Another insurance question

(deactivated member)
on 12/9/09 1:29 pm - irvington, AL
I'm sorry... I know it's frustrating to you that have been members for a while, when someone new comes along and asks for info that has been given out hundreds of times- but here goes:  I am turning 50 next wk, am disabled with medicare, I just moved to the Mobile area about 5 mos. ago, and my Medicare Advantage plan in Va. paid 100% of all medicare approved procedures.
I notice that's not the case here in AL.
Which Medicare plan seems to help the most with weight loss surgery/doctor charges? I need to chose a plan next wk.
I do qualify for a medigap supplement at 50 yrs. old & though monthly premiums are very high, it would probably pay 100% for bariatric surgery, etc... I really want to start the process asap. ( I know I need 6 mos. of wt loss attempts for medicare; right?) is there a medicare plan that doesn't leave the patient paying lots??? Thanks for any help!
EJFROG2006
on 12/9/09 9:15 pm - AL
Hi, My husband has VIVA ins,it covers wls, but you have a hospital co-pay.Welcome to the board.! Ellen (Froggy)


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(deactivated member)
on 12/10/09 5:07 am - irvington, AL
Sorry, I still don"t understand how it works here.. Is hospital co-pay high? Also, are there co-pays for each specialist office visit?
smole
on 12/12/09 6:10 am
Salambert yes it can be frustrating when dealing with medicare.  My grandmother has medicare and blue cross blues shield of Alabama.  Whenever she goes to the doctor office__she has to pay an co-pay each month until the deductible is met and that's only at the beginning of the year.  As far as the hospital goes each plan is different and depends on how much you have to pay.  When it comes to meds she have to pay for meds until her deductible is met and then medicare and bcbs of Alabama kicks in.  My best advice is to contact medicare and get them to send that new booklet out that came out this year because it offer things that it didn't offer last year.  Mark all the ones that might interest you and write a list of all the questions about what that coverage could do for you and how much out of pocket deductible and then contact medicare and speak to a specialist because this is the time of year were they have extra help to make decisions on whether or not you want to change your plan.  I hope this was helpful but remember to ask a lot of questions before getting stuck in a decision.
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