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Hello, I am new to this group, and need some information. I just lost my full time job the 1st of January...I had health insurance with this company too...it expires on Jan. 31, 2009, and I did not elect to take COBRA. I have read the Medicare Book and it states that after losing coverage or my job, which ever comes first, I have up to 8 months to choose a supplement to Medicare.
I only have Medicare part A right now. I am 67 yrs. old
Here are my questions if any of you can help:
Should I sign up for Medicare B & D (drugs) now. ??
I have been researching supplemental plans, such as AARP and Humana...
Do any of you have either of these plans?
I take maintenance drugs , so was wondering what type of drug plan would be best?
Other than the maintenance drugs, my health is quite good...I don't have heart disease, or diabetes, etc. so I don't have to go to the doctor very often...also I haven't had any major surgery in years. Any suggestions would be appreciated. Feel free to email me. Thank you ...and have a great Saturday!!www.aarp.org/community/editor/fckeditor/editor/images/smiley/msn/teeth_smile.gif" />
I appreciate hearing what others have to say about their plans, you really don't get a real good idea of a plan until you hear what is actually happening with it.
Below: PFFS(Private Fee-For-Service) is the kind of plan I have. It has served me well, I can go to any Dr. as long as they take Secure Horizon. , I don't have any major problems, pays all normal original medicare stuff, $4 for my generic drugs, and if I need something that does not have a generic it costs more. I pay $10 office visit for a reg. Dr.$20 for a Specalist, my plan does not cover eye Dr, or Dentist. But it does pay for cataract surgery. Costs $50 for ER visit, and ambulance. I had an upper GI done and it cost me $15.00. But after reading what some others have written, I might make a change next year. Right now I am happy with what I have. I have no deductible, and no monthly fee other than my regular medicare payment. I have Secure Horizon's Mecicare Rx Plan 51, that's in Oregon, I don't know if they have different ones in other states.
A type of Medicare Health Plan in which you may go to any Medicare-approved doctor or hospital that accepts the plan's payment. The insurance plan, rather than the Medicare Program, decides how much it will pay and what you pay for the services you get. You may pay more or less for Medicare-covered benefits. You may have extra benefits the Original Medicare Plan doesn't cover.
The Info below comes from the Medicare site:
Medicare Health Plans (like HMOs and PPOs) often cover prescription drugs. Medicare Health Plans include:
1. Medicare Advantage Plans
2. Other Medicare Health Plans
Medicare Advantage Plans (like HMOs and PPOs) that include prescription drug coverage as part of the plan are health plan options that are approved by Medicare but run by private companies. They are part of the Medicare Program. If you join a Medicare Advantage Plan you are still in Medicare.
With Medicare Advantage Plans:
* You generally get all your Medicare-covered health care through that plan.
* You may get extra benefits, such as coverage for vision, hearing, dental, and/or health and wellness programs.
* You usually will have to pay some other costs (such as copayments or coinsurance) for the services you get. Out-of-pocket costs in these plans are generally lower than in the Original Medicare Plan, but vary by the services you use.
* You may have to see doctors that belong to the plan or go to certain hospitals to get covered services.
* You don’t need to buy a Medigap policy.
Medicare Advantage Plans include:
* Health Maintenance Organizations (HMO),
* Preferred Provider Organizations (PPO),
* Private Fee-For-Service (PFFS) Plans,
* Medicare Medical Savings Account (MSA) Plans,
* Medicare Special Needs Plans (SNP),
With a Medicare Prescription Drug Plan:
* Generally, you pay less for your prescriptions
* You will get a plan member card after you enroll. You use this card when you go to the pharmacy to get your prescriptions filled
* You will pay the copayment, coinsurance, and/or deductible, if any
If you have limited income and resources, you may get extra help to pay for your Medicare drug plan costs.If you want to compare Medicare Prescription Drug Plans, use the Medicare Prescription Drug Plan Finder.