Medicare supplemental insurance plans offer coverage for things Medicare may not cover on its own. This extra coverage will allow one to obtain better healthcare at a lower cost.
Yes. It depends on what is covered in your Medicare plan. There are supplemental insurance programs, like MediGap and other additional options provided either by Medicare itself, or by your own choice of providers. This answer is correct for the most part, but you don't HAVE to have a supplement when you have Medicare. It is up to you. Most people wouldn't go without a supplement. These nifty little plans can cover your deductibles and coinsurances that Medicare leaves for the patient. If your claim is high dollar, you could find yourself in trouble trying to figure out how to pay your portion of the bill. Also, Medicare itself doesn't offer any supplemental insurance. You have to shop for yourself and decide which sounds like it would help you the most. Part D supplemental coverage is for prescriptions. Medicare does not cover any prescriptions. You have to figure which drugs you are presently taking and then find a supplement that will cover most of those drugs. If your prescriptions radically change over the year, you may want to shop for a new Part D supplement when it's the time of year to add, delete or change your supplements or even purchase a Medicare Replacement Plan. Many, many choices.
Quite likely a Life Insurance or Medicare deduction.
can't afford taking care of 5 grand kids daughter and wife in s.s. disability
No, you are not subject the the late enrollment penalty if you were covered by an insurance plan or your spouse's insurance plan at the time you were eligible. Make sure you receive a copy of your creditable coverage letter once you plan to enroll in Medicare Part B, so you can prove you were covered. For more information on the time frames for enrolling in Part B should you lose or drop coverage, see the link below on the Medicare website to the Medicare & You Handbook, page 21.
can my employer pay my medicare premium instead of taking it out of social security
There are some supplemental insurances that will cover incidents that come up. You use the money as you see fit. Usually though, you are really saving money by taking an insurance that has a higher deductible/copay since the premiums are lower. We are so used to an all-encompassing insurance plan, but those are going by the wayside in the current (2010) market. Also, if you contribute to a health savings plan, that money is pre-tax and is cheaper to use for copays.
No Medicare will not pay for Chatrix. My insurance company did not pay for mine and to my kowledge at this time none of the insurance companies are paying for it. Medicare will cover smoking cessation (counseling to stop smoking) if your doctor orders it. It includes counseling for 2 cessation attempts within a 12-month pperiod if you are diagnosed with a smoking-related illness or are taking medicine that may be affected by tobacco. Counseling for each cessatio attempt includes up to four face-to-face visits. You pay coinsurance, and Part B deductible applies.
Yes. Social Security and Medicare are taken out of your income before you see your paycheck. Your employer also pays an additional Social Security and Medicare tax to your account.
If you are taking insurance classes at an institution of higher learning that is able to offer credits you will be able to take insurance classes for credit.
Livestrong website has benefits of taking atkins shakes. There are also links to other websites that discuss the advantages and disadvantages of taking atkins shakes.
If you are taking your car, you will have to contact your insurance agent. If you are not taking your car with you, you could cancel your insurance for the time you will be gone.
there is none.