This is the year I'm supposed to sign up for Medicare, TIPS?

Page 6 mentions the number of employees part.

Maybe I read it wrong ?

end

have

ar,

Yeah, we got used by the insurance companies so they wouldn't fight it. Th at's what it took to get it passed. There are too many people who like the existing system for many reasons. But the bottom line is the existing sys tem is broken if you don't have insurance or are rich. So 16 to 20% of the country had no functioning insurance. This is an even higher percentage i f you consider that virtually everyone over 65 has medicare and so should n ot be considered in this number.

How can anyone defend a medical system that literally denies care to a huge percentage of the population?

Rick C.

You read it right, my error.

end

have

for

we

d 2

like you as co-insured. They only pay for what Medicare doesn't.

Now that would make absolutely no sense at all unless the employer has fewe r than 20 employees which therefore makes Medicare the primary payer yieldi ng a premium discount for the employer from the private insurer. It is othe rwise illegal under federal law for the insurer to structure its coverage u nder primary payer to account for Medicare coverage as secondary payer. Med icare is primary for employers with 20 or fewer employees.

ve

here is: Your monthly premium for Part B may go up 10% for each full 12-mo nth period that you could have had Part B, but didn't sign up for it.

for life. Sign up 5 years late, and pay 50% additional premium for life.

rollment-penalty

The OP is self-employed so the best he can do is get a small business/ self

-employed or otherwise group policy to maintain coverage for spouse and him self. He will get the best rate for the same coverage if the group policy h as obtained a Small Employer Exception (SEE), or the group only allows empl oyers with fewer than 20 employees, which makes Medicare primary payer for his coverage. Rates are not everything, so he needs to look at the actual c overage offered. You don't get something for nothing, and private insurance cannot compete with Medicare. Medicare is running administrative overhead of 3% whereas private industry struggles to keep it under 25%. And Medicare has generally negotiated rates with providers that are less than the priva te insurance rates.

enrollment in Part D, prescription drug coverage. Unlike Parts A and B, wh ich are with the government, Part D is a Medicare approved private insuranc e plan.

an, covering health and prescription drugs. They have Medicare Advantage Pa rt C for this:

e-plans

pay for the 20% Medicare doesn't. If your health care supplemental covers prescription drugs, then it usually satisfies your requirement to enroll in Pat D, but check to verify.

They sound like a ripoff. Anything that needs that much verbiage usually is. Well we got this G-plan here and this H-plan there, and it is but it isn't, it all depends. F those idiots.

The recent hurricane put and end to that. But I have always bought a BCBS of FL policy for the family, includes to kids. Premium is $1,012 per month. At 24 and 27, it seems like they would grow up! Both are still in school, so I'll continue to cover them until the start working. Mikek

so the best he can do is get a small business/ self-employed or otherwise group policy to maintain coverage for spouse and himself. He will get the best rate for the same coverage if the group policy has obtained a Small Employer Exception (SEE), or the group only allows employers with fewer than 20 employees, which makes Medicare primary payer for his coverage. Rates are not everything, so he needs to look at the actual coverage offered. You don't get something for nothing, and private insurance cannot compete with Medicare. Medicare is running administrative overhead of 3% whereas private industry struggles to keep it under 25%. And Medicare has generally negotiated rates with providers that are less than the private insurance rates.

They are probably booked solid.

Wonderful ones aren't.

Lol! I had my hip done by the very best surgeon I could find for this procedure. He was just as available as anyone about 2 to 3 months out.

Typical Larkin, shoot from the hip when you have no idea where to aim.

Rick C.

My girlfriends' company just doesn't offer health insurance to employees over 65 years of age. So that made her have to do both A and B and D I think it was for Drugs.

I *think* I'd be fine with Medicare for all of my health insurance... Not sure yet. Since I am part owner of my company, IF UHC wants go gouge me for healthcare costs because I am turning 65, then I will probably opt for full Medicare parts and pay the small amount myself to help save the company money.

I don't care for insurance companies to be playing doctor !

How can you defend any system that takes property from one person to give it to someone else. We generally call that "theft".

Not so. If they're needed, they tend to make themselves available.

Fortunately, wonderful ones aren't all that necessary. Wonderful heart surgeons and electrophysiologists are.

You really aren't very bright, Blobby. They don't buy their normal insurance for people who can get SS. They may buy an advantage plan for them, instead.

No one has ever accused you of being very smart, Blobby. You'd make a great government bureaucrat.

OT ? This is OT city.

Do you have money ? If so just get good private insurance. It is not cheap but you can get good insurance where you get really good treatment, in more ways than one. I mean preferential treatment.

If not then sign up and get a supplemental insurance, but get an agent. Don't listen to Alex Trebek or Joe Namath. Research it and find out things.

e:

he end

d by

, I have

ss

one for

nd we

an

sts

iver

ized 2

le like you as co-insured. They only pay for what Medicare doesn't.

ewer than 20 employees which therefore makes Medicare the primary payer yie lding a premium discount for the employer from the private insurer. It is o therwise illegal under federal law for the insurer to structure its coverag e under primary payer to account for Medicare coverage as secondary payer. Medicare is primary for employers with 20 or fewer employees.

That's a joke coming from you, not very smart. CMS only sells to individual s and not employers or employer group plans.

e:

end

have

ar,

our Part B premium for you or refund a substantial fraction of the Part B p remium.

is. Well we got this G-plan here and this H-plan there, and it is but it i sn't, it all depends. F those idiots.

What is it about "it is not comprehensive medical coverage" that you don't understand, idiot? Then this "Instead, Medigap functions as supplemental coverage to Original Medicare. Current Medigap plans don?t include prescription drug cov erage." That means they help pay the 20% of the Medicare 80/20 split, that's why it 's called gap coverage, to cover a portion of the 20% coverage gap. Then yo u still have to find a Part D provider after all that. You don't get covera ge at all for anything Medicare doesn't cover. First impression it's crap non-coverage that they sell to people for cheap and you don't find out how crappy it is until you go to use it.

He has a good provider now, BCBS. BCBS offers Part C plans, and should have plenty of info on their website on how he makes the transition.

e:

he end

d by

, I have

ss

one for

nd we

an

sts

iver

ized 2

le like you as co-insured. They only pay for what Medicare doesn't.

ewer than 20 employees which therefore makes Medicare the primary payer yie lding a premium discount for the employer from the private insurer. It is o therwise illegal under federal law for the insurer to structure its coverag e under primary payer to account for Medicare coverage as secondary payer. Medicare is primary for employers with 20 or fewer employees.

See the part about Medicare Overbilling Lawsuit