Medicare Insurance

By Latest Reply 2010-07-17 12:08:10 -0500
Started 2009-01-23 11:34:48 -0600

I attended a meeting yesterday, Jan. 22, about medicare insurance. They are offering insurance that covers hearing, glasses and eyes, and dental appointments. You must have Medicare Part A and B to be eligible. This would be listed as Part C coverage. They have different levels of coverage, with the lowest level having no premiums, to the having different premium amounts for higher levels. Anyone interested should contact the Medicare office about this. It will be very helpful to me, as I wear glass and I definately need some dental work done.

13 replies

2009-01-30 11:48:56 -0600 Report

Udate: On Wednesday I had my meeting with the insurance agent. The program is a Medicare Advantage Plan from Coventry Health Care.

I did sign up for the Advantra Silver program. There is no monthly premium for this plan. As stated earlier, my main purpose in wanting this insurance is because of the dental, vison care, and hearing exams and aids.

My copays for vision and hearing is only $30. For dental there is no copay for 1 oral exam a year and no copay for 1 cleaning every 12 months. They will pay $100 per 2 years for on my eyewear and $300 per 3 years for hearing aids, should I ever need them. A gym/fitness facility membership is included as well as worlwide urgent/emergency care.

As far as the copays, etc. for hospital, skilled nursing facility, primary physician, etc., my copays, etc. are covered under my medicaid.

This particular program is geared toward those who live in WV. However, to check out possible programs for you in your state, I will list the websites for you to visit.

joni55 2010-04-01 12:32:54 -0500 Report

I accepted a Disabled Widow's Benefit from the Social Security Office when my husband died. It was the worst thing I ever did. I lost everything! I lost my transportation, my medicaid… Now, I have to pay $163 a month for supplemental health care and the dental coverage would cost me another $45 a month, with a stipulation that you cannot get anything major done for a year. I can't afford this. It is killing me. I can't get rid of the benefit either because the Medicare Office says that once they offer you something, you are not allowed to turn it down.

I checked out and they want a donation to use their services. So, I am stuck.

FreeDental 2010-07-17 12:08:10 -0500 Report

I am the Founder of FreeDentalCare.Com. I ran across your post here at this website. FreeDentalCare.Com was started from my own personal problem. I have been in the exact same boat. I know how you feel. I lost my job and needed dental care badly. I had no dental insurance.

I used the same programs listed on our website to get dental care free and for low cost. Yes, we do ask for donations in order to keep the website running and reach more people, but if someone can not afford to donate all you have to do is to send us an e-mail stating you can not donate and I will give you free access to the free and low cost research center. Noone should EVER go without the care they need because they can not afford a donation.

Please come back to our site and send us an e-mail. Just click on contact us from our home page.

Best wishes to you!

2009-01-24 15:55:49 -0600 Report

Update: I will be having my one on one interview with the representative next Wednesday, and I will be getting all the paper work and alot more information. I will keep you informed. Be assured that I will NOT sign anything that will mess up what I already have. From what I understand at this point, this is just an additional Medicare approved plan, and it will not change anything I already have. I had asked that question when we had the meeting on Thursday. As I said, however, I will keep you informed of my meeting, and if I am given any information that I can pass on to help others, I will do so. Thanks to those of you who have shared your concerns. Mary

GabbyPA 2009-01-25 07:44:39 -0600 Report

Great to hear that. There are so many out there, and they all have good things and not so good things. Ahhh, the nature of insurance. Just make sure it meets your needs, that is vital. Good luck!

Anonymous 2009-01-25 08:55:05 -0600 Report

I totally agree with what all others have said. I checked with all the companies and for me I elected to stay with Medicare for all parts. Just know that if it is an insurance company they are there to make a profit at your expense. Good luck to you.

2009-01-25 10:52:41 -0600 Report

Thanks everyone for there comments. From what I understand so far, this is a Medicare approved provider and they have a contract with them. However, that doesn't mean I'm not going to go over everything with a fine tooth comb.

ms. rose
ms. rose 2009-01-27 08:50:38 -0600 Report

Just a question,
Can anyone apply for medicare parts a/b under age 65? And do they consider diabetes related issues cause enough to provide coverage for name-brand prescriptions, and quality health care to its recipients? Hospitals, etc don't like to treat patients on these programs. My experience dealing with them has been negative, but I'm looking for something positive to check into. Any feedback will be very appreciated.

2009-01-27 11:15:13 -0600 Report

You should contact the Medicare office. I am on disibility, so that is why I am have Medicare Parts A and B at only 56. I am sure you could access Medicare or the Social Security office on-line, or call them on the phone.

joni55 2010-04-01 13:31:41 -0500 Report

I am also on Medicare Parts A & B. But, I am disabled due to emotional and physical problems. I have lung problems, diabetes, fibromyalgia, arthritis… I have not worked since 1996 and I am 55. So, disability is a reason, if you can prove that it is keeping you from functioning properly. I had no problem getting it and am glad I did.

I have not found that I was treated any different than any other patient in the hospital that I was in, many times. I was always treated with respect and care.

GabbyPA 2009-01-23 12:17:51 -0600 Report

This is good, but be sure you are not getting medicare coverage from an insurance company. My husband did that and though it was great for a while, what happened when we tried to get him a wheel chair is found out that it is actually an HMO plan and the wheelchair companies wouldn't deal with that. We ended up going back to straight medicare a&b, and had to get part d to take care of persecriptions.
So as long as you don't need some very specialized equipment they are great plans and very cost effective.

2009-01-23 12:34:38 -0600 Report

Thanks for your input. I will make sure that I read everything carefully before I sign up for anything. My brother will be looking over the papers also. He is my medical power of attorney, since I am not divorced, nor do I have children. I trust his judgement and will understand things better than I.

shirleycc 2009-01-23 16:36:32 -0600 Report

I second the suggestion that you be very careful in choosing a medicare provider.
I'd love to switch to something that would cover eyeglasses, dental and hearing, especially hearing since my aids
no longer work and I can't afford to replace them. The trade-offs aren't worth it to me. As it is, I hit the "donut hole" by May for meds and that's with a part D plan that continues paying for generic drugs (with no co-pay) for the entire year.