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Rower Michelle

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  1. Like
    Rower Michelle got a reaction from PaulaC in Managing Health Insurance Mayhem   
    Hi Jane, 
    You sure did hit the nail on the head.  The commercial coverage plans are more comprehensive than Medicare.  I'll be in the same situation after my COBRA runs out.  Ironically, the coverage standards spelled out in the Affordable Care Act, do not apply to the Federal programs.  
      If you travel or seek care out of state, then you will need the Fee for Service traditional Medicare with parts A, B & D, then you will need a supplemental to cover the copays.  If you don't mind working with in network benefits then the other option is to look at Medicare Advantage Plans.  
    I have a few ideas on how to sort through the plan selection:  you could call the American Cancer Society Help Line, Cancer Recovery Foundation, Gilda's Club's Cancer Community Support Line  or  AARP is likely to be a resource too.  Worth a shot?   https://www.cancer.net/navigating-cancer-care/financial-considerations/financial-resources   
    Our financial advisors have a Medicare broker on staff to help make selections as well.   The cancer clinic social worker might have some ideas as well.  Let us know what you find out, it will help a lot of us.  
    Michelle 
  2. Like
    Rower Michelle got a reaction from BridgetO in Managing Health Insurance Mayhem   
    Hi Jane, 
    You sure did hit the nail on the head.  The commercial coverage plans are more comprehensive than Medicare.  I'll be in the same situation after my COBRA runs out.  Ironically, the coverage standards spelled out in the Affordable Care Act, do not apply to the Federal programs.  
      If you travel or seek care out of state, then you will need the Fee for Service traditional Medicare with parts A, B & D, then you will need a supplemental to cover the copays.  If you don't mind working with in network benefits then the other option is to look at Medicare Advantage Plans.  
    I have a few ideas on how to sort through the plan selection:  you could call the American Cancer Society Help Line, Cancer Recovery Foundation, Gilda's Club's Cancer Community Support Line  or  AARP is likely to be a resource too.  Worth a shot?   https://www.cancer.net/navigating-cancer-care/financial-considerations/financial-resources   
    Our financial advisors have a Medicare broker on staff to help make selections as well.   The cancer clinic social worker might have some ideas as well.  Let us know what you find out, it will help a lot of us.  
    Michelle 
  3. Like
    Rower Michelle got a reaction from Tom Galli in Managing Health Insurance Mayhem   
    Hi Jane, 
    You sure did hit the nail on the head.  The commercial coverage plans are more comprehensive than Medicare.  I'll be in the same situation after my COBRA runs out.  Ironically, the coverage standards spelled out in the Affordable Care Act, do not apply to the Federal programs.  
      If you travel or seek care out of state, then you will need the Fee for Service traditional Medicare with parts A, B & D, then you will need a supplemental to cover the copays.  If you don't mind working with in network benefits then the other option is to look at Medicare Advantage Plans.  
    I have a few ideas on how to sort through the plan selection:  you could call the American Cancer Society Help Line, Cancer Recovery Foundation, Gilda's Club's Cancer Community Support Line  or  AARP is likely to be a resource too.  Worth a shot?   https://www.cancer.net/navigating-cancer-care/financial-considerations/financial-resources   
    Our financial advisors have a Medicare broker on staff to help make selections as well.   The cancer clinic social worker might have some ideas as well.  Let us know what you find out, it will help a lot of us.  
    Michelle 
  4. Like
    Rower Michelle reacted to Susanrae in Managing Health Insurance Mayhem   
    Thank you, Michelle, for taking the time to compile this.  One never knows when it might be needed.  Insurance companies are not fun to deal with and are "sticklers" when it comes to details.   So far, I thank my lucky stars that I have not yet had to do battle with them yet, but I am very new in this "game."   Thanks again!!
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