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@katemn

Dear All, just spoke with my husband who is very knowledgeable about insurance .. he would only say it was very important to deal with an "Independent Insurance Agent" ie one who represents many different insurance companies .. AND one who will spend time explaining your various options for Medicare medicare supplemental insurance policies! That way you will truly understand exactly what you are purchasing .. AND what you will be hit with cost wise when ill health happens. Hugs to all! Katherine

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Replies to "Dear All, just spoke with my husband who is very knowledgeable about insurance .. he would..."

Katemn....the videos from the national NTM May 2017 are now posted !! Paula or Terri or?? could you post the link...it contains 360 or something?thanks tdrell

@tdrell, the videos for the NTM conference are in 4 parts and are available on YouTube. I'll post the link to them.

Katemn....here in wisconsin we have the option of WPS which we have as our traditional medicare supplement. In Wisconsin the MEdicare Plans do not use the letters A thru ??? To explain what is covered..... All aspects are covered except 5 options....out of country...B deductible...A deductible.....to cover leftover if Dr or place does not accept Medicare discounts ( such as Mayo in Minnesota to non residents)....and extra homecare visits.
WPS is a non profit group....sold here thru agents or directly thru company which is the way we bought it 8 years ago.
I pay about $400 a month for medicare B premium ..$120
And $280 a month to WPS for all the basics and 5 options.
We normally never see any bills...the 4 we have received ...for $10 or 15 were errors on providers part and were cancelled with one call .
I just received the EOB explanation of benefits From WPS for the 7 days at NJH, my CPAP machine, a cardiac stress test, echocardiogram and nuclear scan......all the bills had first gone thru Medicare then gone to supplement WPS.

It came to $32,482.....$26,043 discounted
Medicare paid $5130....WPS paid $1308 I owe $000000.
Tdrell

@tdrell, Terry .. good job explaining .. all so complicated .. if we can help each other in this important are .. GREAT! The medical bills can bankrupt people .. so sad. If we all keep sharing what we know .. a wealth of Knowledge! Hugs! Katherine

Katherine...the federal gov gives $ to every county in USA to provide a Dept of Aging and disability....ours gives a monthly " welcome to Medicare" workshop...it is awesome. Folks should start learning about Medicare and options at least a year before turning 65...Medicare D is its own headache but at least you can review it and change it every year.
If a person has chronic conditions...the WPS workshop leader said " Medicare advantage programs ( part C) AKA HMOs are not for you"tdrell

@tdrell, Terry, OR have an incredible "Independent Insurance Agent" that we have known for 30 years (a woman!!) who knows absolutely everything about insurance and it's options .. and explains everything to a T! Blessed are we! Thank you for that information for all those NOT so well blessed! Hugs! Katherine

Katherine, is your miracle agent able to help people outside your area? I live in a suburb of Chicago & could use some help before the Fall "change" option rolls around!
Lynne

@mac47 Hi Lynn! Last time I saw you at the convention, you were coughing
non-stop almost. How are you doing now? Terri in Bluffton
 

Sorry, wrong Lynne. I wasn't at the conference(just watched u tube version).

@mac47 Oops!