Medicare Part C

[JD8]

Sorry but neither mine or my wife's deductibles, etc came to that. We have a $20 copay for a doctors visit and $45 for a specialist. If I remember correctly, the ER copay was $98. Also our prescription deductibles are not much higher than with regular and a supplement. As far as in network, All of OU, Mercy, and Integeris system and others are in Network so not a problem there.

And my theory on supplemental is they are just like the insurance payoff under Obamacare. "Private Insurance is bad!" wink, wink here have a few billion taxpayer dollars. In other words, supplements are just a way to help insurance company. I know my wife's supplemental cost close to $200 a month a couple years ago and mine was well over that. That is on top of the $144, copays, deductibles, etc.

I am not saying Part C is a good fit for everyone, I am saying check closely before some smooth talking insurance rep sells you a supplemental policy that may cost you more in the long run.

Oh, I have not lost any rights under Humana. None at all. I do not know if it is because they changed it a year or so ago or what, but we are very happy with it.

Again, you're missing the point. I'm using their cheapest plan to show an example of what someone would pay. If you begin the pay premium then that negates the whole advantage in the first place.

Now I don't know who you shopped supplemental plans with but for someone turning 65 and female that is high. Keep in mind, most don't know they can shop the plans and the only difference is typically in price. Suffice some plans get cute with their network like Blue Cross Blue Shield. Either way, Plan F pays your part B deductible and typically has no other co payments or deductibles.

Now the supplemental theory you're on is kind of showing an amount of ignorance to the whole system. The very same companies that sell you MA plans, typically sell Supplemental plans. It's all private insurance. None of this has anything to do with the ACA/Obamacare. Funny thing is, if you really are worried about government payoffs.... you might want to research who owns Humana, and when you find out it's United Healthcare, research how instrumental they were in ACA lobbying. There is literally no worse offender in that regard.

Don't think you've lost any rights? again.... you're wrong. Whether you like it or not you are married to the network that Humana employs. Need a specialist outside of the network? Good luck my friend. Last I saw, Medicare is accepted by 80% of the healthcare providers in the United States.

 

[RickN]

All i can say is it works great for us, has saved us a lot of money, and we have NEVER been turned down for a treatment, or to see a doctor of our choice. Their network covers every major medical group I know of in Oklahoma.

I still say everyone needs to check closely and find the best deal for them. We had insurance people try to sell us all kinds of plans thru the years and frankly I see about 2 steps above used car salesman, lawyers and political types.

 

[JD8]

All i can say is it works great for us, has saved us a lot of money, and we have NEVER been turned down for a treatment, or to see a doctor of our choice. Their network covers every major medical group I know of in Oklahoma.

I still say everyone needs to check closely and find the best deal for them. We had insurance people try to sell us all kinds of plans thru the years and frankly I see about 2 steps above used car salesman, lawyers and political types.

How many medical groups do you know? I can think of two large ones here in Tulsa that don't take it. One is pretty strong in cardiology, the other in strokes. One of the best orthopedic groups doesn't now that I think of it.

Who do you think sells MA plans? The very same people sell both products. If you are contacted with Humana you have access to both products. It's just a matter of where their conscience will guide them, because they all know the same horror stories I know. They funny thing is, they make a significantly higher commission selling the MA plans. About $400 for each person they signed up was the going rate.

People should absolutely do their homework and read the all the info on the medicare website and compare plans. 9 times out of 10 traditional + a supplemental makes more sense if you plan on ever having health issues.

 

[RickN]

I do not know as many groups as I did years ago when we were in the Medical equipment business, but I know the major ones in OKC and all that I would use (and a few I would never use) all accept the Part C PPO that we are on. As I said, we are happy and it has saved us a lot of money this year.

 

[Uncle TK]

If I read your early post correctly you paid $11,000 for health care.
Please explain how it saved you lots of money!
Medicare Part A - Part B - Plan F is aprox. 1/2 to 1/3 of what you paid.

 

[JD8]

If I read your early post correctly you paid $11,000 for health care.
Please explain how it saved you lots of money!
Medicare Part A - Part B - Plan F is aprox. 1/2 to 1/3 of what you paid.

It would be interesting to see what people are paying here for their plan F if they want to disclose it.

To your point though.....I called my old partner who still brokers both supplements and MA plans. A couple turning 65 non-smoker can expect to pay ~$250-300 a month for both for a Plan G. (as I stated earlier Plan F is no longer available in OK) The yearly deductible for a plan G is $198. That's $3800 on the high side. No other out of pocket costs.

 

[Hobbes]

The Oklahoma state group insurance medicare supplemental plan I have is $220 monthly premium plus the $198 yearly medicare deductible.
It pays everything that medicare doesn't pay and also extends some of the benefit limits to twice what medicare provides.
It also includes a drug plan.

It's run by health choice and they have a high and low option, the difference being the yearly prescription deductible and copay.
None of my prescriptions are expensive right now so I don't ever exceed my yearly deductible.

It's a community rated plan rather than age rated so theoretically the premium should rise more slowly over time, maybe.

If you ever drop out of the plan, even for a single year, you can't get back in, again because it is community rated.

 

[ronny]

N for $171/mo. But, I'm 81.

 

[MacFromOK]

N for $171/mo. But, I'm 81.

Yeah... yer the guy I thought was my age when we met a couple years ago.

I'm currently 62...

 

[ronny]

I've aged. And, it's not pretty.