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Recognized Social Butterfly

Re: Medicare

2,561 Views
Message 1 of 6

If you receive Social Security or Railroad retirement benefits prior to Medicare eligibility enrollment is automatic.

 

Otherwise, you have a 7 month initial enrollment period.

  • 3 months before your 65th
  • The month of your 65th birthday
  • 3 months after your 65th birthday

Contact the Social Security administration

  • Visit or call your local SSA office.
  • Go to ssa.gov
  • Call the national phone number 1-800-772-1213

There are special enrollment periods if you were covered under an employer group healthcare plan.

 

 

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Valued Social Butterfly

Re: Medicare

4,403 Views
Message 2 of 6

cf8458 wrote:

My husband turns 65 in May and I turn 65 in June 2016.  
When do we start the Medicare process?

 

Thank you,


The answer to your question can vary greatly depending on whether either of you or both of you are already receiving Social Security and/or are either or both of you are working or are planning to continue to work in employment that provides health insurance (and the number of employees in that employer's group) and/or either or both of you are entitled to Veterans Administration of state Veterans Services benefits and/or whether you are planning on moving after you turn 65.

 

Probably the only meaningful answer given the information provided in your question is that it does not matter at all that both of you turn 65 around the same time. Medicare is individual insurance. The two of you may end up needing entirely different options in terms of private Medigap supplemental insurance or public Medicare Advantage health plans or drug insurance or....

 

I would take Journey's advice one step further. Not only are a lot of your most important Medicare insurance decisions going to be based on what supplemental insurance current favored or local providers accept but you both may want to begin by making sure you have a local provider if you do not already have one (then use the insurance that provider accepts)

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Valued Social Butterfly

Re: Medicare

4,437 Views
Message 3 of 6

If you want to keep your doctor(s) and they take traditional Medicare / not the Advantage (Replacement) Plans / then talk to them & see whether you expect more benefit from Secure Horizons type products not well liked by many Providers but 'Affordable', or from access to Providers who won't take the Advantage plans.

 

It is a common scam that the dealers state or imply your Medicare contracted doctor will take or must take their 'Equivalent' plan that is not remotely equivalent & requires unwieldy Prior Authorization for meds approved quite simply by real Medicare, such as generic or name brand Reclast for osteoporosis & osteopenia. 

 

Consider your clinical conditions and medication needs and costs. Buy & bill in office meds (injection/infusion) may work better for both you & the Provider with Traditional; these go thru Part B or 'Medical', & are NOT handled the same by Advant. plans.

 

While the reverse may be true for Part D 'Pharm Benefit' meds. If you have a delicate hard to manage condition and know it would be unwieldy to replace your Specialist, you might be better off spending more and keeping the same doctor.

 

If that's not the case, it is still difficult for many, even for an honest sales guy with much knowledge & experience, to say for sure what will be your best Plan. For instance, you can't predict the future of Med/Pharm/& hospital utilization from future illness or accident and hospitalization.

 

Good luck and please post your progess.

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Valued Social Butterfly

Re: Medicare

4,438 Views
Message 4 of 6

If you want to keep your doctor(s) and they take traditional Medicare / not the Advantage (Replacement) Plans / then talk to them & see whether you expect more benefit from Secure Horizons type products not well liked by many Providers but 'Affordable', or from access to Providers who won't take the Advantage plans.

 

It is a common scam that the dealers state or imply your Medicare contracted doctor will take or must take their 'Equivalent' plan that is not remotely equivalent & requires unwieldy Prior Authorization for meds approved quite simply by real Medicare, such as generic or name brand Reclast for osteoporosis & osteopenia. 

 

Consider your clinical conditions and medication needs and costs. Buy & bill in office meds (injection/infusion) may work better for both you & the Provider with Traditional; these go thru Part B or 'Medical', & are NOT handled the same by Advant. plans.

 

While the reverse may be true for Part D 'Pharm Benefit' meds. If you have a delicate hard to manage condition and know it would be unwieldy to replace your Specialist, you might be better off spending more and keeping the same doctor.

 

If that's not the case, it is still difficult for many, even for an honest sales guy with much knowledge & experience, to say for sure what will be your best Plan. For instance, you can't predict the future of Med/Pharm/& hospital utilization from future illness or accident and hospitalization.

 

Good luck and please post your progess.

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Frequent Social Butterfly

Re: Medicare

4,461 Views
Message 5 of 6

Hi CF and welcome! I see this is your first post here.

 

You'd be wise to start your paperwork three months in advance of receiving anything, whether it's s/s or medicare. This should ensure that you'll be set up in time. You can sign up online or go to a local office.

 

For the rest, go to Medicare.gov and follow the instructions, starting with your zip code. You'll see the available Advantage plans and Supplemental plans in your area and you can choose what fits your situation best. There's even a spot to add your meds to help you decide what is a good fit for you.

 

AARP endorses UnitedHealthcare, but doesn't own the company. Companies pay AARP for their endorsement. I do know a couple people who are on it and have no complaints, but it's not what my husband is on. Good luck to you!

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Info Seeker

Medicare

4,473 Views
Message 6 of 6

My husband turns 65 in May and I turn 65 in June 2016.  
When do we start the Medicare process?

Does AARP have a program through United Health Care?

 

Thank you,

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