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Medicare 2025 Discussion
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<blockquote data-quote="Snattlerake" data-source="post: 4343373" data-attributes="member: 44288"><p>I went to a seminar about Medicare.</p><p></p><p>I learned some things.</p><p></p><p><strong>Part A is hospitalization only and is free if you have a vetted work history of 10 years contributing to Medicare.</strong></p><p><strong></strong></p><p><strong>The Part B is $174.70 a month for everyone.</strong> ( and it usually goes up proportionately to any SS increase they decide upon in a given year.) Mine started out at $145.</p><p></p><p><strong>A Part B IRMAA Income Related Adjustment Amount may be added for high income applicants in addition to the $174.70!!!!!</strong></p><p></p><p>You can add Part D drug coverage. Usually $30 to $40 a month with a $2,000 out of pocket max cap.</p><p></p><p>Medigap plans are standardized and must follow federal and state insurance laws. They can offer A-D, F, G, and K-N. </p><p></p><p>All Medicare Supplemental Insurance plans offer the same basic benefits no matter where you live or which insurance company you buy from.</p><p></p><p>Medigap plans sold to people new to medicare <strong>are no longer allowed to cover Part B deductibles as of 2020.</strong></p><p>Medigap plans cover copayments, coinsurance, and deductibles. Some offer insurance outside of the US if you travel.</p><p></p><p>They had info about COBRA but I didn't take notes because it didn't apply to us.</p><p></p><p><a href="http://www.medicare.gov/medigap-supplemental-insurance-plans" target="_blank">www.medicare.gov/medigap-supplemental-insurance-plans</a></p><p><a href="http://www.medicare.gov/publications" target="_blank">www.medicare.gov/publications</a></p><p></p><p>There are two types of Advantage programs called Part C. They pay for about everything in network, in your state. Out of state, they suck.</p><p> </p><p>They have a PPO program and an HMO program and in both of them, you have to deal with people deciding upon your health and welfare based upon the trends, statistics, and whims of others. They force you to use generic drugs which sometimes do not have all of the ingredients of the name brand. </p><p></p><p><em><strong>(I wish I could find that yooootooob of the insurance agents at a convention asked if anyone would go the advantage route. No one said they would.)</strong></em></p><p></p><p>The HMO is, "This is your network", AND THAT'S IT! </p><p></p><p>The PPO you can go outside of their network, but you will pay dearly for it.</p><p></p><p>Advantage Plans are a big moneymaker for insurance companies because they get a check for $1,000 every month to manage your health in Oklahoma. In the coastal states, they get $2,000. This is why they offer incentives such as hearing, dental, vision, local gym access, etc. Vision is usually a yearly eye exam and some cheap assed glasses for $100. Don't go getting astigmatism or double vision. You will pay. Don't get a root canal or a crown, and don't require $5,000 hearing aids.</p><p></p><p>You still have to pay the $174.70 every month so the Advantage plans that say there is no monthly payment is a lie.</p><p></p><p>If a doctor or hospital takes Medicare, they HAVE to take your supplement.</p><p></p><p></p><p>One good thing is the dreaded doughnut hole is going away in 2025.</p><p></p><p>I took good notes huh?</p></blockquote><p></p>
[QUOTE="Snattlerake, post: 4343373, member: 44288"] I went to a seminar about Medicare. I learned some things. [B]Part A is hospitalization only and is free if you have a vetted work history of 10 years contributing to Medicare. The Part B is $174.70 a month for everyone.[/B] ( and it usually goes up proportionately to any SS increase they decide upon in a given year.) Mine started out at $145. [B]A Part B IRMAA Income Related Adjustment Amount may be added for high income applicants in addition to the $174.70!!!!![/B] You can add Part D drug coverage. Usually $30 to $40 a month with a $2,000 out of pocket max cap. Medigap plans are standardized and must follow federal and state insurance laws. They can offer A-D, F, G, and K-N. All Medicare Supplemental Insurance plans offer the same basic benefits no matter where you live or which insurance company you buy from. Medigap plans sold to people new to medicare [B]are no longer allowed to cover Part B deductibles as of 2020.[/B] Medigap plans cover copayments, coinsurance, and deductibles. Some offer insurance outside of the US if you travel. They had info about COBRA but I didn't take notes because it didn't apply to us. [URL='http://www.medicare.gov/medigap-supplemental-insurance-plans']www.medicare.gov/medigap-supplemental-insurance-plans[/URL] [URL='http://www.medicare.gov/publications']www.medicare.gov/publications[/URL] There are two types of Advantage programs called Part C. They pay for about everything in network, in your state. Out of state, they suck. They have a PPO program and an HMO program and in both of them, you have to deal with people deciding upon your health and welfare based upon the trends, statistics, and whims of others. They force you to use generic drugs which sometimes do not have all of the ingredients of the name brand. [I][B](I wish I could find that yooootooob of the insurance agents at a convention asked if anyone would go the advantage route. No one said they would.)[/B][/I] The HMO is, "This is your network", AND THAT'S IT! The PPO you can go outside of their network, but you will pay dearly for it. Advantage Plans are a big moneymaker for insurance companies because they get a check for $1,000 every month to manage your health in Oklahoma. In the coastal states, they get $2,000. This is why they offer incentives such as hearing, dental, vision, local gym access, etc. Vision is usually a yearly eye exam and some cheap assed glasses for $100. Don't go getting astigmatism or double vision. You will pay. Don't get a root canal or a crown, and don't require $5,000 hearing aids. You still have to pay the $174.70 every month so the Advantage plans that say there is no monthly payment is a lie. If a doctor or hospital takes Medicare, they HAVE to take your supplement. One good thing is the dreaded doughnut hole is going away in 2025. I took good notes huh? [/QUOTE]
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