Should my mother keep her supplemental insurance?

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Ambriel Asked April 2016

Should my mother keep her supplemental insurance?

Medicare supplemental insurance vs medicare-medicaid "Medi-medi" My elderly mother has medicare and a supplemental insurance that cost her $220 a month. She has no assets and only draws $1200 in Social Security. She has no other source of income. We are at the point that she needs to go to a personal care home. Should she continue to pay for the supplemental insurance or go full medicaid? Thanks in advance for any info.

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score 0 · Answer 1

Not sure supplemental insurance is worth it if you have Medicaid. I think Medicaid will pick up what Medicare did not cover. My dad no longer got bills with copays or had to pay for meds once he had Medicaid.

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score 0 · Answer 2

If she is going to keep the supplemental insurance maybe you can look for something that is cheaper, maybe with a slight deductible. In her case it seems like medicaid would be the way to go.

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score 0 · Answer 3

Thanks, Pamstegma. It only covers so many days of at a Skilled Nursing ...which the doctor has to order and he won't do it because he said he can't order her to the hospital unless it for an "acute" reason.

What I am trying to figure out at this point is does it make sense to keep the supplement since she is eligible for medicaid too. Is she just throwing her $220 per month away or is it covering something that medicaid won't?

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score 0 · Answer 4

Read your policy carefully. It may not cover a "care home", especially a small one with no license.

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Should my mother keep her supplemental insurance?

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