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Coffee Klatch



   Grahamcracker  I was just made aware of a Medicaid scam. My next door neighbor is Mexican. Don't know if they're citizens, but are here legally. Her mother-in-law was staying with them for a month, then went to a daughter's home a few blocks away. The MIL has cancer. She's having chemo and radiation here. Neighbor said Medicaid is paying for it. I was confused and said she lives in Mexico. Neighbor said she' s a legal resident. She comes and goes. She sure does. She comes here for benefits and then goes back to Mexico. Neighbor's father did the same thing a couple years ago. I was confused but never asked how he could be covered by Medicaid for his chemo. What seems to be happening is the adult children say they'll sponsor mami and papi. They get their green card, hop,back to Mexico and come here when they need medical care. This is wrong on so many levels. Am I the only one that didn't know about this scam?
August 16 at 19:50 EST .




   Tulsa  Flaming Sword. I called locally and found that SHIIP is not called SHIIP in each State. It's called SHINE in FL. It's called OSHIIP in OK, etc. But by calling the 800 number I listed below, they can give you the 'SHIIP' office in your city or state and that office can tell you if there is a senior org in your city that helps you enroll in Part D or answer any and all Medicare questions about supplemental ins or anything else.

Our pharmacy is too busy too help, tho they would certainly do so if asked.
August 7 at 12:01 EST .

   1 person like this.




   Tulsa  By increasing our homeowner deductible from $1000 to $2000 per incident, we saved $400 annually. In 15 yrs we have had one claim from 3 hail storms in a row one spring...new roof required.
August 5 at 13:08 EST .

   2 people like this.




   Flaming Sword  Ok, stupid question time. I turned 70 in May. Applied for Social Security for the first time. I still work at a full time 40 hr week job with insurance, 401k, etc.. SS signed me up for Medicare-basic part A at the same time. I assume my company will balk at the double coverage soon? Where does one go to find about supplemental coverage, what I should take? All of it,some of it? I am totally in the dark about this. Do I need to sit down with a professional to explain this to me? Where do I go? I have no intention of relying on the internet for something so important. I don't know Part A,b,c,d,e,f, from a hole in the ground.
July 29 at 19:07 EST .

   3 people like this.



   Jerico  Well medicare is always your primary insurance. Anything else is secondary. Medicaid always pays last. Part A = HIB or inpatient hospital. Part B = SMIB or supplemental medical insurance benefits-covers dr bills, er, etc. Medicare D-RX you have to sign up for a plan. It is best to speak with your pharmacist to see what plan is going to benefit you the most. There are HMO plans also. Medicare B and D have a cost. D's cost depends on which plan you pick.
https://www.medicare.gov//supplement-oth
er-insurance/how-medicare-works-with-oth
er-insurance/how-medicare-works-with-oth
er-insurance.html

I hope this helps
July 31 at 06:24 EST .

  3 people like this.



   Tulsa  You should receive Medicare & You 2018 in Sept. or Oct. Section 1 explains the Parts.

Part A is free. Part B is dr. and is deducted from your 'award check monthly'. Federal taxes are deducted monthly.
Part D is deducted monthly if you designate it so when signing up annually. Part D is optional.

You sign up for Part D (prescriptions ) annually from Oct. 15 thru Dec. 7. You may go on line to medicare.gov. sign in and compare part D plans. Which meds they cover is as important as the cost of meds.

If you are on meds and join a Part D plan, they must fill your meds the first time. That gives you time to be pre approved (required of some meds ). You will see a PA by the medication. If a med is not on the drug plan you may request a formulary exception. They will fax your dr office and see if you can take something they offer. Your dr. simply as to say no, I want the patient to take what I prescribed and they usually approve the exception.

Medicare pays '80%' (it doesn't ) and Supplemental pays '20% of what Medicare pays. (note Medicare does not pay 80% ) Most drs. write off the difference. Some will bill you the difference. Same with hospitals.

The supplemental you chose is yours FOREVER. Their rates can and will go up and you have no say. You can not change plans. You may pay them or have this drafted from you checking acct.

There is an organization called SHIIP 1-800-224-6330. Call them and ask if there is a Seniors org in your town that will help you sign up for Part D if you want part D. Once you what them do it, you can do it yourself on line.

They also supply prices for Supplemental plans and which plan they recommend for seniors.

Another senior you know can be a big help with all this.

Best wishes
August 5 at 13:03 EST .

  2 people like this.



   Tulsa  I may be incorrect, but I believe you must be signed up for Part A and Part B to get part D (prescriptions ) which means you are receiving a SS check. Part C is medicare Advantage and covers more like ? possibly prescriptions?(Pls verify this with SHIIP ) The info I provided in my first comment is for 'original medicare'.

Understand medicare does not pay 80%, so supplemental is paying 20% of what medicare determines a dr or hospital 'should be charging'. You have to see the numbers to believe it.

And medicare only kicks in after your annual deductible is met. Your supplemental may or may not pay that deductible. Each plan is different.

It's rilly and truly not this confusing after the first year. And there are entire organizations for seniors that walk you thru it. Call your local 'meals on wheels' office and ask if they help seniors with medicare and part d (if you want part d ).

A trip to the SS office may be required. You can not have medicare and ins from your employer. It's one or the other. So unless you are retiring, do not sign up for Part B. ...or get part D (presc ) or Supplemental until absolutely necessary.

But you MUST ask SHIIP if there is a penalty for waiting to enroll in Medicare and sign up for SS. Please, please forgive typos...I'm rushing.
August 5 at 13:41 EST .

  2 people like this.



   Flaming Sword  Thanks everyone. This is so confusing.
August 5 at 16:44 EST .

 1 person like this.



   Tulsa  Flaming Sword. More info. For Part D (prescriptions which is optional ) all your medications are entered at medicare.gov and you are able to compare plans annually. There are senior organizations that will do this for you. Once your scripts are entered, they are usually there year after year even tho plans change. Plans come and go. You pay a monthly prem which can be deducted from you SS check if you mark the box when signing up for a Part D plan on line. You are given a number which is yours alone and allows you to find your list of meds which can be changed as needed. Meds added or removed, etc. Pls Note: Once you start Part D, if you fail to keep a plan (for a certain number of days/months ) and then try to sign up again, there is a fairly substantial penalty.

These plans can be very reasonable if you only take generic meds.
August 7 at 10:29 EST .

  2 people like this.





   MeiDei  A bit different, locate - by area - the objects listed below the picture. Use your zoom ; )
   July 9 at 13:16 EST .

   3 people like this.

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   Escaped commieny  good grief, maybe I am 'seeing things' that aren't there. A birdcage, sword, cake, 3 parrots, dustpan, cigarette, 2 bottles and a genie bottle, maybe that's the perfume. Golf ball, lemon,tassle and fan, OK.
July 9 at 14:50 EST .

  6 people like this.



   MeiDei  location, location, location ??? - (laughing )
July 9 at 15:01 EST .

  5 people like this.



   MeiDei  who can find the mink coat & give its location?
July 11 at 13:05 EST .

  5 people like this.



   Escaped commieny  Is it on the back wall between the lampshade and birdcage ?
July 11 at 13:40 EST .

  6 people like this.



   MeiDei  Good eye EC! How about locating the others?
July 11 at 16:58 EST .

  5 people like this.



   Gram77  The mink coat is hanging up rather high by the window at the rear of the room. This is neat...more please.
July 12 at 12:30 EST .

  6 people like this.



   MeiDei  How about solving this one first - where is the tassel, fan, lighter, lemon, golf ball - set of bongos, gold coin, pillow, heart, bookmark, etc.? I've one or two others to post once this one is solved. ; )
July 12 at 14:11 EST .

  5 people like this.



   Gram77  Oh, there is this much more? Sorry.....even so another one would be fun when we finish this.
July 12 at 16:03 EST .

  5 people like this.



   HopeandGlory  The lemon is on the seat behind the pianist.
July 12 at 18:58 EST .

  6 people like this.



   MeiDei  The heart is located in the backrest of each dining chair ; )
July 13 at 04:18 EST .

  5 people like this.


 View all 12 comments.





   MeiDei  I filed this away last year, there's more than 2 animals hidden - I can only remember 2 - maybe you'll find all the hidden animals in the tropical forest ... good luck w/this optical illusion. Zoom if need be.
   June 28 at 20:08 EST .

   4 people like this.



   Escaped commieny  So far 5 different animals, Those 3 little faces I marked as monkeys vs the baboon, gecko, alligator and fox.
June 29 at 09:12 EST .

  7 people like this.



   Gram77  The gecko has me stumped.
June 29 at 09:40 EST .

  8 people like this.



   MeiDei  Far left Gram, he's crawling up tree - head is where foliage is, long tail looks like a tree root or vine.
Where is the fox EC? The monkey to the right of the 'gator looks to be seated at the base of (what looks to me as ) an orangutan.
June 29 at 10:18 EST .

  8 people like this.



   Escaped commieny  Gram as a Floridian, the gecko should have jumped right out at you,LOL. I called the orangutan a baboon, and the fox has his nose on the bottom of the pic, tail up the tree just to the right of the gecko.What about those 3 little faces 1/2 up the middle tree ? Also thought I saw non animal profile of a Cherokee near them, but I need new glasses. (Mei-shop wall )
June 29 at 11:46 EST .

  5 people like this.



   Gram77  You're right EC. Goodness they are all over the place.
June 30 at 14:34 EST .

  7 people like this.





   MeiDei  Find the kitty time .... good luck using zoom.
   June 21 at 17:45 EST .

   3 people like this.



   Mike PHX  Mei, please stop this charade. You killed him...he's dead!
And you buried him.
Why, Mei...
Why??
June 22 at 21:09 EST .

  6 people like this.



   Gram77  There really is a cat there, Mike, When some one posts a "find the kitty" photo I use a trick to find it. It usually works.
June 23 at 08:33 EST .

  6 people like this.



   MeiDei  Ah Mike, some days you just have to zoom in ... there really is a live cat in plain sight & it's looking right at you! If Gram, or someone else, doesn't pinpoint it, I will - but let's give it a bit more time ... meanwhile keep cool in PHX.
June 23 at 17:43 EST .

  5 people like this.



   Gram77  The kitty is almost dead center and is orange and white.
June 24 at 07:32 EST .

  7 people like this.



   MeiDei  Exactly right!
Put a straight edged card from top left corner to bottom right corner [cat dead center] repeat going from top right corner to bottom left corner - see the little cutie?
June 24 at 08:16 EST .

  5 people like this.



   Mike PHX  I guess I should have mentioned that I'm colorblind...all I can see is mud, even with the directions.
Ok, I'm convinced, kitty is ok, sorry, folks.
Wait a minute, Grams...what do you mean "dead center"?
God, don't tell me...you, too?
June 24 at 20:06 EST .

  6 people like this.



   Gram77  I guess the word "middle" would have been kinder. Apologies : )
June 26 at 10:15 EST .

  6 people like this.



   Tulsa  I'm with Mike. I don't see no steenking kitty!
August 5 at 13:59 EST .

  2 people like this.





   MeiDei  What ended in 1896?
June 6 at 01:38 EST .

   3 people like this.



   GO3  1895.
June 7 at 00:54 EST .

  6 people like this.



   MeiDei  You and Larry the Cable Guy have something in common or you're Facebook friends - well done.
June 7 at 08:16 EST .

  8 people like this.



   GO3  We probably have something in common because I don't do Fakebook.
June 8 at 23:59 EST .

  7 people like this.





   MeiDei  brain teaser - What gets broken without being held?
June 2 at 22:33 EST .

   4 people like this.



   Mike PHX  Hello, Mei
A heart?
June 3 at 06:18 EST .

  7 people like this.



   MeiDei  Good morning & belated welcome back, Mike, yo were missed.

Heart is not the answer in the book, but after posting I thought there could be more than one good answer so I'll give it to you. "Promise" was the word.
June 3 at 08:37 EST .

  5 people like this.





   BirdsNest  Hello all. I am fine just really busy. And I have a lousy Internet connection. I get frustrated trying to type on my cell( like now ). I seriously miss Hagar and am forcing myself to garden. Still waiting for the farmer to till the garden. It has rained for several days so it gets postponed. I am helping out a friend who had a stroke and has found she has heart issues.
I miss Balogreene especially her recipes. Not that I would make them but she impressed me with those complicated dishes. I would like to know that her sister and mom are settling into their new home.
May 24 at 16:55 EST .

   4 people like this.



   HopeandGlory  Hello Birdie . . . so glad to see you posting . . . yes, we all miss Balo she, like you, were/are very good informative posters. God be with you.
May 25 at 13:49 EST .

  7 people like this.



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