I am still working and have health coverage. Will medicare supplement doctor visit co-pays if I have a PPO?
Total Comments: 21
Posted: Wed Dec 01, 2010 12:11 pm Post Subject:
Hi all,
I can see an argument each way. some can say that medsupps are supplemental coverage to medicare much like you can buy "gap" plans for Major medical or cancer plans. Are these plans under the same rules of 80-85% probably not its additional coverage that you have a "option" to buy.
Posted: Sun Dec 05, 2010 10:35 pm Post Subject:
now i have to find out what 2 do
Please restate your question without the shortcut gibberish. You are not covered by Medicare simply because you are disabled. You have to be qualified for and receiving Social Security Disability for 24 consecutive months before you can be approved for coverage under Medicare.
Posted: Wed Sep 21, 2011 08:40 pm Post Subject: private ins copays
I am disabled trying to decide if it is worth it to take part B. I am covered under my husbsnds group insurance and have 40 dollar copays for office visits. If part B does not pay any of it, it does not justify a monthly prenium.[/justify]
Posted: Thu Sep 22, 2011 05:39 am Post Subject:
As long as you remain covered under an employer-sponsored plan, you do not have to pay for Part B (you file to disenroll from Part B). But as soon as your regular coverage terminates, you will have only 8 months to enroll in Part B to avoid the lifetime premium penalty of 10% for each year you are not enrolled in Part B without "creditable coverage". COBRA continuation does not waive the 8 month requirement.
The only thing to consider is that Medicare now has multiple premium tiers for Part B, based in part on when you first start paying Part B premiums, and second, higher premiums for persons with higher incomes (with a two-year look back on income . . . 2011 premiums are based on 2009 income). Paying Part B premiums will only be more expensive in the future. And the 10% penalty would apply to those higher premiums as well.
Posted: Thu Sep 22, 2011 05:51 am Post Subject:
True, that Medicare won’t pay for your co-pays of your group health insurance. But consider the facts that Medicare part B also covers other services apart from paying for doctor’s fees:
Medicare Part B pays 80% of most doctors’ services, outpatient treatments, and some medical equipment (like oxygen or wheelchairs). You or your Medigap pays the other 20%.
Medicare also pays for Pathological services. This includes blood tests, X-rays, and other tests.
For Home health care Medicare Part B pays for nurses and some therapists to provide occasional or part-time services in your home. As long as the provider is certified by Medicare, you pay Nothing, except for 20% of the charges for some medical equipment, such as wheelchairs and walkers.
Medicare Part B helps pay for a number of Preventive services like tests, screenings, vaccinations, and a one-time physical exam to help you stay healthy. Some of these services are even free.
After the first three pints, Medicare pays 80% of the costs for blood you may need as an outpatient.
Posted: Thu Sep 22, 2011 05:58 am Post Subject:
While jane's explanation is essentially correct, she misses the OP's real question: Do I need both employer-sponsored health insurance AND Medicare Part B? The answer is probably no. Unless Part B is considerably less expensive and the employer-sponsored benefits are weak.
This has nothing to do with Medicare Supplement insurance (aka "Medigap"). Part B, like Part A, will normally be secondary coverage after the employer-sponsored group health plan.
Posted: Tue Nov 29, 2011 07:41 am Post Subject: medicare
I was told by my Dr. That if I am on full disability that I am eligible for Medicare. I am 60 years old. Please tell me what I need to do. Thanks, m lott
Posted: Tue Nov 29, 2011 07:44 am Post Subject: medicare
I was told by my Dr. That if I am on full disability that I am eligible for Medicare. I am 60 years old. Please tell me what I need to do. Thanks, m lott
Posted: Tue Nov 29, 2011 07:44 am Post Subject: medicare
I was told by my Dr. That if I am on full disability that I am eligible for Medicare. I am 60 years old. Please tell me what I need to do. Thanks, m lott
Posted: Tue Nov 29, 2011 07:44 am Post Subject: medicare
I was told by my Dr. That if I am on full disability that I am eligible for Medicare. I am 60 years old. Please tell me what I need to do. Thanks, m lott
Posted: Wed Dec 01, 2010 12:11 pm Post Subject:
Hi all,
I can see an argument each way. some can say that medsupps are supplemental coverage to medicare much like you can buy "gap" plans for Major medical or cancer plans. Are these plans under the same rules of 80-85% probably not its additional coverage that you have a "option" to buy.
Posted: Sun Dec 05, 2010 10:35 pm Post Subject:
now i have to find out what 2 do
Please restate your question without the shortcut gibberish. You are not covered by Medicare simply because you are disabled. You have to be qualified for and receiving Social Security Disability for 24 consecutive months before you can be approved for coverage under Medicare.
Posted: Wed Sep 21, 2011 08:40 pm Post Subject: private ins copays
I am disabled trying to decide if it is worth it to take part B. I am covered under my husbsnds group insurance and have 40 dollar copays for office visits. If part B does not pay any of it, it does not justify a monthly prenium.[/justify]
Posted: Thu Sep 22, 2011 05:39 am Post Subject:
As long as you remain covered under an employer-sponsored plan, you do not have to pay for Part B (you file to disenroll from Part B). But as soon as your regular coverage terminates, you will have only 8 months to enroll in Part B to avoid the lifetime premium penalty of 10% for each year you are not enrolled in Part B without "creditable coverage". COBRA continuation does not waive the 8 month requirement.
The only thing to consider is that Medicare now has multiple premium tiers for Part B, based in part on when you first start paying Part B premiums, and second, higher premiums for persons with higher incomes (with a two-year look back on income . . . 2011 premiums are based on 2009 income). Paying Part B premiums will only be more expensive in the future. And the 10% penalty would apply to those higher premiums as well.
Posted: Thu Sep 22, 2011 05:51 am Post Subject:
True, that Medicare won’t pay for your co-pays of your group health insurance. But consider the facts that Medicare part B also covers other services apart from paying for doctor’s fees:
Medicare Part B pays 80% of most doctors’ services, outpatient treatments, and some medical equipment (like oxygen or wheelchairs). You or your Medigap pays the other 20%.
Medicare also pays for Pathological services. This includes blood tests, X-rays, and other tests.
For Home health care Medicare Part B pays for nurses and some therapists to provide occasional or part-time services in your home. As long as the provider is certified by Medicare, you pay Nothing, except for 20% of the charges for some medical equipment, such as wheelchairs and walkers.
Medicare Part B helps pay for a number of Preventive services like tests, screenings, vaccinations, and a one-time physical exam to help you stay healthy. Some of these services are even free.
After the first three pints, Medicare pays 80% of the costs for blood you may need as an outpatient.
Posted: Thu Sep 22, 2011 05:58 am Post Subject:
While jane's explanation is essentially correct, she misses the OP's real question: Do I need both employer-sponsored health insurance AND Medicare Part B? The answer is probably no. Unless Part B is considerably less expensive and the employer-sponsored benefits are weak.
This has nothing to do with Medicare Supplement insurance (aka "Medigap"). Part B, like Part A, will normally be secondary coverage after the employer-sponsored group health plan.
Posted: Tue Nov 29, 2011 07:41 am Post Subject: medicare
I was told by my Dr. That if I am on full disability that I am eligible for Medicare. I am 60 years old. Please tell me what I need to do. Thanks, m lott
Posted: Tue Nov 29, 2011 07:44 am Post Subject: medicare
I was told by my Dr. That if I am on full disability that I am eligible for Medicare. I am 60 years old. Please tell me what I need to do. Thanks, m lott
Posted: Tue Nov 29, 2011 07:44 am Post Subject: medicare
I was told by my Dr. That if I am on full disability that I am eligible for Medicare. I am 60 years old. Please tell me what I need to do. Thanks, m lott
Posted: Tue Nov 29, 2011 07:44 am Post Subject: medicare
I was told by my Dr. That if I am on full disability that I am eligible for Medicare. I am 60 years old. Please tell me what I need to do. Thanks, m lott
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