I Am So Annoyed - Page 6

kjae · ‎07-24-2012

Beth- I did not think my comment was more political that the numerous posts by 2 individuals on this topic, yet mine was removed and their commenst denouncing our elected officials-whhich is definitely political- stayed. It confuses me greatly. You have a monumental task keeping this forum on the up and up, but It must be evenly treated. Thanks for reading.

Lindsays Grandma · ‎03-10-2010

I have Medicare A and B plus Aetna

@Cakers3 wrote:
@momtochloe Good luck. I pay more for my Medicare than DH does because he is older than I am and had Medicare before I did. We did get an increase in premiums but he is still paying less than I am and his SS is higher than mine. Go figure.

We are concerned where our Advantage plan will go come the next open enrollment.
RIght now we are content but still have to go round and round to get definite answers on some things.

I've heard people going just straight Medicare and picking up drug plans but crikey those are expensive when they stand alone. I'm not sure if straight Medicare is the right way to go, either.

Thank goodness DS has military coverage.

Plan F as my supplement. Every year Aetna increased my premium by no less than $25 and currently I am paying $196/mo. My daughter can't believe it costs me so much and I'm not thrilled either. In 2014 I had cataract surgery on both eyes and 2015 fell and broke my hip requiring surgery, one month in rehab and six months of home physical therapy. If I did not have the supplement I don't know how I would have afforded the cost left over Medicare didn't pay. As it stands I did not have to pay one penny. Please think long and hard about having straight Medicare with no supplement.

The moving finger writes; And having writ, Moves on: nor all your Piety nor Wit Shall lure it back to cancel half a Line Nor all your Tears Wash out a Word of it. Omar Khayam

Lindsays Grandma · ‎03-10-2010

When I retired from Warner Bros in Nov of 2000 part of the retirement package was I could keep my health insurance with UHC as long as I paid the premium. I did that faithfully until WB dropped all their retirees as of 12/31/2013. I signed up with Aetna Plan F for which I am currently paying $196/mo. I was upset with WB but it turned out to be a better deal. UHC paid their 80% and sometimes less while I got stuck for the rest.

@reiki604 wrote:
When I retired I was thrilled to be able to buy my insurance as I am a cancer survivor.My state only sold through the exchange and I chose a plan that included all my doctors, labs,facilities and hospitals. I was my choice what to buy. I bought the best policy I could afford and have a better plan now than when I was working. I was and am willing to pay for it and live in fear that the ability to do so will be taken away from me.

Actually they did me a favor since I was paying over 200/mo plus the out of pocket expenses and since the supplement I have no OOP expenses. I too am concerned about the future re health coverage. God Bless you and keep you healthy.

The moving finger writes; And having writ, Moves on: nor all your Piety nor Wit Shall lure it back to cancel half a Line Nor all your Tears Wash out a Word of it. Omar Khayam

151949 · ‎03-09-2010

@Lindsays Grandma wrote:
I have Medicare A and B plus Aetna
@Cakers3 wrote:
@momtochloe Good luck. I pay more for my Medicare than DH does because he is older than I am and had Medicare before I did. We did get an increase in premiums but he is still paying less than I am and his SS is higher than mine. Go figure.

We are concerned where our Advantage plan will go come the next open enrollment.
RIght now we are content but still have to go round and round to get definite answers on some things.

I've heard people going just straight Medicare and picking up drug plans but crikey those are expensive when they stand alone. I'm not sure if straight Medicare is the right way to go, either.

Thank goodness DS has military coverage.

Plan F as my supplement. Every year Aetna increased my premium by no less than $25 and currently I am paying $196/mo. My daughter can't believe it costs me so much and I'm not thrilled either. In 2014 I had cataract surgery on both eyes and 2015 fell and broke my hip requiring surgery, one month in rehab and six months of home physical therapy. If I did not have the supplement I don't know how I would have afforded the cost left over Medicare didn't pay. As it stands I did not have to pay one penny. Please think long and hard about having straight Medicare with no supplement.

We have an advantage plan - pay zero premium per month - my DH just had surgery this spring for removal of a small cancerous polyp found when he had his colonscopy. He paid 2 nights co pay - $600 and that was all.He had previously paid some copays to the surgicenter where they did the colonscopy but that was refunded. We are - all in all - satisfied with our advantage plan.

DH also had some skin cancers removed at the derm office - all paid 100%.

I had a fall last week and had to go to the ER. I called my ins co customer service # first to see what hospital would be in network - because I called first and wewent to the hospital they suggested they reduced the copay 15% from $75 down to $63.75.

CalminHeart · ‎03-09-2010

Your insurance company should be able to give you a list of providers...it might be online. But they have to provide it according to state insurance regulations.

Everyone thinks the exchanges or ACA are the problem. They aren't. Problems like the OP's are the direct result of the countless loopholes given to insurance companies in the 121 amendments one party demanded be added to ACA. These amendments gave insurance companies way too much power....they can willy nilly make decisions, change coverage, cut providers, or pull out of states altogether, and more, and that leaves people without coverage or with limited doctors/providers.

LTT1 · ‎03-09-2010

@Jordan2

It IS so frustrating I agree with you!

i am so sorry this happened to you

It happened to me many, many years ago and I was with a major health insurer through my employer.

The doctor I went to was an ENT who would be doing surgery.

Got to the office and "oh, by the way, we no longer accept your insurance so that will be $3000! Hmmm sure WON'T lol !

I hope you will be able to get everything re-scheduled. (((Hugs)))

~Have a Kind Heart, Fierce Mind, Brave Spirit~

Spurt · ‎03-20-2010

@Cakers3 wrote:
People are losing coverage NOW because rates are skyrocketing. Some states have NO marketplace plans anymore because companies have withdrawn-Humana, Aetna, Anthem,-the list continues to grow.

Even marketplace plans have been out of reach of many people; even if you take the most inexpensive plan like the bronze plans you have outrageous deductibles and minimum coverage by law.

It is not all etched in stone one way or another; the drop in covered citizens is caused by multiple factors, not just the hand-wringing over repeal and replace.

@Cakers3

A lot of this started way before anyone mentioned repeal or replace....insurance companies started to bail out..............and many people CHOSE to take the IRS penalty for failing to have the required insurance, since it was cheaper than what it would cost them for coverage with huge deductibles!!!......and if they needed care they go to a Redi Clinic or Urgent Care....there's one of those on every corner in the city where I live and insurance isnt required...........

Animals are reliable, full of love, true in their affections, grateful. Difficult standards for people to live up to.”

Cakers3 · ‎06-17-2015

@Spurt wrote:
@Cakers3 wrote:
People are losing coverage NOW because rates are skyrocketing. Some states have NO marketplace plans anymore because companies have withdrawn-Humana, Aetna, Anthem,-the list continues to grow.

Even marketplace plans have been out of reach of many people; even if you take the most inexpensive plan like the bronze plans you have outrageous deductibles and minimum coverage by law.

It is not all etched in stone one way or another; the drop in covered citizens is caused by multiple factors, not just the hand-wringing over repeal and replace.

@Cakers3

A lot of this started way before anyone mentioned repeal or replace....insurance companies started to bail out..............and many people CHOSE to take the IRS penalty for failing to have the required insurance, since it was cheaper than what it would cost them for coverage with huge deductibles!!!......and if they needed care they go to a Redi Clinic or Urgent Care....there's one of those on every corner in the city where I live and insurance isnt required...........

@Spurt This is true. Deductibles aside, the premiums just kept rising and rising to the point that folks dropped out since ACA was established.

As I said earlier, the ACA was a blessing for some but a curse for others.

"" Compassion is a verb."-Thich Nhat Hanh

Cakers3 · ‎06-17-2015

@151949 wrote:
@Lindsays Grandma wrote:
I have Medicare A and B plus Aetna
@Cakers3 wrote:
@momtochloe Good luck. I pay more for my Medicare than DH does because he is older than I am and had Medicare before I did. We did get an increase in premiums but he is still paying less than I am and his SS is higher than mine. Go figure.

We are concerned where our Advantage plan will go come the next open enrollment.
RIght now we are content but still have to go round and round to get definite answers on some things.

I've heard people going just straight Medicare and picking up drug plans but crikey those are expensive when they stand alone. I'm not sure if straight Medicare is the right way to go, either.

Thank goodness DS has military coverage.

Plan F as my supplement. Every year Aetna increased my premium by no less than $25 and currently I am paying $196/mo. My daughter can't believe it costs me so much and I'm not thrilled either. In 2014 I had cataract surgery on both eyes and 2015 fell and broke my hip requiring surgery, one month in rehab and six months of home physical therapy. If I did not have the supplement I don't know how I would have afforded the cost left over Medicare didn't pay. As it stands I did not have to pay one penny. Please think long and hard about having straight Medicare with no supplement.
We have an advantage plan - pay zero premium per month - my DH just had surgery this spring for removal of a small cancerous polyp found when he had his colonscopy. He paid 2 nights co pay - $600 and that was all.He had previously paid some copays to the surgicenter where they did the colonscopy but that was refunded. We are - all in all - satisfied with our advantage plan.
DH also had some skin cancers removed at the derm office - all paid 100%.
I had a fall last week and had to go to the ER. I called my ins co customer service # first to see what hospital would be in network - because I called first and wewent to the hospital they suggested they reduced the copay 15% from $75 down to $63.75.

@151949 Correct me if I am wrong but isn't your advantage plan an HMO? Our ins. also offers a $0 premium BUT it is an HMO and many doctors have been dropping out of HMO plans. They will keep established patients but not accept new ones.

Our advantage plan is good with a very small premium but it is a PPO, which allows more flexibility in OUR area to choose physicians and specialists.

It all depends upon where you live.

"" Compassion is a verb."-Thich Nhat Hanh

Cakers3 · ‎06-17-2015

@Lindsays Grandma wrote:
I have Medicare A and B plus Aetna
@Cakers3 wrote:
@momtochloe Good luck. I pay more for my Medicare than DH does because he is older than I am and had Medicare before I did. We did get an increase in premiums but he is still paying less than I am and his SS is higher than mine. Go figure.

We are concerned where our Advantage plan will go come the next open enrollment.
RIght now we are content but still have to go round and round to get definite answers on some things.

I've heard people going just straight Medicare and picking up drug plans but crikey those are expensive when they stand alone. I'm not sure if straight Medicare is the right way to go, either.

Thank goodness DS has military coverage.

Plan F as my supplement. Every year Aetna increased my premium by no less than $25 and currently I am paying $196/mo. My daughter can't believe it costs me so much and I'm not thrilled either. In 2014 I had cataract surgery on both eyes and 2015 fell and broke my hip requiring surgery, one month in rehab and six months of home physical therapy. If I did not have the supplement I don't know how I would have afforded the cost left over Medicare didn't pay. As it stands I did not have to pay one penny. Please think long and hard about having straight Medicare with no supplement.