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Medicare and Supplemental Ins/OG
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| Hawki63 2004-08-20, 7:21 pm |
| >Subject: Re: Today's outcome - Merle Bloom
>From: "old goat" oldgoatmailatyahoodotcom@ERdocs.suk
>Also when it comes to Medicare, the usual "part A" is pretty worthless when
>you start getting in to real serious medical expenses. If you haven't yet,
>think about applying for the "part B" supplemental coverage. My aunt ended
>up in a nursing home the last year of her life and the only way to pay for
>the nursing home was to have the supplemental coverage. She didn't
just some caveats here OG...
and have the Medicare booklets in front of me...as sweet baboo turns 65 in
Dec!!
Most of us probably fail to remember that when Medicare was started
...1965...health care costs were ...uh..somewhat "lower"...and me thinks our
gov't THOUGHT this plan would be sufficient...
HAHHHHH
Anyhoo...
Worst part..I think..is that Medicare is proably the most confusing mismash of
information....I consider myself a pretty bright,,and "highly trained medical
trained professional"..and looking at this stuff gives me an instant
headache,,,stress,,anxiety..whatever...
I can only imagine how the average 85 year old manages..or mismanages...
Firstly..and again..I have the info in front of me..am not trying to be a smart
XXX...and without the written word,,,I probably would be as confused as the
rest..
Part A "helps pay for medically necessary INPATIENT care in a hospital or
skilled nursing facilty....BUT...and this is a big BUT..."it is important to
know that it only pays PART of these medical expenses"..
then there is this chart that lists incredibly
confusing...deductibles,,,coinsurances,,,and my favorite word "pays NOTHING"
just a clue...beyond 150 days in a hospital...Medicare pays NOTHING,,,,days 91
to 150 in a hospital YOU pay $420 a DAY coinsurance...you get the picture
as for "skilled nursing facility"...first TWENTY days ..Medicare pays
ALL...wowie...days 21 to 100...YOU pay $105 PER DAY....beyond 100
days...Medicare pays NADA..
NOT to mention ...skilled nursing facility and nursing home are NOT the same
thing...get the picture??? Medicare does not pay for long term care in nursing
home...ONLY short term care AFTER you are discarged from acute care
hospital...and then only for 20 days..then gradually your share goes up..by day
100...you are paying it all...
oh..it gets better
Part B medicare is NOT supplemental insurance (no..that is another
expense)..."medicare part B is designed to HELP cover PART of your OUTPATIENT
hospital charges..ie doc fees,,labs,,xray,,therapists,,ambulance,,blood...
again...there are deductibles,,coinsurances..
notice...NO med coverage with either part A or Part B!!!
the GOOD news is that Medicare is relatively inexpensive..about $60 a month is
deducted from one's SS check
NOW....enter the spectre of "supplemental insurance"....which is NOT
adminstrated by Medicare...but is sorta regulated by them...
our broker sent me a huge packet...Medicare has set up 9 plans or levels of
supplemental,,,A thru J.....ALL insurance companies that offer supplemental to
seniors on Medicare HAVE to stick to the general guidelines of each
level.....each level provides more and more "supplement"..ie covers parts of
what Medicare does not..ie maybe picks up the deductibles..the copays..etc...
only TWO levels...I and J offer med benefits..and get this...the dollar amounts
are limited...very limited..first by pretty big "deductibles" per year..then by
"total allowables" per year
an example..for my husband..if we selected J with Blue Cross...for $299 a
month....we would pay "after a combined $250 yearly prescription drug
deductible,,50% of a discounted rate for EACH script (mail order)...combined
yearly maximum of $3000"
do the math...
now...the BENEFITS of having such a supplement...rather than relying on
Medicare A and B are obvious..most of the deductibles and copays are picked
up...
choice of provider are greater
one can also "sign over their Medicare to an HMO".....not a good plan..as many
HMO's have stopped accepting Medicare patients..as their drug needs alone
outweigh what Medicare reimburses the HMO...
this is a crime...
as for nursing home care....badder news folks....unless one is pretty much
destitute..in which case the Medicaid system will pay...or has a long term
care insurance policy (which hopefully you bought when you were 30!!)...it is
likely that nursing home costs will be yours..
at the moment...my sister's family has a 95 year MIL eating up $8300 a MONTH in
a nursing home...and her 68 year old son $10,000 a month ...both with
dementia...my own MIL at 92 this winter spent 3 months at a skilled nursing
facility..after Medicare ran out...her costs ran $5100 a month!!
just a few numbers to depress you..
bottom line....Medicare does NOT pay for nursing home costs long term for
anyone..
Medicare does NOT have supplemental...that you have to buy thru a private
carrier..
Do sign up for both Mediare A and B...the supplementals build on that
coverage,,do not substitute for it...
hawki.....
| |
| old goat 2004-08-20, 7:21 pm |
| Dear Hawki,
Thanks for clearing that up?? I only hope it will be a bit more simplified
when the time comes that I find it needed, or maybe with a bit of luck, I
just plain old won't make it that far. What can you expect from the same
guys that write the tax codes and all the IRS mumbo-jumbo. Odds are the
coffers will be empty soon anyhow making it a moot point. What a confusing
mess!
On a happier note, it's good to hear from you. It's been a while. I hope
all is well with you and yours, Keep in touch.
Missed you --og
Hawki63 <hawki63@aol.com> wrote in article
<20040820124249.05745.00003272@mb-m14.aol.com>...
>
when[vbcol=seagreen]
>
yet,[vbcol=seagreen]
ended[vbcol=seagreen]
for[vbcol=seagreen]
>
> just some caveats here OG...
>
> and have the Medicare booklets in front of me...as sweet baboo turns 65
in
> Dec!!
>
> Most of us probably fail to remember that when Medicare was started
> ..1965...health care costs were ...uh..somewhat "lower"...and me thinks
our
> gov't THOUGHT this plan would be sufficient...
>
> HAHHHHH
>
> Anyhoo...
>
> Worst part..I think..is that Medicare is proably the most confusing
mismash of
> information....I consider myself a pretty bright,,and "highly trained
medical
> trained professional"..and looking at this stuff gives me an instant
> headache,,,stress,,anxiety..whatever...
>
> I can only imagine how the average 85 year old manages..or mismanages...
>
> Firstly..and again..I have the info in front of me..am not trying to be a
smart
> XXX...and without the written word,,,I probably would be as confused as
the
> rest..
>
> Part A "helps pay for medically necessary INPATIENT care in a hospital or
> skilled nursing facilty....BUT...and this is a big BUT..."it is important
to
> know that it only pays PART of these medical expenses"..
> then there is this chart that lists incredibly
> confusing...deductibles,,,coinsurances,,,and my favorite word "pays
NOTHING"
> just a clue...beyond 150 days in a hospital...Medicare pays
NOTHING,,,,days 91
> to 150 in a hospital YOU pay $420 a DAY coinsurance...you get the picture
> as for "skilled nursing facility"...first TWENTY days ..Medicare pays
> ALL...wowie...days 21 to 100...YOU pay $105 PER DAY....beyond 100
> days...Medicare pays NADA..
>
> NOT to mention ...skilled nursing facility and nursing home are NOT the
same
> thing...get the picture??? Medicare does not pay for long term care in
nursing
> home...ONLY short term care AFTER you are discarged from acute care
> hospital...and then only for 20 days..then gradually your share goes
up..by day
> 100...you are paying it all...
>
> oh..it gets better
>
> Part B medicare is NOT supplemental insurance (no..that is another
> expense)..."medicare part B is designed to HELP cover PART of your
OUTPATIENT
> hospital charges..ie doc
fees,,labs,,xray,,therapists,,ambulance,,blood...
>
> again...there are deductibles,,coinsurances..
>
> notice...NO med coverage with either part A or Part B!!!
>
> the GOOD news is that Medicare is relatively inexpensive..about $60 a
month is
> deducted from one's SS check
>
> NOW....enter the spectre of "supplemental insurance"....which is NOT
> adminstrated by Medicare...but is sorta regulated by them...
>
> our broker sent me a huge packet...Medicare has set up 9 plans or levels
of
> supplemental,,,A thru J.....ALL insurance companies that offer
supplemental to
> seniors on Medicare HAVE to stick to the general guidelines of each
> level.....each level provides more and more "supplement"..ie covers parts
of
> what Medicare does not..ie maybe picks up the deductibles..the
copays..etc...
>
> only TWO levels...I and J offer med benefits..and get this...the dollar
amounts
> are limited...very limited..first by pretty big "deductibles" per
year..then by
> "total allowables" per year
>
> an example..for my husband..if we selected J with Blue Cross...for $299 a
> month....we would pay "after a combined $250 yearly prescription drug
> deductible,,50% of a discounted rate for EACH script (mail
order)...combined
> yearly maximum of $3000"
>
> do the math...
>
> now...the BENEFITS of having such a supplement...rather than relying on
> Medicare A and B are obvious..most of the deductibles and copays are
picked
> up...
>
> choice of provider are greater
>
> one can also "sign over their Medicare to an HMO".....not a good plan..as
many
> HMO's have stopped accepting Medicare patients..as their drug needs alone
> outweigh what Medicare reimburses the HMO...
>
> this is a crime...
>
> as for nursing home care....badder news folks....unless one is pretty
much
> destitute..in which case the Medicaid system will pay...or has a long
term
> care insurance policy (which hopefully you bought when you were
30!!)...it is
> likely that nursing home costs will be yours..
>
> at the moment...my sister's family has a 95 year MIL eating up $8300 a
MONTH in
> a nursing home...and her 68 year old son $10,000 a month ...both with
> dementia...my own MIL at 92 this winter spent 3 months at a skilled
nursing
> facility..after Medicare ran out...her costs ran $5100 a month!!
>
> just a few numbers to depress you..
>
> bottom line....Medicare does NOT pay for nursing home costs long term for
> anyone..
>
> Medicare does NOT have supplemental...that you have to buy thru a private
> carrier..
>
> Do sign up for both Mediare A and B...the supplementals build on that
> coverage,,do not substitute for it...
>
>
> hawki.....
>
>
>
| |
| Jon Miller 2004-08-20, 7:21 pm |
| "old goat" <oldgoatmailatyahoodotcom@ERdocs.suk> wrote in message
news:01c486d8$99c99780$67ac588a@barbados...
> Dear Hawki,
>
> Thanks for clearing that up?? I only hope it will be a bit more simplified
> when the time comes that I find it needed, or maybe with a bit of luck, I
> just plain old won't make it that far. What can you expect from the same
> guys that write the tax codes and all the IRS mumbo-jumbo. Odds are the
> coffers will be empty soon anyhow making it a moot point. What a
confusing
> mess!
Supplemental is simpler for me -- ooh, ain't got it, not covered.
I keep falling through the cracks (there's a limited open enrollment period
and I'm not sure and besides, drug coverage is limited and that's what I
need and I don't know what the disability rules are [I'm only 46] and we
don't even have Medicaid in Tennessee). I don't know the rules (and I
really should -- as I discovered when I ran out of Neurontin in Norway:
travel health insurance would have been a real good idea).
Jon Miller
| |
| Paul T. Holland 2004-08-20, 7:21 pm |
| jon - don't know if you really meant that tenn. didn't have medicaid,
but if that is what you thought, it is incorrect.
here is the info:
http://www.cms.hhs.gov/medicaid/state.asp?state=TN
be well
paul
Jon Miller wrote:
> "old goat" <oldgoatmailatyahoodotcom@ERdocs.suk> wrote in message
> news:01c486d8$99c99780$67ac588a@barbados...
> confusing
>
> Supplemental is simpler for me -- ooh, ain't got it, not covered.
>
> I keep falling through the cracks (there's a limited open enrollment period
> and I'm not sure and besides, drug coverage is limited and that's what I
> need and I don't know what the disability rules are [I'm only 46] and we
> don't even have Medicaid in Tennessee). I don't know the rules (and I
> really should -- as I discovered when I ran out of Neurontin in Norway:
> travel health insurance would have been a real good idea).
>
> Jon Miller
| |
| ZombyWoof 2004-08-20, 7:22 pm |
| On 20 Aug 2004 16:42:49 GMT, hawki63@aol.com (Hawki63) wrote:
<snip>
>
>at the moment...my sister's family has a 95 year MIL eating up $8300 a MONTH in
>a nursing home...and her 68 year old son $10,000 a month ...both with
>dementia...my own MIL at 92 this winter spent 3 months at a skilled nursing
>facility..after Medicare ran out...her costs ran $5100 a month!!
>
And people wonder why the highest suicide bracket is males over 85.
I'd pop a cap in my XXX too at those prices. No wonder children
aren't stepping up to the plate to care for their parents as well. I
am glad I will never have to deal with that mess.
| |
| Hawki63 2004-08-20, 7:22 pm |
| >Subject: Re: Medicare and Supplemental Ins/OG
>From: ZombyWoof Nobody@nomail.com
>Date: 8/20/2004 1:25 PM Pacific Daylight Time
>Message-id: <7enci01s691lmjmg0r74v16c1110u5n25f@4ax.com>
>And people wonder why the highest suicide bracket is males over 85.
>I'd pop a cap in my XXX too at those prices. No wonder children
>aren't stepping up to the plate to care for their parents as well. I
>am glad I will never have to deal with that mess.
>
agreed ZW
unfortunately...or maybe not so...by the time "one" is 85 and need of such high
priced care..."one" usually is in no shape..physically or mentally to do
oneself in...
it is a crying shame
those of us who "can" sorta have to put away "in case"...which sorta ticks me
off..at ages 60 and 65 I don't think I for one in this duo forsaw my "golden
years" worrying about healthcare premiums and where and how either of us can or
will be able to afford decent "care" if dementia sets in..is this why one works
all one's working years??
somehow the alternative...relying on the gov't..medicaid..etc to provide such
care...is not an option I care to consider...tho my stepkids might love it if
we gave them all our assets!!! heh?? until they got the tax bill that is!!!
hawki.....
| |
| ZombyWoof 2004-08-20, 7:22 pm |
| On 20 Aug 2004 21:23:21 GMT, hawki63@aol.com (Hawki63) wrote something
wonderfully witty:
>
>
>
>agreed ZW
>
>unfortunately...or maybe not so...by the time "one" is 85 and need of such high
>priced care..."one" usually is in no shape..physically or mentally to do
>oneself in...
>
>it is a crying shame
>
>those of us who "can" sorta have to put away "in case"...which sorta ticks me
>off..at ages 60 and 65 I don't think I for one in this duo forsaw my "golden
>years" worrying about healthcare premiums and where and how either of us can or
>will be able to afford decent "care" if dementia sets in..is this why one works
>all one's working years??
>
>somehow the alternative...relying on the gov't..medicaid..etc to provide such
>care...is not an option I care to consider...tho my stepkids might love it if
>we gave them all our assets!!! heh?? until they got the tax bill that is!!!
>
>
>hawki.....
>
This is why I am going to write myself a note. Just in case I forget.
Here lately I've been wondering if I am even going to make it to my
Golden Years. I still haven't had a Dr give me a reason as to why I
ended up in the hospital at the end of June. All they seem to do
anymore is treat the symptoms. I have no idea what is wrong with me,
nor do I think they do either. All I get are shrugs. Great answer.
--
You can run, but you'll only die tired.
ZombyWoof
| |
| Puddin' Man 2004-08-21, 11:21 am |
| On Fri, 20 Aug 2004 16:25:42 -0400, ZombyWoof <Nobody@nomail.com>
wrote:
>And people wonder why the highest suicide bracket is males over 85.
>I'd pop a cap in my XXX too
'Scuse me for barging in ...
"Wrong Anatomical Location!"
'Scuse me again for Insane, Insane, Black Humor ...
Would you believe that:
"I put out a pre-paid contract on myself years ago. The
primary contractor sneaks around and observes me twice
a year. As soon as he sees me drooling, doddering, etc
he passes the command to a sub-contractor, who has
instructions to put three 7 mm magnum slugs at
central locations in my skull. Each at 90 degree angles
to the other 2.
So goes my Dementia Contingency Plan" <tg>
Skoal,
Puddin'
| |
| ZombyWoof 2004-08-21, 7:40 pm |
| On Sat, 21 Aug 2004 15:15:22 GMT, Pudding_Man@mail.com (Puddin' Man)
wrote something wonderfully witty:
>On Fri, 20 Aug 2004 16:25:42 -0400, ZombyWoof <Nobody@nomail.com>
>wrote:
>
>
>'Scuse me for barging in ...
>
>"Wrong Anatomical Location!"
>
>'Scuse me again for Insane, Insane, Black Humor ...
>
>Would you believe that:
>
>"I put out a pre-paid contract on myself years ago. The
> primary contractor sneaks around and observes me twice
> a year. As soon as he sees me drooling, doddering, etc
> he passes the command to a sub-contractor, who has
> instructions to put three 7 mm magnum slugs at
> central locations in my skull. Each at 90 degree angles
> to the other 2.
>
> So goes my Dementia Contingency Plan" <tg>
>
> Skoal,
> Puddin'
>
Sounds viable to me.
--
You can run, but you'll only die tired.
ZombyWoof
| |
| Puddin' Man 2004-08-25, 11:59 am |
| On Fri, 20 Aug 2004 16:25:42 -0400, ZombyWoof <Nobody@nomail.com>
wrote:
>And people wonder why the highest suicide bracket is males over 85.
>I'd pop a cap in my XXX too
'Scuse me for barging in ...
"Wrong Anatomical Location!"
'Scuse me again for Insane, Insane, Black Humor ...
Would you believe that:
"I put out a pre-paid contract on myself years ago. The
primary contractor sneaks around and observes me twice
a year. As soon as he sees me drooling, doddering, etc
he passes the command to a sub-contractor, who has
instructions to put three 7 mm magnum slugs at
central locations in my skull. Each at 90 degree angles
to the other 2.
So goes my Dementia Contingency Plan" <tg>
Skoal,
Puddin'
| |
| Paul T. Holland 2004-08-25, 11:59 am |
| jon - don't know if you really meant that tenn. didn't have medicaid,
but if that is what you thought, it is incorrect.
here is the info:
http://www.cms.hhs.gov/medicaid/state.asp?state=TN
be well
paul
Jon Miller wrote:
> "old goat" <oldgoatmailatyahoodotcom@ERdocs.suk> wrote in message
> news:01c486d8$99c99780$67ac588a@barbados...
> confusing
>
> Supplemental is simpler for me -- ooh, ain't got it, not covered.
>
> I keep falling through the cracks (there's a limited open enrollment period
> and I'm not sure and besides, drug coverage is limited and that's what I
> need and I don't know what the disability rules are [I'm only 46] and we
> don't even have Medicaid in Tennessee). I don't know the rules (and I
> really should -- as I discovered when I ran out of Neurontin in Norway:
> travel health insurance would have been a real good idea).
>
> Jon Miller
| |
| ZombyWoof 2004-08-25, 12:00 pm |
| On 20 Aug 2004 16:42:49 GMT, hawki63@aol.com (Hawki63) wrote:
<snip>
>
>at the moment...my sister's family has a 95 year MIL eating up $8300 a MONTH in
>a nursing home...and her 68 year old son $10,000 a month ...both with
>dementia...my own MIL at 92 this winter spent 3 months at a skilled nursing
>facility..after Medicare ran out...her costs ran $5100 a month!!
>
And people wonder why the highest suicide bracket is males over 85.
I'd pop a cap in my XXX too at those prices. No wonder children
aren't stepping up to the plate to care for their parents as well. I
am glad I will never have to deal with that mess.
| |
| Jon Miller 2004-08-25, 12:00 pm |
| "old goat" <oldgoatmailatyahoodotcom@ERdocs.suk> wrote in message
news:01c486d8$99c99780$67ac588a@barbados...
> Dear Hawki,
>
> Thanks for clearing that up?? I only hope it will be a bit more simplified
> when the time comes that I find it needed, or maybe with a bit of luck, I
> just plain old won't make it that far. What can you expect from the same
> guys that write the tax codes and all the IRS mumbo-jumbo. Odds are the
> coffers will be empty soon anyhow making it a moot point. What a
confusing
> mess!
Supplemental is simpler for me -- ooh, ain't got it, not covered.
I keep falling through the cracks (there's a limited open enrollment period
and I'm not sure and besides, drug coverage is limited and that's what I
need and I don't know what the disability rules are [I'm only 46] and we
don't even have Medicaid in Tennessee). I don't know the rules (and I
really should -- as I discovered when I ran out of Neurontin in Norway:
travel health insurance would have been a real good idea).
Jon Miller
| |
| old goat 2004-08-25, 12:00 pm |
| Dear Hawki,
Thanks for clearing that up?? I only hope it will be a bit more simplified
when the time comes that I find it needed, or maybe with a bit of luck, I
just plain old won't make it that far. What can you expect from the same
guys that write the tax codes and all the IRS mumbo-jumbo. Odds are the
coffers will be empty soon anyhow making it a moot point. What a confusing
mess!
On a happier note, it's good to hear from you. It's been a while. I hope
all is well with you and yours, Keep in touch.
Missed you --og
Hawki63 <hawki63@aol.com> wrote in article
<20040820124249.05745.00003272@mb-m14.aol.com>...
>
when[vbcol=seagreen]
>
yet,[vbcol=seagreen]
ended[vbcol=seagreen]
for[vbcol=seagreen]
>
> just some caveats here OG...
>
> and have the Medicare booklets in front of me...as sweet baboo turns 65
in
> Dec!!
>
> Most of us probably fail to remember that when Medicare was started
> ..1965...health care costs were ...uh..somewhat "lower"...and me thinks
our
> gov't THOUGHT this plan would be sufficient...
>
> HAHHHHH
>
> Anyhoo...
>
> Worst part..I think..is that Medicare is proably the most confusing
mismash of
> information....I consider myself a pretty bright,,and "highly trained
medical
> trained professional"..and looking at this stuff gives me an instant
> headache,,,stress,,anxiety..whatever...
>
> I can only imagine how the average 85 year old manages..or mismanages...
>
> Firstly..and again..I have the info in front of me..am not trying to be a
smart
> XXX...and without the written word,,,I probably would be as confused as
the
> rest..
>
> Part A "helps pay for medically necessary INPATIENT care in a hospital or
> skilled nursing facilty....BUT...and this is a big BUT..."it is important
to
> know that it only pays PART of these medical expenses"..
> then there is this chart that lists incredibly
> confusing...deductibles,,,coinsurances,,,and my favorite word "pays
NOTHING"
> just a clue...beyond 150 days in a hospital...Medicare pays
NOTHING,,,,days 91
> to 150 in a hospital YOU pay $420 a DAY coinsurance...you get the picture
> as for "skilled nursing facility"...first TWENTY days ..Medicare pays
> ALL...wowie...days 21 to 100...YOU pay $105 PER DAY....beyond 100
> days...Medicare pays NADA..
>
> NOT to mention ...skilled nursing facility and nursing home are NOT the
same
> thing...get the picture??? Medicare does not pay for long term care in
nursing
> home...ONLY short term care AFTER you are discarged from acute care
> hospital...and then only for 20 days..then gradually your share goes
up..by day
> 100...you are paying it all...
>
> oh..it gets better
>
> Part B medicare is NOT supplemental insurance (no..that is another
> expense)..."medicare part B is designed to HELP cover PART of your
OUTPATIENT
> hospital charges..ie doc
fees,,labs,,xray,,therapists,,ambulance,,blood...
>
> again...there are deductibles,,coinsurances..
>
> notice...NO med coverage with either part A or Part B!!!
>
> the GOOD news is that Medicare is relatively inexpensive..about $60 a
month is
> deducted from one's SS check
>
> NOW....enter the spectre of "supplemental insurance"....which is NOT
> adminstrated by Medicare...but is sorta regulated by them...
>
> our broker sent me a huge packet...Medicare has set up 9 plans or levels
of
> supplemental,,,A thru J.....ALL insurance companies that offer
supplemental to
> seniors on Medicare HAVE to stick to the general guidelines of each
> level.....each level provides more and more "supplement"..ie covers parts
of
> what Medicare does not..ie maybe picks up the deductibles..the
copays..etc...
>
> only TWO levels...I and J offer med benefits..and get this...the dollar
amounts
> are limited...very limited..first by pretty big "deductibles" per
year..then by
> "total allowables" per year
>
> an example..for my husband..if we selected J with Blue Cross...for $299 a
> month....we would pay "after a combined $250 yearly prescription drug
> deductible,,50% of a discounted rate for EACH script (mail
order)...combined
> yearly maximum of $3000"
>
> do the math...
>
> now...the BENEFITS of having such a supplement...rather than relying on
> Medicare A and B are obvious..most of the deductibles and copays are
picked
> up...
>
> choice of provider are greater
>
> one can also "sign over their Medicare to an HMO".....not a good plan..as
many
> HMO's have stopped accepting Medicare patients..as their drug needs alone
> outweigh what Medicare reimburses the HMO...
>
> this is a crime...
>
> as for nursing home care....badder news folks....unless one is pretty
much
> destitute..in which case the Medicaid system will pay...or has a long
term
> care insurance policy (which hopefully you bought when you were
30!!)...it is
> likely that nursing home costs will be yours..
>
> at the moment...my sister's family has a 95 year MIL eating up $8300 a
MONTH in
> a nursing home...and her 68 year old son $10,000 a month ...both with
> dementia...my own MIL at 92 this winter spent 3 months at a skilled
nursing
> facility..after Medicare ran out...her costs ran $5100 a month!!
>
> just a few numbers to depress you..
>
> bottom line....Medicare does NOT pay for nursing home costs long term for
> anyone..
>
> Medicare does NOT have supplemental...that you have to buy thru a private
> carrier..
>
> Do sign up for both Mediare A and B...the supplementals build on that
> coverage,,do not substitute for it...
>
>
> hawki.....
>
>
>
| |
| Hawki63 2004-08-27, 7:07 am |
| >Subject: Re: Medicare and Supplemental Ins/OG
>From: ZombyWoof Nobody@nomail.com
>Date: 8/20/2004 1:25 PM Pacific Daylight Time
>Message-id: <7enci01s691lmjmg0r74v16c1110u5n25f@4ax.com>
>And people wonder why the highest suicide bracket is males over 85.
>I'd pop a cap in my XXX too at those prices. No wonder children
>aren't stepping up to the plate to care for their parents as well. I
>am glad I will never have to deal with that mess.
>
agreed ZW
unfortunately...or maybe not so...by the time "one" is 85 and need of such high
priced care..."one" usually is in no shape..physically or mentally to do
oneself in...
it is a crying shame
those of us who "can" sorta have to put away "in case"...which sorta ticks me
off..at ages 60 and 65 I don't think I for one in this duo forsaw my "golden
years" worrying about healthcare premiums and where and how either of us can or
will be able to afford decent "care" if dementia sets in..is this why one works
all one's working years??
somehow the alternative...relying on the gov't..medicaid..etc to provide such
care...is not an option I care to consider...tho my stepkids might love it if
we gave them all our assets!!! heh?? until they got the tax bill that is!!!
hawki.....
| |
| ZombyWoof 2004-08-27, 11:10 am |
| On 20 Aug 2004 21:23:21 GMT, hawki63@aol.com (Hawki63) wrote something
wonderfully witty:
>
>
>
>agreed ZW
>
>unfortunately...or maybe not so...by the time "one" is 85 and need of such high
>priced care..."one" usually is in no shape..physically or mentally to do
>oneself in...
>
>it is a crying shame
>
>those of us who "can" sorta have to put away "in case"...which sorta ticks me
>off..at ages 60 and 65 I don't think I for one in this duo forsaw my "golden
>years" worrying about healthcare premiums and where and how either of us can or
>will be able to afford decent "care" if dementia sets in..is this why one works
>all one's working years??
>
>somehow the alternative...relying on the gov't..medicaid..etc to provide such
>care...is not an option I care to consider...tho my stepkids might love it if
>we gave them all our assets!!! heh?? until they got the tax bill that is!!!
>
>
>hawki.....
>
This is why I am going to write myself a note. Just in case I forget.
Here lately I've been wondering if I am even going to make it to my
Golden Years. I still haven't had a Dr give me a reason as to why I
ended up in the hospital at the end of June. All they seem to do
anymore is treat the symptoms. I have no idea what is wrong with me,
nor do I think they do either. All I get are shrugs. Great answer.
--
You can run, but you'll only die tired.
ZombyWoof
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