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Insurance options to supplement Medicare.

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  • Insurance options to supplement Medicare.

    I am currently at stage 4. Last spring I had the surgery to create an AV fistula for when I'll need dialysis. I will be turning 65 December 2. I am struggling to find some guidance for making health care insurance choices to go along with Medicare. I'm thinking that there might be specific things that I should consider that are specific to my medical needs. I have all the brochures for Advantage and Supplemental plans but don't know which way to go. Any insights?

  • #2
    I have no insights, as I am in the same boat. I am hoping someone will help us!

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    • #3
      What you will need is a "Type F" Medigap policy. It will probably cost you an extra $240/month, but it covers everything 100%.

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      • #4
        If you already on Medicare and have a retiree supplement plan that will not cover expenses get a medigap plan?

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        • #5
          I do have retiree health plan through PERA.  Carry Medicare/Kaiser SR. Advantage insurance
          ‹‹Stage 4 ckd. Will I need more insurance?
          Last edited by judydnvr; 10-31-2016, 04:26 PM.

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          • #6
            Originally posted by judydnvr View Post
            I do have retiree health plan through PERA.  Carry Medicare/Kaiser SR. Advantage insurance
            ‹‹Stage 4 ckd. Will I need more insurance?
            Hi judydnvr, thanks for reaching out & welcome to myDaVita! You may contact the DaVita Guest Services team directly to speak with an insurance specialist. They can be reached by calling 1-800-400-8331 or emailing guestservices@davita.com. Thank you!

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            • #7
              what if you have a regular insurance through employer and have medicare as a second insurance

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              • #8
                Originally posted by rkitty96 View Post
                what if you have a regular insurance through employer and have medicare as a second insurance
                Hi rkitty96 - you can contact the DaVita Guest Services team to speak with an insurance specialist to get this question answered. You may call them at 1-800-400-8331 or email them at guestservices@davita.com. Thank you, have a nice Thursday!

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                • #9
                  My daughter has moved back home to take care of me. She does everything for me except feed me and bathe me. I know there is a program out there where she could get paid for helping me. on medicare for insurance only.

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                  • #10
                    Only have Medicare. Only pays 80%. Dialysis bills piling up. No one has any answers that I ask. No Medigap in my area. On dialysis since 8/16.

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                    • #11
                      Talk to your kidney counselor

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                      • #12
                        55, on Medicare, on hd for the past 4 years, needs help with 20% of what Medicare doesn't pay, medical bills piling up, any help please?

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                        • #13
                          I am 42 and have been on dialysis for 3 years. I recently lost my secondary insurance and now because of my age I am not able to get a secondary insurance to help cover the 20% that Medicare don't cover. Do anyone have any suggestions or have been in this situation? Please help!

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                          • #14
                            I see questions but no answers! Where is every one thhatthat suppose to help?

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                            • #15
                              From my experience with insurance and Medicare, each year you will receive a new booklet from Social Security. In it will be insurance options for you to choice from. Also some insurance companies will offer meetings in your area give you information regards to their policies. Also if you don't receive the booklet you can go on line or Medicare.org and there you will also find lists of insurance companies who offer coverage in your area. It will show the premium and what co-pays will be and if there is prescription coverage with that certain policy. You just have to do some research on your own and it's not an easy decision to make. Just never know for sure which policy will be the right one. But the more research you do the better you will be able to choice the right policy for you. Just takes time and some leg work... or computer work.... Of course if you don't have a computer there is always the Library in your area will have computers for you to use. Another option is just to do a Google search on insurance companies that offer sub. ins for Medicare. Good luck.

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