Comments on: Can I Have Medicare And Private Insurance At The Same Time? http://www.seniorcorps.org/medicare/can-i-have-medicare-and-private-insurance-at-the-same-time/ Helping Seniors Help America Mon, 07 Oct 2013 07:48:13 +0000 hourly 1 http://wordpress.org/?v=3.4.2 By: Makeda Widdows http://www.seniorcorps.org/medicare/can-i-have-medicare-and-private-insurance-at-the-same-time/#comment-16535 Makeda Widdows Fri, 23 Aug 2013 23:04:22 +0000 http://www.seniorcorps.org/?p=559#comment-16535 How To Make Sense Of (Not Provided) Keywords, Search Engine People How To Make Sense Of (Not Provided) Keywords, Search Engine People

]]> By: Attorney http://www.seniorcorps.org/medicare/can-i-have-medicare-and-private-insurance-at-the-same-time/#comment-16478 Attorney Thu, 15 Aug 2013 17:12:42 +0000 http://www.seniorcorps.org/?p=559#comment-16478 This is exactly i am searching for. This is what I refer to top quality. The facts provided right here is to the most. I have to state you'll need place in your time in displaying every one of these articles with each other. They’re matched up together with your marketplace. I am going to endorse these to everyone after which to each one associated with my personal associates. I shall return right here to examine the quality of do the trick. Thanks for creating this unique occur. This is exactly i am searching for. This is what I refer to top quality. The facts provided right here is to the most. I have to state you’ll need place in your time in displaying every one of these articles with each other. They’re matched up together with your marketplace. I am going to endorse these to everyone after which to each one associated with my personal associates. I shall return right here to examine the quality of do the trick. Thanks for creating this unique occur.

]]> By: Jim Frost http://www.seniorcorps.org/medicare/can-i-have-medicare-and-private-insurance-at-the-same-time/#comment-16308 Jim Frost Mon, 15 Jul 2013 19:23:27 +0000 http://www.seniorcorps.org/?p=559#comment-16308 It's a little late but: You have no opportunity to choose which insurance is primary, that's fixed by law. You can decline your husband's insurance and Medicare then stays as it is. If your husband's insurance will be primary, for example if he works for a large company (ask his HR), then Medicare is secondary, and might provide some extra coverage. If Medicare is primary then carefully check terms of the work insurance policy. The work policy may be set up to provide additional coverage only if you have both Part A and Part B. Nothing if you dont. It’s a little late but:
You have no opportunity to choose which insurance is primary, that’s fixed by law. You can decline your husband’s insurance and Medicare then stays as it is.

If your husband’s insurance will be primary, for example if he works for a large company (ask his HR), then Medicare is secondary, and might provide some extra coverage.

If Medicare is primary then carefully check terms of the work insurance policy. The work policy may be set up to provide additional coverage only if you have both Part A and Part B. Nothing if you dont.

]]> By: Jim Frost http://www.seniorcorps.org/medicare/can-i-have-medicare-and-private-insurance-at-the-same-time/#comment-16307 Jim Frost Mon, 15 Jul 2013 19:12:59 +0000 http://www.seniorcorps.org/?p=559#comment-16307 Quirks in the system can effectively eliminate Medicare Part A entirely when Medicare is secondary, especially for a long hospital stay. Here's what often happens. A long hospital stay occurs early in the year, when there have been no claims on the primary. The patient is released and incurs ongiong healthcare costs which the primary pays. Bills arrive from the hospital doctors which the primary pays. Eventually the hospital bill arrives, but the patient's deducible and other costs have already been satisfied through other primary payments. Patient gets no help through Medicare A. Medicare's attitude, "Sorry,that's how it works" Quirks in the system can effectively eliminate Medicare Part A entirely when Medicare is secondary, especially for a long hospital stay.

Here’s what often happens. A long hospital stay occurs early in the year, when there have been no claims on the primary. The patient is released and incurs ongiong healthcare costs which the primary pays. Bills arrive from the hospital doctors which the primary pays. Eventually the hospital bill arrives, but the patient’s deducible and other costs have already been satisfied through other primary payments. Patient gets no help through Medicare A.

Medicare’s attitude, “Sorry,that’s how it works”

]]> By: Craig Feied http://www.seniorcorps.org/medicare/can-i-have-medicare-and-private-insurance-at-the-same-time/#comment-15928 Craig Feied Fri, 31 May 2013 02:00:54 +0000 http://www.seniorcorps.org/?p=559#comment-15928 Regardless of what else you might hear or read, the reality is that he *MUST* enroll for part A medicare, or he will risk a period of no coverage at some time in the future. There are *NO* commercial offerings for people over 65 -- only supplemental / Advantage policies that require him to have both PartA and PartB. I speak from bitter experience, having received bad advice on this same question, and have now investigated this quite thoroughly: if you fall into a gap because you fail to sign up for Medicare and then lose your other coverage without a "qualifying event," there is absolutely nothing you can do to avoid being uninsured until the next open enrollment (Jan-Mar), with coverage beginning the following June. Depending on the timing, this could mean 16 months during which he is not eligible for any coverage whatsoever. For PartB, there is also a lifetime penalty for delaying enrollment when first eligible, and generally the math says he should sign up when first eligible. Finally, read the fine print in your benefit plan very carefully. Most (including the most generous plans of which I'm aware) employer coverage (and all COBRA coverage) require that he have Medicare if he's eligible. Many plans don't enforce this, but if problems develop they will point to their policy and offer no assistance. Regardless of what else you might hear or read, the reality is that he *MUST* enroll for part A medicare, or he will risk a period of no coverage at some time in the future.

There are *NO* commercial offerings for people over 65 — only supplemental / Advantage policies that require him to have both PartA and PartB.

I speak from bitter experience, having received bad advice on this same question, and have now investigated this quite thoroughly: if you fall into a gap because you fail to sign up for Medicare and then lose your other coverage without a “qualifying event,” there is absolutely nothing you can do to avoid being uninsured until the next open enrollment (Jan-Mar), with coverage beginning the following June. Depending on the timing, this could mean 16 months during which he is not eligible for any coverage whatsoever.

For PartB, there is also a lifetime penalty for delaying enrollment when first eligible, and generally the math says he should sign up when first eligible.

Finally, read the fine print in your benefit plan very carefully. Most (including the most generous plans of which I’m aware) employer coverage (and all COBRA coverage) require that he have Medicare if he’s eligible. Many plans don’t enforce this, but if problems develop they will point to their policy and offer no assistance.

]]> By: SCADA http://www.seniorcorps.org/medicare/can-i-have-medicare-and-private-insurance-at-the-same-time/#comment-15619 SCADA Fri, 05 Apr 2013 01:43:34 +0000 http://www.seniorcorps.org/?p=559#comment-15619 Hello there, That's a very nice update. Have you considered wireless communication for Programmable Logic Controllers? Hello there,
That’s a very nice update. Have you considered wireless communication for Programmable Logic Controllers?

]]> By: Rick http://www.seniorcorps.org/medicare/can-i-have-medicare-and-private-insurance-at-the-same-time/#comment-15586 Rick Mon, 25 Mar 2013 14:31:37 +0000 http://www.seniorcorps.org/?p=559#comment-15586 My wife have UHC and Medicare. She need to have surgery. What happens if UHC declines payment due to pre-existing condition, will medicare pay. My wife have UHC and Medicare. She need to have surgery. What happens if UHC declines payment due to pre-existing condition, will medicare pay.

]]> By: Sonya http://www.seniorcorps.org/medicare/can-i-have-medicare-and-private-insurance-at-the-same-time/#comment-15546 Sonya Sun, 17 Mar 2013 21:06:06 +0000 http://www.seniorcorps.org/?p=559#comment-15546 I am disabled and on Medicare part A and B. My husband was now offered insurance from his new job - insurance that offers dental, which is untrue for Medicare. When he lost his privous job, medicare became my primary insurance. Should I continue to use Medicare as primary or should it become secundary? Someone who knows please reply -- filling out application for new insurance now. Thank you. I am disabled and on Medicare part A and B. My husband was now offered insurance from his new job – insurance that offers dental, which is untrue for Medicare. When he lost his privous job, medicare became my primary insurance. Should I continue to use Medicare as primary or should it become secundary? Someone who knows please reply — filling out application for new insurance now.

Thank you.

]]> By: testwebsite http://www.seniorcorps.org/medicare/can-i-have-medicare-and-private-insurance-at-the-same-time/#comment-15398 testwebsite Fri, 15 Mar 2013 11:15:39 +0000 http://www.seniorcorps.org/?p=559#comment-15398 I like the content within your site, I want to read the idea, even though it does not apply into a posts which you'll find interested inside the subject, your technique writing makes that we read all kinds of things! I like the content within your site, I want to read the idea, even though it does not apply into a posts which you’ll find interested inside the subject, your technique writing makes that we read all kinds of things!

]]> By: Roberta Werner http://www.seniorcorps.org/medicare/can-i-have-medicare-and-private-insurance-at-the-same-time/#comment-15263 Roberta Werner Fri, 25 Jan 2013 21:45:16 +0000 http://www.seniorcorps.org/?p=559#comment-15263 My husband will turn 65 in June, but he's currently covered under my insurance plan at work, Excellus BCBS. We're wondering if we even need to consider enrolling for Medicare insurance as long as he's covered by my health plan. Do we hurt ourselves in any way by not acting on any Medicare coverage now--or whenever it is people nearing retirement age without other coverage need to do so? Also, is it fair to assume that my insurance will continue to cover him, no questions asked, as a spouse of a covered employee? My husband will turn 65 in June, but he’s currently covered under my insurance plan at work, Excellus BCBS. We’re wondering if we even need to consider enrolling for Medicare insurance as long as he’s covered by my health plan. Do we hurt ourselves in any way by not acting on any Medicare coverage now–or whenever it is people nearing retirement age without other coverage need to do so? Also, is it fair to assume that my insurance will continue to cover him, no questions asked, as a spouse of a covered employee?

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