I am my own caregiver and Medicare thinks I still have Blue Cross Blue Shield even though I do not. Anyone experience this?

First I want to apologize for getting on the forum as I am technically not a care giver other than to myself. I am not burnt out yet but didn't know what other area to post my question. To answer your response tacy022 our BCBS of Michigan policy was not a supplemental policy and it was through my husband's employment with GM. I do not get money taken out of my SS Check for Medicare Supplemental insurance. The only medical insurance I am supposed to have is Parts A, B and D. Money for Parts B and D is removed from my SS check.

I am sure Medicare is inundated with all of us Baby boomers retiring and perhaps that is the reason this is taking so long. I am also curious as to how this situation happened. My husband has no problem with Medicare as they know he no longer has BCBS and I only had it all those years as his spouse. (?)

You can get a letter of cancellation from BC/BS with specific dates that your coverage from them ended. Call your local Medicare office, explain your situation and ask where to send it. Make copies of this letter in case Medicare claims they never got it. Send it “signature required”. Send a cover letter and see if they will revisit each denied claim backdated to when your coverage with BC/BS terminated and refile it. Keep after them.

Your husband was an auto worker? If so, you should still be covered by BC as a suppliment. Once a retiree and dependent turn 65, Medicare takes over as primary and BC becomes the suppliment. Its automatic. You need to call the benefits department and see if ur covered. My DH pays out of his pension for me.

If not, you need BC to send u something showing ur no longer covered. Then send it to Medicare. The union made us pay for part B to continue with BC.

I had this problem because Medicare had BC as primary. I explained that when I turned 65 my BC changed to secondary. My husband had no problem. The rep changed Medicare to primary.

Hope this helps.

rlapeyre,

Sorry, but ur situation really bothers me. Did ur DH retire with 30 yrs service? Unless his contract was a lot different than my husbands, (he retired 2009 with 31 years)I can't understand why you don't get a supplimental thru BC. You should be down as a dependent and a survivor to his pension. I just looked at my husbands stub, he pays $34 a month for my medical. My husband pays nothing for his health insurance.