Why would he recommend getting part B now--- another $100 or so a
month --- if you are already covered?
Thanks to all of you who wrote me about my Medicare concerns. You
will be happy to know that I finally contacted my SSDI
representative at the Railroad Retirement Board and he clarified the
following information for me.
1. He recommended that I take Part B now along with Part A that
will be effective Sept 1, 2009.
2. He said that as long as I have secondary insurance (my COBRA
with Blue Cross), not supplemental, that the COBRA is my primary
insurance and the Medicare will be secondary.
3. As soon as I turn 65, the Medicare A and B will be my primary
and the COBRA or any other private insurance will be my secondary
and my supplemental until it goes away.
4. At that time, I will have to select a Part B plan from those
that are available in my area. I may also want to purchase private
insurance for supplemental benefits.
5. At that time, I can also sign up for Part D.
5. The Advantaged Plans are considered to be Part C or Part B and
Part D combined. They are better than the original Part B and D and
cost more as well, but they include things that would otherwise be
picked up with a supplemental insurance.
I hope this is not confusing to understand, LOL, and perhaps some of
you may find it helpful. Thanks again.
Laurie
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