Posted on 08/09/2019 8:17:04 AM PDT by yesthatjallen
My Plan F at 70 in Arizona is about the same. I am so glad I have it and didn’t try to economize. It is BC/BS and fantastic when you end up in something that is going to cost hundreds of thousands.
My Co workers sister who is on welfare just had a liver transplant? I always thought someone on welfare was not first on the list for this type of surgery?
I’m fully aware of trusts and wills, and powers of attorney etc. Unfortunately my Aunt and Uncle in the early 80’s were not. They never even finished high school.
Thanks for the advice. Everyone would be well advised to have their affairs in order before difficulties in their life or their loved ones lives arise.
There are only two things that you can’t avoid - Death and taxes.
As I like to say, “Nobody gets out of life alive!”
Medicare does not pay everything
Even Medicare Advantage policies with no monthly paymants have co pays and deductables that can be very expensive
Of course, the solution is no pay
Part B’s cost is income based. Locked into a network means you are not covered if you travel. That totally rules that out for us; our youngest grandkids are 1000 miles away.
We don’t have Advantage plans or HMOs where I live. I don’t believe that my Plan F requires providers to be ‘in network’. Ask your insurance guy to find out if you are limited to network providers. HTH
We plan on it.
Looks like Obamacare is a failure.
Obamacare is killing people.
Medicare A is automatic, but Medicare B is voluntary, but there is a lifetime penalty for not enrolling when you’re eligible. My mom messed up and paid the penalty for over 30 years.
FWIW I had insurance at work. I didn’t retire until I was 67, but the Medicare B, Plan F and Plan D cost less and the coverage was much better.
Pretty soon our culture of death will be sponsoring euthanasia for all those who’ve outlived their usefulness and this will be unnecessary.
You can keep your doctor and your rates WON’T go up.
Yup. Same here
I had paid for my own insurance since 1992. Always about $1200-1500/yr with $500 deductible from State farm.
Now it’s just insanity.
$7000+ deductible plus $500/Mon.
From $2000/yr max to $13000+/yr... Insane
I live in Washington. There are all kinds of very cheap insurance options for people with little money. My friend has Molina, which is for low-income seniors. She just had heart surgery, fully paid for at the finest hospital by the doctor of her choice. NO copay. She’s doing great, in good health and good spirits. I saw her last week.
Her granddaughter just graduated Magna Cum Laude from a good Catholic college.
I say this to demonstrate that my friend the 80=year-old grandma did run out of money but not because she’s stupid by any means.
If this couple had called social services in WA, they would have been steered to insurance they could afford. If they were truly low-income people.
Sounds like the couple didn’t consider all the options available to the them. They did not have to k*ll themselves.
Sad, but true. RIP.
Well, maybe they were hoping that Trump would get blamed. /s
Wh didn’t the GOP pass their healthcare reform when they held the majority in Congress?
As sad as this is, it says a lot for 0bungo’s mess, there is nothing affordable about the boondoggle and the Democrats know this
I’m sure you meant medicaid since all elderly who are on social security have medicare. There are two versions of medicare...part A covers everyone, and part B you have to pay for out of pocket unless your state has programs to help sub poverty folks to pay that premium.
However, medicarre doesn’t cover everything, so you have to pay deductibles out of pocket, and whatever medicare doesn’t pay comes out of pocket. You can still be left with thousands and thousands of dollars to pay out of pocket.
Then there are medicines. Part D covers meds...that is, if you have a separate insurance to cover those. Again, its out of pocket for the insurance, plus it only covers part of the cost of the meds. You can still have a substantial portion to pay out of pocket.
Some folks only live on 750$ per month, and for a couple, their income might a total of $900 combined. Factor in rent and utilities, groceries..
I know many here think life is a breeze full of freebies for low income people, but it isn’t. Much depends on what a state has to offer. Some states offer very little or are so damn restrictive that it may as well be nothing. My own husband was denied assistance in Tennessee simply, because he had a living relative with adequate means, and he could barely walk due to amputations of portions of his feet and a stroke. The state refused him nursing home care, and his daughter was forced to pay his medical bills.
And now, she herself is dying of triple negative breast cancer.
So no...its NOT a life full of fancy cars and freebies for the poor.
And the state doesn’t advertize what might genuinely be available.
No, I meant Medicare. In the post I was responding to, the FReeper had said the people were automatically enrolled in Medicare.
I replied with some reference to show that they do not seem to be automatically enrolled in Medicare, but they need to sign up. I was hoping that no other FReepers would be mislead to think that they did not need to sign up for Medicare coverage.
I realize that Medicare does not cover everything, and most people obtain some supplemental coverage and also I know that some people have very real income struggles.
I was not suggesting that life is full of freebies and fancy cars. I am sorry for your situation, but I don’t think I merit the “education” you seem to be offering.
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