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GOODMEMORIES's Photo GOODMEMORIES Posts: 30,455
6/21/10 1:11 P

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It is my guess that when and if Medicare benefits are cut that even if you have a Supplemental policy that you are paying for, it will affect you. First of all, your supplemental insurance pays the balance of what Medicare deems to be the acceptable amount for a service. So, for example, you had something done and your Medical Doctor charged you $100, you would think Medicare would pick up $80 and your supplemental insurance would cover the other $20. Not true! If Medicare decides that whatever you had done was (in their minds) worth only $70, then they would pay $56, and your supplemental insurance would pay the remaining difference of $14 because they base their coverage on what Medicare "says" a service should cost. YOU would be responsible for the balance of $30 in this particular case. I found that out when my husband was diagnosed with cancer and we went to Mayo Clinic -- the prices charged by Mayo were considerably more than Medicare deemed should have been the "going price." I think when the government gets into the act we are always going to see that we are receiving less coverage and will incur more out-of-pocket expenses. I am NOT an Obama fan anyway. 'Nuf said.

Trying to find the silver lining in all the clouds!

Eve - Pacific time (AZ)


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KOOLNANA5's Photo KOOLNANA5 Posts: 470
6/20/10 1:44 P

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BTW .. Canadian health care system is much like Obamas (much as I hate to say!)It's different in every Province here. I understand that by 'his' plan it's hard for you to change in the middle of the stream as it were.. We older folk don't like change!

Smile .. it's a lot cheaper than medicine!


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KOOLNANA5's Photo KOOLNANA5 Posts: 470
6/20/10 1:40 P

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I live in Alberta, Canada and we are SO lucky and thankful with our Alberta Health Care & Blue Cross. We don't pay for either one .. but we do pay 20% of our meds thru Blue Cross, however at the end of the year if we have paid more than $45. a month (between us) the government refunds that balance to us... we received a cheque in May for over $1200. from the Govt. As low income Seniors we are also allowed free dentures every 5 yrs. and they pay $230. for glasses every 3 yrs (which isn't much considering we both wear trifocals). AND we are allowed $5,000. per year on 'necessities' .. we got a Maytag Washer & Dryer .. BRIGHT RED! (MY LAUNDRY ROOM LOOKS HOT!)You have to be approved (according to your income) and you can only get certain things that they specify. We are now awaiting monies for some plumbing repairs. If you are in a lower bracket than we are, you get more stuff! We each have two doctors .. and there is no waiting list either! Some have to have surgeries in larger cities, and they do have to go on a list ... WE ARE VERY HAPPY & THANKFUL emoticon

Smile .. it's a lot cheaper than medicine!


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AEHEGE's Photo AEHEGE SparkPoints: (89,738)
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6/20/10 12:06 P

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Both my husband and I have Medicare, plus a private insurance add-on. Our private insurance does much better coverage than Medicare now. When the cuts come, Medicare will have to provide less service. It's scary to think of our declining years with less and less medical help. That alone is a good reason to eat properly and exercise and do what we can to stay healthy.

--Anne from Idaho
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BARBBF's Photo BARBBF Posts: 5,066
6/20/10 11:55 A

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I decided to keep my regular HC plan rather than switch to Medicare. However, I do wonder if they actually do cut Medicare by $500 Billion...will there be no loss of quality in the services provided to Medicare patients.

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