I have BlueShield Medical insurance. My copay is $15. My company takes care of it. I also have hospitalization for me and my spouse..
Total Comments: 95
Posted: Thu Nov 15, 2012 06:53 pm Post Subject: Part B Vs Group Insurance
Thank you, Max. Your answer was helpful to me. I was on the phone for hours yesterday with everyone from SS to Insurance admin, personnel admin etc. Could not get a straight answer. I have made my decision.
Posted: Sun Dec 30, 2012 03:00 am Post Subject: Medicare for Medically Retired
Hi,
I have read many of your posts answering questions about medicare and am hoping you can help me understand my options.
I am medically retired due to numerous injuries received while working as a civilian for the Department of Defense. I have great insurance (Blue Cross Federal Employee Program). I cannot work. I was just awarded Social Security disability and was automatically enrolled in medicare Part A and B. I pay $186 a month for Blue Cross and plan on sticking with it for life. Can I opt out of Part B (and its cost), with no penalty down the road, since I am covered by a plan from my former employer?
Not sure if you are still answering questions, but if you are, I could really use the help. Part of my injuries include trauma to my brain. I can still think clearly, but I am not as sharp mentally as I once was and trying to figure this out is proving to be extremely difficult.
Thanks
Posted: Sun Dec 30, 2012 05:25 am Post Subject:
Bill . . .
You are correct, you may disenroll from Medicare Part B (Physician's services, outpatient expenses) thanks to your private health insurance plan. If you choose to drop your Blue Cross plan at any time in the future, you will have eight months in which to reenroll in Part B and avoid the penalty premium.
In the meantime, your Blue Cross plan will be your primary insurer, and Medicare Part A (hospitalization coverage) will be secondary. If you are ever hospitalized and your Blue Cross plan will not cover it, Medicare might.
Posted: Tue Jan 15, 2013 06:49 pm Post Subject: I have med. part A,B&D
I have medical part A,B&D,WOULD IT BE WISE FOR ME TO DROP MY EMPLOYER GROUP COVERAGE? I am now 66 plus.
Posted: Wed Jan 16, 2013 04:20 am Post Subject:
No one here can answer this question for you with the limited details provided. If you are paying premiums for your employer's group plan, and you are paying premiums for Medicare B&D, then you are likely paying too much in premiums.
If you disenroll from Medicare B&D, when you stop working, you would have to reenroll within 8 months or risk paying a lifetime premium penalty for each of the two plans.
You should investigate the Medicare Advantage Plans in your area -- they may offer benefits close to or as good as your employer sponsored plan.
Posted: Thu Jan 31, 2013 06:32 am Post Subject:
Here some people said you are eligible and some are said not so for best answere you should ithe insurance company they give you answer better after seen you detail.
Posted: Fri Mar 15, 2013 11:31 am Post Subject: Ssi insurance and employment instance
Hi im only 33yrs old but was collecting Ssi benifits for the better part of last yr and the beginning of this yr. Im now bk to work and my cash benifits stopped, but was told im still eligble to keep the insurance, a HMO thru the state. Now my job also offers insurance, my question is can I keep both and which one would be primary/secondary??
Posted: Sun Mar 17, 2013 03:57 am Post Subject:
Your "state HMO" was Medicaid, to which you were entitled as an SSI recipient. You are no longer eligible for Medicaid. If your employer offers health insurance, take it. Your employer would be penalized if you were to continue on Medicaid.
Posted: Tue May 28, 2013 05:19 pm Post Subject: Medicare and state insurance coverage
I will retire from teaching in the state of NC when I'm 63 (next year), have BCBS, will have worked 23 years full time, and am confused as to whether or not my BCBS continues when I collect Medicare when I turn 65.
Posted: Wed May 29, 2013 02:29 am Post Subject:
You should discuss this with the state teachers' retirement system. They will have the answer you need.
Posted: Thu Nov 15, 2012 06:53 pm Post Subject: Part B Vs Group Insurance
Thank you, Max. Your answer was helpful to me. I was on the phone for hours yesterday with everyone from SS to Insurance admin, personnel admin etc. Could not get a straight answer. I have made my decision.
Posted: Sun Dec 30, 2012 03:00 am Post Subject: Medicare for Medically Retired
Hi,
I have read many of your posts answering questions about medicare and am hoping you can help me understand my options.
I am medically retired due to numerous injuries received while working as a civilian for the Department of Defense. I have great insurance (Blue Cross Federal Employee Program). I cannot work. I was just awarded Social Security disability and was automatically enrolled in medicare Part A and B. I pay $186 a month for Blue Cross and plan on sticking with it for life. Can I opt out of Part B (and its cost), with no penalty down the road, since I am covered by a plan from my former employer?
Not sure if you are still answering questions, but if you are, I could really use the help. Part of my injuries include trauma to my brain. I can still think clearly, but I am not as sharp mentally as I once was and trying to figure this out is proving to be extremely difficult.
Thanks
Posted: Sun Dec 30, 2012 05:25 am Post Subject:
Bill . . .
You are correct, you may disenroll from Medicare Part B (Physician's services, outpatient expenses) thanks to your private health insurance plan. If you choose to drop your Blue Cross plan at any time in the future, you will have eight months in which to reenroll in Part B and avoid the penalty premium.
In the meantime, your Blue Cross plan will be your primary insurer, and Medicare Part A (hospitalization coverage) will be secondary. If you are ever hospitalized and your Blue Cross plan will not cover it, Medicare might.
Posted: Tue Jan 15, 2013 06:49 pm Post Subject: I have med. part A,B&D
I have medical part A,B&D,WOULD IT BE WISE FOR ME TO DROP MY EMPLOYER GROUP COVERAGE? I am now 66 plus.
Posted: Wed Jan 16, 2013 04:20 am Post Subject:
No one here can answer this question for you with the limited details provided. If you are paying premiums for your employer's group plan, and you are paying premiums for Medicare B&D, then you are likely paying too much in premiums.
If you disenroll from Medicare B&D, when you stop working, you would have to reenroll within 8 months or risk paying a lifetime premium penalty for each of the two plans.
You should investigate the Medicare Advantage Plans in your area -- they may offer benefits close to or as good as your employer sponsored plan.
Posted: Thu Jan 31, 2013 06:32 am Post Subject:
Here some people said you are eligible and some are said not so for best answere you should ithe insurance company they give you answer better after seen you detail.
Posted: Fri Mar 15, 2013 11:31 am Post Subject: Ssi insurance and employment instance
Hi im only 33yrs old but was collecting Ssi benifits for the better part of last yr and the beginning of this yr. Im now bk to work and my cash benifits stopped, but was told im still eligble to keep the insurance, a HMO thru the state. Now my job also offers insurance, my question is can I keep both and which one would be primary/secondary??
Posted: Sun Mar 17, 2013 03:57 am Post Subject:
Your "state HMO" was Medicaid, to which you were entitled as an SSI recipient. You are no longer eligible for Medicaid. If your employer offers health insurance, take it. Your employer would be penalized if you were to continue on Medicaid.
Posted: Tue May 28, 2013 05:19 pm Post Subject: Medicare and state insurance coverage
I will retire from teaching in the state of NC when I'm 63 (next year), have BCBS, will have worked 23 years full time, and am confused as to whether or not my BCBS continues when I collect Medicare when I turn 65.
Posted: Wed May 29, 2013 02:29 am Post Subject:
You should discuss this with the state teachers' retirement system. They will have the answer you need.
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