Maricar19 Account Talk

[Maricar19]

I use BCBS as a secondary to Medicare. They pay well, 99% of what Medicare will not pay. Of course I pay for the coverage, never payed anything.

Thanks nnuut. Just a little follow up- not meaning to be nosy-(ignore if you don't feel like answering) - Have you had major procedure?

I would like to find out from others, too, if they:
1. have Tricare for Life as a supplement to Medicare?
2. have FEHB and Tricare as supplement to Medicare?

 

[Maricar19]

I retired last year due to covid with Social Security Part A , Part B, and FEHB Blue Cross Blue Shield Standard plan. The HR specialist was very helpful guiding me and to date there have been out of pocket expenses, no copays, or other miscellaneous expenses of any kind having several office visits and a few tests at a medical center.

Thank you for taking the time to respond. It makes me feel more secure. Just a little follow up- not meaning to be nosy-(ignore if you don't feel like answering) - Have you had major procedure that required you to be hospitalized?

 

[nasa1974]

Thank you for taking the time to respond. It makes me feel more secure. Just a little follow up- not meaning to be nosy-(ignore if you don't feel like answering) - Have you had major procedure that required you to be hospitalized?

Like nnuut I have BCBS as secondary and Medicare Part A & B as primary. My wife has been going through chemo therapy since February and we haven't been billed for anything. The most expensive medication has been her Eliquis at $100 for a 3 month supply.

 

[ravensfan]

Hey Maricar19

I have Tricare for Life as a supplement to Medicare parts A and B as well as my wife. She suffers from ALS and between Medicare and Tricare for Life have not incurred any additional bills we are responsible for. Everything has been paid in full (80% through Medicare and the remainder through Tricare for Life) In addition we both receive pharmacy, lab, x-rays and vision through a local military clinic near my home as part of our Tricare for Life benefits at no additional cost.

RF

 

[nnuut]

Thanks nnuut. Just a little follow up- not meaning to be nosy-(ignore if you don't feel like answering) - Have you had major procedure?

I would like to find out from others, too, if they:
1. have Tricare for Life as a supplement to Medicare?
2. have FEHB and Tricare as supplement to Medicare?

Yes, 5 weeks ago I had a right lung lower lobe removed, it was CANCER, NON SMALL CELL Cancer. Caught it in the right time, next appointment XRAY is due in 4 months, if that is OK they will look yearly. A blessing for me. PRICE, saw Document the other day Total Price was over $78,000 and Medicare and BCBS paid over $12,000 and the Doctors settled for that, I haven't paid one Bill but may have to pay a little, so far NOTHING?

 

[Maricar19]

Like nnuut I have BCBS as secondary and Medicare Part A & B as primary. My wife has been going through chemo therapy since February and we haven't been billed for anything. The most expensive medication has been her Eliquis at $100 for a 3 month supply.

Thank you so much nasa1974 for the response. This info is helping me a lot.
I will pray for the recovery of your wife.

 

[flalaw97]

Wow. These are great stories of how good our coverage is for retirement. Now I feel great about our healthcare as retirement approaches and even more inclined to retire at MRA +30. My prayers to each of you and your family members! I hope that you are all still able to enjoy retirment years! Best of luck to all!

 

[Kdjs]

I only had a visit unexpectedly to the emergency room and for the first time no bill(s) to pay.
Nothing more.
All the best.

 

[Maricar19]

Hey Maricar19

I have Tricare for Life as a supplement to Medicare parts A and B as well as my wife. She suffers from ALS and between Medicare and Tricare for Life have not incurred any additional bills we are responsible for. Everything has been paid in full (80% through Medicare and the remainder through Tricare for Life) In addition we both receive pharmacy, lab, x-rays and vision through a local military clinic near my home as part of our Tricare for Life benefits at no additional cost.
RF

Raven, I am very sorry to hear about your wife. I will pray for you and her. It must be tough for both of you.
I am very thankful for your response. Question, when I qualify for Tricare4Life, I can get prescriptions through VA?

 

[Maricar19]

Yes, 5 weeks ago I had a right lung lower lobe removed, it was CANCER, NON SMALL CELL Cancer. Caught it in the right time, next appointment XRAY is due in 4 months, if that is OK they will look yearly. A blessing for me. PRICE, saw Document the other day Total Price was over $78,000 and Medicare and BCBS paid over $12,000 and the Doctors settled for that, I haven't paid one Bill but may have to pay a little, so far NOTHING?

nnuut, thank you for responding. I hope for your quick recovery. You are so upbeat with your posts that I would not think that you are going through some medical issues. Hang in there. Will pray for you.

 

[Maricar19]

I only had a visit unexpectedly to the emergency room and for the first time no bill(s) to pay.
Nothing more.
All the best.

Hi Kdjs,
Truth - that's what we want, just a little side trip to ER and that's it.

 

[nasa1974]

Thank you so much nasa1974 for the response. This info is helping me a lot.
I will pray for the recovery of your wife.

Thank you

 

[ravensfan]

Raven, I am very sorry to hear about your wife. I will pray for you and her. It must be tough for both of you.
I am very thankful for your response. Question, when I qualify for Tricare4Life, I can get prescriptions through VA?

Thank you for your prayers and yes there are days it is extremely tough. But in spite of the hardships it is extremely gratifying to be her caregiver. One day God will call her home and in my heart I know I have made the time she has left very special.

As for your question regarding getting prescriptions through the VA, I can't give you an answer as we use an active duty health clinic for our care and services and not the VA. Perhaps someone who uses them can chime in on VA benefits and how to go about setting that up.

Take care and thanks again for your prayers.

 

[nasa1974]

Hey Maricar19

I have Tricare for Life as a supplement to Medicare parts A and B as well as my wife. She suffers from ALS and between Medicare and Tricare for Life have not incurred any additional bills we are responsible for. Everything has been paid in full (80% through Medicare and the remainder through Tricare for Life) In addition we both receive pharmacy, lab, x-rays and vision through a local military clinic near my home as part of our Tricare for Life benefits at no additional cost.

RF

RF, sorry to hear about your wife. We are fortunate as government/federal/military employees and retirees that we have good health insurance options. My wife's one immunotherapy session was over $64,000.00 and Medicare and BCBS has picked that cost up. Good luck stay strong and you are in our prayers.

 

[nasa1974]

Wow. These are great stories of how good our coverage is for retirement. Now I feel great about our healthcare as retirement approaches and even more inclined to retire at MRA +30. My prayers to each of you and your family members! I hope that you are all still able to enjoy retirment years! Best of luck to all!

flalaw, thank you

 

[Maricar19]

FYI: Medicare and FEHB Premiums

Blue Cross® and Blue Shield® Service Benefit Plan
Basic Option members enrolled in Medicare Part A and Part B are eligible to be reimbursed up to $800 per calendar year for their Medicare Part B premium payments.
The account is used to reimburse member-paid Medicare Part B premiums. For more information on how to obtain reimbursement,please visit www.fepblue.org/mra or call 888-706-2583.
https://www.opm.gov/healthcare-insu...ormation/plan-codes/2021/brochures/71-005.pdf - page 129

Note: Members with Standard Option or FEP Blue Focus plans aren’t eligible.:thumbsdown:


UnitedHealthcare Insurance Company, Inc.
The UnitedHealthcare Medicare Advantage Value Plan provides a monthly reimbursement of $50 ofyour Medicare Part B monthly premium.
https://www.opm.gov/healthcare-insu...ormation/plan-codes/2021/brochures/73-903.pdf - page 76

 

[Maricar19]

FYI: Medicare and FEHB Premiums

Blue Cross® and Blue Shield® Service Benefit Plan
Basic Option members enrolled in Medicare Part A and Part B are eligible to be reimbursed up to $800 per calendar year for their Medicare Part B premium payments.
The account is used to reimburse member-paid Medicare Part B premiums. For more information on how to obtain reimbursement,please visit www.fepblue.org/mra or call 888-706-2583.
https://www.opm.gov/healthcare-insu...ormation/plan-codes/2021/brochures/71-005.pdf - page 129
Note: Members with Standard Option or FEP Blue Focus plans aren’t eligible.:thumbsdown:


UnitedHealthcare Insurance Company, Inc.
The UnitedHealthcare Medicare Advantage Value Plan provides a monthly reimbursement of $50 of your Medicare Part B monthly premium.
https://www.opm.gov/healthcare-insu...ormation/plan-codes/2021/brochures/73-903.pdf - page 76

 

[Maricar19]

[TABLE="class: grid, width: 200, align: left"]
[TR]
[TD]YTD[/TD]
[TD]$58,979[/TD]
[/TR]
[TR]
[TD]September[/TD]
[TD]-$4430[/TD]
[/TR]
[/TABLE]




Best Month So Far
[TABLE="class: grid, width: 200, align: left"]
[TR]
[TD]April[/TD]
[TD]$14,156[/TD]
[/TR]
[/TABLE]

 

[Maricar19]

Getting better...Futures looking good:lmao:

[TABLE="class: grid, width: 200, align: left"]
[TR]
[TD]9/01 thru 9/13[/TD]
[TD]-$3268[/TD]
[/TR]
[/TABLE]


Best Month So Far
[TABLE="class: grid, width: 200, align: left"]
[TR]
[TD]April[/TD]
[TD]$14,156[/TD]
[/TR]
[/TABLE]

 

[Maricar19]

Roth TSP - Are we still required to take RMD at 72 with Roth TSP? Any changes?
Roth IRA has no RMD.