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| peggy fender
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11-19-2009 01:37 PM ET (US)
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Sandy, I was reading one of Carol's postings on another site inre: turning 65 and Part D (for your husband). Here it is..hope it helps:
If you are over age 65 and on Medicare, you must sign up for a Part D Medicare Drug Prescription Plan and cannot use the Medco Plan as that is for people under age 65. ( There is a Medco Medicare RX Drug Plan, but you must pay monthly for this plan.) If you have a late sign up for Part D, then you will have a monetary penalty.. Also, UHC will ASSUME that you have signed up for Medicare Part D and only pay for the portion of the drugs that they are responsible for after Medicare pays, leaving you with anywhere from 75-95% of the drug cost. (gulp!) Once you are signed up with a Part D Plan and after Medicare pays (since Medicare is now your Primary even with drugs,) complete the UHC Drug Reimbursement form and send it to the address on the form along with copies of your original drug prescription and Summary from your Part D Plan and send to address on the form. UHC is now your secondary insurance even for drugs. Only the amount that UHC pays will be applied to your deductible and Out of pocket for the year.. You will be responsible for 20% of the portion that UHC pays, but once you reach your max. out-of-pocket for the year of $1000 (medical and drugs combined), UHC will reimburse you directly at 100% of anything you paid out of pocket for your drugs - the same as medical. I recommend that you go online at www.medicare.gov , do a plan comparison and find the cheapest plan. Once you sign up for the plan, they will send you a card in the mail which you should give to your pharmacy before you order your drugs. The pharmacy will bill the Plan directly for the Medicare portion and you will pay the difference which is about 20-25% (UHC portion). Then you will send the drug reimbursement form to UHC |  | |
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| peggy fender
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11-15-2009 06:27 PM ET (US)
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Sandy, I don't know if Carol reads this message board. I post her emails that she sends out. I know when you go on Medicare you have to get a Plan D. His medco account stops when he turns 65 so make sure he fills all of his prescriptions before then.
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| Sandy Berry
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11-15-2009 05:59 PM ET (US)
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Hi Carol My husband turns 65 in July . . .Do we need to do anything before the end of 2009? What would be do w/o you?????!!!!!! xoSandy
On Thu, Nov 12, 2009 at 5:37 PM, QT - peggy fender < qtopic-26-Mfeu8NGwMNm@quicktopic.com> wrote:
> < replied-to message removed by QT >
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| JO aNTRIM
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404
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11-14-2009 06:25 AM ET (US)
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I honestly don't know what we would do without Carol Behling..You are so special. Thank you, Jo Antrim
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| romey mack
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403
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11-14-2009 02:56 AM ET (US)
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According to the latest notice from AAL, if you are one of the f/a's who chose the RPOS option, we have $1M ea,.not $500K per person for the $180. At least, until we reach Medicare. Then, we drop down to the $500K option. Don't know why, just know that's the way it is. Anyone out there know the scoop?
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| Catherine Simmons
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11-13-2009 01:02 PM ET (US)
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Thanks for this explanation, Peggy...my retirement counselor only gave me a vague explanation about the benefits involved in HealthFirst. He only lit a fire under me to be sure I got that 60 dollars in the mail before I left the airport! Now its 180 but it's a necessary evil, I guess! Cathy Simmons Morello
On Thu, Nov 12, 2009 at 12:10 AM, QuickTopic daily digest wrote:
< replied-to message removed by QT >
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| peggy fender
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401
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11-12-2009 05:37 PM ET (US)
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To All RETIREES on MEDICARE and Friends of Retirees: The Medicare Part D Prescription Drug Plan Enrollment is November 15th to December 31st each year which is effective January 1st of the following year. It is advisable to do a Part D Prescription Drug Plan Comparison during this time frame to see if another Part D company if better for you. Go to www.medicare.gov and follow the links from the Homepage. (Middle of the page, click on Part D Plan Comparison and follow the prompts) Sometimes the monthly premium or drug costs change for the following year. Also, after you enter your drugs and doses, you can "save" this list and update it as needed each year. Don't forget to write down your Drug List ID# so that you can access this list at a later time and not have to reenter all of your drugs and doses. The password will be your birth date. The following are some helpful hints that may help you save money, especially if you have a lot of drugs: - Choose a Drug Plan that does not have a yearly deductible. Remember that you are already paying monthly to be a part of this plan - Choose a Drug Plan that has gap coverage or at least covers generics/some generic during the gap (In 2010, however, there are no plans in California that cover the gap, but several that cover generics/some generics during the gap) - Choose a Drug Plan that has Mail Order You may change your selection of the Part D Plan as many times as you wish up until Dec. 31st, with the last choice being the one that is effective on Jan .1st. Enrollment can be done online or you can call the Part D Drug company directly and sign up over the phone. If you wish, the Part D company will arrange to have the monthly fee deducted from your Social Security check or you can be billed monthly. IMPORTANT: - Remember to file a UHC Medicare Part D Drug Reimbursement Form which can be found on Jetnet and get reimbursed for the amount you paid towards your drugs after Medicare paid for the year 2009. Complete this form and mail it to the address on the form along with a copy of your original pharmacy receipts (includes your drug name/dosage/date filled and amount paid) and a copy of the Summary from your Part D Company. - If you do not enroll in a Medicare Part D Drug Prescription Plan during the enrollment period, the Plan you enrolled in for 2009 will automatically roll over for 2010. Any increases in premiums or drug costs will go into effect on Jan. 1, 2010. Please send this email on to those who may not be a member of this e-group. Thank you! Carol Behling, Retired, LAX-I
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| Sandy Berry
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11-11-2009 09:21 PM ET (US)
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Thank you G'ette for a great response! xoSandy
On Tue, Nov 10, 2009 at 7:17 PM, QT - Rskygirl@aol.com < qtopic-26-Mfeu8NGwMNm@quicktopic.com> wrote:
> < replied-to message removed by QT >
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| peggy fender
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399
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11-11-2009 04:21 PM ET (US)
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more info inre: HealthFirst
Hi All By now you should have received the bill for your AA Supplemental Insurance from HealthFirst TPA. The price has increased from $60 to $180. When you reach age 65 and go onto Medicare, your regular Blue Cross Ins drops to $50,000 and you are then processed by UHC. The Supplemental Ins kicks in if you use up the $50,000. This bill must be postmarked by January 31. If you do not pay it, you will loose this insurance with no provisions for reinstatement. If you did not receive your bill, call Beatrice at 800.711.7083 ext 85748 Happy Holidays!
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| Mary White
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11-11-2009 12:56 PM ET (US)
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Thanks for all of the feedback. Being on a fixed income isn't much fun, but it could be worse! Bye Bye Kiwi Convention in April~~~~
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| Rskygirl@aol.com
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397
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11-10-2009 10:17 PM ET (US)
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Well of course we are all going to die. Perhaps I should have said we won't give in . To the company not life my friend.
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| peggy fender
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11-10-2009 07:09 PM ET (US)
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But we are all going to die, Georgette. None of want to but I think it's going to happen at some point in our lifetime, no?
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| Rskygirl@aol.com
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11-10-2009 06:10 PM ET (US)
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Well they have another think coming don,t they Susan? Never say die. Georgette Ross
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| Barbara Fritsch
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11-10-2009 02:36 PM ET (US)
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You sure do. Thank goodness I have that policy. My husband's bills are already at $200,000 with Medicare. UHC supplimentary pays whatever medicare doesn't .. I also received the new statement from Health First which is the supplimentary connected with UHC. I paid that bill so fast the ink wasn't dry on the statement yet. If you research you will find that even with the increase it is a deal. My friends pay aprox. $200.00 per month for their coverage.
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| romey mack
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393
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11-10-2009 02:31 PM ET (US)
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Does anyone know if we retain this coverage AFTER we go on Medicare?
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| Mary White
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11-10-2009 01:18 PM ET (US)
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I don't think I got a benifits enrollment plan to sign anything. I think they stop sending it out after you reach 65.
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