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Medicare


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8 replies to this topic

#1 Peggy

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Posted 01 July 2008 - 06:14 AM

I don't become eligible for a year for Medicare but I was wondering if anyone on here is on it and if it is pretty good about covering all the tests and procedures and sclero related medical necessities? I became disabled in January of 08 so 2 years after that you become eligible for Medicare, which for me will be in January of 2010. Then I would able to get off my husband's insurance and save quite a bit. I know that I would have to take a Medicare Supplement that would cover the 20% that Medicare doesn't cover. I just thought I'd see if anyone has had any experience with it yet.

Warm hugs,

Peggy

#2 truman

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Posted 01 July 2008 - 09:34 AM

Good question Peggy, but I understood that is was from 2 years of disability. In other words, last day of work was Oct. 07. Permanent disability was granted 6/08. It was my understanding it would go back to Oct. 07 as starting period. Can anyone provide information?
Tru

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#3 LisaBulman

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Posted 02 July 2008 - 03:01 AM

I found this info on the Social Security website:

After you receive disability benefits for 24 months, you will be eligible for Medicare. You will get information about Medicare several months before your coverage starts. If you have permanent kidney failure requiring regular dialysis or a transplant or you have amyotrophic lateral sclerosis (Lou Gehrig’s disease), you may qualify for Medicare almost immediately.
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#4 truman

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Posted 02 July 2008 - 07:18 AM

Hi Lisa:

I guess that means for those of us who got retro reimbursement when approved (mine was supposed to start in April 08), then two years from April?
Tru

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#5 Peggy

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Posted 02 July 2008 - 01:07 PM

I find it confusing. I do hope they actually send out material so a person knows. My only concern is that Medicare won't cover as well as a major medical insurance policy and then you are restricted on your treatment. If it's just as good great as it's alot cheaper and they take the Medicare part B out of your social security and you pick up a supplement to cover the other 20% that Medicare doesn't cover and then you also take out a prescription plan to pay for the prescriptions.

Like I said it's confusing and a person wants to make sure they don't miss any deadlines and doesn't mess up their coverage and availability.

Warm hugs,

Peggy

#6 LisaBulman

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Posted 03 July 2008 - 01:17 AM

Hi Tru,
That is how I read it too. Just keep an eye out for your info! It will probably arrive around the end of the year or very beginning of next.

Peggy as I understand it Medicare covers medically necessary care. So if your dr orders tests that are necessary they should be covered.. If you have any doubts you can always call Medicare or talk to your dr.

Hugs,
Lisa
Lisa Bulman
(Retired) ISN/SCTC List Coordinator
(Retired) ISN Sclero Forums Assistant Manager
(Retired) ISN Assistant News Guide
(Retired) ISN Fundraiser
International Scleroderma Network (ISN)

#7 Sweet

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Posted 03 July 2008 - 05:52 AM

I am really looking forward to this benefit. We pay so much for insurance.
Warm and gentle hugs,

Pamela
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#8 truman

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Posted 03 July 2008 - 05:08 PM

Sweet:

My COBRA is $743 per month. I never paid that for a mortgage and taxes!
Tru

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#9 truman

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Posted 03 July 2008 - 05:14 PM

Peggy:

Medicare may not be enough. My neighbor and I were just discussing that this afternoon. You might want to consider a supplemental policy such as AARP offers.
Tru

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