Medical insurance for seniors---suggestions?

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Luvzminis
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   Posted 11/1/2017 3:22 AM (GMT -7)   
Does anyone have any suggestions for a good medical insurance plan for age 60-plus? Thanks for any ideas!
"Pray, hope, and don't worry."

St. Padre Pio

Sherrine
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Date Joined Apr 2005
Total Posts : 17528
   Posted 11/1/2017 6:25 AM (GMT -7)   
I'm on Medicare. I have Medicare Part A, which covers hospitalizations, Medicare Part B, which covers doctors, and Medicare Part D which is a prescription drug plan. I use Silver script as my Part D drug plan.

Because Medicare only covers 80% of the medical bill, I have purchased Medicare Part F. Part F covers whatever Medicare doesn't pay. I have no deductibles or copays because I have Part F but it is very expensive...$184 a month. It's tough to pay that but I've been hospitalized 8 times in the 20 years I've been in Florida. So it has paid for itself. It's nice to know I can see any doctor and go to any hospital throughout the United States and I need no referrals to do that. Plus, I've been hospitalized and didn't have to pay a cent. It's all covered under Medicare and Part F. I get my Part F through AARP which uses United Healthcare. I just have to pay the price of Part F and of course Medicare Part B and D. I have those two taken out of my social security check.

If you can't do that, Medicare has plans called advantage plans that include doctors, medication, and a few extra things but if your doctor or hospital isn't in the plan you have to change doctors. Sometimes your doctor is in the plan one your but not the next year. That's another reason I went with what I have now. Some of these plans are better than others and some are less expensive but you get what you pay for.

My relatives Medicare Part C, which is an advantage plan that was very good. I priced it and what I'm doing was better and not as expensive! So do check prices and coverages.

No matter how you look at it, Healthcare is expensive but I don't worry about getting sick because I'm totally covered doing what I'm doing. Hope this helps you.

Sherrine

Forum Moderator/Fibromyalgia

Fibromyalgia, Crohn's Disease, Ostomy, Autoimmune Inner Ear Disease, Diabetes, Osteoporosis, Glaucoma, Scoliosis, Ankylosing Spondylitis
************************
God does not give us a spirit of fear, but of power and of love and of a sound mind. 2 Timothy 1:7

Post Edited (Sherrine) : 11/1/2017 10:07:57 AM (GMT-6)


straydog
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Date Joined Feb 2003
Total Posts : 15321
   Posted 11/1/2017 7:08 AM (GMT -7)   
If you are on Medicare check out their website. It is a user friendly site. I have regular Medicare with a supplemental plan like Sherrine. I do not like the advantage plans because of being limited to certain drs & facilities. I have never had any issues seeing specialist with regular Medicare. Each state can be different with what is offered.

Good luck in your search.
Susie
Moderator in Chronic Pain & Psoriasis Forums

Luvzminis
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Date Joined Apr 2008
Total Posts : 2660
   Posted 11/1/2017 12:21 PM (GMT -7)   
Thanks so much, Sherrine and Susie. Lots of great info---I even took notes! smile I'll definitely check it out. I appreciate your input. Enjoy your day!
"Pray, hope, and don't worry."

St. Padre Pio

Luvzminis
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Date Joined Apr 2008
Total Posts : 2660
   Posted 11/2/2017 4:29 AM (GMT -7)   
Update: Rats. Those were good suggestions, but it seems I don't qualify. I'm not yet 65 and don't have any of the conditions that would qualify someone younger. It looks like it's back to the drawing board.
Any other ideas?
"Pray, hope, and don't worry."

St. Padre Pio

straydog
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Date Joined Feb 2003
Total Posts : 15321
   Posted 11/2/2017 11:05 AM (GMT -7)   
I have never done this personally, but some people will get an insurance broker & have this person help explain the various options with different companies. They pay no money to the broker, I am guessing they get a fee from the insurance company. Do a google search companies in your state. So much is available online now rather than sit on the phone for an hour. Each state is different it's about which coverage will fit your needs the best.

Good luck & I hope you find something reasonable.
Susie
Moderator in Chronic Pain & Psoriasis Forums

Luvzminis
Veteran Member


Date Joined Apr 2008
Total Posts : 2660
   Posted 11/3/2017 3:10 AM (GMT -7)   
Good idea, Susie--I hadn't thought of that. Will check around and see what's available.

Have a great day!
"Pray, hope, and don't worry."

St. Padre Pio

straydog
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Date Joined Feb 2003
Total Posts : 15321
   Posted 11/3/2017 7:16 AM (GMT -7)   
Luvs, I forgot to mention the cut off date for open enrollment is December 15. So, start your homework now while you have enough time to digest the insurance mess, lol.
Susie
Moderator in Chronic Pain & Psoriasis Forums

Sherrine
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Date Joined Apr 2005
Total Posts : 17528
   Posted 11/3/2017 7:55 AM (GMT -7)   
Susie, that's only for people on Medicare. Luvs said she is not old enough for Medicare and doesn't fit any other criteria to receive Medicare benefits.

Luvs, I was considered disabled when my husband died. I was only 50 then but couldn't get any insurance companies to cover me because I had so many chronic illnesses. Before, I was covered under my husband's insurance. So I applied for disability. Since I didn't have social security savings (teachers didn't pay into social security back then) I had to take my husband's social security early in order to get Medicare. Unfortunately, there is a penalty to do that. Since I was a widow, I got half of what we would have gotten if my husband had lived and was over 65 years old. Then, because I was taking it early, they took another 29% off that! so I get 71% of half of the social security payments we would have gotten together. 😡 But it was worth it to me. I HAD to have health insurance and this was the only way possible for me.

Sherrine

Forum Moderator/Fibromyalgia

Fibromyalgia, Crohn's Disease, Ostomy, Autoimmune Inner Ear Disease, Diabetes, Osteoporosis, Glaucoma, Scoliosis, Ankylosing Spondylitis
************************
God does not give us a spirit of fear, but of power and of love and of a sound mind. 2 Timothy 1:7

Post Edited (Sherrine) : 11/3/2017 9:07:04 AM (GMT-6)


straydog
Forum Moderator


Date Joined Feb 2003
Total Posts : 15321
   Posted 11/3/2017 11:39 AM (GMT -7)   
Luvs, in another forum here at Healing Well many of the members suggested ehealthinsurance.com to find coverage. I checked out the website & it covers a broad spectrum of different insurance from individual plans to group plan. According to what I am reading on the internet the cut off is December 15 for all, not limited to Medicare. Regardless, you can check that out to verify.

Take care.
Susie
Moderator in Chronic Pain & Psoriasis Forums

Sherrine
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Date Joined Apr 2005
Total Posts : 17528
   Posted 11/3/2017 1:13 PM (GMT -7)   
I think deadlines apply to the Affordable Health Care plans but I don't think it applies to private insurance. When I got Medicare at 51, I needed supplemental insurance but wasn't eligible to get it through Medicare until I turned 65. So I purchased supplemental insurance through a private company. There were no deadlines. Maybe things have changed.

Google Pickhealthinsurance.com. This site compares insurance companies and prices I think. I tried to put the hot link here but it expanded the width of the forum.

Sherrine

Forum Moderator/Fibromyalgia

Fibromyalgia, Crohn's Disease, Ostomy, Autoimmune Inner Ear Disease, Diabetes, Osteoporosis, Glaucoma, Scoliosis, Ankylosing Spondylitis
************************
God does not give us a spirit of fear, but of power and of love and of a sound mind. 2 Timothy 1:7

Luvzminis
Veteran Member


Date Joined Apr 2008
Total Posts : 2660
   Posted 11/6/2017 11:24 AM (GMT -7)   
Sherrine: You have been "through the mill"--ouch!!! That was quite a dramatic cut in payments. sad

I'll check out pickhealthinsurance.com--that's what I was hoping to find: a way to compare insurance companies and prices.

Susie: I will also check out ehealthinsurance.com It's strange how websites relating directly to insurance comparisons don't always show up while searching for insurance. So I appreciate both your and Sherrine's suggestions!

Thanks again, ladies. Have a great day! smile
"Pray, hope, and don't worry."

St. Padre Pio
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