Community Chat

[gertrudecloset]

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@CelticCrafter wrote:

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@gertrudecloset wrote:

Part F would be considered a Medicare Supplement Plan.  If you worked with Medicare so long did you forget this?  You forgot it the first time too.  Then there is Supplement Letters G, K, L, M and N.  The most popular Supplement Plan (Medigap) is Plan F.  It will not be available to everyone who wants it though, effective 2020.

Wait....we did this already in another section, right?  Oh yeah.......

I was wondering why I'm finding myself typing the same stuff from before @Carmie .

Strictly speaking about Medicare:

Part A pays your hospital

Part B doc visits, tests, medical equipment and any docs seen in the hospital

Part C (is simply the letter given) to denote Medicare Advantage Plans

Part D (simply given to denote Part D) prescription Drug Plans

The above have nothing to do with Medigap/Supplement Plan Letters mentioned above.  Those supplement plans have different lettering because they offer different kinds of coverage.  Not all of them are available in every state.  Plan F Medigap was very popular for some reason and if you are not grandfathered in you will not be able to buy that Supplement type F if you will be new to Medicare.  You may have access to the other Supplement letters above.  Speak to someone at Medicare.gov or an insurance agent in your locality.

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@gertrudecloset there is no Part F, there is a Plan F.  Parts and Plans are two different things.

You have to have Parts, if you don't, you will be penalized should you need them at some point and you are no longer in your "personal" enrollment period.

You don't have to have a Plan.

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Yes, Plan F then.  But they are lettered

 which causes confusion for many @CelticCrafter 

[Othereeeen]

Medicare Part B costs are based on your  Modifed Adjusted Gross Income(MAGI) from two years ago.

Someone here said thier premiums went to over 200. a month...that's because thier MAG INCOME must have been over 91000 per year two years ago.

Go to Medicare.Gov and see "Cost of Medicare Part B".

Chart explains it clearly.

You monthly Part B does not jump from 148.50 to over 200. unless your Modified Adjusted Gross Income from TWO YEARS PRIOR is over 91,000 (single filer) or 182,000 for Married FIling Joint.

Lots of people don't know this, or, are fooled into thinking it's some kind of gimmick.

Clearly explained on Medicare.gov...which is a different education tool than Facebook University, where most people get thier 'facts" from today.

[qualitygal]

Guess at some point we may have to go back to work as a suppliment.  At this point in life, hmmmmmmmmmm????  No comment, don't want to shut this place down.

[Trinity11]

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@Othereeeen wrote:

Medicare Part B costs are based on your  Modifed Adjusted Gross Income(MAGI) from two years ago.

Someone here said thier premiums went to over 200. a month...that's because thier MAG INCOME must have been over 91000 per year two years ago.

Go to Medicare.Gov and see "Cost of Medicare Part B".

Chart explains it clearly.

You monthly Part B does not jump from 148.50 to over 200. unless your Modified Adjusted Gross Income from TWO YEARS PRIOR is over 91,000 (single filer) or 182,000 for Married FIling Joint.

Lots of people don't know this, or, are fooled into thinking it's some kind of gimmick.

Clearly explained on Medicare.gov...which is a different education tool than Facebook University, where most people get thier 'facts" from today.

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👏👏👏👏👏👏👏👏👏👏👏👏👏👏👏👏👏👏👏

[gertrudecloset]

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@Othereeeen wrote:

Medicare Part B costs are based on your  Modifed Adjusted Gross Income(MAGI) from two years ago.

Someone here said thier premiums went to over 200. a month...that's because thier MAG INCOME must have been over 91000 per year two years ago.

Go to Medicare.Gov and see "Cost of Medicare Part B".

Chart explains it clearly.

You monthly Part B does not jump from 148.50 to over 200. unless your Modified Adjusted Gross Income from TWO YEARS PRIOR is over 91,000 .

Lots of people don't know this, or, are fooled into thinking it's some kind of gimmick.

Clearly explained on Medicare.gov...which is a different education tool than Facebook University, where most people get thier 'facts" from today.

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@Othereeeen , I know right?  Not a good idea to get information like this.  It's personal and so different for everyone.

Yes.  Medicare.gov.  Not Medicare.com either @Othereeeen .  You're so right.  Go to the source for info.

On Medicare.gov you can create an account.  On Social Security Administration website you can create an account to do simple things.  Like print an award letter, look at past docs and everything.  

[Snowpuppy]

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@CalminHeart wrote:

59 of the 60 most developed countries on our planet have successfully implemented universal healthcare. Guess who is #60. The reason we don't is because too many U.S. politicians are owned by big pharma and medical providers.

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Universal healthcare won't be free. You will pay for it. One way or another. Canadians pay for it thru a gasoline tax. There is about a 6 month wait to see a specialist in their system.

We found out with ACA that getting everyone covered solves nothing. My dr now sees patients with $10,000 deductibles just so they can afford it.

[Effie54]

Unfortunately, the prices of everything have gone up....especially in the past year. We haven't had inflation like this since 2008. 

[mac116]

BEFORE I retired, I paid $805 a month for health insurance FROM my employer.  The coverage was just okay.  For ME, the Medicare + Advantage premiums are so much lower.  The coverage for ME is great!

[SoonerLater]

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@Carmie wrote:

@SoonerLater   You can always drop your Advantage Plan and pick up Origional Medicare, ( OM) but it is often impossible to buy a supplement Plan to go with it.

Most insurance companies will not allow you to buy a supplement plan.  Those who do will charge you more... a whole lot more. They also look at preexisting conditions.

I always tell people that they should be careful when going to an Advantage Plan and should not plan on ever going back to Original Medicare. 

You need to check out your options now.  You can also look at different Advantage  Plans. You can choose a different one without penalty.

Please be advised that If you so go back to OM, you will  probably pay a penalty in Higher fees for RX coverage.

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@Carmie The problem was that my former employer switched us last year to an Advantage Plan, we had no option except to opt out, then losing any payment from our employer.  So I had no choice in it.

BUT I am seriously looking into switching back this year.  I hate being in a PPO.  

[northiie57]

this does not surprise me, it's just $21 I will never see