Since my SSDI case is more than two years old, my attorney told me I need to find a Medicare plan
My question is,
Are there any legitimate medigap policies for poor people? Or am I forced to choose Medicare advantage?
My attorney thinks my medicare will start in August or September. I have Medicaid now.
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even sign you up directly, eliminating the middle person in the process.
When I signed up for Medigap, I was quoted several hundred per month for the highest level plan.
Council on Aging folks found me the identical policy for $135/month!
One thing to know is that with gap policies, all policies in each category must offer identical benefits for that category.
I got mine through the Farm Bureau because it was hundreds cheaper for identical coverage. The premium goes up about $10 every year on or just before my birthday and I have to buy an annual membership to the Farm Bureau for $36, but it's still an absoloute bargain!
I hope this is helpful!
Congrats again, John!
Because for every month beyond age 65 you go without a drug plan, if/when you do eventually sign up for one, there is a 1% per month premium penalty FOR LIFE.
Good luck!
Not sure how that works under age 65, but the folks at your senior center and Council on Aging can help you, get you set up, and even set it up so the premium, if any, comes out of your monthly benefit.
They will put in each drug, because not all plans cover all drugs, and drugs are different prices / copays, etc. between the plans. A real cluster fuck, IMO.
Good luck!
They seem to be helpful with my medications, which I rarely need, it's always been free.
Not sure if you actually need anything else... I was told that I was better off without any additional coverage. Maybe that's because I am not in need of surgery or any major ongoing issues.
That is something I have little knowledge about. Whether it's fortunate or not, my health issues are not operable and there's not really any medication for them, just occasional PT and my own diligence in following my maintenance program. My co-pays can be a bit much, there were some programs I was able to sign up for that were focused on income and were free. The last of which is WellCare. That's all I know.
I do hope you find some help acquiring what you need. I always found help from the 'resource' person, also known as a navigator, who helped me find the programs and sign up for them. They were located at the community clinic that served as my provider.
Now that I have relocated I am waiting for my intake appointment with a potential provider so I am not sure what I need here.
