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From: Kurt Ullman on 5 Apr 2010 08:29 In article <hpbeja$qtc$1(a)news.eternal-september.org>, John McWilliams <jpmcw(a)comcast.net> wrote: > Kurt Ullman wrote: > > In article <040420101838493424%star(a)sky.net>, Davoud <star(a)sky.net> > > wrote: > > > >> G. > >> > >>> Medicare, > >> Yes! > >> > > Bankrupt, you have to get expensive supplemental insurance to cover > > the holes. Whats not to like. > > What holes? I'm not challenging, as I am sure there're things uncovered, > but honestly wondering if I should be concerned for myself. From the Medicare website: A Medigap policy is health insurance sold by private insurance companies to fill the �gaps� in Original Medicare Plan coverage. Medigap policies help pay some of the health care costs that the Original Medicare Plan doesn�t cover. If you are in the Original Medicare Plan and have a Medigap policy, then Medicare and your Medigap policy will pay both their shares of covered health care costs. The URL is http://www.medicare.gov/medigap/Default.asp if you are interested in the details. -- I get off on '57 Chevys I get off on screamin' guitars --Eric Clapton
From: John McWilliams on 5 Apr 2010 11:27 Kurt Ullman wrote: > In article <hpbeja$qtc$1(a)news.eternal-september.org>, > John McWilliams <jpmcw(a)comcast.net> wrote: > >> Kurt Ullman wrote: >>> In article <040420101838493424%star(a)sky.net>, Davoud <star(a)sky.net> >>> wrote: >>> >>>> G. >>>> >>>>> Medicare, >>>> Yes! >>>> >>> Bankrupt, you have to get expensive supplemental insurance to cover >>> the holes. Whats not to like. >> What holes? I'm not challenging, as I am sure there're things uncovered, >> but honestly wondering if I should be concerned for myself. > > From the Medicare website: > A Medigap policy is health insurance sold by private insurance companies > to fill the ³gaps² in Original Medicare Plan coverage. Medigap policies > help pay some of the health care costs that the Original Medicare Plan > doesn¹t cover. If you are in the Original Medicare Plan and have a > Medigap policy, then Medicare and your Medigap policy will pay both > their shares of covered health care costs. > The URL is http://www.medicare.gov/medigap/Default.asp > if you are interested in the details. Thanks, Kurt, but I was hoping for a three or four point list of major things likely to happen to a 65 year old man that aren't covered. I have parts A and B, and when I looked there were some 'gap' plans that I could get for no additional premium, but nothing seemed compelling. Surely there must be some advisors somewhere that aren't selling their own products.... -- john mcwilliams
From: Kurt Ullman on 5 Apr 2010 12:25 In article <hpcvgr$b69$1(a)news.eternal-september.org>, John McWilliams <jpmcw(a)comcast.net> wrote: > Kurt Ullman wrote: > > In article <hpbeja$qtc$1(a)news.eternal-september.org>, > > John McWilliams <jpmcw(a)comcast.net> wrote: > > > >> Kurt Ullman wrote: > >>> In article <040420101838493424%star(a)sky.net>, Davoud <star(a)sky.net> > >>> wrote: > >>> > >>>> G. > >>>> > >>>>> Medicare, > >>>> Yes! > >>>> > >>> Bankrupt, you have to get expensive supplemental insurance to cover > >>> the holes. Whats not to like. > >> What holes? I'm not challenging, as I am sure there're things uncovered, > >> but honestly wondering if I should be concerned for myself. > > > > From the Medicare website: > > A Medigap policy is health insurance sold by private insurance companies > > to fill the �gaps� in Original Medicare Plan coverage. Medigap policies > > help pay some of the health care costs that the Original Medicare Plan > > doesn�t cover. If you are in the Original Medicare Plan and have a > > Medigap policy, then Medicare and your Medigap policy will pay both > > their shares of covered health care costs. > > The URL is http://www.medicare.gov/medigap/Default.asp > > if you are interested in the details. > > Thanks, Kurt, but I was hoping for a three or four point list of major > things likely to happen to a 65 year old man that aren't covered. I have > parts A and B, and when I looked there were some 'gap' plans that I > could get for no additional premium, but nothing seemed compelling. > Surely there must be some advisors somewhere that aren't selling their > own products.... The big ones are the deductibles and co-pays. Part A (docs) there is a $155 deductible and there are somethings MCare doesn't cover or if the doc doesn't take assignment, they can bill you for the difference up to a certain amount. Part B (hospital side) has a 20% copay in addition to a deductible on pretty much everything, you may be liable for some types of facilities charges (especially for outpatient surgery facilities). Medicare works with the local insurance commissioners in all 50 states through the State Health Insurance Assistance Program (for reasons known only Medicare it is abbreviated SHIP). to talk to MCare recipients. They give you some pointers on what to look for, they probably fit the "advisor's not selling parameter you mentioned". The website with the local phone numbers is screwed up, but 1-800-Medicare should be able to point you. You might also look on the website of your state Insurance Department or the local Council on Aging or whatever it is called. http://www.medicare.gov/Publications/Pubs/pdf/02110.pdf -- I get off on '57 Chevys I get off on screamin' guitars --Eric Clapton
From: Jim Gibson on 5 Apr 2010 13:06 In article <040420102036427818%star(a)sky.net>, Davoud <star(a)sky.net> wrote: > Jim Gibson wrote: > > > I think you are forgetting the First Amendment to the U. S. > > Constitution: > > > "Congress shall make no law respecting an establishment of religion." > > > Easter is a religious observance. As such, there can be no > > government-mandated holiday. > > Izzat so!? Christmas is a federal holiday. Banks, Post Offices, and > Federal Government offices are closed, except for essential services. Christmas was originally a pagan celebration of the winter solstice. It was later appropriated by the church because of its popularity. There are many non-religious aspects of Christmas (e.g., Santa Claus). There are fewer non-religious aspects of Easter, the Easter bunny being an exception, I guess. I am really not trying to start an argument here. Just discussing why Christmas is a federal holiday and Easter is not. My guess is that while Christmas is always on Dec 25, Easter is always on a Sunday. At one time, federal holidays were not on a Monday or a Friday as much as they are now (Lincoln's birthday, Memorial day), so having an "Easter Monday" didn't make sense. -- Jim Gibson
From: Kurt Ullman on 5 Apr 2010 13:23
In article <michelle-F45E55.09572305042010(a)news.eternal-september.org>, Michelle Steiner <michelle(a)michelle.org> wrote: > > I thought part A was hospitals and part B was doctors. Part A is paid for > out of the medicare deductions from your paychecks, but part B is paid for > by a $98 (or so) deduction from your social security check. Part A is > automatic, but you can opt out of part B if you wish. I opted out of Part > B because I'm using the VA system for my medical needs. You're right. The rest of the stuff about deductibles and co-pays are correct, however. Trying to do three things at a time can get confusing. -- I get off on '57 Chevys I get off on screamin' guitars --Eric Clapton |