Insurance coordination help

patbz · ‎03-10-2010

My BIL is 61 and is having Alzheimer's like symptoms. He has apts with 3 different neurologists this week to try to pin down exactly what he has (there are some Pick Disorder symptoms). He is retired and has bcbs from his union but he is quickly exceeding his allocated yearly office visits etc. I suggested he find someone who can analyze all the incoming bills (overcharged, duplicate charges etc) and recommend supplementary insurance etc. He and his wife both had solid upper middle class careers so they aren't eligible for low income stuff. Btw they live in CA.

Nuttmeg · ‎03-09-2010

https://en.wikipedia.org/wiki/Patient_advocacy

http://www.opa.ca.gov/Pages/Home.aspx

https://www.benefitscheckup.org/

Your BIL insurance company may have an advocate. They will be watching their treatment dollars.

Carmie · ‎10-25-2010

There is no supplemental insurance for people who do not have Medicare. It is also not legal to sell a person a health insurance when they already have health insurance. You can't have two policies unless they are part of employment benefits. In other words, you can't self pay for a policy when you already have one.

Yes, some people do have long term care insurance or cancer insurance which can be very helpful, but you can't purchase these types of policies when you have a pre- existing condition... You need to buy them before you need them,

Many people have Medicaid in addition to their health insurance policy. This happens often if there is a medical or mental condition that warrants it.. A lot of these people are children with severe disabilities.

Your BIL will probably have to pony up for his medical expenses and if they add up, he might be able to claim the expenses on his income tax return.

it is so sad that middle income people have to find themselves spending their retirement income on health care because their insurance Doesn't cover their needs.

i might add that your BIL should check with the union to see if they offer more than one type of insurance. They might offer one that will better suit his needs. It s common that there are more then one option.