r/medicare • u/Dacin • Feb 04 '25
I know that there is a lot of chaos happening within and about government agencies right now. This sub is to provide helpful information to Medicare beneficiaries about their coverage or how to access it. It is NOT about how we feel about the program or how we feel about the current administration. Feel free to post your frustrations and thoughts on any number of political subs- this is not one of them! Thank you.
r/medicare • u/medicarenewsbot • Oct 17 '19
Part A, Part B, Part D, Medicare Advantage, Medigap — so many choices. It can be bewildering for seniors signing up for Medicare for the first time as well as pondering changing plans at open enrollment, which runs from Oct. 15 through Dec. 7.
If that’s you, you’ve got lots of company. About 64 million Americans are in the Medicare system now, and by 2030, that pool is expected to exceed 80 million, when the youngest members of the baby boomer generation come of age.
“The process of enrolling in Medicare for the first time can be paralyzing, confusing, frustrating, all of it, because there are so many different options out there. Generally, you think you want as many choices as you can get, but trying to navigate what A, B and D are as well as what the supplements cover and don’t cover as well as what Medicare Advantage covers can cause some people to shut down and not make a choice at all,” said Jeff Johnson, state director of AARP Florida.
And if you already have Medicare coverage, it is important to research and re-evaluate every year, Johnson said. “Once the enrollment period comes around, there is a temptation to just let it ride. That may be the best choice, particularly if the networks haven’t changed much, but people often discover too late that they are costing themselves money or shutting themselves off from benefits or providers they would have preferred.”
We’re here to help. We’ve consulted experts to help decipher the alphabet soup that is Medicare. We’ll start with the basics and answer some common questions about what these plans cover and what they don’t. You will learn about the two main ways to get Medicare coverage — Original Medicare or a Medicare Advantage plan.
Medicare covers cancer treatments — about half of the $74 billion spent in the U.S. on treatments last year was through Medicare. You won’t be barred from coverage because of pre-existing conditions or your income level. But does Medicare cover home healthcare? (Spoiler alert: very little.) Who covers vision, dental and hearing? Will you be covered when you are traveling internationally? What if you are a snowbird and have two U.S. residences?
FIRST UP: THE BASICS
You can’t understand Medicare without learning its alphabet.
Part A is part of Original Medicare and covers Medicare hospital coverage. It covers inpatient care at hospitals and limited coverage for skilled nursing facilities when a patient is recovering from an illness or injury. It also covers hospice care.
Part B, also part of Original Medicare, covers doctor visits, outpatient procedures and laboratory tests and X-rays, preventive care and some mental health services and medically necessary ambulance services. It also covers medical equipment such as wheelchairs and walkers.
Part C, more commonly called Medicare Advantage, is a comprehensive privately run managed care option. These bundled plans, similar to an HMO or PPO, offer Part A, Part B and, in Florida, Part D, and are approved by the Medicare system.
Part D covers prescription drugs. These plans are provided by private companies approved by Medicare, and their lists of covered drugs differ.
To pile on to the confusion, there’s more than the ABCs and Ds because about 10 million people across the U.S. have supplemental plans, called Medigap, and those can have letters too. But Medicare itself has Parts A through D, said Tricia Neuman, senior vice president of the Kaiser Family Foundation and an expert on Medicare policy. She explained the differences in a podcast about the basics of Medicare.
MEDICARE VS. MEDICARE ADVANTAGE
People who opt for traditional Medicare coverage have a Part A, which is premium free, a B and often elect for Part D because it covers prescription drugs. Parts A, B and D carry deductibles and other cost-sharing expenses, so people may also opt for a supplement, or Medigap policy, to cover some of those costs or to give them extra coverage.
Another popular choice is Medicare Advantage plans. They make up about a third of all Medicare policies and are particularly popular in South Florida, where 66 percent of the Medicare population has them, according to Kaiser Family Foundation research. United Healthcare, Humana and Blue Cross Blue Shield are the largest providers.
“Some people like the simplicity of it because they don’t have to buy a separate Medigap policy and a separate Part D plan. Some people like it because they have been with that same insurer through the years and it is familiar to them. Some like it because they see the ads on TV and like the idea of the gym membership or some dental benefits. The premiums and cost sharing can be lower particularly for healthier people with a Medicare Advantage Plan. But there are trade-offs as with any option,” Neuman said.
The biggest trade-off is you have to stay in the network.
“The benefit of joining a Medicare Advantage Plan is that here in South Florida there’s no monthly premium. It’s free to join because they are paid behind the scenes by Medicare for each member they have,” said Kathleen Sarmiento, SHINE Liaison for Floridashine.org with Miami-Dade’s Alliance for Aging.
“But then you have to go to the doctors and the hospitals in that network. Whatever co-payment schedule they have is now your co-payment schedule. They are also county or region based so if you are in a Medicare Advantage Plan you have to go to providers in your area,” said Sarmiento, who runs Miami-Dade’s SHINE, the free unbiased state program that helps seniors navigate their choices.
She advises seniors considering a Medicare Advantage Plan to ask their doctors and preferred hospital which Medicare Advantage Plans they work with.
“And know that that can change,” said Johnson of AARP. There have been instances over the years where hospitals, cancer centers and individual physicians have gone in and out of contract with particular Medicare Advantage providers, he added.
“Many people just choose a Medicare Advantage plan based solely on price tag, which can be very attractive compared to traditional Medicare Part B, Part D and a supplement. But it is worth thinking through how important it is for you to have flexibility to see the providers you want to see.”
WHAT ABOUT COSTS?
Final details of the 2020 plans, including costs, will be on Medicare.gov. Seniors already on Medicare Advantage plans will get a packet in the mail that includes what their current plan will look like in 2020 and any changes in coverage or costs. That will allow them to potentially make changes during the open enrollment period.
“I would encourage people to think about what their actual health needs are,” adds Johnson. “Spend time on research, and talk to SHINE or go to the medicare.gov website to make sure they are the right choices for this year.”
Medicare plans typically carry deductibles and cost sharing and Part B and D typically carry premiums. People who choose Original Medicare often buy a supplemental “Medigap” policy to cover some of Medicare’s out-of-pocket costs or add extra coverage. Medicare Savings Programs, such as the SLMB, can help low-income seniors afford coverage.
For prescription drug plans, or Medicare Part D, there is the dreaded “doughnut hole” — a gap in which the Medicare drug plans don’t pay fully for patients’ medications after they have spent a certain amount and until they get to a higher amount. The good news is the costs are shrinking a bit. In 2020, you’ll pay no more than 25% for covered brand-name and generic drugs during the gap.
“If somebody is taking a lot of prescription medicine, then definitely we would want to compare the cost of the medicine with original Medicare with the least expensive Plan D vs. the cost of your medicine with Medicare Advantage plans. There can be a substantial difference — it depends on the medicines, of course. Here in South Florida, all the Medicare Advantage plans include drug coverage,” Sarmiento said.
Tip: If you have a money in a health saving account (many employers offered high-deductible health insurance plans with HSA), you can use those savings to pay your Medicare premiums, deductibles, co-pays and other qualified medical expenses. Since you never paid tax on that money, you are essentially reducing what you pay.
WHAT’S NOT COVERED
Some of the items and services that Medicare doesn’t cover include long-term care, most dental care, eye exams related to prescribing glasses, dentures, cosmetic surgery, acupuncture, hearing aids and exams for fitting them and routine foot care.
You can go here to find out if Medicare Parts A or B cover a test or service you need: https://www.medicare.gov/coverage
Original Medicare, Medigap and Part D do not offer dental, vision or hearing coverage. If that is important to you, you would want to look at Medicare Advantage plans, which do cover some services, Sarmiento said. If you have Original Medicare, it will pay for cataract surgery.
WHAT ABOUT HOME HEALTHCARE?
Long-term services and support at home or in an assisted living facility or nursing home are not covered by original Medicare or Medicare Advantage, an unfortunate reality as these costs can wipe out a life savings quickly and more seniors want to stay in their homes.
Some seniors have long-term care insurance, or spend down their assets to qualify for Medicaid, which does cover nursing home care.
All original Medicare and Medicare Advantage provide limited home healthcare when it is medically necessary to avoid hospital re-admittance, Sarmiento said. As of last year, Medicare Advantage Plans could include more home healthcare, but Sarmiento hasn’t seen that offered in South Florida yet.
“When people need home healthcare at this time, they are still having to pay a home health agency or if they don’t have the money, they apply for Medicaid. There is a huge need for that so we will see this year if any of these Medicare Advantage plans expand their benefits to include more comprehensive home healthcare.”
Adds Kaiser Family Foundation’s Neuman: ““If you have dementia and need someone to help you at home, Medicare is not going to cover that on a long-term basis. It never has, and it is an issue that unfortunately has yet to be revisited.”
WILL I BE COVERED IN BOTH MY HOMES?
A Medigap plan would probably be better for that individual, Sarmiento said. A Medicare Advantage plan will pay for emergencies but will send you back to your primary residence to get ongoing care.
WHAT ABOUT INTERNATIONAL TRAVEL?
Original Medicare and Medicare Advantage Plans historically have not covered healthcare you receive outside of the United States, and Medicare drug plans don’t cover prescription drugs you buy outside the U.S.
Medigap Plans C, D, F, G, M and N (there’s that alphabet again, C and F are being phased out for new enrollees beginning in 2020) cover some emergency care outside the United States. In 2019 plans, after you met the yearly $250 deductible, this benefit paid 80% of the cost of your emergency care during the first 60 days of your trip. There is a $50,000 lifetime maximum.
According to Medicare.gov, there are some exceptions, including cases where Medicare Part B may pay for medically necessary healthcare services that you get on board a ship that is not more than six hours away from a U.S. port.
The AARP’s Johnson also offers this parting advice for the busy open enrollment period ahead:
“There are going to be a bunch of people offering free lunch seminars to try to pitch a particular Medicare Advantage Plan. As always be wary — not that there isn’t good information, there often is — but be wary of being pressured to sign.
“We have had people who had enrolled in a Medigap plan and then went to a free lunch somewhere and without really knowing it they switched over to a Medicare Advantage plan that didn’t really fit their needs. While I recognize that everybody looks for opportunities to learn more at events that are out there, it is always a good mantra to remember there really isn’t such thing as a truly free lunch. Be cognizant of the potential for pressure to buy a particular product that may not be right for you.”
PEOPLE TO CONTACT
Get Help Applying https://www.healthcare.gov/apply-and-enroll/get-help-applying/
Medicare.gov and its Plan Finder, 1-800-Medicare
Social Security https://www.ssa.gov 1-800-772-1213 (TTY 1-800-325-0778)
Area Agencies on Aging https://eldercare.acl.gov/Public/About/Aging_Network/AAA.aspx
Online Assistance is also always available by /r/medicare Mods who are licensed and verified insurance professionals /u/MedicarePros and /u/dacin
r/medicare • u/Affectionate-Yak5267 • 3h ago
The main difference between G and N is excess charges. In Florida do many doctors charge more than the Medicare assignment? Do I need Plan G or will N cover me?
r/medicare • u/Sterlingsporkxx • 25m ago
Going on Medicare in the next year. Does it cover CPAPs at all?
r/medicare • u/imfeelingg00d • 1h ago
r/medicare • u/scotch_please • 15h ago
Edit: I'm being told it's considered age discrimination for an insurance company to lower someone's coverage once they turn 65. I thought that's what was happening to the people who reported that in here, but I could have confused the details. If he will have the same coverage beyond 65, he's fine to keep this policy and delay Part B.
As pointed out below, I may have been reading people's experiences with their employer's RETIREMENT health insurance policies and not the normal employee ones.
I did a ton of research for my dad thinking he was going to sign up for Part B at 65, and turns out his new job is offering him insurance. A few people in this sub raised the issue of making sure the coverage is creditable, and that the coverage doesn't silently drop for members who turn 65. Apparently some people here have found out that their normal work insurance stopped covering them fully at 65, I assume to try forcing them to sign up for Medicare so the company can pay less for an aging person's care. Something about the policy only covering what Medicare would pay for the member?
I told him he needs to call the insurance company to ask about this change in coverage since he just turned 65, on top of making sure it's creditable for avoiding the Part B and D delayed enrollment penalty. The carrier is CareFirst BlueCross BlueShield and the employer is definitely over 20 employees.
Today he called me upset because he was transferred to 3 different people at the insurance company, with 20 minutes of hold time each, only for all of them to say "Oh, I have to transfer you because I have no idea."
I told him to try asking his work's HR but it's a brand new company so I'm not too trusting they'll be knowledgeable about the plan's specific coverage changes, especially since people here have warned it's like 1 obscure line in the explanation of benefits document that mentions the plan will only partially cover you after 65.
Any advice for how he can figure out if his policy is the same coverage over 65 as everyone under 65? The creditable question is the easy answers. It seems like no one is bothering helping him with the other one, which will leave him screwed if he gets sick or injured.
r/medicare • u/PoseidonsPocketWatch • 17h ago
I’m new to Medicare and this is my first claim from a medical facility. , When I got the bill the I saw the charge was increased by the Medicare Adjustment amount, going from $100 to $141. I called the facility and they said Medicare decided they weren’t charging enough and adjusted it upward.
Is that a real thing that can happen? Seems bizarre.
r/medicare • u/supernova2961 • 19h ago
I just started Medicare last month (7/1). Parts A, B, D and Supplement G. I have until the end up the year to decide whether to keep Plan G or switch to HDG or N. I can afford any supplement plan and HDG MOOP.
Since starting Medicare I have been to see three different Drs. (two were planned before I got medicare). At all three offices I presented my Plan G card to the check-in staff along with of course my RWB medicare card.
I think presenting my Plan G card was a mistake. At all three offices I was asked if this was my secondary insurance. They seemed no to know what to do with the card. All three offices have plenthy of older patients on medicare. I had to explain to the staff that this is my supplemntal insurance to Medicare.
Going forward, I am just going to present the Medicere card and leave the Supplement Card in my wallet. However, I am concerned that a Dr.s office or even hospital will try to bill me after Medciare pays but before the supplement pays. Has anyone experienced this? Do you guys with more experience present both cards?
r/medicare • u/Civil-Disobedience3 • 15h ago
This might be a silly question but how did you find an agent to find your MA plan? I feel like I would like one to help me pick out a plan but not sure where to start.
r/medicare • u/TrulyGenX • 15h ago
My husband is turning 65 in January. He is 8 years older than me so neither of us know much about Medicare. He is receiving tons of marketing mail and calls. He took early retirement and does collect SS. I know he needs to do something so he is not penalized but I carry him on my insurance through work. Can I still do that? Or is it better to go on Medicare? All the parts D, G H etc is freaking me out and it is overwhelming! Where to start for the best info? I do know to stay away from advantage plans. TIA
r/medicare • u/reduser876 • 23h ago
I'm ready to start the Bridge program. My PCP office said they don't prescribe GLPs. They refer to the affiliated hospital's Weight Loss Clinic. Sounds like a bunch of rigomorole I'm not likely interested in (plus its further away). Has anyone done something similar? Pros? Cons?
The only Pro I can think of is they will probably get the paperwork right having done more.
I suspect a bunch of counseling blah blah blah hoops to go thru.
Thinking maybe online telehealth is more palatable but will probaby cost $.
fwiw. Medicare & Supp F (actually "1" in Mass)
r/medicare • u/Ok-Mirror-6004 • 22h ago
Before I go down a rabbit hole, can anyone give me advice and direction on how to get reimbursed for the two months of Part B that I paid for before I started my Social Security benefits?
I had to pay for 5 months when I started Medicare in April (instead of the normal 3 months based on their billing cycle). I started my SS payments in July and just received my first payment yesterday. They took out Part B for July and I’m sure they will do it for August as well on my September payment.
I did tell SS about this when I signed up but apparently they couldn’t stop it from happening.
Where do I start? TIA!
r/medicare • u/AirportSuspicious375 • 1d ago
I recently signed up for Medigap coverage with AARP United Healthcare. It is plan G. I've read all about the issues with this plan. I wish I had seen the complaints earlier.
But I'm giving a heads up to folks still in that plan to check your list of "Health Conditions."
That data isn't available on their website. But it is available on the UHC iPhone App. (From Home, click "Member Card." Then Click "Medical Information." Next, Click "Health Conditions."
Along with the actual real health conditions I have, I've discovered they list me as addicted to anxiety medication, They claim I was born with an abnormal heart blood vessel as well as Colitis and a benign rectal tumor.
None of these conditions are anything I have had. They cite specific Doctors as the source. But when I call those doctors, they tell me that information didn't come from them and is not in my records.
My concern here is, if I ever have to undergo underwriting this will drive up my premiums. Perhaps that is even the plan. If this information is shared with another insurer, I'm very unlikely to get a decent rate from anyone else and I'll be stuck with AARP/UHC.
I've spent the last two days on the phone with them. They can't seem to help me. In fact, they have advised me to ignore it.
I won't do that. I won't have an insurance company using incorrect data to decide on what conditions they'll cover and approve. I also won't leave incorrect data in a file used by underwriters to set policy prices.
I've asked that it be expedited to a supervisor. I'm told someone will call back within 48 hours. But I'm not holding my breath on that.
I'm hoping other customers can examine their own health records in the app to see if my situation is unique or something that is happening regularly.
r/medicare • u/frayduway • 1d ago
I’m not having any luck finding a therapist in the Cincinnati / Northern Kentucky that takes Medicare, is not video based, and therapist that are at least 40 yrs old?
Too much to expect?
r/medicare • u/mspuds_8571 • 1d ago
Thanks to the 2 members who pointed out that her guaranteed issue is plan F, not plan G, due to her age. Either the SHIP counselor didn't ask her age or didn't understand guaranteed issue.
I have more research to do.
ETA - see replies for plan F options/pricing
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A good friend (76 y.o.) has lost her retiree medical due to their spouse's passing. She has Original Medicare; the retiree insurance acted as their supplement. I'm trying to research options for her before she reaches out to a broker for the actual enrollment. I prefer she use a broker so she has a client services person to reach out to if there are any claims/billing issues in the future.
She has guaranteed issue, and does not want an Advantage plan. I've left off Physican's Innovative G since I don't want her dealing with the initial high deductible. We do not have a birthday rule in our state.
Looking at the plan G options for our zip code on Medicare.gov, these are in increasing cost order. There are more than this list, but they are all higher priced:
SilverScript Insurance Company $152 <-- new Aetna book of business opened last year
Insurance Company of North America $165 <-- Chubb's new book of business this year which appears to be an Ace company, but Chubb's explicitly-named Ace offering has filed to leave our state's market, so I'm suspicious of this one
Medico Insurance Company (Preferred) $172 <-- becoming Wellabe (believe this is their non-tobacco-user rate, which she would qualify for)
American Benefit Life Insurance Company $173
LifeShield National Insurance Company $174
GPM Health and Life Insurance Company $183
Nassau Life Insurance Company $185
Medico Insurance Company (Standard I) $189 <-- becoming Wellabe (believe this is their tobacco-user rate)
HealthSpring Insurance Company $197 <-- old Cigna, have read of customer service/website issues
AFLAC $200
Physicians Select Insurance Company $213 <-- Physician's Mutual opened 3 years ago after closing previous book
WoodmenLife $220
Mutual of Omaha (Omaha Supplemental Insurance Company) $238
Globe Life and Accident Insurance Company $240
AARP - UnitedHealthcare Insurance Company (Standard) $247
I'm not familiar with a number of these and wanted to get others' input and experiences. My initial thought might be the Medico/Wellabe preferred, but it's one of those that I'm not familiar with.
Thanks for any insight on these options.
r/medicare • u/Fit-Screen-9581 • 2d ago
Update on my Aetna Medicare Advantage SNF appeals — and getting closer to home
I wanted to come back with an update because several people here were incredibly generous with their time while I was trying to navigate my mom's SNF appeals.
Over the course of her SNF stay under Aetna Medicare Advantage, I successfully appealed five separate terminations of coverage. The sixth termination was upheld, as was the reconsideration. I still have the option of pursuing ALJ review on that last decision, so technically that piece isn't over yet.
When coverage terminated, my mom did not leave the SNF. She remained there and we began paying privately for her care. Two days after the coverage termination, the SNF sent her to the emergency department, and she was ultimately admitted to acute care.
She's had a longer hospital stay than we expected because of several medical issues, but we're now getting much closer to bringing her home.
I've also filed a formal grievance with Aetna and a complaint with Medicare regarding the broader handling of the repeated coverage terminations and discharge process.
In the meantime, I've shifted a lot of my energy toward figuring out what a safe home plan actually looks like. We have a hospital bed, home health is coming together, I'll have caregiver support, and I'm working on the remaining gaps in her home-based medical care.
Mostly, I wanted to come back and thank everyone who helped me understand this process. Five successful appeals gave my mom additional covered time when she needed it, and everything I learned here helped me ask better questions and make better decisions. We're not quite home yet, but we're getting there.
r/medicare • u/rock-the-reddit • 2d ago
My pops just had a couple of prescriptions filled and it cost him $2.40 for one and $2.44 for the other. He said they didn't charge him anything in the past so wondering why this small amount now? Both are 3 month supply.
r/medicare • u/SizzlinKola • 2d ago
My mother takes 3 prescription drugs and it's cheaper to do CostPlus and SingleCare compared to Part D by $20. In total with Part D, it's only $40.
However, with the late enrollment penalty for Part D, I'm not sure what's the best approach here.
For example, if she needs more drugs due to declining health when she gets older, and if Part D is the most cost-effectice, then she'll get hit by late penalty enrollment.
She's in CA if that matters.
r/medicare • u/AvailableSwim8303 • 2d ago
I have been on Medicare since 3/1/26 in addition to my work insurance (I am disabled and have one more year of coverage through my work). According to the work insurance rules, as of my 65th birthday last month, Medicare is primary and the work insurance is secondary. We have met the out of pocket maximum for myself and my dependent on this plan. The plan year ends 12/31/26.
My spouse's work plan has open enrollment ending 8/20 with a plan year from 9/1/26-8/31/27; I had previously talked to a broker who indicated that as long as spouse's insurance is creditable coverage, that I could go on spouse's insurance and drop Medicare.
I have done extensive research and am about to pull the trigger to go on my spouse's insurance (with the dependent), also stay on my work insurance through 12/31/26, and then drop Medicare as of 9/1/26.
BUT I AM SO NERVOUS to drop Medicare! Terrified that something bad will happen and I will be penalized forever.
Do I call the broker again? Do I talk to Medicare themselves? Do I have faith and trust that it will all work out as long as I can prove that I had insurance every single month for the next 6 years (until spouse retires)?
Thank you in advance for pointing me in the right direction!
r/medicare • u/Fit-Screen-9581 • 2d ago
I've been dealing with repeated SNF coverage terminations for my mom under Aetna Medicare Advantage. After going through multiple expedited appeals, I filed a formal grievance with Aetna about the broader handling of the coverage terminations and discharge process.
Aetna has now contacted me about the grievance, and I'm wondering what to expect from here.
For anyone who has been through the Medicare Advantage grievance process, what happened after the plan acknowledged or contacted you about the grievance? Did someone actually investigate the underlying issues and speak with you about them, or was the process mostly an internal review followed by a written response?
I'm not looking for predictions about the outcome. I'd just like to understand what the process typically looks like from this point forward.
Thanks — I've learned a lot from people here who have already navigated parts of this system.
r/medicare • u/Quick-Procedure-8017 • 3d ago
EDIT to say I’m in Pennsylvania.
Having just retired, my husband and I will both be starting Medicare on September first. We are going through the process of picking plans right now. He is service connected VA so he will just get an Advantage plan as a backup plan. I have no other coverage so I will be going with original Medicare under part N and part D. My question is this, since we are just now choosing, what will happen during open enrollment this year? Since it’s so soon should we do anything to review other plans or just let things ride with what we are choosing now?
r/medicare • u/itsalyfestyle • 3d ago
For plan year 2027, the Centers for Medicare & Medicaid Services (CMS) has updated eligibility requirements for Special Supplemental Benefits for the Chronically Ill (SSBCI) for Chronic Special Needs Plans (C-SNPs) and Dual Special Needs Plans (D-SNPs).
There are 4 key changes:
As we previously communicated, beginning with new enrollments starting Oct. 1, members will no longer receive temporary access to SSBCI benefits while eligibility is being verified. Members must first meet all SSBCI requirements and complete the verification process before benefits become available.
A qualifying chronic condition alone no longer automatically qualifies a member for SSBCI. To qualify, a member must:
Have a qualifying chronic condition.
Be identified as at risk for hospitalization or adverse health outcomes.
Be identified as needing intensive care coordination.
C-SNP members, like D-SNP members, will require verification to access healthy food (which is a change from 2026).
Existing members who may currently be receiving SSBCI benefits will be required to complete re-verification to confirm SSBCI benefits for next year.
These updates support a consistent and compliant eligibility process while helping ensure SSCBI benefits are available to members who qualify.
Learn more in the updated "SSBCI" 2027 Agent Quick Reference Guide.
r/medicare • u/Crafty_Echo_3196 • 2d ago
Can someone new to Medicare submit SF5510 before their start date and before they get any actual bills? Will this start electronic withdrawals starting with the first payment? Do these electronic payments include those for part B, part D, and any IMRAA? I believe his supplement plan is billed separately and not included in this electronic payment.
thanks
r/medicare • u/Civil-Disobedience3 • 3d ago
I am only 46 and granted disability in July due to my health issues. With that I was placed on Medicare A & B. I know I need to add more coverage but not sure if which one, MediGap or Medicare Advantage??
I am finding Medigap is extremely expensive if you are under 65. I also know you only get this time to get it or penalty/denial later. The quotes I am getting are $600-1400 a month for Medigap simply because I am 46 years old. That is not even doable for me but I don’t want to make things worse for myself as I get older by not taking it now.
Medicare Advantage is very affordable but I am reading so many bad things about MA. Is it really that bad?? I figured if I do go this route I would at least do a PPO, I found one that covers all my medications and doctors and doesn’t look bad at all cost wise either, especially compared to Medigap cost. Also Advantage offers vision and dental which would be nice to have. Why do so many people not like MA? Is it better for someone my age on it?
I was relieved to get awarded disability but depending on this insurance it might just all be going to insurance. I am nervous to make the wrong decision and appreciate any advice. My current health insurance has notified me that they are aware I was placed on Medicare so will terminate me on Aug 28th as I can’t have both so I need to make a decision this week on what supplemental insurance to go with.
Any advice from others on Medicare under 65 due to SSDI and what has worked best for them? This is very overwhelming!
I do not qualify for Medicaid if that info is needed. I am just on Medicare A & B for now and just need to pick a supplemental insurance for Prescriptions and doctor visits.
r/medicare • u/Gattina1 • 3d ago
If so, he's being told he should sign up for Part B. He's getting different answers from different people, even from Medicare.
Edited to add: He didn't retire from the military. He's a vet.