Re: Insurance / medicare question

[Guest guest]

Medicare would become your primary insurance and be billed first. Depending on

your BCBS policy they would pick up all or part of the 20% that Medicare holds

you responsible for. Medicare will only reimburse 80% on covered service.

Usually, if Medicare denies payment on something, BCBS would also deny it. The

best advice I can give you is to check with BCBS and see what your specific

policy is ie: is it a supplemental policy.

Insurance / medicare question

> I was asked about changing my BCBS insurance to a supliment since

> I

> now have medicare. Does anyone have pos. - neg. feedback on the

> difference?

> Thank You,

> Donna

>

>

>

>

[Guest guest]

I have a private policy that pays 80%. Would a supliment cover as

much and be cheeper?

Donna

> Medicare would become your primary insurance and be billed first.

Depending on your BCBS policy they would pick up all or part of the

20% that Medicare holds you responsible for. Medicare will only

reimburse 80% on covered service. Usually, if Medicare denies

payment on something, BCBS would also deny it. The best advice I can

give you is to check with BCBS and see what your specific policy is

ie: is it a supplemental policy.

>

>

>

>

> Insurance / medicare question

>

> > I was asked about changing my BCBS insurance to a supliment since

> > I

> > now have medicare. Does anyone have pos. - neg. feedback on the

> > difference?

> > Thank You,

> > Donna

> >

> >

> >

> >

[Guest guest]

---Donna, If you are on disability social security, you can take

medicare which will pay the 80% that you bcbs pays. I think you said

you had bcbs. They will deduct a certain amount from your s.s. for

this. I think it is around $35 per month. Then you can convert your

bcbs to pick up the 20%. Our bcbs secondary is about a grand + or -

a year.depending on what suppliment you choose and your age. We pay

nothing but the cost of the insurances. If you follow the rules and

your Dr. knows the rules. I would call or see your s.s. office first

and verify if this fits your case. Then see BCBS.

Hope this will help you and not confuse you. I keep a log on both of

us. Every DR vist,lab work and what was done and what was paid. Also

if med.refuses payment bcbs will also. Have you Dr. refile, they

make mistakes all the time. That is why I keep records.

Byron and - FL

In PLS-FRIENDS , " rosestone3 " <rosestone3@y...>

wrote:

> I have a private policy that pays 80%. Would a supliment cover

as

> much and be cheeper?

> Donna

>

>

> > Medicare would become your primary insurance and be billed

first.

> Depending on your BCBS policy they would pick up all or part of

the

> 20% that Medicare holds you responsible for. Medicare will only

> reimburse 80% on covered service. Usually, if Medicare denies

> payment on something, BCBS would also deny it. The best advice I

can

> give you is to check with BCBS and see what your specific policy

is

> ie: is it a supplemental policy.

> >

> >

> >

> >

> > Insurance / medicare question

> >

> > > I was asked about changing my BCBS insurance to a supliment

since

> > > I

> > > now have medicare. Does anyone have pos. - neg. feedback on

the

> > > difference?

> > > Thank You,

> > > Donna

> > >

> > >

> > >

> > >

[Guest guest]

Thanks, yes it does help. It sounds like it picks up where the

medicare leaves off - much cheaper too.

Donna

> > > Medicare would become your primary insurance and be billed

> first.

> > Depending on your BCBS policy they would pick up all or part of

> the

> > 20% that Medicare holds you responsible for. Medicare will only

> > reimburse 80% on covered service. Usually, if Medicare denies

> > payment on something, BCBS would also deny it. The best advice I

> can

> > give you is to check with BCBS and see what your specific policy

> is

> > ie: is it a supplemental policy.

> > >

> > >

> > >

> > >

> > > Insurance / medicare question

> > >

> > > > I was asked about changing my BCBS insurance to a supliment

> since

> > > > I

> > > > now have medicare. Does anyone have pos. - neg. feedback on

> the

> > > > difference?

> > > > Thank You,

> > > > Donna

> > > >

> > > >

> > > >

> > > >

[Guest guest]

Thanks Melinda, that price sounds more affordiable.

Donna

> > ---Donna, If you are on disability social

> > security, you can take

> > medicare which will pay the 80% that you bcbs pays.

> > I think you said

> > you had bcbs. They will deduct a certain amount from

> > your s.s. for

> > this. I think it is around $35 per month. Then you

> > can convert your

> > bcbs to pick up the 20%. Our bcbs secondary is about

> > a grand + or -

> > a year.depending on what suppliment you choose and

> > your age. We pay

> > nothing but the cost of the insurances. If you

> > follow the rules and

> > your Dr. knows the rules. I would call or see your

> > s.s. office first

> > and verify if this fits your case. Then see BCBS.

> >

> > Hope this will help you and not confuse you. I keep

> > a log on both of

> > us. Every DR vist,lab work and what was done and

> > what was paid. Also

> > if med.refuses payment bcbs will also. Have you Dr.

> > refile, they

> > make mistakes all the time. That is why I keep

> > records.

> >

> > Byron and - FL

> >

> >

> >

> >