Quote:
Originally Posted by Lady
I have Parts A & B, but you can't get a supplement until you are age 65 years old. So I pay for COBRA to get all medical, dental, vision, and Rx's. I have had it for years. You never know. I have had 9 to 11 mostly major surgeries, lost count. I collect them like auto-immune diseases. 
The cost of my MRI's and specilists tests alone, pay for the monthly payment to my ins co. Biopsies, etc., and the blood work (Lab bills) in the thousands, for odd tests.
When a specialist bills my ins he gets very little, as we all know, nowadays. So after he bills my ins, he bills Medicare for the difference. I only pay a co-payment for drugs. The ER would be $100.00 co-pay unless I am admitted. But, Medicare would pay for the co-payment back to me either way. |
but you can't get a supplement until you are age 65 years old -- not true. However, if you are or can be covered under your spouses policy, the rules are a little different. I have had a supplement since I was about 53 or 54. Again, check with the Medicare website:
http://www.medicare.gov/ Click on the eligibility tool.
One is eligible for COBRA when your employer coverage is terminated, but it has limited coverage life. COBRA allows you to keep the exact coverage you had as an employee, but you pay the full premium. Medicare + supplements can cost less than this, but may lack the dental and eye coverage.