My wife was diagnosed with ALS on 10/14/21. Needless to say we are overwhelmed. But with all the things going on we are hit with the Medicare open enrollment period for 2022. Currently she has Medicare as her primary insurance and AARP MedicareComplete as her secondary insurance. We don't know if this is the best insurance given this new diagnosis. We need to make up our minds by December 7.
So far the Dr. put her on Riluzole and mentioned edaravone. He said edaravone is covered by Medicare.
The Riluzole co-pay was $45. I saw on GoodRX that it could be over $300 so I guess this is good.
But I am concerned about when she starts edaravone. What does "Medicare covers" mean? I get infusions for Rheumatoid Arthritis. The hospital bills Medicare over $23,000. Medicare approves about $2,600 and pays 80% or about $2,100. My AARP supplemental plan pays the rest so I pay nothing. But years ago when I had a Medicare Advantage plan the Dr. told me my costs would go up significantly if I stayed in the same plan for the next year and recommended I change to the supplemental.
I have talked to her MedicareComplete people but I have little confidence in their answers.
Can anyone tell me what their experiences are with Medicare and insurance plans?
Thank You In Advance.
So far the Dr. put her on Riluzole and mentioned edaravone. He said edaravone is covered by Medicare.
The Riluzole co-pay was $45. I saw on GoodRX that it could be over $300 so I guess this is good.
But I am concerned about when she starts edaravone. What does "Medicare covers" mean? I get infusions for Rheumatoid Arthritis. The hospital bills Medicare over $23,000. Medicare approves about $2,600 and pays 80% or about $2,100. My AARP supplemental plan pays the rest so I pay nothing. But years ago when I had a Medicare Advantage plan the Dr. told me my costs would go up significantly if I stayed in the same plan for the next year and recommended I change to the supplemental.
I have talked to her MedicareComplete people but I have little confidence in their answers.
Can anyone tell me what their experiences are with Medicare and insurance plans?
Thank You In Advance.