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Medicare

Discussion in 'Money & Finances' started by Peter Renfro, Jun 25, 2020.

  1. Ken Anderson

    Ken Anderson Senior Staff
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    You should be able to find everything you need on the Medicare site.
     
    #16
  2. Peter Renfro

    Peter Renfro Veteran Member
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    I was and am inundated with mail from everybody and their brother trying to get my dollar.Our plan carrier was actually my first contact. My first official contact was in July. I turn 65 in November. I received two envelopes the same day. One was my actual medi care card with a letter apprising me of what I needed to do, (nothing for A&B). The other a letter offering financial help if I could not afford the 144 per month.
    Last week I received "Medicare and You" "The Official U.S. Government Medicare Handbook". It is confusingly, (for me at least) thorough,and is customized for your location. The back half consists of plans available in your area.

    I hope I was somewhat helpful, I would be lost if we did not have a preexisting plan and had to do everything from scratch!
    Good Luck!

    Every thing and I mean everything,no matter how official looking or sounding will be a pitch if it is not from HHS Health and Human Services. Center for Medicare and Medicaide Services.
    I may be mistaken, BUT, if it is not official there should be a disclaimer on the envelope, albeit in microscopic print that it is not a governmental mailing.
     
    #17
    Last edited: Aug 30, 2020
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  3. Yvonne Smith

    Yvonne Smith Senior Staff
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    We use the same insurance agent for all of our insurance, @Von Jones . If you have an agent for your auto and home insurance, he probably also helps with health insurance. If you talk with him (her?), he can help you get set up for Medicare and also find the best Medicare supplement for your specific needs.
    Each fall, the agents get all of the new information about what Supplement plans and prices each company is offering for the next year, and around November, he goes over the different options with us , to make sure we are still getting the plan that works best for us.

    An interesting thing is that Bobby and I both have Advantage plans, and we have basically the same advantage plan, but Bobby’s is through United Health Care, and mine is through Humana.
    The reason is silly and simple.
    Both companies include Silver Sneakers as a member benefit, but Humana includes the part of our fitness center that has the swimming pool, and not the weight lifting part of the gym.
    UHC is just the opposite , and it covers the weight room and machines, but not the swimming area.
    Since I swim, and Bobby lifts weights, we each do better with different companies.

    Except for a booklet each year that tells about Medicare changes, we really do not get much from Medicare itself, but we still get mailings from all kinds of companies wanting to sell supplements, just like you are getting.
    If you do not have a good insurance agent that you are working with already, then you might want to find one who has an office nearby, and let him walk you through the steps of getting signed up for Medicare.

    Once you have that taken care of, you can just throw away all of the sales mail that will keep on happening for the rest of your life.
     
    #18
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  4. Von Jones

    Von Jones Supreme Member
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    This is great Ken! I have the website bookmarked after reading the initial page. Thank you.
     
    #19
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  5. Von Jones

    Von Jones Supreme Member
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    #20
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  6. Ken Anderson

    Ken Anderson Senior Staff
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    As I mentioned, I think, in an earlier post, I wouldn't get too hung up in being sure that you have selected the one best plan for you, because you can change it every year if you want to. It's important to sign up for it on the first year you are eligible, but you're not locked into a plan for more than a year. The guy who I finally called to come give me a pitch was not doing a hard-sell, plus he represented more than one plan so when I decided to change to an Advantage plan the following year, he also represented a few different Advantage plans.

    That site is one of the few things that the government has done right, I think.
     
    #21
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  7. Yvonne Smith

    Yvonne Smith Senior Staff
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    You might want to call your agent and ask him if he does Medicare. If he does, then once he helps you sign up, you will be a Medicare client of his, and he will probably contact you each year to update your plan if necessary.
    Since he has not been doing Medicare for you already, you probably need to let him know that you are interested in finding a plan and getting signed up for regular Medicare benefits. In Alabama, you have to ask about a Medicare advantage plan before they are allowed to explain it to you, for some reason.
    If your insurance agent does not do health and Medicare, he can refer you to someone locally who does handle Medicare supplements.
     
    #22
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  8. Ken Anderson

    Ken Anderson Senior Staff
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    That might be a federal thing because they do that in Maine, too. They can send you generic stuff in the mail but you have to contact them before they'll call you or come by to give you a pitch. I guessing there were some cases of unethical selling going on.
     
    #23
  9. Lon Tanner

    Lon Tanner Supreme Member
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    I have the AARP United Health Supplement. I have had it a long time and have never had any out of pocket cost for medical care.
     
    #24
  10. Beth Gallagher

    Beth Gallagher Supreme Member
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    I don't know if this has already been mentioned, but the Medicare Part B price increases for 2025 have been announced. (Both premium and deductible.)

    "Seniors will have to pay more again for Medicare Part B next year, according to the Centers for Medicare and Medicaid Services (CMS).

    The standard monthly premium for Medicare Part B enrollees will rise by $10.30 to $185.00 in 2025 from $174.70 this year, CMS said late Friday. The premium was $164.90 in 2023. The annual deductible for all Medicare Part B beneficiaries will increase to $257 from $240 in 2024. The increases are mainly due to projected costs and usage increases, CMS said." https://www.yahoo.com/finance/news/2025-medicare-part-b-premium-181112073.html
     
    #25
  11. Don Alaska

    Don Alaska Supreme Member
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    ...and adding many illegal immigrants to the rolls as well I suspect.
     
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  12. Hedi Mitchell

    Hedi Mitchell Supreme Member
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    I never get excited about stupid increase, for that very reason. Give up a pity raise then group on the insurance'
    Have decided to stick to straight Medicare and our Cigna Rx plan. Can't get a policy affordable here anyway. and only doctors are traveling ones.
     
    #27
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