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Thread: Medicare enrollment and wait period

  1. #11
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    I make a habit of calling about anything I do not understand in either Medicare or with taxes. Usually their phone people are well informed, though as this and past administrations starve government agencies call wait times extend so long the only way to cope is to call when I am going to be at the computer a while anyway, and plug in my phone. Over the last 10 yeas service has sunk so far these agencies function with months-long backlogs.

    I've found it very useful to keep both agencies informed. The relationship stays cordial, though many of you would challenge the idea this is a 2-way relationship. In 2007 my dad, who had dealt with the IRS a lot and was again at war with them over an audit, wrote a letter with his documentation (set many times previously) and a plea that they "please resolve this issue quickly so I am not forced to spend my last year or 2 on tax appeals. I am 87." Damned if that did not work! We were both astounded. I had success asking the IRS to forgive penalties when I'd been in foreign hospitals and out of the US for a year. It was tough to get the brain functioning again after severe head trauma that went with my SCI, but they gave me no problems. It pays to be as honest as possible with one and all.

  2. #12
    Senior Member Andy's Avatar
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    Quote Originally Posted by SCI-Nurse View Post
    . Until we get universal health care, keep your ass covered.

    (KLD)
    Oh, I will. Not that much of a gambler. Although, will they really send the guys with bent noses or repo your house? I guess they could attach any bank accounts, lol. You know there is a problem with an industry where you can get charged nearly 3X more for something depending on you method of payment. We need consumer protection more than insurance against getting robbed I think. But that is another topic.

    I just read that letter more than a quick skim...seems I'd be paying around double for shittier coverage (80%) than what I have now. And that is tailored for the disabled/retirees? Ok, I'm not thinking about this any more...

  3. #13
    Senior Member Joe-MN's Avatar
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    Andy,

    Based on my experience, if you received SS before because of SCI, there will be no 2 yr wait to start getting SSI or SSDI. As for the 80% coverage. Purchase a supplemental plan for around $370/month total (A, B, and D plus the supplemental) and after an initial out of pocket, you would have very few costs. YMMV.
    Better to remain silent and be thought a fool, than to speak and remove all doubt.

  4. #14
    Quote Originally Posted by Andy View Post
    Oh, I will. Not that much of a gambler. Although, will they really send the guys with bent noses or repo your house? I guess they could attach any bank accounts, lol. You know there is a problem with an industry where you can get charged nearly 3X more for something depending on you method of payment. We need consumer protection more than insurance against getting robbed I think. But that is another topic.

    I just read that letter more than a quick skim...seems I'd be paying around double for shittier coverage (80%) than what I have now. And that is tailored for the disabled/retirees? Ok, I'm not thinking about this any more...
    The hospital I work for will put a lien on your house in a second, if you don’t pay your hospital bill. It’s no longer a public hospital, but they were taking people’s homes even when we were owned by the county... don’t underestimate the hospital CFO’s desire to maximize his multimillion dollar yearly bonus.

  5. #15
    Senior Member Oddity's Avatar
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    If you're considering normal Medicare + a supplement, then also be sure that's allowed in your state. In Virginia, Medicare Supplement plans are only available for folks on Medicare who are 65 or older, not for folks on Medicare 'early' due to disability. Only option for me to cover that 20% and also have some reasonable stop-loss is an Advantage Plan.
    "If you only know your side of an issue, you know nothing." -John Stuart Mill, On Liberty

    "Even what those with the greatest reputation for knowing it all claim to understand and defend are but opinions..." -Heraclitus, Fragments

  6. #16
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    Once you have Medicare A there are no income tests for something like 14 years (or maybe 9) so you don't have to live under a bridge, etc., that's Medicaid.
    T3 complete since Sept 2015.

  7. #17
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    Quote Originally Posted by funklab View Post
    The hospital I work for will put a lien on your house in a second, if you don’t pay your hospital bill. It’s no longer a public hospital, but they were taking people’s homes even when we were owned by the county... don’t underestimate the hospital CFO’s desire to maximize his multimillion dollar yearly bonus.
    I volunteer for a non-profit that helps stressed individuals pay for major medical and every time I call to negotiate payments down I get results. In some cases they have dropped bills entirely and in others they've dropped them to 10% of the bill they sent the patient. It helps that I'm from a foundation when I call. Even the private hospitals have payment plans and debt forgiveness - but they save some of this until they realize the patient has a foundation in their corner then suddenly they care about perceptions.
    T3 complete since Sept 2015.

  8. #18
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    Quote Originally Posted by Joe-MN View Post
    Andy,

    Based on my experience, if you received SS before because of SCI, there will be no 2 yr wait to start getting SSI or SSDI. As for the 80% coverage. Purchase a supplemental plan for around $370/month total (A, B, and D plus the supplemental) and after an initial out of pocket, you would have very few costs. YMMV.
    There's always a 2 year wait for Medicare after getting approved for SSDI. The only change is that your COBRA benefit goes from 18 months maximum to 24 months maximum to cover the entire gap until Medicare kicks in.
    T3 complete since Sept 2015.

  9. #19
    Senior Member Andy's Avatar
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    Quote Originally Posted by funklab View Post
    The hospital I work for will put a lien on your house in a second, if you don?t pay your hospital bill. It?s no longer a public hospital, but they were taking people?s homes even when we were owned by the county... don?t underestimate the hospital CFO?s desire to maximize his multimillion dollar yearly bonus.
    Oh wow, they can do that by you? I'm pretty sure in IL they cant lien real estate for consumer debt, but I really don't know for sure. Scary how they'll destroy you financially to aid you in your medical recovery. And yes, I do sound Socialist here after hearing multiple accounts of 5 figure bills for a couple hours waiting in the ER for a stubbed toe or something, lol. And how people could probably comfortably pay for that visit out of pocket if they didn't get the 'no insurance' billing schema. Another topic...

  10. #20
    Senior Member Andy's Avatar
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    Quote Originally Posted by Mize View Post
    I volunteer for a non-profit that helps stressed individuals pay for major medical and every time I call to negotiate payments down I get results. In some cases they have dropped bills entirely and in others they've dropped them to 10% of the bill they sent the patient. It helps that I'm from a foundation when I call. Even the private hospitals have payment plans and debt forgiveness - but they save some of this until they realize the patient has a foundation in their corner then suddenly they care about perceptions.
    Better watch out, Vinnie, Guido, and Mize are coming for you! lol

    Maybe it's time for a Mafia based consumer protection org to develop. Our gubmint sure aint doing it

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