Medicare advantage - Page 4

Nuttmeg · ‎03-09-2010

I would suggest you keep the plan and pay the money.

Medicare Advantage Plans have hidden costs. You either pay upfront or in other charges. You may have higher co-pays or higher deductibles.

Once you leave a regular Medicare supplement plan with part D coverage, you can not go back. Please read all the fine print and the cost of medications.

I have a very good MAP included with my retirement package. This custom plan costs about $460 a month. This includes Medicare part B and D costs.

My point, you will pay more for health insurance as you age.

This plan is on pare with an AARP supplement plan F. It would cost a bit more than $460 a month.

teganslaw · ‎03-11-2010

@Mindy D , It varies, but the supplemental I'm looking at is $117 monthly; my husband's would be about $150.His is more becaue of certain health issues. Prescription plans are about $10-15 a month.

I'm not counting the $144 for Part B because it's subtracted from Social Security, so I budget only what my Social Security income will be.

"The more I learn about people, the more I like my dog."

Mark Twain

Kachina624 · ‎03-10-2010

@Mindy D These plans apparently vary wildly. I have an Advantage Plan through my former employer for which I've never paid a cent. Not only is the insurance free but I have no co-pay, deductible or any out of pocket expense. I've had major surgery and never paid a penny. It's quite a perk.

New Mexico☀️Land Of Enchantment

shoesnbags · ‎03-10-2010

@DiAnne wrote:
Many specialists are no longer taking Medicare patients because of low reimbursements. That adds another problem.

In my area many specialists don't take Medicare Advantage patients. They are happy to take patients who have Medicare with a supplement.

"Breathe in, breathe out, move on." Jimmy Buffett

agb80 · ‎10-16-2020

@Kachina624 wrote:
@Mindy D These plans apparently vary wildly. I have an Advantage Plan through my former employer for which I've never paid a cent. Not only is the insurance free but I have no co-pay, deductible or any out of pocket expense. I've had major surgery and never paid a penny. It's quite a perk.

I have a relative with a plan very similar but there was a trade off in what he received in his pension. So his pension was less per month but in return he got that stellar medical plan.

proudlyfromNJ · ‎05-01-2010

@shoesnbags wrote:
@DiAnne wrote:
Many specialists are no longer taking Medicare patients because of low reimbursements. That adds another problem.
In my area many specialists don't take Medicare Advantage patients. They are happy to take patients who have Medicare with a supplement.

@shoesnbags I guess I'm in trouble then if Inlive in your area. Haven't had any problems yet.

Nuttmeg · ‎03-09-2010

@Mindy D wrote:
@Kachina624 wrote:
Read the fine print carefully on these so-called "Advantage" plans. Many have a maximum lifetime amount that will be paid, then you're out of luck. They've been pushing them so hard, you've got to figure somebody is getting rich.
Things have changed. The maximum lifetime amounts are no longer legal. What the Advantage plans due have is annual out of pocket maximums that vary by plan. The largest in network out of pocket maximum is $10,000. The first thing to look at when choosing any advantage plan is what the annual out of pocket maximum is for that plan,

@Mindy D

Where do people have a spare 10K sitting around to pay for an Illness? If you are sick one year, you maybe come sick the next Year.

KaySD · ‎08-16-2016

@Elom

Medicare Advantage is a category of plans, sometimes called "Part C." They usually cost little or nothing more than Medicare A/B, and most incorporate Part D plus various other benefits. But the offerings in this category differ from each other so you have to find out what's available in your area and compare. There are about 5 different ones where I live. I am very happy with the one I happen to have--it's easy and affordable and I get good care.

Kachina624 · ‎03-10-2010

@agb80 wrote:
@Kachina624 wrote:
@Mindy D These plans apparently vary wildly. I have an Advantage Plan through my former employer for which I've never paid a cent. Not only is the insurance free but I have no co-pay, deductible or any out of pocket expense. I've had major surgery and never paid a penny. It's quite a perk.
I have a relative with a plan very similar but there was a trade off in what he received in his pension. So his pension was less per month but in return he got that stellar medical plan.

@agb80 Mine has no effect whatsoever on my pension. Furthermore, it's a PPO plan where I càn see any doctor or specialist that takes Medicare patients in the US.

New Mexico☀️Land Of Enchantment

kivah · ‎03-11-2010

Best to use an insurance agent (who could choose any company) - and specializes in Medicare insur. Yesterday my agent was at my house --- I live in Calif. and I'm under a company called Seaview. I changed from one insur. plan to another. As of Jan. 1st, I'll have Wellcare Best Plan (under WellCare). No monthly premium and when I go to a doctor, it's FREE. Accupuncture and a chiropractor are covered - which I didn't have before plus other services.

She came to my house and I wanted to keep the same doctors - so she just entered information into her computer and this company was at the top.

Previously I had SCAN -- I paid $39/month for almost 13 yrs - and realized that they're a SCAM.