Brings back a memory of about 6 years ago. Had a guy that came to a seminar and set up an appointment afterwards to talk about supplement and MAPD, for the appointment he brought in some recent EOB's from Medicare which he had been on a couple years and wanted to explain why he might need either supplement or MAPD. He had been going straight Medicare I think it was about 3 or 4 years. Well, I explained how the supplement works with Medicare and he'd pay a monthly premium and then nothing after (plan F at that time) Then explained the co pays on MAPD and physical therapy came up and I said on supplement he would pay nothing with a sup and a $40 co pay with MAPD. He pulled out his Medicare EOB's for physical therapy and his responsibility under straight Medicare was only $8.00 and said he didn't need either supplement or MAPD. Oh, he never signed up for a Part D plan and in his 3rd year of penalty which I explained.
I did explain that $8.00 he paid for pt would not apply to other procedures especially a major surgery and 20% could eat him alive he chose to stay put on A and B only. I did see him in a grocery store on and off for a few years and then one day he decided to stop and talk and told me he should have gotten a supplement when we talked at the appointment because he now indebted 20% of a major surgery of something like $15,000 (must have been a big surgery because we all know Medicare approved amounts in most cases aren't that much). As far as I know he never did purchase a Part D and now with my company did not qualify for a supplement for health reason's. Don't know if he would have qualified for UHC which is a bit more lenient if you don't purchase a Supplement when you turn 65. He wrote off a Med Advantage from the start.
At the first appt I could not get through to him that his $8.00 would not always be there. This is what happens when you deal with an engineer who wants to pick every GD think apart.
