|
Medicare Supplemental Insurance |
|
|
My question is pertaining to medicare supplemental insurance. Even though a person has medicare part A and B, a supplemental insurance is necessary (called medi-gap). There is also something called medicare advantage HMO and PPO. I don't know if it would be better to select the medicare advantage plan (whether the HMO or PPO) along with medicare B, or if I would be better off selecting a supplemental plan (medi-gap) like AARP, or what plan to choose. Of course, now there is also medicare part D? What a decision. Does anyone have any advice on what supplemental plan they would choose? Also, I don't really know how the medicare advantage plan works? Thanks for any replies.
P.J. from Delaware
|
|
|
|
|
|
|
 |
|
RE: Medicare Supplemental Insurance
|
Post By Claudia-MD (Guest Post)
(05/18/2006)
|
|
I know it's bewildering! Part D is only pharmacy. To choose a MediGap plan, I would suggest that you go to the Medicare website, www.medicare.gov. You should find lots of information to guide your choice. You might also call your state's SHIP (State Health Insurance Assistance Program), a program that offers local one-on-one counseling and assistance to people with Medicare. Best of luck!
RE: Medicare Supplemental Insurance
|
Post By Eletha Cole (Guest Post)
(05/17/2006)
|
|
After meeting with an insurance man to determine which company would be best for myself, husband and mother, we were really in the dark. I called Medicare and they talked to me for over 30 minutes, answering all my questions. You give them the information about your medication you take, dosage, etc, and they will tell you which insurance company will cover all or the most of your meds. You can sign up with the insurance company with the person over the phone at Medicare. But I suggest you call that insurance they recommended and make sure all the information is correct that you received from Medicare. There was one insurance company that has no medi-gap and they covered all the meds. Then make sure you take notes and when you receive the packet from them, read to be sure everything is as they say. Good luck.
RE: Medicare Supplemental Insurance
|
Post By hwalz (Guest Post)
(05/17/2006)
|
|
try Medicare.gov for information
RE: Medicare Supplemental Insurance
|
Post By brendalu (Guest Post)
(05/17/2006)
|
|
I work in a doctor's office and am amazed at what these people have been promised and never get. They send in the money and then are denied most claims. Please, please if you find an insurance company that doesn't add up report them to the insurance commissioner!!! Don't let them get away with it. Secure Horizons Direct is one that comes to mind that you SHOULD STEER AWAY FROM!!! This patient was promised the world and gets nothing. Be very careful. Most patients would have been better off going with something straight from Medicare.
RE: Medicare Supplemental Insurance
|
Post By Pat (Guest Post)
(05/17/2006)
|
|
This is tough stuff to decide. I work as a hospital social worker and regularly refer people to our state insurance department where they have a person who specializes in senior issues such as supplements, part D, etc. Most state offices have a toll free line so you don't have to pay long distance. I've found these counselors to be wonderful. Good luck!
|
|
|
|
| Login using the form on the top of the page to post feedback if you have registered with ThriftyFun. If you have not yet registered, click here. It's FREE!. If you are not registered you can post feedback as a guest below. Please don't use your email address for your name because spam robots can dredge it from our site. Please do not post your feedback more than ONCE. We need to approve all guest feedback and it may take from minutes to hours for that to happen. |
 |
|
|
|
|
|
|
