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Regular Contributor
Posts: 190
Registered: ‎03-10-2010

What is the best Medicare to have, regular Medicare, Medicare Advantage.  Also, AARP US Healthcare which one.  Can someone please help me.

Esteemed Contributor
Posts: 5,642
Registered: ‎03-20-2010

That is a very personal decision based on an individuals situation.  Suggest finding someone locally that can help you with your decision rather than posting on a shopping channel message board.

Someday, when scientists discover the center of the Universe....some people will be disappointed it is not them.
Honored Contributor
Posts: 13,763
Registered: ‎03-11-2010

@CrazyDaisy wrote:

That is a very personal decision based on an individuals situation.  Suggest finding someone locally that can help you with your decision rather than posting on a shopping channel message board.


@CrazyDaisy

 

Where do you go locally to find out those things? Who do you ask? I really have no idea but probably need to find out since we are headed there sooner rather than later. LOL!!!

Honored Contributor
Posts: 16,176
Registered: ‎03-10-2010

You really need to talk to a specialist who handles this to know what is best for you.  Someone at your insurance company may be able to help you.  I know that the insurance company that I have my homeowners and car insurance with has a medicare specialist.


Day after day the whole day through, wherever my road inclined, four feet said 'I'm coming with you!' and trotted along behind. Kipling





Regular Contributor
Posts: 243
Registered: ‎05-27-2016

I think you need to talk to a specialist in your area, but you can first read about it on the Social Security website.  It really is individual and personal for everyone.

Honored Contributor
Posts: 31,631
Registered: ‎08-23-2010

@Mom in NY wrote:

What is the best Medicare to have, regular Medicare, Medicare Advantage.  Also, AARP US Healthcare which one.  Can someone please help me.


 

@Mom in NY

 

No one here can help you with this decision.  What is "best" for someone else would be a bad decision for you.    You will need to do your homework after speaking with a local Medicare specialist.

 

 

Honored Contributor
Posts: 30,534
Registered: ‎08-19-2010

Regular Medicare is the best. Skip that advantage stuff. Regular Medicare is taken out of your  SS if your receiving checks.

 

If your not receiving checks they will bill you every 3 months.

 

Nothing wrong with asking . We have a place in our town called

Medicare Placement,  a company who just deals  strictly with Medicare and sells supplement and drug plan policies. Try to find somebody who deals just with Seniors  and their options.

 

I have regular  Medicare taken out of my SS right now  cost 134 a month

Mutual of Omaha Plan F think it's 120 a month they pick  up the 20%

that Medicare doesn't. Medicare pays 80% of approved bills.

 

Drug plans are not that expensive. Mine is 20 a month. Gov. doesn't care if you have a supplement, but, they require you have  a drug plan in place

Honored Contributor
Posts: 13,437
Registered: ‎05-01-2010

It is different state by state.

Honored Contributor
Posts: 13,166
Registered: ‎01-02-2011

@sharkky wrote:

Regular Medicare is the best. Skip that advantage stuff. Regular Medicare is taken out of your  SS if your receiving checks.

 

If your not receiving checks they will bill you every 3 months.

 

Nothing wrong with asking . We have a place in our town called

Medicare Placement,  a company who just deals  strictly with Medicare and sells supplement and drug plan policies. Try to find somebody who deals just with Seniors  and their options.

 

I have regular  Medicare taken out of my SS right now  cost 134 a month

Mutual of Omaha Plan F think it's 120 a month they pick  up the 20%

that Medicare doesn't. Medicare pays 80% of approved bills.

 

Drug plans are not that expensive. Mine is 20 a month. Gov. doesn't care if you have a supplement, but, they require you have  a drug plan in place


I have found the Advantage plans to be the best option for me.  It’s individual.  

 

@Mom in NY, take a list of your physicians, hospital  and medications to an insurance broker.

Regular Contributor
Posts: 244
Registered: ‎04-30-2010

All depends on your situation health other insurance aand finanaces.  Many people go for the Advantage programs because of their low co pays etc.  It all sounds great but I must caution you that these programs are for profit.  As a nurse i have seen some bad situations.  I did home health for a while.  The patient and wife were in their 90s.  Also illiterate with vision and hearing problems.  Inssurance demanded that we had 2-3 visits to teach the wife to administer an IV antibiotic.  In this state a LPN is not allowed to do this.  But the 90 year wife was perfectly capable according to the insurance plan.  Do your research.