Now that was sweat inducing.......changing medicare ins. plans

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Torn Mind

Lifer
Nov 25, 2012
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2,716
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1st world problem for making 6figures.

solution:
reduce income and live off savings.
low income = high subsidies
My mom gets eligible for Dual Complete plans because she knows how to hide her money.
 
Nov 17, 2019
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It's called "Full Dual Eligible" which means eligible for both Medicare and Medicaid. Basically better coverage with no premiums for low income members. Part is covered by the Feds and part by the state.
 

JEDI

Lifer
Sep 25, 2001
29,391
2,736
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It's called "Full Dual Eligible" which means eligible for both Medicare and Medicaid. Basically better coverage with no premiums for low income members. Part is covered by the Feds and part by the state.
nice!

so apparently Torn's mom income is $17k or less per year to be eligible on Medicaid.
and as i already said, a trust to hide her assets.

but living on $17k/yr isnt much quality of life unless she has lots of CASH lying around to supplement it.
or working off the books.
or someone is supplementing her quality of life
 

Torn Mind

Lifer
Nov 25, 2012
11,898
2,716
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no idea what dual complete plans are.
but yes, it's called trusts to hide assets.
We're not that rich. She wouldn't pay for a lawyer anyway.

It's simple as not reporting and the state not auditing.
 

Muse

Lifer
Jul 11, 2001
38,409
8,701
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it looks so complicated compared to work plans! it reminds me of the myriad of ACA plans available. but at least those don't require interrogation to sign up.
Medicare is a complicated mess. I get a ~1/2" thick 8.5x11" book in the mail yearly from the government concerning what's up with it. I save it but don't read it. I did that when I first signed up, a sobering episode. Just signing up in the first place was like taking a college course in complexity. They expect all these 65 year olds to do that. Fine, if you're sharp mentally, a good reader, have an ability to deal with complex extensive issues, in short if you're capable to going to law school. I did it, I know. I made my choice and have stuck with it (a highly rated HMO). Are there problems with it? You bet. There are also benefits.

We need a nationalized health care system in the USA that cuts the crap, that treats people like human beings, not like pawns in a giant complicated game which is what we have now with our 5 dimensional health maze afloat on shifting continents. What Obama did was amazing, but I figured it was a first step and wouldn't look anything like what should happen and hopefully will, ultimately develop. There are too many stakeholders now who will throw monkey wrenches into attempts to create a workable effective national health care. Competition is sacrosanct in the USA. Any attempt to stop that aspect of solving issues is called socialism. I ask, what's intrinsically wrong with thinking of the broader good? Isn't that what socialism should mean? It doesn't mean that the means of production are owned by the state. To me it means that we have the well being of the people foremost in our thoughts in developing policy and solutions.
 
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Red Squirrel

No Lifer
May 24, 2003
68,459
12,613
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www.anyf.ca
Lol the more I read this thread the more I'm happy to be in Canada. What a mess this all sounds like, and you have to pay for it on top of that!
 

Torn Mind

Lifer
Nov 25, 2012
11,898
2,716
136
Lol the more I read this thread the more I'm happy to be in Canada. What a mess this all sounds like, and you have to pay for it on top of that!
One exception.
Your Dentists are NOT much different from American dentists.
 

Red Squirrel

No Lifer
May 24, 2003
68,459
12,613
126
www.anyf.ca
One exception.
Your Dentists are NOT much different from American dentists.

Yeah dental, eye care and medication is not covered for some reason despite the crazy taxes we pay should be more than enough to cover it. So yeah if you don't have a job you are basically paying out of pocket for everything and it's insane expensive.

The NDP wants to cover it but people never want to vote NDP because they feel it's throwing their vote away, so it's probably never going to happen.
 

GrumpyMan

Diamond Member
May 14, 2001
5,780
264
136
Yeah I had to do a lot of research, but basically went with a give back advantage plan by Wellcare. It was the highest rated among all the selections I had on Medicare.gov. And of course, Joe Namath likes and uses it...lol. I gave them a list of the monthly meds I take for high blood pressure so they could tell me how much I would be expected to pay. It came out to $0.00 on my meds.

They give me a cashback that goes straight into SS to plug into the Part B deductions which those bastards at SS will be raising in 2022. I will also get dental, hearing and over the counter meds I may need over the year.

They refused to pay for my monthly bar tab at Nikki's Irish Pub however which I'm going to have to lobby Congress on next year. Bastages!
 

BoomerD

No Lifer
Feb 26, 2006
64,209
12,529
136
Yeah I had to do a lot of research, but basically went with a give back advantage plan by Wellcare. It was the highest rated among all the selections I had on Medicare.gov. And of course, Joe Namath likes and uses it...lol. I gave them a list of the monthly meds I take for high blood pressure so they could tell me how much I would be expected to pay. It came out to $0.00 on my meds.

They give me a cashback that goes straight into SS to plug into the Part B deductions which those bastards at SS will be raising in 2022. I will also get dental, hearing and over the counter meds I may need over the year.

They refused to pay for my monthly bar tab at Nikki's Irish Pub however which I'm going to have to lobby Congress on next year. Bastages!

Unfortunately, none of those "as seen on TV" plans are available in my area.