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  1. #1
    Join Date
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    The Medicare Thread

    Maggots be getting old. Multiple maggots are currently age 64, and several will be going on Medicare soon. Iím one of them.

    This thread is for factual information about Medicare, including supplemental plans, Part D drug plans, and Medicare Advantage. This shit is confusingÖ.

    NO POLITICS !

    Our very own Cono Este is an expert on this stuff. Hopefully he will participate in this thread and help guide us elderly maggots through this process.
    "Zee damn fat skis are ruining zee piste !" -Oscar Schevlin

    "Hike up your skirt and grow a dick you fucking crybaby" -what Bunion said to Harry at the top of The Headwaters

  2. #2
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    They can help with a drug plan.
    "somebody's gotta do it"

  3. #3
    Join Date
    Jan 2018
    Location
    Gallatin County
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    Medicare is easy as it has four (4) parts. Parts A and B are straightforward. Part D has lots of options for a medications including a comprehensive if expensive plan marketed by Stealurface Pharmaceuticals which is based in NC. What was once called part C is only confusing if you listen to an old NFL quarterback on those TV ads. The so called Medicare Advantage is basically a supplement to parts A and B with a managed care approach meaning you have to use "in network" providers our pay a differential. There is also supplemental insurance which costs more than advantage but has more flexibility on medical providers and also some plans have coverage for foreign travel.

    The devil is in the details.

    Quote Originally Posted by Harry View Post
    This shit is confusing

  4. #4
    Join Date
    Dec 2009
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    1,354
    When is a person eligible for Medicare? 65? Jan of the year you turn 65? Or, on the birthrate or later?

    Sent from my SM-S908U using Tapatalk

  5. #5
    Join Date
    Oct 2005
    Location
    Idaho
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    You have a four month span with your 65th b-day in the middle to enroll. Then open enrollment in the fall. There are more specific situations but that two month pre post b-day is the general rule. Cono is the knowledgeable one around these parts though.
    Quote Originally Posted by Benny Profane View Post
    Well, I'm not allowed to delete this post, but, I can say, go fuck yourselves, everybody!

  6. #6
    Join Date
    Dec 2009
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    The Mayonnaisium
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    That's not something you hear every day.

  7. #7
    Join Date
    Dec 2012
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    15,958
    Hey you kids, get off my island!

  8. #8
    Join Date
    Jan 2018
    Location
    Gallatin County
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    The coverage starts the first of the month a person turns 65 provided enrollment is complete. Medicare can be applied for 3 months before turning 65 and a Medicare card is needed for applying for part D and supplemental or advantage plans. The Medicare application can be made via the Social Security website.

    Quote Originally Posted by Iowagriz View Post
    When is a person eligible for Medicare? 65? Jan of the year you turn 65? Or, on the birthrate or later?

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  9. #9
    Join Date
    Feb 2007
    Location
    Idaho
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    1,197
    I started the process in May before becoming eligible in July. It was fairly simple and then I had my local insurance specialist walk me through the options.

    I was inclined to reject the drugs bit as I don't recall ever having a prescription, but she convinced me it was cheap insurance to take it.

  10. #10
    Join Date
    Jan 2018
    Location
    Gallatin County
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    As your agent explained there is a penalty for late enrollment in Medicare part D. There is also a financial penalties for late enrollment in Medicare parts A and B for procrastinators.

    Quote Originally Posted by Beder View Post
    I was inclined to reject the drugs bit as I don't recall ever having a prescription, but she convinced me it was cheap insurance to take it.

  11. #11
    Join Date
    Sep 2005
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    Glad I won't need to check in here for another decade!
    "fuck off you asshat gaper shit for brains fucktard wanker." - Jesus Christ
    "She was tossing her bean salad with the vigor of a Drunken Pop princess so I walked out of the corner and said.... "need a hand?"" - Odin
    "I'd eat a bag of Dicks and wash it down with a Coke any day." - iceman

  12. #12
    Join Date
    Jan 2008
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    8,250
    This thread smells like Bengay

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  13. #13
    Join Date
    Jan 2005
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    Access to Granlibakken
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    Quote Originally Posted by Beder View Post

    I was inclined to reject the drugs bit as I don't recall ever having a prescription, but she convinced me it was cheap insurance to take it.
    Modern health care is dominated by prescription drug treatments. Is there any medical issue a 65 yr old typically gets that doesn’t involve Rx drugs?

  14. #14
    Join Date
    Nov 2005
    Location
    Denver<C O
    Posts
    171
    broken bones and cancer still typically involve prescription drugs....let alone hypertension, diabetes, heart disease etc

  15. #15
    Join Date
    Jul 2008
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    Quote Originally Posted by CTR View Post
    broken bones and cancer still typically involve prescription drugs....let alone hypertension, diabetes, heart disease etc
    The sign up process is really easy, much easier than going to the DMV.

    We have an Aetna Medicare Advantage plan and its great. Includes drug coverage, $300 allowance for glasses or contacts, $1500 for dental which you can use at the DDS of your choice. Use one of their in network providers and the cost is about 50% less. My wife's DDS was in network so she did not have to change anything and the cost for services went way down. Mine was not in network so I changed to hers, I hate all DDS anyway, I always feel like they are ripping me off. As far as in network medical providers they have plenty of coverage nationwide. I know everybody loves their Dr but 50% of them graduated in the bottom half of their class.

  16. #16
    Join Date
    Mar 2006
    Posts
    19,215

    The Medicare Thread

    New law with $2000 a year prescription cap changes the choice. Generics cost practically nothing anyway so paying extra when it still wonít cover full amounts is questionable.

    Sorry, thatís only low income

    ďThe Inflation Reduction Act will also lower healthcare costs for some people. Low- and middle-income Americans who use insurance marketplaces created by the Affordable Care Act will see a subsidy on their insurance, which was otherwise set to expire, extended. And seniors on Medicaid will benefit from a new $2,000 cap on prescription drug prices.Ē

  17. #17
    Join Date
    Mar 2006
    Posts
    19,215
    I pay $170mo for my fitness club (pool) and I go every day. Premium supplement makes it free so that will be a consideration.

  18. #18
    Join Date
    Mar 2008
    Location
    northern BC
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    Quote Originally Posted by Beder View Post
    I started the process in May before becoming eligible in July. It was fairly simple and then I had my local insurance specialist walk me through the options.

    I was inclined to reject the drugs bit as I don't recall ever having a prescription, but she convinced me it was cheap insurance to take it.
    I get $$$$ which I had to use but didn't need, so instead of losing the benifit i just bought a pair of Rx Raybans every december but what happens is

    you get older
    Lee Lau - xxx-er is the laziest Asian canuck I know

  19. #19
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    Jul 2008
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    Quote Originally Posted by 4matic View Post
    I pay $170mo for my fitness club (pool) and I go every day. Premium supplement makes it free so that will be a consideration.
    Aetna provides Silver Sneakers for free gym / heath club memberships. Many YMCA's accept it, I know in SLC VASA fitness does also as well as Snap, 24 hr, Planet Fitness etc.

  20. #20
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    Sep 2005
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    Quote Originally Posted by XXX-er View Post
    I get $$$$ which I had to use but didn't need, so instead of losing the benifit i just bought a pair of Rx Raybans every december but what happens is

    you get older
    you're on medicare in Canada?
    "fuck off you asshat gaper shit for brains fucktard wanker." - Jesus Christ
    "She was tossing her bean salad with the vigor of a Drunken Pop princess so I walked out of the corner and said.... "need a hand?"" - Odin
    "I'd eat a bag of Dicks and wash it down with a Coke any day." - iceman

  21. #21
    Join Date
    Dec 2012
    Posts
    15,958
    Quote Originally Posted by Danno View Post
    you're on medicare in Canada?
    He's on something.
    "timberridge is terminally vapid" -- a fortune cookie in Yueyang

  22. #22
    Join Date
    Sep 2004
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    LV-426
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    Quote Originally Posted by Timberridge View Post
    He's on something.
    Huffing Aqua-seal?
    Quote Originally Posted by powder11 View Post
    if you have to resort to taking advice from the nitwits on this forum, then you're doomed.

  23. #23
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    Dec 2012
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    "timberridge is terminally vapid" -- a fortune cookie in Yueyang

  24. #24
    Join Date
    Mar 2008
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    northern BC
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    Quote Originally Posted by Danno View Post
    you're on medicare in Canada?
    Been on the IBM cradle to grave pension for the last 17 yars so I been getting 1500 a year no deductible no questions asked

    but the point to Beder would be yer in great health when yer young but the you get older the more shit starts breaking down

    Not medicare, up here the MD has an ID # and they just bill the HC system directly, no arguing with an insurance company on whats allowable but not everything is covered, the MRI & ACL was covered, x-rays are covered

    the crutches were not, the PT was not, dental is not, drugs are not so I have to claim it out of that 1500 $
    Last edited by XXX-er; 08-23-2022 at 02:51 PM.
    Lee Lau - xxx-er is the laziest Asian canuck I know

  25. #25
    Join Date
    Dec 2010
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    Last Best City in the Last Best Place
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    Quote Originally Posted by 4matic View Post
    I pay $170mo for my fitness club (pool) and I go every day. Premium supplement makes it free so that will be a consideration.
    That seems expensive. My club/pool is $45 a month. You get free massages or something?

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