Tag Archives: Insurance

My health insurance – hopefully taken care of.


I went to the county seminar and they had 6 advantage programs. It is going to cost me more this year (what did I expect?), but luckily I get state help and extra help. They even pay part of the premium and all of Part B of medicare. At least they did last year. I hope I don’t lose my extra help. Because if I do I won’t be able to use the insurance I am paying for.

Surprisingly the PPO (no referrals) costs less than the HMO. I also can go out of network if need be. Which I do since not all my doctors are in my PPO at all. Some of the copays are also lower. That will help too.

Teresa (Tessa) Dean Smeigh

-Advocate For Mental And Invisible Illnesses

-Author Of Articles, Stories And Poems

http://www.tessacandoit.com

http://www.finallyawriter.com

Insurance Woes Easing


I made the first step and called the county number. They have so many needing help since the insurance company is moving out of the state that they are setting up a seminar in November to explain to a group what their next move is.

I found out that I am just able to possibly qualify for Medicaid to go with my Medicare, but after searching doctors and knowing the limitations and that they would most likely take my state benefits away I am dropping my interest for now. I could only find one of my multitude of drs on the Medicaid list. What good will that do me? I can apply for Medicaid at any time. So I will go with the Medicare Avantage and discounts for now and put Medicaid on the back burner after I see what policies are available with my Medicare.

 

Teresa (Tessa) Dean Smeigh

-Advocate For Mental And Invisible Illnesses

-Author Of Articles, Stories And Poems

http://www.tessacandoit.com

http://www.finallyawriter.com

A step backward…


Just as things settle down and I start to feel better I am bashed with another problem. I just got a notice that I am losing my insurance. I have Medicare, but I have an advantage program for my prescriptions. This program was paid for by PAAD (don’t know if everyone has this, but it is for aged and disabled with little income). I had extra care and my part B was paid for. It also gave me eye care and dental insurance, plus a gym membership I never used.

I don’t know how this affects me this time. This is not the first time it has happened, but this is the best program I have had so far. It means I have to call people and find out what to do, who to call and how it will affect me as in losing my doctors, some benefits, possibly higher copays, etc. I do have a county number to call to help. I called them last time and since a large group will be losing their insurance and calling they are usually familiar with what is available and what is best for each person. Thank God for them at least.

I am falling back into depression from this. I hope my meds get stronger before I really fall back into a deep depression again. I am terrified of phones, people, and new situations. I already have appointments set up for 2017 and I may not have those drs in the new plan.

After I found out yesterday I went back to bed and stayed there til noon today and now I want to go back again. I just don’t handle change well at all.

Of course there is the possibility that this one will be better. I am trying to concentrate on that.

 

Teresa (Tessa) Dean Smeigh

-Advocate For Mental And Invisible Illnesses

-Author Of Articles, Stories And Poems

http://www.tessacandoit.com

http://www.finallyawriter.com