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04-30-2017 05:59 PM
Medicare supplements for $50, Alex.
Hyacinth
04-30-2017 06:05 PM
Your plan sounds really good! What is it?
04-30-2017 06:10 PM
@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.
04-30-2017 06:15 PM
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.
04-30-2017 06:17 PM
@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.
04-30-2017 06:19 PM
@Kachina624 You may have me beat. I do not have a lifetime maximum benefit either .
04-30-2017 06:22 PM
@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.
04-30-2017 06:32 PM
@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.
04-30-2017 06:34 PM
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04-30-2017 06:43 PM
@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.
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