I confused or I missed something with all the posts on your initial thread. Lets start over.

In your initial thead you stated you had Medicare part A and B and you mentioned it again in your 5/13 post.

If this is true, Medicare should be paying 80% of your infusion and you part B supplement should cover the other 20% when your husbands coverage expires. You should pay nothing. Period.

When my private insurance expired and I went on Part A and B I did one thing. I called my infusion center and told them. The took my Medicare number and the name and number of my Part B provider. They took care of the rest and within one week they called back and everything was approved.

Your infusion center does not want to loose you as a customer . Too much money involved. Let them get involved and the will do everything they can do to keep you. They will consult with your doctor, Medicare and your supplemental insurance. (your Part B provider)

If you really have Part A and B you should pay nothing for you infusions.

Scrubbs

Finding presciption coverage if you are also losing that is another thing. You will have to get that on your own.

Scrubbs

Scrubbs,
Maybe this will help you out a little more:

1. I never have gone to an infusion center for my IVIG.

2. I have always had my infusion administered at home by a home nurse through a Home Healthcare Agency and it was fully covered under my Private Insurance carrier. Medicare has never paid anything toward my infusions because at the time of my first infusion in 2005 I was not approved for SSDI yet and I did not have Medicare at all. The home healthcare company worked out something with my private insurance carrier and I never had to pay anything for IVIG, I have continued to have my infusions at home to date.

3. When I was finally approved for SSDI in 2009 I went ahead and enrolled in Medicare Part A and B but my Private Insurance was still Primary. Medicare has always been secondary coverage for me and neither A nor B has been involved in paying for any part of my IVIG.

4. At my last visit with my Neurologist this past Tuesday we discussed the fact that as of June 30th, 2012 I will no longer have Private Insurance and so Medicare A and B will be my primary coverage along with D if I purchase it (which I know I will if I choose to go with Medicare only). Thus Medicare will be my Primary and responsible for my IVIG as of July 1st. Since they do not approve IG infusions at home for MG I will more than likely go to my Neuro's office for it because he administers infusions there. The Neuro and staff informed me that Medicare will not pay 100% for infusions, they will only pay for 80% even if I have Part A and Part B. That is they way it is according to them and there are no negotiations with Medicare.

5. The only way I could get the 20% paid for (according to my Neuro) is if I purchase a Medigap policy. My Neuro has two other Medicare patients that receive IVIG and they both have a Medigap Policy. In my case there is only one company that will issue a Medigap policy to me since I am under the age of 65 and that policy will cost $480 per month which is almost the amount I would pay for single coverage with my Primary Insurance Carriers COBRA policy effective July 1st. Paying more than $600 per month whether it will be with a Cobra Policy or Medigap policy is going to be difficult since my husband is unemployed and paying 20% without the Medigap policy for each IVIG will be even harder to do.

6. When you say Part B Supplement, do you mean Medigap Policy or is there something else out there that I'm not aware of?

7. I have a massive headache over all of this and it seems like nobody except fellow MG'ers get why I'm concerned and becoming stressed.

I hope this has helped you understand a little bit better. If not, please let me know and I'll be more than happy to explain anything that you don't understand.

I look forward to your reply and appreciate you taking the time to help me. Any and all information is greatly appreciated.

Shari

If what you were told at your Dr.s office is correct and you will have to purchase a Medigap policy to me since you are under the age of 65 that would be a shame.

I do not know if you have to be age qualified to be accepted by any Part B
Supplement provider but call to find out since you are on SSDI and not SS.

I would still double check with both Medicare. 1-800-MEDICARE. A rep should be able to explain your eligbility with Part B provder. The reps are very helpful.

You do not have much time because the coverage between your husbands insurance and a B Supplement has to be continuous or else will have to wait for the enrollment period and will not be eligible until January 1. I imagine it would be the same if you have to go with a Medigap plan. I hope not.

Scrubbs

Scrubbs,
You keep saying "Part B Supplement Provider". Is a "Part B Supplement Provider" and "Medigap Policy" the same thing?

If it is, then I only have the one Medigap Policy choice because I am under 65, which is the one that will cost me almost $500 per month.

I know the clock is ticking. I've been trying to figure this out for the last three weeks and as soon as I think I've got it, something trips me up all over again

It really shouldn't be this difficult and honestly it's past the point of ridiculous to me.

Shari.
I was 64 and I also was quoted $440 for a supplement policy until I turn 65. You are correct about this. I had to have emergency surgery for ruptured gallbladder and had to pay my medicare deductible of $1156 as I couldn't afford a supplement. I don't know how the government thinks we can pay for a supplement when we can't work!

I think iwasanurse probably answered your question and is probably correct. I would double check and call Social Security at 1-800-325-0778

I had private insurance and they covered me until I turned 66 and eligible for Medicare. I never even heard of a Medigap or if that is for people who do not qualify for a Part B supplement because of there age.

I am sorry if Medigap is your only option because you are younger.

Scrubbs

Well, I'm going to have to go with Cobra just for me. Can't afford 1700 to continue coverage for the entire family but we'll have to find the money to keep me covered. Praying that hubby will find a job with benefits soon as I hate to think of him not having any health insurance coverage.

Not sure how we're going to make it financially. It's times like these when I have to put my faith into action. Now is the time to remind myself that my God is greater than anything I will ever face and He WILL take care of my every need

Blessings to everyone

Shari