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 Posted: Thu Jun 05, 2008 6:38 am Post subject: |
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WE already have that, its called Medicaid
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anonymous1111
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| Posted: Thu Jul 17, 2008 8:43 pm Post subject: |
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| Medicare primary, pick up a supplement if one can be afforded, or just take a Medicare Advantage Plan in her area. Alot of these plans cost nothing, but are area specific. |
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Pirate91
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| Posted: Sat Jan 30, 2010 9:22 pm Post subject: vert |
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No way!
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handmade shop
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| Posted: Sat Nov 13, 2010 9:24 pm Post subject: |
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| what is a medicare advantage plan? do they replace medicare as primary insurance? what is a medicare supplement plan? does it take the place of medicare? |
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Nicholas_peters_
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| Posted: Mon Nov 15, 2010 5:29 am Post subject: |
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See the answers to about 12 of your other posts.
Try not to post repetitive questions in multiple places. If you have a specific "need to know", Nicholas, it's better just to start an brand new thread -- just click on the NEW TOPIC button.
Or continue to send me those PMs and emails!
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MaxHerr
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| Posted: Sun Nov 21, 2010 12:15 am Post subject: |
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Interesting post: "Medicare advantage plans are better than having just original medicare and dont cost nearly as much as supplement plans, some are even free depending on what area you live in the just dont cover quite as good as supplements."
Also look into seeing if she qualifies for any level of medicaid through your local depatment of social services dept. There are also medicare advantage plans specially for people who have medicare and also qualify for medicaid. These are called dual eligible plans. Secure horizons is called evercare.
Check out medicare.gov they have a place where you can type in her zip code and it will bring up all supplements and medicare advantage plans in her area along with the costs.
I have heard of dual eligible plans. I think Elderplan has one of those policies. But what exactly is it? Does it mean that primary insurance Let's say Medicare and the Medicare covered items and secondary insurance Medicaid and Medicaid covered items are paid 100% by that insurance with the dual eligible plan? Or does it mean that the certain items bill to Medicaid and some bill to Medicare and since the patient has both Medicare and Medicaid, the dual eligible plan will cover both Medicare and Medicaid billed items?
What is the difference between a Medicare Advantage policy and a supplement plan?
Also what does the guest mean by "Secure horizons is called evercare?" |
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Nicholas_peters_
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| Posted: Sun Nov 21, 2010 2:47 am Post subject: |
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Elderplan is unique to New York State (which is its own animal when it comes to all forms of insurance). When they speak of "dual eligible" persons, they mean a person who qualifies for both Medicare and Medicaid. It predates most of today's Medicare Advantage plans by more than 20 years.
You have to let go of the whole "primary and secondary" business that is interfering with your understanding of these things. Primary/secondary is only a discussion of Group/Individual insurance vs. Medicare. When a person is a beneficiary of both programs, they soon discover that Medicare does not pay for everything. It won't pay for eyeglasses, hearing aids, or guide dogs for the blind (it won't even pay for a red-tipped white cane to get around town), or long term care beyond 100 days. But Medicaid (which is funded with Social Security and Medicare dollars) will pay for those things. It is not a discussion of primary/secondary, it is a discussion of covered or not covered under Medicare.
| Quote: | | What is the difference between a Medicare Advantage policy and a supplement plan? |
The difference is like day and night.
Medicare Supplement insurance policies fill in some of the "gaps" created by the exclusions and out-of-pocket costs in Medicare Part A and Part B ("Original Medicare") when it comes to paying hospital and doctor bills. Medicare Advantage plans substitute an HMO or PPO plan for Original Medicare.
I'm trying to recall what state you are in. As a licensed insurance person, I find it odd that you don't know this stuff already.
As for Secure Horizons' Evercare program:
| Quote: | What We Offer
Evercare is a leading provider of health plans for people who have long-term or advanced illness, are older or have disabilities. |
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MaxHerr
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| Posted: Thu Aug 25, 2011 8:53 pm Post subject: Evercare & supplemental insurance |
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Does Evercare in Wisconsin take the place of a supplemental insurance policy?
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Kathy W.
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| Posted: Fri Aug 26, 2011 9:52 am Post subject: |
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Evercare is a Medicare Advantage plan from UnitedHeealthcare. If enrolled in Evercare, one does not need a Medicare Supplement insurance plan. You cannot have both, because the Medicare Supplement plan will pay nothing.
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MaxHerr
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| Posted: Sat Aug 27, 2011 11:29 am Post subject: |
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Medicare covers short-term recovery from an illness or injury. If you need time in a nursing facility to recover from a stroke,or a broken bone. If you're planning for yourself, or caring for an older relative so that's is right .
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Jenkins
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| Posted: Sat Aug 27, 2011 10:03 pm Post subject: |
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| Quote: | | Medicare covers short-term recovery from an illness or injury. If you need time in a nursing facility to recover from a stroke,or a broken bone. If you're planning for yourself, or caring for an older relative so that's is right |
None of this makes any sense. Medicare is not for "recovery".
Medicare is health insurance -- Part A for hospitalizations, Part B for physician, surgeons, and outpatient hospital expenses. It only pays (under Part A) for "SKILLED NURSING FACILITY" confinement if (1) it follows a minimum 3-day period of hospitalization AND (2) is "medically-necessary".
If a person is caring for someone in their home, Medicare has no benefit for that other than HOSPICE care for a terminally-ill person. Recovery from a "broken bone" generally does not require skilled nursing facility care; a stroke might. But a person who suffers a stroke may need years of care, little of it skilled nursing, for which Medicare pays $0. At most, Medicare has a benefit for only 100 days total, of which only 20 are covered 100%.
Long term care insurance is not comparable to Medicare -- it does not pay for the things Medicare pays for, and Medicare does not really pay much for the long term care expenses of a person.
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MaxHerr
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