Home >> Medigap insurance? HELP me help my folks!?
Medigap insurance? HELP me help my folks!?
My dad just went into the hospital. My parents live on $660 per month, and they are both in their 70s. JUST ONE of the MULTIPLE new medicines costs $220 a month, exactly a third of their income. I don't know how medicare works, but they don't have any extra insurance more than the regular medicare. How much will medicare pay for the hospital? How do we get extra insurance so we can pay for the medicine? What is your experience with this?????? Any advice?????
Your Medicare "copay/deductible" for his inpatient hospital stay will be $992.00.
You need to sign them up for medicare part D, (prescription coverage) if they didn't last year... Its probably one of the only ways to get coverage. They will let them enroll, but there will be a penalty... or they may force them to wait for their coverage to start until the first of next year...
The other option is to call the rx manufacturers, and find out if they qualify for assistance. Most drug companies will offer free/discounted prescriptions to people who have limited income. Apply for medicaid. If they qualify, they will automatically get medicare D for prescriptions, and most like can get assistance for their premiums. Good lcuk
I'd start with applying for medicaid...
If they only have $660 total income and do not have assets in excess of $12,000 (excluding a home and car) they should qualify for Medicaid. You need to contact the Department of Family and Children Services in your area. Medicaid will pay the deductible on the hospital bill which is $992 this year and any other doctor bills. It will also pay for a part D, prescription drug plan that will cover the medicine for about $3 per prescription.
Talk to a pharmacist. They can give you great advice. As a general rule, your dad can not sign up for the prescription plan except during the open enrollment at the end of the year.
A pharmacist can tell you how to get the drugs cheaper in the mean time.
Also, the hospital should have someone that can help you with all this also.
Medigap doesn't cover drugs. They should have been signed up in Medicare Part D last year.
Their income is so low that they should qualify for public assistance. Contact your state's elder services agency and get them signed up.
For the hospital, Medicare will pay for all but $1000, plus 80% of the doctor bills.
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