Skip to comments.Many still confused as Medicare deadline approaches
Posted on 12/02/2013 2:24:12 AM PST by Cincinatus' Wife
"........Medicare's open enrollment period for 2014 ends Saturday. Most people who fail to pick coverage by then will get locked into their current coverage for another year.
The Humana survey reinforces how complex their choices can be particularly when the health care marketplace is in such turmoil.
Hospitals and medical practices are forming new alliances. Insurance companies are compressing provider networks. The Obamacare marketplace though it does not directly affect people on Medicare has sown confusion. It has later enrollment deadlines, and they have changed due to the rollout problems.
But again the Medicare deadline is Saturday.
.......SHINE's call volume spiked this time last year, when BayCare Health Systems temporarily broke network ties with UnitedHealthcare, the insurance company that administers popular AARP Medicare plans.
This year was more of the same, after UnitedHealthcare dropped hundreds of Tampa Bay doctors from AARP networks and discontinued relationships with popular institutions like Moffitt Cancer Center.
"Increased copayments, dropping doctors and the Moffitt thing were a big deal for some people,'' Franckle said......."
(Excerpt) Read more at tampabay.com ...
I “aged into” Medicare in October. Gathering info and attempting to understand the system was a process I began in February. I have to say that it’s a mess. The process is cumbersome, the printed information is a lot of bafflegab, and some is blatantly incorrect. I’m eligible to join Mensa, and DH is a Physicist, but this abomination had us tearing out our hair. Sadly, we’re still confused.
They have these government drones called SHIP representatives, and the ones who did our presentations were borderline retarded (I know, that word isn’t P.C. but still...). If a meeting attendee mentioned “Obamacare”, the gubmint chick would glare and shout, “Affordable Care Act!” And that’s when we knew Medicare would be in trouble, as the White Hut obviously is brainwashing the Medicare presenters.
The presenters provide a dollar amount for the cost of (free) Medicare — $104/mo. What they don’t tell you is that if you’ve been a responsible citizen and have made decent wages, you’ll pay a large additional amount on top of the $104. In the printed info, it’s a teeny tiny blurb in the Fed booklet. If you buy a Part D prescription plan for “X” dollars, they deduct that much again from Social Security. So an $11/mo. Part D plan costs $22/mo. Of course, this only occurs if you’ve been a responsible citizen and have made decent wages.
It’s absolutely maddening that the government hands you a book decreeing how you must handle your own wellbeing. You can do such-and-such; you are forbidden to do such-and-such. How dare they?
OK. I’m finished venting... for now.
Who was it that expanded Medicare and Medicaid to cover many, many more people than it was originally designed to cover?
So DEMOCRATS ... SHUT UP!!!
You have no integrity!!!
I work in the Medicare supplement side with bcbs of Illinois, Texas, new Mexico, Oklahoma and Montana. If you have any questions, send me a private newsgroup and i will try to answer them.
Medicare can be confusing, no doubt about it. Try this for information:
Note that AFAIK, what you’ve made in past wages (years ago) doesn’t affect what you pay now.
“what youve made in past wages (years ago) doesnt affect what you pay now.”
Tell that to whomever it is at Social Security pulling extra $$ from my account. It’s either past wages, past income (includes investment income) from recent years, and/or current income including investments. Whatever it is, we’re being punished for earning and investing responsibly. When I get a break this morning I’ll review the info in the link you sent — although I believe I’ve read that doc before.
Thanks for sending the info. I do appreciate it.
“The presenters provide a dollar amount for the cost of (free) Medicare $104/mo. What they dont tell you is that if youve been a responsible citizen and have made decent wages, youll pay a large additional amount on top of the $104. In the printed info, its a teeny tiny blurb in the Fed booklet. If you buy a Part D prescription plan for X dollars, they deduct that much again from Social Security. So an $11/mo. Part D plan costs $22/mo. Of course, this only occurs if youve been a responsible citizen and have made decent wages.”
Plus, you and your employer have been paying a Medicare premium for years before you became eligible. If you were self employed, I think that you paid the employer’s share.
Of course it never ends for those of us who have paid taxes, fica, state and Medi Care taxes all of our lives.
Last year during the Thanksgiving break, we got letters from our IRA adminstrators telling us:
That, we had a good year, and we needed to contribute more to our IRAs yearly minimum distribution to avoid tax penalties for that year, and our monthly minimal distributions would be increased for 2013.
Our older son was visiting and was in the same room when I opened the letters and handed them to my wife. He looked at us asked what was wrong?
I handed him the letters, and told him this was another joy he had to look forward to.
If we could keep the increase in our IRA and not pay a penalty or have the minimum distributions, there would be more left over in when we left feet first to inherit. Now all withdrawals was being taxed at a high federal and state tax rate.
“That is incorrect. If the plan charges $11, you are charged $11. If SS is deducting $22, that is because the plan charges $22. Recheck what you signed up for.”
Sadly, that is NOT incorrect. I pay $11 via automatic deduction from my checking account to the insurance company from whom I get my prescription plan. When I receive my SS check, an additional amount has been deducted specifially for prescriptions. That amount is actually more than the premium the insurance company charges me. Go figure. I have a letter from the Feds explaining what they’re doing, and why they’re doing it.
I have a similar letter from the Feds explaining why they’re deducting more ($48) from my SS check above and beyond the normal $104 for Part B.
I bought a supplemental/Medigap Plan G appropriate for my county in Tennessee. It’s through AFLAC. AFLAC deducts the monthly premium from my checking account. Considered both Advantage and Medigap options but chose Medigap.
You probably need to contact your insurance company.
The premium is an either-or. Either you pay it direct OR you have it deducted from your SS payment.
I bet your insurance co. sent you a payment book. You need to contact them to determine whether you need to make the payments or whether they are deducted via SS. Also, check your social security account and medicare account online to see what they are showing.
There is no reason to be paying twice — unless you just want to give the insurance company extra money.
Medigap differs from Medicare Advantage.
Medigap is in-addition-to that pays the 20% Medicare does not pay.
Medicare Advantage basically replaces Medicare with a private insurance.
The plans and premiums vary from state to state and within a state.
Yes; I’m very familiar with Advantage vs Medigap. I’m blessed to be able to afford the Medigap/Supplemental option. Thanks!
My sister and my husband, both born in ‘51, are happy that I’ve done the hard work, know the drill, and can pass on my considerable knowledge to them when it’s their day in the barrel. Of course, by that time Obama will have revamped all of it — and not in good way.
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