Health Care Article


Health Insurance after Retirement

Health Insurance after Retirement

Understanding your health care rights, sorting through insurance policies and finding a way to pay your medical bills can be daunting tasks. But there are resources to help educate you about your rights and help you weigh your options.

You may be entitled, by law, to continued coverage under your employer’s group health insurance plan for a short period of time. In addition, some employers actually maintain health insurance for their retired employees. But obtaining private individual coverage as a senior can be expensive and difficult, particularly if you have a pre-existing condition.

As a senior you do have other options. Medicare, Medigap policies, health maintenance organizations (HMOs), long-term care insurance, AHCCCS or veterans’ benefits may help cover your medical and long-term care expenses


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  • I CANT FIND A LAWYER WHO WILL TAKE MY CASE. I AM SUFFERING FROM A HYPOXIC BRAIN INJURY AFTER BOWEL OBSTRUCTION SURGERY. IM RUNNING OUT OF TIME TO FILE. WHATEVER HAPPENED TO JUSTICE FOR ALL?
  • My mother had quad bypass surgery 10/07. Upon coming home from the hospital we needed a caregiver to help my mom take her meds go to the bathroom , feed herself , bathe herself etc. After 90 days my mothers LTC kicked in. We filed a claim with Humana , which is the provider that administers her medicare , on 04/20/07. We called a couple of weeks later and were told it takes 30 days to process. We then called the end of May and were told they have it but to wait another 30 days. We called at the end of June and were now told it was in the wrong dept but it would now be expedited. I called mid July spoke to a "manager " Joe Clark who said it was still in the worng dept but he wopuld expedite it and call me back in 1-2 days. NO CALL 10 days later I call and speak to Stephanie, and she tells me her sup. will call me back NO CALL. i call 5 days later speak to Woodley , he tells me he has no idea about the delay but will rush it. I call at the end of July speak to yet another manager who tells me they "changed" vendors and need me to refax the entire claim. She asks me what the claim is about I tell her and she tells me that what I described to her is really more "housekeeping" work and not covered. KEEP IN MIND she hasn't even reviewed the claim. I am now approaching 4 months since we first submitted this and I am at wits end. What are my options to get this expedited one way or another
  • My father-in-law just got approved for AHCCCS. He had originally signed up for Humana so wondering if he can still use the Humana?
  • My parents are on social security income only and we are evaluating whether to put my Dad in a nursing home. He would most likely be eligible for ALTCS. My parents own their home and it is the only asset left to support my mother. I heard that a nursing home can take half the house value if the house is sold within 3 years of my father entering a facility. Can the home be put into a trust for my mother or sold to a family member before my father enters a nursing home to avoid this?
  • Do I need long-term care insurance?
  • Don't qualify for AHCCCS,to young for medicare, if there is a catastrophic health issue I do not want all my savings wiped out so where can this money be put where the debtors can not touch it. Trusts?Where can my money be protected?Financial help/applications will want to know all about your accounts and will take every dime you have. I have paid my bills in the past. This is just a hypothetical question in case of a major illness. I simply cannot afford health insurance beginning in 2019
  • I recently moved to Arizona from Oregon. I tried to be seen by a local internist and was refused service without an explanation. I have no conditions which could make me a concern. I asked the office for their evaluation criteria and they would not provide it. If they are going to refuse service, they should at least state the grounds for doing so.
  • What age can you start getting senior help with the des programs?
  • The provider that diagnosed my son with autism is withholding records due to non payment. The law says she cannot do this. What is my next step?

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FIND LEGAL HELP

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OTHER LEGAL RESOURCES

  • State Bar of Arizona
    www.azbar.org
  • Maricopa County Bar
    www.maricopabar.org
    Referral number 602-257-4434
  • Pima County Bar
    www.pimacountybar.org
    Referral number 520-623-4625
  • National Domestic Violence Hotline
    800-799-7233
  • Bankruptcy Court Self Help Center
    866-553-0893
  • Certified Legal Document Preparer Program
    Link

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MEDICARE IS HERE TO STAY

LINKS

Arizona Health Care Cost Containment System (AHCCCS)

Arizona Department of Economic Security

Medicare On-line

Area Agency on Aging

Arizona Dept. of Insurance

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