Thursday, February 16, 2012

Medicare Suppliments And Medicare Advantage Plans

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Scooter

Scooter

Sun, December 14, 2008

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First of all, I was surprised to find out that you had to be on disability for two years before you even qualified for Medicare. So not fair. So last year when I first qualified I did a lot of research. I found out if you got a Medicare suppliment and prescription plan it paid better. Well, I talked to several insurance people and the only ones that the suppliment  works better for is if you qualify for Medicare because of age not disability. They told me they charge disabled people lots more because we cost them lots more. The cheapest I could find was over five hundred a month. So, then I looked into advantage plans. They don't pay as well, but much better than just having Medicare alone. In the middle of 2008  they stopped covering my pain medication because it costs too much. I have tried many different cheaper meds that didn't work as well. Now, it is that time of year to sign up again and I'm looking really hard to find an advantage plan that will cover my pain meds. I feel it is discrimination for the Medicare suppliment companies to charge disabled people more. Most people on disability can't afford their premiems. I can't afford my meds without insurance. Purdue does help people with their meds if they don't have Medicare so no help there either. Does anybody know of a Medicare advantage plan that covers Oxycontin? I can't get out of bed without my meds. I've had five back surgeries and two nerve releases in my left leg. Because of the back surgeries I have scar tissue wrapped around the nerve roots in my lower back that causes severe left leg pain along with my back pain. I'm very thankful for the disability and Medicare or I would be homeless. i just need to be able to pay for my meds.  Scooter

12/18/08 8:18am

I also had to wait for 2 years, but fortunately my husband has insurance. Still, our out of pocket was 10 grand last year. We are fortunate to find that, yes, medicare supplements do cost a little more for disability, but I got one for $140 something through Blue Cross BlueShield, also a med supplement for $34 dollars a month that covers my oxycotin for $4.00. I think it depends on where you live. AARP wouldn't even talk to me. Hope this helps

12/18/08 12:31pm

First, Where did the injury come from? I have a simular back injury but one operation that did not work was fine for me, My injury was work related so Workers Comp pays, but not without a continual fight in court every three to six months, the best pain killer I have found since my injury in 1972 is exercise, sound strange but I have tried all the meds and they only do so much and then make you goofy and not able to live with, Also acupuncture is amazing for me, I was in a wheelchair, electric, hand control, had given up, but said one more time I will try, so started swimming and acupuncture, amazing things started to happen, I started walking again, in the pool I put weights on my ankles and use a couple of those flotting noodle things and can then exercise, as it takes the pressure off your spine and discs, but you have to think you can get better other wise, you are in deep do do,  GOOD LUCK !!!!!!!  I also have Medicare and a suppliment that I have been using for forty years. Work comp pays for oxy and all other pain meds for back, but medicare suppliment Right Source pays the other twenty pills a day

Anonymous
ProudNana
12/20/08 9:36pm

I have been on disability for 4 years and trust me, I know what you are talking about.  When the Medicare prescription plan became available, I was lucky, as I picked AARP.  Course now, United Health Care is the underwriter.  I am on morphine sulphate and oxycodone for pain, and my plan has covered both with no problems for 2 years now.  I just recently added United Health Care to my medicare plan, and have been really pleased with it.  I too can't afford a supplement plan, but with United Health Care, rather than my paying the 20% that medicare doesn't pay, I pay a $5.00 co-pay to my primary care physician and they pay the remaining 20%.  Even though I have been with this plan for just a couple months, so far I have been really pleased.  If my prescription plan did not pay for my meds, especially my pain medication, I honestly don't know what I would do.  Good luck.

Anonymous
Desperate
12/22/08 1:35am

I am have horrible back problems and have been on pain meds for years.  I just received medicare a,b this year.  I need a prescription plan that covers oyxcontin and fentynl patches.  Please if anyone knows a good one that covers those please reply.  

12/21/08 8:34pm

o my god to I feel sorry for you, I have bilateral causalgia because of nerve surgery I had three different surgeries, I am elidgeable for medicare this Aug, it will be my 2 yr waiting period, does it cost monthly for medicare???? I can not handle this if it does, I always thought medicare or medicaid was free will you please let me know, I hope to chat with you soon.

 

Kindly,

Janice Power

12/24/08 12:52pm

Hello janice, Merry Christmas! I also thought that medicare was free, but it's not! They took $100 out of my disability this month. I still think the cost is worth it to cover bills we are having such a hard time catching up on.

Anonymous
Terry
12/25/08 12:18pm

Yes, it requires two years on disability before you qualify for Medicare (Federal). 

When it was time to choose a Part D provider my pharmacy did the leg work to find out which plan would cover my medications.  He also told me to write across the top of my forms "dual eligible" and explained that is an important difference. 

 

I am also eligible for Medicaid (State). There are several levels available, but I qualified for the "Advantage Plan" which helps out in numerous ways, including my Medicare premiums!   My medications range in cost from $1 to $3.10 each. 

 

My advice would be to check out what is available by contacting your local Department of Health & Human Services.

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