Early (disability) Medicare questions

Please feel free to read, share your thoughts, your stories and connect with others!
zephyr
Posts: 142
Joined: Thu Aug 18, 2016 7:31 am

Early (disability) Medicare questions

Postby zephyr » Sun May 27, 2018 12:49 pm

I'm on disability as a result of CRC and will be automatically enrolled in early Medicare in a few months. I have been told that the only Medicare supplements that will be available to me will be HMO plans. Apparently when you come into Medicare early because of a disability, your options are limited -- at least that's the case here. I will be setting up an appointment to meet with the insurance/billing folks at the cancer center to find out how the change in insurance might affect my treatment options but I have a lot more faith in the people on this forum giving me good advice. Has anyone dealt with these issues and can anyone give me some tips/advice?

Thanks in advance for any help you can offer.
Nov-2009 Early stage CRC found during routine colonoscopy
2010, 2011, 2014 Follow up colonoscopies, all clear
Jun-2016 CRC found during routine follow up colonoscopy, surgery, Stage 4, KRAS, inoperable lung mets
Aug-2016-May-2018 Folfox, 5FU & Avastin, 5FU, Folfiri & Cyramza
Aug/Sep-2018 YAG laser surgeries (Germany) on both lungs, 11 nodules (9 mets) removed

WarriorSpouse
Posts: 161
Joined: Tue Aug 16, 2016 9:02 pm

Re: Early (disability) Medicare questions

Postby WarriorSpouse » Tue May 29, 2018 9:05 pm

Take the supplemental HMO offered. Between the Medicare / Part B and HMO supplement, everything will be covered. The HMO should cover the co-pays for Part B. It is the best coverage with one policy complimenting the other. Make sure your HMO has a drug plan too. It sounds like you are in good hands with whoever has you to this point. Good luck!
Spouse of wife 47 years old
10/2014, Stage IV Metastatic CC
Lymph node involvement 12/15, w/ positive PET on para-aortic lymph nodes.
5 cm sigmoid tumor resection as well as positive Virchow lymph node.
KRAS mut, Highly Differentiated, Lynch Negative
Folfox and Avastin 1 YR (Oxi for 5 months) NED 05/2015
Zeloda and Avastin since 01/2016
Chemo break 03/2017, back on Zeloda and Avastin 04/2017.

"...Perseverance is not a long race; it is many short races one after the other."
-Walter Elliot

zephyr
Posts: 142
Joined: Thu Aug 18, 2016 7:31 am

Re: Early (disability) Medicare questions

Postby zephyr » Wed May 30, 2018 9:40 am

Thank you, WarriorSpouse!
Nov-2009 Early stage CRC found during routine colonoscopy
2010, 2011, 2014 Follow up colonoscopies, all clear
Jun-2016 CRC found during routine follow up colonoscopy, surgery, Stage 4, KRAS, inoperable lung mets
Aug-2016-May-2018 Folfox, 5FU & Avastin, 5FU, Folfiri & Cyramza
Aug/Sep-2018 YAG laser surgeries (Germany) on both lungs, 11 nodules (9 mets) removed

RobDontGiveUp
Posts: 30
Joined: Mon Jul 06, 2015 9:17 pm

Re: Early (disability) Medicare questions

Postby RobDontGiveUp » Sat Jun 02, 2018 11:45 pm

I went on medicare this year and changed my wife's insurance through work from PPO to HMO. It saved us a lot of money and everything has been seamless..until now...maybe. Going on Stivarga, which is an oral medicine so I'm not sure how much my wife's HMO is going to cover. I didn't get part D, because I didn't real think I would need it and no one pushed back at me not getting part D at my oncologists office when I met with the billing insurance department. Not sure what my copay but the people at my ones office are confident they'll find me money for the drug so I don't have to pay for it. Well see.

Basically what I'm saying is think hard and ling about whether or not you should get Part D :)
35 M dx Stage IVA colon cancer 7/15 w/
mets to retroperitoneal lymph nodes, suspected neck and para aortic as well
CAA 19-9 <3
12 rounds of FOLFOX W Vectibix 7/15
partial remission with shrinkage of tumor and ln's. Switch to XelodaAvastin 12/15
complete remission NED 6/16 Still on XelodaAvastin
Cancer returns in ln's Start Folfiri Vectibix 10/16
Shrinkage in ln's Folfiri vectibix 2/17
Tumor returns to cecum but ln's remain stable, right hemi 7/17
Folfiri Vectibix 8/17
lung mets 2 nods 2.5cm Stivarga 6/18

zephyr
Posts: 142
Joined: Thu Aug 18, 2016 7:31 am

Re: Early (disability) Medicare questions

Postby zephyr » Mon Jun 04, 2018 4:24 pm

Thanks, Rob. It looks like I might be switching to some oral meds so that issue has been added to my list of questions.
Nov-2009 Early stage CRC found during routine colonoscopy
2010, 2011, 2014 Follow up colonoscopies, all clear
Jun-2016 CRC found during routine follow up colonoscopy, surgery, Stage 4, KRAS, inoperable lung mets
Aug-2016-May-2018 Folfox, 5FU & Avastin, 5FU, Folfiri & Cyramza
Aug/Sep-2018 YAG laser surgeries (Germany) on both lungs, 11 nodules (9 mets) removed


Return to “Colon Talk - Colon cancer (colorectal cancer) support forum”



Who is online

Users browsing this forum: No registered users and 40 guests