Primarily for the U.S. and territories… ( Archived) (8)

Nov 19, 2021 10:23 AM CST Primarily for the U.S. and territories…
…But for other regions that might have similar programs.

Howdy all. Don’t know if the system (mods) will allow this, as real institutions might be mentioned, but I feel a responsibility as a retired professional to present my observations and opinions:

Recently I attended a structured meeting regarding benefits for retirees. The facilitator began by mentioning the relatively recent advertisements claiming tons of free benefits, etc…(Seen those? JJ. Walker, Joe Namath, etc…) which, to cut to the chase, aren’t available in quite a few places, including here. So, pan THAT idea, for southwestern Oregon, anyway. Here’s a huge problem, and the chief concern: Say you’re retired, have Medicare and a supplemental plan, usually for medication co-pays. Your physician may have to write a yearly “variance” for a particular medication or treatment denied, but it usually gets solved. But then this “new” outfit courts your business, claiming a much lower rate and better service, etc…so, you jump ship. Then, something you really need is denied, and it sticks to the wall because there’s no precedent to service it, and they don’t have to. So, you’re annoyed, and drop them, and call the outfit that WAS working. Guess what? They won’t take you back, and they don’t have to. Be careful, friends. A couple near me were doing great. They are dog-paddling to stay at just above poverty. One wrong slip and they lose their home. Please, watch out. Take care of yourselves. Be smart.
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Nov 19, 2021 5:44 PM CST Primarily for the U.S. and territories…
KarloradoFL
KarloradoFLKarloradoFLDeLeon Springs, Florida USA50 Threads 3 Polls 9,475 Posts
rohaan: …But for other regions that might have similar programs.

Howdy all. Don’t know if the system (mods) will allow this, as real institutions might be mentioned, but I feel a responsibility as a retired professional to present my observations and opinions:

Recently I attended a structured meeting regarding benefits for retirees. The facilitator began by mentioning the relatively recent advertisements claiming tons of free benefits, etc…(Seen those? JJ. Walker, Joe Namath, etc…) which, to cut to the chase, aren’t available in quite a few places, including here. So, pan THAT idea, for southwestern Oregon, anyway. Here’s a huge problem, and the chief concern: Say you’re retired, have Medicare and a supplemental plan, usually for medication co-pays. Your physician may have to write a yearly “variance” for a particular medication or treatment denied, but it usually gets solved. But then this “new” outfit courts your business, claiming a much lower rate and better service, etc…so, you jump ship. Then, something you really need is denied, and it sticks to the wall because there’s no precedent to service it, and they don’t have to. So, you’re annoyed, and drop them, and call the outfit that WAS working. Guess what? They won’t take you back, and they don’t have to. Be careful, friends. A couple near me were doing great. They are dog-paddling to stay at just above poverty. One wrong slip and they lose their home. Please, watch out. Take care of yourselves. Be smart.
If you go to the Medicare.gov website ( ) it will compare all the plans and tell you what you are qualified or not qualified for without having to speak to an high pressure salesperson. If you are not on Medicaid and/or Social Security Supplementary Income you are not qualified for a lot of things on Medicare plans. I am an advocate for the developmentally disabled. professor
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Nov 20, 2021 7:56 AM CST Primarily for the U.S. and territories…
KarloradoFL: If you go to the Medicare.gov website ( ) it will compare all the plans and tell you what you are qualified or not qualified for without having to speak to an high pressure salesperson. If you are not on Medicaid and/or Social Security Supplementary Income you are not qualified for a lot of things on Medicare plans. I am an advocate for the developmentally disabled.
Super. I worked in that arena (as a medical officer/skills-trainer) for 11 of my 31 years in professional nursing. I want to point out that in Oregon, developmentally disabled clients have strong advocacy with prompt and full-spectrum services. Other clients who do not fit the precise criteria (but are never-the-less unskilled) are put on the back burner, if assisted at all. Don’t misunderstand—I’m sure you are as diligent as a person can be. Remember, many people who need advocacy to get from point A to point B cannot obtain it. It’s a huge wrinkle in a complex system. You realize that many of the supplemental programs have the property of exceeding the cost without them…it’s a wild guessing game and unadvocated clients are adrift…it’s tough.
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Nov 20, 2021 1:06 PM CST Primarily for the U.S. and territories…
Myrta
MyrtaMyrtaLacey, Grayland and Lynden, Washington USA5 Threads 171 Posts
Thank you for sharing this, rohaan. Something to think about.
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Nov 20, 2021 7:16 PM CST Primarily for the U.S. and territories…
Myrta: Thank you for sharing this, rohaan. Something to think about.
Thank you. I’m happy to be of any assistance. For the record, I am not personally jaded with the government and private services I benefit from. They have treated me well. But I have extensive knowledge and a skill level to be quite able to dot the i’s and cross the t’s. I advocate for people who struggle, but not bad enough to GET advocacy. It’s really, really tough. Programs are designed with narrow parameters. One must be very capable in order to access. There is little wiggle room.
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Nov 20, 2021 7:33 PM CST Primarily for the U.S. and territories…
secretagent09
secretagent09secretagent09New Jersey Girl in, North Carolina USA198 Threads 4 Polls 7,230 Posts
I have Medicare and a supplemental plan with a $20 copay. The way it works is Medicare pays 80% of the bill. The balance is sent to my supplemental plan who pays 80% of what Medicare didn't pay. Whatever is leftover is my responsibility up to $20 (my copay). I am not responsible for anything over $20 and if it's less than 20 I don't have to pay it. And I don't need a referral with this plan. I pay top dollar for this plan and it has been well worth it.

I would never go with the Advantage plan. Like Orzz said they lead you to believe they will pay for this and that but they don't.

I also have a separate dental plan that gives me three cleanings a year.
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Nov 21, 2021 3:15 AM CST Primarily for the U.S. and territories…
Happygolucky4uonline today!
Happygolucky4uonline today!Happygolucky4uTreasure Coast, Florida USA25 Threads 4 Polls 6,241 Posts
rohaan: Thank you SO MUCH for writing. Knowledge is empowering. To everyone—- please, please, PLEASE be careful. The only thing free is the cheese in a mousetrap. Think think think think think.
I am on medicare A but I work part time and I have medical coverage with them so I have waited to add onto my medicare. My insurance through employment is good . I know when I decide to fully retire I will need to make decisions. I am terrified. I get so many offers and I am leary. I have good health but also know that can change quickly so I will need something. blues I just don't know which way I want to turn. I wish there was an easy good way to figure all this out. It is like a garden that is overgrown with weeds. I am having to pull the weeds to find the flowers.
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Nov 21, 2021 9:04 AM CST Primarily for the U.S. and territories…
Happygolucky4u: I am on medicare A but I work part time and I have medical coverage with them so I have waited to add onto my medicare. My insurance through employment is good . I know when I decide to fully retire I will need to make decisions. I am terrified. I get so many offers and I am leary. I have good health but also know that can change quickly so I will need something. I just don't know which way I want to turn. I wish there was an easy good way to figure all this out. It is like a garden that is overgrown with weeds. I am having to pull the weeds to find the flowers.
H.M.O.: they decide. P.M.O.: you decide. Ask around— get several experiences and opinions for a variety of plans. jmo— I’m not advertising any particular plan, but, avoid jumping around. See if you can get plan( s) that have mission statements promising to not decline medication you need, and will not increase your premium unfairly. For example, in ten years my Part D premium went from $68.00 monthly to $84.00. That’s reasonable. Your simile about weeding the garden is spot-on. You’re on the right track. And above all, for everyone, remember the adage: “THE TIME TO REPAIR THE ROOF IS WHEN THE SUN IS SHINING”

Blessings….take care
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