This is something retired people should concider carefully. I have been retired for 20 years and I have had three joint replacement and two hernia surgeries. As super expensive as major surgeries, and treatment for majors illness are now, one episode could ruin your retirement plans! One good way to find out which plans pay the best is to see what plans specialist, and surgeons take! My orthopedic surgeon that did all three of these joint replacements is very good, and their is a long wait to get an appointment. He is also very selective as to what insurance plans, or medicare supliment plans, he accepts! We have Aetna/Medicare, I had Aetna at work and was able to keep it after retiring, This cost more, but when you need it, you will get all that back, plus be able to see better doctors.
If you accept Medicare, you HAVE to accept medicare supplements from any insurer. When the individual needs care, Medicare pays the bill and then tells the supplement (within the scope of the coverage) what to pay. Therefore Medicare is primary and there is no difference in what doctor you can see, it only matters if they accept Medicare or not.
Not to be confused with "Medicare" advantage which a number of doctors do NOT accept.
I don't know where you get your infrmation but you are wrong when it comes to specialist, and surgeons! This is complicated I think my Aetna/Medicare actually goes through Aetna first, and the Medicare is actually handled by Aetna! I do know the orthopedic surgeon that did my surgeries, turned down my brothers Medicare and supplement insurance, Community Care! That has been several years ago and he still has not had knee surgery, that he needs!
Sorry my friend, you have 1 anecdote and probably don't understand what you are saying. Previously, I had well over 1000 Medicare clients, and worked for a firm that sold more medicare products than anyone in the midwest. If your plan goes through Aetna first, then you have Medicare Advantage, and that is not true Medicare anymore. Either way, what I said is true. What we are talking about is a supplement, in which the supplement attaches to traditional Medicare coverage. If a doctor takes Medicare, they cannot deny, or would not deny a payment from the secondary carrier, no matter who it is. Why would they? Medicare literally tells them who and what to pay.
What it sounds like is that you are speaking about is Medicare Advantage, in which Medicare Advantage gets turned down all the time by doctor's offices and especially specialists. They will refuse certain company's Advantage plans because most of them are garbage and they have issues with coverage/getting paid.
What’s the best brand Medicare Supplement Plan? (Original Question)
The answer is Plan F But it is not sold in Oklahoma at this timeThe Insurance Company has nothing to do with it.
Its the plan not the insurance company
I have Med A but still working. When I retire next summer, will get B & a supplement. The MCR replacement policies are difficult for patients we discharge to rehab or ltach as they need pre-approval & you have to use their in-network facilities.
Med A? No sure what you are saying here. If Plan A, then that is not medical, it is hospitalization, skilled nursing and hospice (and a couple of others).
AARP= Obummer care, why would you ever support a company that wants socialized medicine?
I joined for 3 years when I turned 50 totally worthless to me, I thought their car insurance would beat State Farm,that didn’t happen. Seem their claim to fame is packing a bunch of worthless policies (for me) I just need car insurance.
I joined for 3 years when I turned 50 totally worthless to me, I thought their car insurance would beat State Farm,that didn’t happen. Seem their claim to fame is packing a bunch of worthless policies (for me) I just need car insurance.
Similar threads
