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Supplimental Insurance November 21, 2008 9:15 AM

I have Medicare but no longer qualify for medicaid so I been shopping around for suppliment insurance,narrowed it down between Humana & AARP Medicare Complete.If any members have knowledge on either one, I'd appreciate any input.Thanks

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 November 22, 2008 8:35 AM

im sorry wish I could help you but I dont have insurance, I am not eligible for medicaid and we have a state insurance here called chip and adult chip, my son has chip, its free, Im eligible for completely free adult chip but theres a year and a half at the least wait for it (they said I could pay for it till theres a opening but its almost 400 a month, I dont have 400 a month, and if Im eligable for it for free ya think they would know I cant afford to pay for it LOL)
good luck, I hope you find the eprfect extra cover, and at a decent rate (would be nice if it was free!)

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anonymous  November 22, 2008 8:50 AM

I have Humana but neither Humana nor AARP are supplemental policies, they are Medicare REPLACEMENT insurances. I am trying to choose a supplemental myself, so I can go back to straight Medicare and leave Humana. It's difficult finding a good PCP, and prescription drug coverage is a problem due to the annual limit before you hit that dark hole where you have to pay (in my case). I think it's about $2500.00 for the year -- this probably doesn't make much sense but I don't know exactly how to explain it. Ask Humana about annual deductibles and limits on prescription drug coverage, they can explain it.

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 November 23, 2008 11:02 AM

as expensive as prescriptions are they should not have a cap, that is not fair , people go without meds because they cant afford them

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you may want to look at "medigap" policies November 23, 2008 11:15 AM

That way you keep origianl Medicare and the gap insurance pays the remaining 20%.  It certainly came in handy when I had my two cancer surgeries, nursing home care & chemotherapy!

They range all over the place in price, and there is a lot of information about them on both the medicare site as well as two others I will find and post here.

Here is a good one:

      
The Medicare Rights Center is a national, nonprofit consumer service organization that works to ensure access to affordable health care for older adults and people with disabilities through counseling and advocacy, educational programs and public policy initiatives.
       
Visit our online subscription form to sign up for Asclepios at http://www.medicarerights.org/subscribeframeset.html (http://www.kintera.org/TR.asp?a=guIUK9PMLhKYKkL&s=emJULgO0IlI0JeNXItE&m=ihKVIaMNLfJVE&af=y).
       
Get answers to your Medicare questions from Medicare Interactive at http://www.medicareinteractive.org (http://www.kintera.org/TR.asp?a=9dJGLOMkFaJLI0K&s=emJULgO0IlI0JeNXItE&m=ihKVIaMNLfJVE&af=y).

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here is the medicare rights center newsletter ~ on jjust this this month November 23, 2008 11:44 AM

       
Topic of the Month: Medicare Options
                         
This week, in Marci . . .

* * * * * *
                                                              
Volume 7, Issue 46: Week of November 17, 2008
                                                   
* Dear Marci: Can I buy insurance to fill the gaps in Original Medicare?                     
* Get Resources: Resources for understanding your Medicare options.               
* Health Tip: Tips for running in cold weather.                   
* Survey Says: Nearly a quarter of hospital stays show mental illness diagnosis.                                                                                     

* * *
                                           
To make sure you continue to receive our e-mails in your inbox (not bulk or junk folders), please add dearmarci@medicarerights.org to your address book or safe sender list.
                                                   
* * * * * *
                                           
Dear Marci,
                   
My former employer is cutting its retiree coverage next year and then I will then only have only Original Medicare (http://www.kintera.org/TR.asp?a=aoJGITNzFeJLJ5K&s=7pIGKVMyFeIMKTMvEmH&m=nmI4LjOYLpLeE). Can I buy insurance to fill the gaps in Original Medicare?
                   
—Perry (Chicago, IL)
                   
* * *                   
Click on the blue, underlined hyperlinks for related information available through Medicare Interactive!
* * *                     
                   
Dear Perry,
                   
Yes, several insurance companies sell supplemental coverage to fill Original Medicare's gaps. These policies are called Medigaps (http://www.kintera.org/TR.asp?a=drKMI2OLLhISKfJ&s=7pIGKVMyFeIMKTMvEmH&m=nmI4LjOYLpLeE) and they help cover Medicare deductibles, coinsurances and, depending on the plan, some additional benefits.
                   
There are 12 different standardized Medigap plans, labeled A-L (except in Massachusetts, Minnesota and Wisconsin which have their own Medigap systems). The cost (http://www.kintera.org/TR.asp?a=9nJELQMvFeJCIUK&s=7pIGKVMyFeIMKTMvEmH&m=nmI4LjOYLpLeE) of your Medigap policy will depend on the type of Medigap plan you choose and who you buy it from. All plans of the same letter cover the same set of benefits, but costs vary greatly by company (one company's Plan A may cost much more than another company's Plan A). It pays to shop around.
                   
You will want to look into buying a Medigap in advance of when you will lose your retiree plan (http://www.kintera.org/TR.asp?a=cgLKIZNHLhIJK4J&s=7pIGKVMyFeIMKTMvEmH&m=nmI4LjOYLpLeE) so you have no gaps in coverage. To get started, find out which Medigap plans are available (http://www.kintera.org/TR.asp?a=ftIQI8PTJkKQIeI&s=7pIGKVMyFeIMKTMvEmH&m=nmI4LjOYLpLeE) in your state.
                   
* * To find out more about how the benefits of each Medigap compare to one another, visit Medicare Interactive (http://www.kintera.org/TR.asp?a=imKWJhM5InJXJoL&s=7pIGKVMyFeIMKTMvEmH&m=nmI4LjOYLpLeE).
                   
— Marci
                   
* * * * * *                     
                   
Looking for past Dear Marci Answers? Have other Medicare questions? Find your answers with Medicare Interactive (MI), an independent, public resource of the Medicare Rights Center. MI offers expert information and advice on Medicare. Visit Medicare Interactive today! (http://www.kintera.org/TR.asp?a=bpIIKWNDKgIKL4K&s=7pIGKVMyFeIMKTMvEmH&m=nmI4LjOYLpLeE)
                   
Do you need individual counseling? Call the Medicare Rights Center's consumer hotline at 800-333-4114, between 9 a.m. and 5 p.m

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