I don't think I can afford Medicare....

Discussion in 'Fibromyalgia Main Forum' started by Carle55, Dec 12, 2005.

  1. Carle55

    Carle55 New Member

    After waiting for years to be eligible for medicare I am now eligible to recieve medicare. I had very little medical intervention and will need several procedures. I checked into the supplemental insurance and they are probably cost me $200to 300 a month plus perscription insurance also.

    This is going to hurt but I can't afford the 20% I will have to pay that medicare doesn't pay. Looks like I'll be in debt for the rest of my life. I have severe back problems that need to be attended to first. I have had breast cancer and haven't had a mamagram in 5 years. I also need to see determotiligist for skin cancer on my face that seems to have come back. I had the tumor removed over 5 years ago.

    Thanks for listening. I guess I'm just venting. I know there is not much I can do. I know medicare is better than nothing and I am thankful for this. Merry Christmas everyone....carle
  2. hopeful4

    hopeful4 New Member

    First of all, I'm sorry that you are in this situation to begin with. You deserve the best medical care available, without going broke, not to mention the stress you are going through!

    I also have Medicare, but had a supplemental plan which will soon end, so I'm trying to go through the maze as well.

    Please don't give up! It takes a lot of effort for us to be our own advocates. I have some suggestions.

    I am also a breast cancer survivor. I live in Washington State, and I went to their Breast and Cervical Cancer Health Program website: http://www.doh.wa.gov/wbchp/links.htm At that site are numerous links you can click on, and I mean numerous. Everything from the American Cancer Society, Susan G. Komen Foundation, Y-Me, and other women's health sites.

    Please go to some of the websites and contact the organizations by phone. Maybe a friend or relative would support you through this. Explain your need, and ask what they may have to offer. For one thing, your state may have a Breast and Cervical Cancer program that could get you the mammograms you need. They may also have other resources for you. Keep a list of what they say and any referrals they give you.

    Then, contact Medicare by calling the toll-free number on your card. Ask them for the phone number of your State Health Insurance Assistance Program. Call them, and tell them you need an appointment with someone who can help you find an appropriate supplemental and drug coverage program. Also tell them that you cannot afford to pay for the coverage and drug costs, and they can tell you if you are eligible for assistance.

    There may also be private or religious organizations that can help you pay for supplemental insurance. For this you will have to research.

    Never say never, and don't take "no" for an answer. Best wishes always, my prayers are with you.
    Hopeful4
  3. Mikie

    Mikie Moderator

    I belong to a Medicare HMO through United HealthCare which costs me no premium. It's a cut above the usual HMO and I've had excellent care through this plan. Medicare HMO's and PPO's vary from county to county withing the same state. You need to find out what is available where you live. There are co-pays with HMO's and if there are significant procedures, there can be significant co-pays but it still ends up costing less than Medicare alone or Medicare with a supplement.

    About the only under-65 disability Medicare supplement is through United American, an excellent company but an expensive alternative. If you are 65, you have guarnateed coverage for the six months following your 65th birthday. Plan B is the most cost effective for most people.

    If you qualify, there may be help for your Part B Medicare premium and the new Part D prescription coverage.

    Love, Mikie
  4. JLH

    JLH New Member

    I'm confused.

    You are now eligible to receive Medicare benefits and you don't think you can afford them? How can you NOT?

    Or .. is it that you can not afford the Medicare SUPPLEMENTAL INSURANCE? and ... perhaps the Prescription Drug Insurance?

    There is only a short period of time to decide if you want to take Medicare once you become eligible for it.

    I know it is difficult for low-income people to pay the 20% that Medicare does not pay; however, without having Medicare at all, how would you pay the entire amount?

    One good thing about Medicare is that the hospitals have to take what they approve--which, sometimes, is quite a bit LESS than what the price would be if you did not have any type of insurance at all.

    For example: I just recently went to the hospital, as an out-patient, to have a CT scan of my lumbar spine.
    * The charge was: $2,400.00
    * Medicare approved: $547.26
    * Medicare paid: $301.00

    * Balance that would either be sent to a secondary insurer, or that I would owe, is: $246.26.

    See, if you did not have Medicare, or any insurance at all, the amount that you would owe would be $2,400.00.

    Maybe if you can't afford a secondary insurance, talk with your local Welfare Dept. (or Social Services Agency) and ask about Medicaid being your secondary insurance. It would be according to your income.

    When you have to go for mammograms, etc., see if there is any free clinics, or the local health department. I know our county health department here has free women's clincs that include mammograms, cancer screenings, clinics with various specialists, etc.

    Then for your prescriptions, there has been many posts here about the free programs that the drug manufacturers offer.

    I don't know if any of this has made any sense of not, if it hasn't -- just ignore me!! LOL

    Holiday Hugs,
    Janet
  5. 69mach1

    69mach1 New Member

    but there is some help for you...check with all of the above the the other people have reccommended to you to do...
    i know they have programs for the breast cancer and cerivical cancer survivors or not having any insurance and just found out....

    the medicare issue there is are programs to pay your supplemental out there...if your income qualifies i just did a reinstatement for medi-cal and the state will pick up my supplemental premeium for an hmo called kaiser, senior advantage and yes you can get senior advantgate if you are not a senior itis for disabled people also....

    but i do not know if i want to continue with kaiser my self so i need to call the 1800# for medicare now that i just received my number only not the card in the mail....i have until the end of december to decide what i'm going to do....

    so i totally understand what you what you are talking about....also there are programs out there that will cover your presciptions bothof my parents have done it when they didn't qualify for the state to pay there supplemental and the medicare premimum they made too much money....or else they didn't know they could get help w/premimum...

    hang in there you will have some health care no matter what....