I worried about my parents, grands, aunts/uncles and wondered how they were coping with Medicare or Social Security. I remember taking Grandma D to the clinic, asking what the call would cost. She wrote the check, and we were bundling up to head back out into the snow.
While I waited, one of her friends came in with her daughter, asked for their balance, since she’d forgotten her checkbook last time. The answer startled me as much as them. “Your mom has a credit balance of $3,105.00. So you don’t own anything.” What the wha???!! She’d been paying out of her pocket and the clinic was also being paid by SS.
I went back up to cashier and asked if my grandma had a credit balance? Yup, about $3,900. My dad? About the same. Me? $2,000 – Blue Cross/Blue Shield.
Why hadn’t we gotten a statement of over payment? ‘The State of Michigan only required a statement of debt.’ WHAT???? And if they died? Surely it was declared? No. I got Bessie, Dad’s and my credit back after about 6 mos – they said it was better in case a large charge came thru. Poooey.
I promised I would be alert from now on. Took a real estate course, so I wouldn’t be taken advantage of, being a woman and being single.
Worked pretty well until I developed this thing called dementia, or as I call it ‘rotting brain.’ Most recently got conned when I got Medicare and SS Disability. I was told I would receive a new card in the mail from Medicare for Rx, my BC/BS would change, and I’d be getting about $400 more a month, not paying the nearly $600 mo’ly for a full policy.
I did the Snoopy dance when my friend went to get my 1st January refill. $900. By March, this fine unknown card had saved me … uhm, nothing, and I had gone thru over $2000.
Here’s the kick. I am still paying the full Blue Cross. Next Open period?? October, starting period January 2013. Praying for us all.
So, we are still getting schnookered, and poorer. I wrote this because I was pissed, but mostly so no one else assumes private industry and government knows what they are doing, and taking care of us.
If you don’t have an advocate for things like doctor appts, or making insurance or funeral choices, a living will, a dnr and your estate (sorry that I am laughing at that one). Get one.
You can get DNR, Living Wills, etc. for free from the (your state) Catholic Conference – where I did. Hired a lawyer.
It’s hard to see my life more mucked up because of my ignorance.
Next time ask me what happens when you don’t know that you must notifify your car insurance while you cannot drive. My humble insurance pmt has just gone to $900 for 6 mos. No driving now for sure.
Papa, you know it’s Vicki cuz of all the complaints. But please protect all we anawim, we marginalized. Blessings & love to my FTD friends and families.