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Help with choosing Medicare insurance

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Old 11-19-2014, 09:38 PM #11
Mz Migraine Mz Migraine is offline
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Originally Posted by razzle51 View Post
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



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Old 11-19-2014, 09:44 PM #12
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Originally Posted by LIT LOVE View Post

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.



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Old 11-19-2014, 09:58 PM #13
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Originally Posted by Mz Migraine View Post
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



Is anything involving SS not complicated?
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Old 11-19-2014, 10:08 PM #14
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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.



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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