Comments on: What If I Can’t Afford Premiums On Medicare Supplemental Insurance?

By: marilyn pope

marilyn pope — Fri, 23 Aug 2013 17:25:54 +0000

this is a problem people on medicaid get everything for FREE and people that have worked all their life have bills they cannot afford, shame on the goverment…..

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By: Jason

Jason — Thu, 11 Apr 2013 07:27:33 +0000

In some situations if you can’t afford a Medigap Suuplement policy you “may” want to look into a Medicare Advanatge Plan that comes with drug coverage (partD). I would first shop around for Medigap Supplement policies first. There are many companies that offer supplemental Medigaps. So shop around for Medigap Supplement policies first. Also there are many different types of Medigap policies. For example the least expensive Medigap policies are Medigap policy A and B (not to get confused with Medicare part A and B) Those are the basic Medigap policies. Medigap Policy F is a popular Medigap supplement policy. Policues can range from A through N. F being most popular. Shop around please.
*Important: Best time to buy a Medigap policy is within your first 6 months on Medicare part B and you are 65 or older. This is called your “Guaranteed Issued Rights”- An insurance company cannot deny you a policy and cannot use preexisting conditions. If you do not get a Medigap within your first 6 mothns of having part B and 65 or older…you can still get a Medigap policy after your first 6 months…but a company may charge you more and can use medical underwrtitting(pre existing conditions). If you cannot afford Suppllemental, maybe look into Medicar Advantage. Make sure you fully understand the Medicare Advantage plan before you join. Sometimes you must be in the Advanatge plan’s network of doctors. Read the fine print before joining, but some Medicare Advantage Plans have $0.00 premiums including $0 for thier part D drug coverage. Plans with $0.00 premiums are usually HMO-Medicare Advantage. If you have a doctor you want to continue to see, I would strongly suggest asking your doctor’s office if they accept Medicare Advanatage Plans, and if so, which ones. Medicare Advantage is another way for you to get your Medicare coverage. The Advantage plan provides your Medicare coverage instead of Medicare A and B (must you must keep A and B to have and Advanatge plan). Medicare Advantage Plans are NOT supplemental policies. They can benefit someone if you cannot afford a supplement. Do research before joining Medicare Advantage plans, Some Advanatge plans may offer Dental Vision and Hearing. Make sure you research the coverage. Some Medicare Advantage plans “claim” they offer Dental coverage. But when you read the fine print it may say “$20 co-pay on Medicare covered dental services” –this is misleading because Medicare does not cover dental. (except in extreme/rare situations). And yes, apply and see if you qualify for Extra Help on Medicare Drug costs or Medicare Saving Programs (that may help pay for part B monthly premium). The worst they can say is “No, you don’t qualify”. Might as well try.

Ask questions, do research. Get your ducks in a row. Goodluck. Hope this helped.

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Rachaels Daily Coupons — Wed, 10 Apr 2013 03:52:42 +0000

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By: test

test — Sun, 17 Mar 2013 11:25:43 +0000

I agree completely with what you wrote. Great read… Keep it up

By: Mary

Mary — Sat, 23 Feb 2013 11:02:21 +0000

Extra help is only for prescription drugs. Also, if you have an income of more than 3200 dollars a year in Florida, it is next to impossible to qualify for medicaid in Florida, even as a dual eligible. It stinks to live in Florida and not be able to afford Medigap. As a 50 something with an inherited disabling condition, it would honestly have been better for me if I had died on the operating table during my first open heart.

By: Alix Christie

Alix Christie — Thu, 03 Jan 2013 00:43:52 +0000

Hello, this information appears to be wrong. Medicare Savings Plans, according the government website, only help pay for Medicare A, B, & D (Presciption Drug Benefit) premiums and co-pays, not Medigap premiums. Please double check and tell me I’m wrong!

By: Tim H. Royal

Tim H. Royal — Fri, 18 Nov 2011 22:50:00 +0000

I applied for a Supplementat Dental plan in January of 2010. Secure Horizons/ United Health Care. I realized I couldn’t afford the premiums after paying two months. I stopped the payments thinking the coverage would be dropped, alas, not. I am now facing a payback of $608.00 which I do not have. I could not afford the $32.00 premium last year, and can not this year, I don’t know how I will pay this off. Can you help or direct me to an agency that can help? Thank You. Tim Royal