medicare/disability question

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georgiagirl
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Date Joined Oct 2007
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   Posted 12/8/2009 5:06 PM (GMT -6)   
 
My LLMD told me today that if I get on disability then they will put me on medicare and then she would not be able to treat me because medicare goes by IDSA guidelines which is 3 weeks of abx. and your "cured". So what do people do about treatment if they are on disability? I have insurance through my husbands work so does that mean that they force you to get on medicare?
Also, how long after your on disability do you get on medicare? It seems like someone said one year. Is that right?
Will someone please explain this to me? It's all so confusing! mad

georgiagirl
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Date Joined Oct 2007
Total Posts : 1172
   Posted 12/8/2009 9:22 PM (GMT -6)   
Well I have talked to some other people that are saying that medicare is paying for their treatment. I think my LLMD said that because she does not except insurance. So I guess if you are on medicare then you have to have a doctor that will take it which i'm sure is hard to find. Right???

Willowrose
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Date Joined Oct 2009
Total Posts : 699
   Posted 12/8/2009 10:56 PM (GMT -6)   
GG, your husband's insurance company may be able to help you with the answer. I don't have experience with disability and medicare, but when my late husband was on hemodialysis, after 18 months he was automatically shifted to medicare as a primary insurance, with his work insurance as secondary. It was a nightmare dealing with "coordination of benefits" because each entity expected the other to pay for things which sometimes left us either fighting for someone to pay it, or paying it ourselves. But the good part was that there was still coverage from the employer insurance even though he had to use medicare first. That let him access services and coverage that Medicare didn't provide. Have you been told that you will no longer be eligible for coverage from your husband's insurance? If not, maybe you will still be able to see your LLMD thorugh his insurance. It's worth checking.

Rose
I have Lyme; it doesn't have me.


CajunGrl
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Date Joined Mar 2009
Total Posts : 4717
   Posted 12/8/2009 11:22 PM (GMT -6)   
My oldest daughter was on Medicaid because her daddy(my first husband), was in jail and never paid child support. Anyway, she was also covered on her step dads insurance. What they did was charge her step dads insurance first, then Medicaid covered the rest. If I brought her to a doctor that didn't take Medicaid, then I would just use my husbands insurance. I think you can still stay on your husbands insurance and continue using that for your treatment.
**You never know how STRONG you are....until being STRONG is the ONLY choice you have**

lymediseasethroughmyeyes.blogspot.com/

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georgiagirl
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Date Joined Oct 2007
Total Posts : 1172
   Posted 12/9/2009 7:53 AM (GMT -6)   
willowrose and cajungrl, thanks for the info.
I will make some calls this morning and see what I can find out.

CajunGrl
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Date Joined Mar 2009
Total Posts : 4717
   Posted 12/9/2009 8:06 AM (GMT -6)   
Good luck! I know that Medicare and Medicaid are different but it seems like they would work the same way if you already have insurance. I hope so anyway.
**You never know how STRONG you are....until being STRONG is the ONLY choice you have**

lymediseasethroughmyeyes.blogspot.com/

Co-Moderator Lyme Disease Forum


georgiagirl
Veteran Member


Date Joined Oct 2007
Total Posts : 1172
   Posted 12/9/2009 1:27 PM (GMT -6)   
finally I got some answers from my insurance co. They would be primary and medicare would be secondary. If my husband lost his job then medicare would be primary. That is if I get on SSDI.

CajunGrl
Veteran Member


Date Joined Mar 2009
Total Posts : 4717
   Posted 12/9/2009 1:45 PM (GMT -6)   
Yep, that's what I thought! That's great!
**You never know how STRONG you are....until being STRONG is the ONLY choice you have**

lymediseasethroughmyeyes.blogspot.com/

Co-Moderator Lyme Disease Forum


georgiagirl
Veteran Member


Date Joined Oct 2007
Total Posts : 1172
   Posted 12/9/2009 2:04 PM (GMT -6)   
CG, Yes, you were right. I feel much better now. Whew!
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