I'm on SSD with Medicare only. Now that it's that time of year, I can add to my Medicare coverage, but I am confused by the various programs: There is Medigap, right? Then there are Medicare supplements. Right now, I pay 20% of most medical appointments and procedures which adds up. I have serious autoimmune disorders and PTSD and a mood disorder. I see an Internist, a Rheumatologist, a Psychologist and a Psychiatrist. They are good doctors, and I'd like to keep them. I also do not like the idea of my insurance having to approve a referral to a specialist.
Can any of you explain or recommend the supplemental programs? Which supplemental insurance companies have the best reputations? Any input is appreciated.
Last edited by CrispyFallDay; 11-02-2011 at 07:45 PM.
Since you live in CA, you might be able to get Medi Cal .. They have a special prgram for people with disabilites and it does not cost anything, this will cover everything you need , with next to nothing co-pays. It is worth looking into. I also have mental health issues and take medications, having both medicare and Medi-Cal the medicines are always affordable.
Perhaps set up an appointment with one of the nationwide major insurance companies, not a local or even state wide one. These sales people aren't as pushy as typical insurance sales and they can explain all the options. Coverages are similar from ins co to ins co but sitting down with one sales rep may help. Ask up front if they can discuss a variety of levels of coverage, if they can, that's the company you want to educate you through the process.
www.medicare.gov has good information as well (the official Medicare website with simple educational tools. The front web pages says "Finding Plans" and that will provide a great deal of info/education as well.
Do all of your doctors take just barebones medicare? I know the 20% can add up. I am still trying to figure everything out. I am finding out you really don't get a lot of bang for your bucks with the Rx only drug plans when you really analyze them.
Quote:
Originally Posted by CrispyFallDay
I'm on SSD with Medicare only. Now that it's that time of year, I can add to my Medicare coverage, but I am confused by the various programs: There is Medigap, right? Then there are Medicare supplements. Right now, I pay 20% of most medical appointments and procedures which adds up. I have serious autoimmune disorders and PTSD and a mood disorder. I see an Internist, a Rheumatologist, a Psychologist and a Psychiatrist. They are good doctors, and I'd like to keep them. I also do not like the idea of my insurance having to approve a referral to a specialist.
Can any of you explain or recommend the supplemental programs? Which supplemental insurance companies have the best reputations? Any input is appreciated.
