medicare (NY, 56 y/o F, 58 y/o M, disability)

hey guys,

So I'd like to think I know a conversational amount about employer based insurance but not a whole lot about medicare past making sure an Advantage plan is reeeeally what you want if youre getting one.

this might be long so i do apologize and thank anyone who gives the time. My mom's been on disability since i was little, i dont remember the exact year, but I know part of it was pre ACA (not sure if this has any bearing). I do also remeber my dad telling her not to take Medicare and stay on his employer based plan. She's been hospitalized, ambulanced, emergency surgery-ed, scheduled surgery-ed, etc. My dad recently retired and is also on disability now from a car accident related issue.

He's being told the standard penalties for not taking Medicare when initially offered (for him maybe a year max, and 1-2 surgeries mostly processed thru auto ins) and is worried that his employer based plan will claw back payments made for my moms services for the past 10+ years and timely filing of a claim would obviously have passed for Medicare to process claims this old.

He's stubborn, and refuses to listen to my advice despite sending me to college for Public Health and Admin but i know all him or I care about is making sure my mom gets the care she needs-I dont think he realized how bad he was fucking up when my mom first got approved for disability all those years ago and I know he'd go bankrupt at the drop of a hat when shes sick next but i personally cannot take the anxiety.

submitted by /u/bakercob232
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