The nice thing about visiting hospitals is all you can learn from the social worker. Baby boomers are still pre-Medicare but close enough to have teachable moments.
That was our experience last week when we asked how Medicare would cover a hospital expense, which of course is a commentary on just how close we are to Medicare. The social worker's answer surprised us. Medicare patients have a pretty good deductible of just a little more than a thousand dollars. But that's good for only 60 days.
Get sick right away and land back in the hospital? Your deductible is already paid.
Get healthy for several months and then land back in the hospital? You have to pay another deductible.
That's why people carry secondary insurance and, according to the social worker, it's cheap. (We haven't checked. But I'm sure we will.)
© 2009 Mary Bold, PhD, CFLE. The content of this blog or related web sites created by Mary Bold (www.marybold.com, www.boldproductions.com, College Intern Blog) is not under any circumstances to be regarded as professional, legal, financial, or medical advice. Or education advice. Or marital advice. Or even a tip.
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1 comment:
Yep, its called Medicare supplement insurance, which advertises that it pays what Medicare doesn't. The best secondary insurance to have is AARP, especially hospitalization. Check it out...just a friendly recommendation :)
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