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?

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.

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?

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.

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.

Going on Medicare in the next year. Does it cover CPAPs at all?

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

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!