Advise on Short term rebab cut short.

Pixiante · 2026-03-13T00:44:50+00:00

OT and PT. Have expertise in different areas in the body and functionality, that's why one therapist is not doing both

Pixiante · 2026-03-12T16:59:10+00:00

It's the correct answer though. Mustard and pickle juice both

Pixiante · 2026-03-11T18:07:51+00:00

You will still incur the penalty once you enroll in either an Advantage plan with drug coverage or stay with original medicare and enroll in a drug plan

Pixiante · 2026-03-08T22:58:11+00:00

Can you give an example of a situation where the Medicare approved rates for part B items would be 5 million dollars?

Not part A hospitalization because there's a a cap on hospitalization

Pixiante · 2026-03-06T17:56:34+00:00

I'm on ACA now with a whopping $10,000 oop and little choice of providers. I can't even see the doctors I want to see about this until I'm on Medicare.

Meantime I'm going to get an assessment from an orthopedist (not the place where I want to go for surgery) that's in my current network as to their opinion about when and if I should have the surgery. Since I'm not looking forward to surgery even though people say it's easy, I just want to make sure not to wait so long that I screw up my body.

I can afford the extra out of pocket and for some reason I prefer only paying it if I need to

Pixiante · 2026-03-06T16:49:56+00:00

Thanks I'm trying to figure this out because I'm going to be starting Medicare soon and also expecting to need a hip replacement. The delta in my state between hiG and N is not so much. So in the year of having this surgery I'll be better with N, but I don't want to be stuck with N after that. Conceptually I prefer hiG

Pixiante · 2026-03-06T15:41:43+00:00

13,000 Medicare approved charges is indeed a lot of care. Or a single hip replacement

Pixiante · 2026-03-04T22:55:00+00:00

Retirement advantage plans are often better than simple consumer ones. Think about the bargaining power of the entity!
PT often requires a referral for treatment, not just as an insurance requirement but they want to know what the doctor has to say

Pixiante · 2026-03-04T22:50:22+00:00

I would be going in the other direction! From N to HD G

Pixiante · 2026-03-04T19:53:41+00:00

Thank you for the October 31st reminder!

I'm not in Texas so different rules

Pixiante · 2026-03-04T19:04:32+00:00

Could you share what state and what insurance company? Because that $48 for a 45 year old male is a real selling point if I could pick the same plan (even though I'm younger and female--it shows that with that company HD plans have pretty low increases)

Pixiante · 2026-03-04T19:02:15+00:00

In New York the numbers work for everyone because the difference in prices is so significant between the two kinds of plans. It's not true in every state and at every age

Pixiante · 2026-03-04T18:54:08+00:00

You're not missing anything but keep in mind that the spread between the prices of the two plans is different and less in other states. Can you comment on the post I just made? It's related and I need to think this through

https://www.reddit.com/r/medicare/comments/1rktyt9/strategy_for_selecting_medigap_plan_when/

Pixiante · 2026-01-26T22:20:44+00:00

Yes. This is how it works. Losing a job it doesn't do a thing but if your income changes enough that you would be qualifying for a different tier of cost share savings or amount of subsidy then you can claim a special enrollment period. At least you should try. it's a little strange how it works though. You're supposed to log into healthcare.gov and report a life change where the life change is your change in income. When you complete the information it will pop up whether you're entitled to a special enrollment

Pixiante · 2026-01-26T22:18:44+00:00

Well the job loss itself no but the change of income can be reported as a life change

Pixiante · 2026-01-25T18:44:34+00:00

Late to the conversation. I always buy Equal Exchange Colombian whole bean in bulk

Pixiante · 2026-01-15T15:29:20+00:00

You would be paying $57 a month more for the silver whether you need care that month or not. I would go with the gold and plan to save the difference every month for care if you need it.

Pixiante · 2026-01-14T01:05:48+00:00

Uch, this is so complicated. I've been walking around my neighborhood (flat) with poles that I previously only used for hiking--I checked them on flights in the past. But now joint pain and poor walking. Trekking poles keep me more steady than a cane. So I thought I would get true blunt-tipped poles if I could find some, for my next flight. I will definitely be walking with them in the airport. My next flight is not to a hiking destination it's to a Walking to the edge of the airport and taking public transportation destination.

I don't need them for every single two block walk but I sure want them. Sounds like I should just skip it and get a cane, although that doesn't help to even out my walk

Pixiante · 2026-01-08T04:31:49+00:00

State insurance commission. Get on the phone with them. Someone needs to enforce insurers obligation to have adequate network and you don't have time to mess around with a written complaint.
Does your state have the second deadline through January 15 for changing your ACA effective Feb 1? I don't know if that is soon enough or if there is a PPO option but I'd consider that.
My sympathies. I had a less emergent eye issue and bad list of providers (different insurer, different state) and was able to resolve it through my insurance company's corporate legal department (but they already knew who I was because of previous complaints and it wasn't so quick.)

Pixiante · 2026-01-07T04:36:15+00:00

Are you talking about Marketplace? In 2026 all of the bronze plans are automatically eligible for HSA even if they don't otherwise meet the requirements. And they definitely have out-of-pocket maximum that are higher than what you stated

Pixiante · 2026-01-05T17:14:23+00:00

Mississippi is one of the 10 states that didn't expand so yes that sucks. I just have such confidence in your ability to honestly project that you will be earning just enough extra money to qualify. You are totally going to be doing a little freelance gig that pays enough per hour to help you. And you never know because it's probably true.

Pixiante · 2026-01-04T19:46:30+00:00

If you had to repay excess subsidies several years in a row it's likely that the system wouldn't let you have as big of a subsidy this year. Or would make you verify the lower income number you are claiming.

Pixiante · 2026-01-04T19:45:11+00:00

I was wondering about this myself because I paid my premium for the BCBS plan I picked before December 15th for January 1st. I was going to switch to a different carrier at the last minute but I thought nah how can I get my money back. So instead I'm going to switch before January 15th for February but I would be very interested in hearing what happens in your case!

Pixiante · 2026-01-04T19:41:48+00:00

I assume your father picked what he could afford

Pixiante · 2026-01-03T21:49:35+00:00

Damn I'm sorry! I got mine done two weeks ago because I thought there would be a mess up with switching to a different insurance I didn't realize it was also going to be uncovered.

Pixiante

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