At your joint income level, you might be at about the combined income level to receive both Medicare and Medi-Cal at no cost.
Hello, thanks for the suggestion. This is long but very encouraging. I understand if you do not want to read this all, it's just for everyone or anyone interested.
I called our Native American Clinic and got the specialist who handles all insurance matters. Received excellent guidance.
At age 65
1. Pan Am Indemnity Plan is first payer. Average payout is 50% of the service/procedure regarding Medical
2. Our two HSA's can be used to pay for either of our Part B Premiums. There is no real reason to sign up for a Medicare Savings Program even though we qualify (thanks for that) Stocks did so well our combined HSA's are 13k right now.
3. Medicaid. If we have an emergency, we can sign up after the fact. Medicaid can be back billed for up to 3 months.
Hubby says our Social Security Income is $2305 per month. Probably a COLA raise not long ago. There was also a $15 a month increased per person for the Indemnity Plan so we're actually ahead about $20 a month.
Drug Plan at 65
She said the Indian Health Service qualifies as "essential coverage". If we ever want to sign up for a Stand Alone Drug Plan, there will never be a late penalty. And we have the $400 a mo. each of drug coverage thru the Indemnity Plans. She suggested not wasting $ to sign up for a drug plan until you know for sure you will need it.
Dental Plan
Lady said a stand alone plan is not worth it. Generally only worth it if it's employer sponsored. To appreciate the 4k a year of dental each and remember, work can be done at the very end of December then again the beginning of Jan. so within 2 weeks. that 4k for one year in December turns into another 4k on Jan 1st so 8k can be used mostly all at once. Even if it means going toothless for a few days to a max of 2 weeks
She said Native Americans have good teeth, their bad oral issues mean they can loose teeth but many do not. I have very strong teeth. They removed one of my wisdom teeth then were acting cool about removing the other. Dentist had a hell of at time saying if a Serial Killer got a hold of me, no way could he pull out my teeth so I wouldn't be identified. I also have the Native American Shovel teeth. Hubby not so much. I'll call the Indemnity plan to find out if he can use my 4k a year from me, and if he can use my $400 a month of drugs from me, or vice versa. Sorry this was so long but thought some of the people here might be interested in knowing how this Pan American Indemnity Plan works and how the IHSS (Indian Health Services) works.
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