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Super Contributor
Posts: 375
Registered: ‎11-20-2016

Re: Medicare supplement - YAY OR NAY ?

I would say "yes" you need it. I have Humana through United Healthcare. When I first got on Humana, I was surprised to find out that I had to meet a deductible on my prescriptions. That's about the only surprise I have encountered since getting into Humana. Hope there won't be any more. 

Deep In The Heart of Texas
Honored Contributor
Posts: 30,997
Registered: ‎05-10-2010

Re: Medicare supplement - YAY OR NAY ?

They are expensive and some seniors just cannot afford those pricey supplements.  Some seniors have the cash to cover their co-pays and to pay out of pocket for the things that Medicare doesn't cover.  They don't need to pay for the extra coverage.  

Honored Contributor
Posts: 30,997
Registered: ‎05-10-2010

Re: Medicare supplement - YAY OR NAY ?


@Moonchilde wrote:

@CrazyDaisy wrote:

@Moonchilde wrote:

@CrazyDaisy wrote:

If you can afford it, fine.  If you cannot, others opinions are not relevant.  It is a personal decision based on individuals circumstances.


 

 

This is something that "has" to be afforded in one way or another. It's either have a supplement or be on Medicaid. One illness or injury could wipe out every cent you have, without a supplement. It's playing Russian roulette not to have it.

 

Some Medicare Advantage plans have no premiums.


A very large portion of the elderly live solely on social security.  If they cannot afford it, they cannot afford it.  They just do the best they can.  Why would anyone want to judge or humuliate others due to their financial situation by saying this is something that they "have" to get one way or another when it is simply not an option.


 

 

 

Did you miss the last sentence? You know, the one that says "Some Medicare Advantage plans have no premiums?" I also mentioned Medicaid. Many people who must live on SS cannot afford supplements and are on a Medicaid program. Many qualify.  I clearly gave suggestions with no cost. How is that humiliating someone? I pointed out that one can indeed get a supplement that won't cost them anything, and that it's extremely important to have it - AND that if you can't afford premiums there are still options. 

 

I'm pretty sure there a people who fall into that "gap" where they aren't eligible for a free supplement plan but can't afford to pay for one themselves.  


 

Honored Contributor
Posts: 18,504
Registered: ‎05-23-2010

Re: Medicare supplement - YAY OR NAY ?


@chrystaltree wrote:

@Moonchilde wrote:

@CrazyDaisy wrote:

@Moonchilde wrote:

@CrazyDaisy wrote:

If you can afford it, fine.  If you cannot, others opinions are not relevant.  It is a personal decision based on individuals circumstances.


 

 

This is something that "has" to be afforded in one way or another. It's either have a supplement or be on Medicaid. One illness or injury could wipe out every cent you have, without a supplement. It's playing Russian roulette not to have it.

 

Some Medicare Advantage plans have no premiums.


A very large portion of the elderly live solely on social security.  If they cannot afford it, they cannot afford it.  They just do the best they can.  Why would anyone want to judge or humuliate others due to their financial situation by saying this is something that they "have" to get one way or another when it is simply not an option.


 

 

 

Did you miss the last sentence? You know, the one that says "Some Medicare Advantage plans have no premiums?" I also mentioned Medicaid. Many people who must live on SS cannot afford supplements and are on a Medicaid program. Many qualify.  I clearly gave suggestions with no cost. How is that humiliating someone? I pointed out that one can indeed get a supplement that won't cost them anything, and that it's extremely important to have it - AND that if you can't afford premiums there are still options. 

 

I'm pretty sure there a people who fall into that "gap" where they aren't eligible for a free supplement plan but can't afford to pay for one themselves.  


 


 

 

As far as I'm aware, the only requirement for a free Medicare Advantage plan is whether it's available where you live. No one has control over that. 

 

Of course there are people who fall through the cracks - and there shouldn't be any cracks; but there are. 

 

This thread is going in an interesting direction; no longer about Medicare supplements, but about whether I personally (and apparently only me) have grievously and wantonly insulted a segment of the population.  Hmm.....

 

The fact remains that even if it isn't possible for 100% of the population, a fair amount of limited income seniors would qualify for a free MA plan or Medicaid, and it's worth a try rather than just believing you can't afford it. It's worth investigating.

 

 

 

 

 

Life without Mexican food is no life at all
Honored Contributor
Posts: 16,837
Registered: ‎03-10-2010

Re: Medicare supplement - YAY OR NAY ?


@chrystaltree wrote:

@Moonchilde wrote:

@CrazyDaisy wrote:

@Moonchilde wrote:

@CrazyDaisy wrote:

If you can afford it, fine.  If you cannot, others opinions are not relevant.  It is a personal decision based on individuals circumstances.


 

 

This is something that "has" to be afforded in one way or another. It's either have a supplement or be on Medicaid. One illness or injury could wipe out every cent you have, without a supplement. It's playing Russian roulette not to have it.

 

Some Medicare Advantage plans have no premiums.


A very large portion of the elderly live solely on social security.  If they cannot afford it, they cannot afford it.  They just do the best they can.  Why would anyone want to judge or humuliate others due to their financial situation by saying this is something that they "have" to get one way or another when it is simply not an option.


 

 

 

Did you miss the last sentence? You know, the one that says "Some Medicare Advantage plans have no premiums?" I also mentioned Medicaid. Many people who must live on SS cannot afford supplements and are on a Medicaid program. Many qualify.  I clearly gave suggestions with no cost. How is that humiliating someone? I pointed out that one can indeed get a supplement that won't cost them anything, and that it's extremely important to have it - AND that if you can't afford premiums there are still options. 

 

I'm pretty sure there a people who fall into that "gap" where they aren't eligible for a free supplement plan but can't afford to pay for one themselves.  


 


@chrystaltree  Medicare Advantage plans have nothing to do with whether you qualify.  They're available to anyone who is eligible for Medicare.  There are many with $0 premiums.  Anyone who can't afford a Medicare supplement should definitely look into a Medicare Advantage plan.


The Bluebird Carries The Sky On His Back"
-Henry David Thoreau





Honored Contributor
Posts: 30,997
Registered: ‎05-10-2010

Re: Medicare supplement - YAY OR NAY ?


@Nicknack wrote:

@chrystaltree wrote:

@Moonchilde wrote:

@CrazyDaisy wrote:

@Moonchilde wrote:

@CrazyDaisy wrote:

If you can afford it, fine.  If you cannot, others opinions are not relevant.  It is a personal decision based on individuals circumstances.


 

 

This is something that "has" to be afforded in one way or another. It's either have a supplement or be on Medicaid. One illness or injury could wipe out every cent you have, without a supplement. It's playing Russian roulette not to have it.

 

Some Medicare Advantage plans have no premiums.


A very large portion of the elderly live solely on social security.  If they cannot afford it, they cannot afford it.  They just do the best they can.  Why would anyone want to judge or humuliate others due to their financial situation by saying this is something that they "have" to get one way or another when it is simply not an option.


 

 

 

Did you miss the last sentence? You know, the one that says "Some Medicare Advantage plans have no premiums?" I also mentioned Medicaid. Many people who must live on SS cannot afford supplements and are on a Medicaid program. Many qualify.  I clearly gave suggestions with no cost. How is that humiliating someone? I pointed out that one can indeed get a supplement that won't cost them anything, and that it's extremely important to have it - AND that if you can't afford premiums there are still options. 

 

I'm pretty sure there a people who fall into that "gap" where they aren't eligible for a free supplement plan but can't afford to pay for one themselves.  


 


@chrystaltree  Medicare Advantage plans have nothing to do with whether you qualify.  They're available to anyone who is eligible for Medicare.  There are many with $0 premiums.  Anyone who can't afford a Medicare supplement should definitely look into a Medicare Advantage plan.


 

        If anyone who is on Medicare can get a supplement for free....why would people pay for those plans?????   That would be like burning money.  Like buying a car when anyone who wants one can get free one.  So, obviously there are qualifications and some people won't be eligible.  

Honored Contributor
Posts: 16,837
Registered: ‎03-10-2010

Re: Medicare supplement - YAY OR NAY ?

[ Edited ]

@chrystaltree wrote:

@Nicknack wrote:

@chrystaltree wrote:

@Moonchilde wrote:

@CrazyDaisy wrote:

@Moonchilde wrote:

@CrazyDaisy wrote:

If you can afford it, fine.  If you cannot, others opinions are not relevant.  It is a personal decision based on individuals circumstances.


 

 

This is something that "has" to be afforded in one way or another. It's either have a supplement or be on Medicaid. One illness or injury could wipe out every cent you have, without a supplement. It's playing Russian roulette not to have it.

 

Some Medicare Advantage plans have no premiums.


A very large portion of the elderly live solely on social security.  If they cannot afford it, they cannot afford it.  They just do the best they can.  Why would anyone want to judge or humuliate others due to their financial situation by saying this is something that they "have" to get one way or another when it is simply not an option.


 

 

 

Did you miss the last sentence? You know, the one that says "Some Medicare Advantage plans have no premiums?" I also mentioned Medicaid. Many people who must live on SS cannot afford supplements and are on a Medicaid program. Many qualify.  I clearly gave suggestions with no cost. How is that humiliating someone? I pointed out that one can indeed get a supplement that won't cost them anything, and that it's extremely important to have it - AND that if you can't afford premiums there are still options. 

 

I'm pretty sure there a people who fall into that "gap" where they aren't eligible for a free supplement plan but can't afford to pay for one themselves.  


 


@chrystaltree  Medicare Advantage plans have nothing to do with whether you qualify.  They're available to anyone who is eligible for Medicare.  There are many with $0 premiums.  Anyone who can't afford a Medicare supplement should definitely look into a Medicare Advantage plan.


 

        If anyone who is on Medicare can get a supplement for free....why would people pay for those plans?????   That would be like burning money.  Like buying a car when anyone who wants one can get free one.  So, obviously there are qualifications and some people won't be eligible.  


@chrystaltree  @sarahpanda  I copied this from Medicare dot com.  You can scroll down to "How Do I Qualify For A Medicare Advantage Plan."  I'm not trying to argue with you.  I just want the OP to know that it's possible for her family member to be able to afford a Medicare Advantage plan.

 

Medicare Advantage Plans Explained

Victoria Burkeby Victoria Burke | Licensed since 2011

Print

This article was updated on: 07/06/2017

Find Affordable Medicare Plans in Your Area

 
              Medicare Advantage             

Medicare Supplement               Medicare Part D           

 

Did you know that there are different ways to get your Medicare coverage? When they think of Medicare, many people think of the government program known as Original Medicare, which includes Part A (hospital insurance) and Part B (medical insurance). But you may have other Medicare plan options. For example, you may be able to get your Part A and Part B benefits through a private, Medicare-approved insurance company.

 

That’s what the Medicare Part C (Medicare Advantage) program is all about: it gives you an alternative way to receive your Original Medicare (Part A and Part B) coverage (everything except hospice care, which Part A still covers). Some Medicare Advantage plans include additional benefits as well – prescription drug coverage, for example, or routine dental services and/or fitness programs. These are just a few examples of additional benefits that some Medicare Advantage plans offer – benefits not included in Original Medicare.

 

It’s important to know that Original Medicare doesn’t cover prescription drugs in most situations – for example, Medicare Part A and Part B don’t generally cover the medications you might take at home. Most Medicare Advantage plans do include prescription drug coverage – so you can get all your Medicare benefits in one policy.

 

If you’re looking for a Medicare Advantage Prescription Drug plan (that is, a Medicare Advantage plan with prescription drug coverage), you might want to make sure it covers the prescriptions you take. Each Medicare Advantage Prescription Drug plan has its own formulary (list of covered prescription drugs). The formulary may change at any time; you will receive notice from your plan when necessary.

 

Since Medicare Advantage plans are available from private companies that contract with Medicare, each plan sets its own premium; some Medicare Advantage plans have premiums as low as $0 per month.

When you enroll in a Medicare Advantage plan, you’re still in the Medicare program, and you’re still required to pay your monthly Medicare Part B premium; however, your Medicare services are covered and administered through a single policy.

 

There are several types of Medicare Advantage plans, such as Health Maintenance Organization (HMO) plans, Preferred Provider Organization (PPO)* plans, Private Fee-For-Service (PFFS) plans, and Special Needs Plans (SNPs). Other Medicare Part Advantage plan options include HMO Point-Of-Service (HMO POS) plans and Medical Savings Account (MSA) plans. Depending on where you live, you might not find every type of plan available to you.

What does a Medicare Advantage plan cover?

  • Medicare Advantage plans must cover all of the medical and hospital services that Original Medicare covers, except hospice care (Original Medicare covers hospice care even if you’re enrolled in a Medicare Advantage plan).
  • All types of Medicare Advantage plan options cover emergency and urgent care.
  • Medicare Advantage plans may offer additional coverage, such as routine vision and dental services, hearing benefits, or memberships to health and wellness programs.
  • Many plans include Medicare prescription drug coverage, as mentioned above.

How do I qualify for a Medicare Advantage plan?

You can generally qualify for a Medicare Advantage plan if you meet these conditions:

  • You have Medicare Part A and Part B coverage.
  • You live in an area serviced by the Medicare Advantage plan you want to enroll in.
  • You don’t have end-stage renal disease (ESRD – permanent kidney failure requiring dialysis or a kidney transplant), in most cases. There are exceptions, so if you have ESRD and want to get a Medicare Advantage plan, contact the plan you’re considering and ask.

What will a Medicare Advantage plan cost?

The costs of a Medicare Advantage plan can vary from one plan to another and one location to another. Here are some questions to consider when deciding on a Medicare Advantage plan:

  • Does the plan charge a monthly premium in addition to your Medicare Part B premium?
  • How much will you pay for each service or visit (copayments or coinsurance), both in-network and out-of-network?
  • Does the plan have an annual deductible?
  • What’s the maximum out-of-pocket limit? (Every Medicare Advantage plan has one.)
  • Does this plan have network restrictions? Will you be using network providers or out-of-network providers?
  • Do you have certain doctors and specialists you prefer to keep? Are they in the plan’s network?
  • If the plan covers prescription drugs, are all your medications covered?
  • Are there any additional benefits in the plan, such as routine vision or dental coverage? Do you need them? What do these benefits cost?

Because the costs and additional benefits vary among plans, you might want to compare Medicare Advantage plans in your area. You can do this by typing in your zip code and clicking Find Plans on this page.


The Bluebird Carries The Sky On His Back"
-Henry David Thoreau





Valued Contributor
Posts: 635
Registered: ‎06-15-2010

Re: Medicare supplement - YAY OR NAY ?

I have been using Mutual of Omaha for a year now as my supplemental carrier. I was with AARP but they kept raising my rates when at that time not using it.

Esteemed Contributor
Posts: 7,331
Registered: ‎08-20-2012

Re: Medicare supplement - YAY OR NAY ?

[ Edited ]

@Limbo4now wrote:

I have been using Mutual of Omaha for a year now as my supplemental carrier. I was with AARP but they kept raising my rates when at that time not using it.

------------------

   I also have Mutual of O - great coverage.  But they keep raising my rates!!  I have been thinking about changing my plan to another carrier.  

   The big but is....I have had several medical issues in the last three years - including chemo and radiation - and have not paid for anything - other than $35 for radiation cream!  All yearly tests, blood work, PET scans, CAT scans, EKG, mamograms, biopsies, drs visits etc have been covered. Don't know that I can get such extensive coverage anywhere else. And as I get older, more issues may come down the pike.  But yikes -- yearly premium raises are getting up there!

   Have a friend who tells me...you pay up front with high

premiums or you pay later with 20% costs!

Trusted Contributor
Posts: 1,518
Registered: ‎08-13-2011

Re: Medicare supplement - YAY OR NAY ?

Both of my parents had one.  I hate to think what the bills would have been without them!