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  • 14 Questions about VA Disability Compensation Benefits Claims

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    When a Veteran starts considering whether or not to file a VA Disability Claim, there are a lot of questions that he or she tends to ask. Over the last 10 years, the following are the 14 most common basic questions I am asked about ...
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  • Can a 100 percent Disabled Veteran Work and Earn an Income?

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    You’ve just been rated 100% disabled by the Veterans Affairs. After the excitement of finally having the rating you deserve wears off, you start asking questions. One of the first questions that you might ask is this: It’s a legitimate question – rare is the Veteran that finds themselves sitting on the couch eating bon-bons … Continue reading

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Ssdi Medicare part B question


silverdollar22

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Question, I’m 100% P&T and draw SSDI. I recently received my Medicare pamphlet and card with instructions on choosing the part B option. My question is being 100%P&T do I really need part B of Medicare? I figured no but, I wanted to ask the Experts! Thanks, Eric 

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Im in part B now (opted out before 65, then opted in at 65), but I use the Medicare Advantage plan.  

I think I can explain it like this.  

If you have part b, you can INSTEAD of the government ran medicare program, opt into a plan administered by an insurance company instead.  

In other words you can go with medicare, or Medicare advantage plan, either one.  

I have the medicare advantage plan, and I do think there are advantages. 

1.  Medicare advantage is more widely accepted.  Frankly doctors dont want to deal with medicare.  Its too complicated, they make them take less than they want for services, etc.  

2.  Medicare advantage has more coverage than medicare.  My humana plan offers Senior Sneakers, which is a membership to one of the health clubs that participate, such as Planet Fitness or La Fitness.  (There are others, those are just the ones I know about. 

     I have a great agent at Humana, he calls me once a year, and/or when I need him.  He knows medicare/medicare advantage, stays on top of it, and also he knows how to get stuff done.  I have been with the same agent 3 years.  He has "had my back" more than once.  My wife has the same agent.

     Now, I really have not used Humana for 3 years.  Paid premums but did not use it.  However, humana sent me about 4 boxes of frozen meals.  There were about 20 meals per box.  I liked most of them, you pop them in the microwave.  I also get the health club membership and enjoy that. 

     However, these things are not worth 140 per month.  I keep it for one reason and one reason only.  If I have a catastrophic illness, such as cancer, and my VAMC has a bad plan, or Cleveland Clinic, for example has a new treatment VA doesnt do in my VAMC, then I travel to Cleveland and get the treatment without draining my kids inheritance.  

     

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Thanks for the great information to chew on! I have another question that you might know the answer to. If I have the VA and I opt for the Medicare part A not B, I get into a car accident out of town and get taken to the nearest emergency room (Hospital), the VA will pay for it at least until I get stabilized right? If I have both Medicare and VA will they fight over who will pay and in the meantime I get Jammed with the bill? Please correct me if I’m wrong!

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You are going to get Jammed for the bill. Part A is automatic and is for long term care as far as I am aware, part B is for direct medical care. IMO, that 140 per month is not worth the risk these days, anything can happen in a second, and although you might be ok with the VA, they may not have the means to get you through what life can throw at you and the bill can be steep and 140 per month is very cheap piece of mind.

Your life, your money, your call.

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Not necessarily.  Va "should" pay for it, but there are rules, just like everything else VA:

https://www.va.gov/COMMUNITYCARE/programs/veterans/Urgent_Care.asp

Worse, even when VA does owe the money they are often slow (or never) with it!

As you can see, from this article, VA, like always, tries to weasel out of it, even when they owe it!

https://www.nbcnews.com/news/veterans/court-rules-va-must-pay-veterans-emergency-room-care-decision-n1052131

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