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Respected Contributor
Posts: 4,997
Registered: ‎03-12-2010

Re: Advantage plans & co pay for in hospital care ...

Medicare supplements for $50, Alex.

 

Hyacinth

Honored Contributor
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Registered: ‎03-09-2010

Re: Advantage plans & co pay for in hospital care ...

@Kachina624-

Your plan sounds really good! What is it?

"If you walk the footsteps of a stranger, you'll learn things you never knew. Can you sing with all the voices of the mountains? can you paint with all the colors of the wind?"
Honored Contributor
Posts: 69,397
Registered: ‎03-10-2010

Re: Advantage plans & co pay for in hospital care ...


@esmerelda wrote:

The complaint I hear about advantage plans is you are limited in your choice of doctors.

 

@151949 Hypothetically...if you needed treatment in Texas, would your advantage plan cover that?


@esmerelda  It just depends on the plan.  With mine, I can see any doctor or use any medical facility anywhere.  Don't have to see program doctors, no co-pays... I've never paid a penny  for any procedure, even major surgery, colonoscopies, CT scans, emergency room visits etc.  I recognize that I'm very fortunate to have this perk from my former employer. 

New Mexico☀️Land Of Enchantment
Honored Contributor
Posts: 25,929
Registered: ‎03-09-2010

Re: Advantage plans & co pay for in hospital care ...

Clearly, an advantage plan is not the best choice for those who doctor shop, who want to go to whatever doctor they want without having to stay in network, or who are very  ill and need cared for by numerous specialists or specific expensive care.For those who have no budget restrictions, go buy the very best insurance and the best most expensive concierge service you can find. 

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Posts: 3,111
Registered: ‎03-10-2010

Re: Advantage plans & co pay for in hospital care ...


@esmerelda wrote:

The complaint I hear about advantage plans is you are limited in your choice of doctors.

 

@151949 Hypothetically...if you needed treatment in Texas, would your advantage plan cover that?


With our advantage plan, you can go in-network or out-of network. Of course, out-of-network costs more. However, if there is not a doctor in your network to provide the care you need, you can get treatment from an out-of-network doctor pre-authorized at in-network rates.

A kind gesture can reach a wound that only compassion can heal. ~~ Steve Maraboli
Honored Contributor
Posts: 25,929
Registered: ‎03-09-2010

Re: Advantage plans & co pay for in hospital care ...

@Kachina624 You may have me beat. I do not have a lifetime maximum benefit either .

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Posts: 25,929
Registered: ‎03-09-2010

Re: Advantage plans & co pay for in hospital care ...


@Yardlie wrote:

@esmerelda wrote:

The complaint I hear about advantage plans is you are limited in your choice of doctors.

 

@151949 Hypothetically...if you needed treatment in Texas, would your advantage plan cover that?


With our advantage plan, you can go in-network or out-of network. Of course, out-of-network costs more. However, if there is not a doctor in your network to provide the care you need, you can get treatment from an out-of-network doctor pre-authorized at in-network rates.


This is a PPO - we had this for 5 years but they took away the Silver sneakers and made it just with the HMO and it would have cost us $70/month so we jumped over to the HMO. Thus far we have had no issues with the HMO or having to stay in network. 

Honored Contributor
Posts: 24,685
Registered: ‎07-21-2011

Re: Advantage plans & co pay for in hospital care ...

@151949,  You only have Medicare?   I have Humana Gold Plus HMO which handles everything for Medicare and I pay $0.  The only payment is what comes out of my SS check for Parts A & B.  I have copays too.  Blood tests are free.  Xrays use to be free but now are $35.  I know the plan varies from state to state.  Cat Very Happy

kindness is strength
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Re: Advantage plans & co pay for in hospital care ...

Honored Contributor
Posts: 24,685
Registered: ‎07-21-2011

Re: Advantage plans & co pay for in hospital care ...

@151949,  I did read the OP but there was no mention of the name of the insurance co.   It sounds like it's just Medicare.  I have $0 copay for my PCP but specialists are $35 and have copays for other services.  Cat Very Happy

kindness is strength