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Retirees, Social security, Medicare

Discussion in 'Me, My Herd, My Family' started by farmerjan, Jul 1, 2018.

  1. Oct 26, 2018
    B&B Happy goats

    B&B Happy goats Herd Master Golden Herd Member

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    Bruce if that was pertaining to my comment that i posted above, it was due to the fact that his cancer treatment costs were crazy high, after we did what his agent told us to do, the drs, hospitals changed and lowered the bills to medicare standard payments....and the hospital wrote the rest off. Although its been quite some years, my credit score has only gone up, so no credit issues for doing it that way, at least in the situation that ex and i were in at that time....
     
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  2. Oct 26, 2018
    greybeard

    greybeard Herd Master

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    No, I don't do that. I just pay the bill even if it meant I would have to sell off something, liquidate something or as last resort, make monthly payments till the full balance is paid off.
    It is, what I agreed to do when I walked in their door and signed the financial responsibility form.

    I have seen some good regional medical centers shut their doors because so many people just said "Screw it--they got plenty of $$...I ain't paying it".
     
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  3. Oct 27, 2018
    animalmom

    animalmom Herd Master

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    When a Doctor or Hospital agrees to accept Medicare then that is what they are paid. The Dr or Hospital can bill you for the deductible or the difference between what Medicare allows and what Medicare pays, but the Dr or Hospital can not come to you for the difference between what they billed and what Medicare allows. This is the portion they "write off".

    So if the hospital bill was 1000.00 and Medicare allows 800 and pays 700 of the 800 then the hospital can only bill for the 100 difference, not the difference between what they billed and what Medicate allows.
     
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  4. Oct 27, 2018
    farmerjan

    farmerjan True BYH Addict

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    @Mike CHS ; am interested in the Life Flight ins you mentioned. Who/where did you get it? It seems to be a good deal at a very reasonable cost and I do not see where it is a covered expense in what I have been looking at. I think that I would want to carry that just in case. My biggest thoughts are for any kind of accident that I might be in on the farm, or even an auto accident... know several who have been life flighted to hospitals.
    I am going to be talking to the lady who does our ins at work and has given me advice in the past. I went to a seminar that was given for seniors and they seemed to suggest that Plan F would cost more as the years went on due to a smaller base once it is no longer available. So, maybe the thing to do is to get it now and then switch in a few years as is allowed when you can do so with no penalties? One question I will be asking.
     
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  5. Oct 27, 2018
    greybeard

    greybeard Herd Master

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    Medicare allows some exceptions to that. Among them is Medicare's 2 Midnight Rule.
    If a member is transferring temporarily from skilled nursing to a hospital, the the Three Day Rule also applies.
     
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  6. Oct 27, 2018
    Mike CHS

    Mike CHS Herd Master Golden Herd Member

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    There is more than one company and you can buy from them direct but we got a discount going through our Insurance with Farm Bureau. The link I'm pasting might be some help to you. We have a small regional hospital for most things but any major trauma event is going to require going a minimum of an hour away by vehicle. In our area the EMS folks automatically look for a decal or the card that you are told to have next to your license.

    https://www.airmedcarenetwork.com/
     
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  7. Nov 29, 2018
    farmerjan

    farmerjan True BYH Addict

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    Well, I am OFFICIALLY an OLD PERSON..... I got my medicare card in the mail...... Part A & part B and even paid my first 3 months payment on the part B, although I am looking at the monthly withdrawal out of my bank account.
    Takes effect DEC. 1 ST. YAY !!!!.
    Social Security starts Jan 2019....

    I feel ANCIENT !!!!!
     
  8. Nov 29, 2018
    Bruce

    Bruce Herd Master

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    :old

    Older sister just filed. Had to go in for something Tuesday, had been told she needed to bring her divorce papers and something else. Waited a few weeks for the appointment after being told it couldn't be done on the phone. The guy she saw didn't want to look at the stuff she brought and gave her a form she had to fill out. Seems like they could have mailed that to her!
     
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  9. Nov 29, 2018
    greybeard

    greybeard Herd Master

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    Don't get too used to your medicare number IF your brand spankin new medicare card shows your medicare # as the same as your "Other Federal ID #" + 1 digit. If it does, then you will be getting another medicare card and a new/different medicare ID# within a month.
     
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  10. Nov 29, 2018
    Mike CHS

    Mike CHS Herd Master Golden Herd Member

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    Congratulations on officially becoming an "old" person. :)
     
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