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Re: Wanted to join the Webex meeting this morning....
My spouse & I attended a wk ago. It said the mtg was 2 hrs but was only 1 hr & they didn’t answer any of the questions we posted so still need to make calls. I’m unclear about how much of the $3k HRA we still get (6k since we’re an IBM couple). I’m assuming we still need to pay SS for Part B (+ IRMMA if applic) AND pay the $131.50 + copays. Does anyone know??
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Re: Wanted to join the Webex meeting this morning....
开云体育The button – actually, text – is there now. ? From: [email protected] [mailto:[email protected]] On Behalf Of Ernest Fine
Sent: Monday, October 31, 2022 9:20 AM To: [email protected] Subject: [ibmpension] Wanted to join the Webex meeting this morning.... ? The URL in the brochure that was sent as part of our information packet is “webex.com”. Then click on the “Join a Meeting” button. ? I don’t have such a button. That webex.com URL lands me on a marketing page – nothing to do with joining a meeting. ? Anybody know what’s going on? |
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Wanted to join the Webex meeting this morning....
开云体育The URL in the brochure that was sent as part of our information packet is “webex.com”. Then click on the “Join a Meeting” button. ? I don’t have such a button. That webex.com URL lands me on a marketing page – nothing to do with joining a meeting. ? Anybody know what’s going on? |
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Re: SHAP - 2023?
Thanks Nancy.? I have found the online account easy to use, and the reimbursement is very fast; usually less than a week to appear in my bank account.? Huel? ?? On Mon, Oct 24, 2022 at 11:30 AM nancy Spear via <silverskates23=[email protected]> wrote: Just spoke to ACCLARIS. Anyone currently eligible will continue to be (no change). Reimbursements can be done via fax or your Via Benefits acct online. |
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Re: Really Confused about these IBM changes
I received my Medicare advantage info yesterday. I did not get the pension annuity letter. I need to call that IBM retiree info number to confirm:
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If I did get a letter about converting my pension to an annuity... then the current pension arrangements will continue. Thanks guys Brian -----Original Message-----
From: [email protected] <[email protected]> On Behalf Of hdttraveler@... via groups.io Sent: October 14, 2022 3:14 PM To: [email protected] Subject: Re: [ibmpension] Really Confused about these IBM changes I received my first and only correspondence, about the new Medicare Advantage program, on Sept 16th. Under its "What's Ahead" section on the second page in the "By Mail" section it said: "you will receive additional information by mail beginning in late September from IBM and UnitedHealthCare with plan details and information about what you need to do to enroll." I have not received this mailing. I called today and asked when I could expect it, and the person I spoke with was unable to give me an estimated time of arrival. I also asked how much the plans would cost me, and he was able to provide me with that information. ------------------ My best guess, is that the mailing that began in late September, will be superfluous for me. I suspect the "Plan Guide" pdf, provided on the website, provides all of that information, and perhaps more. |
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Re: Really Confused about these IBM changes
I haven't received anything more either, and really need to know what the procedure will be to file claims (such as the Medicare B premium reimbursement) against the FHA converted to HRA balance once ViaBenefits is out if the picture.? I see nothing explaining the reimbursement plan in the UHC documentation.? Have I missed it somewhere else?
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Re: Really Confused about these IBM changes
I received my first and only correspondence, about the new Medicare Advantage program, on Sept 16th. Under its "What's Ahead" section on the second page in the "By Mail" section it said: "you will receive additional information by mail beginning in late September from IBM and UnitedHealthCare with plan details and information about what you need to do to enroll."
I have not received this mailing. I called today and asked when I could expect it, and the person I spoke with was unable to give me an estimated time of arrival. I also asked how much the plans would cost me, and he was able to provide me with that information. ------------------ My best guess, is that the mailing that began in late September, will be superfluous for me. I suspect the "Plan Guide" pdf, provided on the website, provides all of that information, and perhaps more. |
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Re: IBM $3,000 Heath Care subsidy terminated effective 1/1/2023
First, that happened in 2013. Some of the rules have changed since. Second, the MAPs being offered are PPOs. That allows you to go to doctors who are not in their network as long as they take medicare. If those people had been in a PPO instead of an HMO, there shouldn't have been a problem to continue seeing their doctor as long as the doctor was willing to continue accepting them. You just make a higher co-pay, which in my experience has been $5-$10 more.?
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Re: IBM $3,000 Heath Care subsidy terminated effective 1/1/2023
Question:? With all of these companies fighting to sign us up, just how much do they receive from the federal government for eacg Medicare person they sign up, I guess it is also based on zip code. Thanks Joe Rothengast retired in 2011 Started in SBC'68 (NYC) IBM Time-Life Lab (NYC) VM Common System (Kingston) CAC Architect (Kingston) Network Lab Manager (Kingston) Usability (RTP) Router Dev. and Support (RTP) Lenovo (FPT Support)
On Thursday, October 13, 2022 at 12:25:11 PM EDT, Rich Beaudry <richpbg@...> wrote:
Thank you.? There are those who started years back with Medicare Advantage, were not happy with the coverage but were able to change to a Medigap plan when IBM started up with Via Benefits.? Now IBM is dropping us again (so much for guaranteed retirement medical coverage), this time pushing us to Medicare Advantage.? If we take the MA option due to apparently "favorable"?coverage/cost, we will probably not have a new one time "trial period" even if the MA plan should change to be unsatisfactory.? This "double coverage" option might be worthwhile for those who can afford to maintain the cost of both plans (could be $1500 or more for the year). Our Plan F has been very worthwhile, but the MA options as now defined would be financially helpful.?? Here's what Medicare has to say about concurrent Medigap and Advantage plans: |
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Re: IBM $3,000 Heath Care subsidy terminated effective 1/1/2023
This is really worth looking into! I am currently on Medigap Part G, and it seems to me judging by the verbiage in this document that I could sign up for the IBM Essential Plan at a 0 premium, and then use the freed-up HRA money to pay the Medigap premiums! I realize that I can’t use the Medigap plan while I am using the Advantage plan, but that seems like a small price to pay for freeing up my considerable HRA funds.
Anyone see a problem with this, or know of a rock-solid authority I can contact to get “permission” to do this in writing? |
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Re: IBM $3,000 Heath Care subsidy terminated effective 1/1/2023
Thank you.? There are those who started years back with Medicare Advantage, were not happy with the coverage but were able to change to a Medigap plan when IBM started up with Via Benefits.? Now IBM is dropping us again (so much for guaranteed retirement medical coverage), this time pushing us to Medicare Advantage.? If we take the MA option due to apparently "favorable"?coverage/cost, we will probably not have a new one time "trial period" even if the MA plan should change to be unsatisfactory.? This "double coverage" option might be worthwhile for those who can afford to maintain the cost of both plans (could be $1500 or more for the year). Our Plan F has been very worthwhile, but the MA options as now defined would be financially helpful.?? Here's what Medicare has to say about concurrent Medigap and Advantage plans: |
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Re: IBM $3,000 Heath Care subsidy terminated effective 1/1/2023
Interesting read on 'e health insurance', but can it be trusted???? And should you just eat the extra premium cost? And what is the new procedure to file for reimbursement from FHA converted to HRA funds for basic Medicare premium (the new 2023 rate 164.90 vs the current 170.10) when ViaBenefits goes away?
https://www.ehealthinsurance.com/medicare/coverage/medicare-supplement-and-medicare-advantage-plan-at-the-same-time/ ?
"If you enroll in a Medicare Advantage plan and keep your Medicare Supplement insurance plan, keep in mind that your Medicare Supplement insurance plan will not pay any of the Medicare Advantage deductibles, copayments or coinsurance. To keep your Medicare Supplement insurance plan, you will need to continue paying the monthly premium but you won’t be able to use it for health coverage, so it may make sense to drop your Medicare Supplement insurance plan when you begin Medicare Advantage plan.
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You do, however, have a legal right to keep your Medicare Supplement insurance plan after enrolling in a Medicare Advantage plan, even though the Medicare Supplement insurance plan will no longer provide you benefits. If you do cancel your Medicare Supplement insurance plan, you may not be able to get it back. Outside your Medicare Supplement Open Enrollment period, you may be subject to medical underwriting where current or past health problems could be grounds to deny you coverage."
Interesting... would like a definite answer for the basis of "legal right to keep"... ? |
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Re: IBM $3,000 Heath Care subsidy terminated effective 1/1/2023
开云体育
You cannot have more than one Medicare plan or supplement at one time.
Suggest you do some searching on Mediare.gov
From: [email protected] <[email protected]> on behalf of marco.rentals@... <marco.rentals@...>
Sent: Wednesday, October 12, 2022 10:26 AM To: [email protected] <[email protected]> Subject: Re: [ibmpension] IBM $3,000 Heath Care subsidy terminated effective 1/1/2023 ?
I would be most interested in the answer to the slightly altered question,? "so could you then drop the MAP after
60 months and as you never quit the supplement policy are you now covered again?"? My wife and I are both IBM 2nd chancers and we have a total of $80K in 2 HRA accounts.? Since those funds would go poof if we stay with original medicare,? we
would not care if the funds are used to pay a medi-gap premiums without coverage.? ?Who can we contact to get an authoritative answer to this question?? If we could do that we would keep the "redundant" medi-gap policy and quit the MAP coverage when our HRA
funds are about to run out.? ?
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Re: IBM $3,000 Heath Care subsidy terminated effective 1/1/2023
On Wed, Oct 12, 2022 at 10:39 AM, nancy Spear wrote:
In 2014 UHC dropped 30,000 providers from their MAP network for no reason & many people found themselves in this very position.?Here is coverage of the UHC action.?. And ignore the # in the headline. I don't know if 30,000 is the right number, but on reading the article it is obviously WAY more than hundreds.? dave? |
JoeRoth
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