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Dad has medical coverage through the VA, and I keep getting emails from Medicare about making changes to his coverage soon. Does he even still need Medicare coverage? We live in WA and he has a terminal illness.
The VA has all different levels of coverage & you don't say what type your dad has. Whatever the case, your father has Medicare Part A coverage that he doesn't have to pay for. If he needs to see a doctor outside of the VA, then he needs to have Medicare Part B. Even then, your dad may have co-pays with both Parts A & B, which his VA coverage does not cover. It's a complicated situation & I think you need to find out exactly what sort of VA coverage your dad has before anyone can advise you properly.
Not sure how the VA works but I think you still need Medicare and the VA becomes ur secondary. We have friends were the husband is a Vet using the VA for his doctors and hospital. His wife has to buy her own secondary because she is not a Vet. I would say the VA requires Medicare.
I would advise that you do not interrupt the status quo; especially since he has a terminal illness. It is difficult to predict what services, outside of VA, that he may need. Without Medicare, he might be facing some extreme medical bills. The emails from Medicare might be annoying, but the best approach to that is to see if he actually NEEDS what Medicare is offering. In a lot of instances, Medicare says that some people need additional drug coverage, but in your father's circumstance, this may not be the case. VA usually covers all prescription medications, but there is always the possibility that he may need a drug that is outside the VA coverage. Medicare, Part D drug coverage has a help program for people with low income, who cannot afford part D, if they wish to have it.
Thank you all for your help! It's been hard to reach anyone to get all the answers I need, everyone is so backed up. We will continue with the Medicare coverage dad has.
Have worked in healthcare over 30 years...agree with Barb, very suspicious about the EMAIL contact. Normally they communicate via conventional mail only-no calls or emails unless you initiate. Be careful!! the last thing you need at this time is identity theft to clean up. Best-ss
I'd keep your Dad's Medicare coverage, as others have recommended. VA Health uses Priority Group ratings for each patient, and those rating levels impact VA coverage. My own Dad (98) is terminal with a priority level of 3 and though disable in WWII, he absolutely needs his Medicare and supplemental.
Off topic for FYI, I want to share something that was very difficult to learn from the VA. This may have changed since last year, and this may be specific to the Detroit area only. VA Health offers Palliative but not Hospice service. But VA Health does cooperate with other hospice services, and provides "hospice beds," which I presume means VA-contracted facility beds for patients approved for same via a hospice provider AND at least one VA physician. I learned that in Dad's case, if he ever requires skilled nursing, that VA-Detroit would find a placement for him either in a VA Hospital or a VA-contracting facility. Medicare and supplemental would absolutely be required in that case, even at Priority 3. Dad's income would go to the VA 100%.
Medicare will provide hospice 100% , at no cost to your dad Once on hospice they pay for 100% of there comfort meds , they provide all devices, ie bed,walker, or wheelchair , diapers, wipes, ensure, respite for care giver if at home , if patient is a NH or assisted living they will follow patient and work hand and hand with the facilitie. They generally provide 2 Doctors for consulting and providing scripts, generally 6 months service with a renewal script to extend the service . VA will provide meds at a discount rate but only generic, Medicare has different tiers for meds with a copay only slightly more than VA . , they also require you see their doctors to receive a script. You didn't say if dad was still at home or in a facility
These emails are Medicare Advantage Companies, they are NOT Medicare. Medicare does not contact u thru email or phone unless you have contacted them first.
Since Dad uses the VA, he doesn't need a MA. As said, at this point don't change anything. Just unsubscribe from those emails. If u get anything in the mail, throw out. MA insurance is not good for everyone.
Unless he has service connected disability, he will pay some for VA service. Medicare was better for me when I bought the supplement. I think I paid VA $44 for every visit!
This is from AARP. It is recommended that you sign up for Medicare when 65. It cost you nothing. They also recommend Part B just in case. This persons father is on Hospice, why change anything at this point.
Her confusion is she is getting emails, she feels, from Medicare asking to change her plan. This is not Medicare but insurance companies wanting her to take a Medicare advantage. This she does not need. She has VA and Medicare.
More than likely, the letters you are getting are not really from Medicare. Insurance companies bombard people with insurance to appear to be from Medicare. You should call SSA to inquire about his real Medicare status.
Agree with my2cents. My husband enrolled @ 65 but I still work FT & he is covered under my insurance.
We get loads of calls, emails, letters too offering what you have said. I tell them he doesn’t need them and they have told me they are taking me off their list.
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
His doctors were all VA.
but, VA still bills for their service. Better to have Medicare...unless he can pay those bills himself.
Off topic for FYI, I want to share something that was very difficult to learn from the VA. This may have changed since last year, and this may be specific to the Detroit area only. VA Health offers Palliative but not Hospice service. But VA Health does cooperate with other hospice services, and provides "hospice beds," which I presume means VA-contracted facility beds for patients approved for same via a hospice provider AND at least one VA physician. I learned that in Dad's case, if he ever requires skilled nursing, that VA-Detroit would find a placement for him either in a VA Hospital or a VA-contracting facility. Medicare and supplemental would absolutely be required in that case, even at Priority 3. Dad's income would go to the VA 100%.
Once on hospice they pay for 100% of there comfort meds , they provide all devices, ie bed,walker, or wheelchair , diapers, wipes, ensure, respite for care giver if at home , if patient is a NH or assisted living they will follow patient and work hand and hand with the facilitie. They generally provide 2 Doctors for consulting and providing scripts, generally 6 months service with a renewal script to extend the service .
VA will provide meds at a discount rate but only generic, Medicare has different tiers for meds with a copay only slightly more than VA . , they also require you see their doctors to receive a script. You didn't say if dad was still at home or in a facility
Medicare Supplement - Optional.
Since Dad uses the VA, he doesn't need a MA. As said, at this point don't change anything. Just unsubscribe from those emails. If u get anything in the mail, throw out. MA insurance is not good for everyone.
This persons father is on Hospice, why change anything at this point.
Her confusion is she is getting emails, she feels, from Medicare asking to change her plan. This is not Medicare but insurance companies wanting her to take a Medicare advantage. This she does not need. She has VA and Medicare.
https://www.aarp.org/health/medicare-qa-tool/does-medicare-work-with-veterans-coverage/
We get loads of calls, emails, letters too offering what you have said. I tell them he doesn’t need them and they have told me they are taking me off their list.
For goodness sake, I hope so.