Question
QUESTION: I have Medicare & Aetna Ihavehad major cancer surgery (5hrs) I am receiving Many bills,after Medicare and Aetna has paid do I owe thease charges? I was under the inpression with two ins I would not to pay any extra.
ANSWER: Hi Donald
You did not indicate what Aetna plan you have====an employer retirement plan===a Medigap plan====a Medicare Advantage plan==or a PPO.
So I have to guess which. What you described usually does not happen if you have original Medicare with a Medigap plan C,for example.
It usually happens when you have a Medical HMO Advantage Plan, People get them because they look cheaper than the Medigap plans. However, if you have a major illness or a cronic condition that has a lot of doctor visits, you get hit with co-pays after co-pays, that you are responsible for, and they can get quite expensive. It sounds like this is your situation.
John
---------- FOLLOW-UP ----------
QUESTION: I havve a retirement plan from M&8afdwM Mars
ANSWER: Hi again
An HMO?
John
---------- FOLLOW-UP ----------
QUESTION: No, The policy is a retirement program
Answer
Hi Again
In that case you should have received a packet that is probably called Certificate of Coverage. Anf co-pay or other charges should be adressed in there. Also every October, they should send you a letter showing any changes in the plan coverage and in premium and co-pays.
Hope your health improves.
John
