Quote:
Originally Posted by sarahsweets
So I have been on disability for a long while and have one of those red white and blue cards for medicare. I have never participated in the part D coverage because my husband's insurance covers more of the medications I take and ends up to be cheaper. I was looking at it yesterday and saw 'hospital benefits'. Do I have them?
In the past I have had medical persons ask me about my medicare co-insurance and I have always told them I do not have co-insurance and have been buried under out of pocket medical bills for a long time. I am having surgery march 15th and I was wondering if sharing this information might help lower what my part would be. My husband's insurance covers most but until I have met my deductible its my responsibility and also they only cover 85% after that. I cant believe after all these years I have only just now noticed this, please do not make fun of me over it.
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what you are covered for depends upon your own individual case and what medicare package you chose when you signed up for it.
suggestion contact your insurance they will look up your file and tell you whether you are covered for your up coming surgery or not.
co insurance.... do you mean co pay? a co pay is when you have to pay so much before the insurance will pay the rest.
example some people have to pay 3.00 to the pharmacy when they get their refills and then the pharmacy bills the rest on the insurance. (just using this for an example of what a co pay is.)
if you mean co insurance as in having more than one insurance plan... this applies to those that have both medicare and medicaid or medicare plus a second insurance plan like work place insurnace or other private insurance.
how this works when someone has more than one insurance plan is they bill one insurance (example medicaid) first then after that first insurance plan paid their part, they bill medicare and medicare pays for the rest of the bill as long as the services are things on your insurance plan package.
you can tell your treatment providers what your insurance plans are for things and then they can make sure that they only prescribe treatments and meds that your insurance will cover so that you dont keep getting bogged down with having to pay for things your insurance didnt cover.