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@Pony, you must realize you were paying into Medicare Part A from your paychecks. That's why it doesn't cost extra. Part B is optional and up to you on whether you want to accept it or not. That's the one that comes out of your SS each month.
But Part B is NOT optional. If you don't take it, you are penalized. And they'll hijack your SS check for the Part B funding.

In fact, from what I am reading so far, if you don't take Medicare at a certain point, they'll just withhold your SS check. And we are all essentially held at gunpoint to contribute to Medicare, just like taxes and every other line item the parasitic "elite" bleed off from those who actually work for a living.

Land of the free? I don't think so.
 

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Can someone explain this to me.....

I just looked at a old paycheck of mine.
SS comes out separate and Medicare came out separate.

So when I get my SS check, the part for the Medicare ( $ 170 ) comes off
the top of it first and goes to my health insurance company. I then get the
balance of the SS money. When I have a medical claim, my insurance
company gets billed for it. I get the co pay part to pay. I don't have
any other additional insurances to supplement.

So I understand there is a Part A....and a part B....
but when I see my insurance statement after a claim.......
.there is no breakdown of what went where.

So where does the money for the medicare that came out of my paycheck,
when I was working......
on a separate line, where did that go ?
Because now we are paying again for our Medicare coverage.....correct ?
Or is this the Part A......and how does it apply to a bill ?

r i
You paid for Part A, that's hospitalization. Part B or Advantage is for everything else, like Dr's visits. That's what you're paying the 170 for each month.

If it's, say a doc visit and labs, that's Part B.
 

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But Part B is NOT optional. If you don't take it, you are penalized. And they'll hijack your SS check for the Part B funding.

In fact, from what I am reading so far, if you don't take Medicare at a certain point, they'll just withhold your SS check. And we are all essentially held at gunpoint to contribute to Medicare, just like taxes and every other line item the parasitic "elite" bleed off from those who actually work for a living.

Land of the free? I don't think so.
Part B is absolutely optional. You make the choice to have it or not. If you don't choose to have it until a later time then you're penalized. That was your choice knowing the penalty would happen for late sign up.

I don't know where in the heck you got they'll withhold your SS. They don't. Can't legally do so since you paid into it.
 

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I don't know where in the heck you got they'll withhold your SS. They don't. Can't legally do so since you paid into it.
It says so right on the medicare site. I also have a letter from SS stating the same thing. They CAN and they WILL because they are the gov't and do pretty much what they want. And there is not a blasted thing you can do about it.

I was wondering why AARP and senior advocates hadn't started screaming about this years ago. I guess we are
supposed to be grateful to be "allowed" to have health coverage at such a "reasonable" price.

Optional means you don't have to have it, not that you don't have to have it NOW. Being penalized basically means
it is not optional.
 

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It says so right on the medicare site. I also have a letter from SS stating the same thing. They CAN and they WILL because they are the gov't and do pretty much what they want. And there is not a blasted thing you can do about it.

I was wondering why AARP and senior advocates hadn't started screaming about this years ago. I guess we are
supposed to be grateful to be "allowed" to have health coverage at such a "reasonable" price.

Optional means you don't have to have it, not that you don't have to have it NOW. Being penalized basically means
it is not optional.
Links? The only thing I find involves SSi which is not SS.

If you choose not to participate in Part B when eligible, then ten years down the line have to see a doc regularly. Why should you have the same benefit without penalty that others have been paying since eligibility?

Most of us don't spend that 170$ each month for medical charges. Basically it's banked for when we need it later.
 

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wish my sil was here sounds like what my daughter was saying last night. they got mad and quit talking
 
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The downside to refusing Medicare is that all private insurance ASSUMES and is BASED ON people getting Medicare part A and part B. There is Medigap insurance, but I dare you to find a private policy after age 65 without having Medicare part A and B. Sure there are exceptions for disabled vets and such. And if you are still working with a group policy in effect.... And I think there is a way to buy into Medicare for those that say became USA citizen late in life. But its not super cheap or anything.

Does make you wonder what those that didnt put in enough quarters to get SS or Medicare do? Wait until medical bills bankrupt them and then put them on SSI ??? Lot times these things arent really thought through very well. Sure be very few people in this situation, but still just bankrupting people and then giving them charity doesnt seem best solution.
 

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I've had to sign up this year and Medicare plus a supplement is cheaper than what was being paid for my coverage through DH's policy. I've also had the opportunity to 'break it in' with my ankle fracture a couple of months ago. Multiple appointments, casting & splints, xrays, surgery, physical therapy later.... they said my deductible for the year was $233 and that really is what it is. I had been thinking of signing up for an Advantage plan, but experience is now telling me that I chose well with standard Medicare and the supplement. Despite the name, Advantage really doesn't seem to have any advantages.
 

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Steal money from your paychecks all your working life, then give you an offer you can't (they believe) refuse, because if you do, you voluntarily forfeit all that they stole from you. Sales tactics like these create "hesitance" among people of my stripe.
 
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Why should you have the same benefit without penalty that others have been paying since eligibility?
Why should one get penalized for not using something for ten years that is supposed to be optional?
Just choosing an arbitrary age for eligibility is what I find unacceptable. Especially when you are essentially
forced to sign up just because you "became eligible". That is like forcing someone to buy car insurance
because they are driving age, but they don't have a car.
 

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Alice, I don't plan to ever need it. I'm not going to sign up and pay for a service I don't plan on using. If car insurance weren't mandatory I wouldn't have that, either. The best insurance is cognizance. Insurance wouldn't be such a massive racket, like state lotteries, if the house did not always win. What people like me and others object to is being forced to pay for a service we don't want. We're basically bitching about socialism, since that's what it boils down to. We're forced to pay into it so that the guy that eats Mcdonalds five days a week and rides a motorized scooter can get his cheap health insurance. The responsible healthy subsidize the irresponsible sick, and hence creates a burgeoning class of chronically sick people. The last few years have put health.co.gov in a blinding, florescent light which has exposed ugly nethers.
On a positive note, most people in western countries are literate, books are cheap and the Internet is here. Discrimination of the information is vitally important and comes with maturity.
There are people in "3rd world countries" who climb trees and ride their horses till they die one night in their sleep, somewhere between 90 and 100. There's a real problem here, in our "rich" nation, which won't be solved by looking out to conglomerates, but rather within.
 
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I got SS at 62 because I was sick and had no income. Also did the math and won't break even until 76 compared to taking the larger amount at 65. I didn't have the opportunity to get Medicare until I was 65. I think both A and B were required at that time. My SS check went down $170? a month to pay for it.

You must have prescription drug coverage. If you don't the gov fines you. The longer you are without, the higher the fine. You pay the fine every month as long as you live. I was without for a while so I pay $7.50 a month.

I got a Blue Cross advantage plan. It's zero premium per month and you have to use their preferred providers. It covers most prescriptions and has $50 a quarter credit for over the counter meds thru CVS. There are other small benefits for dental, vision, and health clubs.

If you are over 65 and low income you can get Medicaid to cover your $170 part B premium but only if you have few assets. I have 2 rural properties and my own home, free and clear. I'm cash poor and land rich. I don't qualify for Medicaid.
 

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@Max Overhead, don't plan all you want. Stuff happens.

Hubs was a healthy person. Rarely needed a doc for anything. Six months after he retired he started having health issues. There were a lot of doc visits trying to figure out what was wrong. Two weeks in a local hospital, six weeks in a university hospital, doc visits on release, then back in the local hospital for two weeks. Lots more doc visits. Outpatient cancer treatments. More doc visits.

The oncologist, the radiologist, the pulmonologist, the primary care, thoracic doc, the general surgery guy. Without Part B we would have been toast financially.

There was no indication if all we looked at his general health to know this was coming.
 

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Planning not to need health insurance is fine as long as you also plan to die in pain after a car accident caused by a drunk driver, suffer for months or years with brain damage from a stroke, or forgo cancer treatment.

I wish you all the best, but I know too many folks who have needed healthcare later in life to make the decision that you are.
 
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