The Medicare Thread

[Harry]

Maggots be getting old. Multiple maggots are currently age 64, and several will be going on Medicare soon. I’m one of them.

This thread is for factual information about Medicare, including supplemental plans, Part D drug plans, and Medicare Advantage. This shit is confusing….

NO POLITICS !

Our very own Cono Este is an expert on this stuff. Hopefully he will participate in this thread and help guide us elderly maggots through this process.

[stealurface831]

They can help with a drug plan.

[Talisman]

Medicare is easy as it has four (4) parts. Parts A and B are straightforward. Part D has lots of options for a medications including a comprehensive if expensive plan marketed by Stealurface Pharmaceuticals which is based in NC. What was once called part C is only confusing if you listen to an old NFL quarterback on those TV ads. The so called Medicare Advantage is basically a supplement to parts A and B with a managed care approach meaning you have to use "in network" providers our pay a differential. There is also supplemental insurance which costs more than advantage but has more flexibility on medical providers and also some plans have coverage for foreign travel.

The devil is in the details.

This shit is confusing

[Iowagriz]

When is a person eligible for Medicare? 65? Jan of the year you turn 65? Or, on the birthrate or later?

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[Conundrum]

You have a four month span with your 65th b-day in the middle to enroll. Then open enrollment in the fall. There are more specific situations but that two month pre post b-day is the general rule. Cono is the knowledgeable one around these parts though.

[Mazderati]

That's not something you hear every day.

[Timberridge]

Hey you kids, get off my island!

[Talisman]

The coverage starts the first of the month a person turns 65 provided enrollment is complete. Medicare can be applied for 3 months before turning 65 and a Medicare card is needed for applying for part D and supplemental or advantage plans. The Medicare application can be made via the Social Security website.

When is a person eligible for Medicare? 65? Jan of the year you turn 65? Or, on the birthrate or later?

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[Beder]

I started the process in May before becoming eligible in July. It was fairly simple and then I had my local insurance specialist walk me through the options.

I was inclined to reject the drugs bit as I don't recall ever having a prescription, but she convinced me it was cheap insurance to take it.

[Talisman]

As your agent explained there is a penalty for late enrollment in Medicare part D. There is also a financial penalties for late enrollment in Medicare parts A and B for procrastinators.

I was inclined to reject the drugs bit as I don't recall ever having a prescription, but she convinced me it was cheap insurance to take it.

[Danno]

Glad I won't need to check in here for another decade!

[JimmyCarter]

This thread smells like Bengay

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[frorider]

I was inclined to reject the drugs bit as I don't recall ever having a prescription, but she convinced me it was cheap insurance to take it.

Modern health care is dominated by prescription drug treatments. Is there any medical issue a 65 yr old typically gets that doesn’t involve Rx drugs?

[CTR]

broken bones and cancer still typically involve prescription drugs....let alone hypertension, diabetes, heart disease etc

[bigdude2468]

broken bones and cancer still typically involve prescription drugs....let alone hypertension, diabetes, heart disease etc

The sign up process is really easy, much easier than going to the DMV.

We have an Aetna Medicare Advantage plan and its great. Includes drug coverage, $300 allowance for glasses or contacts, $1500 for dental which you can use at the DDS of your choice. Use one of their in network providers and the cost is about 50% less. My wife's DDS was in network so she did not have to change anything and the cost for services went way down. Mine was not in network so I changed to hers, I hate all DDS anyway, I always feel like they are ripping me off. As far as in network medical providers they have plenty of coverage nationwide. I know everybody loves their Dr but 50% of them graduated in the bottom half of their class.