Secondary Insurance (with Medicare)

By Deb-G Latest Reply 2010-03-22 07:00:08 -0500
Started 2010-03-20 14:25:58 -0500

My Mother-In-Law recently moved into an apartment near us…she doesn't drive so this has gotten us much more involved in her needs, etc…She recently got on Medicare and I have realized she didn't pick up any secondary coverage along with that…That scared me! lol…but…with the sea of options out there…how to choose! …Can any of you that are on Medicare tell me what you have found to be good secondary coverage, and any you have heard about or experienced that are crappy??…So far I have requested plan info from BC/BS and Aetna…but there's a ton more out there…any suggestions would be great! :)

7 replies

Deb-G 2010-03-21 23:05:56 -0500 Report

This healthcare stuff is really getting scarey :(

Thank you all for the info…I got a few things in the mail this weekend and will start looking things over well with her…

The VA benefits are great Suz…I know several people that take advantage of that as well and they are great with medications as well…

I appreciate the info on the rest as well…maybe i'm just HMO phobic?…I always thought HMO limits you too much…but maybe thats HMO's of old?…So much of this is new to me! I've had the same Ins forever so i've never had to think about it…

By the time I figure it all out Obama will probably mess it all up for me! ;) lol

Wish me luck! lol

imsuzie2 2010-03-22 03:35:37 -0500 Report

I heard the Health Care Bill passed. At least you haven't put in too much time in it yet.

Deb-G 2010-03-22 07:00:08 -0500 Report

That scares me even more!…I'm hoping I am missing something good about it…doesn't seem to be any bonus's in it for seniors…time will tell :(

imsuzie2 2010-03-21 22:40:33 -0500 Report

Hey, Deb! Mike is on Medicare, and he chose to stay with our HMO, so there is no monthly premium which is nice. His advantage is he also has VA, so he uses the VA mostly, and the HMO usually as a second opinion, except for cardiology, since the HMO doc is so very thorough with his care. Our HMO was/is Senior Dimensions, a Health Plan of Nevada company that was recently purchased by United Health Care (which is behind AARP). UHC has both HMO and PPO plans to choose from. If I get fired as I think, (by the end of April) I will be looking into Cobra options. Not quite to the point of disability, altho my gastro would love to put me on it. Where is that damn Genie when you need one? LOL

Deb-G 2010-03-21 10:56:05 -0500 Report

Thx you guys for the answers

We are in IL…we are hoping I think to stay out of HMO's and where she just moved to our area we are looking to get all new doctors for her…I have noticed that doctors in general are happier hearing you have some insurances then others…lol…Bc/Bs seems to be one they like…I have looked into Medicare Advantage but I'm just not sure about it…I want her to be able to seek help wherever she choses if a situation comes up…Right now she is pretty healthy and limited medications so not very needy…but..she is getting older and we dont want to take a risk :)

Spirit…I did actually just call AARP as I saw their add on T.v. so I requested a booklet from them as well…Its nice to know which insurances are picking up the secondary costs without much hassle…

I have BC/BS myself as a primary and I'm not of medicare age but I never see a bill…so BC/BS is all i know…but for medicare and secondaries I know there are a ton of options and its all giving me a headache! lol

It helps very much to know which plans you all feel pay well…even without details…you know sometimes someone will say "oh dont use that ins co because you have to fight your way through every claim"…thats something we dont want…I also would like to give her the ability to go to any hospital or doctor of her choice…

She is on a limited income but we'll help her through whatever she needs…secondary is so important…i'm just glad this came out now instead of when she needs it! :-/

GabbyPA 2010-03-21 10:43:11 -0500 Report

The best thing to do is sit down and get a list of her doctors, meds, and anything special she needs. Then visit where it lists all the plans. What my husband did was call the numbers and ask if his doctors were in their plans and he was also looking for gym coverage. It took a little bit of work, but he finally found a plan that meets most of his needs. I don't know if there is one out there that meets all of them. Or you can reverse engineer it and ask your doctors what plans they accept and find a common one with most of her existing medical team.

I don't know what state you are in, but in Florida we have what they call advantage plans. Many of them provide full coverage, low co-pays and coverage on things that medicare would not cover at all. They are HMO's so you have to work in a network, but they are the most cost effective for us.

spiritwalker 2010-03-20 14:51:19 -0500 Report

It depends on what you need. I went on medicare disability after an amputation
due to MRSA. Some secondary insurances cover very little. I have AARP.
They have covered everything that medicare hasn't. When you are talking prosthetics that's a lot of cost each year. My secondary insurance is expensive,
but worth it. if you would like for details of insurance I would be willing to share those privately.