Medicare Tips for Seniors

What They Don’t Tell You and You Are Too Confused to Ask!

I’m MJ Stern and I started this blog because not everyone understands the Medicare health insurance. And needless to say, as we mature we can become a tad confused about what’s covered, what’s not covered, medications, and just about anything else you can think of relating to your health insurance.

My blog has been inactive for the last 2 years due to the passing of my best friend and husband.

What you won’t find here is anyone trying to sell you something. Just good “ole” information to help you understand and take out some of the confusion. And yes, any health insurance can be confusing!

I believe it’s confusing because they don’t want you to know.

Well I had to learn about Medicare under “fire” when my husband went out on disability. Of course, even if you are disabled, you have to wait two years (24 months) before you are eligible for Medicare.

We did find that Medicare for us has been one of the best health insurance plans around. What I plan on doing is writing about the different areas of Medicare, the different plans and coverage, issues with the system, and any thing you might want to have discussed. I hope to hear from you. Please feel free to leave a comment or question.

There are now four parts to Medicare and they cover different areas of your health insurance. Briefly,

  • Medicare Part A – Hospital Coverage
  • Medicare Part B – Doctors and Outpatient
  • Medicare Part C – Advantage (Private Insurance)
  • Medicare Part D – Prescription Drug Coverage
  • Optional:  Medigap/Supplement plans

Today, most everyone enrolled in Medicare (whether original Medicare or Medicare Advantage) are  happy with their coverage. Let’s hope it will be like this for generations to come!

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6 thoughts on “Welcome

  1. Thanks, MJ. I’m looking into the Medicare options and they are quite confusing. I’ll be checking in here often to see what I need to do — and how to do it. 🙂

  2. My husband is one that did not sign up for Part D when first offered.Now I have convinced him to do so, but it comes with a nice penalty on top of whatever plan’s premium we choose for him. He has never taken prescription drugs and still doesn’t. It’s been hard for him to sign up for something he doesn’t need at this time. Plus, now he will have to pay this penalty on top of the other cost for the rest of his life on medicare part D. Just doesn’t seem right!

    • It seems like a waste of money to purchase something you don’t need. Look into the Humana/Walmart Part D plan as it costs only $12.30 per month. I don’t know how you can get the penalty removed, but that’s something I will research. Best of luck!

  3. I am trying to find someone to help get my part b and d penalty.I went through Senate Corkers office they can not help.I went on disability years ago but Senators I’m told are not able to help get penalty reversed. I had full coverage for years but then BlueCross BlueShield of TN decided they could no longer afford to pay for my insurance so I had to go on Medicare. My penalty is over $100.00 a month. I have been waiting over 2 years for a hearing. If I can get help I don’t have to go to hearing. Millions of people have to pay a penalty the penalty goes to help people who can get help to pay their Medicare insurance. If you know anyone who can help me please email me at debijhewitt2013@gmail.com…..I can not afford this penalty and I make just a little over to get help. Thank You! Debbie

  4. I agree that it’s important to know the different kinds of plans available for your Medicare. Health plans can be confusing for anyone that isn’t familiar to try and figure out but it’s good to know your options. I will be sharing this information on Medicare with my grandmother.

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