Thursday, March 19, 2015

Establishing a relationship with Medicare or...



 

The realization of knowing you may not know as much as you think!
For most Americans that have had jobs throughout their lives a portion of their paychecks had been taken out during those years to pay for their futures of having medical care in old age, with a program called Medicare.

Now that I am going to be of legal age, within months, I have been told that since my birth date falls at the very beginning of the month I am able to begin this more reasonable medical coverage, by a couple hundred of dollars a month less than what I have been paying these last couple of years, and even with a slight supplement payment, all my co-pays will be ZERO, ZILCH, BUPKISS, NADA, NOTHING, NOT-A-THING!

Yes, we have had a two and half hour in home visit from a representative of one of the many, many insurance companies who have been sending literature and calling all vying for our meager dollars…but seriously this is so much better coverage and the premium output than what I am doing now.

Zero co-pays for medications, “0” for office visits, specialists or GP’s and yes there is more, with NO networks all your own choices, only a yearly payment of $147 deductible for Part B, Excess fees- are rare, co-pays some office visits of those who accept Medicare but not all types a maximum of $20 and up to $50 for an ER visit if not admitted to the hospital!
My Copaxone has much larger co-pay but I did call my co-pay angels, the Assistance Fund, and they said I still qualified for them to cover that even at the higher amount, whew!
This is called the “N” plan that is with Banker’s Life who is Colonial Penn, so it is legit.
And no, we did not commit yet but Allison their representative made another appointment with us for next week.
Meanwhile we have another person from another insurance company coming here in the earlier part of next week!
Stay tuned.

Last night I got another scare with a bill from CVS Specialty for my Copaxone from December 15, 2014, saying that they were not paid my monthly cost for my medication that is over $4600 and were asking for me to pay. I called them and said that it was not right and that it was a mistake.
Florida Blue had paid all of my previous charges for this medication, why now, even the ones for this year had been paid. Their billing at CVS said that I had been in a “grace period”. I said what! And then I thought about that stupid penny underpayment, but wait that was for this year, not last, besides now they still have a penny over since I paid it twice, once originally when they said that I had it wrong and then again when they insisted they did not receive it!
Sure enough the final decision was to call Florida makes me oh so Blue non-healthy stress causing insurance company and too bad for you as clients company, and any-who they said that of course they had that month’s premium payment received on 12/2/14 so all was good and there was no reason, “logically”, my additional wording, of why it was not paid! It was immediately rectified during a three way phone call with me, FL B and CVS billing, done and done!

Ta DA! I ask you is this necessary to try and see if my heart is functioning monthly with their absurd errors in bookkeeping in their billing’s department, seriously?
I say a nope, no, nada, no reason for their incompetence and for them to consistently do this to people, any, but especially the ones with chronic illnesses that stress can cause more severity!
All is fixed now so I have been told.
And they even called later on to tell me that my monthly delivery of my Copaxone would be coming tomorrow/today, and it did!

What will I complain about when I bid them a fair farewell/SEE YA DON'T WANT TA BE YA!
Don’t know, but I am sure I will find a new way to do a happy dance!
Just two more months, thankfully!

So that’s it for tonight with personal info abounding. I will be even saving a couple a hundred a month that is earmarked for paying down the car loan, we already pay additional on our mortgage each month for the principle to be paid down for few years since that HARP refi, and after all that we would like to save for a vacation perhaps?

Who knows…?

On that note of counting my chickens before they hatch, making me a bit nervous, as usual, allow me to be the very first to wish all of you a very happy good night and ask you all to kindly count all your blessings and share all those overages with you know who and we will too!

And next time please be here or be square, ya hear!




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