I mentioned in another thread that I will be 65 in June and I will have to get on Medicare. My understanding was that my insurance would then become a supplement. I guess that's not true. I got some good news from my HR Department at work:
The month you turn 65, your Medicare Part A will become effective. Part A is Hospitalization and the piece we’ve been paying taxes for during our working life (part of the FICA tax). You have the option to enroll in Medicare Part B (which covers outpatient procedures, doctors office visits, diagnostic procedures, etc.), but you are not required to do so if you are working full time and have healthcare coverage. If you choose to enroll in Part B, they will deduct your premium from your social security (if you are drawing).
We will still be primary on you as long as you are a full-time employee on the healthcare plan and do not require you to enroll in Part B. You would not need to enroll in Part B until you retire – you’ll have 5 months from your retirement date to notify and enroll in Part B coverage.
Since we’ll continue being primary, you do not need to worry about changing doctors, etc. If you’ll only have Part A, then it will be secondary after Connect Care and will probably pay next to nothing because the deductible is so high (you have a $200 deductible and $1000 out of pocket maximum with Connect Care, Medicare’s deductible around $1000).
I’ve also answered some of your questions below in red.
If you have any other questions, please let me know.
Overall, that is great news for me as I am very pleased with Connect Care (my current insurance).
63 years old . PSA-- 3/08--2.90; 8/09--4.01; 11/09--4.19 (Free PSA 24%), after 45 days on cipro! DREs have always been normal. PCA-3 was about 75 (way above the 35 threshold). That led to:
Biopsy on 11/30/09. 5 out of 12 cores positive. Gleason 4+3. 2 cores were 3+3 (one 5% and the other 30%) on one side. On other side:2 cores are 4+3 (5%)--1 core 3+4 (30%) no peri-neural invasion. prostate is 45 grams. Stage: T1C.
Surgery with Dr. Menon at Ford Hospital, 1/26/10. He says all looked good. Spared nerves. Unfortunately: Pathology Report: G 4+3 (65%-35%). Cancer in 15% of gland. Lymph Nodes: Clear. Perineural Invasion: yes. Seminal Vessical Involvement: No. Extraprostatic Extension: yes. Positive Margin: Yes-- focal-- 1 spot .5mm. Final Weight is 52.7 gms. (Second opinion from Jon Epstein at Hopkins confirmed these results)
Incontinence: joined that club-- definite leaks—1 pad/day. Night is dry, was using 1 pad at night for security, but pretty much dispensed with that most nights. Update: no pads at night. No pads while at home, but still very uncomfortable. Use 1 pad for out-of-house activities. Suddenly got MUCH better on 3/10/10, almost overnight. Still some urgency but no pads about 90% of the time. As of 3/12/10--completely continent! Uh...OH. As of about 3/16/10 problems with constant urgency although no pads needed--feels like an infection but none showing in urine.
Update: since late March all is well in that area. I would say 99.9% continent (a spurt here and there, maybe 5 spurts per week). As of 6/22/10, I would say I am 100% continent, but I do have (controllable) significant urgency.
First post-op PSA on 3/10/10--DRUM ROLL: 0.01 Next PSA in mid-June.
Second post-op PSA on 6/21/10--0.02--Not too bad!