I had United Healthcare with my last employer before retirement. They were really good and covered to major surgeries and the physical therapy with no out of pocket expenses. I decided use them as the supplement for my medicare. the F plan. The premium for the F plan supplement was 99.00 per month. Since retirement I have had I two stent surgeries and one colon surgery. My out of pocket expense has been $0.00. In the 4 years of medicare my supplement is now 300.00 a month. Mom and Dad's supplement with BCBS in KS is over $400.00 a month. Coverage's are good if you can afford it.
Medicare enrollment before Dec 7th. Additional plans, costs and penalties.
- Thread starter Snattlerake
- Start Date
All I know is since the ACA, my private health ins has gone to shite.
I'm now at a $7750 deductible PER PERSON, with a family deductible of double that before they pay for anything other than preventative, and even then, they only pay 60% and even then only if you're in network.
Jeez. What a value.
I'm now at a $7750 deductible PER PERSON, with a family deductible of double that before they pay for anything other than preventative, and even then, they only pay 60% and even then only if you're in network.
Jeez. What a value.
So I have BCBS regular health insurance now. If I sign up for their advantage plan I see by the comparison chart not much changes as far as benefits except prescription drugs. My doc is on their list. Trying to decide why this would be a mistake. Looks I can suspend but not cancel my health insurance if I go this route. What am I missing?
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I'm so sick of f'ing insurance companies and their bulls***.
You are preachin to the choir.
It is the attorneys and insurance companies who really pull the strings on most of the corporations we deal with every day.
Thus the reason for my comments in my original post.
I want to be clear, medicare advantage is not medicare.
Again... you are signing your rights to Medicare away to a company.... you are at their will. It can go well.... it can go bad.... either way you are gambling. Insurance companies are bipolar in nature and what was once a good company 5 years ago, can be a terrible company now. Once you're on it, you're likely stuck as you have to be fully underwritten to get back on a supplement if you want one. Want to go see a cancer specialist? Pray they take MA. Many do not. Think you have no out of pocket expenses? Got news for you.... just wait till you get really sick. I've seen them nickel and dime people to death. Literally.
If you're 65 though, you should get on Medicare. It will be cheaper than an employer driven plan, with better benefits. Once you get on Medicare or "medicare" advantage, you can't go back to an employer plan.
Try boosting Medicare For All to 330 million people, though... and see how great it is. Just watch and see... wait for your panels to determine if you're going to get the treatment you need.
Just because we have been able to supplement and subsidize Medicare to (barely) manage to work for 1/8th of the population, wait and see how it works when EVERYONE is on it.
We're just about to hit the 'flushed' stage in this country. The next stage starts and ends with the same letter and sounds similar.
Just because we have been able to supplement and subsidize Medicare to (barely) manage to work for 1/8th of the population, wait and see how it works when EVERYONE is on it.
We're just about to hit the 'flushed' stage in this country. The next stage starts and ends with the same letter and sounds similar.
Exactly our case. Wife pays over $1000 per month with a $5000 deductible.
You can keep your doctor, you can keep your plan. The average family will save $2500 per year when the ACA takes effect.
Per Obama.....
I have already been through that scenario with work comp. My WC insurance drug their feet for months getting me to see anyone for anything. Pain management was a joke. They gave me permission to go get a special nerve block in my neck but when I was disrobed and ready to go into the surgery they called and freaking cancelled the procedure! It was then that I called an attorney. All I wanted was to have my medical expenses paid and to go to the doctors I needed to in order to get back to work. My wifey got a new house.
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