supplementary insurance policies

Posted: Sun Aug 24, 2008 10:23 am Post Subject:

See, Medicare also sponsors home healthcare visits when your doctor specifies your need for home healthcare & guides you about receiving such care back home. Another situation w'd be when your healthcare agency would also come into the picture.
Fatman

Posted: Sun Aug 24, 2008 10:41 am Post Subject:

Medicare would usually support you with all these coverage benefits if the coverage conditions are satisfied. All the benefits would be continued for as long as it is needed. Services would be covered if such services are rendered through the following personnel:
* trained nurses
* home-based health servants
* medical assistants
* physio therapists

Posted: Sun Aug 24, 2008 10:58 am Post Subject: insurance

This is ANOTHER subject that is a bit confusing to me....Supplementary Insurance. Is it like those 'discount' kind of things? I mean the discount cards, etc? If you can't afford Insurance ( Health, I mean), would a Supplementary Policy do ok? I just don't know of the 'pros' and 'cons' are of them. I've heard of them, but, I don't know all of the details. Can someone assist?

Posted: Sun Aug 24, 2008 11:54 am Post Subject:

Hi..for medicare sponsored healthcare services you'd never have to bear a deductible. Even I'd think a co-insurance is not mandatory under such circumstances (excepting for medical equipments). If the medical equipmt is a durable one you might need to bear a 20% co-insurance. Fatman

Posted: Sun Aug 24, 2008 01:06 pm Post Subject:

Hi all!

Lets not forget that medicare doesn't entirely cover for a number of things eg.
* residence
* Food delivery
* medicines
* Housekeeping services
Regards, Evan

Posted: Sun Aug 24, 2008 01:35 pm Post Subject:

A supplementary coverage would certainly be a filler for most medicare gaps..but it would certainly not support most of the LTC services. LTC has thus become inevitable in today's world...especially for people reaching that phase of life wherein they need special care.

Posted: Sun Aug 24, 2008 03:15 pm Post Subject:

I've read this thread, and feel the need to "supplement" some of the answers given.

Discount cards are NOT insurance products. They are simply (supposedly) a way to receive a discount on medical services. In fact, on the more reputable one's - if there is such a thing - they even make the applicant initial a box stating such.

For those who have a chronic illness, such as Diabetes, which makes in nearly impossible to obtain and qualify for individual health insurance coverage, these "discount" plans are, unfortunately, where most people are forced to turn. The only exception being those states that have "risk pools", and even those are mighty expensive.

Also, before you sign up for one of these "discount" plans, try and find a few physicians that are "in-network", and call them to see if a)they still accept the card, and b)what type of discount one can receive on services rendered.

Now, another "supplement" plan may be the likes of AFLAC, Colonial, etc. Which pays you, the consumer, directly, to help with medical expenses incurred due to injury, and time off work. Most of what AFLAC and Colonial have are group-only benefits; however, depending on what state you're in, they may have one or two "stand-alone" products, such as a hospital plan or cancer plan. Please check with a local agent.

Now, on to the Medicare/Long Term Care situation:

Medicare pays for any care and therapies that will help you "improve" and "get better". Medicare is not for "custodial" care. In other words, once you've leveled off, and are no longer getting better, Medicare will not provide services, unless you have a Medicare Supplement, or Medigap, plan. And, even then, there will be a point where those services will end.

Long Term Care is for situations, where it's been documented and authorized by a physician or social worker that your predicament will not improve, and from here on out, you will need assistance.

In the interest of brevity, that, in a nutshell, is what separates Long Term Care coverage from Medicare Coverage.

Posted: Mon Feb 01, 2010 11:51 am Post Subject: Supplementary health insurance

I have health insurance, but the cost of the deducible and the rest of the % are to high for me to pay for, can this Supplementary health insurance help? And which is the best and what to look out for as there are so many I get confused with all info on them.

Posted: Sun May 22, 2011 03:30 pm Post Subject: JzttiPSZqAQIO

Supplementary insurance.. Amazing :)

Posted: Fri Jun 03, 2011 11:45 am Post Subject: WIsFBgcdYz

Supplementary insurance.. Bully :)