Wednesday, August 22, 2012

An Invitation

Don't you just love getting invited to a party or being asked to join a group of like-minded friends in a new adventure?  
     Normally, I do but this is one invitation I wasn't quite ready to dictated solely by my age.   And it made me feel so old, because since I've hit that magic number -- 64.5 years of age --
I've been invited by the Federal Government to begin the MEDICARE application process.  

And what a process!!    Let's face it -- the Government sends out your notice 6 months in advance, because it takes that long just to review the complicated maze of paperwork. 

Parts A, B, C or D --- what do I really need? 
It's like trying to figure out a jigsaw puzzle with my eyes closed!   And I even have an advantage over other Boomers because as a retired Federal employee, I'm used to the terminology and their long-winded way of explaining a simple procedure.  Still I get a headache just reading through the Government brochures and the numerous private supplemental policy offerings I've been receiving daily in the mail.
One thing I know for sure - though it's expensive, I'm keeping my Anthem-Blue Cross Federal Plan as my supplemental coverage as many of the nationally offerred plans just don't cover enough.

And please be wary of those "FREE" supplemental plans.   That's right - FREE -  no monthly charge, but just how good could that be?     NOT MUCH!!
        I found this out the hard way recently when my 87-year old mother was hospitalized.   She'd been bragging for years about the free supplemental plan she had.   Well, I never could get her to change plans and her recent hospital stay cost her over $2,000 when it probably would have cost her ZERO had she been paying for a better supplemental plan.

If you're on MEDICARE and have any tips to effortlessly get through the process, please share them.

Some helpful websites: 

1 comment:

Sherry said...

I am a few years away from retirement, hoping for an early one at that. There is just so much to understand and wade through; it's a bit overwhelming. Your blog is a fun read, so thanks for making the process easier with good info.