My Journey Begins, Cancer and Medicare, Maybe this will help some others one day

For a Medicare supplement plan it is only for a Plan F or Plan G depending when your Medicare started.
Not exactly correct. You are only eligible for a Plan F if you were born in 1954 or earlier.
Medicare started 2023

No preexisting serious problems

My MA plan Humana shut down in this county. I had zero problems with them in 1.5 years covered dental and eye care no questions asked

I chose a Plan N from Regence. $162 month - basically the fear is now they could cancel if I get a serious health issue and I would be screwed?
There is no risk of cancellation from any Medigap Plan (e.g., N, G, F, etc.) once you have enrolled regardless of serious health concerns IF (and it is a big IF) you stay enrolled in the plan without any break in service coverage. However, if you choose to shift back to an Advantage Plan in the future, you will need to undergo medical underwriting** to revert back to a Medigap Plan. You are almost guaranteed to be denied if the underwriting process reveals any significant health issues like diabetes, cancer, high blood pressure, etc.

**NOTE: As you and @alarmguy experienced this year, state specific waivers for underwriting for Medigap enrollment can occur under unique conditions such as discontinued availability of an Advantage plan that someone is currently enrolled in.
 
Medicare started 2023

No preexisting serious problems

My MA plan Humana shut down in this county. I had zero problems with them in 1.5 years covered dental and eye care no questions asked

I chose a Plan N from Regence. $162 month - basically the fear is now they could cancel if I get a serious health issue and I would be screwed?
If you have a concern, you can always call. Rather than rely on posts in an Internet forum. I believe you have until the end of February if very concerned I would get on the phone right now.

Post #100 shows much of my plan specifics.
I have no concerns anymore and put to much weight on a one post in here by someone. When I filled out the application with the specifics the online application itself determined no health questions and did not allow them.
 
Tomorrow is my big day after the cancellations do to the snow last week.
Friday I did meet with a medical oncologist for the first time, ran this morning to have blood drawn for some tests.

Tuesday 1/28
First = I will meet briefly with my radiation oncologist (whom is my primary doctor for the entire scope of the cancer treatment.

Second = They will put me on "the table" to configure the programming with a CT scan for the radiation machine where to direct the radiation and dosage to the prostate for my body. This program is stored then pulled to automatically run the machine when I start my 5 weeks of radiation treatments.

Third = After 1 and 2 wife and I drive to another building for a MRI

Final, I think that is it. I believe I will have my schedule set up by the time I am all done! Yay!
 
Tomorrow is my big day after the cancellations do to the snow last week.
Friday I did meet with a medical oncologist for the first time, ran this morning to have blood drawn for some tests.

Tuesday 1/28
First = I will meet briefly with my radiation oncologist (whom is my primary doctor for the entire scope of the cancer treatment.

Second = They will put me on "the table" to configure the programming with a CT scan for the radiation machine where to direct the radiation and dosage to the prostate for my body. This program is stored then pulled to automatically run the machine when I start my 5 weeks of radiation treatments.

Third = After 1 and 2 wife and I drive to another building for a MRI

Final, I think that is it. I believe I will have my schedule set up by the time I am all done! Yay!
Best wishes and speedy recovery.

FWIW - my mother had both radiation and chemo for a rare form of lymphoma 23+ years ago. Back then they didn't even really know much about that particular form so they just threw everything at it. She is still doing great - its never returned. I know exactly how long because my first was born shortly after she was done treatement.
 
Best wishes and speedy recovery.

FWIW - my mother had both radiation and chemo for a rare form of lymphoma 23+ years ago. Back then they didn't even really know much about that particular form so they just threw everything at it. She is still doing great - its never returned. I know exactly how long because my first was born shortly after she was done treatement.
Glad to hear about your mom, that's fantastic. Slowly we are getting there.

Someday they will beat all this cancer. I think and hope the days of radiation and chemo will be in the history books replaced by immune therapy.
Sample the cancer and inject you with the proper antibodies to track it down and kill it. I have a nephew, gosh I think he was in college ended up with Hodgkin lymphoma. That was maybe 20 years ago I guess we can call him cured. Back then I assume like your mom, yeah, everything was a shot in the dark, I think 10 years before that 20 he would not have made it.

It's tough with those above cancers you can't see or simply cut out. The prostate is also one of them. Ive learned so much and REALLY been into this. Im actually looking forward to today. Have just about an hour until we have to leave the house.

Surgery would have been a challenge on me, not really an option in my opinion, surgeon said 20% chance they would open me up and have to close but he was ok doing it as long as I knew the odds. Robotic wasnt a possibility for me do to an operation I had in the 4th grade with a ruptured appendix and scarring. That helped the radiation treatment option decision as well as other things important to me that I wanted to preserve. With Prostate I picked the side effects I can live with and the ones you do not want or lets say better chance of not having them and that is how you select. This is 100% why I chose radiation regardless of surgery option being limited.

The reason for yet another long post *LOL* is now my point when we talk of advances. As short as 2006 surgery was the "standard" way to deal with the prostate. Radiation was almost considered barbaric for that area of the body in the 1990's. Depending on who you talk to radiation is far more preferable today. Still surgeons will state the other side of the argument. The bottom line is they are both equal is life span, just different side effects and every one if different with different prognosis.

The technology much more advanced and the "focus" of the radiation much more precise to limit as much as possible in an impossible place, radiation exposure to your other organs. It will never be zero but lets say much improved. My doctor is considering what I am about to do, a "cure" (with its side effects) for the next 15 years. In that time about 10% will die. The risk of other cancers and issues 3 years or more down the road from exposure to radiation are still there, a lower level however from just even 15 years ago (grabbing numbers out of the air) However the immediate risks of incontinence, sex life etc are much lower than surgery so its a trade off.

The thing about surgery is people think once the prostate is removed the cancer is gone, some have immediate and life long side effects, but most can be worked on and most do well, yet some never do. As told to me with removal, in my doctors particular radiation center. Approx 25% of his patients getting treated with radiation had their prostate removed and the cancer returned. That is why after removal you still are monitored with PSA tests. After removal all that has to be left behind are a few cancer cells in the connecting tissue and over time it will start growing. The good news is you can then get radiation.

So its like pick your poison, there is no right or wrong, these stories are about my particular case, everyone is different with this cancer and you need to discuss with your doctors on what is most important to you. Also get second opinions (gosh that was so helpful). There is no rush in most cases, ask your doctor if he doesnt offer that advice. All of mine told me to take my time.

Here is to me, the biggest issue with going the route I am going. Hormone therapy and Radiation. If you get radiation and the cancer comes back, they will not radiate you a second time. Something about cooking your organs. (layman's term) SO then you are stuck with the other options and surgery is another big challenge after radiation, the gland after radiation is sticky and hard to remove, most doctors will not do it. So typically its will be some type of drug and that is another problem the cancer can learn to live without testosterone over time so hormone therapy CAN become less effective.

My hope is, in 10 or 15 years (which is a LONG time in the medical field) if it comes back after my radiation treatments this year, by then they will have a more universal drug that knocks it out. Also radiation like all treatments is always improving.

So this is where I stand my doctor (in my case) says I will be cancer free when I am done this year. I also will have a much greater chance of not having the two most important to me side effects with the radiation vs surgery but those risks still exist and the after effects of radiation exposure can start showing up years later.

If I chose surgery there is a significant chance or risk some cancer cells are left behind. However with surgery down the road it can be dealt with radiation and hormones. With Radiation well, as of right now that isnt as viable according to my doctor. They will not radiate twice. To me that technology is still improving though. This is why, and I have now spoke with 6 specialists in their respective fields from two different and far away health networks. No right or wrong in my case, I was told to choose by which side effects were my biggest concern that for me, both treatments will have the asme lifespan. We still are quickly making advances, even this drug I am taking right now. Some have a hard time with it. Im ok with it, six months and I Will be done. I got back a series of blood tests yesterday, I think 49 results. All looking good but that is another post.

Wow!! Another famous long post, anyone else reading this, what I type pertains to me, my specific cancer in my body. Talk to doctors about yours, get the information is the key. SEE A DOCTOR and dont be afraid of tests!

Thanks for your good wishes, didnt mean to get into this long post but maybe will help others interested to talk to their doctor, dont put off testing and decide to get other doctors thoughts too.
 
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Medicare started 2023

No preexisting serious problems

My MA plan Humana shut down in this county. I had zero problems with them in 1.5 years covered dental and eye care no questions asked

I chose a Plan N from Regence. $162 month - basically the fear is now they could cancel if I get a serious health issue and I would be screwed?

Washing State allows any Medicare supplement holder to change to any supplement plan type at any time within their existing insurance company or to another insurance company with no underwriting. Just an FYI.
 
Not exactly correct. You are only eligible for a Plan F if you were born in 1954 or earlier.

There is no risk of cancellation from any Medigap Plan (e.g., N, G, F, etc.) once you have enrolled regardless of serious health concerns IF (and it is a big IF) you stay enrolled in the plan without any break in service coverage. However, if you choose to shift back to an Advantage Plan in the future, you will need to undergo medical underwriting** to revert back to a Medigap Plan. You are almost guaranteed to be denied if the underwriting process reveals any significant health issues like diabetes, cancer, high blood pressure, etc.

**NOTE: As you and @alarmguy experienced this year, state specific waivers for underwriting for Medigap enrollment can occur under unique conditions such as discontinued availability of an Advantage plan that someone is currently enrolled in.

No, the eligibility for plan F is only determined by the Medicare effective date. For example, you could be born in 1930 and not be eligible for plan F if the effective date of Medicare was in the year 2020 or after.
In fact, you could be 45 years old on Medicare because of disability and have the ability to apply for plan F if the effective date of Medicare was before the year 2020.
 
I sorta knew that, but forgot in my own confusion. Thank you! As @alarmguy says, much is local.

You are welcome, glad to clarify.
I like Washington state because it allows an individual to have the flexibility to obtain coverage at a reasonable cost and make a change if or when their medical needs change.
For example, if an individual is on a budget, healthy and only has a couple routine visits a year they could choose something like a high deductible plan.
Then, if they have a diagnosis, need for treatment or some unusual change in their health status they could change their Medicare supplement coverage the next day with no medical underwriting.
 
You are welcome, glad to clarify.
I like Washington state because it allows an individual to have the flexibility to obtain coverage at a reasonable cost and make a change if or when their medical needs change.
For example, if an individual is on a budget, healthy and only has a couple routine visits a year they could choose something like a high deductible plan.
Then, if they have a diagnosis, need for treatment or some unusual change in their health status they could change their Medicare supplement coverage the next day with no medical underwriting.
Of course the insurance companies don’t like that
 
No, the eligibility for plan F is only determined by the Medicare effective date. For example, you could be born in 1930 and not be eligible for plan F if the effective date of Medicare was in the year 2020 or after.
In fact, you could be 45 years old on Medicare because of disability and have the ability to apply for plan F if the effective date of Medicare was before the year 2020.
Again, it depends on the circumstances of the individual. My best friend was born in 1954 and is still working full-time. As such, he is still receiving full creditable medical coverage from his employer. When he retires at the end of this year, he has been advised by Medicare, Anthem, Humana and United HealthCare that he will still be eligible to enroll in Plan F since it will be his initial sign-up opportunity.
 
Of course the insurance companies don’t like that

Most likely one of the reasons why Medicare supplement premiums are above average in Washington.
NY, VT and CT there is never any underwriting, it's as if you are starting Medicare year round.
 
UPDATE 1/29/2025
I finished my appointments as posted in post #103
It was a crazy day. The 1 plus hour ride to the facility.

Had to drink 32 ounces of water 30 minutes before appt time and hold it, no bathroom *LOL*
Met my radiation oncologist briefly then down the hall, CT scan was done, markers were placed on my body that should last for the next two months. The appointments in that building moved pretty quickly, everyone was really cool/nice people. Finally was able to use the bathroom. *L*

After that appointment, since it went quick wife and I had some time to kill so picked up some stuff at Aldi since we dont have one near us.
Next appointment was an MRI, same city but a 20 minute ride for an MRI appt at their orthopedic center instead. Because of rescheduling my schedule last week due to snow the MRI was to be done at a different building so I didnt have to drive back to the city on another day. Once again, I had to drink another 32 ounces of water right before I arrived. That was a challenge as they were running a little late at the MRI, I already drank 32 ounces two hours before and now another 32 ounces because in-between I had to go! I had to get up a couple times at the MRI building and hit the bathroom just a little bit trying to maintain a full bladder. Finally they took me in MRI itself was a full 30 minutes in the machine.

I actually find MRI's very relaxing, it's not my first for the prostate but was a couple years and I forgot exactly. I love all kinds of technology and always wondered how and why all the banging and amazing loud noises MRIs make, I find it SO COOL! Enough so I am going to learn about them. I assume besides magnetic fields, it uses deep sound waves that vibrate through your body? Maybe that is why the intense sounds? They give you ear plugs and then put ear muffs over your head, really the same thing as a good set of muffs used at a shooting range. Also the machines table you are on, is heated to just the right warm comfy temperature.
Anyway, all the noise, its so loud, besides wondering exactly how it images, I fall asleep on and off through the procedure. In a way it is very peaceful for lack of better words.

SO my understanding it, they merge the CT scan with the MRI scan at set up a program for the radiation machine to dose you. The key here is to narrow keep to a minimum damage to surrounding tissue.
With my radio oncologist and my wife in our morning meeting with him, as much as I wanted to get my treatment there, I made the decision to get radiation as another cancer building, still the same network but MUCH closer to my home, about 24 minutes away instead of an hour and 4 minutes. I have to go 5 days a week for 28 total treatments. Anyway my radio oncologist, when asked, (because he knows how much we want him) emphatically, when asked assures me there will be no difference being treated there with his associate than with him for my cancer type. I actually asked him the question if it was his own family member what would he say.

I ask a lot of questions by the way, including how new are the machines.
He offered the machine in the main building is newer, faster and more powerful. However for my cancer that power isnt used and the focus beam of the radiation will be exactly the same. The only difference between the two that will be real is it will take about an extra 2minutes. The reason for my question was exactly that, focus of the beam to spare surrounding tissue. He was very sincere, emphatic about that statement. Wife and I believe him and wow, the amount of time to drive is much better near my home, at a time I maybe run down and tired too.

BTW- the MRI test result from yesterday seems to back up the PSMA PET SCAN done last month - no spread detected.
"IMPRESSION: PROSTATE CANCER WITHOUT SUSPICIOUS LYMPHADENOPATHY OR BONE LESION ON NONCONTRAST EXAM.
(more snippets from the MRI yesterday)
Peripheral zone: Prostate cancer without a dominant lesion.
Central gland: Demonstrates findings of benign prosthetic hyperplasia.
Prostate capsule: The prostatic capsule is intact.
Neurovascular bundles: The neurovascular bundles are maintained.
Seminal vesicles: The seminal vesicles are symmetric in size and signal characteristics.
Lymph nodes: No suspicious lymph nodes identified in the pelvis.
Osseous structures: No suspicious osseous lesions."


So I made it, radiation starts Feb 10th and runs for 28 treatments. I am going to post in the next post my meeting with the medical oncologist that I just had Friday Jan 24th regarding the drug Orgovyx I am taking for 6 months.
 
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Again, it depends on the circumstances of the individual. My best friend was born in 1954 and is still working full-time. As such, he is still receiving full creditable medical coverage from his employer. When he retires at the end of this year, he has been advised by Medicare, Anthem, Humana and United HealthCare that he will still be eligible to enroll in Plan F since it will be his initial sign-up opportunity.

It is very common to continue group insurance when an individual becomes eligible for Medicare at 65. When this happens most people only pick up part A because it's at no cost, they have earned it so why not enroll and pick up part B later, right?
So with that situation yes, born in 1954, picked up part A in 2019 would make your friend eligible for a plan F.
However, if your friend did NOT start any part of Medicare in 2019 then plan F is completely off the table.
The I.C.E.P (initial coverage enrollment period) has nothing to do with creditable coverage and only the Medicare Part B start date, which is one full year. Six months before and after Part B starts to enroll in any "available" Medicare supplement plan during that one year period without underwriting.
Hope this helps.
 
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