A Boomer Lifestyle Blog

Friday, October 26, 2018

I'm Applying for Medicare Supplement

I'm going to spare you some of the details but I have been applying for Medicare Supplemental Insurance.  You know how articles talk about trying to do away with the mandated inclusion of pre-existing conditions, well something funny is going on already.  I called one of those companies that are supposed to represent multiple companies, to apply for Supplemental Medicare Plan F.  The least expensive policy, Cigna, would not take anyone who was required to take any shots.  So by having diabetes and taking insulin I was disqualified from Cigna.  I believe this will also eliminate some RA patients but I'm not that familiar with RA. 

One of the eliminating questions I was asked for the next company, Mutual of Omaha, was if any change had been made to the amount of insulin I take in the last two years.  At my last visit, she reduced one insulin down 1 unit and that raised a flag.  The company said he would go ahead and submit my application and he thought MoO would accept it since it was adjusted down. 

This morning I got the call from MoO and had to answer questions about the medicine I have taken since 2015.  Most I didn't even remember I'd taken.  In both cases, the pre-application process and the MoO follow-up, I was asked if I had ever had about 100 different diseases.  Most of these ailments I had never heard of.  I didn't even know that there were that many diseases.  Dang.  I hope nothing else goes wrong with me. 

So just a word of warning.  If you are using Medicare, you might want to apply for your Supplemental coverage before you get anything new they will use to disqualify you. 

My ornamental grass blowing in the wind yesterday.

It's Friday and I'm so excited.  Silly girl that I am, I still get excited at the beginning of the weekend even though I'm retired.

More later....


  1. I didn’t realize Medicare was like that Barbara. Good luck with it.

  2. Excellent luck and coverage with aarp supplement
    I use Humana for prescriptions and not sure why other than that was suggested by ex husband
    AARP has been the best!!

  3. I don't remember that hassle when I was making these decisions, but then there are things one puts out of one's mind.

  4. I just have straight Medicare mainly for when I was eligible, I was quite healthy and didn't even get Part D. Kind of regret that now. Good luck on your search.

  5. What a headache! So sorry you had to go through that.

  6. Thank you for sharing this. I have been thinking about a Medicare supplemental plan but I am so confused by them. If you buy one of these do they replace your original medicare? That's what confuses me. I have RA but I am not on any of the biologic shots.....yet.. They are RIDICULOUSLY expensive.. Please update us when you find a supplement plan, I'd like to know more. Thanks so much :).. I love your ornamental grass.. So pretty!

  7. I got my supplemental thru AARP as well. So far, no problems. But I hear that a lot of plans are now encouraging people to go into medicare advantage plans, instead of supplemental plans, because they're cheaper -- not so much for the beneficiary but for the company. Is that true?

  8. this is happening across the board with our insurance too.
    Because now they can. You're lucky you have medicare - they are trying to remove that as well.
    I don't think I'll have it when I'm 65. It's all so sad. Bad direction right now.
    Best of Luck Barbara.

  9. Oh, boy. What I have to look forward to!!! I will just have to take it one step at a time. It could be way different by the time I reach the process, as I have a ways to go. Right now, I have insurance, and it covers me and all the medical problems my husband is having with his hip. I will be thankful for that and think I'd better put the future on the back burner for now:). My sister and I just joke around that if our lives continue as they are, we won't make it long enough to need that retirement insurance anyway! LOL! We are just busy and have a lot on our plates at this time, and it's better to laugh about it than to cry:).