how do I get out of Humana Gold and just get back into regular Medicare-too many problems and delays with Huma

Question

zarnev, thanks. I understand what you're saying about the hospital bill, but at least I could get into the hospital or get the tests my doctor has ordered! I don't want a middle plan in between me and Medicare - they just delay and delay and deny, it seems to me. Seems like my friends with Medicare only are much better off. They also don't seem to need the sep. Rx drug plan - Medicare does just fine. Do you ahve different info that would convince me otherwise?

Answer 1

In most cases you cannot make any changes until the Annual Election Period of November 15 - December 31 with a January 1 effective date.

I would encourage you to get on another Medicare Advantage plan at that time because you probably don't want to be left paying 20% of a large hospital bill as you would with Original Medicare. When you get on another plan that will automatically dis-enroll you from Humana. Otherwise you will need to contact the company in writing that you want to dis-enroll.

If you do decide to go on original Medicare you will need to purchase a stand-alone Part D prescription drug plan. Failure to do so will result in restrictions to getting on one when you need it plus monetary penalties.

You'll want to contact a local independent agent who deals with senior plans to get the full information as there is too much detail to go into here.

EDIT FOR ADDITIONAL DETAILS:

First off, Medicare only covers part B medication, that is medication that is dispensed in the doctors office or hospital. If you need a maintenance medication that you take daily it will not be covered. If you don't have Part D you can only get on a plan from November 15 to December 31 and when you do you have a permanent penalty added to the premium. This penalty is equal to 1% of the average premium nationwide for each month you don't have coverage. So if you are off any Part D plan for 18 months you have an 18% penalty. Say, for example, you didn't have a prescription plan and went to the doctors office today. He put you on Casodex. You'd be stuck paying the monthly $1265.00 for the rest of the year.

Original Medicare is OK for people that don't have any medical conditions and will never go into the hospital but can you be sure you're one of those people? Be aware that this year you'd have a $131 deductible for doctor visits and a $992 deductible for hospitalization (these deductible will go up next year) then you are paying 20% of the cost. With the hospital deductible if you go into the hospital in February you pay the deductible and if you go in again in July you pay the deductible again. Come November you have to go in again, another deductible. If you have a very bad year it could eat up a lot of savings.

Answer 2

Would you like information about a program that will help you to get to the services you need immediately?

It will also save you significant amounts on all your bills?
You may contact me if interested.

Answer 3

You may have to ask for the paperwork yourself and fill it out to get the transfer.

Answer 4

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