Hey everybody, please hang in here with me and help if you can. <img src="i/expressions/face-icon-small-smile.gif" border="0"> I apologize in advance, this is going to be long.<br><br>My husband recently left an employer with very good benefits and accepted a position with an employer with horrible benefits. We made the decision even though we knew the benefits were bad because it is a position he really wanted and he is now working much closer to home (an hour closer) and has much better hours.<br><br>Anyway, initially we decided it was best for me to stay on COBRA (under the old plan)for as long as possible and enroll in this new employers plan during an open enrollment when I'm nearing the end of COBRA eligibility. We weighed the cost of COBRA premiums against the ridiculous deductible, out-of-pocket max, and horrible prescription coverage of the new plan and figured we'd still come out ahead, even with the high premium COBRA.<br><br>So just when we thought we had it figured out, a wrench in the name of Medicare was thrown in. Now, don't get me wrong, I'm thankful to have Medicare now, but man is it making things confusing. I just became eligible for Medicare in July, so it is all new to me. <br><br>The problem is this.......being on COBRA makes Medicare my primary insurance, which I'm finding may cause problems. I know that Medicare will not cover home IV's but assumed my secondary would pick this up. However, I was recently informed that if Medicare denies the claim, saying it is not "medically necessary", my private insurance will likely follow suit! Huh? This really scared the heck outta me as I never stay in the hospital for the full 2-3 weeks that I'm on IV's, I always finish at home. I can't imagine not being able do home IVs. Ugh.. I guess I don't quite understand how the COBRA could deny it when it is a covered service under that policy but I guess when they are secondary they can follow suit? <br><br>So I'm hoping if anyone has had any personal experience with having Medicare as primary with a secondary insurance they could share their experience with home IVs. Or if there are any experts out there please chime in! My clinic is working on an answer for me, hopefully they'll get back to me tomorrow. I was surprised they had never had any patients with the same conundrum. <br><br>The main reason for the urgency is that I still have 5 days left to enroll in my husbands new policy as a new hire. If I find out that having Medicare as my primary is going to turn into a bigger mess than a help, I just bite the bullet and take the new employers crappy insurance. <br><br>I hope that ramble made sense to anyone, it's a confusing situation. Please let me know if you need clarification on anything. Thanks for taking the time to read this if you made it to the end. <img src="i/expressions/face-icon-small-smile.gif" border="0"><br><br>
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Medicare as primary and home IV's
- Thread starter triples15
- Start date
Hey everybody, please hang in here with me and help if you can. <img src="i/expressions/face-icon-small-smile.gif" border="0"> I apologize in advance, this is going to be long.<br><br>My husband recently left an employer with very good benefits and accepted a position with an employer with horrible benefits. We made the decision even though we knew the benefits were bad because it is a position he really wanted and he is now working much closer to home (an hour closer) and has much better hours.<br><br>Anyway, initially we decided it was best for me to stay on COBRA (under the old plan)for as long as possible and enroll in this new employers plan during an open enrollment when I'm nearing the end of COBRA eligibility. We weighed the cost of COBRA premiums against the ridiculous deductible, out-of-pocket max, and horrible prescription coverage of the new plan and figured we'd still come out ahead, even with the high premium COBRA.<br><br>So just when we thought we had it figured out, a wrench in the name of Medicare was thrown in. Now, don't get me wrong, I'm thankful to have Medicare now, but man is it making things confusing. I just became eligible for Medicare in July, so it is all new to me. <br><br>The problem is this.......being on COBRA makes Medicare my primary insurance, which I'm finding may cause problems. I know that Medicare will not cover home IV's but assumed my secondary would pick this up. However, I was recently informed that if Medicare denies the claim, saying it is not "medically necessary", my private insurance will likely follow suit! Huh? This really scared the heck outta me as I never stay in the hospital for the full 2-3 weeks that I'm on IV's, I always finish at home. I can't imagine not being able do home IVs. Ugh.. I guess I don't quite understand how the COBRA could deny it when it is a covered service under that policy but I guess when they are secondary they can follow suit? <br><br>So I'm hoping if anyone has had any personal experience with having Medicare as primary with a secondary insurance they could share their experience with home IVs. Or if there are any experts out there please chime in! My clinic is working on an answer for me, hopefully they'll get back to me tomorrow. I was surprised they had never had any patients with the same conundrum. <br><br>The main reason for the urgency is that I still have 5 days left to enroll in my husbands new policy as a new hire. If I find out that having Medicare as my primary is going to turn into a bigger mess than a help, I just bite the bullet and take the new employers crappy insurance. <br><br>I hope that ramble made sense to anyone, it's a confusing situation. Please let me know if you need clarification on anything. Thanks for taking the time to read this if you made it to the end. <img src="i/expressions/face-icon-small-smile.gif" border="0"><br><br>
Hey everybody, please hang in here with me and help if you can. <img src="i/expressions/face-icon-small-smile.gif" border="0"> I apologize in advance, this is going to be long.<br><br>My husband recently left an employer with very good benefits and accepted a position with an employer with horrible benefits. We made the decision even though we knew the benefits were bad because it is a position he really wanted and he is now working much closer to home (an hour closer) and has much better hours.<br><br>Anyway, initially we decided it was best for me to stay on COBRA (under the old plan)for as long as possible and enroll in this new employers plan during an open enrollment when I'm nearing the end of COBRA eligibility. We weighed the cost of COBRA premiums against the ridiculous deductible, out-of-pocket max, and horrible prescription coverage of the new plan and figured we'd still come out ahead, even with the high premium COBRA.<br><br>So just when we thought we had it figured out, a wrench in the name of Medicare was thrown in. Now, don't get me wrong, I'm thankful to have Medicare now, but man is it making things confusing. I just became eligible for Medicare in July, so it is all new to me. <br><br>The problem is this.......being on COBRA makes Medicare my primary insurance, which I'm finding may cause problems. I know that Medicare will not cover home IV's but assumed my secondary would pick this up. However, I was recently informed that if Medicare denies the claim, saying it is not "medically necessary", my private insurance will likely follow suit! Huh? This really scared the heck outta me as I never stay in the hospital for the full 2-3 weeks that I'm on IV's, I always finish at home. I can't imagine not being able do home IVs. Ugh.. I guess I don't quite understand how the COBRA could deny it when it is a covered service under that policy but I guess when they are secondary they can follow suit? <br><br>So I'm hoping if anyone has had any personal experience with having Medicare as primary with a secondary insurance they could share their experience with home IVs. Or if there are any experts out there please chime in! My clinic is working on an answer for me, hopefully they'll get back to me tomorrow. I was surprised they had never had any patients with the same conundrum. <br><br>The main reason for the urgency is that I still have 5 days left to enroll in my husbands new policy as a new hire. If I find out that having Medicare as my primary is going to turn into a bigger mess than a help, I just bite the bullet and take the new employers crappy insurance. <br><br>I hope that ramble made sense to anyone, it's a confusing situation. Please let me know if you need clarification on anything. Thanks for taking the time to read this if you made it to the end. <img src="i/expressions/face-icon-small-smile.gif" border="0"><br><br>
First off, Medicare does cover at home antibiotics. At least they damned well better. As for them taking the primary roll in your medical coverage I'm not sure about, but even that sounds hinky to me. if your working your employers coverage takes priority 99% of the time, I don't see cobra being any different but I'm not 100% ether.
<br>
<br>
First off get the medical care you need, and yes you will do better at HOME for your antibiotics rather then in the hospital, god and the rest of the CFer's know your better off not picking up another Bactria in the hospital. Second, Sick your local CF clinic social worker on it. At the vary least they will know for sure which coverage should be billed first and which 2nd, and should be able to go to bat for you even if your running into claims of "unnecessary medical procedure".
<br>
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Keith 30 W/CF
<br>
<br>
First off get the medical care you need, and yes you will do better at HOME for your antibiotics rather then in the hospital, god and the rest of the CFer's know your better off not picking up another Bactria in the hospital. Second, Sick your local CF clinic social worker on it. At the vary least they will know for sure which coverage should be billed first and which 2nd, and should be able to go to bat for you even if your running into claims of "unnecessary medical procedure".
<br>
---
Keith 30 W/CF
First off, Medicare does cover at home antibiotics. At least they damned well better. As for them taking the primary roll in your medical coverage I'm not sure about, but even that sounds hinky to me. if your working your employers coverage takes priority 99% of the time, I don't see cobra being any different but I'm not 100% ether.
<br>
<br>
First off get the medical care you need, and yes you will do better at HOME for your antibiotics rather then in the hospital, god and the rest of the CFer's know your better off not picking up another Bactria in the hospital. Second, Sick your local CF clinic social worker on it. At the vary least they will know for sure which coverage should be billed first and which 2nd, and should be able to go to bat for you even if your running into claims of "unnecessary medical procedure".
<br>
---
Keith 30 W/CF
<br>
<br>
First off get the medical care you need, and yes you will do better at HOME for your antibiotics rather then in the hospital, god and the rest of the CFer's know your better off not picking up another Bactria in the hospital. Second, Sick your local CF clinic social worker on it. At the vary least they will know for sure which coverage should be billed first and which 2nd, and should be able to go to bat for you even if your running into claims of "unnecessary medical procedure".
<br>
---
Keith 30 W/CF
First off, Medicare does cover at home antibiotics. At least they damned well better. As for them taking the primary roll in your medical coverage I'm not sure about, but even that sounds hinky to me. if your working your employers coverage takes priority 99% of the time, I don't see cobra being any different but I'm not 100% ether.
<br /><br>
<br /><br>
<br />First off get the medical care you need, and yes you will do better at HOME for your antibiotics rather then in the hospital, god and the rest of the CFer's know your better off not picking up another Bactria in the hospital. Second, Sick your local CF clinic social worker on it. At the vary least they will know for sure which coverage should be billed first and which 2nd, and should be able to go to bat for you even if your running into claims of "unnecessary medical procedure".
<br /><br>
<br />---
<br />Keith 30 W/CF
<br />
<br /><br>
<br /><br>
<br />First off get the medical care you need, and yes you will do better at HOME for your antibiotics rather then in the hospital, god and the rest of the CFer's know your better off not picking up another Bactria in the hospital. Second, Sick your local CF clinic social worker on it. At the vary least they will know for sure which coverage should be billed first and which 2nd, and should be able to go to bat for you even if your running into claims of "unnecessary medical procedure".
<br /><br>
<br />---
<br />Keith 30 W/CF
<br />
I do home IV's and Medicare NEVER, EVER picks ANYTHING up for homecare. My primary does it all. Personally and this is just my opinion, but I would not want Medicare as primary. They do not pick up homehealthcare ie. tune ups, the drug coverage has gaps and some drugs ie. cayston is not covered yet. If you have access to a group health insurance plan I would pick that as primary and use Medicare as secondary. That is what I do and it works out real well. Again, just my opinion.<br>
I do home IV's and Medicare NEVER, EVER picks ANYTHING up for homecare. My primary does it all. Personally and this is just my opinion, but I would not want Medicare as primary. They do not pick up homehealthcare ie. tune ups, the drug coverage has gaps and some drugs ie. cayston is not covered yet. If you have access to a group health insurance plan I would pick that as primary and use Medicare as secondary. That is what I do and it works out real well. Again, just my opinion.<br>
I do home IV's and Medicare NEVER, EVER picks ANYTHING up for homecare. My primary does it all. Personally and this is just my opinion, but I would not want Medicare as primary. They do not pick up homehealthcare ie. tune ups, the drug coverage has gaps and some drugs ie. cayston is not covered yet. If you have access to a group health insurance plan I would pick that as primary and use Medicare as secondary. That is what I do and it works out real well. Again, just my opinion.<br>
Thanks guys.
Hardak, unfortunately yes, by law Medicare (when you're on it due to disability) becomes primary when you enroll in COBRA. This I know for sure. It stinks but it's true. Another thing that stinks but is also true is that Medicare does not cover home IVs. From what I understand they will pay for home nursing but not the actually infusion drugs. Not sure what kind of sense that makes.
So with COBRA as my secondary I'm just not sure they'll pick up the home IVs after they are denied by Medicare. That was really the only thing I was questioning.
Jennifer, I think that is the common sense way to think about it. Why have COBRA w/Medicare as primary when you have access to a new group health plan?! <img src="i/expressions/face-icon-small-smile.gif" border="0"> To explain a little further.....I mentioned the new policy is bad right? LOL. Well it's a high deductible health plan that mainly covers "preventive medicine". So basically it covers NOTHING (including prescriptions) for me until I reach the 3,000 deductible and then the coverage is still crap. So basically we would meet our out-of-pocket max, which is $6,400 in no time. I'm thinking we would prob get to that out-of-pocket by the end of this year and then have to start over again in January. Ouch. That's why I thought if I could stay on COBRA which has excellent prescription copays (almost nothing) until an open enrollment period at his work, we would save money. But now with this whole Medicare as primary thing I'm really questioning it. So confusing.
For example, Cayston. The new insurance will not cover it at all until the deductible is met, as it is an antibiotic and not "preventive", so if I get on the new insurance and get Cayston refilled, I will be paying $3,000 of it to meet the the deductible and then after that they will pay 90% and I'll still have to pick up the rest. Which would still be about another $200, being as Cayston is around $5200 per month. Right now Cayston is the only inhaled antibiotic that I use so I can't really choose to not take it. Ugh.
Does Medicare as a secondary help you at all with your primary's deductible? I'm wondering if for doctor and hospital visits if Medicare as secondary would provide any relief for this high deductible and out-of-pocket max. I think that's the only way we could swing this new plan.
Thanks again for your help. I realize these are long messages (with run-on sentences) but I'm so confused and can't really seem to find the answers I need to make an informed decision. I've called Medicare, COBRA, and my clinic and am still confused. I'm kind of panicking because if I'm going to enroll with this employer and drop COBRA I need to enroll by Friday.
Hardak, unfortunately yes, by law Medicare (when you're on it due to disability) becomes primary when you enroll in COBRA. This I know for sure. It stinks but it's true. Another thing that stinks but is also true is that Medicare does not cover home IVs. From what I understand they will pay for home nursing but not the actually infusion drugs. Not sure what kind of sense that makes.
So with COBRA as my secondary I'm just not sure they'll pick up the home IVs after they are denied by Medicare. That was really the only thing I was questioning.
Jennifer, I think that is the common sense way to think about it. Why have COBRA w/Medicare as primary when you have access to a new group health plan?! <img src="i/expressions/face-icon-small-smile.gif" border="0"> To explain a little further.....I mentioned the new policy is bad right? LOL. Well it's a high deductible health plan that mainly covers "preventive medicine". So basically it covers NOTHING (including prescriptions) for me until I reach the 3,000 deductible and then the coverage is still crap. So basically we would meet our out-of-pocket max, which is $6,400 in no time. I'm thinking we would prob get to that out-of-pocket by the end of this year and then have to start over again in January. Ouch. That's why I thought if I could stay on COBRA which has excellent prescription copays (almost nothing) until an open enrollment period at his work, we would save money. But now with this whole Medicare as primary thing I'm really questioning it. So confusing.
For example, Cayston. The new insurance will not cover it at all until the deductible is met, as it is an antibiotic and not "preventive", so if I get on the new insurance and get Cayston refilled, I will be paying $3,000 of it to meet the the deductible and then after that they will pay 90% and I'll still have to pick up the rest. Which would still be about another $200, being as Cayston is around $5200 per month. Right now Cayston is the only inhaled antibiotic that I use so I can't really choose to not take it. Ugh.
Does Medicare as a secondary help you at all with your primary's deductible? I'm wondering if for doctor and hospital visits if Medicare as secondary would provide any relief for this high deductible and out-of-pocket max. I think that's the only way we could swing this new plan.
Thanks again for your help. I realize these are long messages (with run-on sentences) but I'm so confused and can't really seem to find the answers I need to make an informed decision. I've called Medicare, COBRA, and my clinic and am still confused. I'm kind of panicking because if I'm going to enroll with this employer and drop COBRA I need to enroll by Friday.
Thanks guys.
Hardak, unfortunately yes, by law Medicare (when you're on it due to disability) becomes primary when you enroll in COBRA. This I know for sure. It stinks but it's true. Another thing that stinks but is also true is that Medicare does not cover home IVs. From what I understand they will pay for home nursing but not the actually infusion drugs. Not sure what kind of sense that makes.
So with COBRA as my secondary I'm just not sure they'll pick up the home IVs after they are denied by Medicare. That was really the only thing I was questioning.
Jennifer, I think that is the common sense way to think about it. Why have COBRA w/Medicare as primary when you have access to a new group health plan?! <img src="i/expressions/face-icon-small-smile.gif" border="0"> To explain a little further.....I mentioned the new policy is bad right? LOL. Well it's a high deductible health plan that mainly covers "preventive medicine". So basically it covers NOTHING (including prescriptions) for me until I reach the 3,000 deductible and then the coverage is still crap. So basically we would meet our out-of-pocket max, which is $6,400 in no time. I'm thinking we would prob get to that out-of-pocket by the end of this year and then have to start over again in January. Ouch. That's why I thought if I could stay on COBRA which has excellent prescription copays (almost nothing) until an open enrollment period at his work, we would save money. But now with this whole Medicare as primary thing I'm really questioning it. So confusing.
For example, Cayston. The new insurance will not cover it at all until the deductible is met, as it is an antibiotic and not "preventive", so if I get on the new insurance and get Cayston refilled, I will be paying $3,000 of it to meet the the deductible and then after that they will pay 90% and I'll still have to pick up the rest. Which would still be about another $200, being as Cayston is around $5200 per month. Right now Cayston is the only inhaled antibiotic that I use so I can't really choose to not take it. Ugh.
Does Medicare as a secondary help you at all with your primary's deductible? I'm wondering if for doctor and hospital visits if Medicare as secondary would provide any relief for this high deductible and out-of-pocket max. I think that's the only way we could swing this new plan.
Thanks again for your help. I realize these are long messages (with run-on sentences) but I'm so confused and can't really seem to find the answers I need to make an informed decision. I've called Medicare, COBRA, and my clinic and am still confused. I'm kind of panicking because if I'm going to enroll with this employer and drop COBRA I need to enroll by Friday.
Hardak, unfortunately yes, by law Medicare (when you're on it due to disability) becomes primary when you enroll in COBRA. This I know for sure. It stinks but it's true. Another thing that stinks but is also true is that Medicare does not cover home IVs. From what I understand they will pay for home nursing but not the actually infusion drugs. Not sure what kind of sense that makes.
So with COBRA as my secondary I'm just not sure they'll pick up the home IVs after they are denied by Medicare. That was really the only thing I was questioning.
Jennifer, I think that is the common sense way to think about it. Why have COBRA w/Medicare as primary when you have access to a new group health plan?! <img src="i/expressions/face-icon-small-smile.gif" border="0"> To explain a little further.....I mentioned the new policy is bad right? LOL. Well it's a high deductible health plan that mainly covers "preventive medicine". So basically it covers NOTHING (including prescriptions) for me until I reach the 3,000 deductible and then the coverage is still crap. So basically we would meet our out-of-pocket max, which is $6,400 in no time. I'm thinking we would prob get to that out-of-pocket by the end of this year and then have to start over again in January. Ouch. That's why I thought if I could stay on COBRA which has excellent prescription copays (almost nothing) until an open enrollment period at his work, we would save money. But now with this whole Medicare as primary thing I'm really questioning it. So confusing.
For example, Cayston. The new insurance will not cover it at all until the deductible is met, as it is an antibiotic and not "preventive", so if I get on the new insurance and get Cayston refilled, I will be paying $3,000 of it to meet the the deductible and then after that they will pay 90% and I'll still have to pick up the rest. Which would still be about another $200, being as Cayston is around $5200 per month. Right now Cayston is the only inhaled antibiotic that I use so I can't really choose to not take it. Ugh.
Does Medicare as a secondary help you at all with your primary's deductible? I'm wondering if for doctor and hospital visits if Medicare as secondary would provide any relief for this high deductible and out-of-pocket max. I think that's the only way we could swing this new plan.
Thanks again for your help. I realize these are long messages (with run-on sentences) but I'm so confused and can't really seem to find the answers I need to make an informed decision. I've called Medicare, COBRA, and my clinic and am still confused. I'm kind of panicking because if I'm going to enroll with this employer and drop COBRA I need to enroll by Friday.
Thanks guys.
<br />
<br />Hardak, unfortunately yes, by law Medicare (when you're on it due to disability) becomes primary when you enroll in COBRA. This I know for sure. It stinks but it's true. Another thing that stinks but is also true is that Medicare does not cover home IVs. From what I understand they will pay for home nursing but not the actually infusion drugs. Not sure what kind of sense that makes.
<br />
<br />So with COBRA as my secondary I'm just not sure they'll pick up the home IVs after they are denied by Medicare. That was really the only thing I was questioning.
<br />
<br />Jennifer, I think that is the common sense way to think about it. Why have COBRA w/Medicare as primary when you have access to a new group health plan?! <img src="i/expressions/face-icon-small-smile.gif" border="0"> To explain a little further.....I mentioned the new policy is bad right? LOL. Well it's a high deductible health plan that mainly covers "preventive medicine". So basically it covers NOTHING (including prescriptions) for me until I reach the 3,000 deductible and then the coverage is still crap. So basically we would meet our out-of-pocket max, which is $6,400 in no time. I'm thinking we would prob get to that out-of-pocket by the end of this year and then have to start over again in January. Ouch. That's why I thought if I could stay on COBRA which has excellent prescription copays (almost nothing) until an open enrollment period at his work, we would save money. But now with this whole Medicare as primary thing I'm really questioning it. So confusing.
<br />
<br />For example, Cayston. The new insurance will not cover it at all until the deductible is met, as it is an antibiotic and not "preventive", so if I get on the new insurance and get Cayston refilled, I will be paying $3,000 of it to meet the the deductible and then after that they will pay 90% and I'll still have to pick up the rest. Which would still be about another $200, being as Cayston is around $5200 per month. Right now Cayston is the only inhaled antibiotic that I use so I can't really choose to not take it. Ugh.
<br />
<br />Does Medicare as a secondary help you at all with your primary's deductible? I'm wondering if for doctor and hospital visits if Medicare as secondary would provide any relief for this high deductible and out-of-pocket max. I think that's the only way we could swing this new plan.
<br />
<br />Thanks again for your help. I realize these are long messages (with run-on sentences) but I'm so confused and can't really seem to find the answers I need to make an informed decision. I've called Medicare, COBRA, and my clinic and am still confused. I'm kind of panicking because if I'm going to enroll with this employer and drop COBRA I need to enroll by Friday.
<br />
<br />
<br />
<br />Hardak, unfortunately yes, by law Medicare (when you're on it due to disability) becomes primary when you enroll in COBRA. This I know for sure. It stinks but it's true. Another thing that stinks but is also true is that Medicare does not cover home IVs. From what I understand they will pay for home nursing but not the actually infusion drugs. Not sure what kind of sense that makes.
<br />
<br />So with COBRA as my secondary I'm just not sure they'll pick up the home IVs after they are denied by Medicare. That was really the only thing I was questioning.
<br />
<br />Jennifer, I think that is the common sense way to think about it. Why have COBRA w/Medicare as primary when you have access to a new group health plan?! <img src="i/expressions/face-icon-small-smile.gif" border="0"> To explain a little further.....I mentioned the new policy is bad right? LOL. Well it's a high deductible health plan that mainly covers "preventive medicine". So basically it covers NOTHING (including prescriptions) for me until I reach the 3,000 deductible and then the coverage is still crap. So basically we would meet our out-of-pocket max, which is $6,400 in no time. I'm thinking we would prob get to that out-of-pocket by the end of this year and then have to start over again in January. Ouch. That's why I thought if I could stay on COBRA which has excellent prescription copays (almost nothing) until an open enrollment period at his work, we would save money. But now with this whole Medicare as primary thing I'm really questioning it. So confusing.
<br />
<br />For example, Cayston. The new insurance will not cover it at all until the deductible is met, as it is an antibiotic and not "preventive", so if I get on the new insurance and get Cayston refilled, I will be paying $3,000 of it to meet the the deductible and then after that they will pay 90% and I'll still have to pick up the rest. Which would still be about another $200, being as Cayston is around $5200 per month. Right now Cayston is the only inhaled antibiotic that I use so I can't really choose to not take it. Ugh.
<br />
<br />Does Medicare as a secondary help you at all with your primary's deductible? I'm wondering if for doctor and hospital visits if Medicare as secondary would provide any relief for this high deductible and out-of-pocket max. I think that's the only way we could swing this new plan.
<br />
<br />Thanks again for your help. I realize these are long messages (with run-on sentences) but I'm so confused and can't really seem to find the answers I need to make an informed decision. I've called Medicare, COBRA, and my clinic and am still confused. I'm kind of panicking because if I'm going to enroll with this employer and drop COBRA I need to enroll by Friday.
<br />
<br />
I do not know how medicare works, but with your COBRA policy there should be an appeal process. If they have covered home IVs in the past, I don't think they could deny coverage just because of medicare's denial now.
You could check with the state's attorney office to see what your rights are. I was able to take my vest claim to a peer review that ultimately approved the coverage. You may even be able to get a review on the Cayston coverage, since in your case it is "preventive" medicine. Good Luck
You could check with the state's attorney office to see what your rights are. I was able to take my vest claim to a peer review that ultimately approved the coverage. You may even be able to get a review on the Cayston coverage, since in your case it is "preventive" medicine. Good Luck
I do not know how medicare works, but with your COBRA policy there should be an appeal process. If they have covered home IVs in the past, I don't think they could deny coverage just because of medicare's denial now.
You could check with the state's attorney office to see what your rights are. I was able to take my vest claim to a peer review that ultimately approved the coverage. You may even be able to get a review on the Cayston coverage, since in your case it is "preventive" medicine. Good Luck
You could check with the state's attorney office to see what your rights are. I was able to take my vest claim to a peer review that ultimately approved the coverage. You may even be able to get a review on the Cayston coverage, since in your case it is "preventive" medicine. Good Luck
I do not know how medicare works, but with your COBRA policy there should be an appeal process. If they have covered home IVs in the past, I don't think they could deny coverage just because of medicare's denial now.
<br />You could check with the state's attorney office to see what your rights are. I was able to take my vest claim to a peer review that ultimately approved the coverage. You may even be able to get a review on the Cayston coverage, since in your case it is "preventive" medicine. Good Luck
<br />
<br />You could check with the state's attorney office to see what your rights are. I was able to take my vest claim to a peer review that ultimately approved the coverage. You may even be able to get a review on the Cayston coverage, since in your case it is "preventive" medicine. Good Luck
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Autumn, I would get in contact with Beth Sufian. She is a lawyer with cf who specializes in disabililty but is very versed in all things cf and the law. Here is her website <A HREF="http://www.sufianpassamano.com/content/atty_beth.html">http://www.sufianpassamano.com/content/atty_beth.html</A>. From my experience from speaking with her it is better to get advice from her because you may be omitting something here online for security reasons that she would ask you that would make your situation slightly different than another person.
That being said, after you speak with her could you let us know what she tells you is the way to go. I'm very curious because I could see myself in your situation. Did you accept only the free Medicare (assuming you got it because you are on SSDI)? I think it's called Part B. I don't think my hospital knows I have it which may be illegal but I was afraid it might mess things up.
That being said, after you speak with her could you let us know what she tells you is the way to go. I'm very curious because I could see myself in your situation. Did you accept only the free Medicare (assuming you got it because you are on SSDI)? I think it's called Part B. I don't think my hospital knows I have it which may be illegal but I was afraid it might mess things up.
Autumn, I would get in contact with Beth Sufian. She is a lawyer with cf who specializes in disabililty but is very versed in all things cf and the law. Here is her website <A HREF="http://www.sufianpassamano.com/content/atty_beth.html">http://www.sufianpassamano.com/content/atty_beth.html</A>. From my experience from speaking with her it is better to get advice from her because you may be omitting something here online for security reasons that she would ask you that would make your situation slightly different than another person.
That being said, after you speak with her could you let us know what she tells you is the way to go. I'm very curious because I could see myself in your situation. Did you accept only the free Medicare (assuming you got it because you are on SSDI)? I think it's called Part B. I don't think my hospital knows I have it which may be illegal but I was afraid it might mess things up.
That being said, after you speak with her could you let us know what she tells you is the way to go. I'm very curious because I could see myself in your situation. Did you accept only the free Medicare (assuming you got it because you are on SSDI)? I think it's called Part B. I don't think my hospital knows I have it which may be illegal but I was afraid it might mess things up.