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Old 07-13-2010, 07:25 AM   #1
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Medicare part B said I filed to late

I'm so frustrated right now, and so angry I don't know what int he heck SS is doing, but I imagine they are doing this to try to save money by denying coverage as long as they can.

First off you are suppose to automatically be enrolled after 2 years, am I mistaken? So when I asked where my card was they said I had opted out of coverage RIGHT, why in the heck would I opt out of medical coverage (this was last fall). *smh* So then they said I had to wait until Jan for the open enrollment, so I called, they sent me an application I sent it right back. I didn't hear anything so I called and the lady said I was due to start up in July. So no card, I call again today, the man said he searched every system that he could and he didn't see anything. He also said it might have been sent tot he wrong place, but I said I put the address that they gave me, I did. So I am looking through my stuff I found a letter from June saying I applied to late, so the left hand doesn't know what the right is doing. He is saying I didn't file, someone else is saying I filed to late. If this is the way things are run then it's no wander the system is in such a mess!

What do I do? He said I had to prove it, so how can I? Except my partner checked my application to make sure I got it right and then mailed it. I'm now assuming I have to wait again, until next year.

Do I have any other option? Call my senator, government, or maybe I'll call "Ask Jesse" he does a segment on when things go wrong, like contractors not doing their work, or property management companies that won't send an elderly lady a refund they owe her. I should ask him to do a segment on the outrageous hoops we are made to jump through.

So forewarned to all those getting started, keep everything, send everything by certified mail. DOCUMENT,DOCUMENT and then document some more. The SS is not here to help us, they are hear to make things as difficult as possible.

I don't even qualify for Medicaid because I have too much in savings. gee sorry I am trying to save for when we both are retired. This isn't helpful to those that make minimum wage, those that want to get themselves out of poverty. You are penalized for trying to make your life better. What a joke.

 
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Old 07-13-2010, 10:52 AM   #2
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Re: Medicare part B said I filed to late

Contacting your state rep or congressman may help. Also look to see if there are any advocacy services in your area that may help. Are you on SSDI? Did you use an attorney for SSDI? If so perhaps they can help straighten it out.

In terms of automatic enrollment they send out a form that you must agree to enroll or you can opt out of Medicare. So you have to be careful with every form/letter you receive. See if a response is needed, study it carefully, and respond quickly.
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Old 07-13-2010, 03:25 PM   #3
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Re: Medicare part B said I filed to late

Thinking enrollment is automatic is a BIG mistake. You aren't. Once you get the info asking if you want Medicare you HAVE to let them know you do.

READ EVERYTHING from CMS(Center for Medicare and Medicaid Services)....don't look for mail from MEDICARE.

Since you have to pay for Part B of Medicare you have to tell them what you want to do and if you don't take it when first offered, you will be assessed a 10% penalty for joining later.

Get a lawyer since it seems that you didn't get that initial postcard asking if you wanted Medicare.

Also, it's 2 years from the date you were approved for disability not the date you applied so make sure the dates are right.

Also, they just changed what supplement policies a disabled person can get. I got a Medigap Type C that pays for everything that is not covered by Medicare and as of Jan 1st this year, that policy is no longer available. But if you already have it, you can keep it. Just make sure you make every payment on time so they don't have reason to drop the coverage....you can't get it back.

Jenny

 
Old 07-13-2010, 04:53 PM   #4
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Re: Medicare part B said I filed to late

Jenny: I have LTD from my employer part of the plan includes allowing me to keep my health insurance (currently $390/mo for medical and Rx) for as long as I am on LTD. If I max out LTD and am on until retirement age (I'm 44 now so that's more than 20 year away)I continue medical coverage under retiree plan (I'm currently on the retiree/disabled plan). If SS is approved I could be eligible for medicare as early as around November 2011 (SS should be retro to around Nov 09). Can I turn down medicare and later enroll IF my employer based health insurance coverage ends and I'm still on SS? I'm guessing what I'm paying per month (which includes Rx coverage) is equal to or less than Medicare and I don't need both,
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Rt&Lt thumb arthroplasty 2012 ; RT TKR & Bilat CTS 2011
Fusions: L5-S1 (87), L4-S1 (93), C5-C7 ('06), L3-S1 ('10)
C5-C7 foraminotomy 08

 
Old 07-13-2010, 06:34 PM   #5
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Re: Medicare part B said I filed to late

Check with your employer insurance carrier. I know our insurance(United Health Care) had in it's handbook that if you go on Medicare for any reason(disability or age 65) that Medicare immediately becomes the primary insurance....both Part A and Part B. In the case of anyone turning 65, the federal law says that no insurance company has to cover anyone over 65.

But with a disability, it will be up to your insurance company. It may be that if you are offered Medicare and refuse it, they may still consider you as having it and charge you as if you do have it...that is what I was facing. In other words, they would calculate what Medicare would have paid and then figure out what their responsibility would have been with the leftovers. So I HAD to take it.

So you MUST ask your insurance carrier what their policy is on you getting Medicare as a result of disability. You may not have a choice as far as they are concerned.

In my case, I have Medicare and a Medigap C policy and a Medicare Part D drug policy and I do not pay a cent to any doc or hospital and only co-pays with the drugs and it's all for less than I was paying for a policy that was standard with UHC......$1500/year deductible, $25 co-pay for primary and $50 co-pay for specialist plus drug coverage. I actually am way ahead of the game. I'm so glad I got it.

So check your policy.

Hang in there................Jenny

 
Old 07-13-2010, 07:03 PM   #6
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Re: Medicare part B said I filed to late

Get a lawyer since it seems that you didn't get that initial postcard asking if you wanted Medicare.

Also, it's 2 years from the date you were approved for disability not the date you applied so make sure the dates are right.



Jenny[/QUOTE]

I know, it's actually been 3 years since my approval date, and no I didn't even get the form asking if I wanted it or not. Since I got approved all the forms have been coming out of order. I got my initial letter from SS months after I started getting checks. Not one thing has been right, the whole system is broke. It really ticks me off that he wants me to prove I applied DUDE, I got another letter saying I applied too late, seeing how Jan is deemed to late. Gods they really make me mad. It should take over 4 years to get on Medicare, and I'll fight the penalty, by asking them to prove I opted out of Medicare, no way they can prove that.

 
Old 07-13-2010, 07:40 PM   #7
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Re: Medicare part B said I filed to late

Good idea I ask for proof. In theory if you did they have that letter imaged in some system somewhere.

And thanks Jenny. I have UHC and we'll. What happens if I am approved and what insurance I have at that time.
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Rt&Lt thumb arthroplasty 2012 ; RT TKR & Bilat CTS 2011
Fusions: L5-S1 (87), L4-S1 (93), C5-C7 ('06), L3-S1 ('10)
C5-C7 foraminotomy 08

 
Old 07-14-2010, 10:20 AM   #8
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Re: Medicare part B said I filed to late

Alexa3....remember, you are dealing with the government...they will make you prove that you didn't want Medicare. That is why I suggested a disability lawyer...they know the ins and outs and might even get you back coverage for the past year and even a penalty against them for doing this. It's worth the one free consultation they offer. Call someone! Don't think it will be easy....it's like dealing with the IRS...go in with guns blazing and having all the proof you need to know you are right and they will back down and you'll win.

That is how I got SSDI to start with. I had a friend who was a lawyer advising me on the side and when 3 times in a row they notified me that I had an exam with a doc with less than 24 hour notice, I pushed to be given SSDI based on them not giving me the mandated 2 week advance notice of a medical/psychological exam. And I won. Also helped I had records from a bunch of top docs saying I had broken my neck and couldn't work.....guns blazing!

Did it with a Workman's Comp claim too. In this state(and probably most states) you can file your own WC claim by yourself through the state government and then your company has to prove you weren't hurt there rather than you having to prove you were.

Call an SSDI lawyer....he'll have a field day with them!

Jenny

 
Old 07-14-2010, 10:24 AM   #9
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Re: Medicare part B said I filed to late

SpineAZ...if you are approved for SSDI, it's 2 years before you will get Medicare so you have lots of time to check out your policy. I keep forgetting you're on LTD with your company. Medicare notifies you 3 months before the start date and you have up to 30 days after the start of Medicare to cancel your insurance so you do have overlap protection.

Going through this with hubby right now as he turns 65 in October and I'm waiting for his cards now.

Have you applied for SSDI yet?

Jenny

 
Old 07-14-2010, 10:33 AM   #10
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Re: Medicare part B said I filed to late

If they begin my SS benefits effective 11/2009, then medicare would be 11/2011. So what is difficult for some people can be getting a retro approval and medicare being immediate. For me, if I get my approval letter 02/2012 I have to make a quick decision since medicare would be immediate. But I will be prepared by knowing what my health policy requires. Every January I request a copy of the full policy so no matter when SS is approved I hope to be ready to make the decision.
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Rt&Lt thumb arthroplasty 2012 ; RT TKR & Bilat CTS 2011
Fusions: L5-S1 (87), L4-S1 (93), C5-C7 ('06), L3-S1 ('10)
C5-C7 foraminotomy 08

 
Old 07-14-2010, 05:57 PM   #11
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Re: Medicare part B said I filed to late

Spine...I'm going to take this discussion to a new thread so we don't hijack the thread from Alexa. I got some new info tonight I want to pass along.

New post will be...Medicare with existing insurance.

Jenny

 
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