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Secondary Health Insurance Informative - Need A Secondary Insurance To Cover Beyond Medicare

Review by DebtorBasher on 2009-04-28
My 83 year old Father has Medicare...and Medicare only. When I took him to the doctor today, they asked for additional insurance, which he doesn't have.
He has some health issues that need to be looked into and he is scheduled for some test.

Can anyone help me with a good recommendation for a secondary health provider that will pick up where Medicare ends? I don't know the first thing about this stuff. I tried to help my parents in the past with this, but then they got a mailbox stuffed full of papers, forms, offers and cards from every direction and all different insurance companies and we didn't know what they had, what might have been covered or if they were accepted or denied. Then my Mom just said the "you know what" with it all and she threw everything away. But, now I want to get the help for my Dad (My Mom passed away a few months ago and I want to make sure my Dad gets whatever help he needs). I guess it's called a supplement for Medicare. He has a wallet full of cards for prescriptions, I'm going through those now, to see if any of them are active or expired. He never throws anything away like that.

Anyway, any help and/or advice would be greatly appreciated.
Comments:31 Replies - Latest reply on 2009-04-29
Posted by BEJ on 2009-04-28:
Check into AARP for some secondary insurance.
Posted by old fart on 2009-04-28:
Humana also has supplemental insurance policies for that purpose..
Posted by Anonymous on 2009-04-28:
I sent you an IM about this DB
Posted by jktshff1 on 2009-04-28:
Sorry BEJ, 'Genral, stay away frome the american association to rip off people.
Posted by old fart on 2009-04-28:
For what it's worth, I have Humana for my drug coverage and so far have not had one problem with them...
Posted by Anonymous on 2009-04-28:
Excellent question, DB, as my dad only has Medicare as well. I'm very interested to see all the responses.

It makes me sick that my hypertension med costs $4/month, and my dad pays over $100/month for his...
Posted by DebtorBasher on 2009-04-28:
My Dad is always concerned about medical bills and like many other senior citizens will go without the help because of it. It's ashame after fighting for this country and worked since he was 9 years old, they have to feel this way...when others who never contributed a nickle get everything for free.
Posted by Nohandle on 2009-04-28:
DB, my Mom had BC/BS as her supplemental insurance and with the exception of prescriptions from the pharmacy all her doctor and hospital bills were taken care of in full. Do check into a supplemental, it will be well worth your time.
Posted by Anonymous on 2009-04-28:
You could also call Partnership for Prescription Assistance at 888 477 2669
Posted by Mrs. V on 2009-04-28:
Also check with your cities/towns Department of Aging. They tend to have some very good information there ^_^
Posted by Anonymous on 2009-04-28:
I'm for the obama universal health care plan. Folks like your dad need relief and they need it now.
Posted by old fart on 2009-04-28:
AMEN ! BROTHER!... I'm 69 , I've paid taxes since I was 15 and I'd like some of that money back in the form of better health insurance...
call it socialism if you will but if it is then I'm a socialist..
Posted by Anonymous on 2009-04-28:
I think it's disgusting people have to decide between meds and food. My nephew got laid off, was camping, a gas can exploded. He was burned. The bills are coming in and it's in the $350K range. If it IS socialism, then so be it. I'm with you Fartie. We need to take better care of our people.
Posted by DebtorBasher on 2009-04-28:
"Fartie" LOL!

You've all been very helpful with this issue....thanks so much! A round of "VH" for everyone!
Posted by Nohandle on 2009-04-28:
Sherdy, you might have said it best: We need to take better care of our people. We now need to ask ourselves who are our people?
Posted by Anonymous on 2009-04-28:
I am the people your parents warned you about. :)
Posted by BokiBean on 2009-04-28:
I called mama to see if she could offer any "old folks" insurance advice but her situation is completely different from your dad's.. You're a good daughter, I hope he is doing well.
Posted by DebtorBasher on 2009-04-28:
Thanks Boki...I'll most likely be spending the day on the phone tomorrow.
Posted by BokiBean on 2009-04-28:
My mama has military insurance and medicare IS her supplemental..so she was no help. When you're on the phone tommorrow, I wonder if it would help to mention that your daddy is a veteran, you might get a price break.
Posted by Anonymous on 2009-04-28:
Posted by DebtorBasher on 2009-04-28:
I was just on a website looking at the Military insurance, but it says if you have any other insurance, you wouldn't be eligable. But, yes I will mention him being a Vet. If I can't get help from one place, they may be able to direct me in the right direction. I've always hated dealing with insurance decisions, even for myself at work. Bunch'a mumbo jumbo to me.
Posted by DebtorBasher on 2009-04-28:
Maybe I can get some help for him if I tell them he's "undocumented"...LOL!
Posted by Anonymous on 2009-04-28:
DB Go the Octomom route then you will never have to work. And you can afford your papa some decent health care.
Posted by Anonymous on 2009-04-29:
I agree with Nohandle about BC/BS supplemental. My mother had it and was very pleased with it.
Posted by jenjenn on 2009-04-29:
Anthem Companion Plans pick up the M'care co-insurance. You may want to check them out. They generally won't cover if M'care doesn't cover though. Also, you'll have to purchase a seperate prescription plan. (if he doesn't already have one) Good luck! :)
Posted by Anonymous on 2009-04-29:
83 year old man with a 28 year old daughter....

You don't find that everyday!
Posted by Anonymous on 2009-04-29:
My dad's 73 and I'm 27
Posted by old fart on 2009-04-29:
Leave it to C2O to count on his fingers....LORD LUVADUCK!
Posted by DebtorBasher on 2009-04-29:
I knew either C2O or Crabby was gonna say that...people have babies later in life now...not like back then when you guys were born.
Posted by Anonymous on 2009-04-29:
In all honestly, I do not know that one is better than the other. I have heard nightmares about Humana but that is just hearsay. I've never had any personal experience with them. Many of the problems that I have heard about do not have to do with what the coverages are, but with the timing of payments to the providers (as in they are VERY slow to pay). My experience is mainly on the prescription side of it, and all of them are the same as far as coverage is concerned, with a few changes in the covered drug list. If your dad has a doctor that he uses as a primary care physician you may want to ask him/her what experiences they have had with the Medicare supplements that they accept. This would be your best gauge as they see what is approved and what is not a covered benefit by the different insurances. They can also tell you the track record they have with the different insurances as far as the timing of their payments. I am sorry I could not have been of more help.
Posted by DebtorBasher on 2009-04-29:
Actually, I found your advice to be very helpful John...I never thought about asking the doctor about the track records for the insurance companies. I just got my Dad a primary Doctor and had him there yesterday...looks like he's gonna be going for different tests and follow ups. I contacted Humana today...though I remember trying to get help through them about two years ago and they kept screwing the application up. I just told them to send me the info today...but I'm still checking into some of the other options the members suggested. Thanks again.

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