shoddyand unfriendly to the people who need them most?---------------------------------------------------------------Johanna Koskinen - Director/Outreach CoordinatorToll-free hotline:1.888.436.HEP C (4372)Local: 1./ Email: johanna@...Website: http://www.hepcmo.org -----Original Message-----From: Hepatitis_C_Central [mailto:Hepatitis_C_Central ] On Behalf Of Jackie onSent: Saturday, November 19, 2005 7:43 PMTo: Hepatitis_C_Central Subject: Re: Medicare Drug Coits a long story but the short of it is that my husband is 100% disabled Vetand so I get champ VA through him.. As long as I dont have any otherprescription coverage, they will give me my meds with NO co-pay.. so IF Iwere to sign up with medicare RX, I would have a HUGE co-pay because thenChamp VA would no longer cover me... When I first got my cpap after the sleep study, Champ Va covered it at 100%,but when I was qualified for medicare, then champ va refused to continuecovering it and I didnt meet the standards for medicare to cover it and Iended up with almost a 1500.00 bill for the rental of the equipment. Thecompany that rented it to me, didnt tell me for nearly a year about thischange.. so I had to take the equipment back to them as I couldnt afford torent it anymore... They tried to sell it to me at a cost of nearly another1500.00... I found it online for around 500.00... so IF I sign up formedicare prescription coverage, I would lose my champ VA coverage and theco-pays for medicare are huge! did that make sense?? I hope so,,Jane wrote: Hi Jax, How would it mess you up? Do you get disability? I know somestates are opting out of providing coverage through Medicaid, and people whohave both Medicaid and Medicare will be losing their Medicaid (which, inMichigan, covers scripts for about a buck). Take care, Jane Re: Re: Starting TXthis week--Q help needed Gav, I was start treatment this week, also. I had a brain injury (bumped my head a few places back in May) and have trouble knowing what is from the brain injuryand what is from the hep c. Saw my Gastro yesterday andwe decided to wait because my labs came back good andhe does not feel there is a rush. Please keep meinformed and what helps you through so when I do go through treatment. You go girl! I will be thinking of you. Kathy Jackie Jackie It's a pleasure having you join in our conversations. We hope you have foundthe support you need with us. If you are using email for your posts, for easy access to our group, justclick the link-- http://groups.yahoo.com/group/Hepatitis_C_Central/Happy Posting Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 20, 2005 Report Share Posted November 20, 2005 Hi Jax, There's one little problem. It's my understanding that if a person with Medicare doesn't pick one, the gubment will put you in one of their choice. Pretty scary, eh? Take care, Jane Re: Medicare Drug Co Hi Johanna I will not be signing up for medicare drug coverage as it would take away what I have that cost's me nothing. I hope everyone really looks at this as for some like myself it would be very detrimental to sign up..Johanna wrote: Hi, Just caught the end of a television show discussing Medicare drug coverage. There’s a new plan out there, and it’s supposed to cover a wide range of services and people. Check out www.medicare.gov and let us know what you think (Pros, Cons, and otherwise). I’ll be checking it out, but I don’t know enough about the different conditions that may or may not be affected by it. So check it out and tell us what you think. Johanna ---------------------------------------------------------------Johanna Koskinen - Director/Outreach CoordinatorToll-free hotline:1.888.436.HEP C (4372)Local: 1./ Email: johanna@...Website: http://www.hepcmo.org From: Hepatitis_C_Central [mailto:Hepatitis_C_Central ] On Behalf Of KATHRINE SWANSONSent: Wednesday, October 26, 2005 12:01 PMTo: Hepatitis_C_Central Subject: Re: Re: Starting TX this week--Q help needed Gav,I was start treatment this week, also. I had a braininjury (bumped my head a few places back in May) andhave trouble knowing what is from the brain injury andwhat is from the hep c. Saw my Gastro yesterday and wedecided to wait because my labs came back good and hedoes not feel there is a rush. Please keep me informedand what helps you through so when I do go throughtreatment. You go girl! I will be thinking of you.Kathy Jackie Jackie Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 20, 2005 Report Share Posted November 20, 2005 And my understanding is that they will NOT put someone into a "plan of govt choice" because for some of us none of the plans are any good. I've seen several news stories on this, and discussed it with some social service folks locally. However, the Champus may decide that the fact that Medicare has a "drug" program available now might put you out of their plan. Be sure to check with your Champus. Sally -----Original Message-----From: Hepatitis_C_Central [mailto:Hepatitis_C_Central ] On Behalf Of JaneSent: Sunday, November 20, 2005 6:52 AMTo: Hepatitis_C_Central Subject: Re: Medicare Drug Co Hi Jax, There's one little problem. It's my understanding that if a person with Medicare doesn't pick one, the gubment will put you in one of their choice. Pretty scary, eh? Take care, Jane Re: Medicare Drug Co Hi Johanna I will not be signing up for medicare drug coverage as it would take away what I have that cost's me nothing. I hope everyone really looks at this as for some like myself it would be very detrimental to sign up..Johanna wrote: Hi, Just caught the end of a television show discussing Medicare drug coverage. There’s a new plan out there, and it’s supposed to cover a wide range of services and people. Check out www.medicare.gov and let us know what you think (Pros, Cons, and otherwise). I’ll be checking it out, but I don’t know enough about the different conditions that may or may not be affected by it. So check it out and tell us what you think. Johanna ---------------------------------------------------------------Johanna Koskinen - Director/Outreach CoordinatorToll-free hotline:1.888.436.HEP C (4372)Local: 1./ Email: johanna@...Website: http://www.hepcmo.org From: Hepatitis_C_Central [mailto:Hepatitis_C_Central ] On Behalf Of KATHRINE SWANSONSent: Wednesday, October 26, 2005 12:01 PMTo: Hepatitis_C_Central Subject: Re: Re: Starting TX this week--Q help needed Gav,I was start treatment this week, also. I had a braininjury (bumped my head a few places back in May) andhave trouble knowing what is from the brain injury andwhat is from the hep c. Saw my Gastro yesterday and wedecided to wait because my labs came back good and hedoes not feel there is a rush. Please keep me informedand what helps you through so when I do go throughtreatment. You go girl! I will be thinking of you.Kathy Jackie Jackie Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 20, 2005 Report Share Posted November 20, 2005 Thanks to everyone for their opinions on this subject. You're helping to educate those who are new and/or confused about all the hype that tends to surrounds these new " PLANS. " I hope you don't mind when I put things like this on the board. It's really important to know your views, and let's face it. You never know who's listening. Johanna Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 20, 2005 Report Share Posted November 20, 2005 Thanks to everyone for their opinions on this subject. You're helping to educate those who are new and/or confused about all the hype that tends to surrounds these new " PLANS. " I hope you don't mind when I put things like this on the board. It's really important to know your views, and let's face it. You never know who's listening. Johanna Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 20, 2005 Report Share Posted November 20, 2005 Thanks to everyone for their opinions on this subject. You're helping to educate those who are new and/or confused about all the hype that tends to surrounds these new " PLANS. " I hope you don't mind when I put things like this on the board. It's really important to know your views, and let's face it. You never know who's listening. Johanna Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 20, 2005 Report Share Posted November 20, 2005 You're right, they cannot force you. It's an offer. For me, it will bring relief. I have no other coverage outside medicare and AARP, but between them they cover most medical costs and now a portion of most drugs. It'll cost me 25.oo per month for the RX coverage, a far cry from what it has cost me to buy drugs. My husband, however, has his union insurance in retirement, and it covers quite well, with a co-pay. It would not pay for him to sign up for medicare's coverage, so he has opted not to. For those who have high RX costs, there will be a gap in the medicare coverage after a certain amount of drugs are obtained, I believe. THEN, the coverage kicks in for a larger amount after another plateau is reached. A laugh a day keeps the blues away. Sharon Re: Medicare Drug Co Man, I hope not,, I could NOT afford to pay 3K a year for my meds, I would have to stop taking them and that would not be good,, Its my understand that they cannot force you to take one, and being on medicare is optional even with the part A/B.. Yes I am elegible but I dont have to take it and if necessary I would have to drop all Medicare coverage to maintain my Champ Va.. they cannot force one onto their programs or so that is my understanding,, I sure hope what I have heard is correct.. sheesh,, that would be worse than having NO insurance, at least for me..Jane wrote: Hi Jax, There's one little problem. It's my understanding that if a person with Medicare doesn't pick one, the gubment will put you in one of their choice. Pretty scary, eh? Take care, Jane Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 20, 2005 Report Share Posted November 20, 2005 Even without tx my monthly medication costs out of pocket about $1,400.00. That's not including the costs for diabetes test strips. I know this because I lost my state insurance coverage in August. I've been living off my tiny 401-k savings since. They are gone now. Fortunately I've been able to get patient assistance for nearly all the drugs. If I get my SSI I will lose that patient assistance, I understand, because there is drug coverage in the state Medicaid. However, most of my medications are not on the state formulary, and they won't pay for anything off the formulary, no matter the "medical necessity". Come the Medicare Part D thing I understand that the Medicaid drug coverage goes away entirely. That's my understanding. Forcing the State Medicaid folks to take the Part D thing. If I time it right, and my SSI doesn't come in before the change, I'll remain elligible for Patient Assistance. Because the Feds have struck deals with all the drug mfg folks that they will NOT allow any patient assistance if there is ANY drug coverage through any insurance at all. Oh, I think most, if not all, of the Part D coverage covers only up to about $2,000 or 3,000 in drugs. Then they drop out completely for a LONG time. That's my understanding, I may be mistaken, and I may be (probably am) confused. But I believe there is a nasty kernel of truth in there. One that will break a lot of teeth ultimately. Sally -----Original Message-----From: Hepatitis_C_Central [mailto:Hepatitis_C_Central ] On Behalf Of SHARON CROSBYSent: Sunday, November 20, 2005 1:57 PMTo: Hepatitis_C_Central Subject: Re: Medicare Drug Co You're right, they cannot force you. It's an offer. For me, it will bring relief. I have no other coverage outside medicare and AARP, but between them they cover most medical costs and now a portion of most drugs. It'll cost me 25.oo per month for the RX coverage, a far cry from what it has cost me to buy drugs. My husband, however, has his union insurance in retirement, and it covers quite well, with a co-pay. It would not pay for him to sign up for medicare's coverage, so he has opted not to. For those who have high RX costs, there will be a gap in the medicare coverage after a certain amount of drugs are obtained, I believe. THEN, the coverage kicks in for a larger amount after another plateau is reached. A laugh a day keeps the blues away. Sharon Re: Medicare Drug Co Man, I hope not,, I could NOT afford to pay 3K a year for my meds, I would have to stop taking them and that would not be good,, Its my understand that they cannot force you to take one, and being on medicare is optional even with the part A/B.. Yes I am elegible but I dont have to take it and if necessary I would have to drop all Medicare coverage to maintain my Champ Va.. they cannot force one onto their programs or so that is my understanding,, I sure hope what I have heard is correct.. sheesh,, that would be worse than having NO insurance, at least for me..Jane wrote: Hi Jax, There's one little problem. It's my understanding that if a person with Medicare doesn't pick one, the gubment will put you in one of their choice. Pretty scary, eh? Take care, Jane Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 20, 2005 Report Share Posted November 20, 2005 Even without tx my monthly medication costs out of pocket about $1,400.00. That's not including the costs for diabetes test strips. I know this because I lost my state insurance coverage in August. I've been living off my tiny 401-k savings since. They are gone now. Fortunately I've been able to get patient assistance for nearly all the drugs. If I get my SSI I will lose that patient assistance, I understand, because there is drug coverage in the state Medicaid. However, most of my medications are not on the state formulary, and they won't pay for anything off the formulary, no matter the "medical necessity". Come the Medicare Part D thing I understand that the Medicaid drug coverage goes away entirely. That's my understanding. Forcing the State Medicaid folks to take the Part D thing. If I time it right, and my SSI doesn't come in before the change, I'll remain elligible for Patient Assistance. Because the Feds have struck deals with all the drug mfg folks that they will NOT allow any patient assistance if there is ANY drug coverage through any insurance at all. Oh, I think most, if not all, of the Part D coverage covers only up to about $2,000 or 3,000 in drugs. Then they drop out completely for a LONG time. That's my understanding, I may be mistaken, and I may be (probably am) confused. But I believe there is a nasty kernel of truth in there. One that will break a lot of teeth ultimately. Sally -----Original Message-----From: Hepatitis_C_Central [mailto:Hepatitis_C_Central ] On Behalf Of SHARON CROSBYSent: Sunday, November 20, 2005 1:57 PMTo: Hepatitis_C_Central Subject: Re: Medicare Drug Co You're right, they cannot force you. It's an offer. For me, it will bring relief. I have no other coverage outside medicare and AARP, but between them they cover most medical costs and now a portion of most drugs. It'll cost me 25.oo per month for the RX coverage, a far cry from what it has cost me to buy drugs. My husband, however, has his union insurance in retirement, and it covers quite well, with a co-pay. It would not pay for him to sign up for medicare's coverage, so he has opted not to. For those who have high RX costs, there will be a gap in the medicare coverage after a certain amount of drugs are obtained, I believe. THEN, the coverage kicks in for a larger amount after another plateau is reached. A laugh a day keeps the blues away. Sharon Re: Medicare Drug Co Man, I hope not,, I could NOT afford to pay 3K a year for my meds, I would have to stop taking them and that would not be good,, Its my understand that they cannot force you to take one, and being on medicare is optional even with the part A/B.. Yes I am elegible but I dont have to take it and if necessary I would have to drop all Medicare coverage to maintain my Champ Va.. they cannot force one onto their programs or so that is my understanding,, I sure hope what I have heard is correct.. sheesh,, that would be worse than having NO insurance, at least for me..Jane wrote: Hi Jax, There's one little problem. It's my understanding that if a person with Medicare doesn't pick one, the gubment will put you in one of their choice. Pretty scary, eh? Take care, Jane Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 20, 2005 Report Share Posted November 20, 2005 Even without tx my monthly medication costs out of pocket about $1,400.00. That's not including the costs for diabetes test strips. I know this because I lost my state insurance coverage in August. I've been living off my tiny 401-k savings since. They are gone now. Fortunately I've been able to get patient assistance for nearly all the drugs. If I get my SSI I will lose that patient assistance, I understand, because there is drug coverage in the state Medicaid. However, most of my medications are not on the state formulary, and they won't pay for anything off the formulary, no matter the "medical necessity". Come the Medicare Part D thing I understand that the Medicaid drug coverage goes away entirely. That's my understanding. Forcing the State Medicaid folks to take the Part D thing. If I time it right, and my SSI doesn't come in before the change, I'll remain elligible for Patient Assistance. Because the Feds have struck deals with all the drug mfg folks that they will NOT allow any patient assistance if there is ANY drug coverage through any insurance at all. Oh, I think most, if not all, of the Part D coverage covers only up to about $2,000 or 3,000 in drugs. Then they drop out completely for a LONG time. That's my understanding, I may be mistaken, and I may be (probably am) confused. But I believe there is a nasty kernel of truth in there. One that will break a lot of teeth ultimately. Sally -----Original Message-----From: Hepatitis_C_Central [mailto:Hepatitis_C_Central ] On Behalf Of SHARON CROSBYSent: Sunday, November 20, 2005 1:57 PMTo: Hepatitis_C_Central Subject: Re: Medicare Drug Co You're right, they cannot force you. It's an offer. For me, it will bring relief. I have no other coverage outside medicare and AARP, but between them they cover most medical costs and now a portion of most drugs. It'll cost me 25.oo per month for the RX coverage, a far cry from what it has cost me to buy drugs. My husband, however, has his union insurance in retirement, and it covers quite well, with a co-pay. It would not pay for him to sign up for medicare's coverage, so he has opted not to. For those who have high RX costs, there will be a gap in the medicare coverage after a certain amount of drugs are obtained, I believe. THEN, the coverage kicks in for a larger amount after another plateau is reached. A laugh a day keeps the blues away. Sharon Re: Medicare Drug Co Man, I hope not,, I could NOT afford to pay 3K a year for my meds, I would have to stop taking them and that would not be good,, Its my understand that they cannot force you to take one, and being on medicare is optional even with the part A/B.. Yes I am elegible but I dont have to take it and if necessary I would have to drop all Medicare coverage to maintain my Champ Va.. they cannot force one onto their programs or so that is my understanding,, I sure hope what I have heard is correct.. sheesh,, that would be worse than having NO insurance, at least for me..Jane wrote: Hi Jax, There's one little problem. It's my understanding that if a person with Medicare doesn't pick one, the gubment will put you in one of their choice. Pretty scary, eh? Take care, Jane Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 20, 2005 Report Share Posted November 20, 2005 I think it is good for those who have NO options at all other than this,, at least it will help some,, but for those of us who have "other " RX insurance, it would do more harm than good,, and IM glad its not manditory, I'd be up the creek without a paddle,, SHARON CROSBY wrote: You're right, they cannot force you. It's an offer. For me, it will bring relief. I have no other coverage outside medicare and AARP, but between them they cover most medical costs and now a portion of most drugs. It'll cost me 25.oo per month for the RX coverage, a far cry from what it has cost me to buy drugs. My husband, however, has his union insurance in retirement, and it covers quite well, with a co-pay. It would not pay for him to sign up for medicare's coverage, so he has opted not to. For those who have high RX costs, there will be a gap in the medicare coverage after a certain amount of drugs are obtained, I believe. THEN, the coverage kicks in for a larger amount after another plateau is reached. A laugh a day keeps the blues away. Sharon Re: Medicare Drug Co Man, I hope not,, I could NOT afford to pay 3K a year for my meds, I would have to stop taking them and that would not be good,, Its my understand that they cannot force you to take one, and being on medicare is optional even with the part A/B.. Yes I am elegible but I dont have to take it and if necessary I would have to drop all Medicare coverage to maintain my Champ Va.. they cannot force one onto their programs or so that is my understanding,, I sure hope what I have heard is correct.. sheesh,, that would be worse than having NO insurance, at least for me..Jane wrote: Hi Jax, There's one little problem. It's my understanding that if a person with Medicare doesn't pick one, the gubment will put you in one of their choice. Pretty scary, eh? Take care, Jane Jackie Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 21, 2005 Report Share Posted November 21, 2005 Hi Sally, When I received my 401k, they took out like 20%. However, I re-couped it all when I filed my taxes. I do them on line with H & R Block, and I'll check it out further. It isn't considered "income" and if you spend, I think over 7% in medical, you get it back. There were other reasons, too. You may know this already. Take care,Jane RE: Medicare Drug Co Even without tx my monthly medication costs out of pocket about $1,400.00. That's not including the costs for diabetes test strips. I know this because I lost my state insurance coverage in August. I've been living off my tiny 401-k savings since. They are gone now. Fortunately I've been able to get patient assistance for nearly all the drugs. If I get my SSI I will lose that patient assistance, I understand, because there is drug coverage in the state Medicaid. However, most of my medications are not on the state formulary, and they won't pay for anything off the formulary, no matter the "medical necessity". Come the Medicare Part D thing I understand that the Medicaid drug coverage goes away entirely. That's my understanding. Forcing the State Medicaid folks to take the Part D thing. If I time it right, and my SSI doesn't come in before the change, I'll remain elligible for Patient Assistance. Because the Feds have struck deals with all the drug mfg folks that they will NOT allow any patient assistance if there is ANY drug coverage through any insurance at all. Oh, I think most, if not all, of the Part D coverage covers only up to about $2,000 or 3,000 in drugs. Then they drop out completely for a LONG time. That's my understanding, I may be mistaken, and I may be (probably am) confused. But I believe there is a nasty kernel of truth in there. One that will break a lot of teeth ultimately. Sally Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 21, 2005 Report Share Posted November 21, 2005 Hi Sally, When I received my 401k, they took out like 20%. However, I re-couped it all when I filed my taxes. I do them on line with H & R Block, and I'll check it out further. It isn't considered "income" and if you spend, I think over 7% in medical, you get it back. There were other reasons, too. You may know this already. Take care,Jane RE: Medicare Drug Co Even without tx my monthly medication costs out of pocket about $1,400.00. That's not including the costs for diabetes test strips. I know this because I lost my state insurance coverage in August. I've been living off my tiny 401-k savings since. They are gone now. Fortunately I've been able to get patient assistance for nearly all the drugs. If I get my SSI I will lose that patient assistance, I understand, because there is drug coverage in the state Medicaid. However, most of my medications are not on the state formulary, and they won't pay for anything off the formulary, no matter the "medical necessity". Come the Medicare Part D thing I understand that the Medicaid drug coverage goes away entirely. That's my understanding. Forcing the State Medicaid folks to take the Part D thing. If I time it right, and my SSI doesn't come in before the change, I'll remain elligible for Patient Assistance. Because the Feds have struck deals with all the drug mfg folks that they will NOT allow any patient assistance if there is ANY drug coverage through any insurance at all. Oh, I think most, if not all, of the Part D coverage covers only up to about $2,000 or 3,000 in drugs. Then they drop out completely for a LONG time. That's my understanding, I may be mistaken, and I may be (probably am) confused. But I believe there is a nasty kernel of truth in there. One that will break a lot of teeth ultimately. Sally Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 21, 2005 Report Share Posted November 21, 2005 Jane, Yes, I know. But I only had $5k in the 401-k. Its gone. But thanks. And its good information for anyone to know about the 401-k and need. Sally -----Original Message-----From: Hepatitis_C_Central [mailto:Hepatitis_C_Central ] On Behalf Of JaneSent: Monday, November 21, 2005 4:03 AMTo: Hepatitis_C_Central Subject: Re: Medicare Drug Co Hi Sally, When I received my 401k, they took out like 20%. However, I re-couped it all when I filed my taxes. I do them on line with H & R Block, and I'll check it out further. It isn't considered "income" and if you spend, I think over 7% in medical, you get it back. There were other reasons, too. You may know this already. Take care,Jane RE: Medicare Drug Co Even without tx my monthly medication costs out of pocket about $1,400.00. That's not including the costs for diabetes test strips. I know this because I lost my state insurance coverage in August. I've been living off my tiny 401-k savings since. They are gone now. Fortunately I've been able to get patient assistance for nearly all the drugs. If I get my SSI I will lose that patient assistance, I understand, because there is drug coverage in the state Medicaid. However, most of my medications are not on the state formulary, and they won't pay for anything off the formulary, no matter the "medical necessity". Come the Medicare Part D thing I understand that the Medicaid drug coverage goes away entirely. That's my understanding. Forcing the State Medicaid folks to take the Part D thing. If I time it right, and my SSI doesn't come in before the change, I'll remain elligible for Patient Assistance. Because the Feds have struck deals with all the drug mfg folks that they will NOT allow any patient assistance if there is ANY drug coverage through any insurance at all. Oh, I think most, if not all, of the Part D coverage covers only up to about $2,000 or 3,000 in drugs. Then they drop out completely for a LONG time. That's my understanding, I may be mistaken, and I may be (probably am) confused. But I believe there is a nasty kernel of truth in there. One that will break a lot of teeth ultimately. Sally Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 21, 2005 Report Share Posted November 21, 2005 Jane, Yes, I know. But I only had $5k in the 401-k. Its gone. But thanks. And its good information for anyone to know about the 401-k and need. Sally -----Original Message-----From: Hepatitis_C_Central [mailto:Hepatitis_C_Central ] On Behalf Of JaneSent: Monday, November 21, 2005 4:03 AMTo: Hepatitis_C_Central Subject: Re: Medicare Drug Co Hi Sally, When I received my 401k, they took out like 20%. However, I re-couped it all when I filed my taxes. I do them on line with H & R Block, and I'll check it out further. It isn't considered "income" and if you spend, I think over 7% in medical, you get it back. There were other reasons, too. You may know this already. Take care,Jane RE: Medicare Drug Co Even without tx my monthly medication costs out of pocket about $1,400.00. That's not including the costs for diabetes test strips. I know this because I lost my state insurance coverage in August. I've been living off my tiny 401-k savings since. They are gone now. Fortunately I've been able to get patient assistance for nearly all the drugs. If I get my SSI I will lose that patient assistance, I understand, because there is drug coverage in the state Medicaid. However, most of my medications are not on the state formulary, and they won't pay for anything off the formulary, no matter the "medical necessity". Come the Medicare Part D thing I understand that the Medicaid drug coverage goes away entirely. That's my understanding. Forcing the State Medicaid folks to take the Part D thing. If I time it right, and my SSI doesn't come in before the change, I'll remain elligible for Patient Assistance. Because the Feds have struck deals with all the drug mfg folks that they will NOT allow any patient assistance if there is ANY drug coverage through any insurance at all. Oh, I think most, if not all, of the Part D coverage covers only up to about $2,000 or 3,000 in drugs. Then they drop out completely for a LONG time. That's my understanding, I may be mistaken, and I may be (probably am) confused. But I believe there is a nasty kernel of truth in there. One that will break a lot of teeth ultimately. Sally Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 21, 2005 Report Share Posted November 21, 2005 Jane, Yes, I know. But I only had $5k in the 401-k. Its gone. But thanks. And its good information for anyone to know about the 401-k and need. Sally -----Original Message-----From: Hepatitis_C_Central [mailto:Hepatitis_C_Central ] On Behalf Of JaneSent: Monday, November 21, 2005 4:03 AMTo: Hepatitis_C_Central Subject: Re: Medicare Drug Co Hi Sally, When I received my 401k, they took out like 20%. However, I re-couped it all when I filed my taxes. I do them on line with H & R Block, and I'll check it out further. It isn't considered "income" and if you spend, I think over 7% in medical, you get it back. There were other reasons, too. You may know this already. Take care,Jane RE: Medicare Drug Co Even without tx my monthly medication costs out of pocket about $1,400.00. That's not including the costs for diabetes test strips. I know this because I lost my state insurance coverage in August. I've been living off my tiny 401-k savings since. They are gone now. Fortunately I've been able to get patient assistance for nearly all the drugs. If I get my SSI I will lose that patient assistance, I understand, because there is drug coverage in the state Medicaid. However, most of my medications are not on the state formulary, and they won't pay for anything off the formulary, no matter the "medical necessity". Come the Medicare Part D thing I understand that the Medicaid drug coverage goes away entirely. That's my understanding. Forcing the State Medicaid folks to take the Part D thing. If I time it right, and my SSI doesn't come in before the change, I'll remain elligible for Patient Assistance. Because the Feds have struck deals with all the drug mfg folks that they will NOT allow any patient assistance if there is ANY drug coverage through any insurance at all. Oh, I think most, if not all, of the Part D coverage covers only up to about $2,000 or 3,000 in drugs. Then they drop out completely for a LONG time. That's my understanding, I may be mistaken, and I may be (probably am) confused. But I believe there is a nasty kernel of truth in there. One that will break a lot of teeth ultimately. Sally Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 21, 2005 Report Share Posted November 21, 2005 I don't think that's true. They're saying if you don't choose now, you may pay more if you wait till later and one can change their coverage provider once a year only. A laugh a day keeps the blues away. Sharon Re: Medicare Drug Co Hi Johanna I will not be signing up for medicare drug coverage as it would take away what I have that cost's me nothing. I hope everyone really looks at this as for some like myself it would be very detrimental to sign up..Johanna wrote: Hi, Just caught the end of a television show discussing Medicare drug coverage. There’s a new plan out there, and it’s supposed to cover a wide range of services and people. Check out www.medicare.gov and let us know what you think (Pros, Cons, and otherwise). I’ll be checking it out, but I don’t know enough about the different conditions that may or may not be affected by it. So check it out and tell us what you think. Johanna ---------------------------------------------------------------Johanna Koskinen - Director/Outreach CoordinatorToll-free hotline:1.888.436.HEP C (4372)Local: 1./ Email: johanna@...Website: http://www.hepcmo.org From: Hepatitis_C_Central [mailto:Hepatitis_C_Central ] On Behalf Of KATHRINE SWANSONSent: Wednesday, October 26, 2005 12:01 PMTo: Hepatitis_C_Central Subject: Re: Re: Starting TX this week--Q help needed Gav,I was start treatment this week, also. I had a braininjury (bumped my head a few places back in May) andhave trouble knowing what is from the brain injury andwhat is from the hep c. Saw my Gastro yesterday and wedecided to wait because my labs came back good and hedoes not feel there is a rush. Please keep me informedand what helps you through so when I do go throughtreatment. You go girl! I will be thinking of you.Kathy Jackie Jackie Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 21, 2005 Report Share Posted November 21, 2005 I don't think that's true. They're saying if you don't choose now, you may pay more if you wait till later and one can change their coverage provider once a year only. A laugh a day keeps the blues away. Sharon Re: Medicare Drug Co Hi Johanna I will not be signing up for medicare drug coverage as it would take away what I have that cost's me nothing. I hope everyone really looks at this as for some like myself it would be very detrimental to sign up..Johanna wrote: Hi, Just caught the end of a television show discussing Medicare drug coverage. There’s a new plan out there, and it’s supposed to cover a wide range of services and people. Check out www.medicare.gov and let us know what you think (Pros, Cons, and otherwise). I’ll be checking it out, but I don’t know enough about the different conditions that may or may not be affected by it. So check it out and tell us what you think. Johanna ---------------------------------------------------------------Johanna Koskinen - Director/Outreach CoordinatorToll-free hotline:1.888.436.HEP C (4372)Local: 1./ Email: johanna@...Website: http://www.hepcmo.org From: Hepatitis_C_Central [mailto:Hepatitis_C_Central ] On Behalf Of KATHRINE SWANSONSent: Wednesday, October 26, 2005 12:01 PMTo: Hepatitis_C_Central Subject: Re: Re: Starting TX this week--Q help needed Gav,I was start treatment this week, also. I had a braininjury (bumped my head a few places back in May) andhave trouble knowing what is from the brain injury andwhat is from the hep c. Saw my Gastro yesterday and wedecided to wait because my labs came back good and hedoes not feel there is a rush. Please keep me informedand what helps you through so when I do go throughtreatment. You go girl! I will be thinking of you.Kathy Jackie Jackie Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 21, 2005 Report Share Posted November 21, 2005 Yep,, I dont think even THEY know how it works,, lol,, IM glad I dont HAVE to choose cuz I dont think I could! jaxSHARON CROSBY wrote: I don't think that's true. They're saying if you don't choose now, you may pay more if you wait till later and one can change their coverage provider once a year only. A laugh a day keeps the blues away. Sharon Re: Medicare Drug Co Hi Johanna I will not be signing up for medicare drug coverage as it would take away what I have that cost's me nothing. I hope everyone really looks at this as for some like myself it would be very detrimental to sign up..Johanna wrote: Hi, Just caught the end of a television show discussing Medicare drug coverage. There’s a new plan out there, and it’s supposed to cover a wide range of services and people. Check out www.medicare.gov and let us know what you think (Pros, Cons, and otherwise). I’ll be checking it out, but I don’t know enough about the different conditions that may or may not be affected by it. So check it out and tell us what you think. Johanna ---------------------------------------------------------------Johanna Koskinen - Director/Outreach CoordinatorToll-free hotline:1.888.436.HEP C (4372)Local: 1./ Email: johanna@...Website: http://www.hepcmo.org From: Hepatitis_C_Central [mailto:Hepatitis_C_Central ] On Behalf Of KATHRINE SWANSONSent: Wednesday, October 26, 2005 12:01 PMTo: Hepatitis_C_Central Subject: Re: Re: Starting TX this week--Q help needed Gav,I was start treatment this week, also. I had a braininjury (bumped my head a few places back in May) andhave trouble knowing what is from the brain injury andwhat is from the hep c. Saw my Gastro yesterday and wedecided to wait because my labs came back good and hedoes not feel there is a rush. Please keep me informedand what helps you through so when I do go throughtreatment. You go girl! I will be thinking of you.Kathy Jackie Jackie Jackie Quote Link to comment Share on other sites More sharing options...
Recommended Posts
Join the conversation
You are posting as a guest. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.