Medicare Help!! What to choose??

T

tckylem

New member
I am 32 with CF. i recieved a lung TX over 2 years ago.

I just recieved medicare. I need to know what is best. I have part A & B.

Do I need To choose an advantage plan (part C?) Or just choose part D (prescription drug Plan.)

Please let me know what you do and how it is working for you.

Thank you
 
T

tckylem

New member
I am 32 with CF. i recieved a lung TX over 2 years ago.

I just recieved medicare. I need to know what is best. I have part A & B.

Do I need To choose an advantage plan (part C?) Or just choose part D (prescription drug Plan.)

Please let me know what you do and how it is working for you.

Thank you
 
T

tckylem

New member
I am 32 with CF. i recieved a lung TX over 2 years ago.

I just recieved medicare. I need to know what is best. I have part A & B.

Do I need To choose an advantage plan (part C?) Or just choose part D (prescription drug Plan.)

Please let me know what you do and how it is working for you.

Thank you
 
T

tckylem

New member
I am 32 with CF. i recieved a lung TX over 2 years ago.

I just recieved medicare. I need to know what is best. I have part A & B.

Do I need To choose an advantage plan (part C?) Or just choose part D (prescription drug Plan.)

Please let me know what you do and how it is working for you.

Thank you
 
T

tckylem

New member
I am 32 with CF. i recieved a lung TX over 2 years ago.
<br />
<br />I just recieved medicare. I need to know what is best. I have part A & B.
<br />
<br />Do I need To choose an advantage plan (part C?) Or just choose part D (prescription drug Plan.)
<br />
<br />Please let me know what you do and how it is working for you.
<br />
<br />Thank you
<br />
<br />
 
L

Landy

New member
I wish I could help. I only have A&B because I have add'l insurance through my husband's employer and I also have Rx coverage through his employment too, so I declined Part D.

I'm not familiar with Part C--is that a supplemental plan designed to pick up what Medicare doesn't pay for?

I would for sure suggest Part D if you don't currently have Rx coverage.

Hopefully someone else can help that has more knowledge of the ins & outs of Medicare.
 
L

Landy

New member
I wish I could help. I only have A&B because I have add'l insurance through my husband's employer and I also have Rx coverage through his employment too, so I declined Part D.

I'm not familiar with Part C--is that a supplemental plan designed to pick up what Medicare doesn't pay for?

I would for sure suggest Part D if you don't currently have Rx coverage.

Hopefully someone else can help that has more knowledge of the ins & outs of Medicare.
 
L

Landy

New member
I wish I could help. I only have A&B because I have add'l insurance through my husband's employer and I also have Rx coverage through his employment too, so I declined Part D.

I'm not familiar with Part C--is that a supplemental plan designed to pick up what Medicare doesn't pay for?

I would for sure suggest Part D if you don't currently have Rx coverage.

Hopefully someone else can help that has more knowledge of the ins & outs of Medicare.
 
L

Landy

New member
I wish I could help. I only have A&B because I have add'l insurance through my husband's employer and I also have Rx coverage through his employment too, so I declined Part D.

I'm not familiar with Part C--is that a supplemental plan designed to pick up what Medicare doesn't pay for?

I would for sure suggest Part D if you don't currently have Rx coverage.

Hopefully someone else can help that has more knowledge of the ins & outs of Medicare.
 
L

Landy

New member
I wish I could help. I only have A&B because I have add'l insurance through my husband's employer and I also have Rx coverage through his employment too, so I declined Part D.
<br />
<br />I'm not familiar with Part C--is that a supplemental plan designed to pick up what Medicare doesn't pay for?
<br />
<br />I would for sure suggest Part D if you don't currently have Rx coverage.
<br />
<br />Hopefully someone else can help that has more knowledge of the ins & outs of Medicare.
 
J

JustDucky

New member
Medicare can be so confusing! I have been on Medicare for over 3 years now, it is also my primary ins. I have parts A and B (part A covers hospitalization, part B doctor's visits, DME,labs, etc..). I opted to have a supplemental Medigap insurance to cover the 20% that medicare does not (Medicare pays 80%...if you have huge expenses, make sure the other 20% is covered!).
Yes, there are advantage plans in medicare, they are like HMO's I believe. I chose not to stick with a HMO because my docs are spread over 3 states! Check out medicare.gov to look at all of the options.
I also have Part D, which is for medication through Humana. (Some advantage plans work part D into their packages).
It took quite a bit of soul searching to find the right plan for me...personally, I did not want to be tied down to a HMO type of plan...I wanted the freedom to go to any doc as long as they took Medicare.
When you start your search, it will be overwhelming at first...depending on what state you live in, there will be many different choices, all with their own premiums etc. The medicare site should be able to help guide you through this too.
I hope this helps...hugs, Jenn <img src="i/expressions/face-icon-small-smile.gif" border="0">
 
J

JustDucky

New member
Medicare can be so confusing! I have been on Medicare for over 3 years now, it is also my primary ins. I have parts A and B (part A covers hospitalization, part B doctor's visits, DME,labs, etc..). I opted to have a supplemental Medigap insurance to cover the 20% that medicare does not (Medicare pays 80%...if you have huge expenses, make sure the other 20% is covered!).
Yes, there are advantage plans in medicare, they are like HMO's I believe. I chose not to stick with a HMO because my docs are spread over 3 states! Check out medicare.gov to look at all of the options.
I also have Part D, which is for medication through Humana. (Some advantage plans work part D into their packages).
It took quite a bit of soul searching to find the right plan for me...personally, I did not want to be tied down to a HMO type of plan...I wanted the freedom to go to any doc as long as they took Medicare.
When you start your search, it will be overwhelming at first...depending on what state you live in, there will be many different choices, all with their own premiums etc. The medicare site should be able to help guide you through this too.
I hope this helps...hugs, Jenn <img src="i/expressions/face-icon-small-smile.gif" border="0">
 
J

JustDucky

New member
Medicare can be so confusing! I have been on Medicare for over 3 years now, it is also my primary ins. I have parts A and B (part A covers hospitalization, part B doctor's visits, DME,labs, etc..). I opted to have a supplemental Medigap insurance to cover the 20% that medicare does not (Medicare pays 80%...if you have huge expenses, make sure the other 20% is covered!).
Yes, there are advantage plans in medicare, they are like HMO's I believe. I chose not to stick with a HMO because my docs are spread over 3 states! Check out medicare.gov to look at all of the options.
I also have Part D, which is for medication through Humana. (Some advantage plans work part D into their packages).
It took quite a bit of soul searching to find the right plan for me...personally, I did not want to be tied down to a HMO type of plan...I wanted the freedom to go to any doc as long as they took Medicare.
When you start your search, it will be overwhelming at first...depending on what state you live in, there will be many different choices, all with their own premiums etc. The medicare site should be able to help guide you through this too.
I hope this helps...hugs, Jenn <img src="i/expressions/face-icon-small-smile.gif" border="0">
 
J

JustDucky

New member
Medicare can be so confusing! I have been on Medicare for over 3 years now, it is also my primary ins. I have parts A and B (part A covers hospitalization, part B doctor's visits, DME,labs, etc..). I opted to have a supplemental Medigap insurance to cover the 20% that medicare does not (Medicare pays 80%...if you have huge expenses, make sure the other 20% is covered!).
Yes, there are advantage plans in medicare, they are like HMO's I believe. I chose not to stick with a HMO because my docs are spread over 3 states! Check out medicare.gov to look at all of the options.
I also have Part D, which is for medication through Humana. (Some advantage plans work part D into their packages).
It took quite a bit of soul searching to find the right plan for me...personally, I did not want to be tied down to a HMO type of plan...I wanted the freedom to go to any doc as long as they took Medicare.
When you start your search, it will be overwhelming at first...depending on what state you live in, there will be many different choices, all with their own premiums etc. The medicare site should be able to help guide you through this too.
I hope this helps...hugs, Jenn <img src="i/expressions/face-icon-small-smile.gif" border="0">
 
J

JustDucky

New member
Medicare can be so confusing! I have been on Medicare for over 3 years now, it is also my primary ins. I have parts A and B (part A covers hospitalization, part B doctor's visits, DME,labs, etc..). I opted to have a supplemental Medigap insurance to cover the 20% that medicare does not (Medicare pays 80%...if you have huge expenses, make sure the other 20% is covered!).
<br /> Yes, there are advantage plans in medicare, they are like HMO's I believe. I chose not to stick with a HMO because my docs are spread over 3 states! Check out medicare.gov to look at all of the options.
<br />I also have Part D, which is for medication through Humana. (Some advantage plans work part D into their packages).
<br />It took quite a bit of soul searching to find the right plan for me...personally, I did not want to be tied down to a HMO type of plan...I wanted the freedom to go to any doc as long as they took Medicare.
<br />When you start your search, it will be overwhelming at first...depending on what state you live in, there will be many different choices, all with their own premiums etc. The medicare site should be able to help guide you through this too.
<br />I hope this helps...hugs, Jenn <img src="i/expressions/face-icon-small-smile.gif" border="0">
<br />
 
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