Guest guest Posted March 24, 2004 Report Share Posted March 24, 2004 ---I only take part A that is for hospital only, because my husband has good medical ins. That might be part B as it is early and I cant find my card. Yes their is one time a year that you can change. The medicare people can give you more information about that. Carolyn In PLS-FRIENDS , " rosestone3 " <rosestone3@y...> wrote: > I have a question. I have BCBS insurance that pays 80% of my bill. > Recently, Social Security contacted me and said if I pay the back > premiums I can have medicare since 2002. First, I have to decide if > I want part A & B. With insurance, I don't know if I need both. Is > this a once in a lifetime choice? I need some personal PLS Group > input and experience here. What are the pros and con of B? > Thanks for your help, Quote Link to comment Share on other sites More sharing options...
Guest guest Posted March 24, 2004 Report Share Posted March 24, 2004 Thanks for your reply Carolyn. I like to get a birds eye view before I do anything. Donna > > I have a question. I have BCBS insurance that pays 80% of my > bill. > > Recently, Social Security contacted me and said if I pay the back > > premiums I can have medicare since 2002. First, I have to decide > if > > I want part A & B. With insurance, I don't know if I need both. > Is > > this a once in a lifetime choice? I need some personal PLS Group > > input and experience here. What are the pros and con of B? > > Thanks for your help, Quote Link to comment Share on other sites More sharing options...
Guest guest Posted March 24, 2004 Report Share Posted March 24, 2004 I work for a medical equipment company that deals with Medicare B. They will cover 80% of most equipment ie: walkers, canes, wheelchairs etc. If medicare is primary, then the co-payment will be billed to your BC/BS and they will pay anywhere to 80-100% of the copay (depending on your particular policy) and if you have what they call DME coverage on your policy. It can save you a lot of money in co-payments especially if you are in need of some expensive equipment ie: oxygen, CPAP's, beds etc. Do you have Medicare A? If so, then the co-payments for hospital stays, Dr. visits, MRI'S and anything else that Part A covers will also be sent the BC/BS for the same percentage of payment as Part B covers. Sometimes if you have a true supplemental policy they will pay for the entire copay and pick up your Medicare deductable which is about $100.00 and is applied at the first of every year. I hope this has been helpful. Medicare part A & B > I have a question. I have BCBS insurance that pays 80% of my bill. > Recently, Social Security contacted me and said if I pay the back > premiums I can have medicare since 2002. First, I have to decide if > I want part A & B. With insurance, I don't know if I need both. Is > this a once in a lifetime choice? I need some personal PLS Group > input and experience here. What are the pros and con of B? > Thanks for your help, > > > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted March 24, 2004 Report Share Posted March 24, 2004 -Donna, you are welcome. I just take the hospital because like I said, we do have good medical. My check isn't that big and I didn't want them taking any out of it for medical. Not now anyway. Carolyn-- In PLS-FRIENDS , " rosestone3 " <rosestone3@y...> wrote: > Thanks for your reply Carolyn. I like to get a birds eye view before > I do anything. > Donna > > > > I have a question. I have BCBS insurance that pays 80% of my > > bill. > > > Recently, Social Security contacted me and said if I pay the back > > > premiums I can have medicare since 2002. First, I have to decide > > if > > > I want part A & B. With insurance, I don't know if I need both. > > Is > > > this a once in a lifetime choice? I need some personal PLS Group > > > input and experience here. What are the pros and con of B? > > > Thanks for your help, Quote Link to comment Share on other sites More sharing options...
Guest guest Posted March 25, 2004 Report Share Posted March 25, 2004 Thanks Joanne, that helped bunches. I knew someone could put it in words that would be simple to understand. Donna > I work for a medical equipment company that deals with Medicare B. They > will cover 80% of most equipment ie: walkers, canes, wheelchairs etc. If > medicare is primary, then the co-payment will be billed to your BC/BS and > they will pay anywhere to 80-100% of the copay (depending on your particular > policy) and if you have what they call DME coverage on your policy. It can > save you a lot of money in co-payments especially if you are in need of some > expensive equipment ie: oxygen, CPAP's, beds etc. Do you have Medicare A? > If so, then the co-payments for hospital stays, Dr. visits, MRI'S and > anything else that Part A covers will also be sent the BC/BS for the same > percentage of payment as Part B covers. Sometimes if you have a true > supplemental policy they will pay for the entire copay and pick up your > Medicare deductable which is about $100.00 and is applied at the first of > every year. I hope this has been helpful. > Medicare part A & B > > > > I have a question. I have BCBS insurance that pays 80% of my bill. > > Recently, Social Security contacted me and said if I pay the back > > premiums I can have medicare since 2002. First, I have to decide if > > I want part A & B. With insurance, I don't know if I need both. Is > > this a once in a lifetime choice? I need some personal PLS Group > > input and experience here. What are the pros and con of B? > > Thanks for your help, > > > > > > > > > > > > Quote Link to comment Share on other sites More sharing options...
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