One Political PlazaSM - Home of politics
Something to think about.....
If you want to reply, then register here. Registration is free and your account is created instantly, so you can post right away.
Page: <<prev 1 2
Apr 22, 2017 14:39:21   #
bahmer (a regular here)
 
Docadhoc wrote:
Unless you are on income related Medicaid, you have Medicare with a supplement that fills in what is called the Medigap. That is the "doughnut hole" in the coverage. The Medicare insurance covers you to a point, then stops, leaving the hole. Then the supplement covers you to a point. At that point you go in to catastrophic coverage and the original cuts back in according to Medicare law.

It is also possible that you have a Medicare Advantage Plan which is a private insurance available to Medicare qualified people. If you signed up for that type of plan, you no longer have Medicare. That type provides everything Medicare does plus extra coverage. It looks like original Medicare on your EOBs (Explanation of Benefits) papers except when it is providing coverage in the Medigap hole. If you have an advantage plan, you can shop around for a betterione is available in your area, and change over during open enrollment times.

Who provides your prescription coverage?

Why don't you call State Farm and ask them what coverage you have. Or you can call Medicare and ask them.

Do you need the coverage? I ask because people who struggle with Obamacare but don't need the coverage, really don't need to be paying for something they don't need and unfortunately, when the ACA was passed it tied every one to Obamacare even if they have private insurance.
Unless you are on income related Medicaid, you hav... (show quote)


Humana covers my prescriptions as of now and I am not to happy with them at present as they have move a couple of medicines that were in tier two and tier one respectively into tier three raising my costs many fold.

| Reply
Apr 22, 2017 14:58:17   #
Docadhoc
 
bahmer wrote:
Humana covers my prescriptions as of now and I am not to happy with them at present as they have move a couple of medicines that were in tier two and tier one respectively into tier three raising my costs many fold.


So that would be a Medicare part D coverage which means you probably don't have an Advantage plan because they usually provide Rx coverage along with the expanded Medicare coverage.

Call State Farm for an explanation so you know if and what options you may have.

| Reply
Apr 22, 2017 15:31:28   #
bahmer (a regular here)
 
Docadhoc wrote:
So that would be a Medicare part D coverage which means you probably don't have an Advantage plan because they usually provide Rx coverage along with the expanded Medicare coverage.

Call State Farm for an explanation so you know if and what options you may have.


I'll try and do that thanks, do you sell insurance?

| Reply
Apr 22, 2017 17:15:43   #
Docadhoc
 
bahmer wrote:
I'll try and do that thanks, do you sell insurance?


No. I'm a physician and very concerned with our current medical situation.

The reason I asked if you need the coverage is that it is simple to avoid the penalty for not having coverage.

| Reply
Apr 22, 2017 17:23:00   #
bahmer (a regular here)
 
Docadhoc wrote:
No. I'm a physician and very concerned with our current medical situation.

The reason I asked if you need the coverage is that it is simple to avoid the penalty for not having coverage.


Thank you I will talk to my nephew and see what he can do for me.

| Reply
Apr 22, 2017 18:05:59   #
Docadhoc
 
bahmer wrote:
Thank you I will talk to my nephew and see what he can do for me.


Be aware that the way the law is written, there is no penalty until you have gone without coverage for 3 consecutive months. That means that 1 day of coverage in each 3 month period is all that is needed.

That doesn't help many not young people but it saves money for the younger healthy crowd.

| Reply
Apr 25, 2017 13:59:11   #
Terry Hamblin
 
crazylibertarian wrote:
I'm a physician. Before you start running off your mouth about the wonderful things with a single payer medical system Hamblin, why don't you tell us what your occupation is and then the rest of us can advocate for a single payer system for your industry. Then after a couple of years tell us how much you like it.


Til then, shut your mouth.


O.K. Crazy: You are a physician so inherently you don't want to have anything to do with a single payer system. Why? Because you won't make as much money, and the paperwork would be increased since governments are in the cover your ass business!

I am a retired Nuclear Power Plant Startup Engineer and an 11 year veteran of the Nuclear Submarine Service. My comments come from my good experience with the Spanish single payer system which I used for about 10 years. All of the things that you guys on this thread are blithering about are non-existent in a good single payer system. I have had to change my Medicare Advantage plan three times in three years because the G.P. that I like has dropped out of the Humana network and then out of the Cigna network, I am now with United Health Care and so far it is very good, especially with medication costs, out of six meds that I take I only have to pay for one.

| Reply
Page: <<prev 1 2
If you want to reply, then register here. Registration is free and your account is created instantly, so you can post right away.
OnePoliticalPlaza.com - Forum
Copyright 2012-2019 IDF International Technologies, Inc.