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Re: medicare

Yeah, old people are odd, Donna. They don't seen to realize that to get help in this society, their phones have to be tapped and private lives have to be made public. It's a shame, too... unless, of course, they've got something to hide.

On Jan 5, 2006, at 2:22 PM, Donna wrote:

I think you found the C part Jim! :)

I doubt if there will be any benefits for me when the
time comes, as either it will be dissolved or I won't
live that long... like Kitty I have few years to go

I did start to research this for my mother and FIL,
who both when I started questioning them about exactly
what type of medical services they are currently
using- was told to butt out. Geesh....


--- james singer <islandjim1@verizon.net> wrote:

A search of the Medicare site reveals that there is
no Part C--unless
it stands for Confusion, in which case it s subsumed
into all other

On Jan 5, 2006, at 1:12 PM, kmrsy@netzero.net wrote:

Jim, really very nice of you to give a concise
explanation. It's still
sort of vague (you don't need to explain, though)
to me because I've
never been involved in Medicare in the first place
and am not eligible
for 12+ more years (emphasis on "+" because
they'll probably push it up
to 70 by the time I get there)

Also, for me it has been all or nothing. I had
insurance coverage from
age 16 to 51 and it was always fully funded by
employers and included
prescription coverage, eyes, dental, etc. Now I
have no insurance,
unfunded by me.

So when the time does come, you're telling me I'll
have to deal with
parts A through D (did you mention a C?) - and
probably by then they'll
throw in an E and an F.

Hmmm.....maybe I should just concentrate on
keeping healthy.

-- james singer <islandjim1@verizon.net> wrote:
Medicare is a mess, mostly because of "free
enterprise, economic
competition" shibboleths--none of which pertain
the medical

Basically, there are two kinds of
Medicare--fee-for-service Medicare,
controlled mostly by the rapacious insurance
industry, and HMO
Medicare, controlled by opportunistic third
parties such as Humana,
Universal Health Care, and United Health Care.
Hospitalization [called
Medicare Part A] is not a big deal in either kind
because the coverage
is essentially the same. The Big Deal is Part B,
euphemistically called
"physicians' services."

Part B Medicare is supposed to cover physicians'
services, but doesn't.
There is a large financial gap between what most
geezers need and what
Medicare will pay for. Covering this financial gap
is where the
fee-for-service hucksters and the HMO hucksters go
there separate ways.
First, be aware that Medicare [currently] deducts
$88.50 from your
monthly Social Security check to "pay" for Part B.
If you are a
fee-for-service person [that is, that your family
doc knows at least as
much as the average of the rest of the medical
profession], you will
probably have to buy a Medi-Gap insurance policy
to cover the
difference between the pittance Medicare will pay
him and his monthly
Mercedes payment. From ARRP, this kind of
insurance costs about $135.00
and up [bells and whistles stuff] per month. But
it doesn't cover
drugs--so if you've got a bunch of drug
prescriptions, you may want a
Plan D policy. That's the new marketing Hoo-Ha
with all the confusing
jibberish. And since there are a zillion D plans
[with no requirement
that they have the same formulary], the amount one
saves depends on the
discount given by a specific plan for a specific
drug, which is
precisely why it is so confusing and difficult to
choose the best one
plan for any one person.

If you decide to be an HMO person, there are two
or three things worth
worrying about. First, of course, is the HMO--an
HMO is an HMO is an
etc. Restrictive panel of providers, utilization
review, co-payments,
and so on. Second is Medicare HMOs have a history
of cutting and
running. They are allowed to market their plans by
geographic area
[usually a county]; and if for some reason, a
county does not develop
enough subscribers or yield enough participating
providers, the HMO
simply goes away, leaving it's "members" to
scramble for
fee-for-service coverage.

The upside of HMO membership is, one, Social
Security pays the
membership fee; two, SS does not deduct $88.50
from your monthly check;
and, three, HMO coverage includes drug
coverage--with co-payments [no
deductibles] of $10 per generic and $20 per
proprietary drug. This
benefit effectively cuts the price of most drugs
by at least 50

On Jan 4, 2006, at 2:38 PM, Chapel Ridge Wal Mart
National Hearing
Center wrote:
Locally, Humana has a booth set up in Wal-Mart to
answer questions.
the man gives talks everyday at lunches provided
free at Chicago Uno
Golden Coral.  He asked a co-worker and me to
come, but I'm not old
and Jenny is only 30.  Not sure why we'd be
there.  But lunch at Uno
be nice....  I hear there are as many as 40 or 50
plans to choose from
some states.  What a pain that would be.

----- Original Message -----
From: <Cersgarden@aol.com>
To: <gardenchat@hort.net>
Sent: Wednesday, January 04, 2006 9:51 AM
Subject: Re: [CHAT] medicare was Somebody stop me

In a message dated 1/4/06 12:45:22 AM,
judylee@lewiston.com writes:

if your current insurance provides medicine
the penalty is waived if you later need to use
the medicare benefit

That is great to know.   The company sent us a
letter stating if we
for coverage under one of the plans we would
lose all provided
coverage.   As confusing as it is, I hope no one
would make that

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Island Jim
Southwest Florida
27.0 N, 82.4 W

=== message truncated ===

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Island Jim
Southwest Florida
27.0 N, 82.4 W
Hardiness Zone 10
Heat Zone 10
Minimum 30 F [-1 C]
Maximum 100 F [38 C]

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