who has an inexpedience supplemental health coverage that would cover everything medicare does not pick up?
963762
Medicare questions can be confusing! Getting the best supplemental coverage and/or a a Medicare Part D policy, for example, depends on several factors.  Supplemental plans and options available vary in each state.  \n\nAlso, the way Part D Medicare is structured is definitely not a "one size fits every senior" deal, too. Each individual--even husbands and wives--need to go through the process to determine what plan is going to meet their needs and will be the "best deal,"\n\nI highly recommend that you call your local Area Agency on Aging--these groups are one of the best kept secrets around for older Americans and their families who are seeking information on Medicare and other kinds of consumer questions. There is one where you live, since this is a national network--and they aren't selling anything! The staff there will visit with you and guide you to information you need to answer your questions. Since they talk with seniors every day--and answer lots of Medicare questions--they will know the "scoop" on the supplemental plans available where you live. They really are experts and answering these kinds of questions!\n\nYou can call toll-free 1-800-677-1116 to find how to contact the Area Agency on Aging serving you. You will most likely find the people there friendly and very helpful.\n\nIf you do contact your local Area Agency on Aging and like the help that they give you, let your local county officials and your folks in Congress know.  Area Agencies on Aging don't have big budgets--their funding comes from the Older Americans Act and this has not increased for a very long time! Your voluntary financial contribution of any amount--which is not required to get the help you need to answer this question--would certainly be appreciated.\n\nHope this helps! Good luck and best wishes
674929
Standard Medicare Part D Plans are governed by the regulations of Medicare - one of them being to exclude coverage of benzodiazepines (like lorazepam) and barbituates (Fioricet contains Butalbital - which is a barbituate).  They are on the Beers list, which Medicare has adopted. It's a list of medications which are considered inappropriate for the elderly.  (Remember - MOST Medicare beneficiaries are 65 or older).\n\nHowever, some ENHANCED Part D plans do cover them, but usually charge higher premiums.\n\nIf you or the person you are asking for is also on a state medicaid program, they may be able to use their Medicaid card for coverage of these medications, and other Part D excluded medicines (Like Vitamins, OTC drugs, Dietary Supplements, etc...)
127023
Medicare isn't going to pay for any dental work.  If you have Medicaid, it will pay for x-rays, exams and dentures.  You can also try going on one of the plans such as Ameriplan or Denticare.  They have very low premiums every month.
166388
www.medicare.org\nI fought with trying to figure out which plan to get for two weeks and then it came to me how simple it is.  \nJust take the number of generic prescriptions times the cost of the particular plans generic costs . . . then do the same with brand scripts that are not generic yet.  Add the two together.  Take the monthly premium and you've got your answer.  At the above web site, you can find which plans are available in your state.  Good luck!\nSamanthaandpooh
182715
If they are over 65 its medicare time. I would try the organizations all affiliate with the nurses for those under 65. No matter what, it's expensive as hell and you would be subject to pre-existing conditions which there probably is at that age. Good Luck
589552
Yes, Medicare B only covers 80% of your medical expenses. If you are enrolled in Medicare then you would need a Medicare Supplement policy to cover the other 20%. It is known as the "Gap" in Medicare or "MediGap".\n\nIf you are enrolled in Medicaid, then yes it will be covered. But Medicaid is an income qualifying program. In most states, your assets or monthly resources needs to be under $2000.00. \n\nSo the bottomline is -- If you're enrolled in Medicare, then the 20% will not be covered unless you have a Medicare Supplement policy. If you're enrolled in Medicaid which is administered by your state, then most likely it will be covered.
989232
you could be stuck with a big bill since you would only be covered for the equivalent of what it would cost here in Canada.\nthere are limits and i wouldn't put much faith in it all being covered. that is why anyone with half a brain will get some supplemental insurance when they travel outside of Canada.
1169524
I think it would be great if everyone was offered the same insurance, and were given the option to upgrade it at their own expense! I think it is so terrible that half my family and many more have to go without insurance because it is unaffordable.
528242
www.medicare.gov\np.s. medicare is federal, not state...
582039
I heard that Maine is trying something like universal healthcare, it is experimental and new, but you might be able to find some information on a program called Dirigo.
1117209
what kind of insurance?\n\nhealth ... bluecross blue shield ... etna ... united ... cigna\n\nauto/home ... allstate ... state farm .. \n\nlife ...
686174
I don't know of anything that will cover ALL dental expenses, but Medicaid covers most reasonable expenses, such as routine cleanings, exams, xrays, fillings, extractions, etc. Medicare will not cover any dental services unless performed in the hospital (or possibly oral surgeon's office). I don't work for an oral surgeon, so I'm not positive how that works in their offices. Hope this helped some.
691610
play around with the tools on medicare.gov there are more factors you may want to look into than just cost... such as what pharmacies in your area accept what plan. call some local hospitals, lots of them in my area have volunteers who can help you out if you think you need help finding a plan
269783
Try Allstate Insurance.  They're looking
836898
Medicare is Health Insurance through our Federal Goverment that everyone that is a US citizen gets when they turn 65.  (or if disabled).  Part A is free and part B is $88 out of your social security.  You want both parts, and a supplemental Medigap policy.  \n\nMedicaid is Welfare Health care provided also by the government, but regulated by your particular State.  You must be very impoverished to qualify for Medicaid.  A lot of time people don't qualify for it if they have a Long Term Care need.  This is how people lose what they worked their whole life for, and end up losing it all and ending up on welfare.  Avoid Medicaid if you can, but it is there for those that need it.
777704
Well the best one is to have one before your diagnosed because alot of them don't cover pre-existing conditions for a year prior to the new policy.  You'd want one with good medical testing coverage, hospital stays, drug coverage, dr visits, alt med if possible.  Many of the Blue Cross higher up plans have that, they have some co-pays but cover the big stuff.  Independent Health which is NY based company has good coverage too.
717667
Don't do medicare. IM me and i'll give topics. Well i think you should do one on airplanes and the physics of flying.