I just tried to change my mom’s doctor (due to him taking 3 weeks to change Meds or write prescriptions) and the new doctor takes Medicare not Medicaid. I didn’t understand since mom wasn’t on Medicaid and they said they would need a secondary insurance to Medicare. That for them Medicaid isn’t one they accept. News to me.
What is the best options for that? My FIL uses United Healthcare and doesn’t have a deductible, but pays $180 a month.
I think the office was just trying to tell you what they don't except. Lots of doctors do not except Medicaid other not even Medicare. You don't have to have a secondary. Just that Mom has to pay the 20% balance. Unless, the doctor's requires a supplimental to be a patient.
You have to first find out what insurances your state allows. In my state it was only 3. Mom had AARP Medigap because she had a state perscription help. It only cost her about a 100 a month (remember no perscription coverage needed). There was a 5k deductable after a certain point. She had to share the 20% Medicare doesn't pay which was half of the 20%.
If its confusing then call your local Office of Aging and ask if they have someone who can help u choose the one for ur needs.
My dad pays about 200.00 monthly for his supplemental (which pays everything Medicare does not) and his prescription coverage. There is a 185.00 (roughly) deductible that everyone pays on Medicare, so once he has paid that annually his prescriptions are 0.00.
Contact an insurance agent that specializes in Medicare coverage for help in choosing the best option for your mom.
My dad has United Health plan G and Cigna prescription coverage, he is always telling me that people comment on how great his insurance is.
Hope you find something that works.
I would get educated on a Medicare (advantage) replacement plan ie Humana, they suck and you still have large deductibles. They don't cover anyone out of their "network". My dad had a 100k hospital bill they flat out refused. Ugh! Oh yes, you are not on Medicare when you choose one of these. Every person I know that has one complains about drs, testing, meds everything takes a long time and you have to use their providers for everything.
Let us know what you end up doing.
Best of luck.