Friday, November 12, 2010

RMAP Experience and thoughts

My experience and things I learned about RMAP over the past year:

I took the early retirement package last Sept. My husband and I are both over 65 so COBRA wasn't even an option when I retired. We took RMAP and chose Kaiser (CA) as we were already with Kaiser before. New this year: if you weren't with Kaiser before, you can't begin with Kaiser under RMAP. RMAP becomes secondary/supplemental to Medicare which is required for those over 65.


One important thing to consider for the FUTURE (things do change) is that if you do not take ANY coverage under RMAP (refuse it) you can never get it again. All you have to do is sign up for VSP and/or dental to keep RMAP as an option for the future. Often we take a short-term view when current needs are pressing and don't look into long-term needs and possible consequences. Medical needs change over time and it's always good to have options open. Just taking VSP coverage thru RMAP is a minimal monthly payment but keeps your eligibility open for RMAP medical and dental at any time in the future.


I won't be able to attend the conference call on Monday but will visit the blog periodically if people have questions. Most of you are probably not in my age bracket so my experience/info may or may not be helpful.

5 comments:

  1. HELLO KAREN Thanks for the info

    I too am on RMAP since 2008. One question I have is you mentioned if one is not on Kaiser they have no option to go to Kaiser this year, can you elaborate on this?

    I also have a daughter under 26 years old and is done with her college. I was told by HRC that the Health care reform does not apply to RMAP.

    Finally I was also told by someone just turning 65 that when they turned 65 Cisco RMAP for their spouse was automatically dropped. Is this true?

    Anyway Ajit thanks for setting this page and I hope folks do post their experience and share their experiences

    ken sampat

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  2. Hello,
    I received a letter with my RMAP Open Enrollment package, which lists UHC EPO and PPO.

    But these are not shown on the 2011 RMAP pricing in this blog.

    Where did this RMAP pricing page come from?

    Mine shows UHC PPO for family costing $1738,02. For California.

    The only UHC PPO shown here is for Hawaii.

    Frank

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  3. Opps, Frank here,
    Never mind. My chart was simply listing the same items but in a different order, and I missed the one I was looking for.

    They are the same prices.

    Ignore my earlier comment.

    Thanks
    Frank

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  4. Very important point for anyone RMAP eligible. Key is retain at least one component, and can then use rest of RMAP (Medical) as fallback. The RMAP collateral, my vote, doesn't make this partial element (example eye care only) very clear. Hoping someone else affected by LR reads this and realizes the opportunity they have; you can pick up another job and use the new company's medical coverage, and then go back to RMAP medical whenever necessary. The medical can be added or removed at any time, as new employment is a life event, as long as you retain one base component continually. If yoy get a new job, and want to use new company medical; just call the support number and they will adjust overall next month payment, and issue a credit.

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    Replies
    1. I'm in RMAP and will be applying for Medicare this year. A question I have is do I need Medicare part B in addition to part A?

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