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Medicare with Open Eyes
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<blockquote data-quote="dennishoddy" data-source="post: 3692006" data-attributes="member: 5412"><p>I think I mentioned this in this thread or maybe another thread, but I have Aetna as a secondary. Less than $200 a month. (My accountant is in bed asleep as we speak) </p><p>Every 5 weeks I get an injection in the eye that runs around 3K. I pay nothing but a small deductible at the first of the year. </p><p>Never had to make a copay after the deductible has been met. The math is easy to justify.</p><p>If one has to go to a rehab center, the advantage plans only offer 5 days, after that you're out unless close to death. Medicare offers 20 days, and if your still not ready to go home, another 20 days is available. Rehab centers charge anywhere from $4500 to whatever they want so if your advantage or Medicare plans run out, you're on the hook if you don't have long term care insurance. That insurance is cheaper the earlier you start it. </p><p>We just went through all of this in OKC when my sister had a heart ablation. We saw so many insurance and advantage plan advisors that I can't count. Advantage plans are great for someone like RickN and my sister. Your stationary with the same doctors and same hospitals in the plan.</p><p>One can go bankrupt medically with the advantage plans if you require emergency care and are not in the advantage plan network of hospitals and doctors or if you're in the hospital for months after a major incident treated by an out of Network Doctor. Never happen with the right supplement.</p><p>Speaking of long-term care insurance. My MIL and FIL started a policy in the late 90's. FIL developed Alsheimer's three years ago and was admitted to a memory care unit in Tulsa. MIL stayed home until she couldn't drive and moved into assisted living in the same facility so she could be close to her husband. </p><p>FIL passed a year ago and MIL still in good health is living in the assisted living facility to this day. The cost between them would have been almost $8000 a month as they got a discount for two living there. She is currently and will never pay anything until she passes which considering her current health may be awhile because of the long-term care insurance policy. You don't pay into the policy once you're in the system.</p><p>Because of that reality check we looked into long term care insurance. Both of us are in good health, but one never knows what the future brings. We know lots of people that have spent many years in long term care.</p><p>It's a personal choice what one wants to do later in life, but your health is never going to get better no matter what one does. It's a downhill slide so one has to prepare as one chooses.</p></blockquote><p></p>
[QUOTE="dennishoddy, post: 3692006, member: 5412"] I think I mentioned this in this thread or maybe another thread, but I have Aetna as a secondary. Less than $200 a month. (My accountant is in bed asleep as we speak) Every 5 weeks I get an injection in the eye that runs around 3K. I pay nothing but a small deductible at the first of the year. Never had to make a copay after the deductible has been met. The math is easy to justify. If one has to go to a rehab center, the advantage plans only offer 5 days, after that you're out unless close to death. Medicare offers 20 days, and if your still not ready to go home, another 20 days is available. Rehab centers charge anywhere from $4500 to whatever they want so if your advantage or Medicare plans run out, you're on the hook if you don't have long term care insurance. That insurance is cheaper the earlier you start it. We just went through all of this in OKC when my sister had a heart ablation. We saw so many insurance and advantage plan advisors that I can't count. Advantage plans are great for someone like RickN and my sister. Your stationary with the same doctors and same hospitals in the plan. One can go bankrupt medically with the advantage plans if you require emergency care and are not in the advantage plan network of hospitals and doctors or if you're in the hospital for months after a major incident treated by an out of Network Doctor. Never happen with the right supplement. Speaking of long-term care insurance. My MIL and FIL started a policy in the late 90's. FIL developed Alsheimer's three years ago and was admitted to a memory care unit in Tulsa. MIL stayed home until she couldn't drive and moved into assisted living in the same facility so she could be close to her husband. FIL passed a year ago and MIL still in good health is living in the assisted living facility to this day. The cost between them would have been almost $8000 a month as they got a discount for two living there. She is currently and will never pay anything until she passes which considering her current health may be awhile because of the long-term care insurance policy. You don't pay into the policy once you're in the system. Because of that reality check we looked into long term care insurance. Both of us are in good health, but one never knows what the future brings. We know lots of people that have spent many years in long term care. It's a personal choice what one wants to do later in life, but your health is never going to get better no matter what one does. It's a downhill slide so one has to prepare as one chooses. [/QUOTE]
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