 Can insurance cover laser resurfacing if it's causing me problems emotionally ? |
| I have pretty bad scars on my cheeks and forhead from acne in the past...It causes me to have alot of anxiety. I hate going out and meeting anyone new. I am soooo paranoid about my scars. I got my ... |
|
 I have a friend who does not have license ,and was in an accident? |
| she hit someone with just a scratch worth $750, however they came to an verbal agreement to take care of it without the law but that other person didnt hold up to thier end and reported a hit and run.... |
|
 Insurer denied benefits for preexisting condition...? |
| My wife (a teacher) recently started a new job and joined a group health plan. Before she started, she had health insurance continuously with her parents right up until the time she started as a ... |
|
 Did you know? |
| having sex damages your vision. i just want to know that if it's true?... |
|
 National Insurance Number before 16? |
| Is it possible to recieve before you are 16?... |
|
 Anyone know who HomeCare insurance LTD are?.......? |
| Ive been looking through my Direct Debits and there is a payment coming out by Homecare Insurance. I dont think its my insurance for my phone because I went to T-Mobile and there provider is Fonesafe.... |
|
 Is medical payments coverage needed in auto insurance? |
| How important is medical payments coverage auto insurance coverage. I currently have at as $10,000 coverage. Is this over kill? I have health insurance (HSA) that has a $5000 deductible per year, ... |
|
| How much do you pay for auto insurance? And with who? Everyone answer please! Thanks in advance :)? |
| I'm looking for a new policy. Currently, I'm with USAA and pay 220 Mo. I'm 20 and have a Honda 08...... |
|
 How much is homeowners insurance? |
| what does someone pay for homeowners insurance per year in just an average house. Please just give me numbers, or what you think it would be.... |
|
 Can I cancel my workers comp? |
| I need surgery for my knee. I injured it at work. I filed for workers comp to cover it, but I want it done as soon as possible, and I hear workers comp takes a long time to go through. Can I have ... |
|
 Insurance co of unsold house wants to know status, what do I tell them? |
| The insurance co of the old house caught wind of our situation by a mail forwarding issue. Up to this point they thought it was our primary residence, but we moved a while ago and have it rented. <... |
|
 Is the public house or anyone liable for the damage to my fence? |
| Vandals? set light to the pub's wheelie bins which were the other side of my fence, consequently my fence caught fire and there is considerable damage. My Buildings Insurance say this is '... |
|
 Is it legal for a step-parent to take a life insurance policy on a step-child? |
Can this be done without the actual mother or father being on it or the primary parent even knowing about it? And, if not what could happen to that person?
It was done without a SS#. And it is ... |
|
|  |
Maria Gentile | I'm 64 I will be 65 on November 02, 2007. Should I apply for Medicare supplemental health insurance now ? |
This whole Medicare supplemental insurance is so confusing. The companies try to make it that way I'm just not sure if there is a valid reason to apply now or to wait and save eleven months of premiums. Please help me the insurance companies don't even answer the phone. |
 |
 
Suzanne: YPA
 |
It's too soon for you to apply, since you need to be close to, or older than, age 65. When you do apply, send your application to the insurer you've selected at least 2 months before your 65th birthday. You can request an effective date on or near your birthday.
Here's a helpful guide published by CMS that explains Medicare Supplement policies; refer to pages 11, 29-31, 74 and 99:
http://www.medicare.gov/publications/pubs/pdf/10050.pdf |
|
railway
 |
You better check with medicare as I think you will have to be just about 66 before you can get medicare |
|
wanninonni
 |
I would wait until November, but it shouldn't stop you from doing your homework. AARP has some good secondary policies. Start a folder of all possible prospective policies and start listing good/bad etc of each and every one. Remember to find out which policies will cover skilled nursing (nursing home), acute rehab stays, etc. Most policies won't cover what Medicare won't. (i.e., skilled nursing for custodial care). It is very confusing but ask someone you trust to help out or talk to a friend or neighbor who has a supplemental policy to find out which companies offer good coverage. I agree with you that this is very confusing, as is our healthcare system, but don't even get me on my bandwagon about that!!!! I always say I'm going to run for public office to fix our healthcare system LOL -- it needs a MAJOR overhaul --- yet not one of the pols will touch it with a ten foot pole!!! |
|
belladonna
 |
Have you tried calling the Senior Linkage line? Do they have one in your area? Medicare is very expensive(should not be IMHO!). Do you have existing insurance now? If so, is it meeting your needs? If so..I would wait. There are so many Medicare plans to choose from...it is a nightmare to weed through all of them. Plus you have to choose a separate drug plan, i have seen those be anywhere from free to $75+. I am eligible for Medicare in November also, they told me that a few months before that date...they are going to send me info on the process. I live in Minnesota and the plans are different from state to state. You should also call your local and state Dept of Human Services to see if you are at an income level where they will help you pay your Medicare premiums. There are Federal and in some states, county programs that will help u pay your premiums. Some of the Medicare plans have the drug plan kind of bundled in. You could talk to your pharmacy about what drug plans are best to cover your prescription needs. Medicare, to me is a nightmare. Should not cost so much! Good Luck! |
|
Susan C
|
I sign people up every day for supplemental insurance. I can tell you what you need to know e-mail me and I'll give you my number. 3 months prior to turning 65, the month you turn 65, and 3 months after you turn 65 you are what is called "open enrollment". What this means is that no matter what your health is, an Insurance Co. must cover you. What you want is called a Plan F (in most states), or J in a few. Same coverage, just different letters depending on the state and co you choose.
I work for the leading co. in supplemental insurance for seniors on Medicare. This is what we do. All supplemental plans are regulated by Medicare so they are all the same coverage from company to company. The only thing that differs is the price, usually only a couple dollars a month higher or lower between companies. The other main difference is the level of customer service you get from your company. The company I work for believes in good old fashioned customer service, so if any of my clients get a bill that was not taken care of directly, I handle the paperwork to get it paid. If they have questions about Medicare, they call me not an 800# in Malaysia! My clients would never switch, oh ya and we pay the bills in a timely manner. No co-pays, deductibles or money out of your pocket as long as it is a Medicare approved treatment. (most doctor and hospital visits are).
Make sure your medicare card shows that you are enrolled in A & B effective November 1, 2007. I would sign up the 1st of October. It usually only takes about 2 weeks to get your policy and card from the insurance co., and then you are ready to go Nov 1, 2007. You can sign up for a supplement 6 months ahead of time, but your coverage doesn't begin and you don't pay for it until you are eligible for Medicare on Nov 1, 2007.
If you let me know what state you are in, I'll get the name of someone in that state to give you quotes, and help you understand everything prior to October. |
|
Digital Haruspex
 |
According to the Medicare website, you have to be 65 before you're eligible for coverage so it doesn't sound like you have to worry until November. That is unless you have a disability or have a specific kidney disease.
From the Medicare website:
Who is Eligible for Medicare?
Generally, you are eligible for Medicare if you or your spouse worked for at least 10 years in Medicare-covered employment and you are 65 years or older and a citizen or permanent resident of the United States. If you aren’t yet 65, you might also qualify for coverage if you have a disability or with End-Stage Renal disease (permanent kidney failure requiring dialysis or transplant). |
|
YDoncha_Blowme
|
Im really not sure - but I wanted to stop by and say happy early birthday! Ill be 36 on November 1st!!
Scorpios RULE!! |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
7 | 21 minutes(s) ago
| | | |
7 | 31 minutes(s) ago
| | | |
7 | 1 hour(s) ago
| | | |
7 | 4 hour(s) ago
| | | |
7 | 9 hour(s) ago
| | | |
7 | 2 day(s) ago
| | | |
7 | 4 day(s) ago
| | | |
7 | 1 week(s) ago
| | | |
7 | 2 week(s) ago
| | | |
5 | 1 month(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
