Community Chat

[Josmad]

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@tarsmom wrote:

Thank you for your input.

I will call Medicare to confirm.  I know when I was an insurance agent years ago if a person met his deductible the last three months of the year, they did not need to meet a new one on Jan. 1.  

It just seems odd if someone turned 65 on 11/30/20, they only have 30 days to meet their deductible.  

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Yes you will have to meet a deductible this year and it starts over January 1. Medicare does not have fourth quarter carryover.  I don't think many companies have had fourth quarter carryover for a few years now. 

[Porcelain]

You're better off with private insurance. You can't count on Medicare to be there for you in the very near future.

[fairbanks2u]

hello, i received a packet and booklet, with a number to call, as well as a medicare.gov link.  Its a nightmare, believe me, and we no longer have 100% medicare coverage as promised when we were working.

[fairbanks2u]

hello, it will depend on which plan you go with, parts, advantage, gap, etc. you can find information on medicare.gov and can call someone who knows. Its a nightmare.

[fairbanks2u]

Maybe. Depends on your choices, which are nightmares to say the least. 

[Nuttmeg]

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@50Mickey wrote:

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@Shelbelle wrote:

Please correct me if I am wrong, but I dont think there is a deductible with Medicare, I have been on it for 3 years and never had a deductible. 

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Same with me. I am enrolled in a Medicare Advantage plan offered to retired GA State employees. I have never had to meet a deductible for office visits, tests or meds.  But thankfully I have not been hospitalized since being on Medicare so I don't know about that. 

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@50Mickey

Most state health insurance programs have very good websites. Please understand as much about your coverage as possible. 

[Josmad]

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@Porcelain wrote:

You're better off with private insurance. You can't count on Medicare to be there for you in the very near future.

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When you turn 65 you are required to sign up for Medicare, unless you have insurance through a large employer.  If you want to use ACA you will no longer be eligible for any subsidies and will have to pay the full premium.

[CalminHeart]

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@tarsmom wrote:

I turned 65 this month.  Does this mean I have to meet a deductible between now and 12/31/20 and then another one in 2021?

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Medicare covers about 80%.  If you purchased a supplemental plan, see what it says.  For example, I turned 65 in June and had a deductible for that year and thereafter.  But it's a very low deductible comparaed to what I had in my prior employer plan.

[BLH]

Yes, as far as doctor visits are concerned.  I don't know anything about the hosptal, but every person has an annural deductible every year starting Jan 1 for doctor visits.  A medicare advantage plan is totally different then having medicare and a supplement.

[BLH]

When you have medicare and a supplement, you can go to any doctor or hospital in this country everyday if you want.  Be very careful about medicare advantage plans.  If you have a HMO, there are no out of network benefits.  If you have a PPO then you have out of network benefits.  Also with an advantage plan you have co-pays which you don't have with medicare and a supplement.