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Started By
Message
re: Employer provided retirement healthcare coverage
Posted on 6/6/25 at 2:27 pm to La Place Mike
Posted on 6/6/25 at 2:27 pm to La Place Mike
Yes, but you also have to factor in the $2,000/year they have to cough up before the health insurance kicks in. What all does supplemental cover? I'm not a Medicare expert but I find it hard to believe they are better off on our HDHP plan
0
Posted on 6/6/25 at 2:29 pm to La Place Mike
quote:
Part B Premium is $185.00 a month. How much would a Suppliment cost them since they are in there seventies and would they even qualify for a Suppliment Plan? They could get an Avantage Plan for less but are their Doctors in that Network? Will their Doctors stay in the Network? How healthy are they?
They may be much better off on the employer plan.
Their Medicare Supplement would be guarantee issue - no qualification required because they would be in whats called Medicare "open enrollement". Medicare Advantage despite having "Medicare" deceptively in the name has nothing to do with Medicare Parts A&B coverage and is a very poor and expensive choice. Unfortunatly due to our demographics those plans flourish in Louisiana. They would be much better off with Medicare coverage and so would the employer. 396.00 per month is simply their portion the remaining premium which for an employee over 65 with only 2000 out of pocket could easily be 2000.00 per month. Sadly many of the clients I've worked with are under the impression that if you're still working after 65 you have to stay on company coverage and can't enroll in Medicare till you retire
This post was edited on 6/6/25 at 3:07 pm
Posted on 6/6/25 at 3:04 pm to Crow Pie
quote:
Again..why provide benefits to someone that doesn't work there?
Are you a slow adult or something?
Have you heard of a pension? This is a benefit that provided income to former employees upon retirement. Guess what? They didn’t work there anymore and still got paid. It was a benefit.
The same as Retiree Health Insurance. It was a benefit that’s being phased out.
Posted on 6/6/25 at 3:05 pm to Disco Ball
quote:
Their Medicare Supplement would be guarantee issue - no qualification required because they would be in whats called Medicare "open enrollement".
In their case this is probably true.
It comes down to their health situation. Since they are in their seventies and still on their employer's plan that lead me to beleive there are some serious health issues like still being treated for cancer or another catastrophic disease and I may have been wrong in making that assumption. So, if that is not the case then yes they need to get off their employers plan and save everyone some money. ( Yeah, I back tracked a little bit.
) quote:
Medicare Advantage despite having "Medicare" deceptivly in the name has nothing to do with Medicare Parts A&B coverage and is a very poor and expensive choice.
Everyone loves their Advatage Plan until they don't.
Posted on 6/6/25 at 3:08 pm to Grinder
quote:It is 2025.
Have you heard of a pension? This is a benefit that provided income to former employees upon retirement. Guess what? They didn’t work there anymore and still got paid. It was a benefit.
You don’t get that shite anymore. No one gets that shite anymore.
If people of retirement age want a pension or Retiree Health Insurance, they need to build a Time Machine, go back in time, then not frick up the country like they did.
Posted on 6/6/25 at 3:15 pm to Scruffy
quote:
You don’t get that shite anymore. No one gets that shite anymore.
I guess you don’t work for Johnson & Johnson.
They employ a few people and still have a pension.
Posted on 6/6/25 at 3:17 pm to La Place Mike
quote:
It comes down to their health situation. Since they are in their seventies and still on their employer's plan that lead me to beleive there are some serious health issues like still being treated for cancer or another catastrophic disease and I may have been wrong in making that assumption. So, if that is not the case then yes they need to get off their employers plan and save everyone some money. ( Yeah, I back tracked a little bit. )
It's all good. Medical care for cancer or any other illness or injury is far superior under Medicare A&B due to the fact that there are no networks with Medicare. In 35 years I've never seen a single medical provider that doesn't treat a patient with Medicare A&B. Many and most all ot the more successful DR's will not take Advantage plans. There is no rationing of a patients care due to life expectancy, mobility, age, health condition etc...If you develope a serious health problem and want to be treated by 10 different specialists around the country Medicare A&B allows it. Not so for employer sponsored group health plans and/or Medicare Advantage plans
Posted on 6/6/25 at 3:23 pm to Disco Ball
KEEP MEDICARE when you turn 65. Don’t go with those replacement plans that make all those promises. I work with case management at a hospital. They’re a nightmare when you need them. If you have Medicare, you can get what providers say you need. Yes it’s more expensive to pay for a supplemental to go with Medicare but worth it in the long run.
This post was edited on 6/6/25 at 3:24 pm
Posted on 6/6/25 at 3:28 pm to crownroyaltiger
Even if they did, government would deem it non-qualifying so you have to pay for MediCare at 65yo.
Posted on 6/6/25 at 3:34 pm to Lsukinesalum2001
quote:
KEEP MEDICARE when you turn 65. Don’t go with those replacement plans that make all those promises. I work with case management at a hospital. They’re a nightmare when you need them. If you have Medicare, you can get what providers say you need. Yes it’s more expensive to pay for a supplemental to go with Medicare but worth it in the long run.
90% correct but in the long run it is not more expensive to stay with real Medicare and a supplement. Since 2012 when congress and the senate allowed President Obama to take control over and cut Medicare Advantage to fund Obamacare these plans now all have a hidden yearly out of pocket cost of 4000 to 8000 diollars and this is only if you and your family can confrom to the plans limited plan of care which is almost impossible especially with a chronic health condition. I have a desktop full of cases of families in crisis due to these horribly deceptive plans and desperatly trying to find a way back to Medicare. Some I can help others it's too late.
Posted on 6/6/25 at 4:04 pm to Disco Ball
DIsco-----Let's say that a person had a vocation that paid a supplement
after retirement and to keep that supplement, that person had to stay on with
that entity and the choice of plans that entity provided and make up the
balance of the plan selected out of pocket.
Now--let's say that when the person reached 65 and went on Medicare
they went on an Advantage plan to save the cost of a case a beer a
month and to say F you to the retirement supplement provider and still
continue to get the $110 a month retirement benefit.
How hard is it to get back on traditional Medicare?
after retirement and to keep that supplement, that person had to stay on with
that entity and the choice of plans that entity provided and make up the
balance of the plan selected out of pocket.
Now--let's say that when the person reached 65 and went on Medicare
they went on an Advantage plan to save the cost of a case a beer a
month and to say F you to the retirement supplement provider and still
continue to get the $110 a month retirement benefit.
How hard is it to get back on traditional Medicare?
Posted on 6/6/25 at 4:24 pm to Jim Ed Love
quote:
DIsco-----Let's say that a person had a vocation that paid a supplement
after retirement and to keep that supplement, that person had to stay on with
that entity and the choice of plans that entity provided and make up the
balance of the plan selected out of pocket.
Now--let's say that when the person reached 65 and went on Medicare
they went on an Advantage plan to save the cost of a case a beer a
month and to say F you to the retirement supplement provider and still
continue to get the $110 a month retirement benefit.
How hard is it to get back on traditional Medicare?
Well it depends on their situation. The feds know how wrong the MA plans are for most people so a few years back they passed a law that states if you accidentally join a Medicare Advantage plan and realize it won't meet your needs then you ARE allowed to move back to Medicare AND purchase a Medicare Supplement policy regardless of your health. But there's a catch. You have only 12 months fo figure this out and the Advantage plans know about this law so they gererally take care of your needs until you've passed that window of opportunity to leave. Now, if you're in resonably good heath than you can leave the MA plan and go back to Medicare and a Medicare supplement during the MA open enrollement each year. The problem is that members of an MA plan don't realize how bad the plans are until they have a health issue. With a major health issue I can still get them back to Medicare but it can take 9 months or more and they won't be able to purchase a Medicare Supplement due to their ongoing health issues. Moral of the story is that you need to get back to Medicare ASAP.
Posted on 6/6/25 at 4:44 pm to tigergirl10
quote:
Not teachers.
Well..."yes" and "no". Teachers in 15 states including Louisana don't pay into Social Security retirement benefits. Social Security benefits and Medicare benefits are two different things. If you were enrolled in 1986 or later than you you should be paying for and eligible for Medicare A&B at age 65 or less due to disability. Also, you can be eligible through your spouse.
Posted on 6/6/25 at 4:52 pm to Disco Ball
Good health ---Played D1 football, so have a broke bone or two. Used to run a 4.4 forty back in the day and I'm lily white. Cain't run it no more tho.
BP is always 115-120, 70-80 even when I'm stirred up. Had a heat stroke a couple a months ago (April) when I knew better but wanted to get that last post hole dug.
Had to go to ER and wound up staying 3 days. Humana Medicare advantage
are lower than the lowest copperhead or cottonmouth. Corksucking Suns a Beches. Initial claim was of coarse denied and had to bat signal Luigi.
I ain't gonna go thru that again. Can I wait till Dec. or should I act post haste?
Posted on 6/6/25 at 5:05 pm to Jim Ed Love
quote:
Good health ---Played D1 football, so have a broke bone or two. Used to run a 4.4 forty back in the day and I'm lily white. Cain't run it no more tho.
BP is always 115-120, 70-80 even when I'm stirred up. Had a heat stroke a couple a months ago (April) when I knew better but wanted to get that last post hole dug.
Had to go to ER and wound up staying 3 days. Humana Medicare advantage
are lower than the lowest copperhead or cottonmouth. Corksucking Suns a Beches. Initial claim was of coarse denied and had to bat signal Luigi.
I ain't gonna go thru that again. Can I wait till Dec. or should I act post haste?
You should be able to move back to real Medicare in October. The Medicare Supplement policy depends on a few health questions. Give me a shout whenever it's convenient and we'll go over the application. 225-202-8999
Posted on 6/6/25 at 5:07 pm to crownroyaltiger
quote:
This is what I mean, don’t want to work till 65, but healthcare plans on the open market are high!!
So you don’t want to work, but do want your former employer to continue to pay for health insurance for you?
Posted on 6/6/25 at 5:17 pm to Disco Ball
Roger-O
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