Posted by ConnieAZ on 11/2/2009, 11:36 am |
- Re: Medicare
Posted by CarolCA on 11/2/2009, 6:01 pm, in reply to "Medicare"
98.248.53.53Connie, did you have an HMO (Medicare advantage plan or a supplement) I am guessing Medicare advantage. If you take another Medicare Advantage program the deductible will be different depending on the plan. Some plans have a deductible for Emergency room and hospital as well as a per day for hospital. There is a lot of checking out to do. Supplements are easier to check out as Plan F in one place is usually the same as Plan F in another. They can have more benefits but they have a minimum that Medicare has standardized. Many of the hospitals have people that work with people in finding the best plan for them. - Re: Medicare
Posted by ConnieAZ on 11/3/2009, 1:33 am, in reply to "Re: Medicare"
69.21.1.195An advantage plan. None are available where we are going except with a large monthly premium. So thought it might be just as well to go back to straight medicare instead of feeding the insurance company more than I have to. They have been paying for less every year as it is. And everything with us is times 2. - Re: Medicare
Posted by Luke on 11/2/2009, 11:58 am, in reply to "Medicare"
63.131.224.247No, the $1000+/- deductible does not apply to the ER, nor is there a deductible for the ER.
That assumes you have at least a Plan "A" gap insurance for the 20% Medicare does not pay. - Re: Medicare
Posted by JoeO FL on 11/2/2009, 1:41 pm, in reply to "Re: Medicare"
98.64.209.76The $1000 that Luke spoke of is per "benefit period', and that period is sixty days long. When you are discharged from the hospital begin to count off the days. Should you again be hospitalized before 60 days have passed, then there is no first day $1000 deductible for the second visit. The booklet, "Medicare and You 2010" has already been mailed out. If you have not received a copy, call up and request one.
JoeO
- Re: Medicare
Posted by ConnieAz on 11/2/2009, 1:32 pm, in reply to "Re: Medicare"
69.21.1.195Thank you so much. - Re: Medicare
Posted by lenal
on 11/2/2009, 5:47 pm, in reply to "Re: Medicare"
71.237.128.133Connie AZ - medigap supplement Plan F picks up the deductibles - and a number of forum members have mentioned having it. I do.
What surprised me when I moved two months ago from AZ to Oregon, was that Part D required reapplication and separate notification than medicare A&B. Go figure.
lenal - Re: Medicare
Posted by nancy a on 11/3/2009, 9:27 am, in reply to "Re: Medicare"
68.239.34.221I was on the phone yesterday all day got passed around like a yoyo not 1 person at medicare new what the ---- they were talking about. i got disconected twice/ by days end i was told to call mass health to see if they were still paying my premium for my uni care (part d) and they said yes as far as they knew. all plans up here change from year to year. thats if you have to be at the mercy of the gov. - Re: Medicare
Posted by John O. on 11/3/2009, 10:25 am, in reply to "Re: Medicare"
69.129.197.8I try to look at it this way. When my parents turned 65 there was no Medicare. They just kept on working and hoped to have enough bucks to pay for what passed then for health insurance. - Re: Medicare
Posted by JoeO FL on 11/3/2009, 10:49 am, in reply to "Re: Medicare"
98.77.252.46John, even when you and I were kids, there was no medical insurance. Or if there was we could not afford it. In 1935 I had an appendectomy done and spent my hospital days at St. Francis Hospital in the South Bronx in the children's ward with about 20 other kids.
JoeO - Re: Medicare
Posted by Martha on 11/3/2009, 12:13 pm, in reply to "Re: Medicare"
68.12.160.104I had my tonsils out when I was 7 (1945). It was done on an outpatient basis, ether for anesthesia (gag!!!) and a bed in the hall for recovery. Good times. An even better time was my birth in 1938. I arrived with the cord around my neck. I had to have supplemental oxygen (how ironic is that!) so they rigged up an oxygen tent in a drawer (do-it-ourself incubator). Bloody miracle I have a brain and can see after that! - Re: Medicare
Posted by John O. on 11/3/2009, 12:21 pm, in reply to "Re: Medicare"
69.129.197.8I've still got the bill for my birth in 1937, in New York City (a high-priced place, then as now). It was $75.00, plus ten cents for a phone call.My parents paid it off in installmnts of $10. And tonsils--yes. Didn't everyone have to get them taken out? - Re: Medicare
Posted by Luke on 11/3/2009, 4:09 pm, in reply to "Re: Medicare"
63.131.224.247Yep, tonsils and adenoids at about 7 years old.
When our twin daughters were born in 1958 we had BC/BS, which cost $7.50 a month and was hard to pay. Twins were 6 weeks early and weighed just 2 lbs something. Stayed 30 days in incubators. Total bill including delivery was $900. BC/BS paid it all....a major blessing, because that would have sent us into bankruptcy. - Re: Medicare
Posted by JoeO FL on 11/3/2009, 4:46 pm, in reply to "Re: Medicare"
98.77.252.46Luke, glad you posted that, and a story with a happy ending. For years I have been having a discussion with someone, about what BC/BS coverage was back in the "fifties" for family coverage. I kept claiming that it was only about $8/month and no one would believe me, so now I know that my memory wasn't failing me.
Take Care
JoeO
- Re: Medicare
Posted by CarolCA on 11/3/2009, 2:01 pm, in reply to "Re: Medicare"
98.248.53.53John, my Mom told me some man came every week or month to collect for the medical bill when I was born. Once my Grandfather was there when the man came and he paid it off. My Mom said it was a struggle to come up with that money but she figured they didn't want me back so she didn't worry too much. - Re: Medicare
Posted by Martha on 11/3/2009, 1:35 pm, in reply to "Re: Medicare"
68.12.160.104I've heard that about tonsils but there was a legitimate reason for removing mine. My tonsils and adenoids were huge and hampered my breathing...story of my life!