Vision and dental are health care needs!! They should be with regular Medicare, then if you have a supplement, not Advantage (which sucks), they would be covered. We need to advocate for Medicare to cover dental and vision as health care needs.
@@Conny226 Dental diseases are the root of many highly profitable medical procedures and pills. It would be a catastrophe to the Medical Mafia if the root causes of too many diseases were effectively treated.
@@robertpendergrass7996It depends on your state. My plan covers vision, hearing and dental. Dental pays annual preventive exams, partial coverage of root canals, etc. And my plan coverage $3500 in addition to all preventative items.
@@terrisiler1438advantage is designed to enrich insurance companies and reduce Medicare effectiveness. Advantage is insurance companies taking our hard-earned tax dollars.
Buying an advantage plan to get dental and vision covered is like buying auto insurance to cover headlights and tires. You're going to be in real trouble if you have an actual accident.
Actually seniors need hearing aids; dental and eye care. Our government continues to charge us to pay into Medicare and then charge a ridiculous amount for all 3 of the above. It’s outrageous but these politicians get everything covered for life!
We’re paying higher premiums then lot of these people under Obamacare, but they get way better benefits. most of them aren’t living on fixed incomes like us, they even have more opportunity to do odd jobs to make cash money.
For the price you pay? Medicare is operating at a trillion dollar loss. You are paying half the rate on private insurance, and the benefits are much better.
You are so right that Medicare advantage plan is so bad they are l I got caught up in there lies and it took me 3 months back and forth on the phone for hrs getting back on Medicare!
I just retired after working 34 years as a respiratory therapist and I have to say, I always bitched "why do these older people always wait unti their last breath to get into the ER!??? Well , NOW I KNOW ! Medicare that they have work and paid into their (and MY) entire lives and careers ...DOESNT PAY FOR SHIT ! They cant afford to come in until they are afraid they might die for F's sake ! This has been an eye opening slap in the face to pay all of those years and now I am paying so much , hundreds , for any tests or necessary things I need to get done ! And seeing I only have one perscription and didnt want to pay more for coverage than that one perscription costs I will be charged even more if I decide to get the coverage later on.... they are scamming seniors !!! This is sad ! It actually seems criminal !
Thankyou , I had heart surgery at five years old . I've seen the changes in the medical field for years . Didn't understand my dad's words in 1967 . He came home extremely mad , and seid there was no reason for big business to be in the medical field that is not what it is about . Now I know . He when retired was angry at how much medicine cost . It's so sad .it's all about money . Thankyou for your comment .
I pay more for Supplemental Health Insurance. So far I haven’t received one bill from any physicians. Since commenting, I’ve gotten bills and made the payments in installments.
Just wait until you find out that Medicare has been in the process since the ACA was enacted to railroad ALL traditional Medicare beneficiaries into Advantage/HMO style plans, called Accountable Care Organizations, by 2030. This process has been going on behind our backs without our approval or consent nor any congressional oversight.
Here's an article that you might find interesting on the real cost of Medicare: www.kff.org/medicare/issue-brief/faqs-on-medicare-financing-and-trust-fund-solvency/
@@carolinemarie44 I switched to baking soda tooth paste years ago and love it! Unfortunately, I have terrible teeth... I think it is hereditary. Baking soda goes a great way to balance your PH in your body and make it more alkaline vs acidic. when your body is acidic you can't fight diseases. I used to get Bronchitis all the time. When I start to get sick or run down, I put a little baking soda in water and drink a few glasses a day or during the week. If you want to try something fun, go to the drug store and get the PH strips. You can test the Ph levels in your mouth after drinking coffee or wine, vs eating food that help your PH balance like cantaloupe or cucumbers or celery. You can do the same with water and baking soda. Drink coffee - test our Ph and it will be bright yellow... very acidic. Drink the baking soda water or eat a cucumber and test again; the strip will be bright blue - more alkaline! There are books on having a more PH-balanced diet, but honestly, I know I can't stick to it 100%. I still love my wine, cheese, meats, and breads. But I suppose everything in moderation! 😀
My husband and I have Aetna Medicare Advantage plan that covers $2,500 dental (they paid $700 for my crown) we have vision, hearing, dental, $180 over the counter products (each for total $360) no deductible, prescription coverage, no co pay for primary physician, people seem to think Advantage plans are bad..that hasn’t been the case for us..I’d recommend an Advantage plan!
YOU worked DAMN NEAR ALL OF YOUR LIFE, PAY INTO MEDICARE AND WHEN YOU RETIRED STILL PAYING THEM (MORE MONEY I SHOULD ADD) AND THEY HAVE THE AUDACITY TO SAY, ONE STILL PAYS CO-PAY, 20% of HOSPITAL FEES, (THEY DON'T COVER THIS/THEY DON'T COVER THAT)!!! INCREASE YEARLY!!! WHY ARE WE PAYING THEM ANYTHING?!!!!!!!!!
Vote into office people who want a National Healthcare System where everything is covered. And BTW, something is better than nothing. You have 6 months after you turn 65 to select a secondary insurance.
My neighbor doesn't have a co-pay. He's a military veteran and Medicare doesn't make him pay anything. I'm not sure how it works, I just know that it's all covered.
Medicare is one of the greatest benefits around. People pay in far less than the benefits they will eventually receive. Just look at the price of an ER visit or a surgery or even a few days in the hospital.
It might be covered due to a medical issue. Your oral surgeon or dentist should write a letter due to a certain diagnosis. Check into it with your PCP too to help write a letter. Good luck.
Yes my mom had to have all her teeth pulled before she could have her bypass and aortic valve replacement bc we couldn’t afford dental insurance . I’m on Keytrudia now and have a bad tooth that can’t be pulled or have any work done until the treatments are over so I pay for antibiotics. If I’d had the money I would have had it done 2 months ago but I’m still paying down $800 for a pulled tooth a year ago. My mom went in California’s MedcAid so that covered it luckily
@@philmiska7295 i don't know where you live but if you look up M.O.M it's a group of doctors that have clinics allover the world and they pull teeth and whatever else they can to make you comfortable it's over a weekend and everything is totally free and also there is one through lions club (in Alaska it's the lions club) and there free you might check good luck
@geohac2456 Few if any seniors! I'm told very few Medicare recipients get to this level, but still.. way too high! Again, this is changing next year. So that's good news! At $1300/month you should be eligible for Extra Help to pay Part D costs. "To be eligible for Extra Help, your annual income must be limited to $22,590 for a person" You can contact SS if don't have this now, but hopefully you do!
Depends on what state you're in. In California, there's Medi-Medi which provides very low income MediCare recipients with MediCal. Rx's are usually covered but you might have to switch to generics.
Time for dental to be covered. Not fully. Most will want $30,000 worth of work done. Just basic coverage would be nice. Cleaning, fillings and extractions. Give us seniors something.
It's already covered it's been covered for years the problem is with people that don't have any teeth and need dentures some of us really need dentures why don't you help with that
@@alisadunagan5672 Medicare Advantage is a private insurance, not Medicare which doesn’t have dental for the most part. If you are in an accident I think some things are covered.
So does this FN antitrust who is taking care of all the needs and money he's taking from us to give to the illegal immigrants! There's enough taxpayers money for that but not for the people who worked there whole lives and are now on social security !
@bordereau1 Medicare Part D in IL runs from $0 to about $100/month. WellCare has a $0 premium drug card, and we moved many of my clients to this plan. My mom is on the plan and is currently with my sister in FL. It covers her nationwide and covers all her medications - she is on about a dozen. NOTE: There are also many MAPD plans (Medicare Advantage with Prescription Drug) that are PPO plans for $0 premium per month. If someone is currently taking no medications and wants a supplement plan, we recommend they do the $0 premium WellCare plan. Costs nothing and avoids the penalty!
@@cbhealthinsurance3621I am employed with healthcare insurance which covers both myself and my husband. When he turned 65, he signed up for Medicare Part A only, as required. He didn’t sign up for any other parts because he is still covered under my employer’s health insurance. I plan to continue working until at least 67 (and maybe even longer because a medication I take is not covered under Medicare) and continue to use the healthcare insurance provided by my employer. At whatever point I retire and we sign up for the other parts of Medicare, are we both going to be penalized for Part D because we didn’t sign up for it at the very beginning, even though we both had drug coverage through my employer?
Cbhealth: do you check your clients lists of drugs to see if the $0 plan includes their meds or what tier they're on? Quite a disservice if you don't! Co-pays or full price can outweigh a higher monthly premium.
The things we need are not covered. I do not need a diagnostic exam to tell me my hearing is failing. Hearing aides, glasses and dental are what really costs us money!
You are the only person I have found on UA-cam to get right to the point and not drag out videos to 20/30 minutes of those people that love to talk. Thank you!! Thank you!! Thank you!!
@MichaelsHomeCooking Thank you Michael! I do appreciate the comment. When I started the channel for my clients, the goal was to make videos from 5-10 minutes long to help explain complex topics and put them into simple, easy to understand terms. I have to admit, this is one of my longer videos, but I try to stay on topic and keep to the point. Thanks again!
@@cbhealthinsurance3621I’m 67 I’m listed by Medicare as Obie’s overweight. I’ve gained weight as result of back injury,,,my question…ARE THE WEIGHT LOSS DRUGS COVERED UNDER MEDICARE, I HANEVA SECONDARY UNITED HEALTH CARE ….IM SONCONFUSED AND FRUSTRATED…..CAN YOUBANSWER THIS FOR ME
It is just about impossible to find therapists that take Medicare!!! The Medicare coverage is so low, therapists don’t want to take Medicare patients 😢
And most medical practices limit the number of Medicare patients they’ll take on. Apparently, there isn’t enough profit with treating Medicare patients.
@@kathimeci5179 i didn't realize a provider could limit the number of medicare patients it has. it is my understanding, if they accept medicare, they have to see medicare patients
I have a $40 copay for a therapist. I see her online. I sought a diagnosis after I retired, because I needed to know. I saw a psychologist who does do testing. Told me they may not cover it, just so I knew, it would have been $2000. I was ok with that. She said her staff is good about resubmitting. They paid the entire amount. Shocked and relieved.
Medicare Part A is the gravy train for therapies... too bad the Affordable Care Act destroyed Medicare ... people are lied to daily by these criminal HMO Plans they try to sell on T V ...
They have to send 60 BILLION to foreign countries who never paid a penny into it. Thats why they won't help seniors! They are covered 100 percent. Why not seniors!!!???
You watch too many Trump lies. Most of our taxes subsidized toxic food and oil and so Elon Musk can play astronaut. So you don't want to fund Nato? The only thing keeping Russia out of your backyard? BTW Nato countries pay plenty into it but did you forget were the richest country in the world? So are you saying we shouldn't pay our fair share???
That is precisely the reason people should avoid Medicare so-called advantage plans like the plague. You are giving up your traditional Medicare and going back into for-profit insurance companies. It’s very difficult to get back on traditional Medicare. If you go straight into a Medicare (dis)Advantage plan, you are surrendering your only chance to be on a supplemental without discrimination for pre-existing conditions. Yes, there’s that glaring exception on traditional Medicare enrollment that requires people getting off disadvantage plans to go through underwriting and hope there’s an affordable plan that will take you with all your healthcare needs. Don’t fall for the cheap and inadequate vision, hearing, dental come-on plans. Look at the restrictions such as where you might go if you get a cancer diagnosis, how you have to appeal the denials, does the plan really have as many providers and specialists as they claim, what happens if you are away from home and outside of your plans geographical limitations. Also, it’s critical to remember that Medicare (dis)Advantage plans are only set for one year. They can and do raise deductibles, eliminate covered conditions or add-ons, lose providers all year long, and various other changes that you are locked into unless you change plans again. Traditional Medicare plans are far more static and stable. You can use it anywhere in the US and all of the territories. Traditional Medicare plans are administered by the government with a rock bottom overhead/admin of only 3-7% with everything else going to patient care. There is legislation, stalled in the House, that would deny the huge insurance monopolies the use of the word Medicare for their for-profit plans. You have actually given up Medicare if you are persuaded or deceived into shifting to a disadvantage plan.
Hopefully most of us who are old enough to be on Medicare remember when we were kids, the vast majority of people didn't have health insurance and our healthcare was far superior at far less cost. I think that for many, it also caused people to try to adopt healthier lifestyles to hopefully avoid most medical expenses.
I worked as head nurse for a small gastroenterology practice. I spent Huge amounts of time on the phone with insurance companies attempting to get coverage for medications, procedures, and tests that the doctor had prescribed. The rules of coverage are made by money men, not medical personnel.
@@kathimeci5179 Mainly it is the bonuses that they get. That can easily give them a big eight figure income. Then we have someone buying a company and the person decides he wants draw an eight figure income and greatly raises the price on certain drugs. There hasn't been any new R&D expenditure but the owner wants to draw a bigger paycheck.
WE work all our lives for nothing… Hearing aids, dental and glasses would be nice! I’m wearing glasses that are 6 years old because I can’t afford them and I DO HAVE AN EYE DISEASE! I now STRUGGLE to see… Thanks a lot Medicare for preferring some of us JUST GO BLIND unless we have Cataracts… It’s SHAMEFUL! 😢
I am an acupuncturist who treats chronic pain. And indeed, Medicare says they will cover acupuncture for low back pain, but only an MD can perform the acupuncture licensed acupuncturist are not covered under Medicare. Good luck finding an MD that will give you an acupuncture treatment. It’s very time-consuming, and most of these want to turn over their treatment rooms every 15 minutes.
@BonnieCalifornia Hi Bonnie, Thank you for sharing and your comments. This is just so absurd to me that you have to see an MD to get this covered. Why would and MD get certified as an acupuncturist? Things that make you go hmm...
Yes try and find a MD that has had the number of hours of training that an acupuncturist has had. Chiropractors take like only 200 hours of acupuncture training as opposed to 3500 an acupuncturist takes. Look for a Chinese MD as doctors in China are often trained in TCM too.
That is a ridiculous and ignorant statement, but I guess you won’t care then when the finally get rid of the “entitlement” programs of Medicare and Social Security…right?
Just with the research alone, showing how poor Dental Health leads to Heart issues, should be enough to show how Dental coverage for Seniors is needed !
Medicare NEEDS to cover dental including crowns and partials, orthotics, chiropractic on arms, legs, joints and vision as new perscriptions are needed. Also ALL RX plans need to cover compounded medicine as I have to pay for all my meds out of pocket.
Sure should. My teeth are cleaned 4 times a year at $90. x three and $180. for the fourth plus x-rays. I've had to do that for at least 20 years. Medicare Advantage covers nothing.
@@pattypierce8189Manages care- you’re at the mercy of an insurance company. Large co-pays and deductibles. Average commission on an Advantage Plan, $600 to $800. I hope your health is good and stays that way. You could be hot with some very large expenses and limited choices. Advantage plans are only required to cover what Medicare covers, you are responsible for 20%, serious illnesses could be very expensive. These plans can change dramatically. True, they generally include drug coverage and have annual limits, usually around $8K and rising. Just don’t get sick toward the end of the year. Maximum out of pocket resets every January.
Bariatric surgery is ridiculous! Seniors need eyes, dental, hearing exams! Older seniors also need toenail trimming from a professional. Ugh. Frustrating.
I think it's sad that surgery if you're fat is covered, marriage therapies are covered, sexually transmitted disease issues covered, etc. Well, not sad for those who need that, and I'm not going to debate about the choices that get people into those situations! All the other areas you mentioned I already knew are covered. BUT the items that older Americans really need are NOT covered: refractions, eyeglasses (not regarding cataracts), hearing aids, dental, annual medical checkups. How many elderly people do you know that their teeth are rotting and need filled cavities or their teeth are falling out and then they need dentures? How many elderly people need stronger and stronger glasses? How many elderly people do you know who are losing their hearing and need hearing aids (NOT just a test for it)? And how many elderly people would just like to have an annual checkup? It's great that Medicare covers so many things, and YES if you're super sick or need surgery....I'm not knocking that. But what if you're relatively healthy. If you are healthy, all your medical bills are through the roof for all those basic things that Medicare does NOT cover. End of rant.
Thanks. Don't get me wrong, I am very thankful to live in a country that has a program like Medicare. When we were first on it, we had an advantage plan, but waiting to see a dr was an ongoing problem. A supplemental plan is somewhat better but costs $. I cringe when I think some in our administration want to go for a socialist type medical plan. I know people in those type countries who have waited more than 6 months to see a specialist, and then another several months for treatment. And don't get me started about the folks here in USA who get their medical plan FREE etc etc.@@kathygann7632
we are allowed an annual review, well woman exam, mammogram, with no copay or deductible. Bone density and diagnostic colon testing (including colonoscopy ) are covered at no decuctible or co insurance.
@@clairewood7416How about just buy me dentures, is that too much to ask? I don't need those tests, but I do need to chew food, and I would like to not be in pain because I can't afford plan C, D, or E.
Ostomy supplies are covered. Also, just heard on the news that lymphadema wraps will be covered next year under durable medical. My brother's were almost $1000 so I get you there.
Harry Reid once said which is the best thing I've ever heard him say he said I don't know why Medicare when it was created does not cover eyes teeth ears and feet does so does that mean that elderly people are not supposed to see hear eat or walk using microphone no punctuation
I just got charged $500 for an extraction by a dentist! When I lived at Lake Tahoe in the 1980’s a dentist there charged me just $50 to extract a Wisdom Tooth. How did it go up 8X in just that amount of time?? Dentists charge too much!
@jmseipp Yes, dental work is VERY Expensive! I should know; I've personally paid over 15k in a period of about 5 years and that's with insurance! And many of the caps and crowns have fallen out or had to be replaced. My husband has better teeth than me, but he does go about 3 times a year for cleanings that can be $185 each. That is why we are considering a Medicare Advantage plan with good dental benefits when he turns 65 soon... me, I have to wait a half a dozen more years.. I'm a baby! Ha ha!
@@cbhealthinsurance3621 Be very careful about going onto a Medicare Advantage Plan. Do lots of research first. Once you leave Real Medicare you may never be able to come back. Lots of horror stories about Being denied, Denied, DENIED for treatment on Medicare Advantage plans. They’re NOT Medicare. Plenty of warning videos here on youtube about Medicare Advantage plans. The guy who signed me up with a Cigna Supplemental Plan just did a video on how he goes to Dental Hygienist Schools. He says they’re GREAT! and they really need patients. The students are overseen every step of the way by actual dentists who watch them very carefully. And they can refer you to dental schools who also are really great and do great work. I’m starting to look into them in the Houston area.
I am not Diabetic. I was refused a shot for Shingles in 2015 when I was thrown into useless Medicare. I am not fat. I am not Diabetic, I am thin, do not require Bariatric surgery. Cancer surviver with Bone Pain. My doctor gives me a shot once a month, not covered. When I had cataract surgery for both eyes, my eyes exam after surgery was not covered, glasses were not covered. I do not wear glasses. I had one eye new lens for reading and the other lens for distance. I was told I would not adjust to that at 71, but I have done well. Today is my 74th birthday, I do not need counseling, treatment for an STD, I am not pregnant at my age, do not need hearing screening. Every new coverage will not benefit me. I do need dental work, Not Covered. My additional out of pocket insurance does not cover much. My separate plan for medication does not cover Methocarbamol which helps the bone pain. Additional 25 dollars per month. Wish Medicare covered something useful.
Thank you for posting this. My husband wants us to switch to Medicare and I refuse to. My mom was on it and one drug that worked for her they refused to pay for. So she suffered taking everything but the one that could help her. I would get the shingles one even though the new one causes a slight side effect. I have had shingles 3 times but I do not suffer from the pain it causes others. The last 2 times it was near my eye. I didn’t want to risk blindness. Just a thought. But I am thankful you took the time to post !
Happy Birthday, I know it’s hard!!! Our local hospital has feces and bats all in it. Nobody is doing anything about it. God bless you, we are all in the same boat!
@@brendaplunkett8659 Medicare has been covering cateract surgery and aftercare for quite a while. My Mom had it done 7 years ago and only had a copay. One of the eye drops was not covered but not terribly expensive ($35).
So apparently I signed up “ late” for Medicare and now I am being charged $22.00 a month forever more as a penalty. How is this even remotely possible ⁉️⁉️⁉️
OMG! That's AMAZING! I did not know! Do you have to be a member? I assume so. I know that Costco started selling a health insurance plan that covers some basic stuff like Dr.'s visits for a small annual fee. I also know that you don't have to be a member to use their pharmacy; the law doesn't let them charge a fee for the pharmacy benefit. And I'm told that they have some of the lowest retail drug prices compared to any of the large RX chains (like Walgreens, CVS, etc.)
No membership required! I am an occupational health nurse. The quality of the exam was excellent. The quality of the hearing aids was much better than the free standing hearing hearing aid businesses in town. ALSO...Costco has the cheapest self pay pricing on most prescription drugs. The pharmacy is also "no membership required".
@cbhealthinsurance3621 They do have great deals on OTC medications and also suppliments. They're really good quality too. My neighbor takes something called Move Free and Costco has the best price on that. There's also a generic but he likes the brand name one. He says it works better for him.
Try being the age before Medicare kicks in and retired at 62. EXPENSIVE Obamacare which is just catastrophic hospitalization coverage with huge deductibles than never seem to clock down. Catastrophic coverage such as the old "Blue Million" used to be less than $100 a month before government started meddling.
Start investing in Mobile Businesses, such as Dentistry, Eye exams & treatments, hearing tests and Aids exams with the variety of choices for the hearing aids as part of the exams. There are many, many adults over 65 for whom traveling to an office is very difficult and/or impossible. Not all Seniors have a caregiver, part-time, full-time, weekly, or monthly. Not all Seniors are competent to drive, have a safe vehicle, or even someone else who is reliable to help or live near public transportation. I am thankful a few pharmacies are offering home delivery of prescriptions. Retired RN here, with Home Health Care and Hospice Home Care experience.
No Drugs should be mandatory, PERIOD, under the guise that are preventing anything. Everybody is different and drugs are not one size fits all. That's a red flag right there.
I just had a nite from my prescription people that a certain drug is not in their list! Well, this is exactly the same drug I’ve been taking for years but it now has a generic! I will be having a very long talk with them!!!
@@sandybruce9092I have one that I took for 30 years.And then my doctor retired and being with a new doctor I was told it was no longer available to me. Excuse me? Why? Refused to answer! Still don't know and new doctor won't prescribe the only one they will allow and it's the only other one that works.
@@karyannfontaine8757 It is always the case that healthy people get mad at the unhealthy people. The reality is that you are just one step away from breaking a bone, having a car accident, being hospitalized for an infection or developing a disabling condition or cancer.
are they going to start covering dental like they should be they forgot to tell me when I was working 12 hours a day for 45 years paying into the system that dental was not included with the medical .and can you please let us no why it is not. thank you very much.
@CalvinMorris-cf8jk So many people ask this question. I don't know if my answer will satisfy you, but dental and medical insurance have always been two separate categories of coverage. They were never combined. Major medical insurance, whether through your Employer when you are working or if you have an individual policy, does not cover dental expenses,. Never has. Employers often buy and/or offer this extra benefit through a dental insurance plan, and people can buy individual dental plans. If you are on Medicare, you can take a look at a Medicare Advantage plan with Dental benefits. While this is not the only reason to look at a Medicare Advantage plan, it certainly is a great perk! NOTE: If you are considering an Med Adv (MAPD) plan, I've done some videos on the the difference btwn Med Adv vs Med Supp and RX and another on how to find the BEST Med Adv plan.
Yeah these plans DO NOT cover when someine needs full dentures. I find this appalling on Medicares part as your teeth being bad and in need of full dentures affects your heart health. I can only surmise Medicare does NOT care that you worked hard all your life paid into the system all that time and they still dont cover many major health issues as such as dental issues. And yet you have to pay a large amount per month for Medicare even after paying into the System all your entire life youre still paying....and oh lets NOT forget the additional expenses for a Part D policy yet you have to meet a large deductible first which goes up every year to even greater expenses and then if you do meet deductible well then in order for you to still NOT receive good help from the Part D plan you pay dearly for each month already then already finally meet the expensive yearly deductible well lets just throw you over into thus gigantic donut hole for the rest of the year so they can get by with still not paying real benefits out for you. Yep.@cbhealthinsurance3621
I just think if are government can give free dental to a unknown migrant that has never worked or paid a tax in their life in America that they should do the same thing for someone that worked 45 years paying into the system thank you for your help I have no choice but to have my teeth fall out because in these hard times I can not afford a dental plan most old people on SS are struggling in these hard times just to pay high rent and buy food that is way overpriced if are government can combine free medical and dental for a unknown migrant they should combine it for old Americans that paid into the system their entire lives I think that would be the right thing to do. i wish they would have told me this when I was working and paying big money into the system they sure did keep it quiet. thank you for your time.@@cbhealthinsurance3621
I was so lucky to have two friends include me in a meeting with their insurance agent. I would not have known what to do correctly, but she put each of us in the right plan for our different situations. Believe it or not, Medicare has been really helpful for me. I’ve had two surgeries since 2019, and very Elder issues (73 years old. Ask a lot of people near you if they have a good agent because I think that makes all the difference. At least in my case that’s true. I hope everyone reading this gets the best outcome possible!
I am not sure why so many people are saying Medicare doesn’t cover anything. Are you on original Medicare or in a Medicare Advantage program? I had cancer right after I went on Medicare in 2019. I have original Medicare and selected a Supplement G. I originally had three diagnostic procedures, a hysterectomy, multiple CTs, 5 weeks of daily radiation and four months of chemo the first time around. Two years after the first time I had a recurrence. This time I had six weeks of radiation, multiple CTs and an MRI, a very expensive test to determine if I had cancer in my blood, and ongoing infusions every three weeks. Throughout this ordeal, I have paid $0. If I had still been working, I would have had to pay for 20% of all these things IF they were approved by insurance. Medicare Advantage programs are run by the same insurance companies that handle corporate insurance. They can turn down whatever they want. I thank God every day I chose the right insurance or I would have thousands of dollars in bills.
@noseferachoo First, I hope you are CANCER FREE now! And second, I am so glad you got the needed care you needed AND it was all covered by Medicare! Yes, Medicare is fabulous coverage for major medical claims, such as cancer, hospitalizations, surgeries, heart attacks. The list goes on and on. And yes, if you were on your Employer group plan, you would most likely have a big deductible, coinsurance, and an annual maximum out of pocket in the thousands! (kind of similar to an MAPD plan.)
Medicare G is now only available to those born before 1955. Plan F is the replacement with the main difference of a small annual deductible. Plan N is cheaper, but has some copays in addition to the small annual deductable.
@@frankanderson6233 Hi Frank, she mentioned that she has Original Medicare and a Plan G supplement. The two in combination pay 100% of approved Medicare bills EXCEPT Plan G does not pay the annual Medicare Part B deductible; for 2024 this is $240. I explain Plan G in this video: What is the BEST Medicare Supplement? ua-cam.com/video/F_QRiNhJgsk/v-deo.html
@@IHeartQuilting2 You have it backwards. Plan F has been retired I have plan G with Mutual of Omaha and I had to go to the er and was transferred by ambulance to San Antonio from Victoria. And I have received bills from every Dr that saw me. I would say I had not paid my 240 deductible. So I ca understand why they would want that amount. Unfortunately, I don’t have the money to pay it outright so making payments to local hospital. But I’m not going to pay all rest of them. I have been on social security since 2008. And I have never gone to the hospital Not even once. Now there trying to stick me with almost $1000 or more. Plan G is supposed to cover everything except your deductible which is $2.40 yearly and over $500 monthly I pay in premiums.
I’m on permanent disability and PAY FOR MY MEDICARE out of my disability every month, and I can have acupuncture, sexually transmitted disease care, counseling, and mental health medication, but I can’t go to the dentist, eye doctor, or have my hearing aids paid for? I do have very bad eyesight, am legally blind, require very strong eyeglass prescription which costs me about $350 for the lenses alone, and moderately impaired hearing that requires hearing aids, which, by the way I had to pay $2,200 out of pocket because the government doesn’t want to pay for the things we ACTUALLY NEED?! It’s unbelievable!
What about Hospice care? I have been on Hospice, but because I didn’t die in the timeframe allowed by Medicare & the Hospice group; they have dropped me & only gave me a 30 day notice to find a telemedicine doctor. I’m bedridden & extremely ill, in devastating pain, have no strength to handle this transition & don’t know what to do. I’m almost 71 & need help!! 😢 I don’t understand why Hospice is primarily for people with chronic COPD & or a disease such as cancer. They don’t seem to understand that chronic pain can also lead to death. So, in a very short time, I will have no care, no medication & no doctor! I suppose that is one sure way to make sure that I die!! It’s really a shame. The doctors I had been seeing advised me to get on Hospice, & now that they dropped me; they refuse to take me back as their patient. I have serious issues with my insides, but the doctors said I am too weak & in too much pain to endure the tests. My neck, shoulders & back & now my extremities are in devastating pain. I have chronic Hypertension, chronic arthritis, & breathing problems. I too was diagnosed with COPD, but even being on Oxygen, when I try to get to the bathroom, which is only about 4-5 feet from my bed & to the lavatory, by the time I get back to bed, I’m gasping for breath, which causes a panic attack & causes my blood pressure to go up extremely high! I also fell many times making the pain even worse. I really need help!! I don’t understand why people like myself can’t get the help we need!! I only have a short time left on Hospice! Please let me know if you have any suggestions or advice that can help me in my current situation. I would really appreciate any help!!
I hope you can find a Medicare broker that does not push Advantage plans. Regular medicare should be what you want. There is a You Tuber named Chris Westfall who is very nice, smart, and helpful. Find his channel and listen but more importantly this is the enrollment period so don't dawdle. He is VERY available by phone. Please don't feel helpless, I know it is hard to do anything, but fight for what you deserve. Don't fight with your old insurance. Find out how to get regular medicare and go on from there. He is licensed in all 50 states. Advatage Plans ARE NOT good for people who are ill.
have someone ,friend, to help you ask your insurance about home care from a nurse or aid....28 hours per week are allowed, and needs a request to medicare from your dr.or RN.you need help at home .You deserve it!
Lymphedema garments are covered as of 2024, also. Compression stockings, stockinettes, bandages, and wraps are examples of the types of things that are supposed to be covered under the Lymphedema Act that was passed in 2022 . Might want to update your audience about that. An estimate of more than 10 million people in the US have Lymphedema…more than HIV, Parkinson’s MS, MD, and ALS combined.
@pennybouman5408 Thank you for the info! I did not know this! Yes, I remember that these items were NOT covered. I also remember people calling me to ask if their Medicare Supplement would cover the items that Medicare doesn't cover, like compression socks, and I would have to tell them: No, this is not covered. If Medicare doesn't cover something, the supplement won't either. Thanks again!
But, if you are wearing compression stockings, on doctor's orders, because of a fluid retention problem in your lower legs and feet, those stockings are NOT covered ..... not a single penny is covered.
I went to my 2yr eye appointment. I was shocked to find out it was covered. She said every yr. Ive been on medicare for 7yrs. Previous optometrists always charged me$125. Counted my blessings
@patriciaboatman8423 This is wonderful news! So glad you found a optometrist who was willing to submit these expenses to Medicare! I don't know why it wasn't covered in the past. Best to you.
Halux Valgus is life altering, and the older form of correction is excruciating to recover from. If you have it in both feet, you tend not to get the other foot fixed. There is a new, less invasive technique that has you up and about in 2-3 days??🤔
My exams are covered. He bills under medical because I have a Crawford tube in my tear duct, plus I have double vision due to Graves, and..I'm on Plaquenil for Lupus
I'm so happy I made productive decisions about my finances that changed my life forever,hoping to retire next year.. Investment should always be on any creative man's heart for success in life
Yes I'm familiar with him. Fergus Waylen demonstrates an excellent understanding of market trends, making well informed decisions that leads to consistent profit
YES! that's exactly his name (Mr Fergus Waylen) I watched his interview on CNN News and so many people recommended highly about him and his trading skills, he's an expert and I'm just starting with him....From Brisbane Australia
Waylen has to be the best mentor I've met. He's copy-trading has been the best because I hop on it with $3000 and I'm up with $35,000 in profit. He's insights, information and versatility in the market is super ,
This is my first year of Medicare. And, I understand that 2023 was the last year of massage therapy. I feel like, old folks are the ones that touch more than anyone.
I agree. Seniors need regular vision help, dental health, hearing aids and exams, incontinence products and treatment and many more humane services. BTW a Chiropractic treatment corrects "subluxations" not "sublugations", as you mentioned. I hope that your agency promotes non-advantage type programs.
@Suzvideos1 Yes, yes, I know! Your the 110th person to point out my mistake! JK! My office sells all plans. I give people choices and review all options they are interested in; I do not steer them one way or another, and the majority of my clients are on Med Supps with PDP plans.
Can we talk about the “donut hole” for prescriptions!!! Absolutely disgusting! Due to the cost of some of my meds, I fall into this hole probably coming up this April 2024 (it has been earlier than this because I’d the cost of my imsulin)!
@sandybruce9092 Yes, that is a problem for many, especially if you hit it so early in the year. When my dad was alive, he was on probably 12-13 meds. And of course the Dr. gave him the latest and the greatest/most expensive drugs that the pharma reps were pushing. My parents were on a fixed budget. So we finally sat down with them and had him talk to his Dr. about changing some of these to low-cost Tier 1 or Tier 2 generic meds. things like high blood pressure, high cholesterol pills...there are so many good low-cost options. Once we did this, he went from hitting the donut hole in April to hitting it in Dec or not at all! I don't know if you can try this or not, but it never hurts to talk to your Dr. Good luck! Best to you... and remember: Next year you will only have $2k OOP!!!!
I’m hit it n May to .my Eliquis has gone up.Had t0 pay $541.00 to get the first one then the next was $94.00 and will be even higher in May .So much for lowering drug prices .Big pharma so greedy.
What about those of us who get acupuncture and don’t rely on Western medicine what about naturopathic doctors. This is absolutely insane that this is not covered.
@daofjudith Tradition health insurance (whether group health coverage, individual ACA/Obamacare policies or Medicare) has always covered items under Western medicine, which typically looks at the treatment of disease and illness, and most of the treatments are pharmaceutical in nature. Even when they started embracing the concept of Wellness and Prevention, the answer is to 'take this pill' to prevent the condition. Drugs seem to be the answer for most conditions and/or to prevent them. Unfortunately, Medicare and traditional insurance has never really covered or embraced Eastern traditions or naturopathic doctors. I don't see that changing any time soon. Keep doing what you are doing, especially if if keeps you healthy and makes you feel good!
It’s because they don’t want you doing things that might help you get better. Then they can’t order expensive test and load you up with pills. Healthy seniors equals no profit. I do Community Acupuncture when I need it, which is much less expensive than private sessions.
So this really makes a lot of sense. A large % of your elderly - senior citizens /Medicare people need hearing aids, or are hard of hearing, but Medicare won’t cover it. Glasses how many elderly do you know that don’t need glasses not very many. Dental can be very expensive when you go to a dentist and have a cavity you’re shelling out hundreds of dollars, there are many things that Medicare will not cover that have been needed to be covered for many many years. I don’t understand then you’ve got people that are abusing the system and getting things covered that elderly would love to have covered. Social Security checks are not helping people pay for housing and utilities and insurance. People on Medicare are struggling daily, just to pay their bills. Let alone have to pay all these extra charges. Something is wrong with the system. It’s up to the government and obviously they don’t care.
I’m a former smoker, started at 13 and by 25 was up to 3 packs/day (smoked “lights” so took heavy drags)!! Living in L.A. back then, coughing & hacking. Luckily heard abt an amazing acupuncturist. This fellow was trained in Asia and came highly recommended for smoking cessation. (I noted accupuncture was not listed for this particular use and think it should be if the person is specifically trained for addictive behavior.) I’m currently on Medicare and had to smoke (for a play I’d done). Never became a habitual smoker again. Medicare should cover this and perhaps hypnosis as well! Thx, DR
I have a Medicare advantage plan through United healthcare and I get medical, dental, vision, prescription drugs, and I can even go get a gym membership. All of this is paid for by my plan. I don't have to pay any extra premium for it
Medicare, please cover preventative, dental, and vision care, instead of all the unaffordable and life shattering illnesses and accidents that are caused by the body, teeth, and eyes UNNECESSARILY deteriorating!
All elected politicians and all judges and magistrates should have to have their medical care via Medicare, no matter their age, nothing else supplementing the coverage.
@@cbhealthinsurance3621 The town I moved from wanted $10,000. That is both doctors best offered surgery, they also have 3 more lower prices but no guarantee with lower priced surgeries.
Not eligible for medicaid, would like to see medical transportation available for those social security many seniors don't drive and miss medical appointments
@gloria7997 It is rather amazing how few plans cover this. It is sometimes available on Medicare Advantage plans, but it seems to me that it is a hard benefit to find. I did get some insight from my Aetna rep regarding the one plan they offer that offers this. The insurance company must hire services - reliable services - that will take good care of their clients; pick them up on time and take them to their Dr's appts. But they went through several agencies in our area that provided horrible services and it was just a nightmare for all involved. One should figure there must be a better way - maybe give seniors a Reimbursement so they can cab or uber or get someone to take them.
I cannot believe some of these items that are covered when they will not help those of us that have worked for many years and paid toward Medicare and cannot use it for common dental, podiatrists, chiropractor, which are just common treatments NECESSARY for most seniors. I am SO glad to hear that people are able to go for 10 counseling sessions to quit smoking when most of us used will power to quit many years before Medicare.
@buckeye7192 Congrats to you for quitting with will power! That is truly commendable. While Medicare is very comprehensive covering hospitalizations, surgeries, Dr.'s visits, and just about every test you can have, it does have its limits. The good news is that every year it gets a little better, a little more comprehensive. So who knows...maybe one day some of these other items you mention will be covered!
BUT, they will send out colon tests. etc. ect. and this and that tests that I DO NOT NEED to do. I will go have the test done if I have issues and need them so why am I getting these in the freakin Mail? How much are these costing us?
Two times in the last week, I had to 225.00 2 times to have YAG done on my eyes. Yesterday I paid 225.00 for a teeth cleaning and x-rays. That is 675.00 in three weeks. That is 🐂💩 !!
This is/was so helpful. I wish I had known about that freak pair of glasses after cataract surgery two years ago. I haven’t had my glasses changed since the surgery and they’re bad. I need to get glasses. I have macular degeneration now. I wish that Medicare would cover glasses for me since I have this condition.
@kayregulski6828 Glad you enjoyed this, but so sorry to hear that you didn't get new glasses after the surgery. I don't know how long ago you had this, but it might be worth a call to 1-800-medicare to ask the question if it can still be covered. I too, just learned about this. I wish more Dr.'s were aware and could share this with their patients. Best to you!
@@cbhealthinsurance3621 the glasses after cataract surgery was covered in the 1970s when I processed claims. Intraocular lenses are covered too. I have IOL correcting my distance vision and only need reading glasses for close work. ($1.25 at Dollar Tree) Now fancy prescription or special purpose IOL are not covered. The coverage is for a basic lens, no astigmatism or bifocal. My father in law had regular contacts instead of glasses after cataracts. The highly improved IOL implants and microsurgery have pretty much eliminated using applied contacts. My surgeon offered me a lens which was under testing by the manufacturer and it was amazing but it was not covered . I am quite content with my results.
BUT... it is only covered IF you are at risk for heart disease to prevent heart attack and strokes. The trouble is, obesity is associated with DIABETES and diabetes prevention and weight loss are NOT a caveat to coverage.
@@DanA-bw7rh I have high risk heart complications which involves two leaky valves which one affects the right ventricle and the other one affects the left ventricle of my heart.
When you leave the US, travelers insurance is the best deal going. It not only covers medical care, but you can get a policy that covers some hotel stays if you have a flight delay and lost luggage. This coverage is for ordinary delays and inclement weather. I don't think any company will cover acts of war.
Minor clarification. It is true that the cataract surgery that Medicare pays for will not remove your need for corrective external lenses (the surgery replaces your natural lenses with permanent artificial ones called intraocular lenses), but there are higher grades of intraocular lenses that can correct your vision to some extent if you have an amenable ocular condition. I had cataract surgery last year at age 66, paid a bit extra, and do not need external lenses for reading or for driving. I believe that Medicare will pay for the amount of the basic procedure (after paying your deductible) and the surgeon may agree to do the enhanced procedure if you pay the extra somehow. So one option to consider is to get the surgery done while you have the income to cover the enhanced procedure since, as they say, if you live long enough you will become a candidate for cataract surgery. As to the rest of it, every little bit helps I suppose, but like most government programs it helps a few very well and many not too much. Take care of yourself.
I have Medicare Advantage through Kaiser in Calif. It costs me $89 per month and includes $210 every 2 years for prescription glasses. Dental cleaning thru Delta Dental, and I just got hearing aids two weeks ago. All covered! I usually have no copay for all my medical needs, and a low copay for meds.
@leongeisberg294 That's fantastic! There are some great Advantage plans out there. My husband will be turning 65 later this year, and we are taking a look at these plans in our area. Best,
@dawnravenel2473 So glad you found this helpful! And Welcome to Medicare! Feel free to check out some of my other videos. I usually make one after I get a lot of questions from my clients who are 'new to Medicare'. Best to you!
I’m on Medicare because I’m disabled. Age 62. I pay $167 for base Medicare A&B, $375 for part G supplement, and $75 for drug coverage. This is per month. On disability. After working almost 40 years. I had Obamacare the two years before and I’m still paying off $35000 in copays and deductibles from this. My Obamacare premium was $1000 per month. I’d really like physical therapy massage. I have a bone disorder and need my joints manipulated to keep them from fusing together.
@slc1161 I'm sorry you have so many bills from the Obamacare plan; these plans were designed to have a True Out Of Pocket maximum (TROOP), which has gone up over the years. In 2014 these were around $6k for a Silver plan.; today might be closer to $8500/yr. So I'm wondering how the $35k came to be in just 2 years. Where you out of network? Or something wasn't approved? The good news is that WHEN you turn 65, you will have a 2nd OEP (Open Enrollment) when you can buy a supplement GI (guaranteed issue) and the price will be WAY LESS. In the interim.... between now at age 62 to three years from now when you turn 65, if you can't swing the premium for the supplement, you could look at MAPD. You can do this during the annual open enrollment Oct 15th-Dec 7th. Again, when you turn 65, you can buy a med supp GI regardless of your health. So food for thought.
@tamarabeinlich7353 Haha! Yes, this made me chuckle too... and coverage for pregnancy...? Is that really needed at that age? Glad you can find the humor in things. We need more of that! 🙂 Keep on smiling and laughing!
@@cbhealthinsurance3621 Do they really need a counselor to tell them to wear a condom? LMAO! My "Free Love" generation is so stupid. 🙂 I'd rather money be spent on giving them free condoms.
Hearing aids were not covered! They gave you the name of businesses who supposedly gave a DISCOUNT I still paid over $2000 for my hearing aids which are a necessity for me!
@wendyf8262 Right! Hearing aids are not covered by Original Medicare. Many of the Medicare Advantage plans offer some coverage for hearing aids, but it does vary by plan. Having coverage under a plan does not mean the hearing aids are free. The 'better plans' have a copayment per hearing aid, it can be as much as $500-600. Other plans may only give a discount like you got. Keep in mind a pair of hearing aids can run $5-6k. So while it might seem high, paying only $2k is a huge discount. Which means your discount could be 60% or more. That is significant. I don't know which you have - Original Medicare or a Medicare Advantage plan. When my Dad was alive he paid over $5k for his hearing aids; no discount. My parents were on a tight budget and had to set up a payment plan. Medicare should really look at offering more discounts or benefits, especially to lower income people who might not qualify for Medicaid.
@@cbhealthinsurance3621 When you add in what you pay in for Medicare and the outside insurance to cover what medicare does not cover and prescriptions and hearing and vision and dental and deductables and copays it's over $600 a month. A scam on the American public and they the govt controls your doctor because they know better than your doctor.
My eye exam and glasses were covered At Americas best and contacts I got the exam, 6 months of contacts and a pair of bifocals (stream, line) for 180.00
After my cataract surgery, Medicare denied my claim for a payment on my glasses because I had not met my deductible in 2024. I had the surgeries in October and November 2023. I ordered the glasses in December 2023. The glasses were delivered to my doctor in January 2024. Medicare told my doctor’s billing department that the deductible requirement applies to the cataract glasses policy. That was news to my doctor’s billing department. Be careful when you have your surgery and order your glasses if you want help from Medicare.
@MrsMonty1 That is truly unfortunate! Yes, the glasses would fall under the Medicare Part B/outpatient services, and there is an annual deductible that must be met each year. But that really stinks that the glasses came to the Dr. SO many months AFTER the surgery. I don't know if you can get the date of services billed to be changed, have the claim reprocessed, and have it billed for December 2023. It might worth a try. Again, that just doesn't seem right to me.
I'm 73 years old. I've never used Medicare. I'm lean, fit and healthy. One of the primary reasons for my excellent health is that I have Humana and I get free Silver Sneakers access to a really nice local gym, and on-line, exercise programs. My gym costs young people $65 a month. It costs me zero. It has all of the usual gym stuff plus a pool, and an indoor walking track.
Yep, mine even has an indoor pool. Since I had knee replacement a few years ago and all I had to pay was deductible. $100.00. I had been self employed for several years so this has been a blessing.
@Tom-Travels Good for you! You are taking care of yourself, and Humana has some great MAPD plans. While these plans are not for everyone, they are great if you are healthy, want to save money on premiums (vs the cost of a Med Supp) and you use the PERKS like SilverSneakers, and dental and vision and OTC. So many benefits. I am glad Medicare recipients still have a choice - Med Supp and RX or MAPD, and nationwide it is about a 50/50 split; although they are predicting more people moving to advantage plans as the cost of everything goes up. My husbands turns 65 later this and we plan to do the Advantage plan for him. LIke you, he works out regularly, eats right...well, most of the time - ha ha! And is on NO medications! Glad to hear you are doing so well and are happy with your plan!
@jessicamalley6201 Big Pharma has one of the biggest if not biggest lobbying groups in the country; so they clearly have the ears, eyes, and attention of politicians.
What's bad is that if a patent is about to end and a generic will soon appear on the market. The company can change something with the formulation and then the company starts another round of patenting protection. This is how some of the expensive meds stay expensive.
@debraperson4571 You're welcome! Thanks for watching. I think I might be making a video about ALL the preventative services covered by Medicare; there is quite a lot of services covered. It's a long list and a good thing!
@sheilanoel1537 Medicare does cover screenings for skin cancer. While labs are covered at 100% for diagnostic tests, there are a number of preventative services covered under Medicare. Most are listed in the Medicare and You Guide, but it might be a topic of a future video because this question comes up quite often.
@charlottepaschal2454 You are very welcome! Glad you enjoyed the video. The book is a monster for sure! Even working in this business for years, I seem to learn new and find new things listed in the book. They do update it every year with changes. It is very handy if you have insomnia - grab the book and read it. It will put you right to sleep! Ha ha!
If you have peripheral neuropathy Medicare covers toe nail trimming and foot inspections by a podiatrist 4x per year if you see a PCP every six months.
what about general eye exams for other disorder? such as cataracts. when I had other health insurance, they would always cover the exam, the doctor would write the RX for the glasses and bill for a general exam
@110311DONTWANTCHANNE Cataracts surgery is covered! I cover what is and isn't covered related to the eyes in the video called: "Is VISION covered by Medicare?" ua-cam.com/video/WqM094bTuEY/v-deo.html
@@cbhealthinsurance3621i'm talking about just getting a general eye exam to screen for any disease....and the doc just happens to write an Rx for glasses after finding no disease...insurance like Aetna used to cover that.
H Medicare also covers Acupuncture for Neuropathy in feet not related to Diabetes. I had multiple surgeries for varicose veins over several years and nerves were cut to access veins leading to the neuropathy in my feet.
@@marymcqueen2043 Yes indeed! Most Medicare Advantage plans include Dental and hearing and Vision for FREE, or no extra cost. We had a carrier in IL (BCBS of IL) that had a rider that you had to add for a monthly premium in order to get these benefits. I don't know if they still do that. Clearly not a popular option if you can pick another carrier that includes these benefits.
Dental, vision, hearing aid, mobility devices. Seniors get basically nothing even though we've earned it. I won't go to a Dr. unless I'm at deaths door, the care I get is inhumane. Not to mention the list of health care providers is a very short one with unreasonable waiting periods.
With Accupuncture-covers 12 sessions with low back pain…does it pay for the additional 8 if meet the requirement if improving? It has helped me tremendously! I have last of 12 sessions next week.
@sarasue9011 That's terrific news - that this is helping your back pain! I personally tried acupuncture decades ago to help with my immunity; unfortunately it didn't help me, but I found other things that did. I know many people have said wonderful things about the benefits of acupuncture. As far as getting more sessions, I wonder if this is like PT. Medicare will pay for physical therapy for a limited number of sessions. The goal is for you to get better and stay better! If there needs to be more sessions, it can be approved. But generally speaking, if you are not getting better and progressing, Medicare typically won't continue to pay indefinitely for PT. I'm going to venture to guess this might be the case with accupuncture. You may want to ask your Accupuncutrist (is that a word?) They might know better if Medicare has ever extended or allowed more sessions.
Unfortunately, acupuncture for low back pain is the only thing that Medicare covers. What about other things that people are using acupuncture for??? This is insane I am so disgusted.
![The Beat With Ari Melber [6PM] 9/11/2024 | 🅼🆂🅽🅱️🅲 BREAKING NEWS Today September 11, 2024](http://i.ytimg.com/vi/WfXtkIiJ9GE/mqdefault.jpg)
It is insane there isn't vision and dental for seniors.
There is if u have an Advantage…
Vision and dental are health care needs!! They should be with regular Medicare, then if you have a supplement, not Advantage (which sucks), they would be covered. We need to advocate for Medicare to cover dental and vision as health care needs.
Good luck finding a psychologist ! Hardly any take Medicare
Or physicals, and more
Why can’t u pay for your own vision and dental?
If our Senators and Representatives had to accept Medicare as there retirement coverage, things would change in a heartbeat.
That is IT in a nutshell!!! I should not be penalized because of my age!!!😊
Amen
It should be mandatory for those holding the office.
I agree they should have to search out like we do. And it can be costly
😊
@@dbell4444 The general public has no idea how expensive it can be.
If Congress and senate were on Medicare and SS I bet it would be great!
They recieve Tricare , *THE BEST OF EVERYTHING*
They should be on it, especially those old farts!
@@debbiec6216military healthcare
My husband is AF Vet but we get nothing from military!!😢
Sure it would. I’m 60 I doubt there will be anything for me and husband in 5 years!!
Dental coverage would make a huge difference in health outcomes.
I agree!
I see you believe in miracles....don't hold your breath! 😊
Yes not just cleaning
@@Conny226 Dental diseases are the root of many highly profitable medical procedures and pills. It would be a catastrophe to the Medical Mafia if the root causes of too many diseases were effectively treated.
I have dental coverage on True Blue thru Blue Shield supplemental. 0 monthly premium as well.
We need Dental and Vision Care....
LOL what advantage pays is a joke !
@@robertpendergrass7996It depends on your state. My plan covers vision, hearing and dental. Dental pays annual preventive exams, partial coverage of root canals, etc. And my plan coverage $3500 in addition to all preventative items.
Vision is covered if you’re a diabetic.
@@terrisiler1438advantage is designed to enrich insurance companies and reduce Medicare effectiveness. Advantage is insurance companies taking our hard-earned tax dollars.
Buying an advantage plan to get dental and vision covered is like buying auto insurance to cover headlights and tires. You're going to be in real trouble if you have an actual accident.
Actually seniors need hearing aids; dental and eye care. Our government continues to charge us to pay into Medicare and then charge a ridiculous amount for all 3 of the above. It’s outrageous but these politicians get everything covered for life!
We’re paying higher premiums then lot of these people under Obamacare, but they get way better benefits. most of them aren’t living on fixed incomes like us, they even have more opportunity to do odd jobs to make cash money.
Those are needed not only for health but safety. We see more injuries related to bicycles let alone autos, injure elderly with less acute hearing,
After ensuring the illegals get free food, housing and medical, there’s nothing left for seniors and veterans.
I find it mind boggling to don't cover dental. They could put a cap on how much .
But then they'd know what was going on if the could see, hear and eat.
For the price we pay...at a minimum basic dental and eye exams should be covered, as both of those are key elements of general health care!
And hearing.
Exactly 🤍🤍🤍🙏🏻🙏🏻🙏🏻
For the price you pay? Medicare is operating at a trillion dollar loss. You are paying half the rate on private insurance, and the benefits are much better.
what'd you say??@@kimsargeant8126
@@ppumpkin3282True. And dental coverage would be a huge addition of costs.
Hearing aids, dental, glasses, meds this what seniors need
Absolutely !!!!
Pensioners in most countries get these things free.
@@user-gf1jt2hp4mIt's paid for by those still working, paying into the pension pool. Nothing is ever free..
Medicare pays 100% for me. I have part d advantage plan.
And to be able to pick our own doctors
Seniors need all of this to be covered under original Medicare and not an Advantage Plan which is a rip off.
You are so right that Medicare advantage plan is so bad they are l I got caught up in there lies and it took me 3 months back and forth on the phone for hrs getting back on Medicare!
Yea only on advanced plan
Medicare advantage plans suck.
Medicare Advantage plans vary even within the same state.Been pretty good for me ,so far in Orange County Calif..
Advantage plans are a rip off.
I just retired after working 34 years as a respiratory therapist and I have to say, I always bitched "why do these older people always wait unti their last breath to get into the ER!??? Well , NOW I KNOW ! Medicare that they have work and paid into their (and MY) entire lives and careers ...DOESNT PAY FOR SHIT ! They cant afford to come in until they are afraid they might die for F's sake ! This has been an eye opening slap in the face to pay all of those years and now I am paying so much , hundreds , for any tests or necessary things I need to get done ! And seeing I only have one perscription and didnt want to pay more for coverage than that one perscription costs I will be charged even more if I decide to get the coverage later on.... they are scamming seniors !!! This is sad ! It actually seems criminal !
Well said!
Thankyou , I had heart surgery at five years old . I've seen the changes in the medical field for years . Didn't understand my dad's words in 1967 . He came home extremely mad , and seid there was no reason for big business to be in the medical field that is not what it is about .
Now I know . He when retired was angry at how much medicine cost .
It's so sad .it's all about money .
Thankyou for your comment .
I pay more for Supplemental Health Insurance. So far I haven’t received one bill from any physicians. Since commenting, I’ve gotten bills and made the payments in installments.
Preach on, it’s ALL true!
Just wait until you find out that Medicare has been in the process since the ACA was enacted to railroad ALL traditional Medicare beneficiaries into Advantage/HMO style plans, called Accountable Care Organizations, by 2030. This process has been going on behind our backs without our approval or consent nor any congressional oversight.
Medicare should be free for anyone on social security and it needs to cover meds, dental, eye exams and glasses as well as hearing aids.
Here's an article that you might find interesting on the real cost of Medicare:
www.kff.org/medicare/issue-brief/faqs-on-medicare-financing-and-trust-fund-solvency/
Why Should it be free?
I agree 💯
Don't use fluoride and you may not need a dentist. I use baking soda and salt mixed into coconut oil. My teeth are super healthy.
@@carolinemarie44 I switched to baking soda tooth paste years ago and love it! Unfortunately, I have terrible teeth... I think it is hereditary. Baking soda goes a great way to balance your PH in your body and make it more alkaline vs acidic. when your body is acidic you can't fight diseases.
I used to get Bronchitis all the time. When I start to get sick or run down, I put a little baking soda in water and drink a few glasses a day or during the week.
If you want to try something fun, go to the drug store and get the PH strips. You can test the Ph levels in your mouth after drinking coffee or wine, vs eating food that help your PH balance like cantaloupe or cucumbers or celery. You can do the same with water and baking soda. Drink coffee - test our Ph and it will be bright yellow... very acidic. Drink the baking soda water or eat a cucumber and test again; the strip will be bright blue - more alkaline!
There are books on having a more PH-balanced diet, but honestly, I know I can't stick to it 100%. I still love my wine, cheese, meats, and breads. But I suppose everything in moderation! 😀
Medicare does not pay for what truly costs seniors far too much . Dental or reasonable dental insurance and hearing aids. These elderly go without
That's so right 😢😢😢
You are right !
Need more dental coverage
including lens prescription for eye glasses.
Unless you get an advantage plan, but a lot of people regret those for other reasons.
My husband and I have Aetna Medicare Advantage plan that covers $2,500 dental (they paid $700 for my crown) we have vision, hearing, dental, $180 over the counter products (each for total $360) no deductible, prescription coverage, no co pay for primary physician, people seem to think Advantage plans are bad..that hasn’t been the case for us..I’d recommend an Advantage plan!
YOU worked DAMN NEAR ALL OF YOUR LIFE, PAY INTO MEDICARE AND WHEN YOU RETIRED STILL PAYING THEM (MORE MONEY I SHOULD ADD) AND THEY HAVE THE AUDACITY TO SAY, ONE STILL PAYS CO-PAY, 20% of HOSPITAL FEES, (THEY DON'T COVER THIS/THEY DON'T COVER THAT)!!! INCREASE YEARLY!!! WHY ARE WE PAYING THEM ANYTHING?!!!!!!!!!
They tried to get rid of the 20% but it was voted down - twice.
Vote into office people who want a National Healthcare System where everything is covered. And BTW, something is better than nothing. You have 6 months after you turn 65 to select a secondary insurance.
My neighbor doesn't have a co-pay.
He's a military veteran and Medicare doesn't make him pay anything.
I'm not sure how it works, I just know that it's all covered.
Medicare is one of the greatest benefits around. People pay in far less than the benefits they will eventually receive. Just look at the price of an ER visit or a surgery or even a few days in the hospital.
@@SnartNik DENTAL is one of the highest if NOT the highest BILL one could have. DO Medicare cover FULL dental? I think not.
They need to cover full dentures for heart reasons that affects health when your teeth are bad that can have big issues on your heart.
It might be covered due to a medical issue. Your oral surgeon or dentist should write a letter due to a certain diagnosis. Check into it with your PCP too to help write a letter. Good luck.
It's ridiculous that it's not covered, yet marriage counciling, and STD's are.
Yes my mom had to have all her teeth pulled before she could have her bypass and aortic valve replacement bc we couldn’t afford dental insurance . I’m on Keytrudia now and have a bad tooth that can’t be pulled or have any work done until the treatments are over so I pay for antibiotics. If I’d had the money I would have had it done 2 months ago but I’m still paying down $800 for a pulled tooth a year ago. My mom went in California’s MedcAid so that covered it luckily
they need to cover dentures for a persons mental health as well
@@philmiska7295 i don't know where you live but if you look up M.O.M it's a group of doctors that have clinics allover the world and they pull teeth and whatever else they can to make you comfortable it's over a weekend and everything is totally free and also there is one through lions club (in Alaska it's the lions club) and there free you might check good luck
who the hell can afford 8,000 out of pocket for drugs on 1300 a month?
@geohac2456 Few if any seniors! I'm told very few Medicare recipients get to this level, but still.. way too high! Again, this is changing next year. So that's good news! At $1300/month you should be eligible for Extra Help to pay Part D costs. "To be eligible for Extra Help, your annual income must be limited to $22,590 for a person" You can contact SS if don't have this now, but hopefully you do!
Depends on what state you're in. In California, there's Medi-Medi which provides very low income MediCare recipients with MediCal. Rx's are usually covered but you might have to switch to generics.
You're obviously confused and I'll informed
I saw where they were going to have a 2K deductible on the medicines. When it comes to January the 1st it starts all over again.
The government is trying to kill us. Ha
Time for dental to be covered. Not fully. Most will want $30,000 worth of work done. Just basic coverage would be nice. Cleaning, fillings and extractions. Give us seniors something.
They and vision are covered by my Humana advantage PPO
Stay with straight medicare and a supplement. Advantage Plans are a joke !!!
And the dental field isn't regulated
It's already covered it's been covered for years the problem is with people that don't have any teeth and need dentures some of us really need dentures why don't you help with that
@@alisadunagan5672 Medicare Advantage is a private insurance, not Medicare which doesn’t have dental for the most part. If you are in an accident I think some things are covered.
Let the politicians have the same coverage as Americans do they would change the coverage in a heart beat ah right!
Our senior citizens deserve top notch care and coverage. Our system disgusts me.
So does this FN antitrust who is taking care of all the needs and money he's taking from us to give to the illegal immigrants! There's enough taxpayers money for that but not for the people who worked there whole lives and are now on social security !
Agree
I agree
Nothing will stop seniors from aging, dying. I am 80. Too many go to doctors. Try natural, holistic.
Yep we should have Universal Healthcare it’s Criminal
The fact you are required to take a Prescription Plan....and when you hit $8000m its ridiculous for seniors on a fixed income
@bordereau1 Medicare Part D in IL runs from $0 to about $100/month. WellCare has a $0 premium drug card, and we moved many of my clients to this plan. My mom is on the plan and is currently with my sister in FL. It covers her nationwide and covers all her medications - she is on about a dozen. NOTE: There are also many MAPD plans (Medicare Advantage with Prescription Drug) that are PPO plans for $0 premium per month. If someone is currently taking no medications and wants a supplement plan, we recommend they do the $0 premium WellCare plan. Costs nothing and avoids the penalty!
Amen
@@cbhealthinsurance3621 I have a great plan through Humana. Thank you
@@cbhealthinsurance3621I am employed with healthcare insurance which covers both myself and my husband. When he turned 65, he signed up for Medicare Part A only, as required. He didn’t sign up for any other parts because he is still covered under my employer’s health insurance. I plan to continue working until at least 67 (and maybe even longer because a medication I take is not covered under Medicare) and continue to use the healthcare insurance provided by my employer. At whatever point I retire and we sign up for the other parts of Medicare, are we both going to be penalized for Part D because we didn’t sign up for it at the very beginning, even though we both had drug coverage through my employer?
Cbhealth: do you check your clients lists of drugs to see if the $0 plan includes their meds or what tier they're on? Quite a disservice if you don't! Co-pays or full price can outweigh a higher monthly premium.
Incontinence products should be covered.
Thanks, Mr. Biden for your comment.
Frequent Osteoporosis DEXA scans would be useful too.
@terrisiler1438 please. Inform the name of your plan. I have advantage and it is not covered.
I agree. Urinary catheters are covered which helps, but not depends
Get your Dr to write the prescription
The things we need are not covered. I do not need a diagnostic exam to tell me my hearing is failing. Hearing aides, glasses and dental are what really costs us money!
You are the only person I have found on UA-cam to get right to the point and not drag out videos to 20/30 minutes of those people that love to talk. Thank you!! Thank you!! Thank you!!
@MichaelsHomeCooking Thank you Michael! I do appreciate the comment. When I started the channel for my clients, the goal was to make videos from 5-10 minutes long to help explain complex topics and put them into simple, easy to understand terms. I have to admit, this is one of my longer videos, but I try to stay on topic and keep to the point. Thanks again!
@@cbhealthinsurance3621what did you say about chiropractor
@@cbhealthinsurance3621I’m 67 I’m listed by Medicare as Obie’s overweight. I’ve gained weight as result of back injury,,,my question…ARE THE WEIGHT LOSS DRUGS COVERED UNDER MEDICARE, I HANEVA SECONDARY UNITED HEALTH CARE ….IM SONCONFUSED AND FRUSTRATED…..CAN YOUBANSWER THIS FOR ME
It is just about impossible to find therapists that take Medicare!!! The Medicare coverage is so low, therapists don’t want to take Medicare patients 😢
And most medical practices limit the number of Medicare patients they’ll take on. Apparently, there isn’t enough profit with treating Medicare patients.
@@kathimeci5179 i didn't realize a provider could limit the number of medicare patients it has. it is my understanding, if they accept medicare, they have to see medicare patients
I have a $40 copay for a therapist. I see her online. I sought a diagnosis after I retired, because I needed to know. I saw a psychologist who does do testing. Told me they may not cover it, just so I knew, it would have been $2000. I was ok with that. She said her staff is good about resubmitting. They paid the entire amount. Shocked and relieved.
You got that one right!
Medicare Part A is the gravy train for therapies... too bad the Affordable Care Act destroyed Medicare ... people are lied to daily by these criminal HMO Plans they try to sell on T V ...
They have to send 60 BILLION to foreign countries who never paid a penny into it. Thats why they won't help seniors! They are covered 100 percent. Why not seniors!!!???
Look at the tax cuts given to corporations and the rich. Those who do NOT pay any taxes! That should be your concern!
You watch too many Trump lies. Most of our taxes subsidized toxic food and oil and so Elon Musk can play astronaut. So you don't want to fund Nato? The only thing keeping Russia out of your backyard? BTW Nato countries pay plenty into it but did you forget were the richest country in the world? So are you saying we shouldn't pay our fair share???
GVT. FULL OF TRAITOR'S to the GALLOWS
Dems work to expand. GOP running on cutting Medicare and SS. Vote Blue.
Absolutely
Remember, health insurance is for making the health insurance industry richer. It always achieves that. It achieves that best when it denies you care.
That is precisely the reason people should avoid Medicare so-called advantage plans like the plague. You are giving up your traditional Medicare and going back into for-profit insurance companies. It’s very difficult to get back on traditional Medicare. If you go straight into a Medicare (dis)Advantage plan, you are surrendering your only chance to be on a supplemental without discrimination for pre-existing conditions. Yes, there’s that glaring exception on traditional Medicare enrollment that requires people getting off disadvantage plans to go through underwriting and hope there’s an affordable plan that will take you with all your healthcare needs. Don’t fall for the cheap and inadequate vision, hearing, dental come-on plans. Look at the restrictions such as where you might go if you get a cancer diagnosis, how you have to appeal the denials, does the plan really have as many providers and specialists as they claim, what happens if you are away from home and outside of your plans geographical limitations. Also, it’s critical to remember that Medicare (dis)Advantage plans are only set for one year. They can and do raise deductibles, eliminate covered conditions or add-ons, lose providers all year long, and various other changes that you are locked into unless you change plans again. Traditional Medicare plans are far more static and stable. You can use it anywhere in the US and all of the territories. Traditional Medicare plans are administered by the government with a rock bottom overhead/admin of only 3-7% with everything else going to patient care. There is legislation, stalled in the House, that would deny the huge insurance monopolies the use of the word Medicare for their for-profit plans. You have actually given up Medicare if you are persuaded or deceived into shifting to a disadvantage plan.
Hopefully most of us who are old enough to be on Medicare remember when we were kids, the vast majority of people didn't have health insurance and our healthcare was far superior at far less cost. I think that for many, it also caused people to try to adopt healthier lifestyles to hopefully avoid most medical expenses.
Yes, one only need read Corporate America’s annual reports and executive salaries and benefits to understand the high costs to which we are subject.
I worked as head nurse for a small gastroenterology practice. I spent Huge amounts of time on the phone with insurance companies attempting to get coverage for medications, procedures, and tests that the doctor had prescribed. The rules of coverage are made by money men, not medical personnel.
@@kathimeci5179 Mainly it is the bonuses that they get. That can easily give them a big eight figure income. Then we have someone buying a company and the person decides he wants draw an eight figure income and greatly raises the price on certain drugs. There hasn't been any new R&D expenditure but the owner wants to draw a bigger paycheck.
WE work all our lives for nothing… Hearing aids, dental and glasses would be nice! I’m wearing glasses that are 6 years old because I can’t afford them and I DO HAVE AN EYE DISEASE! I now STRUGGLE to see… Thanks a lot Medicare for preferring some of us JUST GO BLIND unless we have Cataracts… It’s SHAMEFUL! 😢
I’m getting my cataracts removed and that is free.
I am an acupuncturist who treats chronic pain. And indeed, Medicare says they will cover acupuncture for low back pain, but only an MD can perform the acupuncture licensed acupuncturist are not covered under Medicare. Good luck finding an MD that will give you an acupuncture treatment. It’s very time-consuming, and most of these want to turn over their treatment rooms every 15 minutes.
@BonnieCalifornia Hi Bonnie, Thank you for sharing and your comments.
This is just so absurd to me that you have to see an MD to get this covered. Why would and MD get certified as an acupuncturist?
Things that make you go hmm...
Yes try and find a MD that has had the number of hours of training that an acupuncturist has had. Chiropractors take like only 200 hours of acupuncture training as opposed to 3500 an acupuncturist takes. Look for a Chinese MD as doctors in China are often trained in TCM too.
@@pjw1016 Good tip! thanks for sharing!
So, in other words Medicare isn’t really doing crap for most of us, and a very few things for a very few people.
That is a ridiculous and ignorant statement, but I guess you won’t care then when the finally get rid of the “entitlement” programs of Medicare and Social Security…right?
Nailed it!
Just with the research alone, showing how poor Dental Health leads to Heart issues, should be enough to show how Dental coverage for Seniors is needed !
Medicare NEEDS to cover dental including crowns and partials, orthotics, chiropractic on arms, legs, joints and vision as new perscriptions are needed. Also ALL RX plans need to cover compounded medicine as I have to pay for all my meds out of pocket.
Medicare should provide basic teeth cleaning, also.
Sure should. My teeth are cleaned 4 times a year at $90. x three and $180. for the fourth plus x-rays. I've had to do that for at least 20 years. Medicare Advantage covers nothing.
Local dental hygiene schools do it for low cost. The students need patients. They do a great job.
What I’m sick about being bombarded by calls to sign up for Medicare Advantage… hell no
Why not ? We have one and it pays for our glasses dental and other things..
@@pattypierce8189Manages care- you’re at the mercy of an insurance company. Large co-pays and deductibles. Average commission on an Advantage Plan, $600 to $800. I hope your health is good and stays that way. You could be hot with some very large expenses and limited choices. Advantage plans are only required to cover what Medicare covers, you are responsible for 20%, serious illnesses could be very expensive. These plans can change dramatically. True, they generally include drug coverage and have annual limits, usually around $8K and rising. Just don’t get sick toward the end of the year. Maximum out of pocket resets every January.
But, while premiums are low, they come with high (3k-5k) deductibles if you need a surgery and/or hospital stay.
Bariatric surgery is ridiculous! Seniors need eyes, dental, hearing exams! Older seniors also need toenail trimming from a professional. Ugh. Frustrating.
My mom had her toenails being clipped covered 🤷♀️
toenail care is covered by a podiatrist in my experience
If ou needed bariatric surgery fo health reasons you would be glad its covered. I assume your skinny. ugh
I think it's sad that surgery if you're fat is covered, marriage therapies are covered, sexually transmitted disease issues covered, etc. Well, not sad for those who need that, and I'm not going to debate about the choices that get people into those situations! All the other areas you mentioned I already knew are covered. BUT the items that older Americans really need are NOT covered: refractions, eyeglasses (not regarding cataracts), hearing aids, dental, annual medical checkups. How many elderly people do you know that their teeth are rotting and need filled cavities or their teeth are falling out and then they need dentures? How many elderly people need stronger and stronger glasses? How many elderly people do you know who are losing their hearing and need hearing aids (NOT just a test for it)? And how many elderly people would just like to have an annual checkup? It's great that Medicare covers so many things, and YES if you're super sick or need surgery....I'm not knocking that. But what if you're relatively healthy. If you are healthy, all your medical bills are through the roof for all those basic things that Medicare does NOT cover. End of rant.
Keep ranting! You are so right!
Thanks. Don't get me wrong, I am very thankful to live in a country that has a program like Medicare. When we were first on it, we had an advantage plan, but waiting to see a dr was an ongoing problem. A supplemental plan is somewhat better but costs $. I cringe when I think some in our administration want to go for a socialist type medical plan. I know people in those type countries who have waited more than 6 months to see a specialist, and then another several months for treatment. And don't get me started about the folks here in USA who get their medical plan FREE etc etc.@@kathygann7632
we are allowed an annual review, well woman exam, mammogram, with no copay or deductible. Bone density and diagnostic colon testing (including colonoscopy ) are covered at no decuctible or co insurance.
@@clairewood7416How about just buy me dentures, is that too much to ask? I don't need those tests, but I do need to chew food, and I would like to not be in pain because I can't afford plan C, D, or E.
❤ lt is outrages! My heart goes out to all in need of basic necessary health needs when they get older, do not forget that we will be them as well!❤
I think ostomy supplies should be fully covered along with incontinence supplies and limphedema supplies.
I processed ostomy supplies for years. They do have different allowable amounts but still covered
Absolutely. Those conditions are serious and truly should be covered.
Ostomy supplies are covered. Also, just heard on the news that lymphadema wraps will be covered next year under durable medical. My brother's were almost $1000 so I get you there.
Harry Reid once said which is the best thing I've ever heard him say he said I don't know why Medicare when it was created does not cover eyes teeth ears and feet does so does that mean that elderly people are not supposed to see hear eat or walk using microphone no punctuation
I just got charged $500 for an extraction by a dentist! When I lived at Lake Tahoe in the 1980’s a dentist there charged me just $50 to extract a Wisdom Tooth. How did it go up 8X in just that amount of time?? Dentists charge too much!
@jmseipp Yes, dental work is VERY Expensive! I should know; I've personally paid over 15k in a period of about 5 years and that's with insurance! And many of the caps and crowns have fallen out or had to be replaced. My husband has better teeth than me, but he does go about 3 times a year for cleanings that can be $185 each. That is why we are considering a Medicare Advantage plan with good dental benefits when he turns 65 soon... me, I have to wait a half a dozen more years.. I'm a baby! Ha ha!
@@cbhealthinsurance3621 Be very careful about going onto a Medicare Advantage Plan. Do lots of research first. Once you leave Real Medicare you may never be able to come back. Lots of horror stories about Being denied, Denied, DENIED for treatment on Medicare Advantage plans. They’re NOT Medicare. Plenty of warning videos here on youtube about Medicare Advantage plans.
The guy who signed me up with a Cigna Supplemental Plan just did a video on how he goes to Dental Hygienist Schools. He says they’re GREAT! and they really need patients. The students are overseen every step of the way by actual dentists who watch them very carefully. And they can refer you to dental schools who also are really great and do great work. I’m starting to look into them in the Houston area.
@@cbhealthinsurance3621\ 12:21
Small breasted young women photographs
That’s 45 years ago.
@@Dbb27 Right. But why would it cost 8X more?
I am not Diabetic. I was refused a shot for Shingles in 2015 when I was thrown into useless Medicare. I am not fat. I am not Diabetic, I am thin, do not require Bariatric surgery. Cancer surviver with Bone Pain. My doctor gives me a shot once a month, not covered. When I had cataract surgery for both eyes, my eyes exam after surgery was not covered, glasses were not covered. I do not wear glasses. I had one eye new lens for reading and the other lens for distance. I was told I would not adjust to that at 71, but I have done well. Today is my 74th birthday, I do not need counseling, treatment for an STD, I am not pregnant at my age, do not need hearing screening. Every new coverage will not benefit me. I do need dental work, Not Covered. My additional out of pocket insurance does not cover much. My separate plan for medication does not cover Methocarbamol which helps the bone pain. Additional 25 dollars per month. Wish Medicare covered something useful.
Me, too!
Thank you for posting this. My husband wants us to switch to Medicare and I refuse to. My mom was on it and one drug that worked for her they refused to pay for. So she suffered taking everything but the one that could help her. I would get the shingles one even though the new one causes a slight side effect. I have had shingles 3 times but I do not suffer from the pain it causes others. The last 2 times it was near my eye. I didn’t want to risk blindness. Just a thought. But I am thankful you took the time to post !
I had to make a few calls, but I got my methocarbamol covered ... when the other stuff wasn't working after years.
Happy Birthday anyway.
Happy Birthday, I know it’s hard!!! Our local hospital has feces and bats all in it. Nobody is doing anything about it. God bless you, we are all in the same boat!
Hearing aids should be covered. Safety and quality of life
I got $1,250 per ear in 2023.
Now it covers cataracts? I spent my savings to get my eyes done. I was blind in one eye. It grew so fast.
@@brendaplunkett8659 Medicare has been covering cateract surgery and aftercare for quite a while. My Mom had it done 7 years ago and only had a copay. One of the eye drops was not covered but not terribly expensive ($35).
I suppose they had to choose between the 2 and thought if we give them glasses they ought to be able to read lips.
And glasses for heavens sake
So apparently I signed up “ late” for Medicare and now I am being charged $22.00 a month forever more as a penalty. How is this even remotely possible ⁉️⁉️⁉️
What was the reason for the "late" permanent fee? What had you done wrong, specifically, to help others not make the same mistake.?
Costco has an audiologist. The exam is free and the hearing aids are half the cost! Cannot beat it!
OMG! That's AMAZING! I did not know! Do you have to be a member? I assume so. I know that Costco started selling a health insurance plan that covers some basic stuff like Dr.'s visits for a small annual fee. I also know that you don't have to be a member to use their pharmacy; the law doesn't let them charge a fee for the pharmacy benefit. And I'm told that they have some of the lowest retail drug prices compared to any of the large RX chains (like Walgreens, CVS, etc.)
No membership required! I am an occupational health nurse. The quality of the exam was excellent. The quality of the hearing aids was much better than the free standing hearing hearing aid businesses in town.
ALSO...Costco has the cheapest self pay pricing on most prescription drugs. The pharmacy is also "no membership required".
In order to get the pharmacy discount you have to be a member they ask to scan your card.
@cbhealthinsurance3621 They do have great deals on OTC medications and also suppliments. They're really good quality too.
My neighbor takes something called Move Free and Costco has the best price on that. There's also a generic but he likes the brand name one. He says it works better for him.
Thx
None of these supposed perks ever apply to me. I just pay and pay and don’t get anything.
Amen
the key is always "medically necessary" -why would I seek treatment if it wasn't "medically necessary"???
Same
Agree 👍
Try being the age before Medicare kicks in and retired at 62. EXPENSIVE Obamacare which is just catastrophic hospitalization coverage with huge deductibles than never seem to clock down. Catastrophic coverage such as the old "Blue Million" used to be less than $100 a month before government started meddling.
Start investing in Mobile Businesses, such as Dentistry, Eye exams & treatments, hearing tests and Aids exams with the variety of choices for the hearing aids as part of the exams.
There are many, many adults over 65 for whom traveling to an office is very difficult and/or impossible.
Not all Seniors have a caregiver, part-time, full-time, weekly, or monthly.
Not all Seniors are competent to drive, have a safe vehicle, or even someone else who is reliable to help or live near public transportation.
I am thankful a few pharmacies are offering home delivery of prescriptions.
Retired RN here, with Home Health Care and Hospice Home Care experience.
No Drugs should be mandatory, PERIOD, under the guise that are preventing anything. Everybody is different and drugs are not one size fits all. That's a red flag right there.
I just had a nite from my prescription people that a certain drug is not in their list! Well, this is exactly the same drug I’ve been taking for years but it now has a generic! I will be having a very long talk with them!!!
@@sandybruce9092I have one that I took for 30 years.And then my doctor retired and being with a new doctor I was told it was no longer available to me. Excuse me? Why? Refused to answer! Still don't know and new doctor won't prescribe the only one they will allow and it's the only other one that works.
Totally correct. Those of us who are not fat, not diabetic and have taken care of ourselves suffer for those the who have problems.
What drug is mandatory?
@@karyannfontaine8757 It is always the case that healthy people get mad at the unhealthy people. The reality is that you are just one step away from breaking a bone, having a car accident, being hospitalized for an infection or developing a disabling condition or cancer.
are they going to start covering dental like they should be they forgot to tell me when I was working 12 hours a day for 45 years paying into the system that dental was not included with the medical .and can you please let us no why it is not. thank you very much.
@CalvinMorris-cf8jk So many people ask this question. I don't know if my answer will satisfy you, but dental and medical insurance have always been two separate categories of coverage. They were never combined. Major medical insurance, whether through your Employer when you are working or if you have an individual policy, does not cover dental expenses,. Never has. Employers often buy and/or offer this extra benefit through a dental insurance plan, and people can buy individual dental plans. If you are on Medicare, you can take a look at a Medicare Advantage plan with Dental benefits. While this is not the only reason to look at a Medicare Advantage plan, it certainly is a great perk! NOTE: If you are considering an Med Adv (MAPD) plan, I've done some videos on the the difference btwn Med Adv vs Med Supp and RX and another on how to find the BEST Med Adv plan.
Yeah these plans DO NOT cover when someine needs full dentures. I find this appalling on Medicares part as your teeth being bad and in need of full dentures affects your heart health. I can only surmise Medicare does NOT care that you worked hard all your life paid into the system all that time and they still dont cover many major health issues as such as dental issues. And yet you have to pay a large amount per month for Medicare even after paying into the System all your entire life youre still paying....and oh lets NOT forget the additional expenses for a Part D policy yet you have to meet a large deductible first which goes up every year to even greater expenses and then if you do meet deductible well then in order for you to still NOT receive good help from the Part D plan you pay dearly for each month already then already finally meet the expensive yearly deductible well lets just throw you over into thus gigantic donut hole for the rest of the year so they can get by with still not paying real benefits out for you. Yep.@cbhealthinsurance3621
I just think if are government can give free dental to a unknown migrant that has never worked or paid a tax in their life in America that they should do the same thing for someone that worked 45 years paying into the system thank you for your help I have no choice but to have my teeth fall out because in these hard times I can not afford a dental plan most old people on SS are struggling in these hard times just to pay high rent and buy food that is way overpriced if are government can combine free medical and dental for a unknown migrant they should combine it for old Americans that paid into the system their entire lives I think that would be the right thing to do. i wish they would have told me this when I was working and paying big money into the system they sure did keep it quiet. thank you for your time.@@cbhealthinsurance3621
My medicare covers everything 100%, All dental. Vision,dental, hearing, catastrophic illness, all prescriptions. Get the advantage plan ppo.
AND teeth are the cause of a ton of medical issues.
Medical benefits for government employees, including politicians, should match Medicare
That's true but Joe Biden taking care of the illegal immigrants with our taxpayers money and letting the poor in this country suffer!
They should have what middle class has.
and fair retirement. just think what our government ‘servants’ get from their rigged system, makes your blood boil
I was so lucky to have two friends include me in a meeting with their insurance agent. I would not have known what to do correctly, but she put each of us in the right plan for our different situations. Believe it or not, Medicare has been really helpful for me. I’ve had two surgeries since 2019, and very Elder issues (73 years old. Ask a lot of people near you if they have a good agent because I think that makes all the difference. At least in my case that’s true. I hope everyone reading this gets the best outcome possible!
I am not sure why so many people are saying Medicare doesn’t cover anything. Are you on original Medicare or in a Medicare Advantage program? I had cancer right after I went on Medicare in 2019. I have original Medicare and selected a Supplement G. I originally had three diagnostic procedures, a hysterectomy, multiple CTs, 5 weeks of daily radiation and four months of chemo the first time around. Two years after the first time I had a recurrence. This time I had six weeks of radiation, multiple CTs and an MRI, a very expensive test to determine if I had cancer in my blood, and ongoing infusions every three weeks. Throughout this ordeal, I have paid $0. If I had still been working, I would have had to pay for 20% of all these things IF they were approved by insurance. Medicare Advantage programs are run by the same insurance companies that handle corporate insurance. They can turn down whatever they want. I thank God every day I chose the right insurance or I would have thousands of dollars in bills.
@noseferachoo First, I hope you are CANCER FREE now! And second, I am so glad you got the needed care you needed AND it was all covered by Medicare! Yes, Medicare is fabulous coverage for major medical claims, such as cancer, hospitalizations, surgeries, heart attacks. The list goes on and on. And yes, if you were on your Employer group plan, you would most likely have a big deductible, coinsurance, and an annual maximum out of pocket in the thousands! (kind of similar to an MAPD plan.)
Medicare G is now only available to those born before 1955. Plan F is the replacement with the main difference of a small annual deductible. Plan N is cheaper, but has some copays in addition to the small annual deductable.
Hi l would like to know what insurance company or advantage plan you have if possible.
@@frankanderson6233 Hi Frank, she mentioned that she has Original Medicare and a Plan G supplement. The two in combination pay 100% of approved Medicare bills EXCEPT Plan G does not pay the annual Medicare Part B deductible; for 2024 this is $240. I explain Plan G in this video: What is the BEST Medicare Supplement? ua-cam.com/video/F_QRiNhJgsk/v-deo.html
@@IHeartQuilting2
You have it backwards.
Plan F has been retired I have plan G with Mutual of Omaha and I had to go to the er and was transferred by ambulance to San Antonio from Victoria. And I have received bills from every Dr that saw me.
I would say I had not paid my 240 deductible. So I ca understand why they would want that amount.
Unfortunately, I don’t have the money to pay it outright so making payments to local hospital. But I’m not going to pay all rest of them.
I have been on social security since 2008. And I have never gone to the hospital Not even once. Now there trying to stick me with almost $1000 or more.
Plan G is supposed to cover everything except your deductible which is $2.40 yearly and over $500 monthly I pay in premiums.
I’m on permanent disability and PAY FOR MY MEDICARE out of my disability every month, and I can have acupuncture, sexually transmitted disease care, counseling, and mental health medication, but I can’t go to the dentist, eye doctor, or have my hearing aids paid for? I do have very bad eyesight, am legally blind, require very strong eyeglass prescription which costs me about $350 for the lenses alone, and moderately impaired hearing that requires hearing aids, which, by the way I had to pay $2,200 out of pocket because the government doesn’t want to pay for the things we ACTUALLY NEED?! It’s unbelievable!
What about Hospice care? I have been on Hospice, but because I didn’t die in the timeframe allowed by Medicare & the Hospice group; they have dropped me & only gave me a 30 day notice to find a telemedicine doctor. I’m bedridden & extremely ill, in devastating pain, have no strength to handle this transition & don’t know what to do. I’m almost 71 & need help!! 😢 I don’t understand why Hospice is primarily for people with chronic COPD & or a disease such as cancer. They don’t seem to understand that chronic pain can also lead to death. So, in a very short time, I will have no care, no medication & no doctor! I suppose that is one sure way to make sure that I die!! It’s really a shame. The doctors I had been seeing advised me to get on Hospice, & now that they dropped me; they refuse to take me back as their patient. I have serious issues with my insides, but the doctors said I am too weak & in too much pain to endure the tests. My neck, shoulders & back & now my extremities are in devastating pain. I have chronic Hypertension, chronic arthritis, & breathing problems. I too was diagnosed with COPD, but even being on Oxygen, when I try to get to the bathroom, which is only about 4-5 feet from my bed & to the lavatory, by the time I get back to bed, I’m gasping for breath, which causes a panic attack & causes my blood pressure to go up extremely high! I also fell many times making the pain even worse. I really need help!! I don’t understand why people like myself can’t get the help we need!! I only have a short time left on Hospice! Please let me know if you have any suggestions or advice that can help me in my current situation. I would really appreciate any help!!
May God Bless you 🙏 so sorry for how you are being treated may you find peace
I hope you can find a Medicare broker that does not push Advantage plans. Regular medicare should be what you want. There is a You Tuber named Chris Westfall who is very nice, smart, and helpful. Find his channel and listen but more importantly this is the enrollment period so don't dawdle. He is VERY available by phone. Please don't feel helpless, I know it is hard to do anything, but fight for what you deserve. Don't fight with your old insurance. Find out how to get regular medicare and go on from there. He is licensed in all 50 states. Advatage Plans ARE NOT good for people who are ill.
Have you tried your state Medicaid?
have someone ,friend, to help you ask your insurance about home care from a nurse or aid....28 hours per week are allowed, and needs a request to medicare from your dr.or RN.you need help at home .You deserve it!
That’s what hospice does! If they have the staff which most of the time they don’t now.
I’m 82 years old and none of this covered anything I need
Most of us seniors cannot afford any hethcare. It is a joke that vision coverage and dental are not covered.
Lymphedema garments are covered as of 2024, also. Compression stockings, stockinettes, bandages, and wraps are examples of the types of things that are supposed to be covered under the Lymphedema Act that was passed in 2022 . Might want to update your audience about that. An estimate of more than 10 million people in the US have Lymphedema…more than HIV, Parkinson’s MS, MD, and ALS combined.
@pennybouman5408 Thank you for the info! I did not know this! Yes, I remember that these items were NOT covered. I also remember people calling me to ask if their Medicare Supplement would cover the items that Medicare doesn't cover, like compression socks, and I would have to tell them: No, this is not covered. If Medicare doesn't cover something, the supplement won't either. Thanks again!
Thank you for this information. I really need new wraps for my legs, but a few years ago I had to pay for everything out of my own pocket.
My provider said it would take a while for them to get approved to get reimbursed. I wasn't happy as my garments are very expensive and custom made.
Good news indeed. Lymphedema garments are expensive. My husband’s Lymph Press was covered for 2023.
But, if you are wearing compression stockings, on doctor's orders, because of a fluid retention problem in your lower legs and feet, those stockings are NOT covered ..... not a single penny is covered.
I went to my 2yr eye appointment. I was shocked to find out it was covered. She said every yr. Ive been on medicare for 7yrs. Previous optometrists always charged me$125. Counted my blessings
@patriciaboatman8423 This is wonderful news! So glad you found a optometrist who was willing to submit these expenses to Medicare! I don't know why it wasn't covered in the past. Best to you.
Your doctor didn't care. To much paper work my guess for his office.
My doctor office gives me a referral paper to eyes doctor but they say l could go to any eyes doctor.
Halux Valgus is life altering, and the older form of correction is excruciating to recover from.
If you have it in both feet, you tend not to get the other foot fixed.
There is a new, less invasive technique that has you up and about in 2-3 days??🤔
My exams are covered. He bills under medical because I have a Crawford tube in my tear duct, plus I have double vision due to Graves, and..I'm on Plaquenil for Lupus
I'm so happy I made productive decisions about my finances that changed my life forever,hoping to retire next year.. Investment should always be on any creative man's heart for success in life
You're right, with my current crpyto portfolio made from my investments with my personal financial advisor Fergus Waylen, I totally agree with you ,
Yes I'm familiar with him. Fergus Waylen demonstrates an excellent understanding of market trends, making well informed decisions that leads to consistent profit
YES! that's exactly his name (Mr Fergus Waylen) I watched his interview on CNN News and so many people recommended highly about him and his trading skills, he's an expert and I'm just starting with him....From Brisbane Australia
Waylen has to be the best mentor I've met. He's copy-trading has been the best because I hop on it with $3000 and I'm up with $35,000 in profit. He's insights, information and versatility in the market is super ,
I'm surprised that this name is being mentioned here, I stumbled upon one of his clients testimony on CNBC news last week
This is my first year of Medicare. And, I understand that 2023 was the last year of massage therapy. I feel like, old folks are the ones that touch more than anyone.
@saul.t.2.969 Interesting. I didn't think this was every covered. I will have to check on that.
This presenter/business owner was very personable, easily understood and knowledgeable. Thank you for your post.👏👏👏
I agree. Seniors need regular vision help, dental health, hearing aids and exams, incontinence products and treatment and many more humane services. BTW a Chiropractic treatment corrects "subluxations" not "sublugations", as you mentioned. I hope that your agency promotes non-advantage type programs.
@Suzvideos1 Yes, yes, I know! Your the 110th person to point out my mistake! JK! My office sells all plans. I give people choices and review all options they are interested in; I do not steer them one way or another, and the majority of my clients are on Med Supps with PDP plans.
Can we talk about the “donut hole” for prescriptions!!! Absolutely disgusting! Due to the cost of some of my meds, I fall into this hole probably coming up this April 2024 (it has been earlier than this because I’d the cost of my imsulin)!
@sandybruce9092 Yes, that is a problem for many, especially if you hit it so early in the year. When my dad was alive, he was on probably 12-13 meds. And of course the Dr. gave him the latest and the greatest/most expensive drugs that the pharma reps were pushing. My parents were on a fixed budget. So we finally sat down with them and had him talk to his Dr. about changing some of these to low-cost Tier 1 or Tier 2 generic meds. things like high blood pressure, high cholesterol pills...there are so many good low-cost options. Once we did this, he went from hitting the donut hole in April to hitting it in Dec or not at all! I don't know if you can try this or not, but it never hurts to talk to your Dr. Good luck! Best to you... and remember: Next year you will only have $2k OOP!!!!
I'm there with you. I'll hit the donut hole in May and there is no way I will be able to pay for my medications.
I’m hit it n May to .my Eliquis has gone up.Had t0 pay $541.00 to get the first one then the next was $94.00 and will be even higher in May .So much for lowering drug prices .Big pharma so greedy.
😅😅😅
?
What about those of us who get acupuncture and don’t rely on Western medicine what about naturopathic doctors. This is absolutely insane that this is not covered.
@daofjudith Tradition health insurance (whether group health coverage, individual ACA/Obamacare policies or Medicare) has always covered items under Western medicine, which typically looks at the treatment of disease and illness, and most of the treatments are pharmaceutical in nature. Even when they started embracing the concept of Wellness and Prevention, the answer is to 'take this pill' to prevent the condition. Drugs seem to be the answer for most conditions and/or to prevent them. Unfortunately, Medicare and traditional insurance has never really covered or embraced Eastern traditions or naturopathic doctors. I don't see that changing any time soon. Keep doing what you are doing, especially if if keeps you healthy and makes you feel good!
It’s because they don’t want you doing things that might help you get better. Then they can’t order expensive test and load you up with pills. Healthy seniors equals no profit. I do Community Acupuncture when I need it, which is much less expensive than private sessions.
MY MA plan only covers acupuncture for lower back issues. There are so many other conditions that would benefit from acupuncture
@@lisat9802a lower back diagnosis is not hard to include in a full diagnosis plan. The docs know this...ask for it!
The pharmaceutical industry doesn't like that, they would be losing $$$$. And the government is big friends with them. Remember the covid jab.
So this really makes a lot of sense. A large % of your elderly - senior citizens /Medicare people need hearing aids, or are hard of hearing, but Medicare won’t cover it. Glasses how many elderly do you know that don’t need glasses not very many. Dental can be very expensive when you go to a dentist and have a cavity you’re shelling out hundreds of dollars, there are many things that Medicare will not cover that have been needed to be covered for many many years. I don’t understand then you’ve got people that are abusing the system and getting things covered that elderly would love to have covered. Social Security checks are not helping people pay for housing and utilities and insurance. People on Medicare are struggling daily, just to pay their bills. Let alone have to pay all these extra charges. Something is wrong with the system. It’s up to the government and obviously they don’t care.
I’m a former smoker, started at 13 and by 25 was up to 3 packs/day (smoked “lights” so took heavy drags)!! Living in L.A. back then, coughing & hacking. Luckily heard abt an amazing acupuncturist. This fellow was trained in Asia and came highly recommended for smoking cessation. (I noted accupuncture was not listed for this particular use and think it should be if the person is specifically trained for addictive behavior.)
I’m currently on Medicare and had to smoke (for a play I’d done). Never became a habitual smoker again. Medicare should cover this and perhaps hypnosis as well! Thx, DR
@denarosenberg8063 I agree! And congrats on quitting! Good for you!
I have a Medicare advantage plan through United healthcare and I get medical, dental, vision, prescription drugs, and I can even go get a gym membership. All of this is paid for by my plan. I don't have to pay any extra premium for it
Just don't get sick
My sister had that too. Once she got cancer, the copays for everything would have killed her but the cancer got her first.
@@57msdeb did they delay approvals for dr ordered care?
@@betqpublic9901 not that I am aware of.
@@betqpublic9901 not so far. I haven't had any issues with it.
Medicare, please cover preventative, dental, and vision care, instead of all the unaffordable and life shattering illnesses and accidents that are caused by the body, teeth, and eyes UNNECESSARILY deteriorating!
All elected politicians and all judges and magistrates should have to have their medical care via Medicare, no matter their age, nothing else supplementing the coverage.
My eye doctor demands $8500 for eye surgery and states you still might have to wear glasses to read, Medicare pays what $250 per eye. What a rip off.
@VonBluesman Yikes! That seems excessive... the charge for an eye surgery. Maybe it's time to find a new Dr.
@@cbhealthinsurance3621 The town I moved from wanted $10,000. That is both doctors best offered surgery, they also have 3 more lower prices but no guarantee with lower priced surgeries.
You can get a coupon for 1/2 off the second eye - just ask Doug Heffernan!
Not eligible for medicaid, would like to see medical transportation available for those social security many seniors don't drive and miss medical appointments
@gloria7997 It is rather amazing how few plans cover this. It is sometimes available on Medicare Advantage plans, but it seems to me that it is a hard benefit to find. I did get some insight from my Aetna rep regarding the one plan they offer that offers this. The insurance company must hire services - reliable services - that will take good care of their clients; pick them up on time and take them to their Dr's appts. But they went through several agencies in our area that provided horrible services and it was just a nightmare for all involved. One should figure there must be a better way - maybe give seniors a Reimbursement so they can cab or uber or get someone to take them.
Medicare Advantages plans have transportation.
Most hearing tests are free, in an attempt to sell you an aid. There is usually no charge or obligation to purchase.
But then the hearing aids are not covered??? What a joke!
True
I cannot believe some of these items that are covered when they will not help those of us that have worked for many years and paid toward Medicare and cannot use it for common dental, podiatrists, chiropractor, which are just common treatments NECESSARY for most seniors. I am SO glad to hear that people are able to go for 10 counseling sessions to quit smoking when most of us used will power to quit many years before Medicare.
@buckeye7192 Congrats to you for quitting with will power! That is truly commendable. While Medicare is very comprehensive covering hospitalizations, surgeries, Dr.'s visits, and just about every test you can have, it does have its limits. The good news is that every year it gets a little better, a little more comprehensive. So who knows...maybe one day some of these other items you mention will be covered!
BUT, they will send out colon tests. etc. ect. and this and that tests that I DO NOT NEED to do. I will go have the test done if I have issues and need them so why am I getting these in the freakin Mail? How much are these costing us?
It covers my chiropractor but he is cheap.
Mine yoo!
Two times in the last week, I had to 225.00 2 times to have YAG done on my eyes. Yesterday I paid 225.00 for a teeth cleaning and x-rays. That is 675.00 in three weeks. That is 🐂💩 !!
This is/was so helpful. I wish I had known about that freak pair of glasses after cataract surgery two years ago. I haven’t had my glasses changed since the surgery and they’re bad. I need to get glasses. I have macular degeneration now. I wish that Medicare would cover glasses for me since I have this condition.
@kayregulski6828 Glad you enjoyed this, but so sorry to hear that you didn't get new glasses after the surgery. I don't know how long ago you had this, but it might be worth a call to 1-800-medicare to ask the question if it can still be covered. I too, just learned about this. I wish more Dr.'s were aware and could share this with their patients. Best to you!
@@cbhealthinsurance3621 the glasses after cataract surgery was covered in the 1970s when I processed claims. Intraocular lenses are covered too. I have IOL correcting my distance vision and only need reading glasses for close work. ($1.25 at Dollar Tree) Now fancy prescription or special purpose IOL are not covered. The coverage is for a basic lens, no astigmatism or bifocal. My father in law had regular contacts instead of glasses after cataracts. The highly improved IOL implants and microsurgery have pretty much eliminated using applied contacts. My surgeon offered me a lens which was under testing by the manufacturer and it was amazing but it was not covered . I am quite content with my results.
Walmart tends to be cheaper than the smaller eye doctor
Wagovy has been approved by the FDA and Medicare will cover it! This was on this mornings, 3-22-2024, news!
@leewomack3498 Nice! Thanks for sharing!
This is limited only to patients with a high risk of heart complications. Not available as treatment for obesity.
BUT... it is only covered IF you are at risk for heart disease to prevent heart attack and strokes. The trouble is, obesity is associated with DIABETES and diabetes prevention and weight loss are NOT a caveat to coverage.
@@junestengel18 I am at risk for Heart attack or stroke, besides being obese.
@@DanA-bw7rh I have high risk heart complications which involves two leaky valves which one affects the right ventricle and the other one affects the left ventricle of my heart.
When you leave the US, travelers insurance is the best deal going. It not only covers medical care, but you can get a policy that covers some hotel stays if you have a flight delay and lost luggage. This coverage is for ordinary delays and inclement weather. I don't think any company will cover acts of war.
In that case, better stay home.
If I get old and need marriage counseling I will get divorced because then it is time to embrace life is too short to be unhappy.
Marriage counseling but no hearing, dental or vision coverage. Crazy.
@teresavicario5848 Yep...
My Part D covered Paxlovid for my recent COVID diagnosis. Glad others will benefit from this next year.
If your eye exam prescription is still good but out of date you can order glasses and lenses online from Canada
@alipainting Good to know! I didn't realize you can order from Canada.
Minor clarification. It is true that the cataract surgery that Medicare pays for will not remove your need for corrective external lenses (the surgery replaces your natural lenses with permanent artificial ones called intraocular lenses), but there are higher grades of intraocular lenses that can correct your vision to some extent if you have an amenable ocular condition. I had cataract surgery last year at age 66, paid a bit extra, and do not need external lenses for reading or for driving. I believe that Medicare will pay for the amount of the basic procedure (after paying your deductible) and the surgeon may agree to do the enhanced procedure if you pay the extra somehow. So one option to consider is to get the surgery done while you have the income to cover the enhanced procedure since, as they say, if you live long enough you will become a candidate for cataract surgery.
As to the rest of it, every little bit helps I suppose, but like most government programs it helps a few very well and many not too much. Take care of yourself.
@tombruner9634 Thanks for the clarification!
I have Medicare Advantage through Kaiser in Calif. It costs me $89 per month and includes $210 every 2 years for prescription glasses. Dental cleaning thru Delta Dental, and I just got hearing aids two weeks ago. All covered! I usually have no copay for all my medical needs, and a low copay for meds.
@leongeisberg294 That's fantastic! There are some great Advantage plans out there. My husband will be turning 65 later this year, and we are taking a look at these plans in our area. Best,
I just got on medicare and your video popped up so that is great, thank you.
@dawnravenel2473 So glad you found this helpful! And Welcome to Medicare! Feel free to check out some of my other videos. I usually make one after I get a lot of questions from my clients who are 'new to Medicare'. Best to you!
What an outstanding job you do in explaining the information presented in our annual Medicare Services Handbook which is printed in a 5-point font.
Ha ha! Is it really 5pt font? Thank you for your comments and compliment! I hope you continuing watching.
I’m on Medicare because I’m disabled. Age 62. I pay $167 for base Medicare A&B, $375 for part G supplement, and $75 for drug coverage. This is per month. On disability. After working almost 40 years. I had Obamacare the two years before and I’m still paying off $35000 in copays and deductibles from this. My Obamacare premium was $1000 per month. I’d really like physical therapy massage. I have a bone disorder and need my joints manipulated to keep them from fusing together.
@slc1161 I'm sorry you have so many bills from the Obamacare plan; these plans were designed to have a True Out Of Pocket maximum (TROOP), which has gone up over the years. In 2014 these were around $6k for a Silver plan.; today might be closer to $8500/yr. So I'm wondering how the $35k came to be in just 2 years. Where you out of network? Or something wasn't approved?
The good news is that WHEN you turn 65, you will have a 2nd OEP (Open Enrollment) when you can buy a supplement GI (guaranteed issue) and the price will be WAY LESS.
In the interim.... between now at age 62 to three years from now when you turn 65, if you can't swing the premium for the supplement, you could look at MAPD. You can do this during the annual open enrollment Oct 15th-Dec 7th.
Again, when you turn 65, you can buy a med supp GI regardless of your health.
So food for thought.
Counseling for getting the clap, LMAO! Must be something the people at The Villages in Florida lobbied for! 🙂
@tamarabeinlich7353 Haha! Yes, this made me chuckle too... and coverage for pregnancy...? Is that really needed at that age? Glad you can find the humor in things. We need more of that! 🙂 Keep on smiling and laughing!
@@cbhealthinsurance3621 Do they really need a counselor to tell them to wear a condom? LMAO! My "Free Love" generation is so stupid. 🙂 I'd rather money be spent on giving them free condoms.
Hearing aids were not covered! They gave you the name of businesses who supposedly gave a DISCOUNT I still paid over $2000 for my hearing aids which are a necessity for me!
@wendyf8262 Right! Hearing aids are not covered by Original Medicare.
Many of the Medicare Advantage plans offer some coverage for hearing aids, but it does vary by plan. Having coverage under a plan does not mean the hearing aids are free. The 'better plans' have a copayment per hearing aid, it can be as much as $500-600. Other plans may only give a discount like you got.
Keep in mind a pair of hearing aids can run $5-6k. So while it might seem high, paying only $2k is a huge discount. Which means your discount could be 60% or more. That is significant.
I don't know which you have - Original Medicare or a Medicare Advantage plan.
When my Dad was alive he paid over $5k for his hearing aids; no discount. My parents were on a tight budget and had to set up a payment plan.
Medicare should really look at offering more discounts or benefits, especially to lower income people who might not qualify for Medicaid.
@@cbhealthinsurance3621 When you add in what you pay in for Medicare and the outside insurance to cover what medicare does not cover and prescriptions and hearing and vision and dental and deductables and copays it's over $600 a month. A scam on the American public and they the govt controls your doctor because they know better than your doctor.
My eye exam and glasses were covered At Americas best and contacts I got the exam, 6 months of contacts and a pair of bifocals (stream, line) for 180.00
After my cataract surgery, Medicare denied my claim for a payment on my glasses because I had not met my deductible in 2024. I had the surgeries in October and November 2023. I ordered the glasses in December 2023. The glasses were delivered to my doctor in January 2024. Medicare told my doctor’s billing department that the deductible requirement applies to the cataract glasses policy. That was news to my doctor’s billing department. Be careful when you have your surgery and order your glasses if you want help from Medicare.
@MrsMonty1 That is truly unfortunate! Yes, the glasses would fall under the Medicare Part B/outpatient services, and there is an annual deductible that must be met each year. But that really stinks that the glasses came to the Dr. SO many months AFTER the surgery. I don't know if you can get the date of services billed to be changed, have the claim reprocessed, and have it billed for December 2023. It might worth a try. Again, that just doesn't seem right to me.
Call your State Health Insurance Agency. Get help. You are owed free glasses.
I'm 73 years old. I've never used Medicare. I'm lean, fit and healthy.
One of the primary reasons for my excellent health is that I have Humana and I get free Silver Sneakers access to a really nice local gym, and on-line, exercise programs. My gym costs young people $65 a month. It costs me zero. It has all of the usual gym stuff plus a pool, and an indoor walking track.
You are one of the blessed ones.
Tom - doesn’t your plan require you to see primary care dr. At least
Once a year?
Yep, mine even has an indoor pool. Since I had knee replacement a few years ago and all I had to pay was deductible. $100.00. I had been self employed for several years so this has been a blessing.
No. I don't believe in doctors or Big Pharma. They are both scammers.@@deborahsirpilla6542
@Tom-Travels Good for you! You are taking care of yourself, and Humana has some great MAPD plans. While these plans are not for everyone, they are great if you are healthy, want to save money on premiums (vs the cost of a Med Supp) and you use the PERKS like SilverSneakers, and dental and vision and OTC. So many benefits. I am glad Medicare recipients still have a choice - Med Supp and RX or MAPD, and nationwide it is about a 50/50 split; although they are predicting more people moving to advantage plans as the cost of everything goes up. My husbands turns 65 later this and we plan to do the Advantage plan for him. LIke you, he works out regularly, eats right...well, most of the time - ha ha! And is on NO medications! Glad to hear you are doing so well and are happy with your plan!
Medicare is not just for 65 and over, it is for people younger if they are disabled.My son is 35 has been on it for two years.
So it’s not Medicaid ??
Nice to see the politicians will help Pharma stay solvent.
If we could get the politicians to help us, we would have something.
@jessicamalley6201 Big Pharma has one of the biggest if not biggest lobbying groups in the country; so they clearly have the ears, eyes, and attention of politicians.
@@cbhealthinsurance3621
😤😤🤬👵🏻👩🌾❣️
WE THE PEOPLE must vote out all of the vultures. We have the power, but it’s useless if we don’t exercise it. WE THE PEOPLE MUST VOTE!
What's bad is that if a patent is about to end and a generic will soon appear on the market. The company can change something with the formulation and then the company starts another round of patenting protection. This is how some of the expensive meds stay expensive.
Thank you for keeping us posted.
@debraperson4571 You're welcome! Thanks for watching. I think I might be making a video about ALL the preventative services covered by Medicare; there is quite a lot of services covered. It's a long list and a good thing!
Make sure you have a supplement
Skin cancer screenings(they cover some other screenings),annual exams with labs,& dental would be awesome to have coverage.
@sheilanoel1537 Medicare does cover screenings for skin cancer. While labs are covered at 100% for diagnostic tests, there are a number of preventative services covered under Medicare. Most are listed in the Medicare and You Guide, but it might be a topic of a future video because this question comes up quite often.
Thank you for the update
There's no mention of skin cancer screenings in the app for what Medicare covers.
I want to thank you for that helpful information.Because it’s so much to read in the book.
@charlottepaschal2454 You are very welcome! Glad you enjoyed the video. The book is a monster for sure! Even working in this business for years, I seem to learn new and find new things listed in the book. They do update it every year with changes. It is very handy if you have insomnia - grab the book and read it. It will put you right to sleep! Ha ha!
Right now I have Tricare at 65 I will have Medicare part A and B and Tricare will be my supp.
If you have peripheral neuropathy Medicare covers toe nail trimming and foot inspections by a podiatrist 4x per year if you see a PCP every six months.
what about general eye exams for other disorder? such as cataracts. when I had other health insurance, they would always cover the exam, the doctor would write the RX for the glasses and bill for a general exam
@110311DONTWANTCHANNE Cataracts surgery is covered! I cover what is and isn't covered related to the eyes in the video called: "Is VISION covered by Medicare?" ua-cam.com/video/WqM094bTuEY/v-deo.html
@@cbhealthinsurance3621i'm talking about just getting a general eye exam to screen for any disease....and the doc just happens to write an Rx for glasses after finding no disease...insurance like Aetna used to cover that.
My exam is covered. My doc bills to medical because I have double vision due to Graves and I'm on Plaquenil for Lupus
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Medicare also covers Acupuncture for Neuropathy in feet not related to Diabetes. I had multiple surgeries for varicose veins over several years and nerves were cut to access veins leading to the neuropathy in my feet.
First time watching you, very well done. Look forward to more videos.👍🏼
@Nylgk Thank you! Much appreciated!
To get dental and hearing aids you will need an advantage plan. Some don't cost extea.
@@marymcqueen2043 Yes indeed! Most Medicare Advantage plans include Dental and hearing and Vision for FREE, or no extra cost. We had a carrier in IL (BCBS of IL) that had a rider that you had to add for a monthly premium in order to get these benefits. I don't know if they still do that. Clearly not a popular option if you can pick another carrier that includes these benefits.
Dental, vision, hearing aid, mobility devices. Seniors get basically nothing even though we've earned it. I won't go to a Dr. unless I'm at deaths door, the care I get is inhumane. Not to mention the list of health care providers is a very short one with unreasonable waiting periods.
Agree! Hearing aides, glasses dental, all necessary for seniors!
With Accupuncture-covers 12 sessions with low back pain…does it pay for the additional 8 if meet the requirement if improving? It has helped me tremendously! I have last of 12 sessions next week.
@sarasue9011 That's terrific news - that this is helping your back pain! I personally tried acupuncture decades ago to help with my immunity; unfortunately it didn't help me, but I found other things that did. I know many people have said wonderful things about the benefits of acupuncture. As far as getting more sessions, I wonder if this is like PT. Medicare will pay for physical therapy for a limited number of sessions. The goal is for you to get better and stay better! If there needs to be more sessions, it can be approved. But generally speaking, if you are not getting better and progressing, Medicare typically won't continue to pay indefinitely for PT. I'm going to venture to guess this might be the case with accupuncture. You may want to ask your Accupuncutrist (is that a word?) They might know better if Medicare has ever extended or allowed more sessions.
Unfortunately, acupuncture for low back pain is the only thing that Medicare covers. What about other things that people are using acupuncture for??? This is insane I am so disgusted.