Medicare Humana Health Plan - Retired Couple May Lose Everything

Review by smbenson on 2012-04-15
Rating: StarEmpty StarEmpty StarEmpty StarEmpty Star
INDIANA -- We bought a Medicare Humana health care plan as we were told that it is a better plan than Medicare alone. The gal selling at a desk at Walmart convinced us this would be so much greater. We did not know that we were giving our good Medicare with benefits away for this almost no insurance better so called plan. Now my husband had a fall with spinal injury and needed surgery. We had a hard time getting released to find any rehab facility in their network. Finally one was found and it looks like all he has is 7 days allowed to recoup with no Medicare benefits. I am almost sure when the hosp bills come in, they won't do much and will put us in bankruptcy. Our government should never let us old people down. We have been so mislead and been scammed. We are so sick over this. Its awful
Comments:6 Replies - Latest reply on 2012-04-16
Posted by tnchuck100 on 2012-04-15:
You should check into this further. When you are eligible for Medicare other companies such as Humana, Blue Cross/Blue Shield and United Healthcare provide supplemental policies. Two types are common: Supplemental plans and Advantage plans. All the particulars about the types of plans should be in the information Social Security sent to you when you became eligible. These do not replace Medicare coverage. They provide additional coverage.

I'm not saying you did not sign away your Medicare benefits but it is highly unusual and unlikely.

Good luck.
Posted by jktshff1 on 2012-04-15:
Buying insurance at walmut is like praying to Jesus in a mosque....it just ain't right
Posted by Johanna on 2012-04-15:
Appeal appeal appeal. And then, failing that, ask to be put on a payment plan.
Posted by David on 2012-04-16:
most insurance plans and medicare only cover so long for rehab type facilities. Its not uncommon and may not be that different than Medicare coverage.
Posted by Alain on 2012-04-16:
Contact a counselor at the Indiana Department of Insurance (800) 452-4800 to see if they can assist you or direct you to someone that can help you.
Posted by lexophiliac on 2012-04-16:
Medicare should cover the first 30 days at 100% coverage, after that the covered percentage goes down until the benefit runs out and certain services won't be covered at all, then other insurance is supposed to kick in. Alain gave good advice, another idea is to check into whether your husband is eligible for help through social services at this point. The rehab facility should have a social worker on site that can help you locate any assistance programs available also, and aid you through the eligibility and application process.

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