Re: Social Security & Medicare - Barbara

[Guest guest]

A person can get Social Security at 62 but no Medicare until 65.  That is also

my position. So I also have no insurance right now.  Jan

>

....With no medical insurance and living on Social Security it's not easy looking

for a way to get healthy. Hoping for a miracle somewhere.

Barbara

[Guest guest]

You can get Medicare at any age if you have a disabling condition or

illness. My daughter got mrdicare at 16 yrs. old.

Donna ACS

You wrote:

> A person can get Social Security at 62 but no Medicare until 65. That is also

my position. So I also have no insurance right now. Jan

>

>...With no medical insurance and living on Social Security it's not

> easy looking for a way to get healthy. Hoping for a miracle somewhere.

> Barbara

>

[Guest guest]

Also if income eligible you can have both Medicaid and Medicare and

Medicaid pays for your Medicare so you don't have Medicare amount taken

out of your SS check.

Donna ACS

>

>

> Barbara,

>

> If you are receiving U.S Social Security benefits, then shouldn't you

> qualify for Medicare? Although it has been my experience, Medicare

> does not pay what they should or claim to pay for, at least it some

> coverage. Further, you can purchase a Medicare Advantage policy, which

> is supposed to cover providers who do not participate in Medicare.

>

> Hope this helps.

>

> Nance

>

> bk4529@... wrote:

> >

> ...With no medical insurance and living on Social Security it's not

> easy looking for a way to get healthy. Hoping for a miracle somewhere.

>

> Barbara

>

>

[Guest guest]

Not true Jan - I've had Medicare coverage since I was 42. There is a 2

year waiting period tho.

~Amber

> A person can get Social Security at 62 but no Medicare until 65. That is also

my position. So I also have no insurance right now. Jan

>

[Guest guest]

That's if you got the social security through a disability.  If it is just a

normal early retirement which you can get at 62, you have to wait till you reach

the full retirement age for Medicare.  Jan

From: Stargazer <Stargazer@...>

Subject: Re: [ ] Social Security & Medicare - Barbara

Date: Sunday, October 18, 2009, 5:48 PM

 

Not true Jan - I've had Medicare coverage since I was 42. There is a 2

year waiting period tho.

~Amber

> A person can get Social Security at 62 but no Medicare until 65. That is also

my position. So I also have no insurance right now. Jan

>

[Guest guest]

It isn't easy to get the disability, depending on the evaluator of course.  Some

are quite tough.  The requirements are stiff, but some of the evaluators have

soft hearts and will fudge a bit.  They are easier for kids --- but

re-evaluation at 18 is often a shock to parents who think there will be no

problem.  If the person is an adult there are often jobs that can be done even

when the person thinks he/she cannot work.  There is a formula that includes

age, intelligence level, and background.  But often a person is turned down for

disability and referred to Vocational Rehab because there are other, simpler

though lower paying jobs they can do.  With cancer patients, the formula also

includes life expectancy.  It's not a sure thing, but if a person is patient it

is worth trying.  Jan

>...With no medical insurance and living on Social Security it's not

> easy looking for a way to get healthy. Hoping for a miracle somewhere.

> Barbara

>

[Guest guest]

That's unfair! You are already penalized with a smaller check when you

retire early. I didn't know they withheld Medicare on top of that :-(

~Amber

> That's if you got the social security through a disability. If it is just a

normal early retirement which you can get at 62, you have to wait till you reach

the full retirement age for Medicare. Jan

>

>

>

>

> F

[Guest guest]

I think if you are in drug and alcohol rehab you can get it also! Also

mental health problems usually qualify.

Donna ACS

You wrote:

>

> It isn't easy to get the disability, depending on the evaluator of

> course. Some are quite tough. The requirements are stiff, but some

> of the evaluators have soft hearts and will fudge a bit. They are

> easier for kids --- but re-evaluation at 18 is often a shock to

> parents who think there will be no problem. If the person is an adult

> there are often jobs that can be done even when the person thinks

> he/she cannot work. There is a formula that includes age,

> intelligence level, and background. But often a person is turned down

> for disability and referred to Vocational Rehab because there are

> other, simpler though lower paying jobs they can do. With cancer

> patients, the formula also includes life expectancy. It's not a sure

> thing, but if a person is patient it is worth trying. Jan

>

>

> >...With no medical insurance and living on Social Security it's not

> > easy looking for a way to get healthy. Hoping for a miracle somewhere.

> > Barbara

> >

>>

[Guest guest]

You know how your mother always said " Who said life was fair? "   She was getting

you ready for Social Security! 

>

>

> F

[Guest guest]

Yes you are right my daughters dad had cancer and had to go on

disability and at 2 years he got Medicare then Medicaid when he had to

go to a nursing home.

Donna ACS

>

>

> Not true Jan - I've had Medicare coverage since I was 42. There is a 2

> year waiting period tho.

>

> ~Amber

> > A person can get Social Security at 62 but no Medicare until 65.

> That is also my position. So I also have no insurance right now. Jan

> >

>

>

[Guest guest]

So true Jan! And just wait until Ob ama gets done with it.

~Amber

> You know how your mother always said " Who said life was fair? " She was

getting you ready for Social Security!

>

>

[Guest guest]

One can qualify for SS monthly benefit and not yet be able to qualify for

Medical benefits because of age.

Depending upon DOB, one might have qualified at age 62 for a monthly retirement

check but have to wait until 65 for Medicare.

I believe that has been changed and retirement for some is already up to age 67.

Hospitals must take Medicare benefits and I believe cannot back-charge the

patient for amounts not paid for by Medicare. Same thing with Doctors that

accept Medicare. However, I do not know all the rules and until people are

of Medicare eligible coverage or the lesser cost Medicare Advantage Plans, they

are at the mercy of the Money Machine..........or rather, Money-making machine

called Conventional Medicine.

Look for the Medicare Advantage Plans to be scaled back regardless of

Health-Care-Reform because the Government, which is 'we the people'. are

subsidizing those plans and their benefits are superior to standard Medicare

plans. People on Medicare are forced to buy very expensive Supplemental

Coverage that pays the 20% of Approved Medicare Charges.

The solution, from an Insurance Man's perspective is, MEDICARE FOR

ALL........but with fair pay to physicians until such time as all Physicians are

on salary as is at The Cleveland Clinic and not paid by the procedure. Get

every new doctor, sign them up at a good wage and eventually everyone will be in

the system. Let's face it, no matter whether you are Alternative or not, we

still need tests and the occasional emergency surgery or wound care.

Joe C.

[Guest guest]

It isn't 'unfair' to get a smaller check when retiring earlier. Otherwise why

not retire at 50 and get the same size check as one does at 65? By the way,

there would be plenty of bucks in the SS kitty if they didn't borrow against it

or if the crooks didn't scam it.

Additionally, they need to charge more for Medicare and a lot more for Medicare

Advantage Plans or better still, cut them out. Think about this. If one is

say 64 years old, depending upon where they live, they might have a monthly

premium of around $600. However a year later, only $100 for Medicare. ????

Doesn't add up.

I stayed one year later, filed at 63 and was convinced to do so because it would

have taken 13 years when the break-even point came. In other words I would be

collecting 13 years of monthly checks before it would have been better if I

waited until 65. Big gamble. A bigger gamble would be if we had let these

clowns put our money in Bernie Madoff's or the Bandits of Wall-Street's hands.

Imagine our money in Enron's or GMs Stock? Thanks but no thanks.

Sorry to digress from alternative protocol subject, I just wanted to comment on

Medicare's good points.

[Guest guest]

jcastron1 writes:

> Look for the Medicare Advantage Plans to be scaled back regardless of

> Health-Care-Reform because the Government, which is 'we the people'. are

> subsidizing those plans and their benefits are superior to standard Medicare

> plans. People on Medicare are forced to buy very expensive Supplemental

> Coverage that pays the 20% of Approved Medicare Charges.

>

>

I know nothing abuot medicare advantage plans. I've been on medicare with

AARP medigap and the expense is killing me. Can you tell me more abuot the

medicare advantage plans?

[Guest guest]

The plans are ideally suited for anyone that has problems paying for the

supplements, something that costs a lot for a decent plan. It costs you

absolutely nothing above the cost for Medicare. The Gov pays them directly.

Now they have 'open enrollment' times when you can join without any health issue

questions. Some of them have travel issues and will not cover you in another

state except for emergency treatments. Great cost saving plans!!!

Almost every major company has such plans. Blue Cross/Blue Shield, Humana,

Aetna etc...........

Call up your local Blue Cross office and ask them about it.

I'll try to find an ad I received from Aetna today and will try to dig out the

info for you.

Joe C.