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-   -   Help with choosing Medicare insurance (https://www.neurotalk.org/social-security-disability/212315-help-choosing-medicare-insurance.html)

pained 11-17-2014 03:52 PM

Help with choosing Medicare insurance
 
I accidentally happened onto a website that took me to a free government service that helped me choose the medicare program that was best for me. I was so confused when I was going thru this and these people turned out to be worth their weight in gold. Hope they can help you too

http://www.seniorsresourceguide.com/...National/SHIP/

razzle51 11-17-2014 04:38 PM

ship just helps with finding a insurance plan for you.. different states offer different plans .. so don't know where you are .. I have Coventry and in Iowa , its a great plan..

Mz Migraine 11-18-2014 01:39 PM

Quote:

Originally Posted by razzle51 (Post 1108368)
ship just helps with finding a insurance plan for you.. different states offer different plans .. so don't know where you are .. I have Coventry and in Iowa , its a great plan..

So true. Also, some states have more plans than others. I am in N.J. & for 2015 there are over 20+ ins programs to choose from. :eek:
The Medicare For You personalized booklet that you get every year if you are on Medicare list all the plans for your state. Makes it easier to choose. Info overload for sure.

I have stuck w/the same plan since these ins programs first started I believe around 2005.

I am w/AARP United Health.


mrsD 11-18-2014 01:55 PM

I know a person with the AARP United Health add on also.

Between Medicare and it, her colon cancer ordeal (hospital, surgery and all tests) was completely covered by both! She is very satisfied with it. She is 86.

LIT LOVE 11-18-2014 02:37 PM

Quote:

Originally Posted by Mz Migraine (Post 1108519)
So true. Also, some states have more plans than others. I am in N.J. & for 2015 there are over 20+ ins programs to choose from. :eek:
The Medicare For You personalized booklet that you get every year if you are on Medicare list all the plans for your state. Makes it easier to choose. Info overload for sure.

I have stuck w/the same plan since these ins programs first started I believe around 2005.

I am w/AARP United Health.


Was there an age minimum for AARP insurance? TY!

mrsD 11-18-2014 03:03 PM

Minimum age to JOIN AARP is 50. Don't know about the health insurance part, though.

Kitt 11-18-2014 06:35 PM

Yes, it's age 50 to join and I believe it is age 50 for the health insurance part.

Mz Migraine 11-18-2014 08:42 PM

Quote:

Originally Posted by LIT LOVE (Post 1108529)
Was there an age minimum for AARP insurance? TY!

Kitt & MrsD are both correct.

Luckily I was already an AARP member. You get invited to join AARP a few months prior to your 50th birthday. Once you are a member, you can get the AARP benefits/discounts w/United Health.
In N.J. on top of the AARP/UH bennies, the state (in partnership w/AARP) pays the ins premium and you pay between $2-$5 max for all prescriptions.
:)


:hug:

razzle51 11-19-2014 12:26 PM

if its medicare do to disability doesn't matter about your age

LIT LOVE 11-19-2014 03:43 PM

Quote:

Originally Posted by razzle51 (Post 1108706)
if its medicare do to disability doesn't matter about your age

When I first chose my supplement plan, I was told I was ineligible for the AARP supplement due to my age at the time.

One of the nice things about the AARP plan/s are that they include free YMCA membership.

Mz Migraine 11-19-2014 09:38 PM

Quote:

Originally Posted by razzle51 (Post 1108706)
if its medicare do to disability doesn't matter about your age

That is only true for certain states. NJ is not one of them. :(
There is a sort of loop hole in the law though. If you joined Medicare because of disability within a few months (3-6) of applying for supplemental ins, you will be enrolled.
Not all states & ins carriers abide by the loop hole though. It is up to the carrier's discretion.
:(
My my Medicare & You booklet, it states which supplemental plans abides by this loop hole. AARP United Healthcare (NJ) abides by this loophole.



SIDEBAR: LOOPHOLE OR LOOP HOLE
:confused:



:hug:

Mz Migraine 11-19-2014 09:44 PM

Quote:

Originally Posted by LIT LOVE (Post 1108726)

One of the nice things about the AARP plan/s are that they include free YMCA membership.

I took full advantage of that too. I love to swim. The local YMCA has an olympic size pool which is always heated in the winter. It's like swimming in bath water. :D



:D

LIT LOVE 11-19-2014 09:58 PM

Quote:

Originally Posted by Mz Migraine (Post 1108781)
That is only true for certain states. NJ is not one of them. :(
There is a sort of loop hole in the law though. If you joined Medicare because of disability within a few months (3-6) of applying for supplemental ins, you will be enrolled.
Not all states & ins carriers abide by the loop hole though. It is up to the carrier's discretion.
:(
My my Medicare & You booklet, it states which supplemental plans abides by this loop hole. AARP United Healthcare (NJ) abides by this loophole.



SIDEBAR: LOOPHOLE OR LOOP HOLE
:confused:


:hug:


Is anything involving SS not complicated?

LIT LOVE 11-19-2014 10:08 PM

Quote:

Originally Posted by Mz Migraine (Post 1108783)
I took full advantage of that too. I love to swim. The local YMCA has an olympic size pool which is always heated in the winter. It's like swimming in bath water. :D



:D

I'm nearly pain free in warm pool water and almost normal in warm ocean water. The trick is if I have to drive to get there I end up causing a flare that makes it not worthwhile.

I now live too far from a YMCA (or Easter Seals pool) for it to even be an option. I've been fantasizing about Hawaii ever since temps dropped a few weeks ago. If only I could be a mermaid...


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