New to Medicare.....just turned 65 and am receiving all kinds of pamphlets intended to help me.?

Question

Humana,United health,and many others have been solicting me to join.All this is centered around the part b of Medicare which i know nothing about.What do i actually need?and who has the expertise to assist me.I reside in St Pete Fl.I feel these health providers are out for the money not my interest thanks

Answer 1

There should be a Senior Center in the community where you live, and there will be many experienced Seniors there to help you sort things our. They will also have Attorneys for Seniors and their problems. If you can get there you will find many other things going on that you may be interested in . You are welcome

Answer 2

Go to the lunches and presentations. It is a case of immersion therapy.

I signed up for United my first 1/2 year. Not so great. We went to Universal this year and have been very pleased with the service. My Husband has had 4 surgeries and a ton of testing all cancer related. They have been great.

We are still getting the bills from the last two surgeries, so I am not totally sure how we will come out financially. But in general we have been really pleased.

You might as well lose the negativity and start learning. It is a major challenge.

You can sign up during the next 6 weeks and have one chance to change in the first 3 months of next year should you change your mind. It is only for one year at a time, so don't let it make you totally crazy.
It made me completely crazy and let my Husband do the surveys. He did a whole chart comparing apples to apples.

The Universal program we had last year didn't cost us anything, but that is changing this year and will cost about $65. a month. But so far we have been pleased.

We are in Tampa and Universal is out of St. Petersburg. Take a look at it, you might like it. Good Luck.

Answer 3

You're receiving information about part c or D. Part B comes from the government. For Part D, you'll have 63 days to make your choice about what plan. If you do not pick a plan within that period, you will be assessed a fine of 1% per month when you do sign up. After the initial 63 days, you can only sign up November 15-Dec 31. Go to http://www.medicare.gov and there is a part D search engine. Just put in your medications and your address and it will tell you which plan is the cheapest for you.
To be safe, you'll need to be signed up for Part B and D. Part C combines A, B, and D. It is a managed cared program.
You can always contact Medicare if you need help.

Answer 4

If you are still working and covered under a group health plan, you do not need Medicare Part B. If you are not working, then yes you do need it. What you are getting in the mail are pamphlets from providers that are trying to sell you supplements, Medicare Advantage plans, or Medicare Drug coverage (Part D). In 2008, Medicare Part B is going to be 96.50 per month and will be deducted from your Social Security benefits. Part B is what you use for doctors visits and things of that nature. Part A is for hospitalization or long term care. Be careful when choosing a supplement if you do find you need one as Medicare only covers 80% of your medical expenses. The best thing I can suggest is to find a Senior Advocate in your local area to sort through all the information.

Answer 5

If you are healthy and stick with part A and B.

Target and Wall Mart have a long list of generic drugs for a $4.00 a month per prescription.

Be sure to take your "Welcome to Medicare" check up with in 6 months.
They wave the deductible and do some things for free.You will have to pay your 20%

Answer 6

First are you still working and covered under your Company's health policy. If so, do nothing.

If you need supplemental coverage and are not eligible for "medipak", go to AARP, they have very good advice.