@151949 wrote:
@KarenQVC wrote:
Plan F abuse does happen. My docs feed me lines to get some cosmetic work done.
I have friends who are financially very secure - they have plan F supplement - they go to the plastic surgeon for every little cut or scrape so they don't get a big scar. Instead of getting a pedicure they go to the podiatrist to get their toenails cut - for free - and they are NOT diabetics. My DH & I go to the podiatrist to get toenails cut because qwe are diabetics and we have to pay a $50 co pay. IMO - ALL medicare patients need to have to pay copays because copays really slow down the abuse.
151949, I don't understand your reasoning. You have Medicare Advantage. You chose it over Traditional Medicare and a Supplimental program. Advantage is cheaper.... A lot cheaper. The OP pays for Medicare Part B plus she pays for Supplimental Plan F is is expensive, therefore she has no deductible or copays. She gets what she pays for and so do you and everyone else who is Medicare age. It's a personal choice. YOU chose to pay $50 for a visit, your friends chose to pay more upfront and not have to pay for a co-pay
Maize and Blue, There is no way anyone can abuse Supplimental Plan F.... NO WAY. Medicare must pay first, the Supplimental plan only pays the deductibles and coinsurance left over after Medicare's payments. If there is abuse going on, it's the doctors doing the abuse and committing fraud against Medicare.
151949, Since you have stated many,many times on these forums that Advantage covers everything Traditional Medicale does, why are you complaning? You have the same coverage, you just chose to save money upfront and pay co-pays.
I do not like most doctor's and I don't trust them any further than I can throw them. I have worked in health insurance over 20 years and I have seen the medical records of doctor's nurses and other medical professionals. Many of them are addicted to drugs and or alcohol and many seeks mental health for their personal and professional problems. They are no different then the rest of the population.
They make mistakes, they have bad days, they get lazy and lax or just plain burned out. Everyone is responsible for their own health. I, like Liliac Tree, would go to get a second opinion, or just go to a different doctor to set my mind at ease. I pay for my insurance, and I have super great insurance too. I don't care what anyone else thinks or how much they complain that I would be abusing insurance.
I am so sorry that the OP got the run around trying to find a good doctor that she feels she wants and needs to see.... for her peace of mind and health. Liliac Tree, go for it. Take care of yourself and your health the best you can.