I have been on 100% TDIU for several years, and now I am coming up on age 65. I have a basic employee provided health insurance plan through Aetna from my Teachers Retirement System of Texas. This TRS-CARE1 program has informed me that after age 65, that they will become a "secondary payer". If I understand this correctly, what was once an 80/20 plan (TRS-CARE1) now becomes a 20/80 plan. I have a number of questions/concerns in how that works with VA 100% TDIU Disability.
The VA has been billing Aetna (TRS-CARE1) for services I receive from the VA (contracted rate, 80%, etc). How does this change when I turn 65?
I am receiving SS benefits at this time, so I assume that I will be auto-enrolled in Medicare A&B. Correct?
Do/Will I need to up-grade my parts A&B?
What about part "D"? I currently get all my meds from VA, wonder if having an outside option would be worth the cost?
How much of a supplemental insurance plan do I NEED?
Can I depend on the VA to continue to cover me at 100%? What if I have an auto accident and am taken to a non-VA hospital room? Do I get stuck with the out-of-pocket expenses?
FWIW, hit deer on Harley a year ago, spent 32days in hospital and VA re-hab. Got lucky since I never lost consciousness and was able to direct EMS to take me to the VA designated/contracted hospital... THIS TIME. Bill was over $200k. Everything got covered between VA and Aetna... THIS TIME.
Still ride Harley, so what will happen under "Medicare" in an out-of-network emergency in the future? (my biggest concern)
I have attempted to talk with Aetna, but all I seem to get are sales-people who refuse/can't give any advise as to options. They only ask WHAT do I want... Not helpful to me at all. And when I watch the news that TrumpCare wants to 5X elder health rates, I get very depressed. BTW my major disability is TBI, so that may be factoring into my panic/depression about this as well. Not having fun... 8-(
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HorizontalMike
I have been on 100% TDIU for several years, and now I am coming up on age 65. I have a basic employee provided health insurance plan through Aetna from my Teachers Retirement System of Texas. This TRS-CARE1 program has informed me that after age 65, that they will become a "secondary payer". If I understand this correctly, what was once an 80/20 plan (TRS-CARE1) now becomes a 20/80 plan. I have a number of questions/concerns in how that works with VA 100% TDIU Disability.
I have attempted to talk with Aetna, but all I seem to get are sales-people who refuse/can't give any advise as to options. They only ask WHAT do I want... Not helpful to me at all. And when I watch the news that TrumpCare wants to 5X elder health rates, I get very depressed. BTW my major disability is TBI, so that may be factoring into my panic/depression about this as well. Not having fun... 8-(
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