Question:
Now at 65, I have questions concerning many things, and, AARP insurance
is todays subject.
Part A - Hospital I understand is totally covered under Medicare
Part B - Other is covered by extra premium to Social Security for this
insurance.
Unless your life is at risk, there is no eyeglass or dental insurance
under either of the above.
If you happen to have another policy in a group of over 20 employees,
one can maintain insurance on the Part B at perhaps a lesser expense,
and, cover fully all that falls under Part B if you have a great policy.
If you also happen to have a GREAT other policy it covers what Part A
and Part B don't cover.
Under what circumstances is AARP insurance of any use.
My mother paid into AARP $60 for a lot of years plus to Social Security
for Part B.......what did she benefit from doing this???; she had no
other insurance policy from 65 - 93½ when she passed on.
Answer:
what she got for the premiums depends on which Medicare supplement
plan she had. The plans are all the same no matter who the selling company
is. The largest single thing she got was the hospital deductible. If you
can tell me the letter number of her plan, I can tell you what it covers at
today's rates, and you can get an idea of what it covered then. On the
policy it will say "Plan C" or some other letter.
I was trying to be nice, HA? Had to read it 3 times; thought you
were picking on my use of "English".
I got a solicitation signed by the President or whatever of AARP, you
know the "form" type.....so I have written him asking what AARP was
offering other than different ways for me to part with my money toward
keeping their salaries intact, or, words to that effect. Will see If
I get any response, and, what of any value it is.
In all cases covered by Medicare
the doctors accepted Medicare as payment in full for her treatment; but
because she had AARP "extra insurance" they got some additional out of
that where it provided coverage. My thought: If I don't have an extra
AARP policy, what the -H-, they will just take the Medcare period.
suspect you're not seeing "the big picture". It's not a question of
whether or not AARP supplemental "Medigap" insurance is any better or worse
than any other organizations' policy; there are dozens of insurance companies
who all offer essentially identical supplemental policies.
There is NO doctor or hospital that accepts Medicare as payment in full for
any treatment. There are deductibles and co-payments that the patient, not
Medicare, is responsible for. Because your mother had a supplemental
insurance policy (from AARP) the combination of the two payers covered the
medical costs.
If you don't like AARP, don't buy from them; but don't assume that there is
no need for a Medigap supplemental insurance policy. You may be unpleasantly
surprised when you're presented with the doctor's bill.
