Community Chat

[missy1]

It's only going to get worse.

[Carmie]

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@Kachina624 wrote:

@Carmie.  I have  Medicare Advantage Plan and the employer from whom I retired provides supplemental insurance.  All I pay is the monthly Medicare payment, and pay nothing for any medical service.  I can see any provider, use any facility that takes Medicare and can see any specialist without a referral.  I pay no co-pays and have no deductible.  I had major surgery, followed by 2 weeks in a rehab facility and didn't pay one cent.

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Your "supplemental"coverage can not be a Medicare supplement.  It is possible to have employer spensored coverage, but it is against the Federal law to have an Advantage Plan and a Medicare Supplement. It is impossible for a Medicare Supplement to work with an Advantage Plan.

You probably have a secondary insurance plan through your employer, not a supplement.

It also sounds like you have an Advantage PPO Plan.  No referrals are needed with this type of coverage. Do you have a zero preminum Advantage Plan or do you pay a monthly bill for that?

An HMO Advantage Plan is much different and referrals are needed.

[SydneyH]

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@Starpolisher wrote:

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@SydneyH wrote:

87 year old people should not be driving trucks, period.

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...Nor should they have to resort to going back to work due to the high cost of healthcare! Something really needs to be done about this. OTOH we are given the opportunity to live longer and then when we do it's almost to bad we didn't die younger! What's the point? We're not all rich like the CEO's of big Pharma. Very sad!

Either way elderly people behind the wheel of multi ton vehicles is not the answer.

[Kay Vee]

Yikes there can't be a trucking company out there that would hire an 87 year old.  Would the company's insurance even allow it?

[september]

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@Kachina624 wrote:

If this couple is low income, there is help available for prescription drugs through the Medicare program called, Extra Help.  You'd think they would have Medicare Part D to help with drug costs.  There's something "off" about their story.

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I think there's something off,too.  If both people are Medicare eligible and have a supplement ( I assume they do, since the husband was a financial planner), most of the expenses mentioned should be covered by insurance. I'm well aware of what is NOT covered, which would be home care aides or assisted living.  But this wasn't mentioned. 

[Burnsite]

Where I live in South Florida, many older people are working, including people in their 80s. One I know worked at Publix (a grocery store) because he got bored and wanted into their benefits program.  Someone who would like to have a better level of medical benefits might want to work for those.

It's not as if this man will be driving a truck around without getting a trucker's license first or having an interview.  Probably he is thinking about the thriving business (in my area) of small delivery vans.

[september]

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@Burnsite wrote:

Where I live in South Florida, many older people are working, including people in their 80s. One I know worked at Publix (a grocery store) because he got bored and wanted into their benefits program.  Someone who would like to have a better level of medical benefits might want to work for those.

It's not as if this man will be driving a truck around without getting a trucker's license first or having an interview.  Probably he is thinking about the thriving business (in my area) of small delivery vans.

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Good point.  Where I live, all of the folks who deliver flowers for the local shops, all appear to be older people who retired from other jobs.  They still earn a small income, and they seem quite capable.  

[Kay Vee]

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@Burnsite wrote:

Where I live in South Florida, many older people are working, including people in their 80s. One I know worked at Publix (a grocery store) because he got bored and wanted into their benefits program.  Someone who would like to have a better level of medical benefits might want to work for those.

It's not as if this man will be driving a truck around without getting a trucker's license first or having an interview.  Probably he is thinking about the thriving business (in my area) of small delivery vans.

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Actuallyit said he wanted to hit the road as a trucker and he waould be starting lessons for a CDL

[CrazyDaisy]

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@Kay Vee wrote:

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@Burnsite wrote:

Where I live in South Florida, many older people are working, including people in their 80s. One I know worked at Publix (a grocery store) because he got bored and wanted into their benefits program.  Someone who would like to have a better level of medical benefits might want to work for those.

It's not as if this man will be driving a truck around without getting a trucker's license first or having an interview.  Probably he is thinking about the thriving business (in my area) of small delivery vans.

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Actuallyit said he wanted to hit the road as a trucker and he waould be starting lessons for a CDL

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Commercial driver license come in various classes depending on the size/weight and classification of the truck.  Many local delivery services require a CDL to make local deliveries in vans or box trucks.

[dex]

@OKPrincess@If you have been retired for many years inflation alone can eat away at your savings... never mind that interest is really low.Add in some unexpected medical costs like say cancer,heart disease or dementia.alzheimers and boom.