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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: 3690658" data-attributes="member: 24"><p>Ok. It seems you're conflating Medicare advantage plans and Medicare supplements. Two completely different coverages. This would make sense as to what your wife was saying but you have to understand, it seems she's talking about medicare advantage. In which you completely forgo your medicare "rights" and sign them away to a private insurance company...... and yes..... the sicker you are.... the more you gamble. If that's what she's talking about then she's right, the private insurance company can limit your options, network, and coverage at their will. Either way,his cannot happen with a medicare supplement which compliments traditional medicare part a and part b because of medicare assignment previously mentioned.</p><p></p><p>Y'all can go here for the Oklahoma Insurance Depts breakdown....</p><p></p><p><a href="https://www.oid.ok.gov/wp-content/uploads/2021/03/201023_Medicare-Supply-Buyers-Guide.pdf" target="_blank">201023_Medicare-Supply-Buyers-Guide.pdf</a></p><p></p><p></p><p>So you have two main ways to go about your medicare coverage....and yes it's confusing.</p><p></p><p></p><p>1- Stay on traditional Medicare.</p><p></p><p>Part A Hospital</p><p>Part B Doctor</p><p>Supplement (Optional) Several plans available <----- Do not confuse with "part C"</p><p>Part D Drug Plan (Optional). Several plans available</p><p></p><p></p><p>2- "Medicare" Advantage AKA Part C (optional)</p><p></p><p>You assign <strong>all medical coverage, doc, hospital, drugs to a private carrier.</strong>.... like AARP and the government pays them a fee every year to administer your health. </p><p></p><p>IT is my opinion that the government puts confusing information out there so that many take "Medicare" Advantage AKA Part C.... but that's just me.</p></blockquote><p></p>
[QUOTE="JD8, post: 3690658, member: 24"] Ok. It seems you're conflating Medicare advantage plans and Medicare supplements. Two completely different coverages. This would make sense as to what your wife was saying but you have to understand, it seems she's talking about medicare advantage. In which you completely forgo your medicare "rights" and sign them away to a private insurance company...... and yes..... the sicker you are.... the more you gamble. If that's what she's talking about then she's right, the private insurance company can limit your options, network, and coverage at their will. Either way,his cannot happen with a medicare supplement which compliments traditional medicare part a and part b because of medicare assignment previously mentioned. Y'all can go here for the Oklahoma Insurance Depts breakdown.... [URL='https://www.oid.ok.gov/wp-content/uploads/2021/03/201023_Medicare-Supply-Buyers-Guide.pdf']201023_Medicare-Supply-Buyers-Guide.pdf[/URL] So you have two main ways to go about your medicare coverage....and yes it's confusing. 1- Stay on traditional Medicare. Part A Hospital Part B Doctor Supplement (Optional) Several plans available <----- Do not confuse with "part C" Part D Drug Plan (Optional). Several plans available 2- "Medicare" Advantage AKA Part C (optional) You assign [B]all medical coverage, doc, hospital, drugs to a private carrier.[/B].... like AARP and the government pays them a fee every year to administer your health. IT is my opinion that the government puts confusing information out there so that many take "Medicare" Advantage AKA Part C.... but that's just me. [/QUOTE]
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