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Re: Medigap not available?

Re: Medigap not available?

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Posted by Pat G. on September 03, 2000 at 14:28:05:

In Reply to: Medigap not available? posted by Steve on August 25, 2000 at 20:53:51:

: This is probably state specific to Calif., where I live. Due to a permanent disability, I will be receiving Medicare soon, although I am under 65. I can not find an insurance co., which will sell a medigap policy to me until I turn 65 (in 10 years). Two questions: Do some Dr's and hospitals take only the Medicare part A and B as full payment?, or will I be stuck with the co-pay which I think is 20%. Second question is does anyone know of a Co. in Calif. which will sell a Medigap policy to someone under 65?

Dear Steve: I am a disabled 51 year old female in Washington state. My state, also, has failed to fill in the medigap concerns you have. As far as I know, at least in Washington, no one will give me a break on that 20% that medicare won't cover. What I did was first try Department of Social and Health Services. Even though my husband and I are both disabled, our income was barely over the amount they allow for medical (of course). The next thing I did was call my state insurance commissioner's office (in tears, I might add)(I had a medigap policy and they dumped my entire, rural county). The commissioner told me about a policy called Washington State Health Insurance Poole. I pay $184.29, plus the $45.50 per month medicare. BUT this Wash. State Ins. covers all medications with a $5.oo co-pay for generic drugs and a $10.oo co-pay for name brands. I have no other co-pays. I don't know about you, but I have spinal arthritis, and just had neck fusion, which ran $10,000.oo. I pay $185 per month for just one of my medications, so this insurance policy helped me although it is spendy; I have no surprises. So, try calling your state insurance commissioner's office, if you don't quality for social & health services medical coupons. We are considered at poverty level with my hubby's (70% V.A.) and my social security, according to the figures quoted by the U.S. government, but we just miss the D.S.H.S. standards. Life is tough when you are disabled and live at poverty level. I am not wheel chair bound, and when using disabled parking spots, I always get yelled at. Oh, I could go on and on. If you ever want to talk, I'll listen. Take care, Pat G.




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