Deleted
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Sept 29, 2024 2:16:12 GMT
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Post by Deleted on May 2, 2016 23:21:59 GMT
My mom has asked me to help her get enrolled in these two programs and I have no idea where to even begin.
From what I've read online, she can't enroll in Medicare until Dec 31, 3016 but I think she can get Medicaid now.
I've been to the Medicaid.gov site for the state of MD and I'm so confused and lost I can't figure it out and was hoping someone here could point me in the right direction.
Thanks for any insight you can give me.
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Post by ntsf on May 2, 2016 23:24:17 GMT
look for a senior center or senior help at the city or county level. there are usually social workers or consultants who can help with the process.
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Deleted
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Post by Deleted on May 3, 2016 0:03:23 GMT
look for a senior center or senior help at the city or county level. there are usually social workers or consultants who can help with the process. Good idea. I'll call around tomorrow and see if I can find a place to get some assistance. |
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Post by freeatlast on May 3, 2016 0:08:22 GMT
Is your mom already receiving Social Security? If so, she will be automatically enrolled in traditional Medicare. If she is not getting Social security, the Social Security Administration handles the enrollment. You can call 800 772-1213, visit the website www.ssa.gov or apply at a local office. Traditional Medicare includes Part A (hospital coverage) and Part B (doc visits,lab work, other outpatient services) She will also want to look into a Medicare supplement insurance plan. Mine will be through AARP |
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Post by cindyupnorth on May 3, 2016 0:17:41 GMT
Most counties have some sort of assistance to help Srs with things like insurance. Call the local court house and ask for the government assistance dept. They will help you guys out.
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pridemom
Pearl Clutcher
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Post by pridemom on May 3, 2016 0:31:03 GMT
Medicaid is dependent upon income, assets, and in some states disability status if under 65. Contact your local state office for senior services. They can tell if she qualified in your state. If she does, when she's 65, the state might cover Medicare Supplement of the state's choosing. My state does because it saves Medicaid dollars.
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caro
Drama Llama
Refupea 1130
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Post by caro on May 3, 2016 0:33:52 GMT
Trying to get Medicaid for any age is difficult. You can have no assets at all or if there is a house involved, Medicaid will take the proceeds on the sale of the house after the person dies.
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gsquaredmom
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Jun 26, 2014 17:43:22 GMT
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Post by gsquaredmom on May 3, 2016 0:47:11 GMT
Trying to get Medicaid for any age is difficult. You can have no assets at all or if there is a house involved, Medicaid will take the proceeds on the sale of the house after the person dies. In some states, a person has to spend all assets including the house to get Medicaid. |
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scrapngranny
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Post by scrapngranny on May 3, 2016 1:03:34 GMT
When you sign her up for Medicare, not only do you need supplemental insurance you also need to sign up for Part D, for prescription coverage. If you don't sign up for Part D at the same time as Medicare, you will have to pay a penalty if and when you do sign up.
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Post by **GypsyGirl** on May 3, 2016 1:08:30 GMT
Trying to get Medicaid for any age is difficult. You can have no assets at all or if there is a house involved, Medicaid will take the proceeds on the sale of the house after the person dies. We were in the process of starting Medicaid application for mom just before she passed. We had no worries on the assets as she had none, and the house is one that DH and I own. What was going to be the sticking point for us was her life insurance policy. If the policy has any cash value, that counts against them as well. You can find that out by contacting the life insurance company her policy is with (provided she has one). |
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Deleted
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Post by Deleted on May 3, 2016 1:19:46 GMT
Is your mom already receiving Social Security? If so, she will be automatically enrolled in traditional Medicare. If she is not getting Social security, the Social Security Administration handles the enrollment. You can call 800 772-1213, visit the website www.ssa.gov or apply at a local office. Traditional Medicare includes Part A (hospital coverage) and Part B (doc visits,lab work, other outpatient services) She will also want to look into a Medicare supplement insurance plan. Mine will be through AARP Good advice, freeatlast!! I got Medicare when I applied for Social Security Disability at age 48. I opted for a comprehensive program vs. traditional medicare plan. It depends on which State you live in. Here in FL, Humana seems to be the best plan. You can compare them online or with an insurance agent. Have a list of your doctors and a list of your meds to see which one covers you best. freeatlast: AARP is usually United Healthcare Insurance, isn't it? Because they just backtracked and changed a lot. They were losing $$ with so many people enrolling, so now they're offering less coverage. Just do an in-depth comparison before you choose. You can change it ONE TIME and then after that you have to change it only during the change period. I'm pretty experienced by now concerning medicare and medicaid. OP: As far as medicaid goes, again, it depends on the State you live in. DH and I are both disabled and only have Social Security as an income. Here in FL, that's considered to be a little too much to qualify for medicaid!! I did fight it and we finally got on the "share of cost" program. It's a lot to go through to meet their demands, but if need be, we could be covered for medicaid in an emergency. Good luck! One more thing: Always fight, fight, fight with medicare or your insurance company because right now they're trying to nitpick every single thing! I had to get a surgeon who was not within my Humana plan. I went through the steps of finding an appropriate doctor (my primary, then Humana's eye doctor, then a 2nd opinion eye doctor, then their testing........... then their neurologist........), all to no avail! No one understood the scope of my issue. I finally found the doctor I needed and had to fight Humana to have him do my surgery. When you don't feel well, it's tough to fight, but I have it in me to be scrapy. Keep notes and keep on top of it! |
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Post by gmcwife1 on May 3, 2016 1:40:44 GMT
When you sign her up for Medicare, not only do you need supplemental insurance you also need to sign up for Part D, for prescription coverage. If you don't sign up for Part D at the same time as Medicare, you will have to pay a penalty if and when you do sign up. Yes, don't forget part D, for RX. My dad just spent the morning in the ER due to chest pain. One of the three meds he was perscribed is $375.00  |
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Deleted
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Sept 29, 2024 2:16:12 GMT
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Post by Deleted on May 3, 2016 1:47:46 GMT
Wow...it seems like there is quite a bit to this. I really appreciate all the feedback!!
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Post by kellybelly77 on May 3, 2016 2:44:05 GMT
look for a senior center or senior help at the city or county level. there are usually social workers or consultants who can help with the process. Look for a SHIP office in your area. Senior health insurance something or another! They will make appointments and sit down with folks and walk you through everything! They are lifesavers! |
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scrapaddie
Drama Llama
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Post by scrapaddie on May 3, 2016 2:45:53 GMT
Uggghhh. I have to have all this figured out by October 1
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Deleted
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Post by Deleted on May 3, 2016 2:48:49 GMT
Wow...it seems like there is quite a bit to this. I really appreciate all the feedback!! No worries!! The first time I went over it with Medicare people on the phone and they were extremely nice and helpful (this was in NY). I ended up choosing "original Medicare" for a while and then switched to a privatized company (like thru AARP...) for A/B/D. They'll walk you through it. Just have her pertinent info (doctors, meds, preferred hospital, etc...) and that's really all you'll need. |
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Deleted
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Post by Deleted on May 3, 2016 2:52:58 GMT
Trying to get Medicaid for any age is difficult. You can have no assets at all or if there is a house involved, Medicaid will take the proceeds on the sale of the house after the person dies. We were in the process of starting Medicaid application for mom just before she passed. We had no worries on the assets as she had none, and the house is one that DH and I own. What was going to be the sticking point for us was her life insurance policy. If the policy has any cash value, that counts against them as well. You can find that out by contacting the life insurance company her policy is with (provided she has one). GypsyGirl: I'm so sorry. My sympathies. We did the same thing for our Dad. He wound up passing away right when he got approved for Medicaid. But this is PRECISELY why the elderly need to create Trusts and do the estate work with an attorney. It's really important so that they don't lose everything with one trip to the hospital. |
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