I am adult child diving into my elderly mother’s insurance. I know she has two insurance plans – Medicare (plan B I believe) and Aetna (she calls this her supplemental insurance that is part of my late father’s pension, I believe). State is Calif. Here are my questions:
Would medicare always be listed as primary insurance, and aetna as secondary? Or should that be reversed? When confirming coverage, do I call both medicare and aetna to confirm eligibility and cost? When the doctor asks “do you have a plan for prescriptions?” is the question asking if one of those two provides prescription coverage, or is there additional prescription options that I should investigate to get a card for that as well? Does medicare have ‘in network’ requirements as well, so all facilities need to be verified rather than relying on the doctor’s referral? Do all of these medicare questions rely entirely on whether it’s plan A, B, C or D and can those be changed? How the heck do old people navigate all of this if they don’t have a family member handling it?
I was getting ready to call to confirm coverage for an upcoming procedure and make sure we’re going to a proper facility but realized I don’t even know which insurance to call. Thank you!
submitted by /u/kaysharona
[link] [comments]
I am adult child diving into my elderly mother’s insurance. I know she has two insurance plans – Medicare (plan B I believe) and Aetna (she calls this her supplemental insurance that is part of my late father’s pension, I believe). State is Calif. Here are my questions:
Would medicare always be listed as primary insurance, and aetna as secondary? Or should that be reversed? When confirming coverage, do I call both medicare and aetna to confirm eligibility and cost? When the doctor asks “do you have a plan for prescriptions?” is the question asking if one of those two provides prescription coverage, or is there additional prescription options that I should investigate to get a card for that as well? Does medicare have ‘in network’ requirements as well, so all facilities need to be verified rather than relying on the doctor’s referral? Do all of these medicare questions rely entirely on whether it’s plan A, B, C or D and can those be changed? How the heck do old people navigate all of this if they don’t have a family member handling it?
I was getting ready to call to confirm coverage for an upcoming procedure and make sure we’re going to a proper facility but realized I don’t even know which insurance to call. Thank you!
submitted by /u/kaysharona [link] [comments]Read Morer/HealthInsurance