[quote]Since Medicare comes along with disability in the US, I figure I'm not the only one. I'd love to hear your experiences!
e.g., Compared to "normal" insurance, how easy / hard is it to get approvals / care? Especially Lyme-specific and/or less conventional?
I have Humana Medicare Advantage plan--and in some ways good, some ways nada. My first 2 Lyme tests were negative according to CDC (high ELISA response, but no WB positives). (I prob. have chronic, long-term Lyme.) A lot of out-of-pocket expenses, including my Lyme-literate PA in Asheville, NC. Humana, so far has covered all testing (3 two-part Lyme tests, and several Safety Labs for long-term abx (CBC & Comp. Metabolic)). I'm sure they'd give me a hard time about
the more expensive, sensitive Lyme labs available. Also a couple extra labs the PA wanted (Carnitine, full Thyroid, Ferritin.) Humana has paid these, not because they're considered "medically necessary"--but because the lab (LabCorp) is in their provider list. At least some of the antibiotics have been inexpensive or $5. co-pay. But some, because of the Tier 3, 4, or 5 category, very expensive. Some of that isn't because of it being a new, brand-name drug, but because of the infrequency of them being prescribed (supply and demand). I'm a little concerned that at some point Humana may give me a hard time about
repeated labs and meds--so I may have another Lyme test done at some point to see if it's more positive in the Western blot part (my 3rd one did show a first Lyme Western Blot positive, after several courses of antibiotics).
Post Edited (BlueRidgeDave) : 11/23/2019 1:04:52 PM (GMT-7)