Re: Medicare Supplements and Advantage Plans for Disabled

[Guest guest]

Mayleen

There are two major issues when looking at these plans when eligible for

medicare based on disability.

First, the insurers do not have to offer the same plans for disabled as

they do for over 65. Each state determines which supplements they have

to offer. In most states they have to offer at least Plan A. In Texas

there is only one, for instance, that offers Plan F. This is where

searching by state and searching for one that covers under 65 is

necessary.

Second, there are multiple ways of pricing. AARP on their supplements

uses Community Pricing so age is not a factor. Most use age as a factor

and it may be your current age or the one when you were first eligible.

This is used by many to discourage those of us disabled. For instance

you will find plans where the rates for those under 65 are double or

more those for over 65.

As to AARP which you asked about, on their supplement they use community

pricing and offer generally the least their state allows for those under

65. That means in Texas they only offer plan A. As to their Advantage

Plan, the real issue becomes who will accept it. For instance, Sher has

a BCBS Advantage Plan and loves it. In my area the doctors and hospitals

for the most part will not accept any Advantage Plan. One Plan I looked

at had one hospital in the entire Dallas Fort Worth area and it wasn't a

good one.

Anyone potentially eligible for medicare needs to start researching very

early and review the excellent medicare.gov site well. They need to

check with their providers and check with insurers. Many senior centers

or services do offer counselors to help with medicare and very

knowledgeable in the subject.

> Jan, I found this site, you have to select the state you are in for

coverage.. Florida seems to cover oxygen theraphy at 80%, patient pays

20% ope.

>

> http://www.medicare .gov/Coverage/ Home.asp

>

> God Bless !!

> dragonflymcs

> Mayleen 02/07 ILD / MCS/ Fibro/ RADS/ TMJD/ IRD +14

> < Click on me !!

>

>

>

> Oxygen Rules & Regs

>

>

> My oxygen driver told me that the legislation has been passed already

> in Washington regarding Medicare will no longer cover our tanks, etc.,

> and that I am now responsible for the upkeep and repairs on all my

> tanks? I have 8 100lb. tanks in my home! I guess I own all these

> tanks and tops now seeing I've had most of them for five years now.

> The rental has far exceeded the purchase price many times over I am

> sure!

>

> I had read last week, I think, that they weren't even going to

finalize

> this piece of craziness until January 09...am I behind the times?!!

> I've still been writing my Texan Senators and Legislators. ..

>

> Anyone else trying to fight this bill with Medicare??

>

>

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