Molly to June: Your premium is less if you're on Medicare

Molly Janczyk to June Hughes, January 26, 2007
Subject: RE: HC Insurance
No. You pay less with Medicare.
My premium based on 30 yrs. is: $163
A Medicare premium based on 30 yrs. is: approx. $69 or less.
The less yrs you have, the more premium you have to pay.
It works the same for all:
Part A: STRS for overnight stays is the Primary and Medicare is the secondary insurer.
Part B: Medicare is the Primary and STRS is the secondary insurer.
After BOTH Medicare and then STRS pays (STRS is self insured: Med Mut. and Aetna, etc. do the managing , paperwork, etc.) you pay 20% of the remaining costs up to $1500 out of pocket max + $500 deduc. totalling $2000 yrly for your portion. STRS then kicks in with 100% over that amount.
Premiums do not go towards your costs at all.
Premiums pay for your access or for you to have the insurance.
---

From June Hughes, January 26, 2007

Subject: HC Insurance

Isn't it true, that I being on Medicare B am paying the same amount for Med Mutual + as all others? If this is true why since Medicare B covers so much that my Med Mutual + will have to pay ONLY if it's a huge bill. Since I haven't had anything paid by Med Mutual + in the last 5 years, my costs should not be the same as others. Can this be clarified? When there is a claim, Med Mutual + should provide a statement showing how much is going toward our (now highly outrageous) deductible.
June