Do I need to get Medicare if I have insurance from my job?

Message Author
ampm-bookmark
delicious-small Add to delicious
yahoomyweb-small Add to YahooMyWeb
blinklist-small Add to BlinkList
PostPosted: Thu Nov 15, 2012 6:53 pm   Post subject: Part B Vs Group Insurance  

Thank you, Max. Your answer was helpful to me. I was on the phone for hours yesterday with everyone from SS to Insurance admin, personnel admin etc. Could not get a straight answer. I have made my decision.

sweetpea1
New member
Leave a quick message



Joined: 14 Nov 2012
Posts: 1


1.07 Dollars($)

PostPosted: Sun Dec 30, 2012 3:00 am   Post subject: Medicare for Medically Retired  

Hi,



I have read many of your posts answering questions about medicare and am hoping you can help me understand my options.



I am medically retired due to numerous injuries received while working as a civilian for the Department of Defense. I have great insurance (Blue Cross Federal Employee Program). I cannot work. I was just awarded Social Security disability and was automatically enrolled in medicare Part A and B. I pay $186 a month for Blue Cross and plan on sticking with it for life. Can I opt out of Part B (and its cost), with no penalty down the road, since I am covered by a plan from my former employer?



Not sure if you are still answering questions, but if you are, I could really use the help. Part of my injuries include trauma to my brain. I can still think clearly, but I am not as sharp mentally as I once was and trying to figure this out is proving to be extremely difficult.



Thanks


_________________
Register Now to have your Insurance queries solved.
bilklb
Guest







PostPosted: Sun Dec 30, 2012 5:25 am   Post subject:   

Bill . . .



You are correct, you may disenroll from Medicare Part B (Physician's services, outpatient expenses) thanks to your private health insurance plan. If you choose to drop your Blue Cross plan at any time in the future, you will have eight months in which to reenroll in Part B and avoid the penalty premium.



In the meantime, your Blue Cross plan will be your primary insurer, and Medicare Part A (hospitalization coverage) will be secondary. If you are ever hospitalized and your Blue Cross plan will not cover it, Medicare might.



_________________

CA-licensed Life & Disability Analyst. CA Insurance Lic #0596197. Also investigating insurance company abuses, and providing litigation support/expert witness services. Send me your questions, and I'll send you my answers.
MaxHerr
Forum Expert
Leave a quick message

MaxHerr
Forum Expert

Joined: 29 Nov 2009
Posts: 7888

Location: Pomona CA
107.54 Dollars($)

PostPosted: Tue Jan 15, 2013 6:49 pm   Post subject: I have med. part A,B&D  

I have medical part A,B&D,WOULD IT BE WISE FOR ME TO DROP MY EMPLOYER GROUP COVERAGE? I am now 66 plus.


_________________
Register Now to have your Insurance queries solved.
H2
Guest







PostPosted: Wed Jan 16, 2013 4:20 am   Post subject:   

No one here can answer this question for you with the limited details provided. If you are paying premiums for your employer's group plan, and you are paying premiums for Medicare B&D, then you are likely paying too much in premiums.



If you disenroll from Medicare B&D, when you stop working, you would have to reenroll within 8 months or risk paying a lifetime premium penalty for each of the two plans.



You should investigate the Medicare Advantage Plans in your area -- they may offer benefits close to or as good as your employer sponsored plan.



_________________

CA-licensed Life & Disability Analyst. CA Insurance Lic #0596197. Also investigating insurance company abuses, and providing litigation support/expert witness services. Send me your questions, and I'll send you my answers.
MaxHerr
Forum Expert
Leave a quick message

MaxHerr
Forum Expert

Joined: 29 Nov 2009
Posts: 7888

Location: Pomona CA
107.54 Dollars($)

PostPosted: Thu Jan 31, 2013 6:32 am   Post subject:   

Here some people said you are eligible and some are said not so for best answere you should ithe insurance company they give you answer better after seen you detail.



_________________

Secure Future of Your Family With Insurance Policy
skt1234
New member
Leave a quick message



Joined: 18 Jan 2013
Posts: 33


4.06 Dollars($)

PostPosted: Fri Mar 15, 2013 11:31 am   Post subject: Ssi insurance and employment instance  

Hi im only 33yrs old but was collecting Ssi benifits for the better part of last yr and the beginning of this yr. Im now bk to work and my cash benifits stopped, but was told im still eligble to keep the insurance, a HMO thru the state. Now my job also offers insurance, my question is can I keep both and which one would be primary/secondary??


_________________
Register Now to have your Insurance queries solved.
Mandy b
Guest







PostPosted: Sun Mar 17, 2013 3:57 am   Post subject:   

Your "state HMO" was Medicaid, to which you were entitled as an SSI recipient. You are no longer eligible for Medicaid. If your employer offers health insurance, take it. Your employer would be penalized if you were to continue on Medicaid.



_________________

CA-licensed Life & Disability Analyst. CA Insurance Lic #0596197. Also investigating insurance company abuses, and providing litigation support/expert witness services. Send me your questions, and I'll send you my answers.
MaxHerr
Forum Expert
Leave a quick message

MaxHerr
Forum Expert

Joined: 29 Nov 2009
Posts: 7888

Location: Pomona CA
107.54 Dollars($)

PostPosted: Tue May 28, 2013 5:19 pm   Post subject: Medicare and state insurance coverage  

I will retire from teaching in the state of NC when I'm 63 (next year), have BCBS, will have worked 23 years full time, and am confused as to whether or not my BCBS continues when I collect Medicare when I turn 65.


_________________
Register Now to have your Insurance queries solved.
Mrmurray
Guest







PostPosted: Wed May 29, 2013 2:29 am   Post subject:   

You should discuss this with the state teachers' retirement system. They will have the answer you need.



_________________

CA-licensed Life & Disability Analyst. CA Insurance Lic #0596197. Also investigating insurance company abuses, and providing litigation support/expert witness services. Send me your questions, and I'll send you my answers.
MaxHerr
Forum Expert
Leave a quick message

MaxHerr
Forum Expert

Joined: 29 Nov 2009
Posts: 7888

Location: Pomona CA
107.54 Dollars($)

PostPosted: Tue Jun 18, 2013 10:53 am   Post subject: Disability insurance and medicare  

I am 52 and on disability.i just received a letter about being eligible for medicare..I have insurance under my husbands wk. I don't understand why they sent me this and if so should I use it. Don't want to rip off the government if I am covered..also if so what does it cover...? Question


_________________
Register Now to have your Insurance queries solved.
12 mouse
Guest







PostPosted: Tue Jun 18, 2013 2:33 pm   Post subject:   

Persons who have been receiving Social Security Disability Income payments for 24 consecutive months get an early pass into the Medicare system. Part A is premium-free, but there is a monthly premium for Part B ($104.90 for most in 2013).



Depending on the terms of your husband's health care plan, you could be required to make Medicare your primary coverage (common in self-funded plans of health care). You should speak to someone at your husband's employer who handles employee benefits to discuss your situation.



If required to make Medicare primary, you should look into the available Medicare Advantage plans in your area. MA plans substitute HMO or PPO coverage for "Original" Medicare Parts A & B. I personally recommend such plans to my clients here in Southern California because none of them charge an additional premium, and all of them provide more benefits than Medicare at substantially reduced out-of-pocket expense.



Under Original Medicare, a single hospitalization of about five months (not common, but always possible) could result in an out of pocket expense in excess of $45,000 . . . PLUS the cost of physicians and/or surgeons . . . AND the cost of any non-medically necessary supplies or services, which Medicare does not cover (such as the cost of telephone or TV while hospitalized, if any, or the cost of a private room). Most MA plans would cap your hospitalization cost at about $3000 -- 1/15 the cost compared to Medicare Part A alone.



Beware that Obama and the Democrats want to do away with Medicare Advantage because it requires the government to send money to the insurance companies who provide the care at far less than the government can or is willing to do.



Doesn't matter that senior and others on Medicare get better benefits for less money, this administration and its supporters hate insurance companies because they are profitable businesses.



_________________

CA-licensed Life & Disability Analyst. CA Insurance Lic #0596197. Also investigating insurance company abuses, and providing litigation support/expert witness services. Send me your questions, and I'll send you my answers.
MaxHerr
Forum Expert
Leave a quick message

MaxHerr
Forum Expert

Joined: 29 Nov 2009
Posts: 7888

Location: Pomona CA
107.54 Dollars($)

PostPosted: Wed Aug 07, 2013 4:44 pm   Post subject: disabled under 64 forced on medicare  

I had excellent benefits through my husbands insurance. I recently became eligible for disability and was automatically enrolled in Part A and Part B Medicare as they approved my disability backdated two years. When this happened and I informed my husbands insurance, they dropped me from full coverage, made medicare my primary and their insurance my supplement policy. They say I have no choice. I am only 55 years old, but my husband is 65, on medicare since April this year and his coverage changed. But does mine HAVE to? Since going on Medicare, my healthcare costs have skyrocketed even with the supplement through his policy because I am now under Medicare guidlines and they are denying so much of my care and the copays are outrageous through the insurance. I cannot get the meds I was on and desperately need. My previous insurance approved. Medicare does not. I have emphysema and they refused my oxygen and forced me to go to the pulmonologist even though it had all been tested for and documented and was already being treated for some time. One nightmare after another. Our medical went from manageable to so bad that we now are losing our home, have to move to a dump, have substandard care or none at all, cant get the meds surgery or treatments I need. I wish I had NEVER applied for disability and just lived off my husbands pension and SS. Had we done that, we would have been so much better off. And I receive 1,600 per month for disabiity. I thought we would be fine,


_________________
Register Now to have your Insurance queries solved.
frustratedwithmedicare
Guest







PostPosted: Fri Aug 09, 2013 1:15 pm   Post subject:   

Quote:
Our medical went from manageable to so bad that we now are losing our home, have to move to a dump, have substandard care or none at all, cant get the meds surgery or treatments I need. I wish I had NEVER applied for disability and just lived off my husbands pension and SS.


Welcome to reality. Anyone who believes that Medicare is a wonderful system of health care has never been a Medicare "beneficiary" or known someone who is/was.



This is what Obamacare will eventually do to health care in America. After all the insurance companies go out of business, the country will be forced to accept and pay for (with massively higher taxes) a "single payer" system "modeled after Medicare" which the Democrats were afraid of implementing when they had the chance, because it would have meant "political suicide" since this is NOT what America wants.



And now that more than 50% of Americans have finally figured out that they don't like Obamacare, it's all but too late to change or terminate it. The genie has been let out of the bottle and will remain elusive for years to come.



Quote:
my husbands insurance, they dropped me from full coverage, made medicare my primary and their insurance my supplement policy. They say I have no choice.


You were not "dropped" from "full coverage", your coverage was made secondary to Medicare. But you should not be experiencing the challenges you state. If things were covered by the group insurance, they should still be covered. Whatever the insurance company used to pay for that Medicare won't, should still be covered. You may have a problem with the group insurance claims department.



What's worse is that if your husband is now on Medicare, your secondary coverage through his former employer's health plan is continuing under COBRA, and you will have to pay the full cost of that . . . PLUS your Medicare Part B premium . . . PLUS all the other costs you cite.



My recommendation (not knowing more about your actual needs)? Enroll in a Medicare Advantage plan and drop the former group insurance entirely. You may not like participating in an HMO (choose a PPO plan if one is available), but you will probably get better coverage than "Original Medicare" is willing to pay for, and with lower out-of-pocket cost.



In the meantime, write to Obama and ask him what he intends to do for you?


_________________

CA-licensed Life & Disability Analyst. CA Insurance Lic #0596197. Also investigating insurance company abuses, and providing litigation support/expert witness services. Send me your questions, and I'll send you my answers.
MaxHerr
Forum Expert
Leave a quick message

MaxHerr
Forum Expert

Joined: 29 Nov 2009
Posts: 7888

Location: Pomona CA
107.54 Dollars($)

PostPosted: Tue Mar 04, 2014 11:59 am   Post subject: Paying medicare part B  

My wife has been paying Medicare part b for many years. I have been employed by a few companies during this time frame and she has always been covered under my plan.



Is there a way to get a refund for the money that has been taking out of her social security.



Thanks for the help


_________________
Register Now to have your Insurance queries solved.
Bb0536
Guest







Quick Reply
Your Name
Subject
Message body
All times are GMT
 Previous  1, 2, 3, 4, 5, 6, 7  Next  
Page 5 of 7


Get a Quote
Ask Community Experts

flash plugin

Quick Links

Must See

Community

Hot topics in forums

Latest in blogs

    Connection Error: Connection refused