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Author Topic: car insurance and medicare  (Read 4103 times)
Lillupie
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« on: April 25, 2011, 05:58:46 PM »

Does anyone here get charged more for insurance just because you have medicare? I live in Michigan and they tell me because I have Medicare and Medicad that i Have to pay more for car insurance because the government funded insurances like Medicare and Medicad dont cover car crashes. I have PLPD/NO fault. I cant believe that. I dont think a hospital will kick me out if i get into a car crash because i Have Medicare, and what do they care when the hospital bill is not coming out of their pocket when I have no coverage for it in the first place with them?

I moved from the inner city of Detroit, and was told that my insurance would go down once i moved out of Detroit. Now i was going to renew my insurance, and it went from $90 a month and now they want to charge me, now that i moved, to the suburbs, $102. i know it is not much but are you serious? i have to pay more now that i live in a nicer neighborhood.!

And to top it off i dont have any accidents or tickets! GRRRR and i have a 13 year old family sedan.

What do you pay for insurance??

Lisa
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Check out my Facebook profile for CKD "Help Lisa Spread Awareness for Kidney Disease"

It is my utmost dream and desire to reach out to other kidney patients for them to know that they are not alone in this, also to reach out to those who one day have to go on dialysis though my book i am writing!

dx with lupus nephritis 5/99'
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Jie
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« Reply #1 on: April 25, 2011, 06:56:59 PM »

Just shop around to see anyone to give you a better deal with the same cover. There is a medical cover from the auto insurance. For most people with health insurances, it is waste of money for the medical part. if Medicare and Medicaid do not pay the medical bill, it makes sense to have medical cover in the auto insurance. However, the medical cover is very limited. If one gets into a major accident, a $15000 cover means very little.
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jbeany
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« Reply #2 on: April 25, 2011, 07:49:57 PM »

I don't think my insurance company ever even asked about my medical coverage.  Plus, wouldn't that mean they should charge more for drivers old enough for regular medicare, when in reality, they usually charge less?
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Lillupie
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« Reply #3 on: April 25, 2011, 08:51:37 PM »

yeah my 68 year old pays more and he was told because he has Medicare
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Check out my Facebook profile for CKD "Help Lisa Spread Awareness for Kidney Disease"

It is my utmost dream and desire to reach out to other kidney patients for them to know that they are not alone in this, also to reach out to those who one day have to go on dialysis though my book i am writing!

dx with lupus nephritis 5/99'
daughter born 11/2005
stage IV CKD 11/2005-6/2007
8/2007- PD cathater inserted
9/2007- revision of PD Cathater
10/2007 started PD
Chris
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« Reply #4 on: April 25, 2011, 10:24:05 PM »

Sounds fishy to me. Are you going to a local insurance company that represents a major company? If so, call the main company to get a quote or ask questions. I never been asked if I was on Medicare or Medicaid and both covered my hospital when I was hit. Of course I live in a different state also, the one with corrupt governors.
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Diabetes -  age 7

Neuropathy in legs age 10

Eye impairments and blindness in one eye began in 95, major one during visit to the Indy 500 race of that year
   -glaucoma and surgery for that
     -cataract surgery twice on same eye (2000 - 2002). another one growing in good eye
     - vitrectomy in good eye post tx November 2003, totally blind for 4 months due to complications with meds and infection

Diagnosed with ESRD June 29, 1999
1st Dialysis - July 4, 1999
Last Dialysis - December 2, 2000

Kidney and Pancreas Transplant - December 3, 2000

Cataract Surgery on good eye - June 24, 2009
Knee Surgery 2010
2011/2012 in process of getting a guide dog
Guide Dog Training begins July 2, 2012 in NY
Guide Dog by end of July 2012
Next eye surgery late 2012 or 2013 if I feel like it
Home with Guide dog - July 27, 2012
Knee Surgery #2 - Oct 15, 2012
Eye Surgery - Nov 2012
Lifes Adventures -  Priceless

No two day's are the same, are they?
KarenInWA
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« Reply #5 on: April 26, 2011, 06:04:24 AM »

Maybe I'm wrong, but I always thought medical insurance would refuse to pay for injuries until car insurance paid their share?  I have only been in minor accidents, and have only made chiropractic/massage claims, and once went to the dr afterwards.  I was always told to NOT go through my medical insurance on those visits, and to strictly go through car insurance only.  When I was not the one at fault, my car insurance paid all medical claims, and then went after the one who caused the accident to get reimbursed.  I live in WA, so maybe that's just here?

But yes, crazy that your car insurance is billing more for Medicare. 

KarenInWA
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1996 - Diagnosed with Proteinuria
2000 - Started seeing nephrologist on regular basis
Mar 2010 - Started Aranesp shots - well into CKD4
Dec 1, 2010 - Transplant Eval Appt - Listed on Feb 10, 2012
Apr 18, 2011 - Had fistula placed at GFR 8
April 20, 2011 - Had chest cath placed, GFR 6
April 22, 2011 - Started in-center HD. Continued to work FT and still went out and did things: live theater, concerts, spend time with friends, dine out, etc
May 2011 - My Wonderful Donor offered to get tested!
Oct 2011  - My Wonderful Donor was approved for surgery!
November 23, 2011 - Live-Donor Transplant (Lynette the Kidney gets a new home!)
April 3, 2012 - Routine Post-Tx Biopsy (creatinine went up just a little, from 1.4 to 1.7)
April 7, 2012 - ER admit to hospital, emergency surgery to remove large hematoma caused by biopsy
April 8, 2012 - In hospital dialysis with 2 units of blood
Now: On the mend, getting better! New Goal: No more in-patient hospital stays! More travel and life adventures!
Chris
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« Reply #6 on: April 26, 2011, 07:24:39 AM »

Yes Karen, they take the auto insurance information to bill them, but always want your insurance to make sur they get paid if denied by auto insurance. In a case where the other driver has no insurance, they billed my Medicaid/ Medicare because I did not call my insurance yet,
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Diabetes -  age 7

Neuropathy in legs age 10

Eye impairments and blindness in one eye began in 95, major one during visit to the Indy 500 race of that year
   -glaucoma and surgery for that
     -cataract surgery twice on same eye (2000 - 2002). another one growing in good eye
     - vitrectomy in good eye post tx November 2003, totally blind for 4 months due to complications with meds and infection

Diagnosed with ESRD June 29, 1999
1st Dialysis - July 4, 1999
Last Dialysis - December 2, 2000

Kidney and Pancreas Transplant - December 3, 2000

Cataract Surgery on good eye - June 24, 2009
Knee Surgery 2010
2011/2012 in process of getting a guide dog
Guide Dog Training begins July 2, 2012 in NY
Guide Dog by end of July 2012
Next eye surgery late 2012 or 2013 if I feel like it
Home with Guide dog - July 27, 2012
Knee Surgery #2 - Oct 15, 2012
Eye Surgery - Nov 2012
Lifes Adventures -  Priceless

No two day's are the same, are they?
KarenInWA
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Posts: 1041


« Reply #7 on: April 26, 2011, 12:59:12 PM »

Yes Karen, they take the auto insurance information to bill them, but always want your insurance to make sur they get paid if denied by auto insurance. In a case where the other driver has no insurance, they billed my Medicaid/ Medicare because I did not call my insurance yet,
Ah, here in WA, it's done differently.  My car insurance will pay for any injuries I sustain in an accident, regardless of who is at fault.  If I am not at fault, then they will go after the other person's insurance company for reimbursement, or will go after the individual.  But, bottom line, my car insurance (and anyone's car insurance in this state) will pay for anyone injured in the vehicle and one's own personal medical insurance will NOT be billed.  That has been my experience, anyway.  Whenever I've been treated for a car accident, they did not take my medical insurance info.

KarenInWA
Logged

1996 - Diagnosed with Proteinuria
2000 - Started seeing nephrologist on regular basis
Mar 2010 - Started Aranesp shots - well into CKD4
Dec 1, 2010 - Transplant Eval Appt - Listed on Feb 10, 2012
Apr 18, 2011 - Had fistula placed at GFR 8
April 20, 2011 - Had chest cath placed, GFR 6
April 22, 2011 - Started in-center HD. Continued to work FT and still went out and did things: live theater, concerts, spend time with friends, dine out, etc
May 2011 - My Wonderful Donor offered to get tested!
Oct 2011  - My Wonderful Donor was approved for surgery!
November 23, 2011 - Live-Donor Transplant (Lynette the Kidney gets a new home!)
April 3, 2012 - Routine Post-Tx Biopsy (creatinine went up just a little, from 1.4 to 1.7)
April 7, 2012 - ER admit to hospital, emergency surgery to remove large hematoma caused by biopsy
April 8, 2012 - In hospital dialysis with 2 units of blood
Now: On the mend, getting better! New Goal: No more in-patient hospital stays! More travel and life adventures!
Chris
Member for Life
******
Offline Offline

Gender: Male
Posts: 9219


WWW
« Reply #8 on: April 26, 2011, 10:34:10 PM »

Karen, it is the same, but when taken to the hospital health insurance is billed first until the auto insurance gets involved. This is when the other person does not have insurance, but when someone does have insurance, their insurance is billed first.
 
Sorry for confusion
Logged

Diabetes -  age 7

Neuropathy in legs age 10

Eye impairments and blindness in one eye began in 95, major one during visit to the Indy 500 race of that year
   -glaucoma and surgery for that
     -cataract surgery twice on same eye (2000 - 2002). another one growing in good eye
     - vitrectomy in good eye post tx November 2003, totally blind for 4 months due to complications with meds and infection

Diagnosed with ESRD June 29, 1999
1st Dialysis - July 4, 1999
Last Dialysis - December 2, 2000

Kidney and Pancreas Transplant - December 3, 2000

Cataract Surgery on good eye - June 24, 2009
Knee Surgery 2010
2011/2012 in process of getting a guide dog
Guide Dog Training begins July 2, 2012 in NY
Guide Dog by end of July 2012
Next eye surgery late 2012 or 2013 if I feel like it
Home with Guide dog - July 27, 2012
Knee Surgery #2 - Oct 15, 2012
Eye Surgery - Nov 2012
Lifes Adventures -  Priceless

No two day's are the same, are they?
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