“Medicare is the program that insures the same seniors who receive social security. Good luck cutting medicare, FRiend.”
OK, how about this... I retired and got retirement insurance with United Healthcare from the company I worked for. It was relativity inexpensive $200 a month for my spouse and I. It was the same policy I had at work.
Once I my spouse and I went on medicare, medicare became the primary insurer, and my retirement healthcare became secondary. That means that even though I still have my retirement insurance (and at the same price), medicare pays 80% and my personal insurance pays 90% of the 20% that medicare doesn’t cover.
I checked into this, and found that if your in a group of 50 or more, that’s the law. If your in a group under 50, your small group in the primary. So big companies get a break and the taxpayer picks it up...
This kind of crap can be changed and should be changed.
Yep, same thing happened with my parents. They had a primary insurance (american postal workers, and no they weren’t postal workers but were able to get into the insurance plan many years ago). They paid into it, premiums, etc. Once they qualified for Medicare, that was it...medicare became the primary insurance even though they had private insurance with American Postal Workers. My parents kept telling me about this but I didn’t realize it until I took over their care, including medical care. I learned it was the Law. Medicare, whether they wanted it or not, was their primary and their private insurance was their secondary.
Whenever they needed some kind of medical care, and I’d be told that medicare doesn’t cover it, I’d say well they have private insurance, bill them for heavens sakes. It took tons of paperwork, countless amount of time, until it went through. All because medicare becomes the primary insurance regardless of private insurance. My parents always said Medicare was a scam (as well as SS) and I learned it was.
Once I my spouse and I went on medicare, medicare became the primary insurer, and my retirement healthcare became secondary. That means that even though I still have my retirement insurance (and at the same price), medicare pays 80% and my personal insurance pays 90% of the 20% that medicare doesn’t cover.
I checked into this, and found that if your in a group of 50 or more, that’s the law. If your in a group under 50, your small group in the primary. So big companies get a break and the taxpayer picks it up...
This kind of crap can be changed and should be changed.
You are right. Don’t worry though... Obamacare will make it worse and if it is implemented your company will probably dump the insurance. $200 bucks is a very good deal.
The problems with healthcare could fill another thread.