For the first time, I have to decide on dads supplemental insurance and I am like a fish out of water. He barely uses it, because I try to keep him in his VA environment. He is in a ALF right now, but the medicines are taken care of by VA Home Health Prime, who supplies the doctor and does evals and nursing care as a special service tucked away under his VA benefits, for no extra charge. Which doesn't mean that he has no medical part of ALF, but it has been reduced by $300 bucks a month (we pay 800 just to have the pills given to him twice a day.
Anyhow, can anyone tell me why I need the supplemental? What will it pay for if VA is taking care of his meds, physical therapy and evaluations? VA asked if I had secondary insurance... and we did, until one of the rehabs messed it up by putting him onto a prescription plan they didn't have the authority to do (unless it was in the fine, fine print). I am totally baffled. United says it is $226--I think that means a month, but I cant tell.... dad used to get supplemental with part of his medicare, part b...?