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I have a 63 yr old female, who is coming off COBRA in May, and has some health issues:
6/1/04 Cataract surgery right eye only. Procedure successful; complete recovery.
11/20/07 Total hysterectomy with removal of ovaries and TOT Bladder repair. Procedure successful; complete recovery.
Meds = Estrace Vaginal Cream 42.5gm - 1 gm 2 times per week. tissue maintenance. Estradiol tab 1 mg.- HRT maintenance.
Given her age (2 yrs away from Medicare), should I put her on STM for 24 mos, or should I try to get her underwritten with Major Medical? My gut is to put her on STM for 24 mos. However, part of me thinks she would give me less grief if I try to place her on Major Medical.
My thought is, the last surgery is too soon for anyone to cover.
6/1/04 Cataract surgery right eye only. Procedure successful; complete recovery.
11/20/07 Total hysterectomy with removal of ovaries and TOT Bladder repair. Procedure successful; complete recovery.
Meds = Estrace Vaginal Cream 42.5gm - 1 gm 2 times per week. tissue maintenance. Estradiol tab 1 mg.- HRT maintenance.
Given her age (2 yrs away from Medicare), should I put her on STM for 24 mos, or should I try to get her underwritten with Major Medical? My gut is to put her on STM for 24 mos. However, part of me thinks she would give me less grief if I try to place her on Major Medical.
My thought is, the last surgery is too soon for anyone to cover.