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View Diary: What I Keep Not Hearing About Medicare (182 comments)

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  •  Thanks for explaining how things work for you (6+ / 0-)

    and your husband on Medicare. I'll qualify for it in just under a year from my medical disability, and already I feel overwhelmed by the looming decisions about what options to choose to minimize my out-of-pocket costs (which are already sinking us).
    I have a lot of work to do to suss it all out.

    •  Medicare has a site online that's pretty good (6+ / 0-)

      I suggest you visit there soon and start familiarizing yourself with how the site works. Also, the people at Medicare are good on phone calls, although you may have to wait 10 minutes or longer to get through to someone when you call, but I've never talked to anyone there who wasn't happy to explain something or acted like I was a bother. But, you can also feel free to KOSmail me if you think there's something I can do to help.

      You want to get an early start because there are some penalties for missing critical deadlines.

      It may not work this way for you, but I got the feeling that somehow every insurance company in my state knew when I was about to turn 65 and had something to sell me -- something that required about 2 lbs of papers to explain. One of my happiest days was when I had finally made all my decisions, signed everything I needed to sign, and could toss all that extra paper into the recycle bin!

      Eliminate tax breaks that stimulate the offshoring of jobs.

      by RJDixon74135 on Fri Oct 12, 2012 at 11:39:18 AM PDT

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      •  Thanks for the tip and the offer; I may take you (0+ / 0-)

        up on it sooner than later.
        Since my eligibility isn't age-related, I might not get as much "helpful" material. But there are also some good non-profit senior centers in town that I think will be of some help.

        •  Just had this discussion this week with my (1+ / 0-)
          Recommended by:
          peregrine kate

          benefits center.  I'm retired and collecting SS.  Will turn 65 in 2013.  Our age info is tied to our SSN, so the government knows when we are turning 65.   About 6 months prior to turning 65 you will receive information on medicare eligability.  I have a HMO thru my employer.  Medicare will become my first coverage and my employer provided coverage will cover what Medicare does not.  

          I feel very lucky that my employer has not only a benefits hotline to help with questions, but medicare specialists to help walk me thru all the in's and out's of Medicare enrollment.  

          I like that this diary has been a Medicare primer for many of us.

          We are better informed and smarter together!

          "Liberals feel unworthy of their possessions. Conservatives feel they deserve everything they've stolen." Mort Sahl

          by maggiemae on Fri Oct 12, 2012 at 04:45:23 PM PDT

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          •  Thanks, but I'm 54 and will be Medicare-eligible (0+ / 0-)

            next year at 55 because I have advanced cancer. (I am, fortunately, now in remission.) It's possible that I'll get some info from the feds since my SSDI qualification is what will get me into Medicare, but I haven't yet started getting any indications of how that will work. I will start asking around about the process soon.
            It might also be possible to get some information out of my husband's insurer--but they're not providing very comprehensive coverage, so I am not sure about that, either. We hope that our premiums will decline once I'm on Medicare, since now we pay 80% of our family coverage out of pocket (or $1250/month for a family of three).

            •  Ouch! That is draconian in it's impact on (0+ / 0-)

              your life.  I'm so sorry to hear about your cancer, but so glad to know you're in remission.  My dearest friend is starting chemo/radiation for her uterine cancer.

              I hope this turns out well for you re: SSDI.  I'd certainly call and ask for assitance in understanding your options.

              I've always enjoyed your posts on dkos, and look forward to getting more involved again as the election nears.  Went dark for about a year due to the loss of my only child last year.

              Take care of yourself!

              "Liberals feel unworthy of their possessions. Conservatives feel they deserve everything they've stolen." Mort Sahl

              by maggiemae on Wed Oct 17, 2012 at 11:22:53 AM PDT

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