Mandy asks…
if we were to get rid of medicare like the GOP would like, would not companies with retiree insurance?
go bankrupt paying for all of the elderly retirees’ health care? Instead of supplementing medicare, they would have to be the primary insurer. Do you think they would just stop offering insurance to retirees?
Medicare Insurance AZ staff answers:
Of course!
Then we’d be back to where we were before Medicare. I remember my father almost going broke taking care of his aunt – a widow with no children. She had Alzheimers.
Maria asks…
medicare supplemental insurance?
What are good supplement insurance companies
Medicare Insurance AZ staff answers:
It depends on where you live, and what your specific needs are. It’s like jeans – you need to buy what fits YOU.
Chris asks…
Why does Social Security not allow disabled adult children to marry?
I am disabled and am considered an disabled adult child. I get medicare since I have been on disability for two years. Why can I marry who ever I want and keep my disabled adult status. the insurance companies will not sell me medicare supplement insurance since I am under 65 I am 32 years old.
Medicare Insurance AZ staff answers:
Both of those answers above are incorrect. SSDI has nothing to do with your spouses income. If you are on SSI, that is another story. You are pulling benefits from your parents (that’s why you are listed as a disabled adult child). That means you were probably disabled before the age of 21.
You cannot get supplemental insurance because they do not sell it to under 55 years old. I know it sucks but that’s the law. Try applying to Medicaid. There are medicaid programs for disabled people on Medicare that act just like a supplement policy but don’t cost you anything.
Ken asks…
Need to know if there is a Medicare Supplement that pays the 20% for someone who is disabled and 45 years old?
I need to know if there is a good Insurance company that will cover me, because of my age ( 45 ) I cannot find anyone that will cover me…I do not qualify for medicaid because I worked since I was 22 years old… I need a plan that will pay the 20% medicare don’t. Any information will be appreciated.. or if anyone knows what I can do…. Thanks
Medicare Insurance AZ staff answers:
None of the supplement policies that I know of will cover anyone under 65. You can get coverage with a Medicare Advantage plan. These plans have premiums lower than the supplements but you do have co-pays. The premiums average around $35 and many are $0. Most plans also include the Part D prescription drug coverage or you can get a stand alone Part D plan. Visit a local independent agent that deals with senior policies to find the best plan for you.
Mark asks…
Has anyone ever heard of an insurance company called Providence American?
I’m a senior looking for a medigap policy (j) and trying not to get conned.
I got a rate quote for plan j medigap policy from http://www.medigap360.com , the gentleman I spoke with found a policy offered by a company called Providence American. The rate was a low $116.36. This is east Texas, and I am in good health at 66.
I am not able to find a company called Providence American on google, but that is because when I type in that phrase even with words like medicare supplement insurance, I get a large amount of pages to wade through. It gives me a headache to read for too long on the computer.
Medicare Insurance AZ staff answers:
Call your state’s insurance commissioner’s office and ask whether this company is licensed to issue Med Sup policies there. If they’re licensed, then they’re a reputable company.
The TX Department of Insurance’s Consumer Helpline can be reached by calling: 1(800)252-3439; in Austin, the number is 463-6515.
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