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    Medicare enrollment and wait period

    I got a letter in the mail today about enrolling in Medicare (again). It said that if I do this like, soon, I'll have Medicare by the summer. It listed the prices for A and B, and other options. Here's the scoop...back in 2003-ish I did a year of SSDI, but have been working since with employer insurance.

    My question is...did that SSDI stint back then automatically put me in the 'disabled' bin, and fulfill my 2 year wait period for Medicare to be in-effect should I actually pay for it?

    I'd be curious if I can add this option to the possibilities list for retirement before hitting 54 and being able to do employer retiree insurance, or saving on having to pay for Cobra coverage for 2 years before the Medicare 'wait' qualification runs through, if I don't make it to 54 and be still working.

    #2
    I don't have an answer for you, but am curious to see what others have experienced. Temporarily being medicared again might be a nice way to have insurance for an extended vacation at some point in my future.


    Originally posted by Andy View Post
    having to pay for Cobra coverage for 2 years before the Medicare 'wait' qualification runs through, if I don't make it to 54 and be still working.
    With regard to this you can do Obamacare instead of Cobra and probably save a boat-ton load of money... no idea what Cobra is, but if it's still like $1500 a month or whatever you can probably beat that with an ACA plan. Of course medicare is almost certainly a better deal if you can do that.

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      #3
      Yes. SSDI = Medicare. If your employer is a large company and their insurance is good then decline B until you don't have insurance. If you work for a small company or your insurance sucks then opt for B or an Advantage plan.
      T3 complete since Sept 2015.

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        #4
        A should be free.
        T3 complete since Sept 2015.

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          #5
          This must be a mixup or a scam. If you are still working you are ineligible for Medicare at your age. Is there some way you could check your SS account on ssa.gov to see if they are crediting you with work quarters.

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            #6
            Originally posted by funklab View Post

            With regard to this you can do Obamacare instead of Cobra and probably save a boat-ton load of money... no idea what Cobra is, but if it's still like $1500 a month or whatever you can probably beat that with an ACA plan. Of course medicare is almost certainly a better deal if you can do that.
            I figured it out a while ago, IIRC the first 18 months of Cobra would be like 7K a year, and the last 6 months (available 'cause I'm 'disabled') would be the equivalent of like 9K/year. Pretty sure those are correct ballpark numbers. I think I would stick with Cobra, as I believe it wouldn't have the distinct odor of canid feces like something off an ACA website.

            Originally posted by Mize View Post
            A should be free.
            I think I'd have to live under a bridge for that, right? Like under 4132 income/mo and 4000 'resource limit' (according to the letter I got)

            Originally posted by ancientgimp View Post
            This must be a mixup or a scam. If you are still working you are ineligible for Medicare at your age. Is there some way you could check your SS account on ssa.gov to see if they are crediting you with work quarters.
            I'm sort of thinking that they have me pegged under the auto-qualify for SSDI SCI condition. I recall about 2 years after getting SSDI they started sending me Medicare stuff. Maybe the offer is still open and they count the 2 year wait since then? I dunno. I checked the SS website, they are still crediting worked and taxed quarters/years

            Anyway, the letter below seems to suggest that if I send them money, I'll have insurance the same year. This surely does encourage me to become a ward of the state sooner, as the no longer shelling out $$$ for expensive health insurance before making the Medicare grade is an incentive...bad government, lol. Or I could wait till 54 to get the 'magic number' employer retirement and corresponding insurance. That would make more sense, but pulling the plug earlier sure would be nice. Decisions...
            Attached Files

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              #7
              We got the same letter with the same pricing.

              If he signed up for Medicare A&B, he'd also need to purchase Part D to cover prescriptions. Medicare A&B only cover 80% of the "allowable charge" so he'd need his workplace insurance to become the supplement in case he had a hospitalization, outpatient surgery or really expensive diagnostic testing

              A good, employer subsidized PPO health plan with prescription coverage would probably cover more than Medicare A, B and D once the annual deductible has been met.

              Once he's no longer able to work we can sign up for all the Medicare stuff during the annual Medicare Special Enrollment Period and have his workplace insurance be the supplement. That would still be a much cheaper option than COBRA.

              It's that or put him on my employers health insurance.

              Somewhere, a Canadian CareCure member is smiling.

              Comment


                #8
                I think the waiting period (24 mos) maybe would not apply for you, check ssa.gov, as a prior recipient but you cannot be working and receiving Medicare. You may want to check with SSA to be sure they are currently crediting your work quarters.

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                  #9
                  Originally posted by 2drwhofans View Post
                  Somewhere, a Canadian CareCure member is smiling.
                  You think?

                  Funny thing is, I don't really need health insurance for any possible 2 year gap. I have such a stockpile of cath stuff I could run uninsured just fine. But the "what if's" come to mind...never know what SCI might bring to the table. But if the last 15+ years are any indication...don't need it. But I know the medical industry cabal is just salivating for me to become a 'customer'...and their lawyers and 'Charge Master' are at the ready

                  Originally posted by ancientgimp View Post
                  I think the waiting period (24 mos) maybe would not apply for you, check ssa.gov, as a prior recipient but you cannot be working and receiving Medicare. You may want to check with SSA to be sure they are currently crediting your work quarters.
                  They are crediting them, just checked. Maybe I'll call someday with that theoretical and see if I can get an accurate answer. Somehow I do have my doubts they would know what the computer would spit out should I toss in my Medicare application

                  Comment


                    #10
                    Funny thing is, I don't really need health insurance for any possible 2 year gap. I have such a stockpile of cath stuff I could run uninsured just fine. But the "what if's" come to mind...never know what SCI might bring to the table. But if the last 15+ years are any indication...don't need it.
                    Shit happens. Having a SCI does not make you immune to the challenges to your health that come with getting older. You could get cancer, have heart disease, get injured in a MVA, get diagnosed with another chronic disease (diabetes, hypertension, etc.), and in addition to outpatient care and meds, need hospitalization. It's not cheap. Huge medical bills not covered by insurance is the number one reason in the USA for filing personal bankruptcy. Until we get universal health care, keep your ass covered.

                    (KLD)
                    The SCI-Nurses are advanced practice nurses specializing in SCI/D care. They are available to answer questions, provide education, and make suggestions which you should always discuss with your physician/primary health care provider before implementing. Medical diagnosis is not provided, nor do the SCI-Nurses provide nursing or medical care through their responses on the CareCure forums.

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                      #11
                      I make a habit of calling about anything I do not understand in either Medicare or with taxes. Usually their phone people are well informed, though as this and past administrations starve government agencies call wait times extend so long the only way to cope is to call when I am going to be at the computer a while anyway, and plug in my phone. Over the last 10 yeas service has sunk so far these agencies function with months-long backlogs.

                      I've found it very useful to keep both agencies informed. The relationship stays cordial, though many of you would challenge the idea this is a 2-way relationship. In 2007 my dad, who had dealt with the IRS a lot and was again at war with them over an audit, wrote a letter with his documentation (set many times previously) and a plea that they "please resolve this issue quickly so I am not forced to spend my last year or 2 on tax appeals. I am 87." Damned if that did not work! We were both astounded. I had success asking the IRS to forgive penalties when I'd been in foreign hospitals and out of the US for a year. It was tough to get the brain functioning again after severe head trauma that went with my SCI, but they gave me no problems. It pays to be as honest as possible with one and all.

                      Comment


                        #12
                        Originally posted by SCI-Nurse View Post
                        . Until we get universal health care, keep your ass covered.

                        (KLD)
                        Oh, I will. Not that much of a gambler. Although, will they really send the guys with bent noses or repo your house? I guess they could attach any bank accounts, lol. You know there is a problem with an industry where you can get charged nearly 3X more for something depending on you method of payment. We need consumer protection more than insurance against getting robbed I think. But that is another topic.

                        I just read that letter more than a quick skim...seems I'd be paying around double for shittier coverage (80%) than what I have now. And that is tailored for the disabled/retirees? Ok, I'm not thinking about this any more...

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                          #13
                          Andy,

                          Based on my experience, if you received SS before because of SCI, there will be no 2 yr wait to start getting SSI or SSDI. As for the 80% coverage. Purchase a supplemental plan for around $370/month total (A, B, and D plus the supplemental) and after an initial out of pocket, you would have very few costs. YMMV.
                          Better to remain silent and be thought a fool, than to speak and remove all doubt.

                          Comment


                            #14
                            Originally posted by Andy View Post
                            Oh, I will. Not that much of a gambler. Although, will they really send the guys with bent noses or repo your house? I guess they could attach any bank accounts, lol. You know there is a problem with an industry where you can get charged nearly 3X more for something depending on you method of payment. We need consumer protection more than insurance against getting robbed I think. But that is another topic.

                            I just read that letter more than a quick skim...seems I'd be paying around double for shittier coverage (80%) than what I have now. And that is tailored for the disabled/retirees? Ok, I'm not thinking about this any more...
                            The hospital I work for will put a lien on your house in a second, if you don’t pay your hospital bill. It’s no longer a public hospital, but they were taking people’s homes even when we were owned by the county... don’t underestimate the hospital CFO’s desire to maximize his multimillion dollar yearly bonus.

                            Comment


                              #15
                              If you're considering normal Medicare + a supplement, then also be sure that's allowed in your state. In Virginia, Medicare Supplement plans are only available for folks on Medicare who are 65 or older, not for folks on Medicare 'early' due to disability. Only option for me to cover that 20% and also have some reasonable stop-loss is an Advantage Plan.
                              "I have great faith in fools; self-confidence my friends call it." - Edgar Allen Poe

                              "If you only know your side of an issue, you know nothing." -John Stuart Mill, On Liberty

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