Comments on: Supplemental Insurance for Those on Medicare http://www.mostmedicare.com Tue, 21 Feb 2012 20:33:49 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: mike smith http://www.mostmedicare.com/#comment-2780 mike smith Thu, 03 Nov 2011 21:18:54 +0000 http://www.mostmedicare.com/?page_id=325#comment-2780 The bottom of this webpage reads ... "So, the first thing you must know before you join a Medicare Advantage Plan, is that you are not buying supplemental insurance. You are joining an Advantage Plan where your Medicare will be administered by a private insurance company and you are still enrolled in Medicare." It is my understanding that once you enroll in a Medicare Advantage Plan, CMS no longer shows you as enrolled in Medicare. True that you still pay your Part B premium, but you are NOT "enrolled" in Medicare. The bottom of this webpage reads … “So, the first thing you must know before you join a Medicare Advantage Plan, is that you are not buying supplemental insurance. You are joining an Advantage Plan where your Medicare will be administered by a private insurance company and you are still enrolled in Medicare.”

It is my understanding that once you enroll in a Medicare Advantage Plan, CMS no longer shows you as enrolled in Medicare. True that you still pay your Part B premium, but you are NOT “enrolled” in Medicare.

]]> By: molly leyva http://www.mostmedicare.com/#comment-2456 molly leyva Mon, 31 Oct 2011 02:10:10 +0000 http://www.mostmedicare.com/?page_id=325#comment-2456 I have part D pharmacy insurance. I have glacouma. I use 4 drops a day in my eyes. My insurance determined that the drops are suppose to last 50 day's. No matter how much I try to make it last I run out in 35 day's . I am having to pay some of it out of pocket. How did they determine 50 drops. I am thinking of going to mexico to get my prescriptions so I don't have to worry about my eyes and go blind. MOLLY I have part D pharmacy insurance. I have glacouma. I use 4 drops a day in my eyes. My insurance determined that the drops are suppose to last 50 day’s. No matter how much I try to make it last I run out in 35 day’s . I am having to pay some of it out of pocket. How did they determine 50 drops. I am thinking of going to mexico to get my prescriptions so I don’t have to worry about my eyes and go blind. MOLLY

]]> By: Anna http://www.mostmedicare.com/#comment-2215 Anna Mon, 24 Oct 2011 18:17:57 +0000 http://www.mostmedicare.com/?page_id=325#comment-2215 I agree with Abby in regards to these supplemental being a much needed addition to Medicare but are we sure they will do the job? As she stated there are a lot of people out there that have specific needs and specific medications that quite possibly wouldn't be covered by these supplemental plans. There should be a supplemental plan that you can take out that is specific to your needs. Say you have a specific problem, you could go in and talk to a insurance agent tell them your specific requirements and they could write you out a policy / plan that fits just those requirements. Has anybody ever thought about doing something like that under these supplemental plans? I agree with Abby in regards to these supplemental being a much needed addition to Medicare but are we sure they will do the job? As she stated there are a lot of people out there that have specific needs and specific medications that quite possibly wouldn’t be covered by these supplemental plans. There should be a supplemental plan that you can take out that is specific to your needs. Say you have a specific problem, you could go in and talk to a insurance agent tell them your specific requirements and they could write you out a policy / plan that fits just those requirements. Has anybody ever thought about doing something like that under these supplemental plans?

]]> By: Abby http://www.mostmedicare.com/#comment-2170 Abby Sun, 23 Oct 2011 15:58:01 +0000 http://www.mostmedicare.com/?page_id=325#comment-2170 These supplemental medicare programs are nice and needed additions. These can be likened to software plugins, if you will, for the standard services offered by HMO's. Often times, these standard health care programs offer the minimums which supplement only the more generic needs for health care, but the needs of people in most cases are quite specific requiring a unique combination of medications and treatment. And coverage needs to be available for these extras. These supplemental medicare programs are nice and needed additions. These can be likened to software plugins, if you will, for the standard services offered by HMO’s. Often times, these standard health care programs offer the minimums which supplement only the more generic needs for health care, but the needs of people in most cases are quite specific requiring a unique combination of medications and treatment. And coverage needs to be available for these extras.

]]> By: Vanessa http://www.mostmedicare.com/#comment-2169 Vanessa Sun, 23 Oct 2011 15:43:03 +0000 http://www.mostmedicare.com/?page_id=325#comment-2169 I am turning sixty four this year so I am starting my long stretch of insurance research so that I can make sure that I pick the right plan for my needs when I turn sixty five and can apply for Medicare. Your article is packed full of information regarding insurance that I am looking at, the charts are very easy to read and understand, the entire article is put together very well. From reading this I would assume you are very experienced in this issue, are you a insurance agent or are you on Medicare yourself? Thank you for the information you have provided it has been very interesting and very educational. I am turning sixty four this year so I am starting my long stretch of insurance research so that I can make sure that I pick the right plan for my needs when I turn sixty five and can apply for Medicare. Your article is packed full of information regarding insurance that I am looking at, the charts are very easy to read and understand, the entire article is put together very well. From reading this I would assume you are very experienced in this issue, are you a insurance agent or are you on Medicare yourself? Thank you for the information you have provided it has been very interesting and very educational.

]]> By: Manuela http://www.mostmedicare.com/#comment-2125 Manuela Sat, 22 Oct 2011 07:43:02 +0000 http://www.mostmedicare.com/?page_id=325#comment-2125 Your article was absolutely packed full of information. To be completely honest though I will have to read it again and make sure I understand it before I take the information to my seventy year old mother. I am sure she will ask me all the questions and expect me to have the answers. Thank you for the information it will be very helpful when we set down with a representative to discuss the plans. Your article was absolutely packed full of information. To be completely honest though I will have to read it again and make sure I understand it before I take the information to my seventy year old mother. I am sure she will ask me all the questions and expect me to have the answers. Thank you for the information it will be very helpful when we set down with a representative to discuss the plans.

]]> By: Sandra http://www.mostmedicare.com/#comment-2022 Sandra Wed, 19 Oct 2011 15:58:07 +0000 http://www.mostmedicare.com/?page_id=325#comment-2022 I have to agree with Scott's comment about Aflac, this sounds to me like what this Medigap is. Your article was absolutely full of valuable information for when you are trying to choose a plan, the chart you put together really clarifies a few things. I am currently on Medicare and I seriously need to look into these Medigap plans before I end up spending way to much money on medical procedures. I will take your great advice and speak to a qualified representative as soon as possible. Thank you so much for the helpful information, I will pass this on to my friends as well. I have to agree with Scott’s comment about Aflac, this sounds to me like what this Medigap is. Your article was absolutely full of valuable information for when you are trying to choose a plan, the chart you put together really clarifies a few things. I am currently on Medicare and I seriously need to look into these Medigap plans before I end up spending way to much money on medical procedures. I will take your great advice and speak to a qualified representative as soon as possible. Thank you so much for the helpful information, I will pass this on to my friends as well.

]]> By: Scott http://www.mostmedicare.com/#comment-1860 Scott Mon, 17 Oct 2011 15:33:02 +0000 http://www.mostmedicare.com/?page_id=325#comment-1860 Medigap insurance is just what it sounds like correct, it is an insurance that fills in the gaps left behind by medicare? To me it sounds a lot like Aflac insurance which is there to fill in what your group health insurance won't cover. I think this is great for those seniors out there but I do agree with so many of your other readers that have left comments, that they really need to find something like this and Medicare for people who fall in between eighteen and sixty five, the way this industry is set up right now just isn't fair to those people out there working their butts off and they can't afford insurance, yet the government will cover those that don't want to work and live on welfare. Something is just wrong in today's society. Sorry for the rabbit trail but this kind of thing just really makes me angry. Medigap insurance is just what it sounds like correct, it is an insurance that fills in the gaps left behind by medicare? To me it sounds a lot like Aflac insurance which is there to fill in what your group health insurance won’t cover. I think this is great for those seniors out there but I do agree with so many of your other readers that have left comments, that they really need to find something like this and Medicare for people who fall in between eighteen and sixty five, the way this industry is set up right now just isn’t fair to those people out there working their butts off and they can’t afford insurance, yet the government will cover those that don’t want to work and live on welfare. Something is just wrong in today’s society. Sorry for the rabbit trail but this kind of thing just really makes me angry.

]]> By: Theresa http://www.mostmedicare.com/#comment-1802 Theresa Sun, 16 Oct 2011 16:48:44 +0000 http://www.mostmedicare.com/?page_id=325#comment-1802 I am thankful that they started Medicare for people over 65, finally someone understood that people this age were sometimes forced by companies that they worked for to retire early and if that was the case then they lost their group health insurance and their income ability to pay for individual insurance much like the people described by Otis in his post. Unfortunately to my knowledge they have not come up with an alternative for the people between the age of 18 and 65 unless they are on welfare anybody trying to do the right thing and work for a living is out of luck. I hope in the years to come that this medical reform act will help such situations like this but even if it does how long will it last? From what I have heard it will start in 2014 but it will also end in that same year, what sense does that make? If you know of something different please post it for people like this so they will know where to turn. I am thankful that they started Medicare for people over 65, finally someone understood that people this age were sometimes forced by companies that they worked for to retire early and if that was the case then they lost their group health insurance and their income ability to pay for individual insurance much like the people described by Otis in his post. Unfortunately to my knowledge they have not come up with an alternative for the people between the age of 18 and 65 unless they are on welfare anybody trying to do the right thing and work for a living is out of luck. I hope in the years to come that this medical reform act will help such situations like this but even if it does how long will it last? From what I have heard it will start in 2014 but it will also end in that same year, what sense does that make? If you know of something different please post it for people like this so they will know where to turn.

]]> By: Diana http://www.mostmedicare.com/#comment-1729 Diana Sat, 15 Oct 2011 15:51:28 +0000 http://www.mostmedicare.com/?page_id=325#comment-1729 Your post was put together very well and has a lot of important information included in it. I think it will take a couple of days to thoroughly go through all the information you provided and understand it well enough to go to an agent and discuss it with them. I am going to continue to research it though and make my decision based on what I find. Much appreciated, thank you. Your post was put together very well and has a lot of important information included in it. I think it will take a couple of days to thoroughly go through all the information you provided and understand it well enough to go to an agent and discuss it with them. I am going to continue to research it though and make my decision based on what I find. Much appreciated, thank you.

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