Comments on: Medicare for Dummies http://www.socialsecuritylaidbare.com/medicare/medicare-for-dummies/ The Bare Essentials of Medicare Insurance Explained in Plain English Mon, 16 May 2011 20:27:57 +0000 hourly 1 http://wordpress.org/?v=3.2 By: teresa http://www.socialsecuritylaidbare.com/medicare/medicare-for-dummies/comment-page-1/#comment-11215 teresa Mon, 16 May 2011 20:27:57 +0000 http://www.socialsecuritylaidbare.com/medicare/?p=15#comment-11215 no premium on part A (hosp)....only Part B (medical). And, if you select a Part D (drug) that has a premium, must pay that. no premium on part A (hosp)….only Part B (medical). And, if you select a Part D (drug) that has a premium, must pay that.

]]> By: teresa http://www.socialsecuritylaidbare.com/medicare/medicare-for-dummies/comment-page-1/#comment-11214 teresa Mon, 16 May 2011 20:25:49 +0000 http://www.socialsecuritylaidbare.com/medicare/?p=15#comment-11214 MMalexa....you are correct. if you have insurance, you do not have to give it up when you get Medicare. It becomes a secondary insurance, compliments your Medicare. In the case of PART D, ESPECIALLY, the part D portion of Medicare. You only have to take it (part D) if your current insurance is equal to or better. If I had insurance coverage for my drugs, I would probably opt out at this time. MMalexa….you are correct. if you have insurance, you do not have to give it up when you get Medicare. It becomes a secondary insurance, compliments your Medicare. In the case of PART D, ESPECIALLY, the part D portion of Medicare. You only have to take it (part D) if your current insurance is equal to or better. If I had insurance coverage for my drugs, I would probably opt out at this time.

]]> By: teresa http://www.socialsecuritylaidbare.com/medicare/medicare-for-dummies/comment-page-1/#comment-11213 teresa Mon, 16 May 2011 20:19:21 +0000 http://www.socialsecuritylaidbare.com/medicare/?p=15#comment-11213 David S.... if your son has established Hx than he is probably eligible for state medicaid. He needs to show that he does not have "gainful employment" or not make over $1000/mo gross. If he does not have GE, than apply for Social Security and than welfare benfits (medicaid). The previous teachers and Drs can help you get needed info to Social Security and Welfare. David S…. if your son has established Hx than he is probably eligible for state medicaid. He needs to show that he does not have “gainful employment” or not make over $1000/mo gross. If he does not have GE, than apply for Social Security and than welfare benfits (medicaid). The previous teachers and Drs can help you get needed info to Social Security and Welfare.

]]> By: teresa http://www.socialsecuritylaidbare.com/medicare/medicare-for-dummies/comment-page-1/#comment-11212 teresa Mon, 16 May 2011 20:14:39 +0000 http://www.socialsecuritylaidbare.com/medicare/?p=15#comment-11212 MNYdame..... your 21 yr old daughter would have to quit working and apply to social security: to get SSI or SSDI (if she has 10yrs work experience.) Then, after 2 yrs of getting SS income and Medicaid through your state would she be eligible for Medicare. C Pezely: it all depends on what state you live in and their Medicaid program. Medicaid is supposed to compliment your Medicare. If she only had Medicare, then you would have to look at the % of the expenditures in the MEDICARE & YOU book. Most care cost nickle and dime you. if the medical care cost more than $250. it's worth paying otherwise just pay out cost. Not to mention, most medicaid programs need the spenddown paid in order for you to get dental, eye, or mental health care. Keep in mind, it is NOT a must to pay the spenddown ea month, only if she requires medical care costing more than the spenddown. MNYdame….. your 21 yr old daughter would have to quit working and apply to social security: to get SSI or SSDI (if she has 10yrs work experience.) Then, after 2 yrs of getting SS income and Medicaid through your state would she be eligible for Medicare.
C Pezely: it all depends on what state you live in and their Medicaid program. Medicaid is supposed to compliment your Medicare. If she only had Medicare, then you would have to look at the % of the expenditures in the MEDICARE & YOU book. Most care cost nickle and dime you. if the medical care cost more than $250. it’s worth paying otherwise just pay out cost. Not to mention, most medicaid programs need the spenddown paid in order for you to get dental, eye, or mental health care. Keep in mind, it is NOT a must to pay the spenddown ea month, only if she requires medical care costing more than the spenddown.

]]> By: Catherine Pezely http://www.socialsecuritylaidbare.com/medicare/medicare-for-dummies/comment-page-1/#comment-11204 Catherine Pezely Tue, 22 Feb 2011 22:36:22 +0000 http://www.socialsecuritylaidbare.com/medicare/?p=15#comment-11204 My 34 year old daughter was awarded disability in April of 2010 due to Lupus and multiple life threatening disorders. She received notice that she is eligible for Medicare. What is the advantage of having both and what would be the additional cost since she is unable to work and has a spend down of $250 a month. My 34 year old daughter was awarded disability in April of 2010 due to Lupus and multiple life threatening disorders. She received notice that she is eligible for Medicare. What is the advantage of having both and what would be the additional cost since she is unable to work and has a spend down of $250 a month.

]]> By: MNydam http://www.socialsecuritylaidbare.com/medicare/medicare-for-dummies/comment-page-1/#comment-11186 MNydam Mon, 17 Jan 2011 19:14:46 +0000 http://www.socialsecuritylaidbare.com/medicare/?p=15#comment-11186 My daughter is 21 and has a heart condition. Her current insurance has told us that she has met her lifetime maximum and I've been told by other insurance that noone will accept her because of her condition. Would she be eligible to get medicare? My daughter is 21 and has a heart condition. Her current insurance has told us that she has met her lifetime maximum and I’ve been told by other insurance that noone will accept her because of her condition. Would she be eligible to get medicare?

]]> By: mmalexa http://www.socialsecuritylaidbare.com/medicare/medicare-for-dummies/comment-page-1/#comment-11164 mmalexa Tue, 28 Sep 2010 12:30:39 +0000 http://www.socialsecuritylaidbare.com/medicare/?p=15#comment-11164 I have learned, since my post in March, that, if you are still working, you don't have to enroll in Medicare or suffer some penalty later and, at least where I work, can continue under the health insurance coverage that I have. I have a co-worker who turned 65 last February and did nothing about Medicare. He continues with our insurance plan (wasn't bounced out or made to enroll in special coverage for those over 65). On the other hand, if I were to have continued with the health insurance I had when I retired from local government in Virginia, I would have HAD to sign up for the Medicare plan they offer; I would no longer have been allowed to continue with the coverage I had for 5 years after retirement. I have learned, since my post in March, that, if you are still working, you don’t have to enroll in Medicare or suffer some penalty later and, at least where I work, can continue under the health insurance coverage that I have. I have a co-worker who turned 65 last February and did nothing about Medicare. He continues with our insurance plan (wasn’t bounced out or made to enroll in special coverage for those over 65). On the other hand, if I were to have continued with the health insurance I had when I retired from local government in Virginia, I would have HAD to sign up for the Medicare plan they offer; I would no longer have been allowed to continue with the coverage I had for 5 years after retirement.

]]> By: Toni McDermott http://www.socialsecuritylaidbare.com/medicare/medicare-for-dummies/comment-page-1/#comment-11161 Toni McDermott Tue, 08 Jun 2010 08:51:44 +0000 http://www.socialsecuritylaidbare.com/medicare/?p=15#comment-11161 Toni McDermott I am 55 years old and have been disabled over two years. My medicare is avaiilable to me in july/august. I have no idea how this works is there a booklet that can be provided? I also am at a low income and not sure how premium are decided are they by a sliding scale. And have been told by disability that I should be eligible to retain medicaid even now before the medicare kicks in but then the person I spoke to at the medicaid office said no I had to wait till my medicare was effective and then could apply for medicaid help. What My concerns are what handles what I have FMS and poor leg circulation, Copd and heart related problems. Ive been scrimping and scarping the monies need for scripts and medical service. What ever information you can help me retain would be greatly apprciated! Toni McDermott I am 55 years old and have been disabled over two years. My medicare is avaiilable to me in july/august. I have no idea how this works is there a booklet that can be provided? I also am at a low income and not sure how premium are decided are they by a sliding scale. And have been told by disability that I should be eligible to retain medicaid even now before the medicare kicks in but then the person I spoke to at the medicaid office said no I had to wait till my medicare was effective and then could apply for medicaid help. What My concerns are what handles what I have FMS and poor leg circulation, Copd and heart related problems. Ive been scrimping and scarping the monies need for scripts and medical service. What ever information you can help me retain would be greatly apprciated!

]]> By: mmalexa http://www.socialsecuritylaidbare.com/medicare/medicare-for-dummies/comment-page-1/#comment-11152 mmalexa Wed, 17 Mar 2010 00:13:47 +0000 http://www.socialsecuritylaidbare.com/medicare/?p=15#comment-11152 I'm having trouble finding the most basic information, like Gloria's questions. I'm wondering whether: 1. My current coverage will just be automatically cancelled when I turn 65. 2. Whether, if I don't sign up right away, I can then never sign up. I’m having trouble finding the most basic information, like Gloria’s questions. I’m wondering whether:

1. My current coverage will just be automatically cancelled when I turn 65.
2. Whether, if I don’t sign up right away, I can then never sign up.

]]> By: Judie Lemus http://www.socialsecuritylaidbare.com/medicare/medicare-for-dummies/comment-page-1/#comment-11146 Judie Lemus Tue, 02 Feb 2010 16:11:22 +0000 http://www.socialsecuritylaidbare.com/medicare/?p=15#comment-11146 Do I have to enroll in Medicare Is there a penalty if I don't sign up If I do have to enroll do I have topay for premiums on part A Where do I go for supplemental insurance when I will need it These are questions that I also need answers to. Do I have to enroll in Medicare
Is there a penalty if I don’t sign up
If I do have to enroll do I have topay for premiums on part A
Where do I go for supplemental insurance when I will need it
These are questions that I also need answers to.

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