Quote:
Originally Posted by shanara
hmmmm my medicare kicks in in August and I have been tossing around the idea of even taking part D because it's cheaper to not have any insurance as you say.
Just to be clear, I did NOT say that having no insurance is cheaper. Not at all. It is true that if you have any insurance, you're not eligible for most of the assistance programs the drug companies offer. However if you do not have insurance, you have no guarantee that you'll get the help you need. The drug companies MAY help you out, if you have no insurance, but they're not obligated to help. That's one heck of a big "maybe", especially since they don't help with every drug, generally just the newest ones (because it's good
PR and advertising for the drug. If there's a generic version of the drug, they generally don't help with the cost at all).
The same is true of assistance programs from hospitals and state medicaid programs. You may be eligible for programs, you may not. And even if you're eligible, it doesn't mean you'll get it. Many assistance programs are on a "first come first serve, until the money runs out" basis, which means that at the end of the year, you can be SOL. Income limits also apply. For example, our income (even though it's primarily SSDI income and a small disability pension my husband had from his employer), is just a smidge too high to be eligible for any of the assistance programs. If we turned down medicare, we still would not be eligible for any of the assistance programs.
Quote:
Originally Posted by shanara
hmmmm my medicare kicks in in August and I have been tossing around the idea of even taking part D because it's cheaper to not have any insurance as you say. Even my doctocr's visists are only $15 and am waiting to hear about financial assistance from the hospital and medicaid - but When I get medicare, I'll have that $115/mo premium PLUS deductables PLUS co-pays and will lose all free stuff. What happened to all that money Medicare took out of my paycheck for all those years? It's much cheaper to have nothing and get help directly... I wonder if I can deny Medicare B from even kicking in? Or do I HAVE to take it if its offered?
That certainly isn't true in our area. Unless you're in amazing health and are extremely lucky, the medicare (even with the premium) is still far cheaper than having no insurance coverage.
Also, in many areas there can be the matter of even getting any care except emergency care without insurance. I know in many of the places I've lived, finding a health care provider willing to accept a patient without insurance is iffy at best. In central Illinois for example, when I was a probation officer, I had excellent insurance myself, but it was my job to help probationers and their families find medical care, and without insurance it was nearly impossible. And the doctors who did take uninsured patients had waiting lists 6 to 9 months long.
A Social Security Administration caseworker should be able to tell you whether you can turn down medicare, and what the advantages and disadvantages would be (because the caseworkers will know the programs available in your community), but I'd thoroughly check it out before assuming that it would be cheaper to have nothing.