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Old 02-20-2021, 10:15 AM
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Medicare?



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Am turning 65. So Im going on Medicare. I have Blue Cross. Im being forced to buy part B now, cause if I dont they , medicare,will penalize me later. Medicare will be the Primary Insurance. But as Im keeping Blue Cross, my wife needs it, they , blue cross, will bill Medicare and cover me, as if I just had Blue Cross. When I asked them , blue cross, if my Blue Cross Bill would go down, cause I am paying Medicare , who will then be paying them, blue cross, they , blue cross, said No!
They , blue cross, then asked me if I would be buying a supplemental plan, like plan G, I asked if this would operate the same way, where I pay and they,blue cross, get to bill, but my BC bill stays the same. They said yes. I said, no , im not buying a supplemental plan.
Am I missing something here? My insurance provider is clueless, his experts are clueless, medicare doesnt know etc.

So do you guys know?

Last edited by Toomany22s; 02-20-2021 at 06:46 PM.
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Old 02-20-2021, 10:23 AM
jerryray
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Not much help. I went on medicare a few years ago but had Blue Cross as the backup. This year they switched to something called Medicare Advantage which is sort of a combo where they just send the bill to one place and sort it out there.
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Old 02-20-2021, 10:30 AM
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Well I'm a retired Federal employee who had BCBS Fed Blue for my primary, my wife was still working when she hit Medicare age so her primary became her supplemental (paid for by the Bank). When I hit Medicare age 10 months later my Fed Blue became my supplimental. I had to carry my wife even when she was employed or I wouldn't be able to add her when she retired, confusing huh. Now Medicare and BCBS Fed Blue cover us both, $365 a month (about the same as when I was working adjusted for inflation).

There are experts who should be able to guide you through this, if your agent can't and can't find one for you its time for a new agent as these days this stuff is critical.
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Old 02-20-2021, 10:31 AM
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Sounds strange. My only experience with Medicare is with an aging Aunt as I kind of monitor her finances. She is 80 years old and is on Medicare. She has Blue Cross as a supplemental and she pays about $4400 a year for that. Not quite sure what is taken out of her SS check every month for Medicare, I think itís around $200ish. Health insurance can be complicated and expensive. Iím figuring $1500 to $2000 a month out of pocket for my wife and I in retirement. That would include insurance, eyes and dental. The experts say figure around 250k out of pocket cost for healthcare in retirement. I think thatís a conservative number. Some of the geezers here would know better than me.
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Old 02-20-2021, 10:49 AM
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Every state that I know of (yours is a secret ) has an office called SHIP that usually does a great job of helping people with health insurance questions. They're not trying to sell you anything, and they have access to federal state, and private insurance information. You can schedule an appointment with them, their number is usually in the front of your local phone book. Okay, use Google.

One thing I can tell you for an absolute fact is that making insurance decisions from internet forum advice is not a good idea.
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Old 02-20-2021, 10:50 AM
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So if you have blue cross will be the primary and medicare will be secondary. Without knowing a lot about your health kind of tough to advise. I am a certified pharmacy tech So if you have more questions just pm me. Here is the old people website in your state.
https://www.in.gov/fssa/da/index.html

Last edited by aztarget; 02-20-2021 at 10:58 AM.
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Old 02-20-2021, 11:05 AM
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I am not giving advice, only saying what I am doing. I am 75 so I went on Medicare 10 years ago. One thing to keep in mind is that things may vary from state to state. I am not sure, I am sure people and their needs vary and that may influence your choices.

I have Medicare but Medicare alone will not pay all the bills so I wanted something more. In my search, I learned there is a difference between the terms Medicare Supplement and Medicare Advantage plans. (At least in my state). I decided I wanted Medicare Advantage because it seemed more desirable for me. After that decision, I then had to decide between a PPO or HMO plan. I decided on a PPO plan. I pay a premium every month for the Medicare Advantage PPO plan I have. So far I have been happy with it. A few years ago I had some "stomach" surgery and the total bill was around $65,000.00; my out-of-pocket expenses were $1,200.00.

This is my story; hopefully, it will provide you with some helpful information. I learned by talking with friends and considerable Internet searching.

Good luck.
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Old 02-20-2021, 11:14 AM
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I read the OPs post twice and the most confusing thing is, who is they and them?
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Old 02-20-2021, 12:13 PM
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Not looking forward to Medicare. Not Medicare itself but the trying to figure out which "part" or "parts" we'll need. Think Quantum Physics might be easier to figure out than Medicare.
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Old 02-20-2021, 12:22 PM
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Originally Posted by GreggieBoy View Post
Not looking forward to Medicare. Not Medicare itself but the trying to figure out which "part" or "parts" we'll need. Think Quantum Physics might be easier to figure out than Medicare.
Crazy, right?? I’m not good at maneuvering that government bs. If all goes according to plan, I’ll ride on my wife’s bennies for a year after I retire at 65. She is a year behind me. Figure I can paint the whole inside of the house in a year. Maybe even put up some crown molding in the upstairs bedrooms. It will give me something to do. Then I’ll maybe get some mindless job like cleaning hamster cages at the local Petsmart. Just need another grand a month to cover my eating out bill, one of our few vices. I think you’re only limited to making less than 18k a year until you hit FRA. Then at FRA, it goes up a bit higher. Who can remember all these rules?
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Last edited by dlong; 02-20-2021 at 12:43 PM.
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Old 02-20-2021, 01:37 PM
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Medicare?

When you have Medicare it is your primary insurance. You will want a supplemental plan. We have F with BCBS. F means that we have no copays for Dr. The problem retirement is that you need prescription and dental coverage. I use ExpressScripts and Cigna.

Medicare and Plan F works for us. Medicare with Plan G is a good combination also.

The options available may vary by state/zip. I can only state my experience in MI.

Sent from my iPad using Tapatalk

Last edited by trh9905; 02-20-2021 at 05:30 PM.
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Old 02-20-2021, 04:25 PM
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Quote:
Am I missing something here? My insurance provider is clueless, his experts are clueless, medicare doesnt know etc.

So do you guys know?
Is your insurance provider also your employer? If so, their being clueless is normal. You need to get your own agent to talk with. You can go to the local senior center for basic info, as they usually have some who has gone through the medicare supplement training (or can be brought in).

Every state has different rules, and BCBS is NOT one company, but rather a group of individual companies licensed to use the BCBS name. What works in one state, may not in another.

Besides a "supplement" for parts A and B of medicare, you will need to get Part D coverage (drugs) or possibly be subject to permanent rate upcharges when you do finally get it.

"Medicare Advantage" policies include some coverage for what is not covered under Medicare Part A and Part B, as well as Part D. Not always available everywhere due to small populations. WY and MT both have the "advantage" plans, but only in the major metro areas.

Check and see if your auto, home, or life insurance agent can help you (or refer you to someone who can).

I was once well qualified to answer your questions, but after 11 years in retirement I no longer keep up with the changes (which happen frequently).

Good luck.
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Old 02-20-2021, 05:17 PM
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I will be 71 this year,, I do not pay a nickel beyond my free Medicare.
the Medicare is managed by an "Advantage Plan",, that costs me zero.

(Oh, by the way, my wife is in the same type "Advantage Plan")

My plan seems to be perfection,, other than one specialist that I go to occasionally, my health cost is close to zero.

Prescriptions, I ask my doc to use the mail order method, (my prescription cost is zero for the drugs that I use)
If I need a "right now" prescription my cost is between $2 and $13,, at a local pharmacy.

There is a muscle relaxer that I like, and have used for decades,, (Robaxin,, IIRC)
I get it at Sams Club cheaper than anywhere else,, no insurance involved.
(I only buy it once a year, for occasional use,, so the cost is insignificant)

What can I say,, I went from Blue Cross @ $1,200 per month when i was 64 to practically zero for the last 6 years..

My math says that put $86,000 into my pocket.

Oh, yea,, other procedures??
Two months ago I was complaining that I was having trouble breathing,,
The doc scheduled me for breath stress tests, x-rays, MRI,,
My costs were zero,

before Medicare, with Blue Cross, tests and exams could cost thousands,,
(I think my colonoscopy @ age 60 cost me about $2,300)

I had a colonoscopy about 18 months ago,, my cost = zero

I have talked several people out of paying for "riders" to Medicare,,
I have not heard one bad thing back,, yet.

The Advantage Plans vary from zip code to zip code,,
we literally have only one choice, because of where we live.

DO NOT let the fear empty your pocket,,,

Last edited by sweetmk; 02-20-2021 at 05:20 PM.
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Old 02-20-2021, 06:47 PM
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Quote:
Originally Posted by alro41 View Post
I read the OPs post twice and the most confusing thing is, who is they and them?
Fixed , it all blue cross, except that i pay medicare and they pay blue cross, but my blue cross bill stays the same.

And ,i have to stay on blue cross, cause it covers my wife. And my wife is younger than me and is sick. Other ther than thar id go full Medicare and get a plan g supplemental policy and all would be fine and cheap.

Last edited by Toomany22s; 02-20-2021 at 06:50 PM.
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Old 02-21-2021, 05:08 AM
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Your answers to questions are some of my favorites. You write and sound much younger on your posts though. Had you placed in your 40s.

It's hard to give someone specific advice about Medicare plans because your options vary by state. Which is fine by me because some states have few options compared to others. If the federal government took over we might only have one option. Florida may have the most options (maybe 80 or more given all of the variation of supplements and insurance plans). States with far fewer senior citizens have far fewer options because of their smaller market places.

IMO Medicare has three basic levels. There are wealthy people who just want the old fashioned Medicare so they can go anywhere and get famous doctors / hospitals. They have disposable income so if they have out of pocket expenses their lives would not change.

Mid level would be Medicare with supplement or Medicare insurance plans with PPOs. You can buy plans that limit your out of pocket within a year. You can go elsewhere in the country in their network. Some come with gym plans, OTC freebies, etc. Disclosure: I'm in a midlevel PPO. My wealthy friends think that I'm not getting the best and my less wealthy friends think I am paying too much.

Then there are HMO / local plans that many think are bottom level because they restrict you. However if you and your family don't have the money to travel across country for medical care they make complete sense. Have a friend with limited retirement income and he gets his Advantage plan for free! The insurance company reimburses him the $145 a month that Medicare takes out of his Social Security. These can also come with gym plans, etc.

Actually glad there are many choices because there are many different situations in life.
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