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The Water Cooler
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Medicare with Open Eyes
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<blockquote data-quote="JD8" data-source="post: 3690429" data-attributes="member: 24"><p>This guy is being quite a bit disingenuous.</p><p></p><p>-60 days TOTAL......big difference.</p><p></p><p>- Of course the supplemental does not cover what medicare won't...... it's secondary not primary. Hence the name supplemental. </p><p></p><p>- Nobody covers LTC except LTC plans, and those are ridiculously expensive, unless you were fortunate to buy one 20 years ago.</p><p></p><p>- In his example he's citing PRIVATE INSURANCE coverage as part of the bill. Why would there be private insurance coverage on someone with Medicare? An employee plan + Medicare? Again, VERY disingenuous to the point it's almost lying. </p><p></p><p>-$200-400 is not the average in Oklahoma, more like half that amount. </p><p></p><p></p><p></p><p></p><p>That makes no sense whatsoever. The opposite is true though. If you are fairly healthy or expect to stay that way, you would not need supplemental insurance. </p><p></p><p></p><p>I used to be one of those individuals that brokered those plans but haven't done so in quite some time. I can give you examples for days on people that got really sick and walked out with $0 charges. Again though, It's just like anything else in health insurance. If you're healthy and expect to remain so, then you should self insure. If you believe you might have issues or you have underlying or chronic issues, you will get nickel and dimed to death on that 20%.</p><p></p><p>I DO however think AARP is garbage and I have seen people wait on part D and it worked out for them. I've also seen it bite them in the arse too.</p></blockquote><p></p>
[QUOTE="JD8, post: 3690429, member: 24"] This guy is being quite a bit disingenuous. -60 days TOTAL......big difference. - Of course the supplemental does not cover what medicare won't...... it's secondary not primary. Hence the name supplemental. - Nobody covers LTC except LTC plans, and those are ridiculously expensive, unless you were fortunate to buy one 20 years ago. - In his example he's citing PRIVATE INSURANCE coverage as part of the bill. Why would there be private insurance coverage on someone with Medicare? An employee plan + Medicare? Again, VERY disingenuous to the point it's almost lying. -$200-400 is not the average in Oklahoma, more like half that amount. That makes no sense whatsoever. The opposite is true though. If you are fairly healthy or expect to stay that way, you would not need supplemental insurance. I used to be one of those individuals that brokered those plans but haven't done so in quite some time. I can give you examples for days on people that got really sick and walked out with $0 charges. Again though, It's just like anything else in health insurance. If you're healthy and expect to remain so, then you should self insure. If you believe you might have issues or you have underlying or chronic issues, you will get nickel and dimed to death on that 20%. I DO however think AARP is garbage and I have seen people wait on part D and it worked out for them. I've also seen it bite them in the arse too. [/QUOTE]
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