Medicare enrollment before Dec 7th. Additional plans, costs and penalties.

[Snattlerake]

On clark howard he was saying something about advantage plans was like buying a timeshare. You can never get out of it.
And to go with the healthcare market place and deal with a knowm carrier like community care or bcbs

That is what I'm afraid of. Once in, you're in. I thought the open enrollment time every year was an opportunity to change your coverage? Or not?

 

[tRidiot]

I'm fortunate to live in the area covered by Community Care, the health insurance co-owned by St. Francis and Ascencion/St. John. They offer a HMO Advantage plan that, for next year, will cost $25 a month! PCP visits, basic labs, and most prescriptions are $0 co-pay, specialists are $30 co-pay, and so on. The big caveat is that you have to live within their coverage area--mainly the counties around Tulsa served by the two hospitals.

Community Care... eh, we get lots of people pissed off about this one. Especially the 'Advantage' plan.

 

[Snattlerake]

Community Care... eh, we get lots of people pissed off about this one. Especially the 'Advantage' plan.

Why specifically?

 

[tRidiot]

Poor medication coverage. Refusal of approval for exams, prior auths, just the typical **** people hate about ins.

Oh and you can't do anything at Hillcrest, OHI or Bailey. That's a politics thing because a ton of docs left Ascension and went to Hillcrest, so CC decided to screw them over.

So I've heard.

 

[JD8]

Do not talk to a insurance broker they will add a commission to you rate!

That's not true. The rates are the same whether you talk to a broker or not.

 

[JD8]

Research an Advantage plan heavily. You basically sign all your medicare rights away to a company. The government pays them and they dictate your care and treatment. I can give you horror stories all day long.

 

[JD8]

On clark howard he was saying something about advantage plans was like buying a timeshare. You can never get out of it.
And to go with the healthcare market place and deal with a knowm carrier like community care or bcbs

He's correct on the first part, but CC and BCBS had some of the worst medicare supplement plans out there. They used to incorporate goofy network plans and it confused the shyt out of everyone.

 

[JD8]

Poor medication coverage. Refusal of approval for exams, prior auths, just the typical **** people hate about ins.

Oh and you can't do anything at Hillcrest, OHI or Bailey. That's a politics thing because a ton of docs left Ascension and went to Hillcrest, so CC decided to screw them over.

So I've heard.

Actually, that was because Hilcrest got caught overbilling CC. Not a fan of CC but that's what happened.

 

[El Pablo]

Wonder how many on here are collecting social security, Medicare... etc and complaining about socialism?

 

[Snattlerake]

That's not true. The rates are the same whether you talk to a broker or not.

I didn't say that, Uncle TK did.